IDFC FIRST Bank Risk Management & Asset Quality

ESG at IDFC FIRST Bank - Social and Governance initiatives Social Governance Community impact Employee engagement Employee learning and engagement Customer-first Diverse leadership Strong governance Strong and experienced Board • Over 16 lakh learning hours till Q3 FY24 Holistic employee wellbeing programmes covering physical, mental and financial health Responsible and inclusive lending • • Consciously increasing lending to socially inclusive and environmentally responsible sectors ~60% of all rural borrowers are women CSR and community programmes 8991 volunteers activated till Q3 FY24, positively impacting 34727 people Shwetdhara programme that helps create farmer livelihoods expands total footprint to 803 villages and registered 1061 shareholders 36 children supported under Paediatric Cancer Care Program • Section 14: Progress on ESG Information security Independence: Independent Directors constitute 50% of the Board 11 Board Committees; majorly chaired and constituted by Independent Directors Management committees are mapped to respective Board Committees Diverse and relevant skill sets of Board members Highly competent Board with over 30 years of average experience Dynamic and engaged Board, with high frequency of Board meetings Being customer first Unique customer-friendly services, including fee-free services for savings account customers Quality of portfolio • 694 scholars awarded MBA Scholarships • 53 young adults with autism supported for special education • 10 female football players supported for sports scholarships • • 52 municipal school students provided with Social Emotional Learning sessions 23 women with intellectual disabilities supported under stipend program 134 children with intellectual disability supported for early intervention program 9690 households serviced under waste management and sanitation Growing geographical coverage for customer access Universal bank with 897 branches (and growing) program • Stringent Credit and Provisioning Policy Strong Capital Adequacy, LCR, PCR, Credit Rating Risk governance Strong Risk Management Framework Strong Vigilance Mechanism Information security IDFC FIRST Bank Certified with ISO 27001 (Information Security Management System) Governance around social responsibility Information on social parameters ISO 26000 certified in accordance with ISAE 3000 (revised) 87 IDFC FIRST Bank

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