Capital First Strategy, Loan Growth and Profitability Trends

Section 4: Granularization / Diversification of Liabilities (Deposits <= Rs. 5 crore) Customer Deposits have become more granular since merger. 78% of the total Customer Deposits have outstanding balances Rs. 5 crore or below as compared to 31% as on December 31, 2018. All figures are in Rs. crore unless specified. 78% 74% Deposits <= 5 crores <= 5crs as % Total Customer Deposits 60,349 65% 59% 51,147 55% 49% 40,582 34,267 41% 30,199 37% 24,987 31% 30% 28% 28% 18,730 14,834 10,684 12,021 7,906 9,035 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Section 4: Update on Liabilities 41 IDFC FIRST Bank

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