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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.) Dec-2019 Dec-2018 Dec-2017 Dec-2016
Interest Earned 15,912 14,217 12,650 12,023
Other Income 2,471 1,313 1,916 1,626
Total Income 18,383 15,530 14,565 13,649
Operating Expenses ** 13,588 11,895 10,728 10,719
Operating Profit Before Prov. & Cont. 4,795 3,635 3,837 2,931
Provisions & Contingencies 3,233 2,958 2,378 1,436
Depreciation -- -- -- --
Provision For Taxes 590 166 332 409
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 971 512 1,127 1,086
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 971 512 1,127 1,086
EPS (Unit Curr.) 19.50 10.70 23.50 22.60
EPS (Adj) (Unit Curr.) 19.50 10.70 23.50 22.60
Calculated EPS (Unit Curr.)  16 10.70 23.50 22.60
Calculated EPS (Adj) (Unit Curr.) 16 10.70 23.50 22.60
Calculated EPS (Ann.) (Unit Curr.)  21.30 14.20 31.30 30.10
Calculated EPS (Adj) (Ann.) (Unit Curr.)  21.30 14.20 31.30 30.10
Book Value (Unit Curr.) 326 343 326 303
Dividend (%) -- -- -- --
Equity 609 480 480 480
Reserve & Surplus  15,813 15,347 13,891 12,998
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI 83.50 81.70 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(%) 74.60 67.80 75 81.20
PBDTM(%) 9.81 4.77 11.50 12.40
PATM(%) 6.10 3.60 8.91 9.03
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --