| (Rs. in Million) |
| INCOME : | | | | | |
| Operating Income | 86230.00 | 84750.00 | 87190.00 | 89830.00 | 99270.00 |
| Sale of Shares / Units | | | | | |
| Interest income | 71800.00 | 67840.00 | 76760.00 | 85830.00 | 97220.00 |
| Portfolio management services | | | | | |
| Dividend income | | | | | 0.00 |
| Brokerages & commissions | 420.00 | 290.00 | 110.00 | 30.00 | 10.00 |
| Processing fees and other charges | | | | | |
| Other Operating Income | 14010.00 | 16620.00 | 10320.00 | 3980.00 | 2040.00 |
| Operating Income (Net) | 86230.00 | 84750.00 | 87190.00 | 89830.00 | 99270.00 |
| EXPENDITURE : | | | | | |
| Increase/Decrease in Stock | | | | | |
| Employee Cost | 7380.00 | 6190.00 | 5150.00 | 4680.00 | 2530.00 |
| Salaries, Wages & Bonus | 5680.00 | 5680.00 | 5530.00 | 4540.00 | 3040.00 |
| Contributions to EPF & Pension Funds | 80.00 | 70.00 | 70.00 | 50.00 | 40.00 |
| Workmen and Staff Welfare Expenses | 100.00 | 90.00 | 70.00 | 40.00 | 20.00 |
| Other Employees Cost | 1530.00 | 350.00 | -520.00 | 50.00 | -580.00 |
| Operating & Establishment Expenses | 540.00 | 520.00 | 540.00 | 380.00 | 420.00 |
| Depository Charges | | | | | |
| Security Transaction tax | | | | | |
| Software & Technical expenses | | | | | |
| Commission, Brokerage & Discounts | 20.00 | 10.00 | 40.00 | 50.00 | 60.00 |
| Rent , Rates & Taxes | 150.00 | 140.00 | 160.00 | 80.00 | 90.00 |
| Repairs and Maintenance | 290.00 | 300.00 | 250.00 | 190.00 | 170.00 |
| Insurance | | | | | |
| Electricity & Power | 70.00 | 60.00 | 70.00 | 50.00 | 50.00 |
| Other Operating Expenses | 20.00 | 20.00 | 20.00 | 10.00 | 40.00 |
| Administrations & Other Expenses | 2920.00 | 1130.00 | 1180.00 | 830.00 | 900.00 |
| Printing and stationery | 30.00 | 30.00 | 30.00 | 20.00 | 10.00 |
| Professional and legal fees | 2190.00 | 630.00 | 700.00 | 440.00 | 590.00 |
| Advertisement & Sales Promotion | 260.00 | 60.00 | 110.00 | 110.00 | 40.00 |
| Other General Expenses | 440.00 | 410.00 | 340.00 | 270.00 | 250.00 |
| Provisions and Contingencies | 58210.00 | 9140.00 | 8670.00 | 5850.00 | 10480.00 |
| Provisions for contingencies | | | | | |
| Provisions against NPAs | 56310.00 | 8680.00 | 8200.00 | 5200.00 | 8100.00 |
| Bad debts /advances written off | | | | | 1100.00 |
| Provision for doubtful debts | | | | | |
| Losson disposal of fixed assets(net) | 50.00 | | | 0.00 | 30.00 |
| Losson foreign exchange fluctuations | | | | | |
| Losson sale of non-trade current investments | | | | | 370.00 |
| Other Miscellaneous Expenses | 1840.00 | 460.00 | 470.00 | 650.00 | 880.00 |
| Less: Expenses Capitalised | | | | | |
| Total Expenditure | 69050.00 | 16990.00 | 15540.00 | 11750.00 | 14320.00 |
| Operating Profit (Excl OI) | 17180.00 | 67760.00 | 71650.00 | 78080.00 | 84950.00 |
| Other Income | 7810.00 | 2640.00 | 1610.00 | 670.00 | 1030.00 |
| Other Interest Income | 520.00 | 1040.00 | 0.00 | 50.00 | 710.00 |
| Other Commission | | | | | |
| Discounts | | | | | |
| Profit on sale of Fixed Assets | | | | | |
| Income from investments | | | | | |
| Provision Written Back | 0.00 | 10.00 | 20.00 | 10.00 | 170.00 |
| Others | 7280.00 | 1590.00 | 1590.00 | 600.00 | 160.00 |
| Operating Profit | 24990.00 | 70400.00 | 73260.00 | 78750.00 | 85980.00 |
| Interest | 47910.00 | 53070.00 | 56360.00 | 62420.00 | 69390.00 |
| Loans | 28540.00 | 31380.00 | 30780.00 | 30550.00 | 32620.00 |
| Deposits | | | | | |
| Bonds / Debentures | 16920.00 | 18500.00 | 21790.00 | 26700.00 | 33170.00 |
| Other Interest | 2460.00 | 3190.00 | 3800.00 | 5170.00 | 3600.00 |
| Depreciation | 830.00 | 850.00 | 860.00 | 770.00 | 970.00 |
| Profit Before Taxation & Exceptional Items | -23760.00 | 16490.00 | 16040.00 | 15560.00 | 15620.00 |
| Exceptional Income / Expenses | | | | | |
| Profit Before Tax | -23760.00 | 16490.00 | 16040.00 | 15560.00 | 15620.00 |
| Provision for Tax | -5680.00 | 4320.00 | 4760.00 | 3780.00 | 3600.00 |
| Current Income Tax | -90.00 | 1230.00 | 1790.00 | 640.00 | 640.00 |
| Deferred Tax | -5590.00 | 3090.00 | 2960.00 | 3160.00 | 2970.00 |
| Other taxes | 0.00 | 0.00 | 10.00 | -10.00 | -10.00 |
| Profit After Tax | -18070.00 | 12170.00 | 11280.00 | 11780.00 | 12020.00 |
| Extra items | 0.00 | -30.00 | 20.00 | 0.00 | 0.00 |
| Minority Interest | | | | | |
| Share of Associate | | | | | |
| Other Consolidated Items | | | | | |
| Consolidated Net Profit | -18070.00 | 12140.00 | 11300.00 | 11780.00 | 12020.00 |
| Adjustments to PAT | | | | | |
| Profit Balance B/F | 25190.00 | 16760.00 | 14270.00 | 9970.00 | 13180.00 |
| Appropriations | 7120.00 | 28900.00 | 25570.00 | 21750.00 | 25190.00 |
| General Reserve | | | | | |
| Proposed Equity Dividend | | | | | |
| Corporate dividend tax | | | | | |
| Other Appropriation | 7120.00 | 28900.00 | 25570.00 | 21750.00 | 25190.00 |
| Equity Dividend % | | 100.00 | 63.00 | | 450.00 |
| Earnings Per Share | -22.00 | 21.00 | 25.00 | 26.00 | 27.00 |
| Adjusted EPS | -22.00 | 21.00 | 22.00 | 24.00 | 24.00 |
