IDFC FIRST Bank Merger Performance and Strategy Update

b. Retail, Rural & SME Loans Section 7: Risk Management & Asset Quality Risk Management Funnel for Retail, Rural & SME Loans We have stringent underwriting policy and processes Hence Only 40-60% of applications are approved Hence We have Low Cheque Bounces* (6.50%) We follow it up with High Collection Efficiency (99.50%) This results in low SMA % (0.85%) This leads to Low GNPA (1.53%) & NNPA And (0.52%) Low Credit Losses (~1.46%) Resulting in strong improvement of RoA/ROE This slide explains the rigorous processes we follow to maintain low Gross NPA, low Net NPA and low credit costs for over a decade. * Cheque/ECS / NACH bounces on first EMI presentation 33 IDFC FIRST Bank

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