Profitability & Capital Adequacy Presentation
d. Summary of Deposits & Borrowings
Section 6: Deposits & Borrowings
Deposits & Borrowings Details
The Bank has grown its deposits by 44% YOY driven by the retail deposits which was utilized for growth of assets and repayment
of the legacy borrowings. Borrowings (excluding money market borrowings) reduced by 11% YOY.
Particulars (in Rs Cr)
Legacy Long Term Bonds
Legacy Infrastructure Bonds
Sep-22
Jun-23
Sep-23
YoY growth
6,508
6,148
6,129
-6%
7,742
6,901
5,908
-24%
Refinance
Other Borrowings
Tier II Bonds
Total Borrowings (A)
CASA Deposits
Term Deposits
Total Customer Deposits (B)
Certificate of Deposits (C)
20,109
19,910
18,694
-7%
4,749
4,297
1,109
-77%
1,500
4,500
4,500
200%
40,609
41,756
36,340
-11%
63,305
71,765
79,468
26%
50,700
76,709
85,258
68%
1,14,004
1,48,474
1,64,726
44%
9,438
5,953
6,510
-31%
Money Market Borrowings (D)
16,034
13,985
16,826
5%
Borrowings & Deposits (A) + (B) + (C) + (D)
1,80,085
2,10,168
2,24,401
25%
CASA Ratio (%)
51.3%
46.5%
46.4%
-487bps
Average CASA Ratio % (On Daily Average Balance for the Quarter)
49.2%
45.7%
45.0%
-420bps
31
IDFC FIRST
BankView entire presentation