Profitability & Capital Adequacy Presentation

b. Retail, Rural & SME Loans Section 8: Risk Management & Asset Quality All Product of the Bank have low Gross and Net NPA Here we share the Gross and Net NPA of individual products in Retail, Rural & SME Loan book. Most of the products have GNPA ratio at less than 2% and NNPA ratio at less than 1%, a result of stringent underwriting and risk management funnel described earlier. Gross NPA Net NPA 2.35% 1.96% 1.87% 1.76% 1.58% 1.42% 1.02% 0.89% 0.73% 0.68% 0.52% 0.46% 0.39% 0.47% 0.39% 0.15% 1.53% 0.52% Loan Against Property Consumer Loans Vehicles Credit Card Digital, Gold SME Loans Home Loan Rural Finance Loan and Others Retail, Rural & SME Loans Portfolio of unsecured Personal Loans with less than Rs. 50,000 ticket size stood at only Rs. 540 crore as of September 30, 2023 which is only 0.29% of the overall funded assets of the Bank and 0.37% of the retail, rural and SME book. • The Bank has maintained strong asset quality in this portfolio with GNPA at 1.4%. 47 IDFC FIRST Bank

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