Investor Presentaiton
Section 4: Maintaining Strong Asset Quality overall, Retail Asset quality remains high
In Rs. Crores
GNPL
Provisions for GNPL
NNPL
GNPA (%)
NNPA (%)
Provision Coverage Ratio %
Mar-19
Jun-19
Sep-19
Dec-19
Mar-20
2,136
2,419
2,306
2,511
2,280
1,029
1,203
1,294
1,440
1,471
1,107
1,216
1,012
1,071
809
2.43%
2.66%
2.62%
2.83%
2.60%
1.27%
1.35%
1.17%
1.23%
0.94%
48.18%
49.76%
56.12%
57.34%
64.53%
The Gross NPA and Net NPA for the Bank without considering the moratorium impact would have been 2.88% and 1.14%.
As of 31 March 2020, after considering the moratorium impact, the Gross NPA % of the Retail Loan Book was at 1.77% (as compared to 2.26% as
of 31 December 2019) and Net NPA % of the Retail Loan Book of the Bank was at 0.67% (as compared to 1.06% as of 31 December 2019).
The Gross NPA and Net NPA of Retail Assets without considering the moratorium impact would have been 2.22% and 0.99% respectively.
Most of the Retail Loan Book have come from the Capital First business model where the asset quality trends have been consistently good (GNPA
~2%, NNPA ~1%) over the 8 years of operation and marginal movements quarter on quarter even out over time.
26
IDFC FIRST
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