| Rs/crore |
| Sl. No. |
Highlights
|
Jun-09 |
Sep-09 |
Sep-09 |
Jun-08 |
Sep-08 |
Sep-08 |
Mar-09 |
| Quarter |
Quarter |
Half Year |
Quarter |
Quarter |
Half Year |
Full Year |
| 1. |
Capital |
446.70 |
446.70 |
446.70 |
446.70 |
446.70 |
446.70 |
446.70 |
| 2. |
Reserves |
5706.37 |
6038.78 |
6038.78 |
4863.79 |
4904.23 |
4904.23 |
5405.25 |
| 3. |
Net Worth (excl. Revaluation Reserve) |
5280.87 |
5614.46 |
5614.46 |
4433.42 |
4475.11 |
4475.11 |
4978.58 |
4.
|
Deposits |
89401.23 |
87308.95 |
87308.95 |
73206.52 |
73648.46 |
73648.46 |
84971.79 |
| % Growth |
22.12% |
18.55% |
18.55% |
16.54% |
11.76% |
11.76% |
18.65% |
5.
|
Working Funds |
105170.14 |
102157.12 |
102157.12 |
85331.54 |
84204.84 |
84204.84 |
97648.01 |
| % Growth |
23.25% |
21.32% |
21.32% |
19.37% |
11.08% |
11.08% |
17.73% |
6.
|
Advances (Gross) |
61002.24 |
60794.06 |
60794.06 |
50244.25 |
51715.16 |
51715.16 |
59443.40 |
| % Growth |
21.41% |
17.56% |
17.56% |
23.88% |
21.51% |
21.51% |
18.15% |
| 7. |
Advances (Net) |
60137.77 |
59868.21 |
59868.21 |
49691.51 |
51164.64 |
51164.64 |
58801.76 |
8.
|
Investments (Gross) |
35286.41 |
30479.64 |
30479.64 |
24974.05 |
22718.19 |
22718.19 |
30081.35 |
| % Growth |
41.29% |
34.16% |
34.16% |
16.06% |
-9.58% |
-9.58% |
26.81% |
9.
|
Interest Earned on |
|
|
|
|
|
|
|
| a. Advances |
1558.24 |
1581.03 |
3139.27 |
1241.33 |
1356.65 |
2597.98 |
5494.39 |
| b. Investments |
442.49 |
458.91 |
901.40 |
461.35 |
479.33 |
940.68 |
1849.36 |
| c. CRR/Inter Bank Lending |
7.46 |
5.99 |
13.45 |
2.94 |
3.05 |
5.99 |
10.74 |
| d. Others |
0.00 |
0.76 |
0.76 |
0.00 |
6.93 |
6.93 |
10.24 |
| Total Interest Earned |
2008.19 |
2046.69 |
4054.88 |
1705.62 |
1845.96 |
3551.58 |
7364.73 |
| % Growth |
17.74% |
10.87% |
14.17% |
20.68% |
22.37% |
21.55% |
19.34% |
10.
|
Other Income |
|
|
|
|
|
|
|
| a. Commission & Exchange |
146.51 |
181.95 |
328.46 |
107.26 |
91.20 |
198.46 |
523.78 |
| b Investment Trading Profit |
214.04 |
168.28 |
382.32 |
32.17 |
7.68 |
39.85 |
572.70 |
| c. Others |
8.96 |
54.60 |
63.56 |
4.58 |
32.35 |
36.93 |
45.44 |
| Total Other Income |
369.51 |
404.83 |
774.34 |
144.01 |
131.23 |
275.24 |
1141.92 |
| % Growth |
156.59% |
208.49% |
181.33% |
18.20% |
-15.73% |
-0.84% |
18.36% |
11.
|
Total Income |
2377.70 |
2451.52 |
4829.22 |
1849.63 |
1977.19 |
3826.82 |
8506.65 |
| % Growth |
28.55% |
23.99% |
26.19% |
20.49% |
18.80% |
19.61% |
19.21% |
12.
|
Interest Paid on |
|
|
|
|
|
|
|
| a. Deposits |
1297.90 |
1351.78 |
2649.68 |
1168.25 |
1256.00 |
2424.25 |
4885.59 |
| b. Borrowings |
81.23 |
91.66 |
172.89 |
68.86 |
96.44 |
165.30 |
320.47 |
| Total Interest Paid |
1379.13 |
1443.44 |
2822.57 |
1237.11 |
1352.44 |
2589.55 |
5206.06 |
| % Growth |
11.48% |
6.73% |
9.00% |
25.04% |
23.64% |
24.31% |
15.72% |
| 13. |
Establishment Expenses |
272.08 |
224.23 |
496.31 |
190.23 |
181.51 |
371.74 |
873.94 |
| 14. |
Other Operating Expenses |
135.86 |
134.01 |
269.87 |
115.56 |
129.03 |
244.59 |
525.50 |
15.
|
Total Expenses |
1787.07 |
1801.68 |
3588.75 |
1542.90 |
1662.98 |
3205.88 |
6605.50 |
| % Growth |
15.83% |
8.34% |
11.94% |
23.80% |
21.85% |
22.79% |
16.78% |
16.
|
Operating Profit |
590.63 |
649.84 |
1240.47 |
306.73 |
314.21 |
620.94 |
1901.15 |
| % Growth |
92.56% |
106.82% |
99.77% |
6.18% |
4.89% |
5.53% |
28.50% |
| 17. |
Provisions |
287.77 |
316.25 |
604.02 |
213.37 |
272.53 |
485.90 |
1132.55 |
18.
|
Net Profit |
302.86 |
333.59 |
636.45 |
93.36 |
41.68 |
135.04 |
768.60 |
| % Growth |
224.40% |
700.36% |
371.30% |
-53.41% |
-82.62% |
-69.32% |
-21.15% |
19.
|
Spread |
629.06 |
603.25 |
1232.31 |
468.51 |
493.52 |
962.03 |
2158.67 |
| % Growth |
34.27% |
22.23% |
28.09% |
10.52% |
19.01% |
14.72% |
29.08% |
20
|
Provisions |
287.77 |
316.25 |
604.02 |
213.37 |
272.53 |
485.90 |
1132.55 |
| a) N P A |
251.00 |
170.66 |
421.66 |
-55.10 |
110.1 |
55.00 |
313.23 |
| b) Depreciation on Investment |
-214.68 |
17.67 |
-197.01 |
264.08 |
138.45 |
402.53 |
357.49 |
| c) Standard Advance |
1.46 |
0.22 |
1.68 |
2.58 |
17.34 |
19.92 |
20.01 |
| d) I R S |
0.00 |
0.00 |
0.00 |
0 |
0 |
0.00 |
78.09 |
| e) Income Tax |
248.13 |
122.40 |
370.53 |
11.12 |
6.02 |
17.14 |
307.17 |
| f) Others |
1.86 |
5.30 |
7.16 |
-9.31 |
0.62 |
-8.69 |
56.56 |
21.
|
Business Growth over previous year |
|
|
|
|
|
|
|
| a. Deposits |
22.12% |
18.55% |
18.55% |
16.54% |
11.76% |
11.76% |
18.65% |
| b. Advances |
21.41% |
17.56% |
17.56% |
23.88% |
21.51% |
21.51% |
18.15% |
| c. Investments |
41.29% |
34.16% |
34.16% |
16.06% |
-9.58% |
-9.58% |
26.81% |
22.
|
Ratios: |
|
|
|
|
|
|
|
| a. Yield on Advances |
10.86% |
10.84% |
10.85% |
10.57% |
11.03% |
10.80% |
10.88% |
| b. Yield on Investments |
6.78% |
7.10% |
6.94% |
7.43% |
7.85% |
7.64% |
7.57% |
| c. Yield on Fund |
8.85% |
8.92% |
8.89% |
9.33% |
10.10% |
9.72% |
9.62% |
| d. Cost of Deposits |
6.08% |
6.30% |
6.19% |
6.55% |
6.90% |
6.73% |
6.62% |
| e. Cost of Borrowings |
8.16% |
8.01% |
8.08% |
6.00% |
8.27% |
7.14% |
7.51% |
| f. Cost of fund |
6.17% |
6.39% |
6.28% |
6.52% |
6.98% |
6.75% |
6.67% |
| g. Estt. Exp to Total Exp |
15.22% |
12.45% |
13.83% |
12.33% |
10.91% |
11.60% |
13.23% |
| h. Other Op. Exp to Total Exp |
7.60% |
7.44% |
7.52% |
7.49% |
7.76% |
7.63% |
7.96% |
| i. Operating Exp to AWF |
1.65% |
1.43% |
1.54% |
1.49% |
1.49% |
1.49% |
1.65% |
| j. Operating Profit to AWF |
2.39% |
2.59% |
2.49% |
1.49% |
1.51% |
1.50% |
2.24% |
| k. Net Interest Margin |
3.00% |
2.84% |
2.92% |
2.60% |
2.70% |
2.65% |
2.88% |
| l. Capital Adequacy Ratio |
12.54% |
14.90% |
14.90% |
11.68% |
11.46% |
11.46% |
13.11% |
| m. Gross NPA to Gross Adv |
1.79% |
1.78% |
1.78% |
1.87% |
1.93% |
1.93% |
1.81% |
| n. Net NPA to Net Advance |
0.37% |
0.35% |
0.35% |
0.75% |
0.85% |
0.85% |
0.72% |
| o. Earning per Shares (Rs.) |
6.78 |
7.47 |
14.25 |
2.09 |
0.93 |
3.02 |
17.21 |
| p. Return on Assets -Annualised |
1.22% |
1.33% |
1.28% |
0.45% |
0.20% |
0.33% |
0.90% |
| q. Return on Avg. Net Worth - Annualised |
23.62% |
24.49% |
24.03% |
8.51% |
3.74% |
6.13% |
16.49% |
| r. Book Value per Share [Rs] |
137.75 |
145.19 |
145.19 |
118.88 |
119.79 |
119.79 |
131.00 |
AWF = Average Working Fund
