| (Rs. in Million) |
| INCOME : | | | | | |
| Operating Income | 88480.00 | 66997.00 | 60610.00 | 63305.00 | 54653.00 |
| Sale of Shares / Units | | | | | |
| Interest income | 84546.00 | 64560.00 | 58397.00 | 61895.00 | 52805.00 |
| Portfolio management services | | | | | |
| Dividend income | | | 112.00 | 129.00 | 95.00 |
| Brokerages & commissions | 1071.00 | 152.00 | 140.00 | 136.00 | 216.00 |
| Processing fees and other charges | 202.00 | 49.00 | 93.00 | 43.00 | 92.00 |
| Other Operating Income | 2661.00 | 2235.00 | 1867.00 | 1102.00 | 1446.00 |
| Operating Income (Net) | 88480.00 | 66997.00 | 60610.00 | 63305.00 | 54653.00 |
| EXPENDITURE : | | | | | |
| Increase/Decrease in Stock | | | | | |
| Employee Cost | 15973.00 | 14695.00 | 11250.00 | 8429.00 | 8301.00 |
| Salaries, Wages & Bonus | 14617.00 | 13199.00 | 10098.00 | 7558.00 | 7434.00 |
| Contributions to EPF & Pension Funds | 1360.00 | 1378.00 | 877.00 | 725.00 | 651.00 |
| Workmen and Staff Welfare Expenses | -4.00 | 117.00 | 275.00 | 143.00 | 232.00 |
| Other Employees Cost | 0.00 | 0.00 | 0.00 | 3.00 | -15.00 |
| Operating & Establishment Expenses | 2630.00 | 1920.00 | 1911.00 | 1730.00 | 1800.00 |
| Depository Charges | | | | | |
| Security Transaction tax | | | | | |
| Software & Technical expenses | 612.00 | 367.00 | 505.00 | 554.00 | 476.00 |
| Commission, Brokerage & Discounts | 506.00 | 254.00 | 260.00 | 202.00 | 237.00 |
| Rent , Rates & Taxes | 440.00 | 337.00 | 417.00 | 315.00 | 244.00 |
| Repairs and Maintenance | 434.00 | 377.00 | 311.00 | 260.00 | 453.00 |
| Insurance | 323.00 | 301.00 | 197.00 | 168.00 | 128.00 |
| Electricity & Power | 315.00 | 283.00 | 221.00 | 232.00 | 262.00 |
| Other Operating Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Administrations & Other Expenses | 3683.00 | 3074.00 | 2923.00 | 1813.00 | 2715.00 |
| Printing and stationery | 223.00 | 170.00 | 141.00 | 75.00 | 123.00 |
| Professional and legal fees | 481.00 | 333.00 | 288.00 | 226.00 | 354.00 |
| Advertisement & Sales Promotion | 830.00 | 712.00 | 906.00 | 428.00 | 486.00 |
| Other General Expenses | 2148.00 | 1860.00 | 1588.00 | 1084.00 | 1752.00 |
| Provisions and Contingencies | 6198.00 | 3485.00 | 5252.00 | 4719.00 | 2663.00 |
| Provisions for contingencies | | | | | |
| Provisions against NPAs | | | | | |
| Bad debts /advances written off | | | | | |
| Provision for doubtful debts | | | | | |
| Losson disposal of fixed assets(net) | | | | | |
| Losson foreign exchange fluctuations | | | | | |
| Losson sale of non-trade current investments | | | | | |
| Other Miscellaneous Expenses | 6198.00 | 3485.00 | 5252.00 | 4719.00 | 2663.00 |
| Less: Expenses Capitalised | | | | | |
| Total Expenditure | 28484.00 | 23174.00 | 21336.00 | 16691.00 | 15479.00 |
| Operating Profit (Excl OI) | 59996.00 | 43823.00 | 39275.00 | 46615.00 | 39174.00 |
| Other Income | 721.00 | 503.00 | 654.00 | 445.00 | 863.00 |
| Other Interest Income | | | | | |
| Other Commission | | | | | |
| Discounts | | | | | |
| Profit on sale of Fixed Assets | 6.00 | 8.00 | 10.00 | 8.00 | 12.00 |
| Income from investments | | | | | |
| Provision Written Back | 3.00 | | 8.00 | | |
| Others | 712.00 | 495.00 | 636.00 | 436.00 | 851.00 |
| Operating Profit | 60717.00 | 44326.00 | 39929.00 | 47059.00 | 40037.00 |
| Interest | 28657.00 | 21878.00 | 20114.00 | 22189.00 | 18322.00 |
| Loans | 21663.00 | 12224.00 | 8408.00 | 11463.00 | 11111.00 |
| Deposits | | | | | |
| Bonds / Debentures | 5725.00 | 8324.00 | 10327.00 | 9385.00 | 6412.00 |
| Other Interest | 1269.00 | 1330.00 | 1379.00 | 1342.00 | 799.00 |
| Depreciation | 2464.00 | 2038.00 | 1980.00 | 1709.00 | 1642.00 |
| Profit Before Taxation & Exceptional Items | 29595.00 | 20411.00 | 17835.00 | 23160.00 | 20073.00 |
| Exceptional Income / Expenses | | | | | |
| Profit Before Tax | 29595.00 | 20411.00 | 17835.00 | 23160.00 | 20073.00 |
| Provision for Tax | 7620.00 | 5409.00 | 4548.00 | 5911.00 | 5270.00 |
| Current Income Tax | 8008.00 | 5227.00 | 4434.00 | 6790.00 | 5345.00 |
| Deferred Tax | -392.00 | 158.00 | 142.00 | -788.00 | -75.00 |
| Other taxes | 4.00 | 24.00 | -27.00 | -91.00 | 0.00 |
| Profit After Tax | 21975.00 | 15002.00 | 13287.00 | 17250.00 | 14803.00 |
| Extra items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Minority Interest | -88.00 | -42.00 | -3.00 | -7.00 | -126.00 |
| Share of Associate | | | | | |
| Other Consolidated Items | | | | | |
| Consolidated Net Profit | 21887.00 | 14960.00 | 13284.00 | 17243.00 | 14678.00 |
| Adjustments to PAT | | | | | |
| Profit Balance B/F | 55161.00 | 45719.00 | 38136.00 | 25516.00 | 15729.00 |
| Appropriations | 77048.00 | 60679.00 | 51420.00 | 42759.00 | 30407.00 |
| General Reserve | | | | | |
| Proposed Equity Dividend | | | | | |
| Corporate dividend tax | | | | | 475.00 |
| Other Appropriation | 77048.00 | 60679.00 | 51420.00 | 42759.00 | 29932.00 |
| Equity Dividend % | 165.00 | 150.00 | 150.00 | 63.00 | 138.00 |
| Earnings Per Share | 26.00 | 18.00 | 16.00 | 20.00 | 17.00 |
| Adjusted EPS | 26.00 | 18.00 | 16.00 | 20.00 | 17.00 |
