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Balance Sheet & Bank at a Glance |
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BALANCE SHEET AS ON 31st MARCH, 2010 |
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CAPITAL & LIABILITIES |
SCHEDULE No. |
As on 31.03.2010 (Rs.) |
As on 31.03.2009 (Rs.) |
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Share Capital |
1 |
15,13,82,000 |
15,13,82,000 |
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Reserves and Surplus |
2 |
406,30,22,828 |
334,84,75,792 |
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Deposits |
3 |
3306,34,89,384 |
2723,91,36,547 |
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Borrowings |
4 |
425,61,59,830 |
421,72,28,992 |
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Other Liabilities and Provisions |
5 |
215,42,52,897 |
142,05,93,236 |
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TOTAL |
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4368,83,06,939 |
3637,68,16,567 |
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ASSETS |
SCHEDULE No. |
As on 31.03.2010 (Rs.) |
As on 31.03.2009 (Rs.) |
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Cash and Balances with RBI |
6 |
212,08,50,642 |
157,36,85,203 |
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7 |
1491,37,05,805 |
1247,90,03,996 |
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Investments |
8 |
879,26,96,567 |
769,47,15,442 |
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Advances |
9 |
1566,27,36,841 |
1332,05,14,617 |
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Fixed Assets |
10 |
3,87,17,743 |
4,20,93,904 |
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Other Assets |
11 |
215,95,99,341 |
126,68,03,405 |
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TOTAL |
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4368,83,06,939 |
3637,68,16,567 |
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CONTINGENT LIABILITIES |
SCHEDULE No. |
As on 31.03.2010 (Rs.) |
As on 31.03.2009
(Rs.) |
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Bills for Collection |
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11,95,47,322 |
10,67,59,396 |
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Contingent Liabilities |
12 |
73,00,000 |
52,24,000 |
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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, 2010 |
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PARTICULARS |
SCHEDULE
No. |
For the year ended 31.03.2010
(Rs.) |
For the year ended 31.03.2009 (Rs.) |
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I. INCOME |
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Interest earned |
13 |
301,03,75,234 |
241,88,56,129 |
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Other Income |
14 |
8,99,85,741 |
12,40,90,167 |
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TOTAL |
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310,03,60,975 |
254,29,46,296 |
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II. EXPENDITURE |
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Interest Expended |
15 |
144,31,22,228 |
113,06,21,795 |
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Operating Expenses |
16 |
71,10,61,426 |
61,52,86,706 |
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Provisions and contingencies |
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13,51,66,311 |
7,97,07,905 |
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TOTAL |
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228,93,49,965 |
182,56,16,406 |
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III.
PROFIT / LOSS |
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Profit for the year |
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81,10,11,010 |
71,73,29,890 |
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Less:
Provision for FBT |
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NIL |
14,33,515 |
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Net Profit for the year |
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81,10,11,010 |
71,58,96,375 |
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Add :
Reversal of Excess provisions of earlier years |
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27,62,756
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916,41,113
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Profit brought forward |
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NIL |
NIL |
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TOTAL |
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81,37,73,766 |
80,75,37,488 |
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IV. APPROPRIATIONS :
Transfer to : |
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Statutory Reserves |
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16,27,54,753 |
16,15,07,498 |
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Revenue & other Reserves |
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53,30,19,013 |
61,40,29,990 |
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Investment Fluctuation Reserve |
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1,30,00,000 |
3,20,00,000 |
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Arrears on wage revision A/c |
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10,50,00,000 |
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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81,37,73,766 |
80,75,37,488 |
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Financial Position of
the Bank as on 31-03-2010 Rs. in lakh
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Particulars |
As on
31.03.2010 |
As on
31.03.2009 |
Growth
over March 2009 |
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Amount |
Amount |
Amount |
% |
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Owned Funds (a+b+c) |
42653 |
35429 |
7224 |
20.39 |
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a) Share Capital |
300 |
300 |
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b) Share Capital Deposits |
1214 |
1214 |
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c) Reserves |
41139 |
33915 |
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Total Deposits (a+b) |
330635 |
272391 |
58244 |
21.38 |
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a) Demand deposits (i+ii) |
261733 |
210577 |
51156 |
24.29 |
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i) Savings Bank |
216954 |
175591 |
41363 |
23.56 |
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ii) Current Deposits |
44779 |
34986 |
9793 |
27.99 |
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b) Term deposits |
68902 |
61814 |
7088 |
11.47 |
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% of low cost deposits to total deposits |
79.16 |
77.31 |
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Total Outstanding Advances (a+b) |
158360 |
134790 |
23570 |
17.49 |
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a) Priority Sector |
140348 |
118791 |
21557 |
18.15 |
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b) Non Priority Sector |
18012 |
15999 |
2013 |
12.58 |
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Profit for the year |
8138 |
8075 |
63 |
0.78 |
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Business Mix |
488995 |
407181 |
81814 |
20.09 |
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C.D. Ratio % |
47.90 |
49.48 |
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Per Branch business |
1598.02 |
1339.41 |
258.61 |
19.31 |
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Per Employee business |
345.34 |
284.74 |
60.60 |
21.28 |
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% Gross NPA to Gross Advances |
2.60 |
2.19 |
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% Net NPA to Net Advances |
NIL |
NIL |
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Capital to Risk weighted Assets ratio (CRAR) % |
21.76
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21.73 |
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