Highlights of Q3 FY22 Results

Key Strengths of IDFC FIRST Bank 1. Vision: Section 1: Executive Summary for Q3 FY22 The summary of our vision statement can be captured in three words "Ethical, Digital and Social Good". We believe ethical banking is at the core of everything we do. Digital is how we do it. And we believe our business has to contribute to larger social-good. 2. Customer First approach We are built on the foundation of customer-first principles. We believe in being transparent and not in billing the customer fees or charges in small bits and pennies through fine-prints. For instance, unlike common market practice in India and elsewhere, we do not charge non-home. branch charges, SMS update fees, IMPS fees, Annual card fees etc. We were the first universal bank to offer monthly interest credit for savings accounts. In credit cards, we were the first bank to introduce low, dynamic pricing, zero interest rate on cash withdrawal till billing date, lifetime Free credit cards and so on. Similarly, in every product we launch, whether current accounts, fleet cards or wealth management, we are bringing something new and customer-first special to the market. Thus, there are many "firsts" we have introduced to the industry. On the lending side, we are attractively priced like regular mainstream banks. 3. Corporate governance Eminent, qualified and experienced Board of Directors. All committees are headed by independent directors except CSR which is headed by the MD and CEO. We say things as they are, with transparent communication, both internal and external, and detailed investor presentation. 7 IDFC FIRST Bank

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