IDFC FIRST Bank Merger Performance and Strategy Update
Break-down of asset quality by business components.
Retail has least Gross NPA and Net NPA for over a decade
Segment
Retail, Rural and SME
Finance
Corporate
(Non-Infrastructure)
Infrastructure
Financing
|| 3,571
Overall Bank Level
Bank (Excl Infra.)
26,101
Gross Advances Breakup
Section 7: Risk Management & Asset Quality
Gross NPA
Net NPA
PCR%
1,36,066
1.53%
0.52%
83.93%
2.65%
0.03%
99.42%
23.27%
13.83%
60.94%
1,65,738
2.17%
0.70%
83.12%
1,62,167
1.71%
0.44%
87.52%
The significant and growing part of the book, i.e. the Retail, Rural and SME business financing business has low NPA levels because of high-quality underwriting, credit
bureaus, technology, cash-flow based lending capabilities. Asset Quality in the Corporate Book too is strong with adequate PCR of 99.42%.
We expect infrastructure book to wind down in due course, hence the Bank level NPA excluding Infrastructure at 1.71% and 0.44% is relevant point to note.
Provision coverage ratio is including technical write-offs.
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IDFC FIRST
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