Profitability & Capital Adequacy Presentation

b. Retail, Rural & SME Loans Section 8: Risk Management & Asset Quality Bank has tightened underwriting norms which has resulted in low cheque bounces on presentation 9.9% Apr - Mar'20 Reduction of 33% 6.6% First EMI (FEMI) represents Cheque returns in the FIRST month after Booking. It is thus a direct indicator of the Quality of Booking. These returns are collected from customers in the remainder of the month (see next slide for collection efficiency). Our First EMI cheque Bounce has consistently remained low indicating high quality of bookings. Note: Numbers pertain to urban retail portfolio on trailing 12 months basis Oct - Sep'23 43 IDFC FIRST Bank

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