2004-05 वित्‍तीय रिपोर्ट

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Sr.no Particulars Quarter Ended 31.12.05 (Reviewed) Quarter Ended 31.12.04 (Reviewed) Nine Months Ended 31.12.05 (Reviewed) Nine Months Ended 31.12.04 (Reviewed) Full Year Ended 31.03.05 (Audited)
1. Interest earned (a+b+c+d) 1775.41 1592.39 5142.69 4668.94 6431.41
a) Interest / discount on advances / bills 972.79 746.74 2696.58 2169.87 2902.75
b) Income on Investments 720.83 763.13 2207.13 2222.58 2988.98
c) Interest on balance with RBI and other inter-bank funds 80.23 51.64 210.61 172.59 235.46
d) Others 1.56 30.88 28.37 103.90 304.22
2. Other income 272.25 284.29 790.57 1038.35 1304.83
A TOTAL INCOME (1+2) 2047.66 1876.68 5933.26 5707.29 7736.24
3. Interest expended 959.93 864.11 2786.75 2569.33 3452.15
4. Operating Expenses (e+f) 610.24 492.04 1718.08 1471.03 1982.18
e) Payments to and Provisions for employees 400.06 352.55 1141.86 1038.34 1381.05
f) Other Operating expenses 210.18 139.49 576.22 432.69 601.13
B TOTAL EXPENDITURE (3+4) (Excluding Provisions & Contingencies) 1570.17 1356.15 4504.83 4040.36 5434.33
C OPERATING PROFIT (A-B) ( Profit before Provisions & Contingencies) 477.49 520.53 1428.43 1666.93 2301.91
D Provisions & Contingencies 193.31 500.79 576.16 908.63 1438.79
---of which provision for Non performing assets 42.6127.60 186.77 254.58 456.21
E Provision for taxes 82.00 -49.76 234.08 182.50 186.28
F NET PROFIT (C-D-E) 202.18 69.50 618.19 575.80 676.84
5. Paid up Equity Share capital (Face Value of Rs.10/- each) 294.53 294.53 294.53 294.53 294.53
6. Reserves (excluding revaluation reserves) (as per Balance Sheet of previous accounting year) 5096.47 4587.13 5096.47 4587.13 5096.47
7. Analytical Ratios
I Percentage of Shares held by Government of India 66.83 66.83 66.83 66.83 66.83
ii Capital Adequacy Ratio (%) 12.81 13.94 12.81 13.94 12.61
iii Earning per Share in Rs. (not annualised) 6.89 2.37 21.08 19.63 23.08
iv (a) Amount of gross non-performing assets 3151.68 3456.19 3151.68 3456.19 3321.81
(b) Amount of net non-performing assets 575.63 821.09 575.63 821.09 619.64
(c) % of gross NPAs to gross Advances 5.74 8.31 5.74 8.31 7.30
<(d) % of net NPAs to net Advances 1.10 2.11 1.10 2.11 1.45
v Return on Assets (annualised) % 0.79 0.32 0.84 0.88 0.75
8 Aggregate of Non Promoter Shareholding
Number of shares 97265500 97263600 97265500 97263600 97265400
Percentage of shareholding 33.17 33.17 33.17 33.17 33.17

Notes forming part of the financial results for the Quarter / Nine Months Ended 31.12.2005.

  • The above finacial results have been taken on record by the Board of Directors at its meeting held on 27/01/2006. The same has been subjected to a "Limited Review" by Statutory Central Auditors as per the listing agreements.
  • There has been no change in the Accounting Policies adopted during the period up to 31st December 2005 compared to those followed in the immediately preceding financial year 2004-05, other than implemnetation of Accounting Standard (AS-11) relating to the "Effect of changes in foreign exchnage" in place of FEDAI guidelines. Net loss of Rs.7.98 Crore for the quarter ended December 2005 and net loss of Rs.11.14 Crore for nine months ended December 2005 has been accounted in the books as Loss on revaluation of foreign currency assets and liabilities. Pending Reconciliaiton of Foreign Currency Nostro/Mirror accounts a provision for revaluation of Rs.44.09 crores has been made during the quarter ended 31.12.05.
  • Reconciliation / balancing of debit and credit outstanding entries in various heads of accounts, included in Inter office adjustments, NOSTRO, Drafts / TTs payable, Clearing Adjustments (including interse the Bank's Overseas Branches and those with Position Maintaining Offices in India), Dividend / Interest / Refund Orders Paid / Payable etc. is in progress.
  • The financial results for the quarter / nine months ended 31.12.05 have been arrived at after considering provisions for Non Performing Assets, Standard Assets and depreciation on Investments on the basis of prudential norms issued by RBI. Provision for taxes (including deferred tax and fringe benefit tax) and contingencies including for retirement benefits viz., gratuity, pension, leave encashment benefit of employees etc., have been considered on estimated basis.
  • In terms of RBI Guidelines, the bank has, during the quarter ended June 05, transferred a portion of Govt. Securities (SLR) kept in "Available for Sale" category to "Held to Maturity" category. The resultant depreciation of Rs.259.98 crores has been charged to the Profit and Loss A/c.
  • Provisions and contingenices for the quarter under review has been arrived at after writing back a sum of Rs.72.93 Crores from its existing provisions against non performing assets which were in excess of the regulatory requirement. The balance of floating provisions as at 31.12.2005 stands at Rs. 390.50 Crore.
  • In terms of RBI's letter dated 20.12.2005, the bank has accounted for Rs.42.49 Crore pertaining to the net credit balances of entries originated in Inter Branch account upto 31st March 1999 as Miscellaneous Income. The same would be appropriated to General Reserve and Statutory Reserves.
  • Status of Investor's complaints:
    Pending at the beginning of the quarter Nil
    Received during the quarter 86
    Disposed off during the quarter 86
    Pending at the close of the quarter Nil

