General Updates

IDFCFIRSTBANK/SD/140/2026-27 October 05, 2026 To To National Stock Exchange of India Limited BSE Limited Mumbai 400 051. Mumbai 400 001. NSE - Symbol – IDFCFIRSTB BSE- Scrip Code: 539437 Sub.: Intimation under SEBI Listing Regulations read with Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information in terms of Regulation 8 of SEBI PIT Regulations, 2015 Dear Sir/Madam, Please find enclosed key business updates of the Bank for the quarter ending September 30, 2026. Figures as of September 30, 2026, are provisional and subject to audit by the statutory auditors of the Bank. During the quarter the Bank mobilized Rs. 34,390 crore (~US$ 3.6 bn) of FCNR(B) deposits. Of this, IBU branch of the Bank had extended leverage of Rs. 24,885 crore (~US$ 2.6 bn) to NRI customers. Such leverage of Rs. 24,885 crore availed by customers was in turn booked as FCNR (B) deposits in the domestic Balance Sheet. Excluding the leveraged FCNR (B) of Rs. 24,885 crore from both advances and deposits, the growth in Loans & Advances, Deposits and CASA ratio % is provided in the table below: QoQ YoY In Rs. Crore 30-Sep-26 30-Jun-26 30-Sep-25 Growth % Growth % Loans & Advances 3,13,864 2,97,834 5.4% 2,60,690 20.4% Total Deposits 3,23,697 3,11,892 3.8% 2,76,771 17.0% Customer Deposits 3,16,529 2,99,405 5.7% 2,69,094 17.6% (Deposit excl. Certificate of Deposits) CASA Ratio% 51.3% 50.8% - 50.1% - 1. Domestic Credit Deposit ratio stood at 89.9% as on September 30, 2026. This excludes the advances and deposits of the IBU branch. 2. Including FCNR(B) loans on the IBU balance sheet, Gross Advances at the Bank's overall level stood at Rs. 3,38,749 crore, QoQ growth of 13.7% and YoY growth of 29.9%. These numbers do not include credit substitutes like Bonds, PTCs, etc. 3. Including FCNR(B), at the Bank’s Overall level, the Total Deposits of the Bank was Rs. 3,48,582 crore, QoQ growth of 11.8% and YoY growth of 25.9%, and CASA ratio stood at 47.6% as on September 30, 2026. 4. Including FCNR(B), at the Bank’s Overall level, the Customer Deposits of the Bank was Rs. 3,41,414 crore, QoQ growth of 14.0% and YoY growth of 26.9%. 5. Due to strong FCNR(B) deposit flows during the quarter and consequent excess liquidity, the bank slowed down deposit growth and reduced Certificate of Deposits, to manage surplus liquidity. 6. Bulk Rupee Term Deposits (>= Rs. 3 crore) as % of Total Deposits reduced from 17.1% at June 30, 2026 to 13.9% at September 30, 2026. This has structurally strengthened the balance sheet. It was 18.2% at September 30, 2025. 7. The average Liquidity Coverage Ratio (LCR) for Q2-FY27 stood at 125% as compared to 116% in Q1-FY27. 8. The asset quality of the Bank continues to remain strong. Thanking you, For IDFC FIRST Bank Limited Satish Gaikwad General Counsel & Company Secretary IDFC FIRST Bank Limited Corporate Office: IDFC FIRST Bank Tower, (The Square), C-61, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051, Maharashtra. Tel: +91 22 7132 5500 Registered Office: KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai 600 031, Tamil Nadu. Tel: +91 44 4571 6477 CIN: L65110TN2014PLC097792 | E-mail: bank.info@idfcfirstbank.com; | Website: www.idfcfirst.bank.in