 

As of and for the nine months

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ended December 31,
As of and for the year ended March 31,
2018 2019 2020 2019 2020
@ million, except percentages)
‘Common Equity Tier I Capital 5,236.59 8,519.38 10,104.45 10,442.62 11,176.55
Tier I Capital 5,236.59 8,519.38 10,104.45 10,442.62 11,176.55
Tier II Capital 410.25 343.71 336.86 268.44 1,280.96
Total Capital 5,646.83 8,863.09 10,441.31 10,711.06 12,457.51
Total Risk Weighted Assets 13,012.21 22,035.82 29,461.55 26,363.53 30,256.56
Capital Adequacy Ratio
Common Equity Tier I Capital Ratio 40.25% 38.66% 34.30% 39.61% 36.94%
(as a percentage of Risk Weighted
Assets)
Tier I Capital Ratio (as a percentage of 40.25% 38.66% 34.30% 39.61% 36.94%
Risk Weighted Assets)
Tier II Capital Ratio (as a percentage of 3.15% 1.56% 1.14% 1.02% 4.23%
Risk Weighted Assets)
Total Capital to Risk Weighted Asset 43.40% 40.22% 35.44% 40.63% 41.17%
Ratio (CRAR) (as a percentage of
Credit Risk Weighted Assets)
CREDIT RATING
The following table sets forth our credit ratings:
Particulars/ Instrument Amount @million) Rating Rating Agency
Secured non-convertible debentures 50.00 A(Stable) ICRA
Subordinate debt 500.00 A(Stable) ICRA
Certificate of deposit 1,300.00 Al+ ICRA and CRISIL

 

 

 

 

 

INDEBTEDNESS

As of December 31, 2020, our total borrowings were 2 14,870.79 million (with long-term borrowings (including current
maturity) of = 12,626.00 million and short-term borrowings of = 2,244.79 million) representing a Debt Equity Ratio (calculated
as deposits plus borrowings divided by net worth) of 4.06. As of January 31, 2020, our total borrowings were = 18,048.84
million. For further information regarding our indebtedness, see “Financial Information” and “Financial Indebtedness”
beginning on pages 241 and 303, respectively.

The following table sets forth certain information relating to our outstanding indebtedness as of December 31, 2020, and our
repayment obligations in the periods indicated:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2020
Payment due by period
Particulars @miillion)
Total Not ee 1 1-3 years 3S years More than 5 years

Long Term Borrowings

‘Term Loan (unsecured) 0.00 0.00 0.00 0.00 0.00
Teim Loan (secured) 0.00 0.00 0.00 0.00 0.00
NCD (secured) 0.00 0.00 0.00 0.00 0.00
Refinance (Secured) 0.00 0.00 0.00 0.00 0.00
Refinance (Unsecured) 11,226.00 5,312.60 4,286.15 1,627.25 0.00
Subordinate Debt 1,400.00 150.00 250.00 0.00 1,000.00
(unsecured)

Total long-term 12,626.00 5,462.60 4,536.15 1,627.25 1,000.00
borrowings

Short Term Borrowings

‘Term Money (unsecured) 0.00 0.00 0.00 0.00 0.00
Repo 2,244.79 2,244.79 0.00 0.00 0.00
Total. heen 2,244.79 2,244.79 0.00 0.00 0.00
Borrowings

Borrowings 14,870.79 7,707.39 4536.15 1,627.25 1,000.00

 

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