IDFC FIRST Bank Risk Management & Asset Quality

b. Retail, Rural & SME Loans High collection efficiency leads to low SMA Section 9: Risk Management & Asset Quality SMA-1 & SMA-2 portfolio as % of total Retail, Rural & SME Loan Book 0.87% 0.85% 0.82% 0.77% ill 0.85% 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 0.85% of the Book in Retail, Rural & SME segment. The SMA is broadly stable. Based on low SMA, we expect a lower level of NPA formation in future. Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 51 IDFC FIRST Bank

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