IDFC FIRST Bank: Quarterly Income and Business Overview

Section 1: Erstwhile IDFC Bank history and track record (pre-merger) IDFC Limited was an acknowledged leader and expert in financing Infrastructure Sector 524 Gross Funded Assets (INR bn) 702 709 753 Liabilities (Sep 30,2018) CASA balance was at Rs. 6,426 crore out of which Retail CASA was Rs. 2,609 crore Total Term Deposits was at Rs. 29,943 crore with Retail Term Deposits at Rs. 6,804 crore CASA Ratio was at 13.3% Legacy Borrowings through Long Term Bonds and Infra Bonds were at Rs. 29,066 crore Others 11% Mar-16 Mar-17 Mar-18 Sep-18 • The Bank had 203 branches 136 Net Worth (INR bn) 147 NIM (%) 153 148 2.1% 2.0% Mar-16 Mar-17 Mar-18 Sep-18 1.9% 1.7% FY16 FY17 FY18 H1 FY19 Gross Funded Assets mix (1) INR 753bn Retail 15% Wholesale 74% Borrowings + Deposits (1) (2) INR 1,012bn Retail Deposits 9% Others 64% (2) Wholesale Deposits 27% Erstwhile IDFC Bank was focused on infrastructure financing in India, corporate banking and had took steps to diversify into retail banking 1. As on Sep 30, 2018 2. Source: Annual Reports, Investor Presentations of IDFC Bank Others include borrowings, money market borrowings and Certificate of Deposits 13 IDFC FIRST Bank

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