IDFC FIRST Bank Merger and Financial Overview

In retail loans, key input Indicators are showing improvement, which points to lower delinquency and credit losses in future. Asset Quality The bank has Improved quality of Sourcing as a result, New to Credit customers as % incremental bookings have reduced from 17% to 9%, indicating improved quality. 17% 16% 13% 12% 10% 10% 9% Similarly, the Customers having Bureau score > 700 has sharply improved from 61% to 85%. 83% 84% 85% 80% 68% 61% 60% Jan'19 to Jul'19 to Jan'20 to Jul'20 to Jan'21 to Jul'21 to Jan'22 to Jun'19 Dec'19 Jun'20 Dec'20 Jun'21 Dec'21 Mar'22 Jan'19 to Jul'19 to Jan'20 to Jul'20 to Jan'21 to Jul'21 to Jan'22 to Jun'19 Dec'19 Jun'20 Dec'20 Jun'21 Dec'21 Mar'22 49 IDFC FIRST Bank

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