IDFC FIRST Bank Merger Performance and Strategy Update
Analysis of Loans & Advances by nature of business (Personal vs Business finance)
Gross Loans & Advances (In Rs. Crore)
Consumer Finance (Personal Finance)
Jun-22
Mar-23
Jun-23
YoY (%)
QoQ (%)
76,407
91,027
97,327
27%
7%
- Home Loan
- Loan Against Property
- Wheels
- Consumer Loans
- Education Loans
- Credit Card
- Gold Loan*
15,352
19,552
20,139
31%
3%
18,631
20,199
20,103
8%
0%
11,263
14,823
16,365
45%
10%
19,410
19,886
22,329
15%
12%
269
933
1,285
378%
38%
2,315
3,510
3,893
68%
11%
88
256
363
312%
41%
- Others
9,078
11,867
12,850
42%
8%
Rural Finance*
14,223
19,181
20,744
46%
8%
SME & Corporate Finance (Business Finance)
40,294
45,728
49,749
23%
9%
- of which CV/CE Financing*
2,040
3,668
4,247
108%
16%
- of which Business Banking*
3,516
5,073
5,354
52%
6%
- of which Corporate Loans
23,970
25,894
27,662
15%
7%
Infrastructure
Total Gross Loans & Advances
6,739
137,663
4,664
160,599
3,758
-44%
-19%
171,578
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.
2.
3.
The figures above are net of Inter-Bank Participant Certificate (IBPC) transactions & includes credit substitutes
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.
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