Investor Presentaiton
Annexure Financial Performance
-
-
Standalone
Particulars (Rs. crore)
Q1FY22
Q4FY21
Q1FY21
FY21
FY20
Gross yield (1)
18.47%
21.03%
16.16%
17.57%
20.61%
Financial Cost Ratio(2)
Net Interest Margin (3)
Operating Expense ratio(4)*
9.22%
8.88%
8.64%
8.52%
8.49%
9.25%
12.16%
7.53%
9.04%
12.12%
5.82%
6.22%
4.80%
5.22%
6.02%
Loan Loss Ratio (5)
8.98%
2.58%
1.76%
3.96%
2.97%
ROA (6)
-3.76%
2.18%
0.72%
-0.18%
2.26%
RoE(8)
-19.74%
11.95%
3.52%
-0.92%
12.00%
Leverage (Total Debt (7) / Total Net Worth)
4.07x
4.09x
3.68x
4.09x
3.76x
Cost to Income Ratio*
62.92%
51.19%
63.74%
57.74%
49.66%
Asset Quality (on-book)
GNPA %
ECL as % of AUM
Q1FY22
Q4FY21
Q1FY21
FY21
FY20
9.67
8.40
2.43
8.40
3.28
8.44
5.11
3.16
5.11
3.38
1 2 3 4 5
1.
2.
3.
4.
Gross Yield represents the ratio of total Income in the relevant period to the average AUM
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
Operating Expenses Ratio represents the ratio of the Operating Expenses (expenses including depreciation but excluding Credit Cost and interest Expense) to the Average AUM
5. Loan Loss Ratio represents the ratio of credit cost (including FLDG on BC) to the Average AUM
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(Post Preference Dividend) to the average equity (i.e., net worth excluding preference share capital)
*Opex is temporarily high due to lower business volume
SATIN
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