| (Rs. in Million) |
| INCOME : | | | | | |
| Operating Income | 481330.00 | 418340.00 | 349640.00 | 304770.00 | 192550.00 |
| Sale of Shares / Units | | | | | |
| Interest income | 466580.00 | 403080.00 | 336000.00 | 292060.00 | 186310.00 |
| Portfolio management services | | | | | |
| Dividend income | 20.00 | 20.00 | 10.00 | 70.00 | |
| Brokerages & commissions | 4940.00 | 6820.00 | 4570.00 | 2670.00 | 1000.00 |
| Processing fees and other charges | | | | | |
| Other Operating Income | 9790.00 | 8430.00 | 9060.00 | 9980.00 | 5240.00 |
| Operating Income (Net) | 481330.00 | 418340.00 | 349640.00 | 304770.00 | 192550.00 |
| EXPENDITURE : | | | | | |
| Increase/Decrease in Stock | | | | | |
| Employee Cost | 41310.00 | 36510.00 | 32160.00 | 26360.00 | 9970.00 |
| Salaries, Wages & Bonus | 36430.00 | 33400.00 | 29420.00 | 22680.00 | 9070.00 |
| Contributions to EPF & Pension Funds | 1910.00 | 1980.00 | 1790.00 | 1370.00 | 600.00 |
| Workmen and Staff Welfare Expenses | 800.00 | 810.00 | 700.00 | 480.00 | 240.00 |
| Other Employees Cost | 2170.00 | 320.00 | 250.00 | 1830.00 | 70.00 |
| Operating & Establishment Expenses | 14900.00 | 13560.00 | 10580.00 | 9150.00 | 4000.00 |
| Depository Charges | | | | | |
| Security Transaction tax | | | | | |
| Software & Technical expenses | 0.00 | | | | |
| Commission, Brokerage & Discounts | 4950.00 | 4930.00 | 3470.00 | 2600.00 | 450.00 |
| Rent , Rates & Taxes | 340.00 | 240.00 | 180.00 | 390.00 | 80.00 |
| Repairs and Maintenance | 1490.00 | 1370.00 | 1080.00 | 1110.00 | 610.00 |
| Insurance | 90.00 | 80.00 | 80.00 | 80.00 | 20.00 |
| Electricity & Power | 450.00 | 420.00 | 380.00 | 320.00 | 160.00 |
| Other Operating Expenses | 7580.00 | 6520.00 | 5380.00 | 4650.00 | 2680.00 |
| Administrations & Other Expenses | 12640.00 | 11540.00 | 8740.00 | 7860.00 | 4210.00 |
| Printing and stationery | 470.00 | 490.00 | 430.00 | 420.00 | 100.00 |
| Professional and legal fees | 3110.00 | 3210.00 | 2590.00 | 2610.00 | 1540.00 |
| Advertisement & Sales Promotion | 5630.00 | 4890.00 | 3210.00 | 2220.00 | 1000.00 |
| Other General Expenses | 3430.00 | 2960.00 | 2500.00 | 2610.00 | 1560.00 |
| Provisions and Contingencies | 57200.00 | 55710.00 | 47270.00 | 43620.00 | 40000.00 |
| Provisions for contingencies | | | | | |
| Provisions against NPAs | | | | | |
| Bad debts /advances written off | | | | | |
| Provision for doubtful debts | | | | | |
| Losson disposal of fixed assets(net) | 50.00 | 80.00 | | 10.00 | 10.00 |
| Losson foreign exchange fluctuations | | | | | |
| Losson sale of non-trade current investments | | | | | |
| Other Miscellaneous Expenses | 57150.00 | 55630.00 | 47270.00 | 43610.00 | 39990.00 |
| Less: Expenses Capitalised | | | | | |
| Total Expenditure | 126050.00 | 117320.00 | 98750.00 | 86990.00 | 58180.00 |
| Operating Profit (Excl OI) | 355280.00 | 301020.00 | 250900.00 | 217780.00 | 134370.00 |
| Other Income | 660.00 | 250.00 | 380.00 | 330.00 | 250.00 |
| Other Interest Income | 20.00 | 10.00 | 80.00 | 150.00 | 0.00 |
| Other Commission | | | | | |
| Discounts | | | | | |
| Profit on sale of Fixed Assets | | | 10.00 | | |
| Income from investments | | | | | |
| Provision Written Back | 60.00 | | 50.00 | 10.00 | 40.00 |
| Others | 580.00 | 240.00 | 240.00 | 170.00 | 210.00 |
| Operating Profit | 355940.00 | 301270.00 | 251280.00 | 218100.00 | 134620.00 |
| Interest | 215940.00 | 185320.00 | 148760.00 | 129960.00 | 97770.00 |
| Loans | 109390.00 | 92870.00 | 70110.00 | 58360.00 | 35550.00 |
| Deposits | 56020.00 | 42950.00 | 33350.00 | 23470.00 | 17100.00 |
| Bonds / Debentures | 47350.00 | 43480.00 | 38560.00 | 46980.00 | 43060.00 |
| Other Interest | 3180.00 | 6020.00 | 6730.00 | 1150.00 | 2070.00 |
| Depreciation | 6990.00 | 6450.00 | 5690.00 | 6010.00 | 1350.00 |
| Profit Before Taxation & Exceptional Items | 133000.00 | 109490.00 | 96840.00 | 82140.00 | 35490.00 |
| Exceptional Income / Expenses | | 15540.00 | | | |
| Profit Before Tax | 133000.00 | 125030.00 | 96840.00 | 82140.00 | 35490.00 |
| Provision for Tax | 32960.00 | 30800.00 | 24930.00 | 22020.00 | 8410.00 |
| Current Income Tax | 42640.00 | 34950.00 | 33830.00 | 29110.00 | 11130.00 |
| Deferred Tax | -8650.00 | -5110.00 | -9070.00 | -7210.00 | -1890.00 |
| Other taxes | -1030.00 | 960.00 | 170.00 | 120.00 | -820.00 |
| Profit After Tax | 100040.00 | 94230.00 | 71900.00 | 60110.00 | 27080.00 |
| Extra items | -10.00 | 1410.00 | 2010.00 | 0.00 | 0.00 |
| Minority Interest | 0.00 | -230.00 | -330.00 | -90.00 | |
| Share of Associate | 210.00 | 120.00 | 80.00 | 90.00 | 130.00 |
| Other Consolidated Items | | | | | |
| Consolidated Net Profit | 100240.00 | 95540.00 | 73660.00 | 60110.00 | 27210.00 |
| Adjustments to PAT | | | | | |
| Profit Balance B/F | 242420.00 | 192800.00 | 157000.00 | 123550.00 | 105330.00 |
| Appropriations | 342660.00 | 288340.00 | 230660.00 | 183670.00 | 132540.00 |
| General Reserve | 10000.00 | 9760.00 | 7190.00 | 5980.00 | 2710.00 |
| Proposed Equity Dividend | | | | | |
| Corporate dividend tax | | | | | |
| Other Appropriation | 332660.00 | 278570.00 | 223470.00 | 177690.00 | 129830.00 |
| Equity Dividend % | 540.00 | 495.00 | 450.00 | 350.00 | 200.00 |
| Earnings Per Share | 53.00 | 51.00 | 196.00 | 161.00 | 101.00 |
| Adjusted EPS | 53.00 | 51.00 | 39.00 | 32.00 | 20.00 |
