IDFC First Bank Limited

rs,

a (East), Mumbai - 400 051. Tel: +91 22 7132 5500 Fax: +91 22 2654 0354 Registered Office: KRM Towers, 7th Floor, No.1, Harrington Road, Chetpet, Chennai - 600 031. Tel: +91 44 4564 4000 Fax: +91 44 4564

28.8%

a Universal Bank Deposits Loans & Advances Asset Quality • • • • • • • • • Strong growth of 28.8% YoY in Customer Deposits to reach Rs. 227,316 crores 29.6% YoY growth in Retail Deposits to reach R

Rs. 227,316 crore

ances Asset Quality • • • • • • • • • Strong growth of 28.8% YoY in Customer Deposits to reach Rs. 227,316 crores 29.6% YoY growth in Retail Deposits to reach Rs. 1,80,752 crore Strong growth of 32.3% YoY in CASA

29.6%

ty • • • • • • • • • Strong growth of 28.8% YoY in Customer Deposits to reach Rs. 227,316 crores 29.6% YoY growth in Retail Deposits to reach Rs. 1,80,752 crore Strong growth of 32.3% YoY in CASA deposi

Rs. 1,80,752 crore

% YoY in Customer Deposits to reach Rs. 227,316 crores 29.6% YoY growth in Retail Deposits to reach Rs. 1,80,752 crore Strong growth of 32.3% YoY in CASA deposits Savings accounts grow at 32.9% and Current Accounts at

32.3%

Rs. 227,316 crores 29.6% YoY growth in Retail Deposits to reach Rs. 1,80,752 crore Strong growth of 32.3% YoY in CASA deposits Savings accounts grow at 32.9% and Current Accounts at 28.9% Cost of deposits

32.9%

ts to reach Rs. 1,80,752 crore Strong growth of 32.3% YoY in CASA deposits Savings accounts grow at 32.9% and Current Accounts at 28.9% Cost of deposits was stable on QoQ basis at 6.38% Total Loan Book gr

28.9%

Strong growth of 32.3% YoY in CASA deposits Savings accounts grow at 32.9% and Current Accounts at 28.9% Cost of deposits was stable on QoQ basis at 6.38% Total Loan Book grew 22.0% YoY, reaches Rs. 2,31

6.38%

gs accounts grow at 32.9% and Current Accounts at 28.9% Cost of deposits was stable on QoQ basis at 6.38% Total Loan Book grew 22.0% YoY, reaches Rs. 2,31,074 crore Retail, Rural and MSME Loan Book grew 2

22.0%

d Current Accounts at 28.9% Cost of deposits was stable on QoQ basis at 6.38% Total Loan Book grew 22.0% YoY, reaches Rs. 2,31,074 crore Retail, Rural and MSME Loan Book grew 21.3% YoY to reach Rs. 1,89,1

Rs. 2,31,074 crore

at 28.9% Cost of deposits was stable on QoQ basis at 6.38% Total Loan Book grew 22.0% YoY, reaches Rs. 2,31,074 crore Retail, Rural and MSME Loan Book grew 21.3% YoY to reach Rs. 1,89,139 crore Loan growth driven by s

21.3%

% Total Loan Book grew 22.0% YoY, reaches Rs. 2,31,074 crore Retail, Rural and MSME Loan Book grew 21.3% YoY to reach Rs. 1,89,139 crore Loan growth driven by steady growth Home Loans, Vehicle Loans, Gold

“3 M + REVIEWS 53 Wealth Management: AUM growing at 89% CAGR and crossed Rs.”

“19,484 crore in 9M-FY25, with 37% market share.”

“1.2M 2.8M Section 6: Digital Capabilities FASTags issued 12.4M 6.9M 21.5M 17.6M Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Dec-24 Acquirer Thruput (In Crore) 19,187 24% 23,800 Issuer Thruput (In Crore) 19,484 16,262 9M FY24 9M FY25 9M FY24 9M FY25 Source: NPCI website 55 Section 6: Digital Capabilities Credit Cards in force crosses 3 million mark Credit Card Book (Rs.”

“Crore) 6,918 5,546 3.3 Mn+ 2.5 Mn+ 29,392 30,265 18,572 3,510 1.5 Mn+ 2,013 428 0.7 Mn+ 0.1 Mn+ 8,507 420 Mar-21 Mar-22 Mar-23 Mar-24 Dec-24 Mar-21 Mar-22 Mar-23 Mar-24 Dec-24 FY21 FY22 FY23 FY24 9M FY25 During FY25, the Bank has launched Metal Variants Ashva & Mayura 56 Strong growth in Business from recently launched Mobile App Section 6: Digital Capabilities Mutual Funds (Investments) (Rs.”

