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Y/e 31 Mar Mar-2017 Mar-2016 Mar-2015 Mar-2014
Growth matrix (%)        
Net interest income 7.49 18.30 19 23.60
Total op income 13.70 16 16.70 19.40
Op profit (pre-provision) 9.20 20.30 16.80 23.10
Net profit (55) 11.80 18.30 20
Advances 10.10 20.50 22.20 16.80
Deposits 15.80 11 14.80 11.20
Total assets 11.40 16.90 20.50 12.50
Profitability Ratios (%)        
NIM -- -- 3.92 3.81
Non-int inc/Total inc 39.30 35.80 37 38.30
Return on Avg Equity 6.76 16.80 17.80 17.40
Return on Avg Assets 0.64 1.64 1.74 1.72
Per share ratios ()        
EPS 15.40 34.50 30.10 5.16
Adj.BVPS -- -- -- --
DPS 5 5 4.60 4
Other key ratios (%)        
Credit/Deposits 0.90 0.95 0.87 0.82
Cost/Income 121 110 116 114
CASA 51 47 45 45
CAR 15 15.30 15.10 16.10
Tier-I capital 11.90 12.50 12.10 12.60
Gross NPLs/Loans -- -- -- --
Prov/Avg loans 3.40 1.20 0.91 0.99
Net NPLs/Net loans -- -- -- --
Tax rate 0.49 0.51 0.50 0.50
Dividend yield 1.02 1.12 0.82 6.85
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Y/e 31 Mar ( In .Cr) Mar-2017 Mar-2016 Mar-2015 Mar-2014
Interest income 44,542 40,988 35,479 30,641
Interest expense (26,449) (24,155) (21,254) (18,690)
Net interest income 18,093 16,833 14,224 11,952
Non-interest income 11,691 9,371 8,365 7,405
Total op income 29,784 26,204 22,589 19,357
Total op expenses (12,200) (10,101) (9,204) (7,901)
Op profit (pre-prov) 17,585 16,104 13,385 11,456
Provisions (12,117) (3,710) (2,328) (2,107)
Exceptionals -- -- -- --
Profit before tax 5,468 12,394 11,058 9,349
Taxes (1,788) (4,170) (3,700) (3,131)
Net profit 3,679 8,224 7,358 6,218
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Y/e 31 Mar ( In .Cr) Mar-2017 Mar-2016 Mar-2015 Mar-2014
Total cash & equivalents 50,256 33,325 36,099 28,239
Investments 128,793 131,524 117,550 113,548
Advances 373,069 338,774 281,083 230,067
Total int-earning assets 552,119 503,623 434,732 371,854
Fixed assets 3,747 3,523 2,514 2,410
Other assets 45,693 32,850 24,731 9,023
Total assets 601,559 539,996 461,978 383,287
Net worth 55,763 53,165 44,677 38,220
Deposits 414,379 357,968 322,442 280,945
Borrowings 105,031 108,580 79,758 50,291
Total int-bearing liabs 519,410 466,548 402,200 331,236
Non-int-bearing liabs 26,387 20,283 15,101 13,831
Total liabilities 545,797 486,831 417,301 345,067
Equity + Total liabilities 601,559 539,996 461,978 383,287
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Particulars ( Rupees In Crores.) Mar-2017 Mar-2016 Mar-2015 Mar-2014
Interest Earned 44,542 40,988 35,479 30,641
Other Income 11,691 9,371 8,365 7,405
Total Income 56,233 50,360 43,844 38,046
Operating Expenses ** 38,649 34,256 30,458 26,590
Operating Profit Before Prov. & Cont. 17,585 16,104 13,385 11,456
Provisions & Contingencies 12,117 3,710 2,329 2,107
Depreciation -- -- -- --
Provision For Taxes 1,788 4,170 3,699 3,131
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 3,679 8,224 7,358 6,218
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 3,679 8,224 7,358 6,218
EPS (Unit Curr.) 15.40 34.60 31.20 133
EPS (Adj) (Unit Curr.) 15.40 34.60 31.20 26.50
Calculated EPS (Unit Curr.)  15.40 34.50 31 132
Calculated EPS (Adj) (Unit Curr.) 15.40 34.50 31 26.50
Calculated EPS (Ann.) (Unit Curr.)  15.40 34.50 31 132
Calculated EPS (Adj) (Ann.) (Unit Curr.)  15.40 34.50 31 26.50
Book Value (Unit Curr.) 233 223 188 813
Dividend (%) 250 250 230 200
Equity 479 477 474 470
Reserve & Surplus  55,284 52,688 44,202 37,751
Face Value 2 2 2 10
Public Shareholding (No Of.Shares)  -- -- 1,620,345,997 315,748,384
Public Shareholding (% in Equity) -- -- 68.40 67.20
(%) of shares held by GOI -- -- -- --
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- -- 662,093,177 138,782,400
Non Encumbered - % in Total Promoters Holding -- -- 100 100
Non Encumbered - % in Total Equity -- -- 27.90 29.50
PBIDTM(%) 71.70 89.20 91.10 91.50
PBDTM(%) 12.30 30.20 31.20 30.50
PATM(%) 8.26 20.10 20.70 20.30
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --