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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 18,027 17,635 16,369 14,297
Interest expense (12,496) (12,314) (11,831) (10,560)
Net interest income 5,532 5,321 4,538 3,737
Non-interest income 2,308 1,564 1,500 1,333
Total op income 7,840 6,885 6,038 5,070
Total op expenses (3,452) (2,925) (2,739) (2,310)
Op profit (pre-prov) 4,388 3,960 3,298 2,760
Provisions (4,029) (2,956) (2,080) (2,027)
Exceptionals -- -- -- --
Profit before tax 359 1,004 1,218 734
Taxes (185) (464) (580) (298)
Net profit 174 540 638 436
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Y/e 31 Mar ( In .Cr) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Total cash & equivalents 15,034 15,944 17,735 8,972
Investments 62,953 64,770 59,697 53,864
Advances 158,823 149,064 136,846 130,788
Total int-earning assets 236,810 229,779 214,279 193,624
Fixed assets 1,558 1,473 1,531 1,368
Other assets 10,944 10,919 7,290 5,567
Total assets 249,311 242,171 223,099 200,560
Net worth 13,165 10,818 11,367 10,994
Deposits 219,821 208,070 195,441 174,302
Borrowings 10,278 18,269 8,855 9,716
Total int-bearing liabs 230,099 226,340 204,296 184,018
Non-int-bearing liabs 6,047 5,014 7,436 5,547
Total liabilities 236,146 231,353 211,733 189,565
Equity + Total liabilities 249,311 242,171 223,099 200,560
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Particulars ( Rupees In Crores.) Dec-2019 Dec-2018 Dec-2017 Dec-2016
Interest Earned 14,858 14,079 13,369 13,253
Other Income 1,777 1,584 1,885 1,658
Total Income 16,635 15,664 15,254 14,911
Operating Expenses ** 12,684 11,929 11,259 11,958
Operating Profit Before Prov. & Cont. 3,951 3,735 3,995 2,954
Provisions & Contingencies 3,441 4,922 5,393 2,729
Depreciation -- -- -- --
Provision For Taxes 226 365 (521) 85
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 285 (1,553) (877) 139
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 285 (1,553) (877) 139
EPS (Unit Curr.) 0.96 (11) (10) 2.04
EPS (Adj) (Unit Curr.) 0.96 (11) (10) 2.04
Calculated EPS (Unit Curr.)  0.95 (8.90) (10) 2.04
Calculated EPS (Adj) (Unit Curr.) 0.95 (8.90) (10) 2.04
Calculated EPS (Ann.) (Unit Curr.)  1.27 (12) (13) 2.72
Calculated EPS (Adj) (Ann.) (Unit Curr.)  1.27 (12) (13) 2.72
Book Value (Unit Curr.) 34.90 43.80 107 154
Dividend (%) -- -- -- --
Equity 2,984 1,739 873 681
Reserve & Surplus  9,321 8,784 9,836 9,623
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI 87.80 84.80 69.80 61.30
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(%) 69 56.90 55 72.70
PBDTM(%) 3.43 (8.40) (10) 1.69
PATM(%) 1.92 (11) (6.60) 1.05
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --
Open Demat Account