Capital First Strategy, Loan Growth and Profitability Trends
Section 4: CASA Ratio has improved rapidly over last quarters since merger to reach
48.31%
CASA Ratio is computed in terms of CASA as a percentage of Total deposits (CASA+ Certificate
of Deposits+ Term Deposits). Consistent growth in CASA and decreasing dependency on
Certificate of Deposits and Wholesale Term Deposit has helped the Bank to improve its CASA
ratio significantly.
CASA
Total Deposits
STRONG GROWTH IN CASA RATIO
40.37%
33.74%
31.87%
48.31%
24.06%
18.70%
14.57%
11.40%
8.68%
31 Mar 20
30 Jun 20
31 Dec 18 31 Mar 19 30 Jun 19 30 Sep 19 31 Dec 19
30 Sep 20 31 Dec 20
Note: The figure as of 31 Dec 2020 is excluding CASA deposits of Rs. 332 crore from NHB which was raised under special high rate scheme. This has now been reduced at our
standard rack rate. The Bank now has no special schemes for large ticket saving balance and in fact disincentivises such large deposits by keeping the interest offering low.
Including this, the CASA to total deposits ratio would have been 48.51%.
Section 4: Update on Liabilities
43
IDFC FIRST
BankView entire presentation