Operating Leverage and Recent Developments
Borrowings & Capital Adequacy
Cost of funds
5.2%
Q1 FY21
4.9%
Q4 FY22
5.1%
Q1 FY23
Borrowing Composition
Leverage
OSBI Card
3.7
4.1
3.9
Jun'21
Mar'22
Jun'22
Capital Adequacy Ratio
Tier - I Tier - II
Jun'21
Mar'22
2%
Jun'22
2%
26.1%
23.8%
24.7%
3.5%
34%
33%
32%
2.8%
3.2%
22.6%
21.0%
21.5%
58%
62%
61%
4%
5%
8%
Jun'21
Mar'22
Jun'22
Bank Lines
Commercial Papers
INCD
Term Loan
Liquidity Coverage Ratio
Credit Ratings:
Short Term A1+ by CRISIL & ICRA
:
ā
:
Long Term AAA/Stable by CRISIL & ICRA
75%
79%
84%
60%
60%
50%
Jun'21
Mar'22
Jun'22
LCR%
Statutory requirement
=
Leverage Liabilities / Tier 1 Equity
Finance costs includes interest on lease. Cost of funds is calculated by adding lease liabilities, included in other liabilities, to borrowings.
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