Three important questions-
There is no mention of the Covid Provision of Rs 165cr anywhere, either in the presentation or the press release. Has this been utilized entirely? If that is the case then provisions are optically lower by 165cr and Net Profits higher by 165cr.
Below is from Q4FY22 Press Release, can’t find it in Q1FY23-
Secondly why have NIM’s fallen by 36bps QoQ? That is a huge amount and much of it seems to be due to the increase in interes costs. Will they keep falling going forward?
Thirdly, Tier 1 Ratio is down to 14%. When do they plan to raise Tier 1 Capital?
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