Awards & Recognitions

b. Retail & Commercial Loans 34% reduction in the Cheque Bounce during last 4 years Section 8: Risk Management & Asset Quality Pre- Covid Period On trailing 12 months 9.9% Reduction of 34% Post Covid Period 6.6% First EMI (FEMI) Cheque presentation is a direct indicator of the Quality of Booking. Our FEMI cheque Bounce is 34% lesser than FY 20 bookings signifying improving Credit Quality than before. Even with 10% cheque bounce in FY 20, our delinquency was only Gross of 2% and Net of 1% We expect GNPA and NNPA to be better than our past records, i.e. GNPA less than 2% and NNPA less than 1% in retail & commercial book Apr - Mar'20 Apr - Mar'23 39 IDFC FIRST Bank

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