Capital First Strategy, Loan Growth and Profitability Trends

Section 4: Quarterly Income Statement Growth (%) Growth (%) In Rs. Crore Interest Income Interest Expense Net Interest Income Fee & Other Income Operating Income (Excl Trading Gain) Trading Gain Q3 FY20 Q2 FY21 Q3 FY21 Y-o-Y Q-o-Q 4,100¹ 3,801 3,9522 -4% 4% 2,566 2,141 2,209 -14% 3% 1,534 1,660 1,744 14% 5% 437 291 582 33% 100% 1,972 1,951 2,326 18% 19% 142 337 2903 105% -14% Operating Income 2,113 2,288 2,616 24% 14% Operating Expense 1,432 1,486 1,842 29% 24% Pre-Provisioning Operating Profit (PPOP) 682 803 773 13% -4% Core Pre-Provisioning Operating Profit (Ex. Trading gain 540 465 484 -10% 4% Provisions 2,305 676 5954 -74% -12% Profit Before Tax (1,623) 126 179 41% Tax 16 25 49 97% Profit After Tax (1,639) 101 130 28% 1. This included one time interest on Income tax refund of Rs. 38 crores. 2. Net of provision for interest reversal on Proforma NPA cases on Dec 31, 2020 3. The Bank sold its entire exposure in NCD of a stressed financial service company in secondary market, net of provision reversal held on this case (Gain of Rs. 2 crore) 4. During this quarter, the Bank has made additional provision of Rs. 390 crore for COVID provision to further strengthen its balance sheet. Section 4: Key Business & Financial Parameters 50 IDFC FIRST Bank

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