Axis Bank Limited · NSE:AXISBANK
Axis Bank — Q3 FY2022 Earnings Presentation
75 slides from Axis Bank's earnings presentation, Feb 22, 2022
Slide 1: Analysts/institutional investors meet filing cover letter
AXIS/CO/CS/626/2021-22 February 22, 2022 Chief Manager, The Deputy General Manager, Listing & Compliance Department Listing Department National Stock Exchange of India Limited BSE Limited Exchange Plaza, 5th Floor 1st Floor, New Trading Ring, Plot No. C/1, “G” Block Rotunda Building Bandra-Kurla Com
Slide 2: Details of analysts/institutional investors meet held on February 22, 2022
Details of analysts/institutional investors meet held on February 22, 2022 J.P Morgan India Bank CEO Access Day Sr. Institution Name No. 1 Allard Partners 2 Allianz Insurance 3 Apah Capital Management Limited 4 AR Capital 5 Bharti Axa Life 6 Birla Mutual Fund 7 Cathay life Insurance Company 8 Eastsp
Slide 3: Institution list (continued)
13 Infina Finance 14 Janchor Partners 15 JM Financial Services 16 Kotak Mahindra Asset Management 17 Laburnum Capital 18 Makrana Advisors 19 Navi Asset Management 20 Nikko Global Asset Management 21 One Up Financial Consultants 22 Partners Bay 23 Point72 24 SBI Funds Management 25 Tata AIA Life Insu
Slide 4: Investor Presentation Quarterly Results Q3FY22
Investor Presentation Quarterly Results Q3FY22 NSE: AXISBANK BSE: 532215 LSE (GDR): AXB
Slide 5: Axis Bank at a glance
Axis Bank at a glance Axis Bank 3rd largest 4,700 86,250+ 5th straight year Private Bank in India Branches* Employees Constituent of FTSE 4Good EI ^ Traditional Banking Segment Digital Banking Segment Market Share 5.0% 4.6% 5.7% 15% 15% 12% Assets # Deposits ## Advances ## UPI ** Mobile** CIF ^^ Pro
Slide 6: Agenda
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Quarterly Results Q3 FY22 3
Slide 7: Major highlights of Q3FY22
Major highlights of Q3FY22 Strong growth across deposits and loans, robust operating performance, improving asset quality • Deposits on QAB basis grew by 22% YOY and 3% QOQ, Net Loans grew 17% YOY and 7% QOQ • On QAB basis, SA grew 24% YOY and 4% QOQ, CA deposits grew 27% YOY and 13% QOQ Strong grow
Slide 8: Key metrics for Q3FY22
Key metrics for Q3FY22 Snapshot (As on 31st December 2021) All figures in ` Crores Deposits (QAB) 22% YOY Advances 17% YOY Absolute (Rs. Cr) YOY Growth Q3FY22 9MFY22 Q3FY22 9MFY22 Net Interest Income 8,653 24,313 17% 12% Profit & 35% Loss Fee Income 3,344 9,242 15% 26% Operating Expenses 6,331 17,03
Slide 9: Agenda: Financial Highlights
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Quarterly Results Q3 FY22 6
Slide 10: Strong growth performance across deposits and loans
Strong growth performance across deposits and loans Deposits (QAB)^ Loans All figures in ₹ Billion 6,649 17% YOY 7,134 7,356 6,144 6,149 6,217 6,858 22% YOY 5,698 7% 6,427 7% 7% 52% YOY 6,048 6% 6% 15% YOY 94% 94% 93% 93% 93% Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Dome
Slide 11: We have lifted our CASA growth trajectory considerably
We have lifted our CASA growth trajectory considerably led by… All figures in ` Crores 25% 21% 19% 18% 16% 15% 14% 13% 13% 13% 12% 12% 11% 10% 10% 9% 1,01,603 90,301 87,507 87,846 80,003 76,738 74,491 74,312 69,687 64,993 68,777 66,709 66,664 61,334 61,348 60,581 2,21,207 2,12,411 2,01,631 1,88,910
Slide 12: Improvement in the persistence of average CASA balances
…improvement in the persistence of our average CASA balances… Our focus on QAB deposits rather than period end balances has ensured stability and persistence of deposits CA QAB as % of period end SA QAB as % of period end CASA QAB as % of period end CA balances SA balances CASA balances 86% 95% 92%
Slide 13: Declining cost of deposits, supported by granular deposits
…resulting in declining cost of deposits, supported by granular deposits comprising of CASA and retail term deposits All figures in ` Billion (CASA + RTD*) ratio^ & cost of deposits Retail term deposits^ 4.09% 3.90% 3.78% 3.69% 3.60% 86% 86% 83% 83% 83% 5% 2% 3% 0.4% 1% 43% 43% 41% 41% 39% 12% YOY 2
