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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 16,040 16,244 15,853 15,249
Interest expense (10,894) (11,798) (11,392) (10,889)
Net interest income 5,146 4,446 4,461 4,360
Non-interest income 2,211 1,781 1,363 1,372
Total op income 7,357 6,228 5,825 5,732
Total op expenses (3,357) (3,196) (2,811) (2,832)
Op profit (pre-prov) 4,001 3,032 3,014 2,901
Provisions (2,242) (2,077) (1,545) (1,425)
Exceptionals -- -- -- --
Profit before tax 1,758 955 1,469 1,476
Taxes (353) (244) (463) (317)
Net profit 1,406 711 1,005 1,159
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Y/e 31 Mar ( In .Cr) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Total cash & equivalents 20,020 12,928 10,042 11,999
Investments 64,992 71,398 67,552 53,089
Advances 181,262 156,569 127,699 129,049
Total int-earning assets 266,274 240,894 205,293 194,138
Fixed assets 3,961 3,418 3,443 3,511
Other assets 9,829 8,403 9,498 6,062
Total assets 280,065 252,716 218,233 203,710
Net worth 19,389 18,448 17,162 16,260
Deposits 242,076 208,294 182,509 178,286
Borrowings 12,138 19,760 12,637 3,509
Total int-bearing liabs 254,213 228,054 195,146 181,795
Non-int-bearing liabs 6,463 6,213 5,925 5,655
Total liabilities 260,677 234,267 201,071 187,451
Equity + Total liabilities 280,065 252,716 218,233 203,710
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Particulars ( Rupees In Crores.) Mar-2020 Mar-2019 Mar-2018 Mar-2017
Interest Earned 21,405 19,185 17,114 16,040
Other Income 3,312 1,883 2,406 2,211
Total Income 24,717 21,068 19,519 18,251
Operating Expenses ** 18,219 16,187 14,518 14,250
Operating Profit Before Prov. & Cont. 6,498 4,881 5,001 4,001
Provisions & Contingencies 5,125 4,596 3,925 2,242
Depreciation -- -- -- --
Provision For Taxes 619 (38) (183) 353
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 753 322 1,259 1,406
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 753 322 1,259 1,406
EPS (Unit Curr.) 16.40 7.91 26.20 29.30
EPS (Adj) (Unit Curr.) 16.40 7.91 26.20 29.30
Calculated EPS (Unit Curr.)  12.40 6.70 26.20 29.30
Calculated EPS (Adj) (Unit Curr.) 12.40 6.70 26.20 29.30
Calculated EPS (Ann.) (Unit Curr.)  12.40 6.70 26.20 29.30
Calculated EPS (Adj) (Ann.) (Unit Curr.)  12.40 6.70 26.20 29.30
Book Value (Unit Curr.) 302 329 330 301
Dividend (%) -- -- -- 60
Equity 609 480 480 480
Reserve & Surplus  18,493 15,813 15,347 13,981
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI 83.50 81.50 81.90 82.10
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(%) 70.90 64.90 69.70 78.90
PBDTM(%) 6.41 1.48 6.29 11
PATM(%) 3.52 1.68 7.36 8.76
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --