Capital First Strategy, Loan Growth and Profitability Trends
Section 4: Income Statement - Nine months ending December 31, 2020
Growth (%)
In Rs. Crore
9M FY20
9M FY21
Y-o-Y
Interest Income
Interest Expense
Net Interest Income
Fee & Other Income
Operating Income (Excl Trading Gain)
Trading Gain
11,911
11,585
-3%
7,840
6,555
-16%
4,072
5,030
24%
1,117
1,022
-9%
5,189
6,051
17%
293
964
229%
Operating Income
5,482
7,015
28%
Operating Expenses
3,893
4,547
17%
Pre-Provisioning Operating Profit (PPOP)
1,589
2,468
55%
Core Pre-Provisioning Operating Profit (Ex Trading Gain)
1,296
1,504
16%
Provisions
4,075
2,035*
-50%
Profit Before Tax
(2,486)
433
Tax
450
108
-76%
Profit After Tax
(2,936)
324
*During the nine months the Bank has created COVID provisions of Rs. 2,165 crores
Section 4: Key Business & Financial Parameters
49
IDFC FIRST
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