IDFC First Bank Ltd.

Financial

	IDFC First Bank	Federal Bank	AU Small Fin. Bank
Operational Metrics
Banking Sector
Credit Deposit Ratio	95.93 %	86.48 %	89.0 %
Gross NPA	1.94 %	1.95 %	n/a
Net NPA	0.52 %	0.49 %	n/a
CASA Ratio	47.7 %	30.16 %	31.0 %
CASA vs Liabilities	33.64 %	23.64 %	24.33 %
Net Interest Margin	6.04 %	3.11 %	6.0 %
Cost To Income Ratio	71.3 %	53.12 %	57.2 %
Capital to Risks Assets Ratio (CRAR)	16.11 %	15.16 %	18.0 %
Tier 2 Capital	2.43 %	1.38 %	1.1 %
Tier I Capital	13.68 %	13.78 %	16.9 %
NBFC
Cost of Borrowing	6.49 %	6.01 %	7.05 %
Financials
5 yr Average ROE	1.48 %	12.58 %	23.49 %
5yr average Equity Multiplier	9.25	11.84	7.85
5yr Average Asset Turnover Ratio	0.11	0.08	0.13
5yr Avg Net Profit Margin	0.95 %	12.46 %	22.51 %
5yr Avg Net Profit Margin	0.95 %	12.46 %	22.51 %
5yr CAGR Net Profit	n/a	19.53 %	15.03 %
5yr CAGR Sales	15.08 %	11.6 %	51.77 %
5 yr CAGR PPOP	25.93 %	11.2 %	n/a
Price to Book	1.29	1.53	2.91
P/E	25.33	12.29	23.66
Shareholdings
Promoter Holding	0.0	0.0	22.87 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-36.49 %	0.0	-5.36 %
Change in Mutual Fund Holding (3 Yrs)	3.99 %	2.24 %	8.95 %

Business

	IDFC First Bank	Federal Bank	AU Small Fin. Bank
Segment Break-Up	Segment Break-Up Consumer Finance 56.83 Treasury Operations 30.67 Corporate Banking 10.83 Corporate/ Whole sale Banking 0 Wholesale banking 0 Retail banking 0 Others 1.67	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Retail banking 0 Corporate Banking 26.1 Consumer Finance 0 Wholesale banking 0 Others 73.9	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 75.37 Corporate/ Whole sale Banking 0 Consumer Finance 0 Corporate Banking 9.51 Others 15.12
Loan Break-Up	Loan Break-Up Loan Against Property 28.0 Wheels 11.0 Rural Finance 9.0 Financial Services 8.0 Emerging Large Corporates 7.0 Small & Medium Enterprises (SME) loans 5.0 Commercial Finance 3.0 Consumer Finance 3.0 Credit Cards 3.0 Infrastructure 1.0 Large Industries 1.0 Digital, Gold Loan and Others 0.5 Personal Loan 0 NBFCs 0 Commercial Real Estate 0 Trade 0 0 Agriculture and allied activities 0 Non Priority Sector 0 Priority Sector 0 Others 20.5	Loan Break-Up Rural Finance 0 Consumer Finance 0 Emerging Large Corporates 0 Infrastructure 6.99 Agricultural 12.58 Large Industries 0 Commercial Real Estate 3.16 Small & Medium Enterprises (SME) loans 0 Digital, Gold Loan and Others 0 Priority Sector 0 Trading 5.66 Credit Cards 0 Loan Against Property 0 Commercial Finance 0 Priority Sector 12.7 Wheels 0 Non Priority Sector 0 Financial Services 0 Personal Loan 2.52 NBFC 11.29 Others 45.1	Loan Break-Up Rural Finance 0 Consumer Finance 0 Emerging Large Corporates 0 Infrastructure 0 Agriculture and allied activities 0 Large Industries 0 Commercial Real Estate 0 Small & Medium Enterprises (SME) loans 0 Digital, Gold Loan and Others 0 Priority Sector 62.09 Trade 0 Credit Cards 0 Loan Against Property 0 Commercial Finance 0 0 Wheels 0 Non Priority Sector 37.91 Financial Services 0 Personal Loan 0 NBFCs 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 West Bengal 0 Uttar Pradesh 0 Punjab 0 Andhra Pradesh 0 Gujarat 0 Kerala 0 Tamil Nadu 0 Karnataka 0 Rajasthan 0 Delhi 0 Maharashtra 0	Location Wise Break-Up Uttar Pradesh 0 Kerala 0 Gujarat 0 Karnataka 0 Maharashtra 0 Andhra Pradesh 0 Tamil Nadu 0 West Bengal 0 Rest of the World 0 Delhi 0 India 100.0 Punjab 0 Rajasthan 0	Location Wise Break-Up Uttar Pradesh 3.0 Kerala 0 Gujarat 11.0 Karnataka 3.0 Maharashtra 14.0 Andhra Pradesh 3.0 Tamil Nadu 2.0 West Bengal 0 Rest of the World 0 Delhi 5.0 India 0 Punjab 5.0 Rajasthan 26.0 Others 28.0
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 13.74 Borrowings outside India 0.63 Reserve Bank of India ( India ) 0 Banks 0 Others 85.63	Borrowings Break-Up Reserve Bank of India 0 Reserve Bank of India 11.33 Borrowings outside India 14.3 Banks 0 Others 74.37	Borrowings Break-Up Reserve Bank of India 0 Reserve Bank of India ( India ) 0 Borrowings outside India 0 Banking 5.71 Others 94.29
Profit Before Tax	Profit Before Tax Wholesale Banking 78.71 Treasury 21.29 Retail Banking 0	-	Profit Before Tax Retail Banking 0 Wholesale Banking 0 Treasury 6.51 Others 93.49
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 56.7 Treasury 30.08 Wholesale Banking 12.35 Others 0.87	Asset Break-Up - Segment Wise Retail Banking 42.17 Wholesale Banking 0 Treasury 21.68 Others 36.15	Asset Break-Up - Segment Wise Retail Banking 0 Wholesale Banking 0 Treasury 24.37 Others 75.63
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 67.39 Priority Sector 32.61 Non-Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 32.74 Non Priority Sector 0 Non Priority Sector 67.26	-
NPA Break-Up	NPA Break-Up Personal Loan 31.68 Services 24.3 Infrastructure 15.16 Auto loans 7.7 Industrial & Commercial 7.24 Agricultural 5.73 Housing 4.9 Infrastructure- Energy 0 Personal loans 0 Other Services 0 NBFCs 0 Commercial Real Estate 0 Trade 0 Infrastructure 0 0 Others 3.29	NPA Break-Up Industrial & Commercial 0 Others 29.44 Agricultural 0 Trading 11.33 Housing 0 Personal Loan 5.65 Infrastructure- Energy 0 0 Infrastructure 5.88 Personal Loan 0 Services 0 Auto loans 0 NBFC 0.04 Commercial Real Estate 0.74 Others 46.92	NPA Break-Up Industrial & Commercial 0 Other Services 0 Agricultural 0 Trade 0 Housing 0 Personal Loan 0.33 Infrastructure- Energy 0 Priority Sector 0.13 Infrastructure 0 Personal Loan 0 Services 0.96 Auto loans 0 NBFCs 0 Commercial Real Estate 0 Others 98.58

IDFC First Bank Ltd.

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