IDFC First Bank Ltd. benchmarking: Perfomance to industry peers

Financial

	IDFC First Bank	Yes Bank	Indusind Bank
Operational Metrics
Banks
Credit Deposit Ratio	94.2 %	84.5 %	83.65 %
Gross NPA	1.86 %	1.6 %	3.6 %
Net NPA	0.52 %	0.3 %	1.04 %
CASA Ratio	50.1 %	33.7 %	31.0 %
CASA vs Liabilities	36.28 %	23.27 %	22.9 %
Net Interest Margin	5.59 %	2.5 %	3.32 %
Cost To Income Ratio	70.9 %	67.1 %	66.22 %
Capital to Risks Assets Ratio (CRAR)	14.34 %	16.1 %	17.1 %
Tier 2 Capital	2.07 %	2.9 %	1.22 %
Tier I Capital	12.27 %	13.2 %	15.88 %
NBFC
Cost of Borrowing	6.23 %	6.0 %	5.43 %
Financials
5 yr Average ROE	5.71 %	0.23 %	10.41 %
5yr average Equity Multiplier	9.12	8.99	8.35
5yr Average Asset Turnover Ratio	0.12	0.08	0.1
5yr Avg Net Profit Margin	4.8 %	0.59 %	11.68 %
5yr Avg Net Profit Margin	4.8 %	0.59 %	11.68 %
5yr CAGR Net Profit	25.27 %	n/a	-2.55 %
5yr CAGR Sales	19.05 %	9.88 %	9.68 %
5 yr CAGR PPOP	23.76 %	-1.37 %	-2.13 %
Price to Book	1.49	1.44	1.04
P/E	48.35	25.0	0.0
Shareholdings
Promoter Holding	0.0	0.0	15.82 %
Share Pledged by Promoters	0.0	0.0	50.86 %
Change in Promoter Holding (3 Yrs)	-36.47 %	0.0	-0.69 %
Change in Mutual Fund Holding (3 Yrs)	7.46 %	2.51 %	11.63 %

Business

	IDFC First Bank	Yes Bank	Indusind Bank
Segment Break-Up	Segment Break-Up Consumer Finance 56.96 Treasury Operations 30.08 Corporate Banking 11.69 Others 1.27	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 100	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 100
Loan Break-Up	Loan Break-Up Loan Against Property 28.0 Wheels 12.0 Financial Services 9.0 Emerging Large Corporates 7.0 Rural Finance 6.0 Small & Medium Enterprises (SME) loans 5.0 Commercial Finance 3.0 Consumer Finance 3.0 Credit Cards 3.0 Digital, Gold Loan and Others 1.0 Infrastructure 1.0 Large Industries 1.0 Investment Banking 0 Retail Banking 0 Small and Micro Enterprise 0 Medium Enterprise 0 Corporate Banking 0 Personal loans 0 Services 0 Basic Metal and Metal Products 0 0 Gems and Jewellery 0 0 Agriculture and allied activities 0 Others 21.0	Loan Break-Up Large Industries 0 Digital, Gold Loan and Others 0 Infrastructure 0 Wheels 0 Agriculture and allied activities 0 Corporate Banking 26.77 Rural Finance 0 Small & Medium Enterprises (SME) loans 0 Medium Enterprise 0 Emerging Large Corporates 0 Basic Metal and Metal Products 0 Personal loans 0 Credit Cards 0 Consumer Finance 0 0 Services 0 Gems and Jewellery 0 Small and Micro Enterprise 0 Commercial Finance 0 Loan Against Property 0 Investment Banking 0 Consumer Finance 48.28 Financial Services 0 0 Others 24.95	Loan Break-Up Large Industries 0 Digital, Gold Loan and Others 0 Infrastructure 3.3 Wheels 0 Agricultural 13.5 Corporate Banking 0 Rural Finance 0 Small & Medium Enterprises (SME) loans 0 Medium Enterprise 0 Emerging Large Corporates 0 Metals 2.51 Personal Loan 20.07 Credit Cards 0 Consumer Finance 0 0 Services 47.78 Gems & Jewelry 2.06 Small and Micro Enterprise 0 Commercial Finance 0 Loan Against Property 0 Investment Banking 0 Retail Banking 0 Financial Services 0 0 Others 10.78
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 15.04 Borrowings outside India 1.99 Tier II Borrowings 0 IPDI 0 0 Long Term Infrastructure Bonds 0 Others 82.97	Borrowings Break-Up IPDI 0 Long Term Infrastructure Bonds 0 Reserve Bank of India 1.54 Tier II Borrowings 19.47 Borrowings outside India 12.95 0 Others 66.04	Borrowings Break-Up IPDI 0 Long Term Infrastructure Bonds 2.79 Reserve Bank of India 0 Tier II Borrowings 0 Borrowings outside India 33.69 0 Others 63.52
Profit Before Tax	Profit Before Tax Wholesale Banking 89.82 Retail Banking 10.18 Treasury 0	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 56.55 Treasury 29.35 Wholesale Banking 13.39 Others 0.71	-	Asset Break-Up - Segment Wise Wholesale Banking 0 Retail Banking 44.09 Treasury 27.61 Others 28.3
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 69.4 Priority Sector 30.6 Non Priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Priority Sector 0 Non Priority Sector 59.24 Priority Sector 40.76 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 31.0 Non Priority sector 0 Priority sector 0 Non Priority Sector 69.0
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 Corporate 0 MSME 0 Retail 0 Industries - Other 0 Personal loans 0 Basic Metal and Metal Products 0 Infrastructure 0 0 Gems and Jewellery 0 0	NPA Break-Up Housing 0 Basic Metal and Metal Products 0 Infrastructure- Transport 0 Auto loans 0 MSME 0 Infrastructure- Energy 0 Industries - Other 0 Agricultural 0 Services 0 Infrastructure 0 Personal Loan 0 Gems and Jewellery 0 Industrial & Commercial 0 0 Retail 70.46 0 Personal loans 0 Corporate 12.01 Others 17.53	NPA Break-Up Housing 0 Metals 0.12 Infrastructure- Transport 0 Auto loans 0 MSME 0 Infrastructure- Energy 0 Industries - Other 0 Agricultural 0 Services 27.22 Infrastructure 1.21 Personal Loan 0 Gems & Jewelry 0.05 Industrial & Commercial 0 0 Retail 0 0 Personal Loan 17.63 Corporate 0 Others 53.77

IDFC First Bank Ltd.

IDFC First Bank Ltd.

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