IDFC First Bank Ltd.

Financial

	IDFC First Bank	Ujjivan Small Fin	Dhanlaxmi Bank
Operational Metrics
Banking Sector
Credit Deposit Ratio	98.6 %	86.35 %	69.35 %
Gross NPA	1.88 %	2.1 %	4.81 %
Net NPA	0.6 %	0.16 %	1.27 %
CASA Ratio	47.2 %	25.47 %	31.1 %
CASA vs Liabilities	31.97 %	19.12 %	28.15 %
Net Interest Margin	6.36 %	8.8 %	3.34 %
Cost To Income Ratio	72.89 %	56.0 %	77.67 %
Capital to Risks Assets Ratio (CRAR)	16.11 %	24.37 %	12.37 %
Tier 2 Capital	2.75 %	2.4 %	1.61 %
Tier I Capital	13.36 %	21.97 %	10.75 %
NBFC
Cost of Borrowing	6.27 %	7.5 %	5.29 %
Financials
5 yr Average ROE	-2.79 %	9.46 %	5.67 %
5yr average Equity Multiplier	9.25	7.2	15.31
5yr Average Asset Turnover Ratio	0.11	0.15	0.08
5yr Avg Net Profit Margin	-3.6 %	6.34 %	3.65 %
5yr Avg Net Profit Margin	-3.6 %	6.34 %	3.65 %
5yr CAGR Net Profit	n/a	40.74 %	33.43 %
5yr CAGR Sales	15.81 %	18.47 %	2.27 %
5 yr CAGR PPOP	n/a	36.88 %	5.35 %
Price to Book	1.8	2.2	1.09
P/E	19.74	8.33	12.08
Shareholdings
Promoter Holding	37.43 %	73.52 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.55 %	-9.8 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-0.19 %	0.54 %	0.0

Business

	IDFC First Bank	Ujjivan Small Fin	Dhanlaxmi Bank
Loan Break-Up	Loan Break-Up Loan Against Property 28.0 Consumer Finance 14.0 Rural Finance 11.0 Wheels 10.0 Financial Services 8.0 Small & Medium Enterprises (SME) loans 5.0 Emerging Large Corporates 5.0 Commercial Finance 3.0 Credit Cards 3.0 Infrastructure 1.58 Large Industries 1.0 Digital, Gold Loan and Others 0.41 Individual 0 Group Loans 0 FIG 0 Two Wheeler Loans 0 Staff Loans 0 Personal Loans 0 Advances against deposits 0 Agriculture Loans 0 Institutional Lending 0 MSE 0 Secured Housing 0 Micro Banking 0 Retail 0 Gold 0 SME 0 Agri & Micro 0 Corporate 0 Others 10.01	Loan Break-Up Financial Services 0 Digital, Gold Loan and Others 0 Group Loans 0 Small & Medium Enterprises (SME) loans 0 Large Industries 0 Gold 0 FIG 5.0 Two Wheeler Loans 0 Agriculture Loans 0 Rural Finance 0 Secured Housing 16.0 Commercial Finance 0 Retail 0 Individual 16.0 Wheels 0 Institutional Lending 0 Personal Loans 0 MSE 5.0 Staff Loans 0 Infrastructure 0 Consumer Finance 0 Emerging Large Corporates 0 Loan Against Property 0 SME 0 Microfinance 56.0 Advances against deposits 0 Agri & Micro 0 Credit Cards 0 Corporate 0 Others 2.0	Loan Break-Up Financial Services 0 Digital, Gold Loan and Others 0 Group Loans 0 Small & Medium Enterprises (SME) loans 0 Large Industries 0 Gold 25.94 FIG 0 Two Wheeler Loans 0 Agriculture Loans 0 Rural Finance 0 Secured Housing 0 Commercial Finance 0 Retail 23.06 Individual 0 Wheels 0 Institutional Lending 0 Personal Loans 0 MSE 0 Staff Loans 0 Infrastructure 0 Consumer Finance 0 Emerging Large Corporates 0 Loan Against Property 0 SME 16.19 Micro Banking 0 Advances against deposits 0 Agricultural 8.25 Credit Cards 0 Corporate 26.57
Segment Break-Up	Segment Break-Up Consumer Finance 59.79 Treasury Operations 26.4 Corporate Banking 12.19 Wholesale Banking 0 Corporate/ Wholesale Banking 0 Others 1.62	Segment Break-Up Corporate/ Wholesale Banking 0 Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Corporate Banking 2.03 Others 97.97	Segment Break-Up Corporate Banking 27.45 Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Wholesale Banking 0 Others 72.55
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 West India 0 East India 0 South India 0 North India 0	Location Wise Break-Up North India 27.0 Rest of the World 0 East India 26.0 South India 30.0 India 0 West India 17.0	Location Wise Break-Up North India 0 Rest of the World 0 East India 0 South India 0 India 100.0 West India 0
Borrowings Break-Up	Borrowings Break-Up Borrowings outside India 0.73 Reserve Bank of India 0 RBI 0 Non-Convertible Redeemable Debenture 0 Other Banks 0 Lower Tier II bonds 0 Upper Tier II bonds 0 Others 99.27	Borrowings Break-Up Lower Tier II bonds 0 RBI 9.46 Reserve Bank of India 0 Borrowings outside India 0 Upper Tier II bonds 0 Other banks - India 5.68 Non-Convertible Redeemable Debenture 0 Others 84.86	Borrowings Break-Up Lower Tier II bonds 30.46 RBI 0 Reserve Bank of India 0 Borrowings outside India 0 Upper Tier II bonds 0 Other Banks 0 Non-Convertible Redeemable Debenture 0 Others 69.54
Profit Before Tax	Profit Before Tax Retail Banking 54.92 Wholesale Banking 43.28 Treasury 1.79 Others 0.01	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 0 Wholesale Banking 0 Treasury 0 Others 100	-	-
NPA Break-Up	NPA Break-Up Infrastructure 24.99 Personal Loan 24.16 Services 20.98 Industrial & Commercial 13.49 Auto loans 6.99 Housing 5.92 Agricultural 3.48 Infrastructure- Energy 0 Personal loans 0 0 Agriculture and Allied activities 0 Personal loans (Other than above) 0 0	NPA Break-Up Personal Loan 0 Advances to industries 5.4 Services 6.77 Infrastructure 0 0 Agricultural 0 Auto loans 0 Housing 0 Infrastructure- Energy 0 Agricultural 19.35 Personal loans (Other than above) 0 Personal Loan 68.48 Industrial & Commercial 0	NPA Break-Up Personal Loan 0 0 Services 68.87 Infrastructure 0 Priority Sector 7.02 Agricultural 0 Auto loans 0 Housing 0 Infrastructure- Energy 0 Agriculture and Allied activities 0 Personal Loan 13.47 Personal loans 0 Industrial & Commercial 0 Others 10.64
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 68.83 Priority Sector 31.17 Non-Priority sector 0 Priority sector 0 Non-Priority 0 Priority 0	Priority vs Non-Priority Sector Priority Sector 73.85 Non-Priority 0 Priority 0 Non Priority Sector 26.15 Priority Sector 0 Non Priority Sector 0	Priority vs Non-Priority Sector Priority sector 0 Non Priority Sector 49.74 Priority Sector 50.26 Non-Priority sector 0 Priority Sector 0 Non Priority Sector 0

IDFC First Bank Ltd.

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