25 YEARS IN INDIA: LEADING WITH IMPACT
Player performance (II/IV)
Player Performance
Standalone financials
Select NBFCs
Advances¹
Period
NIM² (%)
CIR³ (%)
GNPA (%)
ROA² (%)
ROE4(%)
Rs Cr
B
BAJAJ FINANCE LIMITED
SHRIRAM
Transport Finance Company Limited
A WINNING RELATIONSHIP
FY22
1.4L
10.5
35
2.0
4.1
16.3
L&T Financial Services
Chola
Enter a better life
Diversified
Mahindra FINANCE
HDB FINANCIAL
SERVICES
From the trusted family of HDFC Bank Ltd.
ADITYA BIRLA
FINANCE
TATA CAPITAL FINANCIAL SERVICES LIMITED
000
00
000
▲ 28%
▲ 117 bps
▲ 377 bps
▼ 19 bps
▲ 128 bps
▲ 461 bps
FY21
1.1L
9.4
31
2.2
2.9
11.7
FY22
1.2L
6.6
22
7.1
2.0
11.4
▲ 8%
▲ 33 bps
▼ 136 bps
▲ 1 bps
▼ 5 bps
▼117 bps
FY21
1.1L
6.2
24
7.1
2.0
12.6
FY22
0.8L
6.1
35
4.3
0.8
5.0
▼ 1%
▲ 6 bps
▼ 258 bps
NA
▲ 84 bps
▲ 502 bps
FY21
0.8L
6.1
38
NA
0.0
0.0
FY22
0.7L
6.7
35
6.8
2.7
20.2
▲ 13%
48 bps
▲ 375 bps
▲ 280 bps
▲ 55 bps
▲ 310 bps
FY21
0.7L
6.2
32
4.0
2.2
17.1
FY22
0.6L
7.3
36
7.7
1.3
6.5
▲ 1%
▲ 11 bps
▲ 753 bps
130 bps
▲ 85 bps
▲ 395 bps
FY21
0.6L
7.2
28
9.0
0.4
2.6
FY22
0.6L
8.1
52
5.0
1.6
11.2
▼ 2%
▲ 73 bps
▲ 276 bps
49 bps
▲ 99 bps
▲ 649 bps
FY21
0.6L
7.4
49
4.5
0.6
4.8
FY22
0.5L
5.2
31
3.1
2.1
11.9
▲ 13%
▲ 77 bps
▼102 bps
▲ 40 bps
▲ 56 bps
▲ 276 bps
FY21
0.5L
4.5
32
2.7
1.5
9.1
FY22
0.5L
5.3
43
2.2
1.5
11.3
▲ 26%
▲ 32 bps
▲ 235 bps
▼74 bps
▲ 9 bps
▲ 82 bps
FY21
0.4L
5.0
41
3.0
1.4
10.5
FY22
0.3L
4.8
32
2.2
2.6
13.8
SSUNDARAM FINANCE
▼ 3%
▲ 70 bps
▲ 92 bps
▲ 35 bps
▲ 21 bps
▲ 2 bps
Enduring values. New age thinking.
FY21
0.3L
4.1
31
1.8
2.4
13.8
FY22
0.3L
9.9
63
6.3
2.9
12.7
SHRIRAM City
▲ 13%
▼14 bps
▲ 124 bps
▼6 bps
18 bps
▼48 bps
MONEY WHEN YOU NEED IT MOST
FY21
0.3L
10.0
61
6.4
3.1
13.2
FY22
0.3L
H
▲ 20%
HeroFinCorp.
Finance Made Easy
FY21
0.2L
8.3
7.6
47
7.9
(0.7)
(3.9)
▲ 67 bps
▲ 566 bps
50 bps
▼92 bps
540 bps
41
7.4
0.3
1.5
1. Advances are half yearly net Advances 2.RoA and NIM are calculated as % of average assets and are annualized 3. CIR is calculated as Opex by Total
Income (NII+ Other Income) and is annualised 4. RoE are calculated as % of average shareholder's funds and is annualised 5. NA: Not Available
Source: RBI; Capitaline; Press releases; BCG analysis
XXX
Change vs. last year
54
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