Asset Strategy and Growth Post-Merger

2 Liability Strategy SECTION 2: PATH AHEAD • CASA Growth: • The key focus of the Bank would be to increase the CASA Ratio from 10.3% (Q3 FY 19) on a continuous basis year on year and strive to reach 30% CASA ratio with in the next 5-6 years, as well as set a trajectory to reach a CASA ratio of 40-50% there on. • Diversification of Liability: Diversification of Liabilities in favour of the retail deposit (including CASA and Retail Term Deposits) is essential for availing the low cost and sustainable funding source to fund the growth of the Bank. As a percentage of the total borrowings, the Retail Term Deposits and CASA is proposed to increase from 10.5% currently (Q3 FY 19), to over 50% in the next 5-6 years and set up a trajectory to reach 75% thereafter. • Branch Expansion: In order to grow Retail Deposits and CASA, the bank plans to set up 600-700 more bank branches in the next 5-6 years from the current branch count of 206. This would be suitably supported by the attractive product propositions and other associated services as well as cross selling opportunities. 17 IDFC FIRST Bank

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