IDFC FIRST Bank Merger and Financial Overview

Key Highlights of FY22 Results Area Key Parameters Key Highlights of FY22 Results FY21 FY22 Growth (%/bps) Funded Assets Rs. 1,17,127 Cr Rs. 1,31,951 Cr 13% Assets Retail Funded Assets Rs. 65,300 Cr Rs. 83,740 Cr 28% Customer Deposits Rs. 82,725 Cr Rs. 93,214 Cr 13% Deposits Average CASA Ratio (%) 41.50% Asset Quality (GNPA, NNPA) (%) 4.15%, 1.86% Asset Quality Retail & Commercial (GNPA, NNPA) (%) 4.01%, 1.90% 2.63%, 1.15% 49.88% 3.70%, 1.53% 838 bps 45 bps, 33 bps 138 bps, 75 bps Capital Capital Adequacy Ratio (%) 13.77% 16.74% 297 bps Net Interest Margin (%) 5.03% 5.96% 93 bps Cost to Income* (%) - Q4 84.18% 76.18% 800 bps Core Operating Profit* - FY Rs. 1,909 Cr Rs. 2,753 Cr 44% Profitability Core Operating Profit* - Q4 Rs. 405 Cr Rs. 836 Cr 106% Profit After Tax - FY Rs. 452 Cr Rs. 145 Cr -68% Profit After Tax - Q4 Rs. 128 Cr Rs. 343 Cr 168% *Excluding trading gain 7 IDFC FIRST Bank

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