| (Rs. in Million) |
| INCOME : | | | | | |
| Operating Income | 82590.00 | 68550.00 | 58398.00 | 48443.00 | 49778.00 |
| Sale of Shares / Units | | | | | |
| Interest income | 78830.00 | 65460.00 | 55510.00 | 47247.00 | 47547.00 |
| Portfolio management services | | | | | |
| Dividend income | | | 59.00 | 11.00 | 800.00 |
| Brokerages & commissions | 290.00 | 150.00 | 134.00 | 72.00 | 190.00 |
| Processing fees and other charges | 2000.00 | 1380.00 | 979.00 | 1114.00 | 1121.00 |
| Other Operating Income | 1470.00 | 1560.00 | 1716.00 | 0.00 | 120.00 |
| Operating Income (Net) | 82590.00 | 68550.00 | 58398.00 | 48443.00 | 49778.00 |
| EXPENDITURE : | | | | | |
| Increase/Decrease in Stock | | | | | |
| Employee Cost | 13300.00 | 9310.00 | 7231.00 | 7461.00 | 6901.00 |
| Salaries, Wages & Bonus | 11900.00 | 8310.00 | 6449.00 | 6633.00 | 6230.00 |
| Contributions to EPF & Pension Funds | 740.00 | 550.00 | 412.00 | 423.00 | 289.00 |
| Workmen and Staff Welfare Expenses | 410.00 | 270.00 | 197.00 | 242.00 | 210.00 |
| Other Employees Cost | 240.00 | 180.00 | 173.00 | 163.00 | 172.00 |
| Operating & Establishment Expenses | 2420.00 | 1690.00 | 989.00 | 1361.00 | 1797.00 |
| Depository Charges | | | | | |
| Security Transaction tax | | | | | |
| Software & Technical expenses | 460.00 | 390.00 | 227.00 | 301.00 | 287.00 |
| Commission, Brokerage & Discounts | | | | | |
| Rent , Rates & Taxes | 350.00 | 220.00 | 138.00 | 320.00 | 779.00 |
| Repairs and Maintenance | 180.00 | 160.00 | 92.00 | 142.00 | 114.00 |
| Insurance | 140.00 | 200.00 | 236.00 | 102.00 | 82.00 |
| Electricity & Power | 230.00 | 150.00 | 115.00 | 175.00 | 140.00 |
| Other Operating Expenses | 1060.00 | 570.00 | 181.00 | 320.00 | 395.00 |
| Administrations & Other Expenses | 4630.00 | 3230.00 | 2304.00 | 2450.00 | 2430.00 |
| Printing and stationery | 150.00 | 90.00 | 57.00 | 65.00 | 70.00 |
| Professional and legal fees | 1440.00 | 870.00 | 550.00 | 820.00 | 837.00 |
| Advertisement & Sales Promotion | 760.00 | 500.00 | 324.00 | 435.00 | 555.00 |
| Other General Expenses | 2290.00 | 1770.00 | 1373.00 | 1130.00 | 968.00 |
| Provisions and Contingencies | 9820.00 | 9410.00 | 11885.00 | 5673.00 | 3906.00 |
| Provisions for contingencies | | | | | |
| Provisions against NPAs | | | | | |
| Bad debts /advances written off | 9350.00 | 9040.00 | 6483.00 | 4432.00 | 3506.00 |
| Provision for doubtful debts | | | | | |
| Losson disposal of fixed assets(net) | 10.00 | 0.00 | 14.00 | | 1.00 |
| Losson foreign exchange fluctuations | | | | | |
| Losson sale of non-trade current investments | | | | 95.00 | |
| Other Miscellaneous Expenses | 460.00 | 370.00 | 5388.00 | 1146.00 | 399.00 |
| Less: Expenses Capitalised | | | | | |
| Total Expenditure | 30170.00 | 23640.00 | 22409.00 | 16945.00 | 15034.00 |
| Operating Profit (Excl OI) | 52420.00 | 44910.00 | 35989.00 | 31499.00 | 34744.00 |
| Other Income | 2680.00 | 1780.00 | 1499.00 | 940.00 | 1758.00 |
| Other Interest Income | 260.00 | 40.00 | 1.00 | 27.00 | 682.00 |
| Other Commission | | | | | |
| Discounts | | | | | |
| Profit on sale of Fixed Assets | 30.00 | 20.00 | 3.00 | 5.00 | |
| Income from investments | | | | | |
| Provision Written Back | 800.00 | 90.00 | | 121.00 | 6.00 |
| Others | 1600.00 | 1630.00 | 1495.00 | 785.00 | 1071.00 |
| Operating Profit | 55100.00 | 46690.00 | 37488.00 | 32438.00 | 36502.00 |
| Interest | 32450.00 | 30110.00 | 26383.00 | 24130.00 | 25931.00 |
| Loans | 21060.00 | 17690.00 | 15181.00 | 14869.00 | 11040.00 |
| Deposits | | | | | |
| Bonds / Debentures | 9540.00 | 10830.00 | 10172.00 | 8300.00 | 14437.00 |
| Other Interest | 1850.00 | 1590.00 | 1030.00 | 961.00 | 454.00 |
| Depreciation | 1530.00 | 1220.00 | 1057.00 | 1056.00 | 318.00 |
| Profit Before Taxation & Exceptional Items | 21130.00 | 15360.00 | 10048.00 | 7252.00 | 10253.00 |
| Exceptional Income / Expenses | | | | | 1046.00 |
| Profit Before Tax | 21130.00 | 15360.00 | 10048.00 | 7252.00 | 11299.00 |
| Provision for Tax | 5050.00 | 3480.00 | 2440.00 | 2217.00 | 3342.00 |
| Current Income Tax | 3630.00 | 3280.00 | 3174.00 | 1779.00 | 2892.00 |
| Deferred Tax | 1450.00 | 190.00 | -779.00 | -33.00 | 448.00 |
| Other taxes | -20.00 | 10.00 | 46.00 | 471.00 | 3.00 |
| Profit After Tax | 16080.00 | 11880.00 | 7608.00 | 5035.00 | 7957.00 |
| Extra items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Minority Interest | -1070.00 | 0.00 | -7.00 | -16.00 | -11.00 |
| Share of Associate | | | | | |
| Other Consolidated Items | | | | | |
| Consolidated Net Profit | 15000.00 | 11880.00 | 7601.00 | 5018.00 | 7946.00 |
| Adjustments to PAT | | | | | |
| Profit Balance B/F | 23330.00 | 15900.00 | 11055.00 | 8522.00 | 5592.00 |
| Appropriations | 38330.00 | 27780.00 | 18656.00 | 13541.00 | 13538.00 |
| General Reserve | | | | | 4946.00 |
| Proposed Equity Dividend | | | | | |
| Corporate dividend tax | | | | 168.00 | 192.00 |
| Other Appropriation | 38330.00 | 27780.00 | 18656.00 | 13373.00 | 8400.00 |
| Equity Dividend % | 200.00 | 175.00 | 150.00 | 113.00 | 250.00 |
| Earnings Per Share | 39.00 | 31.00 | 20.00 | 13.00 | 25.00 |
| Adjusted EPS | 38.00 | 30.00 | 19.00 | 13.00 | 24.00 |