Profitability & Capital Adequacy Presentation

b. Retail, Rural & SME Loans High collection efficiency leads to low SMA Section 8: Risk Management & Asset Quality SMA-1 & SMA-2 portfolio as % of total Retail, Rural & SME Loan Book 0.89% 0.85% 0.77% SMA 1 is the overdue portfolio in Bucket 31-60 days, and SMA 2 is the overdue portfolio in 61-90 days. SMA 1 (31-60 days overdue) and SMA 2. (61-90 days overdue), put together are around 0.77% of the Book in Retail, Rural & SME segment. Based on this, we expect a lower level of NPA formation in future. Sep-22 Jun-23 Sep-23 45 IDFC FIRST Bank

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