Satin Financial Review and Growth Strategy
Annexure
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Financial Performance - Standalone
SATIN
Particulars (Rs. crore)
Gross yield (1)
Financial Cost Ratio (2)
Net Interest Margin (3)
1HFY21
Q2FY21
Q2FY20
Q1FY21
FY20
FY19
17.30%
18.07%
21.44%
16.08%
20.61%
23.97%
8.78%
8.67%
9.05%
8.64%
8.49%
11.15%
8.52%
9.40%
12.39%
7.44%
12.12%
12.81%
Operating Expense ratio (4)
5.00%
5.14%
6.80%
4.72%
6.02%
6.51%
Loan Loss Ratio (5)
2.38%
2.95%
0.85%
1.76%
2.97%
0.96%
ROA (6)
0.71%
0.72%
3.26%
0.72%
2.26%
3.01%
ROE (8)
3.47%
3.45%
16.46%
3.52%
12.00%
19.08%
Leverage (Total Debt (7) / Total Net Worth)
3.64
3.64
3.60
3.62
3.72
4.55
Cost to Income Ratio
58.61%
54.74%
54.92%
63.34%
49.66%
50.83%
Asset Quality (on-book)
GNPA %
ECL as % of AUM
1HFY21
Q2FY21
Q2FY20
Q1FY21
FY20
FY19
2.9
2.9
4.4
2.4
3.3
4.0
3.9
3.9
2.6
3.2
3.4
2.3
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2.
3.
4.
5.
6.
1. Gross Yield represents the ratio of total Income in the relevant period to the average AUM
Financial Cost Ratio represents the ratio of interest Expense in the relevant period to the Average AUM
Net Interest Margin represents the difference between the Gross Yield and the Financial Cost Ratio
Operating Expenses Ratio represents the ratio of the Operating Expenses (expenses including depreciation but excluding Credit Cost and interest Expense) to the Average AUM
Loan Loss Ratio represents the ratio of credit cost (including FLDG on BC) to the Average AUM
RoA is annualized and represents ratio of PAT to the Average Total Assets
7.
Total Debt includes Securitization and preference shares considered as debt in accordance of IndAS
8.
RoE is annualized and represents PAT(Post Preference Dividend) to the average equity (i.e., net worth excluding preference share capital)
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