Asia Asset Finance PLC Earnings Report Q1 FY 2022
Ⓡ
PROFITABILITY RATIOS
Yearly
(Based on Average Loan
Assets)
(%)
Muthoot Finance
Quarterly
(%)
Mar-21* Mar-20* Mar-19* Mar-18* Mar-17 Mar-16 Mar-15 Mar-14 Mar-13
Q1 FY Q4 FY
2022*
Q1 FY
2021*
2021*
Interest income to avg. loan
assets
22.17 23.03 21.63 22.21 21.43
19.72
19.30 20.27 21.66
20.40
21.66
22.35
Interest expense to avg. loan
assets
7.93
7.51 7.16
6.92 8.69
9.25
9.52 10.84 11.38 7.47
7.39
8.41
Net Interest Margin
14.24
15.52 14.47
15.29
12.74 10.47 9.78 9.42 10.27 12.93 14.27
13.94
Other income to avg. loan
assets
0.53
0.43 0.40
0.47
0.35
0.25 0.25
0.16
0.09
0.24
0.30
0.67
Net Income Including Other
Income
14.77 15.95 14.87
15.76
13.09
10.72 10.03
9.59 10.37 13.17
14.58
14.61
Selling, general and
administrative expenses to
3.72
4.68
4.81
5.32
4.56
4.43
4.84
4.28 3.72 2.95
3.90
3.51
avg. loan assets
Provisions and write offs to
0.20
0.26
0.08
0.11
1.07 0.67
0.17
0.18
0.36
0.26
0.09
0.14
avg. loan assets
PBDT to avg. loan assets
10.85
11.01
9.98
10.33
7.45
5.62
5.02
5.12 6.28
9.97
10.59
10.96
Depreciation to avg. loan
assets
0.10
0.11 0.12
0.15
0.17
0.23
0.37
0.20
0.18
0.08
0.11
0.10
PBT to avg. loan assets
10.75 10.90
9.85
10.19
7.28
5.39
4.65
4.93 6.10
9.88
10.48
10.86
Tax to avg. loan assets
2.76
2.79 3.54
3.82
2.81
2.08
1.62 1.71 2.05
2.50
2.75
2.75
PAT to avg. loan assets
7.99
8.11
6.31
6.36
4.47
3.32
3.03
3.22
4.05
7.38
7.73
8.11
Cash Profit to avg. loan assets 8.09
8.22
6.44
6.51
4.65
3.54
3.40
3.42
4.24
7.46
7.84
8.21
*Under IND-AS
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