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

25.2%

25 Deposits Loans & Advances Asset Quality • • • • • • • • • • • • • • • Strong growth of 25.2% YoY in Customer Deposits to reach Rs. 2,42,543 crores 26.4% YoY growth in Retail Deposits to reach

Rs. 2,42,543 crore

Quality • • • • • • • • • • • • • • • Strong growth of 25.2% YoY in Customer Deposits to reach Rs. 2,42,543 crores 26.4% YoY growth in Retail Deposits to reach Rs. 1,91,268 crore Strong growth of 24.8% YoY in CASA

26.4%

• • • • • • • • • • Strong growth of 25.2% YoY in Customer Deposits to reach Rs. 2,42,543 crores 26.4% YoY growth in Retail Deposits to reach Rs. 1,91,268 crore Strong growth of 24.8% YoY in CASA deposi

Rs. 1,91,268 crore

YoY in Customer Deposits to reach Rs. 2,42,543 crores 26.4% YoY growth in Retail Deposits to reach Rs. 1,91,268 crore Strong growth of 24.8% YoY in CASA deposits Total Loan Book grew 20.4% YoY to Rs. 2,41,926 crore.

24.8%

s. 2,42,543 crores 26.4% YoY growth in Retail Deposits to reach Rs. 1,91,268 crore Strong growth of 24.8% YoY in CASA deposits Total Loan Book grew 20.4% YoY to Rs. 2,41,926 crore. Retail, Rural and MSME

20.4%

osits to reach Rs. 1,91,268 crore Strong growth of 24.8% YoY in CASA deposits Total Loan Book grew 20.4% YoY to Rs. 2,41,926 crore. Retail, Rural and MSME Loan Book grew 18.6% YoY to reach Rs. 1,97,568 c

Rs. 2,41,926 crore

h Rs. 1,91,268 crore Strong growth of 24.8% YoY in CASA deposits Total Loan Book grew 20.4% YoY to Rs. 2,41,926 crore. Retail, Rural and MSME Loan Book grew 18.6% YoY to reach Rs. 1,97,568 crore. Bank continues to de

18.6%

osits Total Loan Book grew 20.4% YoY to Rs. 2,41,926 crore. Retail, Rural and MSME Loan Book grew 18.6% YoY to reach Rs. 1,97,568 crore. Bank continues to de-grow its Microfinance portfolio, which as % o

Rs. 1,97,568 crore

ook grew 20.4% YoY to Rs. 2,41,926 crore. Retail, Rural and MSME Loan Book grew 18.6% YoY to reach Rs. 1,97,568 crore. Bank continues to de-grow its Microfinance portfolio, which as % of overall loan book reduced from

6.6%

Bank continues to de-grow its Microfinance portfolio, which as % of overall loan book reduced from 6.6% in March-2024 to 4.0% in Mar-2025 Loan growth driven by steady growth in Mortgage Loans, Vehicle Lo

4.0%

grow its Microfinance portfolio, which as % of overall loan book reduced from 6.6% in March-2024 to 4.0% in Mar-2025 Loan growth driven by steady growth in Mortgage Loans, Vehicle Loans, Gold Loans, MSME

“27,005 crore in FY25, with 37% market share.”

“Mar-24 Mar-25 Acquirer Thruput (In Crore) 29,511 11% 26,504 Issuer Thruput (In Crore) 27,005 22,261 FY24 FY25 FY24 FY25 Source: NPCI website 55 Section 6: Digital Capabilities Credit Cards in force crosses 3.5 million mark Credit Card Book (Rs.”

“Crore) 36% 7,517 5,546 37% 3.5 Mn+ 2.5 Mn+ 41,787 42% 29,392 3,510 2,013 428 1.5 Mn+ 18,572 0.7 Mn+ 0.1 Mn+ 8,507 420 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 FY21 FY22 FY23 FY24 FY25 During FY25, the Bank has launched Metal Variants Ashva & Mayura 56 Strong growth in Business from recently launched Mobile App Mutual Funds (Investments) (Rs.”

“Crore) 254 197 Section 6: Digital Capabilities Q4-FY24 Q4-FY25 Q4-FY24 Q4-FY25 Payment through UPI (Rs.”

“crore) 12,402 6,672 Q4-FY24 Q4-FY25 Q4-FY24 Q4-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.”

“58 Section 7: Profitability & Capital 59 Section 7: Profitability & Capital Strong rise in Profitability, Core PPOP grew 17% YoY in 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 FY25.”

“61 Section 7: Profitability & Capital Targeting to bring down the Cost to Income Ratio over next 2 years Assets C:I ratio Trend: Retail Liabilities C:I ratio Trend: Credit Cards C:I ratio Trend: 60% 56% 53% 53% ~50% 227% 182% 197% 171% 240% ~140% 165% 116% 100% ~75% FY22 FY23 FY24 FY25 FY27 P FY22 FY23 FY24 FY25 FY27 P FY22 FY23 FY24 FY25 FY27 P Overall Bank C:I ratio Trend: (excl.”

“trading gain) 78% 73% 73% 73% ~65% FY22 FY23 FY24 FY25 FY27 P • • • • • These afore-mentioned businesses contributes towards majority of the Bank’s C:I Economies of scale will lead to reduction in the cost to income ratio of Assets.”

The Forrester Digital Experience Review

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Our Offerings

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We are building a world class bank with

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The Forrester Digital Experience Review

Indian Mobile Banking Apps, Q4 2024 → RECHARGE & BILL PAY AA x EQUITY INTEGRATION 1 CLICK SAVINGS ACCOUNT TRAVEL & SHOP 1 9 . 9 M + USERS ON APP 6 . 7 M + MONTHLY ACTIVE 1 . 3 M + MONTHLY TRANSACTING 1 . 4 M + REVIEWS 53 Private Wealth Management: AUM growing at 27% YoY and crossed Rs. 42,000 crore • The Bank is successfully creating a strong private wealth franchise. • Private Banking Book comprising of Investments AUM & Deposits grew by 27% on a YoY basis to Rs. 42,665 crore. Private Wealth Book (Deposits & Investments - Rs. Crore)^ Section 6: Digital Capabilities 42,665 33,656 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 22,072 15,672 6,475 2,637 ^Includes Deposits of Private Banking customers and Demat. Demat is Rs. 3,478 crores as of March 2025. 54 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Section 6: Digital Capabilities Over 17 million live FASTags 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. Number of FASTags (Live) 17.8M Largest Acquirer Bank Largest Acquirer Bank with 530+ Toll plaza and parking merchants, with 31% market share. 16.5M Issuance Value Issuance value has reached Rs. 27,005 crore in FY25, with 37% market share. Mar-24 Mar-25 Acquirer Thruput (In Crore) 29,511 11% 26,504 Issuer Thruput (In Crore) 27,005 22,261 FY24 FY25 FY24 FY25 Source: NPCI website 55 Section 6: Digital Capabilities Credit Cards in

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. 88 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