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Financials Projections and Assumptions

The document shows quarterly financial statistics for a bank from September 2021 to December 2019. It includes interest earned, other income, total income, expenditures on items like interest expended, employee costs, other expenses, operating profit, provisions and contingencies, profit before and after tax, net profit, and net profit per employee. Key assumptions for projected post-merger stats include a 1% increase in lending, 3% increase in deposits, 0.5% reduction in employee costs, 0.5% decrease in interest expended, capital expenditure on IT infrastructure, and overall impact of operational efficiencies reducing expenses by 7%.

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80 views4 pages

Financials Projections and Assumptions

The document shows quarterly financial statistics for a bank from September 2021 to December 2019. It includes interest earned, other income, total income, expenditures on items like interest expended, employee costs, other expenses, operating profit, provisions and contingencies, profit before and after tax, net profit, and net profit per employee. Key assumptions for projected post-merger stats include a 1% increase in lending, 3% increase in deposits, 0.5% reduction in employee costs, 0.5% decrease in interest expended, capital expenditure on IT infrastructure, and overall impact of operational efficiencies reducing expenses by 7%.

Uploaded by

nishant
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd
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Estimated Estimated Estimated

Sep '21 Jun '21 Mar '21

Interest Earned
(a) Int. /Disc. on Adv/Bills 7236.73 7165.08 7143.65
(b) Income on Investment 2833.98 2819.89 2812.85
(c) Int. on balances With RBI 74.08 71.93 69.83
(d) Others 13.31 13.58 13.86
Other Income 1403.1 1401.0 1398.9
TOTAL INCOME 11561.2 11471.5 11439.1
EXPENDITURE
Interest Expended 5645.80 5674.17 5702.68
Employees Cost 1552.10 1559.90 1567.74
Other Expenses 836.08 899.01 966.68
Depreciation
Operating Profit before Provisions and contingencies 3527.23 3338.39 3201.99
Provisions And Contingencies 2245.61 2268.29 2291.21
TOTAL EXPENDITURE 13806.83 13739.77 13730.30
Exceptional Items
P/L Before Tax 1281.62 1070.10 910.79
Tax 441.60 368.72 313.83
P/L After Tax from Ordinary Activities 840.02 701.38 596.96
Increase in Profit from previous year
Extra Ordinary Items
Net Profit/(Loss) For the Period 840.02 701.38 596.96
Increase in Net Profit 19.77 17.49 16.08

Number of Employees 39861 41093 42364


Net Profit per Employee 210738.93 170679.27 140911.29
Actual Actual Actual Actual Actual Post-Merger stats
Dec '20 Sep '20 Jun '20 Mar '20 Dec '19 Number of customers
Number of employees

7132.95 7148.07 7149.08 4036.77 4050.43


2808.64 2794.74 2774.88 1402.55 1366.34 ASSUMPTIONS
68.8 99.52 180.25 49.95 46.49
14.14 15.04 15.74 3.45 3.74 Increase in lending by 1% from Atmanirbhar
1396.81 1611.74 1326.75 841.64 1038.63 Increase in customer deposits by 3% from Di
11421.3 11669.1 11446.7 6334.4 6505.6 Reduction in Employee Cost by 0.5 % as shif
Decrease in Interest expended by 0.5% as a re
5711.25 5913.34 6245.66 3489.97 3511.81
1571.67 1750.37 1654.03 624.12 593 Other Expenses
1039.44 1010.46 793.67 517.02 482.01
-- -- -- -- -- Capital Expenditure on Server Installation an
3098.99 2994.95 2753.34 1703.26 1918.8 20% of overall expense
2314.35 2284.12 2139.12 1891.86 1529.27
13735.70 13953.24 13585.82 8226.23 8034.89
-- -- -- -- -- Distributed over 10 years
784.64 710.83 614.22 -188.6 389.54
270.36 298.55 244.96 29.13 142.37 Server Maintenance
514.29 412.28 369.26 -217.74 247.16 Marketing Expense
-- -- -- -- -- 20% increase
-- -- -- -- -- Distributed over 5 years
514.29 412.28 369.26 -217.74 247.16
10.38 15.73 Benefits from Operational Efficiency

43675 43242 42814 20924 19604 Overall Impact on expenses


117755.05 95342.18 86247.49 -104062.32 126076.31
st-Merger stats
120,000,000
43000

y 1% from Atmanirbhar scheme products


deposits by 3% from Digital Banking
ee Cost by 0.5 % as shift to digital from physical
expended by 0.5% as a result of high CASA ratio

on Server Installation and App Development

2% increase

2% increase

4% increase

ional Efficiency 15% decrease

xpenses 7% decrease

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