Investor Presentaiton slide image

Investor Presentaiton

RoE Tree Particulars Q2 FY23 Q1 FY23 Q2 FY22 FY22 FY21 Interest Income on term loans / Average total assets 11.4% 10.9% 10.0% 9.9% 10.2% Net Gain on DA / Average total Assets 0.7% 0.8% 1.5% 1.4% 1.1% Income other than interest income on term loans/Average total assets 1.1% 1.1% 1.2% 1.1% 1.0% Total Income / Average total assets 13.2% 12.8% 12.7% 12.4% 12.2% Interest on borrowings and debt securities / Average total assets 5.0% 4.6% 4.7% 4.5% 5.4% Net Interest Margin 6.5% 6.4% 5.3% 5.4% 4.7% Net Total Income / Average total assets 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 8.3% 8.2% 8.0% 7.9% 6.8% 3.1% 2.9% 2.8% 2.7% 2.7% 5.2% 5.3% 5.2% 5.2% 4.2% 0.3% 0.3% 0.3% 0.5% 0.8% 4.8% 5.0% 4.9% 4.7% 3.4% 1.0% 1.1% 1.1% 1.1% 0.8% One-time tax adjustment/ Average total assets (0.2%) (0.2%) Profit after tax on average total assets 3.8% 3.9% 3.9% 3.9% 2.5% Adjusted PAT on average total assets (ROA)(1) 3.8% 3.9% 3.7% 3.6% 2.5% Leverage (Average total assets / average Equity or average Net worth) Profit after tax on average equity or average Net worth (ROE) (1) Average interest earning assets as % of average total assets Average interest bearing liabilities as % of average total assets 3.5 3.3 3.2 3.3 3.5 13.1% 12.8% 12.0% 11.8% 8.7% 87.0% 85.9% 77.4% 80.2% 80.3% 69.3% 68.3% 66.9% 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 Q2FY22 and FY22 is computed considering Adjusted PAT for Q2FY22 and FY22 respectively without the impact of one-time deferred tax liability adjustment Investor Presentation - Q2 FY23 39 home first We'll take you home
View entire presentation