| (Rs. in Millions) |
| INCOME : | | | | | |
| Operating Income | 48018.00 | 45628.00 | 51723.00 | 43113.00 | 34182.00 |
| Sale of Shares / Units | | | | | |
| Interest income | 47409.00 | 45394.00 | 51378.00 | 42887.00 | 33703.00 |
| Portfolio management services | | | | | |
| Dividend income | 80.00 | | 50.00 | 50.00 | |
| Brokerages & commissions | 31.00 | 31.00 | 43.00 | 72.00 | 72.00 |
| Processing fees and other charges | | | | | 386.00 |
| Other Operating Income | 497.00 | 203.00 | 251.00 | 104.00 | 21.00 |
| Operating Income (Net) | 48018.00 | 45628.00 | 51723.00 | 43113.00 | 34182.00 |
| EXPENDITURE : | | | | | |
| Increase/Decrease in Stock | | | | | |
| Employee Cost | 10026.00 | 8084.00 | 6247.00 | 6491.00 | 5777.00 |
| Salaries, Wages & Bonus | 9044.00 | 7276.00 | 5577.00 | 5793.00 | 5188.00 |
| Workmen and Staff Welfare Expenses | 107.00 | 91.00 | 135.00 | 201.00 | 181.00 |
| Other Employees Cost | 0.00 | 0.00 | 6.00 | 3.00 | 28.00 |
| Operating & Establishment Expenses | 1825.00 | 1592.00 | 1384.00 | 1498.00 | 2516.00 |
| Depository Charges | | | | | |
| Security Transaction tax | | | | | |
| Software & Technical expenses | 394.00 | 355.00 | 382.00 | 353.00 | 370.00 |
| Commission, Brokerage & Discounts | 254.00 | 260.00 | 202.00 | 237.00 | 196.00 |
| Rent , Rates & Taxes | 307.00 | 320.00 | 189.00 | 121.00 | 1326.00 |
| Repairs and Maintenance | 359.00 | 307.00 | 255.00 | 448.00 | 261.00 |
| Insurance | 260.00 | 146.00 | 137.00 | 90.00 | 142.00 |
| Electricity & Power | 251.00 | 203.00 | 219.00 | 250.00 | 222.00 |
| Other Operating Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Administrations & Other Expenses | 1908.00 | 2047.00 | 1275.00 | 2164.00 | 2502.00 |
| Printing and stationery | 125.00 | 93.00 | 46.00 | 88.00 | 95.00 |
| Professional and legal fees | 222.00 | 197.00 | 160.00 | 276.00 | 174.00 |
| Advertisement & Sales Promotion | 699.00 | 894.00 | 421.00 | 483.00 | 397.00 |
| Other General Expenses | 861.00 | 863.00 | 649.00 | 1318.00 | 1837.00 |
| Provisions and Contingencies | 1023.00 | 1897.00 | 1589.00 | 1127.00 | 438.00 |
| Provisions for contingencies | | | | | |
| Provisions against NPAs | | | 51.00 | 446.00 | 60.00 |
| Bad debts /advances written off | | | | | |
| Provision for doubtful debts | | | | | |
| Losson disposal of fixed assets(net) | | | | | |
| Losson foreign exchange fluctuations | | | | | |
| Losson sale of non-trade current investments | | | | | |
| Other Miscellaneous Expenses | 1023.00 | 1897.00 | 1537.00 | 681.00 | 378.00 |
| Less: Expenses Capitalised | | | | | |
| Total Expenditure | 14782.00 | 13620.00 | 10494.00 | 11281.00 | 11234.00 |
| Operating Profit (Excl OI) | 33236.00 | 32008.00 | 41228.00 | 31832.00 | 22948.00 |
| Other Income | 437.00 | 983.00 | 224.00 | 420.00 | 92.00 |
| Other Interest Income | | | | | |
| Other Commission | | | | | |
| Discounts | | | | | |
| Profit on sale of Fixed Assets | 8.00 | 10.00 | 8.00 | 12.00 | 7.00 |
| Income from investments | | | | | |
| Provision Written Back | 186.00 | 746.00 | 7.00 | 7.00 | 18.00 |
| Others | 243.00 | 227.00 | 208.00 | 401.00 | 67.00 |
| Operating Profit | 33674.00 | 32990.00 | 41452.00 | 32253.00 | 23040.00 |
| Interest | 14984.00 | 13918.00 | 17200.00 | 13912.00 | 10178.00 |
| Loans | 7460.00 | 4283.00 | 7704.00 | 8616.00 | 5422.00 |
| Deposits | | | | | |
| Bonds / Debentures | 6447.00 | 8399.00 | 8222.00 | 4575.00 | 4532.00 |
| Other Interest | 1078.00 | 1236.00 | 1274.00 | 721.00 | 224.00 |
| Depreciation | 1626.00 | 1575.00 | 1557.00 | 1541.00 | 685.00 |
| Profit Before Taxation & Exceptional Items | 17063.00 | 17498.00 | 22696.00 | 16800.00 | 12177.00 |
| Exceptional Income / Expenses | | | | | |
| Profit Before Tax | 17063.00 | 17498.00 | 22696.00 | 16800.00 | 12177.00 |
| Profit After Tax | 12663.00 | 13045.00 | 16979.00 | 12303.00 | 7905.00 |
| Extra items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Minority Interest | | | | | |
| Share of Associate | | | | | |
| Appropriations | 55255.00 | 48180.00 | 39594.00 | 27023.00 | 19184.00 |
| General Reserve | | | | | |
| Proposed Equity Dividend | | | | | |
| Corporate dividend tax | | | | 475.00 | 372.00 |
| Other Appropriation | 55255.00 | 48180.00 | 39594.00 | 26548.00 | 18812.00 |
| Equity Dividend % | 150.00 | 150.00 | 63.00 | 138.00 | 108.00 |
| Earnings Per Share | 15.00 | 15.00 | 20.00 | 15.00 | 9.00 |
| Adjusted EPS | 15.00 | 15.00 | 20.00 | 15.00 | 9.00 |