Highlights of Q3 FY22 Results

We are happy to say that the Bank is performing well on the guidance given at the time of the merger. Section 1: Executive Summary for Q3 FY22 Particulars Dec-18 (At merger) Guidance for FY24-FY25 Retail and Commercial Book Rs. 36,927 Cr Rs. 100,000 Cr Dec-21 Latest quarter Rs. 86,052 Cr (27%) Retail and Commercial Book as a % of Total Funded Assets 35% Wholesale Funded Assets¹ Rs. 56,770 Cr ASSETS A - of which Infrastructure loans Rs. 22,710 Cr EARNINGS Top 10 borrowers as % of Total Funded Assets (%) GNPA (%) NNPA (%) Provision Coverage Ratio (%) Net Interest Margin (%) Cost to Income Ratio² (%) Return on Asset (%) Return on Equity (%) 12.8% 70% < Rs. 40,000 Cr Nil in 5 years < 5% Rs. 29,697 Cr (-14%) Rs. 8,051 Cr (-31%) 70% 4.3% 1.97% 2-2.5% 3.96% 0.95% 1.1.2% 1.74% 53% ~70% 67% 3.10% 5-5.5% 5.90%3 81.56% 55% 77.59% -3.70% 1.4-1.6% 0.66% -36.81% 13-15% 5.59% 1. Excluding Security Receipts, Loan converted into Equity, RIDF and PTC. 2. Excluding Trading Gains 3. Excluding interest income pertaining to prior period for one telecom account. Including the same, NIM is at 6.18% for the quarter 4. Including technical write-offs. Earnings for Dec-18 and Dec-21 are for the quarter. ()brackets represent YoY growth 6 IDFC FIRST Bank

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