Capital First Strategy, Loan Growth and Profitability Trends
ASS
Rs. 53,871 Cr
Rs. 54,084 Cr
Particulars
Status of our achievements vis-à-vis Guidance provided at the time of the merger
Pre Merger
Mar-18
Post Merger
At merger
Sep-18
Dec-18
Guidance given at the time of
merger for FY24-FY25
Retail Funded Assets
Rs. 7,038 Cr
Rs. 9,916 Cr
Rs. 36,236 Cr
Rs. 100,000 Cr
Retail as a % of Total Funded
Assets
10%
13%
35%
70%
Wholesale Funded Assets
Dec-20
Status
Rs. 66,665 Cr
On Track
60%
On Track
Rs. 56,809 Cr
~Rs. 40,000 Cr
Rs. 34,809 Cr
On Track
- of which Infrastructure loans
Rs. 26,832 Cr
Rs. 23,637 Cr
Rs. 22,710 Cr
Nil in 5 years
Rs. 11,602 Cr
On Track
E
Top 10 borrowers as % of Total
T
18.75%
17.97%
12.8%
< 5%
6.3%
On Track
Funded Assets (%)
S
S
GNPA (%)
3.31%
1.63%
1.97%
2-2.5%
1.33%*
On Track
NNPA (%)
Provision Coverage Ratio (%)
1.69%
0.59%
0.95%
1.1.2%
0.33%*
On Track
50%
64%
52%
~70%
75%
On Track
*These figures include the impact of the Supreme Court notification to stop NPA classification post August 31, 2020 till further orders. Without this
impact the GNPA as on 31 December 2020 would have been 4.18% and the NNPA would have been 2.04%.
3
IDFC FIRST
BankView entire presentation