IDFC FIRST Bank Merger and Financial Overview

Asset Quality of Corporate book (Non-Infra) is stable GNPA NNPA 3.98% Corporate 3.08% 1.58% 1.92% 2.91% 2.85% 2.75% 2.52% 1.25% 0.84% 0.39% 0.31% Dec-19 (Pre-Covid) Mar-21 (Post Covid 1.0) Jun-21 (Covid 2.0) Sep-21 (Covid 2.0) Dec-21 Mar-22 (Covid 3.0) PCR%* 49.61% 72.32% 80.67% 87.43% 92.26% 94.50% *Includes technical write-offs Asset Quality The Book in the corporate segment has seen improvement in asset quality on a consistent basis since the spike due to COVID-19. We follow prudent underwriting, reduction of concentration risk, proper industry and customer selection processes. The PCR including technical write- offs on this segment is 94% as on March 31, 2022. 46 IDFC FIRST Bank

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