1、FEBRUARY 2025Banking Sector Roundup 9M FY251PSU(12 banks)PrivateNew(10 banks)PrivateOld(10 banks)Glossary:Classification of Indian banks used in this documentSmall Finance(4 banks)21.4%9 bps YoY9MFY25 results:Banking industry snapshot218.5L Crore11%YoYTotal Deposits 29.7L Crore15%YoYMSME2 Advances61

2、.9L Crore14%YoYRetail Advances1178.3L Crore12%YoYTotal Net Advances 37.6%198 bps YoYCASA Ratio48.3%140 bps YoYCost-Income18.2L Crore15%YoYTotal Income6.3L Crore9%YoYNet Interest Income2.4L Crore16%YoYNon-Interest Income2.8L Crore20%YoYPATBusinessKey RatiosProfitability2.4%55 bps YoYGNPA(%)1.Retail l

3、oans include home loans,auto loans,personal loans,and other retail loans.2.MSME includes SME,LAP,Business Banking,and CV/CE loansAnalysis has been made based on 36 Banks:12 PSBs,10 Private-New,10 Private-Old Banks and 4 Small Finance BanksSource:Capitaline,Financial Results,Investor Presentation;BCG

4、 analysisROA3 Profitability:Banking industry reported 20%YoY growth in Net ProfitoPSU banks PAT grew by 32%YoY,driven by decline in provisions,reduced operating expenses and surge in non-interest incomeoPrivate banks reported 12%YoY growth in PAT,driven by controlled growth in operating expensesoSFB

5、 PAT declined by 13%YoY amid rising credit costs Operational efficiency:CIR improved across the board,decreasing by 140 bps to 48.3%for the industry Capital Adequacy:All banks1 have CRAR 13%signaling resilience in their risk management capabilitiesMacro TrendsSummary Snapshot(I/II)Key Performance In

6、dicators Economic growth:GDP forecast for FY25 between 6.3-6.8%YoY;RBI projects GDP growth at 6.7%for FY26oMost forecast for FY25 were revised downwards amid economic uncertainties from 6.7-7.2%to 6.3-6.8%Economic landscape exhibits mixed trendsoIndustrial growth strengthens with rising steel&cement