Financial Statements
Key Financial Ratios
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ConsolidatedStandalone
| 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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ConsolidatedStandalone
| 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 |
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| Y/e 31 Mar ( In .Cr) | Mar-2020 | Mar-2019 | Mar-2018 | Mar-2017 |
|---|---|---|---|---|
| Total cash & equivalents | 9,578 | 6,618 | 7,133 | 4,590 |
| Investments | 24,552 | 26,173 | 32,982 | 27,949 |
| Advances | 58,412 | 69,176 | 66,569 | 58,335 |
| Total int-earning assets | 92,542 | 101,967 | 106,684 | 90,873 |
| Fixed assets | 1,241 | 1,230 | 1,083 | 1,095 |
| Other assets | 6,813 | 5,867 | 6,056 | 4,727 |
| Total assets | 100,596 | 109,064 | 113,823 | 96,695 |
| Net worth | 5,596 | 5,701 | 6,183 | 6,142 |
| Deposits | 89,668 | 98,558 | 101,726 | 85,540 |
| Borrowings | 3,213 | 2,714 | 3,683 | 2,958 |
| Total int-bearing liabs | 92,881 | 101,272 | 105,409 | 88,499 |
| Non-int-bearing liabs | 2,119 | 2,091 | 2,231 | 2,054 |
| Total liabilities | 94,999 | 103,363 | 107,640 | 90,553 |
| Equity + Total liabilities | 100,596 | 109,064 | 113,823 | 96,695 |
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ConsolidatedStandalone
| Particulars ( Rupees In Crores.) | Mar-2021 | Dec-2020 | Sep-2020 | Jun-2020 |
|---|---|---|---|---|
| Interest Earned | 1,611 | 1,763 | 1,800 | 1,800 |
| Other Income | 330 | 219 | 199 | 154 |
| Total Income | 1,941 | 1,983 | 1,999 | 1,954 |
| Operating Expenses ** | 1,767 | 1,842 | 1,768 | 1,728 |
| Operating Profit Before Prov. & Cont. | 174 | 140 | 231 | 226 |
| Provisions & Contingencies | 4.38 | 2,925 | 864 | 383 |
| Depreciation | -- | -- | -- | -- |
| Provision For Taxes | 8.57 | (409) | (231) | (40) |
| Fringe Benefit Tax | -- | -- | -- | -- |
| Deferred Tax | -- | -- | -- | -- |
| Net Profit | 161 | (2,376) | (401) | (117) |
| Extra-ordinary Items | -- | -- | -- | -- |
| Adjusted Profit After Extra-ordinary item | 161 | (2,376) | (401) | (117) |
| EPS (Unit Curr.) | 1.67 | (34) | (5.70) | (1.70) |
| EPS (Adj) (Unit Curr.) | 1.67 | (34) | (5.70) | (1.70) |
| Calculated EPS (Unit Curr.) | 0.40 | (34) | (5.70) | (1.70) |
| Calculated EPS (Adj) (Unit Curr.) | 0.40 | (34) | (5.70) | (1.70) |
| Calculated EPS (Ann.) (Unit Curr.) | 1.59 | (136) | (23) | (6.70) |
| Calculated EPS (Adj) (Ann.) (Unit Curr.) | 1.59 | (136) | (23) | (6.70) |
| Book Value (Unit Curr.) | 12.70 | (11) | 32.40 | -- |
| Dividend (%) | -- | -- | -- | -- |
| Equity | 4,053 | 701 | 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 | 16.90 | 16.90 | 16.90 |
| (%) of shares held by GOI | 97.10 | 83.10 | 83.10 | 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 | 582,317,742 | 582,317,742 | 582,317,742 |
| Non Encumbered - % in Total Promoters Holding | 100 | 100 | 100 | 100 |
| Non Encumbered - % in Total Equity | 97.10 | 83.10 | 83.10 | 83.10 |
| PBIDTM(%) | 79.80 | (93) | 30.80 | 61.50 |
| PBDTM(%) | 10.50 | (158) | (35) | (8.70) |
| PATM(%) | 9.98 | (135) | (22) | (6.50) |
| Capital Adequacy Ratio | -- | -- | -- | -- |
| Tier I Capital | -- | -- | -- | -- |
| Tier II Capital | -- | -- | -- | -- |
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