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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 6,686 6,844 7,061 6,767
Interest expense (4,174) (4,133) (4,410) (4,083)
Net interest income 2,512 2,710 2,651 2,684
Non-interest income 493 504 594 390
Total op income 3,005 3,214 3,245 3,075
Total op expenses (1,710) (1,546) (1,409) (1,175)
Op profit (pre-prov) 1,294 1,668 1,836 1,900
Provisions (2,800) (976) (1,016) (148)
Exceptionals -- -- -- --
Profit before tax (1,506) 692 820 1,752
Taxes (126) (276) (312) (569)
Net profit (1,632) 416 509 1,182
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Y/e 31 Mar ( In .Cr) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Total cash & equivalents 5,862 8,253 5,386 3,203
Investments 23,161 18,880 21,291 20,354
Advances 66,272 56,913 49,816 50,193
Total int-earning assets 95,294 84,046 76,493 73,750
Fixed assets 1,675 1,615 1,543 764
Other assets 4,438 4,027 3,982 5,754
Total assets 101,406 89,688 82,019 80,268
Net worth 6,626 6,161 5,677 6,424
Deposits 89,639 80,007 72,463 69,390
Borrowings 2,624 1,628 1,276 2,240
Total int-bearing liabs 92,263 81,635 73,739 71,630
Non-int-bearing liabs 2,517 1,892 2,603 2,214
Total liabilities 94,780 83,526 76,342 73,844
Equity + Total liabilities 101,406 89,688 82,019 80,268
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Particulars ( Rupees In Crores.) Dec-2019 Dec-2018 Dec-2017 Dec-2016
Interest Earned 6,290 5,606 5,030 5,008
Other Income 425 409 323 368
Total Income 6,715 6,015 5,353 5,376
Operating Expenses ** 5,572 4,897 4,476 4,358
Operating Profit Before Prov. & Cont. 1,143 1,117 877 1,018
Provisions & Contingencies 2,005 680 772 2,032
Depreciation -- -- -- --
Provision For Taxes -- 228 (69) 63.90
Fringe Benefit Tax  -- -- -- --
Deferred Tax (16) (41) -- --
Net Profit (845) 250 174 (1,078)
Extra-ordinary Items -- -- (238) --
Adjusted Profit After Extra-ordinary item (845) 250 412 (1,078)
EPS (Unit Curr.) (15) 4.49 3.13 (22)
EPS (Adj) (Unit Curr.) (15) 4.49 3.13 (22)
Calculated EPS (Unit Curr.)  (15) 4.49 3.13 (22)
Calculated EPS (Adj) (Unit Curr.) (15) 4.49 3.13 (22)
Calculated EPS (Ann.) (Unit Curr.)  (20) 5.99 4.17 (30)
Calculated EPS (Adj) (Ann.) (Unit Curr.)  (20) 5.99 4.17 (30)
Book Value (Unit Curr.) -- 64.90 65.30 54.60
Dividend (%) -- -- -- --
Equity 55.70 55.70 55.70 48.50
Reserve & Surplus  -- -- -- --
Face Value 1 1 1 1
Public Shareholding (No Of.Shares)  227,025,360 227,025,360 227,025,360 227,025,360
Public Shareholding (% in Equity) 40.80 40.80 40.80 46.80
(%) of shares held by GOI 59.20 59.20 59.20 53.20
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares 329,833,032 329,833,032 329,833,032 257,752,660
Non Encumbered - % in Total Promoters Holding 100 100 100 100
Non Encumbered - % in Total Equity 59.20 59.20 59.20 53.20
PBIDTM(%) 43.10 64 58.10 42.70
PBDTM(%) (14) 7.80 2.10 (20)
PATM(%) (13) 4.46 3.47 (22)
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --