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Investor Presentaiton

RoA Tree FIVE STAR Business Finance Limited Particulars Q2FY2023 Q2FY2022 Q1FY2023 H1FY2023 H1FY2022 H2FY2022 Interest Income (as a % of average portfolio) 24.19% 24.00% 24.15% 24.15% 24.14% 24.00% Interest Expenses (as a % of average borrowings) 10.48% 10.50% 10.53% 10.56% 10.63% 10.39% Net Interest Income % 13.71% 13.50% 13.62% 13.60% 13.51% 13.62% Total Income % (as a % of average total assets) 21.88% 19.29% 20.98% 21.45% 19.42% 20.18% Interest Expenses (as a % of average total assets) 3.68% 4.93% 4.01% 3.85% 5.25% 4.24% Net Interest Margin % 18.20% 14.36% 16.97% 17.61% 14.17% 15.94% Operating Expenses (as a % of average total assets) 6.02% 4.48% 5.47% 5.76% 4.31% 5.32% Loan losses & Provisions (as a % of average total assets) 0.51% 0.22% (0.02%) 0.25% 0.70% 0.74% Profit before Tax (PBT) % 11.66% 9.67% 11.52% 11.60% 9.17% 9.88% Tax % 2.94% 2.30% 2.89% 2.92% 2.25% 2.50% Profit after Tax (PAT) / Return on Total Assets 8.72% 7.37% 8.62% 8.68% 6.91% 7.38% Debt/Equity 0.63 0.83 0.65 0.63 0.83 0.69 Return on Equity 14.55% 14.62% 14.78% 14.66% 14.53% 13.20% Cost to income ratio 35.91% 32.74% 32.12% 34.11% 35.34% 38.02% 31
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