25 YEARS IN INDIA: LEADING WITH IMPACT
Key Performance
Indicators NBFC Sector
Industry ROA increased by ~30 bps; MFIs recovering, Gold NBFCs reported declines
HFCs
Diversified
Gold Loan
MFIS
Industry
Particulars¹
UOM
FY22
FY21
FY22
FY21
FY22
FY21
FY22
FY21
FY22
FY21
Net interest Margin
(%)
2.7
2.7
7.5
7.2
11.0
12.3
9.1
8.5
5.1
5.0
+
Fee + Other Income
(%)
0.6
0.6
1.4
1.2
0.2
0.4
1.7
1.7
0.9
0.9
Operating expenses
(%)
0.5
0.4
3.4
3.0
3.4
3.5
5.0
4.5
1.9
1.7
Pre-Provision Profit²
(%)
2.8
2.9
5.5
5.4
7.8
9.2
5.8
5.7
4.1
4.2
000
Credit costs
(%)
0.5
0.6
2.3
3.5
0.3
0.3
3.7
4.8
1.3
1.8
Tax
(%)
0.5
0.5
0.8
0.5
1.9
2.3
0.5
0.3
0.6
0.5
Other Expenses³
(%)
0.0
0.0
0.2
0.1
0
0
0
0
0.1
0.1
Return on Assets
(%)
1.8
1.8
↑ 2.2
1.3
↓5.6
6.6
↑ 1.6
0.6
↑2.1
1.8
1. All the above #s are as a % of Average Assets, 2. Pre-provision profit may not tally due to rounding off error 3. Other Expenses include "Net loss on fair value changes", "Net loss on
derecognition of financial instruments under amortized cost category", "Net Transaction Exchange Loss" and/or "Loss/write-off on Repossessed Assets and Assets acquired in satisfaction of debt"
Note: Analysis has been made based on 30 NBFCs: 10 HFCs, 2 Gold, 3 MFI and 15 Diversified NBFCs
Source: Capitaline, Quarterly Results, Investor Presentation, Annual Report, BCG Analysis
Copyright 2020 by Boston Consulting Group. All rights reserved.
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