-------------------

Standalone Balance
in Rs. Cr.
Sheet
-------------------
Mar '17 Mar '16 Mar '15 Mar '14 Mar '13

12 mths 12 mths 12 mths 12 mths 12 mths

Capital and Liabilities:

Total Share Capital 1,165.11 1,163.17 1,159.66 1,155.04 1,153.64
Equity Share Capital 1,165.11 1,163.17 1,159.66 1,155.04 1,153.64
Share Application Money 6.26 6.7 7.44 6.57 4.48
Reserves 95,737.57 85,748.24 79,262.26 72,051.71 65,547.84
Net Worth 96,908.94 86,918.11 80,429.36 73,213.32 66,705.96
Deposits 490,039.06 421,425.71 361,562.73 331,913.66 292,613.63
Borrowings 147,556.15 174,807.38 172,417.35 154,759.05 145,341.49
Total Debt 637,595.21 596,233.09 533,980.08 486,672.71 437,955.12
Other Liabilities &
34,245.16 34,726.44 31,719.86 34,755.55 32,133.60
Provisions
Total Liabilities 768,749.31 717,877.64 646,129.30 594,641.58 536,794.68
Mar '17 Mar '16 Mar '15 Mar '14 Mar '13

12 mths 12 mths 12 mths 12 mths 12 mths

Assets

Cash & Balances with RBI 31,702.41 27,106.09 25,652.91 21,821.83 19,052.73

Balance with Banks, Money

44,010.66 32,762.65 16,651.71 19,707.77 22,364.79
at Call
Advances 464,232.08 435,263.94 387,522.07 338,702.65 290,249.44
Investments 161,506.55 160,411.80 186,580.03 177,021.82 171,393.60
Gross Block 7,805.21 7,576.92 4,725.52 4,678.14 4,647.06
Revaluation Reserves 3,042.14 2,817.47 0 0 0
Net Block 4,763.07 4,759.45 4,725.52 4,678.14 4,647.06
Other Assets 62,534.55 57,573.70 24,997.05 32,709.39 29,087.07
Total Assets 768,749.32 717,877.63 646,129.29 594,641.60 536,794.69

Contingent Liabilities 1,053,616.90 922,453.51 868,190.58 794,965.35 802,383.84

Book Value (Rs) 166.37 149.47 138.72 634.6 578.65
 ---------------
---- in Rs.
Standalone Profit & Loss
Cr.
account
---------------
----
Mar '17 Mar '16 Mar '15 Mar '14 Mar '13

12 mths 12 mths 12 mths 12 mths 12 mths

Income
Interest Earned 54,156.28 52,739.43 49,091.14 44,178.15 40,075.60
Other Income 19,504.48 15,323.05 12,176.13 10,427.87 8,345.70
Total Income 73,660.76 68,062.48 61,267.27 54,606.02 48,421.30
Expenditure
Interest expended 32,418.96 31,515.39 30,051.53 27,702.59 26,209.18
Employee Cost 5,733.71 3,012.69 4,749.88 4,220.11 3,893.29
Selling, Admin & Misc
24,949.36 23,109.60 14,631.56 12,296.88 9,503.20
Expenses
Depreciation 757.65 698.51 658.95 575.97 490.16
Operating Expenses 14,755.06 12,683.55 11,495.83 10,308.86 9,012.89

Provisions & Contingencies 16,685.66 14,137.25 8,544.56 6,784.10 4,873.76

Total Expenses 63,859.68 58,336.19 50,091.92 44,795.55 40,095.83

Mar '17 Mar '16 Mar '15 Mar '14 Mar '13

12 mths 12 mths 12 mths 12 mths 12 mths

Net Profit for the Year 9,801.09 9,726.29 11,175.35 9,810.48 8,325.47
Profit brought forward 17,132.19 17,261.42 13,318.59 9,902.29 7,054.23
Total 26,933.28 26,987.71 24,493.94 19,712.77 15,379.70
Equity Dividend 0 2,907.52 2,898.81 2,656.28 2,307.23
Corporate Dividend Tax 0 279.37 271.15 231.25 292.16
Per share data (annualised)
Earning Per Share (Rs) 16.83 16.73 19.28 85.04 72.22
Equity Dividend (%) 125 250 250 230 200
Book Value (Rs) 166.37 149.47 138.72 634.6 578.65
Appropriations
Transfer to Statutory
8,188.34 6,668.62 4,062.57 3,506.65 2,878.03
Reserves

Transfer to Other Reserves 0 0.01 0 0 0

Proposed
0 3,186.89 3,169.96 2,887.53 2,599.39
Dividend/Transfer to Govt

Balance c/f to Balance

18,744.94 17,132.19 17,261.42 13,318.59 9,902.29
Sheet
Total 26,933.28 26,987.71 24,493.95 19,712.77 15,379.71
Other income: Total income 26.48% 22.51% 19.87% 19.10% 17.24%

Int exp: Int income 59.86% 59.76% 61.22% 62.71% 65.40%

Total Op exp : Int income 85% 79% 65% 63% 57%

NP margin 18.10% 18.44% 22.76% 22.21% 20.77%

NP margin (total income) 13.31% 14.29% 18.24% 17.97% 17.19%
NW 96,908.94 86,918.11 80,429.36 73,213.32 66,705.96
RONW 10.11% 11.19% 13.89% 13.40% 12.48%
Long term funds 427,775.20 683,151.20 614,409.44 559,886.03 504,661.08
ROCE 58,905.71 55,378.93 49,771.44 44,297.17 39,408.41
ROCE 13.77% 8.11% 8.10% 7.91% 7.81%
Key Financial Ratios

Mar '17 Mar '16 Mar '15 Mar '14 Mar '13

Investment Valuation Ratios

Face Value 2 2 2 10 10
Dividend Per Share 2.5 5 5 23 20
Operating Profit Per Share
13.29 15.89 14.15 58.45 46.36
(Rs)
Net Operating Profit Per
92.98 90.7 84.68 382.97 347.66
Share (Rs)
Free Reserves Per Share
-- -- -- -- --
(Rs)
Bonus in Equity Capital -- -- -- -- --
Profitability Ratios
Interest Spread 6.58 6.83 7.04 7.35 7.82
Adjusted Cash Margin(%) 14.33 15.31 19.31 19.02 18.2
Net Profit Margin 18.09 18.44 22.76 22.2 20.77
Return on Long Term
46.54 50.29 57.03 56.92 56.37
Fund(%)
Return on Net Worth(%) 10.11 11.19 13.89 13.4 12.48
Adjusted Return on Net
10.11 11.19 13.89 13.4 12.48
Worth(%)
Return on Assets Excluding
166.37 149.47 138.72 634.6 578.65
Revaluations
Return on Assets Including
171.59 154.31 138.72 634.6 578.65
Revaluations
Management Efficiency Ratios

Interest Income / Total Funds 7.29 7.73 7.91 7.81 7.93

Net Interest Income / Total

2.92 3.11 3.07 2.91 2.74
Funds
Non Interest Income / Total
2.62 2.25 1.96 1.84 1.65
Funds
Interest Expended / Total
4.36 4.62 4.84 4.9 5.19
Funds
Operating Expense / Total
1.88 1.76 1.75 1.72 1.69
Funds
Profit Before Provisions / Total
3.56 3.5 3.18 2.93 2.61
Funds
Net Profit / Total Funds 1.32 1.43 1.8 1.73 1.65
Loans Turnover 0.12 0.13 0.14 0.14 0.15
Total Income / Capital
9.91 9.98 9.88 9.65 9.58
Employed(%)
Interest Expended / Capital
4.36 4.62 4.84 4.9 5.19
Employed(%)

Total Assets Turnover Ratios 0.07 0.08 0.08 0.08 0.08

Asset Turnover Ratio 0.08 0.08 0.08 0.08 0.08

Profit And Loss Account Ratios
Interest Expended / Interest
59.86 59.76 61.22 62.71 65.4
Earned

Other Income / Total Income 26.48 22.51 19.87 19.1 17.24

Operating Expense / Total

19 17.61 17.69 17.82 17.6
Income
Selling Distribution Cost
0.53 0.4 -- -- --
Composition
Balance Sheet Ratios
Capital Adequacy Ratio 17.39 16.64 17.02 17.7 18.74

Advances / Loans Funds(%) 75.25 77.02 75.94 73.26 69.64

Debt Coverage Ratios

Credit Deposit Ratio 98.69 105.08 104.72 100.71 99.25
Investment Deposit Ratio 35.32 44.32 52.43 55.79 60.38
Cash Deposit Ratio 6.45 6.74 6.85 6.54 7.21
Total Debt to Owners Fund 6.58 6.86 6.64 6.65 6.57
Financial Charges Coverage
1.84 1.78 1.68 1.62 1.52
Ratio
Financial Charges Coverage
1.33 1.33 1.39 1.37 1.34
Ratio Post Tax
Leverage Ratios
Current Ratio 0.12 0.13 0.06 0.09 0.09
Quick Ratio 16.31 14.97 13.81 11.31 10.53
Cash Flow Indicator Ratios
Dividend Payout Ratio Net
-- 29.89 25.93 27.07 27.71
Profit
Dividend Payout Ratio Cash
-- 27.89 24.49 25.57 26.17
Profit
Earning Retention Ratio 100 70.11 74.07 72.93 72.29

Cash Earning Retention Ratio 100 72.11 75.51 74.43 73.83

AdjustedCash Flow Times 46.41 40.43 30.55 31.96 33.19

Mar '17 Mar '16 Mar '15 Mar '14 Mar '13

Earnings Per Share 16.83 16.73 19.28 85.04 72.22

Book Value 166.37 149.47 138.72 634.6 578.65

Source : Dion Global Solutions Limited

Int income 54,156.28 52,739.43 49,091.14 44,178.15 40,075.60

Int expenses 32,418.96 31,515.39 30,051.53 27,702.59 26,209.18

Loans & Adv 464,232.08 435,263.94 387,522.07 338,702.65 290,249.44

Dep. & borrow 637,595.21 596,233.09 533,980.08 486,672.71 437,955.12

Int earned 11.67% 12.12% 12.67% 13.04% 13.81%

Int expended 5.08% 5.29% 5.63% 5.69% 5.98%

Spread 6.58% 6.83% 7.04% 7.35% 7.82%

Operating expense 46,195.78 39,504.35 31,536.22 27,401.82 22,899.54

Total funds 734,504.15 683,151.20 614,409.44 559,886.03 504,661.08

Net Int income 21,737.32 21,224.04 19,039.61 16,475.56 13,866.42

Int income/ total funds 7.37% 7.72% 7.99% 7.89% 7.94%

Net Int income /total funds 2.96% 3.11% 3.10% 2.94% 2.75%

Interest Expended / Total Funds 4.41% 4.61% 4.89% 4.95% 5.19%

Operating Expense / Total Funds 6.29% 5.78% 5.13% 4.89% 4.54%
Profit Before Provisions / Total Funds 3.61% 3.49% 3.21% 2.96% 2.62%

Net Profit / Total Funds 1.33% 1.42% 1.82% 1.75% 1.65%

Credit Deposit Ratio 94.73% 103.28% 107.18% 102.05% 99.19%
Investment Deposit Ratio 32.96% 38.06% 51.60% 53.33% 58.57%

16.82 16.72 19.27 16.99 14.43