IDFC FIRST Bank Merger and Financial Overview

The Bank has reduced concentration risk on the asset side since merger; Top 10 borrowers' concentration reduced significantly Update on Funded Assets 1 The non-infra corporate funded assets increased by 5% in the last year Infrastructure financing (Rs crore) has reduced by 36% in the last year 2 in Rs. crore in Rs. crore 32,155 27,039 23,207 22,499 23,676 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 3 The Bank reduced Infrastructure financing portfolio as % of total funded assets from 37% (Mar-18) to 5.2% (Mar-22) 4 36.7% 19.4% 13.9% 9.2% 5.2% 26,832 21,459 14,840 10,808 6,891 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 The Bank also proactively reduced the concentration risk by improving top 10 borrowers' concentration from 18.8% (Mar-18) to 3.7% (Mar-22) 18.8% 9.8% 7.2% 5.9% 3.7% Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 42 IDFC FIRST Bank

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