Investor Presentaiton
Section 7: Successful Trajectory of Growth and Profits at Capital First
Transformation into Retail Franchise
Since 2010, the company has consistently stayed with the founding theme of financing entrepreneurs,
MSMEs and consumers through the platform of technology & has grown the retail franchise
A highly diversified portfolio across 600 industries and over 70 lakh customers
Retail Loan Assets becoming 91% of the Overall Loan Assets
This transformation & diversification has resulted in high asset quality, consistency of growth, and
sustained increase in profits.
Retails loans
Real Estate & Corporate Loans
Total AUM
Rs. 11,975 Cr
$ 1.84 bn
Rs. 9,679 Cr
$ 1.49 bn
16%
Rs. 7,510 Cr
$ 1.16 bn
19%
Rs. 6,186 Cr
$ 0.95 bn
26%
81%
Rs. 2,751 Cr
74%
Rs. 935 Cr
$ 0.42 bn
44%
56%
28%
10%
72%
$ 0.14 bn
84%
Rs. 19,824 Cr
$ 3.05 bn
Rs. 16,041 Cr
$ 2.47 bn
7%
*As per Ind- AS
Rs. 32,622 Cr*
$ 4.47 bn
Rs. 26,997 Cr
$ 4,15 bn
9%
6%
600
14%
86%
93%
94%
91%
As a result, the growth in the net profit of the Company has outpaced the growth of the
loan book demonstrating increased efficiency in use of capital. The company plans to
continue to build in this strategic direction and aims to grow the loan book at a CAGR of
25% over the next three years.
FY10
FY11
FY12
FY13
FY14
FY15
FY16
FY17
FY18
Q2 FY19
56
IDFC FIRST
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