Financial Performance

Balance Sheet Metrics

The Asset Base clocked Y-o-Y growth of 20.3%, while Loans & Advances crossed the milestone of ₹1.5 lakh crore

Profit and Loss Metrics

Total income registered Y-o-Y growth of 21.9% with 27.9% growth in Net Interest Income (NII)

Net Profit

Net profit recorded a growth of 18.6% with highest ever Net Profit of ₹2,314.5 crore in FY 2020

Efficiency Metrics

Net Interest Margin (NIM) increased by 5 bps and Cost to Income ratio has improved by 300 basis points to 14% during FY 2020

Shareholders’ Return Metrics

Earnings per Share (EPS) increased to ₹43.5 in FY 2020 from ₹36.7 in FY 2019.

Asset Quality

The Gross Non-Performing Assets ratio stood at 0.63% in FY 2020

Net NPA ratio increased by 19 bps Y-o-Y from 0.21% to 0.40% as of March 2020

Balance Sheet Strength

Provision Coverage Ratio (PCR) was at 78% as of March 2020, as compared to 87% as of March 2019

Capital Adequacy Ratio as on March 31, 2020 stood at 26.62% as compared to 27.11% as of March 2019

Resource Management

Resources aggregating ₹ 78,394 crore raised during FY 2019-20, as against ₹ 84,483 crore during FY 2018-19