IDFC FIRST Bank Risk Management & Asset Quality

Key Financial Highlights of 9M FY24 Section 4: Financial Highlights - Q3 FY24 Area Key Parameters 9M FY23 9M FY24 Assets Loans & Advances¹ Rs. 1,52,152 Cr Rs. 1,89,475 Cr Growth (%/bps) 24.5% Customer Deposits Rs. 1,23,578 Cr Rs. 1,76,481 Cr Deposits CASA Ratio (%) 49.98% 46.83% GNPA (%) -Bank level 2.96% 2.04% 42.8% -315 bps -92bps NNPA (%) - Bank level 1.03% 0.68% -35 bps Asset Quality Provision Coverage Ratio - Bank 76.60% 84.68% 808 bps GNPA (%) - Retail, Rural & SME 1.87% 1.45% -42 bps NNPA (%) - Retail, Rural & SME 0.70% 0.51% -19 bps Profit/(Loss) After Tax Rs. 1,635 Cr Rs. 2,232 Cr 36.6% Profitability ROA% 1.05% 1.16% 11 bps RoE% 9.95% 10.67% 72 bps Capital Capital Adequacy Ratio (%) 16.06% 16.73% 67 bps 1. Note: Total Loans & Advances (including credit substitutes) are Net of IBPC 18 IDFC FIRST Bank

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