Highlights of Q3 FY22 Results

Bank At a Glance (as of 31 December 2021) Profitability Q3 FY22 Core Operating Profit Rs. 745 Cr 54% (Y-o-Y) Profit After Tax Rs. 281 Cr 117% (Y-o-Y) NII & NIM% Q3 FY22 NII Rs. 2,580 Cr 36% (Y-o-Y) NIM% 5.90%¹ (5.76%) Funded Assets Retail Book Fee & Other Income Q3 FY22 Rs. 744 Cr 28% (Y-o-Y) Asset Quality GNPA % 3.96% (4.27%) CASA Ratio (%) Section 1: Executive Summary for Q3 FY22 Customer Deposits 51.59% (51.28%) % of Total Deposits Rs. 85,818 Cr 11% (Y-o-Y) Capital Adequacy Ratio (%) Liquidity Average LCR (%) Q3 FY22 % Rs. 1,22,219 Cr 11% (Y-o-Y) Retail Mix: 62%² (59%) 28% (Y-O-Y) Home Loans Growth 44% (Y-o-Y) NNPA % 1.74% (2.09%) PCR% 57%³ (52%) 15.38% (15.60%) Reg. Requirement: 11.5% 149% (174%) Reg. Requirement:100% 1. For one large telecom company, where the interest income was accounted on cash basis, the NIM% of 5.90% excludes interest income pertaining to prior periods. Including the same NIM% for Q3 FY22 is 6.18%. 2. The Bank has reclassified Commercial Banking Loans separately from this quarter. Including the same, Retail and Commercial Banking will be 70% of the gross funded assets 3. Including Technical write-offs and Excluding one large toll accounts, where we expect no material economic loss, the PCR would have been 75% () Figures in brackets are for the sequential quarter unless specified otherwise. 2 IDFC FIRST Bank

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