Investor Presentaiton

y-o-y Executive Summary |q-o-q Assets Under Management (AUM) * 62,754 Mn Disbursement *7,022 Mn +6.2% Gross Stage 3 / POS (GNPA %) 1.9(1) In line with RBI circular dated 12 Nov 2021 1.1% prior to such classification - 20 bps +35.9% +7.6% +36.3% Spread(2) 5.8% Cost to Income 37.4% Opex to Assets 3.1% +30 bps +20 bps +20 bps No Change +220 bps +160 bps PPOP ₹741 Mn +24.3% +6.0% Profit After Tax (PAT) (3) *543 Mn +25.9% +5.9% (3) Return On Assets (ROA) 3.8% +10 bps -10 bps (1)Pursuant to the RBI circular dated 12 Nov 2021 - "Prudential norms on Income Recognition, Asset Classification and Provisioning (IRACP) pertaining to Advances - Clarifications", the Company has aligned its definition of default and taken steps to comply with the norms/ changes for regulatory reporting, as applicable. Such alignment has resulted in classification of loans amounting to 442.39 millions as Gross Stage 3 (GNPA) as at Sep'22 in accordance with regulatory requirements. Gross Stage 3 prior to such classification for Sep'22 is 1.1%. (2) As per IGAAP (3)YoY growth in PAT and RoA computed considering Adjusted PAT for Q2FY22 without the impact of one-time deferred tax liability adjustment Investor Presentation - Q2 FY23 03 homefirst We'll take you home

View entire presentation