Capital Trust Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2016 - 2020
Period Ending	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021	2016 - 2020
Interest and Dividend Income	609.51	337.75	410.04	789.11	916.61	Upgrade
Total Interest Expense	191.73	93.83	198.83	303.17	316.36	Upgrade
Net Interest Income	417.78	243.92	211.21	485.94	600.25	Upgrade
Commissions and Fees	242.34	243.5	262.96	73.41	42.8	Upgrade
Other Revenue	108.15	204.28	193.13	192.47	179.58	Upgrade
Revenue Before Loan Losses	768.27	691.7	667.31	751.81	822.62	Upgrade
Provision for Loan Losses	20.51	0.93	481.05	198.63	352.7	Upgrade
Revenue	747.76	690.77	186.25	553.18	469.92	Upgrade
Revenue Growth (YoY)	8.25%	270.88%	-66.33%	17.72%	-52.83%	Upgrade
Salaries & Employee Benefits	409.65	367.18	377.48	384.13	393.44	Upgrade
Cost of Services Provided	11.39	53.63	83.19	57.93	65.19	Upgrade
Other Operating Expenses	305.9	247	337.27	251.98	149.8	Upgrade
Total Operating Expenses	731.56	672.04	802.51	699.01	768.01	Upgrade
Operating Income	16.21	18.73	-616.26	-145.83	-298.09	Upgrade
EBT Excluding Unusual Items	16.21	20.65	-613.61	-145.38	-296.92	Upgrade
Other Unusual Items	-	8.35	-	4.4	-	Upgrade
Pretax Income	16.21	28.81	-613.27	-141.73	-293.78	Upgrade
Income Tax Expense	5.1	7.35	-156.85	-33.52	-57.53	Upgrade
Net Income	11.11	21.46	-456.41	-108.21	-236.25	Upgrade
Net Income to Common	11.11	21.46	-456.41	-108.21	-236.25	Upgrade
Net Income Growth	-48.24%	-	-	-	-	Upgrade
Shares Outstanding (Basic)	17	16	16	16	16	Upgrade
Shares Outstanding (Diluted)	17	16	16	16	16	Upgrade
Shares Change (YoY)	3.79%	-	-	-	-	Upgrade
EPS (Basic)	0.66	1.32	-28.14	-6.67	-14.57	Upgrade
EPS (Diluted)	0.66	1.32	-28.14	-6.67	-14.57	Upgrade
EPS Growth	-50.00%	-	-	-	-	Upgrade
Free Cash Flow	-200.42	196.03	741.05	155.27	176.44	Upgrade
Free Cash Flow Per Share	-11.91	12.09	45.70	9.57	10.88	Upgrade
Operating Margin	2.17%	2.71%	-330.87%	-26.36%	-63.43%	Upgrade
Profit Margin	1.49%	3.11%	-245.05%	-19.56%	-50.27%	Upgrade
Free Cash Flow Margin	-26.80%	28.38%	397.88%	28.07%	37.55%	Upgrade
Effective Tax Rate	31.46%	25.51%	-	-	-	Upgrade
Revenue as Reported	960	795.83	869.14	1,060	1,146	Upgrade

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.