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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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

1,611.93

1,554.87

1,500.95

1,444.65

1,428.80

1,358.99

1,253.96

Income On Investments

163.74

169.97

154.25

156.56

148.54

126.14

108.51

Interest On Balances With Rbi Other Inter Bank Funds

23.19

18.92

22.05

8.67

5.77

7.64

3.61

Interest / Discount On Advances / Bills

1,425.00

1,365.98

1,324.66

1,279.43

1,274.49

1,225.22

1,141.83

Others

0.00

Other Income

238.41

238.93

208.70

240.45

205.48

181.37

171.37

Total Income

1,850.34

1,793.80

1,709.66

1,685.11

1,634.27

1,540.37

1,425.33

Interest Expended

793.54

752.56

699.47

658.76

643.65

593.41

510.82

Net Interest Income

818.39

802.31

801.48

785.89

785.15

765.58

743.14

Total Expenditure (Excl Depreciation)

723.95

691.52

669.79

651.59

630.31

616.77

602.39

Employee Cost

425.48

402.42

374.67

363.40

346.05

331.51

327.97

Other Operating Expenses

298.47

289.10

295.12

288.19

284.26

285.26

274.42

Operating Profit Before Provisions and Contingencies

332.85

349.72

340.40

374.75

360.31

330.19

312.12

Exceptional Items

0.00

Provisions and contingencies

243.11

329.66

304.64

106.60

84.38

63.20

60.07

Profit Before Tax

89.74

20.06

35.76

268.15

275.93

266.99

252.05

Tax

23.44

7.18

10.00

60.53

73.93

68.86

60.85

Profit After Tax

66.30

12.88

25.76

207.62

202.00

198.14

191.20

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

66.30

12.88

25.76

207.62

202.00

198.14

191.20

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

0.58

0.11

0.23

1.83

1.79

1.77

1.72

Diluted Earnings per share

0.58

0.11

0.22

1.81

1.77

1.74

1.69

Operating Profit Margin (Excl OI)

40.01%

34.32%

35.08%

47.52%

49.98%

49.97%

47.17%

Gross Profit Margin

5.57%

1.29%

2.38%

18.56%

19.31%

19.65%

20.1%

PAT Margin

4.11%

0.83%

1.72%

14.37%

14.14%

14.58%

15.25%

Net Interest Margin

7.39%

7.69%

7.97%

8.17%

8.37%

8.43%

8.76%

Return on Assets

0.13%

0.03%

0.06%

0.47%

0.48%

0.49%

0.51%

CASA (%)

0.0%

31.0%

32.0%

33.0%

34.0%

38.4%

CASA Amount

11,668.00

12,184.00

11,724.00

11,552.00

10,628.00

10,349.00

10,687.00

Capital Adequacy Ratio (Total)

0.0%

Capital Adequacy Ratio (Tier 1)

0.0%

Provision Coverage Ratio (%)

68.28%

67.71%

70.29%

56.06%

55.97%

57.72%

57.79%

Amount of Gross NPAs

1,071.87

1,022.82

889.04

821.28

750.26

660.50

770.18

Amount of Net NPAs

340.05

330.29

264.13

360.90

330.34

279.29

325.10

% of Net NPAs

0.96%

0.97%

0.83%

1.17%

1.13%

0.97%

1.18%

% of Gross NPAs

2.97%

2.95%

2.73%

2.61%

2.53%

2.27%

2.75%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

375.0

370.0

365.0

363.0

356.0

352.0

Number of Branches

994.0

987.0

969.0

964.0

963.0

956.0

927.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2024 is 3.67% vs 3.59% in Sep 2024

Net Profit

QoQ Growth in quarter ended Dec 2024 is 414.75% vs -50.00% in Sep 2024

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2024 is -4.82% vs 2.74% in Sep 2024

