Investor Presentation - Q4 FY22
Quarterly and Annual Profit
& Loss Statement
Particulars (in Mn)
Q4FY22
Q3FY22
Q4FY21
QoQ
YOY
FY22
FY21
YOY
Interest Income on
1,310.3
1,214.4
1,045.3
7.9%
25.4%
4,770.5
4,061.3
17.5%
term loans
Net gain on DA
138.2
175.8
181.7
678.4
439.3
Income other than interest income on term
loans (1)
112.4
126.8
131.5
508.2
390.9
Total Income
1,560.9
1,517.0
1,358.5
2.9% 14.9%
5,957.1
4,891.5
21.8%
Interest expense
535.9
544.5
534.5
2,148.2
2,165.8
-0.8%
Net Interest Income
774.4
670.0
510.8
15.6%
51.6%
2,622.3
1,895.5
38.3%
Net Total Income
1,025.0
972.5
824.0
5.4%
24.4%
3,808.9
2,725.7
39.7%
Operating Expenses (2)
366.0
321.3
315.4
1,295.7
1,063.8
PPOP
659.0
651.2
508.6
1.2%
29.6%
2,513.2
1,661.9
51.2%
Credit Cost
26.8
59.7
83.5
250.2
321.5
Profit before tax
632.2
591.5
425.1
6.9%
48.7%
2,263.0
1,340.4
68.8%
Tax expense
150.4
132.1
112.2
522.1
339.0
One-time tax adjustment
(3)
(120.1)
(120.1)
Profit after tax
601.9
459.4
312.9
31.0%
92.4%
1,861.0
1001.4
85.8%
Adjusted PAT (4)
481.7
459.4
312.9
4.9%
54.0%
1,740.8
1001.4
73.8%
Basic EPS
Diluted EPS
6.9
6.7
5.2
3.6
21.3
12.4
5.1
3.6
20.9
12.2
(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 Q4FY22, the Company has reversed DTL created on the amount transferred to special reserve.
(4) QoQ growth and YoY growth in PAT computed considering Adjusted PAT for Q4FY22 and FY22 respectively without the impact of one-time deferred tax liability adjustment
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Investor Presentation - Q4 FY22
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