IDFC FIRST Bank Risk Management & Asset Quality
a. Break-down of NPA
Break-down of asset quality by business components.
Retail has least Gross NPA and Net NPA for over a decade
Segment
Retail, Rural and SME
Finance
Corporate
(Non-Infrastructure)
Infrastructure
| 2,807
Financing
Overall Bank Level
Bank (Excl Infra.)
26,392
Gross Advances Breakup
Section 9: Risk Management & Asset Quality
Gross NPA
Net NPA
PCR%
1,55,920
1.45%
0.51%
86.36%
2.89%
0.27%
94.97%
26.66%
16.23%
61.77%
1,85,119
2.04%
0.68%
84.68%
1,82,312
1.66%
0.47%
88.04%
• The significant and growing part of the book, i.e. the Retail, Rural and SME business financing business has low NPA levels because of high-quality underwriting, credit
bureaus, technology, cash-flow based lending capabilities.
• Without this infrastructure financing portfolio, the Bank level PCR (excluding technical write-off) is at 71.87%.
Provision coverage ratio is including technical write-offs.
45
IDFC FIRST
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