| (Rs. in Million) |
| INCOME : | | | | | |
| Operating Income | 127000.00 | 113180.00 | 121110.00 | 118850.00 | 103717.00 |
| Sale of Shares / Units | | | | | |
| Interest income | 120300.00 | 108580.00 | 117040.00 | 114580.00 | 99695.30 |
| Portfolio management services | | | | | |
| Dividend income | 0.00 | 0.00 | 0.00 | 270.00 | 152.40 |
| Brokerages & commissions | | | | | |
| Processing fees and other charges | 3910.00 | 2720.00 | 2040.00 | 2470.00 | 2389.10 |
| Other Operating Income | 2790.00 | 1880.00 | 2040.00 | 1540.00 | 1480.20 |
| Operating Income (Net) | 127000.00 | 113180.00 | 121110.00 | 118850.00 | 103717.00 |
| EXPENDITURE : | | | | | |
| Increase/Decrease in Stock | | | | | |
| Employee Cost | 21150.00 | 16130.00 | 13840.00 | 16100.00 | 14779.50 |
| Salaries, Wages & Bonus | 19280.00 | 14530.00 | 12460.00 | 13950.00 | 13162.50 |
| Contributions to EPF & Pension Funds | 1340.00 | 1160.00 | 1020.00 | 1130.00 | 885.40 |
| Workmen and Staff Welfare Expenses | 390.00 | 310.00 | 70.00 | 430.00 | 420.70 |
| Other Employees Cost | 150.00 | 130.00 | 290.00 | 590.00 | 310.90 |
| Operating & Establishment Expenses | 6400.00 | 5040.00 | 3100.00 | 3320.00 | 3384.70 |
| Depository Charges | | | | | |
| Security Transaction tax | | | | | |
| Software & Technical expenses | | | | | |
| Commission, Brokerage & Discounts | 2850.00 | 1560.00 | 1050.00 | 1250.00 | 1296.80 |
| Rent , Rates & Taxes | 270.00 | 260.00 | 250.00 | 650.00 | 866.40 |
| Repairs and Maintenance | 180.00 | 70.00 | 70.00 | 150.00 | 188.90 |
| Insurance | 710.00 | 530.00 | 530.00 | 530.00 | 387.20 |
| Electricity & Power | 190.00 | 160.00 | 120.00 | 220.00 | 260.60 |
| Other Operating Expenses | 2190.00 | 2450.00 | 1080.00 | 520.00 | 384.80 |
| Administrations & Other Expenses | 7070.00 | 4940.00 | 3150.00 | 6000.00 | 5606.30 |
| Printing and stationery | 190.00 | 130.00 | 80.00 | 150.00 | 201.40 |
| Professional and legal fees | 1550.00 | 790.00 | 640.00 | 1100.00 | 1180.40 |
| Advertisement & Sales Promotion | 290.00 | 160.00 | 80.00 | 200.00 | 370.80 |
| Other General Expenses | 5040.00 | 3860.00 | 2350.00 | 4560.00 | 3853.80 |
| Provisions and Contingencies | 26580.00 | 28220.00 | 40380.00 | 23670.00 | 18378.40 |
| Provisions for contingencies | | | | | |
| Provisions against NPAs | | | | | |
| Bad debts /advances written off | 26070.00 | 27770.00 | 24870.00 | 8890.00 | 18017.10 |
| Provision for doubtful debts | | | 30.00 | 10.00 | |
| Losson disposal of fixed assets(net) | | | | | |
| Losson foreign exchange fluctuations | | | | | |
| Losson sale of non-trade current investments | | | | 20.00 | 10.80 |
| Other Miscellaneous Expenses | 510.00 | 450.00 | 15490.00 | 14740.00 | 350.40 |
| Less: Expenses Capitalised | | | | | |
| Total Expenditure | 61200.00 | 54330.00 | 60470.00 | 49080.00 | 42149.00 |
| Operating Profit (Excl OI) | 65800.00 | 58850.00 | 60640.00 | 69770.00 | 61568.00 |
| Other Income | 15570.00 | 1690.00 | 600.00 | 1170.00 | 11448.40 |
| Other Interest Income | | | | | |
| Other Commission | | | | | |
| Discounts | | | | | |
| Profit on sale of Fixed Assets | 30.00 | 20.00 | 0.00 | 10.00 | 8.00 |
| Income from investments | 0.00 | 290.00 | 60.00 | 510.00 | |
| Provision Written Back | 14240.00 | 860.00 | | 20.00 | 10744.40 |
| Others | 1300.00 | 530.00 | 540.00 | 630.00 | 696.00 |
| Operating Profit | 81370.00 | 60530.00 | 61240.00 | 70940.00 | 73016.50 |
| Interest | 50940.00 | 44170.00 | 53080.00 | 53910.00 | 44322.80 |
| Loans | 23550.00 | 16300.00 | 16050.00 | 19600.00 | 15202.40 |
| Deposits | 5350.00 | 7630.00 | 8130.00 | 6720.00 | 3570.80 |
| Bonds / Debentures | 21660.00 | 19610.00 | 26300.00 | 28200.00 | 25045.60 |
| Other Interest | 380.00 | 630.00 | 2600.00 | -620.00 | 504.00 |
| Depreciation | 2260.00 | 1520.00 | 1510.00 | 1470.00 | 755.30 |
| Profit Before Taxation & Exceptional Items | 28170.00 | 14840.00 | 6660.00 | 15560.00 | 27938.30 |
| Exceptional Income / Expenses | -560.00 | 210.00 | 2290.00 | | |
| Profit Before Tax | 28040.00 | 15490.00 | 8950.00 | 15560.00 | 27938.30 |
| Provision for Tax | 7330.00 | 3990.00 | 1540.00 | 5160.00 | 9734.80 |
| Current Income Tax | 4960.00 | 3880.00 | 5120.00 | 6470.00 | 7065.00 |
| Deferred Tax | 2340.00 | -120.00 | -3410.00 | -1300.00 | 2621.10 |
| Other taxes | 20.00 | 230.00 | -180.00 | -10.00 | 48.60 |
| Profit After Tax | 20710.00 | 11500.00 | 7410.00 | 10400.00 | 18203.50 |
| Extra items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Minority Interest | 10.00 | -130.00 | -70.00 | -110.00 | -399.80 |
| Share of Associate | | | 400.00 | 460.00 | 469.30 |
| Other Consolidated Items | | | | | |
| Consolidated Net Profit | 20720.00 | 11370.00 | 7730.00 | 10750.00 | 18273.00 |
| Adjustments to PAT | | | | | |
| Profit Balance B/F | 61470.00 | 52850.00 | 45780.00 | 39570.00 | 32825.00 |
| Appropriations | 82190.00 | 64220.00 | 53510.00 | 50320.00 | 51098.00 |
| General Reserve | | | | | 1557.10 |
| Proposed Equity Dividend | | | | | |
| Corporate dividend tax | | | | | |
| Other Appropriation | 82190.00 | 64220.00 | 53510.00 | 50320.00 | 49540.90 |
| Equity Dividend % | 300.00 | 180.00 | 40.00 | | 325.00 |
| Earnings Per Share | 17.00 | 9.00 | 6.00 | 17.00 | 30.00 |
| Adjusted EPS | 17.00 | 9.00 | 6.00 | 11.00 | 18.00 |