Investor Presentaiton
Section 7: Successful Trajectory of Growth and Profits at Capital First
Asset Quality
STABLE ASSET QUALITY: The Company's asset quality consistently remained high consistently over 8
years. Over 8 years, the GNPA was ~1.7% and NNPA was ~1.0% which came down from 5.28% and 3.78% respectively (31-March-10)
GNPA 5.28%
Demonetization
Nov 8th 2016
GST Launched
July 1st 2017
-CFL-GNPA
-CFL-NNPA
NNPA 3.78%
1.74%
1.71%
11.59%
1.65%
1.72%
1.52%
1.63%
1.59%
1.62%
1.57%
I
1.21%
1.13%
I
0.97%
1.00%
1.00%
1.04%
1.00%
0.97%
1.00%
1.00%
31-Mar-10
31-Mar-16 30-Jun-16 30-Sep-16 31-Dec-16 31-Mar-17 30-Jun-17 30-Sep-17 31-Dec-17 31-Mar-18 30-Jun-18
This is despite the fact that the company was providing finance in a less banked segment. Further the portfolio has been stress tested over three significant events since inception :
a)
FY 2010-2014 where there was high inflation, elevated interest rates and sharp Rupee Depreciation,
b)
Demonetization (FY16) where 86% of the country's currency was invalidated and
c)
GST Implementation (FY17) which affected our target segment directly.
Note: NPA recognition norm migrated to 90 dpd effective from 01 April, 2017.
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