Profitability & Capital Adequacy Presentation
Analysis of Loans & Advances by nature of business (Personal vs Business finance)
Gross Loans & Advances (In Rs. Crore)
Retail Finance
Sep-22
Jun-23
Sep-23
YoY (%)
QoQ (%)
81,354
97,327
1,04,603
29%
7%
- Home Loan
16,925
20,139
21,257
26%
6%
- Loan Against Property
18,740
20,103
21,629
15%
8%
- Vehicle Loans
- Consumer Loans
- Education Loans
- Credit Card
- Gold Loan*
- Others
Rural Finance
SME & Corporate Finance
- of which CV/CE Financing*
- of which Business Banking*
- of which Corporate Loans
Infrastructure
12,615
16,365
17,842
41%
9%
19,000
22,329
23,235
22%
4%
578
1,285
1,761
205%
37%
2,706
3,893
4,282
58%
10%
124
363
563
353%
55%
10,665
12,851
14,034
32%
9%
15,142
20,744
22,828
51%
10%
42,874
49,749
52,448
22%
5%
2,520
4,247
4,934
96%
16%
3,994
5,354
6,102
53%
14%
24,883
27,662
29,324
18%
6%
Total Gross Loans & Advances
5,992
1,45,362
3,758
1,71,578
3,356
-44%
-11%
1,83,236
26%
7%
* Rural Finance, CV/CE Financing, Business Banking, Gold Loans, Home Loans (< Rs. 30 Lacs) largely contribute to the PSL requirements of the Bank and hence are focus areas
1.
The figures above are net of Inter-Bank Participant Certificate (IBPC) transactions & includes credit substitutes
2.
3.
4.
Lending to commercial banking businesses and SMEs through working capital loans, business banking, commercial vehicle, trade advances, term loans, security receipts, loan converted to equity etc. have been combined with
corporate banking as these are all pertaining to financing businesses.
Home Loans, vehicle finance, education loans, gold loans, credit cards, etc have been combined under Retail banking as this represents financing to individuals. Loan against property has been retained as part of retail banking
as is the convention in the banking system reporting.
Others include digital lending, revolving credit, retail portfolio buyout etc.
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