IDFC FIRST Bank Risk Management & Asset Quality slide image

IDFC FIRST Bank Risk Management & Asset Quality

• Credit-Deposit ratio At the time merger the bank had high Credit to Deposit ratio (CD ratio) because it was largely funded with bonds & borrowings. Bonds and borrowings are equally stable money as deposits, as they are repayable only on maturity dates. The bank has been continuously raising more deposits than loans disbursed on an incremental basis which is continuously reducing the CD ratio. 137.0% 134.8% Incremental CD ratio for 9M-FY24 is 79.89% 124.9% 117.0% 114.5% 107.0% Dec-18 Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 101.4% Dec-23 38 IDFC FIRST Bank
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