• Total Business (Loans & Advances and Customer Deposits) grew from Rs. 3,65,956 crores as of December 31, 2023 to Rs. 4,58,213 crores as of December 31, 2024, YoY growth of 25.2%.
• Loans & Advances grew from Rs. 1,89,475 crores as of December 31, 2023 to Rs. 2,30,947 crores as of December 31, 2024, YoY growth of 21.9%. The QoQ growth was 3.7%.
• Customer Deposits grew from Rs. 1,76,481 crores as of December 31, 2023 to Rs. 2,27,266 crores as of December 31, 2024, YoY growth of 28.8%. The QoQ growth was 4.2%.
• CASA Deposits increased from Rs. 85,492 crores as on December 31, 2023 to Rs. 1,13,091 crores as of December 31, 2024, YoY growth of 32.3%. The QoQ growth was 3.5%.
• CASA Ratio stood at 47.8% as of December 31, 2024 as compared to 46.8% as of December 31, 2023 and 48.9% as of September 30, 2024.
• Credit-Deposit (CD) Ratio stood at 95.7% as of December 31, 2024 as compared to 101.4% as of December 31, 2023 and 97.7% as of September 30, 2024. The Bank has been bringing down the Credit-Deposit Ratio continuously since merger between IDFC Bank and Capital First in December 2018, by retiring legacy (pre-merger) bonds & borrowings and by scaling retail customer deposits. The Incremental Credit Deposit Ratio for trailing 12 months, i.e. from December 31, 2023 to December 31, 2024 is 76.6%. Loans and advances include Credit investment in Corporate Bonds, PTC, SR etc totaling Rs. 4,445 crores.
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