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Unaudited Financial Results for Nine Months ended 31st December,  2007

(Rs. In lakh)
PARTICULARS Quarter Ended 31.12.2007(Reviewed) Quarter Ended 31.12.2006(Reviewed) Nine Months Ended 31.12.2007(Reviewed) Nine Months Ended 31.12.2006(Reviewed) Year Ended(Audited) 31.03.2007
1 Interest Earned(a) + (b) + (c) +(d) 158348.98 130495.69 455965.72 348975.87 488386.28
(a) Interest/discount on advances/bills 112953.63 89951.87 322765.36 229202.70 324828.82
(b) Income on investments 44790.36 39405.40 129456.11 112991.73 153650.79
(c) Interest on balances with Reserve Bank of India and other inter bank funds 513.05 953.34 3615.47 5522.51 8634.83
(d) Others 91.94 185.08 128.78 1258.93 1271.84
2 Other Income 37292.08 9786.93 59615.09 25120.99 37640.21
3 TOTAL INCOME (1)+(2) 195641.06 140282.62 515580.81 374096.86 526026.49
4 Interest Expended 113821.39 82026.29 322142.05 222423.14 313311.77
5 Operating Expenses (i) + (ii) 29707.49 25652.22 82483.94 74003.80 102723.48
(i) Employee Cost 18002.56 15982.05 49438.63 44997.35 62071.68
(ii) Other operating expenses 11704.93 9670.17 33045.31 29006.45 40651.80
6 Total Expenditure (4+5) excluding provisions and contigencies 143528.88 107678.51 404625.99 296426.94 416035.25
7 Operating Profit before Provisions and contigencies (3-6) 52112.18 32604.11 110954.82 77669.92 109991.24
8 Provisions ( other than tax) and contigencies 12500.85 (837.36) 18134.76 13432.78 26452.84
9 Exceptional Items 0.00 0.00 0.00 0.00 0.00
10 Profit (+)/ Loss (-) from Ordinary Activities before tax (7-8-9) 39611.33 33441.47 92820.06 64237.14 83538.40
11 Tax Expenses 3106.28 4828.70 12296.53 1796.68 8524.27
12 Net Profit(+) / Loss (-) from Ordinary Activities after tax (10-11) 36505.05 28612.77 80523.53 62440.46 75014.13
13 Extraordinary Items (net of tax expenses) 0 0 0 0 0
14 Net Profit (+) / Loss (-) for the period (12-13) 36505.05 28612.77 80523.53 62440.46 75014.13
15 Paid-up equity share capital   (Face Value of the Share shall be indicated) 44670.00 44670.00 44670.00 44670.00 44760.00
16 Reserves excluding revaluation reserves (as per balance sheet of previous accounting year) 314664.16 260308.26 314664.16 260308.26 314664.16
17 Analytical Ratios               
(i) Percentage of shares held by Government of India 55.23 55.23 55.23 55.23 55.23
(ii) Capital Adequacy Ratio (%) 12.84 12.80 12.84 12.80 12.52
(iii) Earning per share (Rs.)**               
   a. Basic and diluted EPS before Extraordinary Items 8.17 6.41 18.03 13.98 16.79
    b. Basic and diluted EPS after Extraordinary Items 8.17 6.41 18.03 13.98 16.79
(iv) NPA Ratios 94425.00 118351.00 94425.00 118351.00 109359.00
  (a)(i) Gross NPA
      (ii) Net NPA 30384.00 27301.00 30384.00 27301.00 44019.00
  (b)(i) % of Gross NPA 2.06 3.06 2.06 3.06 2.61
  (ii) % Net NPA 0.67 0.72 0.67 0.72 1.07
  (c) Return on Assets 1.93 1.80 1.50 1.42 1.26
18 Public Shareholding           
  -- Number of shares 200000000 200000000 200000000 200000000 200000000
  --Percentage of share holding 44.77 44.77 44.77 44.77 44.77
Items of other operating Expenses Exceeded 10% of total expenditure excluding interest Expenditure Quarter Ended 31.12.2007 (Reviewed) Quarter Ended 31.12.2006(Reviewed) Nine Months Ended 31.12.2007(Reviewed) Nine Months Ended 31.12.2006 (Reviewed) Year Ended(Audited)31.03.2007
Rent, Taxes & Lighting 3071.10 2452.93 8777.18 7686.52 11165.57

