Financial Highlights of Q3FY20
• Significant increase in Provision Coverage to 72.7% from 43.1% last quarter, despite elevated slippages
o GNPA of 18.87%- 40,709 Crores o NNPA of 5.97% - 11,115 Crores
• The Bank registered a Net Loss of 18560 Crores during Q3FY20 •
Net Interest Income (NII) at 1,065 Crores, significantly impacted by elevated slippages
• Net Interest Margin (NIM) at 1.4%: majorly impacted due to slippages during the quarter
• Non- Interest income for Q3FY20 at 626 Crores, declined 30% y-o-y; Retail Banking fees, within the Non-Interest Income however grew 8% y-o-y aided by sustained momentum in Digital Banking revenue streams •
Deposits at 1,65,755 Crores declined 26% y-o-y; CASA ratio at 32.1% in Q3FY20 vs. 30.8% in Q2FY20; CASA + Retail
TDs at 63.0% in Q3FY20 vs. 60.3% last quarter
• Net Advances at ` 1,86,099 Crores declined 24% y-o-y and 17% on sequential basis; Retail Advances grew 11% y-o-y to
account for 22.2% of advances vs. 15.2% in Q3FY19
WealthCreatures 