Shriram Finance Q4 FY23 Financial Overview
Key Metrics
P&L Metrics (Rs. mn)
Interest Income
Less: Interest Expenses
SHRIRAM
HOUSING FINANCE
Q4 FY23 Q3 FY23 Q2 FY23 Q1 FY23
Q4 FY22 YoY (%) QoQ (%)
2,275.1
2,044.4 1,911.4
1,598.8
1,431.1 58.98%
11.28%
FY23
7,829.7
FY22 YoY (%)
5,307.3 47.53%
1,222.1
1,030.3
951.6
749.2
703.0 73.84%
18.62% 3,953.2
2,806.0 40.88%
Net Interest Income
1,053.0
1,014.1
959.8
849.6
728.1 44.62%
3.84% 3,876.5
2,501.3
54.98%
Other Operating Income & Other Income
4.8
1.0
2.4
2.2
1.9
152.63% 380.00%
10.4
9.0
15.56%
Profit After Tax
371.2
363.9 340.3
302.0
220.7
EPS (Rs.)
1.14
Cost to income Ratio (%)
NIM (on AUM)
1.12
66.88% 46.15% 48.09%
6.69% 7.66%
1.05
0.93
7.32%
49.12%
7.17%
68.19%
0.78 46.98%
51.25% 30.51%
6.86% -2.49%
2.01% 1,377.4
803.4
71.45%
2.02%
44.92%
-12.63%
4.23
52.79% 52.40% 0.74%
7.08% 6.08% 16.50%
2.82 49.84%
Balance Sheet Metrics (Rs. mn)
Networth
Book Value (Rs.)
Interest Coverage (x)
ROA (%)
ROE (%)
Tier I CRAR %
Tier II CRAR %
Total CRAR %
2.14% 0.87%
25.48% 25.44% 27.27%
Q4 FY23 Q3 FY23 Q2 FY23 Q1 FY23
12,991.9 12,595.8 10,480.2 10,215.1
39.85 38.65 37.58
1.31 1.35
2.05% 2.23% 2.27%
11.61% 11.73% 11.29%
Q4 FY22
11,349.2
14.47%
36.53
35.59
11.97%
YoY (%) QoQ (%)
3.14%
3.10% 39.85
FY23
12,991.9 11,575.9
FY22 YoY (%)
12.23%
35.59 11.97%
1.48
1.54
1.43
-8.69%
-3.35%
10.30%
23.34% 24.57% 26.33%
28.52%
0.94%
1.04%
29.56%
2.23% 1.81%
7.71% 50.68%
29.87% -21.86%
1.02% 110.78%
30.89% -17.52%
13.37%
-7.97%
1.35
2.13%
-0.99% 11.36% 9.27% 22.58%
-5.02% 23.34% 29.87% -21.86%
147.56% 2.14% 1.02% 110.78%
0.17% 25.48% 30.89% -17.52% 54
1.29
4.96%
1.79%
19.54%View entire presentation