| (Rs. In lakh) |
| PARTICULARS |
Quarter Ended (Audited) |
Year Ended (Audited) |
Year Ended (Audited) (Consolidated) |
| 31.03.2010 |
31.03.2009 |
31.03.2010 |
31.03.2009 |
31.03.2010 |
31.03.2009 |
| 1. |
Interest Earned
(a) + (b) + (c) +(d) |
220656.91 |
191510.54 |
836920.01 |
736472.79 |
837195.00 |
736481.00 |
| (a) |
Interest/discount on
advances/bills |
166367.37 |
144522.15 |
639846.54 |
549438.81 |
639791.00 |
549447.00 |
| (b) |
Income on investments |
53866.91 |
46637.04 |
194476.17 |
184935.70 |
194655.00 |
184936.00 |
| (c) |
Interest on balances with
Reserve Bank of India and
other inter bank funds |
418.86 |
358.33 |
2517.37 |
1074.15 |
2517.00 |
1074.00 |
| (d) |
Others |
3.77 |
(6.98) |
79.93 |
1024.13 |
232.00 |
1024.00 |
| 2. |
Other Income |
40203.36 |
45826.90 |
151590.24 |
114192.43 |
154071.00 |
116370.00 |
| 3 |
TOTAL INCOME (1+2) |
260860.27 |
237337.44 |
988510.25 |
850665.22 |
991266.00 |
852851.00 |
| 4 |
Interest Expended |
146396.63 |
132259.99 |
571872.09 |
520606.13 |
571816.00 |
520587.00 |
| 5 |
Operating Expenses(i) + (ii) |
48668.68 |
43662.61 |
161783.16 |
139943.84 |
162094.00 |
140012.00 |
| (i) |
Employee Cost |
30571.80 |
27217.23 |
101137.92 |
87393.84 |
101229.00 |
87428.00 |
| (ii) |
Other operating expenses
(All items exceeding 10%
of the total expenditure excluding
interest expenditure may be
shown separately) |
18096.88 |
16445.38 |
60645.24 |
52550.00 |
60865.00 |
52584.00 |
| 6 |
Total Expenditure (4+5)
excluding provisions
and contigencies |
195065.31 |
175922.60 |
733655.25 |
660549.97 |
733910.00 |
660599.00 |
| 7 |
Operating Profit before Provisions
and contigencies (3-6) |
65794.96 |
61414.84 |
254855.00 |
190115.25 |
257356.00 |
192252.00 |
| 8 |
Provisions ( other than tax)
and contigencies |
29715.57 |
25365.22 |
77692.83 |
82538.21 |
77732.54 |
82367.77 |
| 9 |
Exceptional Items |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 10 |
Profit (+)/ Loss (-) from
Ordinary Activities before tax (7-8-9) |
36079.39 |
36049.62 |
177162.17 |
107577.04 |
179623.46 |
109884.23 |
| 11 |
Tax Expense |
13628.70 |
9641.11 |
56529.46 |
30717.23 |
56777.46 |
30837.23 |
| 12 |
Net Profit(+) / Loss (-) from
Ordinary Activities after tax(10-11) |
22450.69 |
26408.51 |
120632.71 |
76859.81 |
122846.00 |
79047.00 |
| 13 |
Extraordinary Items (net
of tax expense) |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| 14 |
Net Profit (+) / Loss (-)
for the period (12-13) |
22450.69 |
26408.51 |
120632.71 |
76859.81 |
122846.00 |
79047.00 |
| 15 |
Paid-up equity share capital
(Face Value of share is Rs10.00) |
44670.00 |
44670.00 |
44670.00 |
44670.00 |
44670.00 |
44670.00 |
| 16 |
Reserves excluding revaluation
reserves (as per balance sheet of
previous accounting year) |
543756.37 |
453187.88 |
543756.37 |
453187.88 |
564858.00 |
459903.00 |
| 17 |
Analytical Ratios |
|
|
|
|
|
|
| (i) |
Percentage of shares held
by Government of India |
55.23 |
55.23 |
55.23 |
55.23 |
55.23 |
55.23 |
| (ii) |
Capital Adequacy Ratio (%)
(As per Basel- II) |
13.62 |
13.11 |
13.62 |
13.11 |
13.86 |
13.30 |
| (iii) |
Earning per share (Rs.)**
a. Basic and diluted EPS before
