Investor Presentation - Q4 FY22
RoE Tree
Particulars
Q4 FY22
Q3 FY22
Q4 FY21
FY22
FY21
Interest Income on term loans / Average total assets
10.8%
10.5%
9.8%
9.9%
10.2%
Net Gain on DA / Average total Assets
1.1%
1.5%
1.7%
1.4%
1.1%
Income other than interest income on term loans/Average total assets
0.9%
1.1%
1.2%
1.1%
1.0%
Total Income / Average total assets
12.8%
13.1%
12.8%
12.4%
12.2%
Interest on borrowings and debt securities / Average total assets
4.4%
4.7%
5.0%
4.5%
5.4%
Net Interest Margin
6.4%
5.8%
4.8%
5.4%
4.7%
Net Total Income / Average total assets
8.4%
8.4%
7.7%
7.9%
6.8%
Operating Expenses / Average total assets
PPOP/Average total assets
Credit Cost / Average total assets
Profit before tax / Average total assets
Tax expense / Average total assets
3.0%
2.8%
3.0%
2.7%
2.7%
5.4%
5.6%
4.8%
5.2%
4.2%
0.2%
0.5%
0.8%
0.5%
0.8%
5.2%
5.1%
4.0%
4.7%
3.4%
1.2%
1.1%
1.1%
1.1%
0.8%
One-time tax adjustment/ Average total assets
(1.0%)
-
(0.2%)
Profit after tax on average total assets
4.9%
4.0%
2.9%
3.9%
2.5%
Adjusted PAT on average total assets (ROA)(1)
4.0%
4.0%
2.9%
3.6%
2.5%
Leverage (Average total assets / average Equity or average Net worth)
3.2
3.1
3.4
3.3
3.5
Profit after tax on average equity or average Net worth (ROE) (1)
Average interest earning assets as % of average total assets
12.5%
12.4%
10.1%
11.8%
8.7%
85.7%
83.0%
77.8%
80.2%
80.3%
Average interest bearing liabilities as % of average total assets
66.6%
65.8%
69.2%
67.7%
69.4%
Interest Earning Assets represents Loans - Principal outstanding (Gross) for the relevant year or period. Interest bearing liabilities represents borrowings (including debt securities) for the relevant year or period.
(1) Adjusted RoA and Adjusted RoE for Q4FY22 and FY22 is computed considering Adjusted PAT for Q4FY22 and FY22 respectively without the impact of one-time deferred tax liability adjustment
Investor Presentation - Q4 FY22
39
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