IDFC FIRST Bank Merger Performance and Strategy Update

We are happy to say that the Bank is performing well on the guidance given at the time of the merger. Dec-18 Jun-23 Particulars Guidance for FY24-FY25 Status (At Merger) Last quarter CET - 1 Ratio Capital 16.14% >12.5 % 13.70% On Track Liability Capital Adequacy (%) CASA as a % of Deposits (%) Branches (#) CASA + Term Deposits<5 crore (% of Customer Deposits) Certificate of Deposits of % of total deposits & borrowings Quarterly Avg. LCR (%) Retail, Rural and SME Finance (Net of IBPC) 16.51% >13.0 % 16.96% On Track 8.7% 30% (FY24), 50% thereafter 46.5% On Track 206 800-900 824 On Track 39% 85% 81% On Track 17% <10% of liabilities 3% Achieved 123% >110% 125% On Track Rs. 36,927 Cr Rs. 100,000 Cr Rs. 1,36,066 Cr Achieved Retail, Rural and SME Finance as a % of Total Loans & Advances 35% 70% 79% Achieved Assets Wholesale Loans & Advances¹ Rs. 56,770 Cr < Rs. 40,000 Cr Rs. 31,421 Cr Achieved Rs. 22,710 Cr Nil in 5 years Rs. 3,758 Cr On Track - of which Infrastructure loans 1. Excluding Security Receipts, Loan converted into Equity, RIDF and PTC. Some new guidance has been included for greater clarity. No guidance given at the time of the merger has been amended No guidance provided earlier for these parameters 82 IDFC FIRST Bank

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