Financial Overview and Strategy
-
Behaviouralized ALM snapshot as on 31 March 2019 BFL
in crore
Particulars
1m
>1 to 2m
>2 to 3m
>3 to 6 m
>6m to 1 yr >1 to 3 yr
>3 to 5 yr
>5 yr
Total
Cash, Cash Equivalents & Investments
5,524
2
2
7
10
344
510
4,181
10,580
Loan repayments
7,642
5,263
5,199
12,203
17,014
31,771
12,409
5,991
97,492
Other inflow s*
2,150
63
215
590
445
2,726
544
1,136
7,868
Total Inflows (A)
15,316
5,328
5,416
12,800
17,469
34,840
13,462
11,308
1,15,940
Cumulative Total Inflows (B)
15,316
20,644
26,060
38,860
56,330
91,170
1,04,632
1,15,940
Borrowings
5,361
430
2,345
3,638
10,045
27,182
14,616
11,422
75,039
Other Outflows*
4,752
463
2,059
2,619
4,179
4,690
1,122
469
20,354
Capital and Reserves and Surplus
20,547
20,547
Total Outflows (C)
10,113
893
4,404
6,257
14,225
31,872
15,738
32,438
1,15,940
Cumulative Total Outflows (D)
10,113
11,006
15,410
21,667
35,892
67,765
83,502
1,15,940
E. Mismatch (A-C)
5,203
4,435
1,013
6,543
3,244
2,968
(2,276)
(21,130)
F. Cumulative mismatch (B-D)
Cumulative Gap as a % (F/D)
5,203
9,638
10,650
17,193
20,437
23,406
21,130
0
51%
88%
69%
79%
57%
35%
25%
0%
Permissible cumulative GAP %
Additional borrowings possible
-15%
-15%
7,904
30,369
* Other inflows include fixed assets, tax paid in advance, interest and income receivable, line of credit committed by other institutions
*Other outflows include deposits, CBLO, sundry creditors, interest payable on bonds/ deposits, loan commitments pending disbursal, lines of credit committed to other institutions
As per previous GAAP
22View entire presentation