Capital First Strategy, Loan Growth and Profitability Trends
Section 4: Bank maintains strong overall Asset Quality, Retail Asset quality remains high
In Rs. Crore
GNPL
Provisions for GNPL
NNPL
GNPA (%)
NNPA (%)
Provision Coverage Ratio %
Dec-19
Mar-20
Jun-20
Sep-20
Dec-20
2,511
2,280
1,742
1,486
1,289
1,440
1,471
1,305
1,095
969
1,071
809
437
391
321
2.83%
2.60%
1.99%
1.62%
1.33%
1.23%
0.94%
0.51%
0.43%
0.33%
57.35%
64.53%
74.93%
73.69%
75.14%
•
As of Dec 31, 2020, the Gross NPA % of the Retail Loan Book was at 0.27% (as compared to 0.41% as of Sept 30, 2020) and Net NPA % of the
Retail Loan Book of the Bank was at 0.13% (as compared to 0.17% as of Sept 30, 2020).
The above figures include the impact of the Supreme Court notification to stop NPA post August 31, 2020 till further orders. Without this impact
the Proforma GNPA as on 31 December 2020 would have been 4.18% and the NNPA would have been 2.04%. For the retail loans, in the same
way, Proforma GNPA and NNPA would be 3.88% and 2.35%.
As of 31 Dec 2020, including retail and wholesale segment, the Bank's restructured pool (already approved and implemented) stood at 0.80% of
the total funded assets. Considering the loans where restructuring has been invoked and awaiting approval / implementation, it may go up to
1.8% 2.0% of the total funded assets by the end of next quarter.
•
Provision Coverage including the General Provision, COVID19 provision, Specific Provisions on NPAs was 309% on reported NPA and 99% on
Proforma NPA as of 31 Dec 2020 (without the SC order impact). Thus, the Bank is adequately provided for Proforma NPAs.
Section 4: Assets Quality
32
IDFC FIRST
BankView entire presentation