IDFC First Bank Ltd.

Financial

	IDFC First Bank	AU Small Fin. Bank	Federal Bank
Operational Metrics
Banking Sector
Credit Deposit Ratio	95.93 %	89.0 %	86.48 %
Gross NPA	1.94 %	n/a	1.95 %
Net NPA	0.52 %	n/a	0.49 %
CASA Ratio	47.7 %	31.0 %	30.16 %
CASA vs Liabilities	33.64 %	24.33 %	23.64 %
Net Interest Margin	6.04 %	6.0 %	3.11 %
Cost To Income Ratio	71.3 %	57.2 %	53.12 %
Capital to Risks Assets Ratio (CRAR)	16.11 %	18.0 %	15.16 %
Tier 2 Capital	2.43 %	1.1 %	1.38 %
Tier I Capital	13.68 %	16.9 %	13.78 %
NBFC
Cost of Borrowing	6.49 %	7.05 %	6.01 %
Financials
5 yr Average ROE	1.48 %	23.49 %	12.58 %
5yr average Equity Multiplier	9.25	7.85	11.84
5yr Average Asset Turnover Ratio	0.11	0.13	0.08
5yr Avg Net Profit Margin	0.95 %	22.51 %	12.46 %
5yr Avg Net Profit Margin	0.95 %	22.51 %	12.46 %
5yr CAGR Net Profit	n/a	15.03 %	19.53 %
5yr CAGR Sales	15.08 %	51.77 %	11.6 %
5 yr CAGR PPOP	25.93 %	n/a	11.2 %
Price to Book	1.06	2.48	1.46
P/E	20.88	20.16	11.72
Shareholdings
Promoter Holding	0.0	22.88 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-36.51 %	-5.45 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.42 %	5.47 %	3.31 %

Business

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

IDFC First Bank Ltd.

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