5 Year Profit & Loss Account of Federal Bank (2016-2

Particulars Mar-20 Mar-19

I. INCOME
Interest Earned 13210.75 11419.02
Other Income 1931.41 1351.02
TOTAL INCOME 15142.16 12770.05
II. EXPENDITURE
Interest Expended 8561.85 7242.68
Operating Expenses 3375.61 2764.27
PBIDT 3204.7 2763.1
Provisions and Contingencies 1172.17 855.85
Profit Before Tax 2032.53 1907.25
Taxes 489.75 663.36
Total 13599.38 11526.16
III. Profit & Loss
PAT 1542.78 1243.89
Profit brought forward 0 0
Adjusted Net Profit 0 0
Total Profit & Loss 1542.78 1243.89
IV. Appropriations 3717.07 2986.37
Dividend(%) 0 70
EPS 7.74 6.27
BV 72.83 66.84

I Dupont Analysis

1 Net Profit Margin

Mar-20 Mar-19
NPM = (PAT/ Total Income only INTEREST EARNED) 11.68% 10.89%

2 Return on Equity
Mar-20 Mar-19
ROE = Net Profit/ Shareholders' equity 10.63% 9.37%

3 Return on Assets
Mar-20 Mar-19
ROA = Net Income/Total Assets 0.85% 0.78%

4 Equity Multiplier (EM) or Leverage

 Mar-20 Mar-19
EM = Total Assets/ Shareholders' equity 12.44 12.00

II Growth Ratios

1 Growth in Net Interest Income

Mar-20 Mar-19
Growth in NII = (Net int of current year - Net int of prev
year)/Net int income of prev year)*100 15.69% 17.08%

2 Growth in PAT
Mar-20 Mar-19
Growth in PAT =(( PAT of current year - PAT of prev
year)/PAT of prev year)*100 24% 42%

III Earnings Ratio

1 Net Interest Income (NII)

Mar-20 Mar-19

NII = Interest revenue - Interest Expenses

4648.9 4176.34

2 Net Interest Margin (NIM)

Mar-20 Mar-19
NIM = NII/Avg Assets 2.73% 2.81%

3 Yield on Advances
Mar-20 Mar-19
Yield on Advances = Interest income/Average advances 11% 11%

4 Yield on Investments
Mar-20 Mar-19
Yield on Investments = Investment's net income/Cost of
acquisition 7.78% 7.12%

5 Cost of Deposits
Mar-20 Mar-19
Cost of Deposits = Int paid on Deposit/ Avg Deposits 5.6% 5.5%

6 Cost of Borrowing
Mar-20 Mar-19
 Cost of Borrowing = Int paid on Deposit/ Avg Borrowing 0.89 0.70

7 Cost to Income Ratio

Cost to Income = Operating Expense/(Total income - interest Mar-20 Mar-19
paid) 51.30% 50.01%

8 CASA Ratio

CASA Ratio = Deposits in current and savings account/Total Mar-20 Mar-19

deposits 30.50% 32.15%

9 Credit to Deposit Ratio

Mar-20 Mar-19
Credit to Deposit Ratio = Credit/Deposits 80.29% 81.67%

NPA Ratios

1 Gross NPA Ratio

Mar-20 Mar-19
Gross NPA % = Gross NPA/Gross Advances 2.89% 2.96%

2 Net NPA Ratio

Mar-20 Mar-19
Net NPA % = Net NPA/Net advances 1.31% 1.48%

Capital Adequacy and Leverage Ratio

1 Capital Adequacy Ratio

CAR =(Tier I Capital + Tier II Capital)/Total Risk Weighted Mar-20 Mar-19

Asset 14% 14%
l Bank (2016-2020) 5 Year Balance Sheet of Feder
Mar-18 Mar-17 Mar-16 15-Mar DESCRIPTION
SOURCES OF FUNDS:
9752.86 8677.38 7744.69 7419.47 Share Capital
1159.12 1081.81 786.38 878.31 Share Warrants & Outstandings
10911.98 9759.19 8531.07 8297.77 Total Reserves
Deposits
6170.05 5624.74 5240.45 5039.06 Borrowings
2450.9 2209.53 1866.84 1630.93 Other Liabilities & Provisions
2291.03 1924.91 1423.78 1627.78 Total Liabilities
928.63 618.41 704.13 106.74 APPLICATION OF FUNDS :
1362.4 1306.5 719.65 1521.04 Cash and balance with Reserve Bank of Ind
483.55 475.71 244 515.29 Balances with banks and money at call
10033.14 8928.4 8055.42 7292.02 Investments
Advances
878.85 830.79 475.65 1005.75 Gross block
0 0 0 0 Less: Accumulated Depreciation
0 0 0 0 Less: Impairment of Assets
878.85 830.79 475.65 1005.75 Net Block
2330.11 1887.77 1568.02 1793.11 Lease Adjustment
50 45 35 110 Capital Work in Progress
4.46 4.82 2.77 11.74 Other Assets
61.89 51.84 47.04 90.27 Total Assets
Contingent Liabilities
Bills for collection
Book Value
Adjusted Book Value

