Equitas Sma. Fin

Market Cap: Mid Cap
Industry: Bank - Private
ISIN: INE063P01018
NSEID: EQUITASBNK
BSEID: 543243

INR

57.55

0.73 (1.28%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 18.21 lacs

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Half Yearly Results

Results Snapshot

Figures in Rs cr

Standalone Half Yearly Results

Sep'24

Sep'23

Sep'22

Sep'21

Sep'20

Mar'20

Sep'19

Interest Earned

3,055.82

2,612.95

1,942.76

1,662.55

1,518.85

1,402.58

1,242.86

Income On Investments

324.22

234.65

134.32

116.41

100.55

77.79

79.86

Interest On Balances With Rbi Other Inter Bank Funds

40.97

11.25

49.62

37.47

26.70

35.64

32.15

Interest / Discount On Advances / Bills

2,690.64

2,367.05

1,758.82

1,508.66

1,391.60

1,289.16

1,130.85

Others

0.00

Other Income

447.63

352.74

278.25

248.77

83.71

159.27

123.08

Total Income

3,503.46

2,965.69

2,221.01

1,911.32

1,602.57

1,561.86

1,365.94

Interest Expended

1,452.03

1,104.23

752.50

717.68

653.32

594.98

555.16

Net Interest Income

1,603.79

1,508.72

1,190.26

944.87

865.53

807.60

687.70

Total Expenditure (Excl Depreciation)

1,361.32

1,219.16

958.01

837.23

597.17

620.05

560.03

Employee Cost

777.09

659.49

500.75

449.19

382.28

370.83

338.96

Other Operating Expenses

584.23

559.67

457.26

388.04

214.89

249.22

221.07

Operating Profit Before Provisions and Contingencies

690.11

642.31

510.51

356.41

352.07

346.83

250.74

Exceptional Items

0.00

Provisions and contingencies

634.29

123.26

231.70

285.34

142.62

170.46

76.18

Profit Before Tax

55.82

519.05

278.81

71.07

209.45

176.38

174.56

Tax

17.18

129.71

65.38

17.95

48.79

39.28

68.02

Profit After Tax

38.64

389.34

213.43

53.12

160.66

137.10

106.54

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

38.64

389.34

213.43

53.12

160.66

137.10

106.54

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

0.34

3.47

1.7

0.46

1.53

1.3

1.06

Diluted Earnings per share

0.34

3.43

1.69

0.46

1.53

1.34

1.06

Operating Profit Margin (Excl OI)

34.7%

48.62%

38.76%

32.48%

51.29%

47.1%

48.81%

Gross Profit Margin

1.83%

19.86%

14.35%

4.27%

13.79%

16.04%

14.05%

PAT Margin

1.26%

14.9%

10.99%

3.2%

10.58%

9.77%

8.57%

Net Interest Margin

0.0%

9.02%

0.0%

Return on Assets

0.08%

1.01%

0.71%

0.21%

0.76%

0.0%

CASA (%)

0.0%

34.0%

48.0%

45.0%

25.0%

0.0%

CASA Amount

0.00

10,349.00

10,423.00

8,200.00

3,246.00

2,208.21

0.00

Capital Adequacy Ratio (Total)

0.0%

23.61%

21.58%

Capital Adequacy Ratio (Tier 1)

0.0%

22.44%

0.0%

Provision Coverage Ratio (%)

0.0%

57.72%

50.49%

50.09%

58.98%

0.0%

Amount of Gross NPAs

1,022.82

660.50

870.26

880.83

399.65

417.32

377.22

Amount of Net NPAs

330.29

279.29

430.88

439.64

198.92

247.61

230.87

% of Net NPAs

0.97%

1.97%

2.46%

1.03%

1.66%

1.63%

% of Gross NPAs

2.95%

2.27%

3.91%

4.82%

2.48%

2.72%

2.88%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

356.0

345.0

335.0

322.0

0.0

Number of Branches

0.0

956.0

887.0

861.0

856.0

0.0

Half Yearly Analysis Highlights

Interest Earned

Growth in half year ended Sep 2024 is 16.95% vs 34.5% in Sep 2023

Net Profit

Growth in half year ended Sep 2024 is -90.08% vs 82.42% in Sep 2023

Operating Profit (PBDIT)

