IDFC FIRST Bank Merger Performance and Strategy Update

h. Capital Adequacy Ratio Capital Adequacy Ratio is strong at 16.96% as on June 30, 2023 In Rs. Crore Common Equity Tier 2 Capital Funds Total Capital Funds Total Risk Weighted Assets CET-1 Ratio (%) Total CRAR (%) Jun-22 Section 8: Profitability & Capital Mar-23 Jun-23 20,821 24,816 25,630 2,618 4,585 6,105 23,439 29,401 31,736 1,48,600 1,74,762 1,87,133 14.01% 14.20% 13.70% 15.77% 16.82% 16.96% • The Bank is well capitalized for growth in future. • The Operational Risk is re-assessed at the beginning of every year, which impacted CET-1 ratio by ~44bps 59 IDFC FIRST Bank

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