It said a PAT of Rs. 123 crore as opposed to our expectation of Rs. 127 crore, accelerated by using ~20% and six% q-o-q . This changed into ordinarily due to decrease provisions than expected.
NII got here in at Rs. 237 crore, up by using ~28% y-o-y and 15% q-o-q. PPoP grew sturdy by means of 30% y-o-y and 13% q-o-q. NIM stood at four.2%, up through 46 bps q-o-q.
Total running prices grew by using 12% y-o-y and 19% q-o-q. While worker charges de- grew by using 17% y-o-y and 15% q-o-q. We trust some a part of the opex has come returned with the development in business volumes visible from a pointy rebound in rate and commission income.
Provisions stood at Rs. 30 crore versus Rs. 16 crore in Q3FY22 as opposed to our estimate of Rs. Nine crore.
Disbursements rose with the aid of 35% y-o-y and nine% q-o-q caused sturdy AUM boom of 21% y-o-y and seven% q-o-q.
Spreads persevered to witness improvement and stood at 2.6% in Q4FY22, up by using 23 bps y-o-y and 17 bps q-o-q.
Asset first-class noticed improvement throughout the quarter. GNPA ratio turned into at 0.Sixty four%, down by 28 bps y-o-y and 7 bps q-o-q. Credit expenses had been high due to better preferred asset provisioning and getting older related provisions.