Performance Highlights of September 2009

Rs/crore

Sl. Jun-09 Sep-09 Sep-09 Jun-08 Sep-08 Sep-08 Mar-09

No Highlights Half Full
. Quarter Quarter Half Year Quarter Quarter
Year Year
1. Capital 446.70 446.70 446.70 446.70 446.70 446.70 446.70
2. 4863.7 4904.2 4904.2
Reserves 5706.37 6038.78 6038.78 5405.25
9 3 3
3. Net Worth
(excl. 4433.4 4475.1 4475.1
5280.87 5614.46 5614.46 4978.58
Revaluation 2 1 1
Reserve)
4. 89401.2 87308.9 87308.9 73206. 73648. 73648. 84971.7
Deposits
3 5 5 52 46 46 9
% Growth 22.12% 18.55% 18.55% 16.54% 11.76% 11.76% 18.65%
5. Working 105170. 102157. 102157. 85331. 84204. 84204. 97648.0
Funds 14 12 12 54 84 84 1
% Growth 23.25% 21.32% 21.32% 19.37% 11.08% 11.08% 17.73%
6. Advances 61002.2 60794.0 60794.0 50244. 51715. 51715. 59443.4
(Gross) 4 6 6 25 16 16 0
% Growth 21.41% 17.56% 17.56% 23.88% 21.51% 21.51% 18.15%
7. Advances 60137.7 59868.2 59868.2 49691. 51164. 51164. 58801.7
(Net) 7 1 1 51 64 64 6
8. Investment 35286.4 30479.6 30479.6 24974. 22718. 22718. 30081.3
s (Gross) 1 4 4 05 19 19 5
% Growth 41.29% 34.16% 34.16% 16.06% -9.58% -9.58% 26.81%
9. Interest
Earned on
a. 1241.3 1356.6 2597.9
1558.24 1581.03 3139.27 5494.39
Advances 3 5 8
b.
Investment 442.49 458.91 901.40 461.35 479.33 940.68 1849.36
s
c.
CRR/Inter
7.46 5.99 13.45 2.94 3.05 5.99 10.74
Bank
Lending
d. Others 0.00 0.76 0.76 0.00 6.93 6.93 10.24
Total 2008.19 2046.69 4054.88 1705.6 1845.9 3551.5 7364.7
 Interest
2 6 8 3
Earned
% Growth 17.74% 10.87% 14.17% 20.68% 22.37% 21.55% 19.34%
10 Other
. Income
a.
Commissio
146.51 181.95 328.46 107.26 91.20 198.46 523.78
n&
Exchange
b
Investment
214.04 168.28 382.32 32.17 7.68 39.85 572.70
Trading
Profit
c. Others 8.96 54.60 63.56 4.58 32.35 36.93 45.44
Total
1141.9
Other 369.51 404.83 774.34 144.01 131.23 275.24
2
Income
-
% Growth 156.59% 208.49% 181.33% 18.20% -0.84% 18.36%
15.73%
11 Total 1849.6 1977.1 3826.8 8506.6
2377.70 2451.52 4829.22
. Income 3 9 2 5
% Growth 28.55% 23.99% 26.19% 20.49% 18.80% 19.61% 19.21%
12 Interest
. Paid on
1168.2 1256.0 2424.2
a. Deposits 1297.90 1351.78 2649.68 4885.59
5 0 5
b.
81.23 91.66 172.89 68.86 96.44 165.30 320.47
Borrowings
Total
1237.1 1352.4 2589.5 5206.0
Interest 1379.13 1443.44 2822.57
1 4 5 6
Paid
% Growth 11.48% 6.73% 9.00% 25.04% 23.64% 24.31% 15.72%
13 Establishm
. ent 272.08 224.23 496.31 190.23 181.51 371.74 873.94
Expenses
14 Other
. Operating 135.86 134.01 269.87 115.56 129.03 244.59 525.50
Expenses
15 Total 1542.9 1662.9 3205.8 6605.5
1787.07 1801.68 3588.75
. Expenses 0 8 8 0
% Growth 15.83% 8.34% 11.94% 23.80% 21.85% 22.79% 16.78%
16 Operating 1901.1
590.63 649.84 1240.47 306.73 314.21 620.94
. Profit 5
% Growth 92.56% 106.82% 99.77% 6.18% 4.89% 5.53% 28.50%
17 1132.5
Provisions 287.77 316.25 604.02 213.37 272.53 485.90
. 5
18 Net Profit 302.86 333.59 636.45 93.36 41.68 135.04 768.60
.
- - - -
% Growth 224.40% 700.36% 371.30%
53.41% 82.62% 69.32% 21.15%
19 2158.6
Spread 629.06 603.25 1232.31 468.51 493.52 962.03
. 7
% Growth 34.27% 22.23% 28.09% 10.52% 19.01% 14.72% 29.08%
20 Provisions 287.77 316.25 604.02 213.37 272.53 485.90 1132.55
a) N P A 251.00 170.66 421.66 -55.10 110.1 55.00 313.23
b)
Depreciatio
-214.68 17.67 -197.01 264.08 138.45 402.53 357.49
n on
Investment
c) Standard
1.46 0.22 1.68 2.58 17.34 19.92 20.01
Advance
d) I R S 0.00 0.00 0.00 0 0 0.00 78.09
e) Income
248.13 122.40 370.53 11.12 6.02 17.14 307.17
Tax
f) Others 1.86 5.30 7.16 -9.31 0.62 -8.69 56.56
21 Business
. Growth
over
previous
year
a. Deposits 22.12% 18.55% 18.55% 16.54% 11.76% 11.76% 18.65%
b.
21.41% 17.56% 17.56% 23.88% 21.51% 21.51% 18.15%
Advances
c.
Investment 41.29% 34.16% 34.16% 16.06% -9.58% -9.58% 26.81%
s
22 Ratios:
.
a. Yield on
10.86% 10.84% 10.85% 10.57% 11.03% 10.80% 10.88%
Advances
b. Yield on 6.78% 7.10% 6.94% 7.43% 7.85% 7.64% 7.57%
Investment
s
c. Yield on
8.85% 8.92% 8.89% 9.33% 10.10% 9.72% 9.62%
Fund
d. Cost of
6.08% 6.30% 6.19% 6.55% 6.90% 6.73% 6.62%
Deposits
e. Cost of
8.16% 8.01% 8.08% 6.00% 8.27% 7.14% 7.51%
Borrowings
f. Cost of
6.17% 6.39% 6.28% 6.52% 6.98% 6.75% 6.67%
fund
g. Estt. Exp
to Total 15.22% 12.45% 13.83% 12.33% 10.91% 11.60% 13.23%
Exp
h. Other
Op. Exp to 7.60% 7.44% 7.52% 7.49% 7.76% 7.63% 7.96%
Total Exp
i. Operating
1.65% 1.43% 1.54% 1.49% 1.49% 1.49% 1.65%
Exp to AWF
j. Operating
Profit to 2.39% 2.59% 2.49% 1.49% 1.51% 1.50% 2.24%
AWF
k. Net
Interest 3.00% 2.84% 2.92% 2.60% 2.70% 2.65% 2.88%
Margin
l. Capital
Adequacy 12.54% 14.90% 14.90% 11.68% 11.46% 11.46% 13.11%
Ratio
m. Gross
NPA to 1.79% 1.78% 1.78% 1.87% 1.93% 1.93% 1.81%
Gross Adv
n. Net NPA
to Net 0.37% 0.35% 0.35% 0.75% 0.85% 0.85% 0.72%
Advance
o. Earning
per Shares 6.78 7.47 14.25 2.09 0.93 3.02 17.21
(Rs.)
p. Return
on Assets 1.22% 1.33% 1.28% 0.45% 0.20% 0.33% 0.90%
-Annualised
q. Return
on Avg. Net
23.62% 24.49% 24.03% 8.51% 3.74% 6.13% 16.49%
Worth -
Annualised
r. Book 137.75 145.19 145.19 118.88 119.79 119.79 131.00
Value per
 Share [Rs]
AWF = Average Working Fund