Growth in deposits continue to drive loan growth
Strong operating performance
Well capitalised with adequate liquidity buffers
Retail book is well diversified, largely secured with high share of ETB & salaried customers
Snapshot (As on March 31st, 2020) (in ` Crores)
Profit & Loss | Absolute (in ` Crs) | YOY Growth | ||
---|---|---|---|---|
Q4FY20 | FY20 | Q4FY20 | FY20 | |
Net Interest Income | 0 | 0 | 0% | 0% |
Fee Income | 0 | 0 | (3%) | 0% |
Operating Expenses | 0 | 0 | 0% | 0% |
Operating Profit | 0 | 0 | 0% | 0% |
Profit Before Tax | (1,879) | 0 | - | (30%) |
Net Profit / (Loss) | (1,388) | 0 | - | (65%) |
Balance Sheet | Absolute (in ` Crs) | YOY Growth | ||
---|---|---|---|---|
FY20 | ||||
Total Assets | 0 | 0% | ||
Net Advances | 0 | 0% | ||
Total Deposits | 0 | 0% | ||
Shareholders' Funds | 0 | 0% |
Key Ratios | Absolute (in ` Crs) | YOY Growth |
---|---|---|
FY20 | FY19 | |
Diluted EPS* (in `) (Q4/12M) | (19.79) / 5.97 | 23.61 /18.09 |
Book Value per share (in `) | 0 | 0 |
ROA (in %) (Q4*/12M) | (0.62) / 0.2 | 0.78 / 0.63 |
ROE (in %) (Q4*/12M) | (7.08) / 2.34 | 10.30 / 8.09 |
Gross NPA Ratio | 0.86% | 0.26% |
Net NPA Ratio | 0.56% | 0.06% |
Basel III Tier I CAR | 0.49% | 0.54% |
Basel III Total CAR | 0.53% | 0.84% |
* Annualised
Strong operating performance:
Growth in Deposits continues to drive Loan growth:
Well capitalized with adequate liquidity buffers:
Business segments' performance:
Asset quality metrics improving, additional provisions held of `5,983 crores:
Among the top players in the digital space:
* PCR excluding technical write-offs