By Helgi Library - October 15, 2019
Tata Capital Financial Services's net interest margin amounted to 3.84% in 2018, down from 4.00% compared to the previous year. ...
By Helgi Library - October 15, 2019
Tata Capital Financial Services made a net profit of INR 4,328 mil under revenues of INR 22,869 mil in 2018, up 7.42% and 19.7% respe...
By Helgi Library - October 15, 2019
Tata Capital Financial Services generated total banking revenues of INR 22,869 mil in 2018, up 19.7% compared to the previous y...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | INR mil | 16,407 | 15,852 | 16,857 |
| Net Fee Income | INR mil | 0 | 853 | 860 |
| Other Income | INR mil | 2,843 | 2,403 | 5,152 |
| Total Revenues | INR mil | 23,898 | 19,108 | 22,869 |
| Staff Cost | INR mil | 3,972 | 4,061 | 4,548 |
| Operating Profit | INR mil | 7,418 | 7,924 | 9,314 |
| Provisions | INR mil | 0 | 1,889 | 4,515 |
| Net Profit | INR mil | 4,826 | 4,029 | 4,328 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | INR mil | 17.0 | 446 | 3.60 |
| Customer Loans | INR mil | 309,948 | 369,866 | 446,240 |
| Total Assets | INR mil | 392,811 | 398,998 | 478,395 |
| Shareholders' Equity | INR mil | 49,614 | 29,598 | 40,449 |
| Interbank Borrowing | INR mil | 129,308 | 178,025 | 204,166 |
| Customer Deposits | INR mil | 5,250 | 5,257 | 5,591 |
| Issued Debt Securities | INR mil | 128,676 | 150,419 | 193,891 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 11.3 | 10.2 | 12.4 |
| ROA | % | 1.38 | 1.02 | 0.987 |
| Costs (As % Of Assets) | % | 4.72 | 2.82 | 3.09 |
| Costs (As % Of Income) | % | 69.0 | 58.5 | 59.3 |
| Capital Adequacy Ratio | % | 16.1 | 15.6 | 16.9 |
| Net Interest Margin | % | 4.70 | 4.00 | 3.84 |
| Loans (As % Of Deposits) | % | 5,904 | 7,036 | 7,981 |
| NPLs (As % Of Loans) | % | ... | 3.26 | 2.40 |
| Provisions (As % Of NPLs) | % | ... | 130 | 141 |
| Growth Rates | 2016 | 2017 | 2018 | |
| Total Revenue Growth | % | 56.2 | -20.0 | 19.7 |
| Operating Cost Growth | % | 44.6 | -32.1 | 21.2 |
| Operating Profit Growth | % | 90.0 | 6.83 | 17.5 |
| Net Profit Growth | % | 81.6 | -16.5 | 7.42 |
| Customer Loan Growth | % | 10.2 | 19.3 | 20.6 |
| Total Asset Growth | % | 28.4 | 1.58 | 19.9 |
| Customer Deposit Growth | % | 39.2 | 0.131 | 6.36 |
| Shareholders' Equity Growth | % | 38.2 | -40.3 | 36.7 |
Get all company financials in excel:
| summary | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||
| Net Interest Income | INR mil | 10,931 | 12,460 | 12,371 | 16,407 | ||
| Total Revenues | INR mil | 10,931 | 12,460 | 15,302 | 23,898 | ||
| Operating Profit | INR mil | 2,807 | 2,503 | 3,905 | 7,418 | ||
| Net Profit | INR mil | 1,721 | 1,873 | 2,658 | 4,826 | ||
| balance sheet | |||||||
| Interbank Loans | INR mil | 2,196 | 105 | 292 | 17.0 | ||
| Customer Loans | INR mil | 121,275 | 133,216 | 281,145 | 309,948 | ||
| Debt Securities | INR mil | ... | ... | 9,030 | 2,611 | ||
| Total Assets | INR mil | 232,655 | 257,362 | 305,881 | 392,811 | ||
| Shareholders' Equity | INR mil | 31,903 | 32,842 | 35,906 | 49,614 | ||
| Interbank Borrowing | INR mil | 64,117 | 70,778 | 97,327 | 129,308 | ||
| Customer Deposits | INR mil | 2,426 | 2,658 | 3,771 | 5,250 | ||
| Issued Debt Securities | INR mil | 78,875 | 100,746 | 118,547 | 128,676 | ||
| ratios | |||||||
| ROE | % | 5.40 | 5.79 | 7.73 | 11.3 | ||
| ROA | % | 0.740 | 0.765 | 0.944 | 1.38 | ||
| Costs (As % Of Assets) | % | 3.49 | 4.06 | 4.05 | 4.72 | ||
| Costs (As % Of Income) | % | 74.3 | 79.9 | 74.5 | 69.0 | ||
| Capital Adequacy Ratio | % | ... | ... | 16.3 | 16.1 | ||
