Federal Previous Years »

Bank
Standalone -------------------
Balance in Rs. Cr.
Sheet -------------------
Mar 20 Mar-19 Mar-18 Mar-17 Mar-16 Mar-15

12 mths 12 mths 12 mths 12 mths 12 mths

EQUITIES AND LIABILITIES

SHAREHOLDER'S FUNDS
Equity Share
398.53 397.01 394.43 344.81
343.79 171.33
Capital
Total Share
398.53 397.01 394.43 344.81
343.79 171.33
Capital
Revaluation
0 5.01 5.01 5.01
0
Reserve
Reserves and
14,119.08 12,871.02 11,810.80 8,592.56
7,747.43 7,566.80
Surplus
Total 7,747.43
Reserves and 14,119.08 12,876.03 11,815.81 8,597.57
Surplus 7,566.80
Total 8,091.22
ShareHolders 14,517.61 13,273.04 12,210.24 8,942.38 6,950.59
Funds 7,738.13
Deposits 152,290.08 134,954.34 111,992.49 97,664.56 79,171.71 70,824.99

Borrowings 10,372.43 7,781.32 11,533.50 5,897.32 2,176.57 2,308.24

1,990.54
Other
Liabilities and 3,457.93 3,331.29 2,577.73 2,472.67 1,979.11
Provisions

Total Capital 91,430.03

and 180,638.05 159,339.99 138,313.95 114,976.93
Liabilities 82,850.47
ASSETS

Cash and 3,774.54

Balances with
6,174.91 6,419.17 5,132.76 4,576.57 3,379.54
Reserve Bank
of India
1,645.27
Balances with
Banks Money
6,399.67 3,647.63 4,070.65 2,875.61 1,400.45
at Call and
Short Notice

Investments 35,892.68 31,824.47 30,781.07 28,196.09 22,217.49 24,409.19

Advances 122,267.91 110,222.95 91,957.47 73,336.27 58,090.14 51,284.99

Fixed Assets 479.99 472.04 457.37 489.47 519.98 466.63

Other Assets 9,422.89 6,753.73 5,914.63 5,502.93 5,182.61 1,909.67

Total Assets 180,638.05 159,339.99 138,313.95 114,976.93 91,430.03 82,850.47 74,594.14

OTHER ADDITIONAL
INFORMATION
Number of
0 1,251.00 1,252.00 1,252.00
Branches
Number of
0 12,227.00 12,112.00 11,593.00
Employees
Capital
Adequacy 14 14 15 12
Ratios (%)
KEY PERFORMANCE
INDICATORS
Tier 1 (%) 0 13 14 12

Tier 2 (%) 0 1 1 1

ASSETS QUALITY

Gross NPA 3,530.83 3,260.68 2,795.62 1,727.05

Gross NPA
3 3 3 2
(%)
Net NPA 1,607.17 1,626.20 1,551.96 941.2

Net NPA (%) 1.31 1 2 1

Net NPA To
1 1 2 1
Advances (%)

CONTINGENT LIABILITIES,
COMMITMENTS
Bills for
0 3,542.81 3,123.36 2,568.35
Collection
Contingent
0 29,344.68 26,815.17 23,235.14
Liabilities

Equities & Mar-20 Mar-19 Mar-18 Mar-17 Mar-16

Liabilities
Share 398.53 397.01 394.43 344.81 343.79
Capital
Reserves & 14,119.08 12,876.03 11,815.81 8,597.57 7,747.43
Surplus
Deposits 152,290.08 134,954.34 111,992.49 97,664.56 79,171.71

Borrowings 10,372.43 7,781.32 11,533.50 5,897.32 2,176.57

Liabilities & 3,457.93 3,331.29 2,577.73 2,472.67 1,990.54
Provisions
Total 180,638.05 159,339.99 138,313.95 114,976.93 91,430.03
Liabilities
Assets
479.99 472.04 457.37 489.47 519.98
Fixed Assets
Loans & 122,267.91 110,222.95 91,957.47 73,336.27 58,090.14
Advances
Investments 35,892.68 31,824.47 30,781.07 28,196.09 22,217.49
21,997.47 16,820.53 15,118.04 12,955.11 10,602.42
Other Assets

