ank Q4 Results Today, HDFC Bank, ICICI Bank & Yes Bank Q4 results live updates April 19, 2025: Find all the latest updates related to the FY25 Q4 results of HDFC Bank, Yes Bank, ICICI Bank, and few more companies here.
Key highlights:
Yes Bank posts 63% rise in Q4 profit on lower provisions
HDFC Bank Q4 profit rises 6.7% y-o-y, NII up 10%
ICICI Bank Q4 net profit up to ₹12,630 crore
Just Dial, Mastek, Infosys, Wipro, Jio Financial Services, HDFC Life Insurance Company, Tata Elxsi and HDFC Asset Management Company are some of the companies that announced results this week.
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- 18:48 | April 19, 2025
Yes Bank Q4 results live updates: Yes bank posts 6% growth in net interest income, eyes better-yielding loans
The bank’s net interest income (NII)–difference between interest earned and expended—rose 6 per cent y-o-y to ₹2,276 crore,while non-interest income grew 11 per cent on-year to ₹1,739 crore. Net interest margin (NIM) rose slightly to 2.5 per cent in Q4 from 2.4 per cent in Q3. Going ahead, the lender aims to increase the share of better yielding loans to ensure lower credit cost.
The bank is now also fully compliant with priority sector lending (PSL) norms, and on track to reduce its deposits in lower yielding regional infrastructure development fund (RIDF) to below 5 per cent of the book by FY27 from 8.7 per cent in March. Reduction in RIDF balance over time is seen as beneficial for the bank’s margin.
- 18:10 | April 19, 2025
ICICI Bank Q4 results live updates: ICICI Bank’s total loans rise up 13.9%
The bank’s standalone net profit rose 18% to a record 126.30 billion rupees ($1.48 billion) in the January-March quarter, above the average analyst forecast of 118.16 billion rupees, according to data compiled by LSEG.
ICICI Bank’s total loans rose 13.9% from the same period a year earlier, led by strong retail demand, while deposits grew by 14%.
Net interest income, the difference between interest earned on loans and paid on deposits, increased by 11% to 211.93 billion rupees.
- 18:08 | April 19, 2025
Yes Bank Q4 results live updates: YES Bank Q4 PAT up 63% to ₹738 crore
YES Bank’s overall advances stood at ₹2.46 lakh crore as on March end, up 8 per cent y-o-y, whereas deposits rose 7 per cent on-year to ₹2.84 lakh crore. The bank is targeting 12-15 per cent credit growth in FY26 and deposits will grow slightly higher than advances.
The lender continues to maintain its strategy of maintaining 60-40 per cent retail-corporate loan mix, despite de-growth in retail book this year. It aims to keep credit-deposit ratio at 85 per cent. Importantly, the lender has decided to reduce interest rate on savings bank account balance on various buckets by up to 2 per cent, effective April 21.
Further, YES Bank’s asset quality improved in the reporting quarter, with gross and net non-performing asset ratio falling to 1.6 per cent and 0.3 per cent from 1.7 per cent and o.6 per cent in March 2024, respectively. A majority of the bank’s fresh slippages in Q4 came from retail loans. Overall provisions, meanwhile, fell 33 per cent y-o-y to ₹318 crore in Q4.
Responding to reports of a few top retail bank executives being terminated by the bank, YES Bank MD, CEO Prashant Kumar said the bank revisited its strategy on building both retail and wholesale book, which led to exit of a few senior leaders. He said the roles became redundant, but commended the executives who were let go due to a shift in strategy.
- 18:07 | April 19, 2025
Yes bank Q4 results live: Business growth of Yes bank
- 17:37 | April 19, 2025
Yes Bank Q4 results live updates: Shares of Yes Bank closed 1.2% higher on Thursday ahead of the results.
- 17:31 | April 19, 2025
HDFC Bank Q4 results live updates: Shares of HDFC Bank ended 1.5% higher on Thursday, ahead of a market holiday on Friday
- 17:15 | April 19, 2025
ICICI Bank Q4 results live updates: ICICI Bank shares closed 3.7% higher ahead of the results on Thursday
ICICI Bank’s net interest margin, a key gauge of profitability, was 4.41%, from 4.40% a year earlier and 4.25% in the previous quarter. Asset quality improved, with the gross non-performing assets (NPA) ratio at 1.67% at the end of March, versus 1.96% three months earlier.
