Profitability & Capital Adequacy Presentation

b. Retail, Rural & SME Loans Section 8: Risk Management & Asset Quality Bank has maintained High Retail asset quality GNPA of ~2% and NNPA ~1% for a decade across cycles • In this segment, asset quality maintained through Economic slowdown, demonetization, GST, ILFS Crisis. . In Retail, Rural & SME Finance portfolio, GNPA and NNPA have come down to 1.53% and 0.52% respectively -GNPA -NNPA Stress Test 5: COVID-19 Stress Test 2: Stress Test 1: Demonetization Stress Test 4: IL&FS Crisis Economic Slowdown Stress 3: GST 4.01% 2.63% 2.14% 2.18% 2.02% 1.91% 1.98% 1.77% 1.66% 1.90% 30-Sep-23 GNPA: 1.53% NNPA: 0.52% 1.65% 1.53% 1.53% 0.99% 1.51% 1.41% 1.32% 0.53% 1.19% 1.24% 1.06% 0.25% 0.08% 0.67% 0.67% 1.15% 0.52% 0.55% 0.52% 0.06% 0.00% 0.38% Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Sep-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Jun-23 Sep-23 Note: "Bank" and "Decade" here pertains to combined history of both Capital First and IDFC Bank. The figures till Sep-18 pertains to the retail portfolio at Capital First Limited. 46 IDFC FIRST Bank

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