Annual Report 2012-13 - India Infoline Finance Limited

This is what we
achieved in 2012-13
Performance
Performance
82% growth in interest income from ` 9.1
bn in 2011-12 to ` 16.5 bn
` 1.1
bn in 2011-12 to ` 1.9 bn
CAGR (%) 68.5
67.47
93.75
CAGR (%) 83
17.4
4.77% increase in return on equity from
7.29% in 2011-12 to 12.06%
32.87
5.2
9.5
0.07 bps reduction in gross NPAs from
0.56% in 2011-12 to 0.49%
Business
39% growth in total loan portfolio from
` 67.4 bn in 2011-12 to ` 93.7 bn
Loan
portfolio
2010-11
2011-12
2012-13
Revenue
2010-11
2011-12
2012-13
Segments
Home loans and loan against property
accounted for 41.17% of the total loan
book.
(` bn)
(` bn)
CAGR (%) 43%
Profit
after tax
(` bn)
Loans against capital market products
stood at 13.52% in 2012-13 against
11.87% in 2011-12
to 3.28% of the total loan book against
2.25% in the previous year
1.1
1.9
29.9
17.86
21.6
Funds management
Capital adequacy ratio was maintained at
21.6% (17.86% in the previous year), well
above 15% required by RBI.
0.9
2010-11
2011-12
2012-13
Capital
adequacy
ratio
(%)
The Company was rated ‘ICRA AA-
(stable)’ by ICRA, ‘CARE AA-’ by CARE
and CRISIL AA–(Stable) by CRISIL
2.12% growth in net interest margin from
2010-11
2011-12
2012-13
7.43% in 2011-12 to 9.54%
8
| India Infoline Finance Limited