IDFC FIRST Bank: Quarterly Income and Business Overview
Section 4: Retail loans as a % of total loans has improved to 67% (including Retail PSL buyouts).
The Bank provides financing for prime home loans, affordable home loans, business banking, loan against property, car loans, consumer durables and
other such products to salaried and self-employed individuals and entities which is a large opportunity in India.
We have strong demonstrated capabilities on this front developed through greenfield efforts over the last 10 years and we have maintained high asset
quality, and consistently rising profitability over the years.
Retail Funded Assets
Wholesale Funded Assets (incl Inorganic Portfolio)
Rs. 73,051 Cr
Rs. 1,04,660 Cr
Rs. 1,10,400 Cr
90%
10%
65%
35%
63%
Total Funded Assets
Rs. 1,07,004 Cr
Rs. 1,17,127 Cr
37%
37%
46%
54%
63%
Mar-18
Dec-18
Mar-19
Mar-20*
Mar-21
The Bank inorganically acquired portfolio as PSL retail loans. Including this as part of Retail Loan Book, the Retail contribution to the overall Loan
Assets is 67% as of March 31, 2021.
Section 4: Assets Update
*Gross of Inter-Bank Participant Certificate (IBPC) transactions.
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