xxx

(Rs in MN)
PROFIT & LOSS A/C

2006

2007

2008

2009

INCOME
Interest Income
Other Income
TOTAL INCOME

19928.21
4335.15
24263.36

19928.21
4335.15
24263.36

19928.21
4335.15
24263.36

19928.21
4335.15
24263.36

Interest Expended
Other Operating Expenses
TOTAL OPERATING EXPENSES

9385.08
7152.91
16537.99

9385.08
7152.91
16537.99

9385.08
7152.91
16537.99

9385.08
7152.91
16537.99

PROFIT BEFORE PROVISIONS

Less: Provisions
PROFIT BEFORE TAX
Less: Provision for Tax
PROFIT AFTER TAX
Equity Capital
EPS
NET INTEREST INCOME

40801.35
1906.11
42707.46
1892.86
44600.32
4652.26
95.87
29313.29

40801.35
0.00
40801.35

40801.35
0.00
40801.35

40801.35
0.00
40801.35

40801.35

40801.35

40801.35

#DIV/0!
29313.29

#DIV/0!
29313.29

#DIV/0!
29313.29

4.43

0.00

0.00

0.00

892.15
19.18
2.00

0.00
#DIV/0!
0.00

0.00
#DIV/0!
0.00

0.00
#DIV/0!
0.00

2006

2007.00

2008.00

2009.00

0.00
0.00

0.00
0.00

0.00
0.00

0.00
0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00
0.00

0.00
60.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

60.00

0.00

0.00

0.00

60.00

TAX RATE (%)

Dividend Paid
Dividend (%)
Dividend Payout
BALANCE SHEET
Equity Capital
Reserves & Surplus
NET WORTH
Demand Deposits - From Banks
Demand Deposits - From Others
Savings Banks Deposits
CASA DEPOSITS
Term Deposits - From Banks
Term Deposits - From Others
TOTAL DEPOSITS
ESOP (Outstanding)
Borrowings in India
RBI
Other Banks
Institutions
Borrowings outside India
TOTAL BORROWINGS
OTHER LIABILITIES & PROVs
CAPITAL EMPLOYED
Fixed Assets
Investments
Total Advances
Other Assets
Cash & balances with RBI
Balances with Banks & money at call & short notice

CAPITAL DEPLOYED

Net Interest Income

Net Income
Other Income / Net Income
Operating Exps / Net Income
Credit / Deposit Ratio
Investments / Deposits Ratio
Cost of Funds (as a % of avg assets)
Yield On Funds (as a % of avg assets)
NIM (as a % of avg assets)
Return on Average Assts
Return on Equity
Interest Expended / Interest Earned
Low Cost Deposits (CASA)

GROWTH RATIOS
Deposits
Investments
Advances
Borrowings
NII
Net Income
PAT

YIELDS
Investments
Yield
Avg. Yield
Advances
Yield
Avg. Yield
Deposits
Cost
Avg. Cost

MOVEMENT IN NPAs
GROSS
Opening Balance
Additions during the year
Reductions during the year
Closing Balance (Gross)
NET
Opening Balance
Additions during the year
Reductions during the year
Closing Balance

Gross NPAs / Advances

Net NPAs / Advances
Incremental GNPA / Incremental Advances

0.00

0.00

0.00

60.00

29313.29
33648.44
12.88%
21.26%
#DIV/0!
#DIV/0!

29313.29
33648.44
12.88%
21.26%
#DIV/0!
#DIV/0!

29313.29
33648.44
12.88%
21.26%
#DIV/0!
#DIV/0!

29313.29
33648.44
12.88%
21.26%
#DIV/0!
#DIV/0!

#VALUE!
#VALUE!
47.09%
#DIV/0!

#DIV/0!
#DIV/0!
47.09%
#DIV/0!

#DIV/0!
#DIV/0!
47.09%
#DIV/0!

136013.6%
#DIV/0!
47.09%
#DIV/0!

#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.00%
0.00%
-8.52%

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.00%
0.00%
0.00%

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.00%
0.00%
0.00%

#DIV/0!
#VALUE!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#VALUE!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#VALUE!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

0.0

0.0

0.0

0.0

0.0

0.0

0.0

0.0

#DIV/0!
#DIV/0!
#VALUE!

