IDFC Limited

rs,

BSE Scrip Code: 532659 The Manager – Listing Department BSE Limited 1st Floor, P.J. Towers, Dalal Street, Mumbai ‐ 400 001 Sub: IDFC Limited – Presentation on Q3FY21(Quarter and nine months

INR 200 crore

rivate sector banks to formally move ahead and execute on our unlock value strategy ✓ HDFC loan of INR 200 crore has been fully paid-off 6 Consolidated PAT 7 ParticularsQ3 FY 219M FY 21IDFC standalone PAT(4.6

24%

BANK 8 IDFC FIRST Bank – highlights 1. Strong Growth in Retail Assets: • Retail Book increased 24% YoY to Rs. 66,665 crore as on Dec 31, 2020 from Rs. 53,685 crore as on Dec 31, 2019 • Retail const

Rs. 66,665 crore

DFC FIRST Bank – highlights 1. Strong Growth in Retail Assets: • Retail Book increased 24% YoY to Rs. 66,665 crore as on Dec 31, 2020 from Rs. 53,685 crore as on Dec 31, 2019 • Retail constitutes 65% of funded loa

Rs. 53,685 crore

owth in Retail Assets: • Retail Book increased 24% YoY to Rs. 66,665 crore as on Dec 31, 2020 from Rs. 53,685 crore as on Dec 31, 2019 • Retail constitutes 65% of funded loan assets as on Dec 31, 2020 including Ino

65%

Rs. 66,665 crore as on Dec 31, 2020 from Rs. 53,685 crore as on Dec 31, 2019 • Retail constitutes 65% of funded loan assets as on Dec 31, 2020 including Inorganic PSL buyouts, where underlying assets

57%

31, 2020 including Inorganic PSL buyouts, where underlying assets are retail loans as compared to 57% as on Dec 31, 2019 • Wholesale funded book decreased by 21% to Rs. 34,809 crore as on Dec 31, 2020

21%

assets are retail loans as compared to 57% as on Dec 31, 2019 • Wholesale funded book decreased by 21% to Rs. 34,809 crore as on Dec 31, 2020 from Rs. 44,329 crore as on Dec 31, 2019 • Infrastructure

Rs. 34,809 crore

are retail loans as compared to 57% as on Dec 31, 2019 • Wholesale funded book decreased by 21% to Rs. 34,809 crore as on Dec 31, 2020 from Rs. 44,329 crore as on Dec 31, 2019 • Infrastructure loans (part of whol

Rs. 44,329 crore

Dec 31, 2019 • Wholesale funded book decreased by 21% to Rs. 34,809 crore as on Dec 31, 2020 from Rs. 44,329 crore as on Dec 31, 2019 • Infrastructure loans (part of wholesale) decreased by 26% to Rs. 11,602 cro

26%

from Rs. 44,329 crore as on Dec 31, 2019 • Infrastructure loans (part of wholesale) decreased by 26% to Rs. 11,602 crore as on Dec 31 2020 from Rs. 15,601 crore as on Dec 31, 2019. 2. Strong growth i

Rs. 11,602 crore

. 44,329 crore as on Dec 31, 2019 • Infrastructure loans (part of wholesale) decreased by 26% to Rs. 11,602 crore as on Dec 31 2020 from Rs. 15,601 crore as on Dec 31, 2019. 2. Strong growth in retail Liabilities

Asset Quality on Retail Loan Book

1

Asset Quality on Retail Loan Book

• Retail Asset Gross NPA stood at 0.27% as of Dec 31, 2020 as compared to 0.41% as of Sept 30, 2020 and 2.26% as of Dec 31, 2019. • Retail Asset’s Net NPA stood at 0.13% as of Dec 31, 2020 as compared to 0.17% as of Sept 30, 2020 and 1.06% as of Dec 31, 2019. • Without the impact of Hon. Supreme Court’s order, the Proforma GNPA for retail as on Dec 31 2020 would have been 3.88% and the Proforma NNPA would have been 2.35%. As compared to Long Term Avg. of 4 pre-COVID quarters, the proforma GNPA is higher by 161 bps. • The overall collection efficiency for standard loans stood at 98% of the pre-covid levels (Jan-20 and Feb-20) as of 31 Dec 2020. *Long term Average mentioned above is Average of Bank’s GNPAs for the 4 quarters prior to COVID pandemic. (i.e. Mar-19, Jun-19, Sept-19 and Dec-19) 11 IDFC FIRST Bank – highlights 5. Strong Capital Adequacy: • Capital Adequacy Ratio is strong at 14.33% with CET-1 Ratio at 13.82% as of Dec 31, 2020. 6. Franchise: • The Branch Network now stands at