IDFCFIRSTB

Profitability improving

1. Strong loan growth continues The bank reported healthy growth in its loan book, driven by strong expansion in retail, MSME and commercial banking segments. Retail lending remains the primary growth engine. 2. Deposit growth remains robust Deposits have continued to grow at a healthy pace, with improvements in CASA deposits supporting the bank's funding profile. Strong deposit mobilization remains a key management focus. 3. Profitability improving The bank has reported improvement in profitability, supported by: Higher operating income Lower credit costs Better asset quality Investors are watching for continued earnings momentum. 4. Asset quality remains stable Gross and Net NPA levels continue to improve gradually. Strong underwriting and collection efficiency remain positive indicators. 5. Focus on retail banking IDFC FIRST Bank continues to expand its retail franchise through: Home loans Personal loans Credit cards Vehicle finance MSME lending 6. Digital banking initiatives The bank is investing in: AI-powered banking Digital payments Mobile banking Customer experience Technology remains central to its long-term strategy. 7. Capital position remains strong Following recent capital raising, the bank has strengthened its capital base, providing room for future loan growth and business expansion.