Sbi Cards And Payment Services Limited has informed the Exchange about Investor Presentation
July 25, 2025
The BSE Limited Corporate Relationship Department Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai - 400 001
The National Stock Exchange of India Limited Exchange Plaza, C-1, Block G, Bandra-Kurla Complex. Bandra (E), Mumbai - 400 051
SCRIP CODE: 543066
SYMBOL: SBICARD
SECURITY: Equity Shares/Debentures
SECURITY: Equity Shares
Dear Sirs,
Re: Disclosure under Regulation 30 of SEBI (Listing Obligations and Disclosure - Copy of Presentation made for
Requirements) Regulations, 2015 Analysts/Investors on Financial Results
In compliance with the provisions of Regulation 30 read with Schedule III Part A of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we enclose herewith a copy of presentation made for Analysts/ Investors on Financial Results of the Company for the quarter ended June 30, 2025.
Kindly take the same on record.
Thanking you,
Yours faithfully,
For SBI Cards and Payment Services Limited
Payal Mittal Chhabra Chief Compliance Officer and Company Secretary Date and Time of event: - July 25, 2025 at 05:07 PM
Encl:.aa
SBI Cards and Payment Services Ltd.
DLF Infinity Towers, Tower C, 12th Floor, Block 2, Building 3, DLF Cyber City, Gurugram - 122002, Haryana, India
Tel.: 18001801290 Email: customercare@sbicard.com Website, sbicard.com
Registered Office, Unit 401 & 402, 4th_ Floor, Aggarwal Millennium Tower, E 1,2,3, Netaji Subhash Place, Wazirpur, New Delhi - 110034 CIN - L65999DL 1998PLC093849
INVESTOR PRESENTATION Q1 – FY 2025-26
INDEX
1
2
3
4
5
6
7
8
Key Highlights
Portfolio Growth
Financial Update
Asset Quality
Borrowings & Capital Adequacy
ESG
Shareholders Summary
Annexures
Key Highlights
Key Highlights for Q1 FY26
Continued growth in spends and receivables, Profit increases QoQ
New A/cs
8.73 lacs 3% YoY 21%QoQ
CIF
2.12 Cr 10% YoY 2% QoQ
Spends
₹ 93,244 Cr 21% YoY 6% QoQ
Receivables
₹ 56,607 Cr 7% YoY 1% QoQ
PAT
₹ 556 Cr 6%YoY 4% QoQ
Cost to Income
50.3% 140 bps YoY 108 bps QoQ
ROAA
3.4% 67 bps YoY 4 bps QoQ
ROAE
15.8% 335 bps YoY 24 bps QoQ
GCL%
9.6% 111 bps YoY 58 bps QoQ
GNPA
3.07% 1 bp YoY 1 bp QoQ
NNPA
1.42% 31 bps YoY 3 bps QoQ
CAR
23.2% 261 bps YoY 37 bps QoQ
s s e n i s u B
s e m u o V
l
y t i l i
b a t i f o r P
e c n a a B
l
t e e h S
4
Portfolio Growth
Key Business Metrics
New Accounts (Lacs)
Cards-in-force (Cr)
Receivables (₹ Cr)
9.04
9.04
11.75
11.09
3% YOY 21% QOQ
8.73
10% YOY 2% QOQ
7% YOY 1% QOQ
2.08
2.12
55,840
56,607
52,705
Q1 FY25
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
1.92
Retail Spends (₹ Cr)
15% YOY 3% QOQ
71,880
76,398
80,792
79,709
82,404
Q1 FY25
Q4 FY25
Q1 FY26
Q1 FY25
Q4 FY25
Q1 FY26
Q1 FY25
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Corporate Spends (₹ Cr)
▪ New accounts acquisition moderated in Q1
Key Insights:
5,249
5,495
5,301
107% YOY
25% QOQ
8,656
10,840
▪
▪
Retail spends continue to grow, Corporate spends see a path of recovery
Receivables increase 7% YoY & IBNEA% at ~60%
Q1 FY25
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
6
Portfolio Growth
Spend per Card (₹ ‘000)
Receivable per Card (₹)
162
151
169
158
173
162
172
177
155
157
Q1 FY25
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Ret+Corp
Ret
30-day Retail spend active rate %
50%
52%
