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Key Highlights (Quarter ended Dec’22 over Dec’21)

Net Profit up by 102% YoY at 1396 Cr in Dec’22 from 690 Cr in Dec’21

Operating profit for Dec’22 up by 24% YoY at 4061 Cr from ` 3288 Cr in Dec’21

Net Interest Income increased by 25% YoY to 5499 Cr in Dec’22 from 4395 Cr in Dec’21

Fee based income grew by 6% YoY to 704 Cr in Dec’22

Cost-to-Income Ratio stood at 43.71% in Dec’22 as against 44.75% in Dec’21

Domestic NIM increased to 3.74% in Dec’22 from 3.03% in Dec’21

Return on Assets (RoA) improved to 0.80% in Dec’22 as against 0.43% in Dec’21

Return on Equity (RoE) increased to 15.21% for Dec’22 as against 8.26% in Dec’21

Advances increased by 13% YoY to 451658 Cr in Dec’22 from 400432 Cr in Dec’21

RAM (Retail, Agriculture & MSME) advances grew by 12% YoY to 262811 Cr in Dec’22 from 233738 Cr in Dec’21

RAM contribution to gross domestic advances is 62%. Retail, Agri & MSME advances grew by 15%, 15% and 6% YoY respectively. Home Loan (Including mortgage) grew by 12% YoY, Auto Loan by 27% YoY and Personal Loan by 35% YoY

Deposit increased by 6% YoY and reached to 597114 Cr in Dec’22

CASA ratio stood at 40.4%

GNPA decreased by 260 bps YoY to 6.53% in Dec’22 from 9.13%, NNPA reduced by 172 bps to 1% from 2.72% in Dec’21

Provision Coverage Ratio (PCR, including TWO) improved by 810 bps YoY to 93.59% from 85.49% in Dec’21

Capital Adequacy Ratio

11.97% YoY to 59 bps CET-I improved by 15.74%. at 

Tier I Capital improved by 55 bps YoY to 12.58%

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