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Section 4: Sharp improvement in NIM from 2.89% (merger quarter) to 4.24% in Q4 FY20. Our NIM which was 1.56% pre merger, which grew to 2.89% at merger which moved to 4.24% in the Q4 FY20. • NIMs have increased every quarter due to gradual shift towards retail banking businesses. • As per our earlier guidance, we aspire to take it to 5-5.5% in the next 5 years. (Pre - Merger) 1.56% 4.24% 3.86% 3.43% Post - Merger 3.03% 3.01% 2.89% Q2 FY19 Q3 FY19 Q4 FY19 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 25 25 IDFC FIRST Bank

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