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

₹75,332 crore

transferred to IDFC Bank at inception in 2016. in 2016. The IDFC • IDFC Bank had assets of ₹75,332 crore, with 86% in wholesale loans in September 2018. • IDFC Bank was looking to diversify into re

86%

Bank at inception in 2016. in 2016. The IDFC • IDFC Bank had assets of ₹75,332 crore, with 86% in wholesale loans in September 2018. • IDFC Bank was looking to diversify into retail Banki

Rs. 934 crore

h the merger of IDFC Bank and Capital First. • Capital First was an NBFC and had grown AUM from Rs. 934 crores in 2010 to ₹32,623 crore in 2018, of which 90% of loans in MSME and retail were sectors. • It

₹32,623 crore

and Capital First. • Capital First was an NBFC and had grown AUM from Rs. 934 crores in 2010 to ₹32,623 crore in 2018, of which 90% of loans in MSME and retail were sectors. • It had a track record of gro

90%

rst was an NBFC and had grown AUM from Rs. 934 crores in 2010 to ₹32,623 crore in 2018, of which 90% of loans in MSME and retail were sectors. • It had a track record of growth, profits and asse

8.2%

H S E C N A L A B Y T I L I B A T I F O R P CAPITAL FIRST IDFC Bank 26,994 0 0 0 0 2,928 8.2% 5.0% 47.5% 0 75,332 36,369 9,008 6,253 13.0% 14,776 1.6% 0.1% 92.4% 203 Profitability

5.0%

C N A L A B Y T I L I B A T I F O R P CAPITAL FIRST IDFC Bank 26,994 0 0 0 0 2,928 8.2% 5.0% 47.5% 0 75,332 36,369 9,008 6,253 13.0% 14,776 1.6% 0.1% 92.4% 203 Profitability numbe

47.5%

L A B Y T I L I B A T I F O R P CAPITAL FIRST IDFC Bank 26,994 0 0 0 0 2,928 8.2% 5.0% 47.5% 0 75,332 36,369 9,008 6,253 13.0% 14,776 1.6% 0.1% 92.4% 203 Profitability numbers for

13.0%

AL FIRST IDFC Bank 26,994 0 0 0 0 2,928 8.2% 5.0% 47.5% 0 75,332 36,369 9,008 6,253 13.0% 14,776 1.6% 0.1% 92.4% 203 Profitability numbers for Sep-18 are for H1 FY19, *AUM of Capital

1.6%

Bank 26,994 0 0 0 0 2,928 8.2% 5.0% 47.5% 0 75,332 36,369 9,008 6,253 13.0% 14,776 1.6% 0.1% 92.4% 203 Profitability numbers for Sep-18 are for H1 FY19, *AUM of Capital First as on 3

0.1%

26,994 0 0 0 0 2,928 8.2% 5.0% 47.5% 0 75,332 36,369 9,008 6,253 13.0% 14,776 1.6% 0.1% 92.4% 203 Profitability numbers for Sep-18 are for H1 FY19, *AUM of Capital First as on 30 Sept

“Indian Mobile Banking Apps, Q4 2024 → Strong growth in Business from our Mobile App 45% Foreign Remittances (YoY) 44% UPI Payments (YoY) 31% Fixed Deposits (YoY) YoY growth is for Q1 FY26 vs Q1 FY25 14 Private Wealth Management: AUM growth of 34% YoY, crossed Rs.”

“50,000 crore milestone Q1-FY26 Section 2: Building a Universal Bank The Bank has successfully created a strong private wealth franchise.”

“15 Over 19 Million + FASTags in force Section 2: Building a Universal Bank Q1-FY26 Largest Issuer bank Acquirer Bank IDFC FIRST is the largest issuer among 38 Issuer banks in NETC with respect to FASTag monthly activation numbers and value processed.”

“8,001 crore in Q1 FY26, with 38% market share.”

“Number of FASTags (in force) 19.1M 17.8M Mar-25 Jun-25 Source: NPCI website 16 Credit Cards in force reaches 3.8 million mark Section 2: Building a Universal Bank Q1-FY26 Credit Card Book (Rs.”

