Capital First Investor Presentation September 2018
Analysis of Loans & Advances by nature of business (Personal vs Business finance)
Gross Loans & Advances (In US$ Million)
Consumer Finance (Personal Finance)
Jun-22
Mar-23
Jun-23
YoY (%)
QoQ (%)
9,318
11,101
11,869
27%
7%
- Home Loan
- Loan Against Property
- Wheels
- Consumer Loans
- Education Loans
- Credit Card
- Gold Loan*
1,872
2,384
2,456
31%
3%
2,272
2,463
2,452
8%
0%
1,374
1,808
1,996
45%
10%
2,367
2,425
2,723
15%
12%
33
114
157
378%
38%
282
428
475
68%
11%
11
31
44
312%
41%
- Others
1,107
1,447
1,567
42%
8%
Rural Finance*
1,735
2,339
2,530
46%
8%
SME & Corporate Finance (Business Finance)
4,914
5,577
6,067
23%
9%
- of which CV/CE Financing*
249
447
518
108%
16%
- of which Business Banking*
429
619
653
52%
6%
- of which Corporate Loans
2,923
3,158
3,373
15%
7%
Infrastructure
Total Gross Loans & Advances
822
16,788
569
19,585
458
20,924
-44%
-19%
25%
7%
* Rural Finance, CV/CE Financing, Business Banking, Gold Loans, Home Loans (< Rs. 30 Lacs) largely contribute to the PSL requirements of the Bank and hence are focus areas
1.
The figures above are net of Inter-Bank Participant Certificate (IBPC) transactions & includes credit substitutes
2.
3.
Lending to commercial banking businesses and SMEs through working capital loans, business banking, commercial vehicle, trade advances, term loans, security receipts, loan converted to equity etc. have been combined with
corporate banking as these are all pertaining to financing businesses.
Home Loans, vehicle finance, education loans, gold loans, credit cards, car loans etc have been combined under Retail banking as this represents financing to individuals. Loan against property has been retained as part of retail
banking as is the convention in the banking system reporting.
4.
Others include digital lending, revolving credit, retail portfolio buyout etc.
85
IDFC FIRST
BankView entire presentation