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.
Since 2010, the company has consistently stayed with the founding theme of financing entrepreneurs,
MSMEs and consumers through the platform of technology & has grown the retail franchise
A highly diversified portfolio across 600 industries and over 70 lakh customers
Retail Loan Assets becoming 91% of the Overall Loan Assets
*As per Ind - AS
Rs. 32,622 Cr*
$ 4.47 bn
Rs. 26,997 Cr
$ 4,15 bn
9%
This transformation & diversification has resulted in high asset quality, consistency of growth, and
sustained increase in profits.
Rs. 19,824 Cr
$ 3.05 bn
6%
Retails loans
Rs. 16,041 Cr
Real Estate & Corporate Loans
Total AUM
$ 2.47 bn
7%
94%
Rs. 11,975 Cr
$ 1.84 bn
14%
Rs. 9,679 Cr
$ 1.49 bn
16%
Rs. 7,510 Cr
$ 1.16 bn
19%
86%
84%
Rs. 6,186 Cr
$ 0.95 bn
26%
81%
Rs. 2,751 Cr
74%
Rs. 935 Cr
$ 0.42 bn
$ 0.14 bn
44%
56%
28%
10%
72%
93%
91%
As a result, the growth in the net profit of the Company has outpaced the growth of the
loan book demonstrating increased efficiency in use of capital. The company plans to
continue to build in this strategic direction and aims to grow the loan book at a CAGR of
25% over the next three years.
FY10
FY11
FY12
FY13
FY14
FY15
Section 7: Transformation into a Retail Franchise
FY16
FY17
FY18
Q2 FY19
69
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