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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.) Dec-2016 Dec-2015 Dec-2014 Dec-2013
Interest Earned 33,374 30,089 25,782 22,676
Other Income 8,678 6,677 5,678 5,192
Total Income 42,052 36,767 31,459 27,868
Operating Expenses ** 28,842 25,061 22,087 19,659
Operating Profit Before Prov. & Cont. 13,210 11,705 9,373 8,208
Provisions & Contingencies 9,536 2,542 1,619 1,602
Depreciation -- -- -- --
Provision For Taxes 1,220 3,094 2,577 2,231
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 2,454 6,069 5,177 4,375
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 2,454 6,069 5,177 4,375
EPS (Unit Curr.) 10.30 25.50 22 93.30
EPS (Adj) (Unit Curr.) 10.30 25.50 22 18.70
Calculated EPS (Unit Curr.)  10.30 25.50 21.90 93.20
Calculated EPS (Adj) (Unit Curr.) 10.30 25.50 21.90 18.60
Calculated EPS (Ann.) (Unit Curr.)  13.70 34 29.20 124
Calculated EPS (Adj) (Ann.) (Unit Curr.)  13.70 34 29.20 24.90
Book Value (Unit Curr.) 228 215 185 802
Dividend (%) -- -- -- --
Equity 478 476 473 469
Reserve & Surplus  -- -- -- --
Face Value 2 2 2 10
Public Shareholding (No Of.Shares)  -- -- 1,608,234,425 291,965,856
Public Shareholding (% in Equity) -- -- 68.10 62.20
(%) 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 -- -- 667,388,073 158,962,640
Non Encumbered - % in Total Promoters Holding -- -- 100 100
Non Encumbered - % in Total Equity -- -- 28.20 33.90
PBIDTM(%) 71 89.60 89.60 90.40
PBDTM(%) 11 30.50 30.10 29.10
PATM(%) 7.35 20.20 20.10 19.30
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --