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Key Highlights – Q4FY23 (Standalone):

Assets:

 • Highest ever quarterly Disbursements at ? 6,371 crore, up 151% YoY and 89% QoQ.

• Assets Under Management (AUM) at ? 16,143 crore, up 37% YoY and 16% QoQ.

• Direct Digital Program (DDP) contribution in disbursements increased to 81% in Q4FY23 as compared to 66% in Q3FY23 and to 24% in Q4FY22.

Asset Quality:

• Gross NPA at 1.44%, reduced 185 bps YoY and 25 bps QoQ.

• Net NPA at 0.78%, reduced 52 bps YoY and 11 bps QoQ.

Profitability:

• Highest ever PAT at ? 181 crore for Q4FY23, up 103% YoY and 20% QoQ. For FY23, PAT stood at ? 585 crore, up 100% YoY.

• Highest ever Return on Assets (RoA) for Q4FY23 at 5%, up 178 bps YoY and 53 bps QoQ. For FY23, RoA stood at 4.4%, up 172 bps YoY.

• Net Interest Margin (NIM) for Q4FY23 was at 11.3%, an improvement of 87 bps YoY and 59 bps QoQ. For FY23, NIM was at 10.7%, an improvement of 89 bps YoY.

• Operating expenses for Q4FY23 stood at ? 196 crore, down 4% QoQ.

• Operating Profit (PPOP) for Q4FY23 was at ? 212 crore, up 84% YoY and 36% QoQ

Dividend:

The Board has recommended a dividend of ? 2 per share (100% of face value) for FY23, subject to shareholders’ approval.

Capital Adequacy and Liquidity:

• Capital Adequacy Ratio stood at 39% as of March 31, 2023.

• Liquidity buffer stood at ? 3,001 crore as of March 31, 2023.

Rating Upgrade: CRISIL upgraded the long-term credit rating to AAA.

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