Investor Presentation - Q3 FY22
Quarterly and Annual Profit
& Loss Statement
Particulars (in Mn)
Q3FY22
Q2FY22
Q3FY21
QoQ
YOY
FY21
FY20
YOY
Interest Income on
1202.2
1142.5
1013.8
5.2%
18.6%
4,026.0
3,425.0
17.5%
term loans
Net gain on DA
175.8
170.7
439.4
371.2
Income other than interest
income on term loans (1)
139.0
148.2
89.1
421.2
400.6
Total Income
1517.0
1461.4
1,102.9
3.8% 37.6%
4,886.5
4,196.8 16.6%
Interest expense
544.5
540.8
531.6
2,165.8
1,912.2 13.3%
Net Interest Income
657.7
601.7
482.2
9.3%
36.4%
1,860.2
1,512.8 23.0%
Net Total Income
972.5
920.6
571.3
5.6% 70.2%
2,720.7
2,284.6 19.3%
Operating Expenses (2)
321.3
324.2
285.4
1,058.7
1,046.2
PPOP
651.2
596.4
285.9
9.2%
127.7%
1,662.0
1,238.4
34.2%
Credit Cost
59.7
33.3
73.9
321.5
165.0
Profit before tax
591.5
563.1
212.0
5.0%
179.0%
1,340.4
1,073.3
24.9%
Tax expense
132.1
132.1
52.9
339.0
277.8
One-time tax adjustment (3)
(17.7)
Profit after tax
459.4
448.7
159.1
6.6% (4)
188.7%
1001.4
795.5
25.9%
Basic EPS
Diluted EPS
5.2
5.1
5.1
5.0
1.9
12.4
10.8
1.9
12.2
10.6
(1) Income other than interest income on term loans includes interest on bank deposits, other interest income, fees and commission income, other operating income and other income
(2) Operating Expenses is the sum of Employee Benefits Expenses, Depreciation and Amortization, Interest on lease liability, Bank charges and other Expenses for the relevant year or period as per the financial statements.
(3) In Q2FY22, the Company has reversed Rs 17.7 mn of DTL created on the amount transferred to special reserve for the quarter ended June 21.
(4) QoQ growth in PAT computed considering Adjusted PAT for Q2FY22 without the impact of one-time deferred tax liability adjustment
37
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Investor Presentation - Q3 FY22
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