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

Rs. 75,332 crore

f IDFC limited was transferred to IDFC Bank at inception in 2016. • • IDFC Bank had assets of Rs. 75,332 crore as of September 30, 2018, of which 86% was in wholesale loans. IDFC Bank was looking to set up

86%

tion in 2016. • • IDFC Bank had assets of Rs. 75,332 crore as of September 30, 2018, of which 86% was in wholesale loans. IDFC Bank was looking to set up a deposit franchise and diversify into

Rs. 934 crore

hrough technology lending models. driven • • It had grown its Assets under Management from Rs. 934 crore on March 31, 2010 to Rs. 32,623 crore on September 30, 2018. It had a track record of growth,

Rs. 32,623 crore

driven • • It had grown its Assets under Management from Rs. 934 crore on March 31, 2010 to Rs. 32,623 crore on September 30, 2018. It had a track record of growth, profits and asset quality. • Capital F

8.2%

A T I F O R P CAPITAL FIRST IDFC Bank 26,994 0 0 0 0 (NBFC) (NBFC) (NBFC) (NBFC) 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 Proforma 1,0

5.0%

F O R P CAPITAL FIRST IDFC Bank 26,994 0 0 0 0 (NBFC) (NBFC) (NBFC) (NBFC) 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 Proforma 1,02,326

47.5%

P CAPITAL FIRST IDFC Bank 26,994 0 0 0 0 (NBFC) (NBFC) (NBFC) (NBFC) 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 Proforma 1,02,326 36,369

13.0%

0 0 0 (NBFC) (NBFC) (NBFC) (NBFC) 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 Proforma 1,02,326 36,369 9,008 6,253 13.0% 17,704 Profitabi

1.6%

(NBFC) (NBFC) (NBFC) 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 Proforma 1,02,326 36,369 9,008 6,253 13.0% 17,704 Profitability numbers a

0.1%

C) (NBFC) (NBFC) 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 Proforma 1,02,326 36,369 9,008 6,253 13.0% 17,704 Profitability numbers are for

92.4%

BFC) (NBFC) 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 Proforma 1,02,326 36,369 9,008 6,253 13.0% 17,704 Profitability numbers are for H1 FY1

“99.3% 99.4% 99.4% 99.4% 99.4% 99.5% 99.5% 99.6% 99.5% 99.5% 99.5% 99.5% 99.4% 99.5% Stable Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 • Numbers above pertain to collection efficiency in current bucket in Retail portfolio (excluding rural financing) which is the majority of the Book.”

“Asset Quality Summary – Ex-MFI and MFI Section 6: Strong Risk Management Framework SMA Pool of MFI has declined by 67% since March 25, indicating reducing stress in MFI going forward Sep-25 In Rs.”

“Crore) Opening NPAs ADD: Gross additions LESS: Recoveries and Upgrades Net Addition to NPA LESS: Write-offs Closing NPA Gross NPA (%) Net NPA (%) Section 6: Strong Risk Management Framework Sep-25 Q1 FY26 Q2 FY26 4,434 2,486 (486) 2,000 (1,566) 4,867 1.97% 0.55% 4,867 2,260 (522) 1,739 (1,765) 4,841 1.86% 0.52% 53 • Gross slippages in MFI have reduced from Rs.”

“249 crore in Q2 FY26 • Gross slippages other than MFI have increased from Rs.”

“2,011 crore in Q2 FY26 • Gross slippages (excluding microfinance book) for Q2 FY26 improved to 3.39% as compared to 3.54% for Q1 FY26 8.”

“Trend of Provision Coverage Ratio Section 6: Strong Risk Management Framework Provision Coverage Ratio improved to 72.2% Sep-25 Provision Coverage Ratio (%) 72.3% 72.2% 68.8% 66.4% 64.5% 59.5% 56.2% 48.2% Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Sep-25 Credit cost of the Bank (excluding MFI) stood at 2.03% in H1 FY26 54 This section on Microfinance portfolio is provided because of issues in the MFI industry Section 7: Microfinance Business Update a.”

“Trend of Microfinance Disbursement & Book Section 7: Microfinance Business Update Bank’s Micro-Finance book has reduced to 2.7% of total funded assets Sep-25 Microfinance Book as a % of Funded Assets 5.6% 4.8% 4.0% 3.3% 2.7% Micro-finance Outstanding book (Rs Crore) 12,520 10,997 9,571 8,354 7,306 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Microfinance Loan disbursements for Q2-FY26 were at Rs.”

“MFI Trend in Collection Efficiency Section 7: Microfinance Business Update MFI Collection Efficiency improved from 99.0% for Q1 FY26 to 99.1% for Q2 FY26 Sep-25 Collection Efficiency % = (Pos of EMI Collected for the Month)/(Pos of EMI Due for the month) % Collections % do not include any arrear or prepayment collections and hence represents true collections efficiency.”

“Collection efficiency STABLE 99.5% 99.4% 99.6% 99.8% 99.7% 99.7% 99.2% 99.4% 99.1% 98.6% 99.0% 99.1% 99.1% 99.1% 98.1% 96.9% Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Jul-25 Aug-25 Sep-25 Note: The above figures are quarterly average of monthly collection efficiency for current bucket.”

“NII is expected to increase towards H2 FY26 because of reduction in term deposit rates.”

Period of Stabilization

1

We are building a world class bank with

1

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 Dec-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Mar-24 Mar-25 Sep-25 Loans and Advances include credit substitutes 34 Bank developed specialization in Retail, Rural and MSME; grown consistently for 15 years Sep-25 Section 5: Diversified Loan Portfolio Retail, Rural & MSME finance Book (Rs. Crore) 2,13,906 1,97,568 The Bank has developed specialization in Cash Flow Evaluation & Digital Capabilities for these businesses 1,66,604 1,26,135 92,477 75,404 IDFC FIRST Bank Erstwhile IDFC Bank Erstwhile CFL 57,328 32,281 36,927 42,209 94 771 3,460 5,560 7,883 10,113 20,634 13,876 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 Sep-25 35 Wholesale Loan Book growth trend since inception Wholesale Loan Book (Rs crore) Initial Position: The bank initially had infrastructure and wholesale loan

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 Sep-25 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 jurisdicti