IDFC FIRST Bank Risk Management & Asset Quality

The Bank is performing well on the guidance given for FY 25 at the time of the merger Particulars CET - 1 Ratio Capital Capital Adequacy (%) Liability CASA as a % of Deposits (%) Branches (#) CASA + Term Deposits<5 crore (% of Customer Deposits) Certificate of Deposits of % of total deposits & borrowings Quarterly Avg. LCR (%) Retail, Rural and SME Finance (Net of IBPC) Dec-18 Guidance for FY24-FY25 Dec-23 Status (At Merger) 16.14% >12.5 % 13.95% On Track 16.51% >13.0 % 16.73% On Track 8.7% 30% (FY24), 50% thereafter 46.8% On Track 206 800-900 897 Achieved 39% 85% 82% On Track 17% <10% of liabilities 3% Achieved 123% >110% 121% On Track Rs. 36,927 Cr Rs. 100,000 Cr Rs. 1,55,920 Cr Achieved Retail, Rural and SME Finance as a % of Total Loans & Advances 35% 70% 82% Achieved Assets Wholesale Loans & Advances¹ Rs. 56,770 Cr < Rs. 40,000 Cr Rs. 31,147 Cr Achieved - of which Infrastructure loans 1. Excluding Security Receipts, Loan converted into Equity, RIDF and PTC. Rs. 22,710 Cr Nil in 5 years Rs. 2,994 Cr On Track Some new guidance has been included for greater clarity. No guidance given at the time of the merger has been amended No guidance provided earlier for these parameters 96 IDFC FIRST Bank

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