Sustainable Banking: Integrating ESG with Business, Risk & Operations
1a
Fortified Liability Franchise with Focus on Retailisation of Deposits
Robust Deposit Growth Driven by Retail & CASA
~81% of incremental deposits from retail & CASA (Rs.cr)
21,722 3,15,532
24,381 i
67,403
20%
I
CAGR
2,02,026
Deposits Retail LCR
CASA*
Others Deposits
(Mar-20) Deposits
(Sep-22)
*excludes CASA considered as part of Retail LCR Deposits
Scaled up New Initiatives (Rs.cr)
Mar-20 Mar-21 ■Mar-22 ■Sep-22
23,175
38,669
28,358
19,506
Ramped up Client Acquisition
NTB CASA & Retail TD Acquisition (#)
Continue Investment in Distribution Network
Narrowing Differential with Large Peers
536
2,265
2,320
396
2,015
1,911
289
100
Q4FY20 Q4FY21 Q4FY22 Q2FY23
Mar-20
Mar-21 Mar-22
Sep-22
Indexed to Q4FY20
Moderating Cost of Deposits (%)
Reduced Concentration of Deposits
6.8%
6.1%
5.0%
5.1%
4.6%
Top-20 Deposits as % of Total Deposits
23%
17%
Q4FY19 Q4FY20 Q4FY21 Q4FY22 Q2FY23
Mar-20
Sep-22
Affluent Deposits
NRI Deposits
17
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