Balance Sheet (Curr: Rs in Cr.

) as at March 31st 2012

CAPITAL & LIABILITIES
Capital
Reserves and Surplus
Deposits
Borrowings
Other Liabilities and Provisions
TOTAL
ASSETS
Cash and Balances with
Reserve Bank of India
Balances with Banks and Money at
Call and Short Notice
Total Cash
Investments
Advances
Fixed Assets
Other Assets
TOTAL

2009
365
12470
192396
5636
16538
227405

2010
365
14740
241044
13350
8814
278313

2011
392
20650
305439
22307
9605
358393

2012
412
27064
384871
23573
11398
447318

10596

13538

19867

21649

13490
24086
52445
143985
2309
4580
227405

21927
35465
61182
175035
2284
4347
278313

30065
49932
71396
228676
2299
6090
358393

42517
64166
83209
287377
2341
10225
447318

11379

14467

14234

2009

2010

2011

2012

48601
40134
966
606
3014

57561
49442
795
1231
2351

67800
59424
536
1325
2356

79265
69188
163
1459
2959

735

774

863

697

48601
3844

2965
3620

3294
3596

4796
3944

714

1001

916

1059

284

311

402

537

2845
52445

2308
61181

2277
71396

2347
83209

Change in Cash

Investments
1.Net Investments in India
i) Government Securities
ii) Other Approved Securities
iii) Shares
iv) Debentures and Bonds
v) Subsidiaries and/or Joint
Ventures
vi) Other Investments (Commercial
Papers, Units of Mutual Funds,
Pass Through Certificates etc.)
2.Net Investments Outside India
i) Government Securities
(Including Local Authorities)
ii) Subsidiaries and/or
joint ventures abroad
iii) Other Investments
(Debentures, Bonds etc.)
TOTAL (I and II)

Net Working Capital

Current Assets

Cash and Bank Balances with RBI

10596
Balances with Banks and money at call and short13490
notice
Advances
143985
Other Assets
4578

13539
21927
175035
4347

19868
30065
228676
6090

21651
42517
287377
10224

Current Liabilities
Other liabilities and provisions
Net Working Capital

-16492
156157

-8722
206126

-9506
275193

-11144
350625

2009

2010

2011

2012

13948

19265

29689

39117

66814
63222
143984

79631
76137
175033

97804
101181
228674

121401
126857
287375

94141
16143
33701
143985

109231
23099
42704
175034

145684
33889
49102
228675

190080
50360
46935
287375

38250
22347
49
48636

46121
18542
12
66967

54909
23053
520
90923

64909
23704
2095
111365

176
0

192
0

119
0

0
0

11346
7734
15445
143983

16422
7704
19072
175032

25851
9529
23767
228671

33315
12068
39917
287373

Advances
A. i) Bills Purchased and Discounted
ii) Cash Credits, Overdrafts and
Loans Repayable on Demand
iii) Term Loans
TOTAL A(i to iii)
B. i) Secured by Tangible Assets
(includes advances against
ii) Covered by Bank/Government
iii) Unsecured
TOTAL B(i to iii)
C. I Advances in India
i Priority Sector
ii Public Sector
iii Banks
iv Others
II Advances Outside India
i Due from Banks
ii Due from Others
a) Bills Purchased
& Discounted
b) Syndicated Loans
c) Others
TOTAL C(I & II)

Profit and Loss account (Curr: Rs in Cr.) for the year ended March 31st 2012
INCOME
Interest Earned
Other Income
Gross Profit
EXPENDITURE
Operating Expenses
Provisions and Contingencies
INCOME FROM OPERATIONS
Less: Interest Expended
PROFIT
Net Profit for the Year (Available for Appropriation)
Appropriations
Transfer to :
a) Statutory Reserve
b) Capital Reserve
I) General Reserve
II) Special Reserve u/s 36 (1) (viii)
III)Statutory Reserve (Foreign)
c) Proposed Dividend
(including Dividend Tax)
TOTAL

