 

 

 

 

 

 

 

 

 

 

 

 

 

Year ended March 31,
2018 2019 2020
(& million, except percentages)
xvii. Net Interest Margin®) 10.40% 12.80% 11.92%
xviii. Other income to Total income Ratio”) 11.71% 11.21% 10.24%
xix. Credit Cost") 4.55% 2.12% 2.06%
xx. Cost of Borrowings”) 11.84% 9.88% 9.18%
Notes:
(1) Total Average Interest Earning Assets are interest-earning assets calculated on the basis of quarterly average.
(2) 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.
(4) Net Interest Income is difference of interest earned and interest expended.
(8) Yield on Interest Earning Assets is interest earned divided by Total Average Interest Earning Assets.
(6) _ Yield on Gross Loan Portfolio is interest on advance divided by Average Balance of Gross Loan Portfolio.
(7) Cost of Funds is interest expended divided by Total Average Interest Bearing Liabilities calculated on the basis of quarterly average.
(8) Spread is difference between Yield on Gross Loan Portfolio and Cost of Funds.
(9) 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 Imterest on RBI/inter-bank borrowings and other interest to the Average Balance of Borrowings.

Financial Ratios of our Bank

The following table sets forth certain key financial indicators as of and for Fiscal 2018, 2019 and 2020 and as of and for
the nine months ended December 31, 2019 and 2020, for our Bank.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of and for the Nine Months
ended December 31,
2019 2020
17.62%* 6.32%*
Net profit as a percentage of Average Shareholders” Equity)” [13.22%] [4.74%]
4,03%* 1.24%*
Return on Total Average Assets®)* [3.02%] [0.93%]
Dividend Payout Ratio®** NA NA
5.99%* 5.22%*
Operating Expenses to Total Average Assets [4.49%] [3.91%]
Average Shareholders’ Equity to Total Average Assets 22.87% 19.57%
Credit to Deposit ratio® 242.52% 162.46%
Retail Term Deposit to Total Term Deposit Ratio 45.30% 68.16%
CASA Ratio® 11.93% 13.32%
Cost to Income Ratio”) 44.40% 55.39%
*Annualized. Figures in square brackets represent unannualized figures
Notes:
(1) Return on Average Shareholders’ Equity is the ratio of the Net profit for the year to the Average Shareholders’ Equity (sum of quarterly
average of Capital & Reserves and Surplus).
(2) Return on Total Average Assets is the ratio of the Net profit for the year to the Total Average Assets.
(3) Dividend Payout Ratio is the ratio of dividend to adjusted net profit (after dividend tax).
(4) Average Shareholders’ Equity to Total Average Assets is computed by dividing the sum of Average Balance of Capital & Average Balance of
Reserves and Surplus by the Total Average Assets.
(5) Credit to Deposit Ratio is computed by dividing Advances excluding advances to banks by Deposits excluding deposits from banks.
(6) CASA Ratio is the ratio of the sum of Demand Deposits and Savings Bank Deposits to total deposits.
(7) Cost to Income Ratio is calculated as a ratio of operating expenses divided by net operating income (net operating income is sum of net interest

income and other income).

 

 

 

 

 

 

 

 

 

 

 

# Dividend payout ratio is not applicable as we did not declare any dividend on our Equity Shares.
‘As of and for the year ended March 31,
2018 2019 2020
Net profit as a percentage of Average Shareholders’ Equity 2.25% 14.77% 11.27%
Return on Total Average Assets” 0.67% 3.17% 2.53%
Dividend Payout Ratio? NA. NA. NA.
Operating Expenses to Total Average Assets 7.67% 6.70% 6.20%
Average Shareholders” Equity to Total Average Assets 29.86% 21.49% 22.48%
Credit to Deposit ratio® 451.27% 276.78% 20.51%
Retail Term Deposit to Total Term Deposit Ratio 33.92% 35.67% 48.55%
CASA Ratio® 11.03% 11.25% 11.45%
Cost to Income Ratio™ 64.44% 46.83% 47.05%

 

 

 

 

 

 

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