Shares of ICICI Bank closed 3.7% higher ahead of the results on Thursday
- 17:14 | April 19, 2025
ICICI Bank Q4 results live: Net interest income, the difference between interest earned on loans and paid on deposits, increased by 11% to 211.93 billion rupees.
- 17:13 | April 19, 2025
ICICI Bank Q4 results live: ICICI Bank’s total loans rose 13.9% from the same period a year earlier, led by strong retail demand, while deposits grew by 14%.
- 17:09 | April 19, 2025
ICICI Bank Q4 results live updates: ICICI Bank beats estimates with 18% quarterly profit growth
ICICI Bank, India’s second-largest private lender by assets, reported higher-than-expected quarterly profit on Saturday, helped by healthy loan growth and net interest income.
The bank’s standalone net profit rose 18% to a record 126.30 billion rupees ($1.48 billion) in the January-March quarter, above the average analyst forecast of 118.16 billion rupees, according to data compiled by LSEG.
- 17:06 | April 19, 2025
HDFC Q4 results live: HDFC bank’s net interest income up 10%
The lender is a bellwether for the sector, which has been facing constraints to raise deposits over the last year. India’s central bank lowered its forecast for the economy earlier this month, warning of a “growth dampener” in the face of damaging US tariffs. Meanwhile, interest rate cuts are also set to weigh on margins of banks.
The bank’s net interest income rose 10% from a year earlier to 320.7 billion rupees. It will pay a dividend of 22 rupees a share.
Loans grew 5.4% to 26.44 trillion rupees at the end of March, while deposits grew 14.1% to 27.2 trillion rupees. Gross non-performing assets were 1.33%, compared with an estimate of 1.39%.
- 16:53 | April 19, 2025
HDFC Bank Q4 results live updates: HDFC Bank Posts Profit Growth Higher Than Analyst Forecasts
HDFC Bank Ltd., India’s largest private sector lender, reported a forecast-beating quarterly profit, driven by higher interest income.
Net income grew about 7% from a year earlier to 176.2 billion rupees ($2.1 billion) in the three months ended March, according to a statement Saturday. That beat the average estimate of 170.2 billion rupees, based on a Bloomberg survey of analysts.
- 16:43 | April 19, 2025
Q4 results live: Sify Technologies’s Q4 net loss
The city-based company had registered a net profit of ₹8.9 crore during the corresponding quarter of the previous financial year.
For the full financial year ending March 31, 2025, the net loss of the company stood at ₹78.5 crore, as against a net profit of ₹16.8 crore in the previous year.
- 16:32 | April 19, 2025
YES Bank Q4 results live updates: YES Bank Q4 PAT up 63% to ₹738 crore
Private sector lender YES Bank kicked off banks’ Q4FY25 earnings results, reporting 63 per cent year-on-year (y-o-y) rise in net profit for the quarter ended March at ₹738 crore. For FY25, the bank’s bottom line rose 92 per cent to ₹2,406 crore.
Yes Bank posts 63% rise in Q4 profit on lower provisions
Yes Bank’s standalone net profit rose to ₹738 crore for the financial year fourth quarter from ₹452 crore in the same period a year earlier.
- 16:23 | April 19, 2025
ICICI Bank Q4 net profit up to ₹12,630 crore
ICICI Bank on Saturday reported a 15.7 per cent jump in March quarter consolidated net profit at ₹13,502 crore.
On a standalone basis, the second largest private sector lender’s net profit for the January-March quarter came at ₹12,630 crore, up 18 per cent, as against ₹10,708 crore in the year-ago period.
- 16:08 | April 19, 2025
ICICI Bank Q4 results live: Credit growth
The net domestic advances grew by 13.9% year-on-year and 2.2% sequentially at March 31, 2025. The retail loan portfolio grew by 8.9% year-on-year and 2.0% sequentially, and comprised 52.4% of the total loan portfolio at March 31, 2025. Including non-fund outstanding, the retail portfolio was 43.8% of the total portfolio at March 31, 2025. The business banking portfolio grew by 33.7% year-on-year and 6.2% sequentially at March 31, 2025. The rural portfolio grew by 5.1% year-on-year and declined by 1.5% sequentially at March 31, 2025. The domestic corporate portfolio grew by 11.9% yearon-year and declined by 0.4% sequentially at March 31, 2025. Total advances increased by 13.3% year-on-year and 2.1% sequentially to ₹ 13,41,766 crore (US$ 157 billion) at March 31, 2025.
