APTUS Key Growth Strategies and Historical Overview
Financial Snapshot - 5 Years
Rs in Crores
FY 19
FY 20
FY 21
FY 22
FY 23
FY 24 (Q1)
CAGR
No. of Branches
No. of Customers
Disbursements
AUM
143
175
190
208
231
231
30,749
43,987
58,069
83,565
1,089
1,271
1,298
1,641
2,247
3,179
4,068
5,180
1,07,146
2,395
6,738 ¦
1,12,741
646
7,123
32%
Total Income
337
523
655
840
1,129
315
I
Interest Expenses
(116)
(185)
(207)
(209)
(276)¦
(85)¦
Spread
222
339
449
632
853 i
230 i
40%
Operating Expenses
(67)
(88)
(98)
(117)
(165)
(44)
Pre-Prov Operating Profit
154
250
351
514
688!
186
45%
ECL Prov./Write-Off's
(1)
(3)
(6)
(34)
(34)¦
(2)¦
Profit Before Tax
153
247
345
480
654
183
44%
Profit After Tax
112
211
267
370
503¦
142
46%
Ratios
Spread to Assets (%)
12.10%
12.48%
12.38%
13.66%
14.32%
13.29%
Opex to Assets (%)
3.67%
3.26%
2.70%
2.53%
2.75%i
2.55%i
PPOP to Assets (%)
8.43%
9.22%
9.68%
11.13%
11.57%
10.73%
ECL to Assets (%)
0.07%
0.10%
0.16%
0.75%
0.57%i
0.14%
Return on Assets (PBT) (%)
8.35%
9.12%
9.52%
10.38%
10.99%
10.59%
Return on Assets (PAT) (%)
6.10%
7.78%
7.37%
8.01%
8.44%i
8.21%i
GNPA (%)
0.40%
0.70%
0.70%
1.19%
1.15%
1.29%
NNPA (%)
0.30%
0.54%
0.49%
0.88%
0.86%
0.97%
ROE (%)
17.38%
17.53%
14.47%
14.45%
16.34%
16.93%
CRAR (%)
43.64%
82.50%
73.63%
86.25%
77.38%
75.38%
Note 1: CAGR: FY 23 Vs FY19
7
Note 2: GNPA for FY19, FY20 & FY21 as per old RBI norms
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