Profitability & Capital Adequacy Presentation

b. Retail, Rural & SME Loans Section 8: 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* (6.60%) We follow it up with High Collection Efficiency (99.50%) This results in low SMA % (0.77%) This leads to High Asset Quality This slide explains the rigorous processes we follow to maintain low Gross NPA, low Net NPA and low credit costs for over a decade. Low Credit Losses Resulting in strong improvement of RoA/ROE * Cheque/ECS / NACH bounces on first EMI presentation 40 IDFC FIRST Bank

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