Business Trends and Strategic Changes
Annexure Financial Performance - Standalone
-
Particulars (Rs. crore)
FY23
FY22
Q4FY23
Q4FY22
Q3FY23
Gross yield (1)
24.57%
18.44%
21.57%
21.10%
22.85%
Financial Cost Ratio (2)
8.04%
8.86%
7.93%
9.53%
8.76%
Net Interest Margin (3)
16.54%
9.58%
13.64%
11.57%
14.09%
Operating Expense ratio(4)
6.25%
6.20%
6.14%
7.04%
6.63%
Loan Loss Ratio(5)
5.53%
2.51%
0.66%
2.98%
RoA (6)
3.52%
0.53%
4.90%
3.27%
2.92%
RoE(8)
15.02%
2.60%
20.30%
15.48%
12.41%
Leverage (Total Debt (7) / Total Net Worth)
2.9x
3.4x
2.9x
3.4x
3.1x
Cost to Income Ratio^
37.80%
64.76%
45.00%
60.82%
47.06%
Asset Quality (on-book)
GNPA %
ECL %
FY23
FY22
Q4FY23
Q4FY22
Q3FY23
3.28
8.01
3.28
8.01
3.92
2.10
6.70
2.10
6.70
2.93
Gross Yield represents the ratio of total Income in the relevant period to the Average AUM; adjusted gross yield (excluding extraordinary income of Rs. 352 crore) for FY23 is 19.66%
Financial Cost Ratio represents the ratio of interest Expense in the relevant period to the Average AUM
Net Interest Margin represents the difference between the Gross Yield and the Financial Cost Ratio; adjusted NIM (excluding extraordinary income of Rs. 352 crore) for FY23 is 11.62%
Operating Expenses Ratio represents the ratio of the Operating Expenses (expenses including depreciation but excluding Credit Cost and interest Expense) to the Average AUM
Loan Loss Ratio represents the ratio of credit cost (including FLDG on BC) to the Average AUM
1.
2.
3.
4.
5.
6.
RoA is annualized and represents ratio of PAT to the Average Total Assets
7.
Total Debt includes Securitization and preference shares considered as debt in accordance of IndAS
8.
RoE is annualized and represents PAT to the average equity
^Cost to Income is low on account of extraordinary gain on fair value change for investment in subsidiaries amounting to Rs. 352 crore during Q1FY23; adjusted for FY23 is 53.78%
ATIN
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