IDFC FIRST Bank Merger and Performance Update

5f. Building digital capabilities for retail offering ■ Behavioral scorecard ■ Portfolio review ■ Retention calculator Fraud ■ Multiple fraud scorecards Application scorecards with Acquisition demographics, bureau and Banking information ■ Risk based pricing ■ Instant dedupe capabilities Portfolio management Revenue acceleration Robust credit decisions SHOP OPEN Customer Service Collection Π Foundation BANK 1234 4568 ■ Cross sell/up-sell framework " Propensity scorecard Hyper-personalization ■ Next best offer and action ■ Channel performance analysis ■ Online query resolution for improved customer experience Cheque bounce ■ Resolution analysis ■ Flow analysis ■ Vintage analysis 16 IDFC FIRST Bank

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