Profitability & Capital Adequacy Presentation
The Bank is performing well on the guidance given for FY 25 at the time of the merger
Dec-18
Particulars
Guidance for FY24-FY25
(At Merger)
Sep-23
Last quarter
Status
CET - 1 Ratio
Capital
Capital Adequacy (%)
16.14%
>12.5 %
13.49%¹
On Track
16.51%
>13.0 %
16.54%¹
On Track
Liability
CASA as a % of Deposits (%)
Branches (#)
CASA + Term Deposits<5 crore (% of Customer Deposits)
Certificate of Deposits of % of total deposits & borrowings
Quarterly Avg. LCR (%)
Retail, Rural and SME Finance (Net of IBPC)
8.7%
30% (FY24),
50% thereafter
46.4%
On Track
206
800-900
862
On Track
39%
85%
81%
On Track
17%
<10% of liabilities
3%
Achieved
123%
>110%
122%
On Track
Rs. 36,927 Cr
Rs. 100,000 Cr
Rs. 1,46,783 Cr
Achieved
Retail, Rural and SME Finance as a % of Total Loans & Advances
35%
70%
80%
Achieved
Assets
Wholesale Loans & Advances²
Rs. 56,770 Cr
< Rs. 40,000 Cr
Rs. 32,679 Cr
Achieved
- of which Infrastructure loans
Rs. 22,710 Cr
Nil in 5 years
Rs. 3,356 Cr
On Track
1. Including the equity from capital raised in 1st week of October 2023, CET-1 and total CRAR would be 15.01% and 18.06% respectively.
2. Excluding Security Receipts, Loan converted into Equity, RIDF and PTC.
Some new guidance has been included for greater clarity. No guidance given at the time of the merger has been amended
No guidance provided earlier for these parameters
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