Financial Statement Analysis
Trend Analysis
Mann Deshi Bank - Financials at a Glance
Years
x Balance Sheet
No of Members
Share Capital *
Investments*
Deposits*
Loans & Advances*
Total Business*
Net Profit*
Capital Adequacy (CRAR)
%Gross NPAs
%Net NPAs
Working Capital*
Credit Deposit Ratio
No of Employees
2018-19
28,155.0
690.8
4,011.3
10,844.5
6,982.3
17,826.8
101.28
0.16
0.02
0.02
12,416.0
0.64
80
2019-20
30,723.0
776.8
3,981.8
11,001.7
7,204.3
18,206.0
82.41
0.18
0.05
0.02
12,847.6
0.65
78
2020-21
30,896.0
804.7
4,469.8
12,149.9
7,855.2
20,005.0
89.32
0.18
0.08
0.03
14,324.1
0.65
68
2021-22
30,743.0
811.4
5,540.4
13,598.5
7,966.8
21,565.3
29.31
0.18
0.09
0.03
16,054.2
0.59
68
2022-23
Interpretation
30,172.0
820.7
5,855.5
It is clearly visible that the number of
15,153.0
members has more or less stayed
9,718.8
constant between the range of 30k to
24,871.8
31k.
59.67
Also, The number of employees had
0.19
decreased during the Covid
0.08
Pandemic but they have started
0.01
incresing now.
17,904.3
0.64
76
Trend Analysis
Years
x Balance Sheet
No of Members
Share Capital *
Investments*
Deposits*
Loans & Advances*
Total Business*
Net Profit*
Capital Adequacy (CRAR)
%Gross NPAs
%Net NPAs
Working Capital*
Credit Deposit Ratio
No of Employees
2018-19
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
2019-20
109%
112%
99%
101%
103%
102%
81%
109%
193%
121%
103%
102%
98%
2020-21
110%
116%
111%
112%
113%
112%
88%
111%
323%
159%
115%
100%
85%
2021-22
109%
117%
138%
125%
114%
121%
29%
113%
346%
158%
129%
91%
85%
2022-23
Interpretation
107%
The share capital has increased
119%
which means that the company has
146%
raised more money in order to
140%
expand its operations. This claim gets
139%
further solidified due to the constant
140%
increase in the deposits, investments
59%
and loans& advances. But the net
115%
profit of the bank has decreased
339%
rapidly which is a cause of concern.
34%
Also, the gross NPAs have increased
144%
(although Net NPAs are constant)
100%
which is a threat for the bank.
95%