Total Assets 180,638.05 159,339.99 138,313.95 114,976.93 91,430.03

Other Info
Capital 14 14 15 12 14
Adequacy
Ratios (%)
Gross NPA 3 3 3 2 3
(%)
1.31 1 2 1 2
Net NPA (%)
Contingent 0 29,344.68 26,815.17 23,235.14 18,933.07
Liabilities
Current Liabilities 162,662.51 142,735.66 123,525.99 103,561.88

Total liabilities 166,120.44 146,066.95 126,103.71 106,034.55

Current Assets 9,422.89 6,753.73 5,914.63 5,502.93

Number of shares
outstanding 1,992,664,572 1,985,050,203 1,972,144,439 1,724,045,414
 199.27 198.51 197.21 172.40

10000000 10000000 10000000 10000000

 81,348.28 73,133.23

83,338.81 75,112.34

5,182.61 1,909.67

1,718,946,844 856,655,197
 171.89 85.67

10000000 10000000
Federal Previous Years »
Bank
Standalone -------------------
Profit & Loss in Rs. Cr.
account -------------------

Mar 20 Mar-19 Mar-18 Mar-17 Mar-16 Mar-15

12 mths 12 mths 12 mths 12 mths 12 mths

INCOME

Interest / 5,446.83
Discount on
10,670.87 9,089.62 7,538.78 6,545.68 5,669.31
Advances /
Bills
Income from
2,184.07 2,037.45 1,917.44 1,801.40 1,759.63
1,835.92
Investments

Interest on 62.36
Balance with
RBI and Other 139.96 73.47 95.82 98.93 55.96
Inter-Bank
funds

Others 215.85 218.49 200.83 231.38 259.79 74.35

7,419.47
Total Interest
13,210.75 11,419.02 9,752.86 8,677.38 7,744.69
Earned

Other Income 1,931.41 1,351.02 1,159.12 1,081.81 786.38

878.31

Total Income 15,142.16 12,770.05 10,911.98 9,759.19 8,531.07 8,297.77

EXPENDITURE
Interest
8,561.85 7,242.68 6,170.05 5,624.74 5,240.45
5,039.06
Expended
891.96
Payments to
and Provisions 1,772.36 1,377.76 1,242.47 1,163.75 1,052.85
for Employees

Depreciation 0 120.38 123.17 122.17 105.45 74.59

664.38
Operating
Expenses
(excludes
1,603.25 1,266.13 1,085.26 923.61 708.54
Employee
Cost &
Depreciation)

Total 1,630.93
Operating 3,375.61 2,764.27 2,450.90 2,209.53 1,866.84
Expenses
Provision 760.27
Towards 489.75 663.36 461.03 678.95 339.02
Income Tax
Provision -244.98
Towards 0 0 3.98 -203.24 -95.02
Deferred Tax
106.74
Other
Provisions and 1,172.17 855.85 947.17 618.41 704.13
Contingencies

Total 622.03
Provisions
and 1,661.92 1,519.21 1,412.18 1,094.12 948.13
Contingencie
s

Total
13,599.38 11,526.16 10,033.14 8,928.40 8,055.42
7,292.02
Expenditure
Net Profit / 1,005.75
Loss for The 1,542.78 1,243.89 878.85 830.79 475.65
Year

