'PNB Housing Finance conducted a conference call on 25 July 2024 to discuss its financial results for the quarter ended June 2024. Girish Kousgi, MD&CEO of the company addressed the call:
Highlights:
The company has posted 25% increase in the net profit to Rs
432.8 crore in Q1FY2025. The net interest income moved up 3% qoq and 4% yoy Rs
651 crore.
The NIM was flat qoq at 3.65% and declined 21 bps yoy.
The company has recorded RoA of 2.38% and RoE of 11.4%.
The Capital Adequacy ratio has been healthy at 29.5% end
June 2024.
The retail loan asset book of the company has increased
14.4% yoy and 3% qoq, which account for 97.3% of the overall loan book. The
retail loan disbursements have increased 19% yoy to Rs 4363 crore in Q1FY2025.
The affordable housing loan book of the company has touched
Rs 2361 crore end June 2025 with disbursements at Rs 586 crore.
The emerging markets loan book touc...
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