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Balance Sheet & Bank at a Glance |
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BALANCE SHEET AS ON 31st MARCH, 2011 |
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PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2011 |
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CAPITAL & LIABILITIES |
SCHEDULE No. |
As on 31.03.2011
(`) |
As on 31.03.2010
(`) |
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Share Capital |
1 |
15,13,82,000 |
15,13,82,000 |
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Reserves and Surplus |
2 |
501,62,47,954 |
406,30,22,828 |
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Deposits |
3 |
3889,75,46,868 |
3306,34,89,384 |
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Borrowings |
4 |
513,46,19,815 |
425,61,59,830 |
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Other Liabilities and Provisions |
5 |
193,38,74,922 |
215,42,52,897 |
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TOTAL |
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5113,36,71,559 |
4368,83,06,939 |
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ASSETS |
SCHEDULE No. |
As on 31.03.2011
(`) |
As on 31.03.2010
(`) |
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Cash and Balances with RBI |
6 |
268,24,11,572 |
212,08,50,642 |
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7 |
1676,51,95,808 |
1491,37,05,805 |
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Investments |
8 |
1042,90,64,476 |
879,26,96,567 |
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Advances |
9 |
1916,77,67,138 |
1566,27,36,841 |
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Fixed Assets |
10 |
6,18,09,355 |
3,87,17,743 |
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Other Assets |
11 |
202,74,23,210 |
215,95,99,341 |
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TOTAL |
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5113,36,71,559 |
4368,83,06,939 |
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CONTINGENT LIABILITIES |
SCHEDULE No. |
As on 31.03.2011
(`) |
As on 31.03.2010
(`) |
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Bills for Collection |
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9,42,27,885 |
11,95,47,322 |
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Contingent Liabilities |
12 |
53,49,000 |
73,00,000 |
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Significant Accounting Policies |
17 |
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Notes on Accounts |
18 |
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PARTICULARS |
SCHEDULE
No. |
For the year ended 31.03.2011
(`) |
For the year ended 31.03.2010
(`) |
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I. INCOME |
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Interest earned |
13 |
344,43,53,781 |
301,03,75,234 |
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Other Income |
14 |
10,02,07,034 |
8,99,85,741 |
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TOTAL |
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354,45,60,815 |
310,03,60,975 |
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II. EXPENDITURE |
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Interest Expended |
15 |
153,89,42,478 |
144,31,22,228 |
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Operating Expenses |
16 |
109,44,95,703 |
71,10,61,426 |
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Provisions and contingencies |
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1,51,75,724 |
13,51,66,311 |
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TOTAL |
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264,86,13,905 |
228,93,49,965 |
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III.
PROFIT / LOSS |
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Profit for the year |
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89,59,46,910 |
81,10,11,010 |
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Less: Provision for Income Tax |
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4,77,21,785 |
NIL |
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Net Profit for the year |
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84,82,25,125 |
81,10,11,010 |
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Add :
Reversal of reserve for Arrears on wage revision |
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10,50,00,000 |
NIL |
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Add :
Reversal of Excess provisions of earlier years |
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NIL |
27,62,756 |
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Profit brought forward |
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NIL |
NIL |
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TOTAL |
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95,32,25,125 |
81,37,73,766 |
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IV. APPROPRIATIONS :
Transfer to : |
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Statutory Reserves |
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19,06,45,026 |
16,27,54,753 |
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Capital Reserves |
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36,88,970 |
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Revenue & other Reserves |
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74,88,91,129 |
53,30,19,013 |
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Investment Fluctuation Reserve |
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1,00,00,000 |
1,30,00,000 |
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Arrears on wage revision A/c |
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NIL |
10,50,00,000 |
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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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95,32,25,125 |
81,37,73,766 |
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Financial Position of
the Bank as on 31-03-2011 Rs.
(`)
in lakh
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Particulars |
As on 31.03.2011 |
As on 31.03.2010 |
Growth over March 2010 |
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Amount |
Amount |
Amount |
% |
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Owned Funds (a+b+c) |
52311 |
42653 |
9658 |
22.64 |
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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 |
50797 |
41139 |
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Total Deposits (a+b) |
388975 |
330635 |
58340 |
17.64 |
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a) Demand deposits |
311110 |
261733 |
49377 |
18.87 |
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b) Term deposits |
77865 |
68902 |
8963 |
13.01 |
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% of low cost deposits to total deposits |
79.98 |
79.16 |
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Total Outstanding Advances (a+b) |
193295 |
158360 |
34935 |
22.06 |
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a) Priority Sector |
171772 |
140348 |
31424 |
22.39 |
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b) Non Priority Sector |
21523 |
18012 |
3511 |
19.49 |
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Profit for the year |
9532 |
8138 |
1394 |
17.13 |
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Business Mix |
582270 |
488995 |
93275 |
19.07 |
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C.D. Ratio % |
49.69 |
47.90 |
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Per Branch business |
1884.37 |
1598.02 |
286 |
17.92 |
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Per Employee business |
395.30 |
345.34 |
50 |
14.47 |
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% Gross NPA to Gross Advances |
2.07 |
2.60 |
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% Net NPA to Net Advances |
NIL |
NIL |
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Capital to Risk weighted Assets ratio (CRAR) % |
21.47 |
21.76 |
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