PROFIT AND LOSS

Parameter MAR'15(₹ Cr.)

MAR'14(₹ Cr.)

Change %

I. INCOME

Interest Earned 1,52,397.07 1,36,350.81 11.77%

Other Income 22,575.89 18,552.92 21.68%

Total Income 1,74,972.97 1,54,903.72 12.96%

II. EXPENDITURE

Interest Expended 97,381.82 87,068.63 11.84%

Operating Expenses 38,677.64 35,725.85 8.26%

PBIDT 38,913.50 32,109.23 21.19%

Provisions and Contingencies 19,599.54 15,935.36 22.99%

Profit Before Tax 19,313.96 16,173.88 19.41%

Taxes 6,212.39 5,282.71 17.60%

Total 1,61,871.40 1,44,012.54 12.40%

III. Profit & Loss

PAT 13,101.57 10,891.17 20.30%

Extraordinary Items 0.00 0.00 0.00%

Profit brought forward 0.32 0.34 -4.27%

Adjusted Net Profit 0.00 0.00 0.00%

Total Profit & Loss 13,101.57 10,891.17 20.30%

Appropriations 13,101.90 10,891.51 20.29%

Equity Dividend (%) 350.00 300.00 16.67%

Earnings Per Share (in ₹) 17.55 145.88 -87.97%

Book Value (in ₹) 172.04 1,584.34 -89.14%

BALANCE SHEET

MAR'15 (₹ Cr.)

MAR'14(₹ Cr.)

YoY%Change

SOURCES OF FUNDS

Share Capital 746.57 746.57 0.00%

Share warrants & Outstandings 0.00 0.00 0.00%

Total Reserve1,27,691.65

1,17,535.68

8.64%

Shareholder's Funds1,28,438.23

1,18,282.25

8.59%

Deposits15,76,793.25

13,94,408.50

13.08%

Borrowings2,05,150.29

1,83,130.88

12.02%

Other Liabilities & Provisions1,37,698.04

96,926.65 42.06%

TOTAL LIABILITIES20,48,079.80

17,92,748.29

14.24%

APPLICATION OF FUNDS:

Cash and balance with Reserve Bank of India

1,15,883.84

84,955.66 36.41%

Balances with banks and money at call and short notice

58,977.46 47,593.97 23.92%

Investments4,95,027.40

3,98,799.57

24.13%

Advances13,00,026.39

12,09,828.72

7.46%

Gross Block 21,170.45 18,919.38 11.90%

Less : Accumulated Depreciation 12,128.65 11,202.92 8.26%

Less : Impairment of Assets 0.00 0.00 0.00%

Net Block 9,041.80 7,716.46 17.18%

Lease Adjustment 0.00 0.00 0.00%

Capital Work in Progress 287.37 285.70 0.58%

Other Assets 68,835.54 43,568.21 57.99%

TOTAL ASSETS20,48,079.80

17,92,748.29

14.24%

Contingent Liability10,00,627.26

10,17,329.95

-1.64%

Bills for collection 92,795.25 74,028.42 25.35%

YEARLY RESULT

Parameter MAR'14(₹ Million)

MAR'13(₹ Million)

Change %

Sales Turnover 13,63,510.00 11,96,570.00 13.95%

Other Income 1,85,529.00 1,60,348.00 15.70%

Total Income 15,49,040.00 13,56,920.00 14.16%

Total Expenses 3,57,258.00 2,92,844.00 22.00%

Operating profit 3,21,092.00 3,10,817.00 3.31%

Gross Profit 1,61,739.00 1,99,509.00 -18.93%

Interest 8,70,686.00 7,53,258.00 15.59%

PBDT -7,08,947.00 -5,53,749.00 -28.03%

Depreciation 0.00 0.00 0.00%

PBT 1,61,739.00 1,99,509.00 -18.93%

Tax 52,827.20 58,459.10 -9.63%

Net Profit 1,08,912.00 1,41,050.00 -22.78%

Earnings Per Share 156.76 206.20 -23.98%

Equity 7,465.70 6,840.30 9.14%

Preference Capital 0.00 0.00 0.00%

Reserves 11,75,360.00 9,81,996.00 19.69%

Face Value 10.00 10.00 0.00%

balance sheet

YEAR 2014 & 2015

Parameter MAR'15 (₹ Cr.)

MAR'14(₹ Cr.)

YoY%Change

SOURCES OF FUNDS

Share Capital 746.57 746.57 0.00%

Share warrants & Outstandings 0.00 0.00 0.00%

Total Reserve 1,27,691.65 1,17,535.68 8.64%

Shareholder's Funds 1,28,438.23 1,18,282.25 8.59%

Deposits15,76,793.25

13,94,408.50 13.08%

Borrowings 2,05,150.29 1,83,130.88 12.02%

Other Liabilities & Provisions 1,37,698.04 96,926.65 42.06%

TOTAL LIABILITIES20,48,079.80

17,92,748.29 14.24%

APPLICATION OF FUNDS:

Cash and balance with Reserve Bank of India 1,15,883.84 84,955.66 36.41%

Balances with banks and money at call and short notice

58,977.46 47,593.97 23.92%

Investments 4,95,027.40 3,98,799.57 24.13%

Advances13,00,026.39

12,09,828.72 7.46%

Gross Block 21,170.45 18,919.38 11.90%

Less : Accumulated Depreciation 12,128.65 11,202.92 8.26%

Less : Impairment of Assets 0.00 0.00 0.00%

Net Block 9,041.80 7,716.46 17.18%

Lease Adjustment 0.00 0.00 0.00%

Capital Work in Progress 287.37 285.70 0.58%

Other Assets 68,835.54 43,568.21 57.99%