Investor Presentation - Q1 FY23
Key Financial Ratios
Particulars
Profit after tax on average total assets (ROA)
Q1FY23
Q4FY22
Q1FY22
FY22
FY21
3.9%
4.0%(1)
3.1%
3.6%(1)
2.5%
Leverage (Average total assets / average Equity
or average Net worth)
3.3
3.2
3.2
3.3
3.5
Profit after tax on average equity or average Net
worth (ROE)
12.8%
12.5%(1)
10.0%
11.8%(1)
8.7%
Cost to Income Ratio (Operating Expenses / Net
Total Income)
35.8%
35.7%
31.9%
34.0%
39.0%
Operating Expenses / Average total assets
Debt to equity ratio
CRAR (%)
CRAR-Tier I Capital
CRAR Tier II Capital
Book Value Per Share
2.9%
3.0%
2.5%
2.7%
2.7%
2.3
2.2
2.2
2.2
2.2
52.3%
58.6%
56.4%
58.6%
56.2%
51.8%
58.0%
55.2%
58.0%
55.2%
0.5%
0.6%
1.1%
0.6%
1.0%
185.7
179.6
162.0
179.6
158.0
(1) Adjusted RoA and Adjusted RoE for Q4FY22 and FY22 is computed considering Adjusted PAT without the impact of one-time deferred tax liability adjustment
Investor Presentation - Q1 FY23
40
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