Consolidated Financial Performance and Improved Deposit Profile
Strong Balance Sheet & Profitability Buffers in Place
Capital Adequacy
Credit Risk, CVA and UFCE
Market Risk
Operational Risk
Total Risk Weighted Assets
(Rs. in Crores)
Pre Provision Operating Profit Margin
31 Mar 21
31 Dec 20
6.0%
5.8%
5.7%
5.8%
5.5%
5.7%
4.9%
2,30,602
2,28,995
2.4%
3.6%
9,190
8,105
1.9%
3.6%
3.9%
3.8%
4.5%
33,120
28,353
2,72,912
2,65,453
3.0%
3.1%
2.2%
2.4%
1.8%
1.9%
1.3%
FY19
Core Equity Tier 1 Capital Funds
42,433
39,522
Additional Tier 1 Capital Funds
3,490
3,490
FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 FY21
■PBT/Loans Total Provisions/Loans ■PPOP/Loans
Liquidity Coverage Ratio
Tier 2 Capital Funds
1,510
1,918
156%
145%
140%
Total Capital Funds
47,433
44,930
124%
111%
112%
100%
100%
CRAR
CET1
Tier 1
Tier 2
* CRAR and CET1 includes 9M FY21 PAT
17.38%
16.93%*
90%
80%
Minimum
Required
15.55%
14.89%*
16.83%
16.20%
0.55%
0.72%
Mar-19 Mar-20 Jun-20 Sep-20 Dec-20
Mar-21
LCR
Min
24
IndusInd BankView entire presentation