IDFC FIRST Bank Risk Management & Asset Quality

b. Retail, Rural & SME Loans Risk Management Funnel for Retail, Rural & SME Loans We have stringent underwriting policy and processes Hence Only 40-60% of applications are approved Hence We have Low Cheque Bounces* We follow it up with High Collection Efficiency This results in low SMA % This leads to High Asset Quality Low Credit Losses Resulting in strong improvement of RoA/ROE * Cheque/ECS / NACH bounces on first EMI presentation Section 9: Risk Management & Asset Quality This slide explains the rigorous processes we follow to maintain low Gross NPA, low Net NPA and low credit costs for over a decade. 46 IDFC FIRST Bank

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