Slide 14: Net Profit up 224% YOY & 15% QOQ
Net Profit up 224% YOY & 15% QOQ, Operating profit up 17% YOY & 4% QOQ All figures in ₹ Crores Operating revenue * Operating expense 2.05% 2.12% 2.15% 1.96% 1.96% 12,493 6,331 11,699 21% YOY 5,771 11,096 11,118 5,359 10,302 5,054 4,932 3,840 3,541 3,358 3,798 31% YOY 2,929 4,393 3,835 3,376 3,691 3,
Slide 15: Net interest margin up 14 bps QOQ
Net interest margin up 14 bps QOQ Advances mix by rate type Cost of Funds MCLR Duration Split 34% (Dec-21) 3% 5.42% 1M 3% 5.20% 2% 3M, 2% 4.93% 34% 4.60% 6M, 9% 4.30% 12M, 13% 4.10% 3.97% 3.87% 3.77% 26% MCLR linked Fixed Foreign currency- floating Base Rate linked Repo linked Q3FY20 Q4FY20 Q1FY21 Q
Slide 16: Granularity in fees across business segments
We have built granularity in fees across our business segments All figures in ₹ Crores Retail Banking fees Retail fee mix 16% YOY 6% QOQ 34% 34% 35% 27% 23% 23% 24% 20% 21% 19% 21% 19% 2,164 2,039 2,161 ^ 1,856 1,660 TPP Retail card Retail Assets excl Cards Others Q3FY21 Q2FY22 Q3FY22 • 33%YOY and 1
Slide 17: Agenda: Capital and Liquidity Position
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Quarterly Results Q3 FY22 14
Slide 18: Strong capital position with adequate liquidity
Strong capital position with adequate liquidity Bank’s Capital Adequacy Ratio Liquidity Coverage Ratio (consolidated) 140% 130% 120% 120% 19.12% 18.72% 117% 116% 120% 113% 115% 113% 17.53% 15.84% 3.72% 110% 107% 3.39% 4.19% 4.57% 15.40% 15.33% 100% 13.34% 90% 11.27% 80% 70% 60% Mar 19 Mar-20 Mar-21
Slide 19: Agenda: Business Segment Performance
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Quarterly Results Q3 FY22 16
Slide 20: Retail Banking
Retail Banking ~27.5 Mn 4th 2nd Largest issuer of Largest player in SA customers Credit Cards ** Merchant Acquiring # `2.7 Tn 83% 67% AUM in wealth CASA + RTD ratio Sourcing* from ETB Management (QAB) customers 24% 18% 65% YOY Growth in SA YOY Growth in Share in total fee^ QAB deposits advances * fo
Slide 21: Strong growth in SA deposits led by premiumisation strategy
Strong growth in SA deposits led by deepening and premiumisation strategy • Created liability sales vertical in FY20 to have greater outreach and sharper focus on quality of NTB* acquisitions; Branch channel continued • its focus on deepening ETB* relationships • Premiumisation strategy focuses on i
Slide 22: Retail loan book diversified and ~80% secured
Rs 3.7 trillion Retail loan book is well diversified and ~80% secured with significantly high proportion of ETB and salaried customers Higher customer engagement led to broad base growth from ETB relationships Retail book ~ 80% of our retail book is secured Disbursement trends in secured loans (in ₹
Slide 23: Increase in CIF market share with card issuances
Increase in CIF mkt share with increasing card issuances aided by KTB partnerships ( All figures in mn ) CC issuances at an all time high… …with rising share of KTB^ contribution… 0.28 mn cards issued in Dec’21, 2 highest ever monthly card issuances nd share of KTB sourcing to total card 40% issuanc
Slide 24: 1.72 million CIF for Flipkart Axis Bank Credit Card
End to End Digital KTB acquisition journey with best in class early activation and spend metrics for Flipkart Axis Bank Credit Card Customer clicks on Customer fills up the 1.72 million CIF for Flipkart Axis Bank Flipkart Axis Bank form and submits the Credit Card, making it one of the fastest growi
Slide 25: Credit card spends up 52% YOY
Credit card spends up 52% YOY; retail cards market share improves further All figures In ₹ Cr ‘GRAB DEALS’, Axis Bank's exclusive shopping platform has scaled up significantly 61% QOQ growth in transactions ~120% QOQ increase in GMV Retail Cards market share continues to improve steadily Trend in De
Slide 26: 2nd largest Merchant Acquiring Bank
We are now the 2nd largest Merchant Acquiring Bank led by ‘One Axis’ focus, improved product capabilities and partnerships 42% 40% Axis incremental market Growth in Axis Bank POS terminals in 8MFY22 share in 8MFY22 leading to 315 bps increase in market share Market share in POS terminals Rank 3rd 4t
