Annual Report 2012-13 - India Infoline Finance Limited

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Big numbers ₹92.2 bn Total borrowing ₹93.75 bn Loan book 21.6% Capital adequacy ratio 9.5% Net interest margin 0.17% Net non-performing assets 58.16% Cost to income 1,446 Branches 12 | India Infoline Finance Limited
Industry overview INDIA’S ECONOMIC GROWTH DECELERATED FOR THE SECOND SUCCESSIVE YEAR. IT DECLINED FROM 6.2% IN 2011-12 TO 5% IN 2012-13, THE SLOWEST ECONOMIC GROWTH IN A DECADE. THIS DECLINE WAS DUE TO SHARPER-THAN-EXPECTED DECELERATION IN THE SERVICES SECTOR, A DISMAL PERFORMANCE BY THE AGRICULTURAL AND INDUSTRIAL SECTORS AND UNEMPLOYMENT WELL ABOVE PRE-CRISIS LEVELS India’s industrial output decline was led mainly by a contraction in the manufacturing, mining and capital goods sectors (proxy for investment activity). The dampened industrial sentiment could be attributed to high agriculture sector grew at 1.9% compared to 3.6% in the previous Annual Report 2012-13 | 13
Page 2 and 3: Inclusion Matters
Page 4 and 5: Chairman’s Message It gives me im
Page 6 and 7: IIFL Group Today Overview India Inf
Page 8 and 9: At IIFL Finance, we are different b
Page 10 and 11: This is what we achieved in 2012-13
Page 12 and 13: Inclusiveness through a retail focu
Page 16 and 17: to 2.1% from 3.5% a year ago mainly
Page 18 and 19: Business segments B. Gold loans 35%
Page 20 and 21: Business segments D. Capital Market
Page 22 and 23: ANY RISK ARISING FROM ANY ECONOMIC
Page 24 and 25: We have surveyed and taken testimon
Page 26 and 27: Inclusion matters.... “This is th
Page 28 and 29: Inclusion matters.... “I have bee
Page 30 and 31: Inclusion matters.... machine from
Page 32 and 33: Corporate Social Responsibility Pre
Page 34 and 35: FLAME (Financial Literacy Agenda fo
Page 36 and 37: Directors’ Report Standalone Fi
Page 38 and 39: obust and integrated Risk Managemen
Page 40 and 41: the company and preventing and dete
Page 42 and 43: Annexure to the Auditors’ Report
Page 44 and 45: Standalone Balance Sheet ` Particu
Page 46 and 47: Standalone Cash Flow Statement ` P
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Standalone Financial Statements of
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Consolidated Financial Section 72 I
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Consolidated Balance Sheet as at Ma
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Consolidated Cash Flow Statement fo
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Consolidated Financial Statements o
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INDIA INFOLINE FINANCE LIMITED
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Annual Report 2012-13 - India Infoline Finance Limited

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