Investor Presentaiton
Section 4: Income Statement - Quarterly
Growth (%)
Growth (%)
In Rs. Crore
Interest Income
Interest Expense
Net Interest Income
Fee & Other Income
Trading Gain
Operating Income
Q4 FY19
Q3 FY20
Q4 FY20
Q-o-Q
Y-o-Y
3,629
4,100
3,956
-4%
9%
2,516
2,566
2,392
-7%
-5%
1,113
1,534
1,563
2%
40%
310
437
432
-1%
40%
(36)
142
319
125%
1,386
2,113
2314
9%
67%
Operating Expense
1,148
1,432
1,527
7%
33%
Pre-Provisioning Operating Profit (PPOP)
239
682
787
15%
229%
PPOP (Excluding Trading Gain)
275
540
468
-13%
70%
Provisions
655
2,305
679$
-70%
+4%
Profit Before Tax
(417)
(1,623)
107
Tax
Profit After Tax
(199)
(218)
16
36
(1,639)
72
$ includes Rs. 25 crores of provisions required to be taken as per regulations as 10% of principal for accounts where asset classification benefit was given
Further, the bank has taken additional Rs. 200 crores of COVID-19 related provisioning proactively for overdues of 1-89 days taking total COVID provisions to Rs. 225 cr.
Excluding the COVID provisions of Rs. 225 crores, the normal credit provisions for Q4 20 would have been Rs. 454 crores; Of the Rs. 454 crores of normalised provisions, Rs. 349
crores pertain to Retail loans and Rs.105 crores pertain to wholesale loans.
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