Highlights of Q3 FY22 Results

Strong growth in retail deposits has reduced the dependence on wholesale deposits and has provided greater stability to the liability side Section 5B: Update on Liabilities In Rs. Crore Legacy Long Term Bonds Legacy Infra Bonds Refinance Other borrowings Total Borrowings (A) CASA Term Deposits Total Customer Deposits (B) Certificate of Deposits (C) Money Market Borrowings (D) Dec-20 Sep-21 Dec-21 YOY% 9,460 7,588 7,311 -23% 9,514 9,395 9,357 -2% 8,297 17,345 16,561 100% 8,997 6,265 5,749 -36% 36,267 40,592 38,978 7% 40,563 46,269 47,859 18% 36,726 37,620 37,959 3% 77,289 83,889 85,818 11% 6,673 6,346 6,947 4% 4,538 12,011 11,814 160% 124,768 142,838 143,557 15% 48.31% 51.28% 51.59% 44.66% 49.45% Borrowings + Deposits (A)+(B)+(C)+(D) CASA % of Deposits Average CASA % of Average Deposits 50.54% During the last one year, the Bank has grown its borrowings through Refinance as it was available at attractive rates for the longer tenor 50 IDFC FIRST Bank

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