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|
PARTICULARS |
Quarter Ended 30-06-2006 (Reviewed)
|
Quarter Ended 30-06-2005 (Reviewed)
|
Year Ended ( Audited) 31-03-2006
|
1. |
Interest Earned (a) + (b) + (c) +(d) |
103904.93
|
88191.28 |
376724.37 |
(a) |
Interest/discount on advances/bills |
64407.74 |
48559.93 |
219139.32 |
(b) |
Income on investments |
35776.62 |
38010.85 |
148842.53 |
(c) |
Interest on balances with Reserve Bank of India and
other inter bank funds |
2815.99 |
1584.17 |
7039.54 |
(d) |
Others |
904.58 |
36.33 |
1702.98 |
2. |
Other Income |
8135.15 |
12223.86 |
60668.84 |
A. |
TOTAL INCOME (1)+(2) |
112040.08 |
100415.14 |
437393.21 |
3. |
Interest Expended |
64808.82 |
52221.00 |
218979.63 |
4. |
Operating Expenses (e) + (f) |
26488.26 |
29688.67 |
115998.72 |
(e) |
Payments to and provisions for employees |
15181.86 |
19002.64 |
68109.83 |
(f) |
Other operating expenses |
11306.40 |
10686.03 |
47888.89 |
B |
TOTAL EXPENDITURE (3) +
(4) (excluding Provisions and Contingencies) |
91297.08 |
81909.67 |
334978.35 |
C. |
OPERATING PROFIT (A - B)
(Profit before Provisions and Contingencies) |
20743.00 |
18505.47 |
102414.86 |
D. |
Provisions and Contingencies |
16244.29 |
1251.81 |
26929.83 |
| |
---Of which Provisions for non-performing assets |
1000.00 |
1000.00 |
7680.00 |
E. |
Provision for Taxes
|
-8325.86 |
955.45 |
4872.48 |
F. |
Net Profit (C - D - E) |
12824.57 |
16298.21 |
70612.55 |
5. |
Paid-up equity share capital |
44670.00 |
34670.00 |
44670.00 |
6. |
Reserves excluding revaluation reserves (as per
balance sheet of previous accounting year) |
260308.26 |
138069.70 |
260308.26 |
7. |
Analytical Ratios |
|
|
|
(i) |
Percentage of shares held by Government of India
(%) |
55.23 |
55.23 |
55.23 |
(ii) |
Capital Adequacy Ratio (%) |
12.24 |
13.80 |
13.37 |
(iii) |
Earning per share (Rs.)
|
2.87* |
3.90* |
16.06 |
(iv) |
(a)
Amount of Gross Non-performing assets |
120615.00 |
124934.00 |
118383.00 |
| |
(b)
Amount of Net Non-performing assets |
25885.00 |
21992.00 |
24609.00 |
| |
(c ) Percentage of Gross NPAs |
3.67 |
5.37 |
3.94 |
| |
(d) Percentage of Net NPAs |
0.81 |
0.99 |
0.84 |
(v) |
Return on Assets (annualised) |
0.99 |
1.37 |
1.42 |
8. |
Aggregate
of Non-promoter share holding |
|
|
|
| |
-- Number of shares |
200000000 |
200000000 |
200000000 |
| |
--Percentage of share holding |
44.77 |
44.77 |
44.77 |
9 |
No of investor complaints |
|
|
|
| |
------received |
329 |
1911 |
4492 |
| |
----- disposed off |
329 |
1911 |
4490 |
| |
-----lying unresolved |
NIL |
NIL |
2 |
| |
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|
(O. N.
Singh)
Chairman & Managing Director
|
(S. K.
Goel)
Executive Director
|
(Dr. K.
P. Krishnan) Director
|
|
|
|
(M. M. Neogy)
General Manager
(Finance & Accounts)
In terms of our review report of even date |
For T.
K. Ghose & Co. Chartered Accounts
|
For Ramesh
C. Agrawal & Co.
Chartered Accounts |
for Prakash
& Santosh Chartered Accountants
|
|
|
|
|
|
(S. K. Gupta)
Partner M No. 13413 |
(R. C. Agrawal)
Partner M. No 70229 |
(K. K.
Maheshwari) Partner M. No. - 78903 |
For N.
Chaudhuri & Co. Chartered Accountants
|
|
For Dhamija
Sukhija & Co. Chartered Accountants
|
(D Dasgupta)
Partner M No. - 56037
|
|
(Reena Sukhija)
Partner M No. - 81977
|
Place
Kolkata
Date - July 29, 2006 |
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