Capital First Investor Presentation September 2018

ESG at IDFC FIRST Bank Environmental Social Section 12: Progress on ESG Governance Infrastructure and facilities • • • • DC EV charging infrastructure in two large offices in Mumbai, offered free for employee use IGBC certification & LEED Certified Gold Standard for multiple large offices; HO certified by WELL. IDFC FIRST Bank Tower HO (The Square, BKC) is fully powered by green energy Adopted Motion Sensors for lights and introduced Internet of Things (IoT) in our AC systems in multiple offices. Optimization of water usage in facilities in key offices, saving over 4,300 KL water every year EV financing • 1.46 lakh EV two wheelers financed • • • Employee learning and engagement . ~4.7 lakh learning hours in Q1 FY24 Holistic employee wellbeing programmes covering physical, mental and financial health CSR and community programmes . • 3,400+ volunteers activated in Q1 FY24, positively impacting 10,000+ people Shwetdhara programme that helps create farmer livelihoods expands total footprint to 450+ villages 1001 sessions conducted for rural vocational training programme 118 entrepreneurs supported by Junoon programme Paediatric Cancer Care to support cancer treatment of children Disaster response Support to Odisha Train Crash victims via volunteering for food and water, hygiene kits etc. MBA Scholarship programme to support scholars Growing geographical coverage for customer access 1000+ EV 3 wheelers financed in Rural for last mile connectivity. Leading financier with maximum finance tie ups; introduced industry first end-to-end digital journey on EV financing Focus on energy and resource efficiency Fully digitized customer journeys for multiple products to save paper In-store customer awareness for purchase of energy efficient appliances Environment focused initiatives Beach cleanup programme 450 kg of waste collected in a single session 900+ saplings planted on World Environment Day, with potential of saving 21 tonnes of CO2 every year • • • Universal bank, with coverage in 25 states and 3 UTS Strong and experienced Board • • • Independence: 60% Independent Directors 11 Board Committees (majority members are IDs and chaired by IDs) Management committees are mapped to respective Board Committees. Diverse and relevant skill sets Highly competent Board with over 30 years of average experience Dynamic and engaged Board, with high frequency of Board meetings 100% average Board attendance Globally aligned disclosures • For reporting year 2022-23, Sustainability disclosures aligned to global frameworks such as GRI, SASB, Integrated Reporting; and BRSR Being customer first . Unique customer-friendly services, including fee-free services for customers Quality of portfolio • Stringent Credit and Provisioning Policy Strong Capital Adequacy, LCR, PCR, Credit Rating Risk governance Strong Risk Management Framework • Strong Vigilance Mechanism Information security . IDFC FIRST Bank Certified with ISO 27001 (Information Security Management System) 73 IDFC FIRST Bank

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