IDFC FIRST Bank: Quarterly Income and Business Overview

Section 4: The Bank reduced wholesale, infrastructure loan assets since merger; Top 10 borrowers' concentration reduced. 1 The Bank reduced the wholesale funded assets by CAGR of 29% between Mar-19 and Mar-21 2 Out of this, infrastructure financing (Rs crore) has reduced by 41% CAGR between Mar-19 to Mar-21 26,832 56,809 53,871 53,649 39,388 33,920 Mar-18 Dec-18 Mar-19 Mar-20 Mar-21 3 The Bank reduced Infrastructure financing portfolio as % of total funded assets from 37% (Mar-18) to 9% (Mar-21) 4 36.73% Mar-18 21.70% 19.44% 13.87% 9.23% Dec-18 Mar-18 22,710 21,459 14,840 10,808 Dec-18 Mar-19 Mar-20 Mar-21 The Bank also proactively reduced the concentration risk by improving top 10 borrowers' concentration from 18.8% (Mar-18) to 5.9% (Mar-21) 18.8% 12.8% 9.8% 7.2% 5.9% Mar-19 Mar-20 Mar-21 Mar-18 Dec-18 Mar-19 Mar-20 Mar-21 33 IDFC FIRST Bank Section 4: Assets Update

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