Investor Presentaiton

Section 7: Successful Trajectory of Growth and Profits at Capital First Credit Framework STRONG RISK MANAGEMENT PROCEDURES: Capital First is structured with inherent checks and balances for effective risk management Credit Policy (For defining Business Origination Team Lending Norms) Credit Underwriting Team Loan Booking & Operations Team Portfolio Monitoring & Collections Sales, credit, operations and collections are independent of each other, with independent reporting lines for checks and balances in the system 60 IDFC FIRST Bank

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