| Net Interest Margin | % | 4.70 | 5.09 | 4.39 | 4.70 | ||
| Interest Income (As % Of Revenues) | % | 100 | 100 | 80.8 | 68.7 | ||
| Fee Income (As % Of Revenues) | % | 0 | 0 | 0 | 0 | ||
| Staff Cost (As % Of Total Cost) | % | 23.2 | 21.8 | 24.4 | 24.1 | ||
| Equity (As % Of Assets) | % | 13.7 | 12.8 | 11.7 | 12.6 | ||
| Loans (As % Of Deposits) | % | 5,000 | 5,011 | 7,456 | 5,904 | ||
| Loans (As % Assets) | % | 52.1 | 51.8 | 91.9 | 78.9 | ||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ||
| valuation | |||||||
| Book Value Per Share Growth | % | ... | 14.0 | -0.712 | 32.6 |
| income statement | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||
| Interest Income | INR mil | 26,084 | 27,904 | 31,782 | 38,523 | ||
| Interest Cost | INR mil | 15,153 | 15,444 | 19,412 | 22,116 | ||
| Net Interest Income | INR mil | 10,931 | 12,460 | 12,371 | 16,407 | ||
| Net Fee Income | INR mil | 0 | 0 | 0 | 0 | ||
| Other Income | INR mil | 0 | 0 | 2,316 | 2,843 | ||
| Total Revenues | INR mil | 10,931 | 12,460 | 15,302 | 23,898 | ||
| Staff Cost | INR mil | 1,882 | 2,170 | 2,784 | 3,972 | ||
| Depreciation | INR mil | 687 | 1,060 | 1,232 | 2,364 | ||
| Other Cost | INR mil | 5,555 | 6,726 | 7,381 | 10,144 | ||
| Operating Cost | INR mil | 8,124 | 9,956 | 11,397 | 16,480 | ||
| Operating Profit | INR mil | 2,807 | 2,503 | 3,905 | 7,418 | ||
| Provisions | INR mil | 0 | 0 | 0 | 0 | ||
| Extra and Other Cost | INR mil | 0 | 0 | 0 | 0 | ||
| Pre-Tax Profit | INR mil | 2,807 | 2,503 | 3,905 | 7,418 | ||
| Tax | INR mil | 1,086 | 630 | 1,247 | 2,592 | ||
| Net Profit | INR mil | 1,721 | 1,873 | 2,658 | 4,826 | ||
| growth rates | |||||||
| Net Interest Income Growth | % | ... | 14.0 | -0.712 | 32.6 | ||
| Net Fee Income Growth | % | ... | ... | ... | ... | ... | |
| Total Revenue Growth | % | ... | 14.0 | 22.8 | 56.2 | ||
| Operating Cost Growth | % | ... | 22.6 | 14.5 | 44.6 | ||
| Operating Profit Growth | % | ... | -69.2 | 56.0 | 90.0 | ||
| Pre-Tax Profit Growth | % | ... | -10.8 | 56.0 | 90.0 | ||
| Net Profit Growth | % | ... | 8.83 | 41.9 | 81.6 | ||
| market share | |||||||
| Market Share in Revenues | % | 0.405 | 0.410 | 0.454 | 0.594 | ... | |
| Market Share in Net Profit | % | 0.319 | 0.343 | 0.646 | ... | ... | ... |
| balance sheet | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | |||||||
| Cash | INR mil | 2,601 | 436 | 450 | 1,253 | ||
| Interbank Loans | INR mil | 2,196 | 105 | 292 | 17.0 | ||
| Customer Loans | INR mil | 121,275 | 133,216 | 281,145 | 309,948 | ||
| Retail Loans | INR mil | ... | ... | ... | ... | ||
| Corporate Loans | INR mil | ... | ... | ... | ... | ||
| Debt Securities | INR mil | ... | ... | 9,030 | 2,611 | ||
| Fixed Assets | INR mil | 3,641 | 5,056 | 6,237 | 6,910 | ||
| Total Assets | INR mil | 232,655 | 257,362 | 305,881 | 392,811 | ||
| Shareholders' Equity | INR mil | 31,903 | 32,842 | 35,906 | 49,614 | ||
| Liabilities | INR mil | 200,752 | 224,520 | 269,975 | 292,210 | ||
| Interbank Borrowing | INR mil | 64,117 | 70,778 | 97,327 | 129,308 | ||
| Customer Deposits | INR mil | 2,426 | 2,658 | 3,771 | 5,250 | ||
| Issued Debt Securities | INR mil | 78,875 | 100,746 | 118,547 | 128,676 | ||
| Other Liabilities | INR mil | 55,335 | 50,338 | ... | ... | ||
| asset quality | |||||||
| Non-Performing Loans | INR mil | ... | ... | ... | ... | ||
| Gross Loans | INR mil | ... | ... | ... | ... | ||
| Total Provisions | INR mil | ... | ... | ... | ... | ||
| growth rates | |||||||
| Customer Loan Growth | % | ... | 9.85 | 111 | 10.2 | ||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | |
