Awards & Recognitions

Break-down of asset quality by business components. Retail has least Gross NPA and Net NPA for over a decade Segment Retail and Commercial Finance Corporate (Non-Infrastructure) 24,258 Infrastructure Financing | 4,436 Overall Bank Level Bank (Excl Infra.) Gross Advances Breakup Section 8: Risk Management & Asset Quality Gross NPA Net NPA PCR% 1,26,135 1.65% 0.55% 82.43% 2.87% 0.01% 99.84% 25.11% 15.73% 56.18% 1,54,830 2.51% 0.86% 80.29% 1,50,394 1.84% 0.46% 86.85% The significant and growing part of the book, i.e. the Retail and commercial business financing business has low NPA levels because of high-quality underwriting, credit bureaus, technology, cash-flow based lending capabilities. Asset Quality in the Corporate Book too is strong with adequate PCR of 99.84%. We expect infrastructure book to wind down in due course, hence the Bank level NPA excluding Infrastructure at 1.84% and 0.46% is relevant point to note. Provision coverage ratio is including technical write-offs. 35 IDFC FIRST Bank

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