Please analyse how the financials are changed since the last year. and explain the profit and loss account along with balance sheet.

CONSOLIDATED BALANCE SHEET at March 31, 2020 in '000s Schedule At 31.03.2020 At 31.03.2019 1 2 2A CAPITAL AND LIABILITIES Capital Employees stock options outstanding Reserves and surplus Minority interest Deposits Borrowings Liabilities on policies in force Other liabilities and provisions TOTAL CAPITAL AND LIABILITIES 3 12,947,649 34,858 1,216,618,065 67,947,696 8,007,844,610 2,138,517,821 1,454,862,509 874, 149, 115 13,772,922,323 12,894,598 46,755 1,129,592,715 65,805,358 6,813,169,361 2,103,241,208 1,523,787,542 739,401,370 12,387,938,907 4 5 6 7 8 ASSETS Cash and balances with Reserve Bank of India Balances with banks and money at call and short notice Investments Advances Fixed assets Other assets TOTAL ASSETS 9 353,119,341 925,409,876 4,434,726,298 7,062,461,122 104,086,576 893,119,110 13,772,922,323 380,662,784 493,246,169 3,982,007,553 6,469,616,813 96,604,227 965,801,361 12,387,938,907 10 11 30,030,535,324 484,012,620 26,120,719,378 495,791,861 Contingent liabilities 12 Bills for collection Significant accounting policies and notes to accounts 17 & 18 The Schedules referred to above form an integral part of the Consolidated Balance Sheet. As per our Report of even date. For and on behalf of the Board of Directors For Walker Chandiok & Co LLP Chartered Accountants ICAI Firm Registration no.: 001076N/N500013 Girish Chandra Chaturvedi Chairman DIN-00110996 Uday M. Chitale Director DIN-00043268 Sandeep Bakhshi Managing Director & CEO DIN-00109206 Sudhir N. Pillai Partner Membership no.: 105782 Vishakha Mulye Executive Director DIN-00203578 Anup Bagchi Executive Director DIN-00105962 Sandeep Batra President Rakesh Jha Group Chief Financial Officer Ranganath Athreya Company Secretary Ajay Mittal Chief Accountant Mumbai May 9, 2020 CONSOLIDATED PROFIT AND LOSS ACCOUNT for the year ended March 31, 2020 in '000s Schedule Year ended 31.03.2020 Year ended 31.03.2019 1. INCOME Interest earned Other income TOTAL INCOME 13 14 848,357,730 649,503,301 1,497,861,031 719,816,540 593,248,453 1,313,064,993 II. EXPENDITURE Interest expended Operating expenses Provisions and contingencies (refer note 18.6) TOTAL EXPENDITURE 15 16 446,655,222 715,178,988 223,772,141 1,385,606,351 391,775,414 642,588,800 221,809,173 1,256,173,387 III. PROFIT/(LOSS) Net profit for the year Less: Minority interest Net profit after minority interest Profit brought forward TOTAL PROFIT/(LOSS) 112,254,680 16,591,602 95,663,078 220,201,086 315,864,164 56,891,606 14,349,219 42,542,387 219,991,613 262,534,000 IV. APPROPRIATIONS/TRANSFERS Transfer to Statutory Reserve 19,828,000 8,409,000 Transfer to Reserve Fund 3,670 7,569 Transfer to Capital Reserve 3,954,400 280,000 Transfer to Capital Redemption Reserve 3,500,000 Transfer to/(from) Investment Reserve Account Transfer to/(from) Investment Fluctuation Reserve 6,690,000 12,692,000 Transfer to Special Reserve 7,966,300 5,352,000 Transfer to/(from) Revenue and other reserves 686,312 245,223 Dividend paid during the year 6,453,078 9,651,292 Corporate dividend tax paid during the year 2,282,446 1,933,076 Balance carried over to balance sheet 267,999,958 220,463,840 TOTAL 315,864, 164 262,534,000 Significant accounting policies and notes to accounts 17 & 18 Earnings per share (refer note 18.1) Basic (3) 14.81 6.61 Diluted () 14.55 6.53 Face value per share (3) 2.00 2.00 The Schedules referred to above form an integral part of the Consolidated Profit and Loss Account. As per our Report of even date. For and on behalf of the Board of Directors For Walker Chandiok & Co LLP Girish Chandra Chaturvedi Uday M. Chitale Sandeep Bakhshi Chartered Accountants Chairman Director Managing Director & CEO ICAI Firm Registration no.: DIN-00110996 DIN-00043268 DIN-00109206 001076N/N500013 Sudhir N. Pillai Partner Membership no.: 105782 Vishakha Mulye Executive Director DIN-00203578 