Growth in half year ended Sep 2024 is 7.44% vs 25.82% in Sep 2023

% of Net NPAs

Growth in half year ended Sep 2024 is 0.00% vs -1.00% in Sep 2023

% of Gross NPAs

Growth in half year ended Sep 2024 is 0.68% vs -1.64% in Sep 2023

Compare Half Yearly Results Of Equitas Sma. Fin With

Select Peers

Figures in Rs cr

Standalone Half Yearly Results

Change(INR)

Change(%)

Interest Earned

3,055.82

15,449.64

-12,393.82

-80.22%

Income On Investments

324.22

2,938.08

-2,613.86

-88.96%

Interest On Balances With Rbi Other Inter Bank Funds

40.97

170.92

-129.95

-76.03%

Interest / Discount On Advances / Bills

2,690.64

11,559.18

-8,868.54

-76.72%

Others

0.00

781.46

-781.46

-100.0%

Other Income

447.63

2,605.59

-2,157.96

-82.82%

Total Income

3,503.46

18,055.23

-14,551.77

-80.6%

Interest Expended

1,452.03

11,005.16

-9,553.13

-86.81%

Net Interest Income

1,603.79

4,444.48

-2,840.69

-63.92%

Total Expenditure (Excl Depreciation)

1,361.32

5,189.51

-3,828.19

-73.77%

Employee Cost

777.09

1,987.72

-1,210.63

-60.91%

Other Operating Expenses

584.23

3,201.79

-2,617.56

-81.75%

Operating Profit Before Provisions and Contingencies

690.11

1,860.56

-1,170.45

-62.91%

Exceptional Items

0.00

Provisions and contingencies

634.29

508.87

125.42

24.65%

Profit Before Tax

55.82

1,351.69

-1,295.87

-95.87%

Tax

17.18

296.22

-279.04

-94.2%

Profit After Tax

38.64

1,055.47

-1,016.83

-96.34%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

38.64

1,055.47

-1,016.83

-96.34%

Face Value

10.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

0.34

0.00

Diluted Earnings per share

0.34

0.00

Operating Profit Margin (Excl OI)

34.70%

63.12%

0.00

-28.42%

Gross Profit Margin

1.83%

8.75%

0.00

-6.92%

PAT Margin

1.26%

6.83%

0.00

-5.57%

Net Interest Margin

0.00%

0.00

0.00%

Return on Assets

0.08%

0.00%

0.08

0.08%

CASA (%)

0.00%

32.00%

-32.00

-32.00%

CASA Amount

0.00

88,601.00

-88,601.00

-100.0%

Capital Adequacy Ratio (Total)

0.00%

15.60%

-15.60

-15.60%

Capital Adequacy Ratio (Tier 1)

0.00%

13.20%

-13.20

-13.20%

Provision Coverage Ratio (%)

0.00%

70.00%

-70.00

-70.00%

Amount of Gross NPAs

1,022.82

3,889.43

-2,866.61

-73.7%

Amount of Net NPAs

330.29

1,168.02

-837.73

-71.72%

% of Net NPAs

0.97%

1.60%

-0.63

-0.63%

% of Gross NPAs

2.95%

1.60%

1.35

1.35%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

0.00

1,325.00

-1,325.00

-100.0%

Number of Branches

0.00

1,237.00

-1,237.00

-100.0%

Half Yearly - Interest Earned

Interest Earned 3055.82 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 16.95% vs 34.5% in Sep 2023

Half Yearly - Net Profit

Net Profit 38.64 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is -90.08% vs 82.42% in Sep 2023

Half Yearly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 690.11 Cr

in Sep 2024

Figures in Rs Cr

Growth in half year ended Sep 2024 is 7.44% vs 25.82% in Sep 2023

Half Yearly - % of Net NPAs

% of Net NPAs 0.97%

in Sep 2024

Figures in Rs %

Growth in half year ended Sep 2024 is 0.00% vs -1.00% in Sep 2023

Half Yearly - % of Gross NPAs

% of Gross NPAs 2.95%

in Sep 2024

Figures in Rs %

Growth in half year ended Sep 2024 is 0.68% vs -1.64% in Sep 2023