Investor Presentaiton
Healthy financial performance with steady growth in profits
SHRIRAM
HOUSING FINANCE
Values in Cr.
(In Rs Crs.)
Q-o-Q Comparison
Y-o-Y Comparison
Y-o-Y Comparison
Q3'22
9m YTD'22
Financials
Q2'22
A QOQ
Q3'21
ΔΥΟΥ
9m YTD'21
ΔΥΟΥ
Loan Book
3890
3722
4.5%
2641
47.3%
3890
2641
47.3%
Disbursals
768
633
21.4%
595
29.0%
1622
1190
36.3%
Total Income
157.8
129.6
21.8%
130.2
21.2%
404.0
315.0
28.3%
Interest Income
108.1
103.8
4.1%
77.2
40.2%
308.1
218.6
40.9%
Net gain on Assignment
27.7
6.6
nm
40.7
(32.0)%
42.3
64.9
(34.8)%
Other Income
21.9
19.2
14.5%
12.3
78.8%
53.7
31.5
70.2%
Interest Expense
70.3
70.1
0.2%
53.4
31.7%
210.3
147.4
42.7%
NIM
87.5
59.5
47.2%
76.8
13.9%
193.7
167.6
15.6%
Operating Cost
43.0*
*
35.8
20.2%
29.8
44.1%
109.3
79.8
36.9%
- Personnel Costs
22.3
19.3
15.2%
16.2
37.6%
60.7
46.7
30.0%
- Other Costs
20.7
16.4
26.1%
13.7
51.7%
48.6
33.1
46.7%
Profit before provisions & tax
44.5
23.7
87.8%
46.9
(5.2)%
84.4
87.8
(3.8)%
Provisions & write-offs
6.1
-1.8
nm
13.5
(54.5)%
5.7
17.8
(68.0)%
PBT
38.4
25.5
50.8%
33.5
14.6%
78.8
70.0
12.5%
Taxes
9.8
6.7
46.5%
9.2
6.4%
20.5
21.8
(6.1)%
PAT
28.6
18.8
52.3%
24.3
17.7%
58.3
48.2
20.9%
*
Expenses include ~4.5 Cr investment in Grihapoorti (~2.5 Cr in Q2'22), benefits to accrue in the coming quarters
Note: As per
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