| (Rs. in Million) |
| INCOME : | | | | | |
| Operating Income | 102110.00 | 102500.00 | 82700.00 | 68550.00 | 58398.00 |
| Sale of Shares / Units | | | | | |
| Interest income | 95040.00 | 98390.00 | 78800.00 | 65460.00 | 55510.00 |
| Portfolio management services | | | | | |
| Dividend income | 20.00 | 0.00 | | | 59.00 |
| Brokerages & commissions | 1970.00 | 1630.00 | 490.00 | 150.00 | 134.00 |
| Processing fees and other charges | 2880.00 | 2480.00 | 1800.00 | 1380.00 | 979.00 |
| Other Operating Income | 2190.00 | 0.00 | 1610.00 | 1560.00 | 1716.00 |
| Operating Income (Net) | 102110.00 | 102500.00 | 82700.00 | 68550.00 | 58398.00 |
| EXPENDITURE : | | | | | |
| Increase/Decrease in Stock | | | | | |
| Employee Cost | 18890.00 | 16850.00 | 13300.00 | 9310.00 | 7231.00 |
| Salaries, Wages & Bonus | 15880.00 | 14440.00 | 11900.00 | 8310.00 | 6449.00 |
| Contributions to EPF & Pension Funds | 930.00 | 890.00 | 740.00 | 550.00 | 412.00 |
| Workmen and Staff Welfare Expenses | 680.00 | 630.00 | 280.00 | 270.00 | 197.00 |
| Other Employees Cost | 1400.00 | 890.00 | 370.00 | 180.00 | 173.00 |
| Operating & Establishment Expenses | 3230.00 | 2850.00 | 2410.00 | 1690.00 | 989.00 |
| Depository Charges | | | | | |
| Security Transaction tax | | | | | |
| Software & Technical expenses | 1070.00 | 830.00 | 460.00 | 390.00 | 227.00 |
| Commission, Brokerage & Discounts | | | | | |
| Rent , Rates & Taxes | 540.00 | 500.00 | 330.00 | 220.00 | 138.00 |
| Repairs and Maintenance | 260.00 | 290.00 | 180.00 | 160.00 | 92.00 |
| Insurance | 280.00 | 190.00 | 140.00 | 200.00 | 236.00 |
| Electricity & Power | 270.00 | 250.00 | 230.00 | 150.00 | 115.00 |
| Other Operating Expenses | 810.00 | 790.00 | 1060.00 | 570.00 | 181.00 |
| Administrations & Other Expenses | 4910.00 | 5920.00 | 4630.00 | 3230.00 | 2304.00 |
| Printing and stationery | 70.00 | 130.00 | 150.00 | 90.00 | 57.00 |
| Professional and legal fees | 1700.00 | 1690.00 | 1440.00 | 870.00 | 550.00 |
| Advertisement & Sales Promotion | 600.00 | 1720.00 | 760.00 | 500.00 | 324.00 |
| Other General Expenses | 2540.00 | 2380.00 | 2280.00 | 1770.00 | 1373.00 |
| Provisions and Contingencies | 18780.00 | 12960.00 | 9900.00 | 9410.00 | 11885.00 |
| Provisions for contingencies | | | | | |
| Provisions against NPAs | | | | | |
| Bad debts /advances written off | 15200.00 | 9110.00 | 9350.00 | 9040.00 | 6483.00 |
| Provision for doubtful debts | | | | | |
| Losson disposal of fixed assets(net) | 0.00 | 0.00 | 10.00 | 0.00 | 14.00 |
| Losson foreign exchange fluctuations | | | | | |
| Losson sale of non-trade current investments | | | | | |
| Other Miscellaneous Expenses | 3580.00 | 3840.00 | 540.00 | 370.00 | 5388.00 |
| Less: Expenses Capitalised | | | | | |
| Total Expenditure | 45800.00 | 38570.00 | 30230.00 | 23640.00 | 22409.00 |
| Operating Profit (Excl OI) | 56310.00 | 63930.00 | 52470.00 | 44910.00 | 35989.00 |
| Other Income | 480.00 | 2560.00 | 2640.00 | 1780.00 | 1499.00 |
| Other Interest Income | 10.00 | 10.00 | 260.00 | 40.00 | 1.00 |
| Other Commission | | | | | |
| Discounts | | | | | |
| Profit on sale of Fixed Assets | 0.00 | 180.00 | 30.00 | 20.00 | 3.00 |
| Income from investments | | | | | |
| Provision Written Back | 220.00 | 150.00 | 860.00 | 90.00 | |
| Others | 250.00 | 2220.00 | 1490.00 | 1630.00 | 1495.00 |
| Operating Profit | 56780.00 | 66480.00 | 55100.00 | 46690.00 | 37488.00 |
| Interest | 41960.00 | 38960.00 | 32450.00 | 30110.00 | 26383.00 |
| Loans | 27280.00 | 26760.00 | 21570.00 | 17690.00 | 15181.00 |
| Deposits | 0.00 | 20.00 | | | |
| Bonds / Debentures | 12350.00 | 9810.00 | 9030.00 | 10830.00 | 10172.00 |
| Other Interest | 2330.00 | 2370.00 | 1850.00 | 1590.00 | 1030.00 |
| Depreciation | 1890.00 | 1810.00 | 1530.00 | 1220.00 | 1057.00 |
| Profit Before Taxation & Exceptional Items | 12940.00 | 25720.00 | 21130.00 | 15360.00 | 10048.00 |
| Exceptional Income / Expenses | -5870.00 | | | | |
| Profit Before Tax | 7070.00 | 25720.00 | 21130.00 | 15360.00 | 10048.00 |
| Provision for Tax | 1290.00 | 5980.00 | 5050.00 | 3480.00 | 2440.00 |
| Current Income Tax | 3660.00 | 6110.00 | 3630.00 | 3280.00 | 3174.00 |
| Deferred Tax | -2300.00 | -100.00 | 1450.00 | 190.00 | -779.00 |
| Other taxes | -70.00 | -20.00 | -20.00 | 10.00 | 46.00 |
| Profit After Tax | 5780.00 | 19740.00 | 16080.00 | 11880.00 | 7608.00 |
| Extra items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Minority Interest | -1990.00 | -2110.00 | -1070.00 | 0.00 | -7.00 |
| Share of Associate | | | | | |
| Other Consolidated Items | | | | | |
| Consolidated Net Profit | 3790.00 | 17640.00 | 15000.00 | 11880.00 | 7601.00 |
| Adjustments to PAT | | | | | |
| Profit Balance B/F | 41850.00 | 30260.00 | 23330.00 | 15900.00 | 11055.00 |
| Appropriations | 45630.00 | 47900.00 | 38330.00 | 27780.00 | 18656.00 |
| General Reserve | | | | | |
| Proposed Equity Dividend | | | | | |
| Corporate dividend tax | | | | | |
| Other Appropriation | 45630.00 | 47900.00 | 38330.00 | 27780.00 | 18656.00 |
| Equity Dividend % | | 200.00 | 200.00 | 175.00 | 150.00 |
| Earnings Per Share | 9.00 | 46.00 | 39.00 | 31.00 | 20.00 |
| Adjusted EPS | 9.00 | 45.00 | 38.00 | 30.00 | 19.00 |