Net Profit / 1,005.75

Loss After EI
1,542.78 1,243.89 878.85 830.79 475.65
& Prior Year
Items

Profit / Loss 787.36

Brought 0 1,742.49 1,451.27 1,056.98 1,092.37
Forward

Total Profit / 1,793.11

Loss
available for 0 2,986.37 2,330.11 1,887.77 1,568.02
Appropriatio
ns

APPROPRIATIONS

Transfer To /
From Statutory 0 310.97 219.71 207.7 118.91
Reserve

Transfer To /
From Special 0 84 57 46 32
Reserve
Transfer To /
From Capital 0 34.48 26.83 65.85 6.34
Reserve

Transfer To /
From
0 0 -23.57 -14.49 -8.21
Investment
Reserve

Transfer To /
From
Revenue And 0 143.93 97.07 131.43 216.99
Other
Reserves

Dividend and
Dividend Tax
0 0 210.58 0.02 0.15
for The
Previous Year

Equity Share
0 198.01 0 0 120.33
Dividend
Tax On
0 40.7 0 0 24.53
Dividend
Balance
Carried Over
0 2,174.28 1,742.49 1,451.27 1,056.98
To Balance
Sheet

Total
Appropriatio 0 2,986.37 2,330.11 1,887.77 1,568.02
ns
OTHER INFORMATION

EARNINGS PER SHARE

Basic EPS
7.76 6.28 4.62 4.83 2.77
(Rs.)
Diluted EPS
7.7 6.24 4.56 4.76 2.75
(Rs.)
DIVIDEND PERCENTAGE
Equity
Dividend Rate 0 70 50 45 35
(%)

Annual Mar-20 Mar-19 Mar-18 Mar-17 Mar-16

Interest 13,210.75 11,419.02 9,752.86 8,677.38 7,744.69
Earned
Other 1,931.41 1,351.02 1,159.12 1,081.81 786.38
Income
 15,142.16 12,770.05 10,911.99 9,759.20 8,531.07
Total Income

Total 11,937.46 10,006.95 8,620.95 7,834.27 7,107.29

Expenditure
Operating 3,204.70 2,763.10 2,291.04 1,924.93 1,423.78
Profit
1,172.17 855.85 947.17 618.41 704.13
Provisions &
Contigencies

PBT 2,032.53 1,907.25 1,343.87 1,306.52 719.65

Tax 489.75 663.36 465.01 475.71 244

Net Profit 1,542.78 1,243.89 878.86 830.81 475.65

NPA
Gross NPA 3,530.83 3,260.68 2,795.62 1,727.05 1,667.77
Gross NPA 3 3 3 2 3
(%)
Net NPA 1,607.17 1,626.20 1,551.96 941.2 950.01
1.31 1 2 1 2
Net NPA (%)
 COMPARITIVE BALANCE SHEET ANALYSIS

Mar-19 Mar-18
Increase/ Decrease= (Current year-
Base year)

EQUITIES AND LIABILITIES

SHAREHOLDER'S FUNDS

Equity Share
397.01 394.43 2.58
Capital
Total Share
397.01 394.43 2.58
Capital
Revaluation
5.01 5.01 0.00
Reserve
Reserves and
12,871.02 11,810.80 1060.22
Surplus
Total
Reserves and 12,876.03 11,815.81
Surplus 1060.22
Total
ShareHolders 13,273.04 12,210.24
Funds 1062.80
Deposits 134,954.34 111,992.49 22961.85
Borrowings 7,781.32 11,533.50 -3752.18
Other
Liabilities and 3,331.29 2,577.73
Provisions
753.56
Total Capital
and 159,339.99 138,313.95
Liabilities 21026.04
ASSETS

Cash and
Balances with
6,419.17 5,132.76
Reserve Bank
of India 1286.41
Balances with
Banks Money
3,647.63 4,070.65
at Call and
Short Notice
-423.02
Investments 31,824.47 30,781.07 1043.40
Advances 110,222.95 91,957.47 18265.48
Fixed Assets 472.04 457.37 14.67
Other Assets 6,753.73 5,914.63 839.10
Total Assets 159,339.99 138,313.95 21026.04
E SHEET ANALYSIS COMPARITIVE INCOME STATEMENT ANALYSI

