IDFC FIRST Bank Merger Performance and Strategy Update
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Section 6: Loans & Advances
The Bank has diversified its loan book across more than 20 business lines
Emerging Enterprises.
Financial Institutions
7%
8%
Large Corporate
1%
Other SME Loans
5%
Other Corporates
3%
Infrastructure Financing
2%
Loan Book: June 30, 2023
Rs. 1,71,578 crore
Rural Finance
Gold Loan
0.2%
11%
Other Retail Loans
7%
Mortagages
23%
~28% of the total funded
assets are backed by
Business Banking
3%
KCC
Credit Card
2%
1%
Education Loans
1%
CV/CE Financing
2%
Consumer Loans
13%
Wheels
10%
mortgage
Other SME Loans consists of Loans to small business owners and entrepreneurs through products like business installment loans, micro business loans, trade advance etc with most loans < Rs. 5 crore.
Loans & Advances are net of IBPC and include advances & credit substututes; Consumer Loans include personal loans, and consumer durable loan.
Other Retail Loans include digital lending, revolving credit, retail portfolio buyout etc.
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