PROFITABILITY ANALYSIS

Mar-18 Mar-17 Mar-16

in Rs. Cr. in Rs. Cr. in Rs. Cr.

1 Total Assets ### 863,840.20 708,845.57
2 Earning Assets
Balances with RBI 104,670.47 37,896.88 30,058.31
Balances with Banks & money at Call & Short Notice 18,244.61 11,055.22 8,860.53
Investments + 242,200.24 214,463.34 163,885.77
Advances + 658,333.09 554,568.20 464,593.96
Total Earning Assets 1023448.41 817983.64 667398.57
Fixed Assets 3,607.20 3,626.74 3,343.16
Other Assets 36,878.70 42,229.82 38,103.84
3 Interest bearing Liabilities
Saving,Term & Other Deposits 788,770.64 643,639.66 546,424.19
Borrowings 123,104.97 74,028.87 53,018.47
Subordinated Debt 45,763.72 56,709.32 36,725.13
Total Interest bearing liabilities 957639.33 774377.85 636167.79

Equity Capital 519.02 512.51 505.64

Reserves 105,775.98 88,949.84 72,172.13
Total Equity 106295.00 89462.35 72677.77
5 Interest Income 85,287.84 73,271.35 63,161.56
6 Interest Expenditure 42,381.48 38,041.58 34,069.57
10 Non-interest operating income 16,056.60 12,877.63 11,211.65
11 Non-interest operating Expenditure 40402.13 32820.00 27486.32
12 Provisions and Contingencies
Provisions and Contingencies include provision for tax 16,474.90 12,068.93 9,654.43
Profit Before tax 18,560.83 15,287.40 12,817.32
Profit After tax 12064.54 9936.81 8331.26

ROE 11.35% 11.11% 11.46%

Assets to Equity 10.01 9.66 9.75
ROA 1.13% 1.15% 1.18%
Provisions 1.55% 1.40% 1.36%
Burden Ratio -2.29% -2.31% -2.30%
NII to Total Assets 4.03% 4.08% 4.10%
Earnings Base 0.96 0.95 0.94
NIM 4.19% 4.31% 4.36%
Interest bearing liabilities to Earning assets 93.57% 94.67% 95.32%
Cost of Funds 4.43% 4.91% 5.36%
Yield on Earning assets 8.33% 8.96% 9.46%
Spread 3.91% 4.05% 4.11%
 Alternative Approach

ROE 11.35% 11.11% 11.46%

1 Profit Margin 11.90% 11.53% 11.20%
2 Total Income to Total Assets 0.10 0.10 0.10
3 Assets to Equity 10.01 9.66 9.75
ROE (1)*(2)*(3) 11.35% 11.11% 11.46%
 Mar-15

in Rs. Cr.
590,503.07

27,510.45
8,821.00
166,459.95
365,495.03
568286.43
3,121.73
19,094.91

450,795.64
45,213.56
32,484.46
528493.66

501.3
61,508.12
62009.42
50,666.49
27,288.46
9,545.68
22223.67

7,646.15
10,700.04
6955.03

11.22%
9.52
1.18%
1.29%
-2.15%
3.96%
0.96
4.11%
93.00%
5.16%
8.92%
3.75%
11.22%
11.55%
0.10
9.52
11.22%