download-pdfAnnual Report 2019-20

Consolidated Financial Highlights 2019-2020

(₹ in crore)
FINANCIAL HIGHLIGHTS Swipe Left FY 2016  FY 2017  FY 2018  FY 2019  FY 2020
Advances 144,793 167,125 205,997 243,462 249,879
Investments* 55,304 49,974 68,741 76,858 81,334
Total Assets 240,804 276,188 337,720 395,171 443,173
Net Profit 3,459 4,940 6,201 7,204 8,593
Net Profit
KEY FINANCIAL INDICATORS
Net Interest Margin (NIM)^ 4.4% 4.5% 4.3% 4.2% 4.6%
Return on Average Assets (RoAA) 1.6% 2.0% 2.0% 2.0% 2.1%
Book Value Per Share (₹) 182 209 265 303 348
Earnings Per Share (EPS) Face Value ₹ 5 per share 18.9 26.9 32.7 37.6 44.7
Return on Equity (RoE) 11.0% 13.8% 13.5% 13.3% 13.7%
Capital Adequacy Ratio 17.0% 17.2% 18.4% 17.9% 19.8%
Gross NPA (₹ crore) 3,017 3,804 4,071 4,789 5,488
Net NPA (₹ crore) 1,353 1,814 1,769 1,696 1,745
Gross NPA Ratio 2.1% 2.2% 2.0% 1.9% 2.2%
Net NPA Ratio 0.9% 1.1% 0.9% 0.7% 0.7%

*Excludes Policyholders’ investments

^ For FY 2018, FY 2019 and FY 2020, excluding dividend and interest on income tax refunds. Adjusted for reclassification of prepayment interest and account foreclosure charges from interest income to other income.

MARKET RELATED RATIOS FY 2016  FY 2017  FY 2018  FY 2019  FY 2020
Market Price (₹) 681 872 1,048 1,335 1,296
Market Capitalisation (₹ crore) 124,857 160,563 199,674 254,723 247,939
Price to Book Ratio 3.7 4.2 4.0 4.4 3.7
Price to Earnings Ratio 36.1 32.5 32.1 35.5 29.0