IDFC Limited

rs,

i- 400 051 NSE Scrip Code: IDFC The Manager- Listing Department BSE Limited pt Floor, P.J. Towers, Dalal Street, Mumbai- 400 001 BSE Scrip Code: 532659 Sub: IDFC Limited- Presentation on Q3FY20 (

INR 300 crore

1296) IDFC AMC 64 (1232) (1) (1233) (524)* 35 (489) (23) (512) * includes DTA reversal of INR 300 crore (our share) due to revised rate of income tax of 25.17%  We continue to monetize all non-core ass

25.17%

) (512) * includes DTA reversal of INR 300 crore (our share) due to revised rate of income tax of 25.17%  We continue to monetize all non-core assets & distribute the proceeds to shareholders as soon

50%

r ended 31 December, 2019, the Bank recognized one legacy telecom exposure as stressed and provided 50% provisioning on the total exposure which resulted in a net loss for the quarter. 1. Assets (As of

Rs. 51,506 crore

rter. 1. Assets (As of 31 Dec 2019) a. Growing the Retail Loan book: Retail Book has increased to Rs. 51,506 crores (grown by 15,270 crores in 12 months since merger) b. c. Increase proportion of Retail Loans:

15,270 crore

ec 2019) a. Growing the Retail Loan book: Retail Book has increased to Rs. 51,506 crores (grown by 15,270 crores in 12 months since merger) b. c. Increase proportion of Retail Loans: Retail Book as a % of Tot

49%

er) b. c. Increase proportion of Retail Loans: Retail Book as a % of Total Funded Assets reached 49% (36% at merger) Reducing Infrastructure Book. Infrastructure book decreased to Rs. 15, 016 crores

36%

b. c. Increase proportion of Retail Loans: Retail Book as a % of Total Funded Assets reached 49% (36% at merger) Reducing Infrastructure Book. Infrastructure book decreased to Rs. 15, 016 crores (redu

Rs. 15,

Assets reached 49% (36% at merger) Reducing Infrastructure Book. Infrastructure book decreased to Rs. 15, 016 crores (reduced by Rs. 7,695 crore in 12 months since merger) d. Reducing Wholesale loan book:

016 crore

reached 49% (36% at merger) Reducing Infrastructure Book. Infrastructure book decreased to Rs. 15, 016 crores (reduced by Rs. 7,695 crore in 12 months since merger) d. Reducing Wholesale loan book: W/S loan

Rs. 7,695 crore

ger) Reducing Infrastructure Book. Infrastructure book decreased to Rs. 15, 016 crores (reduced by Rs. 7,695 crore in 12 months since merger) d. Reducing Wholesale loan book: W/S loan book decreased to Rs. 42,951

Rs. 42,951 crore

7,695 crore in 12 months since merger) d. Reducing Wholesale loan book: W/S loan book decreased to Rs. 42,951 crore (reduced by Rs. 13,858 crore in 12 months since merger) 2. Liabilities (As of 31 Dec 2019) a. b

“• As per our earlier guidance, we aspire to take it to 5-5.5% in the next 5-6 years.”

Contribution by

1

Contribution by

Other adjustments Consol PAT 9 months ended Dec 31, 2019 Half year ended Sept 2019 IDFC FIRST Bank (1296) IDFC AMC 64 (1232) (1) (1233) (524)* 35 (489) (23) (512) * includes DTA reversal of INR 300 crore (our share) due to revised rate of income tax of 25.17%  We continue to monetize all non-core assets & distribute the proceeds to shareholders as soon as possible 6 2. IDFC FIRST BANK 7 Q3 highlights: rapid strides across all strategic priorities During the quarter ended 31 December, 2019, the Bank recognized one legacy telecom exposure as stressed and provided 50% provisioning on the total exposure which resulted in a net loss for the quarter. 1. Assets (As of 31 Dec 2019) a. Growing the Retail Loan book: Retail Book has increased to Rs. 51,506 crores (grown by 15,270 crores in 12 months since merger) b. c. Increase proportion of Retail Loans: Retail Book as a % of Total Funded Assets reached 49% (36% at merger) Reducing Infrastructure Book. Infrastructure book decreased to Rs. 15, 0