2
No
rep
rese
nta
tio
no
rw
arr
an
ty,
exp
ress
or
imp
lie
dis
ma
de
as
to,
an
dn
ore
lia
nce
sho
uld
be
pla
ced
on
,th
efa
irn
ess
,a
ccu
racy
,co
mp
lete
ne
sso
rco
rre
ctn
ess
of
such
info
rma
tio
no
ro
pin
ion
sco
nta
ine
dh
ere
in.
Th
ein
form
ati
on
con
tain
ed
inth
is
pre
sen
tati
on
iso
nly
curr
en
ta
so
fit
sd
ate
.C
ert
ain
sta
tem
en
tsm
ad
ein
this
pre
sen
tati
on
ma
yn
ot
be
ba
sed
on
his
tori
cal
info
rma
tio
no
rfa
cts
an
dm
ay
be
“fo
rwa
rd
loo
kin
gst
ate
me
nts
”,in
clu
din
gth
ose
rela
tin
gto
the
Co
mp
an
y’s
ge
ne
ral
bu
sin
ess
pla
ns
an
dst
rate
gy,
its
futu
refi
na
nci
al
con
dit
ion
an
dg
row
thp
rosp
ect
s,a
nd
futu
re
de
velo
pm
en
tsin
its
ind
ust
rya
nd
its
com
pe
titi
vea
nd
reg
ula
tory
en
viro
nm
en
t.A
ctu
al
resu
lts
ma
yd
iffe
rm
ate
ria
lly
fro
mth
ese
forw
ard
-lo
ok
ing
sta
tem
en
tsd
ue
toa
nu
mb
er
of
fact
ors
,in
clu
din
gfu
ture
cha
ng
es
or
de
velo
pm
en
tsin
the
Co
mp
an
y’s
bu
sin
ess
,it
s
com
pe
titi
vee
nvi
ron
me
nt
an
dp
oli
tica
l,e
con
om
ic,
lega
la
nd
soci
al
con
dit
ion
sin
Ind
ia.
Th
isco
mm
un
ica
tio
nis
for
ge
ne
ral
info
rma
tio
np
urp
ose
on
ly,
wit
ho
ut
rega
rdto
spe
cifi
co
bje
ctiv
es,
fin
an
cia
lsi
tua
tio
ns
an
dn
ee
ds
of
an
yp
art
icu
lar
pe
rso
n.
Th
is
pre
sen
tati
on
do
es
no
tco
nst
itu
tea
no
ffe
ro
rin
vita
tio
nto
pu
rch
ase
or
sub
scri
be
for
an
ysh
are
sin
the
Co
mp
an
ya
nd
ne
ith
er
an
yp
art
of
itsh
all
form
the
ba
sis
of
or
be
reli
ed
up
on
inco
nn
ect
ion
wit
ha
ny
con
tra
cto
rco
mm
itm
en
tw
ha
tso
eve
r.T
he
Co
mp
an
ym
ay
alt
er,
mo
dif
yo
ro
the
rwis
ech
an
ge
ina
ny
ma
nn
er
the
con
ten
to
fth
is
pre
sen
tati
on
,w
ith
ou
to
bli
gati
on
ton
oti
fya
ny
pe
rso
no
fsu
chre
vis
ion
or
cha
ng
es.
Th
is
pre
sen
tati
on
can
no
tb
eco
pie
da
nd
/or
dis
sem
ina
ted
ina
ny
ma
nn
er.
5
Rs
in C
rore
sF
Y 1
5F
Y 1
6G
row
th
Bu
sin
ess
89
,89
09
7,5
06
8.4
7%
EB
IDTA
17
41
26
%D
ep
osi
ts5
1,9
12
55
,72
17
.34
%
Ad
van
ces
37
,97
84
1,7
85
10
.02
%
NIM
2.7
0%
2.7
3%
3b
ps
PA
T3
07
33
38
.47
%
6
§P
rov
ide
s a
dv
iso
ry
sup
po
rt t
o b
an
k o
n t
he
me
diu
m a
nd
lo
ng
te
rm
stra
teg
y f
or
sig
nif
ica
nt
gro
wth
in r
eta
il,
ag
ricu
ltu
re a
nd
SM
E
sect
orsAp
po
inte
d
Inte
rna
tio
na
l
Fin
an
ce
Co
rpo
rati
on
§Fa
cili
tate
s lo
an
s to
MS
E a
nd
pro
mo
tes
the
MS
ME
cre
dit
po
rtfo
lio
of
the
Ba
nk
En
tere
d
Me
mo
ran
du
m
of
Un
de
rsta
nd
ing
wit
h
NS
IC
§H
ou
ses
the
Ba
nk
’s
Ma
rke
tin
g D
ep
t, R
eta
il
Loa
n H
ub
an
d
Tra
nsa
ctio
n B
an
kin
g
De
pt
Op
en
ed
Ce
ntr
ali
zed
Ma
rke
tin
g &
Pro
cess
ing
Ce
ntr
e
....
