Q2 FY- 2022 Highlights (Y-o-Y): Cost of Deposits (COD) at 4.30%, improved by 95 bps . Net NPA ratio reduced from 5.87% to 3.81% . Total Business grew by 15.89%, to Rs.169484 Cr . Total deposits grew by 20.52% & stood at Rs.101910 Cr . Gross Advances grew by 9.53% Net Profit stands at Rs.218 Cr for Q2FY22 against Net Loss of Rs.401 Cr for Q2FY21. The same is up by 25.29% on a QoQ basis. Operating Profit has shown a growth of 20.29% on YoY basis to Rs.249 Cr for Q2FY22 as against Rs.207 Cr for Q2FY21 Return on Equity improved to 16.16% in Q2 FY22 from (65.58)% in Q2 FY 21. Gross Non-Performing Assets (GNPA) stood at Rs.9823 Cr (14.54%) as on Sept 2021 as against Rs.9055 Cr (13.33%) in June 2021. The same was at Rs.8673 Cr (14.06%) as on Sept 2020 . Net Non-Performing Assets (NNPA) ratio reduced to 3.81 % as on Sept 2021 against 5.87% as on Sept 2020. The same was 3.61% as on June 2021 . Provision Coverage Ratio (PCR) improved further at 84.44% as on Sept 2021 as against 76.12% in Sept 2020 and 84.22% as on June 2021. Bank's Total Capital Adequacy Ratio (CRAR) is at 17.92 % with 681 bps YoY increase. On QoQ basis, it increased by 30 bps from 17 .62% as on June 2021. The Bank has achieved National Goals in Priority Sector & Agriculture Credit with 47.37% and 19.43% of ANBC in Sept 2021, as against the National Goal of 40% and 18%, respectively. Credit to Small and Marginal Farmers stood at Rs.6996 Cr in Sept 2021 i.e. 11.07% of ANBC, which is above the regulatory target of 9%. Total Business grew by 15.89% on YoY basis to Rs.169484 Cr as on 30.09.2021 as against Rs.146251 Cr as on 30.09.2020. The same is up by 1.85% on QoQ basis. Total Deposits up by 20.52% on YoY basis & 3.49% on QoQ basis to Rs.101910 Cr from Rs.84559 Cr as on 30.09.2020 & Rs.98478 Cr as on 30.06.2021. CASA stood at 30.24% of Total Deposits as on 30.09.2021 and the same grew by 13.09% (YoY) to Rs.30820 Cr from Rs.27253 Cr as on 30.09.2020. Gross Advances stood at Rs.67574 Cr as at Sept 2021 with growth of 9.53% (YoY). RAM (Retail, Agriculture & MSME) loan portfolio grew by 7.29% on YoY basis. Retail, Agriculture and MSME loan portfolio grew by 2.45%, 11.58% and 7 .60% respectively. Result PDF