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

PER SHARE DATA

Book Value
Gross NPAs
Net NPAs
Adjusted Book Value
Earnings

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

0.00%
0.00%
0.00%
0.00%
100.00%
100.00%

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

0.00%
0.00%
0.00%
0.00%
0.00%

SCHEDULES

2006

2007

2008

2009

INTEREST INCOME
Interest / Discount on Advances / Bills
Income on Investments
Interest on balances with RBI & other interbank funds
Others
TOTAL INTEREST INCOME

0.00

0.00

0.00

0.00

OTHER INCOME
Commission, exchange and brokerage
Profit on sale of investments (net)
Loss on revaluation of inv (net)
Profit on sale of assets (net)
Profit on exchange transactions (net)
Lease Income
Misc Income
TOTAL OTHER INCOME

0.00

0.00

0.00

0.00

INTEREST EXPENSES
Interest on Deposits
Interest on RBI / Inter-Bank Borrowings
Others
TOTAL INTEREST EXPENDED

0.00

0.00

0.00

0.00

ASSET COMPOSITION
Fixed Assets
Investments
Advances
Cash & Bank Balances
Other Assets
TOTAL ASSETS
LIABILITIES COMPOSITION
Net Worth
Deposits
Borrowings
Other Liabilities
TOTAL LIABILITIES

OPERATING EXPENSES
Payments to & provisions for employees
Rent, taxes and lighting

Printing & Stationery

Advt., Publicity and Promotion
Depreciation on Bank's property
Director's fees and allowances
Auditors fees
Law charges
Postage, telephone exps
Repairs and maintenance
Insurance
Other Exp
TOTAL OPERATING EXPENSES
Employee Exps / Total Op. Exps.

0.00
#DIV/0!

0.00
#DIV/0!

0.00
#DIV/0!

0.00
#DIV/0!

PROVISIONS
Prov for Depreciation on investment
Prov for NPA
Prov towards Standard Assets
Other Provisions & Contingencies
TOTAL PROVISIONS

0.00

0.00

0.00

0.00

RESERVES & SURPLUS

Statutory Reserve
Capital Reserve
Share Premium Account
Investment Fluctuation Reserve
Balance in P&L Account
TOTAL RESERVES

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

0.00

0.00

0.00

0.00

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

SEGMENT REPORTING
SEGMENT REVENUE
Treasury Operations
Banking Operations
Residual Operations
TOTAL REVENUES
% OF TOTAL REVENUES
Treasury Operations
Banking Operations
Residual Operations

SEGMENT RESULT
Treasury Operations
Banking Operations
Residual Operations
TOTAL
% OF TOTAL PROFITS
Treasury Operations
Banking Operations
Residual Operations

2010

2011

2012E

19928.21
4335.15
24263.36

19928.21
4335.15
24263.36

19928.21
4335.15
24263.36

9385.08
7152.91
16537.99

9385.08
7152.91
16537.99

9385.08
7152.91
16537.99

40801.35
0.00
40801.35
(15504.51)
25296.84

40801.35
0.00
40801.35
(15504.51)
25296.84

40801.35
0.00
40801.35
(15504.51)
25296.84

#DIV/0!
29313.29

#DIV/0!
29313.29

#DIV/0!
29313.29

(38.00)

(38.00)

(38.00)

0.00
#DIV/0!
0.00

0.00
#DIV/0!
0.00

0.00
#DIV/0!
0.00

2010.00

2011.00

2012E

0.00
0.00

0.00
0.00

0.00
0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

2013E

0.00

0.00

0.00

29313.29
33648.44
12.88%
21.26%
#DIV/0!
#DIV/0!

29313.29
33648.44
12.88%
21.26%
#DIV/0!
#DIV/0!

29313.29
33648.44
12.88%
21.26%
#DIV/0!
#DIV/0!

84328.4%
#DIV/0!
47.09%
#DIV/0!

#DIV/0!
#DIV/0!
47.09%
#DIV/0!

#DIV/0!
#DIV/0!
47.09%
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.00%
0.00%
-38.00%

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.00%
0.00%
0.00%

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.00%
0.00%
0.00%

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

0.0

0.0

0.0

0.0

0.0

0.0

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

2010

2011

2012E

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00
#DIV/0!

0.00
#DIV/0!

0.00
#DIV/0!

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

0.00

0.00

0.00

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!