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Section 7: Successful Trajectory of Growth and Profits at Capital First Financial Performance: Trend of Cost of Income Ratio (yearly) The Cost to Income ratio, which was high at ~130% in the early stages of the company, reduced to <50% once the business model stabilized over the years. 128% 115% ~ 70-80% Cost to Income ratio (%) 78% 80% 72% 74% 71% < 50% 59% 53% 51% 51% 48% FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 H1-FY19 67 IDFC FIRST Bank

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