% Increase/ Decrease = 100*(Current Mar-19 Mar-18

year-Base year)/Base year

INCOME

Interest / Discount on Advances / Bills 9,089.62 7,538.78

0.65 Income from Investments 2,037.45 1,917.44

Interest on Balance with RBI and Other

0.65 73.47 95.82
Inter-Bank funds

0.00 Others 218.49 200.83

8.98 Total Interest Earned 11,419.02 9,752.86

Other Income 1,351.02 1,159.12

8.97
Total Income 12,770.05 10,911.98
8.70
20.50 EXPENDITURE

-32.53 Interest Expended 7,242.68 6,170.05

Payments to and Provisions for

1,377.76 1,242.47
Employees
29.23
Depreciation 120.38 123.17
15.20
Operating Expenses (excludes Employee
1,266.13 1,085.26
Cost & Depreciation)

Total Operating Expenses 2,764.27 2,450.90

25.06

Provision Towards Income Tax 663.36 461.03

-10.39
3.39 Provision Towards Deferred Tax 0 3.98

19.86 Other Provisions and Contingencies 855.85 947.17

3.21 Total Provisions and Contingencies 1,519.21 1,412.18

14.19 Total Expenditure 11,526.16 10,033.14

15.20 Net Profit / Loss for The Year 1,243.89 878.85

Net Profit / Loss After EI & Prior Year
1,243.89 878.85
Items
Profit / Loss Brought Forward 1,742.49 1,451.27
Total Profit / Loss available for
2,986.37 2,330.11
Appropriations
VE INCOME STATEMENT ANALYSIS
% Increase/ Decrease =
Increase/ Decrease= 100*(Current year-Base
(Current year-Base year)
year)/Base year

1,550.84 20.57
120.01 6.26
-22.35 -23.32
17.66 8.79
1,666.16 17.08

191.90 16.56

1,858.07 17.03

1,072.63 17.38

135.29 10.89

-2.79 -2.27
180.87 16.67

313.37 12.79

202.33 43.89
-3.98 -100.00
-91.32 -9.64
107.03 7.58
1,493.02 14.88
365.04 41.54
365.04 41.54
291.22 20.07
656.26 28.16
 COMMON SIZE BALANCE SHEET ANALYSIS

Mar 20 Mar-19 Mar-18 Mar-17 Mar-16 Mar-15 2020(%) 2019(%)

EQUITIES AND LIABILITIES

SHAREHOLDER'S FUNDS

Equity Share
398.53 397.01 397.01 394.43 344.81 171.33 0.22 0.25
Capital

Total Share
398.53 397.01 397.01 394.43 344.81 171.33
Capital
0.22 0.25
Revaluation
0 5.01 0 5.01 5.01 0.00 0.00
Reserve

Reserves and
14,119.08 12,871.02 12,876.03 11,810.80 8,592.56 7,566.80
Surplus
7.82 8.08
Total
Reserves and 14,119.08 12,876.03 12,876.03 11,815.81 8,597.57
Surplus 7,566.80 7.82 8.08
Total
ShareHolders 14,517.61 13,273.04 13,273.04 12,210.24 8,942.38
Funds 7,738.13 8.04 8.33
Deposits 152,290.08 134,954.34 134,954.34 111,992.49 97,664.56 70,824.99 84.31 84.70
Borrowings 10,372.43 7,781.32 7,781.32 11,533.50 5,897.32 2,308.24 5.74 4.88

Other
Liabilities and 3,457.93 3,331.29 3,331.29 2,577.73 2,472.67 1,979.11
Provisions
1.91 2.09
Total Capital
and 180,638.05 159,339.99 159,339.99 138,313.95 114,976.93
Liabilities 82,850.47 100.00 100.00

