 

Nine Months Ended

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

2019 2020
Average Interest Cost of Average Interest Cost of
Balance) Expended | Funds(%) | Balance Expended | Funds (%)
D E F=E/D G H I=H/G
million, except percentages)
Interest-Bearing Liabilities:
i. Demand Deposit 269.71 - 0.00% 494.86 - 0.00%
ii. Saving Banks 1,933.52 102.02 7.04%* 3,087.48 127.66 5.51%*
Deposit [5.28%] [4.13%]
iii. Term Deposits 18,245.30 1,188.71 8.69%* 26,766.27 1,647.99 8.21%*
[6.52%] [6.16%]
20,448.53 1,290.73 8.42%* 30,348.61 1,775.65 7.80%*
i) [6.31%] [5.85%]
v. Borrowings 10,058.61 730.10 9.68%* 14,560.36 935.07 8.56%*
[7.26%] [6.42%]
Total 30,507.14 2,020.83 8.83%* 44,908.97 2,710.72 8.05%*
[6.62%] [6.04%]
Non-Interest Bearing Liabilities:
vi._ Capital 824.54 5 0.00% 886.67 0.00%
vii. Reserves & Surplus 8,758.83 s 0.00% 10,689.11 0.00%
a (Shareholders 9,583.37 0.00% 11,575.78 0.00%
equity (vi + vii)
ix. Other liabilities & 1,819.89 . 0.00% 2,675.80 0.00%
Provision
Total 11,403.26 z 0.00% 14,251.58 0.00%

 

*Annualized. Figures in square brackets represent unannualized figures

Notes:

(1) Average balances are the quarterly averages as of April 1, June 30, September 30, December 31 and March 31 of each relevant year.

(2) Includes balances with Reserve Bank of India in other accounts, balances with banks in other deposit accounts, money at call and short notice.

(3) Interest earned on advances include interest on advances and gain on securitization and direct assignment transactions. Interest earned on others
includes interest on balance with RBI, inter-bank and other funds.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

‘Year ended March 31,
2018 2019 2020
Average | Interest | Yield | Average | Interest | Yield | Average | Interest | Yield
Balance) | Earned® | (%) | Balance) | Earned® | (%) | Balance | Earned® | (%)
A B C=B/A D E F=E/D G H IEH/G
@illion, except percentages)
Interest Earning Assets:
i, Advances 11,437.88 | 2,580.43 | 22.56% | 21,069.30 | 4,932.89 [23.41% | 31,299.09 [ 7,022.74 | 22.44%
ii, Investments | 3,592.14 | 223.80 | 6.23% | 4,748.23 | 337.23 | 7.10% | 7,557.68 | 52851 | 6.99%
iii, Others® 914.27 64.59 | 7.06% | 780.82 30.95 | 3.96% | 2,321.84 | 115.60 | 4.98%
Total 15,944.29 | 2,868.82 | 17.99% | 26,598.35 | 5,301.07 | 19.93% | 41,178.61 | 7,666.85 | 18.62%
Non-Interest Earning Assets:
iv. Fixed assets 124.10 - = 141.75 : 2 257.35 2 -
Vv. Other assets | 1,059.60 - - 1,736.26 - - 2,438.92 - -
Total 1,183.70 = - 1,878.01 : = 2,696.27 = Z
Year ended March 31,
2018 2019 2020
‘Average | Interest | Cost | Average | Interest | Cost | Average | Interest | Cost
Balance | Expende | of | Balance? | Expende | of | Balance | Expende | of
) d Funds ) d Funds ) d Funds
A B (%) D E (%) G H (%)
C=B/A F=E/ I-H/
D G

 

 

 

 

@nillion, except percentages)

 

 

 

 

212

 
