Capital First Investor Presentation September 2018

b. Retail, Rural & SME Loans Bank has low SMA - (SMA1 + SMA 2) at 0.85% 1.25% Reduction of 32% Section 7: Risk Management & Asset Quality 0.85% 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 0.85% of the Book in Retail, Rural & SME segment. Based on this, we expect a lower level of NPA formation in future. Jun-22 Jun-23 39 IDFC FIRST Bank

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