to b
eco
me
Re
tail
Ba
nk
ing
Po
we
r H
ou
se
9
FIR
ST
am
on
g t
he
pri
vate
sect
or
ba
nks
in K
era
la t
o
be
com
e a
sch
ed
ule
d b
an
k in
19
46
un
de
r th
e R
BI
Act
FIR
ST
ba
nk
in t
he
pri
vate
sect
or
in I
nd
ia t
o o
pe
n a
Cu
rre
ncy
Ch
est
on
be
ha
lf o
f
the
RB
I in
Ap
ril 1
99
2
FIR
ST
pri
vate
se
cto
r b
an
k t
o
op
en
a N
RI
bra
nch
in
No
vem
be
r 1
99
2
FIR
ST
ba
nk
in t
he
pri
vate
se
cto
r
to s
tart
In
du
stri
al F
ina
nce
Bra
nch
in M
arc
h 1
99
3
FIR
ST
am
on
g t
he
pri
vate
se
cto
r
ba
nks
in K
era
la t
o o
pe
n a
n
"Ove
rse
as
Bra
nch
" to
ca
ter
exc
lusi
vely
to
th
e e
xpo
rt a
nd
imp
ort
bu
sin
ess
in J
un
e 1
99
3
FIR
ST
ba
nk
in K
era
la t
o d
eve
lop
an
in-h
ou
se,
a f
ull
y in
teg
rate
d b
ran
ch
au
tom
ati
on
so
ftw
are
in
ad
dit
ion
to
the
in-h
ou
se p
art
ial a
uto
ma
tio
n
solu
tio
n o
pe
rati
on
al s
ince
19
92
Th
e F
IRS
T K
era
la b
ase
d b
an
k t
o i
mp
lem
en
t
Co
re B
an
kin
g S
yst
em
10
14
0
12
1
24
5
26
3
44
9
56
FY
16
FY
06
44
0
~2
X
83
4
Ke
rala
So
uth
Ex-
Ke
rala
Oth
ers
(R
est
of
Ind
ia)
69
8
20
2
38
7
66
1,2
87
14
4
40
~9
x
FY
16
FY
06
38
11
1,5
10
31
0
CA
GR
:
17
%
FY
16
FY
06
96
,80
6
15
,94
9
FY
06
FY
16
CA
GR
: 2
0%
33
3
51
FY
06
FY
16
CA
GR
: 2
1%
3.7
7
4.9
9
FY
06
12
2b
ps
FY
16
Rs
Crs
Rs
Crs
Rs
Crs
In %
12
§P
ost
Gra
du
ate
inP
hys
ics
an
dC
AII
Bw
ith
ove
r3
7ye
ars
of
exp
eri
en
ce
§Jo
ine
dS
IBin
Jan
ua
ry,
20
14
as
Exe
cuti
veV
ice
Pre
sid
en
ta
nd
ap
po
inte
da
sM
D&
CE
Oin
Oct
ob
er,
20
14
§S
ign
ific
an
te
xpe
rie
nce
inR
eta
il&
Co
rpo
rate
Cre
dit
,Te
chn
olo
gy
an
dR
isk
Ma
na
ge
me
nt
§Jo
ine
dS
BI
as
ap
rob
ati
on
ary
off
ice
rin
the
Ah
ma
da
ba
dC
ircl
ein
19
78
an
dw
as
Ch
ief
Ge
ne
ralM
an
ag
er
be
fore
join
ing
SIB
§T
he
ma
jor
ass
ign
me
nts
ha
nd
led
by
Mr.
