Capital First Strategy, Loan Growth and Profitability Trends
Section 4: Together, the Consumer and SME business has a rich history of 10 years with
stable growth and high Asset quality.
•
•
Capital First focused on growing the SME Loans including LAP, Consumer Loans and Housing Loans
The retail loan book of erstwhile Capital First sustainably grew at CAGR of 35% over last 5 years and CAGR of
96% over last 8 years since 2010 to reach Rs. 29,625 crore from Rs. 94 crore in 2010.
Erstwhile IDFC Bank which started its retail loan
book in 2016, primarily focused on prime home
loans and rural micro finance
Given the opportunity in the retail financing in
India and our skillsets and capabilities in this
space, we are confident that we can sustain the
growth of this business at ~ 25% over the next
many years.
PRE MERGER HISTORY*
All amounts are in Rs. crore unless specified
GROWTH CONTINUES POST
MERGER OF THESE BUSINESSES
ON BANK PLATFORM
$
Y-o-Y Increase by Rs. 12,980 crore, growth of 24%
66,665
59,860
57,310 56,043
53,685
39,233
40,812
CAPITAL FIRST+IDFC BANK
36,236
32,281
IDFC FIRST Bank
20,634
Erstwhile IDFC Bank
13,876
Erstwhile CFL
10,113
7,883
5,560
3,460
94
771
Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Sep-18 Dec-18 Mar-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20
*Gross of loans assignment
$Net of loan assignment
Section 4: Assets Update
26
IDFC FIRST
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