IDFC First Bank Ltd.

Financial

	IDFC First Bank	Indusind Bank	Yes Bank
Operational Metrics
Banking Sector
Credit Deposit Ratio	93.4 %	84.02 %	87.4 %
Gross NPA	1.97 %	3.64 %	1.6 %
Net NPA	0.55 %	1.12 %	0.3 %
CASA Ratio	48.0 %	31.0 %	32.8 %
CASA vs Liabilities	35.19 %	22.82 %	22.05 %
Net Interest Margin	5.71 %	3.46 %	2.5 %
Cost To Income Ratio	68.7 %	62.23 %	67.1 %
Capital to Risks Assets Ratio (CRAR)	15.01 %	16.63 %	16.5 %
Tier 2 Capital	2.21 %	1.16 %	3.2 %
Tier I Capital	12.8 %	15.48 %	13.3 %
NBFC
Cost of Borrowing	6.37 %	5.69 %	6.3 %
Financials
5 yr Average ROE	5.71 %	10.41 %	0.23 %
5yr average Equity Multiplier	9.12	8.35	8.99
5yr Average Asset Turnover Ratio	0.12	0.1	0.08
5yr Avg Net Profit Margin	4.8 %	11.68 %	0.59 %
5yr Avg Net Profit Margin	4.8 %	11.68 %	0.59 %
5yr CAGR Net Profit	25.27 %	-2.55 %	n/a
5yr CAGR Sales	19.05 %	9.68 %	9.88 %
5 yr CAGR PPOP	23.76 %	-2.13 %	-1.37 %
Price to Book	1.59	0.89	1.36
P/E	47.35	57.4	24.26
Shareholdings
Promoter Holding	0.0	15.82 %	0.0
Share Pledged by Promoters	0.0	50.86 %	0.0
Change in Promoter Holding (3 Yrs)	-36.48 %	-0.69 %	0.0
Change in Mutual Fund Holding (3 Yrs)	5.76 %	13.23 %	2.03 %

Business

	IDFC First Bank	Indusind Bank	Yes Bank
Loan Break-Up	Loan Break-Up Loan Against Property 29.0 Wheels 10.0 Financial Services 9.0 Rural Finance 7.0 Emerging Large Corporates 7.0 Small & Medium Enterprises (SME) loans 5.0 Commercial Finance 3.0 Consumer Finance 3.0 Credit Cards 3.0 Large Industries 2.0 Digital, Gold Loan and Others 1.0 Infrastructure 1.0 Personal loans 0 Services 0 Basic Metal and Metal Products 0 0 Gems and Jewellery 0 0 Agriculture and allied activities 0 Investment Banking 0 Retail Banking 0 Small and Micro Enterprise 0 Medium Enterprise 0 Corporate Banking 0 Others 20.0	Loan Break-Up Services 47.78 Financial Services 0 Wheels 0 Metals 2.51 Gems & Jewelry 2.06 Retail Banking 0 Small & Medium Enterprises (SME) loans 0 Commercial Finance 0 Personal Loan 20.07 Digital, Gold Loan and Others 0 Infrastructure 3.3 Emerging Large Corporates 0 Large Industries 0 Small and Micro Enterprise 0 Medium Enterprise 0 Corporate Banking 0 Investment Banking 0 Credit Cards 0 Rural Finance 0 Agricultural 13.5 Loan Against Property 0 0 Consumer Finance 0 0 Others 10.78	Loan Break-Up Services 0 Financial Services 0 Wheels 0 Basic Metal and Metal Products 0 Gems and Jewellery 0 Consumer Finance 49.36 Small & Medium Enterprises (SME) loans 0 Commercial Finance 0 Personal loans 0 Digital, Gold Loan and Others 0 Infrastructure 0 Emerging Large Corporates 0 Large Industries 0 Small and Micro Enterprise 0 Medium Enterprise 0 Corporate Banking 25.89 Investment Banking 0 Credit Cards 0 Rural Finance 0 Agriculture and allied activities 0 Loan Against Property 0 0 Consumer Finance 0 0 Others 24.75
Segment Break-Up	Segment Break-Up Consumer Finance 55.38 Treasury Operations 32.01 Corporate Banking 11.51 Others 1.1	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
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 0 Long Term Infrastructure Bonds 0 Tier II Borrowings 0 IPDI 0 Others 82.97	Borrowings Break-Up Long Term Infrastructure Bonds 2.79 Tier II Borrowings 0 Borrowings outside India 33.69 0 Reserve Bank of India 0 IPDI 0 Others 63.52	Borrowings Break-Up Long Term Infrastructure Bonds 0 Tier II Borrowings 17.44 Borrowings outside India 15.24 0 Reserve Bank of India 2.06 IPDI 0 Others 65.26
Profit Before Tax	Profit Before Tax Treasury 65.85 Wholesale Banking 34.15 Retail Banking 0	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 57.14 Treasury 29.16 Wholesale Banking 12.97 Others 0.73	Asset Break-Up - Segment Wise Retail Banking 46.42 Wholesale Banking 0 Treasury 24.73 Others 28.85	-
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 0 Non Priority Sector 69.0 Priority Sector 31.0	Priority vs Non-Priority Sector Priority Sector 42.12 Non Priority Sector 57.88 Non Priority Sector 0 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 Industries - Other 0 Personal loans 0 Basic Metal and Metal Products 0 Infrastructure 0 0 Gems and Jewellery 0 0 Corporate 0 MSME 0 Retail 0	NPA Break-Up Industries - Other 0 Industrial & Commercial 0 Services 27.22 Personal Loan 17.63 Agricultural 0 0 Corporate 0 Auto loans 0 Infrastructure- Transport 0 Metals 0.12 Infrastructure 1.21 Infrastructure- Energy 0 Gems & Jewelry 0.05 Housing 0 MSME 0 Personal Loan 0 Retail 0 0 Others 53.77	NPA Break-Up Industries - Other 0 Industrial & Commercial 0 Services 0 Personal loans 0 Agricultural 0 0 Corporate 12.16 Auto loans 0 Infrastructure- Transport 0 Basic Metal and Metal Products 0 Infrastructure 0 Infrastructure- Energy 0 Gems and Jewellery 0 Housing 0 MSME 0 Personal Loan 0 Retail 69.27 0 Others 18.57

IDFC First Bank Ltd.

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