- 16:04 | April 19, 2025
ICICI Bank Q4 results live: Board recommends a dividend of ₹ 11 per share for FY2025.
- 16:03 | April 19, 2025
ICICI Bank Q4 results live: Key highlights on deposits and CASA ratio
- Total period-end deposits grew by 14.0% year-on-year to ₹ 16,10,348 crore (US $ 188.4 billion) at March 31, 2025
- Average deposits grew by 11.4% year-on-year to ₹ 14,86,635 crore (US$ 173.9 billion) in Q4-2025
- Average current account and savings account (CASA) ratio was 38.4% in Q42025
- Domestic loan portfolio grew by 13.9% year-on-year to ₹ 13,10,981 crore (US$ 153.4 billion) at March 31, 2025
- Net NPA ratio declined to 0.39% at March 31, 2025 from 0.42% at December 31, 2024
- Provisioning coverage ratio on non-performing loans was 76.2% at March 31, 2025
- Total capital adequacy ratio was 16.55% and CET-1 ratio was 15.94%, on a standalone basis, at March 31, 2025 after reckoning the impact of proposed dividend
- 16:01 | April 19, 2025
HDFC Bank Q4 profit rises 6.6 pc to Rs 17,616 cr – PTI
HDFC Bank on Saturday posted a 6.6 per cent increase in standalone profit at Rs 17,616 crore in the fourth quarter of 2024-25.
The country’s biggest private sector lender had earned a net profit of Rs 16,512 crore in the same quarter a year ago.
Total income increased to Rs 89,488 crore during the quarter under review, as against Rs 89,639 crore in the same period of last year, HDFC Bank said in a regulatory filing.
The bank reported interest income of Rs 77,460 crore during the January-March quarter of 2024-25, compared to Rs 71,473 crore in the same period a year ago.
The board of the bank recommended a dividend of Rs 22 per equity share of Re 1 each for the year ended March 31, 2025.
As regards asset quality, the bank witnessed slight deterioration, with gross Non-Performing Assets (NPAs) rising to 1.33 per cent of the gross loans by the end of March 2025, from 1.24 per cent a year ago.
Similarly, net NPAs or bad loans rose to 0.43 per cent, from 0.33 per cent at the end of the fourth quarter of the previous fiscal year.
On a consolidated basis, the bank clocked a growth of 6.8 per cent in net profit to Rs 18,835 crore, as against Rs 17,622 crore in Q4 FY24.
The bank’s total Capital Adequacy Ratio (CAR) as per Basel III guidelines was at 19.6 per cent as on March 31, 2025.
Total balance sheet size as of March 31, 2025 was Rs 39.10 lakh crore, as against Rs 36.17 lakh crore as of March 31, 2024, it added.
PTI
- 15:58 | April 19, 2025
ICICI Bank Q4 results live: Consolidated profit up 15.7% y-o-y
Consolidated profit after tax increased by 15.7% year-on-year to ₹ 13,502 crore (US$ 1.6 billion) in Q4-2025 and by 15.3% year-on-year to ₹ 51,029 crore (US$ 6.0 billion) in FY2025
- 15:57 | April 19, 2025
ICICI Bank Q4 results live: Core operating profit grew by 13.7% year-on-year to ₹ 17,425 crore
- 15:56 | April 19, 2025
ICICI Bank Q4 results live: Profit after tax grew by 18.0% year-on-year to ₹ 12,630 crore in March 2025 quarter
- 15:50 | April 19, 2025
Q4 results live: India’s HDFC Bank beats January-March profit forecasts – Reuters
HDFC Bank beat analysts’ forecasts for January-March profits on Saturday, helped by higher net interest income and improving asset quality.
The country’s biggest private lender posted standalone net profit of 176.16 billion rupees ($2.06 billion) for the financial fourth quarter, up from 167.36 billion rupees in the previous three months and above the analysts’ estimate of 170.27 billion rupees, according to data compiled by LSEG.
Net interest income, the difference between interest earned and paid, rose 4.6% to 320.7 billion rupees, core net interest margin rose to 3.54% from 3.43% on total assets, and to 3.73% from 3.62% on interest-earning assets.
Excluding interest on an income tax refund worth 117 billion rupees, HDFC’s core net interest margin was 3.46% on total assets and 3.65% on interest-earning assets.
The Mumbai-based lender cut its savings interest rates by 25 basis points after three years on hold, following 50 bps of central bank policy rate cuts since February.
