
Mumbai | Key Highlights in FY25
1. Board of Directors have recommended a dividend of Rs. 4.75 per equity share (47.5% of face value of Rs.10 per equity share) for the year ended March 31, 2025 subject to requisite approvals.
2. Strong Financial Performance:
Net Profit of the Bank increased by 31.79% on YoY basis during FY25. Non- interest income of Bank grew by 23.21% on YoY basis during FY25.
3. Business Growth gaining momentum:
Total Business of the Bank increased by 7.82% YoY, wherein Gross Advances increased by 8.62% YoY & Total Deposit grew by 7.22% YoY. Bank has a total Business of Rs.22,92,644 Crores as on March 31, 2025.
4. Bank continues to demonstrate a strong Liability franchise:
Global deposits have increased by 7.22% YoY. Bank now has total deposits base of Rs.13,09,750 Crores as on March 31, 2025.
5. Growth in Retail, Agri and MSME (RAM) segments:
RAM Segment of the Bank increased by 10.17% YoY, with in which 22.14% growth in Retail and 12.50% growth in MSME advances is achieved on YoY basis. RAM advances as a percent of Domestic Advances stood at 56.20%.
6. Reduction in NPA:
Gross NPA (%) reduced by 116 bps on YoY basis to 3.60% and Net NPA (%) reduced by 40 bps on YoY basis to 0.63% as on 31.03.2025.
7. Strong Capital Ratios:
CRAR improved from 16.97% as on 31.03.2024 to 18.02% as on 31.03.2025. CET-1 ratio improved from 13.65% as on 31.03.2024 to 14.98% as on 31.03.2025.
8. Improved Returns:
Bank’s Return on Assets improved by 23 bps on YoY basis to 1.26% & Return on Equity improved by 162 bps on YoY basis to 17.20% during FY25.