Profitability & Capital Adequacy Presentation

d. Core Pre-provisioning Operating Profit Improving Operating Profit as % of total assets Core Pre-Provisioning Operating Profit (PPOP) as a % of Average Total Assets (Pre-merger standalone Bank) 0.32% 1.56% 1.22% 1.11% (Post-merger) 0.76% Section 9: Profitability & Capital 2.29% 2.14% 2.02% H1 FY19 (Annualized) H2 FY19 (Annualized) FY20 FY21 FY22 FY23 H1 FY23 (Annualized) H1 FY24 (Annualized) The bank has improved the core pre-provisioning operating profit despite investment in growing the bank. This was made possible as the retail lending business is profitable with more than 20% incremental ROE. * H2-FY19 actual annualized 60 IDFC FIRST Bank

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