Profitability & Capital Adequacy Presentation
The Bank is performing well on the guidance given for FY 25 at the time of the merger
Dec-18
Sep-23
Particulars
Guidance for FY24-FY25
Status
(At Merger)
Last quarter
Top 10 borrowers as % of Total Loans & Advances (%)
12.8%
< 5%
2.5%
Achieved
GNPA (%)
1.97%
2.0% -2.5%
2.11%
On Track
Asset Quality
NNPA (%)
0.95%
1.0% 1.2%
0.68%
On Track
Provision Coverage Ratio³ (%)
53%
~70%
84%
On Track
Net Interest Margin (%)
3.10%
5.0% - 5.5%
6.32%¹
Achieved
Cost to Income Ratio² (%)
81.56%
65% ^
72.66%
Behind Schedule
Profitability
Return on Asset (%)
Return on Equity (%)
1. Gross of IBPC & Sell-down
2. Excluding Trading Gains
-3.70%
1.4-1.6%
1.16%
On Track
-36.81%
13-15%
11.03%
On Track
3. Including technical write-offs.
Note: Earnings for Dec-18 are for the quarter, NIM, ROA, ROE are annualized for the corresponding quarter.
^ guidance for Q4-FY25
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