Ma
the
win
SB
Ia
re
§D
y.G
en
era
lMa
na
ge
r(I
TN
etw
ork
ing
Pro
ject
)
§D
y.G
en
era
lMa
na
ge
ra
nd
Bra
nch
He
ad
,(O
vers
ea
sB
ran
ch,
Ba
nga
lore
)
§G
en
era
lMa
na
ge
r,(C
orp
ora
teA
cco
un
tsG
rou
p-M
um
ba
iBra
nch
)
§C
hie
fG
en
era
lM
an
ag
er
(Ris
kM
an
ag
em
en
t)
§C
hie
fG
en
era
lM
an
ag
er
(Co
rpo
rate
Acc
ou
nts
Gro
up
)
§H
eh
as
serv
ed
on
vari
ou
sco
mm
itte
es
at
Co
rpo
rate
Ce
nte
ro
fS
BI
such
as
Wh
ole
sale
Ba
nkin
gC
red
itC
om
mit
tee
,
Inve
stm
en
tC
om
mit
tee
,C
orp
ora
teC
en
tre
Cre
dit
Co
mm
itte
ea
nd
wa
sa
Dir
ect
or
on
the
Bo
ard
of
SB
IM
acq
ua
rie
Infr
ast
ruct
ure
Tru
ste
e(P
)Li
mit
ed
13
•B
ach
elo
rs D
eg
ree
in E
ng
ine
eri
ng
an
d D
iplo
ma
in
Ma
na
ge
me
nt
& C
AII
B
•H
e is
ass
oci
ate
d w
ith
SIB
sin
ce 1
98
4 a
nd
he
ad
s D
ep
art
me
nts
su
ch a
s R
isk M
an
ag
em
en
t, T
ech
no
log
y, M
ark
eti
ng
,
Co
rpo
rate
Fin
an
cia
l M
an
ag
em
en
t, H
um
an
Re
sou
rce
an
d I
nsp
ect
ion
& V
igil
an
ce
•H
e w
as
He
ad
of
Cre
dit
ha
nd
lin
g a
po
rtfo
lio
of
Rs.
40
,00
0 c
rore
s a
nd
wa
s in
stru
me
nta
l in
th
e e
xecu
tio
n o
f th
e R
eta
il
Str
ate
gy
of
the
Ba
nk w
hic
h s
aw
sig
nif
ica
nt
gro
wth
in
th
e M
SM
E &
Ag
ricu
ltu
re S
ect
ors
•P
ost
gra
du
ate
in C
he
mis
try a
nd
ho
lds
Ma
ste
rs D
eg
ree
in B
usi
ne
ss A
dm
inis
tra
tio
n &
CA
IIB
•H
e h
ea
ds
Cre
dit
an
d L
eg
al
De
pa
rtm
en
ts
•H
e h
as
ove
r 3
5 Y
ea
rs o
f E
xpe
rie
nce
in
Do
me
stic
an
d I
nte
rna
tio
na
l Ba
nkin
g in
In
dia
an
d A
bro
ad
•B
efo
re jo
inin
g S
IB,
he
wa
s th
e G
en
era
l M
an
ag
er
an
d H
ea
d o
f P
riva
te E
qu
ity
Ve
rtic
al i
n S
tate
Ba
nk o
f In
dia
wh
ere
he
wa
s
resp
on
sib
le f
or
Pri
vate
Eq
uit
y a
nd
Ve
ntu
re C
ap
ita
l In
vest
me
nts
ma
de
by
th
e B
an
k
•H
e w
as
als
o a
no
min
ee
dir
ect
or
on
th
e B
oa
rd o
f D
ire
cto
rs o
f fo
ur
com
pa
nie
s a
nd
In
vest
me
nt
Co
mm
itte
e o
f m
ore
th
an
ten
Alt
ern
ati
ve I
nve
stm
en
t F
un
ds
•C
om
me
rce
Gra
du
ate
& C
AII
B
•H
e is
resp
on
sib
le f
or
Tre
asu
ry O
pe
rati
on
s o
f th
e B
an
k a
lon
g w
ith
In
tern
ati
on
al B
an
kin
g D
ivis
ion
•B
efo
re jo
inin
g S
IB,
he
wa
s a
sso
cia
ted
wit
h U
nio
n B
an
k o
f In
dia
an
d w
as
Ge
ne
ral M
an
ag
er
of
Tre
asu
ry a
nd
In
tern
ati
on
al
Ba
nkin
g D
ivis
ion
.
