Capital First Strategy, Loan Growth and Profitability Trends
Section 4: The Bank continues to see strong growth in Retail Deposits. This has reduced
the dependence on wholesale deposits and has provided greater stability.
In Rs. Crore
Legacy Long Term Bonds
Infra Bonds
Refinance
- Legacy Portfolio
- New Portfolio
Other Borrowings
Total Borrowings (A)
CASA
Term Deposits*
Total Customer Deposits (B)
Certificate of Deposits (C)
Money Market Borrowings (D)
Borrowings + Deposits (A)+(B)+(C)+(D)
CASA % of Deposits
Customer Deposits as % of Borrowings + Deposits
*
Dec-19
Sep-20
Dec-20
QOQ %
YOY%
12,705
10,331
9,460
-8%
-26%
10,434
9,522
9,514
0%
-9%
13,478
10,566
8,297
-21%
-38%
2136
1349
601
-55%
-72%
11,342
9,217
7,696
-17%
-32%
15,196
11,310
8,997
-20%
-41%
51,812
41,729
36,267
-13%
-30%
16,204
30,181
40,563
34%
150%
38,427
39,187
36,726
-6%
-4%
54,631
69,368
77,289
11%
41%
12,720
5,399
6,673
24%
-48%
15,213
5,984
4,538
-24%
-70%
134,377
122,479
124,768
2%
-7%
24.06%
40.66%
40.37%
56.64%
48.31%
61.95%
Though the customer Term Deposits are Rs. 36,726 crores, the underlying composition of Terms Deposits have improved substantially. Retail Term Deposits were up 27% over
last year and Wholesale Term Deposits were reduced by 29% YOY, resulting in overall reduction of 4% YoY in Term Deposits.
Section 4: Update on Liabilities
45
IDFC FIRST
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