IDFC FIRST Bank Merger and Performance Update

7. High cost borrowing - cost and maturity profile Potential to be replaced with low cost deposits as and when they mature Particulars (INR bn) Infra Bonds Long Term Legacy Bonds Other Bonds 16 4 Refinance Total Upto Mar-21 FY 21-22 1 21 14 11 11 23 45 55 FY 22-23 15 19 31 65 59 FY 23-24 14 17 8 19 58 59 FY 24-25 57 13 2 6 81 Beyond FY 25 9 38 7 54 Total 95 95 50 83 323 Rol (%) 8.87% 8.98% 8.76% 7.77% 8.60% Wtd. Res. Tenor (Yrs) 3.36 3.97 7.32 1.72 3.74 Note: Positions as of Dec 31, 2020 28 IDFC FIRST Bank

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