|
Financials : |
|
Unaudited Financial Results (Quarterly)
(As at Fourth Quarter 16th July 2008) of the fiscal year 2007 / 2008
Rs. in '000 |
| S.
N |
Particulars |
This Quarter
Ending |
Previous Quarter
Ending |
Corresponding Previous Quarter
Ending |
|
1 |
Total Capital and Liabilities
(1.1 to 1.7) |
15,030,078 |
13,956,485 |
11,918,311 |
|
1.1 |
Paid Up Capital |
1,070,000 |
900,000 |
750,000 |
|
1.2 |
Reserve & Surplus |
306,003 |
250,578 |
275,630 |
|
1.3 |
Debenture & Bond |
400,000 |
- |
- |
|
1.4 |
Borrowings |
100,000 |
300,000 |
212,970 |
|
1.5 |
Deposits (a + b) |
12,778,158 |
12,357,492 |
10,557,416 |
|
|
a) Domestic Currency |
12,192,483 |
11,862,323 |
10,027,316 |
|
|
b) Foreign Currency |
585,676 |
495,169 |
530,100 |
|
1.6 |
Income Tax Liability |
-9,212 |
-72,084 |
11,007 |
|
1.7 |
Other Liabilities |
385,129 |
200,499 |
111,288 |
|
2 |
Total Assets (2.1 to 2.7) |
15,030,078 |
13,956,485 |
11,918,311 |
|
2.1 |
Cash & Bank Balance |
933,842 |
1,210,442 |
672,113 |
|
2.2 |
Money at call and Short Notice |
13,840 |
2,025,771 |
372,215 |
|
2.3 |
Investments |
2,180,318 |
1,161,519 |
1,678,418 |
|
2.4 |
Loan & Advances |
11,338,726 |
9,238,987 |
8,929,013 |
|
2.5 |
Fixed Assets |
221,880 |
200,232 |
189,324 |
|
2.6 |
Non Banking Assets |
3,141 |
3,141 |
2,395 |
|
2.7 |
Other Assets |
338,332 |
116,394 |
74,834 |
|
3 |
Profit & Loss Account |
Up to
This Quarter |
Up to
Previous Quarter |
At the End Of
Corresponding
Previous Year Quarter |
|
3.1 |
Interest Income |
962,756 |
701,989 |
791,284 |
|
3.2 |
Interest Expenses |
498,777 |
357,749 |
397,053 |
|
A. |
Net Interest Income (3.1-3.2) |
463,978 |
344,240 |
394,231 |
|
3.3 |
Fees, Commission & Discount |
66,187 |
44,613 |
56,045 |
|
3.4 |
Other Operating Income |
- |
- |
- |
|
3.5 |
Foreign Exchange Gain/ Loss (Net) |
30,917 |
22,762 |
20,294 |
|
B. |
Total Operating Income
(A+3.3+3.4+3.5) |
561,083 |
411,615 |
470,571 |
|
3.6 |
Staff Expenses |
89,526 |
62,017 |
74,244 |
|
3.7 |
Other Operating Expenses |
135,373 |
87,637 |
104,079 |
|
C. |
Operating Profit before Provisions
(B -3.6-3.7) |
336,184 |
261,961 |
292,248 |
|
3.8 |
Provision for Possible Losses |
65,227 |
32,089 |
24,950 |
|
D. |
Operating Profit (C- 3.8) |
270,957 |
229,873 |
267,297 |
|
3.9 |
Non Operating Income/Expenses
(Net ) |
15,560 |
-318 |
670 |
|
3.10 |
Writeback of Provision for Possible Losses |
7,241 |
4,775 |
6,265 |
|
E. |
Profit from Regular Activities
(D+3.9+3.10) |
293,758 |
234,329 |
274,232 |
|
3.11 |
Extraordinery Income/Expenses (Net) |
-4,108 |
-1,567 |
-817 |
|
F. |
Profit before Bonus and Taxes (E+3.11 ) |
289,649 |
232,763 |
273,415 |
|
3.12 |
Provision
for Staff Bonus |
26,332 |
21,160 |
24,856 |
|
3.13 |
Provision for Tax |
82,945 |
66,655 |
78,296 |
|
G. |
Net Profit/ Loss ( F-3.12-3.13 ) |
180,373 |
144,948 |
170,263 |
|
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 |
14.53 |
11.35 |
11.20 |
|
4.2 |
Non Performing Loan (NPL) to Total Loan |
1.35 |
1.39 |
0.73 |
|
4.3 |
Total Loan Loss Provision to Total NPL |
121.52 |
121.52 |
201.79 |
|
