IDFC FIRST Bank Risk Management & Asset Quality
Section 5: Market Opportunity
Retail, Rural & SME Loans: Growth Opportunity for IDFC FIRST Bank
IDFC FIRST Bank has built the requisite capabilities with continuous innovation going forward for capturing this large opportunity
provided by the Indian Banking Credit, esepcially for the Personal and SME business segments
Simulated growth of IDFC FIRST Bank's Retail, Rural and SME Book at different growth
rate in the next 20 years (Rs Lac cr)
@ 18% CAGR, Loan Book growth 27x
@ 20% CAGR, Loan Book growth 38x
27.95
23.30
19.41
16.18
@ 15% CAGR, Loan Book growth 16x
9.36
13.48
11.23
7.80
1.26 1.51
2.18
1.81
2.61
3.14
3.76
4.51
5.42
6.50
33.55
40.25
48.31
FY23 FY24 FY25
FY26 FY27 FY28
FY29
FY30 FY31 FY32 FY33 FY34 FY35 FY36 FY37 FY38
FY39 FY40 FY41 FY42 FY43
34.52
20.62
22
IDFC FIRST
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