HDFC Bank (Rs in mi

P&L Account
2023-24 2022-23
Interest Income 2,583,406 1,615,855
Other Income 492,410 312,148
Total Income 3,075,816 1,928,004

Expenses
Interest Exps 1,498,081 747,433
Employee related exps 222,402 155,124
Other operating exps 411,458 321,397
Provisions & Contingencies 335,752 262,963
- Tax (Current)
- Tax (Deferred)
- NPAs
- Others
Total Expenses 2,467,693 1,486,917

Profit 608,123 441,087

Statutory reserve transfer 152,031 110,272
Dividends 84,044 86,045

Balance Sheet
Liabilities
Share Capital 34,124 5,580
Reserves & Surplus 4,368,334 2,796,410
CASA Deposits - Current 3,100,157 2,734,961
CASA Deposits - Savings 5,987,473 5,624,927
Non CASA Deposits 14,710,233 10,474,058
Borrowings 6,621,531 2,067,656
Other Liabilities and Provisions 1,354,379 957,222

Total 36,176,231 24,660,815

Assets
Non Current Assets 113,990 80,165
Loans & Advances 24,848,615 16,005,859
Investments - Govt Secs 6,448,064 4,373,698
Investments - Others 576,086 796,316
Cash & Bank Balances - with RBI 1,786,832 1,171,608
Cash & Bank Balances - others 404,642 766,043
Other Assets 1,998,002 1,467,125

Total 36,176,231 24,660,815

Ratios

Other Income : Total Income 16.01% 16.19%

PAT : Total Income 19.77% 22.88%
Int Exp : Int Income 57.99% 46.26%
Int Income : Total Assets 7.14% 6.55%
Int Income : Advances + Investment 8.11% 7.63%
Int Income : Int generating assets 8.00% 7.36%
Return on Assets 1.68% 1.79%
Return on Equity 13.81% 15.74%

Debt equity ratio (times) 7.22 7.80

Invest (Govt secs) : Deposits 27.10% 23.22%
Advances : Total Assets 68.69% 64.90%
CASA Ratio 38.19% 44.39%

Operating profit (before provisions) 943,875 704,050

Total Assets 36,176,231 24,660,815
Op Profit : Total Assets 2.61% 2.85%

Operating Profit Margin 17.48% 24.25%

Net Interest Margin (NIM) - Amount 1,085,325 868,422
NIM : Total Assets (%) 3.00% 3.52%
NIM : Interest Generating Assets 3.36% 3.96%

Number of equity shares ('000000) 7,597 5,580

EPS 80.05 79.05

Interest Spread
Avg. Int earned on Int Gen assets 8.00% 7.36%
Avg. Int spent on Int bearing liabilities 4.92% 3.58%

Interest Spread 3.08% 3.79%

Credit Deposit Ratio 104.42% 84.98%

Investment Deposit ratio 29.52% 27.45%
Financial Leverage Ratio 8.22 8.80

Cost to Income Ratio = Op Exp / (NII

+Other income) 40.18% 40.36%

NPA Related (Asset quality)

Net NPAs - Internal figures 43,648
Net NPAs - RBI assessment
Net Advances 16,005,859
% of Net NPAs to Net Advances - Int 0.27%
% of Net NPAs to Net Advances - RBI

Cumulative Provisions 136,506

Gross NPAs - Internal figures 180,190
Gross NPAs - RBI assessment
Provision coverage ratio - Internal 75.76%
Provision coverage ratio - RBI

Gross Advances = Net Advances +

Cum. Provisions 16,142,365
Gross NPA : Gross Advances 1.12%
HDFC Bank (Rs in millions)

2021-22 2020-21 2019-20 2018-19 2017-18

1,277,531 1,208,582 1,148,127 989,721 802,414
295,099 252,049 232,608 176,259 152,203
1,572,630 1,460,631 1,380,735 1,165,979 954,617

557,435 559,787 586,264 507,288 401,465

120,317 103,648 95,257 77,618 68,057
254,105 223,578 211,719 183,576 158,846
271,160 262,453 224,922 186,716 151,381
133,460 116,448 98,332 121,296 101,073
-12,919 -11,023 5,167 -10,081 -8,967
113,627 123,000 98,868 70,472 55,383
36,991 34,029 22,556 5,029 3,892
1,203,017 1,149,466 1,118,162 955,198 779,749

