IDFC FIRST Bank Merger and Financial Overview
Overall Asset quality (retail + commercial + wholesale) of the bank continues
to improve every quarter
Asset Quality
-GNPA
NNPA
At Bank Level
4.61%
4.15%
2.83%
1.23%
4.27%
3.96%
3.70%
2.32%
2.09%
1.86%
1.74%
1.53%
Dec-19
Mar-21
(Pre-Covid)
(Post Covid 1.0)
Jun-21
(Covid 2.0)
Sep-21
(Covid 2.0)
Dec-21
(Covid 3.0)
Mar-22
PCR%*
58.14%
63.57%
*Includes technical write-offs
61.06%
63.00%
67.16%
70.29%
•
The Asset Quality of the Bank has improved
as compared to last quarter driven by the
improvements in retail, commercial and
corporate segments.
• PCR of the Bank excluding technical write-offs
improved by 331 bps to 59.54% as on March
31, 2022 as compared to 56.23% as on March
31, 2021.
• PCR including technical write-offs and
excluding one large legacy road infrastructure
account (toll) which moved to NPA in Q1-FY22
was at 77% as on March 31, 2022
• Without the one legacy infrastructure (toll)
NPA account as mentioned earlier, the GNPA
and NNPA would have been 3.04% and 1.02%
48
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