IDFC FIRST Bank: Quarterly Income and Business Overview

Results at a glance for Period ended on March 31, 2021: IDFC FIRST Bank: Strong Strides across all the Strategic Priorities We are happy to report that we are making strong progress on the guidance since merger. 1. Strong Growth in Retail Assets: · Retail Book increased 26% YoY to Rs. 73,673 crore as on March 31, 2021 from Rs. 57,310 crore as on March 31, 2020. • Retail constitutes 67% of funded loan assets as on March 31, 2021 including retail PSL buyouts. • Wholesale funded book decreased by 14% to Rs. 33,920 crore as on March 31, 2021 from Rs. 39,388 crore as on March 31, 2020 . Infrastructure loans (part of wholesale) decreased by 27% to Rs. 10,808 crore as on March 31 2021 from Rs. 14,840 crore as on March 31, 2020. • Infrastructure loans are only 9.23% of total funded assets as on March 31, 2021 as compared to 13.87% as on March 31, 2020 2. Strong growth in Retail Liabilities . • . • • CASA Deposits increased by 122% YOY to Rs. 45,896 crore as on March 31, 2021 from Rs. 20,661 crore as on March 31, 2020 CASA Ratio improved to 51.75% as on March 31, 2021 from 31.87% as on March 31, 2020. Average CASA Ratio (calculated on daily CASA balance) also improved to 50.23% as on March 31, 2021 from 27.72% as on March 31, 2020. Total Customer Deposits increased to Rs. 82,725 crore as on March 31, 2021 from Rs. 57,719 crore as on March 31, 2020, Y-o-Y increase of 43%. Top 20 Depositors' concentration as % to total customer deposits has reduced to 7.75% as on March 31, 2021 from 20.36% as on March 31, 2020 • IDFC First Bank Fixed Deposit program have the highest safety rating of FAAA by CRISIL ^ excluding the ECLGS portfolio of Rs. 1,687 crore as on March 31, 2021 LO 5 IDFC FIRST Bank

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