IDFC First Bank Ltd. · NSE:IDFCFIRSTB

IDFC First Bank — IDFC Bank — H1 FY2019 Earnings Presentation

12 slides from IDFC First Bank's earnings presentation, Oct 24, 2018

  1. Slide 1: Exchange filing cover letter for H1FY19 presentation

    lDFCBANK/SD/SE/97/2018-19 October 24, 2018 The Manager- Listing Department The Manager- Listing Department National Stock Exchange of India Limited BSE Limited Exchange Plaza, Bandra-Kurla-Complex, 1St Floor, P.J. Towers, Sandra (East), Mumbai- 400 051 Dalal Street, Mumbai - 400 001 NSE Scrip Code:

  2. Slide 2: IDFC Bank

    IDFC BANK

  3. Slide 3: IH _H<H© _n_ Z>Zn_>_.m

    IH _H<H© _n_ Z>Zn_>_.m On._.O_wm_~ Nm‘ Non ________

  4. Slide 4: Key Highlights: H1 FY19

    Key Highlights: H1 FY19 No of Customers CASA to Deposits (Total: 34.6 lacs | IBL: 14.9 lacs) 13.3% 34'6 11-53% 30.8 11.3% 27.0 10.1% 19.4 8.2% Sep—17 i I I Dec—17 Mar—18 Jun—18 Sep—18 ' CUStomers ' exc' ”3L ' ”3L Dec-17 Mar-18 Jun-18 Sep-17 Sep-18 Customers acquired in 02 FY19: 383K (Urban: 53K, Rur

  5. Slide 5: Customers & Network

    Customers & Network Sep-17 Mar-18 Jun-18 Sep-18 Customers 19,41,647 27,00,238 30,80,115 34,62,757 Customers — excl IBL 8,29,061 14,08,795 17,36,232 19,77,582 CWB 1,039 1,137 1,180 1,256 Retail 8,28,022 26,99,101 30,78,935 34,61,501 Rural 5,47,644 22,84,718 25,96,719 29,25,812 Urban 2,80,378 4,14,383

  6. Slide 6: Financial Highlights

    FINANCIAL HIGHLIGHTS

  7. Slide 7: Balance sheet

    Balance sheet Shareholders' Funds 15,056 15,257 15,438 14,776 (4%) (2%) (3%) Deposits 38,890 48,198 54,057 48,356 (11%) 24% 0% Borrowings 59,944 57,287 47,591 52,875 11% (12%) (8%) Other liabilities and provisions 6,062 5,778 5,934 7,248 22% 20% 25% — Cash and Bank Balances 2,470 1,768 2,545 2,409 (

  8. Slide 8: Funded assets: Retail grows 19% & Corporate grows 5.5%

    Funded assets: Retail grows 19% & Corporate grows 5.5% (100; Stressed Assets decline Retail 4,722 7,966 9,323 11,070 19% 134% 39% Wholesale 47,575 50,249 51,620 51,190 (1%) 8% 2% Corporate 18,434 26,059 27,696 29,218 5% 58% 12% Infrastructure 29,141 24,190 23,924 21,972 (8%) (25%) (9%) PSL Buyout/RI

  9. Slide 9: Retail assets growing at a healthy clip

    Retail assets growing at a healthy clip JLG Total 2,192 3,042 3,384 3,915 16% 79% 29% Micro Enterprise Loan 67 158 205 274 33% 309% 73% Equipment Hypothecation Loan 5 13 15 21 37% 284% 58% Micro Housing Loan 1 7 15 34 125% NM 383% Two—Wheeler Loan 24 44 46 50 10% 114% 15% KCC O O O 2 NM NM NM — Home

  10. Slide 10: Wholesale assets diversifying away from Infra

    Wholesale assets diversifying away from Infra Conglomerates 2,850 3,941 3,289 3,219 (2%) 13% (18%) Health, Education, LRDs 3,216 4,127 4,373 4,345 (1%) 35% 5% LC 3,478 5,565 5,422 6,073 12% 75% 9% ELC 4,050 6,829 7,174 7,916 10% 95% 16% MNC 666 637 711 937 32% 41% 47% DFIG 4,174 4,960 6,728 6,727 0%

  11. Slide 11: Treasury Assets

    Treasury Assets Government Securities - A 24,925 24,162 17,260 16,327 (5%) SLR 732 1,673 475 738 55% LCR / Others 24,193 22,489 16,785 15,589 (7%) Bonds (Non - Repoable) - B 3,728 5,438 4,020 3,569 (11%) Certificate of Deposit 0 249 0 0 NM Commercial Paper 13 524 24 24 0% Bonds & Debentures (ex Tax

  12. Slide 12: Borrowing & Deposit analysis

    Borrowing & Deposit analysis Legacy Long Term Bonds 25,464 21,405 18,909 18,632 (1%) Infra Bonds 10,434 10,434 10,434 10,434 0% Others (incl ECB/ FCY/ Refinance) 3,081 4,644 5,328 8,778 65% CASA 3,200 5,710 6,084 6,426 6% — Retail 810 1,617 2,078 2,609 26% — Wholesale 2,389 4,093 4,006 3,817 (5%) Te

IDFC Bank — H1 FY2019 Earnings Presentation on 6ix