IDFC Limited

rs,

BSE Scrip Code: 532659 The Manager – Listing Department BSE Limited 1st Floor, P.J. Towers, Dalal Street, Mumbai ‐ 400 001 June 14, 2021 Sub: IDFC Limited – Presentation on Q4FY21‐(Quarte

26%

K 7 IDFC FIRST Bank – highlights 1. Strong Growth in Retail Assets: • • Retail Book increased 26%^ YoY to Rs. 73,673 crore as on March 31, 2021 from Rs. 57,310 crore as on March 31, 2020. Retail c

Rs. 73,673 crore

IRST Bank – highlights 1. Strong Growth in Retail Assets: • • Retail Book increased 26%^ YoY to Rs. 73,673 crore as on March 31, 2021 from Rs. 57,310 crore as on March 31, 2020. Retail constitutes 67% of funded

Rs. 57,310 crore

Retail Assets: • • Retail Book increased 26%^ YoY to Rs. 73,673 crore as on March 31, 2021 from Rs. 57,310 crore as on March 31, 2020. Retail constitutes 67% of funded loan assets as on March 31, 2021 including

67%

. 73,673 crore as on March 31, 2021 from Rs. 57,310 crore as on March 31, 2020. Retail constitutes 67% of funded loan assets as on March 31, 2021 including retail PSL buyouts. • Wholesale funded book d

14%

oan assets as on March 31, 2021 including retail PSL buyouts. • Wholesale funded book decreased by 14% to Rs. 33,920 crore as on March 31, 2021 from Rs. 39,388 crore as on March 31, 2020 • • Infrast

Rs. 33,920 crore

ets as on March 31, 2021 including retail PSL buyouts. • Wholesale funded book decreased by 14% to Rs. 33,920 crore as on March 31, 2021 from Rs. 39,388 crore as on March 31, 2020 • • Infrastructure loans (part

Rs. 39,388 crore

SL buyouts. • Wholesale funded book decreased by 14% to Rs. 33,920 crore as on March 31, 2021 from Rs. 39,388 crore as on March 31, 2020 • • Infrastructure loans (part of wholesale) decreased by 27% to Rs. 10,80

27%

Rs. 39,388 crore as on March 31, 2020 • • Infrastructure loans (part of wholesale) decreased by 27% to Rs. 10,808 crore as on March 31 2021 from Rs. 14,840 crore as on March 31, 2020. Infrastructure

Rs. 10,808 crore

388 crore as on March 31, 2020 • • Infrastructure loans (part of wholesale) decreased by 27% to Rs. 10,808 crore as on March 31 2021 from Rs. 14,840 crore as on March 31, 2020. Infrastructure loans are only 9.23

Rs. 14,840 crore

rastructure loans (part of wholesale) decreased by 27% to Rs. 10,808 crore as on March 31 2021 from Rs. 14,840 crore as on March 31, 2020. Infrastructure loans are only 9.23% of total funded assets as on March 31, 2

9.23%

rore as on March 31 2021 from Rs. 14,840 crore as on March 31, 2020. Infrastructure loans are only 9.23% of total funded assets as on March 31, 2021 as compared to 13.87% as on March 31, 2020 2. Strong g

“The management believes, as the economic activities revive, a significant portion of overdues will be collected bring the GNPA and NNPA back to pre-COVID level.”

“Going forward, the Bank would continue to actively monitor the portfolio quality and tighten credit standard further in the context of the second wave of COVID-19 pandemic.”

Asset Quality on Retail Loan Book

1

Asset Quality on Retail Loan Book

• • • Retail Asset Gross NPA increased by 13 bps to 4.01% as of March 31, 2021 from 3.88% as of December 31, 2020 (proforma). Retail Asset Net NPA improved by 45 bps to 1.90% as of March 31, 2021 from 2.35% as of December 31, 2020 (proforma). The GNPA and NNPA as on March 31, 2021 are higher by 175 bps and 77 bps respectively from the Pre-COVID average GNPA and NNPA of 2.27% and 1.13% respectively (details provided in Page no 41). This is considered to be quite normal considering the pandemic situation. The management believes, as the economic activities revive, a significant portion of overdues will be collected bring the GNPA and NNPA back to pre-COVID level. The Bank has implemented a list of initiatives, specifically in credit policy and collections to factor for COVID-19 impact on its retail loans and the results of the same have been very positive. • • • • The New to Credit customers represent only 10% of the disbursals (by value) in Q4-FY21 as compared to 18% in Q4-FY19. 83% of