Anup Bagchi Executive Director DIN-00105962 Sandeep Batra President CONSOLIDATED BALANCE SHEET at March 31, 2020 in '000s Schedule At 31.03.2020 At 31.03.2019 1 2 2A CAPITAL AND LIABILITIES Capital Employees stock options outstanding Reserves and surplus Minority interest Deposits Borrowings Liabilities on policies in force Other liabilities and provisions TOTAL CAPITAL AND LIABILITIES 3 12,947,649 34,858 1,216,618,065 67,947,696 8,007,844,610 2,138,517,821 1,454,862,509 874, 149, 115 13,772,922,323 12,894,598 46,755 1,129,592,715 65,805,358 6,813,169,361 2,103,241,208 1,523,787,542 739,401,370 12,387,938,907 4 5 6 7 8 ASSETS Cash and balances with Reserve Bank of India Balances with banks and money at call and short notice Investments Advances Fixed assets Other assets TOTAL ASSETS 9 353,119,341 925,409,876 4,434,726,298 7,062,461,122 104,086,576 893,119,110 13,772,922,323 380,662,784 493,246,169 3,982,007,553 6,469,616,813 96,604,227 965,801,361 12,387,938,907 10 11 30,030,535,324 484,012,620 26,120,719,378 495,791,861 Contingent liabilities 12 Bills for collection Significant accounting policies and notes to accounts 17 & 18 The Schedules referred to above form an integral part of the Consolidated Balance Sheet. As per our Report of even date. For and on behalf of the Board of Directors For Walker Chandiok & Co LLP Chartered Accountants ICAI Firm Registration no.: 001076N/N500013 Girish Chandra Chaturvedi Chairman DIN-00110996 Uday M. Chitale Director DIN-00043268 Sandeep Bakhshi Managing Director & CEO DIN-00109206 Sudhir N. Pillai Partner Membership no.: 105782 Vishakha Mulye Executive Director DIN-00203578 Anup Bagchi Executive Director DIN-00105962 Sandeep Batra President Rakesh Jha Group Chief Financial Officer Ranganath Athreya Company Secretary Ajay Mittal Chief Accountant Mumbai May 9, 2020 CONSOLIDATED PROFIT AND LOSS ACCOUNT for the year ended March 31, 2020 in '000s Schedule Year ended 31.03.2020 Year ended 31.03.2019 1. INCOME Interest earned Other income TOTAL INCOME 13 14 848,357,730 649,503,301 1,497,861,031 719,816,540 593,248,453 1,313,064,993 II. EXPENDITURE Interest expended Operating expenses Provisions and contingencies (refer note 18.6) TOTAL EXPENDITURE 15 16 446,655,222 715,178,988 223,772,141 1,385,606,351 391,775,414 642,588,800 221,809,173 1,256,173,387 III. PROFIT/(LOSS) Net profit for the year Less: Minority interest Net profit after minority interest Profit brought forward TOTAL PROFIT/(LOSS) 112,254,680 16,591,602 95,663,078 220,201,086 315,864,164 56,891,606 14,349,219 42,542,387 219,991,613 262,534,000 IV. APPROPRIATIONS/TRANSFERS Transfer to Statutory Reserve 19,828,000 8,409,000 Transfer to Reserve Fund 3,670 7,569 Transfer to Capital Reserve 3,954,400 280,000 Transfer to Capital Redemption Reserve 3,500,000 Transfer to/(from) Investment Reserve Account Transfer to/(from) Investment Fluctuation Reserve 6,690,000 12,692,000 Transfer to Special Reserve 7,966,300 5,352,000 Transfer to/(from) Revenue and other reserves 686,312 245,223 Dividend paid during the year 6,453,078 9,651,292 Corporate dividend tax paid during the year 2,282,446 1,933,076 Balance carried over to balance sheet 267,999,958 220,463,840 TOTAL 315,864, 164 262,534,000 Significant accounting policies and notes to accounts 17 & 18 Earnings per share (refer note 18.1) Basic (3) 14.81 6.61 Diluted () 14.55 6.53 Face value per share (3) 2.00 2.00 The Schedules referred to above form an integral part of the Consolidated Profit and Loss Account. As per our Report of even date. For and on behalf of the Board of Directors For Walker Chandiok & Co LLP Girish Chandra Chaturvedi Uday M. Chitale Sandeep Bakhshi Chartered Accountants Chairman Director Managing Director & CEO ICAI Firm Registration no.: DIN-00110996 DIN-00043268 DIN-00109206 001076N/N500013 Sudhir N. Pillai Partner Membership no.: 105782 Vishakha Mulye Executive Director DIN-00203578 Anup Bagchi Executive Director DIN-00105962 Sandeep Batra President