IDFC FIRST Bank Merger Performance and Strategy Update

Key Financial Highlights of Q1 FY24 (QoQ movement) Section 2: Financial Highlights - Q1 FY24 Area Key Parameters Q4 FY23 Assets Loans & Advances Rs. 1,60,599 Cr Q1 FY24 Rs. 1,71,578 Cr Growth (%/bps) 7% Customer Deposits Rs. 1,36,812 Cr Rs. 1,48,474 Cr 9% Deposits CASA Ratio (%) 49.77% 46.47% -330 bps GNPA (%) - Bank level 2.51% 2.17% -33 bps - NNPA (%) Bank level 0.86% 0.70% -15 bps Asset Quality Provision Coverage Ratio - Bank 80.29% 83.12% 283 bps GNPA (%) - Retail, Rural & SME NNPA (%) - Retail, Rural & SME 1.65% 1.53% -12 bps 0.55% 0.52% -3 bps Profit/(Loss) After Tax Profitability RoA% RoE% Capital Capital Adequacy Ratio (%) Rs. 701 Cr 3 Rs. 765 Cr 1.23% 3 12.30% 3 16.82% 9% 1.26% 3 bps 11.78% 4 16.96% -52 bps 14 bps 1. Total Loans & Advances includes credit substitutes and are Net of IBPC; 2. Provision Coverage ratio includes technical write-offs; 3. Adjusting for one-time items already called out in Q4 ‘23 4. ROE for Q1 FY24 impacted by ~60bps on account of equity capital raised of Rs. 2,196 crore during last week of March 2023. '238 IDFC FIRST Bank

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