 

 

 

 

 

 

 

 

 

 

 

 

As of December 31,
2019 2020
%)

i, Borrowings 8,869.30 14,870.79
ii. Average Balance of Borrowings 10,058.61 14,560.36
iii, Interest on RBI/Inter-bank borrowings and Other interest 730.10 935.07
9.68%" 8.56%"

iv. Cost of Borrowings" (iii/ii) [7.26%] [6.42%]
15.36%" 1L.61%*

v. Average cost of subordinated debt”) [11.52%] [8.719%]
9.55%" 8.65%"

vi. Cost of average refinance borrowings”) [7.16%] [6.49%]

 

 

*Annualized. Figures in square brackets represent unannualized figures

Notes:

(1) Represents the ratio of interest on RBI/inter-bank borrowings and other interest to the Average Balance of Borrowings.
(2) Average cost of subordinated debt represents the ratio of interest expended on subordinated to average subordinated debt calculated on the

basis of quarterly average.

(3) Cost of average refinance borrowings represents the ratio of interest expended on refinance borrowings to average refinance borrowings

calculated on the basis of quarterly average.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Year ended March 31,
2018 2019 2020
million, except percentages)
i. Borrowings 7,178.32 11,242.28 12,646.15
ii, Average Balance of Borrowings 8,159.67 10,812.69 10,233.39
iii, Interest on RBI/Inter-bank borrowings and Other interest 966.25 1,068.19 939.50
iv. Cost of Borrowings” (iii/ii) 11.84% 9.88% 9.18%
v. Average cost of subordinated debt”) 10.99% 15.32% 15.30%
vi. Cost of average refinance borrowings 8.89% 9.00% 9.12%
Notes:
(1) Represents the ratio of interest on RBI/inter-bank borrowings and other interest to the Average Balance of Borrowings.
(2) Average cost of subordinated debt represents the ratio of interest expended on subordinated to average subordinated debt calculated on the
basis of quarterly average.
(3) Cost of average refinance borrowings represents the ratio of interest expended on refinance borrowings to average refinance borrowings
calculated on the basis of quarterly average.
‘As of December 31,
2019 2020
% of % of
Amount Total Amount Total
@ million, except percentages)
[A] Deposits
Demand Deposits 309.74 0.92% 496.68 1.03%
Savings Bank Deposits 2,663.53 7.88% 3,957.23 8.19%
Term Deposits 21,940.30 64.95% 28,984.49 60.00%
Total [A] 24,913.57 73.75% 33,438.40 69.22%
[B] Borrowings
Reserve Bank of India - 0.00% : 0.00%
Other banks 8.52 0.03% - 0.00%
Other institutions and agencies 8,210.78 24.30% 13,470.79 27.88%
Tier Il Capital (Non-convertible debentures) 600.00 1.78% 1,400.00 2.90%
Bonds and Debentures (excluding subordinated debt) 50.00 0.15% - 0.00%
Total [B] 8,869.30 26.25% 14,870.79 30.78%
Total [A + B] 33,782.87 100.00% 48,309.19 100.00%
‘As of March 31,
2018 2019 2020
% of % of % of
Amount Total Amount Total Amount Total
@ million, except percentages)
[A] Deposits
Demand Deposits 146.16 1.11% 460.63 1.72% 585.99 1.42%
Savings Bank Deposits 680.53 5.17% 1,331.82 4.96% 2,674.54 6.50%
Term Deposits 6,668.53 50.68% 14,141.80 | 52.72% | 25,226.62 | 61.34%
Total [A] 7,495.22 56.96% | 15,934.25 | 59.40% | 28,487.15 | 69.26%
[B] Borrowings
Reserve Bank of India 200.00 1.52% : 0.00% 540.00 1.31%

 

 

 

 

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