| Particulars | Dec-12
(Rs.Cr) | Dec-11
(Rs.Cr) | Dec-10
(Rs.Cr) | | Interest Earned | 6,915 | 5,829 | 4,574 | | Operating Expenses | 6,092 | 4,973 | 3,910 | | Operating Profit Before Prov. & Cont. | 1,539 | 1,351 | 1,082 | | Provisions & Contingencies | 1,001 | 666 | 546 | | Depreciation | 0 | 0 | 0 | | Provision for Taxes | 178 | 202 | 155 | | Deferred Tax | 0 | 0 | 0 | | Net Profit | 361 | 483 | 381 | | | | | | | Extra-ordinary Items | 0 | 0 | 0 | | Adjusted Profit After Extra-ordinary item | 361 | 483 | 381 | | | | | | | EPS (Unit Curr.) | 8 | 12 | 11 | | EPS (Adj) (Unit Curr.) | 8 | 12 | 11 | | Calculated EPS (Unit Curr.) | 10 | 14 | 12 | | Calculated EPS (Adj) (Unit Curr.) | 10.0 | 14.0 | 12.0 | | Calculated EPS (Ann.) (Unit Curr.) | 13.3 | 18.7 | 16.0 | | Calculated EPS (Adj) (Ann.) (Unit Curr.) | 13.3 | 18.7 | 16.0 | | Book Value (Unit Curr.) | 0.0 | 0.0 | 0.0 | | Dividend (%) | 0.0 | 0.0 | 0.0 | | Equity | 361.0 | 344.4 | 316.4 | | Reserve & Surplus | 3,778.0 | 3,218.8 | 2,584.9 | | Face Value | 10.0 | 10.0 | 10.0 | | | | | | | Non-Promoter Holding Shares | 66,578,299 | 50,000,000 | 50,000,000 | | Non-Promoter Holding (%) | 18.4 | 14.5 | 15.8 | | (%) of shares held by GOI | 81.6 | 85.5 | 84.2 | | | | | | | PBIDTM(%) | 80 | 80 | 77 | | PBDTM(%) | 7.79 | 11.75 | 11.71 | | PATM(%) | 5.22 | 8.29 | 8.32 | | | | | | | Capital Adequacy Ratio | 10.20 | 10.37 | 10.26 | | Tier I Capital | 0.00 | 0.00 | 0.00 | | Tier II Capital | 0.00 | 0.00 | 0.00 | | | | | | | Gross Non Performing Assets | 2,901.71 | 1,939.07 | 1,485.29 | | Net Non Performing Assets | 1,416.18 | 1,178.39 | 762.98 | | (%) Gross Non Performing Assets | 4.42 | 3.28 | 2.93 | | (%) Net Non Performing Assets | 2.22 | 2.01 | 1.52 | | Return on Assets(Annualised) | 0.47 | 0.73 | 0.65 | | | | | |
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