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 32,660 32,199 32,084 29,349
Interest expense (23,757) (23,886) (23,640) (21,470)
Net interest income 8,903 8,313 8,444 7,879
Non-interest income 4,965 3,632 3,523 2,822
Total op income 13,868 11,945 11,967 10,701
Total op expenses (6,438) (6,302) (6,143) (5,483)
Op profit (pre-prov) 7,430 5,643 5,823 5,218
Provisions (7,079) (3,877) (3,040) (3,151)
Exceptionals -- -- -- --
Profit before tax 351 1,765 2,783 2,067
Taxes 204 (414) (1,002) (371)
Net profit 555 1,352 1,782 1,696
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Y/e 31 Mar ( In .Cr) Mar-2020 Mar-2019 Mar-2018 Mar-2017
Total cash & equivalents 55,106 43,046 49,441 32,823
Investments 152,414 126,047 123,754 112,149
Advances 315,049 296,932 288,761 286,467
Total int-earning assets 522,570 466,025 461,956 431,438
Fixed assets 4,763 3,762 3,833 3,894
Other assets 25,640 26,765 24,288 18,348
Total assets 552,972 496,552 490,078 453,680
Net worth 33,786 26,487 25,097 23,976
Deposits 450,668 415,915 408,502 375,899
Borrowings 52,486 42,864 45,681 41,226
Total int-bearing liabs 503,155 458,779 454,182 417,125
Non-int-bearing liabs 16,032 11,286 10,798 12,579
Total liabilities 519,186 470,065 464,981 429,704
Equity + Total liabilities 552,972 496,552 490,078 453,680
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Particulars ( Rupees In Crores.) Jun-2020 Mar-2020 Dec-2019 Sep-2019
Interest Earned 18,429 9,289 9,631 9,413
Other Income 1,462 2,018 1,110 1,143
Total Income 19,891 11,307 10,741 10,557
Operating Expenses ** 15,857 11,164 8,340 8,316
Operating Profit Before Prov. & Cont. 4,034 143 2,401 2,241
Provisions & Contingencies 3,556 3,502 1,819 3,859
Depreciation -- -- -- --
Provision For Taxes 146 (856) 7.87 (425)
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 333 (2,503) 575 (1,194)
Extra-ordinary Items -- (2,510) -- --
Adjusted Profit After Extra-ordinary item 333 6.80 575 (1,194)
EPS (Unit Curr.) 0.52 (7.30) 2.46 (6.80)
EPS (Adj) (Unit Curr.) 0.52 (7.30) 2.46 (6.80)
Calculated EPS (Unit Curr.)  0.52 (7.30) 1.68 (6.80)
Calculated EPS (Adj) (Unit Curr.) 0.52 (7.30) 1.68 (6.80)
Calculated EPS (Ann.) (Unit Curr.)  2.08 (29) 6.71 (27)
Calculated EPS (Adj) (Ann.) (Unit Curr.)  2.08 (29) 6.71 (27)
Book Value (Unit Curr.) 62.90 67.60 85.70 96.90
Dividend (%) -- -- -- --
Equity 6,407 3,423 3,423 1,763
Reserve & Surplus  -- -- -- --
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI 89.10 86.80 86.80 74.30
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(%) 67.80 32.90 73.50 51.90
PBDTM(%) 2.60 (36) 6.05 (17)
PATM(%) 1.81 (27) 5.97 (13)
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --