IDFC FIRST Bank Risk Management & Asset Quality
Section 8: Loans & Advances
The Bank has diversified its loan book across more than 20 business lines
Emerging Enterprises Financial Institutions
5%
Large Corporate 1%.
Other SME Loans 5%
Gold Loans 0.41%.
Other Retail Loans 8%
8%
Other Corporates 2%
Infrastructure Financing
1.58%
Loan Book: December 31, 2023
Rs. 1,89,475 crore
28% Mortgage^
backed Loans
Credit Card 3%.
Education Loans 1%.
Consumer Loans
14%
Rural Finance 11%
Vehicles 10%
Commercial Vehicles
3%
^ Mortgage constitutes 11% Home loans, 12% Loan Against Property, 4% Business Banking loans and 1% KCC.
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Other SME Loans consists of Loans to small business owners and entrepreneurs through products like business installment loans, micro business loans, trade advance etc with most loans < Rs. 5 crore.
Loans & Advances are net of IBPC and include advances & credit substitutes; Consumer Loans include personal loans, and consumer durable loan.
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Other Retail Loans include digital lending, revolving credit, retail portfolio buyout etc.
•
Commercial Vehicles Financing includes Construction Equipment
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