Awards & Recognitions

Section 8: Risk Management & Asset Quality Retail & Commercial loans: (SMA1 + SMA2) as % of total Book reduced by 50% in FY23 b. Retail & Commercial Loans 2.2% --- Reduction of 50% 1.1% SMA 1 is the overdue portfolio in Bucket 31-60 days, and SMA 2 is the overdue portfolio in 61-90 days. SMA 1 (31-60 days overdue) and SMA 2 (61-90 days overdue), put together are around 1.1% of the Book in retail & commercial segment. Based on this, we expect a lower level of NPA formation in future. Mar-22 Mar-23 41 IDFC FIRST Bank

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