IDFC First Bank Ltd.

Financial

	IDFC First Bank	Ujjivan Small Fin	Dhanlaxmi Bank
Operational Metrics
Banking Sector
Net Interest Margin	6.36 %	9.4 %	3.22 %
Credit Deposit Ratio	98.6 %	85.45 %	70.69 %
Capital to Risks Assets Ratio (CRAR)	16.11 %	24.69 %	12.71 %
Tier 2 Capital	2.75 %	2.11 %	1.35 %
Tier I Capital	13.36 %	22.58 %	11.36 %
Cost To Income Ratio	72.89 %	56.0 %	88.66 %
Gross NPA	1.88 %	2.1 %	4.05 %
Net NPA	0.6 %	0.3 %	1.25 %
CASA Ratio	47.2 %	26.49 %	30.66 %
CASA vs Liabilities	31.97 %	20.62 %	27.45 %
NBFC
Cost of Borrowing	6.27 %	7.2 %	5.38 %
Financials
5 yr Average ROE	-2.79 %	9.46 %	5.67 %
5yr average Equity Multiplier	9.25	7.2	15.31
5yr Average Asset Turnover Ratio	0.11	0.15	0.08
5yr Avg Net Profit Margin	-3.6 %	6.34 %	3.65 %
5yr Avg Net Profit Margin	-3.6 %	6.34 %	3.65 %
5yr CAGR Net Profit	n/a	40.74 %	33.43 %
5yr CAGR Sales	15.81 %	18.47 %	2.27 %
5 yr CAGR PPOP	n/a	36.88 %	5.35 %
Price to Book	1.7	1.82	1.04
P/E	18.68	7.99	18.55
Shareholdings
Promoter Holding	37.43 %	73.52 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.55 %	-9.8 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-0.19 %	0.54 %	0.0

Business

	IDFC First Bank	Ujjivan Small Fin	Dhanlaxmi Bank
Loan Break-Up	Loan Break-Up Loan Against Property 28.5 Wheels 10.0 Rural Finance 10.0 Financial Services 8.0 Emerging Large Corporates 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 Corporates 0 Individual 0 Group Loans 0 FIG 0 Two Wheeler Loans 0 Staff Loans 0 Personal Loans 0 Advances against deposits 0 Agriculture Loans 0 Institutional Lending 0 MSE 0 Secured Housing 0 Micro Banking 0 Retail 0 Gold 0 SME 0 Agri & Micro 0 Corporate 0 Others 21.5	Loan Break-Up Digital, Gold Loan and Others 0 Individual 16.0 Secured Housing 17.0 SME 0 Infrastructure 0 MSE 5.0 Loan Against Property 0 Advances against deposits 0 Wheels 0 Large Corporates 0 Consumer Finance 0 Small & Medium Enterprises (SME) loans 0 Institutional Lending 0 Financial Services 0 Two Wheeler Loans 0 Retail 0 Corporate 0 Personal Loans 0 Agri & Micro 0 Rural Finance 0 FIG 0 Commercial Finance 0 Microfinance 54.0 Staff Loans 0 Credit Cards 0 Gold 0 Emerging Large Corporates 0 Group Loans 0 Agriculture Loans 0 Others 8.0	Loan Break-Up Digital, Gold Loan and Others 0 Individual 0 Secured Housing 0 SME 16.19 Infrastructure 0 MSE 0 Loan Against Property 0 Advances against deposits 0 Wheels 0 Large Corporates 0 Consumer Finance 0 Small & Medium Enterprises (SME) loans 0 Institutional Lending 0 Financial Services 0 Two Wheeler Loans 0 Retail 23.06 Corporate 26.57 Personal Loans 0 Agricultural 8.25 Rural Finance 0 FIG 0 Commercial Finance 0 Micro Banking 0 Staff Loans 0 Credit Cards 0 Gold 25.94 Emerging Large Corporates 0 Group Loans 0 Agriculture Loans 0
Segment Break-Up	Segment Break-Up Consumer Finance 59.95 Treasury Operations 26.93 Corporate Banking 11.47 Wholesale Banking 0 Corporate/ Wholesale Banking 0 Others 1.65	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Corporate Banking 2.1 Treasury Operations 0 Corporate/ Wholesale Banking 0 Others 97.9	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Wholesale Banking 0 Treasury Operations 0 Corporate Banking 27.45 Others 72.55
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 West India 0 East India 0 South India 0 North India 0	Location Wise Break-Up Rest of the World 0 India 0 East India 26.0 South India 30.0 West India 17.0 North India 27.0	Location Wise Break-Up Rest of the World 0 India 100.0 East India 0 South India 0 West India 0 North India 0
Borrowings Break-Up	Borrowings Break-Up Borrowings outside India 0.73 Reserve Bank of India 0 RBI 0 Non-Convertible Redeemable Debenture 0 Other Banks 0 Lower Tier II bonds 0 Upper Tier II bonds 0 Others 99.27	Borrowings Break-Up Non-Convertible Redeemable Debenture 0 Reserve Bank of India 0 Upper Tier II bonds 0 Lower Tier II bonds 0 Borrowings outside India 0 Other banks - India 5.68 RBI 9.46 Others 84.86	Borrowings Break-Up Non-Convertible Redeemable Debenture 0 Reserve Bank of India 0 Upper Tier II bonds 0 Lower Tier II bonds 30.46 Borrowings outside India 0 Other Banks 0 RBI 0 Others 69.54
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Retail Banking 56.77 Treasury 30.5 Wholesale Banking 11.48 Others 1.25	-	-
Profit Before Tax	Profit Before Tax Retail Banking 51.64 Wholesale Banking 25.99 Treasury 4.88 Others 17.49	-	-
NPA Break-Up	NPA Break-Up Infrastructure 24.99 Personal Loan 24.16 Services 20.98 Industrial & Commercial 13.49 Auto loans 6.99 Housing 5.92 Agricultural 3.48 Infrastructure- Energy 0 Personal loans 0 0 Agriculture and Allied activities 0 Personal loans (Other than above) 0 0	NPA Break-Up Auto loans 0 Advances to industries 5.4 Infrastructure- Energy 0 0 Agricultural 0 Housing 0 Agricultural 19.35 Personal Loan 68.48 Personal loans (Other than above) 0 Infrastructure 0 Personal Loan 0 Industrial & Commercial 0 Services 6.77	NPA Break-Up Auto loans 0 0 Infrastructure- Energy 0 Priority Sector 7.02 Agricultural 0 Housing 0 Agriculture and Allied activities 0 Personal loans 0 Personal Loan 13.47 Infrastructure 0 Personal Loan 0 Industrial & Commercial 0 Services 68.87 Others 10.64
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 68.83 Priority Sector 31.17 Non-Priority sector 0 Priority sector 0 Non-Priority 0 Priority 0	Priority vs Non-Priority Sector Priority 0 Priority Sector 73.85 Non Priority Sector 26.15 Priority Sector 0 Non Priority Sector 0 Non-Priority 0	Priority vs Non-Priority Sector Priority Sector 50.26 Priority sector 0 Non-Priority sector 0 Priority Sector 0 Non Priority Sector 0 Non Priority Sector 49.74

IDFC First Bank Ltd.

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