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. LINES OF BUSINESS: Capital First provided financing to select segments that are traditionally underserved by the existing financing system . • By staying focused on a specific niche (small entrepreneurs and Indian consumers), the company avoided competing with traditional large players. Capital First provides financing to select segments that are traditionally underserved by the existing financing system. • Traditionally these end uses are underserved by the financial system as ticket sizes are small, credit evaluation is difficult, collections is difficult, and business is often unviable owing to huge operating and credit costs. Loans for Plant & Machinery Loans for office display panels Loans for Business Expansion MSMES Consumers Loans for Air- Conditioners Section 7: Business Areas of Focus Loans for Office Automation - PCs, Laptops, Printers Short Term Business funding Loans for Two Wheeler purchase Loans for Office Furniture 71 IDFC FIRST Bank

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