IDFC FIRST Bank Merger and Performance Update

5e. Built a diversified and strong retail lending book, top 10 borrowers' concentration down to 6.3% of total funded assets Retail gross funded assets (INR bn) Wholesale (excl. infra) loan assets (INR bn) 32% 667 322 573 270 408 70 245 232 Foundation Infrastructure loan assets (INR bn) 268 215 148 116 Mar-18 Mar-19 Mar-20 Dec-20 Mar-18 Mar-19 Mar-20 Dec-20 Mar-18 Mar-19 Mar-20 Dec-20 Contribution to total gross funded assets Retail gross funded assets mix Reduction in Top 10 Borrowers (1) 18.8% 60% 54% 11% 12% 11% 43% 17% 18% 17% 37% 37% 37% 36% 35% 35% 29% 23% 21% 19% 9.8% 7.2% 6.3% 19% 6% 14% 16% * 11% 10% 15% * 32% 35% 35% 37% 9% 8% Mar-18 Retail Mar-19 Mar-20 Dec-20 Mar-18 Mar-19 Mar-20 Dec-20 Mar 18 Mar 19 Mar 20 Dec 20 Wholesale (excl. infra) (2) Infra Others Mortgage MSME/SME Consumer Rural MFI and KCC Post-merger in the merged entity, IDFC FIRST Bank Pre-merger in erstwhile IDFC Bank Note: Metrics for FY18, FY19 and FY20 are not comparable due to the merger effective Dec 18, 2018. KCC - Kisaan credit card As a % of total funded assets 1. 2. Others include Inorganic PSL buyout, Security receipts and Loan converted to equity 15 IDFC FIRST Bank

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