IDFC FIRST Bank Merger and Performance Update

2. Erstwhile IDFC Bank history and track record (pre-merger) Post becoming a bank, IDFC Bank took early steps to diversify away from infrastructure Gross Funded Assets (INR bn) 702 709 753 CASA Deposits (INR bn) 64 57 524 4 21 Mar-16 Mar-17 Mar-18 Sep-18 Mar-16 Mar-17 Mar-18 Sep-18 136 Mar-16 Net Worth (INR bn) 147 NIM (%) 153 148 2.1% 2.0% Mar-17 Mar-18 Sep-18 1.9% 1.7% FY16 FY17 FY18 H1 FY19 Gross Funded Assets mix (1) INR 753bn Others 11% Retail 15% Wholesale 74% Borrowings + Deposits (1) (2) INR 1,012bn Retail Deposits 9% Others Wholesale 64% (2) Deposits 27% Erstwhile IDFC Bank was focused on infrastructure financing in India, but after becoming a bank began to diversify into corporate banking and retail banking 1. As on Sep 30, 2018 2. Others include borrowings, money market borrowings and Certificate of Deposits Source: Annual Reports, Investor Presentations of IDFC Bank 5 IDFC FIRST Bank

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