Y/e 31 Mar | Mar-2017 | Mar-2016 | Mar-2015 | Mar-2014 |
---|---|---|---|---|
Growth matrix (%) | ||||
Net interest income | (0.80) | 29.60 | 3.62 | (1.20) |
Total op income | 3.13 | 25.90 | 2.93 | 0.62 |
Op profit (pre-provision) | (2.20) | 63.80 | (3.10) | (15) |
Net profit | (40) | 177 | (60) | (11) |
Advances | (8.70) | 0.07 | 11.60 | 11.30 |
Deposits | (6.30) | 3.65 | 2.07 | 19.50 |
Total assets | (5.70) | 4.84 | 3.41 | 17.60 |
Profitability Ratios (%) | ||||
NIM | -- | 2.22 | 1.80 | 1.88 |
Non-int inc/Total inc | 21.10 | 18 | 20.30 | 20.90 |
Return on Avg Equity | 3.32 | 5.81 | 2.29 | 6.25 |
Return on Avg Assets | 0.20 | 0.34 | 0.13 | 0.34 |
Per share ratios () | ||||
EPS | 5.02 | 8.39 | 3.03 | 9.78 |
Adj.BVPS | -- | -- | -- | -- |
DPS | -- | 1.65 | 0.60 | 2.20 |
Other key ratios (%) | ||||
Credit/Deposits | 0.68 | 0.70 | 0.73 | 0.66 |
Cost/Income | 108 | 104 | 107 | 114 |
CASA | -- | -- | -- | -- |
CAR | 11.10 | 10.90 | 11.20 | 11 |
Tier-I capital | 9.14 | 9.29 | 8.48 | 7.27 |
Gross NPLs/Loans | -- | -- | -- | -- |
Prov/Avg loans | 1.62 | 1.21 | 1.04 | 1.02 |
Net NPLs/Net loans | -- | -- | -- | -- |
Tax rate | 0.25 | 0.48 | 0.22 | (0.20) |
Dividend yield | -- | 4.76 | 1.31 | 4.88 |
Y/e 31 Mar ( In .Cr) | Mar-2017 | Mar-2016 | Mar-2015 | Mar-2014 |
---|---|---|---|---|
Interest income | 8,173 | 8,744 | 8,589 | 7,973 |
Interest expense | (6,014) | (6,569) | (6,909) | (6,352) |
Net interest income | 2,159 | 2,176 | 1,679 | 1,621 |
Non-interest income | 578 | 478 | 429 | 427 |
Total op income | 2,737 | 2,654 | 2,108 | 2,048 |
Total op expenses | (1,496) | (1,384) | (1,332) | (1,247) |
Op profit (pre-prov) | 1,242 | 1,270 | 775 | 801 |
Provisions | (991) | (771) | (627) | (554) |
Exceptionals | -- | -- | -- | -- |
Profit before tax | 250 | 498 | 148 | 246 |
Taxes | (49) | (162) | (27) | 54.30 |
Net profit | 201 | 336 | 121 | 301 |
Y/e 31 Mar ( In .Cr) | Mar-2021 | Mar-2020 | Mar-2019 | Mar-2018 |
---|---|---|---|---|
Total cash & equivalents | 8,339 | 9,578 | 6,618 | 7,133 |
Investments | 32,023 | 24,552 | 26,173 | 32,982 |
Advances | 60,942 | 58,412 | 69,176 | 66,569 |
Total int-earning assets | 101,304 | 92,542 | 101,967 | 106,684 |
Fixed assets | 1,585 | 1,241 | 1,230 | 1,083 |
Other assets | 7,680 | 6,813 | 5,867 | 6,056 |
Total assets | 110,568 | 100,596 | 109,064 | 113,823 |
Net worth | 8,363 | 5,596 | 5,701 | 6,183 |
Deposits | 96,108 | 89,668 | 98,558 | 101,726 |
Borrowings | 2,644 | 3,213 | 2,714 | 3,683 |
Total int-bearing liabs | 98,752 | 92,881 | 101,272 | 105,409 |
Non-int-bearing liabs | 3,454 | 2,119 | 2,091 | 2,231 |
Total liabilities | 102,205 | 94,999 | 103,363 | 107,640 |
Equity + Total liabilities | 110,568 | 100,596 | 109,064 | 113,823 |
Particulars ( Rupees In Crores.) | Sep-2021 | Mar-2021 | Sep-2020 | Mar-2020 |
---|---|---|---|---|
Interest Earned | 3,431 | 3,374 | 3,600 | 3,845 |
Other Income | 418 | 582 | 322 | 522 |
Total Income | 3,849 | 3,956 | 3,922 | 4,366 |
Operating Expenses ** | 3,325 | 3,609 | 3,496 | 3,790 |
Operating Profit Before Prov. & Cont. | 524 | 346 | 426 | 577 |
Provisions & Contingencies | 92.70 | 2,962 | 1,215 | 1,312 |
Depreciation | -- | -- | -- | -- |
Provision For Taxes | 39.50 | (400) | (271) | (244) |
Fringe Benefit Tax | -- | -- | -- | -- |
Deferred Tax | -- | -- | -- | -- |
Net Profit | 392 | (2,215) | (518) | (492) |
Extra-ordinary Items | -- | -- | -- | -- |
Adjusted Profit After Extra-ordinary item | 392 | (2,215) | (518) | (492) |
EPS (Unit Curr.) | 0.97 | -- | (7.40) | -- |
EPS (Adj) (Unit Curr.) | 0.97 | -- | (7.40) | -- |
Calculated EPS (Unit Curr.) | 0.97 | (5.50) | (7.40) | (7) |
Calculated EPS (Adj) (Unit Curr.) | 0.97 | (5.50) | (7.40) | (7) |
Calculated EPS (Ann.) (Unit Curr.) | 1.94 | (11) | (15) | (14) |
Calculated EPS (Adj) (Ann.) (Unit Curr.) | 1.94 | (11) | (15) | (14) |
Book Value (Unit Curr.) | 13.20 | -- | 30.40 | -- |
Dividend (%) | -- | -- | -- | -- |
Equity | 4,053 | 4,053 | 701 | 701 |
Reserve & Surplus | -- | -- | -- | -- |
Face Value | 10 | 10 | 10 | 10 |
Public Shareholding (No Of.Shares) | 118,735,354 | 118,735,354 | 118,735,354 | 118,735,354 |
Public Shareholding (% in Equity) | 2.93 | 2.93 | 16.90 | 16.90 |
(%) of shares held by GOI | 97.10 | -- | 83.10 | -- |
Pledged/Encumbered - No. of Shares | -- | -- | -- | -- |
Pledged/Encumbered - % in Total Promoters Holding | -- | -- | -- | -- |
Pledged/Encumbered - % in Total Equity | -- | -- | -- | -- |
Non Encumbered - No. of Shares | 3,933,932,610 | 3,933,932,610 | 582,317,742 | 582,317,742 |
Non Encumbered - % in Total Promoters Holding | 100 | 100 | 100 | 100 |
Non Encumbered - % in Total Equity | 97.10 | 97.10 | 83.10 | 83.10 |
PBIDTM(%) | 77.70 | (10) | 46.10 | 55.40 |
PBDTM(%) | 12.60 | (78) | (22) | (19) |
PATM(%) | 11.40 | (66) | (14) | (13) |
Capital Adequacy Ratio | -- | -- | -- | -- |
Tier I Capital | -- | -- | -- | -- |
Tier II Capital | -- | -- | -- | -- |
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