Total capital and liabilities increased by 38.38% from % 45.891.57 million as of December 31, 2019 to 2 63,504.09 million as
of December 31, 2020, primarily due to increase in deposits, borrowings and net worth (comprising capital, reserves and
surplus).

Total capital and liabilities increased by 42.63% from % 37,612.03 million as of March 31, 2019 to = 53,645.22 million as of
March 31, 2020, and by 74.46% from = 21,559.64 million as of March 31, 2018 to = 37,612.03 million as of March 31, 2019,
primarily due to increase in deposits and net worth (comprising capital, reserves and surplus).

Deposits

The following table sets forth a breakdown of our Bank’s deposits, as well as the percentage of total deposits that each item
contributes, as of the dates indicated:

 

 

 

 

 

 

 

 

 

 

 

 

As of March 31, As of December 31,
2018 2019 2020 2019 2020
Amount | Percenta | Amount | Percenta | Amount | Percenta | Amount | Percenta | Amount | Percenta
Gmillio | geof | (millio | geof | (@millio | geof | (millio | geof | (millio | geof
n) total n) total n) total n) total n) total
deposits deposits deposits deposits deposits
(%) (%) (%) (%) (%)
Demand Deposits
fom aap 0.04% | 116.17 0.73% | 267.28 0.94% | 119.14 | 0.48% | 221.07 | 0.66%
oom er 1.91% | 344.46 2.16% | 318.71 1.12% | 190.6 0.77% | 275.61 | 0.82%
Saving
Pesca ' 9.08% | 1,331.82 8.36% | 2,674.54 9.39% | 2,663.53 | 10.69% | 3,957.23 | 11.83%
s 680.53
‘Term Deposits
( from , 12,2545 10,984.0 :
banks | 4,016.00 | _53:58% | 6,136.94 | 38.51% | 43.01% 6 44.09% | 9,938.68 | 29.72%
(ii) from 12,972.1 10,956.2 19,045.8
others. | 2,652.53 | 35:39% | 8,004.86 | 50.24% | 45.54% 4 43.98% i 56.96%
Total oy, | 15,934.2 oy, | 284871 yy, | 249135 yy, | 334384 5
7495.22 | 100.00% 5 | 100.00% 5 | 10.00% 5 100.00% ° 100.00%

 

 

 

 

 

 

 

 

 

 

 

 

Deposits mainly comprise term deposits, savings bank deposits and demand deposits.

Deposits increased by 34.22% from % 24,913.57 million as of December 31, 2019 to = 33,438.40 million as of December 31,
2020, mainly due to increase in our network of Banking Outlets, comprising owned and business correspondents Banking
Outlets.

Deposits increased by 78.78% from = 15,934.25 million as of March 31, 2019 to = 28,487.15 million as of March 31, 2020,
mainly due to increase in our network of Banking Outlets, comprising owned and business correspondents Banking Outlets.
Deposits increased significantly from = 7,495.22 million as of March 31, 2018 to % 15,934.25 million as of March 31, 2019 due
to increase in our network of Banking Outlets.

Borrowings

Borrowings primarily comprise borrowings from the RBI, other banks, other institutions and agencies, tier 2 capital in the form
of unsecured redeemable debentures and term loans, and non-convertible debentures.

Our borrowings increased by 67.67% from 8,869.30 million as of December 31, 2019 to = 14,870.79 million as of December
31, 2020, primarily attributable to an increase in borrowings from refinancing institutions from = 7,244.50 million as of
December 31, 2019 to = 11,226.00 million as of December 31, 2020.

Our borrowings increased by 12.49% from = 11,242.28 million as of March 31, 2019 to = 12,646.15 million as of March 31,
2020, primarily attributable to an increase in borrowings from refinancing institutions from = 10,003.50 million as of March
31, 2019 to = 10,690.50 million as of March 31, 2020.

Our borrowings increased by 56.61% from 2 7,178.32 million as of March 31, 2018 to 211,242.28 million as of March 31,
2019, primarily attributable to an increase in borrowings from refinancing institutions from % 1,921.97 million as of March 31,

327
