IDFC First Bank Ltd.

Financial

	IDFC First Bank	Federal Bank	AU Small Fin. Bank
Operational Metrics
Banking Sector
Credit Deposit Ratio	94.45 %	86.48 %	86.0 %
Gross NPA	1.87 %	1.95 %	n/a
Net NPA	0.53 %	0.49 %	n/a
CASA Ratio	46.9 %	30.16 %	29.2 %
CASA vs Liabilities	34.38 %	23.64 %	22.99 %
Net Interest Margin	6.1 %	3.11 %	5.94 %
Cost To Income Ratio	71.8 %	53.12 %	55.0 %
Capital to Risks Assets Ratio (CRAR)	15.48 %	15.16 %	20.1 %
Tier 2 Capital	2.31 %	1.38 %	1.3 %
Tier I Capital	13.17 %	13.78 %	18.8 %
NBFC
Cost of Borrowing	6.51 %	6.01 %	7.07 %
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	1.28	1.54	3.06
P/E	32.89	12.36	24.96
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 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 Corporate Banking 26.1 Consumer Finance 0 Wholesale banking 0 Treasury Operations 0 Corporate Banking 0 Retail banking 0 Others 73.9	Segment Break-Up Corporate/ Whole sale Banking 0 Consumer Finance 0 Corporate Banking 9.28 Treasury Operations 0 Corporate Banking 0 Consumer Finance 72.89 Others 17.83
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 Priority Sector 0 Consumer Finance 0 Trading 5.66 Priority Sector 12.7 Loan Against Property 0 Financial Services 0 Credit Cards 0 Small & Medium Enterprises (SME) loans 0 Digital, Gold Loan and Others 0 Rural Finance 0 Wheels 0 Commercial Finance 0 Infrastructure 6.99 NBFC 11.29 Personal Loan 2.52 Non Priority Sector 0 Agricultural 12.58 Large Industries 0 Commercial Real Estate 3.16 Emerging Large Corporates 0 Others 45.1	Loan Break-Up Priority Sector 62.09 Consumer Finance 0 Trade 0 0 Loan Against Property 0 Financial Services 0 Credit Cards 0 Small & Medium Enterprises (SME) loans 0 Digital, Gold Loan and Others 0 Rural Finance 0 Wheels 0 Commercial Finance 0 Infrastructure 0 NBFCs 0 Personal Loan 0 Non Priority Sector 37.91 Agriculture and allied activities 0 Large Industries 0 Commercial Real Estate 0 Emerging Large Corporates 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 Gujarat 0 Kerala 0 Delhi 0 Maharashtra 0 Punjab 0 Andhra Pradesh 0 Rajasthan 0 Tamil Nadu 0 India 100.0 West Bengal 0 Karnataka 0 Uttar Pradesh 0 Rest of the World 0	Location Wise Break-Up Gujarat 11.0 Kerala 0 Delhi 5.0 Maharashtra 16.0 Punjab 5.0 Andhra Pradesh 3.0 Rajasthan 26.0 Tamil Nadu 2.0 India 0 West Bengal 0 Karnataka 2.0 Uttar Pradesh 3.0 Rest of the World 0 Others 27.0
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 Borrowings outside India 14.3 Banks 0 Reserve Bank of India 11.33 Others 74.37	Borrowings Break-Up Reserve Bank of India 0 Borrowings outside India 0 Banking 5.71 Reserve Bank of India ( India ) 0 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 20.15 Others 79.85
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 27.79 Others 72.21
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 Priority Sector 32.74 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 Infrastructure- Energy 0 Others 29.44 Infrastructure 5.88 Housing 0 Industrial & Commercial 0 Auto loans 0 Agricultural 0 Trading 11.33 Services 0 0 Commercial Real Estate 0.74 NBFC 0.04 Personal Loan 0 Personal Loan 5.65 Others 46.92	NPA Break-Up Infrastructure- Energy 0 Other Services 0 Infrastructure 0 Housing 0 Industrial & Commercial 0 Auto loans 0 Agricultural 0 Trade 0 Services 0.96 Priority Sector 0.13 Commercial Real Estate 0 NBFCs 0 Personal Loan 0 Personal Loan 0.33 Others 98.58

IDFC First Bank Ltd.

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