Capital First Strategy, Loan Growth and Profitability Trends

= SECTION 6: STRATEGY GOING FORWARD FOR THE COMBINED ENTITY Key Strategies for the combine entity - ✓ Asset Strategy Growth of Assets Diversification of Assets Gross Yield expansion ✓ Liability Strategy . • CASA Growth Diversification of Liability Branch Expansion ✓ Profitability Expand Net Interest Margin Reduce Cost to Income Ratio Improve RoA and RoE IDFC FIRST Bank

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