Profitability & Capital Adequacy Presentation

d. Provision Coverage Ratio Provision Coverage Ratio increased to 84.09% for the Bank Retail, Rural & SME Finance 82.43% 85.06% 69.59% 65.08% 57.53% 44.56% Section 8: Risk Management & Asset Quality Non-Infra Corporate Book 99.84% 94.50% 97.73% 72.32% 58.51% 45.95% Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Sep-23 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Sep-23 Total Bank Level Total Bank Level (excluding Infra financing book) 80.29% 84.09% 70.29% 66.40% 63.57% 48.67% 86.85% 87.71% 76.04% 62.34% 62.09% 44.96% Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Sep-23 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Sep-23 Note: Provision Coverage Ratio as shown above are including technical write-offs 50 IDFC FIRST Bank

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