Capital First Investor Presentation September 2018
We are happy to say that the Bank is performing well on the guidance given at
the time of the merger.
Particulars
Top 10 borrowers as % of Total Loans & Advances (%)
Dec-18
Jun-23
Guidance for FY24-FY25
Status
(At Merger)
Last quarter
12.8%
< 5%
2.7%
Achieved
1.97%
2.0% -2.5%
2.17%
On Track
0.95%
1.0% 1.2%
0.70%
On Track
~70%
83%
On Track
3.10%
5.0% - 5.5%
6.33%¹
Achieved
55%
71.94%
Estimated to drop to 65%
by Q4-FY25
-3.70%
1.4-1.6%
1.26%
On Track
GNPA (%)
Asset Quality
NNPA (%)
Provision Coverage Ratio³ (%)
53%
Net Interest Margin (%)
Cost to Income Ratio² (%)
81.56%
Profitability
Return on Asset (%)
Return on Equity (%)
1. Gross of IBPC & Sell-down
2. Excluding Trading Gains
3. Including technical write-offs.
Note: Earnings for Dec-18 are for the quarter, NIM, ROA, ROE are annualized for the corresponding quarter.
-36.81%
13-15%
11.78%
On Track
83
IDFC FIRST
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