Chapter-5
Analysis of financial statement
Statement of profit & loss account for the year ended
31st march…
Particulars N As at 31st march….
ot 2016 2017 2018 2019 2020
e
(Rs) (Rs) (Rs) (Rs) (Rs)
N
o
1.Income
Interest earned 13 527,394,348 541,562,793 549,658,922 634,011,926 747,983,166
Other income 14 153,230,516 195,044,831 174,196,326 145,121,636 164,486,220
680,624,864 736,607,624 723,855,248 779,133,562 912,469,386
Total income
2.Expenditure
Interest expended 15 315,153,949 324,189,585 319,400,463 363,863,951 415,312,517
Operating expenses 16 126,835,582 147,550,576 157,039,436 180,890,620 216,144,109
Provision and
contingencies(refer note
141,372,460 166,856,557 179,641,120 200,745,975 201,704,636
18.41)
Total expenditure 583,361,991 638,596,718 656,081,019 745,500,546 833,161,262
3.Profit/(Loss)
97,262,873 98,010,906 67,774,229 33,633,016 79,308,124
Net profit for the year
172,614,164 171,321,884 187,449,376 184,952,554 178,795,703
Profit brought forward
269,877,037 269,332,790 255,223,605 218,585,570 258,103,827
Total profit/(loss)
4.Appropriations/Transf
ers 24,316,000 24,503,000 19,828,000
16,944,000 8,409,000
Transfer to statutory
reserve
9,340 9,824 3,670
Transfer to reserve fund 10,541 7,568
23,822,375 52,933,000 3,954,400
25,654,600 280,000
Transfer to capital
- - -
reserve - 3,500,000
Transfer to capital
redemption reserve - - 6,690,000
- 12,692,000
Transfer to investment
fluctuation reserve
5,000,000 - -
7,000,000 -
Transfer to revenue and
13,500,000 4,500,000 7,900,000
other reserve 6,000,000 5,250,000
Transfer to special
reserve 38,513 (62,410) 6,453,078
14,574,649 9,651,292
Dividend {including
corporate dividend tax}
29,075,153 - -
for the previous year - -
paid during the year
Proposed equity share 35 - -
dividend - -
2,793,737 - -
87,261 7
Proposed preference
share dividend
171,321,884 187,449,376 213,274,679
184,952,554 178,795,703
Corporate dividend tax
Balance carried over to
balance sheet
269,877,037 269,332,790 255,223,605 218,585,570 258,103,827
17
Total &
18
Significant accounting
policies and notes to
16.75 16.84 10.56 5.23 12.28
accounts
15.65 16.77 10.46 5.17 12.08
Earnings per share(refer
note 18.1) 2.00 2.00 2.00 2.00 2.00
Basic(Rs)
Diluted(Rs)
Face value per share(Rs)
Balance sheet for the year ended 31st march...
Particulars Note As at 31st march….
no 2016(Rs) 2017(Rs) 2018(Rs) 2019(Rs) 2020(Rs)
CAPITAL &
LIABILITIES
1
Capital
11,631,656 11,651,071 12,858,598 12,894,598 12,947,649
Employees 67,019 62,562 55,699 46,755 34,858
stock options
outstanding
885,657,157 987,797,070 1,038,675,565 1,070,739,063 1,152,061,563
Reserve & 2
surplus 4,214,257,086 4,900,390,648 5,609,752,085 6,529,196,711 7,709,689,946
3
Deposits
4
Borrowings 1,748,073,779 1,475,561,521 1,828,586,206 1,653,199,742 1,628,967,599
5
Other 347,264,350 342,451,588 301,963,958 378,514,609 479,949,877
liabilities &
provisions 7,206,951,047 7,717,914,460 8,791,891,613 9,644,591,478 10,983,651,492
Total capital
and liabilities
6
Assets:
271,060,888 317,024,051 331,023,817 378,580,118 12,947,649
Cash and
balances 7
with reserve
bank of India
327,626,531 440,106,563 510,669,991 424,382,742 34,858
Balances
with banks
and money 8
1,604,117,966 1,615,065,454 2,029,941,808 2,077,326,800 1,152,061,563
at call and
short notice 9 4,352,639,419 4,642,320,842 5,123,952,856 5,866,465,827 7,709,689,946
Investments 10 75,769,200 78,052,072 79,035,149 79,314,287 1,628,967,599
Advances 11 575,737,043 625,345,478 717,267,992 818,521,704 479,949,877
Fixed assets 12
Other assets
7,206,951,047 7,717,914,460 8,791,891,613 9,644,891,613 10,983,651,492
Total assets 16 9,007,987,789 10,309,937,127 12,892,440,018 19,220,382,868 25,238,257,975
Contingent
liabilities
216,547,286 226,231,852 285,883,604 493,919,862 482,162,417
Bills for
collection
17&18
Significant
accounting
policies and
notes to
accounts
