Investor Presentaiton
Marginal increase in NIM over the last 5 years; CIR has remained stable
Key performance
indicators
$
Cost to Income Ratio² by NBFC category (%)
Net Interest Margin¹ by NBFC category (%)
(%)
(%)
13.6%
14
50
12
-10.8%.
10
8
-7.4%-
6
4.9%
4
2.6%
43%
10.1%
9.9%
40 -40%
38%
-7.9%
30 32%
5.4%
2.8%
20
15%
2
0
FY19
FY20
FY21
10
FY19
FY22
FY23
-
HFCS
Diversified
Infra
39%
39%
36%
32%
15%
FY20
FY21
FY22
FY23
Gold Loan
NBFC Industry
1 NIM is calculated as (Interest Income-Interest Expense)/Average Assets 2 Cost to Income is calculated as Operation expense/(net interest income + other income)
Operation Expense excludes "Net loss on fair value changes", "Net loss on derecognition of financial instruments under amortized cost category", "Net Transaction Exchange Loss" and/or
"Loss/write-off on Repossessed Assets and Assets acquired in satisfaction of debt"
Note: Analysis has been made based on 29 NBFCs (10 HFCs, 2 Gold, 3 MFI and 14 Diversified NBFCs)
Source: Capitaline, Quarterly Results, Investor Presentation, Annual Report, BCG Analysis
27
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