IDFC FIRST Bank Merger and Financial Overview
2.53
Improved indicators of Credit Quality in retail loans
Asset Quality
The Bank tracks its Asset Quality on a) Cheque Bounces on Portfolio b) Cheque bounces on new book c) collection on Cheque
Bounces d) Recovery on NPA accounts e) Vintage Analysis of the Book
Key quality Indicators showing improvement which points to lower delinquency and credit losses in future. We are improving on all
these points. The Bank is confident of meeting the guidance of 2:1:2, i.e. 2% GNPA, 1% NNPA and 2% of Credit Loss, in due course.
Early Bucket cheque Bounce Rates (on Principal Outstanding) is
back to Pre-Covid (Mar-20) Levels (x) for urban retail.
Early Bucket Collection Efficiency (urban retail) has surpassed pre
COVID levels (Feb 2020).
1.16
1.18
1.12
1.00
1.01 0.96
Mar-20 Sep-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22
Feb-20
Moratoorium
Sep-20
Dec-20
98.9%
89.2%
Mar-21
Jun-21
99.0%
98.6%
99.4% 99.5%
99.6%
97.5%
Sep-21
Dec-21
50
IDFC FIRST
Bank
Mar-22View entire presentation