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Rupees in Lacs

Particulars

Half Year Ended 31.03.2018

Audited

Half Year Ended 31.03.2017

Audited

Year Ended 31/03/2018

Audited

Year Ended 31/03/2017

Audited

1. Interest earned (a)+(b)+(c)+(d) 14,222.56 11,707.07 27,100.46 22,368.96
(a) Interest/disc. on advances/ bills 9,381.06 7,369.57 17,835.77 14,480.56
(b) Income on Investments 3,256.80 3,235.60 6,492.74 5,812.72

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

1,579.16 1,101.90 2,760.88 2,075.68
(d) Others 5.54 - 11.07 -
2. Other Income 1,264.48 1,172.46 2,286.11 1,989.06
3. Total Income (1+2) 15,487.04 12,879.53 29,386.57 24,358.02
4. Interest Expended 8,617.82 7,846.33 16,648.66 14,966.22
5. Operating Expenses (i)+(ii) 5,182.42 3,790.88 9,468.38 7,069.22
(i) Employees cost 2,474.80 2,096.52 4,592.34 3,781.58
(ii) Other operating expenses 2,707.62 1,694.36 4,876.04 3,287.64
- Rent,taxes and lighting 741.97 546.64 1,394.38 1,031.68
- Others 1,965.65 1,147.72 3,481.66 2,225.96
6. Total Expenditure ((4+5) excluding provisions and contingencies) 13,800.24 11,637.21 26,117.04 22,035.44
7. OPERATING PROFIT (3-6) (Profit before Provisions and Contingencies) 1,686.80 1,242.32 3,269.53 2,322.58
8. Provisions (other than tax) and Contingencies 118.05 55.05 298.04 150.09
9. Exceptional items  - - - -
10. Profit (+)/ Loss (-) from Ordinary Activities before tax (7-8-9) 1,568.75 1,187.27 2,971.49 2,172.49
11. Tax Expense 584.01 330.57 1,069.47 668.49
12. Net Profit(+)/Loss(-) from Ordinary Activities after tax (10-11) 984.74 856.70 1,902.02 1,504.00
13. Extraordinary items (net of tax expense)  - - - -
14. Net Profit (+)/ Loss (-) for the period (12-13) 984.74 856.70 1,902.02 1,504.00
15. Paid-up equity share capital (Face Value of Rs 10/- each) 2848.07 2,698.71 2,848.07 2,698.71
16. Reserves excluding Revaluation Reserves 20,510.29 16,322.99 20,510.29 16,322.99
17. Analytical Ratios        
(i)Percentage of shares held by Government of India Nil Nil Nil Nil
(ii) Capital Adequacy Ratio 19.66% 22.95% 19.66% 22.95%
(iii) Earnings Per share (EPS) (in Rs.)        
(a) Basic EPS before & after extraordinary items(net of tax expense) 6.92 7.44 6.86 6.53
(b) Diluted EPS before & after extraordinary items(net of tax expense) 6.92 7.44 6.86 6.53
(iv) NPA Ratios        
(a) Amount of Gross Non Performing Assets 2112.86 1398.56 2112.86 1,398.56
(b) Amount of Net Non Performing Assets 1543.14 979.02 1543.14 979.02
(c) % of Gross NPAs to gross Advances 1.14% 1.02% 1.14% 1.02%
(d) % of Net NPAs to Net Advances 0.84% 0.72% 0.84% 0.72%
(v) Return on Assets (annualized) 0.63% 0.66% 0.64% 0.63%
18. Working        
Advances 185,298.83 136,959.51 185,298.83 136,959.51
Deposits 285,052.00 237,821.33 285,052.00 237,821.33
Total Working 470,350.83 374,780.84 470,350.83 374,780.84
Net Worth 23,272.79 18,903.72 23,272.79 18,903.72
19. Branches 101 73 101 73
Rural 50 35 50 35
Semi Urban 33 27 33 27
Urban 12 7 12 7
Metro Politan 6 4 6 4

 


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