Central Bank of India

Consolidated Balance Sheet ------------------- in Rs. Cr. -------------------

Mar-16 Mar-17 Mar-18 Mar-19 Mar-20

EQUITIES AND LIABILITIES

Equity Share Capital 1,689.71 1,902.17 2,618.16 4,047.20 5,709.76
Total Share Capital 1,689.71 1,902.17 2,618.16 4,047.20 5,709.76
Free Reserves 77.99 -2,655.55 -7,836.96 -13,462.01 -14,773.89
Specific reserves 12,912.51 15,076.42 20,299.02 25,523.70 27,638.02
Revaluation reserves 3,292.35 3,205.38 3,130.24 3,074.60 2,962.60
Total Reserves and Surplus 16,282.85 15,626.25 15,592.30 15,136.29 15,826.73
Total ShareHolders Funds 17,972.56 17,528.42 18,210.46 19,183.49 21,536.49
Equity Share Application Money 535 683 0 212.54 0
Minority Interest 35.07 34.62 39.81 43.46 45.32
Deposits 266,686.31 297,309.23 295,354.49 300,311.39 314,201.14
Demand deposits 11,944.46 13,196.78 14,678.18 16,409.31 15,407.50

Saving deposits 82,484.91 103,102.50 110,509.29 122,138.87 130,200.00

Term deposits 172,256.94 181,009.95 170,167.02 161,763.21 168,593.64

Borrowings 9,503.12 9,623.30 6,025.68 5,639.67 6,076.03

Borrowing from banks 267.08 3,203.92 290.72 375.05 260.63

Borrowing from financial institutions 1,554.94 696.17 410.86 295.52 177.30

Borrowings from central & state govt 0.00 0.00 0.00 0.00 0.00
Borrowings syndicated across banks &
0.00 0.00 0.00 0.00 0.00
institutions
Debentures and bonds 4,968.00 4,524.10 4,524.10 4,439.10 4,439.10

Foreign currency borrowings 0.00 0.00 0.00 0.00 0.00

Loans from promoters, directors & shareholders 0.00 0.00 0.00 0.00 0.00

Inter-corporate loans 0.00 0.00 0.00 0.00 0.00

Deferred credit 0.00 0.00 0.00 0.00 0.00

Interest accrued and due 0.00 0.00 0.00 0.00 0.00

Hire purchase loans 0.00 0.00 0.00 0.00 0.00

Fixed deposits 0.00 0.00 0.00 0.00 0.00

Commercial papers 0.00 0.00 0.00 0.00 0.00

Other borrowings 0.00 0.00 0.00 0.00 0.00

Sub-ordinated debt (bank) 1,888.10 1,188.10 800.00 530.00 530.00

Bank's borrowings from rbi 825.00 11.01 0.00 0.00 669.00

Other Liabilities and Provisions 11,889.08 9,516.34 7,718.86 6,494.10 15,478.45

Sundry creditors 0.00 0.00 0.00 0.00 0.00

Acceptances 662.45 750.24 691.86 645.43 620.36

Deposits & advances from customers and
0.00 0.00 0.00 0.00 0.00
employees
Interest accrued but not due 1,527.62 810.34 776.01 837.19 806.34

Share application money - refundable 0.00 0.00 0.00 0.00 0.00

Other current liabilities 9,699.01 7,955.76 6,250.99 5,011.48 14,051.75

Provisions 0.00 0.00 0.00 0.00 0.00

Total Capital and Liabilities 306,621.14 334,694.91 327,349.30 331,884.65 357,337.43

ASSETS
Cash and Balances with Reserve Bank of India 14,070.20 75,087.18 36,000.12 20,779.45 30,021.92

Balances with Banks Money at Call and Short

1,499.45 3,707.79 3,262.29 10,518.14 6,044.56
Notice
Investments 89,086.68 92,276.56 102,769.46 125,452.74 142,525.67
Investment in equity shares 1,595.25 1,860.42 1,719.27 1,309.12 788.46

Investment in preference shares 0.00 0.00 0.00 0.00 0.00

Investment in mutual funds 0.00 0.00 0.00 0.00 0.00

Investment in debt instruments 83,839.09 84,451.73 95,567.41 117,705.22 137,181.84