% of Net NPAs

QoQ Growth in quarter ended Dec 2024 is -0.01% vs 0.14% in Sep 2024

% of Gross NPAs

QoQ Growth in quarter ended Dec 2024 is 0.02% vs 0.22% in Sep 2024

Compare Quarterly Results Of Equitas Sma. Fin With

Select Peers

Figures in Rs cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

1,611.93

7,829.14

-6,217.21

-79.41%

Income On Investments

163.74

1,416.82

-1,253.08

-88.44%

Interest On Balances With Rbi Other Inter Bank Funds

23.19

120.48

-97.29

-80.75%

Interest / Discount On Advances / Bills

1,425.00

5,904.92

-4,479.92

-75.87%

Others

0.00

386.92

-386.92

-100.0%

Other Income

238.41

1,512.01

-1,273.60

-84.23%

Total Income

1,850.34

9,341.15

-7,490.81

-80.19%

Interest Expended

793.54

5,605.62

-4,812.08

-85.84%

Net Interest Income

818.39

2,223.52

-1,405.13

-63.19%

Total Expenditure (Excl Depreciation)

723.95

2,656.51

-1,932.56

-72.75%

Employee Cost

425.48

1,003.87

-578.39

-57.62%

Other Operating Expenses

298.47

1,652.64

-1,354.17

-81.94%

Operating Profit Before Provisions and Contingencies

332.85

1,079.02

-746.17

-69.15%

Exceptional Items

0.00

Provisions and contingencies

243.11

258.68

-15.57

-6.02%

Profit Before Tax

89.74

820.34

-730.60

-89.06%

Tax

23.44

208.07

-184.63

-88.73%

Profit After Tax

66.30

612.27

-545.97

-89.17%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

66.30

612.27

-545.97

-89.17%

Face Value

10.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

0.58

0.20

0.38

190.0%

Diluted Earnings per share

0.58

0.19

0.39

205.26%

Operating Profit Margin (Excl OI)

40.01%

62.76%

0.00

-22.75%

Gross Profit Margin

5.57%

10.48%

0.00

-4.91%

PAT Margin

4.11%

7.82%

0.00

-3.71%

Net Interest Margin

7.39%

2.40%

4.99

4.99%

Return on Assets

0.13%

0.00%

0.13

0.13%

CASA (%)

0.00%

33.10%

-33.10

-33.10%

CASA Amount

11,668.00

91,650.00

-79,982.00

-87.27%

Capital Adequacy Ratio (Total)

0.00%

15.20%

-15.20

-15.20%

Capital Adequacy Ratio (Tier 1)

0.00%

12.59%

-12.59

-12.59%

Provision Coverage Ratio (%)

68.28%

71.20%

-2.92

-2.92%

Amount of Gross NPAs

1,071.87

3,963.47

-2,891.60

-72.96%

Amount of Net NPAs

340.05

1,142.62

-802.57

-70.24%

% of Net NPAs

0.96%

0.50%

0.46

0.46%

% of Gross NPAs

2.97%

1.60%

1.37

1.37%

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

375.00

1,326.00

-951.00

-71.72%

Number of Branches

994.00

1,247.00

-253.00

-20.29%

Quarterly - Interest Earned

Interest Earned 1611.93 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 3.67% vs 3.59% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 12.82% vs 34.36% in Dec 2023

Quarterly - Net Profit

Net Profit 66.30 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is 414.75% vs -50.00% in Sep 2024

YoY Growth in quarter ended Dec 2024 is -67.18% vs 18.73% in Dec 2023

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 332.85 Cr

in Dec 2024

Figures in Rs Cr

QoQ Growth in quarter ended Dec 2024 is -4.82% vs 2.74% in Sep 2024

YoY Growth in quarter ended Dec 2024 is -7.62% vs 29.09% in Dec 2023

Quarterly - % of Net NPAs

% of Net NPAs 0.96%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is -0.01% vs 0.14% in Sep 2024

YoY Growth in quarter ended Dec 2024 is -0.17% vs -0.69% in Dec 2023

Quarterly - % of Gross NPAs

% of Gross NPAs 2.97%

in Dec 2024

Figures in Rs %

QoQ Growth in quarter ended Dec 2024 is 0.02% vs 0.22% in Sep 2024

YoY Growth in quarter ended Dec 2024 is 0.44% vs -1.10% in Dec 2023