“Crore) 222 118 Q3-FY24 Q3-FY25 Q3-FY24 Q3-FY25 Payment through UPI (Rs.”

“crore) 13,023 6,789 Q3-FY24 Q3-FY25 Q3-FY24 Q3-FY25 57 Section 6: Digital Capabilities Strong improvement in Customer Service due to Digital Capabilities • • Digitisation initiatives are improving efficiency and customer experience in customer service, disbursement, processing, collection, liabilities, and all divisions.”

“Section 7: Profitability & Capital 59 Section 7: Profitability & Capital Strong rise in Profitability, Core PPOP grew 24% YoY in 9M FY25 In Rs.”

“launched and fee-based • Many of these products are in the early stage of their lifecycle and have the potential to grow significantly going forward.”

“• Fee to Average total assets stood at 2.09% for 9M-FY25 61 Section 7: Profitability & Capital Targeting to bring down the Cost to Income Ratio over next 3 years Assets C:I ratio Trend: Retail Liabilities C:I ratio Trend: Credit Cards C:I ratio Trend: 60% 227% 53% 53% 55% <50% 182% 197% 178% 240% 140% 165% 116% 100% ~75% FY22 FY23 FY24 9M FY25 FY27 P FY22 FY23 FY24 9M FY25 FY27 P FY22 FY23 FY24 9M FY25 FY27 P Overall Bank C:I ratio Trend: (excl.”

“trading gain) 78% 73% 73% 72% ~65% FY22 FY23 FY24 9M FY25 FY27 P • • • • Economies of scale will lead to reduction in the cost to income ratio of Assets.”

The Forrester Digital Experience Review

1

Our Offerings

1

We are building a world class bank with

1

The Forrester Digital Experience Review

Indian Mobile Banking Apps, Q3 2024 → RECHARGE & BILL PAY AA x EQUITY INTEGRATION 1 CLICK SAVINGS ACCOUNT TRAVEL & SHOP 1 8 M + USERS ON APP 6 . 5 M + MONTHLY ACTIVE 1 . 3 M + MONTHLY TRANSACTING 1 . 3 M + REVIEWS 53 Wealth Management: AUM growing at 89% CAGR and crossed Rs. 42,000 crore • The Bank is successfully creating a strong wealth franchise. • Private Banking Book comprising of Wealth AUM & Deposits grew by 53% on a YoY basis to Rs. 42,778 crore. Wealth Private AUM & Deposit (Rs. Crore)^ 42,778 Section 6: Digital Capabilities PMS & Alternate Investment Funds

Our Offerings

• • Bonds & Structured Products • • • • Offshore & Investments Pre-listed and Pre-IPO Equity Funds Estate & Trust Planning Services Loan against Securities & IPO Immigration Linked 33,656 22,072 15,672 6,475 2,637 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Dec-24 ^Includes Deposits of Private Banking customers and Demat. Demat is Rs. 3697 crores as of December 2024. Over 21.5 million FASTags issued Largest Issuer bank IDFC FIRST is the largest issuer among 38 Issuer banks in NETC with respect to FASTAG monthly activation numbers and value processed. Largest Acquirer Bank Largest Acquirer Bank with 761+ Toll plaza and parking merchants, with 45% market share. Issuance Value Issuance value has reached Rs. 19,484 crore in 9M-FY25, with 37% market share. 1.2M 2.8M Section 6: Digital Capabilities FASTags issued 12.4M 6.9M 21.5M 17.6M Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Dec-24 Acquirer Thruput (In Crore) 19,187 24% 23,800 Issuer Thruput (In Crore) 19,484 16,262 9M FY24 9M FY25 9M FY24 9M FY25 Source:

We are building a world class bank with

- Highest levels of corporate governance - Stable balance sheet growth of ~20%, - Robust asset quality of GNPA less than 2% and net NPA of < 1% - High teens ROE - Contemporary technology and - High levels of Customer Centricity. 87 Disclaimer This presentation has been prepared by and is the sole responsibility of IDFC FIRST Bank (together with its subsidiaries, referred to as the “Company”). By accessing this presentation, you are agreeing to be bound by the trailing restrictions. This presentation does not constitute or form part of any offer or invitation or inducement to sell or issue, or any solicitation of any offer or recommendation to purchase or subscribe for, any securities of the Company, nor shall it or any part of it or the fact of its distribution form the basis of, or be relied on in connection with, any contractor commitment therefore. In particular, this presentation is not intended to be a prospectus or offer document under the applicable laws of any jurisdiction, inc