Financial Statements

Annually 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 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-2021 Mar-2020 Mar-2019 Mar-2018
Total cash & equivalents 84,410 55,106 43,046 49,441
Investments 331,512 152,414 126,047 123,754
Advances 590,983 315,049 296,932 288,761
Total int-earning assets 1,006,905 522,570 466,025 461,956
Fixed assets 7,344 4,763 3,762 3,833
Other assets 60,724 25,640 26,765 24,288
Total assets 1,074,973 552,972 496,552 490,078
Net worth 64,477 33,786 26,487 25,097
Deposits 923,805 450,668 415,915 408,502
Borrowings 51,837 52,486 42,864 45,681
Total int-bearing liabs 975,642 503,155 458,779 454,182
Non-int-bearing liabs 34,854 16,032 11,286 10,798
Total liabilities 1,010,496 519,186 470,065 464,981
Equity + Total liabilities 1,074,973 552,972 496,552 490,078
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Particulars ( Rupees In Crores.) Mar-2021 Mar-2020 Mar-2019 Mar-2018
Interest Earned 68,767 37,231 34,067 32,748
Other Income 11,337 5,261 4,474 4,990
Total Income 80,104 42,492 38,541 37,738
Operating Expenses ** 60,845 35,821 31,019 30,098
Operating Profit Before Prov. & Cont. 19,259 6,671 7,521 7,640
Provisions & Contingencies 16,860 10,699 11,448 14,281
Depreciation -- -- -- --
Provision For Taxes (507) (1,130) (979) (1,394)
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 2,906 (2,898) (2,947) (5,247)
Extra-ordinary Items -- (2,510) -- --
Adjusted Profit After Extra-ordinary item 2,906 (388) (2,947) (5,247)
EPS (Unit Curr.) 4.54 (12) (25) (69)
EPS (Adj) (Unit Curr.) 4.54 (12) (25) (69)
Calculated EPS (Unit Curr.)  4.54 (8.50) (17) (45)
Calculated EPS (Adj) (Unit Curr.) 4.54 (8.50) (17) (45)
Calculated EPS (Ann.) (Unit Curr.)  4.54 (8.50) (17) (45)
Calculated EPS (Adj) (Ann.) (Unit Curr.)  4.54 (8.50) (17) (45)
Book Value (Unit Curr.) 67.90 67.60 107 157
Dividend (%) -- -- -- --
Equity 6,407 3,423 1,763 1,169
Reserve & Surplus  27,189 22,489 22,489 21,586
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI 89.10 86.80 74.30 67.40
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(%) 67.60 58.50 58.50 51.30
PBDTM(%) 3.49 (11) (12) (20)
PATM(%) 4.23 (7.80) (8.70) (16)
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --
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