Asset Strategy and Growth Post-Merger

IDFC FIRST BANK - Path Ahead IDFC IDFC BANK • • • Strong Systems and Processes Over 200 bank branches Efficient Treasury Management System Strong presence in corporate and infrastructure financing, payment systems, Launched retail lending businesses successfully + • Over 34 lacs customers D SECTION 2: PATH AHEAD CAPITAL FIRST F IDFC FIRST Bank • Strong Retail Franchise and in niche segments with strong credit skills • Presence in more than 220 locations across India supported by 102 branches • Consistently increasing Profitability with high ROE High Asset quality • Customer base of over seven million and 4 million live customers • Strong Loan assets of more than Rs. ~104000 Cr 34% of loans in retail segment Margins increased from 1.7% standalone to 3.3% post merger • Diversified asset profile • Strong platform to grow retail deposits and CASA A large retail customer base of more than 70 lacs live customers including 30 lacs rural customers 15 IDFC FIRST Bank

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