Capital First Investor Presentation September 2018

b. Retail, Rural & SME Loans Section 7: Risk Management & Asset Quality Key Product wise NPA detail as of June 30, 2023 Here we share the Gross and Net NPA of individual products in Retail, Rural & SME Loan book. Most of the products have GNPA ratio at less than 2% and NNPA ratio at less than 1% as a result of stringent underwriting and risk management funnel described earlier. 2.61% 1.08% Gross NPA Net NPA 1.77% 1.73% 1.70% 1.59% 1.53% 1.32% 0.99% 0.67% 0.67% 0.51% 0.52% 0.41% 0.41% 0.44% 0.39% 0.16% Loan Against Property Consumer Loans Wheels Credit Card Digital, Gold SME Loans Loan and Home Loan Rural Finance Retail, Rural & SME Loans Others 41 IDFC FIRST Bank

View entire presentation