| Mar'18 | Mar'17 | Mar'16 | Mar'15 | Mar'14 | Mar'13 | Mar'12 | Mar'11 | Mar'10 |
|---|---|---|---|---|---|---|---|---|
Cash flows from operating activities: | ||||||||
Net income before noncontrolling interest | ||||||||
2,746 | 2,170 | 1,781 | 1,596 | 1,324 | 1,139 | 982 | 932 | 553 |
Adjustment to reconcile net income to net cash provided by operating activities | ||||||||
Provision for credit losses | ||||||||
912 | 585 | 325 | 272 | 290 | 232 | 154 | 216 | 404 |
Depreciation and amortization | ||||||||
148 | 136 | 112 | 110 | 116 | 122 | 109 | 115 | 92 |
Amortization of intangible assets | ||||||||
0 | 0 | 0 | 3 | 25 | 42 | 45 | 57 | 83 |
Amortization of deferred customer acquisition costs | ||||||||
142 | 122 | 106 | 84 | 59 | 68 | 90 | 89 | 81 |
Amortization of premium (discount) on investments | ||||||||
-55 | -40 | -13 | 5 | 16 | 16 | -6 | -38 | -83 |
Other than temporary impairment losses on available for sale securities | ||||||||
2 | 0 | 0 | 0 | 11 | 28 | 25 | 4 | 9 |
Deferred tax benefit | ||||||||
-159 | -77 | -21 | -5 | -33 | -89 | -38 | -27 | -29 |
Share-based compensation expense | ||||||||
101 | 126 | 190 | 146 | 91 | 83 | 76 | 76 | 79 |
Net realized (gain) loss on sale of available for sale securities | ||||||||
166 | 148 | 85 | 82 | 29 | 40 | -25 | 8 | 101 |
(Gain) loss on disposal of property and equipment, net | ||||||||
1 | -0 | 0 | 1 | 0 | -0 | 0 | -0 | 0 |
Exchange (gain) loss | ||||||||
-26 | -6 | -8 | 55 | 126 | 40 | 60 | -10 | -33 |
Net change in: | ||||||||
Investments held for trading | ||||||||
2,024 | -543 | 140 | -60 | -460 | 205 | 851 | 225 | -160 |
Accrued interest receivable | ||||||||
161 | 140 | 187 | 83 | 99 | 141 | 135 | 134 | 11 |
Other assets | ||||||||
-1,390 | 1,010 | 326 | -1,174 | 1,257 | -882 | 1,163 | -57 | -665 |
Accrued interest payable | ||||||||
322 | 50 | 122 | 76 | -507 | 113 | 475 | 174 | -295 |
Accrued expense and other liabilities | ||||||||
-1,886 | 3,443 | 666 | -1,537 | 1,810 | -867 | 993 | -251 | 615 |
Net cash provided by operating activities | ||||||||
1,447 | 5,848 | 2,567 | 1,755 | 2,119 | 1,311 | 736 | 1,125 | 2,426 |
Cash flows from investing activities: | ||||||||
Net change in term placements | ||||||||
135 | -274 | -318 | -104 | -379 | 901 | 946 | 986 | 526 |
Activity in available for sale securities: | ||||||||
Purchases | ||||||||
23,315 | 44,566 | 46,461 | 22,196 | 7,853 | 13,631 | 10,876 | 8,216 | 5,148 |
Proceeds from sales | ||||||||
3,028 | 6,361 | 17,043 | 2,241 | 1,478 | 1,331 | 178 | 722 | 3,619 |
Maturities, prepayments and calls | ||||||||
17,989 | 35,076 | 23,865 | 11,030 | 7,935 | 8,631 | 7,135 | 3,968 | 1,837 |
Net change in repurchase options and reverse repurchase agreements | ||||||||
7,096 | 5,474 | -3,873 | -1,696 | 3,255 | -1,630 | 213 | -1,796 | -122 |
Loans purchased | ||||||||
848 | 1,981 | 1,881 | 1,323 | 1,115 | 947 | 1,125 | 1,461 | 1,618 |
Repayments on loans purchased | ||||||||
1,182 | 922 | 712 | 569 | 800 | 744 | 811 | 634 | 530 |
Increase in loans originated, net of principal collections | ||||||||
22,125 | 14,755 | 14,602 | 10,787 | 11,157 | -9,238 | -7,465 | 6,805 | 6,336 |
Additions to property and equipment | ||||||||
141 | 194 | 150 | 143 | 162 | 183 | 155 | 131 | 133 |
Proceeds from sale or disposal of property and equipment | ||||||||
1 | 1 | 1 | 5 | 2 | 0 | 0 | 2 | 2 |
Net cash used in investing activities | ||||||||
-31,459 | -24,336 | -17,280 | -18,803 | -12,947 | -12,563 | -12,656 | -10,477 | -7,650 |
Cash flows from financing activities: | ||||||||
Net increase in deposits | ||||||||
22,225 | 15,106 | 14,051 | 13,239 | 11,815 | 9,047 | 7,569 | 9,200 | 5,480 |
Net increase (decrease) in short-term borrowings | ||||||||
7,012 | 1,059 | 594 | 988 | 8 | 607 | 759 | -475 | 1,574 |
Purchase of subsidiary shares from noncontrolling interest | ||||||||
2 | 0 | 0 | 11 | 37 | - | - | - | - |
Proceeds from issue of shares by a subsidiary to noncontrolling interests | ||||||||
5 | 4 | 0 | 5 | 2 | 0 | 0 | 2 | - |
Proceeds from issuance of long-term debt | ||||||||
6,535 | 5,166 | 1,949 | 1,673 | 2,439 | 2,984 | 1,735 | 509 | 226 |
Repayment of long-term debt | ||||||||
3,458 | 1,897 | 1,198 | 791 | 851 | 841 | 121 | 119 | 20 |
Proceeds from issuance of equity shares for options exercised | ||||||||
418 | 348 | 184 | 159 | 120 | 200 | 104 | 185 | 123 |
Proceeds from issuance of equity shares | ||||||||
0 | 0 | 0 | 1,560 | - | - | - | 0 | - |
Proceeds from application for issuance of equity shares for options exercised pending allotment | ||||||||
- | - | - | 0 | 0 | 4 | 0 | - | 802 |
Payment of dividends and dividend tax | ||||||||
529 | 451 | 367 | 309 | 256 | 216 | 175 | 144 | 110 |
Net cash provided by financing activities | ||||||||
32,207 | 19,336 | 15,214 | 16,513 | 13,240 | 11,786 | 9,871 | 9,158 | 8,076 |
Effect of exchange rate changes on cash and cash equivalents | ||||||||
7 | -31 | 51 | 58 | 123 | 28 | 67 | -0 | -41 |
Net change in cash and cash equivalents | ||||||||
2,203 | 817 | 551 | -476 | 2,534 | 563 | -1,981 | -194 | 2,810 |
Supplementary cash flow information: | ||||||||
Interest paid | ||||||||
6,132 | 5,712 | 4,899 | 4,167 | 4,334 | 3,496 | 2,494 | 1,932 | 2,024 |
Income taxes paid | ||||||||
1,537 | 1,185 | 1,066 | 906 | 701 | 703 | 553 | 521 | 323 |
Non-cash investment activities | ||||||||
Payable for purchase of property and equipment | ||||||||
16 | 8 | 13 | 16 | 13 | 19 | 6 | 12 | 4 |