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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 32,660 32,199 32,084 29,349
Interest expense (23,757) (23,886) (23,640) (21,470)
Net interest income 8,903 8,313 8,444 7,879
Non-interest income 4,965 3,632 3,523 2,822
Total op income 13,868 11,945 11,967 10,701
Total op expenses (6,438) (6,302) (6,143) (5,483)
Op profit (pre-prov) 7,430 5,643 5,823 5,218
Provisions (7,079) (3,877) (3,040) (3,151)
Exceptionals -- -- -- --
Profit before tax 351 1,765 2,783 2,067
Taxes 204 (414) (1,002) (371)
Net profit 555 1,352 1,782 1,696
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Y/e 31 Mar ( In .Cr) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Total cash & equivalents 43,046 49,441 32,823 29,276
Investments 126,047 123,754 112,149 89,208
Advances 296,932 288,761 286,467 267,354
Total int-earning assets 466,025 461,956 431,438 385,839
Fixed assets 3,762 3,833 3,894 3,940
Other assets 26,765 24,288 18,348 16,536
Total assets 496,552 490,078 453,680 406,314
Net worth 26,487 25,097 23,976 22,891
Deposits 415,915 408,502 375,899 342,720
Borrowings 42,864 45,681 41,226 30,957
Total int-bearing liabs 458,779 454,182 417,125 373,677
Non-int-bearing liabs 11,286 10,798 12,579 9,745
Total liabilities 470,065 464,981 429,704 383,423
Equity + Total liabilities 496,552 490,078 453,680 406,314
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Particulars ( Rupees In Crores.) Dec-2019 Sep-2019 Jun-2019 Mar-2019
Interest Earned 9,631 9,413 8,898 8,350
Other Income 1,110 1,143 990 1,272
Total Income 10,741 10,557 9,887 9,621
Operating Expenses ** 8,340 8,316 8,001 7,891
Operating Profit Before Prov. & Cont. 2,401 2,241 1,886 1,730
Provisions & Contingencies 1,819 3,859 1,519 5,766
Depreciation -- -- -- --
Provision For Taxes 7.87 (425) 143 (667)
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 575 (1,194) 224 (3,369)
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 575 (1,194) 224 (3,369)
EPS (Unit Curr.) 2.46 (6.80) 1.27 (28)
EPS (Adj) (Unit Curr.) 2.46 (6.80) 1.27 (28)
Calculated EPS (Unit Curr.)  1.68 (6.80) 1.27 (19)
Calculated EPS (Adj) (Unit Curr.) 1.68 (6.80) 1.27 (19)
Calculated EPS (Ann.) (Unit Curr.)  6.71 (27) 5.09 (76)
Calculated EPS (Adj) (Ann.) (Unit Curr.)  6.71 (27) 5.09 (76)
Book Value (Unit Curr.) 85.70 96.90 109 107
Dividend (%) -- -- -- --
Equity 3,423 1,763 1,763 1,763
Reserve & Surplus  -- -- -- --
Face Value 10 10 10 10
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI 86.80 74.30 74.30 74.30
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(%) 73.50 51.90 75.80 20.50
PBDTM(%) 6.05 (17) 4.13 (48)
PATM(%) 5.97 (13) 2.52 (40)
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --