Capital First Strategy, Loan Growth and Profitability Trends

PR Status of our achievements vis-à-vis Guidance provided at the time of the merger Pre Merger At merger Particulars Mar-18 Sep-18 Post Merger Dec-18 Guidance given at the time of merger for FY24-FY25 Dec-20 Status 5-5.5% 4.65% On Track F Net Interest Margin % 1.58% 1.56% 2.89% | T A Cost to Income Ratio (%)* 90.35% 94.47% 80.55% 55% 79.20% On Track B | L Return on Asset (%) 0.13% -1.15% 0.37% 1.4-1.6% 0.32% On Track | T Y Return on Equity (%) 1.11% -9.71% 3.66% 13-15% 2.92% On Track *excluding trading gains 5 IDFC FIRST Bank

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