Highlights of Q3 FY22 Results

FY14 FY15 128% 115% FY16 FY17 Erstwhile Capital First had a history of strong growth and profitability. Background Capital First was a successful NBFC, growing its loan book and net profits at a 5 year CAGR of 29% and 56% respectively, with stable asset quality of Gross NPA of <2% and Net NPA of <1% for nearly a decade. Strong growth in AUM Wholesale AUM Retail AUM Retail AUM increased from 10% to 90% 935 Total AUM 32,623 26,997 19,824 16,041 11,975 6,186 7,510 9,679 2,751 FY14 FY15 FY16 Cost to income came down to <50% with scaling up of business 78% 80% 72% 74% 71% 59% 51% 51% 53% 48% FY17 FY18 Sep-18 Continuous Increase in Return on Equity (%) 0.5% Consistent growth in RoE 3.6% 4.9% 8.3% 10.111.9% 13.3% 14.5% FY18 H1-FY19 -2.1% -6.1% FY10 I FY11 ! FY12 FY13 FY14 FY15 FY16 FY17 FY18 6T-TH 31-Mar-10 31-Mar-11 -15.7 -46.2 1,174 902 10X Market Cap in 6 years 782 1,152 1,478 3,634 3,937 31-Mar-12 31-Mar-13 31-Mar-14 31-Mar-15 FY13 FY14 3.8 FY15 Section 2: Creation (Rs. Cr) 5 Yr PAT CAGR of 56% 5 Year CAGR of 56% 56 35 114 166 FY16 FY17 10X growth in the Market Cap in 6 years merger Mcap fell after announcement 8,282 7,628 31-Mar-16 16 IDFC FIRST Bank 31-Mar-17 12-Jan-18 31-Mar-18 6,096 FY18 H1-19 327 239 206 of IDFC FIRST Bank

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