| (Rs. in Million) |
| INCOME : | | | | | |
| Operating Income | 100067.00 | 88480.00 | 66997.00 | 60610.00 | 63305.00 |
| Sale of Shares / Units | | | | | |
| Interest income | 97656.00 | 84885.00 | 64560.00 | 58397.00 | 61895.00 |
| Portfolio management services | | | | | |
| Dividend income | 1.00 | | | 112.00 | 129.00 |
| Brokerages & commissions | 719.00 | 1076.00 | 152.00 | 140.00 | 136.00 |
| Processing fees and other charges | 11.00 | 12.00 | 49.00 | 93.00 | 43.00 |
| Other Operating Income | 1679.00 | 2507.00 | 2235.00 | 1867.00 | 1102.00 |
| Operating Income (Net) | 100067.00 | 88480.00 | 66997.00 | 60610.00 | 63305.00 |
| EXPENDITURE : | | | | | |
| Increase/Decrease in Stock | | | | | |
| Employee Cost | 18418.00 | 15973.00 | 14695.00 | 11250.00 | 8429.00 |
| Salaries, Wages & Bonus | 16841.00 | 14617.00 | 13199.00 | 10098.00 | 7558.00 |
| Contributions to EPF & Pension Funds | 1542.00 | 1360.00 | 1378.00 | 877.00 | 725.00 |
| Workmen and Staff Welfare Expenses | 35.00 | -4.00 | 117.00 | 275.00 | 143.00 |
| Other Employees Cost | 0.00 | 0.00 | 0.00 | 0.00 | 3.00 |
| Operating & Establishment Expenses | 3043.00 | 2630.00 | 1920.00 | 1911.00 | 1730.00 |
| Depository Charges | | | | | |
| Security Transaction tax | | | | | |
| Software & Technical expenses | 723.00 | 612.00 | 367.00 | 505.00 | 554.00 |
| Commission, Brokerage & Discounts | 811.00 | 506.00 | 254.00 | 260.00 | 202.00 |
| Rent , Rates & Taxes | 609.00 | 440.00 | 337.00 | 417.00 | 315.00 |
| Repairs and Maintenance | 353.00 | 434.00 | 377.00 | 311.00 | 260.00 |
| Insurance | 218.00 | 323.00 | 301.00 | 197.00 | 168.00 |
| Electricity & Power | 328.00 | 315.00 | 283.00 | 221.00 | 232.00 |
| Other Operating Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Administrations & Other Expenses | 4115.00 | 3683.00 | 3074.00 | 2923.00 | 1813.00 |
| Printing and stationery | 218.00 | 223.00 | 170.00 | 141.00 | 75.00 |
| Professional and legal fees | 602.00 | 485.00 | 333.00 | 288.00 | 226.00 |
| Advertisement & Sales Promotion | 940.00 | 830.00 | 712.00 | 906.00 | 428.00 |
| Other General Expenses | 2355.00 | 2145.00 | 1860.00 | 1588.00 | 1084.00 |
| Provisions and Contingencies | 20094.00 | 6198.00 | 3485.00 | 5252.00 | 4719.00 |
| 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 | 20094.00 | 6198.00 | 3485.00 | 5252.00 | 4719.00 |
| Less: Expenses Capitalised | | | | | |
| Total Expenditure | 45670.00 | 28484.00 | 23174.00 | 21336.00 | 16691.00 |
| Operating Profit (Excl OI) | 54397.00 | 59996.00 | 43823.00 | 39275.00 | 46615.00 |
| Other Income | 342.00 | 721.00 | 503.00 | 654.00 | 445.00 |
| Other Interest Income | | | | | |
| Other Commission | | | | | |
| Discounts | | | | | |
| Profit on sale of Fixed Assets | 10.00 | 6.00 | 8.00 | 10.00 | 8.00 |
| Income from investments | 3.00 | | | | |
| Provision Written Back | | 3.00 | | 8.00 | |
| Others | 329.00 | 712.00 | 495.00 | 636.00 | 436.00 |
| Operating Profit | 54739.00 | 60717.00 | 44326.00 | 39929.00 | 47059.00 |
| Interest | 35409.00 | 28657.00 | 21878.00 | 20114.00 | 22189.00 |
| Loans | 26699.00 | 21663.00 | 12224.00 | 8408.00 | 11463.00 |
| Deposits | | | | | |
| Bonds / Debentures | 7321.00 | 5725.00 | 8324.00 | 10327.00 | 9385.00 |
| Other Interest | 1389.00 | 1269.00 | 1330.00 | 1379.00 | 1342.00 |
| Depreciation | 2674.00 | 2464.00 | 2038.00 | 1980.00 | 1709.00 |
| Profit Before Taxation & Exceptional Items | 16656.00 | 29595.00 | 20411.00 | 17835.00 | 23160.00 |
| Exceptional Income / Expenses | | | | | |
| Profit Before Tax | 16656.00 | 29595.00 | 20411.00 | 17835.00 | 23160.00 |
| Provision for Tax | 4618.00 | 7620.00 | 5409.00 | 4548.00 | 5911.00 |
| Current Income Tax | 6364.00 | 8008.00 | 5227.00 | 4434.00 | 6790.00 |
| Deferred Tax | -1751.00 | -392.00 | 158.00 | 142.00 | -788.00 |
| Other taxes | 5.00 | 4.00 | 24.00 | -27.00 | -91.00 |
| Profit After Tax | 12039.00 | 21975.00 | 15002.00 | 13287.00 | 17250.00 |
| Extra items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Minority Interest | 123.00 | -88.00 | -42.00 | -3.00 | -7.00 |
| Share of Associate | | | | | |
| Other Consolidated Items | | | | | |
| Consolidated Net Profit | 12161.00 | 21887.00 | 14960.00 | 13284.00 | 17243.00 |
| Adjustments to PAT | 14.00 | 163.00 | | | |
| Profit Balance B/F | 69996.00 | 55161.00 | 45719.00 | 38136.00 | 25516.00 |
| Appropriations | 82171.00 | 77211.00 | 60679.00 | 51420.00 | 42759.00 |
| General Reserve | | | | | |
| Proposed Equity Dividend | | | | | |
| Corporate dividend tax | | | | | |
| Other Appropriation | 82171.00 | 77211.00 | 60679.00 | 51420.00 | 42759.00 |
| Equity Dividend % | 200.00 | 165.00 | 150.00 | 150.00 | 63.00 |
| Earnings Per Share | 14.00 | 26.00 | 18.00 | 16.00 | 20.00 |
| Adjusted EPS | 14.00 | 26.00 | 18.00 | 16.00 | 20.00 |