2008

2009

2010

11813
2051
13864

15091
2757
17848

16698
2806
19504

3034
1493
4527
7901

3576
2077
5653
9968

3810
1876
5686
10758

1436

2227

3060

358
84
650
0
70

556
358
707
220
1

764
126
1256
270
0

340
1502

383
2225

639
3055

year ended March 31st 2012

2011

2012

21885
2809
24694

29673
3422
33095

4629
2739
7368
13083

5158
3573
8731
19356

4243

5008

1060
20
2100
335
2

1251
22
2453
533
1

753
4270

812
5072

Cash Flow Statement (Curr: Rs in Cr.) for the year ended March 31st 20
31-Mar-09

Cash flow from operating activities

Net Profit before taxes
Adjustments for:
Depreciation on fixed assets
Depreciation on investments (including on Matured debentures)
Bad debts written-off/Provision in respect of non-performing assets
Provision for Standard Assets
Provision for Other items (Net)
Profit/(loss) on sale of fixed assets
(Net)
Payment/provision for interest on
subordinated debt (treated separately)
Dividend received from subsidiaries/
others (treated separately)
Sub total
Adjustments for:
(Increase)/Decrease in investments
(Increase)/Decrease in advances
(increase)/Decrease in other assets
Increase/(Decrease)in borrowings
Increase/(Decrease) in deposits
Increase/(Decrease) in other liabilities
and provisions
Direct taxes paid (Net of Refund)
Net cash from operating activities (A)

0
0
536
337
75
12
0.4
466
-32
4972
-9008
-37622
-157
1709
40362
2192
-1322
1126

Cash flow from investing activities

Purchase/ Transfer in of fixed assets
Sales/ Transfer out of fixed assets
Changes in Trade related investments
(Subsidiaries & others)
Dividend received from subsidiaries/
others
Net cash used in investing activities (B)

-207
40
-104
32
-239

Cash flow from financing activities

Share Capital
Share premium
Unsecured Subordinated Bonds
Dividend paid including dividend tax
Interest paid / payable on unsecured subordinated bonds
Net cash from financing activities [C]

0
0
1709
-340
-466
903

Net increase in cash & cash equivalents (A)+(B)+ [C]

1790

Cash and cash equivalents as at the

beginning of the year
Cash and cash equivalents as at the
end of the year
Net Increase in Cash Balance

22299
24086
1787

or the year ended March 31st 2012

31-Mar-10

31-Mar-11

31-Mar-12

0
-380
955
106
15

0
901
1050
223
47

0
236
1865
448
5

-0.5

0.1

-0.8

559

846

914

-29
5696

-28
8042

-25
9745

-8290
-32739
432
-823

-9906
-54691
-1856
6755

-12216
-60566
-3321
1076

48647

64177

79431

-167
-1503
11253

689
-1431
11779

1952
-1695
14406

-338
40

-358
20

-434
40

-65

-180

31

29
-334

28
-490

25
-338

0
0
1407
0
-559
848

27
2433
2203
0
-846
3817

19
1625
189
0
-914
919

11767

15106

14987

24086

35465

49932

35465
11379

49932
14467

64166
14234

Dashboard
Bal Sheet Calculation Check

0
0

Cash Flow Calculation Check

-388

-388
-2168

-639

-753

Key Indicators
Is the balance sheet balanced?
Sum total of sheet differences

Are Cash flows Consistent across Balance Sheet

and Cash flow Statement?
Sum total of BS and SCF differences

Yes
0

Yes
-2168

Cash Dashboard for Q1 of Year 2012

Cash Balance
Credit Balance
Accounts Receivable
Expected this Quarter
All Other A/R
Total A/R
Other Expected Cash
Total Quarter End Cash

64166
0

50000
71401
121401
436
114602

OUTFLOWS
Total Accounts Payable
A/Cs Payable this Quarter

453332
40000

Other Outflows

655

Total Outflows

40655

Net Cash @ End of this Quarter

73947