ASSETS

Cash and
Balances with
6,174.91 6,419.17 6,419.17 5,132.76 4,576.57 3,379.54
Reserve Bank
of India 3.42 4.03
Balances with
Banks Money
6,399.67 3,647.63 3,647.63 4,070.65 2,875.61 1,400.45
at Call and
Short Notice
3.54 2.29
Investments 35,892.68 31,824.47 31,824.47 30,781.07 28,196.09 24,409.19
19.87 19.97

Advances 122,267.91 110,222.95 110,222.95 91,957.47 73,336.27 51,284.99

67.69 69.17
Fixed Assets 479.99 472.04 472.04 457.37 489.47

466.63 0.27 0.30

Other Assets 9,422.89 6,753.73 6,753.73 5,914.63 5,502.93 1,909.67 5.22 4.24
Total Assets 180,638.05 159,339.99 159,339.99 138,313.95 114,976.93 82,850.47
100.00 100.00
ALYSIS COMMON SIZE INCOM

2018(%) 2017(%) 2016(%) 2015(%) Mar 20 Mar-19 Mar-18 Mar-17

INCOME

Interest /
Discount on
10,670.87 9,089.62 7,538.78 6,545.68
Advances /
Bills
Income from
0.25 0.29 0.30 0.21 2,184.07 2,037.45 1,917.44 1,801.40
Investments

Interest on
Balance with
RBI and Other 139.96 73.47 95.82 98.93
Inter-Bank
0.25 0.29 0.30 0.21 funds

0.00 0.00 0.00 0.00 Others 215.85 218.49 200.83 231.38

Total Interest
13,210.75 11,419.02 9,752.86 8,677.38
Earned
8.08 8.54 7.47 9.13
Other Income 1,931.41 1,351.02 1,159.12 1,081.81
8.08 8.54 7.48 9.13
Total Income 15,142.16 12,770.05 10,911.98 9,759.19
8.33 8.83 7.78 9.34
84.70 80.97 84.94 85.49 EXPENDITURE
Interest
4.88 8.34 5.13 2.79 8,561.85 7,242.68 6,170.05 5,624.74
Expended

Payments to
and Provisions 1,772.36 1,377.76 1,242.47 1,163.75
for Employees
2.09 1.86 2.15 2.39
Depreciation 0 120.38 123.17 122.17
100.00 100.00 100.00 100.00
Operating
Expenses
(excludes
1,603.25 1,266.13 1,085.26 923.61
Employee
Cost &
Depreciation)

Total
Operating 3,375.61 2,764.27 2,450.90 2,209.53
Expenses
4.03 3.71 3.98 4.08

Provision
Towards 489.75 663.36 461.03 678.95
Income Tax
2.29 2.94 2.50 1.69
Provision
Towards 0 0 3.98 -203.24
19.97 22.25 24.52 29.46 Deferred Tax

Other
Provisions and 1,172.17 855.85 947.17 618.41
Contingencies
69.17 66.48 63.78 61.90
 Total
Provisions
and 1,661.92 1,519.21 1,412.18 1,094.12
Contingencie
0.30 0.33 0.43 0.56 s

Total
4.24 4.28 4.79 2.30 13,599.38 11,526.16 10,033.14 8,928.40
Expenditure
Net Profit /
Loss for The 1,542.78 1,243.89 878.85 830.79
100.00 100.00 100.00 100.00 Year
COMMON SIZE INCOME STATEMENT ANALYSIS

Mar-16 Mar-15 2020(%) 2019(%) 2018(%) 2017(%) 2016(%) 2015(%)

5,446.83
5,669.31
70.47 71.18 69.09 67.07 66.45 65.64
1,759.63
1,835.92
14.42 15.95 17.57 18.46 20.63 22.13
62.36

55.96

0.92 0.58 0.88 1.01 0.66 0.75

259.79
74.35
1.43 1.71 1.84 2.37 3.05 0.90
7,419.47
7,744.69
87.24 89.42 89.38 88.91 90.78 89.42
878.31
786.38
12.76 10.58 10.62 11.09 9.22 10.58
8,297.77
8,531.07
100.00 100.00 100.00 100.00 100.00 100.00