Slide 27: Leading player in India's Wealth Management space
The Bank is a leading player in India’s Wealth Management space All figures In ₹ Cr Overall Burgundy AUM^ has grown steadily Burgundy Performance has been strong (CAGR for Mar’17 -Dec’21 period) 37% YOY 3% QOQ 2,66,675 2,13,085 4th 29% Assets under management largest Wealth 1,47,002 Management 1,23,
Slide 28: Strong and well diversified distribution network
We have a strong and well diversified distribution network Domestic branch network* Branch presence across categories Axis Virtual Centre 4,594 4,700 4,528 16% 4,050 30% 5 mn 6 Customer Centers connect ^ 31% 1500 Virtual RMs 23% Mar-19 Mar-20 Mar-21 Dec-21 * Includes extension counters Metro Urban S
Slide 29: Corporate & Commercial Banking
Corporate & Commercial Banking 13% 20% 44% YOY growth in YoY growth in YoY growth in corporate advances CBG* advances Mid Corporate book 36% 87% 92% Share of short Share of corporate Incremental sanctions term loans to overall advances to clients to A-and above** corporate loans rated A-and above 27
Slide 30: Relationship led franchise driving synergies across One Axis
Strong relationship led franchise driving synergies across One Axis entities We have re-oriented the organisation structure in Corporate & Commercial Banking for delivering execution excellence • Segregated the responsibilities of coverage and product groups to ensure sharper focus • Corporate & Com
Slide 31: Better rated originations focused on short term loans
…with better rated originations and focussed on short term loans All figures in ₹ Crores Incremental sanctions to corporates 87% of the book is rated A- or better rated A- & above 18% 17% 15% 13% 61% of sanctions were to those rated AA- & above 95% 95% 94% 92% 82% 83% 85% 87% FY19 FY20 FY21 Q3FY22 M
Slide 32: Overseas corporate loan book is 94% India linked
Overseas corporate loan book is 94% India linked • The Bank’s International strategy is to focus on Indian corporates that have global operations • We have consolidated our overseas business through branches in Dubai, Singapore and Gift City, India • Gift City IBU1 has grown strongly as we continue
Slide 33: Strengthened proposition as a Transaction Bank
We have strengthened our proposition as a Transaction Bank Current Account Greenwich Service Excellence 2021 27% YoY growth in Current Account quarterly for Large Corporates and Middle Markets – Knowledge of average Balances (Q3FY22) Transaction Banking needs Foreign LC Market Share Bharat Bill Paym
Slide 34: Well placed to benefit from vibrant Corporate Bond market
We remain well placed to benefit from a vibrant Corporate Bond market All figures in ₹ Crores Placement & Syndication of Debt Issues Movement in corporate bonds Amount mobilized / arranged^ Market share and Rank* 48,293 1st 1st 38,642 34,904 31,183 32,190 21% 30,598 18% 16% 16% 16,599 14% 18.7% 18.9
Slide 35: Industry-wise Distribution (Top 10)
Industry-wise Distribution (Top 10) All figures in ` Crores Outstanding1 as on 31st Dec’21 Total Rank Advances Investments Non-fund based Sectors Value (in % terms) 1. Financial Companies2 57,914 28,340 19,631 1,05,885 12.59% 2. Engineering & Electronics 12,840 2,695 27,409 42,944 5.11% 3. Infrastru
Slide 36: Business Performance: Commercial Banking
Business Performance Commercial Banking
Slide 37: Commercial Banking benefitting from technology led transformation
Commercial Banking business benefitting from technology led transformation • One of the most profitable segments of the Bank with high PSL coverage • Data driven credit decisions, minimal documentation, simplified products and digitized operations aiding higher business growth CBG Current Account CB
Slide 38: SME lending book well diversified, 96% secured
SME lending book is well diversified, 96% of SME book is secured and predominantly working capital financing Book by Loan size Well diversified Geographical mix Well diversified Sectoral mix 17% 15% 23% 16% 16% 30% 2% 3% 9% 9% 4% 18% 4% 11% 9% 4% 11% 4% 20% 19% 8% 27% 5% 8% 8% Less than 5 Cr 5 cr to
Slide 39: Digital Banking – Axis Bank's silent revolution
Digital Banking – Axis Bank’s “silent revolution” ~78% 76% 71% 68% 52% 46% 4.6 Credit cards Digitally active New SA Fixed deposits PL disbursed** New MF SIP Mobile App issued** customers acquisition* opened (9MFY22) sales (9MFY22) ratings D2C products (Q3FY22) (Q3FY22) 250+ 15% 15% 92% 95,000+ 1000+
Slide 40: Digital strategy aligned with GPS strategy
Our digital strategy is aligned with our GPS strategy A B C Reimagine Customer Transform Build Future-ready Proposition the Core Capabilities Digital-first products Ops excellence & institutionalization of Data architecture 3.0; moving embedding design thinking data & tech enabled operating rhythm b
Slide 41: New products driven by our OPEN philosophy
We continue to introduce and scale new products driven by our OPEN philosophy Our product portfolio New launches Buy Now Paylater GrabDeals Cards lifecycle Auto loan O/W Remittance Digital Gold Insurance 2.0 ODFD 0-based redesign; Ecosystems capable; Numbers, Numbers, Proprietary in-house customer c
Slide 42: Combination of approaches for the digital ecosystem
We are adopting a combination of approaches for the digital ecosystem Build our own capabilities, partner with FinTechs where there is complementarity and invest in areas that have adjacencies Quarterly Results Q3 FY22 39
Slide 43: Moving to Data Architecture 3.0
We are moving to Data Architecture 3.0 Data Stack 3.0 - Cloud Big data clusters developed on Hadoop with PetaByte scale data Streaming Analytics Data Science 150+ use cases deployed across credit, fraud, marketing analytics on cloud BI ML decisioning platform Multiple machine learning based credit m
Slide 44: Investing heavily in building capabilities
We are investing heavily in building capabilities 1 Building the right talent 2 Enabling the team through technology • 1500+ people dedicated to digital agenda • Fully cloud ready: new customer facing applications as cloud native • ~76% new hires from non-banking background • CI-CD pipeline in place
Slide 45: Strong market share in Mobile Banking
We continue to have strong market share in Mobile Banking Axis Mobile is amongst the highest ranked Banking app on Apple Store (rating of 4.6) & Google Play Store (4.6) and offers 250+ DIY services Mobile Transactions Market Share by Volumes Axis Bank Mobile Banking Spends (in Cr) and Volumes (in Mn
Slide 46: UPI has scaled up tremendously
UPI has scaled up tremendously to become a key channel for customer transactions We have developed best-in-class UPI stack that enables us to offer cutting edge customized solutions across SDK, Intent, Collect and Pay offerings apart from new use cases like UPI AutoPay Dedicated IT cloud infrastruct
Slide 47: Agenda: Asset Quality
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Quarterly Results Q3 FY22 44
Slide 48: NNPA lowest in last 23 quarters with healthy provision cover
NNPA lowest in last 23 quarters with healthy provision cover GNPA & NNPA GNPA 3.17% & NNPA 0.91% 4.55% 3.70% 3.85% Corporate Total 3.53% Retail SME 3.17% 58%^ 74%^ 78%^ 72%^ 5.06% 1.77% 2.62% 3.17% 1.19% 1.05% 1.20% 1.08% 0.75% 0.91% 1.16% 0.70% 0.91% Q3FY21* Q4FY21 Q1FY22 Q2FY22 Q3FY22 GNPA NNPA GN
Slide 49: Limited restructuring, largely secured and well provided
Limited restructuring, largely secured and well provided; Declining BB & Below Book All figures in ₹ Crores Bank’s Net NPA* and Fund based BB and Below* portfolio Update on restructured book Outstanding Covid (1+2) restructuring as on 31.12.2021 Implemented PCR (excluding technical write offs) at 72
Slide 50: Detailed walk of NPAs over recent quarters
Detailed walk of NPAs over recent quarters All figures in ₹ Crores Q3FY21^ Q4FY21 Q1FY22 Q2FY22 Q3FY22 Gross NPAs - Opening balance A 27,472 29,046 25,315 25,949 24,149 Fresh slippages B 7,993 5,285 6,518 5,464 4,147 Upgradations & Recoveries C 2,162 3,463 2,543 4,757 3,288 Write offs D 4,257 5,553