Mar-18 Mar-17 Mar-16

9.01% 9.57% 6.14%
AVG ASSET
AVG ADVANCES
Mar-18 Mar-17 Mar-16 AVG DEPOSITS
7.20% 9.29% 5.88% AVG BORROWING

Mar-18 Mar-17 Mar-16 Saving Deposit

0.64% 0.72% 0.50% Current Deposit
Total Saving & Current deposit
Mar-18 Mar-17 Mar-16 Asset quality
11.33 12.86 11.69 Gross NPA
Net NPA

Capital Adequacy Ratio

Tier 1
Tier 2
Mar-18 Mar-17 Mar-16 Total risk weighted Capital

12.39% 12.04% 4.38%

Interest On Deposit

Mar-18 Mar-17 Mar-16

6% 75% -53%

Mar-18 Mar-17 Mar-16

3582.81 3052.64 2504.24

Mar-18 Mar-17 Mar-16

2.83% 2.91% 2.82%

Mar-18 Mar-17 Mar-16

12% 13% 14%

Mar-18 Mar-17 Mar-16

7.01% 7.48% 7.50%

Mar-18 Mar-17 Mar-16

5.5% 6.1% 6.7%

Mar-18 Mar-17 Mar-16

 0.66 0.98 1.36

Mar-18 Mar-17 Mar-16

51.69% 53.44% 56.73%

Mar-18 Mar-17 Mar-16

33.26% 32.60% 30.76%

Mar-18 Mar-17 Mar-16

82.11% 75.09% 73.37%

Mar-18 Mar-17 Mar-16

3.04% 2.35% 2.87%

Mar-18 Mar-17 Mar-16

1.69% 1.28% 1.64%

Mar-18 Mar-17 Mar-16

15% 12% 14%
e Sheet of Federal Bank (2016-2020)
Mar-20 Mar-19 Mar-18 Mar-17 Mar-16 Mar-15

398.5325 397.0096 394.4285 344.8087 343.789 171.3306

0 0 0 0 0 0
14119.0757 12876.03 11815.8065 8597.573 7747.428 7566.805
152290.085 134954.3 111992.487 97664.56 79171.71 70824.99
10372.4263 7781.324 11533.4992 5897.323 5114.567 2308.241
3457.9275 3331.285 2577.7334 2472.665 2203.881 1979.111
180638.047 159340 138313.954 114976.9 94581.37 82850.48

6174.9085 6419.168 5132.7584 4576.568 3774.539 3379.543

6399.6728 3647.633 4070.6503 2875.606 1645.271 1400.454
35892.6789 31824.47 30781.0747 28196.09 25155.49 20568.82
122267.915 110223 91957.4732 73336.27 58090.14 51284.99
1416.4395 1398.069 1317.151 1265.99 1188.956 1027.085
961.0354 943.121 869.0719 791.4452 684.7401 587.0344

455.4041 454.9482 448.0791 474.5447 504.2154 440.0501

24.5812 17.0929 9.291 14.9242 15.7597 26.5813

9422.8866 6753.726 5914.6275 5502.929 5395.947 5750.044
180638.047 159340 138313.954 114976.9 94581.37 82850.48
34460.0704 29344.68 26815.1663 23235.14 20253.57 17214.82
3767.6464 3542.806 3123.3635 2568.345 1516.83 1221.66
72.8301913 66.83986 61.8881541 51.8396 47.04169 90.27139
72.8301913 66.83986 61.8881541 51.8396 47.0417 45.1357

Jan-00 Mar-19 Mar-18 Mar-17 Mar-16

169989.02 148827 126645.44 104779 88715.9
116245 101090 82647 65713 54688
143622.21 123473 104828.52 88418.1 74998.3
9076.8749 9657.41 8715.4113 5505.94 3711.4
33858.576 31302.8 29488.582 26675.8 22862.2
Mar-20 Mar-19 Mar-18 Mar-17 Mar-16
39195.44 ### 30919.83 ### ###
7254.80 7899.00 6332.01 5439.96 2931.00
46450.24 ### 37251.84 ### ###
 Mar-20 Mar-19 Mar-18 Mar-17 Mar-16
3530.8 3260.68 2795.62 1727.05 1667.77
1601.71 1626.2 1551.96 941.2 950.01

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

14056.92 12545.7 11776.03 8539.5 7791.84
1118.08 714.7 436.7 416.08 333.64
### 93764.3 83059.86 72295.3 58330.1