369,614 311,165 262,573 210,782 174,867

92,403 77,791 65,643 52,695 43,717
35,924 - 65,403 40,526 33,906

5,546 5,513 5,484 5,447 5,190

2,395,384 2,031,696 1,704,377 1,486,617 1,057,760
2,393,106 2,121,821 1,742,479 1,424,978 1,192,826
5,117,385 4,035,001 3,103,771 2,487,004 2,238,102
8,081,683 7,193,781 6,628,773 5,319,428 4,456,779
1,848,172 1,354,873 1,446,285 1,170,851 1,231,050
844,075 726,022 673,944 551,083 457,637

20,685,351 17,468,705 15,305,113 12,445,407 10,639,343

60,837 49,093 44,319 40,300 36,072

13,688,209 11,328,366 9,937,029 8,194,012 6,583,331
3,665,273 3,511,410 3,230,399 2,396,593 1,887,867
890,084 925,873 687,868 509,286 534,135
1,299,956 973,407 722,051 467,636 1,046,705
 223,313 221,297 144,136 345,840 182,446
857,678 459,259 539,311 491,740 368,787

20,685,351 17,468,705 15,305,113 12,445,407 10,639,343

18.76% 17.26% 16.85% 15.12% 15.94%

23.50% 21.30% 19.02% 18.08% 18.32%
43.63% 46.32% 51.06% 51.26% 50.03%
6.18% 6.92% 7.50% 7.95% 7.54%
7.00% 7.67% 8.29% 8.92% 8.91%
6.92% 7.56% 8.20% 8.65% 8.73%
1.79% 1.78% 1.72% 1.69% 1.64%
15.39% 15.27% 15.36% 14.13% 16.45%

7.62 7.57 7.95 7.34 9.01

23.51% 26.30% 28.15% 25.96% 23.93%
66.17% 64.85% 64.93% 65.84% 61.88%
48.17% 46.12% 42.23% 42.38% 43.50%

640,773 573,618 487,495 397,497 326,248

20,685,351 17,468,705 15,305,113 12,445,407 10,639,343
3.10% 3.28% 3.19% 3.19% 3.07%

27.06% 26.61% 22.20% 22.35% 21.69%

720,096 648,796 561,863 482,432 400,949
3.48% 3.71% 3.67% 3.88% 3.77%
3.90% 4.06% 4.01% 4.21% 4.36%

5,546 5,513 5,483 2,723 2,595

66.65 56.44 47.89 77.40 67.38

6.92% 7.56% 8.20% 8.65% 8.73%

3.20% 3.81% 4.54% 4.88% 4.40%

3.72% 3.75% 3.66% 3.77% 4.33%

87.79% 84.85% 86.60% 88.76% 83.46%

29.22% 33.24% 34.15% 31.48% 30.71%
 8.62 8.57 8.95 8.34 10.01

36.88% 36.32% 38.64% 39.65% 41.02%

44,077 45,548 35,424 32,145 26,010

13,688,209 11,328,366 9,937,029 8,194,012 6,583,331

0.32% 0.40% 0.36% 0.39% 0.40%

117,333 105,312 91,076 80,096 60,060

161,410 150,860 126,500 112,242 86,070

72.69% 69.81% 72.00% 71.36% 69.78%

13,805,542 11,433,678 10,028,105 8,274,109 6,643,390

1.17% 1.32% 1.26% 1.36% 1.30%
 Axis Bank
P&L Account
2016-17 2023-24
693,060 Interest Income 1,093,686
122,965 Other Income 224,420
816,025 Total Income 1,318,106

Expenses
361,667 Interest Exps 594,741
64,837 Employee related exps 109,331
132,197 Other operating exps 242,802
111,827 Provisions & Contingencies 122,617
79,170 - Tax (Current)
-3,275 - Tax (Deferred)
35,298 - NPAs
635 - Others
670,528 Total Expenses 1,069,492

