|
Financials : |
|
Unaudited Financial Results (Quarterly)
(As at
second quarter 13th January 2006) of the fiscal year 2005 / 2006
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) |
8,739,181 |
8,761,866 |
6,724,819
|
|
1.1 |
Paid Up Capital |
500,000 |
500,000 |
500,000 |
|
1.2 |
Reserve & Surplus |
239,699
|
197,572
|
242,842
|
|
1.3 |
Debenture & Bond |
- |
- |
- |
|
1.4 |
Borrowings |
111,513
|
110,000
|
10,002
|
|
1.5 |
Deposits (a + b) |
7,405,941
|
7,569,432
|
5,622,634
|
|
|
a) Domestic Currency |
7,333,665 |
7,506,212 |
5,522,398 |
|
|
b) Foreign Currency |
72,276 |
63,220
|
100,235 |
|
1.6 |
Income Tax Liability |
29,316 |
35,123 |
7,102 |
|
1.7 |
Other Liabilities |
452,713
|
349,739 |
342,240 |
|
2 |
Total Assets (2.1 to 2.7) |
8,739,181
|
8,761,866 |
6,724,819 |
|
2.1 |
Cash & Bank Balance |
441,746 |
729,915 |
373,379 |
|
2.2 |
Money at call and Short Notice |
365,002 |
605,556 |
214,876 |
|
2.3 |
Investments |
1,310,761 |
1100535 |
671563 |
|
2.4 |
Loan & Advances |
6,103,930 |
6021856 |
5087642 |
|
2.5 |
Fixed Assets |
69,102 |
62976 |
49101 |
|
2.6 |
Non Banking Assets |
4,752 |
- |
- |
|
2.7 |
Other Assets |
443,888 |
241,028 |
328,258 |
|
3 |
Profit & Loss Account |
Up to
This Quarter |
Up to
Previous Quarter |
Up to Corresponding
Previous Year Quarter |
|
3.1 |
Interest Income |
293,372 |
132,184 |
230,577 |
|
3.2 |
Interest Expenses |
183,907 |
83,160 |
113,363 |
|
A. |
Net Interest Income (3.1-3.2) |
109,465 |
44,024 |
117,214 |
|
3.3 |
Fees, Commission & Discount |
14,870 |
7,376 |
13,214 |
|
3.4 |
Other Operating Income |
- |
- |
- |
|
3.5 |
Foreign Exchange Gain/ Loss (Net) |
13,752 |
7,110 |
7,458 |
|
B. |
Total Operating Income
(A+3.3+3.4+3.5) |
138,087 |
58,510 |
137,386 |
|
3.6 |
Staff Expenses |
25,906 |
14,613 |
19,542 |
|
3.7 |
Other Operating Expenses |
37,277 |
17613 |
29,175 |
|
C. |
Operating Profit before Provisions
(B -3.6-3.7) |
74,905 |
26,216 |
89,169 |
|
3.8 |
Provision for Possible Losses |
21,976 |
31,401 |
45,,838 |
|
D. |
Operating Profit (C- 3.8) |
57,681 |
-5185 |
43,331 |
|
3.9 |
Non Operating Income/Expenses
(Net ) |
-27 |
-19 |
3 |
|
3.10 |
Writeback of Provision for Possible Losses |
4,752 |
- |
- |
|
E. |
Profit from Regular Activities
(D+3.9+3.10) |
57,654 |
-5,204 |
43,334 |
|
3.11 |
Extraordinery Income/Expenses (Net) |
- |
- |
- |
|
F. |
Profit before Bonus and Taxes (E+3.11 ) |
57,654 |
-5,204 |
43,334 |
|
3.12 |
Provision for Staff Bonus |
5,241 |
|
|
|
3.13 |
Provision for Tax |
15,462 |
|
|
|
G. |
Net Profit/ Loss ( F-3.12-3.13 ) |
36,951 |
-5,204 |
43,334 |
|
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 |
10.51 |
10.15 |
11.96 |
|
4.2 |
Non Performing Loan (NPL) to Total Loan |
1.65 |
2.01 |
1.82 |
|
4.3 |
Total Loan Loss Provision to Total NPL |
112.82 |
91 |
104.36 |
|
