Investor Presentaiton
Consistent Financial Performance over the years¹
FIVE STAR
Business Finance Limited
Particulars (Mn)
FY2015
FY2016
FY2017
FY2018
FY2019
FY2020
FY2021
FY2022
Operational Information
Number of branches
39
64
103
130
173
252
262
299
Loan disbursals
793
1,319
3,830
7,072
14,822
24,087
12,450
17,562
AUM
1,315
1,981
4,834
10,084
21,128
38,922
44,454
50,671
Number of employees
167
293
691
1,290
1,971
3,734
3,938
5,675
Financial Information
Income from Operations
336
473
859
2,082
4,089
7,873
10,513
12,562
Interest expenses
104
141
237
578
769
2,156
3,261
2,984
Net Interest Income (NII)
232
332
622
1,504
3,320
5,717
7,252
9,578
Operating Expenses
76
122
286
625
1,060
1,731
2,136
3,081
Loan losses & Provisions
4
7
28
93
76
493
352
455
Profit Before Tax (PBT)
152
203
308
786
2,184
3,493
4,764
6,042
Profit After Tax (PAT)
99
134
194
558
1,567
2,620
3,589
4,535
Total Comprehensive Income
99
134
194
558
1,563
2,608
3,582
4,513
Ratios
Cost to Income
34.48%
38.86%
50.48%
47.74%
34.22%
38.90%
34.31%
36.92%
Return on Total Assets
7.04%
6.87%
4.22%
5.82%
8.78%
7.31%
6.99%
7.16%
Return on Equity
16.65%
16.47%
12.26%
12.97%
15.14%
15.36%
16.85%
13.85%
Gross Stage 3 assets / Gross NPA²
1.81%
1.82%
2.47%
1.43%
0.89%
1.37%
1.02%
1.05%
Net Stage 3 assets / Net NPA³
1.48%
1.52%
2.07%
0.94%
0.68%
1.13%
0.83%
0.68%
Provision Coverage Ratio - overall AUM
0.57%
0.54%
0.81%
0.97%
0.80%
1.58%
1.95%
2.03%
Provision Coverage Ratio - Stage 3
18.40%
16.34%
16.24%
33.89%
22.99%
17.67%
17.92%
34.91%
CRAR
Debt/Equity ratio
52.17%
1.24
39.14%
43.78%
58.82%
64.09%
52.94%
58.86%
75.20%
1.43
2.04
0.92
0.70
1.22
1.48
0.69
Notes: 1. Financials from FY2019 are as per Ind-AS and earlier years as per I-GAAP; 2. Gross Stage 3 Assets / Gross NPA represents loans which are more than 180 days past due till FY2016 and loans which are more than 90 days past due thereafter, as a percentage of the
overall loan portfolio; 3. Net Stage 3 Assets / Net NPA denotes Gross Stage 3 assets / Gross NPA reduced by impairment allowance on such loans, represented as a percentage
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