145,496 Profit 248,614

36,374 Statutory reserve transfer 62153.583
Dividends 3,080

Balance Sheet
Liabilities
5,125 Share Capital 14,439
889,498 Reserves & Surplus 1,496,177
1,155,739 CASA Deposits - Current 1,572,680
1,935,786 CASA Deposits - Savings 3,021,326
3,344,872 Non CASA Deposits 6,092,408
740,289 Borrowings 1,968,118
567,093 Other Liabilities and Provisions 606,939

8,638,402 Total 14,772,086

Assets
36,267 Non Current Assets 56,846
5,545,682 Loans & Advances 9,650,684
1,624,187 Investments - Govt Secs 2,383,946
520,446 Investments - Others 931,327
378,969 Cash & Bank Balances - with RBI 860,775
 110,552 Cash & Bank Balances - others 283,769
422,298 Other Assets 604,740

8,638,402 Total 14,772,086

Ratios

15.07% Other Income : Total Income 17.03%

17.83% PAT : Total Income 18.86%
52.18% Int Exp : Int Income 54.38%
8.02% Int Income : Total Assets 7.40%
9.01% Int Income : Advances + Investment 8.44%
8.88% Int Income : Loan bearing assets 8.25%
1.68% Return on Assets 1.68%
16.26% Return on Equity 16.46%

8.66 Debt equity ratio 8.78

25.23% Invest (Govt secs) : Deposits 22.31%
64.20% Advances : Total Assets 65.33%
48.03% CASA Ratio 42.99%

257,324 Operating profit (before provisions) 371,232

8,638,402 Total Assets 14,772,086
2.98% Op Profit : Total Assets 2.51%

19.39% Operating Profit Margin 13.42%

331,392 Net Interest Margin (NIM) - Amount 498,945
3.84% NIM : Total Assets (%) 3.38%
4.25% NIM : Interest Generating Assets 3.77%

2,563 Number of equity shares 3,087

56.78 EPS 80.55

Interest Spread
8.88% Avg. Int earned on Int Gen assets 8.25%
5.04% Avg. Int spent on Int bearing liabilities 4.70%

3.84% Interest Spread 3.55%

86.16% Credit Deposit Ratio 90.31%

33.32% Investment Deposit ratio 31.02%
 9.66 Financial Leverage Ratio 9.78

Cost to Income Ratio = Op Exp / (NII

43.37% +Other income) 48.68%

NPA Related
18,440 Net NPAs - Internal figures
31,024 Net NPAs - RBI assessment
5,545,682 Net Advances
0.33% % of Net NPAs to Net Advances - Int
0.56% % of Net NPAs to Net Advances - RBI

40,417 Cumulative Provisions

58,857 Gross NPAs - Internal figures
79,374 Gross NPAs - RBI assessment
68.67% Provision coverage ratio - Internal
50.92% Provision coverage ratio - RBI

Gross Advances = Net Advances + Cum.

5,586,099 Provisions
1.05% Gross NPA : Gross Advances
Axis Bank (Rs in millions)

2022-23 2021-22 2020-21 2019-20 2018-19

851,638 673,768 636,453 626,352 549,858
165,009 152,205 148,382 155,366 131,303
1,016,646 825,974 784,835 781,717 681,161

422,180 342,446 344,062 374,290 332,776

87,601 76,126 61,640 53,210 47,473
308,959 159,982 122,111 119,836 110,861
102,109 117,165 191,137 218,109 143,285
41,992 24,891 28,913 30,098
1,579 -2,718 3,858 -7,124
62,833 159,783 143,273 113,116
10,761 9,181 42,066 7,194
920,850 695,719 718,950 765,445 634,395

95,797 130,255 65,885 16,272 46,766

23,949 32,564 16,471 4,068 11,692
3,071 - - 2,889 -

10,388 7,625 6,127 5,643 5,143

1,243,779 1,144,115 1,009,903 843,835 661,620
1,491,205 1,273,061 1,132,762 901,144 892,653
2,974,160 2,424,492 2,044,725 1,735,916 1,541,288
5,004,087 4,519,655 3,895,574 3,763,989 3,050,772
1,863,000 1,851,339 1,428,732 1,479,541 1,527,758
586,636 531,493 443,362 421,579 330,731

