Investor Presentation FY22 & Q4FY22 Financial Results
Advances Book Split
42.6%
Corporate
1 Split basis gross retail advances
40.0%
Break up of Advances & Deposits
All figures in INR Crs
Sustained Granularization of Balance Sheet:
CASA + Retail TDs at 61.6% v/s 61.3% in Q3FY22
Average daily CA grew by 50.3% Y-o-Y
31-Mar-21
31-Dec-21
31-Mar-22
QoQ Growth (%)
YoY Growth (%)
Current Account Deposits
18,997
24,522
26,389
8%
39%
Savings Bank Deposits
23,590
31,475
34,970
11%
48%
CASA
42,587
55,997
61,360
10%
44%
-
Average daily SA grew by 41.2% Y-o-Y
CASA Ratio
26.1%
30.4%
31.1%
~311K CASA Accounts opened in Q4FY22
Term Deposits (TD)
120,359
128,291
135,832
6%
13%
of which CDs
6,896
5,080
4,264
-16%
-38%
Retail Advances mix at 36.0% v/s. 33.7% in Q3FY22
Total Deposits
162,947
184,288
197,192
7%
21%
10.7%
10.8%
13.0%
13.1%
Medium Enterprises
SME
Retail
Book Size: INR 181,052 Cr
Retail Banking Assets¹
1% 1%
2%
33.7%
36.0%
■31-Dec-21
■31-Mar-22
9%
2%
2%
0
14%
15%
17%
20%
17%
■ Secured Business Loans
■ Personal Loans
■ Auto Loans
■Commercial Vehicle Loans
■ Home Loans
■ Construction Equipment Loans
■ Healthcare Finance Loans
■ Business Loans
Loan Against Securities
Inventory Funding
■ Others
16
YES
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