Financial Legacy
Banking Par Excellence
  2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 2022-23 2023-24
Liabilities                    
Capital (` in Crore)
 747 776 797 892 892 892 892 892 892 892
Reserves & Surplus (` in Crore) 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 3,76,354
Deposits (` in Crore) 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 49,16,077
Borrowings (` in Crore) 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 5,97,561
Other’s (` in Crore) 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 2,88,810
Total(` in Crore) 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 61,79,694
Assets                    
Investments (` in Crore) 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 16,71,340
Advances (` in Crore) 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 37,03,971
Other Assets (` in Crore) 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 8,04,383
Total (` in Crore) 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 61,79,694
Net Interest Income (` in Crore) 55,015 57,195 61,860 74,854 88,349 98,085 1,10,710 1,20,708 1,44,841 1,59,876
Provisions for NPA (` in Crore) 17,908 26,984 32,247 70,680 54,529 42,776 27,244 14,087 9,144 9,518
Operating Result (` in Crore) 39,537 43,258 50,848 59,511 55,436 68,133 71,554 75,292 83,713 93,797
Net Profit Before Taxes (` in Crore) 19,314 13,774 14,855 -15,528 1,607 25,063 27,541 43,422 67,205 81,783
Net Profit (` in Crore) 13,102 9,951 10,484 -6,547 862 14,488 20,410 31,676 50,232 61,077
Return on Average Assets (%) 0.68 0.46 0.41 -0.19 0.02 0.38 0.48 0.67 0.96 1.04
Return on equity (%) 11.17 7.74 7.25 -3.78 0.48 7.74 9.94 13.92 19.43 20.32
Expenses to Income (%)
(operating Expenses to total Net Income)		 49.04 49.13 47.75 50.18 55.70 52.46 53.60 53.31 53.87 55.66
Profit Per employee (` in 000) 602 470 511 -243 33 578.98 828.35 1,292.72 2,122.64 2,620.46
Earnings Per Share (`)* 17.55 12.98 13.43 -7.67 0.97 16.23 22.87 35.49 56.29 68.44
Dividend Per Share (`)* 3.5 2.60 2.60 Nil Nil Nil 4.00 7.10 11.30 13.70
Share Price (on NSE) (`)* 267.05 194.25 293.40 249.90 320.75 196.85 364.30 493.55 523.75 810.80
Dividend Pay out Ratio % (`) 20.21 20.28 20.11 NA NA NA 17.49 20.00 20.08 20.02
Capital Adequacy Ratio (%)                    
Basel-II Total Capital (` in Crore) 1,54,491 1,81,800 2,06,685 2,34,056 2,41,073 2,66,596 3,01,980 3,34,829    
% 12.79 13.94 13.56 12.74 12.85 13.13 13.82 13.85    
Tier I Capital (` in Crore) 1,22,025 1,35,757 1,56,506 1,84,146 1,94,655 2,17,477 2,44,421 2,69,708    
% 10.1 10.41 10.27 10.02 10.38 10.71 11.19 11.16    
Tier II Capital (` in Crore) 32,466 46,043 50,179 49,910 46,418 49,119 57,559 65,121    
% 2.69 3.53 3.29 2.72 2.47 2.42 2.63 2.69    
Basel-III Total Capital (` in Crore) 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 4,60,023
% 12 13.12 13.11 12.60 12.72 13.06 13.74 13.83 14.68 14.28
Tier I Capital (` in Crore) 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 3,84,177
% 9.60 9.92 10.35 10.36 10.65 11.00 11.44 11.42 12.06 11.93
Tier II Capital (` in Crore) 29,362 42,868 43,087 42,334 39,987 43,267 51,716 59,722 73,051 75,846
% 2.40 3.20 2.76 2.24 2.07 2.06 2.30 2.41 2.62 2.35
Net NPA to Net Advances (%) 2.12 3.81 3.71 5.73 3.01 2.23 1.50 1.02 0.67 0.57
Number of Domestic Branches 16,333 16,784 17,170 22,414 22,010 22,141 22,219 22,266 22,405 22,542
Number of Foreign Branches / offices 191 198 195 206 208 233 229 227 235 241

*The face value of shares of the Bank was split from `10 per share to `1 per share - w.e.f. 22nd November 2014.