 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest-Bearing Liabilities:
i Demand 28.21 - = 142.33 = 7 314.25 * -
Deposit
ub Be 257.33 16.29 6.33% | 933.30 62.33 | 6.68% | 2,117.40 | 148.84 | 7.03%
iii, Term - 7
Depek 2,858.18 | 22798 | 7.98% | 9,210.26 | 766.81 | 8.33% | 19,579.84 | 1,669.46 | 8.53%
iv. Total
Deposits 3,143.72 | 244.27 | 7.77% | 10,285.89 | 829.14 | 8.06% | 22,011.49 | 1,818.30 | 8.26%
(i+ii+iii)
v. Borrowings | 8,159.67 | 966.25 a 10,812.69 | 1,068.19 | 9.88% | 10,233.39 | 939.50 | 9.18%
Total 11,303.39 | 1,210.52 2 21,098.58 | 1,897.33 | 8.99% | 32,244.87 | 2,757.80 | 8.55%
Non-Interest Bearing Liabilities:
vi._ Capital 653.55 = = 693.35 : : 834.54 : =
nals Reserves & 1 4,461.00 x “ 5,426.95 . 7 9,029.93 < «
wurplus
iii, Shareholders
> equity (vi + | 5,114.55 - * 6,120.30 7 9,864.47 : :
vii)
ix. Other
liabilities & | 710.06 « “ 1,257.49 - - 1,765.55 : *
Provision
Total 5,824.61 = = 7,377.19 : = | 11,630.01 : =
Notes:
(1) Average balances are the year to date 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.

Analysis of Changes in Interest Income and Interest Expense by Volume and Rate

The following tables sets forth, for the periods indicated, details of our Bank’s interest income, interest expense and Net
Interest Income and the allocation of the changes in our Bank’s interest income and interest expense between average
volume and changes in average rates. The changes in Net Interest Income between periods have been reflected as
attributed either to volume or rate changes. For the purposes of these tables, changes that are due to both volume and rate
have been allocated solely to changes in rate.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Income
‘Advances 286.66 896.11 (609.45)
Investments 210.09 312.36 (102.27)
Others 114.59 277.94 (163.35)
Total interest-earning assets 611.34 2,350.00 (4,738.66)
Interest Expense
Deposits® 484,92 624.90 (139.98)
Borrowings 204.97 326.76 (121.79)
Total interest-bearing liabilities 689.89 953.99 (264.10)
Net Interest Income (78.55) 1,396.01 (1,474.56)
Notes:
(1) The changes in interest earned, interest expended and net interest income between periods have been reflected as attributed either to volume
or rate changes. For purposes of this table, changes that are due to both volume and rate have been allocated solely to changes in rate.
(2) Change in average volume is computed as increase in average balances for the year multiplied by yield/cost for nine months ended 31 December
2019.
(3) Change in average rate represents the average balance for nine months ended 31 December 2020 multiplied by change in rates during the
respective periods during the relevant period.
# Deposits include saving deposits, current deposits and term deposits.

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