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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-2016 Mar-2015 Mar-2014 Mar-2013
Interest income 2,944 2,699 2,546 2,189
Interest expense (1,963) (1,891) (1,787) (1,565)
Net interest income 981 807 759 624
Non-interest income 410 404 280 274
Total op income 1,391 1,211 1,039 898
Total op expenses (558) (519) (458) (374)
Op profit (pre-prov) 833 693 581 523
Provisions (231) (183) (167) (120)
Exceptionals -- 10.90 -- --
Profit before tax 603 521 414 403
Taxes (158) (126) (67) (81)
Net profit 445 395 347 322
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Y/e 31 Mar ( In .Cr) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Total cash & equivalents 2,963 2,636 2,879 2,650
Investments 7,712 7,879 7,031 6,826
Advances 32,673 27,853 23,833 21,057
Total int-earning assets 43,349 38,368 33,743 30,533
Fixed assets 250 223 215 218
Other assets 1,660 1,346 1,313 1,053
Total assets 45,259 39,937 35,271 31,804
Net worth 4,841 4,163 3,570 3,052
Deposits 38,448 32,853 30,116 27,158
Borrowings 481 1,736 531 665
Total int-bearing liabs 38,929 34,589 30,647 27,823
Non-int-bearing liabs 1,489 1,186 1,054 929
Total liabilities 40,418 35,774 31,701 28,752
Equity + Total liabilities 45,259 39,937 35,271 31,804
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Particulars ( Rupees In Crores.) Dec-2019 Dec-2018 Dec-2017 Dec-2016
Interest Earned 3,127 2,783 2,532 2,374
Other Income 501 368 412 358
Total Income 3,628 3,150 2,944 2,732
Operating Expenses ** 2,621 2,248 2,031 1,986
Operating Profit Before Prov. & Cont. 1,006 902 913 746
Provisions & Contingencies 305 224 332 230
Depreciation -- -- -- --
Provision For Taxes 130 170 142 143
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 572 508 440 374
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 572 508 440 374
EPS (Unit Curr.) 7.78 7.18 6.89 6.25
EPS (Adj) (Unit Curr.) 7.78 7.18 6.26 5.17
Calculated EPS (Unit Curr.)  7.77 6.94 6.63 6.22
Calculated EPS (Adj) (Unit Curr.) 7.77 6.94 6.03 5.14
Calculated EPS (Ann.) (Unit Curr.)  10.40 9.25 8.84 8.29
Calculated EPS (Adj) (Ann.) (Unit Curr.)  10.40 9.25 8.04 6.85
Book Value (Unit Curr.) -- -- -- --
Dividend (%) -- -- -- --
Equity 73.60 73.20 66.40 60.10
Reserve & Surplus  -- -- -- --
Face Value 1 1 1 1
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) 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 -- -- -- --
Non Encumbered - % in Total Promoters Holding -- -- -- --
Non Encumbered - % in Total Equity -- -- -- --
PBIDTM(%) 82.30 81.60 81 84.30
PBDTM(%) 22.40 24.40 23 21.80
PATM(%) 18.30 18.20 17.40 15.80
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --