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Financial Reports
Quarter ended
Sl. No.

Particulars

01

Interest earned [(a)+(b)+(c)+(d)]

(a) Interest/discount on advances/bills
(b) Income from investments
(c) Interest on balances with Reserve Bank of
India and other inter bank funds
(d) Others
Other Income
TOTAL INCOME (1+2)
Interest Expended
Operating Expenses (i) + (ii)
(i) Employee costs
(ii) Other operating expenses
TOTAL EXPENDITURE (4+5) (Excluding
provisions and contingencies)
OPERATING PROFIT (3 6)
(Profit before provisions and
contingencies)
Provisions (other than tax) and Contingencies
Exceptional items
Profit/(Loss) from Ordinary Activities
before tax (7-8-9)
Tax Expenses
Net Profit/(Loss) from Ordinary Activities
after tax (10-11)
Extraordinary Items (Net of Tax Expense)
Net Profit/(Loss) for the period (12-13)
Paid up equity share capital
(Face value of each share-` 10/-)
Reserves excluding Revaluation Reserves (As
per Balance Sheet of previous accounting
year)
Analytical Ratios
(i) Percentage of shares held by Government
of India
(ii) Capital Adequacy Ratio (%)
Basel I
Basel II

02
03
04
05

06
07

08
09
10
11
12
13
14
15
16

17

18

19

(iii) Earnings per share (EPS) (Not annualized)

(a) Basic and Diluted EPS before
Extraordinary Items (Net of Tax Expenses
for the period, for the year to date and
for the previous year)
(b) Basic and Diluted EPS after
Extraordinary Items for the period, for the
year to date and for the previous year
(iv) NPA Ratios
a) Amount of Gross Non Performing Assets
b) Amount of Net Non Performing Assets
c) Percentage of Gross Non Performing
Assets
d) Percentage of Net Non Performing
Assets
(v) Return on Assets (Annualised) (%)
Public share holding
- Number of shares
- Percentage of share holding
Promoters and Promoter Group Shareholding
a) Pledged / Encumbered
Number of Shares
Percentage of shares (as a percentage of
total shareholding of promoter and promoter
group)

http://www.vijayabank.com/Userfiles/Financial/1f.htm

30.06.2012 31.03.2012 30.06.2011

(Reviewed) (Reviewed) (Reviewed)
219731
215223
178496
167539
164688
133078
51418
49135
44633
3
(21)
18

Year
ended
31.03.2012
(Audited)
798812
605009
187204
31

771
12263
231994
174226
31881
19948
11933
206107

1421
13813
229036
165968
36720
23482
13238
202688

767
16844
195340
136194
26595
16948
9647
162789

6568
52790
851602
608459
120096
73992
46104
728555

25887

26348

32551

123047

13051
12836

8683
17665

23129
9422

58123
64924

1700
11136

(432)
18097

2200
7222

6825
58099

11136
49554

18097
49554

7222
47267

58099
49554

327915

327915

285050

327915

55.02

55.02

57.69

55.02

11.29
13.18

10.96
13.06

12.27
13.04

10.96
13.06

2.25

2.98

1.53

9.49

2.25

2.98

1.53

9.49

169287
97859
2.85

171846
99801
2.93

144912
83269
2.83

171846
99801
2.93

1.67

1.72

1.65

1.72

0.46

0.78

0.34

0.66

222872258 222872258 200000000 222872258

44.98
44.98
42.31
44.98

Nil
Nil

Nil
Nil

Nil
Nil

Nil
Nil
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group)
Percentage of shares (as a percentage of
total share capital of the company)
b) Non-encumbered
Number of Shares (in million)
Percentage of shares (as a percentage
100.00
of total shareholding of promoter and
promoter group)
Percentage of shares (as a percentage of
total share capital of the company)

