Financial Legacy
A Decade of Banking Excellence
  2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 2022-23
Liabilities                    
Capital (` in Crore)
 747 747 776 797 892 892 892 892 892 892
Reserves & Surplus (` in Crore) 1,17,536 1,27,692 1,43,498 1,87,489 2,18,236 2,20,021 2,31,115 2,52,983 2,79,196 3,26,716
Deposits (` in Crore) 13,94,409 15,76,793 17,30,722 20,44,751 27,06,344 29,11,386 32,41,621 36,81,277 40,51,534 44,23,778
Borrowings (` in Crore) 1,83,131 2,05,150 3,23,345 3,17,694 3,62,142 4,03,017 3,14,656 4,17,298 4,26,043 4,93,135
Other’s (` in Crore) 96,927 1,37,698 1,59,276 1,55,235 1,67,138 1,45,597 1,63,110 1,81,980 2,29,932 2,72,457
Total(` in Crore) 17,92,748 20,48,080 23,57,617 27,05,966 34,54,752 36,80,914 39,51,394 45,34,430 49,87,597 55,16,979
Assets                    
Investments (` in Crore) 3,98,800 4,81,759 5,75,652 7,65,990 10,60,987 9,67,022 10,46,954 13,51,705 14,81,445 15,70,366
Advances (` in Crore) 12,09,829 13,00,026 14,63,700 15,71,078 19,34,880 21,85,877 23,25,290 24,49,498 27,33,967 31,99,269
Other Assets (` in Crore) 1,84,119 2,66,295 3,18,265 3,68,898 4,58,885 5,28,015 5,79,150 7,33,227 7,72,185 7,47,344
Total (` in Crore) 17,92,748 20,48,080 23,57,617 27,05,966 34,54,752 36,80,914 39,51,394 45,34,430 49,87,597 55,16,979
Net Interest Income (` in Crore) 49,282 55,015 57,195 61,860 74,854 88,349 98,085 1,10,710 1,20,708 1,44,841
Provisions for NPA (` in Crore) 14,224 17,908 26,984 32,247 70,680 54,529 42,776 27,244 14,087 9,144
Operating Result (` in Crore) 32,109 39,537 43,258 50,848 59,511 55,436 68,133 71,554 75,292 83,713
Net Profit Before Taxes (` in Crore) 16,174 19,314 13,774 14,855 -15,528 1,607 25,063 27,541 43,422 67,205
Net Profit (` in Crore) 10,891 13,102 9,951 10,484 -6,547 862 14,488 20,410 31,676 50,232
Return on Average Assets (%) 0.65 0.68 0.46 0.41 -0.19 0.02 0.38 0.48 0.67 0.96
Return on equity (%) 10.49 11.17 7.74 7.25 -3.78 0.48 7.74 9.94 13.92 19.43
Expenses to Income (%)
(operating Expenses to total Net Income)		 52.67 49.04 49.13 47.75 50.18 55.70 52.46 53.60 53.31 53.87
Profit Per employee (` in 000) 485 602 470 511 -243 33 578.98 828.35 1,292.72 2,122.64
Earnings Per Share (`)* 156.76 17.55 12.98 13.43 -7.67 0.97 16.23 22.87 35.49 56.29
Dividend Per Share (`)* 30 3.5 2.60 2.60 Nil Nil Nil 4.00 7.10 11.30
Share Price (on NSE) (`)* 1,917.70 267.05 194.25 293.40 249.90 320.75 196.85 364.30 493.55 523.75
Dividend Pay out Ratio % (`) 20.56 20.21 20.28 20.11 NA NA NA 17.49 20.00 20.08
Capital Adequacy Ratio (%)                    
Basel-II Total Capital (` in Crore) 1,45,845 1,54,491 1,81,800 2,06,685 2,34,056 2,41,073 2,66,596 3,01,980 3,34,829  
% 12.96 12.79 13.94 13.56 12.74 12.85 13.13 13.82 13.85  
Tier I Capital (` in Crore) 1,12,333 1,22,025 1,35,757 1,56,506 1,84,146 1,94,655 2,17,477 2,44,421 2,69,708  
% 9.98 10.1 10.41 10.27 10.02 10.38 10.71 11.19 11.16  
Tier II Capital (` in Crore) 33,512 32,466 46,043 50,179 49,910 46,418 49,119 57,559 65,121  
% 2.98 2.69 3.53 3.29 2.72 2.47 2.42 2.63 2.69  
Basel-III Total Capital (` in Crore) 1,40,151 1,46,519 1,75,903 2,04,731 2,38,154 2,45,225 2,74,036 3,08,893 3,42,792 4,08,579
% 12.44 12 13.12 13.11 12.60 12.72 13.06 13.74 13.83 14.68
Tier I Capital (` in Crore) 1,09,547 1,17,157 1,33,035 1,61,644 1,95,820 2,05,238 2,30,769 2,57,177 2,83,070 3,35,528
% 9.72 9.60 9.92 10.35 10.36 10.65 11.00 11.44 11.42 12.06
Tier II Capital (` in Crore) 30,604 29,362 42,868 43,087 42,334 39,987 43,267 51,716 59,722 73,051
% 2.72 2.40 3.20 2.76 2.24 2.07 2.06 2.30 2.41 2.62
Net NPA to Net Advances (%) 2.57 2.12 3.81 3.71 5.73 3.01 2.23 1.50 1.02 0.67
Number of Domestic Branches 15,869 16,333 16,784 17,170 22,414 22,010 22,141 22,219 22,266 22,405
Number of Foreign Branches / offices 190 191 198 195 206 208 233 229 227 235

*The face value of shares of the Bank was split from `10 per share to `1 per share - wef. 22nd November 2014. The data is on `1 per share from 2014-15 onwards and `10 per share for earlier years.