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NINE MONTHS RESULTS

Equitas Small Finance Bank Ltd.
( in Crs.)

ParticularsDec 24Dec 23Dec 22Dec 21Dec 20
Interest Earned     
Int. /Disc. on Adv/Bills4115.633641.542718.132327.842164.45
Income on Investment487.96383.19214.93180.06160.79
Int. on balances With RBI64.1617.0273.0955.5450.84
Total Interest Earned4667.754041.753006.152563.442376.08
Other Income686.04558.22430.89389.81239.66
Total Income5353.804599.973437.052953.252615.74
      
EXPENDITURE     
Interest Expended2245.571747.881168.391077.761026.69
Employee Cost1202.581005.43792.75689.63587.21
Other Expenses882.69844.04686.29597.82365.09
Total Expenses4330.833597.352647.432365.211978.99
      
Operating Profit Before Provisions And Contingencies1022.971002.61789.62588.04636.74
Provisions And Contingencies877.41207.64281.60370.66278.34
P/L Before Tax145.56794.97508.02217.38358.41
Tax40.62203.63124.4656.1587.05
P/L After Tax from Ordinary Activities104.94591.34383.55161.22271.35
Net Profit/Loss For the Period104.94591.34383.55161.22271.35
      
Equity Share Capital1139.321131.451254.311147.891138.25
Capital Adequacy Ratio - Basel -II20.2920.2424.2821.9121.58
EPS Before Extra Ordinary *     
Basic EPS (Rs.)0.925.283.061.412.53
Diluted EPS (Rs.)0.925.203.041.392.51
EPS After Extra Ordinary *     
Basic EPS (Rs.) 0.925.283.061.412.53
Diluted EPS (Rs.) 0.925.203.041.392.51
      
NPA Ratios:     
Gross NPA1071.87750.26861.36863.82387.60
Net NPA340.05330.34423.44459.42130.86
(%) of Gross NPA2.97253.003.634.612.27
(%) of Net NPA0.961.131.822.510.67
Return on Assets %0.221.491.250.621.21
      
OPBPC Margin (%)21.9124.8026.2622.9326.79
PBT Margin (%)3.1119.6616.898.4715.08
PAT Margin (%)2.2414.6312.756.2811.42
ParticularsDec 24
Interest Earned 
Int. /Disc. on Adv/Bills4115.63
Income on Investment487.96
Int. on balances With RBI64.16
Total Interest Earned4667.75
Other Income686.04
Total Income5353.80
  
EXPENDITURE 
Interest Expended2245.57
Employee Cost1202.58
Other Expenses882.69
Total Expenses4330.83
Operating Profit Before Provisions And Contingencies1022.97
Provisions And Contingencies877.41
P/L Before Tax145.56
Tax40.62
P/L After Tax from Ordinary Activities104.94
Net Profit/Loss For the Period104.94
Equity Share Capital1139.32
Capital Adequacy Ratio - Basel -II20.29
EPS Before Extra Ordinary * 
Basic EPS (Rs.)0.92
Diluted EPS (Rs.)0.92
EPS After Extra Ordinary * 
Basic EPS (Rs.) 0.92
Diluted EPS (Rs.) 0.92
NPA Ratios: 
Gross NPA1071.87
Net NPA340.05
(%) of Gross NPA2.97
(%) of Net NPA0.96
Return on Assets %0.22
OPBPC Margin (%)21.91
PBT Margin (%)3.11
PAT Margin (%)2.24