Segment Reporting For The Quarter / Half Year Ended 31.12.2005

Part A - Business Segments

Sr. No. Particulars Quarter Ended 31.12.05 (Reviewd) Quarter Ended 31.12.04 (Reviewd) Nine Months Ended 31.12.05 (Reviewd) Nin Months Ended 31.12.04 (Reviewd) Year Ended 31.03.05 (Audited)
1 Segment Revenue
(a) Treasury Operations 937.45 969.81 2857.76 3174.47 4085.53
(b) Other Banking Operations 1110.21 906.87 3075.50 2532.82 3650.71
Total 2047.66 1876.68 5933.26 5707.29 7736.24
2 Segment Results
(a) Treasury Operations 67.79 -166.74 167.35 416.85 (295.06)
(b) Other Banking Operations 375.23 300.88 945.50 668.69 1279.40
Total 443.02 134.14 1112.85 1085.54 984.34
Unallocated expenditure 158.84 114.40 260.58 327.24 121.22
Profit before Tax 284.18 19.74 852.27 758.30 863.12
Provision for Tax 82.00 -49.76 234.08 182.50 186.28
Net Profit 202.18 69.50 618.19 575.80 676.84
3 Other Information
Segment Assets
(a) Treasury Operationas 43358.97 46079.81 43358.97 46079.81 42998.19
(b) Other Banking Operations 58678.94 44833.63 58678.94 44833.63 49197.76
Total 102037.91 90913.44 102037.91 90913.44 92195.95
Unallocated Assets 1756.65 1799.34 1756.65 1799.34 2468.29
Total 103794.56 92712.78 103794.56 92712.78 94664.24
Segment Liabilities
(a) Treasury Operations 42628.78 44731.18 42628.78 44731.18 42215.54
(b) Other Banking Operations 51422.97 38684.94 51422.97 38684.94 41915.38
Total 94051.75 83416.12 94051.75 83416.12 84130.92
Unallocated Liabilities 9742.81 9296.66 9742.81 9296.66 10533.32
Total 103794.56 92712.78 103794.56 92712.78 94664.24

Part B - Geographic Segments

Sr. No. Particulars Quarter Ended 31.12.05 (Reviewd) Quarter Ended 31.12.04 (Reviewd) Nine Months Ended 31.12.05 (Reviewd) Nin Months Ended 31.12.04 (Reviewd) Year Ended 31.03.05 (Audited)
1
Revenue
(a) Domestic 1830.39 1715.81 5343.69 5255.03 7128.51
(b) International 217.27 160.87 589.57 452.26 607.73
Total 2047.66 1876.68 5933.26 5707.29 7736.24
2 Assets
(a) Domestic 88190.99 80040.52 88190.99 80040.52 80114.11
(b) International 15603.57 12672.26 15603.57 12672.26 14550.13
Total 103794.56 92712.78 103794.56 92712.78 94664.24

Notes on Segment Reporting

  • As per guidelines of RBI on compliance with Accounting Standards, Bank has adopted "Treasury Operations" and "Other Banking Opertions" as Primary business segments and "Domestic" and "International" as secondary / geographic segments for the purpose of compliance with AS-17 on Segment Reporting issued by ICAI.
  • In determining the segment results, the funds transfer price mechanism followed by the bank has been used.
  • Segment revenue represents revenue from external customers.

