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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 5,622 5,443 5,396 5,116
Interest expense (3,549) (3,662) (3,930) (3,832)
Net interest income 2,074 1,781 1,466 1,284
Non-interest income 782 707 581 564
Total op income 2,856 2,488 2,047 1,848
Total op expenses (1,285) (1,185) (1,103) (1,010)
Op profit (pre-prov) 1,571 1,303 943 838
Provisions (687) (391) (481) (442)
Exceptionals -- -- 8.67 --
Profit before tax 883 912 471 395
Taxes (277) (344) (7.20) 34.10
Net profit 606 568 464 430
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Y/e 31 Mar ( In .Cr) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Total cash & equivalents 3,697 4,309 4,345 2,892
Investments 14,882 15,803 14,857 14,443
Advances 48,581 44,800 40,908 39,084
Total int-earning assets 67,159 64,913 60,110 56,419
Fixed assets 583 528 419 420
Other assets 1,685 1,605 1,390 2,225
Total assets 69,427 67,046 61,919 59,064
Net worth 6,423 6,264 5,036 4,573
Deposits 59,868 56,890 53,700 50,079
Borrowings 1,565 2,394 1,696 2,894
Total int-bearing liabs 61,433 59,284 55,395 52,973
Non-int-bearing liabs 1,571 1,497 1,488 1,517
Total liabilities 63,004 60,782 56,883 54,491
Equity + Total liabilities 69,427 67,046 61,919 59,064
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Particulars ( Rupees In Crores.) Sep-2019 Jun-2019 Mar-2019 Dec-2018
Interest Earned 1,538 1,493 1,474 1,443
Other Income 278 270 272 260
Total Income 1,815 1,762 1,746 1,703
Operating Expenses ** 1,384 1,317 1,281 1,278
Operating Profit Before Prov. & Cont. 431 445 465 425
Provisions & Contingencies 365 330 352 400
Depreciation -- -- -- --
Provision For Taxes 2.66 42.20 52.40 3.41
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 63.30 72.90 60 21.20
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 63.30 72.90 60 21.20
EPS (Unit Curr.) 0.79 0.91 0.75 0.27
EPS (Adj) (Unit Curr.) 0.79 0.91 0.75 0.27
Calculated EPS (Unit Curr.)  0.79 0.91 0.75 0.27
Calculated EPS (Adj) (Unit Curr.) 0.79 0.91 0.75 0.27
Calculated EPS (Ann.) (Unit Curr.)  3.17 3.65 3 1.06
Calculated EPS (Adj) (Ann.) (Unit Curr.)  3.17 3.65 3 1.06
Book Value (Unit Curr.) -- -- 80.30 --
Dividend (%) -- -- -- --
Equity 160 160 160 160
Reserve & Surplus  -- -- -- --
Face Value 2 2 2 2
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 68.60 65.60 61.40
PBDTM(%) 4.29 7.72 7.63 1.71
PATM(%) 4.12 4.89 4.07 1.47
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --