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Y/e 31 Mar - - - -
Growth matrix (%)        
Net interest income -- -- -- --
Total op income -- -- -- --
Op profit (pre-provision) -- -- -- --
Net profit -- -- -- --
Advances -- -- -- --
Deposits -- -- -- --
Total assets -- -- -- --
Profitability Ratios (%)        
NIM -- -- -- --
Non-int inc/Total inc -- -- -- --
Return on Avg Equity -- -- -- --
Return on Avg Assets -- -- -- --
Per share ratios ()        
EPS -- -- -- --
Adj.BVPS -- -- -- --
DPS -- -- -- --
Other key ratios (%)        
Credit/Deposits -- -- -- --
Cost/Income -- -- -- --
CASA -- -- -- --
CAR -- -- -- --
Tier-I capital -- -- -- --
Gross NPLs/Loans -- -- -- --
Prov/Avg loans -- -- -- --
Net NPLs/Net loans -- -- -- --
Tax rate -- -- -- --
Dividend yield -- -- -- --
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Y/e 31 Mar ( In .Cr) Mar-2017 Mar-2016 Mar-2015 Mar-2014
Interest income 17,660 18,885 19,716 18,747
Interest expense (12,373) (12,986) (13,538) (13,435)
Net interest income 5,287 5,898 6,178 5,311
Non-interest income 2,644 1,910 1,996 2,166
Total op income 7,931 7,809 8,174 7,477
Total op expenses (4,065) (3,675) (3,714) (3,457)
Op profit (pre-prov) 3,867 4,134 4,460 4,020
Provisions (4,471) (5,253) (2,857) (2,384)
Exceptionals -- -- -- --
Profit before tax (605) (1,119) 1,603 1,637
Taxes 291 376 (982) (465)
Net profit (314) (743) 621 1,172
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Y/e 31 Mar ( In .Cr) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Total cash & equivalents 14,234 21,382 22,055 22,356
Investments 79,558 67,714 55,136 57,155
Advances 142,212 152,061 150,753 152,372
Total int-earning assets 236,004 241,157 227,944 231,883
Fixed assets 3,538 3,132 3,192 3,256
Other assets 9,654 9,079 6,607 5,374
Total assets 249,196 253,367 237,743 240,513
Net worth 16,026 11,768 14,714 14,754
Deposits 214,334 213,604 201,870 200,644
Borrowings 12,489 21,401 14,670 18,707
Total int-bearing liabs 226,823 235,004 216,541 219,351
Non-int-bearing liabs 6,346 6,595 6,488 6,407
Total liabilities 233,169 241,599 223,029 225,759
Equity + Total liabilities 249,196 253,367 237,743 240,513
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Particulars ( Rupees In Crores.) Dec-2019 Sep-2019 Jun-2019 Mar-2019
Interest Earned 4,226 4,112 4,323 4,037
Other Income 635 511 424 566
Total Income 4,860 4,623 4,747 4,603
Operating Expenses ** 3,963 3,990 3,888 3,969
Operating Profit Before Prov. & Cont. 898 633 860 634
Provisions & Contingencies 3,092 2,741 1,009 5,284
Depreciation -- -- -- --
Provision For Taxes (208) 6.32 (277) (815)
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit (1,986) (2,114) 128 (3,834)
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item (1,986) (2,114) 128 (3,834)
EPS (Unit Curr.) (5.30) (5.70) 0.39 (22)
EPS (Adj) (Unit Curr.) (5.30) (5.70) 0.39 (22)
Calculated EPS (Unit Curr.)  (5.30) (5.70) 0.34 (18)
Calculated EPS (Adj) (Unit Curr.) (5.30) (5.70) 0.34 (18)
Calculated EPS (Ann.) (Unit Curr.)  (21) (23) 1.38 (73)
Calculated EPS (Adj) (Ann.) (Unit Curr.)  (21) (23) 1.38 (73)
Book Value (Unit Curr.) 24.60 29.90 35.50 29.50
Dividend (%) -- -- -- --
Equity 3,722 3,722 3,722 2,097
Reserve & Surplus  4,090 4,090 4,090 4,090
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI 92 92 92 85.80
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- -- -- --
Non Encumbered - % in Total Promoters Holding -- -- -- --
Non Encumbered - % in Total Equity -- -- -- --
PBIDTM(%) 16.40 17.70 61.20 (46)
PBDTM(%) (52) (51) (3.50) (115)
PATM(%) (47) (51) 2.96 (95)
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --