Asset Strategy and Growth Post-Merger

Spreads have increased from 1.7% to 3.6% post the merger SECTION 5: ASSETS Spreads -Consolidated Yields Retail Wholesale Bank Corporate Banking Infrastructure PSL Buyout Stressed Assets Average Cost of Funds CASA + Retail TD Corporate Deposits Legacy Borrowings Q3 FY18 Q2 FY19 Q3 FY19 9.3% 9.4% 11.5% 16.9% 15.7% 16.6% 9.7% 9.2% 9.5% 8.9% 9.0% 9.5% 10.2% 9.4% 9.6% 6.9% 6.5% 6.4% 2.8% 3.8% 5.7%* 7.5% 7.6% 8.0% 5.8% 5.9% 6.3% 6.4% 7.2% 7.4% 8.8% 8.8% 8.9% 8.8% CFL Borrowings Spreads 1.9% 1.7% The numbers for Q3-FY19 is not comparable with numbers of earlier quarters *Excluding one off recovery from stressed case of Rs. 81 Crore. 3.6% 28 IDFC FIRST Bank

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