IDFC First Bank’s MFI provision will go down every quarter from now; opex to fall further to 12-13%: V Vaidyanathan

IDFC First Bank's MD & CEO, V Vaidyanathan, anticipates improved performance in FY26, driven by peaking microfinance provisions and reduced operating expenses. The bank expects a gradual ROA improvement, particularly in Q3 and Q4, with PAT increasing as the microfinance challenges subside. Strong CASA, deposit, and loan growth, excluding microfinance, further support this positive outlook.