Financial Statements

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Y/e 31 Mar - - - -
Growth matrix (%)        
Net interest income -- -- -- --
Total op income -- -- -- --
Op profit (pre-provision) -- -- -- --
Net profit -- -- -- --
Advances -- -- -- --
Deposits -- -- -- --
Total assets -- -- -- --
Profitability Ratios (%)        
NIM -- -- -- --
Non-int inc/Total inc -- -- -- --
Return on Avg Equity -- -- -- --
Return on Avg Assets -- -- -- --
Per share ratios ()        
EPS -- -- -- --
Adj.BVPS -- -- -- --
DPS -- -- -- --
Other key ratios (%)        
Credit/Deposits -- -- -- --
Cost/Income -- -- -- --
CASA -- -- -- --
CAR -- -- -- --
Tier-I capital -- -- -- --
Gross NPLs/Loans -- -- -- --
Prov/Avg loans -- -- -- --
Net NPLs/Net loans -- -- -- --
Tax rate -- -- -- --
Dividend yield -- -- -- --
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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-2020 Mar-2019 Mar-2018 Mar-2017
Total cash & equivalents 86,456 94,811 95,883 95,888
Investments 158,573 147,639 137,111 127,827
Advances 368,883 341,006 341,380 366,482
Total int-earning assets 613,913 583,456 574,374 590,196
Fixed assets 8,982 8,920 8,265 8,462
Other assets 36,100 34,800 28,787 29,795
Total assets 658,995 627,177 611,426 628,453
Net worth 43,816 46,319 35,541 32,487
Deposits 555,505 520,862 520,854 540,032
Borrowings 39,752 44,241 43,589 39,406
Total int-bearing liabs 595,257 565,104 564,443 579,438
Non-int-bearing liabs 19,921 15,754 11,442 16,528
Total liabilities 615,178 580,858 575,886 595,966
Equity + Total liabilities 658,995 627,177 611,426 628,453
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Particulars ( Rupees In Crores.) Sep-2020 Mar-2020 Sep-2019 Mar-2019
Interest Earned 21,030 21,363 20,990 20,985
Other Income 3,320 4,191 2,522 2,798
Total Income 24,350 25,554 23,512 23,784
Operating Expenses ** 18,408 18,766 18,781 19,207
Operating Profit Before Prov. & Cont. 5,942 6,787 4,731 4,576
Provisions & Contingencies 3,824 12,157 3,964 10,898
Depreciation -- -- -- --
Provision For Taxes 748 (1,904) 258 (1,836)
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 1,369 (3,466) 509 (4,486)
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 1,369 (3,466) 509 (4,486)
EPS (Unit Curr.) 4.18 -- 1.58 --
EPS (Adj) (Unit Curr.) 4.18 -- 1.58 --
Calculated EPS (Unit Curr.)  4.18 (11) 1.55 (16)
Calculated EPS (Adj) (Unit Curr.) 4.18 (11) 1.55 (16)
Calculated EPS (Ann.) (Unit Curr.)  8.36 (21) 3.11 (33)
Calculated EPS (Adj) (Ann.) (Unit Curr.)  8.36 (21) 3.11 (33)
Book Value (Unit Curr.) -- -- -- --
Dividend (%) -- -- -- --
Equity 3,278 3,278 3,278 2,760
Reserve & Surplus  -- -- -- --
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI 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(%) 74 37.80 68.70 34.70
PBDTM(%) 10.10 (25) 3.65 (30)
PATM(%) 6.51 (16) 2.42 (21)
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --