Key Financials
| Parameter | Q2 FY25 | Q2 FY24 | YoY | Q1 FY25 | QoQ | H1 FY25 | H1 FY24 |
|---|---|---|---|---|---|---|---|
| Net Interest Income | 1,615 | 1,475 | 9% | 1,700 | (5%) | 3,315 | 2,897 |
| Other Income | 927 | 704 | 32% | 805 | 15% | 1,733 | 1,390 |
| Net Total Income | 2,542 | 2,179 | 17% | 2,505 | 1% | 5,048 | 4,287 |
| Operating Profit | 910 | 731 | 24% | 859 | 6% | 1,769 | 1,378 |
| Net Profit | 223 | 294 | (24%) | 372 | (40%) | 594 | 582 |
| Parameter | Q2 FY25 | Q2 FY24 | Q1 FY25 | H1 FY25 | H1 FY24 |
|---|---|---|---|---|---|
| Other Income/Total Income | 36.5% | 32.3% | 32.1% | 34.3% | 32.4% |
| Cost/Incom | 64.2% | 66.5% | 65.7% | 65.0% | 67.8% |
| Net Interest Margin | 5.04% | 5.54% | 5.67% | 5.35% | 5.54% |
| Credit Cost/Advances(bps) - Not Annualised for quarters | 80 | 90* | 59 | 140 | 129* |
| RoA | 0.64% | 1.00% | 1.14% | 0.88% | 1.00% |
| RoE | 5.76% | 8.38% | 9.88% | 7.79% | 8.39% |
* Credit Cost includes Contingency Buffer on Credit Cards + Microfinance + Personal Loans of 37 bps for Q2 & H1 FY24
| Advances | September 30, 2024 | September 30, 2023 | YoY |
|---|---|---|---|
| Advances | 87,882 | 76,324 | 15% |
| Deposits | 107,959 | 89,780 | 20% |
| Investment | 30,373 | 29,643 | 2% |
| Parameter | September 30, 2024 | September 30, 2023 | June 30, 2024 |
|---|---|---|---|
| CASA | 33.6% | 35.7% | 32.6% |
| GNPA | 2.88% | 3.12% | 2.69% |
| NNPA | 0.79% | 0.78% | 0.74% |
|
PCR |
72.98% | 75.64% | 73.1% |
| CRAR* | 15.92% | 17.07% | 15.56% |
*CRAR for interim financial periods has been computed after including interim results for better comparison
