Investor Presentaiton
BFL - Key Highlights
Q4 2021-22
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B
FINSERV
Credit Costs
▪ Loan losses & provisions for the Q4 FY22 were Rs. 7,016 Mn vs Rs.
12,308 Mn in Q4 FY21
■ FY22 loan losses and provisions were Rs. 48,034 Mn (vs Rs.
59,686 Mn in FY21) in line with earlier guidance
■ Continues to carry a management overlay of Rs. 10,600 Mn as
of 31 March 2022
■ GNPA & NNPA as of 31 March 2022 stood at 1.60% & 0.68%
respectively as compared to 1.79% and 0.75% as of 31 March 2021
Profitability & Capital
Position
☐
Profit after tax (PAT) for Q4 FY22 increased by 80% to Rs. 24,195
Mn compared to Rs. 13,466 Mn in Q4 FY21
■ FY22 PAT stood at Rs. 70,282 Mn as compared to Rs. 44,198 Mn in
FY21; Highest ever PAT for the quarter and the entire year
Capital adequacy remained very strong at 27.22% as of 31 Mar
2022. Tier-1 capital was 24.75%
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