Investor Presentation - Q4 FY22

y-o-y Executive Summary | FY22 Assets Under Management (AUM) *53,803 Mn Disbursement *20,305 Mn Gross Stage 3 / POS (GNPA %) 2.3% (¹) +29.9% Spread(2) 5.6% +60 bps PPOP 2,513 Mn +51.2% +85.2% Cost to Income 34.0% -500 bps Profit After Tax (PAT) (3) ₹1,741 Mn +73.8% In line with RBI circular dated 12 Nov 2021 1.3% prior to such classification Opex to Assets 2.7% 0 bps (3) Return On Assets (ROA) 3.6% +110 bps (1) Pursuant to the RBI circular dated 12 Nov 2021 - "Prudential norms on Income Recognition, Asset Classification and Provisioning (IRACP) pertaining to Advances - Clarifications", the Company has aligned its definition of default and taken steps to comply with the norms/ changes for regulatory reporting, as applicable. Such alignment has resulted in classification of loans amounting to 444.05 millions as Gross Stage 3 (GNPA) as at Mar'22 in accordance with regulatory requirements. Gross Stage 3 prior to such classification for Mar 22 is 1.3%. (2) As per IGAAP (3) YoY growth in PAT and RoA computed considering Adjusted PAT for FY22 without the impact of one-time deferred tax liability adjustment Investor Presentation - Q4 FY22 03 homefirst We'll take you home

View entire presentation