Capital First Investor Presentation September 2018

Key Financial Highlights of Q1 FY24 (QoQ movement) Section 2: Financial Highlights - Q1 FY24 Area Key Parameters Q4 FY23 Assets Loans & Advances US$ 19,585 Mn Q1 FY24 US$ 20,924 Mn Growth (%/bps) 7% Customer Deposits US$ 16,684 Mn US$ 18,107 Mn 9% Deposits CASA Ratio (%) 49.77% 46.47% -330 bps GNPA (%) - Bank level 2.51% 2.17% -33 bps - NNPA (%) Bank level 0.86% 0.70% -15 bps Asset Quality Provision Coverage Ratio - Bank 80.29% 83.12% 283 bps GNPA (%) - Retail, Rural & SME NNPA (%) - Retail, Rural & SME 1.65% 1.53% -12 bps 0.55% 0.52% -3 bps Profit/(Loss) After Tax US$ 85 Mn 3 US$ 93 Mn 9% Profitability ROA% 1.23% 3 1.26% 3 bps RoE% 12.30% 3 Capital Capital Adequacy Ratio (%) 16.82% 11.78% 4 16.96% -52 bps 14 bps 1. Total Loans & Advances includes credit substitutes and are Net of IBPC; 2. Provision Coverage ratio includes technical write-offs; 3. Adjusting for one-time items already called out in Q4 '23 4. ROE for Q1 FY24 impacted by ~60bps on account of equity capital raised of US$ 268 Mn during last week of March 2023. US$ amounts are converted based on exchange rate of US$ 1 = Rs. 82.00 8 IDFC FIRST Bank

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