Asset Strategy and Growth Post-Merger

1 Asset Strategy SECTION 2: PATH AHEAD • Growth of Assets: • The Bank plans to grow the retail asset book from Rs. 36,236 Cr to over Rs. 100,000 Cr in the next 5-6 years • • The Bank plans to reduce the loans to infrastructure segments (Rs. 22,710 as of 31 December 2018) as they mature. For the Non-Infra Corporate Loans, the bank will continue to grow the loan book, based on opportunities available in the marketplace. Diversification of Assets: The loan book of the bank needs to be well diversified across sectors and a large number of consumers. Currently the retail book contributes to 35% of the total funded assets. The Bank plans to increase the retail book composition to more than 70% in the next 5-6 years Gross Yield Expansion: As a result of the growth of the retail loan assets (at a relatively higher yield compared to the wholesale loans), the gross yield of the Bank's Loan Book is planned to increase from 9.2% (as per Q2-FY19 published financials, before the merger) to ~12% in the next 5-6 years. The bank will expand Housing loan portfolio as one of its important product lines. 16 IDFC FIRST Bank

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