•H
e w
as
the
Ba
nk’s
no
min
ee
on
th
e B
oa
rd o
f F
IMM
DA
an
d S
BI
Glo
ba
l Fa
cto
rs a
nd
Me
mb
er
of
the
Ad
vis
ory
Co
mm
itte
e
of
Me
tro
po
lita
n S
tock
Exc
ha
ng
e o
f In
dia
, ID
FC
In
vest
me
nt
Fu
nd
, TA
TA G
row
th F
un
d, TA
TA I
nn
ova
tive
Fu
nd
, In
dia
Ad
van
tag
e F
un
d I &
II
14
•B
ach
elo
rs D
eg
ree
in S
cie
nce
, M
BA
an
d C
AII
B
•M
ast
ers
De
gre
e in
C
om
me
rce
a
nd
JA
IIB
•B
ach
elo
rs D
eg
ree
in C
om
me
rce
, M
ast
ers
in
EX
IM,
Dip
lom
a in
Fin
an
cia
l M
an
ag
em
en
t a
nd
CA
IIB
•M
ast
ers
De
gre
e in
Art
s a
nd
Po
st G
rad
ua
te D
iplo
ma
in
Pe
rso
nn
el M
an
ag
em
en
t &
JA
IIB
•B
ach
elo
rs D
eg
ree
in A
rts
& M
ast
ers
D
eg
ree
in B
usi
ne
ss
Ad
min
istr
ati
on
an
d C
AII
B
•B
ach
elo
rs D
eg
ree
in A
rts
& P
ost
Gra
du
ate
Dip
lom
a in
Co
mp
ute
r A
pp
lica
tio
n,
Ce
rtif
ica
tio
n in
RD
BM
S &
Ora
cle
8i
an
d J
AII
B
•B
ach
elo
rs D
eg
ree
in C
om
me
rce
, C
.A.
(In
ter)
an
d J
AII
B
15
•B
ach
elo
rs D
eg
ree
in M
ath
em
ati
cs
•Fe
llo
w m
em
be
r o
f th
e I
nst
itu
te o
f C
ha
rte
red
Acc
ou
nta
nts
of
Ind
ia a
nd
Ce
rtif
ied
Ass
oci
ate
of
th
e I
nd
ian
In
stit
ute
of
Ba
nkin
g &
Fin
an
ce
•B
ach
elo
rs D
eg
ree
in S
cie
nce
&
CA
IIB
-I
•B
ach
elo
rs D
eg
ree
in C
om
me
rce
, A
sso
cia
te M
em
be
r o
f
Inst
itu
te o
f C
om
pa
ny
Se
cre
tary
of
Ind
ia a
nd
In
stit
ute
of
Co
st &
Ma
na
ge
me
nt
Acc
ou
nta
nts
of
Ind
ia.
Als
o a
Ce
rtif
ied
Ass
oci
ate
of
th
e I
nd
ian
In
stit
ute
of
Ba
nkin
g &
Fin
an
ce
17
01
Incr
ea
se …
CA
SA
02
Re
tail
Bu
sin
ess
…
Mo
re P
rod
uct
s
03
SM
E B
usi
ne
ss …
So
le B
an
ke
r
04
Imp
rov
e
NIM
05
Incr
ea
se…
Fe
e I
nco
me
06
Su
sta
ina
ble
…
Ass
et
Qu
ali
ty
18
•E
nh
an
ced
ris
k m
an
ag
em
en
t
•K
YC
co
mp
lia
nce
an
d f
rau
d
pre
ve
nti
on
to
ols
Loa
n P
roce
ssin
g
•P
en
etr
ate
fu
rth
er
in t
he
exi
stin
g s
et
of
Cu
sto
me
rs
•F
ast
er
Sa
nct
ion
s
Re
tail
Bu
sin
ess
•F
ocu
s o
n p
art
icu
lar
ge
og
rap
hie
s a
nd
op
en
ad
dit
ion
al b
ran
che
s
•Im
pro
ve
Bra
nch
Pro
fita
bil
ity
Bra
nch
Pro
fita
bil
ity
01
02
03
• • • •
19
2,1
06
2,2
41
2,3
69
2,4
99
2,6
14
2,4
85
2,0
03
1,6
55
1,4
55
1,3
71
1,5
80
1,5
40
1,5
59
1,5
01
1,5
64
1,7
26
1,7
33
1,8
01
1,9
98
2,5
21
92
69
41
85
88
72
97
3
83
49
10
1,0
08
1,0
57
1,0
49
10
,09
3
Ma
r-1
6
9,3
82
De
c-1
5S
ep
-15
9,2
50
Jun
-15
9,3
68
Ma
r-1
5
9,6
57
Oth
ers
Se
rvic
e &
Tra
de
rs
LAD
*H
ou
sin
g
Go
ld
Ma
nu
fact
uri
ng
•R
eta
il h
ub
in
Co
chin
to
in
cre
ase
fo
cus
on
ho
usi
ng
fin
an
ce
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o m
ore
hu
bs
to b
e s
et
up
–o
ne
in
So
uth
In
dia
an
d o
ne
in
No
rth
In
dia
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ran
ch s
taff
be
ing
giv
en
sp
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fic
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g
to m
ark
et
mo
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ge
lo
an
s
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ark
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ng
in
itia
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th
rou
gh
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ilo
r m
ad
e p
rod
uct
s fo
r d
iffe
ren
t
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me
nts
Jan
to
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r 2
01
6
•H
ou
sin
g L
oa
ns
Sa
nct
ion
ed
: 1
,15
7 N
os.
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mo
un
t o
f H
ou
sin
g L
oa
ns
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nct
ion
ed
–R
s. 2
33
cr
Rs
Crs
*LA
D =
Lo
an
ag
ain
st d
ep
osi
ts
20
•D
ed
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ted
DG
M a
pp
oin
ted
to
en
sure
fo
cus
an
d
be
tte
r co
ord
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tio
n w
ith
re
gio
ns
•Fo
cuse
d ‘G
ree
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bra
nch
es
to d
rive
fast
er
loa
n g
row
th t
o S
ME
s
•Ta
rge
t to
be
com
e b
an
ker
of
cho
ice
to
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Es
the
reb
y g
ett
ing
oth
er
bu
sin
ess
as
we
ll –
lia
bil
itie
s, v
eh
icle
fin
an
ce,
etc
.
•O
ng
oin
g t
rain
ing
(in
-ho
use
as
we
ll a
s e
xte
rna
l)
15
.33
15
.26
15
.28
13
.70
12
.50
De
c-1
5M
ar-
15
Ma
r-1
6Ju
n-1
5S
ep
-15
Ke
rala
43
%
So
uth
(Ex-
Ke
rala
)
32
%Re
st o
f
Ind
ia
25
%
Rs
Lakh
s
21
Bra
nch
Lo
cati
on
*N
oo
f
Bra
nch
es
Ke
rala
44
9
So
uth
Ind
ia (
Ex-
Ke
rala
)2
45
Re
st o
f In
dia
14
0
Tota
l8
34
83
48
22
79
47
38
68
86
31
FY
13
FY
12
FY
11
+5
.7%
FY
16
FY
14
FY
15
1,2
87
1,2
00
1,0
00
80
06
63
49
0
+2
1.3
%
FY
11
FY
16
FY
15
FY
13
FY
12
FY
14
*M
ap
fo
r il
lust
rati
on
pu
rpo
se o
nly
22
4%
13
%
33
%2
8%22
%
< 1
Ye
ar
1-2
Ye
ars
2-5
Ye
ars
5-1
0 Y
ea
rs>
10
Ye
ars
41
75
12
8
Ma
r-1
5
7,0
09
Jun
-15
Se
p-1
5
14
Clo
sin
g
7,0
07
Ma
r-1
6D
ec-
15
*E
mp
loy
ee
s in
clu
de
fu
ll-t
ime
off
ice
rs a
nd
cle
rks.
