Highlights of Q3 FY22 Results

Quarterly Income Statement Section 5E: Key Financial Parameters Income Statement In Rs. Crore Interest Income¹ Interest Expense Q3 FY21 Growth (%) Q2 FY22 Q3 FY22 Y-o-Y 4,101 4,101 4,429 8% 2,209 1,828 1,849 -16% Net Interest Income 1,892 2,272 2,580 36% Fee & Other Income 582 658 744 28% Operating Income (Excl Trading Gain) 2,474 2,930 3,324 34% Trading Gain² 269 122 25 -91% Operating Income 2,743 3,052 3,349 22% Operating Expense¹ 1,991 2,359 2,579 30% Pre-Provisioning Operating Profit (PPOP) 753 693 770 2% Core PPOP(Ex. Trading gain) 484 571 745 54% Provisions² 574 475 392 -32% Profit Before Tax Tax 179 218 378 111% 49 66 97 97% Profit After Tax 130 152 281 117% 1. Loan Servicing Fees paid to Business correspondents (incl IFBL) has been re-classified from interest income to operating expenses effective Q4 FY21, prior period numbers are also reclassed accordingly. 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 72 IDFC FIRST Bank

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