Financial Statements

Key Financial Ratios

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Y/e 31 Mar Mar-2017 Mar-2016 Mar-2015 Mar-2014
Growth matrix (%)        
Net interest income 0.87 3.36 4.74 20
Total op income 20.90 (1.30) 3 18.20
Op profit (pre-provision) 61.30 (19) (11) 12.90
Net profit (74) (456) (37) (0.70)
Advances 2.03 (11) 8.44 28.10
Deposits 5.27 (5.50) 11.60 24.80
Total assets 2.73 (1.10) 7.94 26.60
Profitability Ratios (%)        
NIM 2.20 2.50 2.11 2.34
Non-int inc/Total inc 36.40 23.80 27.20 28.40
Return on Avg Equity (4.80) (19) 5.57 10.10
Return on Avg Assets (0.30) (1) 0.29 0.53
Per share ratios ()        
EPS -- -- 25.70 42.50
Adj.BVPS -- -- -- --
DPS -- -- 5 5
Other key ratios (%)        
Credit/Deposits 0.68 0.70 0.74 0.76
Cost/Income 94.90 115 121 126
CASA 39.80 34.20 29.50 30
CAR 12.10 12 10.70 9.98
Tier-I capital 8.90 9.03 8.17 7.25
Gross NPLs/Loans -- -- -- --
Prov/Avg loans 3.34 3.63 1.47 1.48
Net NPLs/Net loans -- -- -- --
Tax rate 0.52 0.28 0.05 0.30
Dividend yield -- -- 2.55 2.18
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Y/e 31 Mar ( In .Cr) Mar-2017 Mar-2016 Mar-2015 Mar-2014
Interest income 39,291 41,796 43,430 37,910
Interest expense (27,465) (30,072) (32,086) (27,080)
Net interest income 11,826 11,725 11,344 10,831
Non-interest income 6,772 3,653 4,233 4,292
Total op income 18,598 15,377 15,576 15,122
Total op expenses (8,866) (9,342) (8,089) (6,699)
Op profit (pre-prov) 9,733 6,036 7,488 8,423
Provisions (12,105) (13,826) (5,693) (4,878)
Exceptionals -- -- -- --
Profit before tax (2,373) (7,791) 1,795 3,545
Taxes 814 1,702 (86) (816)
Net profit (1,558) (6,089) 1,709 2,729
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Y/e 31 Mar ( In .Cr) Mar-2021 Mar-2020 Mar-2019 Mar-2018
Total cash & equivalents 126,581 86,456 94,811 95,883
Investments 187,253 158,573 147,639 137,111
Advances 365,687 368,883 341,006 341,380
Total int-earning assets 679,520 613,913 583,456 574,374
Fixed assets 8,914 8,982 8,920 8,265
Other assets 39,564 36,100 34,800 28,787
Total assets 727,998 658,995 627,177 611,426
Net worth 48,686 43,816 46,319 35,541
Deposits 627,114 555,505 520,862 520,854
Borrowings 32,464 39,752 44,241 43,589
Total int-bearing liabs 659,578 595,257 565,104 564,443
Non-int-bearing liabs 19,735 19,921 15,754 11,442
Total liabilities 679,313 615,178 580,858 575,886
Equity + Total liabilities 727,998 658,995 627,177 611,426
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Particulars ( Rupees In Crores.) Sep-2021 Jun-2021 Mar-2021 Dec-2020
Interest Earned 9,522 9,321 9,327 10,243
Other Income 2,136 2,320 2,053 2,068
Total Income 11,659 11,641 11,380 12,311
Operating Expenses ** 8,981 8,892 9,285 9,475
Operating Profit Before Prov. & Cont. 2,678 2,749 2,094 2,836
Provisions & Contingencies 894 1,652 1,831 1,980
Depreciation -- -- -- --
Provision For Taxes 733 377 13.10 315
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 1,051 720 250 541
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 1,051 720 250 541
EPS (Unit Curr.) 2.74 2.14 0.76 1.65
EPS (Adj) (Unit Curr.) 2.74 2.14 0.76 1.65
Calculated EPS (Unit Curr.)  2.56 1.95 0.76 1.65
Calculated EPS (Adj) (Unit Curr.) 2.56 1.95 0.76 1.65
Calculated EPS (Ann.) (Unit Curr.)  10.20 7.79 3.05 6.60
Calculated EPS (Adj) (Ann.) (Unit Curr.)  10.20 7.79 3.05 6.60
Book Value (Unit Curr.) -- -- -- --
Dividend (%) -- -- -- --
Equity 4,104 3,699 3,278 3,278
Reserve & Surplus  -- -- -- --
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI 81.40 90.30 89.10 89.10
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- -- -- --
Non Encumbered - % in Total Promoters Holding -- -- -- --
Non Encumbered - % in Total Equity -- -- -- --
PBIDTM(%) 81.70 78 71.30 71.80
PBDTM(%) 18.70 11.80 2.82 8.35
PATM(%) 11 7.72 2.68 5.28
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --
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