download-pdfAnnual Report 2019-20

Standalone Financial Highlights 2019-2020

(₹ in crore)
FINANCIAL HIGHLIGHTS Swipe Left FY 2016  FY 2017  FY 2018  FY 2019  FY 2020
Deposits 138,643 157,426 192,643 225,880 262,821
Advances 118,665 136,082 169,718 205,695 219,748
Investments 51,260 45,074 64,562 71,189 75,052
Total Assets 192,260 214,590 264,933 312,172 360,252
Net Interest Income 6,863 8,079 9,472 11,206 13,500
Fee Income 1,801 2,168 2,825 3,444 3,779
Other Non Interest Income 848 1,356 1,288 1,213 1,593
Operating profit 4,041 5,985 7,158 8,348 10,021
Provisions and Contingencies 917 837 940 962 2,216
Tax Provision 1,034 1,737 2,134 2,520 1,858
Net Profit 2,090 3,411 4,084 4,865 5,947
KEY FINANCIAL INDICATORS
Net Interest Margins 4.3% 4.5% 4.3% 4.3% 4.6%
Cost to Income Ratio 58% 48% 47% 47% 47%
Return on Average Assets 1.2% 1.7% 1.7% 1.7% 1.9%
Fee / NII Plus other Income 18.9% 18.7% 20.8% 21.7% 20.0%
NII / NII Plus other Income 72.2% 69.6% 69.7% 70.6% 71.5%
Capital Adequacy Ratio 16.3% 16.8% 18.2% 17.5% 17.9%
Tier I 15.3% 15.9% 17.6% 16.9% 17.3%
Gross NPA Ratio 2.4% 2.6% 2.2% 2.1% 2.3%
Net NPA Ratio 1.1% 1.3% 1.0% 0.8% 0.7%

Note : Prior year amounts have been reclassified for consistency with the current year presentation.