Capital First Strategy, Loan Growth and Profitability Trends
Section 7: Successful Trajectory of Growth and Profits at Capital First
This page is an extract from Capital First investor Presentation of September 2018, which is the last quarter prior to merger. Presented
here to demonstrate the capability of the core loan book and the track record of growth and profitability.
Rigorous Credit Underwriting Process helped in maintaining high asset quality
100
2-3 X
38-40 X
In the Mortgages business at Capital First, about 38% of
the total applications were disbursed after passing
through several levels of scrutiny and checks, mainly
centred around cash flow evaluation, credit bureau and
reference checks. Most rejections were because of the
lack of visibility or inadequate cash flows to service the
2-4 X loan.
5-7 X
10-12X
Application Logged in CIBIL / Credit Bureau
Rejection
Section 7: Business Areas of Focus
Rejection Due to
Insufficient Cashflow
/ Documentation
Rejection after
Personal Interview
38
Rejection due to
Legal & Technical
Reasons
Rejection for Other
Net Disbursals
Reasons
74
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