52%
51%
52%
27,395
28,387
27,052
26,816
26,710
Q1 FY25
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Receivables(₹ Cr)/Mix %
52,705
55,601
54,773
56,607 55,840 Interest Earning Receivables
62%
38%
24%
38%
37%
23%
40%
36%
24%
40%
59%
35%
24%
41%
60%
36%
24%
40%
Q1 FY25
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Q1 FY25
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Transactor
Revolver
EMI
7
Retail Spends Insights
Online Spend %
60.7%
58.9%
57.9%
56.9%
54.4%
Spends Categories
Retail Spends
% Growth^ POS Spends
Online Spends
Category 1 Departmental Stores, Health, Utilities, Rental, Education & Direct Marketing
Category 2 Consumer durables, Furnishing & Hardware, Apparel & Jewelry
Category 3 Travel Agents, Hotels, Airline, Railways, Entertainment & Restaurant
4%
20%
68%
4%
5%
1%
7%
57%
111%
FY22
FY23
FY24
FY25
Q1 FY26
^ Q1FY26 Over Q1FY25 | Category analysis excludes Fuel & Automotive Service category
UPI Spends on Rupay Cards*
UPI Active CIF
UPI Spends
Avg. UPI Spend/Account/month
Tier 1
Tier 2+
25%
75%
21%
79%
Rs. 13.6K
Rs. 16.9K
• •
20% growth in UPI spends – Q1 FY26 vs Q4 FY25 Top 5 Categories for UPI Spends : Departmental Stores & Grocery | Utilities | Fuel | Restaurant | Apparel
*Active UPI users on Rupay Card Base of Jun’25
Financial Update
Key Financials
Revenue from operations
PAT Trend
4,359
4,421
4,619
4,674
4,877
12% YOY 4% QOQ
(All figures in ₹ Cr )
6% YOY 4% QOQ
Q1 FY25
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Interest Cost
767
788
829
795
813
6% YOY 2% QOQ
Q1 FY25
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Operating Cost
594
534
556
404
383
Q1 FY25
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
1,816
2,011
2,107
2,073
2,123
17% YOY
2% QOQ
Key Insights:
Q1 FY25
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Credit Cost
Credit Cost
1,101
GWO
969
Provision
132
1,212
1,106
107
1,313
1,354
1,245
1,303
(41)
(59)
23% YOY
9% QOQ
1,352
1,280
72
Q1 FY25
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
▪
▪
Revenue grows 4% QoQ, increase driven by both interest income and fees
COF improves to 7.1% vs 7.3%* vs last quarter, NIM improves to 11.2% vs 11.1%* during the same period
▪ Write offs decline by ₹ 24Cr
▪ Overall credit Costs increases to 9.6% due to higher provisioning
*Q4 FY25- Reported COF @ 7.2%, NIM @ 11.2% (Excluding benefit from one-off lease modification, COF @ 7.3%, NIM @ 11.1%) 10
P&L Summary
Total Income
-Revenue from Operations
-Interest Income
-Fees & Other Revenue
-Other Income
Interest Cost
Operating Cost
Earning Before Credit Cost
Impairment on Financial Instruments
PBT
PAT
Key Metrics
Yield
COF*
NIM*
Cost to Income
Credit Cost
ROA
Q1 FY26
Q4 FY25
QoQ
5,035
4,877
2,493
2,384
158
813
2,123
2,100
1,352
748
556
17.0%
7.1%
11.2%
50.3%
9.6%
3.4%
4,832
4,674
2,415
2,259
158
795
2,073
1,964
1,245
719
534
17.0%
7.2%
11.2%
51.4%
9.0%
3.4%
4%
4%
3%
6%
0%
2%
2%
7%
9%
4%
4%
YoY
12%
12%
11%
13%
28%
6%
17%
11%
23%
-6%
-6%
-2 bps
-10 bps
3 bps
-108 bps
58 bps
4 bps
15 bps
-38 bps
28 bps
140 bps
111 bps
-67 bps
(All figures in ₹ Cr )
Revenue from operations(₹ Cr) (Composition Mix %)
4,359 7%
20%
22%
4,674 7%
19%
23%
4,877 6% 19%
24%
51%
52%
51%
Q1 FY25
Q4 FY25
Q1 FY26
Interest Income Instance Based & Others
Spend Based Subscription Based
