Satin Financial Review and Growth Strategy
6. Strong Capitalization with Ample Liquidity
Healthy CRAR to support Growth Opportunities
Benefit of positive ALM continues
32.33%
30.45%
28.49%
21.18%
||||
FY18
FY19
FY20
1HFY21
Static ALM as on 30th Sep 20 (Rs. Crore)
Inflows
Liquidity at the beginning of month*
Principal - Loan portfolio
Interest - Loan portfolio
Total (A)
Outflows
Principal repayments
Interest repayments
Total (B)
Cumulative Mismatch (A-B)
26.3
25.5
21.5
22.3
22.1
18.4
15.5
12.8
11.7
8.4
8.5
9.0
FY16
FY17
FY18
FY19
I Avg. maturity of Assets
FY20
Avg. maturity of Liabilities
1HFY21
Oct-20
Nov-20
Dec-20
Jan-21
Feb-21
Mar-21
SATIN
Total
1,962
1,943
2,007
1,917
1,833
1,909
1,962
183
196
259
250
202
223
1,312
64
66
82
76
60
61
409
2,208
2,206
2,348
2,243
2,094
2,192
3,683
229
168
379
381
119
182
1,458
36
31
52
29
66
37
251
265
199
431
410
185
219
1,709
1,943
2,007
1,917
1,833
1,909
1,973
1,973
*Excluding margin money deposits Rs 269.6 crore lien with Lenders and undrawn sanction in hand Rs.1063 crore as on Sep'20; Principal repayments of only on-book portfolio are factored in the cashflows
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