The cut is expected to boost HDFC Bank’s margins from the next quarter, analysts say.
HDFC Bank’s merger with parent HDFC in 2023 added a large pool of loans to its portfolio but a much smaller amount of deposits, putting it under pressure to increase the pace of raising deposits or slow loan growth.
Its deposits rose 5.9% from the previous quarter to 27.15 trillion rupees, while gross advances, or loans sanctioned and disbursed, rose around 4%.
HDFC Bank’s asset quality improved, with gross its non-performing assets ratio falling to at 1.33% at the end of March from 1.42% three months earlier.
Shares of HDFC Bank ended 1.5% higher on Thursday, ahead of a market holiday on Friday.
Reuters
- 15:44 | April 19, 2025
HDFC Bank Q4 results live: Average, CASA deposits
The Bank’s average deposits were ‘₹25,280 billion for the March 2025 quarter, a growth of 15.8% over ₹21,836 billion for the March 2024 quarter, and 3.1 % over ₹24,528 billion for the December 2024 quarter. The Bank’s average CASA deposits were ₹8,289 billion for the March 2025 quarter, a growth of 5.7% over ₹ 7,844 billion for the March 2024 quarter, and 1.4% over ₹8,176 billion for the December 2024 quarter.
- 15:42 | April 19, 2025
HDFC Bank Q4 profit rises 6.7% y-o-y, NII up 10%
HDFC Bank Q4 results: reports 6.7% increase in profit y-o-y
HDFC Bank Q4 results live: Board announces final dividend of ₹22 per share
- 15:35 | April 19, 2025
Q4 results live: Sify Technologies reports Q4 net loss at ₹57.8 cr
Comprehensive ICT service and solution provider Sify Technologies has reported a net loss of ₹57.8 crore for the March 2025 quarter, the company said on Saturday.
- 15:19 | April 19, 2025
HDFC Bank Q4 results live:
HDFC Bank recorded its standalone net profit for the quarter ended March 2025 at ₹17,616.14 crore, up 6.68% from ₹16511.85 crore in corresponding quarter previous year.
The board has declared final dividend of ₹22 per share, record date is June 27.
- 15:12 | April 19, 2025
Yes Bank Q4 results live: Key highlights
Fourth successive quarter of reduction in C/I in line with guidance.
FY25 RoA at 0.6% v/s. 0.3% in FY24. Q4FY25 RoA at 0.7% v/s. 0.5% in Q4FY24 & 0.6%
in Q3FY25
Net Profit for Q4FY25 at INR 738 Crs up 63.3% Y-o-Y & 20.6% Q-o-Q. FY25 Net Profit
at INR 2,406 Crs up 92.3% Y-o-Y
- 15:10 | April 19, 2025
Q4 results live: Sify Technologies reports Q4 net loss at Rs 57.8 cr – PTI
- 14:58 | April 19, 2025
Yes Bank Q4 results live: SME Advances up 23.6% Y-o-Y; Mid- Corporate Advances up 21.8% Y-o-Y
- 14:46 | April 19, 2025
ICICI Bank Q4 results live: Recent business update
ICICI Bank recently sold its entire shareholding of 19% (equity shares) in ICICI Merchant Services Private Limited.
– Stock exchange disclosure
- 14:44 | April 19, 2025
Yes Bank Q4 results live: S&P Global and CDP rated YES BANK highest- amongst Indian Banks for ESG and climate disclosures – 3rd Year in a row.
- 14:32 | April 19, 2025
Q4 results live: Network18 Media posts Q4 net loss of ₹29.09 cr, revenue at ₹561.32 cr – PTI
Network18 Media & Investments Ltd has reported a consolidated net loss of ₹29.09 crore in the March quarter, while its revenue from operations stood at ₹561.32 crore.
- 14:30 | April 19, 2025
Yes Bank Q4 results: Key highlights | Asset Quality metrics
Significant improvement in Asset Quality metrics, Provision Coverage Ratio; Fresh Slippages Improving Sequentially GNPA at 1.6%, NNPA at 0.3%, PCR improved to 79.7%
- 14:23 | April 19, 2025
Yes Bank Q4 results live: Yes Bank MD on financials
The Bank exited the year with quarterly RoA of 0.7%, achieved 100% PSL compliance, further improved its Gross NPA and Net NPA ratios to 1.6% and 0.3% respectively – lowest levels since Mar’20, brought down the net carrying value of Security Receipts to ‘NIL’ and expanded the CASA ratio by 340 bps Y-o-Y to 34.3% in FY25.