Slide 51: Agenda: Future of Work and Sustainability
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Quarterly Results Q3 FY22 48
Slide 52: Reshaping Work and the Workplace
Reshaping Work and the Workplace Accessed new talent pools in hiring Since the launch of GIG-A-OPPORTUNITIES in 16 months 44% 46% 53% Significant traction in alternate models – 27% of Women Non-Metro Non-Banking employees in alternate formats Key highlights Axis group emerged as a leader in employee
Slide 53: ESG a Bank-wide Agenda
ESG a Bank-wide Agenda Our Purpose Statement: Banking that leads to a more inclusive and equitable economy, thriving community and a healthier planet ESG a Board-level agenda • Axis Bank is the first Indian Bank to constitute an ESG Committee of the Board ESG oversight at Leadership level • ESG Stee
Slide 54: ESG – Key Updates & Achievements
ESG – Key Updates & Achievements Axis House, Mumbai is IGBC Platinum-Rated Axis Bank enters into USD 300 mn Loan Guarantee Program with GuarantCo for E-mobility in India • Only private sector bank to achieve ‘Platinum’ in Green Existing Building • Intent to execute an umbrella guarantee framework of
Slide 55: Committed to Positive Climate Action and SDGs
Committed to Positive Climate Action and Achieving the Sustainable Development Goals Steady progress on ESG commitments announced in September 2021 • Positive Impact Financing • Incremental financing of `30,000 crores for positive-impact sectors by FY26 • Making 5% of Retail Two-Wheeler loan portfol
Slide 56: Positive Outcomes and Impact Across the ESG Spectrum
Positive Outcomes and Impact Across the ESG Spectrum Key sustainability performance highlights Sustainable Banking and Finance Banking • Corporate Lending Portfolio of ~ Rs 9,750 Crores in green sectors as on 31st March 2021 • 37 funding proposals assessed under Sustainable Lending Policy and Proced
Slide 57: Positive Outcomes and Impact Across the ESG Spectrum
Positive Outcomes and Impact Across the ESG Spectrum Key sustainability performance highlights Corporate Social Responsibility • ~ 1.1 million reached under the Financial Literacy Program from April – December 2021 • 1.02 million households reached under Axis Bank Foundation’s Mission 2 Million, as
Slide 58: Agenda: Subsidiaries' Performance
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Quarterly Results Q3 FY22 55
Slide 59: Significant value creation in key group entities
Significant value creation happening in our key group entities Detailed One Axis presentation Link Invst Banking Consumer Retail Fintech Asset Management Trustee TReDS platform Insurance & Inst Equities focused NBFC Brokerage platform One of the fastest Leadership position in AAA rated NBFC with 3rd
Slide 60: Axis AMC: AUM growth of 43% YOY, PAT up 54%
Axis AMC : Strong performance, AUM growth of 43% YOY, PAT up 54% YOY All figures in ₹ Crores Overall QAAUM Equity QAAUM 46% CAGR* 54% CAGR* 2,53,450 1,45,854 55% YOY 43% YOY 1,96,549 1,77,474 98,822 94,403 1,38,402 89,720 61,968 44,486 Mar-19 Mar-20 Mar-21 Dec-20 Dec-21 Mar-19 Mar-20 Mar-21 Dec-20 D
Slide 61: Axis Capital: Go to Banker for India Inc
Axis Capital : Go to Banker for India Inc 9MFY22 Ranking* (includes IPO, FPO, QIP, REIT, InvIT, OFS & Rights) Major Highlights Rank Banker No of Deals* • 43 ECM transactions were completed in 9MFY22 that include 24 IPOs, 8 QIPs, 2 OFS, 2 Rights issue 1 Peer 1 39 • Re-emphasized its ECM leadership an
Slide 62: Axis Finance: Poised for growth, PAT grew 81% YOY
Axis Finance : Poised for growth, PAT grew 81% YOY All figures in `₹ Crores Growth in loan book Major Highlights 61% YOY 22% CAGR** • 19.8% Capital adequacy ratio 13,854 • 19.8% overall ROE for 9MFY22 10,259 8,040 7,704 8,617 • 3.6 times YOY growth in Retail book • 33% YOY growth in Wholesale loan b
Slide 63: Axis Securities: 65% growth in revenue