** Not Annualised

Notes on Accounts as per Annexure
  DIRECTORS  
 (A. C. Mahajan)
Chairman & Managing
 Director		   (Ashok Jain)
Director
     
 (K. K. Agarwal)
Executive Director		    (J. P. Dua)
Executive Director
  
  (M. M. Neogy)
 General Manager
(Finance & Accounts)		  
  
In terms of our review report of even date
 
For M/S.Dhamija Sukhija & Co.
Chartered Accountants		 For M/S.N. Chaudhuri & Co.
Chartered Accountants		 For M/S. Rasool Singhal & Co.
Chartered Accountants
  
(Reena)
Partner
Membership No. - 81977		 (A. K. Deb)
Partner
Membership No. - 51033		 (Kaushal Kumar)
Partner
Membership No. - 11124
   
For M/S. Dass Gupta & Associates
Chartered Accountants		 For M/S. Anand Rungta & Co.
Chartered Accountants		 For M/S. K. S. Bothra & Co.
Chartered Accountants
     
(Naveen Gupta)
 Partner
 Membership No. - 93777		 (S. K. Shahi)
 Partner
Membership No. - 071510		 (M. K. Bothra)
 Partner
Membership No. - 51531

Place : Kolkata
Date : January 16,  2008

 

SEGMENTS-WISE RESULTS, ASSETS AND LIABILITIES
FOR NINE MONTHS ENDED 31-12-2007

Rs in Crore
Description Three months ended 31-12-2007 Three months ended 31-12-2006 Nine months ended 31-12-2007 Nine months ended 31-12-2006 Year ended 31-03-2007
PART-A Business Segment Reviewed Reviewed Reviewed Reviewed Audited
a) Segment Revenue          
I) Treasury Operations 201.37 115.24 481.92 336.75 423.43
ii) Other Banking Operations 1755.04 1287.59 4673.89 3404.22 4836.83
Total 1956.41 1402.83 5155.81 3740.97 5260.26
b) Segments Results          
I) Treasury Operations 81.52 30.65 148.78 106.27 128.77
ii) Other Banking Operations 490.29 316.81 1050.64 735.8 1097.03
Total 571.81 347.46 1199.42 842.07 1225.80
Unallocated Expenses 50.69 21.42 89.87 65.37 125.89
Operating Profit 521.12 326.04 1109.55 776.70 1099.91
Provisions & Contingencies 125.00 -8.37 181.34 134.33 264.53
Income Taxes 31.07 48.28 122.97 17.96 85.24
Net Profit 365.05 286.13 805.24 624.41 750.14
c) Other information          
I) Treasury Operations 7384.98 5102.18 7384.98 5102.18 5150.86
ii) Other Banking Operations 69627.18 59070.04 69627.18 59070.04 61456.55
iii) Unallocated Assets 1057.48 749.28 1057.48 749.28 1056.33
Total Assets 78069.64 64921.5 78069.64 64921.50 67663.74
Segment Liabilities          
I) Treasury Operations 6872.41 4760.02 6872.41 4760.02 4797.42
ii) Other Banking Operations 64794.58 55108.69 64794.58 55108.69 57239.59
iii) Unallocated Assets 1144.42 792.54 1144.42 792.54 1149.90
Total 72811.41 60661.25 72811.41 60661.25 63186.91
Capital & Reserves 5258.23 4260.25 5258.23 4260.25 4476.83
Total Liabilities 78069.64 64921.5 78069.64 64921.5 67663.74

 

Description Three months ended 31-12-2007 Three months ended 31-12-2006 Nine months ended 31-12-2007 Nine months ended 31-12-2006 Year ended 31-03-2007
Part- B Geographic Segment  Reviewed Reviewed Reviewed Reviewed Audited
a. Revenue          
I. Domestic 1952.47 1402.83 5150.18 3740.97 5260.26
ii. International 3.94 0 5.63 0 0
Total 1956.41 1402.83 5155.81 3740.97 5260.26
b. Assets          
a. Revenue          
I. Domestic 77812.97 64921.5 77812.97 64921.50 67654.69
ii. International 256.67 0 256.67 0 9.05
Total 78069.64 64921.5 78069.64 64921.5 67663.74

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