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Hundred thirty Crores) equity shares of `10 (Rupees ten) each and 200,000,000 (twenty Crores) 11% perpetual non- Cumulative preference Shares of `10 (Rupees ten) each vide shareholder's resolution dated April 26, 2019.
Share issue expenses are adjusted from Securities premium Account as permitted by Section 52 of the Companies Act, 2013.
Capital Adequacy Ratio
the Bank computes its Capital Adequacy Ratio as per new Capital Adequacy Framework- BASel-II and operating Guidelines for Small Finance Banks (issued by RBI on october 06, 2016)
under new Capital Adequacy Framework and operating Guidelines for Small Finance Bank issued on october 06, 2016, the Bank has to maintain a Minimum total Capital of 15% of the Credit risk weighted assets (Credit RWA) on an on-going basis. out of the Minimum total Capital, at least 7.5% shall be from Minimum tier I Capital of which common equity tier I capital shall be 6% and 1.50% from additional tier I capital and remaining tier II Capital shall be 7.5%. Further as per RBI's directions given in the circular DBR.nBD.no. 4502/16.13.218/2017- 18, dated november 8, 2017, no separate risk charge has been calculated for Market Risk and operational Risk for capital ratios.
(` in 000's)
16.17% 18.39% 0.55% Total Capital to Risk weighted asset Ratio (CRAR) (as a percentage of Credit RWA) 18.95% total Credit to Risk weighted assets 89,896,780 Amount of equity capital raised - Amount of Additional tier -I Capital Raised; of which - perpetual non-Cumulative preference Shares (pnCpS) - Amount of tier II Capital raised; of which - Debt Capital Instrument -
The capital adequacy ratio of the bank is set out below:
1.2
FINANCIAL STATEMENTS
Notes to financial statements
for the year ended March 31, 2020
SchedULe 18
1 cApiTAL
1.1 capital infusion
During the year ended March 31, 2020, the Bank successfully raised capital of `745.94 Crores through Initial public offer by issuing 20,27,02,702 equity shares of `10/-each and `250 Crores through private placement by issuing 7,14,28,570 equity shares of `10 each at premium ranging from `25 to `27. the equity shares of the Bank got listed on December 12, 2019 on national Stock exchange (nSe) and Bombay Stock exchange (BSe). Bank has also allotted 1,40,55,097 equity shares to eligible employees (including employees of ujjivan Financial Services limited "holding company") under employee Stock purchase Scheme (eSpS) 2019 at a price of `35 per equity share including premium of `25.
no capital infusion has happened during the previous year ended March 31, 2019.
the Authorised Capital of the Bank has been increased from `17,000,000,000 (Rupees one thousand Seven Hundred Crores) divided into 1,500,000,000 (one Hundred Fifty Crores) equity shares of `10 (Rupees ten) each and 200,000,000 (twenty Crores) 11% perpetual non - Cumulative preference Shares of `10 (Rupees ten) each to 25,000,000,000 (Rupees two thousand Five Hundred Crores) divided into 2,300,000,000 (two
Particulars
As at 31/03/2020
As at 31/03/2019
Common equity tier I Capital Ratio (as a percentage of Credit RWA) tier I Capital Ratio (as a percentage of Credit RWA)
tier II Capital Ratio (as a percentage of Credit RWA)
26.16%
28.01%
0.80%
28.82%
107,745,729
2,881,864
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