Investor Presentaiton
Key Performance Indicators
RoA driver tree: NBFCs' ROA improved 45 bps in FY23 on higher
NIMs, lower credit costs
RoA Tree
HFCS
Diversified
Gold Loan
MFIS
Industry
Particulars1
UOM
FY23
FY22
FY23
FY22
FY23
FY22
FY23
FY22
FY23
FY22
Net interest Margin
(%)
↑ 2.8
2.7
↑ 7.9
7.3
↓9.9
11.0
↑ 10.1
9.1
↑ 5.4
5.0
Fee + Other Income
(%)
0.6
0.6
↑ 1.6
1.4
↑ 0.3
0.2
↑ 2.4
1.1
↑ 1.0
0.9
Operating expenses
(%)
0.5
0.5
↑ 3.7
3.2
13.7
3.4
5.1
5.1
↑ 2.1
1.8
Pre-Provision Profit²
(%)
↑ 2.9
2.8
↑ 5.8
5.6
↓6.5
7.8
↑ 7.5
5.1
↑ 4.4
4.1
Credit costs
(%)
↓0.4
0.5
1.5
2.4
↓0.1
0.2
↓3.0
3.9
↓↓0.9
1.3
Tax
(%)
0.5
0.5
↑ 1.5
0.9
1.6
1.9
↑ 1.4
0.5
↑ 1.0
0.7
Return on Assets
(%)
↑ 2.0
1.8
↑ 2.9
2.1
↓ 4.8
5.6
↑ 3.7
1.4
↑ 2.5
2.1
1. All the above #s are as a % of Average Assets, 2. Pre-provision profit may not tally due to rounding off error 3. Other Expenses include "Net loss on fair
value changes", "Net loss on derecognition of financial instruments under amortized cost category", "Net Transaction Exchange Loss" and/or "Loss/write-off
on Repossessed Assets and Assets acquired in satisfaction of debt"
1. Note: Analysis has been made based on 29 NBFCs (10 HFCS, 2 Gold, 3 MFI and 14 Diversified NBFCs)
2. Source: Capitaline, Quarterly Results, Investor Presentation, Annual Report, BCG Analysis
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