Asset Strategy and Growth Post-Merger

Rationale for the merger (IDFC Bank Perspective) • SECTION 1: BACKGROUND After the inception in 2015, the Bank created a robust framework and created all the necessary building blocks which are required for growing a large banking operation. • The developed a strong and robust risk management systems. • The bank also developed strong IT capabilities and infrastructure for scaling up the banking operations. . The Bank designed efficient treasury management system for its own proprietary trading, as well as for managing client operations. • The Bank created the necessary framework for distribution and opened 206 branches ( Dec 31 2018) across India including 92 branches in rural India. • The Bank launched innovative technology led products for its liability customers, e.g. quick and efficient CASA account opening process, Micro-ATMs, instant online opening of Term-Deposits. As part of its stated strategy to retailise its loan book the bank was looking for a merger with a retail finance institution with adequate scale, profitability and specialised skills. 7 IDFC FIRST Bank

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