Investment in approved sec (for slr & oth stat req) 0.00 0.00 0.00 0.00 0.00

Investment in assisted companies 0.00 0.00 0.00 0.00 0.00

Investment in others 3,652.34 5,964.40 5,482.81 6,438.41 4,555.37

Less: provn for diminution in value of invest 0.00 0.00 0.02 0.02 0.00

Loans and advances (nbfcs,banks,fis & hsg fin

180,895.18 140,464.36 157,479.53 147,425.48 151,952.38
cos only)
Fixed Assets 4,369.03 4,299.93 4,352.85 4,319.81 4,345.71
Intangible assets 8.89 8.89 8.89 8.89 8.89

Land 0.00 0.00 0.00 0.00 0.00

Buildings 3,512.56 3,418.76 3,354.28 3,290.24 3,228.51

Plant, machinery, computers & electrical assets 0.00 0.00 0.00 0.00 0.00

Transport & commn equipment & infrastructure 0.00 0.00 0.00 0.00 0.00

Furniture, social amenities & other fixed assets 847.58 872.28 989.68 1,020.68 1,108.31

Other Assets 16,700.60 18,859.10 23,485.04 23,389.03 22,447.21

Total Assets 306,621.15 334,694.92 327,349.30 331,884.64 357,337.45
CONTINGENT LIABILITIES,
COMMITMENTS
Bills for Collection 23,947.97 9,168.94 26,786.99 16,247.39 14,276.74
Contingent Liabilities 64,693.05 83,367.83 107,101.74 86,673.04 56,187.03
 Central Bank of India
-------------------
Consolidated Profit & Loss account in Rs. Cr.
-------------------
Mar-16 Mar-17 Mar-18 Mar-19 Mar-20

INCOME
Interest / Discount on Advances / Bills 19,073.76 16,391.68 14,600.95 13,053.83 12,609.27
Income from Investments 6,477.55 7,376.80 7,142.71 8,460.20 9,924.94
Interest on Balance with RBI and Other Inter-
95.3 638.82 2,058.54 872.81 480.89
Bank funds
Interest from other sources 341.04 367.35 360.92 361.78 660.49
Total Interest Earned 25,987.66 24,774.65 24,163.12 22,748.62 23,675.59
Other Income 1,944.47 2,871.47 2,620.41 2,416.33 3,622.40

Brokerage and financial service fees 911.34 932.36 1,265.73 1,206.95 1,137.85

Income from treasury operations 751.78 1,710.72 717.59 355.63 1,445.32

Other income 281.35 228.39 637.09 853.75 1,039.23

Total Income 27,932.13 27,646.12 26,783.53 25,164.95 27,297.99

EXPENDITURE
Interest Expended 18,889.30 18,166.45 17,603.32 15,934.66 16,004.56

Payments to and Provisions for Employees 4,472.15 4,221.20 3,990.05 3,574.48 4,225.87

Depreciation 239.79 257.69 260.5 277.93 285.48

Operating Expenses (excludes Employee Cost
1,665.75 1,899.38 2,174.92 2,227.74 2,427.65
& Depreciation)
Total Operating Expenses 6,377.69 6,378.27 6,425.47 6,080.16 6,938.99
Provision Towards Income Tax 0 6.86 233.11 -2,528.74 211.86
Provision Towards Deferred Tax 0 -1,088.08 -3,013.40 0 0

Provisions for unspecified contingencies 3,770.81 6,623.90 10,630.29 11,306.59 5,269.88

Total Provisions and Contingencies 3,770.81 5,542.69 7,850.00 8,777.85 5,481.74

Total Expenditure 29,037.80 30,087.41 31,878.79 30,792.67 28,425.30
Net Profit / Loss for The Year -1,105.67 -2,441.29 -5,095.27 -5,627.72 -1,127.31

Prior Period and extraordinary expenses -300.49 -0.59 -0.3 0 0

Net Profit / Loss After EI & Prior Year

-1,406.17 -2,441.88 -5,095.57 -5,627.72 -1,127.31
Items
Minority Interest -4.79 -2.58 -5.99 -5.79 -3.64
Share Of Profit/Loss Of Associates 14.59 -14.9 -38.04 16.59 -124.77
Consolidated Profit/Loss After MI And
-1,396.37 -2,459.36 -5,139.60 -5,616.93 -1,255.72
Associates
Profit / Loss Brought Forward -738.98 -2,236.91 -5,088.52 -10,328.79 -16,010.11
Total Profit / Loss available for
-2,135.35 -4,696.27 -10,228.12 -15,945.71 -17,265.83
Appropriations
APPROPRIATIONS
Transfer To / From Statutory Reserve 1 0 0 0 0