5,240.45
5,039.06
56.54 56.72 56.54 57.64 61.43 60.73
891.96

1,052.85

11.70 10.79 11.39 11.92 12.34 10.75

74.59
105.45
0.00 0.94 1.13 1.25 1.24 0.90
664.38

708.54

10.59 9.91 9.95 9.46 8.31 8.01

1,630.93
1,866.84
22.29 21.65 22.46 22.64 21.88 19.66
760.27

339.02

3.23 5.19 4.22 6.96 3.97 9.16

-244.98
-95.02
0.00 0.00 0.04 -2.08 -1.11 -2.95
106.74

704.13

7.74 6.70 8.68 6.34 8.25 1.29

 622.03

948.13

10.98 11.90 12.94 11.21 11.11 7.50

8,055.42
7,292.02
89.81 90.26 91.95 91.49 94.42 87.88
1,005.75
475.65
10.19 9.74 8.05 8.51 5.58 12.12
 LIQUIDITY RATIOS
2020 2019 2018
Current Ratio 0.06 0.05 0.05
Acid-Test-Ratio
Cash Ratio
Quick Ratio
Operating Cash Flow Ratio

LIVERAGE RATIOS
2020 2019 2018
Debt Ratio 0.92 0.92 0.91
Debt to Equity Ratio 11.44268513 11.0047848873 10.327701175
Interest Coverage Ratio
Debt Service Coverage Ratio
Assets Equity Ratio 12.23 11.68 11.97

EFFICIENCY RATIOS
2020 2019 2018
Asset Turnover Ratio (Times) 0.09 0.09 0.09
Inventory Turnover Ratio (Times)
Receivables Turnover Ratio (Times)
Days Sales in Inventory Ratio

PROFITABILITY RATIOS
2020 2019 2018
Gross Margin Ratio (%)
Operating Margin Ratio(%)
Return on Asset Ratio(%) 0.91 0.84 0.69
Return on Equity Ratio(%) 11.10 9.76 8.31
Net Profit Margin (%) 10.19 9.74 8.05

VALUATION RATIOS
Valuation Ratios 2020 2019 2018
Book Value per Share 72.86 66.87 61.91
P/BV Ratio 0.68 0.74 0.79
EPS 7.74 6.27 4.46
P/E Ratio 6.35 7.85 11.04
 2017 2016 2015
0.05 0.06 0.03

2017 2016 2015

0.92 0.91 0.91
11.857531217 10.2999065654 9.706782

12.12 11.01 10.72

S
2017 2016 2015
0.09 0.10 0.11

OS
2017 2016 2015

0.81 0.55 1.28

9.75 6.01 13.69
8.51 5.58 12.12

S
2017 2016 2015
51.87 47.07 90.33
0.95 1.05 0.54
4.82 2.77 11.74
10.21 17.78 4.19
 Ratios 2020 2019
Return on Equity (ROE) 11.10 9.76
Return on Asset (ROA) 0.91 0.84
Net Profit Margin (NPM) 10.19 9.74
Asset Turnover Ratio (ATR) 0.09 0.09
Asset Equity Ratio (AER) 12.23 11.68

2020 2019
ROE= NPM*ATR*AER 11.10 9.76
ROE = ROA*AER 11.10 9.76
ROA = NPM*ATR 0.91 0.84
2018 2017 2016 2015
8.31 9.75 6.01 13.69
0.69 0.81 0.55 1.28
8.05 8.51 5.58 12.12
0.09 0.09 0.10 0.11
11.97 12.12 11.01 10.72

2018 2017 2016 2015

8.31 9.75 6.01 13.69
8.31 9.75 6.01 13.69
0.69 0.81 0.55 1.28