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | |
| Total Asset Growth | % | ... | 10.6 | 18.9 | 28.4 | ||
| Shareholders' Equity Growth | % | ... | 2.94 | 9.33 | 38.2 | ||
| Customer Deposit Growth | % | ... | 9.60 | 41.8 | 39.2 | ||
| market share | |||||||
| Market Share in Customer Loans | % | 0.189 | 0.188 | 0.353 | 0.375 | ... | |
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | |
| Market Share in Total Assets | % | 0.230 | 0.231 | 0.242 | 0.277 | ... | |
| Market Share in Customer Deposits | % | 0.003 | 0.003 | 0.004 | 0.005 | ... |
| ratios | Unit | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | |||||||
| ROE | % | 5.40 | 5.79 | 7.73 | 11.3 | ||
| ROA | % | 0.740 | 0.765 | 0.944 | 1.38 | ||
| Costs (As % Of Assets) | % | 3.49 | 4.06 | 4.05 | 4.72 | ||
| Costs (As % Of Income) | % | 74.3 | 79.9 | 74.5 | 69.0 | ||
| Capital Adequacy Ratio | % | ... | ... | 16.3 | 16.1 | ||
| Tier 1 Ratio | % | ... | ... | 11.8 | 11.8 | ||
| Net Interest Margin | % | 4.70 | 5.09 | 4.39 | 4.70 | ||
| Interest Spread | % | ... | 4.13 | 3.43 | 3.16 | ||
| Asset Yield | % | 11.2 | 11.4 | 11.3 | 11.0 | ||
| Cost Of Liabilities | % | ... | 7.26 | 7.85 | 7.87 | ||
| Interest Income (As % Of Revenues) | % | 100 | 100 | 80.8 | 68.7 | ||
| Fee Income (As % Of Revenues) | % | 0 | 0 | 0 | 0 | ||
| Other Income (As % Of Revenues) | % | 0 | 0 | 15.1 | 11.9 | ||
| Staff Cost (As % Of Total Cost) | % | 23.2 | 21.8 | 24.4 | 24.1 | ||
| Equity (As % Of Assets) | % | 13.7 | 12.8 | 11.7 | 12.6 | ||
| Loans (As % Of Deposits) | % | 5,000 | 5,011 | 7,456 | 5,904 | ||
| Loans (As % Assets) | % | 52.1 | 51.8 | 91.9 | 78.9 | ||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ||
| Provisions (As % Of Loans) | % | ... | ... | ... | ... | ||
| Cost of Provisions (As % Of Loans) | % | 0 | 0 | 0 | 0 |
Get all company financials in excel:
By Helgi Library - October 15, 2019
Tata Capital Financial Services's customer loan growth reached 20.6% in 2018, up from 19.3% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 111% in 2015 and an all time low of 9.85% in 2014. In the last dec...
By Helgi Library - October 15, 2019
Tata Capital Financial Services's customer loans reached INR 369,866 mil in 2017, up 19.3% compared to the previous year. Indian banking sector provided customer loans of INR 88,362 bil in 2017, up 7.04% when compared to the last year. Tata Capital Financ...
By Helgi Library - October 15, 2019
Tata Capital Financial Services generated total banking revenues of INR 19,108 mil in 2017, down 20.0% compared to the previous year. Indian banking sector banking sector generated total revenues of INR 4,320,359 mil in 2017, up 7.41% when compared to...
By Helgi Library - October 15, 2019
Tata Capital Financial Services's customer deposits reached INR 5,257 mil in 2017, up 0.131% compared to the previous year. Indian banking sector accepted customer deposits of INR 110,303 bil in 2017, up 3.61% when compared to the last year. Tata Capital ...
Tata Capital Financial Services has been growing its revenues and asset by % and % a year on average in the last 3 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached at the end of 2018. The company achieved an average return on equity of % in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached in 2018, compared to % average in the last three years.
Equity represented of total assets or of loans at the end of 2018. Tata Capital Financial Services's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2018.
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