Investor Presentaiton
Q2 FY22 Highlights Contd....
Strong Revenue and Operating
Profit Growth
■ Total Revenue grew 12% YoY to
1508 crore
■
Core Fee Income grew 46%
YoY to Rs. 506 crore
Operating profit grew 2% YoY to
Rs. 691 crore
Handsome Deposit Growth
Continues..
■ Total Deposits grew 17% YoY and
1% QoQ
■ CASA grew 33% YoY and 7%
QoQ
Highest ever CASA ratio at 35.4%,
up 170bps sequentially
■ SA Deposits grew 35% YoY
Retail Deposits (as per LCR
definition) grew 6% QoQ to 41.6%
Healthy Capitalisation and
Liquidity Levels
▪ CRAR at 16.33% and CET 1 to
15.54%
■ RWA/Total assets stable at 73.3%
▪ LCR at 155% for the quarter
Asset Quality
■ GNPA at 5.40%; NNPA at 2.14%
■ PCR (incl tech w/off) sequentially
increased by 28bps to 76.59%
■ PCR (ex-tech write off)
increased 72bps sequentially to
61.66%
■ Rating Profile improving with
78.3% in the A- and better
category from 75.1% in Q2 FY21
Continued Increase in customer
base and distribution network
Customer base increased by
0.14 million QoQ, to 9.97 million
Distribution network of 445
branches, 386 ATMs and 1435
BC branches
Digital Business Update
■▪ Ranked #8 in AEPS transactions
processed, increase in AEPS
volumes by 31% QoQ
■ Coverage of 22.69 lakhs
Merchants
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