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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 41,388 44,022 43,750 39,548
Interest expense (31,516) (34,259) (34,086) (30,603)
Net interest income 9,872 9,763 9,664 8,944
Non-interest income 7,554 4,875 4,550 3,933
Total op income 17,426 14,639 14,214 12,877
Total op expenses (8,512) (7,492) (7,264) (6,081)
Op profit (pre-prov) 8,914 7,147 6,950 6,796
Provisions (7,272) (10,332) (3,453) (3,733)
Exceptionals -- -- -- --
Profit before tax 1,642 (3,186) 3,498 3,063
Taxes (520) 373 (795) (625)
Net profit 1,122 (2,813) 2,703 2,438
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Y/e 31 Mar ( In .Cr) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Total cash & equivalents 66,153 49,912 58,825 56,734
Investments 152,985 144,054 150,266 142,309
Advances 427,727 381,703 342,009 324,715
Total int-earning assets 646,865 575,669 551,100 523,758
Fixed assets 8,410 8,319 7,168 7,198
Other assets 42,593 36,012 29,334 26,014
Total assets 697,869 619,999 587,602 556,970
Net worth 36,177 35,605 33,686 31,603
Deposits 599,033 524,772 495,275 479,792
Borrowings 40,992 38,809 39,504 26,873
Total int-bearing liabs 640,026 563,580 534,779 506,665
Non-int-bearing liabs 21,666 20,814 19,138 18,702
Total liabilities 661,691 584,394 553,917 525,367
Equity + Total liabilities 697,869 619,999 587,602 556,970
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Particulars ( Rupees In Crores.) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Interest Earned 46,810 41,252 41,388 44,022
Other Income 6,575 6,943 7,554 4,875
Total Income 53,385 48,195 48,942 48,897
Operating Expenses ** 42,794 38,647 40,028 41,751
Operating Profit Before Prov. & Cont. 10,591 9,548 8,914 7,147
Provisions & Contingencies 12,918 16,109 7,272 10,332
Depreciation -- -- -- --
Provision For Taxes (2,674) (2,339) 520 (373)
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 347 (4,222) 1,122 (2,813)
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 347 (4,222) 1,122 (2,813)
EPS (Unit Curr.) 4.71 (70) 20.60 (54)
EPS (Adj) (Unit Curr.) 4.71 (70) 20.60 (52)
Calculated EPS (Unit Curr.)  4.61 (58) 18.80 --
Calculated EPS (Adj) (Unit Curr.) 4.61 (58) 18.80 --
Calculated EPS (Ann.) (Unit Curr.)  4.61 (58) 18.80 --
Calculated EPS (Adj) (Ann.) (Unit Curr.)  4.61 (58) 18.80 --
Book Value (Unit Curr.) 348 315 -- --
Dividend (%) -- -- 10 --
Equity 753 733 597 543
Reserve & Surplus  28,976 28,347 27,715 25,616
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI 70.60 72.60 66.30 66.30
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(%) 64.10 54.60 80.10 70.60
PBDTM(%) (5) (16) 3.97 (7.20)
PATM(%) 0.74 (10) 2.71 (6.40)
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --