Key Financials
| Parameter | Q3 FY25 | Q3 FY24 | YoY | Q2 FY25 | QoQ | 9M FY25 | 9M FY24 |
|---|---|---|---|---|---|---|---|
| Net Interest Income | 1,585 | 1,546 | 3% | 1,615 | (2%) | 4,900 | 4,443 |
| Other Income | 1,073 | 778 | 38% | 927 | 16% | 2,806 | 2,167 |
| Net Total Income | 2,658 | 2,323 | 14% | 2,542 | 5% | 7,706 | 6,610 |
| Operating Profit | 997 | 765 | 30% | 910 | 10% | 2,766 | 2,144 |
| Net Profit | 33 | 233 | (86%) | 223 | (85%) | 627 | 815 |
| Parameter | Q3 FY25 | Q3 FY24 | Q2 FY25 | 9M FY25 | 9M FY24 |
|---|---|---|---|---|---|
| Other Income/Total Income | 40.4% | 33.5% | 36.5% | 36.4% | 32.8% |
| Cost/Income | 62.5% | 67.1% | 64.2% | 64.1% | 67.6% |
| Net Interest Margin | 4.90% | 5.52% | 5.04% | 5.19% | 5.53% |
| Credit Cost/Advances (in bps, not annualised) | 139 | 48 | 80 | 282 | 178 |
| RoA | 0.09% | 0.75% | 0.64% | 0.61% | 0.92% |
| RoE | 0.84% | 6.48% | 5.76% | 5.44% | 7.74% |
* Additional provision on JLG loans resulted in credit cost of 49bps for Q3 FY25 and 51bps for 9M FY25
| Advances | December 31, 2024 | December 31 , 2023 | YoY |
|---|---|---|---|
| Advances | 90,412 | 79,949 | 13% |
| Deposits | 106,753 | 92,746 | 15% |
| Investment | 29,542 | 27,852 | 6% |
| Parameters | December 31, 2024 | December 31, 2023 | September 30, 2024 |
|---|---|---|---|
| CASA | 32.8% | 33.8% | 33.6% |
| GNPA | 2.92% | 3.12% | 2.88% |
| NNPA | 0.53% | 0.80% | 0.79% |
|
PCR |
82.17% | 75.08% | 72.98% |
| CRAR | 15.37% | 16.42% | 15.92% |
*CRAR for interim financial periods has been computed after including interim results for better comparison
