1、MAY 2025Banking Sector Roundup FY251PSU(12 banks)PrivateNew(10 banks)PrivateOld(10 banks)Glossary:Classification of Indian banks used in this documentSmall Finance(5 banks)Analysis across the deck has been made based on 37 Banks:12 PSBs,10 Private-New,10 Private-Old Banks and 5 Small Finance Banks2F

2、Y25 results:Banking industry snapshot1.Retail loans are gross advances and include home loans,auto loans,personal loans,and other retail loans.2.MSME are gross advances and includes SME,LAP,Business Banking,and CV/CE loansSource:Capitaline,Financial Results,Investor Presentation;BCG analysis229.3L C

3、rore11%YoYTotal Deposits 33.3L Crore14%YoYMSME2 Advances63.6L Crore13%YoYRetail Advances1184.6L Crore12%YoYTotal Net Advances 24.7L Crore13%YoYTotal Income8.5L Crore8%YoYNet Interest Income3.4L Crore14%YoYNon-Interest Income3.7L Crore16%YoYPATBusinessKey RatiosProfitability2.2%54 bps YoYGNPA(%)1.3%4

4、 bps YoYROA37.0%174 bps YoYCASA Ratio3.1%11 bps YoYNIM(%)48.8%86 bps YoYCost-Income3Macro TrendsSummary Snapshot(I/II)Banks vs NBFCs Economic growth:GDP growth for FY25 at 6.4%YoY vs.projected growth rate of 6.2-7%;RBI and other agencies project GDP growth at 6.4-6.5%for FY26 Economic landscape exhi

5、bits mixed trendsoIndustrial growth strengthens with rising cement output,while auto sales see mixed growth amid weak demand year-on-yearoServices exports saw strong growth while service imports decline sharply Lending Boost in NBFCs:NBFCs credit growth(20%)outpaces that of Banks(12%)in FY25 led by

6、Gold NBFC category Yield:NIM remained stable in FY25 at 6.7%for NBFCs and 3.1%for Banks Credit Expense:Credit costs rose for NBFCs from 1.3%to 1.7%whereas Banks show improved credit cost from 0.6%to 0.4%Profitability and Returns:Bank profits grew 16%YoY due to lower provisions,while NBFCs reported 8