Highlights
|
Key Summary of Q4FY22 Results
In Rs Crores |
Q4FY21 |
Q3FY22 |
Q4FY22 |
YoY % |
QoQ % |
FY21 |
FY22 |
YoY % |
Profit & Loss |
||||||||
Interest Income |
65,102 |
69,678 |
70,733 |
8.65 |
1.51 |
2,65,151 |
2,75,457 |
3.89 |
Interest Expenses |
38,035 |
38,991 |
39,535 |
3.95 |
1.40 |
1,54,441 |
1,54,750 |
0.20 |
Net Interest Income |
27,067 |
30,687 |
31,198 |
15.26 |
1.66 |
1,10,710 |
1,20,708 |
9.03 |
NIM, % (Domestic) |
3.11 |
3.40 |
3.40 |
29 bps |
0 bps |
3.26 |
3.36 |
10 bps |
Operating Profit |
19,700 |
18,522 |
19,717 |
0.08 |
6.45 |
71,554 |
75,292 |
5.22 |
Loan loss provisions |
9,914 |
3,096 |
3,262 |
-67.10 |
5.35 |
27,244 |
14,087 |
-48.29 |
Exceptional Items* |
|
|
|
|
|
|
7,418 |
|
Profit after tax |
6,451 |
8,432 |
9,114 |
41.28 |
8.08 |
20,410 |
31,676 |
55.19 |
*Provisions on account of change in family pension rules
In Rs Crores |
Mar 21 |
Dec 21 |
Mar 22 |
YoY % |
QoQ % |
Balance Sheet |
|||||
Gross advances |
25,39,393 |
26,64,602 |
28,18,671 |
11.00 |
5.78 |
Domestic Corporate |
8,18,705 |
7,83,379 |
8,70,712 |
6.35 |
11.15 |
Domestic Retail Personal |
8,70,711 |
9,52,189 |
10,02,303 |
15.11 |
5.26 |
Of which: Home loans |
5,03,779 |
5,38,475 |
5,61,651 |
11.49 |
4.30 |
Deposits |
36,81,277 |
38,47,794 |
40,51,534 |
10.06 |
5.29 |
Domestic CASA |
16,46,974 |
17,00,688 |
17,75,084 |
7.78 |
4.37 |
Domestic Term Deposits |
19,23,191 |
20,17,823 |
21,45,117 |
11.54 |
6.31 |
CASA Ratio (%) |
46.13 |
45.74 |
45.28 |
-85 bps |
-46 bps |
GNPA |
1,26,389 |
1,20,029 |
1,12,023 |
-11.37 |
-6.67 |
NNPA |
36,810 |
34,540 |
27,966 |
-24.03 |
-19.03 |
Ratios, % |
Q4FY21 |
Q3FY22 |
Q4FY22 |
YoY, bps |
QoQ, bps |
FY21 |
FY22 |
YoY, bps |
Asset Quality |
||||||||
GNPA |
4.98 |
4.50 |
3.97 |
-101 |
-53 |
4.98 |
3.97 |
-101 |
NNPA |
1.50 |
1.34 |
1.02 |
-48 |
-32 |
1.50 |
1.02 |
-48 |
PCR (Incl AUCA) |
87.75 |
88.32 |
90.20 |
245 |
188 |
87.75 |
90.20 |
245 |
PCR |
70.88 |
71.22 |
75.04 |
416 |
382 |
70.88 |
75.04 |
416 |
Slippage Ratio |
3.57 |
0.37 |
0.43 |
-314 |
6 |
1.18 |
0.99 |
-19 |
Credit Cost |
1.61 |
0.49 |
0.49 |
-112 |
0 |
1.12 |
0.55 |
-57 |
Capital Ratios |
||||||||
CET-1 ratio |
10.02 |
9.38 |
9.94 |
-8 |
56 |
10.02 |
9.94 |
-8 |
Tier-1 ratio |
11.44 |
10.91 |
11.42 |
-2 |
51 |
11.44 |
11.42 |
-2 |
CAR |
13.74 |
13.23 |
13.83 |
9 |
60 |
13.74 |
13.83 |
9 |
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