Investor Presentaiton

Section 4: Gross and Net NPA pertaining to Retail Loans have broadly remained steady over the last quarters on the banking platform. Gross NPA Net NPA 2.32% 2.31% 2.26% 2.18% 1.77% 1.24% 1.14% 1.08% 1.06% 0.67% Mar-19 Jun-19 Sep-19 Dec-19 * Mar-20 * This is after considering the impact of Moratorium. Without considering impact of Moratorium, the Gross NPA and the Net NPA of the Retail Assets would have been 2.22% and 0.99% respectively 29 IDFC FIRST Bank

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