IDFC FIRST Bank Merger Performance and Strategy Update
b. Retail, Rural & SME Loans
Section 7: Risk Management & Asset Quality
Collection Efficiency maintained at more than 99% level consistently over the last 24 months
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The Current Bucket Collection % continues to be high at 99.5%
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Thus only 0.5% of the portfolio moves to 0-30 bucket.
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This in turn feeds into low Gross and Net NPA at the Bank
Definition: Collection Efficiency % = (Total EMI Collected for the Month)*100/ Total EMI Due for the month).
Note: Total EMI collections does not include any arrear collections, or prepayment collections in these calculations
99.2% 99.2% 99.2%
99.3%
99.4%
99.2% 99.3%
99.5%
99.4% 99.3% 99.4% 99.4%
99.4%
99.5% 99.5% 99.5% 99.5% 99.6%
99.5% 99.5%
99.3%
99.3%
99.3%
99.1%
Jul-21 Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 Jan-22 Feb-22 Mar-22 Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23
Note: Above numbers pertain to Urban portfolio which is the majority of the Book. Similar experience of improvement is observed in the Rural financing also.
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IDFC FIRST
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