Highlights of Q3 FY22 Results

Asset quality of the Bank continues to improve sequentially GNPA NNPA 2.83% Bank 4.61% 4.27% 4.15% 3.96% 2.32% 2.09% 1.86% 1.74% 1.23% Dec-19 (Pre-Covid) PCR% 57.34% Section 5D: Asset Quality • The Asset Quality of the Bank has improved as compared to last quarter driven by the improvements in retail, commercial and corporate segments. • PCR including technical write-offs and excluding one large legacy road infrastructure account (toll) which moved to NPA in Q1-FY22 was at 75% as on December 31, 2021 Mar-21 Jun-21 Sep-21 (Post Covid 1.0) (During Covid 2.0) (During Covid 2.0) 56.23% 50.86% 52.06% Dec-21 (Pre-Covid 3.0) 57.06% • Without the one legacy infrastructure (toll) NPA account as mentioned earlier, the GNPA and NNPA would have been 3.24% and 1.14% with PCR at 66% as on December 31, 2021 60 IDFC FIRST Bank

View entire presentation