Asset quality, assessed through levels of Gross and Net Non-Performing Assets (NPAs), reveals the bank’s risk exposure, while a strong Capital Adequacy Ratio (CAR) signals financial resilience. A high CASA ratio indicates access to low-cost funding, supporting margins. Beyond numbers, it’s essential to consider the bank’s management stability, digital capabilities, and competitive positioning. Together, these…
Mumbai: Piramal Enterprises posted muted profit after tax in Q3 FY25 as strong loan growth was partially offset by higher provisions due to asset quality woes. The non-banking financial company (NBFC) made loan loss provisions of â‚ą648 crore during the quarter, up over two-fold on-quarter and over 2.5 times on-year. Of these provisions, â‚ą300 crore…
Mumbai: In a quarter of otherwise stable financials, HDFC Bank Ltd.’s asset quality put a dampener on its earnings with non-performing assets rising, owing to an increase in agriculture loan slippages. The country’s largest private sector lender attributed this deterioration in loan quality to cyclical impact of the agriculture segment and said that the bank’s…
HDFC Bank’s provisional numbers for Q3 FY25 revealed muted loan growth, much below the industry level, as the bank focused on deposit accretion and improving its loan-to-deposit ratio (LDR). Given the significant shortfall in deposits following the merger of HDFC Ltd with the bank in July 2023, the lender has been strategically going slower on…
Mumbai: L&T Finance Ltd posted record-high disbursements of retail loans in third quarter ended December, but its asset quality woes—especially in the lender’s microfinance and rural portfolios—weighed on profitability. The non-banking financial services company (NBFC) disbursed retail loans worth â‚ą15,210 crore during the quarter, up 5% on-year and 0.8% on-quarter, led by healthy growth in…