– Prashant Kumar, Managing Director & CEO, YES BANK
- 14:20 | April 19, 2025
Yes Bank Q4 results live: YES BANK MD & CEO comments on Q4FY25 performance
Prashant Kumar, Managing Director & CEO, YES BANK said, “The Q4FY25 marked yet another important quarter for YES BANK as it continued to make steady improvements across several key metrics and progressed well on the strategic objective of improving its profitability.
- 14:13 | April 19, 2025
Yes Bank Q4 results live:
Yes Bank’s provisions and contingencies, or funds kept aside for potential bad loans, fell 32.5 per cent on-year to ₹318 crore.
Its gross non-performing asset ratio, a key gauge of asset quality, was at 1.60 per cent at end of March, unchanged from the end of the previous three months.
Net interest income, the difference between the interest earned on loans and paid to depositors, rose 5.7 per cent to 22.76 billion rupees.
Yes Bank posts 63% rise in Q4 profit on lower provisions
Yes Bank’s standalone net profit rose to ₹738 crore for the financial year fourth quarter from ₹452 crore in the same period a year earlier.
- 14:02 | April 19, 2025
Yes Bank Q4 results live: posts 63% rise in Q4 profit on lower provisions – Reuters
India’s Yes Bank reported a better-than-expected 63% rise in net profit for the January-March quarter on Saturday, helped by falling loan-loss provisions.
The Mumbai-based private lender’s standalone net profit rose to 7.38 billion rupees ($86.39 million) for the financial year fourth quarter from 4.52 billion rupees in the same period a year earlier.
That was above analysts’ average forecast of 6.4 billion rupees, according to LSEG data.
Yes Bank’s provisions and contingencies, or funds kept aside for potential bad loans, fell 32.5% on-year to 3.18 billion rupees.
Its gross non-performing asset ratio, a key gauge of asset quality, was at 1.60% at end of March, unchanged from the end of the previous three months.
Net interest income, the difference between the interest earned on loans and paid to depositors, rose 5.7% to 22.76 billion rupees.
Its other income, including fees, commissions and interest earned traditional interest-based activities, rose 11% to 15.67 billion rupees.
Its loans grew 8.1% on year, while deposits rose 6.8%.
Net interest margin, a key profitability measure, was 2.50%, up from 2.40% a year earlier and in the previous three months.
Analysts expect banks’ net interest margins to be under pressure in the coming quarters following the 50-basis-points rate cut by the Reserve Bank of India since February. That is because the pass-through to loan rates happens faster compared to deposits.
Reuters
- 13:08 | April 19, 2025
ICICI Bank Q4 results live: ICICI BANK earlier informed the Exchange about Board Meeting to be held on 19-Apr-2025 to consider Other business.
- 13:03 | April 19, 2025
HDFC Bank Q4 results live: Shares on Thursday closed with over 1% gain, Markets were closed on Friday for a local holiday
- 13:00 | April 19, 2025
Q4 results live: Craftsman Automation to announce financial results for Q4FY25 on May 7
- 12:48 | April 19, 2025
Q4 results live: Adani Energy Solutions board to consider financial results for Q4 FY25 on April 24
- 12:32 | April 19, 2025
HDFC Bank Q4 results: HDFC Bank Q4FY25 Preview | Axis Securities on NIM
“HDFC Bank’s deposit growth will be better than credit growth, aiding loan-deposit ratio. Credit growth is significantly below the industry growth. NIM shall contract slightly q-o-q,” said Axis Securities in a report. It added that Opex ratio for the bank shall remain broadly steady, while operating profit will be healthy.
- 12:04 | April 19, 2025
ICICI Q4 results live: Preview – Motilal Oswal
Motilal Oswal says ICICI Bank showed sharp resilience, posting 17 per cent CAGR in loans over FY22-24 period, led by retail loans, business loans, and small and medium enterprises (SME) segments.
- 12:03 | April 19, 2025
Q4 results live: Just Dial FY25 net profit up 61 pc to Rs 584 crore; revenue rises 9.5 pc – PTI
Local search engine Just Dial has reported a 61 per cent year-on-year increase in net profit in FY25 to Rs 584.2 crore.
For the January-March quarter of FY25, Just Dial logged a profit of Rs 157.6 crore.
