Microfinance Institutions company Equitas Small Finance Bank announced Q4FY25 results Financial Highlights: Profit & Loss: Net Income and Total Opex grew by 9% and 15% YoY, for full year FY25 respectively. PAT stood at Rs 42 crore for Q4FY25 Business Highlights: Vehicle Finance portfolio has crossed Rs 9400 crore during the quarter. Used Car Advances closed at Rs 1873 crore registered a growth of 53% YoY. Used CV Advances registered a growth of 24% YoY. CASA ratio stable at 29%; CA balances grew 36% YoY. Strong Retail Term Deposits growth of 25% YoY to Rs 18,447 crore. Key Ratios: NIM for the quarter stood at 7.13%. Cost to Income stood at 70.28% in Q4FY25 as compared to 68.30% in Q3FY25 and 62.83% in Q4FY24. RoA and RoE for Q4FY25 at 0.32% and 2.79% respectively. Capital: Networth of the Bank stands at Rs 6,073 crore. As of March 31, 2025, Total CRAR at 20.60% | Tier I at 17.84% and Tier II at 2.76%. Treasury & Liquidity: The Bank’s Certificate of Deposit (CD) programme has highest rating at A1+ from India Ratings, CareEdge Ratings & CRISIL. Liquidity Coverage Ratio (LCR) as on 31.03.2025 is 200.96%. Profit on sale of Investments for the quarter is Rs 28.23 crore. Asset Quality & Provisions: Gross Slippages improved by 56 bps QoQ to 5.94% in Q4FY25 as compared to 6.50% in Q3FY25. Net slippages remained flat QoQ to 3.16% in Q4FY25 as compared to 3.15% in Q3FY25. GNPA improved by 8 bps QoQ to 2.89% in Q4FY25 as compared to 2.97% in Q3FY25. NNPA increased by 2 bps QoQ to 0.98% in Q4FY25 as compared to 0.96% in Q3FY25. Key Highlights for Q4FY25: Gross Advances growth at 11% YoY and 2% QoQ. Non Microfinance book grew 19% YoY, led by 25% growth in SBL over previous year. Overall deposits registered a growth of 19% YoY & 6% QoQ. Result PDF