IDFC FIRST Bank Merger and Financial Overview

Yearly Income Statement Profitability In Rs. Crore Growth (%) FY21 FY22 YOY Interest Income Interest Expense Net Interest Income Fee & Other Income 15,968 17,173 8% 8,588 7,467 -13% 7,380 9,706 32% 1,622 2,691 66% Trading Gain¹ 1,1622 531 -54% Operating Income 10,164 12,928 27% Operating Income (Excl Trading Gain) 9,002 12,397 38% Operating Expense 7,093 9,644 36% Operating Profit (PPOP) 3,071 3,284 7% Operating Profit (Ex. Trading gain) 1,909 2,753 44% Provisions¹ 2,5952 3,109 20% Profit Before Tax 476 175 -63% Tax 24 30 26% Profit After Tax 452 145 -68% 1. 2. As per the RBI guidelines dated 30th Aug, 2021, provisions/write-back for mark-to market depreciation on investments in AFS and HFT has been classified under "Other Income", prior period numbers are reclassed accordingly During FY21, there was a provision release of Rs. 573 crore on account of sale of investments in two large financial institutions, resulting into an equivalent amount of loss, the provisions and the Trading Gain for FY21 mentioned above are gross of these transactions. 56 IDFC FIRST Bank

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