Revenue for FY25 was Rs 1,141.9 crore, reflecting a 9.5 per cent growth over FY24.
Revenue in Q4 came in at Rs 289.2 crore, a 7 per cent uptick over the corresponding period of the last fiscal year.
PTI
- 11:47 | April 19, 2025
Q4 results live: HDFC Bank Q4 results initial preview by InCred Equities
Strong loan growth trends (+4% QoQ; +5% YoY) and deposit growth continues to hold-up well (on avg. basis +3% QoQ; +16% YoY).
Gross advances growth was led by commercial and rural banking segment (13% YoY vs. 11.5%) while wholesale loans continued to decline (down 4% vs. decline of 10%) and retail loan growth was broadly steady (+9% vs. 10%).
LDR moderates to 97% from 99% last quarter and 105% last year.
– InCred Equities
- 11:30 | April 19, 2025
Q4 results live: Cellecor doubles revenue to cross ₹1,000 crore in FY25 – PTI
Cellecor Gadgets Limited, a NSE-listed Consumer Electronics and Durables company reported financial results for FY25, with a 105 per cent YoY revenue growth to ₹1,025.95 crore, up from ₹500.45 crore in FY24. The company’s net profit surged by 92 per cent to ₹30.90 crore, testament to its successful expansion across product categories, geographies and retail formats.
- 11:00 | April 19, 2025
Q4 results live: ICICI Bank Q4 earnings preview | Axis Securities
Axis Securities expects ICICI Bank’s net interest income to grow 9 per cent year-on-year (y-o-y) in Q4 to ₹20,865 crore, while non-interest income is likely to rise 25 per cent y-o-y at ₹7,046 crore. The bank’s net profit is seen rising 13 per cent on-year to ₹12,070 crore in Q4.
- 10:40 | April 19, 2025
Q4 results live: Mastek Q4 profit down 14%, recommends ₹16 final dividend
IT major Mastek Ltd posted a 14 per cent decline in its consolidated net profit for the quarter ended March 2025, at ₹81.07 crore, as against ₹94.41 crore in the corresponding quarter last year.
Mastek Q4 profit down 14%, declares dividend of ₹16
Mastek Ltd reports 14% decline in net profit, 16% rise in revenue, and strong annual growth in FY24-25.
- 10:39 | April 19, 2025
Q4 results live: HDFC Bank Q4 results preview | Axis Securities
Net interest income (NII) will likely rise by 7 per cent yoy to ₹31,082 crore, while non-interest income is expected to fall 34 per cent on-year to ₹12,061 crore, according to Axis Securities.
- 10:25 | April 19, 2025
Q4 reseults live: Just Dial Q4 results in focus
Reliance Retail-backed Just Dial recorded 36 per cent increase in its net profit for the quarter ended March 2025 at ₹157.6 crore as against ₹115.65 crore in the corresponding quarter previous year.
- 09:53 | April 19, 2025
Q4 results live: Just Dial Q4 profit rises 36%
- 09:24 | April 19, 2025
Q4 results live: Earnings preview | HDFC Bank’s NIM seen contracting slightly in Q4
Country’s largest private sector lender HDFC Bank will likely see a slight contraction in its net interest margin (NIM)–a key indicator of banks’ profitability—in Q4FY25 as the bank continues to grow deposits at a far higher pace than advances, analysts say.The lender’s NIM stood at 3.43 per cent in Q3. It is set to report Q4 earnings results on April 19.
Report by Piyush Shukla of businessline | Read more
- 09:22 | April 19, 2025
Q4 results live: Earnings preview | ICICI Bank to post stable NII growth in Q4
ICICI Bank will likely post stable growth in loans and deposits, aiding nearly double digit growth in core income in Q4FY25, analysts say. The bank will report its Q4 earnings results on April 19.
According to brokerage Motilal Oswal, the lender has showed sharp resilience, posting 17 per cent CAGR in loans over FY22-24 period, led by retail loans, business loans, and small and medium enterprises (SME) segments. The bank’s strategic use of data analytics to refine customer onboarding and credit evaluation has been a ‘game-changer’ in sustaining this momentum, it said.
Deposits grew faster than the systemic growth, it said, driven by advanced digital banking and a strong branch network, though low-cost deposits growth struggles, with current and savings account (CASA) ratio standing at40.5 per cent in Q3FY25, amid high rates.
Report by Piyush Shukla of businessline | READ HERE
Published on April 19, 2025
