| (Rs. in Million) |
| INCOME : | | | | | |
| Operating Income | 202142.00 | 150617.00 | 118977.00 | 121856.00 | 115346.00 |
| Sale of Shares / Units | | | | | |
| Interest income | 196629.00 | 145457.00 | 115555.00 | 119252.00 | 112103.00 |
| Portfolio management services | | | | | |
| Dividend income | 20.00 | 48.00 | 9.00 | 0.00 | 0.00 |
| Brokerages & commissions | | | | | |
| Processing fees and other charges | | | | | |
| Other Operating Income | 5493.00 | 5111.00 | 3412.00 | 2604.00 | 3243.00 |
| Operating Income (Net) | 202142.00 | 150617.00 | 118977.00 | 121856.00 | 115346.00 |
| EXPENDITURE : | | | | | |
| Increase/Decrease in Stock | | | | | |
| Employee Cost | 23250.00 | 18282.00 | 14883.00 | 12368.00 | 11893.00 |
| Salaries, Wages & Bonus | 21611.00 | 16999.00 | 13831.00 | 11427.00 | 11006.00 |
| Contributions to EPF & Pension Funds | 1330.00 | 998.00 | 871.00 | 816.00 | 713.00 |
| Workmen and Staff Welfare Expenses | 309.00 | 285.00 | 181.00 | 127.00 | 160.00 |
| Other Employees Cost | 0.00 | 0.00 | 0.00 | -2.00 | 14.00 |
| Operating & Establishment Expenses | 6307.00 | 5129.00 | 4540.00 | 4242.00 | 3719.00 |
| Depository Charges | | | | | |
| Security Transaction tax | | | | | |
| Software & Technical expenses | | | | | 19.00 |
| Commission, Brokerage & Discounts | 94.00 | | | | |
| Rent , Rates & Taxes | 4417.00 | 3497.00 | 3273.00 | 3054.00 | 2819.00 |
| Repairs and Maintenance | 983.00 | 691.00 | 562.00 | 651.00 | 348.00 |
| Insurance | 196.00 | 184.00 | 137.00 | 145.00 | 218.00 |
| Electricity & Power | 605.00 | 524.00 | 431.00 | 337.00 | 307.00 |
| Other Operating Expenses | 13.00 | 233.00 | 138.00 | 56.00 | 9.00 |
| Administrations & Other Expenses | 7142.00 | 5584.00 | 4096.00 | 3003.00 | 3111.00 |
| Printing and stationery | 304.00 | 285.00 | 243.00 | 175.00 | 171.00 |
| Professional and legal fees | 1382.00 | 1052.00 | 602.00 | 409.00 | 472.00 |
| Advertisement & Sales Promotion | 3660.00 | 2696.00 | 1834.00 | 1281.00 | 1578.00 |
| Other General Expenses | 1796.00 | 1551.00 | 1417.00 | 1137.00 | 890.00 |
| Provisions and Contingencies | 18114.00 | 7230.00 | 3973.00 | 5291.00 | 3905.00 |
| Provisions for contingencies | | | | | |
| Provisions against NPAs | | | | | |
| Bad debts /advances written off | 7143.00 | 2268.00 | 1233.00 | 1225.00 | 316.00 |
| Provision for doubtful debts | | | | | |
| Losson disposal of fixed assets(net) | 1.00 | 1.00 | 21.00 | 6.00 | 35.00 |
| Losson foreign exchange fluctuations | | | | | |
| Losson sale of non-trade current investments | | | | | 32.00 |
| Other Miscellaneous Expenses | 10970.00 | 4961.00 | 2719.00 | 4059.00 | 3521.00 |
| Less: Expenses Capitalised | | | | | |
| Total Expenditure | 54813.00 | 36226.00 | 27492.00 | 24904.00 | 22627.00 |
| Operating Profit (Excl OI) | 147329.00 | 114391.00 | 91484.00 | 96952.00 | 92718.00 |
| Other Income | 1103.00 | 1011.00 | 773.00 | 526.00 | 359.00 |
| Other Interest Income | | | | | |
| Other Commission | | | | | |
| Discounts | | | | | |
| Profit on sale of Fixed Assets | | | | | |
| Income from investments | | | | | |
| Provision Written Back | | | | | 3.00 |
| Others | 1103.00 | 1011.00 | 773.00 | 526.00 | 356.00 |
| Operating Profit | 148432.00 | 115402.00 | 92258.00 | 97478.00 | 93077.00 |
| Interest | 74612.00 | 54516.00 | 42248.00 | 42676.00 | 41089.00 |
| Loans | 54937.00 | 39962.00 | 30559.00 | 29380.00 | 28572.00 |
| Deposits | 629.00 | 691.00 | 495.00 | 244.00 | 274.00 |
| Bonds / Debentures | 18530.00 | 13364.00 | 11009.00 | 12903.00 | 12112.00 |
| Other Interest | 515.00 | 498.00 | 185.00 | 148.00 | 131.00 |
| Depreciation | 1160.00 | 921.00 | 782.00 | 700.00 | 674.00 |
| Profit Before Taxation & Exceptional Items | 72660.00 | 59965.00 | 49228.00 | 54102.00 | 51315.00 |
| Exceptional Income / Expenses | | | | | |
| Profit Before Tax | 72660.00 | 59965.00 | 49228.00 | 54102.00 | 51315.00 |
| Provision for Tax | 19136.00 | 15289.00 | 12530.00 | 13789.00 | 13126.00 |
| Current Income Tax | 19938.00 | 15807.00 | 12341.00 | 14111.00 | 13360.00 |
| Deferred Tax | -674.00 | -512.00 | 294.00 | -315.00 | -225.00 |
| Other taxes | -128.00 | -6.00 | -106.00 | -7.00 | -9.00 |
| Profit After Tax | 53524.00 | 44676.00 | 36698.00 | 40313.00 | 38189.00 |
| Extra items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Minority Interest | -195.00 | -1433.00 | -575.00 | -147.00 | -145.00 |
| Share of Associate | | | | | |
| Other Consolidated Items | | | | | |
| Consolidated Net Profit | 53329.00 | 43243.00 | 36123.00 | 40166.00 | 38044.00 |
| Adjustments to PAT | | | | | |
| Profit Balance B/F | 135090.00 | 109953.00 | 88710.00 | 63974.00 | 33374.00 |
| Appropriations | 188419.00 | 153196.00 | 124833.00 | 104140.00 | 71418.00 |
| General Reserve | | | | | |
| Proposed Equity Dividend | | | | | |
| Corporate dividend tax | | | | | |
| Other Appropriation | 188419.00 | 153196.00 | 124833.00 | 104140.00 | 71418.00 |
| Equity Dividend % | 260.00 | 240.00 | 220.00 | 200.00 | 200.00 |
| Earnings Per Share | 133.00 | 108.00 | 90.00 | 100.00 | 95.00 |
| Adjusted EPS | 133.00 | 108.00 | 90.00 | 100.00 | 95.00 |
