Profitability & Capital Adequacy Presentation

g. Financial Statements Half Yearly Income Statement Section 9: Profitability & Capital Growth (%) In Rs. Crore H1 FY23 H1 FY24 YOY Interest Income Interest Expense Net Interest Income 10,391 14,224 37% 4,638 6,529 41% 5,753 7,695 34% Fee & Other Income 1,844 2,716 47% Trading Gain 73 127 75% Operating Income 7,670 10,539 37% Operating Income (Excl Trading Gain) 7,598 10,411 37% Operating Expense 5,558 7,528 35% Operating Profit (PPOP) 2,113 3,011 43% Operating Profit (Ex. Trading gain) 2,040 2,883 41% Provisions 732 1,005 37% Profit Before Tax Tax Profit After Tax 1,380 2,006 45% 350 490 40% 1,030 1,516 47% 64 IDFC FIRST Bank

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