|
(Rs. in
Crore) |
Sl
No |
Parameters |
Sep-06
Half Year |
Dec-06
Quarter |
Dec-06
Nine Month |
Sep-05
Half Year |
Dec-05
Quarter |
Dec-05
Nine Month |
2005-06
Full Year |
1. |
Capital |
446.70 |
446.70 |
446.70 |
446.70 |
446.70 |
446.70 |
446.00 |
2. |
Reserves |
3528.32 |
3813.55 |
3813.55 |
3026.87 |
3242.88 |
3242.88 |
3191.83 |
3. |
Deposits |
54006.20 |
56523.49 |
56523.49 |
43700.55 |
44631.30 |
44631.30 |
48499.69 |
| |
% Growth |
23.58% |
26.65% |
26.65% |
21.38% |
17.01% |
17.01% |
18.98% |
4. |
Working Funds |
61499.30 |
64921.50 |
64921.50 |
49800.58 |
50507.38 |
50507.38 |
55291.99 |
5. |
Advances (Gross) |
36470.99 |
38713.96 |
38713.96 |
25158.90 |
27714.66 |
27714.66 |
30061.22 |
|
% Growth |
44.96% |
39.69% |
39.69% |
30.17% |
33.33% |
33.33% |
35.71% |
6. |
Advances (Net) |
35581.33 |
37818.16 |
37818.16 |
24131.35 |
26685.27 |
26685.27 |
29147.78 |
7. |
Investments (Gross) |
20267.65 |
18911.63 |
18911.63 |
19264.11 |
18326.51 |
18326.51 |
18315.67 |
|
% Growth |
5.21% |
3.19% |
3.19% |
9.34% |
2.03% |
2.03% |
-4.25% |
8. |
Interest Earned on |
|
|
|
|
|
|
|
| |
a. Advances |
1392.51 |
899.52 |
2292.03 |
995.05 |
560.11 |
1555.16 |
2191.39 |
| |
b. Investments |
735.86 |
394.06 |
1129.92 |
752.54 |
363.95 |
1116.49 |
1488.42 |
| |
c. RBI Bal/Inter Bank |
45.69 |
9.53 |
55.22 |
32.06 |
17.61 |
49.67 |
70.40 |
| |
d. Others |
10.74 |
1.85 |
12.59 |
4.10 |
3.92 |
8.02 |
17.03 |
| |
Total Interest Earned |
2184.80 |
1304.96 |
3489.76 |
1783.75 |
945.59 |
2729.34 |
3767.24 |
| |
% Growth |
22.48% |
38.00% |
27.86% |
16.34% |
15.07% |
15.90% |
18.26% |
9. |
Other Income |
|
|
|
|
|
|
|
| |
a. Commission & Exchange |
160.54 |
65.87 |
226.41 |
132.51 |
65.11 |
197.62 |
287.24 |
| |
b. Investment Trading Profit |
11.85 |
42.75 |
54.60 |
70.73 |
28.72 |
99.45 |
138.95 |
| |
c. Sundry Credit Entries |
- |
- |
- |
63.14 |
28.18 |
91.32 |
104.63 |
| |
d. Others |
31.05 |
16.86 |
47.91 |
17.96 |
27.99 |
45.95 |
75.87 |
| |
Total Other Income |
203.44 |
125.48 |
328.92 |
284.34 |
150.00 |
434.34 |
606.69 |
| |
% Growth |
-28.45% |
-16.35% |
-24.27% |
-33.15% |
97.26% |
-13.37% |
-5.19% |
10. |
Total Income |
2388.24 |
1430.44 |
3818.68 |
2068.09 |
1095.59 |
3163.68 |
4373.93 |
| |
% Growth |
15.48% |
30.56% |
20.70% |
5.59% |
22.03% |
10.76% |
14.34% |
11. |
Interest Paid on |
|
|
|
|
|
|
|
| |
a. Deposits |
1361.09 |
783.85 |
2144.94 |
1028.85 |
538.01 |
1566.86 |
2115.54 |
| |
b. Borrowings |
42.88 |
36.41 |
79.29 |
27.61 |
16.14 |
43.75 |
74.25 |
| |
Total Interest Paid |
1403.97 |
820.26 |
2224.23 |
1056.46 |
554.15 |
1610.61 |
2189.79 |
| |
% Growth |
32.89% |
48.02% |
38.10% |
19.83% |
24.77% |
36.15% |
20.22% |
12. |
Establishment Expenses |
290.15 |
159.82 |
449.97 |
347.23 |
166.40 |
513.63 |
681.10 |
13. |
Other Operating Expenses |
243.46 |
124.32 |
367.78 |
237.93 |
111.50 |
349.43 |
478.89 |
14. |
Total Expenses |
1937.58 |
1104.40 |
3041.98 |
1641.62 |
832.05 |
2473.67 |
3349.78 |
| |
% Growth |
18.03% |
32.73% |
22.97% |
16.15% |
13.95% |
15.40% |
15.84% |
15. |
Operating Profit |
450.66 |
326.04 |
776.70 |
426.47 |
263.54 |
690.01 |
1024.15 |
| |
% Growth |
5.67% |
23.72% |
12.56% |
-21.77% |
57.22% |
-3.19% |
9.68% |
16. |
Provisions |
112.38 |
39.91 |
152.29 |
95.14 |
