Investor Presentation - Financial results for quarter ended June 30, 2026

IDFCFIRSTBANK/SD/95/2026-2027 July 25, 2026 National Stock Exchange of India Limited BSE Limited Mumbai 400 051 Mumbai 400 001 NSE - Symbol: IDFCFIRSTB BSE - Scrip Code: 539437 Sub.: Investor Presentation – Unaudited Standalone and Consolidated Financial Results (“Financial Results”) of IDFC FIRST Bank Limited (“Bank”) for the quarter ended June 30, 2026. Dear Sir / Madam, Please find enclosed herewith the Investor Presentation in connection with the Financial Results of the Bank for the quarter ended June 30, 2026 (Q1-FY27). The above information is also being hosted on the Bank’s website at www.idfcfirst.bank.in, in terms of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. Please take the above on record. Thanking you, Yours faithfully, For IDFC FIRST Bank Limited Satish Gaikwad General Counsel and Company Secretary Encl.: As above IDFC FIRST Bank Limited Corporate Office: IDFC FIRST Bank Tower, (The Square), C-61, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051. Tel: +91 22 7132 5500 Registered Office: KRM Towers, 7th Floor, No.1, Harrington Road, Chetpet, Chennai - 600 031, Tamil Nadu. Tel: +91 44 4571 6477 CIN: L65110TN2014PLC097792 | E-mail: bank.info@idfcfirstbank.com | Website: www.idfcfirst.bank.in Investor Presentation – Q1 FY27 July 25, 2026 Bank at Glance Bank at Glance, Q1 FY27 results Jun-26 PAT crosses Rs. 1,000 crore for the first time Loans & Advances Total Deposits CASA Deposits CASA ratio Rs. 2,97,834 Cr Rs. 3,11,892 Cr Rs. 1,58,492 Cr 50.8% (20% YoY | 5% QoQ) (18% YoY | 6% QoQ) (25% YoY | 8% QoQ) (283 bps YoY | 102 bps QoQ) Net Interest Margin Risk Adjusted NII GNPA ratio NNPA ratio (Q1-FY27) (Q1-FY27) 1.51% 0.44% 5.96% 4.75% (-45 bps YoY | -9 bps QoQ) (-11 bps YoY | -4 bps QoQ) (25 bps YoY | 3 bps QoQ) (96 bps YoY | 8 bps QoQ) (NII Less Credit Cost) Cost of Funds Core Operating Profit Profit After Tax Return on Assets (Q1-FY27) (Q1-FY27) (Q1-FY27) (Q1-FY27) 5.96% Rs. 2,371 Cr Rs. 1,075 Cr 1.06% (-46 bps YoY | -4 bps QoQ) (36.0% YoY | 58.9% QoQ) (132.4% YoY | 237.0% QoQ) (52 bps YoY | 73 bps QoQ) 1. Loans & Advances (Rs. 2,97,834 Cr) and Credit Substitutes (Rs. 7,537 Cr) = Total Loan Assets of Rs. 3,05,370 Cr, up 21% YoY and 5% QoQ 2. Total Deposits includes Customer Deposits (Rs. 2,99,405 Cr) and Certificate of Deposits (Rs. 12,486 Cr). 3. NIM is Gross of IBPC & Sell-down 4. Risk Adjusted NII = (Net Interest Income Less Provisions) as a % to Average Total Assets 5. In Q1 FY27, the Bank received CGFMU claim of Rs. 515 crores. We have voluntarily created contingency provision of Rs. 515 crore on prudent basis for macro and geopolitical situation. 1 Background Background 4 Liabilities TABLE Liabilities Assets Assets 19 CONTENTS 3 Asset Quality Asset Quality 30 Profitability Capital Profitability & Capital 42 Our Vision To Build A World Class Bank in India with Principles of Ethical, Digital & Social Good Banking 1. Background Section 1: Background How IDFC FIRST Bank Was Created Jun-26 • IDFC Limited was created in • Capital First was an NBFC IDFC FIRST Bank was created 1997 for financing infrastructure. created in 2012, focussed on through the merger of IDFC MSME and retail loans through Bank and Capital First, on 11th • IDFC Bank was created by IDFC technology driven lending December 2018, when all Limited, in 2016. models. regulatory and legal approvals were received, announced to • The loan book of IDFC limited • It had grown its Assets under the public, and the new was transferred to IDFC Bank at Management from Rs. 934 crore management took charge. inception in 2016. on March 31, 2010 to Rs. 32,623 crore on September 30, 2018. • IDFC Bank had assets of Rs. 75,332 crore as of September • It had a track record of growth, 30, 2018, of which 86% was in profits and asset quality. wholesale loans. • Capital FIRST was looking for a • IDFC Bank was looking to set up commercial bank license to get a a deposit franchise and diversify steady source of