FINANCIAL AND GEOGRAPHICAL INFORMATION
Major Financial Data
| Rs. In Million | |||||
|---|---|---|---|---|---|
| Parameter | 2017-18 | 2018-19 | 2019-20 | 2020-21 | |
|
Parameters |
|
2017-18 |
2018-19 |
2019-20 |
2020-21 |
|
Interest income |
|
32504.92 |
32244.57 |
34661.12 |
36090.54 |
|
Profit after tax (PAT) |
|
2219.16 |
2585.80 |
4076.93 |
6033.29 |
|
Advances growth % (avg) |
|
8.18% |
11.44% |
4.64% |
12.10% |
|
Deposit growth % (avg) |
|
0.74% |
8.35% |
4.81% |
11.26% |
|
Advances yield (%) YoY |
|
10.57% |
10.09% |
10.19% |
9.65% |
|
Cost of Deposit (%) YoY |
|
6.47% |
6.29% |
6.27% |
5.49% |
|
Net interest Margin (NIM) (%) |
|
3.61% |
3.65% |
3.64% |
3.77% |
|
Cost to income ratio |
|
41.37% |
46.23% |
46.10% |
44.90% |
|
Return on Assets (ROA) |
|
0.59% |
0.68% |
0.99% |
1.34% |
|
Average ROA for past 3 years |
|
0.89% |
0.71% |
0.75% |
1.00% |
|
Return on Equity (ROE) |
|
6.70% |
7.36% |
10.73% |
13.99% |
|
Average ROE for past 3 years |
|
10.45% |
8.11% |
8.26% |
10.69% |
|
Gross Non-Performing Assets |
|
3.60% |
4.32% |
3.62% |
3.44% |
|
Net Non-Performing Assets |
|
2.16% |
2.40% |
1.80% |
1.98% |
|
Provision Coverage Ratio |
|
72.71% |
73.61% |
80.75% |
79.53% |