Investor Presentaiton
Quarterly and Annual Profit and Loss Statement
Particulars (in Mn)
Q2FY23
Q1FY23
Q2FY22
QoQ
YOY
FY22
FY21
YOY
Interest Income on term loans
1,637.2
1,449.9
1,154.4
12.9%
41.8%
4,770.5
4,061.3
17.5%
Net gain on DA
93.3
99.0
170.7
678.4
439.3
Income other than interest income on term
loans (1)
163.6
144.5
136.1
508.2
390.9
Total Income
1,894.1
1,693.4
1,461.2
11.8%
29.6%
5,957.1
4,891.5
21.8%
Interest expense
2,148.2
2,165.8
-0.8%
709.0
604.6
540.8
2,622.3
1,895.5
38.3%
Net Interest Income
928.2
845.3
613.6
9.8%
51.3%
Net Total Income
3,808.9
2,725.7
39.7%
1,185.1
1,088.8
920.4
8.8%
28.7%
Operating Expenses (2)
PPOP
443.7
389.7
324.0
1,295.7
1,063.8
741.4
699.1
596.4
6.0%
24.3%
2,513.2
1,661.9
51.2%
Credit Cost
49.7
36.1
33.3
250.2
321.5
Profit before tax
691.7
663.0
563.1
4.3%
22.8%
2,263.0
1,340.4
68.8%
Tax expense
149.0
150.5
132.1
522.1
339.0
One-time tax adjustment(3)
(17.7)
(120.1)
Profit after tax
542.7
512.5
448.7
1,861.0
1001.4
Adjusted PAT(4)
542.7
512.5
431.0
5.9%
25.9%
1,740.8
1001.4
73.8%
Basic EPS
Diluted EPS
6.2
6.0
5.8
5.7
5.1
5.0
21.3
12.4
20.9
12.2
(1) Income other than interest income on term loans includes interest on bank deposits, other interest income, fees and commission income, other operating income and other income
(2) Operating Expenses is the sum of Employee Benefits Expenses, Depreciation and Amortization, Interest on lease liability, Bank charges and other Expenses for the relevant year or period as per the financial statements.
(3) In Q2FY22, the Company has reversed DTL created on the amount transferred to special reserve.
(4) QoQ growth and YoY growth in PAT computed considering Adjusted PAT for Q2FY22 and FY22 respectively without the impact of one-time deferred tax liability adjustment
38
Investor Presentation - Q2 FY23
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