Rs in Lacs

Quarter ended

Quarter ended

Half Year ended

Half Year ended

Previous Year
ended

30.09.2003

30.09.2002

30.09.2003

30.09.2002

31.03.2003

(Reviewed)

(Unaudited)

(Reviewed)

(Reviewed)

(Audited)

1

Interest Earned (a + b + c + d)

44032

42799

86795

84908

177229

a) Interest/Discount o­n
advances/bills

20858

19999

41688

40432

87240

b) Income o­n Investments

22000

21154

42775

41484

83635

c) Interest o­n balances with
Reserve Bank of

1172

1223

2329

2145

4508

India and Other Inter Bank
funds

d) Others

2

423

3

847

1846

2

Other Income

17033

10630

28126

16222

43700

A

TOTAL INCOME (1 + 2)

61065

53429

114921

101130

220929

3

Interest Expended

29254

29481

58373

60275

120419

4

Operating Expenses (e + f)

12212

12897

23710

24320

51127

e) Payments to and
provisions for employees

8030

9856

15852

17845

36603

f) Other operating expenses

4182

3041

7858

6475

14524

B

TOTAL EXPENDITURE (3 +
4) (excluding Provisions and
contingencies)

41466

42378

82083

84595

171546

C

Provisions and Contingencies

8318

8168

17137

12902

32955

- of which provisions for
NPAs

6405

5957

12871

10533

26968

E

Provisions for Taxes

4175

2037

5675

2434

5009

F

Net Profit ( C - D - E )

7106

846

10026

1199

11419

5

Paid-up equity share capital

20682

20682

20682

20682

20682

6

Reserves excluding
revaluation reserves ( as per
balance sheet of previous
accounting year)

65690

(Excluding debit balance in
profit & loss account)

(35234)

7

Analytical Ratios

i) Percentage of Shares held
by Government of India

70.99

70.99

70.99

70.99

70.99

ii) Capital Adequacy ratio %

8.09

7.71

8.09

7.71

6.02

iii) Earning per share (Basic & Diluted) -annualised Rs

13.74

1.64

9.70

1.16

5.52

iv) a. Amount of gross non-
performing assets

162716

183155

162716

183155

161658

b. Amount of net non performing assets

99063

106244

99063

106244

99728

c. %age of gross NPAs

17.99

21.82

17.99

21.82

17.86

d. %age of net NPAs

11.76

13.93

11.76

13.93

11.83

v) Return o­n Assets
(Annualised) %

1.38

0.18

0.99

0.13

0.57

8

Aggregate of Non-Promoter
Share holding

i) Number of shares

60003200

60003200

60003200

60003200

60003200

ii) Percentage of share holding

29.01

29.01

29.01

29.01

29.01

SEGMENT WISE RESULTS

Rs in Crores

Business Segment

Treasury

Other Banking Operations

Total

Particulars

Quarter
Ended
30.09.2003
(Reviewed)

Previous Year
Ended
31.03.2003
(Audited

Quarter
Ended
30.09.2003
(Reviewed)

Previous Year Ended 31.03.2003 (Audited)

Quarter Ended 30.09.2003 (Reviewed)

Previous Year Ended 31.03.2003 (Audited)

Revenue

172.75

502.12

437.97

1,685.17

610.72

2,187.29

Result

44.79

152.96

90.34

141.09

135.13

294.05

Unallocated expenses

xxxxx

xxxxx

xxxxx

xxxxx

21.27

126.98

xxxxx

xxxxx

xxxxx

xxxxx

Operating Profit (Net Profit before Tax)

xxxxx

xxxxx

xxxxx

xxxxx

113.86

167.07

xxxxx

xxxxx

xxxxx

xxxxx

Income Taxes (including DTA)

xxxxx

xxxxx

xxxxx

xxxxx

42.80

74.88

Extraordinary Profit / Loss (unallocated income)

x

x

x

x

0.00

22.00

Net Profit

x

x

x

x

71.06

114.19

OTHER INFORMATION

Segment Assets

5,327.29

4,079.41

14,904.87

14,987.10

20,232.15

19,066.51

Unallocated Assets

xxxxx

xxxxx

xxxxx

xxxxx

706.36

743.11

xxxxx

xxxxx

xxxxx

xxxxx

Total Assets

xxxxx

xxxxx

xxxxx

xxxxx

20,938.51

19,809.62

Segment Liabilities

27.99

30.89

19,860.75

18,879.81

19,888.74

18,910.70

Unallocated Liability

xxxxx

xxxxx

xxxxx

xxxxx

1,049.77

898.92

xxxxx

xxxxx

xxxxx

xxxxx

Total Liabilities

xxxxx

xxxxx

xxxxx

xxxxx

20,938.51

19,809.62