| (Rs
in Crore) |
|
|
Mar-04 |
Mar-05 |
Mar-06 |
| |
|
|
|
|
1 |
Capital |
346.70 |
346.70 |
446.70 |
2 |
Reserves |
1205.23 |
1980.95 |
3191.83 |
3 |
Net Worth (excl Reval. Reserve) |
1320.80 |
1727.40 |
3049.78 |
4 |
Deposits |
31476.60 |
40762.07 |
48499.69 |
|
% Growth |
(23.62%) |
(29.50%) |
(18.98%) |
5 |
Working Funds |
34704.28 |
45144.93 |
55291.99 |
|
% Growth |
(23.72%) |
(30.08%) |
(22.48%) |
| 6 |
Advances (Gross) |
16387.66 |
22151.52 |
30061.22 |
| |
% Growth |
(21.51%) |
(35.17%) |
(35.71%) |
| 7 |
Advances (Net) |
15341.54 |
21150.82 |
29147.78 |
| 8 |
Investments (Gross) |
15600.09 |
19128.87 |
18315.67 |
| |
% Growth |
(25.04%) |
(22.62%) |
(-4.25%) |
| 9 |
Interest Earned on |
|
|
|
| a |
Advances |
1322.72 |
1682.58 |
2191.39 |
| b |
Investments |
1302.24 |
1462.10 |
1488.42 |
| c |
RBI Bal/Inter Bank Lending |
31.80 |
40.12 |
70.40 |
| d |
Others |
11.91 |
0.80 |
17.03 |
| |
Total Interest Earned |
2668.67 |
3185.60 |
3767.24 |
| |
% Growth |
(3.82%) |
(19.37%) |
(18.26%) |
| 10 |
Other Income |
|
|
|
| a |
Commission & Exchange |
205.07 |
227.52 |
287.24 |
| b |
Investment Trading Profit |
504.70 |
347.43 |
138.95 |
| c |
Others |
40.03 |
64.93 |
180.50 |
| |
Total Other Income |
749.80 |
639.88 |
606.69 |
| |
% Growth |
(42.99%) |
(-14.66%) |
(0.95%) |
| 11 |
Total Income |
3418.47 |
3825.48 |
4373.93 |
| |
% Growth |
(10.46%) |
(11.91%) |
(14.37%) |
| 12 |
Interest Paid on |
|
|
|
| a |
Deposits |
1540.80 |
1767.44 |
2115.54 |
| b |
Borrowings |
42.11 |
54.12 |
74.25 |
| |
Total Interest Paid |
1582.91 |
1821.56 |
2189.79 |
| |
% Growth |
(-4.68%) |
(15.08%) |
(20.22%) |
| 13 |
Establishment Expenses |
559.09 |
680.54 |
681.10 |
| 14 |
Other Operating Expenses |
400.22 |
389.59 |
478.89 |
| 15 |
Total Expenses |
2542.22 |
2891.69 |
3349.78 |
| |
% Growth |
(-1.42%) |
(13.75%) |
(15.84%) |
| 16 |
Operating Profit |
876.25 |
933.79 |
1024.15 |
| |
% Growth |
(69.87%) |
(6.57%) |
(9.67%) |
| 17 |
Provisions |
412.87 |
391.99 |
318.02 |
| 18 |
Net Profit |
463.38 |
541.80 |
706.13 |
| |
% Growth |
(179.16%) |
(16.92%) |
(30.33%) |
| 19 |
Spread |
1085.76 |
1364.04 |
1577.45 |
| |
% Growth |
(19.34%) |
(25.63%) |
(15.65%) |
| 20 |
Dividend Paid & Provisions for Dividend |
78.22 |
135.20 |
135.20 |
| |
Op. Profit without Trading Profit |
371.55 |
586.36 |
885.20 |
| |
Net Profit without Trading Profit |
(41.32) |
194.37 |
567.18 |
| 21 |
Business Growth over previous year |
|
|
|
| a |
Deposits |
23.62% |
29.50% |
18.98% |
| b |
Advances |
21.51% |
35.17% |
35.71% |
| c |
Investments |
25.04% |
22.62% |
-4.25% |
| 22 |
Ratios |
|
|
|
| a |
Yield on Advances |
9.35% |
8.96% |
8.75% |
| b |
Yield on Investments |
8.77% |
7.61% |
7.56% |
| c |
Yield on Funds |
8.92% |
8.25% |
8.01% |
| d |
Cost of Deposits |
5.63% |
5.00% |
4.97% |
| e |
Cost of Borrowings |
7.61% |
6.97% |
6.58% |
| f |
Cost of Funds |
5.67% |
5.04% |
5.01% |
| g |
Establishment Exp to Total Exp |
21.99% |
23.53% |
20.33% |
| h |
Other Op. Exp to Total Exp |
15.74% |
13.47% |
14.30% |
| i |
Operating Exp to AWF |
2.99% |
2.32% |
2.08% |
| j |
Operating Profit to AWF |
2.73% |
2.30% |
2.06% |
| k |
Avg Yield on Working Funds |
8.33% |
7.83% |
7.57% |
| l |
Avg Cost of Working Funds |
4.94% |
4.48% |
4.40% |
| m |
Spread to Avg Working Funds |
3.39% |
3.35% |
3.17% |
| n |
Capital Adequacy Ratio |
12.52% |
12.53% |
13.37% |
| o |
Gross NPA to Gross Advances |
8.66% |
5.80% |
3.94% |
| p |
Net NPA to Net Advance |
2.37% |
1.28% |
0.84% |
| q |
Earning per Shares (Rs.) |
13.37 |
15.63 |
16.06 |
| r |
Return on Assets |
1.45% |
1.33% |
1.42% |
| s |
Return on Avg. Net Worth |
41.03% |
35.55% |
29.56% |
| t |
Book Value per Share (Rs.) |
44.76 |
67.14 |
81.45 |
