Capital First Investor Presentation September 2018

Pre merger - Proforma Financials of IDFC Bank and Capital First - P&L (H1 FY19) In US$ Million Loans & Advances / AUM Net-Worth NII Fees & Other Income Treasury Income Total Income Opex PPOP Provisions PBT Key Ratios NIM % RoA at PBT level % ROE % (at normalized level) Erstwhile IDFC Bank (H1 FY 19) Erstwhile Capital First (H1 FY 19) Proforma Total (H1 FY 19) 9,187 3,978 13,165 1,802 357 2,159 111 139 251 31 19 50 4 0 4 146 158 304 135 75 210 11 83 94 69 44 113 -57 39 -19 Cost to Income Ratio % Note: IDFC Bank and Capital First Limited (CFL) were in IGAAP and IND-AS respectively in H1-FY19 1.56% 8.20% 2.85% (0.75%) 2.26% (0.20%) (4.18%)* 14.51% (1.21%) 92.41% 47.52% 69.09% 96 IDFC FIRST Bank

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