13,173,255 11,751,781 9,961,184 9,151,648 8,009,965

47,339 45,724 42,450 43,129 40,366

8,453,028 7,076,960 6,237,202 5,714,242 4,947,980
2,192,666 2,190,931 1,807,028 1,219,181 1,168,229
695,483 565,041 454,168 348,162 581,464
661,178 940,345 518,086 849,592 350,990
 402,931 169,526 99,213 123,090 321,056
720,632 763,255 803,038 854,252 599,880

13,173,255 11,751,781 9,961,184 9,151,648 8,009,965

16.23% 18.43% 18.91% 19.87% 19.28%

9.42% 15.77% 8.39% 2.08% 6.87%
49.57% 50.83% 54.06% 59.76% 60.52%
6.46% 5.73% 6.39% 6.84% 6.86%
7.51% 6.85% 7.49% 8.60% 8.21%
7.25% 6.74% 7.40% 8.46% 7.83%
0.73% 1.11% 0.66% 0.18% 0.58%
7.64% 11.31% 6.48% 1.92% 7.01%

9.50 9.20 8.80 9.77 11.01

23.16% 26.66% 25.55% 19.05% 21.30%
64.17% 60.22% 62.62% 62.44% 61.77%
47.16% 45.00% 44.92% 41.20% 44.38%

197,906 247,420 257,022 234,381 190,051

13,173,255 11,751,781 9,961,184 9,151,648 8,009,965
1.50% 2.11% 2.58% 2.56% 2.37%

3.86% 14.13% 17.07% 12.62% 10.68%

429,457 331,322 292,391 252,062 217,082
3.26% 2.82% 2.94% 2.75% 2.71%
3.66% 3.31% 3.40% 3.40% 3.09%

3,077 3,070 3,064 2,822 2,572

31.13 42.43 21.50 5.77 18.19

7.25% 6.74% 7.40% 8.46% 7.83%

3.73% 3.40% 4.05% 4.75% 4.75%

3.53% 3.33% 3.36% 3.71% 3.09%

89.27% 86.12% 88.18% 89.27% 90.21%

30.50% 33.54% 31.97% 24.49% 31.90%
 10.50 10.20 9.80 10.77 12.01

66.71% 48.83% 41.69% 42.47% 45.45%

34,391 47,453 65,846 92,520 108,748

8,453,028 7,076,960 6,237,202 5,714,242 4,947,980

0.41% 0.67% 1.06% 1.62% 2.20%

134,324 137,207 160,432 173,138 162,532

170,191 185,656 226,817 266,041 271,465

78.93% 73.90% 70.73% 65.08% 59.87%

8,587,353 7,214,166 6,397,634 5,887,379 5,110,511

1.98% 2.57% 3.55% 4.52% 5.31%
 P&L Account
2017-18 2016-17
457,803 445,422 Interest Income
109,671 116,913 Other Income
567,474 562,335 Total Income

Expenses
271,626 264,490 Interest Exps
43,130 38,919 Employee related exps
96,774 83,080 Other operating exps
153,188 139,052 Provisions & Contingencies
16,712 49,889 - Tax (Current)
-18,253 -32,006 - Tax (Deferred)
159,455 120,347 - NPAs
-4,726 822 - Others
564,717 525,542 Total Expenses

2,757 36,793 Profit

689 9,198 Statutory reserve transfer
14,053 Dividends

Balance Sheet
Liabilities
5,133 4,790 Share Capital
629,320 552,835 Reserves & Surplus
956,496 870,017 CASA Deposits - Current
1,482,020 1,260,483 CASA Deposits - Savings
2,097,711 2,013,288 Non CASA Deposits
1,480,161 1,050,309 Borrowings
262,455 262,955 Other Liabilities and Provisions

6,913,296 6,014,677 Total

Assets
39,717 37,469 Non Current Assets
4,396,503 3,730,693 Loans & Advances
1,040,530 930,078 Investments - Govt Secs
498,231 357,856 Investments - Others
354,811 308,579 Cash & Bank Balances - with RBI
 79,738 193,982 Cash & Bank Balances - others
503,766 456,019 Other Assets