funding for its into Retail Banking long-term growth. Section 1: Background Progress since merger Jun-26 Parameters CAPITAL FIRST IDFC Bank Upon merger Now Change Since (Rs. Crore) (30-Sep-18) (30-Sep-18) (31-Dec-2018) (30-Jun-2026) Merger Loan Book 26,994 55,020 84,807 2,97,834 18% CAGR Customer Deposit 0 (NBFC) 36,369 38,455 2,99,405 31% CAGR H Retail Deposit 0 (NBFC) 9,008 10,400 2,38,090 52% CAGR 5,274 1,58,492 57% CAGR A CASA Deposit 0 (NBFC) 6,253 CASA Ratio 0 (NBFC) 13.0% 8.7% 50.8% 5.8X Net Worth 2,928 14,776 18,376 48,651 14% CAGR Y NIM % 8.2% 1.6% 3.1% 6.0% 286 bps B A Core PPOP/Average Asset % 5.0% 0.1% 0.8% 2.3% 155 bps R Cost to Income % 47.5% 92.4% 82.2% 69.2% -1,300 bps Gross NPA 1.6% (Mar-18) 1.6% 1.97% 1.51% 46 bps E SI L S AU Net NPA 1.0% (Mar-18) 0.6% 0.95% 0.44% 51 bps • AUM of Capital First as on 30 Sep 2018 was Rs. 32,623 crore including on-book of Rs. 26,994 crore and Off-Balance Sheet book of Rs. 5,629 crore. • Funded Assets of erstwhile IDFC Bank (Sep-18) was Rs. 75,332 crore • As of Jun-26, Loan Book (Rs. 2,97,834 Cr) and Credit Substitutes (Rs. 7,537 Cr) = Total Loan Assets of Rs. 3,05,370 Cr • Profitability numbers are for H1 FY19, Dec-18 are of Q3 FY19; Jun-25 are of Q1FY26; NIM is Gross of IBPC & Sell-down for Q1 FY27 | C:I excluding trading gains was 70.7% for Q1 FY27 and 81.6% for Q3 FY19 Section 1: Background The Bank has built a full Suite of Universal Banking Products and scaled them up Jun-26 31-Dec-18 30-Jun-26 WHOLESALE Corporate De-grew 5% from Rs. 67,733 crore to Rs. 64,252 crore BANKING PRODUCTS Retail Retail Corporate Grew 6.7x from Rs. 26,877 crore to Rs. 1,79,192 crore Lending Lending Treasury & Rural Rural Forex Lending Grew 5.2x from Rs. 4,679 crore to Rs. 24,427 crore Solutions V E I SME Grew 7.0x from Rs. 5,371 crore to Rs. 37,499 crore Transaction N S SME Banking & Lending RETAIL BANKING PRODUCTS Trade Finance Deposits Solutions Customer B K Deposits Grew 7.8x from Rs. 38,455 crore to Rs. 2,99,405 crore NRI Deposits Fastag NRI Grew from Rs. 380 crore to Rs. 24,876 crore Banking Wealth Private Wealth AUM Credit Cards Management Grew from ~Rs. 900 crore to ~Rs. 63,000 crore Credit Cards in Force Grew from NIL to 4.8 million + 2. LIABILITIES Section 2: Liabilities A Growing Deposit Market Provides Long Runway for Franchise Growth Jun-26 Total Deposits (In Rs. Lac Crore) Savings Deposits (In Rs. Lac Crore) 228 73 206 63 60 60 170 53 154 45 138 41 126 38 101 111 115 32 6 7 8 9 0 1 2 3 4 5 6 6 7 8 9 0 1 2 3 4 5 6 1 1 1 1 2 2 2 2 2 2 2 1 1 1 1 2 2 2 2 2 2 2 - - - - - - - - - - - - - - - - - - - - - - r r r r r r r r r r r r r r r r r r r r r r a a a a a a a a a a a a a a a a a a a a a a M M M M M M M M M M M M M M M M M M M M M M Current Account Deposits (In Rs. Lac Crore) Term Deposits (In Rs. Lac Crore) 23 156 20 139 19 123 15 103 12 13 80 86 11 11 66 68 66 73 6 7 8 9 0 1 2 3 4 5 6 6 7 8 9 0 1 2 3 4 5 6 1 1 1 1 2 2 2 2 2 2 2 1 1 1 1 2 2 2 2 2 2 2 - - - - - - - - - - - - - - - - - - - - - - r r r r r r r r r r r r r r r r r r r r r r a a a a a a a a a a a a a a a a a a a a a a M M M M M M M M M M M M M M M M M M M M M M Source: RBI Publications Section 2: Liabilities Customer Service is of prime importance, all gates open for service Jun-26 Bank Branch Loan Centre Contact Centre Bank has 1,155 branches as on June 30, 2026. WhatsApp App Best-in-class Prime spot for CUSTOMER SERVICE customer service inside the Bank's app Website Email 39 million customers served through these channels 10 Section 2: Liabilities # 1 Mobile Banking App in India, rated 4.9 on Android and 4.8 on IOS Jun-26 Indian bank features in Global Top-5 Mobile Banking Apps Indian bank features in Global Top-5 Mobile Banking Apps 31.4 Mn+ 2.95 Mn+ App Registrations Reviews The Forrester Digital Experience Review​: Indian Mobile Banking Apps, 2025​  11 The Forrester Digital Experience Review​: Indian Mobile Banking Apps, 2025​ → Section 2: Liabilities Since merger, the CoF reduced [Showing first 8,000 characters — download PDF for full document]