IDFC FIRST Bank Merger Performance and Strategy Update

b. Retail, Rural & SME Loans Section 7: Risk Management & Asset Quality Cheque returns on first presentation down 34% indicating better quality of loan booked Post Covid Period Pre- Covid Period Reduction of 34% On trailing 12 months 9.9% 6.5% First EMI (FEMI) Cheque presentation is a direct indicator of the Quality of Booking. Our FEMI cheque Bounce is 34% lesser than FY 20 bookings signifying improved Credit Quality. Even with 10% cheque bounce in FY 20, our delinquency was only Gross of 2% and Net of 1% We expect GNPA and NNPA to be better than our past records, i.e. GNPA less than 2% and NNPA less than 1% in retail, rural & SME book Apr - Mar 20 Jul - Jun'23 37 IDFC FIRST Bank

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