Investor Presentation Q4 FY22
Executive Summary FY22 (VS FY21)
Profitable
operations
PAT 1,616 Cr, ▲ 64% YoY
Market Share
(FY22)*
Cards in force 18.9% (FY21 19.1%), Spends
19.2% (FY21 19.4%), Transactions 19.8%
(FY21 19.7%)
1
PAT
1,616
ROAA
5.4%
▲ 64%
▲ 156 bps
Figures in Cr
OSBI card
ROAE
22.8%
▲ 621 bps
Growing Portfolio
▲ 16% YoY in cards, 52% YoY in spends,
25% YoY in receivables
CAR
23.8%
Receivables
31,281
NNPA
0.78%
92 bps
▲ 25%
37 bps
Asset Quality
Adequate liquidity
GNPA @ 2.22%, NNPA @ 0.78%
Management overlay at 51 Cr.
Diversified borrowings mix, adequate banking
limits available.
Healthy CAR @ 23.8%, T-1 @ 21.0%
Cards in Force
1.38 Cr
▲ 16%
*As per RBI report available till Feb'22
Represents YoY growth over FY21
GNPA 2.22% in Mar'22 vs 4.99% in Mar'21
Spends
186,353
52%View entire presentation