USFB/CS/SE/2024-25/101
|
January 04, 2025 To,
Dear Sir/Madam,
Sub: Disclosure under SEBI (Listing Obligati on sand Disclosure Requirements) Regulations,2015
Pursuant to Regulation 30 read with Schedule III of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 and Regulation 8 read with Schedule A of SEBI (Prohibition of Insider Trading) Regulations, 2015, we hereby share the following information:
Key Business Highlights for the Quarter ended December 31,2024:
Deposits:
Particulars (₹in crore) |
Dec 31, 2024 |
Dec 31, 2023 |
Y-o-Y |
Total Deposits |
34,496 |
29,669 |
16% |
CASA |
8,657 |
7,556 |
15% |
Credit-Deposit Ratio(%) |
88% |
94% |
Assets:
Particulars(₹in crore) |
Dec 31, 2024 |
Dec 31, 2023 |
Y-o-Y |
Gross Loan Book* |
30,466 |
27,743 |
10% |
Micro Group Loan |
13,663 |
15,471 |
(12)% |
Individual Loan |
4,953 |
4,304 |
15% |
Affordable Housing# |
6,393 |
4,417 |
45% |
MSME |
1,694 |
1,397 |
21% |
FIG |
2,257 |
1,435 |
57% |
Others^ |
1,506 |
719 |
109% |
Secured Book(%) |
40% |
28% |
|
Disbursements |
5,360 |
5,675 |
(6)% |
Micro Group Loan |
2,029 |
3,295 |
(38)% |
Individual Loan |
857 |
1,029 |
(17)% |
Affordable Housing |
813 |
595 |
37% |
MSME |
332 |
106 |
214% |
FIG |
596 |
379 |
57% |
Others^ |
732 |
272 |
169% |
Note -*IncludesI BPC/Securitization of ₹ 199 crore as on Dec’24|₹ 1,596 crore as on Dec’23;#Includes M-LAP:
^Includes Vehicle Loans, Gold Loan, Staff Loan,OD-FD&others
Collections & Asset Quality:
Particulars |
Dec 31, 2024 |
Sep 30,2024 |
Dec 31,2023 |
PAR |
5.4% |
5.1% |
3.6% |
GNPA |
2.7% |
2.5% |
2.1% |
Particulars |
Dec’24 |
Nov’24 |
Oct’24 |
CollectionEfficiency(includingforeclosure/advanceetc.) |
106% |
105% |
106% |
CollectionEfficiency |
96% |
96% |
97% |
