Investor Presentaiton
Q2 - FY21 Performance Highlights
Strengthened capital position by raising Rs. 3,288 crs; Capital Adequacy stands at 16.55%
PPOP at Rs 2,852 crs, grew by 9% YoY; PPOP / Assets at 3.66% amongst the industry highest
NII at Rs. 3278 crs; up by 13% YoY
NIM at 4.16% up by 6 bps YoY
➤ Consol PAT at Rs. 663 crs after Covid provisions of Rs. 952 crs taking total provision at Rs. 2,155 crs
Credit growth 2% YoY and Deposit growth 10% YoY
➤ PCR improved to 77%; Total loan related provisions at 132% of GNPA
➤ Liquidity Coverage Ratio (LCR) stands at 140%
Loan book quality stable; GNPA at 2.21% (reduction of 32 bps sequentially)
➤ NNPA improved to 0.52% from 0.86% QoQ
Efficiency ratio at 40.98% (43.42% LY)
➤ Client base at 26 million
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