Share of Alternate Channels in total transactions has increased from 91% in FY20 to 93% in FY21.
Key Summary of Q4FY21 Results
|
In Rs Crores |
Q4FY20 |
Q3FY21 |
Q4FY21 |
YoY % |
QoQ % |
FY20 |
FY21 |
YoY % |
|
Profit & Loss |
||||||||
|
Interest Income |
62,681 |
66,734 |
65,102 |
3.86 |
-2.45 |
2,57,324 |
2,65,151 |
3.04 |
|
Interest Expenses |
39,914 |
37,915 |
38,035 |
-4.71 |
0.32 |
1,59,239 |
1,54,441 |
-3.01 |
|
Net Interest Income |
22,767 |
28,820 |
27,067 |
18.89 |
-6.08 |
98,085 |
1,10,710 |
12.87 |
|
NIM, % (Domestic) |
2.94 |
3.34 |
3.11 |
17 bps |
-23 bps |
3.19 |
3.26 |
7 bps |
|
Operating Profit |
18,465 |
17,333 |
19,700 |
6.69 |
13.66 |
68,133 |
71,554 |
5.02 |
|
Loan loss provisions |
11,894 |
2,290 |
9,914 |
-16.64 |
332.86 |
42,776 |
27,244 |
-36.31 |
|
Profit after tax |
3,581 |
5,196 |
6,451 |
80.15 |
24.14 |
14,488 |
20,410 |
40.88 |
|
In Rs Crores |
Mar 20 |
Dec 20 |
Mar 21 |
YoY % |
QoQ % |
|
Balance Sheet |
|||||
|
Gross advances |
24,22,845 |
24,56,607 |
25,39,393 |
4.81 |
3.37 |
|
Domestic Corporate |
8,44,215 |
7,88,208 |
8,18,705 |
-3.02 |
3.87 |
|
Domestic Retail Personal |
7,47,589 |
8,31,134 |
8,70,711 |
16.47 |
4.76 |
|
Of which: Home loans |
4,55,865 |
4,84,453 |
5,03,779 |
10.51 |
3.99 |
|
Deposits |
32,41,621 |
35,35,753 |
36,81,277 |
13.56 |
4.12 |
|
Domestic CASA |
14,10,981 |
15,46,424 |
16,46,974 |
16.73 |
6.50 |
|
Domestic Term Deposits |
17,13,635 |
18,78,391 |
19,23,191 |
12.23 |
2.39 |
|
CASA Ratio (%) |
45.16 |
45.15 |
46.13 |
97 bps |
98 bps |
|
GNPA |
1,49,092 |
1,17,244 |
1,26,389 |
-15.23 |
7.80 |
|
NNPA |
51,871 |
29,032 |
36,810 |
-29.04 |
26.79 |
|
Slippages (During the Quarter) |
8,105 |
237 |
21,934 |
170.63 |
|
|
Ratios, % |
Q4FY20 |
Q3FY21 |
Q3FY21 (With Proforma) |
Q4FY21 |
YoY, bps |
QoQ, bps* |
FY20 |
FY21 |
YoY, bps |
|
Asset Quality |
|||||||||
|
GNPA |
6.15 |
4.77 |
5.44 |
4.98 |
-117 |
-46 |
6.15 |
4.98 |
-117 |
|
NNPA |
2.23 |
1.23 |
1.81 |
1.50 |
-73 |
-31 |
2.23 |
1.50 |
-73 |
|
PCR (with AUCA) |
83.62 |
90.21 |
86.33 |
87.75 |
413 |
142 |
83.62 |
87.75 |
413 |
|
PCR (without AUCA) |
65.21 |
75.24 |
67.99 |
70.88 |
567 |
289 |
65.21 |
70.88 |
567 |
|
Slippage Ratio |
|
|
|
|
|
|
2.16 |
1.18 |
-98 |
|
Credit Cost |
|
|
|
|
|
|
1.87 |
1.12 |
-75 |
|
Capital Ratios |
|||||||||
|
CET-1 ratio |
9.77 |
10.27 |
|
10.02 |
25 |
-25 |
9.77 |
10.02 |
25 |
|
Tier-1 ratio |
11.00 |
11.73 |
11.44 |
44 |
-29 |
11.00 |
11.44 |
44 |
|
|
CAR |
13.06 |
14.50 |
13.74 |
68 |
-76 |
13.06 |
13.74 |
68 |
|
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