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Rupees in Lacs

 

Particulars

Half Year Ended 30.09.2017

Reviewed

 Half Year Ended 30.09.2016

Unaudited

Year Ended 31.03.2017

Audited

1. Interest earned (a)+(b)+(c)+(d) 12,877.90 10,661.89 22,368.96
(a) Interest/disc. on advances/ bills 8,454.71 7,110.99 14,480.56
(b) Income on investments 3,235.94  2,577.12 5,812.72
(c) Interest on balances with Reserve Bank of India and other inter-bank funds 1,181.72 973.78 2,075.68
(d) Others 5.53  - -
2. Other Income 1,021.63  816.60 1,989.06
3. Total Income (1+2) 13,899.53  11,748.49 24,358.02
4. Interest Expended  8,030.84  7,119.89 14,966.22
5. Operating Expenses (i)+(ii)  4,285.96  3,278.34 7,069.22
(i) Employees cost 2,117.54 1,685.06 3,781.58
(ii) Other operating expenses 2,168.42 1,593.28 3,287.64
- Rent, taxes and lightning 652.41  485.04 1,031.68
- Others 1,516.01  1,108.24 2,255.96
6. Total Expenditure ((4+5) excluding provisions and contingencies) 12,316.80  10,398.23 22,035.44
7. OPERATING PROFIT (3-6) (Profit before provisions and contingencies) 1,582.73 1,080.26 2,322.58
8. Provisions (other than tax) and Contingencies 179.99 95.04 150.09
9. Exceptional items - - -
10. Profit (+)/ Loss (-) from Ordinary Activities before tax (7-8-9)  1,402.74  985.22 2,172.49
11. Tax expense 485.46 337.92 668.49
12. Net Profit(+)/ Loss(-) from Ordinary Activities after Tax (10-11) 917.28 647.30 1,504.00
13. Extraordinary items (net of tax expense) - - -
14. Net Profit (+)/Loss (-) for the period (12-13) 917.28 647.30 1,504.00
15. Paid-up equity share capital (Face Value 0f Rs10/- each) 2,848.07  2,301.99 2,698.71
16. Reserves excluding Revaluation Reserves 19,525.55  9,821.34 16,322.99
17. Analytical Ratios      
(i) Percentage of shares held by Goverment of India Nil Nil Nil
(ii) Capital Adequacy Ratio 22.70 % 15.59 % 22.95 %
(iii) Earnings Per Share (EPS) (in Rs)      
(a) Basic EPS before & after extraordinary items(net of tax expense)-not annualized 3.40 2.81 6.53
(b) Diluted EPS before & after extraordinary items(net of tax expense)-not annualized 3.40  2.81 6.53
(iv) NPA Ratios      
(a) Amount of Gross  Non Performing Assets 1,910.71  1,462.21 1,398.56
(b) Amount of Net Non Performing Assets 1,374.35  1,057.98 979.02
(c) % of Gross NPAs to Gross Advances 1.20 %  1.18 % 1.02 %
(d) % of Net NPAs to Net Advances 0.86 %  0.86 % 0.72 %
(v) Return on Assets (annualized) 0.65 %  0.59% 0.63 %

*Restated EPS


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