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

8100.652 6742.581 5721.9033 5403.59 5061.40
 5 Year Balance Sheet of Bandhan Bank (2016-20
DESCRIPTION Mar-20 Mar-19
SOURCES OF FUNDS:
Share Capital 1610.247843 1193.082855
Share Warrants & Outstandings 0 0
Total Reserves 13585.21148 10008.66423
Deposits 57081.50355 43231.62027
Borrowings 16379.17715 521.3505584
Other Liabilities & Provisions 3061.659109 1486.994643
Total Liabilities 91717.79914 56441.71255
APPLICATION OF FUNDS :
Cash and balance with Reserve Bank of India 6344.907366 3879.154694
Balances with banks and money at call 2007.99714 1923.501967
Investments 15351.7744 10037.48481
Advances 66629.94767 39643.39374
Gross block 709.0330873 488.7585585
Less: Accumulated Depreciation 361.7657506 266.5324555
Less: Impairment of Assets
Net Block 347.2673367 222.226103
Lease Adjustment
Capital Work in Progress 21.5001047 108.9698251
Other Assets 1014.405112 626.9814161
Total Assets 91717.79914 56441.71255
Contingent Liabilities 466.5784564 120.9355499
Bills for collection 0.16992
Book Value 94.36720809 93.88909611
Adjusted Book Value 94.36720809 93.88909611

I Dupont Analysis

1 Net Profit Margin

Mar-20 Mar-19
NPM = (PAT/ Total Interest Income)*100 27.77771143 29.37515147

2 Return on Equity
Mar-20 Mar-19
ROE = Net Profit/Average shareholders' equity 19.89897071 17.42138959
3 Return on Assets
Mar-20 Mar-19
ROA = Total Income/Average total Assets 3.296786478 3.457549234

4 Equity Multiplier (EM) or Leverage

Mar-20 Mar-19
EM = Total Assets/ Shareholders' equity 6.035868819 5.038652643

II Growth Ratios

1 Growth in Net Interest Income

Mar-20 Mar-19
Growth in NII = ((Net int of current year - Net int of
prev year)/Net int income of prev year)*100 40.67450872 48.25409598

2 Growth in PAT
Mar-20 Mar-19
Growth in PAT =(( PAT of current year - PAT of
prev year)/PAT of prev year)*100 54.94440174 45.0325515

III Earnings Ratio

1 Net Interest Income (NII)

Mar-20 Mar-19

NII = Interest revenue - Interest Expenses

6323.91 4495.42

2 Net Interest Margin (NIM)

Mar-20 Mar-19
NIM = NII/Avg Assets 6.894964837 7.964712261

3 Yield on Advances
Mar-20 Mar-19
Yield on Advances = Interest income/Average advance 16.3372333 16.75782362

4 Yield on Investments
Mar-20 Mar-19
Yield on Investments = Investment's net income/Cost
of acquisition 6.16 6.5

5 Average cost of Deposits

 Mar-20 Mar-19
Average cost of Deposits = Interest paid on Deposit/
Average Deposits 6.551086986 5.437958705

6 Average Cost of Borrowing

Mar-20 Mar-19
Average cost of Borrowing = Interest paid on
borrowings/Average borrowing 1.123322609 0.01418069

7 Cost to Income Ratio

Mar-20 Mar-19
Cost to Income = Operating Expense/(Total income -
interest paid) 30.82060329 32.56795485

