Investor Presentaiton
Key Performance Indicators
Banks & NBFCs
Most Banks & NBFCs reported lower GNPAS; Credit costs continue
the downward movement
GNPA (%)
(%)
10 19.2%
8.5%
8
7.4%
5.9%
6
Credit Cost¹ (%)
(%)
3
2.1%
1.9%
2
1.8%
1.5%
1.4%
1.3%
0.9%
0.9%
4
3.3%
3.5%
3.8%
3.9%
1
0.6%
2.4%
2.9%
2
FY19
FY20
FY21
FY22
FY23
1. Credit Cost is calculated as provision and contingencies/average assets
Banks
0.6%
0
FY19
FY20
FY21
FY22
FY23
NBFCs
Note: Analysis has been made based on 29 NBFCs (10 HFCs, 2 Gold, 3 MFI and 14 Diversified NBFCs) and 35 Banks (12 PSU Banks, 10 Private-New, 9 Private-Old and Small Finance Banks)
Source: Quarterly Results, Investor Presentation, Annual Report, RBI, BCG Analysis
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