Transfer To / From Special Reserve 4.98 3.83 5.71 5.36 4.09

Transfer To / From Investment Reserve 92.59 383.74 91.87 56.38 157.03

Transfer To / From Revenue And Other
1.2 4.11 2.43 1.59 1.33
Reserves
Tax On Dividend 1.78 0.57 0.66 1.07 0.41

Balance Carried Over To Balance Sheet -2,236.91 -5,088.52 -10,328.79 -16,010.11 -17,428.70
Total Appropriations -2,135.35 -4,696.27 -10,228.12 -15,945.71 -17,265.83

OTHER ADDITIONAL INFORMATION

EARNINGS PER SHARE

Basic EPS (Rs.) -8 13 -20 -20 -2

Diluted EPS (Rs.) -8 13 -20 -20 -2

 Bank Performance Analysis

PROFITABILITY ANALYSIS
Mar-16 Mar-17

Rs in Crore Rs in Crore
1 Total Assets 306621.15 334694.92

2 Earning Assets
Balances with RBI 14070.20 75087.18
Balances with Banks in Deposit Accounts
Balances with Banks & money at Call & Short Notice 1499.45 3707.79
Balances with Banks Outside India - -
Investments + 89086.68 92276.56
Advances + 180895.18 140464.36
Total Earning Assets 269981.86 232740.92
3 Interest bearing Liabilities - -
Saving Deposits 82484.91 103102.50
Term & Other Deposits 172256.94 181009.95
Borrowings 9503.12 9623.30
Subordinated Debt 1888.10 1188.10
Total Interest bearing liabilities 266133.07 294923.85

Equity Capital 1689.71 1902.17

Reserves 16282.85 15626.25
Total Equity 17972.56 17528.42
5 Interest Income 19073.76 16391.68
6 Interest Expenditure 18889 18166
10 Non-interest operating income 19387857 28756440
11 Non-interest operating Expenditure 63614690 63610278
12 Provisions and Contingencies 3771 5543
Provisions and Contingencies include provision for tax 0 6.86
Profit After tax -2135 -4696

Profitability Ratios
Return on Assets= NI/ TA 0.09 0.08
Equity Multiplier TA/ TE 181.46 175.95
TE/ TA 0.55% 0.57%
ROE=ROA X EM 0.05% 0.05%

NI/ OR -4% -10%

OR/ TA 8.48% 7.40%
TA/ TE 17.06 19.09

(II - IE)/ TA 0.06% -0.53%

(OI-OE)/ TA 0.0013% 0.0012%
Provisions/TA 0.0000% 0.0020%
ROA 9.11% 8.26%

(II- IE)/E A 0.07% -0.76%

EA/ TA 88.05% 69.54%
(II - IE)/ TA 0.06% -0.53%

NIM
II/ EA 7.06% 7.04%
IE/ Intt Bearing Liab 7% 6%
Intt Bearing Liabilities/ EA 99% 127%
Spread -91% -121%

Efficiency ratio= Non intt exp/ (Net Interest Income+Non intt income) 68% 66%

Risk Ratios
Liquidity Risk= Short term securities/ Deposits 0.26 0.08
Interest Rate Risk = Interest Sensitive Assets/ Interest Sensitive Liabilit 1.35 4.97
Credit Risk = Provisioning / Assets 1.23% 1.66%
Capital Risk = Capital / Assets 0.55% 0.57%
Leverage ratio= Total equity/Total assets 0.06 0.05
Total capital ratio= (Total equity + Long-term debt + Reserve for loan
losses)/Total assets 10.81% 10.12%
Provision for loan loss ratio= PLL/ TL (provision for loan losses/total
loans and leases) 0.02 0.04
Loan Ratio = Net loans/ Total assets 86.80% 88.12%
Loss Ratio = Net charge-offs on loans (gross charge-offs minus
recoveries)/ Total loans and leases
NA NA
Reserve Ratio = Reserve for loan losses (reserve for loan losses last
year minus gross charge-offs plus PLL and recoveries)/Total loans
and leases
NA NA

Nonperforming ratio= Nonperforming assets (nonaccrual loans and

restructured loans)/Total loans and leases 0.28% 0.33%

Operating efficiency (cost control)= Wages and salaries/Total

expenses 70.12% 66.18%

Volatile liability dependency ratio= (Total volatile liabilities -

Temporary investments)/Net loans and leases NA NA

Other Financial Ratios

Tax rate = Total taxes paid/Net income before taxes 0.00% 30.69%
Gap ratio = (Interest rate-sensitive assets – Interest rate-sensitive
liabilities)/ Total assets NA NA
 Analysis and comments
Mar-18 Mar-19 Mar-20

Rs in Crore Rs in Crore Rs in Crore

327349.3 331884.64 357337.45

36000.12 20779.45 30021.92

3262.29 10518.14 6044.56

- - -
102769.46 125452.74 142525.67
157479.53 147425.48 151952.38
260248.99 272878.22 294478.05
- - -
110509.29 122138.87 130200.00
170167.02 161763.21 1221388.00
6025.68 5639.67 6076.03
800.00 530.00 530.00
287501.99 290071.75 1358194.03

2618.16 4047.20 5709.76

15592.30 15136.29 15826.73
18210.46 19183.49 21536.49
14600.95 13053.83 12609.27
17603 15935 16005
26223513 24129368 36368216
64063689 60586250 69215209
7850 8778 5482
233.11 -2528.74 211.86
-10228 -15946 -17266

0.08 0.08 0.08

125.03 82.00 62.58
Return On Assets: Return on assets indicates how much the
0.80% 1.22% 1.60%
Equity Multiplier: Equity Multiplier shows how much of the
0.07% 0.09% 0.12%
is the amount of capital lent by the company to fund the acqu
.
-21% -25% -5% Total Equity/ Total Assets: It reflects how much of the asset
7.38% 6.85% 6.63%
asset reliance on equity increased over the year, which is a po
17.98 17.30 16.59 Return On Equity:
It shows how much the company is receiving in response to it
-0.92% -0.87% -0.95%
is doing well compared to previous years.
0.0011% 0.0011% 0.0010% NI/OR: It shows how much revenue the company earns in a
0.0712% -0.7619% 0.0593% 5 per cent in 2020 which is the highest in comparison to the p
8.18% 7.58% 7.64% OR/TA: It indicates that how much the total operating sales
it is 8.48% which is less thus it needs to be improved.
-1.15% -1.06% -1.15% TA/TE: Total Asset/Total Equity (Equity Multiplier) shows ho
79.50% 82.22% 82.41% The equity multiplier is a ratio that calculates the financial lev
-0.92% -0.87% -0.95% Central Bank of India, it can be seen that the equity multiplie
In 2020 the number is 16.59
(II-IE)/TA: It represents interest income minus interest expen
5.61% 4.78% 4.28% on debts in comparison to its assets. For Central bank it is sho
6% 5% 1% (Operating Income-Operating Expenditure)/Total Assets :
interest expenditure in response to its total assets. For the ye
come only but the Central Bank of India can increase this rati
Efficiency Ratio:The efficiency ratio is usually used to assess
The efficiency ratio is decreasing from 2016 to 2020 and need
Spread: Spread is the difference between the interest rate th
 Central Bank of India, it can be seen that the equity multiplie
In 2020 the number is 16.59
(II-IE)/TA: It represents interest income minus interest expen
on debts in comparison to its assets. For Central bank it is sho
(Operating Income-Operating Expenditure)/Total Assets :
110% 106% 461% interest expenditure in response to its total assets. For the ye
-104% -101% -460% come only but the Central Bank of India can increase this rati
Efficiency Ratio:The efficiency ratio is usually used to assess
66% 63% 59% The efficiency ratio is decreasing from 2016 to 2020 and need
Spread: Spread is the difference between the interest rate th
over the years the spread of the bank has been in the range o

