25 YEARS IN INDIA: LEADING WITH IMPACT
Gold Loan
MFIS
Player performance (IV/IV)
Player Performance
Standalone financials
Select NBFCs
Advances¹
Period
NIM² (%)
CIR³ (%)
GNPA (%)
ROA² (%)
ROE4(%)
Rs Cr
FY22
0.1L
9.7
36
3.1
2.8
10.1
CreditAccess™
▲ 26%
▲ 77 bps
▲ 115 bps
▼126 bps
▲ 156 bps
▲ 557 bps
Grameen
FY21
0.1L
9.0
35
4.4
1.2
4.5
FY22
0.05L
9.6
50
1.7
0.2
1.3
ASIRVAD MICROFINANCE LIMITED
0
▲ 13%
▲ 106 bps
▲ 315 bps
▼ 10 bps
▼8 bps
▼ 35 bps
Orgy Subsidiary of MANAPPURAM FINANCE LTD.
FY21
0.05L
8.6
47
1.8
0.3
1.6
FY22
0.05L
7.5
64
8.0
0.5
2.6
SATIN CREDITCARE NETWORK LTD.
Reaching out
Muthoot Finance
MANAPPURAM
FINANCE LIMITED
Make Life Easy
000
▼ 11%
▲ 112 bps
▲ 495 bps
▼39 bps
▲ 71 bps
▲ 352 bps
FY21
0.06L
6.3
60
8.4
(0.2)
(0.9)
FY22
0.6L
10.6
25
3.0
5.9
23.5
▲ 10%
▲ 17 bps
▼73 bps
▲ 211 bps
63 bps
422 bps
FY21
0.5L
10.5
26
0.9
6.5
27.8
FY22
0.2L
12.0
43
3.0
5.0
17.6
▲ 8%
▼136 bps
▲ 1179 bps
▲ 110 bps
▼191 bps
1013 bps
FY21
0.2L
13.3
31
1.9
6.9
27.7
1. Advances are half yearly net Advances 2.RoA and NIM are calculated as % of average assets and are annualized 3. CIR is calculated as Opex by Total
Income (NII+ Other Income) and is annualised 4. RoE are calculated as % of average shareholder's funds and is annualised 5. NA: Not Available
Source: RBI; Capitaline; Press releases; BCG analysis
XXX
Change vs. last year
56
Copyright 2020 by Boston Consulting Group. All rights reserved.View entire presentation