| (Rs. in Million) |
| INCOME : | | | | | |
| Operating Income | 184630.00 | 157970.00 | 127000.00 | 113180.00 | 121110.00 |
| Sale of Shares / Units | | | | | |
| Interest income | 165660.00 | 144120.00 | 120300.00 | 108580.00 | 117040.00 |
| Portfolio management services | | | | | |
| Dividend income | | | 0.00 | 0.00 | 0.00 |
| Brokerages & commissions | | | | | |
| Processing fees and other charges | 11920.00 | 10580.00 | 3910.00 | 2720.00 | 2040.00 |
| Other Operating Income | 7050.00 | 3270.00 | 2790.00 | 1880.00 | 2040.00 |
| Operating Income (Net) | 184630.00 | 157970.00 | 127000.00 | 113180.00 | 121110.00 |
| EXPENDITURE : | | | | | |
| Increase/Decrease in Stock | | | | | |
| Employee Cost | 23550.00 | 22610.00 | 21150.00 | 16130.00 | 13840.00 |
| Salaries, Wages & Bonus | 21710.00 | 20860.00 | 19280.00 | 14530.00 | 12460.00 |
| Contributions to EPF & Pension Funds | 1410.00 | 1270.00 | 1340.00 | 1160.00 | 1020.00 |
| Workmen and Staff Welfare Expenses | 360.00 | 420.00 | 390.00 | 310.00 | 70.00 |
| Other Employees Cost | 70.00 | 70.00 | 150.00 | 130.00 | 290.00 |
| Operating & Establishment Expenses | 14120.00 | 11610.00 | 6400.00 | 5040.00 | 3100.00 |
| Depository Charges | | | | | |
| Security Transaction tax | | | | | |
| Software & Technical expenses | | | | | |
| Commission, Brokerage & Discounts | 10450.00 | 8680.00 | 2850.00 | 1560.00 | 1050.00 |
| Rent , Rates & Taxes | 320.00 | 320.00 | 270.00 | 260.00 | 250.00 |
| Repairs and Maintenance | 140.00 | 150.00 | 180.00 | 70.00 | 70.00 |
| Insurance | 760.00 | 760.00 | 710.00 | 530.00 | 530.00 |
| Electricity & Power | 220.00 | 220.00 | 190.00 | 160.00 | 120.00 |
| Other Operating Expenses | 2220.00 | 1480.00 | 2190.00 | 2450.00 | 1080.00 |
| Administrations & Other Expenses | 9210.00 | 7950.00 | 7070.00 | 4940.00 | 3150.00 |
| Printing and stationery | 150.00 | 160.00 | 190.00 | 130.00 | 80.00 |
| Professional and legal fees | 1940.00 | 1910.00 | 1550.00 | 790.00 | 640.00 |
| Advertisement & Sales Promotion | 280.00 | 410.00 | 290.00 | 160.00 | 80.00 |
| Other General Expenses | 6840.00 | 5460.00 | 5040.00 | 3860.00 | 2350.00 |
| Provisions and Contingencies | 21450.00 | 19960.00 | 26580.00 | 28220.00 | 40380.00 |
| Provisions for contingencies | | | | | |
| Provisions against NPAs | | | | | |
| Bad debts /advances written off | 16900.00 | 19310.00 | 26070.00 | 27770.00 | 24870.00 |
| Provision for doubtful debts | | | | | 30.00 |
| Losson disposal of fixed assets(net) | | | | | |
| Losson foreign exchange fluctuations | | | | | |
| Losson sale of non-trade current investments | 0.00 | | | | |
| Other Miscellaneous Expenses | 4550.00 | 640.00 | 510.00 | 450.00 | 15490.00 |
| Less: Expenses Capitalised | | | | | |
| Total Expenditure | 68320.00 | 62120.00 | 61200.00 | 54330.00 | 60470.00 |
| Operating Profit (Excl OI) | 116310.00 | 95840.00 | 65800.00 | 58850.00 | 60640.00 |
| Other Income | 1750.00 | 1820.00 | 15570.00 | 1690.00 | 600.00 |
| Other Interest Income | | | | | |
| Other Commission | | | | | |
| Discounts | | | | | |
| Profit on sale of Fixed Assets | 40.00 | 70.00 | 30.00 | 20.00 | 0.00 |
| Income from investments | | 10.00 | 0.00 | 290.00 | 60.00 |
| Provision Written Back | | 70.00 | 14240.00 | 860.00 | |
| Others | 1710.00 | 1660.00 | 1300.00 | 530.00 | 540.00 |
| Operating Profit | 118060.00 | 97660.00 | 81370.00 | 60530.00 | 61240.00 |
| Interest | 85230.00 | 69590.00 | 50940.00 | 44170.00 | 53080.00 |
| Loans | 46740.00 | 36300.00 | 23550.00 | 16300.00 | 16050.00 |
| Deposits | 7480.00 | 4900.00 | 5350.00 | 7630.00 | 8130.00 |
| Bonds / Debentures | 30450.00 | 27760.00 | 21660.00 | 19610.00 | 26300.00 |
| Other Interest | 560.00 | 640.00 | 380.00 | 630.00 | 2600.00 |
| Depreciation | 3210.00 | 2750.00 | 2260.00 | 1520.00 | 1510.00 |
| Profit Before Taxation & Exceptional Items | 29620.00 | 25320.00 | 28170.00 | 14840.00 | 6660.00 |
| Exceptional Income / Expenses | | | -560.00 | 210.00 | 2290.00 |
| Profit Before Tax | 30270.00 | 25880.00 | 28040.00 | 15490.00 | 9340.00 |
| Provision for Tax | 7660.00 | 6450.00 | 7330.00 | 3990.00 | 1540.00 |
| Current Income Tax | 8210.00 | 7180.00 | 4960.00 | 3880.00 | 5120.00 |
| Deferred Tax | -550.00 | -710.00 | 2340.00 | -120.00 | -3410.00 |
| Other taxes | 0.00 | -20.00 | 20.00 | 230.00 | -180.00 |
| Profit After Tax | 22610.00 | 19430.00 | 20710.00 | 11500.00 | 7800.00 |
| Extra items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Minority Interest | 10.00 | -100.00 | 10.00 | -130.00 | -70.00 |
| Share of Associate | | | | | |
| Other Consolidated Items | | | | | |
| Consolidated Net Profit | 22620.00 | 19330.00 | 20720.00 | 11370.00 | 7730.00 |
| Adjustments to PAT | | | | | |
| Profit Balance B/F | 83640.00 | 74170.00 | 61470.00 | 52850.00 | 45780.00 |
| Appropriations | 106260.00 | 93500.00 | 82190.00 | 64220.00 | 53510.00 |
| General Reserve | | | | | |
| Proposed Equity Dividend | | | | | |
| Corporate dividend tax | | | | | |
| Other Appropriation | 106260.00 | 93500.00 | 82190.00 | 64220.00 | 53510.00 |
| Equity Dividend % | 325.00 | 315.00 | 300.00 | 180.00 | 40.00 |
| Earnings Per Share | 18.00 | 16.00 | 17.00 | 9.00 | 6.00 |
| Adjusted EPS | 18.00 | 15.00 | 16.00 | 9.00 | 6.00 |
