This private sector bank also did not disappoint. It posted a good set of numbers for Q3FY13, with a YoY25% jump in net profit at Rs.577 crore. NIM is at 4.6% v/s 4.7%. Total advances rose 27%, with major chunk going to agri sector, followed by business banking and personal loans. Total deposits grew 34% at Rs.51.524 crore.

NII is at Rs.823 crore, up 8%. Net NPA is at 0.5% v/s 0.4% in Q2FY13 and 0.6% in Q3FY12. Restructured loans considered standard (as % of net advances) at end of Q3FY13 was at Rs.9.7 crore compared to Rs.25 crore on YoY. The provision coverage ratio on non-performing assets as on December 31, 2012 is 66.6%. It set aside Rs.58.9 crore as provisions for bad loans against Rs. 61.37 crore in the last quarter. Its CASA is at 26% v/s 28% in previous quarter and 27% on YoY. Capital adequacy ratio of the Bank including audited profits as per Basel II as on December 31, 2012 is 15.6% and Tier I ratio is 14.2%. Its networth at end of Q3FY13 is at Rs.14,568 crore and book value for its Rs.5 face value stock is at Rs.195.80.