Asset Strategy and Growth Post-Merger

IDFC Bank - Financial Parameters Loan Assets (Rs Cr) SECTION 1: BACKGROUND 73,055 70,248 75,337 13% Networth (Rs Cr) 15,257 14,776 14,678 CASA Deposits (Rs Cr) 6,426 5,710 11% 4% 53,903 1% 70% 69% 72% 13,633 2,094 90% 445 26% 20% 15% 9% Mar-16 Mar-17 Mar-18 Mar-16 Mar-17 Mar-18 Sep-18 Sep-18 Mar-16 Mar-17 Mar-18 Sep-18 Others Wholesale Retail Profit After Tax (Rs Cr) Net Interest Margin (%) ROE % 7.2% 6.0% 2.1% 2.0% 1.9% 1.7% 5.7% 407 FY16 1,020 859 FY17 (167)* FY18 H1FY19 FY16 FY17 (2.2%)* FY18 H1FY19 *The bank took one-time provisions relating to stressed infrastructure loans. Without such one-time charge off, the PAT for H1 FY19 would be Rs. 81 Cr FY16 FY17 FY18 H1FY19 8 IDFC FIRST Bank

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