6,913,296 6,014,677 Total

Ratios

19.33% 20.79% Other Income : Total Income

0.49% 6.54% PAT : Total Income
59.33% 59.38% Int Exp : Int Income
6.62% 7.41% Int Income : Total Assets
7.71% 8.88% Int Income : Advances + Investment
7.61% 8.55% Int Income : Loan bearing assets
0.04% 0.61% Return on Assets
0.43% 6.60% Return on Equity

9.90 9.79 Debt equity ratio

22.94% 22.45% Invest (Govt secs) : Deposits
63.59% 62.03% Advances : Total Assets
53.76% 51.41% CASA Ratio

155,945 175,845 Operating profit (before provisions)

6,913,296 6,014,677 Total Assets
2.26% 2.92% Op Profit : Total Assets

10.11% 13.23% Operating Profit Margin

186,177 180,931 Net Interest Margin (NIM) - Amount
2.69% 3.01% NIM : Total Assets (%)
3.10% 3.47% NIM : Interest Generating Assets

2,567 2,395 Number of equity shares

1.07 15.36 EPS

Interest Spread
7.61% 8.55% Avg. Int earned on Int Gen assets
4.51% 5.09% Avg. Int spent on Int bearing liabilities

3.10% 3.45% Interest Spread

96.92% 90.03% Credit Deposit Ratio

33.92% 31.08% Investment Deposit ratio
 10.90 10.79 Financial Leverage Ratio

Cost to Income Ratio = Op Exp / (NII

47.29% 40.96% +Other income)

NPA Related
160,044 84,872 Net NPAs - Internal figures
Net NPAs - RBI assessment
4,396,503 3,730,693 Net Advances
3.64% 2.27% % of Net NPAs to Net Advances - Int
0.00% % of Net NPAs to Net Advances - RBI

147,441 112,448 Cumulative Provisions

308,763 200,457 Gross NPAs - Internal figures
Gross NPAs - RBI assessment
47.75% 56.10% Provision coverage ratio - Internal
#DIV/0! Provision coverage ratio - RBI

Gross Advances = Net Advances + Cum.

4,543,944 3,843,141 Provisions
6.80% 5.22% Gross NPA : Gross Advances
 ICICI Bank (Rs in millions)

2023-24 2022-23 2021-22 2020-21 2019-20

1,428,909 1,092,313 863,745 791,183 747,983
229,578 198,314 185,175 189,685 164,486
1,658,487 1,290,628 1,048,921 980,868 912,469

685,852 471,027 389,085 401,288 415,313

151,420 120,599 96,727 80,918 82,712
239,907 208,133 170,606 134,691 133,432
172,425 171,903 159,108 202,044 201,705
62,977 46,657 37,460
9,717 -6,756 23,712
61,640 107,991 88,144
24,774 54,153 52,388
1,249,604 971,663 815,526 818,941 833,161

408,883 318,965 233,395 161,927 79,308

102,221 79,742 58,349 40,482 19,828
55,985.96 34,794.46 13,852.34 - 6,453.08

28,100 21,577 16,564 13,865 12,983

2,355,893 1,985,577 1,688,556 1,461,227 1,152,062
1,935,723 1,614,860 1,584,797 1,361,701 1,022,276
4,022,999 3,797,759 3,599,569 2,954,533 2,455,909
8,169,528 6,395,788 5,461,350 5,008,987 4,231,505
1,249,676 1,193,255 1,072,314 916,310 1,628,968
953,227 833,251 689,828 587,704 479,950

18,715,146 15,842,067 14,112,978 12,304,327 10,983,651

108,598 95,998 93,738 88,776 84,103

11,844,064 10,196,383 8,590,204 7,337,291 6,452,900
3,755,955 3,057,773 2,563,877 2,136,208 1,883,319
863,467 565,525 538,533 676,657 611,996
897,117 685,262 601,208 460,312 352,840
 502,143 509,121 1,077,015 870,971 838,718
743,801 732,005 648,401 734,112 759,777

