Business Trends and Strategic Changes
6. Positive ALM with Ample Liquidity
Healthy CRAR to Support Growth Opportunities
30.5%
27.8%
26.6%
25.3%
FY20
FY21
FY22
FY23
Static ALM as on 31st Mar 23 (Rs. crore)
Inflows
Liquidity at the beginning of month
Principal - Loan portfolio
Interest Loan portfolio
Total (A)
Outflows
Apr-23
May-23
15.5
Jun-23
26.3
Benefit of Positive ALM Continues
14.5
24.9
16.0
24.3
18.2
FY20
FY21
FY22
FY23
I Avg. maturity of Assets
I Avg. maturity of Liabilities
Jul-23
Aug-23
Sep-23
25.9
ATIN
⑥SATT
Total
1,029
1,162
1,445
1,317
1,318
1,555
1,029
245
304
303
274
275
267
1,669
98
105
96
85
84
78
546
1,372
1,571
1,844
1,676
1,678
1,899
3,244
Principal repayments
182
96
455
327
97
230
1,387
Interest repayments
29
30
72
31
25
40
227
Total (B)
211
126
527
358
123
270
1,614
Cumulative Mismatch (A-B)
1,162
1,445
1,317
1,318
1,555
1,630
1,630
Undrawn sanctions in hand of Rs. 580 crore as on Mar'23
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