24
Co
re D
ep
osi
tN
on
-Co
reD
ep
osi
tTo
tal D
ep
osi
t
Ma
r-1
6M
ar-
16
Ma
r-1
6
Ma
r-1
5M
ar-
15
Ma
r-1
5
40
,69
4
46
,48
7
11
,21
9
9,2
34
51
,91
2
55
,72
1
Cu
rre
nt
Sa
vin
gs
Tota
l CA
SA
Ma
r-1
6M
ar-
16
Ma
r-1
6
Ma
r-1
5M
ar-
15
Ma
r-1
5
1,8
18
8,8
68
10
,68
6
12
,45
9
Rs
Crs
Rs
Crs
25
11
,25
89
,15
18
,63
07
,93
0
2,0
34
2,1
57
2,1
30
8,8
68
9,6
22
9,9
15
10
,17
7
29
,96
83
1,5
17
32
,33
43
3,2
04
9,2
03
10
,47
6
34
,05
9
Se
p-1
5
53
,03
6
Jun
-15
52
,32
4
Ma
r-1
5
51
,91
2
1,8
18
Ma
r-1
6D
ec-
15
53
,44
1
1,9
83
55
,72
1
Oth
ers
*C
urr
en
tS
av
ing
sTe
rm
+1
7%
Ma
r-1
6
12
,45
9
10
,47
6
1,9
83
Ma
r-1
5
10
,68
6
8,8
68
1,8
18
34
,05
92
9,9
68
+1
4%
Ma
r-1
6M
ar-
15
Rs
Crs
Rs
Crs
Sa
vin
gs
Cu
rre
nt
Rs
Crs
*O
the
rs in
clu
de
s: B
ulk
, C
ert
ific
ate
s o
f D
ep
osi
ts
26
20
.6
22
.3
22
.8
23
.0
22
.4
Ma
r-1
5Ju
n-1
5S
ep
t-1
5D
ec-
15
Ma
r-1
6
14
,30
31
3,5
66
12
,90
41
2,1
93
11
,39
3
Ma
r-1
6D
ec-
15
Se
p-1
5Ju
n-1
5M
ar-
15
In (
%)
Rs
Crs
27
16
,09
9
38
.53
%
8,7
21
20
.87
%
1,3
71
3.2
8%
9,8
23
23
.51
%
5,7
70
13
.81
%4
0,2
15
23
,35
8
16
,85
7
Jun
-15
38
,82
0
22
,50
3
16
,31
7
Ma
r-1
5
37
,97
8
22
,54
5
15
,43
3
+1
0%
41
,78
5
+4
%
+1
4%
Ma
r-1
6
25
,68
6
16
,09
9
De
c-1
5
40
,60
1
24
,01
7
16
,58
4
Se
p-1
5 Re
tail
& S
ME
s (B
elo
w R
s. 2
5 C
rs)
Co
rpo
rate
(A
bo
ve R
s 2
5 C
rs)
Rs
Crs
Rs
Crs
28
Ag
ricu
ltu
re
8,7
21
7,9
27
7,5
95
7,3
65
7,1
72
Se
p-1
5D
ec-
15
Ma
r-1
6Ju
n-1
5M
ar-
15
+2
2%
-45
%
2,0
03
Ma
r-1
5
1,6
55
Jun
-15
1,4
55
Se
p-1
5
1,3
71
2,4
85
Ma
r-1
6D
ec-
15
9,8
23
9,0
86
8,7
56
8,2
18
8,8
11
Ma
r-1
6D
ec-
15
Ma
r-1
5S
ep
-15
Jun
-15
+1
1%
5,7
70
5,5
49
5,3
52
4,9
17
4,0
77
De
c-1
5S
ep
-15
Ma
r-1
6M
ar-
15
Jun
-15
+4
2%
Rs
Crs
Rs
Crs
Rs
Crs
Rs
Crs
29
13
,74
11
4,2
70
14
,73
91
4,9
83
15
,68
0
12
,76
91
2,6
82
13
,18
71
3,1
78
13
,55
6
11
,89
91
2,2
89
12
,44
01
2,5
49
11
,44
4
Ma
r-1
6
+1
4%
41
,78
5
+1
0%
+6
%
+1
0%
Jun
-15
40
,60
1
Ma
r-1
5
40
,21
5
De
c-1
5
38
,85
13
7,9
54
Se
p-1
5
Re
st o
f In
dia
So
uth
Ex-
Ke
rala
Ke
rala
Rs
Crs
30
37
44
07
38
83
40
34
7
Se
p-1
5M
ar-
15
Jun
-15
+8
%
Ma
r-1
6D
ec-
15
2.6
32
.92
2.8
12
.54
2.7
0
De
c-1
5S
ep
-15
Ma
r-1
5Ju
n-1
5M
ar-
16
*
Rs
Crs
In %
In %
6.9
27
.07
6.7
16
.55
6.3
8
9.3
89
.39
9.2
89
.21
8.7
8
Ma
r-1
5Ju
n-1
5S
ep
t-1
5D
ec-
15
Ma
r-1
6
Co
st o
f F
un
ds
Yie
ld o
n F
un
dsIn
%
8.0
5
7.8
5
7.5
3
7.3
8
7.2
4
11
.61
1
1.4
9
11
.38
1
1.2
1
10
.56
Ma
r-1
5Ju
n-1
5S
ep
