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BALANCE SHEET AS ON 31st MARCH, 2009

 
 

CAPITAL & LIABILITIES

SCHEDULE  No.

As on 31.03.2009 (Rs.)

As on 31.03.2008 (Rs.)

Share Capital  

1

15,13,82,000

15,13,82,000

Reserves and Surplus

2

334,84,75,792

254,09,38,304

Deposits  

3

2723,91,36,547

2252,19,72,095

Borrowings  

4

421,72,28,992

311,36,43,893

Other Liabilities and Provisions  

5

142,05,93,236

 104,88,54,258

TOTAL

 

3637,68,16,567

2937,67,90,550

ASSETS

SCHEDULE  No.

As on 31.03.2009 (Rs.)

As on 31.03.2008 (Rs.)

Cash and Balances with RBI

6

157,36,85,203

184,07,22,690

Balance with Banks and money at call and short notice

7

1247,90,03,996

1000,97,01,010

Investments

8

769,47,15,442

642,62,16,030

Advances

9

1332,05,14,617

1006,59,01,766

Fixed Assets

10

4,20,93,904

2,93,22,903

Other Assets

11

126,68,03,405

100,49,26,151

TOTAL

 

3637,68,16,567

 2937,67,90,550

CONTINGENT LIABILITIES

SCHEDULE  No.

As on 31.03.2009 (Rs.)

As on 31.03.2008 (Rs.)

Bills for Collection

 

10,67,59,396

22,40,79,616

Contingent Liabilities

12

52,24,000

50,85,000

Significant Accounting Policies

17

 

 

Notes on Accounts

18

 

 

 

 
 

PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2009

 
 

PARTICULARS

SCHEDULE

No.

For the year ended 31.03.2009 (Rs.)

For the year ended 31.03.2008 (Rs.)

I. INCOME

 

 

 

Interest earned

13

241,88,56,129

197,63,98,230

Other Income

14

12,40,90,167

6,10,29,218

TOTAL

 

254,29,46,296

203,74,27,448

II.  EXPENDITURE

 

 

 

Interest Expended

15

113,06,21,795

93,30,20,072

Operating Expenses

16

61,52,86,706

53,68,54,669

Provisions and contingencies

 

7,97,07,905

4,84,38,509

TOTAL

 

182,56,16,406

151,83,13,250

I.    PROFIT / LOSS

 

 

 

  Profit for the year

 

71,73,29,890

51,91,14,198

  Less: Provision for FBT

 

14,33,515

NIL

  Net Profit for the year

 

71,58,96,375

51,91,14,198

 Add : Reversal of Excess provision  of earlier year

 

916,41,113

 

5,69,15,856

   Profit brought forward

 

NIL

NIL

TOTAL

 

80,75,37,488

57,60,30,054

IV. APPROPRIATIONS :

    Transfer to :

 

 

 

 Statutory Reserves

 

16,15,07,498

11,52,06,011

 Revenue & other Reserves

 

61,40,29,990

46,08,24,043

Transfer to Investment Fluctuation Reserve

 

3,20,00,000

NIL

 Govt. / Proposed dividends

 

NIL

NIL

 Balance carried over to Balance Sheet

 

NIL

NIL

TOTAL

 

80,75,37,488

57,60,30,054

 
 
 

                                                 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    
       b) Share Capital Deposits 1214 1214    
       c) Reserves 33915 25409 8506 33.48
         
Total Deposits (a+b) 272391 225220 47171 20.94
       a) Demand deposits (i+ii) 210577 174318 36259 20.80
             i) Savings Bank 175591 146957 28634 19.48
            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    
         
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
         
Profit of the year 8075 5760 2315 40.19
         
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    
         
Capital to Risk weighted Assets ratio (CRAR) 21.73 21.33    
 
     
 
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