Investor Presentaiton

Section 4: Trend of Retail Loan book on a “virtual" merged basis over the last 10 years. This slide seeks to represent the trend of retail business of both entities. Though the new merged entity started in Dec 2018, the retail loan book of this entity has prior history and has been seasoned over the years. We demonstrate the trend line of the retail book over the past decade. • The loan book of erstwhile Capital First has been growing at CAGR of 96% over 8 years and at 35% over 5 years. The loan Book of erstwhile IDFC Bank was started in 2016 Given the opportunity in the retail financing in India and our skillsets and capabilities in this space, we are confident that we can sustain the growth of this business at ~ 25% over the next many years. All amounts are in Rs. crore unless specified 57,310 53,685 48,069 44,642 40,812 39,233 36,236 32,281 20,634 13,876 10,113 7,883 5,560 3,460 94 771 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Erstwhile CFL Erstwhile IDFC Bank Sep-18 IDFC FIRST Bank Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 *The above presentation is presented to express the past trajectory of the Retail Loan Assets and expertise in this business segment. It establishes our confidence to continue the growth of this business model in similar trajectory. 21 IDFC FIRST Bank

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