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%
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