Investor Presentaiton
Key Metrics for Q4 FY 2021
Profitability - Strong operating momentum
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PAT at Rs.512 crore, up by 278% YoY and 35% QoQ
PBT at Rs.423 crore, up by 46% YoY
Operating Profit at Rs.2879 crore, up by 54% YoY and 76% QoQ
NII at Rs.3240 crore, grew by 38% YoY and 79% QoQ
NIM for Q4 FY 21 at 5.14%, improved by 134 bps YoY and 227 bps QoQ
Cost to Net Income Ratio at 34.87%, reduced by 1425 bps YoY and 1355 bps QoQ
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Business Performance - Focus on Granularity
CASA ratio at 50.45%, grew by 271bps YoY. CASA at Rs. 116491 crore grew by 10% YoY.
Structured Retail Assets grew by 2.74% YoY and 2.76% on QoQ
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Retail: Corporate Ratio (Gross Advances) improved to 62:38 from 56:44 as on Mar 2020
Cost of deposit at 3.91% reduced by 91 bps YoY and 27 bps on QoQ. For FY 2021 – 4.29%
Cost of funds at 4.16% reduced by 103 bps YoY and 23 bps on QoQ. For FY 2021 – 4.56%
IDBI BANK
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