Profitability & Capital Adequacy Presentation

ESG at IDFC FIRST Bank - Social and Governance initiatives Social Governance Employee engagement Community impact Employee learning and engagement ~9.9 lakh learning hours in H1 FY24 Customer-first Diverse leadership Strong governance Strong and experienced Board 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* 4492 volunteers activated in H1 FY24, positively impacting 11481 people Shwetdhara programme that helps create farmer livelihoods expands total footprint to 550 villages 23 children supported under Paediatric Cancer Care Program 694 scholars awarded MBA Scholarships 51 young adults with autism supported for special education 52 municipal school students provided with Social Emotional Learning sessions 10 female football players supported for sports scholarships 23 women with intellectual disabilities supported under stipend program 109 children with intellectual disability supported for early intervention program 9690 households serviced under waste management and sanitation program *Impact numbers cumulative for Q1 + Q2 FY 2024 Growing geographical coverage for customer access Universal bank with 862 branches (and growing) • • Section 13: Progress on ESG Information security Independence: Independent Directors constitute 55% 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 • 100% average Board attendance • Being customer first Unique customer-friendly services, including fee-free services for savings account customers ☐ Quality of portfolio • 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) 81 IDFC FIRST Bank

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