0.15 0.31 0.15

6.85 12.15 3.80 Liquidity Risk : The liquidity coverage ratio is the prerequ
2.40% 2.64% 1.53% Liquidity ratios are similar to the LCR in that they calculate t
0.80% 1.22% 1.60% 1. It means that the company is in good financial health and
0.06 0.06 0.06 2.That the company needs to meet its current liabilities. The
term liability.
10.05% 10.28% 9.41% Interest rate risk: Interest rate risk relates to the actual or 
Changes in interest rates often impact the bank's earnings b
The Central Bank of India is seeking to preserve its IRR, whic
0.05 0.06 0.04
87.83% 87.40% 380.09%
Credit risk: Credit risk refers to the risk of default or non-p
High credit risk means that there is a high probability of not
years and then declined in 2019-20, which is still a positive 
NA NA NA Capital to asset ratio: The capital-to-asset ratio compares 
better the position of the bank. The ratio of India's central b
Leverage Ratio:The leverage ratio is used to calculate the r
either the assets or the equity of a company. Central Bank o
NA NA NA Total Capital Ratio: The capital ratio is the proportion of t
of which is decided by the applicable agreement. Basel II sp
er the last 5 years, which means that the bank has less risk-
1.30% 1.36% NA
Provision for loan loss ratio: The Loan Loss Reserve is a ba
Loan Ratio:The ratio of loans to assets calculates the total 
a bank will be with higher defaults. Here, the net loans of th
is providing uncessary and questionable loans, which is not
62.10% 58.79% 60.90%
Loss Ratio:The loss ratio is the gross amount of unrecovera
Non Performing Ratio: The non-performing loan ratio, be
performing loans in the bank's loan portfolio to the total am
NA NA NA
Operating Efficiency
Ratio:The operating costs of the bank are in the numerator
The efficiency ratio of 50 percent or less is considered to be
35.30% 31.00% -23.06%

NA NA NA
 Analysis and comments

assets indicates how much the company is receiving in response to its assets. If we see that India's Central Bank is receiving a nearly co
ltiplier shows how much of the assets of the company or business are funded by the Equity. The equity multiplier is a ratio that calculat
y the company to fund the acquisition of assets. For the Central Bank of India, it can be seen that the equity multiplier is declining over

reflects how much of the assets are owned by the capital. The higher the ratio, the more valuable it is to the firm. In 2020 it was 1.60 p
sed over the year, which is a positive indication for the Central Bank of India.

any is receiving in response to its Equity, the higher the ratio it is more advantageous to the firm. The Central Bank of India is 0.12 per ce
vious years.
evenue the company earns in addition to its operating income and the higher the ratio the company gains. In the case of the Central Ba
e highest in comparison to the previous 5 years, which is a positive indication that the bank is doing well and giving more and more retu
much the total operating sales of the firm in comparison to its total assets. The higher the ration the better it will be for the firm. The C
t needs to be improved.
ty (Equity Multiplier) shows how much of the assets of the company or firm are funded by the Equity. 
 that calculates the financial leverage of the company, which is the amount of capital borrowed by the company to fund the acquisition
e seen that the equity multiplier is declining over the year, which is a positive indication that most of the company's assets are funded b

est income minus interest expenditure in response to the total assets. The positive and higher ratio is good for the firm which simply imp
ssets. For Central bank it is showing the negative trend over the past 5 years and it is 3.67% in the year 2020 which is indicating that Ce
ng Expenditure)/Total Assets :It shows how well the company is doing in terms of its non-interest income and non-
se to its total assets. For the year 2020 its 0.0010 per cent and over the years it is negative showing that the expenditure is more than t
k of India can increase this ratio by rising the non-operating interest income.
y ratio is usually used to assess how effectively the bank uses its assets and liabilities internally. Efficiency ratios allow investors to mea
ng from 2016 to 2020 and needs to be improved.
ce between the interest rate that the bank charges the borrower and the interest rate that the bank pays the depositor, because 
e seen that the equity multiplier is declining over the year, which is a positive indication that most of the company's assets are funded b

est income minus interest expenditure in response to the total assets. The positive and higher ratio is good for the firm which simply imp
ssets. For Central bank it is showing the negative trend over the past 5 years and it is 3.67% in the year 2020 which is indicating that Ce
ng Expenditure)/Total Assets :It shows how well the company is doing in terms of its non-interest income and non-
se to its total assets. For the year 2020 its 0.0010 per cent and over the years it is negative showing that the expenditure is more than t
k of India can increase this ratio by rising the non-operating interest income.
y ratio is usually used to assess how effectively the bank uses its assets and liabilities internally. Efficiency ratios allow investors to mea
ng from 2016 to 2020 and needs to be improved.
ce between the interest rate that the bank charges the borrower and the interest rate that the bank pays the depositor, because 
he bank has been in the range of 10% (+/-), which means that the bank's earnings are safe and stable.

