IDFC FIRST Bank Risk Management & Asset Quality
Section 4: Financial Highlights - Q3 FY24
Bank At a Glance, as of December 2023
Loans & Advances¹
Rs. 1,89,475 Cr (24.5% YoY),
Customer Deposits
Rs. 1,76,481 Cr (42.8% YoY),
Diversification
Retail Deposits at 79% of
customer deposits
CASA Ratio
46.8%
ATM
Lap
ilro
Asset Quality (Overall Bank level)
GNPA%: 2.04% | NNPA%: 0.68%
Asset Quality (Retail, Rural & SME)
GNPA%: 1.45% | NNPA%: 0.51%
1 Note: Total Loans & Advances (including credit substitutes) are Net of IBPC; 2 Excluding Trading Gains
Core Operating Income² (9M-FY24)
Rs. 16,167 Cr (34.7% YoY),
Core Operating Profit² (9M-FY24)
Rs. 4,398 Cr (34.7% YoY)
g↑
Profit After Tax (9M-FY24)
Rs. 2,232 Cr (36.6% YoY),
Return on Assets (9M-FY24)
1.16% (9M-FY23 - 1.05%)
Return on Equity (9M-FY24)
10.67% (9M-FY23 - 9.95%)
Capital Adequacy
16.73%
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IDFC FIRST
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