Core operating profit jumps, NIM on total assets at 7-qtr high

Q4 Results Expectations

Net interest income (NII) – Estimated at ₹30,769 crore, up 5.8% year-on-year (YoY), according to a CNBC-TV18 poll.

Profit after tax (PAT) – Expected to rise 3.3% YoY to ₹17,058 crore.

Net interest margins (NIMs) – Expected to remain steady sequentially. It was at 3.43% in Q3FY25.

Slippages – May rise sequentially. Kotak Securities pegs the slippage ratio at 3.1% versus 1.4% in Q3.

Credit costs – Expected to improve.

Gross non-performing asset (GNPA) ratio – Likely to remain stable or improve. DAM Capital estimates it to decline to 1.3% from 1.42% in the previous quarter.

Management commentary – Loan growth, deposit traction, and outlook business momentum will be closely tracked.