IDFC FIRST Bank: Quarterly Income and Business Overview

-2.1% -6.1% FY10 FY11 FY12 FY13 0.5% FY13 AUM (Rs. Cr) Wholesale AUM Retail AUM Total AUM 32,623 26,997 19,824 16,041 11,975 9,679 7,510 6,186 2,751 935 6 72% 90% 44% 26% 74% 81% 84% %98 93% 94% 91% 19% 16% 14% 7% 6% 9% FY14 FY15 FY16 FY17 Return on Equity (%) 4.9% 3.6% 8.3% 10.1% 11.9% 13.3% 14.5% FY14 FY15 FY16 FY17 FY18 H1-19 -2.5 -7.1 FY10 FY11 FY12 FY13 FY14 FY15 FY18 Section 1: Erstwhile Capital First history and track record (pre-merger) Sep-18 -15.7 -46.2 3.8 FY10 FY11 FY12 FY13 FY14 Earning Per Share (Rs.) FY15 33.3 24.5 18.2 12.6 4.9 6.4 0.6 FY16 FY17 FY18 H1-19 31-Mar-10 31-Mar-11 20.8 31-Mar-12 Profit (Rs. Cr) 327 239 206 166 114 56 35 FY16 FY17 FY18 H1-19 72% 74% 78% 80% Cost to Income (%) 71% 59% 2 2 2 2 2 2 2 2 2 2 Market Cap (Rs. Cr) 10X Market Cap in 6 years 1,174 902 782 1,152 1,478 3,6343,937 7,628 Mcap reduced after merger 8,282 announcement 6,096 31-Mar-13 31-Mar-14 31-Mar-15 31-Mar-16 14 IDFC FIRST Bank 31-Mar-17 12-Jan-18 31-Mar-18 51% 51% 53% 48%

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