Investor Presentation - Q3 FY22
Key Financial Ratios
Particulars
FY21
FY20
Q3 FY22
Q2 FY22
Q3 FY21
Profit after tax on average total assets (ROA)
4.0%
3.9%(1)
1.7%
2.5%
2.7%
Leverage (Average total assets / average Equity or average
Net worth)
3.1
3.2
3.7
3.5
4.1
Profit after tax on average equity or average Net worth (ROE)
12.4%
12.5%(1)
6.1%
8.7%
10.9%
Cost to Income Ratio (Operating Expenses / Net Total
Income)
33.0%
35.2%
50.0%
38.9%
45.8%
Operating Expenses / Average total assets
Debt to equity ratio
CRAR (%)
CRAR Tier I Capital
-
CRAR Tier II Capital
-
Book Value Per Share
2.8%
2.8%
3.0%
2.7%
3.5%
2.0
2.1
2.6
2.2
2.7
59.0%
56.4%
52.3%
56.2%
49.0%
57.8%
55.2%
51.0%
55.2%
47.7%
1.2%
1.2%
1.3%
0.9%
1.3%
172.4
167.1
132.7
158.0
119.2
(1) Q2FY22 Adjusted RoA at 3.7% and Adjusted RoE at 12.0% computed considering Adjusted PAT without the impact of one-time deferred tax liability adjustment
Investor Presentation -Q3 FY22
39
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