๐๐๐๐ ๐๐ฎ๐ป๐ธ ๐ค๐ญ ๐๐ฌ๐ฎ๐ฒ ๐ฅ๐ฒ๐๐๐น๐ & ๐ข๐๐๐น๐ผ๐ผ๐ธ โ ๐๐ผ๐ป๐๐ถ๐๐๐ฒ๐ป๐ ๐๐ฟ๐ผ๐๐๐ต, ๐ฆ๐๐ฟ๐ฎ๐๐ฒ๐ด๐ถ๐ฐ ๐๐ผ๐ฐ๐๐
๐ฐ Net Profit: โน18,155 Cr (โ12.2% YoY) ๐ NII: โน31,440 Cr (โ5.4%) ๐ Other Income: โน21,730 Cr (โ103%) โ driven by HDB IPO gain ๐ฆ Gross Advances: โน26.5 L Cr | ๐ฅ Deposits: โน27.6 L Cr ๐ NIM: 3.35% (vs 3.46% QoQ) โ slight pressure from deposit lag ๐ Shareholder Rewards โ 1:1 Bonus Shares (first-ever) โ โน5 Special Dividend (payable Aug 11, 2025) ๐ฎ Strategic Outlook ๐ Focus on Retail, MSME, and Deposit Mobilization ๐งพ Personal, auto & housing loans remain key drivers ๐ข SME loan book grew 17.1% YoY | Corporate growth just 1.7% ๐ CD Ratio at ~104% โ improving deposit traction is a key goal ๐ Expecting strong pickup during festive season & rural demand ๐ ๏ธ Project FutureโReady: Long-Term Scalability Initiative ๐ฆ Business Segments: Retail, MSME, Corporate, Govt, Private Banking ๐ Delivery Modes: Branch, VRM, Teleservice, Digital Sales ๐ฒ Core Focus: End-to-end digital journeys, tech stack, ESG ๐๏ธ Rural Push: CSC tie-ups, semi-urban expansion ๐ค Virtual RM network scaled up for outreach โ ๏ธ Risk Checkpoint ๐ Gross NPA: 1.40% | Net NPA: 0.47% โ stable but slightly elevated ๐ Slippages: โน9,000 Cr โ largely from agri portfolio ๐ก๏ธ Provisions: โน14,442 Cr total ๐ Margin Risks: NIM pressure may last a few quarters due to loan-deposit rate mismatch ๐งฎ Governance: Strong compliance & ESG framework in place