“Example: if a customer has a credit card and a savings account, it is treated as 2 products 18 Section 3: Management Commentary Q1 FY26 Management Commentary Q1-FY26 Section 3: Management Commentary Q1 FY26 • Bank has undertaken a structural transformation over the last few years, reduced Credit Deposit Ratio, and retailised both sides of the balance sheet • Deposits franchise continues to strengthen, Customer Deposits up 26% YoY to Rs.”

“8,354 crore (down 37% YoY), and is now only 3.3% of the overall loan book • Collection efficiency in MFI book improved from 98.1% in Q4-FY25 to 99.0% in Q1-FY26.”

“NII growth expected to be increase in H2 FY26 • Excluding the impact of MFI business, the NII grew by 11.8% YoY • Operating leverage improved.”

“Process is likely to be completed in Q2-FY26 Section 4: Deposits and Borrowings Total Customer Deposits strong at 26% YoY Section 4: Deposits & Borrowings Q1-FY26 Total Customer Deposits = Retail Customer Deposits + Wholesale Customer Deposits.”

“Crore 2,56,799 2,42,543 1,93,753 1,36,812 82,725 93,214 38,455 40,504 57,719 Dec-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Jun-25 22 Retail Deposits growth strong at 25% YoY Section 4: Deposits & Borrowings Q1-FY26 Jun-25 vs Jun-24 Rs.”

The Forrester Digital Experience Review

1

Offerings include

1

Period of Stabilization

1

We are building a world class bank with

1

The Forrester Digital Experience Review

Indian Mobile Banking Apps, Q4 2024 → Strong growth in Business from our Mobile App 45% Foreign Remittances (YoY) 44% UPI Payments (YoY) 31% Fixed Deposits (YoY) YoY growth is for Q1 FY26 vs Q1 FY25 14 Private Wealth Management: AUM growth of 34% YoY, crossed Rs. 50,000 crore milestone Q1-FY26 Section 2: Building a Universal Bank The Bank has successfully created a strong private wealth franchise. Private Banking Book AUM grew 34% on a YoY basis to Rs. 51,287 crore Risk Profiling Investment tools PMS Alternate Investment Funds Bonds Structured Products

Offerings include

• • • Goal Planning • • • • • Mutual Funds • • • • Offshore & Immigration Linked Investments Pre-listed and Pre-IPO Equity Funds Estate & Trust Planning Services Loan against Securities & IPO Private Wealth Book (Deposits & Investments - Rs. Crore)^ 51,287 46,332 33,656 22,072 15,672 6,475 2,637 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Jun-25 ^Includes Demat Rs. 3,969 crores as of June 2025. 15 Over 19 Million + FASTags in force Section 2: Building a Universal Bank Q1-FY26 Largest Issuer bank Acquirer Bank IDFC FIRST is the largest issuer among 38 Issuer banks in NETC with respect to FASTag monthly activation numbers and value processed. Acquirer Bank with 526 Toll plaza and parking merchants, with 23% market share. Issuance Spends Issuance spends has reached Rs. 8,001 crore in Q1 FY26, with 38% market share. Number of FASTags (in force) 19.1M 17.8M Mar-25 Jun-25 Source: NPCI website 16 Credit Cards in force reaches 3.8 million mark Section 2: Building a Universal Bank Q1-FY26 Credit

Period of Stabilization

The Bank restricted loan growth for 3 years to address liability side challenges 1,04,660 1,10,400 1,03,519 1,17,127 1,29,051 2,00,965 1,60,599 Section 5: Diversified Loan Portfolio Q1-FY26 In Rs. Crore 2,53,233 2,41,926 Dec-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Jun-25 Loans and Advances include credit substitutes 34 Bank developed specialization in Retail, Rural and MSME; grown consistently for 15 years Q1-FY26 Section 5: Diversified Loan Portfolio Retail, Rural & MSME finance Book (Rs. Crore) 2,03,954 1,97,568 The Bank has developed specialization in Cash Flow Evaluation & Digital Capabilities for these businesses 1,66,604 1,26,135 IDFC FIRST Bank Erstwhile IDFC Bank Erstwhile CFL 94 771 3,460 5,560 7,883 10,113 20,634 13,876 92,477 75,404 57,328 32,281 36,927 42,209 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Dec-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Jun-25 35 Asset Quality: Gross NPA (~2%), Net NPA (~1%) stable over 15 years through cy

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. 85 Disclaimer Q1-FY26 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 jurisdict