Awards & Recognitions

b. Retail & Commercial Loans Section 8: Risk Management & Asset Quality Risk Management Funnel for Retail & Commercial Loans We have stringent underwriting policy and processes Hence Only 40-60% of applications are approved Hence We have Low Cheque Bounces* (6.6%) We follow it up with High Collection Efficiency (99.6%) This results in low SMA % (1.1%) This leads to Low GNPA (1.65%) & NNPA And (0.55%) Low Credit Losses (~1.5%) Resulting in strong improvement of RoA/ROE This slide explains the rigorous processes we follow to maintain low Gross NPA, low Net NPA and low credit costs for over a decade. * Cheque/ECS / NACH bounces on first EMI presentation 36 IDFC FIRST Bank

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