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NINE MONTHS RESULTS

Equitas Small Finance Bank Ltd.
( in Crs.)

ParticularsDec 25Dec 24Dec 23Dec 22Dec 21
Interest Earned     
Int. /Disc. on Adv/Bills4339.244115.633641.542718.132327.84
Income on Investment493.35487.96383.19214.93180.06
Int. on balances With RBI125.3064.1617.0273.0955.54
Total Interest Earned4957.894667.754041.753006.152563.44
Other Income810.09686.04558.22430.89389.81
Total Income5767.985353.804599.973437.052953.25
      
EXPENDITURE     
Interest Expended2546.832245.571747.881168.391077.76
Employee Cost1449.981202.581005.43792.75689.63
Other Expenses908.65882.69844.04686.29597.82
Total Expenses4905.474330.833597.352647.432365.21
      
Operating Profit Before Provisions And Contingencies862.511022.971002.61789.62588.04
Provisions And Contingencies1012.73877.41207.64281.60370.66
P/L Before Tax-150.22145.56794.97508.02217.38
Tax-40.6240.62203.63124.4656.15
P/L After Tax from Ordinary Activities-109.60104.94591.34383.55161.22
Net Profit/Loss For the Period-109.60104.94591.34383.55161.22
      
Equity Share Capital1140.721139.321131.451254.311147.89
Capital Adequacy Ratio - Basel -II20.4720.2920.2424.2821.91
EPS Before Extra Ordinary *     
Basic EPS (Rs.)-0.960.925.283.061.41
Diluted EPS (Rs.)-0.960.925.203.041.39
EPS After Extra Ordinary *     
Basic EPS (Rs.) -0.960.925.283.061.41
Diluted EPS (Rs.) -0.960.925.203.041.39
      
NPA Ratios:     
Gross NPA1116.091071.87750.26861.36863.82
Net NPA367.15340.05330.34423.44459.42
(%) of Gross NPA2.752.97253.003.634.61
(%) of Net NPA0.920.961.131.822.51
Return on Assets %-0.200.221.491.250.62
      
OPBPC Margin (%)17.3921.9124.8026.2622.93
PBT Margin (%)-3.023.1119.6616.898.47
PAT Margin (%)-2.212.2414.6312.756.28
ParticularsDec 25
Interest Earned 
Int. /Disc. on Adv/Bills4339.24
Income on Investment493.35
Int. on balances With RBI125.30
Total Interest Earned4957.89
Other Income810.09
Total Income5767.98
  
EXPENDITURE 
Interest Expended2546.83
Employee Cost1449.98
Other Expenses908.65
Total Expenses4905.47
Operating Profit Before Provisions And Contingencies862.51
Provisions And Contingencies1012.73
P/L Before Tax-150.22
Tax-40.62
P/L After Tax from Ordinary Activities-109.60
Net Profit/Loss For the Period-109.60
Equity Share Capital1140.72
Capital Adequacy Ratio - Basel -II20.47
EPS Before Extra Ordinary * 
Basic EPS (Rs.)-0.96
Diluted EPS (Rs.)-0.96
EPS After Extra Ordinary * 
Basic EPS (Rs.) -0.96
Diluted EPS (Rs.) -0.96
NPA Ratios: 
Gross NPA1116.09
Net NPA367.15
(%) of Gross NPA2.75
(%) of Net NPA0.92
Return on Assets %-0.20
OPBPC Margin (%)17.39
PBT Margin (%)-3.02
PAT Margin (%)-2.21