Place :Mumbai
Date :27.01.2006

Sr No. Particulars Quarter Ended 30.09.05 (Reviewed) Quarter Ended 30.09.04 (Reviewed) Half Year Ended 30.09.05 (Reviewed) Half Year Ended 30.09.04 (Reviewed) Full Year Ended 31.03.05 (Audited)
1. Interest earned (a+b+c+d) 1694.04 1548.14 3367.28 3076.55 6431.41
a) Interest / discount on advances / bills 887.46 712.00 1723.79 1423.13 2902.75
b) Income on Investments 735.73 732.17 1486.30 1459.45 2988.98
c) Interest on balance with RBI and other inter-bank funds 64.21 66.35 130.38 120.95 235.46
d) Others 6.64 37.62 26.81 73.02 304.22
2. Other income 309.55 359.47 518.32 754.06 1304.83
A TOTAL INCOME (1+2) 2003.59 1907.61 3885.60 3830.61 7736.24
3. Interest expended 912.28 859.85 1826.82 1705.22 3452.15
4. Operating Expenses (e+f) 595.99 497.85 1107.84 978.99 1982.18
e) Payments to and Provisions for employees 411.43 340.79 741.80 685.79 1381.05
f) ther Operating expenses 184.56 157.06 366.04 293.20 601.13
B TOTAL EXPENDITURE (3+4) (Excluding Provisions & Contingencies) 1508.27 1357.70 2934.66 2684.21 5434.33
C OPERATING PROFIT (A-B) ( Profit before Provisions & Contingencies) 495.32 549.91 950.94 1146.40 2301.91
D Provisions & Contingencies 125.70 245.69 382.85 407.84 1438.79
---of which provision for Non performing assets 104.88 155.78 144.16 226.98 456.21
E Provision for taxes 110.55 90.91 152.08 232.26 186.28
F NET PROFIT (C-D-E) 259.07 213.31 416.01 506.30 676.84
5. Paid up Equity Share capital 294.53 294.53 294.53 294.53 294.53
6. Reserves (excluding revaluation reserves) (as per Balance Sheet of previous accounting year) 5096.47 4587.13 5096.47 4587.13 5096.47
7. Analytical Ratios
I Percentage of Shares held by Government of India 66.83% 66.83% 66.83% 66.83% 66.83%
ii Capital Adequacy Ratio (%) 12.79 13.97 12.79 13.97 12.61
iii Earning per Share (Rs.) (not annualised) (Face Value Rs.10/- each) 8.83 7.27 14.19 17.26 23.08
iv (a) Amount of gross non-performing assets 3234.96 3725.08 3234.96 3725.08 3321.81
(b) Amount of net non-performing assets 547.27 833.43 547.27 833.43 619.64
(c) % of gross NPAs 6.34 9.41 6.34 9.41 7.30
(d) % of net NPAs 1.13 2.27 1.13 2.27 1.45
v Return on Assets (annualised) 1.05 1.01 0.85 1.19 0.75
8 Aggregate of Non Promoter Shareholding
Number of shares 97265400 97263600 97265400 97263600 97265400
Percentage of shareholding 33.17 33.17 33.17 33.17 33.17

Notes forming part of the financial results for the Quarter / Half Year Ended 30.09.2005.

  • The above results have been taken on record by the Board at its meeting held on 28-10-2005. The same has been subjected to Limited Review by Statutory Central Auditors.
  • The working results for the quarter / half year ended 30.09.05 have been arrived at after considering provision for NPAs, Standard Assets and depreciation/provision for Investments on the basis of prudential norms issued by RBI.Provision for taxes (including deferred tax) and contingencies including for retirement benefits viz., gratuity, pension, leave encashment benefit of employees etc., have been considered on estimated basis.
  • The bank has revised its Accounting Policy on Accounting for effect on changes in Foreign Currencies as per AS 11 issued by the Institute of Chartered Accountants of India. Net gain of Rs.1.25 crores for quarter ended Sept. 05 and net loss of Rs.3.18 crores for Half Year ended Sept. '05 has been accounted in the books as Gain / Loss on revaluation of foreign currency assets and Liabilities.
  • In terms of RBI Guidelines, the bank has, during the quarter ended June 05, transferred a portion of Govt. Securities (SLR) kept in "Available for Sale" category to "Held to Maturity" category. The resultant depreciation of Rs.259.98 crores has been charged to the Profit and Loss A/c .
  • Status of Investor's complaints:
    Pending at the beginning of the quarter Nil
    Received during the quarter 58
    Disposed off during the quarter 58
    Pending at the close of the quarter Nil

