Capital First Investor Presentation September 2018

h. Capital Adequacy Ratio Capital Adequacy Ratio is strong at 16.96% as on June 30, 2023 In US$ Million Common Equity Tier 2 Capital Funds Total Capital Funds Total Risk Weighted Assets CET-1 Ratio (%) Total CRAR (%) Jun-22 Section 8: Profitability & Capital Mar-23 Jun-23 2,539 3,026 3,126 319 559 745 2,858 3,585 3,870 18,122 21,312 22,821 14.01% 14.20% 13.70% 15.77% 16.82% 16.96% • The Bank is well capitalized for growth in future. • The Operational Risk is re-assessed at the beginning of every year, which impacted CET-1 ratio by ~44bps 59 IDFC FIRST Bank

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