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 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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Particulars ( Rupees In Crores.) Mar-2020 Mar-2019 Mar-2018 Mar-2017
Interest Earned 7,930 8,559 7,949 8,173
Other Income 897 828 581 578
Total Income 8,827 9,387 8,530 8,751
Operating Expenses ** 7,730 7,990 7,385 7,509
Operating Profit Before Prov. & Cont. 1,097 1,397 1,145 1,242
Provisions & Contingencies 2,619 2,256 1,740 991
Depreciation -- -- -- --
Provision For Taxes (532) (315) 149 49.40
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit (991) (543) (744) 201
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item (991) (543) (744) 201
EPS (Unit Curr.) (16) (9.60) (18) 5.02
EPS (Adj) (Unit Curr.) (16) (9.60) (18) 5.02
Calculated EPS (Unit Curr.)  (14) (9.60) (13) 5.02
Calculated EPS (Adj) (Unit Curr.) (14) (9.60) (13) 5.02
Calculated EPS (Ann.) (Unit Curr.)  (14) (9.60) (13) 5.02
Calculated EPS (Adj) (Ann.) (Unit Curr.)  (14) (9.60) (13) 5.02
Book Value (Unit Curr.) -- 64.70 -- --
Dividend (%) -- -- -- --
Equity 701 565 565 400
Reserve & Surplus  3,971 4,207 4,771 4,869
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  118,735,354 81,588,252 81,588,252 81,588,256
Public Shareholding (% in Equity) 16.90 14.40 14.40 20.40
(%) of shares held by GOI 83.10 85.60 85.60 79.60
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares 582,317,742 483,324,032 483,324,032 318,822,784
Non Encumbered - % in Total Promoters Holding 100 100 100 100
Non Encumbered - % in Total Equity 83.10 85.60 85.60 79.60
PBIDTM(%) 54.90 63.30 64.40 76.60
PBDTM(%) (19) (10) (7.50) 3.06
PATM(%) (12) (6.40) (9.40) 2.46
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --