Investor Presentaiton

Section 7: Successful Trajectory of Growth and Profits at Capital First Financial Performance: the ROE of the Company increased over the years as a result of transformation Yearly Return on Equity (%) Note: RoE for Q4-FY18 (quarterly annualized) was 15% and trending consistently upwards. New Management took over in 2010 -2.12% -3.92% -4.44% -6.08% 0.47% 4.93% 3.63% 14.51% 13.31% 11.93% 10.14% 8.33% FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 H1-FY19 Note: FY13 onwards, the Company amortized securitization income. Prior periods are normalized for such items for consistency to arrive at normalized profitability 64 IDFC FIRST Bank

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