t-1
5D
ec-
15
Ma
r-1
6
Co
st O
f D
ep
osi
tY
eil
d o
n A
dva
nce
s
* 1
3 b
ps
ad
vers
e im
pa
ct o
n in
tere
st r
eve
rsa
l
31
1,5
10
72
9
34
0
1,3
66
1,1
35
+1
1%
Ma
r-1
5M
ar-
15
Jun
-15
Se
p-1
5D
ec-
15
7.9
97
.85
7.6
97
.58
7.5
2
11
.74
11
.49
11
.43
11
.36
11
.18
Ma
r-1
5Ju
n-1
5S
ep
t-1
5D
ec-
15
Ma
r -1
6
Co
st o
f D
ep
osi
tsY
ield
on
Ad
van
ces
2.7
32
.76
2.6
72
.54
2.7
0
+3
bp
s
Ma
r-1
6M
ar-
15
Jun
-15
Se
p-1
5D
ec-
15
Rs
Crs
In %
In %
7.0
87
.08
6.8
96
.77
6.6
9
9.5
59
.41
9.3
39
.29
9.1
8
Ma
r-1
5Ju
n-1
5S
ep
t-1
5D
ec-
15
Ma
r -1
6
Co
st o
f F
un
ds
Yie
ld o
n F
un
dsIn
%
32
52
.66
59
.28
58
.70
56
.60
56
.62
Ma
r-1
5Ju
n-1
5S
ep
t-1
5D
ec-
15
Ma
r -1
6
12
.01
1.9
11
.71
1.5
10
.8
+1
1%
De
c-1
5S
ep
-15
Jun
-15
Ma
r-1
5M
ar-
16
10
81
08
10
71
07
99
De
c-1
5S
ep
-15
Jun
-15
Ma
r-1
5M
ar-
16
+9
%
72
12
8
-14
-75
-41
Ma
r-1
5Ju
n-1
5S
ep
t-1
5D
ec-
15
Ma
r -1
6
In %
Rs
Crs
Rs
Crs
33
22
21
21
23
23
50
52
44
52
39
76
Ma
r-1
6D
ec-
15
67
Jun
-15
60
Se
p-1
5
72
Ma
r-1
5
72
Tra
nsa
ctio
n F
ee
sTe
chn
olo
gy
Rs
Crs
Rs
Crs
28
42
50
30
10
14
23
12
22
10
14
15
Jun
-15
9
4
Se
p-1
5D
ec-
15
Ma
r-1
6M
ar-
15
9
Fo
rex
Oth
er
Pro
fit
on
Sa
le o
f In
vest
me
nts
Rs
Crs
13
91
53
12
11
04
12
2
Ma
r-1
5D
ec-
15
Ma
r-1
6
+1
4%
Se
p-1
5Ju
n-1
5
De
tail
sR
s. C
rsM
Du
rati
on
HT
M1
2,0
36
5.3
1
AFS
2,6
76
4.3
7
HF
T1
06
6.6
9
Tota
l1
4,8
18
5.4
6
34
Rs
Crs
Q4
-FY
16
Q4
-FY
15
Q3
-FY
16
For
NPA
& N
PI
19
1.1
05
9.6
58
3.8
5
For
De
pre
cia
tio
n o
n I
nve
stm
en
ts
0.5
06
.88
12
.21
For
Sta
nd
ard
Ass
ets
-3
7.3
71
0.6
41
0.8
5
For
Re
stru
ctu
red
Ad
van
ces/
Sa
crif
ice
s &
FIT
L -2
9.4
54
6.6
7-1
.69
For
Un
he
dg
ed
Fo
rex
Exp
osu
re
-0.6
93
.11
-1.2
3
Oth
ers
-7
.84
10
.79
2.3
9
Taxe
s 3
3.0
81
0.9
15
5.0
4
Tota
l Pro
vis
ion
s 1
49
.33
14
8.6
51
61
.43
35
0.9
6%
1.2
1%
1.3
9%
1.8
0%
2.8
9%
Ma
r-1
5Ju
ne
-15
Se
pt-
15
De
c-1
5M
ar-
16
1.7
1%
1.8
5%
2.2
4%
2.7
5%
3.7
7%
Ma
r-1
5Ju
ne
-15
Se
pt-
15
De
c-1
5M
ar-
16
84
51
,56
2
39
1
1,1
08
Clo
sin
gD
ed
uct
ion
sA
dd
itio
ns
Op
en
ing
Clo
sin
g
1,1
85
De
du
ctio
ns
19
5
Ad
dit
ion
s
66
4
Op
en
ing
71
6
Rs
Crs
Rs
Crs
36
18
61
95
31
33
06
44
3
94
9
De
c-1
5
2,2
36
1,9
30
Se
p-1
5
2,3
13
2,0
00
Jun
-15
2,1
70
1,9
75
Ma
r-1
5
2,0
68
1,8
82
Ma
r-1
6
1,3
92
Re
stru
ctu
red
Sta
nd
ard
Ad
van
ce
Re
stru
ctu
red
NP
A
23
%
42
%
35
%
Po
we
r D
isco
ms
Co
nst
ruct
ion
EP
C
Oth
ers
Rs
Crs
*O
the
r in
clu
de
s IT
, B
ull
ion
, e
tc.
