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Balance Sheet & Bank at a Glance |
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BALANCE SHEET AS ON 31st MARCH, 2009 |
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CAPITAL & LIABILITIES |
SCHEDULE No. |
As on 31.03.2009 (Rs.) |
As on 31.03.2008 (Rs.) |
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Share Capital |
1 |
15,13,82,000 |
15,13,82,000 |
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Reserves and Surplus |
2 |
334,84,75,792 |
254,09,38,304 |
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Deposits |
3 |
2723,91,36,547 |
2252,19,72,095 |
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Borrowings |
4 |
421,72,28,992 |
311,36,43,893 |
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Other Liabilities and Provisions |
5 |
142,05,93,236 |
104,88,54,258 |
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TOTAL |
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3637,68,16,567 |
2937,67,90,550 |
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ASSETS |
SCHEDULE No. |
As on 31.03.2009 (Rs.) |
As on 31.03.2008 (Rs.) |
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Cash and Balances with RBI |
6 |
157,36,85,203 |
184,07,22,690 |
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7 |
1247,90,03,996 |
1000,97,01,010 |
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Investments |
8 |
769,47,15,442 |
642,62,16,030 |
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Advances |
9 |
1332,05,14,617 |
1006,59,01,766 |
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Fixed Assets |
10 |
4,20,93,904 |
2,93,22,903 |
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Other Assets |
11 |
126,68,03,405 |
100,49,26,151 |
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TOTAL |
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3637,68,16,567 |
2937,67,90,550 |
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CONTINGENT LIABILITIES |
SCHEDULE No. |
As on 31.03.2009 (Rs.) |
As on 31.03.2008 (Rs.) |
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Bills for Collection |
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10,67,59,396 |
22,40,79,616 |
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Contingent Liabilities |
12 |
52,24,000 |
50,85,000 |
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Significant Accounting Policies |
17 |
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Notes on Accounts |
18 |
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PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2009 |
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PARTICULARS |
SCHEDULE
No. |
For the year ended 31.03.2009 (Rs.) |
For the year ended 31.03.2008 (Rs.) |
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I. INCOME |
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Interest earned |
13 |
241,88,56,129 |
197,63,98,230 |
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Other Income |
14 |
12,40,90,167 |
6,10,29,218 |
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TOTAL |
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254,29,46,296 |
203,74,27,448 |
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II. EXPENDITURE |
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Interest Expended |
15 |
113,06,21,795 |
93,30,20,072 |
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Operating Expenses |
16 |
61,52,86,706 |
53,68,54,669 |
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Provisions and contingencies |
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7,97,07,905 |
4,84,38,509 |
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TOTAL |
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182,56,16,406 |
151,83,13,250 |
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I.
PROFIT / LOSS |
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Profit for the year |
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71,73,29,890 |
51,91,14,198 |
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Less: Provision for FBT |
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14,33,515 |
NIL |
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Net Profit for the year |
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71,58,96,375 |
51,91,14,198 |
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Add :
Reversal of Excess provision of earlier year |
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916,41,113
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5,69,15,856 |
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Profit brought forward |
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NIL |
NIL |
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TOTAL |
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80,75,37,488 |
57,60,30,054 |
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IV. APPROPRIATIONS :
Transfer to : |
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Statutory Reserves |
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16,15,07,498 |
11,52,06,011 |
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Revenue & other Reserves |
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61,40,29,990 |
46,08,24,043 |
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Transfer to Investment Fluctuation Reserve |
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3,20,00,000 |
NIL |
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Govt. / Proposed dividends |
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NIL |
NIL |
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Balance carried over to Balance Sheet |
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NIL |
NIL |
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TOTAL |
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80,75,37,488 |
57,60,30,054 |
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Financial Position of
the Bank as on 31-03-2009 Rs. in lakh
| Particulars |
As on 31.03.2009 |
As on 31.03.2008 |
Growth over March 2008 |
| Amount |
Amount |
Amount |
% |
| Owned Funds (a+b+c) |
35429 |
26923 |
8056 |
31.59 |
| a) Share
Capital |
300 |
300 |
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| b) Share
Capital Deposits |
1214 |
1214 |
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| c) Reserves |
33915 |
25409 |
8506 |
33.48 |
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| Total Deposits (a+b) |
272391 |
225220 |
47171 |
20.94 |
| a) Demand
deposits (i+ii) |
210577 |
174318 |
36259 |
20.80 |
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i) Savings Bank |
175591 |
146957 |
28634 |
19.48 |
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ii) Current Deposits |
34986 |
27361 |
7625 |
27.87 |
| b) Term
deposits |
61814 |
50902 |
10912 |
21.44 |
| % of low cost deposits to total
deposits |
77.31 |
77.40 |
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| Total Outstanding Advances (a+b) |
134790 |
102981 |
31809 |
30.89 |
| a) Priority
Sector |
118791 |
89219 |
29572 |
33.15 |
| b) Non Priority
Sector |
15999 |
13762 |
2237 |
16.25 |
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| Profit of the year |
8075 |
5760 |
2315 |
40.19 |
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| Business Mix |
407181 |
328201 |
78980 |
24.06 |
| C.D. Ratio |
49.48 |
45.72 |
3.76 |
8.22 |
| Per Branch business |
1339.41 |
1139.59 |
199.82 |
17.53 |
| Per Employee business |
284.74 |
227.13 |
57.61 |
25.36 |
| % Gross NPA to Gross Advances |
2.19 |
4.76 |
-2.56 |
-53.88 |
| % Net NPA to Net Advances |
NIL |
2.56 |
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| Capital to Risk weighted Assets ratio (CRAR) |
21.73 |
21.33 |
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