Highlights of Q3 FY22 Results

Key input Indicators are showing improvement, which points to lower delinquency and credit losses in future. Section 5D: Asset Quality The bank has Improved quality of Sourcing as a result, New to Credit customers as % incremental bookings have reduced from 17% to 10%, indicating improved quality. Similarly, the Customers having Bureau score > 700 has sharply improved from 61% to 84%. 17% 16% 13% 12% 10% 10% 68% 61% 60% 83% 84% 80% Jan'19 to Jul'19 to Jan'20 to Jul'20 to Jun'19 Dec'19 Jun'20 Dec'20 Jan'21 to Jun'21 Jul'21 to Dec'21 Jan'19 to Jun'19 Jul'19 to Dec'19 Jan'20 to Jun'20 Jul'20 to Dec'20 Jan'21 to Jun'21 Jul'21 to Dec'21 63 IDFC FIRST Bank

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