Extraordinary Items (net of tax
expense) for the period, for the
year to date and for the
previous year (not annualised) |
5.03 |
5.91 |
27.01 |
17.21 |
27.50 |
17.70 |
b. Basic and diluted EPS after
Extraordinary Items for the period,
for the year to date and for the
previous year (not annualised) |
5.03 |
5.91 |
27.01 |
17.21 |
27.50 |
17.70 |
| (iv) |
NPA Ratios
a) (i) Gross NPA |
122180.30 |
107824.47 |
122180.30 |
107824.47 |
122180.30 |
107824.47 |
| (ii) Net NPA |
47015.12 |
42211.25 |
47015.12 |
42211.25 |
47015.12 |
42211.25 |
| (b) (i) % of Gross NPA |
1.69 |
1.81 |
1.69 |
1.81 |
1.69 |
1.81 |
| (ii) % Net NPA |
0.66 |
0.72 |
0.66 |
0.72 |
0.66 |
0.72 |
| |
(c) Return on Assets |
1.16 |
0.90 |
1.16 |
0.90 |
1.16 |
0.90 |
| 18 |
Public Shareholding |
| -- Number of shares |
200000000 |
200000000 |
200000000 |
200000000 |
200000000 |
200000000 |
| --Percentage of share holding |
44.77 |
44.77 |
44.77 |
44.77 |
44.77 |
44.77 |
| 19 |
Promoters and promoter
group Shareholding |
246700000 |
246700000 |
246700000 |
246700000 |
246700000 |
246700000 |
| a) |
Pledged/Encumbered |
|
|
|
|
|
|
| |
- Number of Shares |
NIL |
NIL |
NIL |
NIL |
NIL |
NIL |
| |
-Percentage of share (as a %
of the total shareholding of
promoter and promoter group) |
NIL |
NIL |
NIL |
NIL |
NIL |
NIL |
| |
-Percentage of share (as a %
of the total share capital of the
company) |
NIL |
NIL |
NIL |
NIL |
NIL |
NIL |
| b) |
Non-encumbered |
|
|
|
|
|
|
| |
- No of Shares |
246700000 |
246700000 |
246700000 |
246700000 |
246700000 |
246700000 |
| |
-Percentage of share (as a
% of the total shareholding
of promoter and promoter group) |
100.00 |
100.00 |
100.00 |
100.00 |
100.00 |
100.00 |
| |
-Percentage of share (as a
% of the total share capital
of the company) |
55.23 |
55.23 |
55.23 |
55.23 |
55.23 |
55.23 |
| |
Items of other operating Expenses Exceeded 10%
of total expenditure excluding interest expenditure |
| |
Rent, Taxes and Lighting |
5677.74 |
|
17654.38 |
|
17654.00 |
|
|
DIRECTORS |
|
(J. P. Dua)
Chairman & Managing Director |
|
(D. K. Kapila)
Director |
|
|
|
(D.Sarkar)
Executive Director
|
|
(M.R. Nayak)
Executive Director
|
|
|
|
(A. B. Bhattacharjee)
General Manager
(Finance & Accounts)
|
|
(S.L.JAIN)
Asst.General Manager
(Finance & Accounts)
|
|
|
|
In terms of our report of even date |
|
|
|
For Venkat & Rangaa
Chartered Accountants |
For Sudit K. Parekh & Co
Chartered Accountants |
For P. A. & Associates
Chartered Accountants |
|
|
|
(S. Manisekaran)
Partner
Membership No. - 26400
Firm ICAI Regn No:004597S
|
(Srikant Jilla)
Partner
Membership No. - 39461
Firm ICAI Regn No:110512W
|
(P.S.Panda)
Partner
Membership No. - 51092
Firm ICAI Regn No:313085E
|
|
|
|
For M. R. Narain & Co.
Chartered Accountants |
For S. Ghose & Co.
Chartered Accountants |
For K. M. Agarwal & Co.
Chartered Accountants |
|
|
|
(M.N.Venkatesan)
Partner
Membership No. - 22993
Firm ICAI Regn No:002330S
|
(Chandan Chattopadhay)
Partner
Membership No. - 51254
Firm ICAI Regn No:302184E
|
(Meenakshi Gupta)
Partner
Membership No. - 92834
Firm ICAI Regn No:0853N
|
| |
|
|
Place : Kolkata
Date : 30 April, 2010
|
|
|
