• Q3 FY21
  • Quarter-3 Results 2020-21

Major Highlights of Q3FY21

Steady performance for the quarter, incorporating the impact of income de-recognition and provisions per IRAC norms and prudent accounting practices towards further strengthening of balance sheet

Steady growth in stable and granular retail deposits continues to aid loan growth

  • Loan book (including TLTRO) grew by 9% YOY
  • On QAB basis, CASA and RTD deposits grew 16% YOY. CASA ratio at 42%, improved 232 bps YOY and 158 bps QOQ
  • On QAB basis, SA grew 14% YOY and 4% QOQ, Retail SA grew 20% YOY, CA grew 15% YOY and 4% QOQ
  • Retail SA witnessed broad based growth of 19% YOY led by our focus on deepening and premiumisation

QAB: Quarterly Average Balance
* Operating profit excluding trading profit and exchange gain on capital repatriated from overseas branch
Coverage Ratio = Aggregate provisions (specific + standard + additional + COVID) / IRAC GNPA
Standard Assets Coverage Ratio (SACR) = Standard asset provisions plus additional provisions plus COVID provision / Standard loans

Snapshot (As on December 31st, 2020) (in ` Crores)

Profit & Loss Absolute (in ` Crores) YOY Growth
  Q3FY21 9MFY21 Q3FY21 9MFY21
Net Interest Income 0 0 0% 0%
Fee Income 0 0 0% (0%)
Operating Expenses 0 0 0% 0%
Operating Profit 0 0 0% 0%
Net Profit 0* 0 (0%) 0%

* Net of impact of prudent choices ~ `1,050 crs

Balance Sheet Absolute (in ` Crores) YOY Growth
  Q3FY21  
Total Assets 0 0%
Net Advances 0 0%
Total Deposits^ 0 0%
Shareholders' Funds 0 0%

^ period end balances

Key Ratios Absolute (in ` Crores)  
  Q3FY21 / 9MFY21 Q3FY20 / 9MFY20
Diluted EPS* (in `) (Q3/9M) 14.47 / 17.61 24.71 / 14.91
Book Value per share (in `) 0 0
ROA* (in %) (Q3/9M) 0.48 / 0.56 0.86 / 0.50
ROE* (in %) (Q3/9M) 4.91 / 6.13 8.83 / 5.86
Gross NPA Ratio 0.44% 0.00%
Net NPA Ratio 0.74% 0.09%
Basel III Tier I CAR1 0.48% 0.54%
Basel III Total CAR1 0.31% 0.72%

* Annualised

1 including profit for 9M