PERFORMANCE METRICS

Redefining success

While the past few years have been challenging, we have demonstrated remarkable resilience by swiftly adapting to the new normal and continuing business operations seamlessly throughout the year. We leveraged the power of digitalisation to improve operational efficiencies, drive sales, enhance customer experience and strengthen processes and controls and gradually refined each of our performance metrics.

Loan disbursement*

(` in crore)

  • FY1936,079
  • FY2018,626
  • FY2110,445
  • FY2211,246
  • FY2314,965

*Retail segment contributed to 99% of the total loan disbursement in FY23.

Loan asset^

(` in crore)

  • FY19+74,023
  • FY2068,394
  • FY2163,189
  • FY2257,895
  • FY2359,273

Retail loan asset^

(` in crore)

  • FY19+56,137
  • FY2053,595
  • FY2151,189
  • FY2250,520
  • FY2355,471

Assets under management#^

(` in crore)

  • FY19+84,722
  • FY2084,169
  • FY2175,403
  • FY2266,983
  • FY2366,617

#Retail segment contributed to 94% of the total AUM in FY23, whereas corporate segment contributed to 6%.

Deposit outstanding^

(` in crore)

  • FY19+14,315
  • FY2016,356
  • FY2117,003
  • FY2217,684
  • FY2317,248

Net interest income

(` in crore)

  • FY192,063
  • FY202,308
  • FY212,323
  • FY221,869
  • FY232,346

Pre-provision operating profit

(` in crore)

  • FY191,923
  • FY202,062
  • FY212,069
  • FY221,660
  • FY232,052

Profit after tax

(` in crore)

  • FY191,192
  • FY20646
  • FY21930
  • FY22836
  • FY231,046

Gross non-performing assets^

(%)

  • FY19+0.48
  • FY202.94
  • FY214.74
  • FY228.13
  • FY233.83

Net non-performing assets^

(%)

  • FY19+0.38
  • FY201.96
  • FY212.77
  • FY225.06
  • FY232.76

Spread

(%)

  • FY192.35
  • FY202.46
  • FY212.77
  • FY222.12
  • FY232.81

Net interest margin

(%)

  • FY192.93
  • FY202.98
  • FY213.16
  • FY222.80
  • FY233.73

Gross interest margin

(%)

  • FY193.34
  • FY203.21
  • FY213.33
  • FY223.16
  • FY234.06

OPEX to ATA

(%)

  • FY190.65
  • FY200.55
  • FY210.50
  • FY220.64
  • FY230.76

Cost to Income

(%)

  • FY1919.61
  • FY2016.89
  • FY2115.06
  • FY2220.24
  • FY2318.67

Return on asset

(%)

  • FY191.61
  • FY200.80
  • FY211.23
  • FY221.24
  • FY231.61

Return on equity

(%)

  • FY1917.44
  • FY208.12
  • FY2110.91
  • FY228.92
  • FY239.98

Gearing^

(%)

  • FY199.59
  • FY208.53
  • FY216.72
  • FY225.37
  • FY234.87

CRAR^

(%)

  • FY1913.98
  • FY2017.98
  • FY2118.73
  • FY2223.40
  • FY2324.43

Earnings per share

(`)

  • FY1971.19
  • FY2038.45
  • FY2155.29
  • FY2249.64
  • FY2362.01

Book value

(` / share )

  • FY19451
  • FY20476
  • FY21530
  • FY22586
  • FY23652

Disbursement per
average employee

(` in crore)

  • FY1924.88
  • FY2011.80
  • FY217.11
  • FY227.99
  • FY239.61

Loan Asset per
employee (average)

(` in crore)

  • FY19+51.05
  • FY2043.31
  • FY2142.99
  • FY2241.12
  • FY2338.04

Pre provision Operating
profit per employee (average)

(` in crore)

  • FY191.33
  • FY201.31
  • FY211.41
  • FY221.18
  • FY231.32

+Principal outstanding including principal overdue
^Indicates dates as on 31st March