Parameter MAR'19 MAR'18

(₹ Cr.) (₹ Cr.)

SOURCES OF FUNDS

Share Capital 2,096.84 844.04

Share warrants & Outstandings 6,896.00 1,500.00

Total Reserve 7,033.48 9,424.35

Shareholder's Funds 16,026.32 11,768.39

Deposits 2,14,334.07 2,13,603.83

Borrowings 12,488.94 21,400.52

Other Liabilities & Provisions 5,726.44 5,889.54

TOTAL LIABILITIES 2,48,575.77 2,52,662.28

APPLICATION OF FUNDS:
Cash and balance with Reserve Bank of
9,672.32 9,250.88
India
Balances with banks and money at call and
4,561.19 12,130.92
short notice
Investments 79,557.91 67,714.02
Advances 1,42,212.16 1,52,060.74
Gross Block 5,016.76 4,462.35
Less : Accumulated Depreciation 1,478.79 1,340.68
Less : Impairment of Assets 0 0
Net Block 3,537.97 3,121.67
Lease Adjustment 0 0
Capital Work in Progress 0.29 10.42
Other Assets 9,033.92 8,373.62
TOTAL ASSETS 2,48,575.77 2,52,662.28
Contingent Liability 1,76,636.57 2,12,147.24
Bills for collection 9,452.05 12,877.05
Operational & Financial Ratios:

Earnings Per Share (Rs) -39.75 -55.38

DPS(Rs) 0.00 0.00

Book NAV/Share(Rs) 29.50 91.36

Yield on Advances 11.86 10.76

Yield on Investments 5.88 6.95

Cost of Liabilities 5.01 4.95

NIM 2.34 1.96

Interest Spread 6.85 5.81

YEAR 2019 2018 2017

ROA -3.33 -1.91 -1.23

 Chart Title
0
ROA
-0.5

-1

-1.5

-2

-2.5

-3

-3.5

2019 2018 2017

YEAR 2019 2018 2017

ROE
-119.93 -48.17 -47.17
 0
DU POINT ANALYSIS
ROE

-20

-40

-60

-80

-100

-120

-140

2019 2018 2017

•
•
•
•
•
YEAR 2019 2018 2017

CAT 12.51 8.96 7.12

Chart Title

2035

2030

2025

2020

2015

2010

2005
1 2 3

YEAR CAT
YEAR 2019 2018 2017
Asset Ratio 0.07 0.07 0.07

0.08

0.07

0.06

0.05

0.04

0.03

0.02

0.01

0
Asset Ratio

2019 2018 2017

YEAR 2019 2018 2017
MANAGEMENT 5.21 3.21 2.54
RATIO

0
MANAGEMENT RATIO

2019 2018 2017

YEAR 2018 2019 2017
EARNING 100 100 100

120

100

80

60

40

20

0
EARNING
2018 2019 2017
YEAR 2019 2018 2017
LIQUIDITY 0.89 0.54 0.50

1
0.9
0.8
0.7
0.6
0.5
0.4
0.3
0.2
0.1
0
LIQUIDITY

2019 2018 2017

YEAR 2019 2018 2017
Net profit -49.41 -28.57 -1.77
margin
Operational -59.49 -45.03 -16.74
profit margin
Operational -4.03 -2.91 -1.24
profit
Interest 4.56 4.60 5.21
Expenses
Total asset 1.78 1.57 1.71