Profitability & Capital Adequacy Presentation

a. Net Interest Income 34% YoY growth in Net Interest Income during H1 FY24 Net Interest Income (In Rs. Crore) 4,845 25% 6,076 21% 4Y CAGR: 27% 9,706 7,380 12,635 Section 9: Profitability & Capital 34% increase in NII in H1 FY24 on YoY basis against balance sheet growth of 24% YoY 7,695 30% 5,753 32% FY19* FY20 FY21 FY22 FY23 H1 FY23 H1 FY24 • * H2-FY19 actual annualized Net Interest Margin (NIM) on AUM for Q2-FY24 was 6.32% as compared to 5.83% in Q2-FY23 and 6.33% in Q1-FY24. Net Interest Income (NII) for Q2-FY24 increased 32% YoY from Rs. 3,002 crore to Rs. 3,950 crore as on September 30, 2023. 53 IDFC FIRST Bank

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