18,715,146 15,842,067 14,112,977 12,304,327 10,983,651

13.84% 15.37% 17.65% 19.34% 18.03%

24.65% 24.71% 22.25% 16.51% 8.69%
48.00% 43.12% 45.05% 50.72% 55.52%
7.64% 6.90% 6.12% 6.43% 6.81%
8.68% 7.90% 7.39% 7.79% 8.36%
8.42% 7.62% 6.76% 7.18% 7.64%
2.18% 2.01% 1.65% 1.32% 0.72%
17.15% 15.89% 13.69% 10.98% 6.81%

6.85 6.89 7.28 7.34 8.43

26.58% 25.89% 24.08% 22.91% 24.43%
63.29% 64.36% 60.87% 59.63% 58.75%
42.18% 45.84% 48.70% 46.29% 45.11%

581,308 490,868 392,503 363,971 281,013

18,715,146 15,842,067 14,112,977 12,304,327 10,983,651
3.11% 3.10% 2.78% 2.96% 2.56%

24.62% 26.78% 24.00% 22.03% 15.58%

743,057 621,286 474,661 389,894 332,671
3.97% 3.92% 3.36% 3.17% 3.03%
4.38% 4.34% 3.72% 3.54% 3.40%

7,022 6,983 6,949 6,916 6,473

58.23 45.68 33.59 23.41 12.25

8.42% 7.62% 6.76% 7.18% 7.64%

4.46% 3.62% 3.32% 3.92% 4.45%

3.96% 4.00% 3.44% 3.26% 3.20%

83.83% 86.35% 80.69% 78.68% 83.70%

32.70% 30.68% 29.14% 30.16% 32.37%
 7.85 7.89 8.28 8.34 9.43

40.23% 40.11% 40.52% 37.20% 43.48%

51,501 69,310 91,177 99,232

10,196,383 8,590,204 7,337,291 6,452,900

0.505% 0.807% 1.243% 1.538%

248,358 263,637 317,238 309,058

299,861 332,949 408,414 408,291

82.82% 79.18% 77.68% 75.70%

10,444,741 8,853,841 7,654,529 6,761,958

2.87% 3.76% 5.34% 6.04%
2018-19 2017-18 2016-17
634,012 549,659 541,563
145,122 174,196 195,045
779,134 723,855 736,608

363,864 319,400 324,190

68,082 59,140 57,337
112,808 97,899 90,214
200,746 179,641 166,857
33,606 26,619 21,801
-29,471 -20,047 -7,026
168,112 161,219 152,948
28,499 11,851 -866
745,501 656,081 638,597

33,633 67,775 98,011

8,409 16,944 24,503
9,651.29 14,574.65

12,941 12,914 11,714

1,070,739 1,038,676 987,797
962,694 889,582 749,834
2,276,709 2,009,671 1,718,385
3,289,794 2,710,499 2,432,171
1,653,200 1,828,586 1,475,562
378,515 301,964 342,452

9,644,591 8,791,892 7,717,914

79,314 79,035 78,052

5,866,466 5,123,953 4,642,321
1,479,231 1,415,330 1,125,135
598,095 614,612 489,930
378,580 331,024 317,024
 424,383 510,670 440,107
818,522 717,268 625,345

9,644,590 8,791,892 7,717,915

18.63% 24.07% 26.48%

4.32% 9.36% 13.31%
57.39% 58.11% 59.86%
6.57% 6.25% 7.02%
7.98% 7.68% 8.65%
7.58% 7.17% 8.09%
0.35% 0.77% 1.27%
3.10% 6.44% 9.81%

7.90 7.36 6.72

22.66% 25.23% 22.96%
60.83% 58.28% 60.15%
49.61% 51.68% 50.37%

234,379 247,416 264,867

9,644,590 8,791,892 7,717,915
2.43% 2.81% 3.43%

14.08% 13.32% 12.89%

270,148 230,258 217,373
2.80% 2.62% 2.82%
3.23% 3.00% 3.25%

6,446 6,429 5,826

5.22 10.54 16.82

7.58% 7.17% 8.09%

4.45% 4.29% 5.08%

3.13% 2.88% 3.00%

89.85% 91.34% 94.73%

31.82% 36.19% 32.96%
 8.90 8.36 7.72

43.56% 38.83% 35.78%

134,497 278,236 252,168

5,866,466 5,123,953 4,642,321

2.293% 5.430% 5.432%
0.00%

322,263 254,166 169,426

456,760 532,402 421,594

70.55% 47.74% 40.19%

#DIV/0!

