Quarterly Results Results Snapshot
YoYQoQ
Figures in Rs cr
Standalone Quarterly Results
Dec'24
Sep'24
Jun'24
Mar'24
Dec'23
Sep'23
Jun'23
Interest Earned
8,509.44
8,202.62
8,334.79
8,337.08
7,809.21
7,350.66
7,225.28
Income On Investments
2,590.17
2,546.75
2,463.30
2,546.34
2,349.48
2,334.38
2,280.19
Interest On Balances With Rbi Other Inter Bank Funds
194.02
244.04
248.33
268.80
249.88
270.98
330.63
Interest / Discount On Advances / Bills
5,688.68
5,402.04
5,402.05
5,304.02
5,168.52
4,730.32
4,504.30
Others
36.57
9.79
221.11
217.92
41.33
14.98
110.16
Other Income
1,229.20
1,646.70
1,165.13
1,361.66
1,329.72
1,061.26
958.64
Total Income
9,738.64
9,849.32
9,499.92
9,698.74
9,138.93
8,411.92
8,183.92
Interest Expended
4,969.32
4,792.14
4,787.06
4,796.23
4,657.36
4,322.97
4,049.35
Net Interest Income
3,540.12
3,410.48
3,547.73
3,540.85
3,151.85
3,027.69
3,175.93
Total Expenditure (Excl Depreciation)
2,806.01
2,892.25
2,719.75
2,839.16
2,550.56
2,558.51
2,296.69
Employee Cost
1,792.63
1,827.05
1,713.64
1,722.10
1,663.96
1,436.20
1,489.89
Other Operating Expenses
1,013.38
1,065.20
1,006.11
1,117.06
886.60
1,122.31
806.80
Operating Profit Before Provisions and Contingencies
1,963.31
2,164.93
1,993.11
2,063.35
1,931.01
1,530.44
1,837.88
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
556.64
598.06
1,190.85
707.09
821.98
967.34
812.89
Profit Before Tax
1,406.67
1,566.87
802.26
1,356.26
1,109.03
563.10
1,024.99
Tax
447.74
654.03
-77.68
548.92
391.17
-42.33
606.56
Profit After Tax
958.93
912.84
879.94
807.34
717.86
605.43
418.43
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
958.93
912.84
879.94
807.34
717.86
605.43
418.43
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
1.1
1.05
1.01
0.93
0.83
0.7
0.48
Diluted Earnings per share
1.1
1.05
1.01
0.93
0.83
0.7
0.48
Operating Profit Margin (Excl OI)
60.48%
57.45%
53.08%
57.46%
56.81%
52.03%
56.96%
Gross Profit Margin
16.53%
19.1%
9.63%
16.27%
14.2%
7.66%
14.19%
PAT Margin
11.27%
11.13%
10.56%
9.68%
9.19%
8.24%
5.79%
Net Interest Margin
3.48%
3.44%
3.57%
3.58%
3.28%
3.29%
3.43%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
49.18%
48.93%
49.19%
50.02%
48.98%
49.4%
49.76%
CASA Amount
1,95,107.00
1,91,270.00
1,88,863.00
1,91,969.00
1,84,542.00
1,82,838.00
1,80,091.00
Capital Adequacy Ratio (Total)
16.43%
16.27%
15.68%
15.08%
14.74%
14.82%
14.42%
Capital Adequacy Ratio (Tier 1)
14.21%
14.01%
13.36%
12.46%
12.17%
12.14%
12.13%
Provision Coverage Ratio (%)
96.54%
96.31%
96.17%
93.58%
93.73%
92.54%
92.23%
Amount of Gross NPAs
10,459.89
11,604.25
11,387.61
11,340.34
10,786.49
10,666.03
10,890.84
Amount of Net NPAs
1,554.98
1,673.97
1,771.12
3,001.95
2,955.57
3,664.22
3,717.75
% of Net NPAs
0.59%
0.69%
0.73%
1.23%
1.27%
1.64%
1.75%
% of Gross NPAs
3.86%
4.59%
4.54%
4.5%
4.5%
4.62%
4.95%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
4085.0
4085.0
4085.0
4084.0
4083.0
4044.0
3888.0
Number of Branches
4541.0
4528.0
4517.0
4500.0
4494.0
4489.0
4493.0
Quarterly Analysis Highlights - QoQ
Interest Earned
QoQ Growth in quarter ended Dec 2024 is 3.74% vs -1.59% in Sep 2024
Net Profit
QoQ Growth in quarter ended Dec 2024 is 5.05% vs 3.74% in Sep 2024
Operating Profit (PBDIT)
QoQ Growth in quarter ended Dec 2024 is -9.31% vs 8.62% in Sep 2024
% of Net NPAs
QoQ Growth in quarter ended Dec 2024 is -0.10% vs -0.04% in Sep 2024
% of Gross NPAs
QoQ Growth in quarter ended Dec 2024 is -0.73% vs 0.05% in Sep 2024
