Highlights of Q3 FY22 Results

Q3-FY22 results - Gross Funded Assets Sustainable Growth in Overall Funded Assets Funded Assets: ◉ ☐ Section 5A Management Commentary on Q3 FY22 Results Gross Funded Assets increased by 11% to Rs. 1,22,219 crore as on December 31, 2021 from Rs. 1,10,469 crore as on December 31, 2020 Effective December 31, 2021, the Bank has reclassified businesses into retail loans, commercial finance, infrastructure book and corporate book for greater visibility of underlying portfolio. A. Retail Funded Assets: Retail loans constitutes 62% of the overall funded asset book at December 31, 2021. The bank has developed deep specialization in this business and this will be the mainstay of our profitability growth going forward. ■ The Retail funded book increased 28% YoY to Rs. 75,556 crore as on December 31, 2021 from Rs. 58,988 crore as on December 31, 2020. • Housing loans book grew by 44% YOY to Rs. 11,968 crore as of December 31, 2021. Mortgage-backed businesses grew 26% YoY as of December 31, 2021. The Bank sees strong growth in housing loans going forward. B. Commercial Finance: ■ Commercial Finance Book of the Bank increased by 16% YoY to Rs. 10,496 crore as on December 31, 2021 from Rs. 9,072 crore as on December 31, 2020. This book constitutes 9% of funded loan assets as on December 31, 2021. The Bank sees this as a strong driver of growth going forward. 41 IDFC FIRST Bank

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