The Net Interest Margin is one of the metrics that signifies the profitability, efficiency, and performance of a bank by measuring and comparing the interest income generated from credit products such as loans, and mortgages, and the interest expenses associated with holding deposits and other liabilities.
Listed below are some of the banks that have reported a Net Interest Margin of upto 5% in Q1FY25
HDFC Bank is one of India’s leading private banks, it is engaged in providing a range of banking and financial services including retail banking, wholesale banking, and treasury operations.
With a market capitalization of Rs. 12,63,601 Crores, the shares of HDFC Bank Limited closed at Rs. 1,659.55 per equity share, up 1.17 percent from its previous day’s close price of Rs. 1,640.40.
HDFC Bank Limited has reported a Net Interest Margin of 3.5 percent and a CASA Ratio of 36 percent.
Its Net Interest Income grew by 46.62 percent from Rs. 25,213 Crores in Q1FY24 to Rs. 36,966 Crores in Q1FY25, accompanied by profits of Rs. 12,403 Crores to Rs. 17,188 Crores.
Kotak Mahindra Bank is a diversified financial services bank providing a wide range of banking and financial services including Retail Banking, Treasury, and Corporate Banking, Investment Banking, Stock Broking, Vehicle Finance, Advisory Services, Asset Management, Life Insurance, and General Insurance.
With a market capitalization of Rs. 3,58,656 Crores, the shares of Kotak Mahindra Bank Limited closed at Rs. 1,804 per equity share, up 0.61 percent from its previous day’s close price of Rs. 1,793.15.
Kotak Mahindra Bank Limited has reported a Net Interest Margin of 5.02 percent and a CASA Ratio of 43.4 percent.
Its Net Interest Income grew by 12.4 percent from Rs. 8,034 Crores in Q1FY24 to Rs. 9,031.54 Crores in Q1FY25, accompanied by profits of Rs. 4,109.33 Crores to Rs. 7,399.39 Crores.
ICICI Bank is one of the largest private-sector banks offering a diversified portfolio of banking and financial services including Retail Banking, Treasury, and Corporate Banking, Investment Banking, Stock Broking, and many more catering to all kinds of clients.
With a market capitalization of Rs. 8,42,176 Crores, the shares of ICICI Bank Limited closed at Rs. 1,196.45 per equity share, down 1.16 percent from its previous day’s close price of Rs. 1,210.50.
ICICI Bank Limited has reported a Net Interest Margin of 4.36 percent and a CASA Ratio of 40.9 percent.
Its Net Interest Income grew by 13.12 percent from Rs. 20,738 Crores in Q1FY24 to Rs. 23,460 Crores in Q1FY25, accompanied by profits of Rs. 11,014 Crores to Rs. 12,462 Crores.
Axis Bank is the third-largest private bank in India offering an entire spectrum of financial and banking services like advisory services, retail banking, treasury and Corporate Banking, Investment Banking, Stock Broking, Vehicle Finance, and many more.
With a market capitalization of Rs. 3,58,897 Crores, the shares of Axis Bank Limited closed at Rs. 1,161.10 per equity share, down 0.95 percent from its previous day’s close price of Rs. 1,172.20.
Axis Bank Limited has reported a Net Interest Margin of 4.05 percent and a CASA Ratio of 42 percent.
Its Net Interest Income grew by 13.23 percent from Rs. 12,273 Crores in Q1FY24 to Rs. 13,897 Crores in Q1FY25, accompanied by profits of Rs. 6,098.95 Crores to Rs. 6,450.03 Crores.
IndusInd Bank offers a wide range of products and services for individuals and corporates, including microfinance, personal loans, personal and commercial vehicle loans, credit cards, small to medium enterprise (SME) loans, and many more.
With a market capitalization of Rs. 1,09,371 Crores, the shares of IndusInd Bank Limited closed at Rs. 1,404.50 per equity share, down 1.06 percent from its previous day’s close price of Rs. 1,419.60.
IndusInd Bank Limited has reported a Net Interest Margin of 4.25 percent and a CASA Ratio of 37 percent.
Its Net Interest Income grew by 11.11 percent from Rs. 4,867.11 Crores in Q1FY24 to Rs. 5,407.63 Crores in Q1FY25, accompanied by profits of Rs. 2,132.62 Crores to Rs. 2,152.16 Crores.
Written by: Bharath K.S
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