Investor Presentaiton
Performance Highlights (Q1 FY21)
Profitable operations
PAT 393 Cr, YoY 14%
■ ROAA 6.3%, ROAE 28.3%
Positive operating leverage; Cost to income 47.2% (Q1 FY20 53.6%)
Improving market share
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Sustaining growth
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OSBI Card
Market share*: Cards 18.3% (Q1 FY20 17.8%), Spends 19.6% (Q1 FY20 17.2%)
Growing above industry average
20% YoY growth in cards; 10% YoY growth in Receivables
Interest Income driving revenue growth, constitutes 66% of revenue from operations
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GNPA @ 1.4% at Jun20 (Q1 FY20 2.7%)
Asset quality
No change in COVID provisions created in Mar'20
Adequate liquidity and CAR
Diversified borrowings mix, adequate unutilized banking credit available
Healthy CAR @ 24.4%, T-1 @ 20.1%
•
As per RBI report available till Apr/20
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