IDFC FIRST Bank Merger and Performance Update

7. Income statement Particulars (INR bn) Gross Interest Income FY18 FY19 FY20 9M FY20 9M FY21 89 119 159 119 116 Interest Expense 71 87 102 78 66 Net Interest Income 18 32 56 41 50 Other Income 11 9 17 12 14 Operating Income 29 41 74 53 64 Operating Expense 17 33 54 39 45 Operating Profit 13 80 19 14 19 Provisions (Other than Tax) & Contingencies 2 15 43 39 15 (Net) Exceptional Items (Goodwill at merger) 26 Profit Before Tax 10 10 (33) (24) (25) 4 Tax Profit After Tax 2 (14) 5 4 1 9 (19) (29) (29) 3 Note: Metrics for FY18, FY19 and FY20 are not comparable due to the merger effective Dec 18, 2018. Metrics for 9MFY20 and 9MFY21 are comparable 25 IDFC FIRST Bank

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