Investor Presentaiton
Financial Highlights
SREI Equipment Finance Limited - Key Ratios
SREI
Together We Make Tomorrow Happen
Key Ratios
2013
2014
2015
2016
2017
H1FY18
Yield on Average Earning Asset (1)
15.23%
15.09%
14.58%
14.57%
13.15%
13.33%*
Cost of Borrowing (2)
10.62%
11.05%
10.63%
10.45%
10.17%
9.48%
NIM % (3)
5.44%
5.42%
5.46%
5.58%
4.92%
5.26%
Cost to income Ratio (4)
29.10%
26.21%
34.98%
35.58%
41.14%
33.81%
Gross NPA/Earning Assets (5)
2.96%
4.97%
4.98%
2.95%
2.48%
2.21%
Net NPA / Earning Assets (6)
2.25%
4.07%
3.83%
1.99%
1.76%
1.56%
Return on Average Earning Assets (7)
1.89%
1.49%
0.98%
0.77%
0.92%
1.16%
Return on Average Net Worth (8)
17.03%
12.23%
7.28%
5.33%
6.23%
8.71%
Capital to Risk Asset Ratio (9)
16.08%
17.07%
16.99%
19.60%
18.59%
16.8%
(1) Yield on Average Earning Assets (%) has been calculated as Yield for the relevant year/period as a percentage of Average of Earning Assets for such year/period. Yield represents
Revenue from Operations for the relevant period as reduced by Depreciation, amortization and impairment on Assets given on Operating Lease and Assets for Own Use (Plant and
Machinery) Brokerage and service charges and (Profit)/Loss on sale of fixed assets (net).
(2) Cost of Borrowings (%) represents Interest cost and other related costs on borrowings for the relevant year/period as a percentage of daily average outstanding of borrowings for such
year/period.
(3) Net Interest Margin (%) represents Net Interest Income for the relevant year/period as a percentage of Average Earning Assets for such year/period.
(4) Cost to Income Ratio (%) represents Operating expenses as a percentage of aggregate of Net Interest Income and Other income. Other income here excludes Profit on sale of fixed
assets (net).
(5) Gross NPAs/Earning Assets (%) represent Gross NPAs as of the last day of the relevant year/period as a percentage of Earning Assets as of the last day of the relevant year/period.
(6) Net NPAs/Earning Assets (%) represents Net NPAs as of the last day of the relevant year/period as a percentage of Earning Assets as of the last day of the relevant year/period.
(7) Return on Average Earning Assets (%) is calculated as PAT for the relevant year/period as a percentage of Average Earning Assets for such year/period.
(8) Return on Average Net Worth (%) is calculated as PAT for the relevant year/period as a percentage of Average Net Worth for such year/period.
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