y coverage ratio is the prerequisite for banks to maintain high-quality liquid assets that are adequate to finance cash outflows for 30 da
 the LCR in that they calculate the willingness of a company to satisfy its short-term financial obligations. A strong liquidity ratio is anyth
y is in good financial health and is less likely to face financial hardship. The higher the ratio, the higher the safety margin.
o meet its current liabilities. The liquidity levels of the Central Bank of India are below optimal, which means that the bank will face diffi

ate risk relates to the actual or prospective risk to the bank's capital and earnings resulting from adverse interest rate fluctuations affec
en impact the bank's earnings by adjusting interest rate-sensitive revenue and expenditures, affecting its net interest income. 
eeking to preserve its IRR, which is a positive sign.
s to the risk of default or non-payment or non-compliance by the creditor with contractual obligations. 
here is a high probability of not receiving payment from the borrower. The credit risk of the Central Bank of India increased from the las
019-20, which is still a positive sign.
apital-to-asset ratio compares the assets and capital of the company to decide if there is adequate capital to finance the assets. The hig
nk. The ratio of India's central bank has risen over the last 5 years, which is a positive indication.
e ratio is used to calculate the relative amount of debt burden that a company has sustained. These ratios equate the overall debt oblig
ty of a company. Central Bank of India has maintained a ratio of about 0.05, which is optimal.
pital ratio is the proportion of the capital of a bank to its risk-weighted assets. Weights are determined by risk-sensitivity ratios, the mea
pplicable agreement. Basel II specifies that the total capital ratio should not be less than 8 per cent of India's central bank has retained i
ans that the bank has less risk-weighted assets.
o: The Loan Loss Reserve is a balance sheet account that reflects the best estimate of potential loan losses by the bank.
ns to assets calculates the total outstanding loans as a proportion of total assets. The higher the ratio, the more risky 
faults. Here, the net loans of the Central Bank of India constitute about 60 per cent of its total assets and have risen to 343.65 per cent
uestionable loans, which is not a positive sign.
he gross amount of unrecoverable debt relative to the total outstanding debt.
 non-performing loan ratio, better known as the NPL ratio, is the ratio of the amount of non-
's loan portfolio to the total amount of outstanding loans held by the bank.

 the bank are in the numerator and the income of the bank is in the denominator, the lower performance ratio means that the bank pe
cent or less is considered to be optimum. The ratio of the Central Bank to India is  about 60 percent, so it is not a positive indication.
tral Bank is receiving a nearly consistent return on its assets over the last five years.
 multiplier is a ratio that calculates the financial debt of the company, which 
quity multiplier is declining over the year, which is a positive indication that most of the company's assets are funded by equity

to the firm. In 2020 it was 1.60 per cent where, as in 2016, it was just 0.55 per cent, suggesting that 

entral Bank of India is 0.12 per cent in 2020 compared to 0.09 per cent in 2019, which clearly indicates that the bus

ns. In the case of the Central Bank of India, it is-
l and giving more and more returns every year.
etter it will be for the firm. The Central bank of India is consistently decreasing over the years for 2020 it is 6.63% and for 2016

company to fund the acquisition of assets. For the 
e company's assets are funded by equity. 

d for the firm which simply implies that the firm is generating more interest income from its investments than its expenditure
2020 which is indicating that Central Bank of India performing level is declining.
me and non-
at the expenditure is more than the revenue that can be justified in the case of banks because most of the income is interest in

ncy ratios allow investors to measure the performance of commercial and investment banks. 

ays the depositor, because 
e company's assets are funded by equity. 

d for the firm which simply implies that the firm is generating more interest income from its investments than its expenditure
2020 which is indicating that Central Bank of India performing level is declining.
me and non-
at the expenditure is more than the revenue that can be justified in the case of banks because most of the income is interest in

ncy ratios allow investors to measure the performance of commercial and investment banks. 

ays the depositor, because 

o finance cash outflows for 30 days. 
s. A strong liquidity ratio is anything more than:- 
he safety margin.
eans that the bank will face difficulties in paying off its short-

e interest rate fluctuations affecting the bank's book position. 
ts net interest income. 

 
nk of India increased from the last 2016 to 19

ital to finance the assets. The higher the ratio, the 

tios equate the overall debt obligation with 

by risk-sensitivity ratios, the measurement 
ndia's central bank has retained its ratios of close to 10 per cent ov

ses by the bank.
he more risky 
nd have risen to 343.65 per cent, which means that the bank

nce ratio means that the bank performs better. 
 it is not a positive indication.
ets are funded by equity

that the bus

it is 6.63% and for 2016

nts than its expenditure

he income is interest in
nts than its expenditure

he income is interest in