Tata Capital Financial Services

Tata Capital's net interest margin fell 4.04% to 3.84% in 2018

By Helgi Analytics - November 05, 2019

Tata Capital Financial Services's net interest margin amounted to 3.84% in 2018, down from 4.00% compared to the previous year. ...

Tata Capital's net profit rose 7.42% to INR 4,328 mil in 2018

By Helgi Analytics - November 05, 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...

Tata Capital's net interest income rose 6.34% to INR 16,857 mil in 2018

By Helgi Analytics - November 05, 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
Fee Income (As % Of Revenues) % 0 4.46 3.76
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
Debt Securities INR mil 2,611 9,495 7,820
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

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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) % ... ... ... ...    
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    

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Tata Capital's customer loan growth rose 6.81% to 20.6% in 2018

By Helgi Analytics - November 05, 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...

Tata Capital's customer loans rose 20.6% to INR 369,866 mil in 2018

By Helgi Analytics - November 05, 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...

Tata Capital's total revenues rose 19.7% to INR 19,108 mil in 2018

By Helgi Analytics - November 05, 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...

Tata Capital's customer deposits rose 6.36% to INR 5,257 mil in 2018

By Helgi Analytics - November 05, 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 ...

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Finance

Tata Capital Financial Services has been growing its revenues and asset by 14.3% and 16.1% a year on average in the last 3 years. Its loans and deposits have grown by 16.6% and 14.0% a year during that time and loans to deposits ratio reached 7,981% at the end of 2018. The company achieved an average return on equity of 11.3% in the last three years with net profit growing 17.6% a year on average. In terms of operating efficiency, its cost to income ratio reached 59.3% in 2018, compared to 62.3% average in the last three years.

Equity represented 8.46% of total assets or 9.06% of loans at the end of 2018. Tata Capital Financial Services's non-performing loans were 2.40% of total loans while provisions covered some 141% of NPLs at the end of 2018.