IDFC FIRST Bank: Quarterly Income and Business Overview
1
3
Section 4: Granularization of the Customer Deposits through quality liability franchise
As part of the granularization, the Bank increased its Deposits
with balance Rs. 5 crore and less, as % of total customer deposits,
from 28% (Mar-18) to 82% (Mar-21)
82%
59%
37%
28%
31%
Mar-18
Dec-18
Mar-19
Mar-20
Mar-21
The Bank reduced the top 20 borrowers' concentration as % of
customer deposits from 42.0% (Mar-18) 7.7% (Mar-21), thus
curtailing the concentration risk
42.0%
40.0%
35.4%
20.4%
7.7%
2
4
Similarly, the Bank increased Deposits with balance Rs. 1 crore
and less, as % of total customer deposits, from 18% (Mar-18) to
62% (Mar-21)
62%
41%
25%
18%
21%
Mar-18
Dec-18
Mar-19
Mar-20
Mar-21
The Bank reduced the Top 10 borrowers' concentration as % of
customer deposits from 28.6% (Mar-18) to 5.5% (Mar-21) on
similar lines
28.6%
28.7%
25.2%
14.5%
5.5%
31 Mar 18 31 Dec 18 31 Mar 19 31 Mar 20 31 Mar 21
Section 4: Update on Liabilities
31 Mar 18 31 Dec 18
31 Mar 19
31 Mar 20
31 Mar 21
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IDFC FIRST
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