Bank announces Financial Results for quarter ended, 31st December 2024.
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Note: The Liquidity Coverage Ratio mentioned above is the daily average of 66 working days for the quarter Oct-Dec 2024
The RBI guidelines stipulated the implementation of NSFR effective from 1st October 2021 at a consolidated level with disclosure from the quarter ended December 2021. Accordingly, the bank is computing the Consolidated NSFR. The NSFR is defined as the amount of Available Stable Funding relative to the amount of Required Stable Funding.
Available Stable Funding (ASF) is measured based on the broad characteristics of relative stability of funding sources, including contractual maturity of its liabilities and the differences in the tendency of different types of funding providers to withdraw their funding.
Required Stable Funding (RSF) is a function of the liquidity characteristics and residual maturities of the various assets held by the bank including Off-Balance Sheet (OBS) exposures.
The table attached herewith sets out the un-weighted and weighted value of the NSFR components as on 31st December 2024 based on audited financials. At a consolidated level, the NSFR of the bank comes out to 122.78% as on 31st December 2024 against the requirement of 100% as per RBI guidelines.
The significant drivers of Available Stable Funding (ASF) are Capital, Retail & small business customer deposits & wholesale funding. The capital constitutes 12%, Retail deposits & small business customer deposits constitute 64%, and wholesale deposits constitute 24% of Available Stable Funding after applying associated weights.
The Total Required Stable Funding is mainly driven by performing loans and securities which include financing various stakeholders such as retail and small business customers, non-financial corporate clients, performing residential mortgages, and investments in securities that do not qualify as HQLA. These together constitute 74% of total RSF after applying the associated weights.
There was no significant change in NSFR at the consolidated level as on December 2024 position at 122.78% as against September 2024 position of 121.63%. During the period, weighted ASF decreased by ~ ₹ 8,036 Crs and weighted RSF decreased by ~ ₹ 15,933 Crs.
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