Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :
Transcript of Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :
![Page 1: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/1.jpg)
Annual Report 2019-20Experience Open
63
Management’s Discussion and Analysis
Macro-Economic Environment
(` in crores)
2019-20 2018-19
40,743 34,838 17%
23,438 19,005 23%
4,904 6,974 (30%)
1,627 4,677 (65%)
![Page 2: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/2.jpg)
Statutory Reports
` `` `
` `
` `
` `` `
` `
(` in crores)
2019-20 2018-19
62,635 54,986 14%
37,429 33,278 12%25,206 21,708 16%
` `
to ` `
(` in crores)
2019-20 2018-19
![Page 3: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/3.jpg)
Annual Report 2019-20Experience Open
``
` `
` `
` ``
`
` `
(` in crores)
2019-20 2018-19
17,305 15,833 9%
` `
`to `
` `
Non-Interest Income
` in crores
FY19-202,0982,42011,019
FY19-202.09
![Page 4: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/4.jpg)
Statutory Reports
66
` `
(` in crores)
2019-20 2018-19
18,534 12,031 54%
` `
Provisions for NPAs:` `
Provisions for standard assets:` `
`
` `
`
`
`
`
![Page 5: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/5.jpg)
Annual Report 2019-20Experience Open
` `
`
` `
`` `
`
` `
`
`` `
``
2019-20 2018-19`
`
`
`
` ` ``
` ``
Gross and Net NPA
4.86
1.56Mar-20
![Page 6: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/6.jpg)
Statutory Reports
(` in crores)
2019-20 2018-1984,959 35,099 142%12,309 32,106 (62%)
156,734 174,969 (10%)
571,424 494,798 15%4,313 4,037 7%
1 85,426 59,988 42%915,165 800,997 14%
` `
``
` `
``
`
` `
``
``
Advances
` in croresYoY
61,921305,400204,103
YoYYoYMar-20
Mar-20
Mar-20
![Page 7: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/7.jpg)
Annual Report 2019-20Experience Open
`
` `
` `
`to `
(` in crores)
2019-20 2018-19564 514 10%
84,384 66,162 28%84,948 66,676 27%
640,105 548,471 17%
- 263,706 243,394 8%
- 376,399 305,077 23%147,954 152,776 (3%)
42,158 33,073 27%915,165 800,997 14%
` `
` `` `
``
Deposits
` in crores
173,592 90,114376,399Mar-20
` in crores
122,962253,437Mar-20
![Page 8: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/8.jpg)
Statutory Reports
`
`
` ``
`
`
` `
`` `
%15.84
17.53
`
![Page 9: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/9.jpg)
Annual Report 2019-20Experience Open
(` in crores)
2019-20 2018-19
107,005 87,460610,527 552,048
Business Overview
![Page 10: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/10.jpg)
Statutory Reports
![Page 11: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/11.jpg)
Annual Report 2019-20Experience Open
`
![Page 12: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/12.jpg)
Statutory Reports
` `
` `
![Page 13: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/13.jpg)
Annual Report 2019-20Experience Open
th
`
![Page 14: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/14.jpg)
Statutory Reports
![Page 15: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/15.jpg)
Annual Report 2019-20Experience Open
`
` `
` `
![Page 16: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/16.jpg)
Statutory Reports
` ` `
`
th
![Page 17: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/17.jpg)
Annual Report 2019-20Experience Open
` ` `
![Page 18: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/18.jpg)
Statutory Reports
` `
![Page 19: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/19.jpg)
Annual Report 2019-20Experience Open
`
` `
![Page 20: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/20.jpg)
Statutory Reports
![Page 21: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/21.jpg)
Annual Report 2019-20Experience Open
![Page 22: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/22.jpg)
Statutory Reports
![Page 23: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/23.jpg)
Annual Report 2019-20Experience Open
![Page 24: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/24.jpg)
Statutory Reports
`
![Page 25: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/25.jpg)
Annual Report 2019-20Experience Open
Human Resources
![Page 26: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/26.jpg)
Statutory Reports
![Page 27: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/27.jpg)
Annual Report 2019-20Experience Open
` `
``
th
`
`
`
![Page 28: Management’s Discussion and Analysis · Annual Report 2019-20 Experience Open : : : :](https://reader034.fdocuments.net/reader034/viewer/2022052018/603133cd4ffe5148690f6644/html5/thumbnails/28.jpg)
Statutory Reports