Highlights of Q3 FY22 Results

Improved indicators of Credit Quality Section 5D: Asset Quality The Bank tracks its Asset Quality on a) Cheque Bounces on Portfolio b) Cheque bounces on new book c) collection on Cheque Bounces d) Recovery on NPA accounts e) Vintage Analysis of the Book Key quality Indicators showing improvement which points to lower delinquency and credit losses in future. We are improving on all these points. The Bank is confident of meeting the guidance of 2:1:2, i.e. 2% GNPA, 1% NNPA and 2% of Credit Loss, in due course. Early Bucket cheque Bounce Rates (on Principal Outstanding) is back to Pre-Covid (Mar-20) Levels (x) for urban retail. 2.53 Early Bucket Collection Efficiency (urban retail) has surpassed pre COVID levels (Feb 2020). 1.16 1.18 1.00 1.12 1.01 98.9% 89.2% dur Mar-20 Sep-20 Mar-21 Jun-21 Sep-21 Dec-21 98.4% 99.2% 98.7% 99.3% 99.4% Feb-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 64 IDFC FIRST Bank

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