IDFC FIRST Bank: Quarterly Income and Business Overview

Section 4: The Bank has made strong progress in retailization of Liabilities. Retail liabilities now comprise 77% of customer deposits, up from 27% at merger. . The Bank is focused for retailization of the liabilities which is reflected in the growth in its Core Deposits. • Such Deposits are sticky and sustainable in nature in comparison to Corporate Deposits or Certificate of Deposits. We are happy to report that the Bank has increased the Core Deposits (Retail CASA + Retail Term Deposits) as a % of Total Customer Deposits of the Bank as on March 31, 2021 to 77% from 27% as on December 31, 2018 (merger quarter). • The Liability Franchise is strong and well diversified across retail depositors. Core Deposits (Retail CASA + Retail TD) Other Deposits Rs. 28,370 Cr 80% 20% Rs. 38,455 Cr 73% Mar-18 Section 4: Update on Liabilities 27% 67% Rs. 40,504 Cr Total Customer Deposits (Excl. CD) Rs. 57,719 Cr 33% 41% 59% Rs. 82,725 Cr 23% 77% Dec-18 Mar-19 Mar-20 Mar-21 26 IDFC FIRST Bank

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