Profitability & Capital Adequacy Presentation

c. Wholesale Financing Bank has reduced concentration risk in Wholesale lending The Bank has reduced its corporate (non-infra) book from 29% in Mar- 19 to 16% in Sep-23 Section 8: Risk Management & Asset Quality Similarly, the Bank has reduced its infrastructure financing portfolio from 19% in Mar-19 to 1.8% in Sep-23 29% 22% 19% 18% 16% 16% 19% 14% 9% 5% 3% 2% Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Sep-23 Also, the exposure to top 20 single borrowers reduced from 16% in Mar-19 to 6% in Sep-23 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Sep-23 Further, the exposure to top 5 industries also reduced from 41% Mar-19 to 20% in Sep-23 which has further strengthened the balance sheet. 16% 13% 12% 9% 7% 6% Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 41% 35% 27% 24% 22% 20% Sep-23 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Sep-23 49 IDFC FIRST Bank

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