Segment Reporting For The Quarter / Half Year Ended 30.09.2005

Part A - Business Segments

Sr. No. Particulars Quarter Ended 30.09.05 (Reviewed) Quarter Ended 30.09.04 (Reviewed) Half Year Ended 30.09.05 (Reviewed) Half Year Ended 30.09.04 (Reviewed) Year Ended 31.03.05 (Audited)
1 Segment Revenue
(a) Treasury Operations 983.63 1124.57 1920.31 2202.66 4085.53
(b) Other Banking Operations 1019.95 783.04 1965.28 1625.95 3650.71
Total 2003.58 1907.61 3885.59 3830.61 7736.24
2 Segment Results
(a) Treasury Operations 148.37 246.28 99.57 583.59 (295.06)
(b) Other Banking Operations 273.77 (21.39) 570.26 367.81 1279.40
Total 422.14 224.89 669.83 951.40 984.34
Unallocated expenditure 52.52 (79.33) 101.74 212.84 121.22
Profit before Tax 369.62 304.22 568.09 738.56 863.12
Provision for Tax 110.55 90.91 152.08 232.26 186.28
Net Profit 259.07 213.31 416.01 506.30 676.84
3 Other Information
Segment Assets
(a) Treasury Operations 45803.93 47385.88 45803.93 47385.88 42998.19
(b) Other Banking Operations 54106.93 42118.84 54106.93 42118.84 49197.76
Total 10.89996 89504.72 99910.86 89504.72 92195.95
Unallocated Assets 1732.23 1695.00 1732.23 1695.00 2468.29
Total 101643.09 91199.72 101643.09 91199.72 94664.24
Segment Liabilities
(a) Treasury Operations 45669.07 46930.49 45669.07 46930.49 42215.54
(b) Other Banking Operations 46649.35 35562.26 46649.35 35562.26 41915.38
Total 92318.42 82492.75 92318.42 82492.75 84130.92
Unallocated Liabilities 9324.67 8706.97 9324.67 8706.97 10533.32
Total 101643.09 91199.72 101643.09 91199.72 94664.24

Part- B : Geographic Segments

Sr. No. Particulars Quarter Ended 30.09.05 (Reviewed) Quarter Ended 30.09.04 (Reviewed) Half Year Ended 30.09.05 (Reviewed) Half Year Ended 30.09.04(Reviewed) Year Ended 31.03.05 (Audited)
1 Revenue
(a) Domestic 1815.81 1748.16 3513.30 3539.22 7128.51
(b) International 187.78 159.45 372.30 291.39 607.73
Total 2003.59 1907.61 3885.60 3830.61 7736.24
2 Assets
(a) Domestic 86356.09 78468.35 86356.09 78468.35 80114.11
(b) International 15286.99 12731.37 15286.99 12731.37 14550.13
Total 101643.09 91199.72 101643.09 91199.72 94664.24

Notes on Segment Reporting

  • As per guidelines of RBI on compliance with Accounting Standards, Bank has adopted "Treasury Operations" and "Other Banking Opertions" as Primary business segments and "Domestic" and "International" as secondary / geographic segments for the purpose of compliance with AS-17 on Segment Reporting issued by ICAI.
  • In determining the segment results, the funds transfer price mechanism followed by the bank has been used.
  • Segment revenue represents revenue from external customers.

Place: Mumbai
Date: 28.10.2005

Sr No. Particulars Quarter Ended 30.06.2005 (Reviewed) Quarter Ended 30.06.2004 (Reviewed) Full Year Ended 31.03.2005 (Audited)
1 Interest earned (a+b+c+d) 1673.24 1528.41 6431.41
a) Interest/discount on advances/bills 836.33 711.13 2902.75
b ) Income on Investment 750.57 727.28 2988.98
c) Interest on balances with RSI and ether inter-bank funds 66.17 54.60 235.46
d) Others 20.17 35.40 304.22
2 Other income 208.77 394.59 1304.83
A TOTAL INCOME (1+2) 1882.01 1923.00 7736.24
3 Interest expended 914.54 945.37 3452,15
4 Operating Expenses (e+f) 511.85 481.14 1982.18
e) Payments to and Provisions (or employees 330.37 345.00 1381.05
f) Other Operating expenses 181.48 136.14 601.13
B TOTAL EXPENDITURE (3+4) {Excluding Provisions & Contingencies) 1426.39 132G.51 5434.33
C OPERATING PROFIT (A-B) (Profit before Provisions & Contingencies) 455.62 596.49 2301.91
D Provisions & Contingencies 257.15 162.15 1438.79
—of which provisions for Non Performing Assets 39.28 71.20 456.21
E Provision for taxes 41.53 141.35 166.28
F NET PROFIT (C-D-E) 156.94 292.99 676.84
5 Paid-up Equity Share Capital 294.53 294.53 294.53
6 Reserves (excluding revaluation reserves) 5096.47 4587.13 5096.47
(as per Balance Sheet of previous accounting year)
7 Analytical Ratios
i Percentage of Shares held by Government of India 66.83% 66.83% 66.83%
ii Capital Adequacy Ratio {%) 11.99 13.97 12.61
iii Earning Per Share {Rs.) 5.35 9.99 23.08
(not annuallsed) {face value Rs. 10/- each)
iv {a) Amount of gross non-performing assets 3371.37 4111.30 3321.81
(b) Amount of net non-performing assets 647.39 1056.25 619.64
(c) % of gross NPAs 7.21 10.41 7.30
(d) % of net NPAs 1.47 2.90 1.45
v Return on Assets (annualised) 0.66 1.36 0.75
8 Aggregate of Non Promoter Shareholding
Number of shares 97265400 97263000 97265400
Percentage of shareholding 33.17 33.17 33.17

