Capital First Investor Presentation September 2018
c. Diversification of Deposits
Section 5: Deposits & Borrowings
Bank has Diversified its liabilities base: 77% of customer deposits are now Retail
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The Bank has transformed the liability profile in 4 years from wholesale to retail, in order to diversify the deposit base.
The Retail wholesale Deposits mix has changed from 27: 73 in Dec-18 to 77: 23 in Jun-23.
Strong growth in retail deposits has significantly reduced dependency of the Bank on the wholesale deposits.
Certificate of Deposits (short term money) has come down from US$ 3,507 Mn as of March 31, 2019 to US$ 726 Mn as of June 30, 2023.
During this period, the customer deposit base grew from US$ 4,940 Mn to US$ 18,107 Mn.
73%
27%
41%
59%
23%
Overall Customer Deposits
77%
27%
73%
24%
76%
23%
77%
Dec-18
US$ 4,690 Mn
Mar-20
US$ 7,039 Mn
Mar-21
US$ 10,088 Mn
Mar-22
US$ 11,368 Mn
Mar-23
US$ 16,684 Mn
Jun-23
US$ 18,107 Mn
Retail Deposits
Wholesale Deposits
25
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