IDFC FIRST Bank Risk Management & Asset Quality
d. Summary of Deposits & Borrowings
Section 7: Deposits & Borrowings
Deposits & Borrowings Details
The Bank has grown its deposits by 43% YOY driven by the retail deposits which was utilized for growth of assets and repayment
of the legacy borrowings.
Particulars (in Rs Cr)
Dec-22
Sep-23
Dec-23
YoY growth
Legacy Long Term Bonds
Legacy Infrastructure Bonds
Refinance
Other Borrowings
Tier II Bonds
Total Borrowings (A)
CASA Deposits
Term Deposits
Total Customer Deposits (B)
Certificate of Deposits (C)
6,511
6,129
6,030
-7%
7,542
5,908
5,899
-22%
20,227
18,694
17,538
-13%
2,064
1,109
2,075
1%
3,000
4,500
4,500
50%
39,343
36,340
36,042
-8%
66,498
79,468
85,492
29%
57,080
85,258
90,990
59%
1,23,578
1,64,726
1,76,481
43%
9,460
6,510
6,068
-36%
Money Market Borrowings (D)
15,063
16,826
9,067
-40%
Borrowings & Deposits (A) + (B) + (C) + (D)
1,87,444
2,24,401
2,27,658
21%
CASA Ratio (%)
50.0%
46.4%
46.8%
-315
Average CASA Ratio % (On Daily Average Balance for the Quarter)
50.0%
45.0%
45.7%
-431
36
IDFC FIRST
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