IDFC FIRST Bank Risk Management & Asset Quality
c. Wholesale Financing
Bank has reduced concentration risk in Wholesale lending
The Bank has reduced its corporate (non-infra) book from 29% in Mar-
19 to 15% in Dec-23
Section 9: Risk Management & Asset Quality
Similarly, the Bank has reduced its infrastructure financing portfolio
from 19% in Mar-19 to 1.6% in Dec-23
29%
22%
19%
18%
16%
15%
19%
14%
9%
5%
3%
2%
Mar-19 Mar-20 Mar-21 Mar-22 Mar-23
Dec-23
Also, the exposure to top 20 single borrowers reduced from 16% in
Mar-19 to 6% in Dec-23
Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Dec-23
Further, the exposure to top 5 industries also reduced from 41% Mar-19
to 19% in Dec-23 which has further strengthened the balance sheet.
16%
13%
12%
9%
7%
6%
41%
35%
27%
24%
22%
19%
lliii
Mar-19 Mar-20 Mar-21 Mar-22 Mar-23 Dec-23
Mar-19
Mar-20 Mar-21 Mar-22
Mar-23
Dec-23
55
IDFC FIRST
BankView entire presentation