Quarterly Financial Performance
Efficiency in profitability
Consistent NIM profile & stable NII contribution
NIM %
Cost to Income and fee mix
Cost to Income %
70
6.0
65
5.5
60
5.0
4.5
4.4 4.4
4.4
4.3
4.3
4.4 4.3
4.2
4.1
55
4.5
4.0
49.7 49.6
50
4.0
45.6 44.6 44.3 43.4
45
3.5
41.0 39.7 38.6
36.3
36.9
40
3.0
35
2.5
30
2.0
25
1.5
20
1.0
FY12
FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22
FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22
NIM based on average total assets
NII to Net Revenue %
Well diversified, high quality non-fund fee income
90
85
8%
7%
6%
7%
7%
20%
19%
18%
18%
20%
80
75
69
70
70
70
14
71
72
73 72
73
71
22
72
71
14
30%
36%
38%
33%
30%
70
65
18%
16%
17%
22%
23%
60
55
24%
23%
20%
19%
20%
50
FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22
FY18
Retail assets
FY19
TPP
FY20
Payment products
FY21
FY22
Retail liabilities
Wholesale
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