Investor Presentaiton

Results at a glance: IDFC FIRST Bank: Strong Strides across all the Strategic Priorities We are happy to report that we are making strong progress on the guidance given at the time of merger. 1. Strong Growth in Retail Assets: • • . • Retail Book increased 40% YoY to Rs. 57,310 crores 31st March 2020 from Rs. 40,812 crores on 31 March 2019. Retail constitutes 61% of funded loan assets 31st March 2020 compared to 37% as on 31 March 2019, including Inorganic portfolio, where the underlying assets are retail loans. Wholesale book decreased by 27% from Rs. 53,649 crores as on 31 March 2019 to Rs. 39,388 crores as on 31 March 2020 Within Wholesale book, the Infrastructure loans decreased by 31% from Rs. 21,459 crores as on 31 March 2019 to Rs. 14,840 crores as on 31 March 2020 2. Strong growth in retail Liabilities . CASA Deposits increased to Rs. 20,661 crores (31 March 2020) from Rs. 7893 crores (31 March 2019), Y-o-Y increase of 162% • CASA Ratio improved to 31.87% as on 31 March 2020 from 11.40% as on 31 March 2019 • Strong CASA growth of Rs. 4458 crores during Q4, 2020, despite disturbance of COVID and other local bank issues • • Retail deposits increased to Rs. 33,924 crores (31 March 2020) from Rs. 13,214 crores (31 March 2019), Y-o-Y increase of 157% IDFC First Bank Fixed Deposit program assigned highest safety rating of FAAA by CRISIL Bank consciously reduced Certificate of Deposits (CD) from Rs. 28,754 crores (March 31 2019) to Rs. 7,111 crores as of March 31, 2020, a Y-o-Y reduction of 75%, as CD are short term and institutional borrowing in nature, and replaced them with retail FD and CASA money, thus strengthening and diversifying the liabilities significantly. 3 IDFC FIRST Bank

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