|
|
|
| Home > Investor Relations > Balance Sheet and P&L |
|
Quarterly Results & LRR (Clause 41) |
 |
|
| September 10 |
|
BALANCE SHEET AS AT SEPTEMBER 30, 2010 |
| |
Rs in Crores |
As at |
30- Sep -10 |
30-Sep -09 |
FUNDS EMPLOYED |
|
|
|
|
|
SHAREHOLDERS FUNDS |
|
|
Share Capital |
292.02 |
284.90 |
Reserves and Surplus |
16,888.66 |
14,356.49 |
|
17,180.68 |
14,641.39 |
|
|
|
LOAN FUNDS |
|
|
|
|
|
Term Loans |
35,004.30 |
26,867.19 |
Bonds, Debentures, FCCB and Commercial Paper |
47,289.65 |
42,506.34 |
Deposits |
26,881.03 |
20,529.81 |
|
109,174.98 |
89,903.34
|
|
126,355.66 |
104,544.73 |
|
|
|
APPLICATION OF FUNDS |
|
|
LOANS* |
|
|
Individuals |
68,263.49 |
57,067.56 |
Corporate Bodies |
36,522.61 |
30,835.42 |
Others |
15,01.37 |
1,615.89 |
|
106,287.47 |
89,518.87
|
|
|
|
INVESTMENTS |
17,558.990 |
13,310.39
|
|
|
|
DEFERRED TAX ASSET |
311.00 |
228.51 |
|
|
|
CURRENT ASSETS, LOANS AND ADVANCES |
6,642.44 |
5,278.15 |
Less : CURRENT LIABILITIES AND PROVISIONS |
4,667.06 |
3,993.23 |
|
1,975.38 |
1,284.92
|
|
|
|
FIXED ASSETS |
222.82 |
202.04 |
|
126,355.66 |
104,544.73
|
|
|
|
|
|
30-Sep-10 |
30-Sep-09 |
* Excludes Loans off-balance sheet - margin retained over the
life of the loan |
10,293.94 |
7,504.25 |
|
|
|
Loans sold during the last 12 months |
4,857.53 |
6,099.97 |
|
|
|
1 Crore = 10 Million |
|
|
| |
|
| |
PROFIT AND LOSS ACCOUNT FOR THE HALF YEAR ENDED SEPTEMBER 30, 2010 |
|
Rs in crores |
|
2010-11 |
2009-10 |
|
|
|
Income from Operations |
5,703.68 |
5,576.43 |
Interest and Other Charges |
3,437.14 |
3,799.31 |
NET INTEREST INCOME |
2,266.54 |
1,777.12 |
Add: |
|
|
Profit on Sale of Investments |
58.95 |
112.60 |
Other Income |
9.54 |
10.27 |
|
68.49 |
122.87 |
Less Non Interest Expenses |
|
|
Staff Expenses |
92.11 |
75.38 |
Establishment Expenses |
25.83 |
25.95 |
| Other Expenses |
78.54 |
71.37 |
Depreciation |
8.42 |
8.43 |
| Provision for Contingencies |
30.00 |
26.00 |
| |
234.90 |
207.13 |
| |
|
|
PROFIT BEFORE TAX |
2,100.13 |
1,692.86 |
Less : Provision for Tax (Net of Deferred Tax) |
598.00 |
464.00 |
PROFIT AFTER TAX |
1,502.13 |
1,228.86
|
1 Crore = 10 Million |
|
|
|
|
|
|
|
|
|
|
HIGHLIGHTS - SEPTEMBER 30, 2010 |
|
Rs in crores |
|
2010-11 |
2009-10 |
|
|
|
Book Value per Share (Rs)* |
118 |
103 |
|
|
|
Adjusted Book Value (adjusted for unrealised gain on investments) |
277 |
196 |
| |
|
|
Earnings Per Share - (Rs.)* # |
|
|
Basic |
10.33 |
8.62 |
Diluted |
10.16 |
8.39 |
|
|
|
Capital adequacy ratio |
14.1% |
14.9% |
of which Tier I |
13.0% |
13.4% |
Tier II |
1.1% |
1.5% |
|
|
|
| Spread on Loans |
2.34% |
2.20% |
| |
|
|
Non performing loans (90days overdue) |
0.86% |
0.95% |
Non performing loans (six months overdue) |
0.53% |
0.60% |
Provision for contingencies |
726.62 |
671.98 |
| |
|
|
1 Crore = 10 Million |
|
|
| |
*The face value of the equity shares of the Corporation was sub-divided to Rs. 2 per equity share from Rs. 10 per equity share w.e.f. August 21, 2010. Previous year figures have been adjusted to reflect the revised face value. |
| |
# pertains to the half year |
|
|
|
|
|
|
|
|
|
|