|
Financials : |
|
Unaudited Financial Results (Quarterly)
(As at First quarter 16th October 2008) of the fiscal year 2008 / 2009
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) |
17,480,329 |
15,026,599 |
12,866,342 |
|
1.1 |
Paid Up Capital |
1,078,272 |
1,070,000 |
750,000 |
|
1.2 |
Reserve & Surplus |
357,321 |
300,560 |
292,791 |
|
1.3 |
Debenture & Bond |
400,000 |
400,000 |
- |
|
1.4 |
Borrowings |
251,548 |
100,000 |
750,138 |
|
1.5 |
Deposits (a + b) |
15.043,387 |
12,774,281 |
10,871,052 |
|
|
a) Domestic Currency |
14,419,472 |
12,188,605 |
10,520,532 |
|
|
b) Foreign Currency |
623,915 |
585,676 |
350,521 |
|
1.6 |
Income Tax Liability |
-9,666 |
-9650 |
-67,852 |
|
1.7 |
Other Liabilities |
359,467 |
391,408 |
270,213 |
|
2 |
Total Assets (2.1 to 2.7) |
17,480,329 |
15,026,599 |
12,866,342 |
|
2.1 |
Cash & Bank Balance |
1,173,736 |
933,842 |
631,212 |
|
2.2 |
Money at call and Short Notice |
- |
55,360 |
100,000 |
|
2.3 |
Investments |
3,484,376 |
2,138,798 |
1,452,190 |
|
2.4 |
Loan & Advances |
12,310,809 |
11,335,088 |
10,330,576 |
|
2.5 |
Fixed Assets |
230,944 |
222,001 |
194,775 |
|
2.6 |
Non Banking
Assets |
3,141 |
3,141 |
4,986 |
|
2.7 |
Other Assets |
277,323 |
338,370 |
152,603 |
|
3 |
Profit & Loss Account |
Up to
This Quarter |
Up to
Previous Quarter |
Up to Corresponding
Previous Year Quarter |
|
3.1 |
Interest Income |
369,007 |
957,246 |
220,758 |
|
3.2 |
Interest Expenses |
259,693 |
498,734 |
114,674 |
|
A. |
Net Interest Income (3.1-3.2) |
109,313 |
458,512 |
106,084 |
|
3.3 |
Fees, Commission & Discount |
20,915 |
66,300 |
16,462 |
|
3.4 |
Other Operating Income |
- |
- |
- |
|
3.5 |
Foreign Exchange Gain/ Loss (Net) |
14,484 |
41,808 |
8,240 |
|
B. |
Total Operating Income
(A+3.3+3.4+3.5) |
144,713 |
566,619 |
130,787 |
|
3.6 |
Staff Expenses |
24,061 |
89,570 |
19,416 |
|
3.7 |
Other Operating Expenses |
33,557 |
148,143 |
29,199 |
|
C. |
Operating Profit before Provisions
(B -3.6-3.7) |
87,095 |
328,905 |
82,171 |
|
3.8 |
Provision for Possible Losses |
22,286 |
64,024 |
66,575 |
|
D. |
Operating
Profit (C- 3.8) |
64,808 |
264,882 |
15,596 |
|
3.9 |
Non Operating Income/Expenses
(Net ) |
61 |
15,588 |
-64 |
|
3.10 |
Writeback of Provision for Possible Losses |
26,410 |
7,241 |
- |
|
E. |
Profit from Regular Activities
(D+3.9+3.10) |
91,280 |
287,711 |
15,532 |
|
3.11 |
Extraordinery Income/Expenses (Net) |
-132 |
4,531 |
-654 |
|
F. |
Profit before Bonus and Taxes (E+3.11 ) |
91,149 |
283,180 |
14,879 |
|
3.12 |
Provision
for Staff Bonus |
8,286 |
25,744 |
1,353 |
|
3.13 |
Provision for Tax |
26,102 |
82,506 |
4,261 |
|
G. |
Net Profit/ Loss ( F-3.12-3.13 ) |
56,761 |
9,265 |
7,820 |
|
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 |
12.25 |
14.45 |
9.97 |
|
4.2 |
Non Performing Loan (NPL) to Total Loan |
1.09 |
1.32 |
2.59 |
|
4.3 |
Total Loan Loss Provision to Total NPL |
134.44 |
122.83 |
72.68 |
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