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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 5,847 5,557 5,286 5,015
Interest expense (4,172) (4,047) (3,920) (3,616)
Net interest income 1,675 1,510 1,366 1,399
Non-interest income 716 517 497 368
Total op income 2,391 2,027 1,863 1,767
Total op expenses (1,176) (1,148) (981) (883)
Op profit (pre-prov) 1,215 879 882 884
Provisions (614) (370) (414) (155)
Exceptionals -- -- -- --
Profit before tax 600 510 468 729
Taxes (208) (176) (161) (221)
Net profit 393 333 307 507
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Y/e 31 Mar ( In .Cr) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Total cash & equivalents 4,823 4,221 3,888 3,274
Investments 19,081 18,363 19,430 14,744
Advances 62,694 54,563 46,389 41,086
Total int-earning assets 86,598 77,147 69,707 59,104
Fixed assets 709 681 656 487
Other assets 5,112 4,937 4,003 3,931
Total assets 92,419 82,765 74,366 63,522
Net worth 5,337 5,243 4,848 3,846
Deposits 80,420 72,030 66,117 55,721
Borrowings 4,903 4,043 1,958 2,615
Total int-bearing liabs 85,323 76,073 68,075 58,336
Non-int-bearing liabs 1,758 1,449 1,442 1,341
Total liabilities 87,082 77,522 69,517 59,676
Equity + Total liabilities 92,419 82,765 74,366 63,522
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Particulars ( Rupees In Crores.) Dec-2019 Sep-2019 Jun-2019 Mar-2019
Interest Earned 1,967 1,954 1,895 1,791
Other Income 220 249 182 236
Total Income 2,188 2,203 2,077 2,027
Operating Expenses ** 1,805 1,792 1,759 1,699
Operating Profit Before Prov. & Cont. 383 411 318 328
Provisions & Contingencies 261 306 205 219
Depreciation -- -- -- --
Provision For Taxes 31.70 20.60 39.40 37.90
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 90.50 84.50 73.30 70.50
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 90.50 84.50 73.30 70.50
EPS (Unit Curr.) 0.50 0.47 0.40 0.39
EPS (Adj) (Unit Curr.) 0.50 0.47 0.40 0.39
Calculated EPS (Unit Curr.)  0.50 0.47 0.40 0.39
Calculated EPS (Adj) (Unit Curr.) 0.50 0.47 0.40 0.39
Calculated EPS (Ann.) (Unit Curr.)  2 1.87 1.62 1.56
Calculated EPS (Adj) (Ann.) (Unit Curr.)  2 1.87 1.62 1.56
Book Value (Unit Curr.) -- -- -- 29.50
Dividend (%) -- -- -- --
Equity 181 181 181 181
Reserve & Surplus  -- -- -- --
Face Value 1 1 1 1
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(%) 75.60 75.50 77.70 78.20
PBDTM(%) 6.21 5.38 5.94 6.05
PATM(%) 4.60 4.32 3.87 3.94
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --