Capital First Strategy, Loan Growth and Profitability Trends
•
•
•
Section 4: Retail loans as a % of total loans has improved to 65% (including PSL buyouts).
The Bank proposes to follow the strategy guided earlier - building strong capabilities on financing consumers, MSMEs, small businesses and other
retail loans which is a large opportunity in India.
This is a crying social need in India for credit as large part of India is underserved. This is also in line with our mission statement.
We have strong capabilities on this front, and aligned with our cost of funds, and the portfolio is diversified.
Retail Funded Assets
Wholesale Funded Assets (incl Inorganic Portfolio)
Total Funded Assets
Rs. 73,051 Cr
Rs. 75,337 Cr
Rs. 1,04,660 Cr
Rs. 1,10,400 Cr
Rs. 1,09,698 Cr
Rs. 1,07,004 Cr
Rs. 1,06,828 Cr
Rs. 1,10,469 Cr
(on merger)
10%
13%
65%
90%
87%
35%
63%
37%
40%
51%
49%
46%
44%
54%
56%
60%
Mar-18
Sep-18
Dec-18
Mar-19
Dec-19*
Mar-20*
Sep-20
Dec-20
The inorganically acquired portfolio, through various modes like direct assignments, buyouts, PTC for mostly PSL purposes, has the
underlying assets as retail loans. Including this as part of Retail Loan Book, the Retail contribution to the overall Loan Assets is 65%
as of Dec 31.
The figures above are gross of Inter-Bank Participant Certificate (IBPC) transactions.
25
Section 4: Assets Update
IDFC FIRST
BankView entire presentation