| (Rs. in Million) |
| INCOME : | | | | | |
| Operating Income | 179140.00 | 159240.00 | 135770.00 | 127750.00 | 119300.00 |
| Sale of Shares / Units | | | | | |
| Interest income | 166160.00 | 146630.00 | 129140.00 | 125650.00 | 117040.00 |
| Portfolio management services | | | | | |
| Dividend income | 0.00 | 10.00 | 0.00 | 0.00 | 0.00 |
| Brokerages & commissions | | | | | |
| Processing fees and other charges | | | | | 1990.00 |
| Other Operating Income | 12970.00 | 12600.00 | 6620.00 | 2100.00 | 270.00 |
| Operating Income (Net) | 179140.00 | 159240.00 | 135770.00 | 127750.00 | 119300.00 |
| EXPENDITURE : | | | | | |
| Increase/Decrease in Stock | | | | | |
| Employee Cost | 24550.00 | 22170.00 | 18060.00 | 14060.00 | 10950.00 |
| Salaries, Wages & Bonus | 22020.00 | 19930.00 | 16240.00 | 12570.00 | 9630.00 |
| Contributions to EPF & Pension Funds | 960.00 | 740.00 | 570.00 | 480.00 | 400.00 |
| Workmen and Staff Welfare Expenses | 1100.00 | 960.00 | 750.00 | 640.00 | 620.00 |
| Other Employees Cost | 470.00 | 530.00 | 500.00 | 370.00 | 300.00 |
| Operating & Establishment Expenses | 8800.00 | 8340.00 | 6930.00 | 5180.00 | 5390.00 |
| Depository Charges | | | | | |
| Security Transaction tax | | | | | |
| Software & Technical expenses | 2300.00 | 1950.00 | | | |
| Commission, Brokerage & Discounts | 5210.00 | 5600.00 | 5230.00 | 4220.00 | 4380.00 |
| Rent , Rates & Taxes | 800.00 | 450.00 | 1010.00 | 280.00 | 180.00 |
| Repairs and Maintenance | 450.00 | 320.00 | 630.00 | 560.00 | 720.00 |
| Insurance | 40.00 | 20.00 | 60.00 | 40.00 | 40.00 |
| Electricity & Power | | | | 60.00 | 60.00 |
| Other Operating Expenses | 0.00 | 0.00 | 0.00 | 20.00 | 10.00 |
| Administrations & Other Expenses | 6400.00 | 6170.00 | 8800.00 | 7460.00 | 4890.00 |
| Printing and stationery | 90.00 | 90.00 | 110.00 | 100.00 | 60.00 |
| Professional and legal fees | 3980.00 | 4210.00 | 6800.00 | 6240.00 | 4440.00 |
| Advertisement & Sales Promotion | 840.00 | 700.00 | 1030.00 | 600.00 | 30.00 |
| Other General Expenses | 1490.00 | 1170.00 | 860.00 | 520.00 | 360.00 |
| Provisions and Contingencies | 50560.00 | 47270.00 | 38240.00 | 45810.00 | 70490.00 |
| Provisions for contingencies | | | | | |
| Provisions against NPAs | | | | | |
| Bad debts /advances written off | | | | | |
| Provision for doubtful debts | 0.00 | | 60.00 | 10.00 | 40.00 |
| Losson disposal of fixed assets(net) | 10.00 | 0.00 | 10.00 | | 0.00 |
| Losson foreign exchange fluctuations | | | | | |
| Losson sale of non-trade current investments | | | | | 4680.00 |
| Other Miscellaneous Expenses | 50550.00 | 47260.00 | 38170.00 | 45800.00 | 65770.00 |
| Less: Expenses Capitalised | | | | | |
| Total Expenditure | 90310.00 | 83950.00 | 72030.00 | 72500.00 | 91720.00 |
| Operating Profit (Excl OI) | 88830.00 | 75300.00 | 63730.00 | 55250.00 | 27580.00 |
| Other Income | 22680.00 | 22530.00 | 21570.00 | 25400.00 | 43410.00 |
| Other Interest Income | | | | | |
| Other Commission | | | | | |
| Discounts | | | | | |
| Profit on sale of Fixed Assets | | | | 30.00 | |
| Income from investments | | | 6750.00 | 5100.00 | |
| Provision Written Back | 22650.00 | 22360.00 | 10080.00 | 14990.00 | 35510.00 |
| Others | 30.00 | 170.00 | 4750.00 | 5280.00 | 7890.00 |
| Operating Profit | 111510.00 | 97820.00 | 85300.00 | 80640.00 | 70990.00 |
| Interest | 69150.00 | 61520.00 | 53870.00 | 58220.00 | 57730.00 |
| Loans | 39860.00 | 32900.00 | 26470.00 | 24440.00 | 19000.00 |
| Deposits | | | | | |
| Bonds / Debentures | 26670.00 | 26780.00 | 26940.00 | 33130.00 | 38280.00 |
| Other Interest | 2610.00 | 1840.00 | 450.00 | 650.00 | 460.00 |
| Depreciation | 2100.00 | 1390.00 | 1150.00 | 1110.00 | 1030.00 |
| Profit Before Taxation & Exceptional Items | 40270.00 | 34910.00 | 30290.00 | 21310.00 | 12230.00 |
| Exceptional Income / Expenses | -290.00 | | | -26870.00 | |
| Profit Before Tax | 39980.00 | 34910.00 | 30290.00 | -5570.00 | 12230.00 |
| Provision for Tax | 10150.00 | 8480.00 | 7120.00 | 1720.00 | 3740.00 |
| Current Income Tax | 10710.00 | 7660.00 | 7160.00 | 6260.00 | 2110.00 |
| Deferred Tax | -550.00 | 820.00 | -40.00 | -4540.00 | 1630.00 |
| Other taxes | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit After Tax | 29830.00 | 26430.00 | 23170.00 | -7290.00 | 8490.00 |
| Extra items | 0.00 | 0.00 | 0.00 | 22650.00 | 2000.00 |
| Minority Interest | -20.00 | 0.00 | 30.00 | 870.00 | 210.00 |
| Share of Associate | | | | | |
| Other Consolidated Items | | | | | |
| Consolidated Net Profit | 29810.00 | 26440.00 | 23200.00 | 16230.00 | 10700.00 |
| Adjustments to PAT | | | | | |
| Profit Balance B/F | 91340.00 | 76490.00 | 62990.00 | 54230.00 | 46420.00 |
| Appropriations | 121160.00 | 102930.00 | 86190.00 | 70460.00 | 57130.00 |
| General Reserve | | | | | |
| Proposed Equity Dividend | | | | | |
| Corporate dividend tax | | | | | |
| Other Appropriation | 121160.00 | 102930.00 | 86190.00 | 70460.00 | 57130.00 |
| Equity Dividend % | 28.00 | 28.00 | 25.00 | 20.00 | 5.00 |
| Earnings Per Share | 12.00 | 11.00 | 9.00 | 7.00 | 4.00 |
| Adjusted EPS | 12.00 | 11.00 | 9.00 | 7.00 | 4.00 |
