IDFC FIRST Bank: Quarterly Income and Business Overview
Section 4: The Bank continues to see strong growth in Retail Deposits. This has reduced
the dependence on wholesale deposits and has provided greater stability.
In Rs. Crore
Legacy Long Term Bonds
Mar-20
Dec-20
Mar-21
YOY%
12,013
9,460
7,892
-34%
Legacy Infra Bonds
Refinance
Other borrowings
Total Borrowings (A)
CASA
Term Deposits*
Total Customer Deposits (B)
Certificate of Deposits (C)
Money Market Borrowings (D)
10,434
9,514
9,508
9%
14,738
8,297
15,438
5%
12,984
8,997
7,618
-41%
50,169
36,267
40,456
-19%
20,661
40,563
45,896
122%
37,058
36,726
36,829
-1%
57,719
77,289
82,725
43%
7,111
6,673
5,964
-16%
7,228
4,538
5,330
-26%
Borrowings + Deposits (A)+(B)+(C)+(D)
122,227
124,768
134,475
10%
CASA % of Deposits
31.87%
48.31%
51.75%
Customer Deposits as % of Borrowings + Deposits
47.22%
61.95%
61.52%
*
Though the customer Term Deposits at Rs. 36,829 crores as of March 31 2021 has not grown YOY, the underlying composition of Terms Deposits have improved substantially.
Retail Term Deposits were up 21% over last year and Wholesale Term Deposits were reduced by 21% YOY.
Section 4: Update on Liabilities
29
IDFC FIRST
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