Axis Securities : Strong performance in 9MFY22 with 65% growth in revenue Total customer base (in mn) Axis Securities had acquired nearly 1 mn Karvy’s trading accounts 57% YOY Major Highlights in Q4FY21, making Axis Securities as the 3rd largest bank led 26% CAGR* retail brokerage in terms of custom
Slide 64: A.TREDS: Invoicemart setting a new benchmark in TReDS
A.TREDS: Invoicemart setting a new benchmark in TReDS A.TREDS is one of the three entities allowed by RBI to set up the Trade Receivables Discounting System (TReDS), an electronic platform for facilitating cash flows for MSMEs The TReDS platform connects MSME sellers and their corporate buyers to mu
Slide 65: Freecharge: progress in payments led financial services
Freecharge: continues to make progress in its payments led financials services journey; “Buy Now Pay Later” & “SMB Lending” product gaining traction Merchant payment solutions Freecharge Paylater continues to show strong momentum DTH, UTILITIES MOBILE LOANS CARDS CA/SA/FD RECHARGES Q3 FY22 327 • Cre
Slide 66: Agenda: Other important information
Executive Summary Financial Highlights Capital and Liquidity Position Business Segment performance Asset Quality Future of Work and Sustainability Subsidiaries’ Performance Other important information Quarterly Results Q3 FY22 63
Slide 67: Differentiated identity, among most valuable brands in India
We have created a differentiated identity and are amongst the most valuable Brands in India Featured amongst Top 20 most valuable brands in India Axis Bank Mobile App Store Rating 4.6 2018 Global Rank #14 4.6 vs. #32 in 2017 People’s Choice Among 42 leading banks worldwide Quarterly Results Q3 FY22
Slide 68: Major awards won by the Bank and its subsidiaries
Major awards won by the Bank and its subsidiaries ‘Most Recommended Retail Ranked no 1 in Corporate Financial Inclusion Initiative of Bank in India’ and ‘Most Helpful Banking Quality in India the Year – India Best Digital Bank India 2021 Bank during Covid-19 in India’ Best Data Analytics Project Awa
Slide 69: Shareholding Pattern (as on December 31, 2021)
Shareholding Pattern (as on December 31, 2021) Others SUUTI 12.36% 1.52% Life Insurance Corporation 7.98% GDR's 2.19% Foreign Institutional Investors 46.40% Indian Institutions 29.55% ▪ Share Capital `614 crores ▪ Shareholders’ Funds `110,746 crores ▪ Book Value Per Share `361 ▪ Diluted EPS (Q3 FY22
Slide 70: Financial Performance (₹ crores)
Financial Performance Financial Performance (` crores) Q3FY22 Q3FY21 % Growth 9MFY22 9MFY21 % Growth Interest Income A 17,261 15,426 12% 49,601 47,852 4% Other Income B = C+D+E 3,840 2,929 31% 10,997 8,723 26% - Fee Income C 3,344 2,906 15% 9,242 7,310 26% - Trading Income D 367 (33) - 1,396 1,196 1
Slide 71: Financial Performance ($ mn)
Financial Performance Financial Performance ($ mn) Q3FY22 Q3FY21 % Growth 9MFY22 9MFY21 % Growth Interest Income A 2,322 2,075 12% 6,673 6,437 4% Other Income B = C+D+E 517 394 31% 1,479 1,173 26% - Fee Income C 450 391 15% 1,243 983 26% - Trading Income D 50 (4) - 188 161 17% - Miscellaneous Income
Slide 72: Balance Sheet
Balance Sheet Balance Sheet As on 31st Dec’21 As on 31st Dec’20 As on 31st Dec’21 As on 31st Dec’20 % Growth CAPITAL AND LIABILITIES In ` Crores In ` Crores in $ Mn in $ Mn Capital 614 612 83 82 0.2% Reserves & Surplus 1,10,132 98,205 14,815 13,211 12% Employee Stock Option Outstanding (net) 118 - 1
Slide 73: Retail Book Composition over the quarters
Retail Book Composition over the quarters All figures in ` Crores Segment Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec’21 Home Loans 1,08,215 1,07,840 1,08,926 1,13,087 1,20,900 1,23,048 1,29,405 1,35,301 LAP 27,560 28,042 29,321 30,418 32,998 34,295 36,410 39,080 Auto loans 38,205 37,870 38
Slide 74: Safe Harbor
Safe Harbor Except for the historical information contained herein, statements in this release which contain words or phrases such as “will”, “aim”, “will likely result”, “would”, “believe”, “may”, “expect”, “will continue”, “anticipate”, “estimate”, “intend”, “plan”, “contemplate”, “seek to”, “futu
Slide 75: Thank You
Thank You Quarterly Results Q3 FY22 72