Y/e 31 Mar | Mar-2017 | Mar-2016 | Mar-2015 | Mar-2014 |
---|---|---|---|---|
Growth matrix (%) | ||||
Net interest income | (5.50) | 5.93 | (4.50) | 12.10 |
Total op income | 2.31 | (2.60) | 8.39 | 4.74 |
Op profit (pre-provision) | (15) | (6.30) | 0.82 | 4.09 |
Net profit | 40.70 | (520) | (22) | (40) |
Advances | (12) | 3.61 | 5.41 | 0.70 |
Deposits | 1.06 | (3.70) | 10.20 | 3.58 |
Total assets | (3.50) | 5.26 | 8.27 | 2.04 |
Profitability Ratios (%) | ||||
NIM | -- | -- | 1.90 | 2.17 |
Non-int inc/Total inc | 40.80 | 35.90 | 41.10 | 33.10 |
Return on Avg Equity | (21) | (14) | 3.64 | 5 |
Return on Avg Assets | (1.40) | (1) | 0.25 | 0.34 |
Per share ratios () | ||||
EPS | -- | -- | 5.29 | 6.82 |
Adj.BVPS | -- | -- | -- | -- |
DPS | -- | -- | 0.75 | 1 |
Other key ratios (%) | ||||
Credit/Deposits | 0.71 | 0.81 | 0.76 | 0.79 |
Cost/Income | 124 | 103 | 121 | 106 |
CASA | 31.50 | 26 | 25.10 | 22.60 |
CAR | 10.70 | 11.70 | 11.80 | 11.70 |
Tier-I capital | 7.81 | 8.89 | 8.18 | 7.79 |
Gross NPLs/Loans | -- | -- | -- | -- |
Prov/Avg loans | 6.49 | 4.87 | 2.19 | 2 |
Net NPLs/Net loans | -- | -- | -- | -- |
Tax rate | 0.67 | 0.36 | 0.47 | 0.55 |
Dividend yield | -- | -- | 1.06 | 1.53 |
Y/e 31 Mar ( In .Cr) | Mar-2017 | Mar-2016 | Mar-2015 | Mar-2014 |
---|---|---|---|---|
Interest income | 27,791 | 28,043 | 28,154 | 26,598 |
Interest expense | (22,040) | (21,954) | (22,406) | (20,576) |
Net interest income | 5,752 | 6,089 | 5,748 | 6,021 |
Non-interest income | 3,968 | 3,411 | 4,008 | 2,979 |
Total op income | 9,719 | 9,500 | 9,756 | 9,000 |
Total op expenses | (5,141) | (4,130) | (4,027) | (3,319) |
Op profit (pre-prov) | 4,578 | 5,370 | 5,728 | 5,681 |
Provisions | (13,196) | (10,341) | (4,441) | (3,940) |
Exceptionals | -- | -- | -- | -- |
Profit before tax | (8,618) | (4,971) | 1,287 | 1,741 |
Taxes | 3,460 | 1,306 | (414) | (620) |
Net profit | (5,158) | (3,665) | 873 | 1,121 |
Y/e 31 Mar ( In .Cr) | Mar-2021 | Mar-2020 | Mar-2019 | Mar-2018 |
---|---|---|---|---|
Total cash & equivalents | 35,222 | 30,430 | 21,234 | 33,686 |
Investments | 81,023 | 81,780 | 93,073 | 91,606 |
Advances | 128,150 | 129,842 | 146,790 | 171,740 |
Total int-earning assets | 244,395 | 242,053 | 261,097 | 297,032 |
Fixed assets | 7,827 | 8,129 | 8,231 | 6,771 |
Other assets | 45,852 | 50,062 | 51,420 | 46,789 |
Total assets | 298,074 | 300,244 | 320,747 | 350,592 |
Net worth | 36,811 | 34,024 | 37,612 | 21,210 |
Deposits | 230,898 | 222,424 | 227,372 | 247,932 |
Borrowings | 15,908 | 36,749 | 45,288 | 63,186 |
Total int-bearing liabs | 246,806 | 259,173 | 272,659 | 311,117 |
Non-int-bearing liabs | 14,456 | 7,047 | 10,476 | 18,265 |
Total liabilities | 261,263 | 266,220 | 283,136 | 329,382 |
Equity + Total liabilities | 298,074 | 300,244 | 320,747 | 350,592 |
Particulars ( Rupees In Crores.) | Dec-2021 | Dec-2020 | Dec-2019 | Dec-2018 |
---|---|---|---|---|
Interest Earned | 13,696 | 14,157 | 15,227 | 16,608 |
Other Income | 3,862 | 3,445 | 3,144 | 2,147 |
Total Income | 17,558 | 17,602 | 18,371 | 18,755 |
Operating Expenses ** | 11,576 | 13,383 | 15,132 | 16,099 |
Operating Profit Before Prov. & Cont. | 5,982 | 4,219 | 3,238 | 2,656 |
Provisions & Contingencies | 3,217 | 2,273 | 12,495 | 18,347 |
Depreciation | -- | -- | -- | -- |
Provision For Taxes | 1,016 | 1,099 | 3,766 | (5,492) |
Fringe Benefit Tax | -- | -- | -- | -- |
Deferred Tax | -- | -- | -- | -- |
Net Profit | 1,749 | 847 | (13,023) | (10,198) |
Extra-ordinary Items | -- | -- | -- | -- |
Adjusted Profit After Extra-ordinary item | 1,749 | 847 | (13,023) | (10,198) |
EPS (Unit Curr.) | 1.63 | 0.81 | (15) | (25) |
EPS (Adj) (Unit Curr.) | 1.63 | 0.81 | (15) | (25) |
Calculated EPS (Unit Curr.) | 1.63 | 0.79 | (13) | (15) |
Calculated EPS (Adj) (Unit Curr.) | 1.63 | 0.79 | (13) | (15) |
Calculated EPS (Ann.) (Unit Curr.) | 2.17 | 1.05 | (17) | (20) |
Calculated EPS (Adj) (Ann.) (Unit Curr.) | 2.17 | 1.05 | (17) | (20) |
Book Value (Unit Curr.) | 30.20 | 27.90 | 26.30 | 44.50 |
Dividend (%) | -- | -- | -- | -- |
Equity | 10,752 | 10,752 | 10,381 | 6,909 |
Reserve & Surplus | 19,777 | 17,140 | 23,148 | 13,072 |
Face Value | 10 | 10 | 10 | 10 |
Public Shareholding (No Of.Shares) | -- | -- | -- | -- |
Public Shareholding (% in Equity) | -- | -- | -- | -- |
(%) of shares held by GOI | 45.50 | 45.50 | 47.10 | 52 |
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(%) | 71 | 76.40 | 8.85 | (20) |
PBDTM(%) | 20.20 | 13.70 | (61) | (94) |
PATM(%) | 12.80 | 5.98 | (86) | (61) |
Capital Adequacy Ratio | -- | -- | -- | -- |
Tier I Capital | -- | -- | -- | -- |
Tier II Capital | -- | -- | -- | -- |
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