IDFC FIRST Bank ATM

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He said the bank is highly profitable now with PAT of over Rs. 2300 crores in FY 23 and is focussed on building a world class bank in India. #IDFCFIRSTBank #AlwaysYouFirst #IDFCFIRSTBank #AlwaysYouFirst

He said the Bank is very focussed on cash flow lending which explains the high asset quality over 14 years with current Gross NPA and Net NPA of retail, rural and MSME lending at 1.5% and 0.5% respectively.

But it is yet to pay back over Rs. 30,000 crores of Bonds and Borrowings. Once these are paid off over the next couple of years, the Bank will not require to grow deposits at this pace and can slow down deposits from current 40% to just match loan growth rates of around 22%.