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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 23,004 23,198 21,615 18,621
Interest expense (16,728) (17,213) (16,095) (13,081)
Net interest income 6,276 5,985 5,520 5,541
Non-interest income 3,457 2,509 2,110 1,324
Total op income 9,733 8,493 7,630 6,865
Total op expenses (5,500) (5,242) (3,623) (3,302)
Op profit (pre-prov) 4,233 3,251 4,007 3,563
Provisions (3,581) (4,273) (2,011) (1,920)
Exceptionals -- -- -- --
Profit before tax 652 (1,022) 1,996 1,643
Taxes (293) (622) (473) 68.10
Net profit 359 (1,643) 1,523 1,711
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Y/e 31 Mar ( In .Cr) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Total cash & equivalents 17,157 21,516 25,232 29,215
Investments 76,073 80,354 65,465 68,622
Advances 205,044 210,684 199,669 201,368
Total int-earning assets 298,274 312,554 290,367 299,206
Fixed assets 2,572 2,478 2,454 2,407
Other assets 10,432 8,945 6,252 6,355
Total assets 311,279 323,977 299,073 307,967
Net worth 17,070 14,942 14,184 13,078
Deposits 259,897 272,776 260,561 261,735
Borrowings 25,604 29,614 17,476 25,501
Total int-bearing liabs 285,501 302,390 278,036 287,237
Non-int-bearing liabs 8,707 6,646 6,853 7,653
Total liabilities 294,209 309,035 284,889 294,889
Equity + Total liabilities 311,279 323,977 299,073 307,967
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Particulars ( Rupees In Crores.) Sep-2019 Mar-2019 Sep-2018 Mar-2018
Interest Earned 10,952 11,069 10,657 10,733
Other Income 1,282 1,354 870 1,258
Total Income 12,234 12,423 11,526 11,991
Operating Expenses ** 10,468 10,732 10,398 10,281
Operating Profit Before Prov. & Cont. 1,766 1,691 1,129 1,710
Provisions & Contingencies 2,608 1,378 4,544 6,027
Depreciation -- -- -- --
Provision For Taxes (113) 76.30 (591) (1,252)
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit (729) 236 (2,824) (3,065)
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item (729) 236 (2,824) (3,065)
EPS (Unit Curr.) (2.70) 0.95 (20) --
EPS (Adj) (Unit Curr.) (2.70) 0.95 (20) --
Calculated EPS (Unit Curr.)  (2.70) 0.95 (20) (22)
Calculated EPS (Adj) (Unit Curr.) (2.70) 0.95 (20) (22)
Calculated EPS (Ann.) (Unit Curr.)  (5.40) 1.90 (40) (43)
Calculated EPS (Adj) (Ann.) (Unit Curr.)  (5.40) 1.90 (40) (43)
Book Value (Unit Curr.) 61.20 -- 85.70 --
Dividend (%) -- -- -- --
Equity 2,684 2,488 1,417 1,417
Reserve & Surplus  12,385 -- 11,975 --
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  -- 381,732,665 381,732,665 381,732,665
Public Shareholding (% in Equity) -- 15.30 26.90 26.90
(%) of shares held by GOI 78.50 -- 73.10 --
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- 2,106,179,287 1,035,539,388 1,035,539,388
Non Encumbered - % in Total Promoters Holding -- 100 100 100
Non Encumbered - % in Total Equity -- 84.70 73.10 73.10
PBIDTM(%) 60.10 70.60 39.10 29
PBDTM(%) (7.70) 2.82 (32) (40)
PATM(%) (6.70) 2.13 (27) (29)
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --
Open Demat Account