UTKARSH SMALL FINANCE BANK
Quarterly Results Analysis [Mar2024]
UTKARSH SMALL FINANCE BANK Quarterly Results
Standalone | Mar2024 Audited |
Dec2023 Audited |
Sep2023 Audited |
Jun2023 UnAudited |
Mar2023 Audited |
Dec2022 Audited |
Sep2022 Audited |
Jun2022 UnAudited |
---|---|---|---|---|---|---|---|---|
Interest Earned | ₹896 Cr | ₹806 Cr | ₹756 Cr | ₹720 Cr | ₹691 Cr | ₹641 Cr | ₹602 Cr | ₹571 Cr |
Other Income | ₹121 Cr | ₹83 Cr | ₹105 Cr | ₹92 Cr | ₹69 Cr | ₹71 Cr | ₹74 Cr | ₹84 Cr |
Interest Expended | ₹356 Cr | ₹324 Cr | ₹315 Cr | ₹298 Cr | ₹282 Cr | ₹247 Cr | ₹226 Cr | ₹222 Cr |
Expenses | ₹378 Cr | ₹309 Cr | ₹309 Cr | ₹293 Cr | ₹270 Cr | ₹255 Cr | ₹244 Cr | ₹220 Cr |
Operating Income | ₹282 Cr | ₹256 Cr | ₹238 Cr | ₹221 Cr | ₹208 Cr | ₹210 Cr | ₹207 Cr | ₹213 Cr |
Provisions and contingencies | ₹74 Cr | ₹104 Cr | ₹83 Cr | ₹77 Cr | ₹34 Cr | ₹87 Cr | ₹90 Cr | ₹91 Cr |
Profit Before Tax | ₹208 Cr | ₹152 Cr | ₹154 Cr | ₹145 Cr | ₹174 Cr | ₹122 Cr | ₹117 Cr | ₹122 Cr |
Profit After Tax | ₹160 Cr | ₹116 Cr | ₹114 Cr | ₹107 Cr | ₹134 Cr | ₹94 Cr | ₹88 Cr | ₹89 Cr |
% of Net NPAs | 0.03 | 0.19 | 0.16 | 0.33 | 0.39 | 0.72 | 1.04 | 1.66 |
% of Gross NPAs | 2.51 | 3.04 | 2.81 | 3.13 | 3.23 | 3.58 | 4.61 | 5.73 |
EPS | ₹1.45 | ₹1.06 | ₹1.04 | ₹1.20 | ₹1.49 | ₹1.04 | ₹0.98 | ₹1.00 |
Industry Peers & Returns | 1W | 1M | 1Y |
UTKARSH SMALL FINANCE BANK | 0.5% | -7.4% | NA |
HDFC BANK | -0% | -3.5% | -11.4% |
ICICI BANK | -1.6% | 2.4% | 18.5% |
KOTAK MAHINDRA BANK | 1.7% | -6.1% | -12% |
AXIS BANK | -1.1% | 7% | 24.4% |
INDUSIND BANK | 0% | -4.5% | 13.4% |
IDBI BANK | 4.4% | 1.2% | 57.5% |
YES BANK | 1.3% | -8.9% | 47.9% |
IDFC FIRST BANK | 0.1% | -7.3% | 16.2% |
UTKARSH SMALL FINANCE BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]Net Interest Income | |
---|---|
Q-o-Q | 11.95 % |
Y-o-Y | 31.83 % |
Quarters | Net Interest Income | % Change | |
---|---|---|---|
Mar2024 | ₹540 Cr | 11.95 | |
Dec2023 | ₹482 Cr | 9.24 | |
Sep2023 | ₹442 Cr | 4.62 | |
Jun2023 | ₹422 Cr | 3.04 | |
Mar2023 | ₹410 Cr | 4.08 | |
Dec2022 | ₹394 Cr | 4.47 | |
Sep2022 | ₹377 Cr | 7.87 | |
Jun2022 | ₹349 Cr | - |
UTKARSH SMALL FINANCE BANK Quarterly Operating Profit
Operating Profit | |
---|---|
Q-o-Q | 10.18 % |
Y-o-Y | 35.48 % |
Quarters | Operating Profit | % Change | |
---|---|---|---|
Mar2024 | ₹282 Cr | 10.18 | |
Dec2023 | ₹256 Cr | 7.77 | |
Sep2023 | ₹238 Cr | 7.44 | |
Jun2023 | ₹221 Cr | 6.20 | |
Mar2023 | ₹208 Cr | -0.64 | |
Dec2022 | ₹210 Cr | 1.28 | |
Sep2022 | ₹207 Cr | -2.96 | |
Jun2022 | ₹213 Cr | - |
Operating Margins | |
---|---|
Q-o-Q | -1.58 % |
Y-o-Y | 2.77 % |
Quarters | Operating Margin% | % Change | |
---|---|---|---|
Mar2024 | 52.27% | -1.58 | |
Dec2023 | 53.11% | -1.34 | |
Sep2023 | 53.83% | 2.69 | |
Jun2023 | 52.42% | 3.07 | |
Mar2023 | 50.86% | -4.54 | |
Dec2022 | 53.28% | -3.06 | |
Sep2022 | 54.96% | -10.03 | |
Jun2022 | 61.09% | - |
UTKARSH SMALL FINANCE BANK Quarterly Profit After Tax
Profit After Tax(PAT) | |
---|---|
Q-o-Q | 37.57 % |
Y-o-Y | 19.33 % |
Quarters | Profit After Tax | % Change | |
---|---|---|---|
Mar2024 | ₹160 Cr | 37.57 | |
Dec2023 | ₹116 Cr | 1.43 | |
Sep2023 | ₹114 Cr | 6.44 | |
Jun2023 | ₹107 Cr | -19.66 | |
Mar2023 | ₹134 Cr | 43.10 | |
Dec2022 | ₹94 Cr | 6.60 | |
Sep2022 | ₹88 Cr | -1.99 | |
Jun2022 | ₹89 Cr | - |
PAT Margins | |
---|---|
Q-o-Q | 23.82 % |
Y-o-Y | -7.90 % |
Quarters | PAT Margin(%) | % Change | |
---|---|---|---|
Mar2024 | 17.83 % | 23.82 | |
Dec2023 | 14.4 % | -4.82 | |
Sep2023 | 15.13 % | 1.41 | |
Jun2023 | 14.92 % | -22.93 | |
Mar2023 | 19.36 % | 32.69 | |
Dec2022 | 14.59 % | 0.21 | |
Sep2022 | 14.56 % | -7.14 | |
Jun2022 | 15.68 % | - |
UTKARSH SMALL FINANCE BANK Quarterly Earnings Per Share (EPS)
EPS | |
---|---|
Q-o-Q | 36.79 % |
Y-o-Y | -2.68 % |
Quarters | EPS | % Change | |
---|---|---|---|
Mar2024 | ₹1.45 | 36.79 | |
Dec2023 | ₹1.06 | 1.92 | |
Sep2023 | ₹1.04 | -13.33 | |
Jun2023 | ₹1.2 | -19.46 | |
Mar2023 | ₹1.49 | 43.27 | |
Dec2022 | ₹1.04 | 6.12 | |
Sep2022 | ₹0.98 | -2.00 | |
Jun2022 | ₹1 | - |
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