Investor Presentaiton

Section 4: Since Retail Loans model imported from Capital First is a large and growing part of the total loan book of the bank, we present asset quality trends over the last 8 years at Capital First as below Since most of the loan book in the merged entity has been built and seasoned in Capital First prior the merger and the same model is being scaled up now, we present below the asset quality trends of the book in Capital First which have stayed continuous steady over the years, i.e. Gross NPA ~2% and Net NPA ~1%. The portfolio remained stable even after being stress tested through economic slowdown in 2010-2014, demonetization (2016), GST implementation (2017) and economic slowdown in recent times. Hence gives us confidence to grow in future on this strong asset quality model. 5.28% CFL-GNPA CFL-NNPA 3.78% Demonetization Nov 8th 2016 GST Launched July 1st 2017 1.74% 1.21% 1.71% 1.52% 1.59% 1.65% 1.72% 1.63% 1.59% 1.62% 1.57% 1.13% 0.97% 1.00% 1.00% 1.04% 1.00% 0.97% 1.00% 1.00% " 31-Mar-10 31-Mar-16 30-Jun-16 30-Sep-16 31-Dec-16 31-Mar-17 30-Jun-17 30-Sep-17 31-Dec-17 31-Mar-18 30-Jun-18 Note: NPA recognition norm migrated to 90 dpd effective from 01 April, 2017. 28 IDFC FIRST Bank

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