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BOB’s domestic loan growth accelerated in Q3 FY14 to 18% yoy from 16% yoy in the previous quarter.
Domestic loan growth accelerates further
Deposits profile strengthens; NIM improved on decline in cost of deposits
Fee growth resilient; C/I ratio stable despite high opex growth
Lower influx of impaired assets was a positive surprise
RoA deterioration could halt; Retain Market Performer rating
| (Rs mn) |
Q3 FY14 |
Q2 FY14 |
% qoq |
Q3 FY13 |
% yoy |
| Total Interest Income |
96,907 |
94,735 |
2.3 |
88,449 |
9.6 |
| Interest expended |
(66,336) |
(65,787) |
0.8 |
(60,040) |
10.5 |
| Net Interest Income |
30,571 |
28,948 |
5.6 |
28,409 |
7.6 |
| Other income |
9,321 |
9,739 |
(4.3) |
8,406 |
10.9 |
| Total Income |
39,892 |
38,686 |
3.1 |
36,815 |
8.4 |
| Operating expenses |
(17,917) |
(17,441) |
2.7 |
(14,255) |
25.7 |
| Provisions |
(7,619) |
(8,608) |
(11.5) |
(10,293) |
(26.0) |
| PBT |
14,356 |
12,637 |
13.6 |
12,267 |
17.0 |
| Tax |
(3,722) |
(801) |
364.7 |
(2,026) |
83.7 |
| Adjusted PAT |
10,634 |
11,836 |
(10.2) |
10,241 |
3.8 |
| Exceptional items |
(156) |
(156) |
- |
(124) |
- |
| Reported PAT |
10,479 |
11,681 |
(10.3) |
10,116 |
3.6 |
| EPS |
25.2 |
28.0 |
(10.2) |
24.8 |
1.4 |
