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Rupees in Lacs

 

Particulars

Half Year Ended 30.09.2018

 Half Year Ended 30.09.2017

Year Ended 31.03.2018

1. Interest earned (a)+(b)+(c)+(d) 16,053.01 12,877.90 27,100.46
(a) Interest/disc. on advances/ bills 10,954.00 8,454.71 17,835.77
(b) Income on investments 3,223.22 3,235.94 6,492.74
(c) Interest on balances with Reserve Bank of India and other inter-bank funds 1,875.79 1,181.72 2,760.88
(d) Others - 5.53 11.07
2. Other Income 1,355.74 1,021.63 2,286.11
3. Total Income (1+2) 17,408.75 13,899.53 29,386.57
4. Interest Expended 9,834.71 8,030.84 16,648.66
5. Operating Expenses (i)+(ii) 5,980.64 4,285.96 9,468.38
(i) Employees cost 2,843.66 2,117.54 4,592.34
(ii) Other operating expenses 3,136.98 2,168.42 4,876.04
- Rent, taxes and lightning 1,000.70 652.41 1,394.38
- Others 2,136.28 1,516.01 3,481.66
6. Total Expenditure ((4+5) excluding provisions and contingencies) 15,815.35 12,316.80 26,117.04
7. OPERATING PROFIT (3-6) (Profit before provisions and contingencies) 1,593.40 1,582.73 3,269.53
8. Provisions (other than tax) and Contingencies 838.61 179.99 298.04
9. Exceptional items - - -
10. Profit (+)/ Loss (-) from Ordinary Activities before tax (7-8-9) 754.79 1,402.74 2,971.49
11. Tax expense 192.91 485.46 1069.47
12. Net Profit(+)/ Loss(-) from Ordinary Activities after Tax (10-11) 561.88 917.28 1,902.02
13. Extraordinary items (net of tax expense) - - -
14. Net Profit (+)/Loss (-) for the period (12-13) 561.88 917.28 1,902.02
15. Paid-up equity share capital (Face Value 0f Rs10/- each) 2,848.07 2,848.07 2,848.07
16. Reserves excluding Revaluation Reserves 20757.21 19,525.55 20,510.29
17. Analytical Ratios
(i) Percentage of shares held by Goverment of India Nil Nil Nil
(ii) Capital Adequacy Ratio 17.69 % 22.70 % 19.66 %
(iii) Earnings Per Share (EPS) (in Rs)
(a) Basic EPS before & after extraordinary items(net of tax expense)-not annualized 1.97 3.40 6.86
(b) Diluted EPS before & after extraordinary items(net of tax expense)-not annualized 1.97 3.40 6.86
(iv) NPA Ratios
(a) Amount of Gross  Non Performing Assets 3,269.64 1,910.71 2,112.86
(b) Amount of Net Non Performing Assets 2,419.96 1,374.35 1,543.14
(c) % of Gross NPAs to Gross Advances 1.47 % 1.20 % 1.14 %
(d) % of Net NPAs to Net Advances 1.09 % 0.86 % 0.84 %
(v) Return on Assets (annualized) 0.32 % 0.65 % 0.64 %
18. Working
Advances 222,731.22 159,559.12 185,298.83
Deposits 323,143.59 256,693.49 285,052.00
Total Business (Deposits + Advances) 545,874.81 416,252.61 470,350.83
Balance Sheet Size 379,653.09 293,535.97 335,183.20
Investments 80,888.35 85,865.34 87,073.21
19. Branches
Rural 50 37 50
Semi Urban 38 28 33
Urban 20 9 12
Metro Politan 8 4 6
Total 116 78 101


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