Financial Results 2009

Reviewed Financial Results for the Quarter/Half-year ended 30th September, 2009

(Rs.in Lakh)
Particulars	Quarter Ended		Half Year Ended		Year Ended
	30.09.2009	30.09.2008	30.09.2009	30.09.2008	31.03.2009
	(Reviewed)	(Reviewed)	(Reviewed)	(Reviewed)	(Audited)
1. Interest Earned (a)+(b)+(c)+(d)	238423	199373	471569	383118	812138
(a) Interest/discount on advances / bills	178691	154649	357101	289831	619666
(b) Income on investments	53590	42091	103117	86294	175518
(c) Interest on balances with RBI & other inter-bank funds	6007	1803	10967	5305	14358
(d) Others	135	830	384	1688	2596
2. Other Income	22559	19425	47781	35596	101990
3. Total Income   (1+2)	260982	218798	519350	418714	914128
4. Interest Expended	185876	158235	376311	301140	647668
5. Operating Expenses (i) + (ii)	38345	36103	75251	70318	146298
(i) Employees Cost	24955	24202	50296	47913	99754
(ii) Other Operating Expenses	13390	11901	24955	22405	46544
6. Total Expenditure (4+5) (excluding Provisions and Contingencies)	224221	194338	451562	371458	793966
7. Operating Profit (Before Provisions and Contingencies) (3-6)	36761	24460	67788	47256	120162
8. Provisions (other than tax) and Contingencies	14136	9507	26826	18714	63128
...of which provision for NPA	6000	7056	12011	5244	26842
9. Exceptional Items	0	0	0		0
10. Profit(+)/Loss(-) from Ordinary Activities before tax (7-8-9)	22625	14953	40962	28542	57034
11. Tax Expenses	1853	(56)	2305	189	1262
… of which provision for FBT	0	57	0	126	268
12. Net Profit(+)/Loss(-) from Ordinary Activities after tax (10-11)	20772	15009	38657	28353	55772
13. Extraordinary items	0	0	0	0	0
14. Net Profit/(Loss)  for the period (12-13)	20772	15009	38657	28353	55772
15. Paid-up Equity Share Capital (Face Value Rs.10/- each)	54936	79936	54936	79936	54936
16. Reserves excluding Revaluation Reserves	224571	179106	224571	179106	224571
(As per balance sheet of previous accounting year)
17. Analytical Ratios
(i) Percentage of shares held by Govt. of India	63.59%	74.98%	63.59%	74.98%	63.59%
(ii) Capital Adequacy Ratio:  Basel-I	10.16%	10.25%	10.16%	10.25%	9.75%
Basel-II	11.75%	11.61%	11.75%	11.61%	11.93%
(iii) Earning Per Share (EPS) (in Rs.) (Not Annualised)
Basic and Diluted EPS before and after Extraordinary items  for the period, for the year to date and for the previous year.	3.78	1.88	7.04	3.55	7.63
# EPS restated for restructuring of capital on 22.12.2008	3.78	#2.73	7.04	#5.16	7.63
(iv) NPA Ratios
a) Amount of Gross NPA	152944	153355	152944	153355	153951
b) Amount of Net NPA	70955	94869	70955	94869	81267
c) % of Gross NPA	2.16	2.58	2.16	2.58	2.21
d) % of Net NPA	1.01	1.61	1.01	1.61	1.18
e) Return on Assets (Annualised) (%)	0.73%	0.66%	0.69%	0.63%	0.59%
18. Public Shareholding
- No. of Shares  (In lakh)	2000	2000	2000	2000	2000
- Percentage of Shareholding	36.41%	25.02%	36.41%	25.02%	36.41%
19. Promoters and Promoter Group Shareholding
a) Pledged/Encumbered
Number of Shares	Nil	Nil	Nil	Nil	Nil
% of Shares (as a % of the total shareholding of promoter and promoter group)	Nil	Nil	Nil	Nil	Nil
% of Shares (as a % of the total share capital of the Company)	Nil	Nil	Nil	Nil	Nil
b) Non-Encumbered
Number of Shares (In lakh)	3493.60	5993.60	3493.60	5993.60	3493.60
% of Shares (as a % of the total shareholding of promoter and promoter group)	100%	100%	100%	100%	100%
% of Shares (as a % of the total share capital of the Company)	63.59%	74.98%	63.59%	74.98%	63.59%