Awards & Recognitions

c. Diversification of Deposits Diversification of liabilities: 76% of customer deposits are Retail The Bank has transformed the liability profile in 4 years from wholesale to retail The Retail wholesale Deposits mix has changed from 27: 73 in Dec-18 to 76: 24 in Mar-23. Strong growth in retail deposits has significantly reduced dependency of the Bank on the wholesale deposits. Section 6: Deposits & Borrowings Certificate of Deposits (short term money) has come down from Rs. 28,754 crores as of March 31, 2019 to Rs. 7,826 crores as of March 31, 2023, while the total customer deposit base grew from Rs. 40,504 crore to Rs. 1,36,812 crore in this period. Retail Deposits Wholesale Deposits 27% 73% Dec-18 Rs. 38,455 crore Overall Customer Deposits 76% 24% Mar-23 Rs. 1,36,812 crore 27 IDFC FIRST Bank

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