IDFC First Bank Ltd.

Financial

	IDFC First Bank	Federal Bank	AU Small Fin. Bank
Operational Metrics
Banking Sector
Credit Deposit Ratio	93.4 %	82.79 %	86.0 %
Gross NPA	1.97 %	1.84 %	n/a
Net NPA	0.55 %	0.44 %	n/a
CASA Ratio	48.0 %	30.23 %	29.0 %
CASA vs Liabilities	35.19 %	24.57 %	23.03 %
Net Interest Margin	5.71 %	3.12 %	5.4 %
Cost To Income Ratio	68.7 %	56.69 %	54.0 %
Capital to Risks Assets Ratio (CRAR)	15.01 %	16.4 %	19.4 %
Tier 2 Capital	2.21 %	1.36 %	1.9 %
Tier I Capital	12.8 %	15.04 %	17.5 %
NBFC
Cost of Borrowing	6.37 %	6.06 %	7.08 %
Financials
5 yr Average ROE	5.71 %	12.58 %	21.88 %
5yr average Equity Multiplier	9.12	11.84	8.05
5yr Average Asset Turnover Ratio	0.12	0.08	0.13
5yr Avg Net Profit Margin	4.8 %	12.46 %	21.11 %
5yr Avg Net Profit Margin	4.8 %	12.46 %	21.11 %
5yr CAGR Net Profit	25.27 %	19.53 %	22.55 %
5yr CAGR Sales	19.05 %	11.6 %	64.84 %
5 yr CAGR PPOP	23.76 %	11.2 %	n/a
Price to Book	1.3	1.44	3.22
P/E	38.75	12.27	25.3
Shareholdings
Promoter Holding	0.0	0.0	22.85 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-36.48 %	0.0	-5.36 %
Change in Mutual Fund Holding (3 Yrs)	5.76 %	2.75 %	9.56 %

Business

	IDFC First Bank	Federal Bank	AU Small Fin. Bank
Segment Break-Up	Segment Break-Up Consumer Finance 55.66 Treasury Operations 31.3 Corporate Banking 11.48 Corporate/ Whole sale Banking 0 Wholesale banking 0 Retail banking 0 Others 1.56	Segment Break-Up Treasury Operations 0 Wholesale banking 0 Corporate Banking 25.86 Corporate Banking 0 Retail banking 0 Consumer Finance 0 Others 74.14	Segment Break-Up Treasury Operations 0 Corporate Banking 9.24 Corporate/ Whole sale Banking 0 Corporate Banking 0 Consumer Finance 70.38 Consumer Finance 0 Others 20.38
Loan Break-Up	Loan Break-Up Loan Against Property 29.0 Wheels 10.41 Financial Services 9.0 Rural Finance 8.0 Small & Medium Enterprises (SME) loans 6.0 Emerging Large Corporates 6.0 Commercial Finance 3.0 Consumer Finance 3.0 Credit Cards 3.0 Infrastructure 1.0 Large Industries 1.0 Digital, Gold Loan and Others 0.3 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 20.29	Loan Break-Up Infrastructure 6.99 Non Priority Sector 0 Consumer Finance 0 Commercial Real Estate 3.16 Trading 5.66 NBFC 11.29 Commercial Finance 0 Loan Against Property 0 Financial Services 0 Small & Medium Enterprises (SME) loans 0 Personal Loan 2.52 Large Industries 0 Digital, Gold Loan and Others 0 Emerging Large Corporates 0 Rural Finance 0 Wheels 0 Agricultural 12.58 Credit Cards 0 Priority Sector 0 Priority Sector 12.7 Others 45.1	Loan Break-Up Infrastructure 0 Non Priority Sector 39.39 Consumer Finance 0 Commercial Real Estate 0 Trade 0 NBFCs 0 Commercial Finance 0 Loan Against Property 0 Financial Services 0 Small & Medium Enterprises (SME) loans 0 Personal Loan 0 Large Industries 0 Digital, Gold Loan and Others 0 Emerging Large Corporates 0 Rural Finance 0 Wheels 0 Agriculture and allied activities 0 Credit Cards 0 Priority Sector 60.61 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 Kerala 0 Tamil Nadu 0 Rest of the World 0 India 100.0 West Bengal 0 Rajasthan 0 Delhi 0 Karnataka 0 Gujarat 0 Maharashtra 0 Uttar Pradesh 0 Punjab 0 Andhra Pradesh 0	Location Wise Break-Up Kerala 0 Tamil Nadu 2.0 Rest of the World 0 India 0 West Bengal 0 Rajasthan 26.0 Delhi 5.0 Karnataka 2.0 Gujarat 11.0 Maharashtra 16.0 Uttar Pradesh 3.0 Punjab 5.0 Andhra Pradesh 3.0 Others 27.0
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 15.04 Borrowings outside India 1.99 Reserve Bank of India ( India ) 0 Banks 0 Others 82.97	Borrowings Break-Up Banks 0 Reserve Bank of India 11.33 Reserve Bank of India 0 Borrowings outside India 14.3 Others 74.37	Borrowings Break-Up Banking 3.43 Reserve Bank of India ( India ) 0 Reserve Bank of India 0 Borrowings outside India 0 Others 96.57
Profit Before Tax	Profit Before Tax Treasury 50.53 Wholesale Banking 49.47 Retail Banking 0	-	Profit Before Tax Treasury 40.69 Retail Banking 0 Wholesale Banking 0 Others 59.31
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 57.42 Treasury 28.96 Wholesale Banking 12.85 Others 0.77	Asset Break-Up - Segment Wise Treasury 22.07 Retail Banking 41.62 Wholesale Banking 0 Others 36.31	Asset Break-Up - Segment Wise Treasury 25.97 Retail Banking 0 Wholesale Banking 0 Others 74.03
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 69.4 Priority Sector 30.6 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 29.6 Agricultural 18.9 Industrial & Commercial 18.26 Services 18.1 Auto loans 10.48 Housing 4.67 Infrastructure- Transport 0 Infrastructure- Energy 0 Personal loans 0 Other Services 0 NBFCs 0 Commercial Real Estate 0 Trade 0 Infrastructure 0 0	NPA Break-Up Commercial Real Estate 0.74 Infrastructure- Transport 0 Personal Loan 0 Auto loans 0 Industrial & Commercial 0 Housing 0 Infrastructure- Energy 0 Personal Loan 5.65 Trading 11.33 Infrastructure 5.88 NBFC 0.04 Agricultural 0 0 Services 0 Others 29.44 Others 46.92	NPA Break-Up Commercial Real Estate 0 Infrastructure- Transport 0 Personal Loan 0 Auto loans 0 Industrial & Commercial 0 Housing 0 Infrastructure- Energy 0 Personal Loan 25.11 Trade 0 Infrastructure 0 NBFCs 0 Agricultural 0 Priority Sector 7.65 Services 46.4 Other Services 0 Others 20.84

IDFC First Bank Ltd.

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