Nil

Nil

Nil

Nil

272.66
100.00

272.66
100.00

272.66
100.00

272.66

55.02

55.02

57.69

55.02

(` in lakhs)
SEGMENT-WISE RESULTS, ASSETS AND LIABILITIES FOR THE QUARTER ENDED 30.06.2012
Sl. No.
Particulars
Quarter
Quarter Ended
Quarter
Year Ended
Ended 30.06.2012
31.03.2012 Ended 30.06.2011 31.03.2012(Audited)
(Reviewed)
(Reviewed))
(Reviewed)
a) Segment Revenue #
i) Treasury Operations
55428
53932
52082
206433
ii) Whole Sale Banking
116056
109816
86724
402693
iii) Retail Banking
51646
54829
46900
202645
iv) Other Banking Operations
8864
10459
9634
39831
Total
231994
229036
195340
851602
b) Segment Result

c)
d)
e)
f)
g)
h)
i)
j)

k)

i) Treasury Operations
ii) Whole Sale Banking
iii) Retail Banking
iv) Other Banking Operations
Total
Unallocated Expenses
Operating Profit
Provisions & Contingencies
Tax Expenses
Extraordinary Profit
Net Profit
Other Information
Segment Assets
i) Treasury Operations
ii) Whole Sale Banking
iii) Retail Banking
iv) Other Banking Operations
v) Unallocated Assets
Total Assets
Segment Liabilities
i) Treasury Operations
ii) Whole Sale Banking
iii) Retail Banking
iv) Other Banking Operations
v) Unallocated Liabilities
Total Liabilities

(5104)
14515
9937
7443
26791
904
25887
13051
1700
11136

(12423)
17885
13693
8504
27659
1311
26348
8683
(432)
18097

4658
9667
11132
8071
33528
997
32551
23129
2200
7222

(7328)
48343
52725
33303
127043
3994
123047
58123
6825
58099

3256002
4294001
1924188
19334
149168
9642693

3239941
4240464
1920338
23531
152127
9576401

2863292
3671802
1837778
33080
123701
8529653

3239941
4240464
1920338
23531
152127
9576401

3238414
4051722
1816400
172
535985
9642693

3254770
3992749
1796751
116
532015
9576401

2829865
3480735
1729991
548
488514
8529653

3254770
3992749
1796751
116
532015
9576401

# The Bank operates only in domestic segment.

NOTENOTES:
1. The above financial results have been approved by the Board of Directors of the Bank at its meeting held on 25th July 2012.
2. The Bank has followed the same significant Accounting Policies in the preparation of the interim financial statements as those followed in the
annual financial statements for the year ended 31st March 2012.
3. The above financial results have been subjected to 'Limited Review' by the Statutory Central Auditors of the Bank in terms of RBI guidelines
and SEBI Listing Agreement. An unqualified review report has been issued by them thereon.
4. Working results for the quarter ended on 30.06.2012 have been arrived at after making necessary provisions for Income Tax, provision for
depreciation, provision for employee benefits, provisions for NPAs, Standard Assets and Depreciation on Investment on the basis of prudential
norms issued by the Reserve Bank of India.
5. In accordance with RBI circular DBOD.BP.BC.80/21.04.018/2010-11 dated February 9, 2011, the Bank has to amortize an amount of `. 29.77
crore towards reopening of the pension scheme and enhancement of the gratuity limit, during the quarter ending on 30.06.2012. Accordingly the
Bank has charged a sum of `. 29.77 crore to the Profit & Loss account for the quarter. Remaining unrecognized liability pending amortization is
`.327.56 crore.
6. Provision Coverage Ratio (PCR) is 64.12 % as on 30th June, 2012.
7. The number of investor's complaints pending in the beginning of the quarter is Nil. Number of complaints received and resolved during the
quarter is 528.
Place : Bangalore
Date
: 25th July, 2012
http://www.vijayabank.com/Userfiles/Financial/1f.htm

K. RAMADAS SHENOY
Executive Director

SHUBHALAKSHMI PANSE
Executive Director

H. S. UPENDRA KAMATH
Chairman & Managing
Director

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Executive Director

Director

Copyright 2012 Vijaya Bank. All rights reserved.

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