8 CASA Ratio
Mar-20 Mar-19
CASA Ratio = Deposits in current and savings
account/Total deposits 36.84 40.75

9 Credit to Deposit Ratio

Mar-20 Mar-19
Credit to Deposit Ratio = Credit/Deposits 116.7277376 91.69999526

NPA Ratios

1 Gross NPA Ratio

Mar-20 Mar-19
Gross NPA % = Gross NPA/Gross Advances 1.489990664 2.067330576

2 Net NPA Ratio

Mar-20 Mar-19
Net NPA % = Net NPA/Net advances 0.584421891 0.575934547

Capital Adequacy and Leverage Ratio

1 Capital Adequacy Ratio

Mar-20 Mar-19
CAR =(Tier I Capital + Tier II Capital)/Total Risk
Weighted Asset 27.43 29.2
an Bank (2016-2020) 5 Year Profit & Loss Accou
Mar-18 Mar-17 Mar-16 Particulars
I. INCOME
1192.804944 1095.141034 1095.141034 Interest/Discount on Advances/ Bil
0 0 0 Income from Investment
8189.142198 3351.314358 2239.3616202 Interest Earned
33869.002 23228.65786 12088.74808 Other Income
285 1028.93842 3051.647597 TOTAL INCOME
774.1070083 1532.038723 1281.6016727 II. EXPENDITURE
44310.05615 30236.0904 19756.500004 Interest Expended
Operating Expenses
2837.067127 6012.065973 810.2865512 PBIDT
2673.516418 1352.932719 2363.1129422 Provisions and Contingencies
8371.940824 5516.48723 3758.0336328 Profit Before Tax
29713.03606 16839.07786 12437.54612 Taxes
426.5680613 354.3430021 272.5295761 Total
188.4397106 102.5566995 35.7788212 III. Profit & Loss
PAT
238.1283507 251.7863026 236.7507549 Profit brought forward
Adjusted Net Profit
0.4803732 Total Profit & Loss
476.3673657 263.7403146 150.2896344 IV. Appropriations
44310.05615 30236.0904 19756.500004 Dividend(%)
76.2416986 23.6299515 0.3372 EPS
BV
78.65449577 40.60166913 30.44815737
78.6545 40.6017 30.44815737
Interest Expended
Interest on Deposit
Interest on Borrowing
Other
Total Interest Expended

Mar-18 Mar-17 Mar-16

28.01907419 28.44800458 17.40590378 Deposits
Demand Deposits
i) From Banks
Mar-18 Mar-17 Mar-16 ii) From Others
14.34201216 25.00756 8.254604316 Savings Bank Deposits
Term Deposits
 i) From Banks
Mar-18 Mar-17 Mar-16 ii) From Others
3.036692157 3.677558789 1.393212360 Total
i) Deposits of Branches in India
ii) Deposits of Branches outside In
Mar-18 Mar-17 Mar-16 Grand Total
4.722906181 6.800043571 5.924871578

Gross NPA
Net NPA
Net NPAs (funded) to Net Advance

Mar-18 Mar-17 Mar-16 Capital Adequacy Ratio

Tier I
26.15935095 157.6568078 0 Tier 2

Mar-18 Mar-17 Mar-16

21.00903818 303.9782016 0

Mar-18 Mar-17 Mar-16

3032.24 2403.5 932.83

Mar-18 Mar-17 Mar-16

6.843232132 7.949109717 4.721635916

Mar-18 Mar-17 Mar-16

16.16226625 23.21213806 12.71440512

Mar-18 Mar-17 Mar-16

6.41 8.15 3.54

 Mar-18 Mar-17 Mar-16

5.890153831 7.311284425 3.656623474

Mar-18 Mar-17 Mar-16

0.180848042 0.899324261 5.804240401

Mar-18 Mar-17 Mar-16

34.99633535 36.306667 56.88636028

Mar-18 Mar-17 Mar-16

34.32 29.43 21.55

Mar-18 Mar-17 Mar-16

87.72929319 72.49268536 102.8853115

Mar-18 Mar-17 Mar-16

1.255812429 0.51226083 0.150914013

Mar-18 Mar-17 Mar-16

0.581899472 0.363262172 0.082331353

rage Ratio

Mar-18 Mar-17 Mar-16

31.48 26.36 29.01

& Loss Account of Bandhan Bank (2016-2020)
Mar-20 Mar-19 Mar-18 Mar-17 Mar-16 15-Mar

9486.24 5727.23 3823.6 3121.42 1282.79 0

832.81 614.53 490.02 428.05 131.2 0
566.44 301.61 488.68 359.24 167.37 0
1549.2 1063.05 706.18 411.41 149.89 7.95
12434.69 7706.42 5508.48 4320.12 1731.25 7.95

4561.58 2147.95 1770.06 1505.21 648.53 0

2426.54 1810.28 1308.31 1022 615.92 5.65
5446.57 3748.19 2430.11 1792.91 466.81 2.3
1393.15 735.13 374.21 88.43 53.3 1.73
4053.42 3013.05 2055.9 1704.47 413.51 0.58
1029.68 1061.55 710.34 592.52 138.26 0
9410.95 5754.92 4162.92 3208.17 1456.01 7.38

3023.74 1951.5 1345.56 1111.95 275.25 0.58

0 0 0 0 0 0
0 0 0 0 0 0
3023.74 1951.5 1345.56 1111.95 275.25 0.58
6242.82 4009.1 2393.99 1327.33 275.82 0.58
0 30 10 0 0 0
18.78 16.36 11.28 10.15 2.51 0
94.37 93.89 78.65 40.6 30.45 10.01

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

3285.8 2096.35 1681.57 1291.078 221.02
563.42 5.4667 51.63 158.809 350.83
712.36 46.1351 36.8472 55.321 76.66
4561.58 2147.9518 1770.0472 1505.208 648.51

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

70.61
3230.85
17726.98
6293.23
29759.8
57081.5
57081.5
0

992.78 819.56 373.14 86.26 18.77

389.4 228.32 172.9 61.17 10.24
0.58 0.58 0.58 0.36 0.08

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

25.19 27.88 30.3 24.77 26.72
2.24 1.32 1.18 1.59 2.29