Highlights of Q3 FY22 Results
Highlights of Q3 FY22 Results
Funded Assets & Asset Quality
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Funded Assets: Grew by 11% YoY to reach Rs. 1,22,219 crore
Section 1: Executive
Summary for Q3 FY22
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✓ Retail Loan and Commercial Finance grew by 26% Y-o-Y to reach Rs. 86,052 crore, primarily driven by growth in Home
Loans which grew by 44% YOY
Asset quality at Bank Level: GNPA and NNPA reduced sequentially by 31 bps and 35 bps to reach 3.96% and 1.74% respectively
Gross and Net NPA of Retail and Commercial Finance reduced by 53 bps and 37 bps respectively
✓ PCR increased from 52.06% as at Sept 30, 2021 to 57.06% at December 31, 2021 in order to strengthen the balance
sheet. (67% including technical write-off)
✓ Collection Efficiency: Early bucket collection efficiency in Retail surpassed Pre-COVID levels for both urban and rural retail
loans
Capital Adequacy Ratio & Liquidity
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Capital Adequacy Ratio: Strong at 15.38% with CET-1 Ratio at 14.83%
Average Liquidity Coverage Ratio (LCR): Strong at 149% for Q3-FY22.
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