25 YEARS IN INDIA: LEADING WITH IMPACT
Key Performance
Indicators Industry
Higher NIMs for NBFCs on account of higher yields; CIR for NBFCs almost at pre-
pandemic levels
Net Interest Margin¹ (%)
$
Cost to Income Ratio² (%)
(%)
(%)
50%
49%
6
50
48%
47%
4.9%
4.9%
5.0%
5.1%
5
4
40
40
3
2.7% 2.8%
2.9%
2.9%
2
32%
29%
29%
.31%
30
1
0
FY19
FY20
FY21
FY22
20
FY19
FY20
FY21
FY22
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"
Note: Analysis has been made based on 30 NBFCs (10 HFCs, 2 Gold, 3 MFI and 15 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
13
Copyright 2020 by Boston Consulting Group. All rights reserved.
%View entire presentation