Strong growth across deposits and loans, robust operating performance, improving asset quality
Healthy growth in granular deposits
Strong loan growth delivered across focused business segments
Robust operating performance
Well capitalized with adequate liquidity buffers
Continue to maintain strong position in Payments and Digital space
Declining gross slippages and NPA’s, moderating credit costs, limited restructuring
Key subsidiaries consistently delivered strong performance
Q4 FY22 Consolidated ROE (annualized) at 16.67% with subsidiaries contributing 80 bps
1. SBB : Small Business Banking
2. Coverage Ratio = Aggregate provisions (specific + standard + additional + Covid) / IRAC GNPA
QAB: Quarterly Average Balance
Snapshot (As on March 31st, 2022) (in ` Crores)
Profit & Loss | Absolute (in ` Crores) | YOY Growth | ||
---|---|---|---|---|
Q4FY22 | FY22 | Q4FY22 | FY22 | |
Net Interest Income | 8,819 | 33,132 | 17% | 13% |
Fee Income | 3,758 | 13,001 | 11% | 22% |
Operating Expenses | 6,576 | 23,611 | 23% | 28% |
Operating Profit | 6,466 | 24,742 | 13% | 7% |
Net Profit | 4,118 | 13,025 | 54% | 98% |
Balance Sheet | Absolute (in ` Crores) | YOY Growth | ||
---|---|---|---|---|
FY22 | ||||
Total Assets | 11,75,178 | 19% | ||
Net Advances | 7,07,696 | 15% | ||
Total Deposits^ | 8,21,721 | 18% | ||
Shareholders' Funds | 1,15,025 | 13% |
^ period end balances
Key Ratios | Absolute | |
---|---|---|
FY22 | FY21 | |
Diluted EPS* (in `) (Q4/FY) | 54.27 / 42.35 | 35.37 / 22.09 |
Book Value per share (in `) | 375 | 332 |
ROA* (Q4/FY) | 1.46 / 1.21 | 1.11 / 0.70 |
ROE* (Q4/FY) | 15.87 / 12.91 | 11.72 / 7.55 |
Gross NPA Ratio | 2.82% | 3.70% |
Net NPA Ratio | 0.73% | 1.05% |
Basel III Tier I CAR | 16.34% | 16.47% |
Basel III Total CAR | 18.54% | 19.12% |
* Annualised
Q4FY22
FY22
Strong growth witnessed in customer acquisitions, driving healthy deposit growth
Wealth Management business Burgundy continues to show strong growth
Loan growth delivered across focused business segments
Retain strong positioning in Payments and Digital Banking
Well capitalized with adequate liquidity buffers
Declining net slippages and NPA’s, moderating credit costs, limited restructuring
Bank’s domestic subsidiaries4 deliver strong performance, combined FY22 PAT grew 44% to `1,195 crores
* For the period Aug 21 to Feb 22 based on issuances
** ratings on Google Play & Apple App stores
1 QAB – Quarterly Average Balance
2 Statutory Liquidity ratio
3 (specific+ standard+ additional + Covid)
4 Figures of subsidiaries are as per Indian GAAP, as used for consolidated financial statements of the Group