IDFC FIRST Bank Merger Performance and Strategy Update

a. CASA Deposits CASA Ratio at 46.5% Section 5: Deposits & Borrowings CASA Ratio stood at 46.5% as of June 30, 2023, as compared to 49.8% as of March 31, 2023, as incrementally during Q1 FY 24, the Bank raised more fixed deposits than CASA deposits. Average Daily Balance CASA deposits for the bank grew by 30% on a yearly basis. 11.5% 11.4% 8.7% 31.9% 51.7% 49.8% 48.4% 46.5% 31 Mar 18 (Pre-Merger) 31 Dec 18 31 Mar 19 31 Mar 20 31 Mar 21 31 Mar 22 31 Mar 23 30 Jun 23 (At Merger) 24 IDFC FIRST Bank

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