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Name of the CompanyIDFC First Bank
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CMP47.3
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No. of Outstanding Shares568
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Market Cap 26,847
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P&L (Rs. Crore) March EndingFY18FY19FY20FY21FY22 EFY23 EFY24 E
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Interest earned 8,930 11,948.17 16,308 15,968 17,476 19,272 20,578
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Less: Interest Cost 7,132 8,749.08 10,232 8,588 8,999 9,639 10,977
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Net Interest Income 1,798 3,199.09 6,076 7,380 8,477 9,633 9,601
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NIM2%2%4%5%5%6%5%
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Fee Income 431 762 1,420 1,500 1,650 1,814 1,996
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Treasury Income 685 81 280 749 - - -
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Other operating Income 2 96 22 5 - - -
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Net Operating Income 2,916 4,138 7,798 9,634 10,127 11,448 11,597
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Employee Cost 676 1,118 1,528 1,977 2,273.52 2,728.23 3,410.28
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Y-o-Y Growth (%)65%37%29%15%20%25%
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Depriciation 163 2,813 305 329 327 351 375
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Y-o-Y Growth (%)1620%-89%8%-1%7%7%
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Other Operating Expenses 813 1,956 4,028 4,787 5,086.20 5,779.90 5,760.45
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OOE/NII45%61%66%65%60%60%60%
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Pre-Provision Operating Profit 1,263 (1,749) 1,937 2,541 2,440 2,589 2,051
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Provisions and Contingencies 404 195 4,801 2,088 2,267 2,607 2,998
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Add: Other Income - - - - - - -
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Add: Exceptional Items - - - - - - -
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Profit Before Tax 1,027 (3,295) (2,379) 476 231 (24) (1,262)
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Tax Expenses (168.00) 1,351.01 (485.69) (23.50) (57.80) 5.96 315.48
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Effective Tax Rate (ETR)-16%-41%20%-5%25%25%25%
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Profit After Tax 859 (1,944) (2,864) 452 173 (18) (946)
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Dividedn Paid (304.78) (294.02) - - 26.01 (2.68) (141.97)
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Dividend Payout-35%15% - - 15%15%15%
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Balance Sheet (Rs. Crore) (March Ending)FY18FY19FY20FY21FY22 EFY23 EFY24 E
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Assets
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Total Cash & Cash Equivalents 4,892 9,567 4,191 5,828 (5,025) (479) 11,378
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Investments 61,202 58,475 45,405 45,412 50,014.65 55,546.97 63,729.22
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Investments/TEF (%)58%42%37%34%35%35%35%
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Gross Loans & Advances 98,127 112,517 104,829 115,661 132,676 140,946 146,454
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Less: Provisions 45,962 26,215 19,234 15,111 17,378 19,984 22,982
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Net Loans & Advances 52,165 86,302 85,595 100,550 115,298 120,962 123,472
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Net Fixed Assets 784 950 1,038 1,266 1,340 1,389 1,414
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Other Assets 7,478 11,890 12,972 10,088 10,088 10,088 10,088
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Total Assets 126,520 167,185 149,200 163,144 171,716 187,507 210,081
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Liabilities
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Face Value Per share10101010101010
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Equity Share Capital 3,404 4,782 4,810 5,676 5,676 5,676 5,676
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Reserves & Surplus11852.4635 13,378 10,533 12,132 12,279 12,264 11,460
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Total Shareholder Equity 15,257 18,159 15,343 17,808 17,955 17,940 17,136
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Total Deposits 48,198 70,479.0087 65,108 88,688 104,169 123,849 148,969
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Borrowings 57,287 69,983 57,397 45,786 38,730 34,857 33,114
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Other Liabilities 5,778 8,563 11,353 10,862 10,862 10,862 10,862
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Total Liabilities 126,520 167,185 149,200 163,144 171,716 187,507 210,081
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Check - - - 0.00 - - -
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Cash Flow (Rs. Crore) (March Ending)FY18FY19FY20FY21FY22 EFY23 EFY24 E
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CFO
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Profit After Tax 859 (1,944) (2,864) 452 173 (18) (946)
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Provision of Tax (168) 1,351 (486) (24) (58) 6 315
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Profit Before Tax 1,027 (3,295) (2,379) 476 231 (24) (1,262)
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Add: Depriciation 163 2,813 305 329 327 351 375
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Add: Provision & Contingencies 338 1,628 4,444 2,171 2,266.63 2,607 2,998
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Add: Other Non cash items 12 52 0 (16) - - -
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Operating Profit before WC 1,542 1,198 2,371 2,961 2,825 2,934 2,110
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Changes in WC (7,143) 16,018 8,685 10,566 (1,534) 11,409 19,613
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Operating After WC Changes (5,601) 17,216 11,056 13,526 1,290 14,343 21,724
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Taxes (Paid)/Refund (340) 77 (129) 535 (57.80) 5.96 315.48
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Net CFO (5,941) 17,293 10,927 14,061 1,232 14,349 22,039
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CFI
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Capex (162) (257) (393) (542) (400) (400) (400)
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Change in Investments (857) (1,093) (3,371) (2,284) (4,602.90) (5,532.33) (8,182.25)
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Others11.1666.96 - - - - -
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Net CFI (1,008) (1,282) (3,764) (2,826) (5,003) (5,932) (8,582)
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