Investor Presentaiton
HFC Income Statement
INDOSTAR
Particulars (in crs)
Revenue from operations
Interest expenses
Net Interest Income
Other Income
Q1FY24
Q4FY23
Q-o-Q
Q1FY23
Y-o-Y
FY23
FY22
Y-o-Y
59.3
50.6
55.4
208.3
144.6
22.7
17.7
15.7
65.2
49.3
36.6
32.9
11%
39.7
(8)%
143.1
95.3
50%
0.2
0.3
0.2
0.9
0.2
Total Income
36.8
33.2
11%
39.9
(8)%
144.0
95.5
51%
Employee Benefits Expense
14.4
10.1
9.1
45.3
28.8
Depreciation and Amortization Expense
1.2
0.9
0.6
3.2
1.6
Other Expenses
9.6
21.5
7.7
44.5
13.0
Total operating expenses
25.2
32.5
(23)%
17.4
44%
93.0
43.3
115%
Pre-provision operating profit
11.6
0.7
1554%
22.5
(48)%
51.0
52.2
(2)%
ECL Provision
(1.7)
(3.6)
1.0
(6.7)
4.9
Write offs
2.6
(0.2)
0.0
6.5
1.3
Credit costs
0.9
(3.7)
(124)%
1.0
(8)%
(0.2)
6.1
Profit before tax
10.7
4.4
141%
21.5
(50)%
51.2
46.1
11%
Tax
2.7
1.4
5.5
13.5
11.8
Profit after tax
8.0
3.1
158%
16.0
(50)%
37.8
34.3
10%
42
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