*Q4 FY25- Reported COF @ 7.2%, NIM @ 11.2% (Excluding benefit from one-off lease modification, COF @ 7.3%, NIM @ 11.1%)
11
Asset Quality
(All figures in ₹ Cr )
Asset Quality
Q1 FY26
Q4 FY25
QoQ
Gross Credit Cost *(A)
-Gross Write off
-Provision
Recoveries (B)
1,352
1,280
72
157
1,244
1,303
(59)
154
Net Credit Cost (A-B)
1,195
1,091
9%
-2%
222%
2%
10%
YoY
23%
32%
-45%
28%
22%
Gross Credit Cost %
-Gross Write off %
-Provision %
Net Credit Cost %
PCR %
ECL %
GNPA %
NNPA %
9.6%
9.1%
0.5%
8.5%
54.3%
3.5%
3.07%
1.42%
9.0%
9.4%
-0.4%
7.9%
53.5%
3.4%
3.08%
1.46%
58 bps
111 bps
-35 bps
161 bps
93 bps
58 bps
-50 bps
94 bps
89 bps
-1009 bps
8 bps
-1 bp
-11 bps
1 bp
-3 bps
31 bps
Receivables (₹ Cr) (Composition Mix %)
52,705
55,840
3.1% 6.2%
90.8%
3.1% 5.0%
91.9%
56,607
3.1% 4.7%
92.2%
Q1 FY25
Stage 1
Q4 FY25 Stage 2
Q1 FY26 Stage 3
Provision(₹ Cr) (% of NEA)
1,898
64.4%
4.3% 1.5% Q1 FY25
1,906
53.5%
19.2%
0.9% Q4 FY25
1,978
54.3%
21.5%
0.9% Q1 FY26
Stage 1
Stage 2
Stage 3
*Excludes impairment on other financial assets
Stage 2: 30-89 DPD and High Risk, Overlimit and Linked Accounts. Stage 3: 90-179 DPD and Settled, Restructured, Deceased and Linked Accounts. 13
Portfolio Insights
New Accounts
Salaried Category
Age Profile
By City Tier
i
g n c r u o S w e N
6 2 Y F 1 Q r o F
44%
52%
56%
30%
18%
SBI
Open Market
Govt/PSU Salaried 61%; Self employed 39%
Cat A
Cat B
21%
30%
23%
25%
49%
33%
19%
Under 30
31-45
>45
Tier 1
Tier 2
Tier 3
Others
1.09
59%
e c r o F
- n
i
- s d r a C
5 2 n u
J
0 3
n o s A
1.02 42%
0.57
33%
0.72
26%
20%
1.12
41%
0.77
0.97
17%
26%
1.02
35%
0.99
SBI
Open Market
Govt/PSU
Cat A
Cat B
Under 30
31-45
>45
Tier 1
Tier 2
Tier 3
Others
25%
1.14
0.98
54%
22%
1.01
Indexed 30+ delinquency
14
Borrowings & Capital Adequacy
Borrowings & Capital Adequacy
Borrowings Mix
Capital Adequacy
20%
17%
63%
21%
18%
61%
19%
16%
65%
19%
14%
67%
17%
12% 4%
67%
CAR
20.6%
Tier 1
16.8%
22.1%
22.9%
22.9%
23.2%
16.3%
17.0%
17.5%
17.9%
Q1 FY25
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Q1 FY25
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
WCDL
CP
NCD
TL
COF Trend
Key Comments
7.6%
7.5%
7.6%
7.4%
7.5%
7.4%
7.5%
7.2% *
7.3%
7.1%
Credit Ratings ▪ ▪
Short Term : A1+ by CRISIL & ICRA Long Term : AAA/Stable by CRISIL & ICRA CRISIL & ICRA
Q1 FY25
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
COF%
Daily Weighted Average
• CAR at comfortable level of 23%+ • Daily COF down by 24 bps from last quarter
*Q4 FY25- Reported COF @ 7.2% (Excluding benefit from one-off lease modification, COF @ 7.3%)
16
ESG
ESG Update
Strengthened ESG Standing – FTSE4Good Recognition
Included in the FTSE4Good Index Series post a notable ESG rating upgrade to 3.8, benchmarking us against global sustainability standards.
ENVIRONMENT
SOCIAL
GOVERNANCE
Advancing Energy Efficiency Through Smart Infrastructure • Replaced old equipments like microwaves, etc with latest
energy-efficient models, targeting a reduction of 20,000kWh annually in electricity consumption
• Deployed IoT-enabled systems on air conditioning units and energy meters at the New Delhi office, enabling centralized, real-time monitoring and control of energy usage.
Building Environmental Awareness Amongst Employees • Observed ‘Lights Out’ for One Hour across all offices on World Environment Day to promote energy conservation.