Notes forming part of the financial results for the Quarter Ended 30.06.2005.

  • The above results have been taken record by the Board at its meeting held on 28.07.2006.
  • Working results for the quarter ended 30 06.05 Mare teen arrived at after considering provision (or NPA's Standard Assets and depreciation on Investments on the basis of prudential

norms issued by RBI.

Provision for taxes (including deferred tax) and contingencies including gratuity, pension, leaves encashment benefit of employees etc., have been considered on estimated basis.

  • During the quarter, the bank has revised its Accounting Policies on Accounting for effect on changes in Foreign Currencies as pe r AS 11 issued by the Institute of Chartered Accountants of
  • India and the net loss of Rs. 4.42 crores has been accounted in the books as Loss on revaluation of foreign currency assets and Liabilites.
  • In terms of RBI Guidelines, the bank has during the quarter transferred a portion of Govt. Securities (SLR) kept In 'Available e for Sale 1 category to 'Held to Maturity 1 category. The resultant depreciation of Rs. 259.98 crores has been charged to the Profit and Loss A/C.

Status of investor 1 * complaints.

  • Pending at the beginning of the quarter Nil
  • Received during the quarter 35
  • Disposed off during the quarter 35
  • Pending at the close of the charter Nil

Segment Reporting For The Quarter Ended 30th June 2005

Part A - Business Segments

Sr. No. Particulars Quarter Ended Quarter Ended Year ended
30.06.2005 30.06.2004 31.03.2005
1 Segment Revenue
(a) Treasury Operations 936.68 1080.09 4085.53
(b)Other Banking Operations 945.33 842.91 3650.71
Total 1882.01 1923.00 7736.24
2 Segment Results
(a) Treasury Operations (48 81) 337.31 (295.06)
(b) Other Banking Operations 296.49 389 20 1279.40
Total 247.69 726.51 984.34
Unallocated expenditure 49,22 292.17 121.22
Profit before Tax 198.47 43434 863.12
Provision for Tax 41 53 141 35 186 28
Net Profit 156.94 292.99 676.84
3 Other Information
Segment Assets
(a) Treasury Operations 44282 97 44138.72 42998 19
(b) Other Banking Operations 49189.75 41672 10 49197.76
Total 93472.72 85810.82 92195.95
Unallocated Assets 1411.08 1595.26 2468.29
Total 94883 80 87406 08 94664.24
Segment Liabilities
a) Treasury Operations 43677.26 43308.30 42215.54
(b) Other Banking Operations 42908 38 35580.33 41915.38
Total 86585.64 78888.63 84130.92
Unallocated Liabilities 8298.16 8517.45 10533 32
Total 94883.80 87406.08 94664.24

Part B - Geographic Segments

Sr No. Quarter Ended 30.06.2005 Quarter Ended 30.06.2004 Full Year Ended 31.03.2005
1 Revenue
(a) Domestic 1697 49 1791 06 7128.51
(b) international 184 52 131.94 607.73
Total 1882.01 1923.00 7736.24
2 Assets
[a) Domestic 81644 17 75367.36 80114.11
(B) International 13239.63 12038.72 14550.13
Total 94883.80 87406. 08 94664.24

Notes on Segment Reporting:

As per guidelines of RBI on compliance with Accounting Standards, Bank has adopted “Treasury Operations” and “Other Banking Operations” as primary business segments and “Domestic” and “International” as Secondary/geographic segments for the purpose of compliance with AS-17 Segment Reporting issued by ICAI.

In determining the segment results, the funds transfer price mechanism followed by the the bank has been used.

Segment revenue represents revenue from external customers.

Place: Mumbai
Date: 28/07/2005

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