Rupees in Crores
Particulars | Half Year Ended 30.09.2019 |
Half Year Ended 30.09.2018 |
Year Ended 31.03.2019 |
Year Ended 31.03.2018 |
---|---|---|---|---|
A. Break-up of Income and Expenditure | ||||
1. Interest earned (a)+(b)+(c)+(d) | 215.38 | 160.53 | 346.29 | 271.00 |
(a) Interest/disc. on advances/ bills | 153.86 | 109.54 | 241.68 | 178.36 |
(b) Income on investments | 35.54 | 32.23 | 64.34 | 64.93 |
(c) Interest on balances with Reserve Bank of India and other inter-bank funds | 25.98 | 18.76 | 40.27 | 27.61 |
(d) Others | - | - | 0.00 | 0.11 |
2. Other Income | 21.22 | 13.56 | 31.31 | 22.86 |
3. Total Income (1+2) | 236.60 | 174.09 | 377.60 | 293.87 |
4. Interest Expended | 135.30 | 98.35 | 211.15 | 166.49 |
5. Operating Expenses (i)+(ii) | 76.31 | 59.81 | 132.17 | 94.69 |
(i) Employees cost | 38.39 | 28.44 | 65.28 | 45.93 |
(ii) Other operating expenses | 37.92 | 31.37 | 66.89 | 48.76 |
- Rent, Taxes and Lighting | 12.62 | 10.01 | 21.53 | 13.94 |
- Others | 25.30 | 21.36 | 45.35 | 34.82 |
6. Total Expenditure ((4+5) excluding provisions and contingencies) | 211.61 | 158.15 | 343.32 | 261.18 |
7. Operating Profit (3-6) (Profit before provisions and contingencies) | 24.99 | 15.94 | 34.28 | 32.69 |
8. Provisions (other than tax) and Contingencies | 7.25 | 8.39 | 7.35 | 2.98 |
9. Exceptional items | - | - | - | - |
10. Profit (+)/ Loss (-) from Ordinary Activities before tax (7-8-9) | 17.74 | 7.55 | 26.92 | 29.71 |
11. Tax Expense | 4.75 | 1.93 | 7.51 | 10.69 |
12. Net Profit(+)/ Loss(-) from Ordinary Activities after Tax (10-11) | 12.99 | 5.62 | 19.41 | 19.02 |
13. Extraordinary items (net of tax expense) | - | - | - | - |
14. Net Profit (+)/Loss (-) for the period (12-13) | 12.99 | 5.62 | 19.41 | 19.02 |
15. Paid-up equity share capital (Face Value 0f Rs10/- each) | 30.09 | 28.48 | 28.48 | 28.48 |
16. Reserves excluding Revaluation Reserves | 272.30 | 207.57 | 221.84 | 205.10 |
17. Analytical Ratios | ||||
(i) Percentage of shares held by Goverment of India | Nil | Nil | Nil | Nil |
(ii) Capital Adequacy Ratio | 17.57 % | 17.69 % | 17.47 % | 19.66 % |
(iii) Earnings Per Share (EPS) (in Rs) | ||||
(a) Basic EPS before & after extraordinary items(net of tax expense)-not annualized | 4.43 | 1.97 | 6.82 | 6.86 |
(b) Diluted EPS before & after extraordinary items(net of tax expense)-not annualized | 4.42 | 1.97 | 6.82 | 6.86 |
(iv) NPA Ratios | ||||
(a) Amount of Gross Non Performing Assets | 56.18 | 32.70 | 33.96 | 21.13 |
(b) Amount of Net Non Performing Assets | 40.72 | 24.20 | 24.22 | 15.43 |
(c) % of Gross NPAs to Gross Advances | 1.85 % | 1.47 % | 1.30 % | 1.14 % |
(d) % of Net NPAs to Net Advances | 1.35 % | 1.09 % | 0.93 % | 0.84 % |
(v) Return on Assets (Annualized) | 0.57 % | 0.32 % | 0.51 % | 0.64 % |
B. Working | ||||
Deposits | 4,107.00 | 3,231.44 | 3,667.26 | 1,852.99 |
Advances | 3,041.78 | 2,227.31 | 2,608.78 | 2,850.52 |
Total Working | 7,148.78 | 5,458.75 | 6,276.04 | 4,703.51 |
Net Worth | 299.90 | 234.76 | 248.47 | 232.73 |
C. Branch Network | ||||
Rural | 63 | 50 | 58 | 50 |
Semi Urban | 46 | 38 | 42 | 33 |
Urban | 29 | 20 | 20 | 12 |
Metro Politan | 12 | 8 | 9 | 6 |
Total | 150 | 116 | 129 | 101 |