1/28/2014

www.vijayabank.com/Userfiles/Financial/12f.htm

Financial Reports
(Rupees in lakhs)

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
02 Other Income
03 TOTAL INCOME (1+2)
04 Interest Expended
05 Operating Expenses (i) + (ii)
(i) Employee costs
(ii) Other operating expenses
06 TOTAL EXPENDITURE (4+5) (Excluding provisions and
contingencies)
07 OPERATING PROFIT (3 6)
(Profit before provisions and contingencies)
08 Provisions (other than tax) and Contingencies
09 Exceptional items
10 Profit/(Loss) from Ordinary Activities before tax (7-8-9)
11 Tax Expenses[(i)+(ii)+(iii)+(iv)]
(i) Current Tax
(ii) Deferred Tax
(iii) Fringe Benefit Tax
(iv) MAT credit
12 Net Profit/(Loss) from Ordinary Activities after tax (10-11)
13 Extraordinary Items (Net of Tax Expense)
14 Net Profit/(Loss) for the period (12-13)
15 Paid up equity share capital
(Face value of each share-Rs.10/-)
16 Reserves excluding Revaluation Reserves (As per Balance
Sheet of previous accounting year)
17 Analytical Ratios
(i) Percentage of shares held by Government of India
(ii) Capital Adequacy Ratio (%)
Basel I
Basel II
(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) (%)
18 Public share holding
- Number of shares
- Percentage of share holding
19 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)
Percentage of shares (as a percentage of total share
capital of the company)

http://www.vijayabank.com/Userfiles/Financial/12f.htm

Quarter ended
(Reviewed)

Half-year Ended
(Reviewed)
30.09.2009 30.09.2008
263848
249687
191132
180120
69506
66426
23
387

Year
ended
(Audited)
31.03.2009
523782
382996
131641
419

30.09.2009
133747
97104
35543
4

30.09.2008
133384
98103
34178
93

1096
12013
145760
97334
25032
16075
8957
122366

1010
7545
140929
106517
19362
11514
7848
125879

3187
28254
292102
193298
54433
36809
17624
247731

2754
18250
267937
200616
36787
21646
15141
237403

8726
69881
593663
411302
92470
59747
32723
503772

23394

15050

44371

30534

89891

10080
13314
2472
2982
(510)
10842
10842
43352

2980
12070
4082
500
3997
85
(500)
7988
7988
43352

6444
37927
12747
15838
(3091)
25180
25180
43352

25512
5022
4698
500
4493
205
(500)
324
324
43352

35741
54150
27902
21843
1273
380
4406
26248
26248
43352

188455

167289

188455

167289

188455

53.87

53.87

53.87

53.87

53.87

12.04

10.41

12.04

10.41

13.08

13.44

13.44

13.15

2.50

1.84

5.81

0.07

6.05

2.50

1.84

5.81

0.07

6.05

109850
54181
2.91
1.46
0.68

64098
26842
1.75
0.74
0.53

109850
54181
2.91
1.46
0.77

64098
26842
1.75
0.74
0.01

69882
29230
1.95
0.82
0.59

200000000
46.13

200000000
46.13

200000000 200000000
46.13
46.13

200000000
46.13

Nil
Nil

Nil
Nil

Nil
Nil

Nil
Nil

Nil
Nil

Nil

Nil

Nil

Nil

Nil
1/3

1/28/2014

www.vijayabank.com/Userfiles/Financial/12f.htm

capital of the company)