• Conducted awareness campaigns on saving paper and water encouraging employees on responsible resource usage.
• Employees volunteered in a plantation drive at the
Aravallis, Haryana as part of our CSR efforts to support biodiversity.
Envisioning a Sustainable and Inclusive Workplace •
Introduced sanitary pad care dispensers and eco-friendly disposal bins at offices in Bangalore, Chennai, and Hyderabad, promoting female hygiene while ensuring environmentally responsible waste management.
Digital Innovation for Responsible Customer Experience •
Instant notifications enablement on WhatsApp for customers to enable inactive transaction switches upon card decline, giving customers real-time control. Introduced live chat on the website to deliver faster query resolution and improve service accessibility.
•
These initiatives reflect our commitment to responsible digitization and seamless customer experience through secure, inclusive, and technology-led solutions.
Fostering Holistic Well-being • Organized a yoga session by renowned Yogacharya Dr. Surendra Kumar on International Yoga Day in corporate office, broadcasted across locations, promoting employee health and mental well-being through mindfulness and stress relief.
Fostering a Culture of Integrity • Regular awareness on the Code of Conduct through
trainings and internal communications; annual mandatory training for all employees underway to promote ethical behaviour and responsible business practices.
Enhanced Risk Governance Framework • The Expected Credit Loss (ECL) model has been
reviewed and upgraded, aligning with Ind AS guidelines. The revised provisioning model has undergone external auditor review and received Board-level approval, strengthening the organization’s credit risk management and compliance framework.
18
Shareholders Summary
Shareholders Summary
Shareholding Pattern, 30th June 2025
Top 20 Shareholders as on 30th June 2025
Insurance 6.74%
Others 1.37%
Resident Individuals 3.24%
MF 9.84%
FPI 10.22%
S. No 1
State Bank Of India
Name of Shareholder
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Life Insurance Corporation Of India - P & Gs Fund
Life Insurance Corporation Of India
Icici Prudential Multi-Asset Fund
Government Pension Fund Global
Icici Prudential Large & Mid Cap Fund
Nippon Life India Trustee Ltd-A/C Nippon India Multi Cap Fund
Tata Indian Opportunities Fund
Zulia Investments Pte. Ltd.
Nippon Life India Trustee Ltd-A/C Nippon India Large Cap Fund
Pi Opportunities Aif V Llp
Vanguard Total International Stock Index Fund
Kotak Funds - India Midcap Fund Vanguard Emerging Markets Stock Index Fund, A Series Of Vanguard International Equity Index Funds
Nippon Life India Trustee Ltd-A/C Nippon India Focused Equity Fund
Tata Large And Mid-Cap Fund
Hsbc Midcap Fund
Hsbc Global Investment Funds - Indian Equity
Nps Trust- A/C Hdfc Pension Fund Management Limited Scheme E - Tier I
Icici Prudential Elss Tax Saver Fund
%
68.59
4.11
1.98
1.74
1.22
0.85
0.71
0.59
0.48
0.47
0.45
0.45
0.40
0.40
0.38
0.34
0.33
0.32
0.30
0.30
20
Promoter Group SBI & Subs. 68.59%
(SBI – 68.59%)
Annexures
Balance Sheet Statement
Description Assets Loans (Net of Provisions) Cash & Bank Balances Investments All other Financial Assets Total Financial Assets PP&E, Intangible & Right of use assets Current & Deferred Tax All other non-financial Assets Total non-financial Assets Total Assets
Liabilities and equity
Equity Share Capital Other Equity Total Equity Borrowings All other financial liabilities Total financial liabilities Provisions Other non-financial liabilities Total non-financial liabilities Total liabilities and equity
Mar’25
Jun’25
(All figures in ₹ Cr )
53,935 2,738 6,235 514 63,422 330 450 1,344 2,124 65,546
