 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Nine Months ended December 31,
2019 2020
@ million, except percentages)
x. Average Balance of Advances as a percentage of Total 72.16% 60.01%
Average Assets [vi/viii]
xi. Total Average Interest Bearing Liabilities as a percentage 72.79% 75.91%
of Total Average Assets [vii/viii]
xii. Average Balance of Advances as a percentage of Total 99.14% 79.05%
Average Interest-Bearing Liabilities [vi/vii]
xiii, Yield on Interest Earning Assets” 19.18%" 15.00%*
(14.38%) (11.25%)
xiv. Yield on Gross Loan Portfolio ~ 21.05%" 19.76%"
[15.79%] [14.82%]
xv. Cost of Funds” 8.83%" 8.05%"
[6.62%] [6.04%]
xvi. Spread®* 12.22%" 11.71%"
[9.17%] [8.78%]
xvii. Net Interest Margin® 12.30%* 8.49%"
[9.22%] [6.36%]
Xvili. Other income to Total income Ratio@™)* 13.44%" 12.56%"
[10.08%] [9.42%]
xix. Credit Cost™™ 2.15%* 1.54%"
[1.61%] [1.15%]
Xx. Cost of Borrowings™ 9.68%" 8.56%"
[7.26%] [6.42%]

 

 

 

 

“Annualized. Figures in square brackets represent unannualized figures

Notes:
MD
2)
(3)
4
()
(6)
”
(8)
(9)

Total Average Interest Earning Assets are interest-earning assets calculated on the basis of quarterly average.

Total Average Interest Bearing Liabilities are interest-bearing liabilities calculated on the basis of quarterly average.

Total Average Assets are total assets calculated on the basis of quarterly average.

Net Interest Income is difference of interest earned and interest expended.

Yield on Interest Earning Assets is interest earned divided by Total Average Interest Earning Assets.

Yield on Gross Loan Portfolio is interest on advance divided by Average Balance of Gross Loan Portfolio.

Cost of Funds is interest expended divided by Total Average Interest Bearing Liabilities calculated on the basis of quarterly average.
Spread is difference between Yield on Gross Loan Portfolio and Cost of Funds.

Net Interest Margin is the difference of interest earned and interest expended divided by the Total Average Interest Earning Assets calculated
on the basis of quarterly average.

(10) Other income to Total income Ratio is calculated as a ratio of other income divided by Total income (total of Interest earned and Other

income).

(11) Credit Cost divided by Average Balance of Advances. Credit cost includes provision made for standard assets and NPAs and technical/

prudential write off and excludes credit cost for securitized assets.

(12) Represents the ratio of Interest on RBV/inter-bank borrowings and other interest to the Average Balance of Borrowings.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

‘Year ended March 31,
2018 2019 2020
million, except percentages)

i, Interest on advances 2,580.43 4,932.89 7,022.74
ii, Total Interest Income 2,868.82 5,301.07 7,666.85
iii, Interest expense 1,210.52 1,897.33 2,757.80
iv. Total Average Interest Earning Assets") 15,944.29 26,598.36 41,178.61
v. Average Balance of Gross Loan Portfolio 12,259.53 23,213.20 34,070.31
vi. Average Balance of Advances 11,437.88 21,069.30 31,299.09
vii. Total Average Interest Bearing Liabilities” 11,303.39 21,098.58 32,244.87
viii. Total Average Assets) 17,127.99 28,476.37 43,874.88
ix. _Net Interest Income 1,658.30 3,403.74 4,909.05
x. Average Balance of Advances as a percentage of Total 66.78% 73.99% 71.34%

Average Assets [vi/viii]
xi. Total Average Interest Bearing Liabilities as a percentage 65.99% 74.09% 73.49%
of Total Average Assets [vii/viii]
xii. Average Balance of Advances as a percentage of Total 101.19% 99.86% 97.07%
Average Interest-Bearing Liabilities [vi/vii]
xiii, Yield on Interest Earning Assets®) 17.99% 19.93% 18.62%
xiv. Yield on Gross Loan Portfolio 21.41% 21.78% 20.93%
xv. Cost of Funds 10.71% 8.99% 8.55%
xvi. Spread®) 10.70% 12.79% 12.38%

 

215
