Profitability & Capital Adequacy Presentation

c. Diversification of Deposits Section 6: Deposits & Borrowings Bank has a highly Diversified liabilities base with 77% Retail Customer Deposits • The Bank has transformed the liability profile in 4 years from wholesale to retail, in order to diversify the deposit base. The Retail wholesale Deposits mix has changed from 27 : 73 in Dec-18 to 77: 23 in Sep-23. Strong growth of 50% YoY in retail deposits has significantly reduced dependency of the Bank on the wholesale deposits. Certificate of Deposits (short term money) has come down from Rs. 28,754 crores as of Mar 31, 2019 to Rs. 6,510 crores as of Sep 30, 2023. 73% 27% 41% 59% 23% Overall Customer Deposits 77% 27% 73% Dec-18 Rs. 38,455 crore Mar-20 Rs. 57,719 crore Mar-21 Rs. 82,725 crore Mar-22 Rs. 93,214 crore Retail Deposits Wholesale Deposits 24% 76% 23% 77% Mar-23 Rs. 1,36,812 crore Sep-23 Rs. 1,64,726 crore 30 IDFC FIRST Bank

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