951 12,830 13,782 44,947 4,974 49,920 677 1,167 1,844 65,546
54,629 2,266 6,329 659 63,883 302 461 1,362 2,126 66,009
952 13,390 14,342 46,180 3,661 49,841 701 1,125 1,826 66,009
22
Profit & Loss Statement
Description
Interest Income
Fees and commission income
Sale of Services
Business development incentive income
Insurance commission income
Net gain on fair value changes
Revenue from operations
Other Income
Income/Revenue
Finance costs
Fees and commission expense
Impairment on Financial Instruments
Employee benefits & Expenses
Depreciation, amortisation & impairment Operating & Other expenses
Total expenses
Profit before tax
Profit after tax
Q1 FY25
Q4 FY25
Q1 FY26
(All figures in ₹ Cr )
2,243
1,928
33
154
1
0
4,359
124
4,483
767
147
1,101
134
49 1,486
3,683
799
594
2,415
2,093
27
138
1
-
4,674
158
4,832
795
195
1,245
154
(2) 1,725
4,113
719
534
2,493
2,191
26
167
0
-
4,877
158
5,035
813
187
1,352
161
35 1,739
4,287
748
556
23
Explaining Returns
Q1 FY25
Q4 FY25
Q1 FY26
Interest Income
Fees and other Income
Recoveries
Total Revenue
Finance Costs
Operating Costs
Earnings before Credit Costs
Credit Costs
PBT
Taxes
ROAA
Avg Assets/Avg Equity
15.3%
14.5%
0.8%
30.6%
5.2%
12.4%
13.0%
7.5%
5.5%
1.4%
4.1%
4.7
15.1%
14.2%
1.0%
30.3%
5.0%
13.0%
12.3%
7.8%
4.5%
1.2%
3.4%
4.6
QoQ
6 bps
36 bps
-1 bp
15.2%
14.6%
1.0%
30.7%
42 bps
5.0%
13.0%
12.8%
8.2%
4.6%
1.2%
3.4%
4.6
-3 bps
-5 bps
50 bps
44 bps
6 bps
2 bps
4 bps
YoY
-11 bps
10 bps
12 bps
10 bps
-28 bps
54 bps
-17 bps
73 bps
-89 bps
-22 bps
-67 bps
ROAE
19.1%
15.5%
15.8%
24 bps
-335 bps
24
Product Brief
Super Premium
Core Cards
Co-Brand Cards
Banking
Retail
Travel & Fuel
AURUM
SBI Card Elite
SBI Card PRIME
SBI Card Pulse
UCO Bank SBI Card
KrisFlyer SBI Card Apex
Tata Neu Infinity SBI Card
Reliance SBI Card
SimplyCLICK SBI Card SimplySAVE SBI Card
Shaurya Select SBI Card
PSB SBI Card
Lifestyle Home Centre SBI Card
KrisFlyer SBI Card
Tata Neu Plus SBI Card
Miles Elite SBI Card
Miles Prime Card Miles Select Card
Titan SBI Card
BPCL SBI Card OCTANE
Karnataka Bank SBI Card
Doctor’s SBI Card
Cashback SBI Card
Apollo SBI Card SELECT
Paytm SBI Card SELECT
IRCTC SBI Card Premier
25
Market Share
Dominant credit card player in India
CARDS IN FORCE
SPENDS
TRANSACTIONS
19.7%
18.6%
19.0%
19.1%
18.2%
17.8%
15.7%
16.6%
18.2%
17.0%
16.7%
17.5%
FY23
FY24
FY25
FY26*
FY23
FY24
FY25
FY26*
FY23
FY24
FY25
FY26*
*As per RBI report available till June’25
26
Recent Developments
Launch of Tata Neu SBI Card
SBI Card partnered with Tata Digital to launch Tata Neu SBI Card.
The lifestyle co-branded credit card offers rewards on spends in the form of NeuCoins, redeemable on the Tata Neu app.
The card is available in two variants – Tata Neu Infinity SBI Card and Tata Neu Plus SBI Card.
Introduced Apollo SBI Card SELECT
SBI Card & Apollo HealthCo have extended their partnership to introduce Apollo SBI Card SELECT.
The premium co-branded card has been designed for the evolving needs of health-conscious consumers, offering a compelling blend of healthcare savings and rewards.
A strategically phased social media campaign was executed to build intrigue & progressively unveil the credit card and its core benefits.
PULSE & CASHBACK Product Promotion
An OOH campaign was launched in Bengaluru promoting Pulse & Cashback products.
The campaign involved 120+ Transit Mediums (Bus Queue Shelters & Bus Wraps) covering arterial routes, IT hubs, residential areas & key markets, over 6 weeks.
27
Awards and Recognitions
SBI Card won the prestigious CRIF High Mark Data Excellence Awards 2025 held at Mumbai. SBI Card was awarded under the Special Category for one of the lowest data rejection rates and 98% data accuracy.
SBI Card was bestowed with two Silver Abbys at the Abby South Asia Awards 2025 powered by The One Show (Goa Fest). SBI Card MILES campaign ‘Shahid’s Buzzing Itinerary’ was recognized under the category of Public Relations Sectors – Financial PR and Other Consumer Products & Services
SBI Card won the Prestigious Economic Times HR Silver Training Award for ‘Best advance in learning management measurement business impact tools’ at Economic Times HR Award Forum, at Mumbai.
28
Glossary
Term
New Accounts
Card-in-force
Spends
Retail Spends
Sum of all accounts opened in a reporting period.
Sum of all credit cards issued by us, including suspended credit cards that may be reactivated in future, net of cancelled and deactivated credit cards.
Total Spends (retail and corporate) constitutes the aggregate notional amounts (POS/online) transacted by our cardholders in a reporting period.
Total retail spends constitutes the aggregate notional amounts (POS/online) transacted by our retail cardholders in a reporting period.
Description
Corporate Spends
Total corporate spends constitutes the aggregate notional amounts (POS/online) transacted by our corporate entity cardholders in a reporting period.
Receivables
Total credit card receivables outstanding from our cardholders at the end of the reporting period.
Retail 30-day Active Rate
Constitutes the number of active accounts (with at least one retail transaction) over the total accounts in a month.
Market share – CIF
Market share-CIF is calculated by dividing our total cards outstanding by industry-wide total cards outstanding, as obtained from data published by RBI at the end of the reporting period.
Market share – Spends
Market share of total card spends is calculated by dividing our total card spends by the industry-wide total card spends, as obtained from data published by RBI for the reporting period.
Averages
Averages for various ratios are computed basis monthly denominators.
Spends per card
Spends per cards outstanding is calculated by dividing our total card spends by the average total cards outstanding for the period (annualized).
Receivables per card
Receivables per card outstanding is calculated as total receivables at the end of the reporting period divided by total cards at the end of the reporting period.
EBCC
Yield %
COF %
NIM %
EBCC is Earning before credit cost, calculated as aggregate of all revenue lines less interest cost and operating cost.
Calculated as interest income from cardholders divided by average receivables for the period (annualized).
Calculated as total finance costs for the period divided by average borrowings (including lease liabilities) for the period (annualized).
Calculated as interest income after subtracting finance cost divided by average receivables for the period (annualized).
Gross Credit Cost %
Calculated as Gross Write offs and incremental provisions on loan asset divided by average receivables for the period (annualized).
Cost to Income %
Calculated as operating and other expenses divided by Net revenue (Total revenue after subtracting finance cost.)
ROAA
ROAE
GNPA%
NNPA%
ECL%
Calculated as profit after tax divided by average total assets for the period (annualized).
Calculated as profit after tax divided by the average shareholders’ equity for the period (annualized).
Calculated as Stage 3 receivables divided by total receivables at the end of the period
Calculated as Stage 3 receivables after subtracting provision of stage 3 divided by total receivables less stage 3 provision for the period
Calculated as total provision divided by total receivables at the end of the period
Shareholders’ equity
Shareholders’ equity is defined as sum of share capital, reserves and surplus excluding reserves created out of amalgamation.
29
Disclaimer
The information contained in this presentation is for information purposes only and does not constitute an offer or invitation to sell or purchase any securities of SBI Cards and Payment Services Limited in India or in any other jurisdiction. This presentation is not intended to be a prospectus or an offer document under any applicable law.
This presentation may contain certain forward looking statements which have purely been made basis Management’s expectations, assumptions and estimates, known or unknown risks. Such statement typically contain the terms / phrases (including but not limited to) “will”, “believe”, “aim”, “may”, “would”, “expect”, “would /may result”, “goal”, “strategy”, “anticipate”, “intend”, “seek”, “plan”, “objective”, “contemplate”, “project”, “anticipate”, etc., These statements are neither factual nor do they constitute any historical information about the Company and are subject to change / uncertainties in future. The actual financial or other results may materially differ from such statements and the investors are advised not to make any decisions merely on these. The Management is further not expected to update these in future as and when there is a change impacting such estimates / possibilities.
The recipients should conduct and carry out their own due diligence in respect of the information contained in the presentation.
This presentation should not form basis or be relied upon in any connection with any contract or commitment whatsoever.
Figures for previous period/year have been regrouped or recategorized wherever necessary to conform to the current period’s/year’s presentation. Totals in some columns/rows/graphs may not agree due to rounding-offs.
30
Thank you