Investor Presentaiton
Key Performance Indicators
Banks & NBFCs
NIMs rising steadily for the lenders; CIR increased marginally
%
Net Interest Margin¹ (%)
$
Cost to Income Ratio² (%)
(%)
6
(%)
50%
49%
50
47%
48%
49%
5.4%
5.1%
4.9%
4.9%
4.9%
5
40
32%
29%
32%
30
28%
31%'
3.2%
2.8%
2.9%
2.9%
2.7%
0
FY19
FY20
FY21
FY22
FY23
20
FY19
FY20
FY21
FY22
FY23
Banks ⚫ NBFCs
1. NIM is calculated as (Interest Income - Interest Expense)/Average Assets 2 Cost to Income is calculated as Operation expense/(net interest income + other income)
Operation Expense excludes "Net loss on fair value changes", "Net loss on derecognition of financial instruments under amortized cost category", "Net Transaction Exchange Loss" and/or
"Loss/write-off on Repossessed Assets and Assets acquired in satisfaction of debt"; NIM has been annualized
Note: Analysis has been made based on 29 NBFCs (10 HFCs, 2 Gold, 3 MFI and 14 Diversified NBFCs) and 35 Banks (12 PSU Banks, 10 Private-New, 9 Private-Old and 4 Small Finance Banks)
Source: Capitaline, Quarterly Results, Investor Presentation, Annual Report, BCG Analysis
11
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