IDFC FIRST Bank Merger and Financial Overview

Status of Legacy High Cost Long Term Borrowing as on March 31, 2022 Bank continues to bring down the legacy high cost borrowings Update on Deposits and Borrowings Maturity In Rs. Cr Balance As on Mar-22 FY23 FY24 Rol (%) Wtd. Res. Tenor (Yrs) FY25 Beyond FY 25 Infra Bonds 9,111 1,454 1,189 5,545 922 8.87% 2.12 Long Term Legacy Bonds 6,663 0 1,660 1,306 3,697 9.04% 2.70 Other Bonds 3,539 1,934 765 150 690 8.76% 1.50 Refinance 5,867 3,053 1,884 930 0 8.05% 0.97 Total 25,181 6,442 5,499 7,931 5,309 8.71% 1.92 As we replace these high cost borrowings with our incremental cost of ~5%, it will add about ~Rs. 1,000 crore to the net interest income of the bank on an annualized basis in due course. 38 IDFC FIRST Bank

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