UD
AY
Sch
em
e
to B
en
efi
t
37
Re
stru
ctu
red
Sta
nd
ard
Ad
va
nce
Rs.
21
4 C
rso
f D
ISC
OM
Exp
osu
re m
ay
be
re
stru
ctu
red
un
de
r U
da
yS
che
me
+8
84
0-6
70
+6
44
+6
-
+4
02
+1
6-
DIS
CO
MS
Op
en
ing
Incr
ea
se i
n
Ex
isti
ng
Ba
lan
ce
Ud
ay–
SD
L
Inv
est
me
nts
DIS
CO
MS
Co
nst
ruct
ion
EP
C
Oth
ers
0
-24
9
-84
Sli
pp
ag
es
to N
PA
+1
,93
0+
22
-67
0To
tal
-33
3
+2
14
+4
01
+3
34
Clo
sin
g B
ala
nce
+9
49
Rs
Crs
38
75
1
12
7
Clo
sin
g
1,3
92
De
c. in
Ba
lan
ce
Clo
sure
incl
ud
ing
wri
te o
ff
Up
gra
da
tio
n
to S
tan
da
rd
0
Inc.
in
Ba
lan
ce
34
Fre
sh
Ad
dit
ion
s
0
Op
en
ing
2,2
36
Sh
ift
of
focu
s fr
om
Larg
e C
orp
ora
te
to
SM
Es
De
focu
sin
g f
rom
Po
we
r &
In
fra
Se
cto
rs
Sp
eci
al R
eco
very
Ce
ll
&
Ass
et
Mo
nit
ori
ng
Ce
ll
Rs
Crs
39
19
9.9
21
4.0
35
4.6
36
8.8
Clo
sin
gO
pe
nin
gA
dd
itio
ns
De
du
ctio
ns
Pro
vis
ion
ing
Co
vera
ge
Ra
tio
40
.34
%
Ad
van
ces
in t
he
In
itia
l
qu
art
ers
as
NPA
s :
Re
qu
irin
g
Less
Pro
vis
ion
ing
Rs
Crs
40
0.1
2%
0.1
9%
0.1
2%
0.1
5%
0.8
6%
Ma
r-1
5Ju
n-1
5S
ep
t-1
5D
ec-
15
Ma
r-1
6
0.2
6%
0.2
1%
0.2
3%
0.0
2%
0.2
3%
Ma
r-1
5Ju
n-1
5S
ep
t-1
5D
ec-
15
Ma
r-1
6
0.4
3%
0.5
5%
0.4
4%
0.6
1%
0.2
7%
Ma
r-1
5Ju
n-1
5S
ep
t-1
5D
ec-
15
Ma
r-1
6
0.5
9%
0.6
0%
0.9
5%
1.8
0%
4.4
2%
Ma
r-1
5Ju
n-1
5S
ep
t-1
5D
ec-
15
Ma
r-1
6
41
10
.51
0.0
9.6
9.4
9.8
1.6
1.4
2.3
2.3
2.0
Ma
r-1
5
12
.1
Ma
r-1
6
11
.8
De
c-1
5
11
.7
Se
p-1
5
11
.9
Jun
-15
11
.4
In %
42
Ne
t In
tere
st In
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me
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Pro
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Tax
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00
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CA
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43
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44
Ne
t In
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Pro
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In M
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on
sIn
Mil
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ns
Rs
Crs
52
•F
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Bra
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lust
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Ba
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for
all
ba
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ba
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cov
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or
mo
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ori
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no
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orm
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Po
S&
AT
M N
etw
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Co
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an
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Inve
sto
r R
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tio
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Ad
vis
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Th
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ou
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Ba
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Ltd
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Mr.
C.
P. G
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esh
, C
FO
cpg
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n
ww
w.s
ou
thin
dia
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gic
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wth
Ad
vis
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td.
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Mr.
Sh
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et
/ js
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