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* Best ever performance across all parameters with PAT at ?310 crore/?1,100 crore for Q4/ FY23

* Disbursed ?6,001 crore /?20,037 crore for Q4/ FY23;

* Gross loan book up 33% Y-o-Y/ 10% Q-o-Q

* Collections/ asset quality at industry best; PAR at 3.8%; GNPA/NNPA at 2.6%/0.04%

* Deposits up 40% Y-o-Y/ 10% Q-o-Q; Retail TDs^{^} up 69% Y-o-Y/ 10% Q-o-Q

  * Assets

* Disbursements were at ?6,001 crore/ ?20,037 crore for Q4FY23/ FY23; crossing major milestones

* All-round growth with Housing and FIG crossing milestone of ?400 crore/ ?300 crore quarterly disbursement, disbursing ?439 crore/ ?318 crore respectively – highest ever for both the segments

* Gross loan book at ?24,085* crore up 33%/10% Y-o-Y/Q-o-Q

* Collection and Asset Quality

  * Continued traction on Collections with ~100% efficiency in Mar’23; NDA collection consistently at ~100%

* Portfolio at risk at 3.8% as of Mar’23* vs 4.9% as on Dec’22

* GNPA/ NNPA declined to 2.6% / 0.04%^#* as of Mar’23 against 3.4% / 0.05%^#* as of Dec’22

* Total of ? 67 crore written-off in Q4FY23; Provision coverage ratio as on Mar’23 is 98.4%^#

* Restructured book falls below 1%; constitutes only 0.9% of gross loan book* with provision cover of ~100% and collection efficiency of 111% in Mar’23

* Deposits

*

* Deposits

* Deposits at ?25,538 crore as of Mar’23 up by 40%/10% Y-o-Y/Q-o-Q

* Retail TD grew 69%/10% Q-o-Q/Y-o-Y

* CASA grew 35%/11% Q-o-Q/Y-o-Y taking CASA ratio at 26.4% as on Mar’23

* Healthy retail liability customer acquisition.

* Financials

* Q4/ FY23 NII of ?738 / ?2,698 crores up 36%/ 52% Y-o-Y; NIM at 9.1%^* for Q4FY23, 9.5% for FY23

* Cost to Income ratio at 55.2% in Q4FY23 vs 64.0% Y-o-Y; 54.8% for FY23 down from 70.1% Y-o-Y

* Q4 PPoP at ?411 crore up 70% Y-o-Y; PAT of ?310 crore up 145% Y-o-Y; FY23 PPoP at ?1,485 crore up 133% Y-o-Y; PAT of ?1,100 crore vs ?(415) crore in FY22

* Capital and Liquidity

* Capital adequacy ratio at 25.8% with Tier-1 capital at 22.7%

* Provisional LCR at 180% as of Mar’23

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