39.24 |
134.38 |
318.02 |
| |
a) NPA |
20.00 |
10.00 |
30.00 |
32.80 |
3.00 |
35.80 |
76.80 |
| |
b) Standard Advances |
28.00 |
17.00 |
45.00 |
7.00 |
20.00 |
27.00 |
53.00 |
| |
c) Dep on Investments |
104.13 |
4.70 |
108.83 |
30.62 |
9.37 |
39.99 |
191.44 |
| |
d) Income Tax |
-30.32 |
48.28 |
17.96 |
26.77 |
8.39 |
35.16 |
48.72 |
| |
e) Others |
-9.43 |
-40.07 |
-49.50 |
-2.05 |
-1.52 |
-3.57 |
-51.94 |
17. |
Net Profit |
338.28 |
286.13 |
624.41 |
331.33 |
224.30 |
555.63 |
706.13 |
| |
% Growth |
2.10% |
27.57% |
12.38% |
9.27% |
40.85% |
20.14% |
30.33% |
18. |
Spread |
780.83 |
484.70 |
1265.53 |
727.29 |
391.44 |
1118.73 |
1577.45 |
|
% Growth |
7.36% |
23.82% |
13.12% |
11.61% |
3.66% |
8.69% |
15.65% |
19. |
Op. Profit without Sundry Credits |
450.66 |
326.04 |
776.70 |
363.33 |
235.36 |
598.69 |
919.52 |
20. |
Net Profit without Sundry Credits |
338.28 |
286.13 |
624.41 |
268.19 |
196.12 |
464.31 |
601.50 |
21. |
Business Growth over previous year |
|
|
|
|
|
|
|
| |
a. Deposits (Amount) |
10305.65 |
11892.19 |
11892.19 |
7698.34 |
6489.48 |
6489.48 |
7737.62 |
| |
% Growth |
23.58% |
26.65% |
26.65% |
21.38% |
17.01% |
17.01% |
18.98% |
| |
b. Advances (Amount) |
11312.09 |
10999.30 |
10999.30 |
5831.33 |
6928.36 |
6928.36 |
7909.70 |
| |
% Growth |
44.96% |
39.69% |
39.69% |
30.17% |
33.33% |
33.33% |
35.71% |
| |
c. Investments (Amount) |
1003.58 |
585.12 |
585.12 |
1645.12 |
363.97 |
363.97 |
-813.20 |
| |
% Growth |
5.21% |
3.19% |
3.19% |
9.34% |
2.03% |
2.03% |
-4.25% |
|
d. Credit Deposit Ratios
(Gross Credit to Aggre. Dep.) |
68.21% |
69.15% |
69.15% |
58.20% |
62.79% |
62.79% |
62.89% |
| 22. |
Ratios |
|
|
|
|
|
|
|
| |
a. Yield on Advances |
8.83% |
9.87% |
9.21% |
8.62% |
8.86% |
8.70% |
8.75% |
| |
b. Yield on Investments |
7.45% |
7.58% |
7.50% |
7.21% |
7.60% |
7.34% |
7.56% |
| |
c. Cost of Deposits |
5.45% |
5.73% |
5.55% |
4.99% |
4.99% |
4.99% |
4.97% |
| |
d. Cost of Borrowings |
7.42% |
7.47% |
7.44% |
6.96% |
6.96% |
6.96% |
7.96% |
| |
e. Estt. Exp to Total Exp |
14.97% |
14.47% |
14.79% |
21.15% |
20.00% |
20.76% |
20.33% |
| |
f. Other Op. Exp to Total Exp |
12.57% |
11.26% |
12.09% |
14.49% |
13.40% |
14.13% |
14.30% |
| |
g. Operating Exp to AWF |
1.73% |
1.61% |
1.69% |
2.15% |
2.06% |
2.12% |
2.08% |
| |
h. Operating Profit to AWF |
1.61% |
2.05% |
1.77% |
1.78% |
2.15% |
1.91% |
2.06% |
| |
i. Avg Yield on WF |
7.80% |
8.20% |
7.95% |
7.47% |
7.72% |
7.55% |
7.57% |
| |
j. Avg Cost of WF |
5.01% |
5.16% |
5.07% |
4.42% |
4.53% |
4.46% |
4.40% |
| |
k. Spread to AWF |
2.79% |
3.04% |
2.88% |
3.05% |
3.19% |
3.09% |
3.17% |
| |
l. Capital Adequacy Ratio |
13.00% |
12.80% |
12.80% |
13.32% |
12.60% |
12.60% |
13.37% |
| |
m. Gross NPA to Gross Adv |
3.24% |
3.06% |
3.06% |
5.03% |
4.52% |
4.52% |
3.94% |
| |
n. Net NPA to Net Advance |
0.75% |
0.72% |
0.72% |
0.97% |
0.83% |
0.83% |
0.84% |
| |
o. Earning per Shares (Rs.) |
15.15 |
25.62 |
18.64 |
15.32 |
20.09 |
16.94 |
16.06 |
| |
p. Return on Assets |
1.21% |
1.80% |
1.42% |
1.39% |
1.83% |
1.54% |
1.42% |
| |
q. Return on Avg. Net Worth |
21.02% |
32.41% |
24.76% |
28.77% |
30.00% |
30.67% |
29.56% |
| |
r. Book Value per Share [Rs.] |
88.99 |
95.37 |
95.37 |
77.76 |
82.60 |
82.60 |
81.45 |
