Profitability & Capital Adequacy Presentation
Section 2: Financial Highlights - Q2 FY24
Bank At a Glance, as of September 2023
ATM
ap
Loans & Advances¹
Rs. 1,83,236 Cr (26% YoY)
Customer Deposits
Rs. 1,64,726 Cr (44% YoY)
Diversification
Retail Deposits 77% of
customer deposits
CASA Ratio
46.4%
ilre
Asset Quality (Overall Bank level)
GNPA%: 2.11% | NNPA%: 0.68%
Core Operating Income² (H1-FY24)
Rs. 10,411 Cr (37% YoY)
Core Operating Profit² (H1-FY24)
Rs. 2,883 Cr (41% YoY)
g↑
Profit After Tax (H1-FY24)
Rs. 1,516 Cr (47% YoY)
Return on Assets (H1-FY24)
1.20% (H1-FY23 -1.02%)
Return on Equity (H1-FY24)
11.36% (H1-FY23 - 9.54%)
Asset Quality (Retail, Rural & SME)
GNPA%: 1.53% | NNPA%: 0.52%
Capital Adequacy
18.06%³
1 Note: Total Loans & Advances (including credit substitutes) are Net of IBPC; 2 Excluding Trading Gains;
3. Includes the fresh equity capital raise of Rs. 3000 crore in first week of Oct 2023; excluding this, reported Capital Adequacy was 16.54% as of Sep 30, 2023
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IDFC FIRST
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