Awards & Recognitions

128% 115% Background and history of Capital First Background Capital First was a successful NBFC, growing its loan book and net profits at a 5 year CAGR of 29% and 56% respectively, with stable asset quality of Gross NPA of <2% and Net NPA of <1% for nearly a decade. Strong growth in AUM Wholesale AUM Retail AUM Retail AUM increased from 10% to 90% 935 Total AUM 32,623 26,997 19,824 16,041 11,975 6,186 7,510 9,679 2,751 FY13 FY14 FY15 FY16 FY17 FY18 Sep-18 -15.7 -46.2 Section 4: Background IDFC FIRST Bank 5 Year PAT CAGR of 56% 3.8 5 Year CAGR of 56% (Rs. Cr) 327 239 206 166 114 35 56 Cost to income came down to <50% with scaling up of business 78% 80% 72% 74% 71% 59% 51% 51% 53% 48% FY14 FY15 FY16 FY17 FY18 H1-FY19 Continuous Increase in Return on Equity (%) -2.1% -6.1% FY10 I FY11 ! 0.5% FY12 Consistent growth in RoE 3.6% 4.9% 8.3% 10.1% 11.9% 13.3% 14.5% FY13 FY14 FY15 FY16 FY17 FY18 H1-19 Stock Price increased 7x from Rs. 120 to Rs. 850 in 6 years 7 X increase in stock price in under 6 years 120.55 162.20 178.90 399.40 431.55 782.50 845.60 ill 3/31/2012 3/31/2013 3/31/2014 3/31/2015 3/31/2016 3/31/2017 1/15/2018 15 IDFC FIRST Bank FY15 FY16 FY17 FY18 H1-19

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