| (Rs in Lac) |
| |
PARTICULARS |
Quarter Ended
30.09.2005 (Reviewed) |
Quarter Ended
30.09.2004 (Reviewed) |
Half Year Ended
30.09.2005 (Reviewed) |
Half Year Ended
30.09.2004 (Reviewed) |
Year Ended 31.03.2005
(Audited) |
| |
|
|
|
|
|
|
1. |
Interest Earned
(a) + (b) + (c) +(d) |
90183.65 |
80597.71 |
178374.94 |
153322.64 |
318559.88 |
| (a) |
Interest/discount on advances/bills |
50945.02 |
43050.80 |
99504.96 |
79915.09 |
168258.27 |
| (b) |
Income on investments |
37243.32 |
36584.37 |
75254.17 |
71537.14 |
146210.32 |
| (c) |
Interest on balances with Reserve Bank of India and other
inter bank funds |
1621.67 |
959.61 |
3205.84 |
1864.61 |
4011.44 |
| (d) |
Others |
373.64 |
2.93 |
409.97 |
5.80 |
79.85 |
| 2. |
Other Income |
16210.22 |
16553.00 |
28434.07 |
42530.83 |
63987.84 |
| A |
TOTAL INCOME (1)+(2) |
106393.87 |
97150.71 |
206809.01 |
195853.47 |
382547.72 |
| 3. |
Interest Expended |
53425.04 |
44260.02 |
105646.04 |
88160.34 |
182156.02 |
| 4. |
Operating Expenses (e) + (f) |
28827.47 |
23216.20 |
53984.14 |
46180.02 |
93130.19 |
| (e) |
Payments to and provisions for employees |
15720.00 |
13205.54 |
30190.64 |
28602.47 |
54170.63 |
| (f) |
Other operating expenses |
13107.47 |
10010.66 |
23793.50 |
17577.55 |
38959.56 |
| B |
TOTAL EXPENDITURE (3) + (4)
(excluding Provisions and Contingencies) |
82252.51 |
67476.22 |
159630.18 |
134340.36 |
275286.21 |
| C |
OPERATING PROFIT (A - B) (Profit before
Provisions and Contingencies) |
24141.36 |
29674.49 |
47178.83 |
61513.11 |
107261.51 |
| D |
Other Provisions and Contingencies |
5585.23 |
9337.11 |
11369.04 |
24710.68 |
47555.15 |
| -Of which Provision for NPA |
2280.00 |
(11000.00) |
3280.00 |
(4500.00) |
4000.00 |
| E |
Provision for taxes |
1721.75 |
3780.02 |
2677.20 |
6480.02 |
5526.92 |
| F |
Net Profit (C - D - E) |
16834.38 |
16557.36 |
33132.59 |
30322.41 |
54179.44 |
| 5. |
Paid-up equity share capital |
44670.00 |
34670.00 |
44670.00 |
34670.00 |
34670.00 |
| 6. |
Reserves excluding revaluation reserves (as per balance
sheet of previous accounting year) |
138069.70 |
97410.65 |
138069.70 |
97410.65 |
138069.70 |
| 7. |
Analytical Ratios |
55.23 |
71.16 |
55.23 |
71.16 |
71.16 |
| (i) |
Percentage of shares held by Government of India (%) |
| (ii) |
Capital Adequacy Ratio (%) |
13.32 |
12.74 |
13.32 |
12.74 |
12.53 |
| (iii) |
Earning per share (Rs.) |
*3.77 |
*4.78 |
*7.66 |
*8.75 |
15.63 |
| (iv) |
a) Amount of Gross Non Performing Assets |
126547.00 |
129545.00 |
126547.00 |
129545.00 |
128427.00 |
| |
b) Amount of Net Non Performing Assets |
23453.00 |
29979.00 |
23453.00 |
29979.00 |
27070.00 |
| |
c) Percentage of Gross NPAs |
5.03 |
6.70 |
5.03 |
6.70 |
5.80 |
| |
d) Percentage of Net NPAs |
0.97 |
1.64 |
0.97 |
1.64 |
1.28 |
| (v) |
Return on Assets (Annualised) |
1.36 |
1.66 |
1.34 |
1.52 |
1.20 |
| 8 |
Aggregate of non-Promoter Share holding |
|
|
|
|
|
| |
- No of Share holding |
200000000 |
100000000 |
200000000 |
100000000 |
100000000 |
| |
- Percentage of Share holding |
44.77 |
28.84 |
44.77 |
28.84 |
28.84 |
| 9 |
No of Investor Complaints |
|
|
|
|
|
| |
- received |
817 |
1830 |
2728 |
3323 |
5230 |
| |
- disposed off |
817 |
1830 |
2728 |
3323 |
5230 |
| |
- lying unresolved |
NIL |
NIL |
NIL |
NIL |
NIL |
|
DIRECTORS |
|
(O. N. Singh)
Chairman & Managing Director |
(S. K. Goel)
Executive Director |
(G Padmanabhan)
Director |
|
(Bikash Ghosh)
General Manager
(Finance & Accounts) |
|
| |
| In Terms of our review
report of even date |
For T. K. Ghose & Co.
Chartered Accountants |
For Ramesh C. Agarwal
& Co.
Chartared Accountants |
For Prakash & Santosh
Chartared Accountants |
| |
(D. K. Mitra)
Partner
M No.- 17334 |
(R. C. Agarwal)
Partner
M. No. - 70229 |
(P. M. Gupta)
Partner
M. No. - 16892 |
| |
For N. Chaudhuri & Co.
Chartared Accountants |
For Dhamija Sukhija &
Co.
Chartared Accountants |
| |
(A. K. Deb)
Partner
M. No. 51033 |
(K. M. Sukhija)
Partner
M. No. - 16942 |
| |
Place :
Kolkata
Date : 17th October 2005 |
|
