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Rupees in Lacs

Particulars

Half Year Ended 31.03.2019

Audited

Half Year Ended 31.03.2018

Audited

Year Ended 31/03/2019

Audited

Year Ended 31/03/2018

Audited

1. Interest earned (a)+(b)+(c)+(d) 18,576.12 14,222.56 34,629.13 27,100.46
(a) Interest/disc. on advances/ bills 13,213.86 9,381.06 24,167.86 17,835.77
(b) Income on Investments 3,210.99 3,256.80 6,434.21 6,492.74

(c) Interest on balances with Reserve Bank of India and other inter bank funds

2,150.95 1,579.16 4,026.74 2,760.88
(d) Others 0.32 5.54 0.32 11.07
2. Other Income 1,774.93 1,264.48 3,130.67 2,286.11
3. Total Income (1+2) 20,351.05 15,487.04 37,759.80 29,386.57
4. Interest Expended 11,280.40 8,617.82 21,115.11 16,648.66
5. Operating Expenses (i)+(ii) 7,236.35 5,182.42 13,216.99 9,468.38
(i) Employees cost 3,684.67 2,474.80 6,528.33 4,592.34
(ii) Other operating expenses 3,551.68 2,707.62 6,688.66 4,876.04
- Rent,taxes and lighting 1,152.67 741.97 2,153.37 1,394.38
- Others 2,399.01 1,965.65 4,535.29 3,481.66
6. Total Expenditure ((4+5) excluding provisions and contingencies) 18,516.75 13,800.24 34,332.10 26,117.04
7. OPERATING PROFIT (3-6) (Profit before Provisions and Contingencies) 1,834.30 1,686.80 3,427.70 3,269.53
8. Provisions (other than tax) and Contingencies (103.36) 118.05 735.25 298.04
9. Exceptional items - - - -
10. Profit (+)/ Loss (-) from Ordinary Activities before tax (7-8-9) 1,937.66 1,568.75 2,692.45 2,971.49
11. Tax Expense 558.13 584.01 751.04 1,069.47
12. Net Profit(+)/Loss(-) from Ordinary Activities after tax (10-11) 1,379.53 984.74 1,941.41 1,902.02
13. Extraordinary items (net of tax expense) - - - -
14. Net Profit (+)/ Loss (-) for the period (12-13) 1,379.53 984.74 1,941.41 1,902.02
15. Paid-up equity share capital (Face Value of Rs 10/- each) 2,848.07 2,848.07 2,848.07 2,848.07
16. Reserves excluding Revaluation Reserves 22,184.12 20,510.29 22,184.12 20,510.29
17. Analytical Ratios        
(i)Percentage of shares held by Government of India Nil Nil Nil Nil
(ii) Capital Adequacy Ratio 17.47% 19.66% 17.47% 19.66%
(iii) Earnings Per share (EPS) (in Rs.)        
(a) Basic EPS before & after extraordinary items(net of tax expense) 9.69 6.92 6.82 6.86
(b) Diluted EPS before & after extraordinary items(net of tax expense) 9.69 6.92 6.82 6.86
(iv) NPA Ratios        
(a) Amount of Gross Non Performing Assets 3,395.56 2,112.86 3,395.56 2,112.86
(b) Amount of Net Non Performing Assets 2,422.04 1,543.14 2,422.04 1,543.14
(c) % of Gross NPAs to gross Advances 1.30% 1.14% 1.30% 1.14%
(d) % of Net NPAs to Net Advances 0.93% 0.84% 0.93% 0.84%
(v) Return on Assets (annualized) 0.69% 0.63% 0.51% 0.64%
18. Working        
Advances 260,878.05 185,298.83 260,878.05 185,298.83
Deposits 366,725.80 285,052.00 366,725.80 285,052.00
Total Working 627,603.85 470,350.83 627,603.85 470,350.83
Net Worth 24,846.90 23,272.79 24,846.90 23,272.79
19. Branches 129 101 129 101
Rural 58 50 58 50
Semi Urban 42 33 42 33
Urban 20 12 20 12
Metro Politan 9 6 9 6

 


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