Financial Statements

Nine Monthly Results

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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.) Dec-2020 Dec-2019 Dec-2018 Dec-2017
Interest Earned 5,363 6,025 6,540 5,982
Other Income 573 512 542 425
Total Income 5,936 6,537 7,083 6,408
Operating Expenses ** 5,339 5,870 6,090 5,391
Operating Profit Before Prov. & Cont. 597 667 993 1,017
Provisions & Contingencies 4,171 1,801 1,822 1,136
Depreciation -- -- -- --
Provision For Taxes (680) (380) (344) 101
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit (2,894) (755) (485) (219)
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item (2,894) (755) (485) (219)
EPS (Unit Curr.) (41) (12) (8.60) (5.50)
EPS (Adj) (Unit Curr.) (41) (12) (8.60) (5.50)
Calculated EPS (Unit Curr.)  (41) (11) (8.60) (5.50)
Calculated EPS (Adj) (Unit Curr.) (41) (11) (8.60) (5.50)
Calculated EPS (Ann.) (Unit Curr.)  (55) (14) (11) (7.30)
Calculated EPS (Adj) (Ann.) (Unit Curr.)  (55) (14) (11) (7.30)
Book Value (Unit Curr.) (11) 48.50 67.90 --
Dividend (%) -- -- -- --
Equity 701 701 565 400
Reserve & Surplus  -- -- -- --
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  118,735,354 118,735,354 81,588,252 81,588,252
Public Shareholding (% in Equity) 16.90 16.90 14.40 20.40
(%) of shares held by GOI 83.10 83.10 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 582,317,742 582,317,742 483,324,032 318,822,775
Non Encumbered - % in Total Promoters Holding 100 100 100 100
Non Encumbered - % in Total Equity 83.10 83.10 85.60 79.60
PBIDTM(%) 0.42 55.40 59 68.60
PBDTM(%) (67) (19) (13) (2)
PATM(%) (54) (13) (7.40) (3.70)
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --
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