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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 1,204 1,284 1,292 1,308
Interest expense (900) (985) (1,012) (1,032)
Net interest income 305 299 280 276
Non-interest income 76.70 84.90 73.40 114
Total op income 381 384 354 391
Total op expenses (381) (358) (347) (339)
Op profit (pre-prov) 0.50 25.60 6.06 51.40
Provisions (210) (267) (258) (75)
Exceptionals -- -- -- --
Profit before tax (209) (241) (252) (23)
Taxes 0.01 -- (0.10) 25.90
Net profit (209) (241) (252) 2.62
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Y/e 31 Mar ( In .Cr) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Total cash & equivalents 623 872 808 833
Investments 4,037 4,365 4,194 3,792
Advances 6,289 6,110 6,446 6,953
Total int-earning assets 10,949 11,347 11,448 11,578
Fixed assets 202 204 214 179
Other assets 651 739 674 709
Total assets 11,802 12,289 12,336 12,466
Net worth 761 749 654 508
Deposits 10,603 10,920 11,294 11,499
Borrowings 200 392 145 107
Total int-bearing liabs 10,804 11,312 11,439 11,606
Non-int-bearing liabs 237 228 243 352
Total liabilities 11,041 11,540 11,682 11,958
Equity + Total liabilities 11,802 12,289 12,336 12,466
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Particulars ( Rupees In Crores.) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Interest Earned 971 1,013 1,089 1,204
Other Income 52.70 102 111 76.70
Total Income 1,024 1,116 1,200 1,281
Operating Expenses ** 929 970 1,106 1,370
Operating Profit Before Prov. & Cont. 94.90 146 94.10 (89)
Provisions & Contingencies 83.30 171 81.70 107
Depreciation -- -- -- --
Provision For Taxes -- -- -- 13.30
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 11.70 (25) 12.40 (209)
Extra-ordinary Items -- -- -- (86)
Adjusted Profit After Extra-ordinary item 11.70 (25) 12.40 (123)
EPS (Unit Curr.) 0.46 (1) 0.59 (12)
EPS (Adj) (Unit Curr.) 0.46 (1) 0.59 (12)
Calculated EPS (Unit Curr.)  0.46 (1) 0.59 (12)
Calculated EPS (Adj) (Unit Curr.) 0.46 (1) 0.59 (12)
Calculated EPS (Ann.) (Unit Curr.)  0.46 (1) 0.59 (12)
Calculated EPS (Adj) (Ann.) (Unit Curr.)  0.46 (1) 0.59 (12)
Book Value (Unit Curr.) 30.10 30 31 --
Dividend (%) -- -- -- --
Equity 253 253 210 177
Reserve & Surplus  368 356 304 238
Face Value 10 10 10 10
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(%) 65.50 63.40 70.70 58.40
PBDTM(%) 1.20 (2.50) 1.14 (16)
PATM(%) 1.20 (2.50) 1.14 (17)
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --