|
Financials : |
|
Unaudited Financial Results (Quarterly)
(As at Second Quarter 14th January 2008) of the fiscal year 2007 / 2008
Rs. in '000 |
| S.
N |
Particulars |
This Quarter
Ending |
Previous Quarter
Ending |
Corresponding
Previous Year
Quarter Ending |
|
1 |
Total Capital and Liabilities
(1.1 to 1.7) |
13,809,780 |
12,866,342, |
11,421,209 |
|
1.1 |
Paid Up Capital |
900,000 |
750,000 |
625,000 |
|
1.2 |
Reserve & Surplus |
218,845 |
292,791 |
382,716 |
|
1.3 |
Debenture & Bond |
- |
- |
- |
|
1.4 |
Borrowings |
1,005,000 |
750,138 |
271,193 |
|
1.5 |
Deposits (a + b) |
11,452,182 |
10,871,052 |
9,768,660 |
|
|
a) Domestic Currency |
10,978,872 |
10,520,532 |
9,366,415 |
|
|
b) Foreign Currency |
473,310 |
350,521 |
402,245 |
|
1.6 |
Income Tax Liability |
-44,070 |
-67,852 |
-63,385 |
|
1.7 |
Other Liabilities |
277,823 |
270,213 |
437,024 |
|
2 |
Total Assets (2.1 to 2.7) |
13,809,780 |
12,866,342 |
11,421,209 |
|
2.1 |
Cash & Bank Balance |
906,045 |
631,212 |
754,134 |
|
2.2 |
Money at call and Short Notice |
- |
100,000 |
320,000 |
|
2.3 |
Investments |
1,33,018 |
1,452,190 |
1,530,193 |
|
2.4 |
Loan & Advances |
11,221,419 |
10,330,576 |
8,425,726 |
|
2.5 |
Fixed Assets |
193,538 |
194,775 |
75,558 |
|
2.6 |
Non Banking Assets |
7,381 |
4,986 |
4,789 |
|
2.7 |
Other Assets |
148,380 |
152,603 |
310,808 |
|
3 |
Profit & Loss Account |
Up to
This Quarter |
Up to
Previous Quarter |
Up to Corresponding
Previous Year Quarter |
|
3.1 |
Interest Income |
454,292 |
220,758 |
341,963 |
|
3.2 |
Interest Expenses |
216,190 |
114,674 |
178,970 |
|
A. |
Net Interest Income (3.1-3.2) |
238,102 |
106,084 |
162,994 |
|
3.3 |
Fees, Commission & Discount |
32,556 |
16,462 |
27,929 |
|
3.4 |
Other Operating Income |
- |
- |
- |
|
3.5 |
Foreign Exchange Gain/ Loss (Net) |
14,858 |
8,240 |
9,883 |
|
B. |
Total Operating Income
(A+3.3+3.4+3.5) |
285,517 |
130,787 |
200,806 |
|
3.6 |
Staff Expenses |
41,056 |
19,416 |
32,360 |
|
3.7 |
Other Operating Expenses |
56,357 |
29,199 |
44,692 |
|
C. |
Operating Profit before Provisions
(B -3.6-3.7) |
188,103 |
82,171 |
123,753 |
|
3.8 |
Provision for Possible Losses |
77,145 |
66,575 |
27,275 |
|
D. |
Operating Profit (C- 3.8) |
110,958 |
15,596 |
96,479 |
|
3.9 |
Non Operating Income/Expenses
(Net ) |
428 |
-64 |
-2,531 |
|
3.10 |
Writeback of Provision for Possible Losses |
38,955 |
- |
- |
|
E. |
Profit from Regular Activities
(D+3.9+3.10) |
150,342 |
15,532 |
93,947 |
|
3.11 |
Extraordinery Income/Expenses (Net) |
-654 |
-654 |
- |
|
F. |
Profit before Bonus and Taxes (E+3.11 ) |
149,688 |
14,879 |
93,947 |
|
3.12 |
Provision
for Staff Bonus |
13,608 |
1,353 |
8,541 |
|
3.13 |
Provision for Tax |
42,865 |
4,261 |
26,903 |
|
G. |
Net Profit/ Loss ( F-3.12-3.13 ) |
93,215 |
9,265 |
58,503 |
|
4 |
Ratios |
At the End of
This Quarter |
At the End of
Previous
Quarter |
At the End of
Corresponding previous
Year Quarter |
|
4.1 |
Capital Fund to RWA |
10.06 |
9.97 |
11.08 |
|
4.2 |
Non Performing Loan (NPL) to Total Loan |
0.85 |
2.59 |
1.56 |
|
4.3 |
Total Loan Loss Provision to Total NPL |
175.77 |
72.68 |
108.93 |
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