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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹3,310 Cr on total income of ₹11,749 Cr.
Cost-to-income ratio at 60.1%. Provision coverage at 1.6% of income.
“We expect to end the year with the ROE between 1.1% to 1.2%”
“cost to income ratio went up from 50% to more than 60% under previous management”
“ultimately to aim at NIM or ROA or controlling the cost to income and working within the framework of the regulator”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 9.2%▼ | 12.6% |
| Net Margin | 10.8%▼ | 12.3% |
| EBITDA Margin | 71.0%▲ | 68.7% |
| Debt To Equity | 8.17x▲ | 7.75x |
| Rev Growth 3yr | 12.7%▼ | 17.4% |
| EPS Growth 3yr | 27.3%▼ | 35.5% |
| NIM | 4.3%▼ | 390.0% |
| Cost To Income | 60.1% | - |
| Credit Deposit Ratio | 73.00x | 83.00x |
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Interest on Advances | ₹6,757 Cr -3.6% | ₹7,009 Cr +7.4% | ₹6,525 Cr +16.8% | ₹5,585 Cr +17.9% | ₹4,738 Cr -4.0% | ₹4,937 Cr |
| Income on Investments | ₹1,599 Cr +9.0% | ₹1,466 Cr -2.3% | ₹1,500 Cr +5.5% | ₹1,422 Cr +8.6% | ₹1,310 Cr +14.7% | ₹1,142 Cr |
| ₹1,426 Cr +12.3% | ₹1,270 Cr -3.7% | ₹1,319 Cr +32.9% | ₹993 Cr +4.1% | ₹954 Cr -36.2% | ₹1,495 Cr | |
| Total Income | ₹10,345 Cr +0.6% | ₹10,283 Cr +6.9% | ₹9,617 Cr +17.1% | ₹8,213 Cr +14.5% | ₹7,176 Cr -7.1% | ₹7,727 Cr |
| Interest Expended | ₹5,862 Cr +2.8% | ₹5,703 Cr +14.1% | ₹5,000 Cr +23.9% | ₹4,035 Cr +8.2% | ₹3,731 Cr -7.9% | ₹4,049 Cr |
| Employee Cost | ₹1,555 Cr +0.3% | ₹1,550 Cr +12.2% | ₹1,382 Cr +28.7% | ₹1,073 Cr +5.6% | ₹1,016 Cr +11.3% | ₹913 Cr |
| Other Operating Expenses | ₹1,193 Cr -0.8% | ₹1,202 Cr +12.1% | ₹1,072 Cr +19.6% | ₹897 Cr +12.7% | ₹795 Cr +3.8% | ₹766 Cr |
| Provisions & Contingencies | ₹257 Cr +37.7% | ₹186 Cr -69.0% | ₹601 Cr -21.7% | ₹767 Cr -18.3% | ₹939 Cr -32.3% | ₹1,387 Cr |
| Total Expenditure | ₹8,610 Cr +1.8% | ₹8,456 Cr +13.4% | ₹7,454 Cr +24.1% | ₹6,005 Cr +8.4% | ₹5,542 Cr -3.3% | ₹5,728 Cr |
| Profit Before Tax | ₹1,478 Cr -9.9% | ₹1,641 Cr +5.0% | ₹1,563 Cr +8.5% | ₹1,440 Cr +107.6% | ₹694 Cr +13.4% | ₹612 Cr |
| Tax | ₹323 Cr -12.4% | ₹368 Cr +43.7% | ₹256 Cr -1.7% | ₹261 Cr +40.3% | ₹186 Cr +43.7% | ₹129 Cr |
| Net Profit | ₹1,155 Cr -9.2% | ₹1,273 Cr -2.6% | ₹1,307 Cr +10.8% | ₹1,180 Cr +132.2% | ₹508 Cr +5.3% | ₹482 Cr |
| Profit (Owners) | ₹1,155 Cr -9.2% | ₹1,273 Cr -2.6% | ₹1,307 Cr +10.8% | ₹1,180 Cr +132.2% | ₹508 Cr +5.3% | ₹482 Cr |
| EPS | ₹30.55 | ₹33.68 | ₹34.64 | ₹37.77 | ₹16.33 | ₹15.52 |
| Diluted Shares | ₹38 Cr | ₹38 Cr | ₹38 Cr | ₹31 Cr | ₹31 Cr | ₹31 Cr |
| Other Interest | ₹518 Cr +4.3% | ₹497 Cr +94.4% | ₹255 Cr +20.9% | ₹211 Cr +49.1% | ₹142 Cr +15.5% | ₹123 Cr |
| Non Performing Assets | ₹4,025 Cr +300.7% | ₹1,005 Cr -11.0% | ₹1,129 Cr +10.6% | ₹1,021 Cr -25.8% | ₹1,377 Cr -16.1% | ₹1,642 Cr |
| Gross Non Performing Assets | ₹9,992 Cr +316.0% | ₹2,402 Cr -6.8% | ₹2,578 Cr +12.5% | ₹2,293 Cr +1.9% | ₹2,251 Cr -13.0% | ₹2,588 Cr |
| Interest (RBI & Others) | ₹46 Cr +11.1% | ₹41 Cr +129.1% | ₹18 Cr | ₹2 Cr -95.0% | ₹32 Cr +6.4% | ₹30 Cr |
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