Capital First Investor Presentation September 2018

Key Financial Highlights of Q1 FY24 (YoY movement) Section 2: Financial Highlights - Q1 FY24 Area Key Parameters Assets Loans & Advances Q1 FY23 US$ 16,788 Mn Q1 FY24 US$ 20,924 Mn Growth (%/bps) 25% Customer Deposits US$ 12,545 Mn US$ 18,107 Mn 44% Deposits CASA Ratio (%) 50.04% 46.47% -357 bps GNPA (%) - Bank level 3.36% 2.17% -119 bps - NNPA (%) Bank level 1.30% 0.70% -60 bps Asset Quality Provision Coverage Ratio - Bank 73.13% 83.12% 999 bps GNPA (%) - Retail, Rural & SME 2.12% 1.53% -59 bps NNPA (%) - Retail, Rural & SME 0.93% 0.52% -41 bps Profit/(Loss) After Tax US$ 58 Mn US$ 93 Mn 61% Profitability ROA% 0.97% 1.26% 29 bps RoE% 8.96% 11.78% 282 bps Capital Capital Adequacy Ratio (%) 15.77% 16.96% 7 119 bps 1. Total Loans & Advances (incl credit substitutes are Net of IBPC 2. Provision Coverage ratio includes technical write-offs US$ amounts are converted based on exchange rate of US$ 1 = Rs. 82.00 IDFC FIRST Bank

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