Financial Statements 2020 2021: Error Error Error Error Error
Financial Statements 2020 2021: Error Error Error Error Error
Financial Statements 2020 2021: Error Error Error Error Error
Assumptions
Income statement
Revenue Growth/ Total Income (% Change) 971887.0% #REF! #REF! #REF! 5.0% 4.5%
Employee Cost ($000's) 5,496 9,484 9,573 10,217 12,684 25,000 25,000
Interest (% of Debt Open Bal) #REF! #REF! #REF! #REF! #REF! 3.0% 3.0%
Tax Rate (% of Earnings Before Tax) 31.6% 33.2% 35.0% 33.5% 33.9% 28.0% 28.0%
Income Statement
Interest Eraned 9,719.87 16,384.18 17,698.93 19,748.50 23,943.21
Other Income 2,028.45 2,612.23 3,477.16 4,052.21 4,604.03 #VALUE! #REF!
Total Income 11,748 18,996 21,176 23,801 28,547 #VALUE! #REF!
Expenses
Intrest Expended 5,496.13 9,483.81 9,572.78 10,216.81 12,684.25 25,000 25,000
Employee Cost 1,466.68 2,816.97 2,768.53 2,950.23 3,183.61 #REF! #REF!
Depreciation & Amortization 193 287.38 290.66 302.69 366.92
Operating Expense 1,353.62 1,928.03 2,054.13 2,455.75 2,853.35
Provision & Contingencies 405.98 1,356.65 1,341.93 1,657.00 2,073.30
Total Expenses 8,915 15,873 16,028 17,582 21,161 #REF! #REF!
Earnings Before Tax 2,833 3,124 5,148 6,218 7,386 #VALUE! #REF!
Balance Sheet
Assets
Cash & Bank Blance with RBI 3,928.30 6,903.43 7,492.42 8,908.50 10,877.53 #VALUE! -
Bal. With bank Money 2,334.06 3,976.28 15,079.58 10,711.60 13,798.02
Investments 28,659.11 51,260.22 45,074.19 64,562.35 71,189.09 #VALUE! #REF!
Advances 66,160.71 118,665.30 136,082.13 169,717.92 205,694.81 #VALUE! #REF!
Fixed Assets 1,206.71 1,551.59 1,537.63 1,527.16 1,651.55
Other Assets 3,787.17 10,028.94 9,469.94 9,649.14 9,121.70 #REF! #REF!
Total Assets 106,076 192,386 214,736 265,077 312,333 #REF! #REF!
Liabilities
Deposits 75,759.56 138,643.02 157,425.86 192,643.27 225,880.36 #REF! #REF!
Borrowings 11,250.46 20,975.34 21,095.48 25,154.15 32,248.29
Other Liablities & Provisions 4,921.95 8,804.93 8,596.62 9,795.43 11,303.57
Total Liabilities 91,932 168,423 187,118 227,593 269,432 #REF! #REF!
Shareholder's Equity
Equity Capital 386.18 917.19 920.45 952.82 1,454.38 #REF! #REF!
Retained Earnings 13,754.91 23,041.87 26,695.62 36,528.83 41,444.00 #VALUE! #VALUE!
Shareholder's Equity 14,141 23,959 27,616 37,482 42,898 #REF! #REF!
Total Liabilities & Shareholder's Equity 106,073 192,382 214,734 265,075 312,331 #REF! #REF!
Net Increase (decrease) in Cash 5,918 8,981 9,214 17,472 15,569 #VALUE! -
Opening Cash Balance 5,979.89 6,262.36 10,879.72 22,572.01 19,620.11
Closing Cash Balance 11,898 15,244 20,094 40,044 35,189 #VALUE! -
Supporting Schedules
Working Capital Schedule
Loans & Advances 0.00 0.00 0.00 0.00 0.00 #VALUE! #REF!
Investments -6,021.46 -3,918.40 -9,187.88 -34,027.96 -17,678.97 #VALUE! #REF!
Change in Borrowing -2,520.09 -1,416.86 -3,792.74 32,402.28 4,075.03
Change in Deposits 48,665.13 -43,521.65 27,637.30 -10,360.35 47,374.89
Others 4,332.76 -3,454.70 -4,195.19 -5,779.90 4,412.87
Net Working Capital (NWC) 44,456 (52,312) 10,461 (17,766) 38,184 #VALUE! #REF!
Change in NWC 44,456 (96,768) 62,773 (28,227) 55,950 #VALUE! #REF!
Forecast Period
2022 2023 2024
OK OK OK
24,662
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