IDFC FIRST Bank Risk Management & Asset Quality

e. Net Stressed Assets Net Stressed Assets reduced to only 0.66% of total Assets Net stressed Assets = Net NPA + Net SRs + Net Restructured Assets (OTR) 1.15% 0.84% 0.71% 0.66% 0.66% Dec-22 Mar-23 Jun-23 Net NPA Net SRs Net Restructured Assets (OTR) Sep-23 Dec-23 Net Stressed Assets / Total Assets Section 9: Risk Management & Asset Quality The Bank has reduced the net stressed assets, both in absolute value and as % of the total assets. This indicates lower NPA levels going forward. The restructured pool of the Bank has reduced by ~51% since December 31, 2022. Standard restructured Book is 0.35% of the total funded assets as of December 31, 2023. 57 IDFC FIRST Bank

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