Investor Presentation Q4 FY22
Borrowings & Capital Adequacy
Cost of funds
5.5%
Q4 FY21
5.4%
Q3 FY22
4.9%
Q4 FY22
Borrowing Composition
Leverage
OSBI Card
4.0
3.9
4.1
Mar'21
Dec'21
Mar'22
Capital Adequacy Ratio
Tier - I Tier - II
Mar'21
Dec'21
Mar'22
2%
24.8%
24.2%
23.8%
28%
3.9%
2.9%
2.8%
36%
33%
20.9%
21.3%
21.0%
60%
60%
62%
12%
4%
4%
Mar'21
Dec'21
Mar'22
Bank Lines
Commercial Papers
INCD
Term Loan
Liquidity Coverage Ratio
Credit Ratings:
Short Term A1+ by CRISIL & ICRA
:
ā
:
Long Term AAA/Stable by CRISIL & ICRA
73%
79%
60%
62%
60%
50%
Mar'21
Dec'21
Mar'22
LCR%
Statutory requirement
=
Leverage Liabilities / Tier 1 Equity
Finance costs includes interest on lease. Cost of funds is calculated by adding lease liabilities, included in other liabilities, to borrowings.
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