2014 2015 2016 2017 2018 2019

11.50% 50111 57627.65 66271.8 76212.57 87644.45 100791.1 Interest on advances 435747.8
524 524 524 524 524 524 Interest on balances with RBI, OB
17768 20433.2 23498.18 27022.91 31076.34 35737.79 Income on investments
1058 1216.7 1399.205 1609.086 1850.449 2128.016 others
241949 278241.4 319977.6 367974.2 423170.4 486645.9 Investment
17824.73 20498.44 23573.2 27109.19 31175.56 35851.9 income on inv
1058 1058 1058 1058 1058 1058 others
total income
 501110 576276.5 662718 762125.7 876444.5 Advances
599220.1 689103.1 792468.6 911338.9 1048040 1205246 Deposits

advances deposit ratio

434361 597313 0.727192
investment
241179 0.403773
income on inv
17768 0.073671
 2014 2015 2016 2017 2018
Interest on advances 50111 57627.65 66271.80 76212.57 87644.45
Interest on balances with RBI, OB 524 524 524 524 524
Income on investments 17768 20433.2 23498.18 27022.91 31076.34
others(assumed const) 1058 1058 1058 1058 1058
other income 3600 3600 3600 3600 3600
commission(in line with advances) 3338 3838.7 4414.505 5076.681 5838.183
others (assumed constant)
total income 76399 87081.55 99366.48 113494.2 129741

Interst Expenses: 47175 53597.52 60977.64 69458.44 79204.4

Interst on Deposits 42095 48409.25 55670.64 64021.23 73624.42
Interest on RBI/Interbank Borrowings 1121 1229.275 1348.007 1478.208 1620.985
Other Interest 3959 3959 3959 3959 3959

Operating Expenses 14421 16437.43 18756.32 21423.04 24489.78

Provisions for ivestment 1116 1116 1116 1116 1116
Other Provisions 1568 1803.2 2073.68 2384.732 2742.442

Profit Before Tax 12119 14127.4 16442.84 19111.94 22188.35

Tax (30%) 3635.7 4238.219 4932.851 5733.581 6656.506
Profit After Tax 8483.3 9889.178 11509.99 13378.36 15531.85
No of outstanding shares 855 855 855 855 855
EPS 9.921988 11.56629 13.46197 15.6472 18.1659
DPS

BALANCE SHEET 2014 2015 2016 2017 2018

Liabilities and Equity
Share Capital 1710 1710 1710 1710 1710
Reserves 67795 74208.25 81228.17 88912.17 97323.05
Deposits 597313 686910 789946.4 908438.4 1044704
Borrowing 56880 62373.9 68398.45 75004.89 82249.44
OLP 22243 26508.31 31591.53 37649.5 44869.16
Total L 745941 851710.4 972874.6 1111715 1270856

Assets
 interest on advances 11.54% advances
2019 advance-deposit const 0.727192 Investment
100791.12 investment-deposit const 0.403773 deposit
524 income on inv ratio const 0.073671
35737.795 commission- advances const 0.007685 Borrowings
1058 Interest on Deposits 0.070474
3600
6713.9103 Borrowings growth rate 0.096588
Interest on RBI/Interbank B 0.019708
148424.82
operating expenses to Incom 0.188759
90404.633 Other Provisions to advances 0.00361
84668.081
1777.552
3959

28016.524
1116
3153.8081

25733.86
7720.1581
18013.702
855
21.068657

2019

1710 1.0945976492
106529.58 1.1917595371
1201410
90193.717
53473.245
1453316
 2014 2015 2016 2017 2018 2019
434361 499515.2 574442.4 660608.8 759700.1 873655.1 0
241179 277355.9 318959.2 366803.1 421823.6 485097.1
597313 686910 789946.4 908438.4 1044704 1201410

56880 62373.9 68398.45 75004.89 82249.44 90193.72