Investor Presentation - Q3 FY22
RoE Tree
Particulars
Q3 FY22
Q2 FY22
Q3 FY21
FY21
FY20
Interest Income on term loans / Average total assets
10.4%
9.9%
10.5%
10.1%
11.5%
Net Gain on DA / Average total Assets
1.5%
1.5%
1.1%
1.2%
Income other than interest income on term loans/ Average total assets
1.2%
1.3%
0.9%
1.1%
1.4%
Total Income / Average total assets
13.1%
12.7%
11.4%
12.2%
14.1%
Interest on borrowings and debt securities/Average total assets
4.7%
4.7%
5.5%
5.4%
6.4%
Net Interest Margin
5.7%
5.2%
5.0%
4.7%
5.1%
Net Total Income / Average total assets
Operating Expenses / Average total assets
PPOP/ Average total assets
Credit Cost Average total assets
Profit before tax / Average total assets
Tax expense / Average total assets
8.4%
8.0%
5.9%
6.8%
7.7%
2.8%
2.8%
3.0%
2.7%
3.5%
5.6%
5.2%
3.0%
4.2%
4.2%
0.5%
0.3%
0.8%
0.8%
0.6%
5.1%
4.9%
2.2%
3.4%
3.6%
1.1%
1.1%
0.5%
0.8%
0.9%
One-time tax adjustment/ Average total assets
(0.2%)
Profit after tax on average total assets (ROA)
4.0%
3.9% (1)
1.7%
2.5%
2.7%
Leverage (Average total assets / average Equity or average Net worth)
3.1
3.2
3.7
3.5
4.1
Profit after tax on average equity or average Net worth (ROE)
12.4%
12.5% (1)
6.1%
8.7%
10.9%
Average interest earning assets as % of average total assets
83.0%
77.4%
81.0%
80.3%
87.0%
Average interest bearing liabilities as % of average total assets
65.8%
66.9%
70.8%
69.4%
74.1%
Interest Earning Assets represents Loans - Principal outstanding (Gross) for the relevant year or period. Interest bearing liabilities represents borrowings (including debt securities) for the relevant year or period.
(1) Q2FY22 Adjusted RoA at 3.7% and Adjusted RoE at 12.0% computed considering Adjusted PAT without the impact of one-time deferred tax liability adjustment
38
homefirst
Investor Presentation -Q3 FY22
We'll take you homeView entire presentation