Investor Presentaiton
Diversified
Player performance (II/III)
Player Performance
Standalone financials
Select NBFCs
Period
Advances1 Rs Cr
NIM² (%)
CIR³ (%)
GNPA (%)
ROA² (%)
ROE4 (%)
FY23
1.8L
▲ 24%
10.9
▲ 30 bps
36
▲ 87 bps
1.2
▼83 bps
5.4
▲ 121 bps
22.0
▲ 571 bps
B
BAJAJ FINANCE LIMITED
FY22
1.4L
10.6
35
2.0
4.2
16.3
FY23
1.7L
▲ 47%
9.3
▲ 273 bps
28
▲ 614 bps
6.2
▼ 86 bps
3.5
▲ 147 bps
17.2
▲ 587 bps
SHRIRAM
Finance
FY22
1.2L
6.6
22
7.1
2.0
11.4
FY23
0.7L
▼ 8%
6.7
▲ 59 bps
38
▲ 313 bps
5.0
▼ 68 bps
-0.5
▼ 136 bps
-2.9
▼ 796 bps
L&T Financial Services
FY22
0.8L
6.1
35
4.3
0.8
5.0
FY23
1.0L
▲ 41%
6.5
▼ 25 bps
38
▲ 303 bps
4.6
▼ 219 bps
2.7
▼ 1 bps
20.5
▲ 32 bps
Chola
Enter a better life
FY22
0.7L
6.7
35
6.8
2.7
20.2
FY23
0.8L
▲ 31%
7.1
17 bps
42
▲ 634 bps
4.5
▼317 bps
2.3
▲ 102 bps
12.1
▲ 561 bps
Mahindra FINANCE
FY22
0.6L
7.3
36
7.7
1.3
6.5
HDB FINANCIAL
FY23
0.7L
▲ 16%
8.2
▲ 12 bps
55
327 bps
2.7
▼ 226 bps
3.0
▲ 134 bps
18.7
▲ 743 bps
SERVICES
From the trusted family of HDFC Bank Ltd.
FY22
0.6L
8.1
52
5.0
1.6
11.2
ADITYA BIRLA
FY23
0.8L
▲ 47%
5.6
▲ 36 bps
32
145 bps
3.1
▲ 2 bps
2.2
▲ 14 bps
14.6
▲ 274 bps
FY22
0.5L
5.2
31
3.1
2.1
11.9
FINANCE
FY23
0.7L
▲ 29%
5.0
23 bps
44
▼ 17 bps
2.0
▼ 26 bps
2.0
▲ 47 bps
15.3
406 bps
TATA CAPITAL FINANCIAL SERVICES LIMITED
FY22
0.5L
5.3
44
2.2
1.5
11.3
FY23
0.3L
▲ 19%
4.4
▼ 39 bps
33
▲ 166 bps
1.7
▼53 bps
2.9
▲ 28 bps
14.9
▲ 106 bps
SSUNDARAM FINANCE
Enduring values. New age thinking.
FY22
0.3L
4.8
32
2.2
2.6
13.8
FY23
0.4L
▲ 26%
9.4
▼ 118 bps
44
▼ 161 bps
5.4
▼ 256 bps
1.3
NM
9.0
NM
H+FF
HeroFinCorp.
Finance Made Easy
FY22
0.3L
8.3
47
7.9
(0.1)
(3.9)
Note: Calculated ratios may not match with reported figures due to differences in formula
1. Advances are half yearly net Advances 2.RoA and NIM are calculated as % of average assets and are annualized 3. CIR is calculated as Opex by Total
Income (NII+ Other Income) and is annualized 4. RoE are calculated as % of average shareholder's funds and is annualized 5. NA: Not Available
Source: RBI; Capitaline; Press releases; BCG analysis
XXX
Change vs. last year
46
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