Investor Presentaiton
Section 4: Retail loans as a % of total loans has quickly improved
The Bank proposes to follow the strategy guided earlier, where we advised we will improve the retail proportion of the overall loan assets by building the
retail loan book going forward. The same strategy was followed by Capital First during its existence of 9 years.
Retail Funded Assets
Wholesale Funded Assets (incl Inorganic Portfolio)
Total Funded Assets
Rs. 73,051 Cr
10%
Rs. 75,337 Cr
13%
65%
90%
87%
Rs. 1,04,660 Cr
Rs. 1,10,400 Cr
Rs. 1,09,698 Cr
Rs. 1,07,004 Cr
35%
37%
51%
63%
49%
46%
Mar-18
Sep-18
(Before Merger)
Dec-18
(After Merger)
Mar-19
Dec-19*
Including inorganic acquired portfolio (mostly PSL) where the underlying assets are retail loans, the Retail
contribution to the overall Loan Assets is 61% as of 31 March 2020.
*The figures above are gross of Inter-Bank Participant Certificate (IBPC) transactions.
Mar-20*
54%
20
IDFC FIRST
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