Awards & Recognitions

b. Retail & Commercial Loans Section 8: Risk Management & Asset Quality Collection Efficiency maintained consistently around 99.5% in all months of FY23 • The Collection % continues to be high at 99.5%. . Thus only 0.5% of the portfolio moves to 0-30 bucket. • This in turn feeds into low Gross and Net NPA at the Bank During FY23, our early bucket collection efficiency remained strong around 99.50% 99.6% 99.6% 99.6% 99.6% 99.4% 99.4% 99.4% 99.5% 99.5% 99.5% 99.5% 99.4% | | | | | | | | | III Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 Jan-23 Feb-23 Mar-23 Note: Above numbers pertain to Urban portfolio which is the majority of the Book. Similar experience of improvement is observed in the Rural financing also. Collection % refers to the Primary bucket which is the source bucket. % refer to EMI collected as a % of EMI Due. No prepayment or arrears collection is considered. 40 IDFC FIRST Bank

View entire presentation