Profitability & Capital Adequacy Presentation

c. Cost to Income Ratio Section 9: Profitability & Capital Cost to Income ratio - Investment Requirements . At merger, the Bank had a low CASA at 8.68%. Our total deposits & borrowings were Rs. 1,29,381 crores, of which only Rs. 10,400 crores (8.04%) were retail Deposits and Rs. 1,18,981 crores (91.96%) were institutional borrowing and deposits. . To address this issue and raise retail deposits, the Bank opened 656 branches and 999 ATMs since merger • The Bank also had to incorporate the new technology wave in its business model Branches ATMs (Including Recyclers) 1,111 206 4.2x 862 112 9.9x Dec-18 Sep-23 Dec-18 Sep-23 56 IDFC FIRST Bank

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