25 YEARS IN INDIA: LEADING WITH IMPACT
Key Performance
Indicators Industry
Reduction in credit costs for both Banks and NBFCs basis economic recovery
Credit Cost (%)
GNPA² (%)
(%)
3
(%)
10
Potential to go up again basis
9.2%
the recent RBI base hikes
8.5%
2.1%
1.9%
2
1.8%
7.4%
1.5%
1.4%
6.8%
1.3%
0.9%
8
6.4%
6.1%
5.9%
1
0.6%'
0
FY19
FY20
FY21
FY22
Banks
NBFCs
0
FY19
FY20
FY21
FY22
1. Credit Cost is calculated as provision and contingencies/average assets 2. NBFC GNPA % yet to be released in RBI FSR report
Note: Analysis has been made based on 30 NBFCs (10 HFCs, 2 Gold, 3 MFI and 15 Diversified NBFCs) and 35 Banks (12 PSU Banks, 10 Private-New, 9 Private-Old and Small Finance Banks)
Source: Quarterly Results, Investor Presentation, Annual Report, RBI, BCG Analysis
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