Chapter-2 : Financial Performance

Balance Sheet metrics

Bank achieved landmark Asset Base creating another milestone

CRAR comfortable at 27.11%

PCR healthy at 87%

Profit & Loss metrics

Net Profit touches all time high.
Total Income registered 50.2% growth Y-o-Y driven by 53.4% growth in Interest Income

Efficiency metrics

Net Interest Income (NII) clocked 22.9% growth Y-o-Y.

1. Cost-to-income ratio declined by ~300 bps during each of last 2 FYs.

2. Opex to Asset Ratio improved from 0.5% to 0.3% from FY 2018 to FY 2019.

Shareholders' Return metrics


Earnings per Share

Asset Quality for FY 2019

  • Gross NPA improved to 0.63% from 0.94% of previous year
  • Net NPA improved to 0.21% from 0.26% of previous year

Resource Management

Resources worth ₹84,483 crore were raised by the Bank during FY 2019 as against ₹47,689 crore during FY 2018, including ₹84,278 crore from domestic sources and ₹205 crore in foreign currency