6,188,729 5,378,119 4,811,747

7.38% 9.90% 8.76%
 State Bank of India (Rs in millions)
P&L Account
2020-21 2019-20 2018-19
Interest Income
Other Income
Total Income

Expenses
Interest Exps
Employee related exps
Other operating exps
Provisions & Contingencies
- Tax (Current)
- Tax (Deferred)
- NPAs
- Others
Total Expenses

Profit
Statutory reserve transfer
Dividends

Balance Sheet
Liabilities
Share Capital
Reserves & Surplus
CASA Deposits - Current
CASA Deposits - Savings
Non CASA Deposits
Borrowings
Other Liabilities and Provisions

Total

Assets
Non Current Assets
Loans & Advances
Investments - Govt Secs
Investments - Others
Cash & Bank Balances - with RBI
Cash & Bank Balances - others
Other Assets

Total

Ratios

Other Income : Total Income

PAT : Total Income
Int Exp : Int Income
Int Income : Total Assets
Int Income : Advances + Investment
Int Income : Int generating assets
Return on Assets
Return on Equity

Debt equity ratio - LT borrowings

Debt equity ratio (times)
Invest (Govt secs) : Deposits
Advances : Total Assets
CASA Ratio

Operating profit (before provisions)

Total Assets
Op Profit : Total Assets
OPM
Operating Profit Margin
Net Interest Margin (NIM) - Amount
NIM : Total Assets (%)
NIM : Interest Generating Assets

Number of equity shares ('000)

EPS

Interest Spread
Avg. Int earned on Int Gen assets
Avg. Int spent on Int bearing liabilities

Interest Spread

Credit Deposit Ratio

Investment Deposit ratio
Financial Leverage Ratio

Cost to Income Ratio = Op Exp / (NII

+Other income)

NPA Related
Net NPAs - Internal figures
Net NPAs - RBI assessment
Net Advances
% of Net NPAs to Net Advances - Int
% of Net NPAs to Net Advances - RBI

Cumulative Provisions
Gross NPAs - Internal figures
Gross NPAs - RBI assessment
Provision coverage ratio - Internal
Provision coverage ratio - RBI

Gross Advances = Net Advances + Cum.

Provisions
Gross NPA : Gross Advances
millions)

2017-18 2016-17
2,204,993 1,755,182
446,007 354,609
2,651,000 2,109,792

1,456,456 1,136,585
331,787 264,893
267,648 199,835
660,584 403,638
6,735 40,333
-96,543 3,378
751,642 350,447
-1,250 9,480
2,716,475 2,004,951

-65,475 104,841
31,452

8,925 7,974
2,182,361 1,874,887
1,901,739 1,524,211
10,137,745 7,589,614
15,023,949 11,333,689
3,621,421 3,176,937
1,671,381 1,552,352

34,547,520 27,059,663

399,923 429,189
19,348,802 15,710,784
8,483,958 5,752,387
2,125,909 1,907,509
1,503,972 1,279,976
 415,015 439,740
2,269,942 1,540,077

34,547,520 27,059,663
- -

16.82% 16.81%
-2.47% 4.97%
66.05% 64.76%
6.38% 6.49%
7.36% 7.51%
7.26% 7.37%
-0.19% 0.39%
-2.99% 5.57%

1.65 1.69
14.77 13.37
31.35% 28.13%
56.01% 58.06%
44.49% 44.57%

149,103 153,870
34,547,520 27,059,663
0.43% 0.57%
6.76% 8.77%
6.76% 8.77%
748,537 618,597
2.17% 2.29%
2.46% 2.60%

8,925 7,974
-7.34 13.15

7.26% 7.37%
4.75% 4.81%

2.51% 2.56%

71.49% 76.83%
39.20% 37.46%
 15.77 14.37

50.18% 47.75%

1,108,547 582,774

19,348,802 15,710,784
5.73% 3.71%
0.00%

1,125,728 540,656
2,234,275 1,123,430

50.38% 48.13%
#DIV/0!

20,474,529 16,251,440
10.91% 6.91%