IDFC First Bank Ltd. benchmarking: Performance to industry peers

Financial

	IDFC First Bank	Yes Bank	Indusind Bank
Operational Metrics
Banks
Credit Deposit Ratio	97.34 %	85.7 %	78.98 %
Gross NPA	1.61 %	1.3 %	3.43 %
Net NPA	0.48 %	0.2 %	1.0 %
CASA Ratio	49.8 %	35.1 %	31.24 %
CASA vs Liabilities	36.68 %	23.87 %	22.99 %
Net Interest Margin	5.93 %	2.7 %	3.39 %
Cost To Income Ratio	72.3 %	63.0 %	66.22 %
Capital to Risks Assets Ratio (CRAR)	15.6 %	15.6 %	17.48 %
Tier 2 Capital	1.87 %	2.1 %	1.28 %
Tier I Capital	13.73 %	13.5 %	16.2 %
NBFC
Cost of Borrowing	6.0 %	5.8 %	5.14 %
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	1.23	1.35	1.06
P/E	36.19	19.71	78.15
Shareholdings
Promoter Holding	0.0	0.0	15.82 %
Share Pledged by Promoters	0.0	0.0	42.78 %
Change in Promoter Holding (3 Yrs)	-39.99 %	0.0	-0.68 %
Change in Mutual Fund Holding (3 Yrs)	8.47 %	4.16 %	14.48 %

Business

	IDFC First Bank	Yes Bank	Indusind Bank
Segment Break-Up	Segment Break-Up Consumer Finance 56.97 Treasury Operations 29.9 Corporate Banking 11.85 Others 1.28	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Others 100	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Others 100
Loan Break-Up	Loan Break-Up Loan Against Property 29.0 Wheels 12.0 Financial Services 10.0 Emerging Large Corporates 7.0 Rural Finance 6.0 Commercial Finance 3.0 Small & Medium Enterprises (SME) loans 3.0 Credit Cards 3.0 Digital, Gold Loan and Others 1.0 Infrastructure 1.0 Large Industries 1.0 Consumer Loans 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 24.0	Loan Break-Up Corporate Banking 28.32 Wheels 0 Infrastructure 0 Small and Micro Enterprise 0 Commercial Finance 0 Basic Metal and Metal Products 0 Services 0 Agriculture and allied activities 0 Digital, Gold Loan and Others 0 Gems and Jewellery 0 Emerging Large Corporates 0 Financial Services 0 Rural Finance 0 Small & Medium Enterprises (SME) loans 0 Loan Against Property 0 Credit Cards 0 Consumer Finance 46.1 0 Personal loans 0 Large Industries 0 Investment Banking 0 Medium Enterprise 0 Consumer Loans 0 0 Others 25.58	Loan Break-Up Corporate Banking 0 Wheels 0 Infrastructure 3.3 Small and Micro Enterprise 0 Commercial Finance 0 Metals 2.51 Services 47.78 Agricultural 13.5 Digital, Gold Loan and Others 0 Gems & Jewelry 2.06 Emerging Large Corporates 0 Financial Services 0 Rural Finance 0 Small & Medium Enterprises (SME) loans 0 Loan Against Property 0 Credit Cards 0 Retail Banking 0 0 Personal Loan 20.07 Large Industries 0 Investment Banking 0 Medium Enterprise 0 Consumer Loans 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 India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 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 Reserve Bank of India 1.54 Long Term Infrastructure Bonds 0 Tier II Borrowings 19.47 0 IPDI 0 Borrowings outside India 12.95 Others 66.04	Borrowings Break-Up Reserve Bank of India 0 Long Term Infrastructure Bonds 2.79 Tier II Borrowings 0 0 IPDI 0 Borrowings outside India 33.69 Others 63.52
Profit Before Tax	Profit Before Tax Wholesale Banking 78.24 Retail Banking 17.23 Treasury 4.53	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 57.08 Treasury 28.28 Wholesale Banking 14.01 Others 0.63	-	Asset Break-Up - Segment Wise Wholesale Banking 0 Retail Banking 43.19 Treasury 28.77 Others 28.04
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 40.76 Non Priority Sector 0 Priority Sector 0 Non Priority Sector 59.24	Priority vs Non-Priority Sector Priority sector 0 Non Priority Sector 69.0 Priority Sector 31.0 Non Priority sector 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 Agricultural 0 Gems and Jewellery 0 MSME 0 Industrial & Commercial 0 Personal loans 0 Infrastructure 0 Infrastructure- Transport 0 Retail 75.95 0 Auto loans 0 Infrastructure- Energy 0 Basic Metal and Metal Products 0 Housing 0 Industries - Other 0 0 Services 0 Corporate 13.18 Personal Loan 0 Others 10.87	NPA Break-Up Agricultural 0 Gems & Jewelry 0.05 MSME 0 Industrial & Commercial 0 Personal Loan 17.63 Infrastructure 1.21 Infrastructure- Transport 0 Retail 0 0 Auto loans 0 Infrastructure- Energy 0 Metals 0.12 Housing 0 Industries - Other 0 0 Services 27.22 Corporate 0 Personal Loan 0 Others 53.77

IDFC First Bank Ltd.

IDFC First Bank Ltd.

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