Profitability & Capital Adequacy Presentation

e. Net Stressed Assets Section 8: Risk Management & Asset Quality Net Stressed Assets reduced significantly to only 0.66% of total Assets Net stressed Assets = Net NPA + Net SRs + Net Restructured Assets (OTR) 1.28% Sep-22 Net NPA Net Restructured Assets (OTR) 0.71% 0.66% Jun-23 Net SRs Sep-23 Net Stressed Assets / Total Assets The Bank has reduced the net stressed assets, both in absolute value and as % of the total assets. This indicates lower NPA levels going forward. The restructured pool of the Bank has reduced by ~53% since September 30, 2022 Standard restructured Book is 0.38% of the total funded assets as of September 30, 2023 51 IDFC FIRST Bank

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