financial_information
  (Click item to view chart) Amount in INR crores
  Particulars
FY17  
   
1,228  
172  
 
124  
   
   
-  
0  
4  
43  
71  
85  
1  
1,728  
   
622  
406  
134  
13  
553  
359  
1,535  
193  
109  
-  
290  
21.56  
177  
13.80  
FY16  
   
954  
110  
-  
73  
   
   
-  
0  
15  
50  
62  
56  
2  
1,321  
   
485  
292  
103  
8  
404  
39  
927  
394  
91  
-  
303  
23.33  
109  
12.73  
FY15  
   
566  
67  
 
46  
   
   
-  
0  
26  
29  
23  
44  
2  
803  
   
279  
232  
84  
5  
320  
10  
609  
194  
6  
-  
188  
15.04  
83  
12.63  
FY14  
   
393  
56  
 
34  
   
   
-  
0  
18  
9  
9  
25  
1  
545  
   
214  
166  
77  
4  
246  
15  
475  
70  
-  
-  
70  
6.47  
42  
10.80  
  Income from Operations
  Interest income on portfolio loans
  Excess interest spread on securitization
  Membership fee
  Loan processing fee
   
  Other Income
  Insurance commission
  Group insurance administration charges
  Recovery against loans written off
  Facilitation fees from Cross-sell
  BC fees
  Income on investments
  Miscellaneous income
  Total revenue
   
  Financial expenses
  Personnel expenses
  Operating and other expenses
  Depreciation and ammortisation
  Total operating cost
  Provision and write-offs
  Total expenditure
  Profit before tax
  Tax expense
  MAT Credit Entitlement
  Profit after tax
  EPS - Diluted (INR)
  Book Value (INR)
  No.of shares outstanding (crores)

 Taxes, Profitability ratios, Return on Avg GLP are calculated before MAT Credit
Note: 1. figures rounded where necessary
  2. figures are from restated financials as disclosed in RHP document
 
 
  (Click item to view chart) Amount in INR crores
  Particulars
FY17  
138  
34  
2,275  
2,447  
7,125  
204  
29  
1  
76  
31  
37  
-  
28  
5  
41  
393  
 
7,971  
10,418  
   
17  
5  
0.2  
2,871  
11  
4.0  
11  
25  
41  
7,083  
-  
92  
4  
1  
-  
2  
16  
6  
-  
22  
10,418  
FY16  
127  
25  
1,231  
1,383  
5,130  
247  
44  
2  
64  
24  
38  
-  
21  
4  
124  
74  
0.00  
5,771  
7,154  
   
11  
5  
-  
1,942  
6  
-  
10  
12  
124  
4,806  
11  
160  
4  
1  
-  
3  
16  
4  
-  
39  
7,154  
FY15  
126  
25  
895  
1,046  
3,280  
180  
23  
2  
31  
19  
10  
6  
14  
3  
42  
42  
0.00  
3,652  
4,699  
   
5  
5  
-  
1,659  
9  
1.0  
11  
8  
42  
2,824  
13  
86  
4  
1  
-  
5  
14  
3  
-  
8  
4,699  
FY14  
108  
20  
331  
459  
1,531  
180  
28  
6  
21  
7  
6  
2  
11  
1  
37  
29  
179.00  
2,038  
2,497  
   
7  
5  
-  
671  
5  
1.0  
7  
10  
37  
1,460  
193  
68  
4  
1  
-  
5  
14  
2  
-  
6  
2,497  
  Equity share capital
  Stock options outstanding
  Reserves and surplus
  Capital and Reserves
  Loan funds
  Payable towards assignment/Securitisation
  Expenses & other payables
  Provision for Taxation
  Unammortised loan processing fees
  Employee benefits payable
  Interest accrued but not due on borrowings
  Interest accrued and due on borrowings
  Provision for leave benefits & gratuity
  Statutory dues payable
  Unrealised gain on securitisation transactions
  Provision for standard and NPA - Non-AP
  Provision for standard and NPA - AP
  Liabilities
  Total liabilities
   
  Fixed assets
  Intangible assets
  Investment
  Cash and bank balances
  Trade receivable
  Interest accrued and due on loans
  Interest accrued but not due on loans
  Interest accrued but not due on deposits with banks
  Interest strip on securitisation transactions
  Portfolio loans - Non-AP
  Portfolio loans - AP (Fully Provided)
  Loans placed as collateral
  Security Deposits for Rent and other utilities
  Advances for Loan cover Insurance
  Surrender amount receivable from Insurance co.
  Loans to BFIL employee benefit trust
  Advance Income Tax
  Prepaid Insurance
  MAT credit entitlement
  Other advances
  Total assets

 Taxes, Profitability ratios, Return on Avg GLP are calculated before MAT Credit
Note: 1. figures rounded where necessary
  2. figures are from restated financials as disclosed in RHP document
 
 
  (Click item to view chart)  
  Particulars
FY17  
   
20.1%  
17.1%  
7.3%  
6.5%  
4.2%  
1.3%  
19.2%  
1.0%  
   
   
50.0%  
   
   
%  
6.0%  
2.70%  
428  
185  
 
   
2.9  
3.8  
   
33.5%  
   
   
0.9%  
3.9%  
%

FY16  
   
23.3%  
18.8%  
8.5%  
7.1%  
0.7%  
1.6%  
17.9%  
5.3%  
   
   
48.0%  
   
   
99.8%  
0.1%  
0.00%  
4  
2  
 
   
3.7  
5.9  
   
23.1%  
   
   
5.2%  
25.1%  
4.2%

FY15  
   
23.9%  
18.8%  
8.3%  
9.5%  
0.3%  
0.2%  
18.3%  
5.6%  
   
   
61.0%  
   
   
99.8%  
0.1%  
0.00%  
2  
1  
 
   
3.1  
4.5  
   
31.7%  
   
   
5.3%  
21.6%  
4.3%

FY14  
   
21.2%  
17.5%  
8.3%  
9.6%  
0.6%  
-  
18.5%  
2.7%  
   
   
74.5%  
   
   
99.8%  
0.1%  
0.10%  
2  
2  
 
   
3.3  
6.5  
   
27.2%  
   
   
2.9%  
16.7%  
2.3%

  Spread analysis ( as % of average gross loan portfolio)
  Gross yield
  Portfolio yield
  Financial cost
  Operating cost
  Provision and write-offs
  Taxes
  Total expenses
  Return on average gross loan portfolio
   
  Efficiency:
  Cost to income
   
  Asset quality:
  Collection Efficiency
  Gross NPA
  Net NPA
  Gross NPA (INR Crs.)
  Net NPA (INR Crs.)
 
  Leverage:
  Debt : Equity
  Debt : Equity (Incl. Securitised & Managed Loans)
   
  Capital adequacy ratio
   
  Profitability:
  Return on average assets
  Return on average equity
  Return on average assets(including assigned portfolio)

  Taxes, Profitability ratios, Return on Avg GLP are calculated before MAT Credit
Note: 1. figures rounded where necessary
  2. figures are from restated financials as disclosed in RHP document
 
 
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