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

233.52
100.00

233.52
100.00

233.52
100.00

233.52
100.00

233.52
100.00

53.87

53.87

53.87

53.87

53.87

(Rupeess in lakhs)
SEGMENT-WISE RESULTS, ASSETS AND LIABILITIES FOR THE QUARTER / HALF-YEAR ENDED 30.09.2009
Sl. No.
Particulars
Quarter Ended 30.09.2009
Half-year Ended 30.09.2008
Year Ended
(Reviewed)
(Reviewed)
31.03.2009
(Audited)
30.09.2009
30.09.2008
30.09.2009
30.09.2008
Business Segment #
a) Segment Revenue
i) Treasury Operations
40673
35550
83616
72622
171537
ii) Whole Sale Banking
53128
59450
105877
99523
208541
iii) Retail Banking
43976
38653
85255
80597
174455
iv) Other Banking Operations.
7983
7276
17354
15195
39130
Total
145760
140929
292102
267937
593663
b) Segment Result
i) Treasury Operations
6898
4005
13439
8722
27037
ii) Whole Sale Banking
8983
6825
17017
11923
32841
iii) Retail Banking
7416
4261
13703
9597
27455
iv) Other Banking Operations.
1362
785
2789
1793
6256
Total
24659
15876
46948
32035
93589
c) Unallocated Expenses
1265
826
2577
1501
3698
d) Operating Profit
23394
15050
44371
30534
89891
e) Provisions & Contingencies
10080
2980
6444
25512
35741
f) Income Tax
2472
4082
12747
4698
27902
g) Extraordinary Profit
h) Net Profit
10842
7988
25180
324
26248
i) Other Information
j) Segment Assets
i) Treasury Operations
2485552
1905635
2485552
1905635
2150193
ii) Whole Sale Banking
2351800
2393425
2351800
2393425
2190419
iii) Retail Banking
1668223
1656746
1668223
1656746
1747091
iv) Other Banking Operations.
22207
35112
22207
35112
39917
v) Unallocated Assets
92585
117444
92585
117444
110640
Total Assets
6620367
6108362
6620367
6108362
6238260
k) Segment Liabilities
i) Treasury Operations
2391696
1865011
2391696
1865011
2078507
ii) Whole Sale Banking
2262995
2342403
2262995
2342403
2117392
iii) Retail Banking
1605229
1621428
1605229
1621428
1688845
iv) Other Banking Operations.
21368
34362
21368
34362
38586
v) Unallocated Liabilities
339079
245158
339079
245158
314930
Total Liabilities
6620367
6108362
6620367
6108362
6238260
# The Bank operates only in domestic segment.
NOTES:
1. The Bank has followed the same Accounting Policies in preparation of these financial statements as were followed in the Annual financial
statements for the year ended 31 st March, 2009
2. The above results have been subjected to limited review by the Statutory Central Auditors and were taken on record by the Board of Directors
of the bank at its meeting held on 29.10.2009.
3. Working results for the quarter / half-year ended 30.09.2009 have been arrived at after making necessary provisions.
4. Pending finalization at Industry level settlement and wage revision, a sum at Rs.20 Crore has been provided for on an estimated basis during
the quarter towards arrears and included under Employees cost. The total provision on this account is Rs.85 crore during the half-year. Provision
for staff retirement benefits are provided for the half-year ended 30th September 2009 on an estimated basis.
5. In terms of Agricultural Debt Waiver and Debt Relief Scheme, 2008 framed by the Government of India, the Bank has made provision for
inadmissible interest, expenses and differential amount of eligible claim based on the Certification by Statutory Central Auditors. The Final claim
of Rs.147.12 Crore is submitted to Reserve Bank of India being the amount waived after due verification by the Statutory Central Auditors of the
Bank and a difference of Rs.5.95 crore has been written off during the half-year, out of which the Bank has received Rs.36.33 crore during the halfyear ended 30th September 2009.
6. In one account, which has been declared as sub-standard asset, the provision has been made to the extent of Rs.130.42 crore, and the
balance of Rs.130.42 crore to be provided by the year-end, as permitted by RBI.
7. The audit qualification as at March 31, 2009 with regard to provision towards diminution in the fair value of restructured advances has been
complied with by making adequate provision.
8. The figures of the previous period have been regrouped / rearranged, wherever necessary
http://www.vijayabank.com/Userfiles/Financial/12f.htm

2/3

1/28/2014

9.

www.vijayabank.com/Userfiles/Financial/12f.htm

The number of shareholders' complaints pending is Nil. Number of complaints received and resolved during the quarter are 291.

Place : Bangalore
Date : 29th October, 2009

S.C. KALIA
Executive Director

ALBERT TAURO
Chairman & Managing
Director

Copyright 2012 Vijaya Bank. All rights reserved.

http://www.vijayabank.com/Userfiles/Financial/12f.htm

3/3