Financial Overview and Strategy

Behaviouralized ALM snapshot as on 31 March 2019 - BHFL in crore Particulars 1 m >1 to 2 m >2 to 3 m >3 to 6m >6m to 1 yr >1 to 3 yr >3 to 5 yr >5 to 7 yr >7 to 10 yr >10 yr Total Cash & Investments 1,861 1,861 Loan Repayments 284 198 196 575 1,111 3,912 2,703 1,999 2,269 4,182 17,430 Trade Receivable & Others* 2,017 0 9 22 38 2,086 Total Inflows (A) 4,162 198 196 584 1,111 3,935 2,703 1,999 2,269 4,220 21,377 Cumulative Total Inflows (B) 4,162 4,360 4,556 5,140 6,251 10,186 12,889 14,888 17,157 21,377 Borrowings repayment 2,042 1,285 154 33 1,067 6,044 4,475 535 15,637 Other Outflows* 324 44 14 8 1,612 12 0 76 2,089 Capital Reserves and Surplus 3,652 3,652 Total Outflows (C) 2,367 1,285 198 47 1,075 7,656 4,487 535 3,727 21,377 Cumulative Total Outflows (D) 2,367 3,652 3,850 3,897 4,972 12,628 17,115 17,650 17,650 21,377 E. GAP (A - C) 1,795 (1,087) (2) 537 36 (3,721) (1,784) 1,464 2,269 493 F. Cumulative GAP (B-D) 1,795 708 706 1,243 1,279 (2,442) (4,227) (2,762) (493) 0 Cumulative GAP as % (F/D) 76% 19% 18% 32% 26% (19%) (25%) (16%) (3%) 0% Permissible cumulative GAP % -15% Additional borrowings possible 2,526 -15% 2,381 *Other inflows include fixed assets, tax paid in advance, interest and income receivable, line of credit committed by other institutions *Other outflows include CBLO, sundry creditors, interest payable on bonds / deposits, loan commitments pending disbursal, lines of credit committed to other institutions As per previous GAAP 41

View entire presentation