IDFC FIRST Bank Risk Management & Asset Quality
Analysis of Loans & Advances by nature of business (Personal vs Business finance)
Gross Loans & Advances (In Rs. Crore)
Retail Finance
Dec-22
Sep-23
86,121
1,04,603
Dec-23
1,11,397
YoY (%)
29.3%
- Home Loan
- Loan Against Property
- Vehicle Loans
- Consumer Loans
- Education Loans
- Credit Card
- Gold Loan*
- Others
Rural Finance*
SME & Corporate Finance
- of which CV/CE Financing*
- of which Business Banking*
- of which Corporate Loans
Infrastructure
17,783
21,257
21,126
18.8%
19,678
21,629
21,834
11.0%
13,893
17,842
18,206
31.0%
19,348
23,235
26,624
37.6%
750
1,761
1,989
165.1%
3,146
4,282
4,946
57.2%
162
563
775
379.0%
11,361
14,034
15,897
39.9%
16,248
22,828
23,955
47.4%
44,212
52,448
51,129
15.6%
3,023
4,934
5,115
69.2%
4,470
6,102
6,699
49.9%
25,373
29,324
28,152
11.0%
Total Gross Loans & Advances
5,572
1,52,152
3,356
1,83,236
2,994
-46.3%
1,89,475
24.5%
* 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, 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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IDFC FIRST
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