| (Rs. in Million) |
| INCOME : | | | | | |
| Operating Income | 76650.00 | 70500.00 | 65270.00 | 61960.00 | 76040.00 |
| Sale of Shares / Units | | | | | |
| Interest income | 72740.00 | 67420.00 | 61990.00 | 58220.00 | 71900.00 |
| Portfolio management services | | | | | |
| Dividend income | | | | | |
| Brokerages & commissions | 3640.00 | 2730.00 | 2830.00 | 2630.00 | 1810.00 |
| Processing fees and other charges | | | | | |
| Other Operating Income | 270.00 | 350.00 | 450.00 | 1110.00 | 2330.00 |
| Operating Income (Net) | 76650.00 | 70500.00 | 65270.00 | 61960.00 | 76040.00 |
| EXPENDITURE : | | | | | |
| Increase/Decrease in Stock | | | | | |
| Employee Cost | 4210.00 | 3370.00 | 2660.00 | 2170.00 | 2110.00 |
| Salaries, Wages & Bonus | 3660.00 | 2930.00 | 2310.00 | 1930.00 | 1790.00 |
| Contributions to EPF & Pension Funds | 290.00 | 230.00 | 180.00 | 170.00 | 150.00 |
| Workmen and Staff Welfare Expenses | 90.00 | 60.00 | 50.00 | 30.00 | 30.00 |
| Other Employees Cost | 180.00 | 140.00 | 120.00 | 40.00 | 130.00 |
| Operating & Establishment Expenses | 1430.00 | 1310.00 | 850.00 | 670.00 | 680.00 |
| Depository Charges | | | | | |
| Security Transaction tax | | | | | |
| Software & Technical expenses | | | | | |
| Commission, Brokerage & Discounts | 140.00 | 120.00 | 120.00 | 110.00 | 120.00 |
| Rent , Rates & Taxes | 30.00 | 50.00 | 20.00 | 20.00 | 30.00 |
| Repairs and Maintenance | 720.00 | 650.00 | 550.00 | 430.00 | 420.00 |
| Insurance | 0.00 | 10.00 | 10.00 | 10.00 | 0.00 |
| Electricity & Power | 100.00 | 90.00 | 90.00 | 70.00 | 70.00 |
| Other Operating Expenses | 440.00 | 390.00 | 70.00 | 30.00 | 30.00 |
| Administrations & Other Expenses | 1620.00 | 1260.00 | 1090.00 | 1070.00 | 610.00 |
| Printing and stationery | 60.00 | 50.00 | 50.00 | 40.00 | 30.00 |
| Professional and legal fees | 920.00 | 630.00 | 540.00 | 610.00 | 340.00 |
| Advertisement & Sales Promotion | 250.00 | 240.00 | 200.00 | 180.00 | 80.00 |
| Other General Expenses | 390.00 | 340.00 | 300.00 | 230.00 | 160.00 |
| Provisions and Contingencies | 20.00 | 3780.00 | 18840.00 | 6090.00 | 9170.00 |
| Provisions for contingencies | | | | | |
| Provisions against NPAs | | | | | |
| Bad debts /advances written off | -1930.00 | 3540.00 | 17380.00 | 5620.00 | 830.00 |
| Provision for doubtful debts | 0.00 | 0.00 | | | |
| Losson disposal of fixed assets(net) | | 0.00 | 0.00 | 0.00 | 40.00 |
| Losson foreign exchange fluctuations | | | | | |
| Losson sale of non-trade current investments | | | | | |
| Other Miscellaneous Expenses | 1950.00 | 240.00 | 1460.00 | 470.00 | 8300.00 |
| Less: Expenses Capitalised | | | | | |
| Total Expenditure | 7280.00 | 9720.00 | 23430.00 | 9990.00 | 12570.00 |
| Operating Profit (Excl OI) | 69370.00 | 60780.00 | 41840.00 | 51970.00 | 63470.00 |
| Other Income | 1560.00 | 1900.00 | 11280.00 | 50.00 | 200.00 |
| Other Interest Income | 200.00 | 30.00 | | | |
| Other Commission | | | | | |
| Discounts | | | | | |
| Profit on sale of Fixed Assets | | | | | |
| Income from investments | | | | | |
| Provision Written Back | 1300.00 | 1830.00 | 11260.00 | 10.00 | |
| Others | 70.00 | 40.00 | 20.00 | 50.00 | 200.00 |
| Operating Profit | 70930.00 | 62680.00 | 53120.00 | 52020.00 | 63670.00 |
| Interest | 45520.00 | 42630.00 | 39000.00 | 40650.00 | 51010.00 |
| Loans | 23320.00 | 23290.00 | 20510.00 | 19130.00 | 24100.00 |
| Deposits | 13970.00 | 13210.00 | 13150.00 | 13070.00 | 13320.00 |
| Bonds / Debentures | 8010.00 | 5940.00 | 5150.00 | 8290.00 | 13330.00 |
| Other Interest | 220.00 | 200.00 | 180.00 | 160.00 | 260.00 |
| Depreciation | 560.00 | 510.00 | 510.00 | 530.00 | 590.00 |
| Profit Before Taxation & Exceptional Items | 24860.00 | 19540.00 | 13610.00 | 10840.00 | 12070.00 |
| Exceptional Income / Expenses | | | | | |
| Profit Before Tax | 24860.00 | 19540.00 | 13610.00 | 10840.00 | 12070.00 |
| Provision for Tax | 5500.00 | 4460.00 | 3150.00 | 2470.00 | 2770.00 |
| Current Income Tax | 5710.00 | 4230.00 | 880.00 | 2970.00 | 4290.00 |
| Deferred Tax | -200.00 | 230.00 | 2270.00 | -20.00 | -1360.00 |
| Other taxes | -10.00 | 0.00 | 0.00 | -470.00 | -160.00 |
| Profit After Tax | 19360.00 | 15080.00 | 10460.00 | 8360.00 | 9300.00 |
| Extra items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Minority Interest | | | | | |
| Share of Associate | | | | | |
| Other Consolidated Items | | | | | |
| Consolidated Net Profit | 19360.00 | 15080.00 | 10460.00 | 8360.00 | 9300.00 |
| Adjustments to PAT | | | | | |
| Profit Balance B/F | 64530.00 | 52500.00 | 44030.00 | 37130.00 | 29710.00 |
| Appropriations | 83890.00 | 67580.00 | 54490.00 | 45490.00 | 39010.00 |
| General Reserve | | | | | |
| Proposed Equity Dividend | | | | | |
| Corporate dividend tax | | | | | |
| Other Appropriation | 83890.00 | 67580.00 | 54490.00 | 45490.00 | 39010.00 |
| Equity Dividend % | 50.00 | | | | |
| Earnings Per Share | 74.00 | 58.00 | 62.00 | 50.00 | 55.00 |
| Adjusted EPS | 74.00 | 58.00 | 51.00 | 41.00 | 46.00 |