Compare Quarterly Results Of Central Bank With
Figures in Rs cr
Standalone Quarterly Results
Change(INR)
Change(%)
Interest Earned
8,509.44
1,17,426.63
-1,08,917.19
-92.75%
Income On Investments
2,590.17
29,286.30
-26,696.13
-91.16%
Interest On Balances With Rbi Other Inter Bank Funds
194.02
1,243.90
-1,049.88
-84.4%
Interest / Discount On Advances / Bills
5,688.68
83,399.48
-77,710.80
-93.18%
Others
36.57
3,496.95
-3,460.38
-98.95%
Other Income
1,229.20
11,040.76
-9,811.56
-88.87%
Total Income
9,738.64
1,28,467.39
-1,18,728.75
-92.42%
Interest Expended
4,969.32
75,981.12
-71,011.80
-93.46%
Net Interest Income
3,540.12
41,445.51
-37,905.39
-91.46%
Total Expenditure (Excl Depreciation)
2,806.01
28,935.46
-26,129.45
-90.3%
Employee Cost
1,792.63
16,073.72
-14,281.09
-88.85%
Other Operating Expenses
1,013.38
12,861.74
-11,848.36
-92.12%
Operating Profit Before Provisions and Contingencies
1,963.31
23,550.81
-21,587.50
-91.66%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
556.64
911.06
-354.42
-38.9%
Profit Before Tax
1,406.67
22,639.75
-21,233.08
-93.79%
Tax
447.74
5,748.31
-5,300.57
-92.21%
Profit After Tax
958.93
16,891.44
-15,932.51
-94.32%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
958.93
16,891.44
-15,932.51
-94.32%
Face Value
10.00
1.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
1.10
18.93
-17.83
-94.19%
Diluted Earnings per share
1.10
18.93
-17.83
-94.19%
Operating Profit Margin (Excl OI)
60.48%
74.58%
0.00
-14.10%
Gross Profit Margin
16.53%
19.28%
0.00
-2.75%
PAT Margin
11.27%
14.38%
0.00
-3.11%
Net Interest Margin
3.48%
3.01%
0.47
0.47%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
49.18%
39.20%
9.98
9.98%
CASA Amount
1,95,107.00
19,65,237.00
-17,70,130.00
-90.07%
Capital Adequacy Ratio (Total)
16.43%
13.03%
3.40
3.40%
Capital Adequacy Ratio (Tier 1)
14.21%
10.85%
3.36
3.36%
Provision Coverage Ratio (%)
96.54%
74.66%
21.88
21.88%
Amount of Gross NPAs
10,459.89
84,360.38
-73,900.49
-87.6%
Amount of Net NPAs
1,554.98
21,377.64
-19,822.66
-92.73%
% of Net NPAs
0.59%
0.53%
0.06
0.06%
% of Gross NPAs
3.86%
2.07%
1.79
1.79%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
4,085.00
0.00
4,085.00
Number of Branches
4,541.00
0.00
4,541.00
Quarterly - Interest Earned
Interest Earned 8509.44 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is 3.74% vs -1.59% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 8.97% vs 16.27% in Dec 2023
Quarterly - Net Profit
Net Profit 958.93 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is 5.05% vs 3.74% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 33.58% vs 56.66% in Dec 2023
Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 1,963.31 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is -9.31% vs 8.62% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 1.67% vs 6.87% in Dec 2023
Quarterly - % of Net NPAs
% of Net NPAs 0.59%
in Dec 2024Figures in Rs %
QoQ Growth in quarter ended Dec 2024 is -0.10% vs -0.04% in Sep 2024
YoY Growth in quarter ended Dec 2024 is -0.68% vs -0.82% in Dec 2023
Quarterly - % of Gross NPAs
% of Gross NPAs 3.86%
in Dec 2024Figures in Rs %
QoQ Growth in quarter ended Dec 2024 is -0.73% vs 0.05% in Sep 2024
YoY Growth in quarter ended Dec 2024 is -0.64% vs -4.35% in Dec 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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