Consolidated Financial Performance and Improved Deposit Profile
Q4 - FY21 Performance Highlights
Steady operational metrics in Q4 FY21
PPOP at Rs. 3,129 crs, grew by 10% YoY; PPOP / Assets at 3.68%
➤ NII at Rs. 3,535 crs; up by 9% YoY. NIM at 4.13% and Fee Income back to pre-Covid levels
Consol PAT at Rs. 926 crs up by 194% YoY and 12% QoQ
➤ PCR stands at 75%; Total loan related provisions at 122% of GNPA and 3.33% of loans
> Loan book quality stable; GNPA and NNPA for Q4FY21 at 2.67% and 0.69% respectively
➤ CRAR at 17.38% post promoters contribution of Rs. 2,021 crs at Rs. 1,709 per share
Cost / Income at 41.13% (42.90% LY) amid continued investment in network & digital augmentation
Liquidity Coverage Ratio (LCR) stands at 145%,
➤ Healthy growth in deposit (+27%) with 9,907 crs increase in retail LCR deposits QoQ & CASA (+31%)
➤ Client base at 28 million
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