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I. INCOME
II. EXPENDITURE
I. INCOME
II. EXPENDITURE
Cash Flow
Parameter MAR'16 MAR'15 Change
( Cr.) ( Cr.) %
- -
Adjustments for Liabilities & Assets 59.10%
277.40 678.24
- 133.00
Cash Flow from operating activities 110.57
335.06 %
609.26
Net increase/(decrease) in cash and cash equivalents 49.89 7.03 %
1,318. 1,311.
Opening Cash & Cash Equivalents 0.54%
72 69
Ratio
Parameter MAR'16 MAR'15
Margin Ratios:
Performance Ratios:
Efficiency Ratios:
Capitalisation Ratios:
Valuation Parameters:
Growth Ratio:
Liquidity Ratios:
Schedule 1: Capital
As at As at
31 Mar, 31 Mar,
2013 2012
Authorised Capital
(500000 shares of Rs. 100 each) 50000 50000
Issued, Subscribed, Called-up and Paid-up
Capital
(100000 shares of Rs. 100 each) 10000 10000
Share Capital Deposit 393967 343967
As at As at
31 Mar, 2013 31 Mar, 2012
General Reserve:
- Opening
Balance
1046102
- Add: Addition during the
1246102 1046102
year 200000
Capital Reserves
Statutory
Reserves
- Opening
Balance
1000
- Add: Addition during the 201000 1000
year 200000
Investment Fluctuation 471 471
Reserve
Balance in Profit & Loss Account 1027306 814744
Total 2474879 1862317
Schedule 3: Deposits
As at As at
31 Mar, 31 Mar,
2013 2012
Demand Deposits:
- From Banks - -
- From Others 683420 399269
1020486
Savings Bank Deposits 9529824
8
Term Deposits:
- From Banks
1760887 1504122
- From Others
8 1
2849716 2497031
Total
6 4
Schedule 4: Borrowings
As at As at
31 Mar, 31 Mar,
2013 2012
i. Borrowings in India:
- From Reserve bank of India - -
- From Other banks (Indian Overseas
4020082 4516843
Bank
1517287 1203143
- Other Institutions and Agencies
8 7
1919296 1654828
Total
0 0
ii. Borrowings outside India - -
Secured Borrowings included in i & ii -
-
above
As at As at
31 Mar, 31 Mar,
2013 2012
i. Bills Payable 103204 135034
ii. Inter Branch Adjustment (Net)
Credit Balance 416341 254647
iii. Interest Accrued 186786 131756
iv. Others (including Provisions 1403125 1095687
Total 2109456 1617124
Schedule 6: Cash on hand and Balance with Reserve Bank
of India
As at As at
31 Mar, 31 Mar,
2013 2012
i. Cash on hand 469133 464013
ii. Balance with Reserve Bank of
India
In Current Accounts 1128403 1162403
In Other Accounts
Total 1597536 1626416
As at As at
31 Mar, 31 Mar,
2013 2012
I. In India
- Balance with Banks
In Current Accounts 262985 170183
In Other Deposit Accounts 7317605 5065151
Total 7580590 5235334
II. Outside India
Grand Total 7580590 5235334
Schedule 8: Investments
As at As at
31 Mar, 31 Mar,
2013 2012
I. Investments In India
i. Government Securities 6074185 5649905
ii. Other Approved Securities
iii. Shares
iv. Debentures and Bonds 10000 11000
v. Subsidiaries and/or/Joint
Ventures
vi. Others (Mutual Funds)
Total 6084185 5660905
II. Investments Outside India
Grand Total 6084185 5660905
Schedule 9: Advances
As at As at
31 Mar, 31 Mar,
2013 2012
I. Advances In India
A.
i. Bills Purchased and
Discounted 37999 58632
ii. Cash Credits, Overdrafts
and Loans repayable on 3372024 2893016
Demand 5 9
iii. Term Loan (net of
unexpired discount Rs. 197
Thousands [ Last year Rs.
218 Thousands]) 1638860 2029144
3539710 3101794
Total
4 5
B.
3497963 3056960
i. Secured Tangible Assets
4 5
ii. Covered by Bank/Govt.
Guarantees
iii. Unsecured 417470 448340
3539710 3101794
Total
4 5
C.
I. Advances in India
3391076 2964269
i. Priority Sectors
6 1
ii. Public Sector
iii. Banks
iv. Others 1486338 1375254
3101794
Total
5
II. Advances outside India -
3539710 3101794
Grand Total
4 5
As at As at
I. 31 Mar, 31 Mar,
2013 2012
i. Land 286 286
ii. Premises
At cost on 31st March 39658 34698
Additions 4345 4960
Deductions
Depreciation to date 5607 3453
Sub Total 38682 36491
II. Other Fixed Assets (including
Furniture and Fixtures)
At cost on 31st March 220287 196387
Additions 22394 24025
Deductions 28 125
Depreciation to date 189259 155709
Sub Total 53394 64578
Total 92076 101069
As at As at
31 Mar, 31 Mar,
2013 2012
i. Inter Branch Adjustment (net)
Debit Balance
ii. Interest Accrued 663839 757042
iii. Tax paid in Advance 592611 501673
iv. Stationery and Stamps 1423 1390
v. Nonbanking assets acquired in
satisfaction of claims
vi. Accumulated Loss
vii. Others 669064 450228
Total 1926937 1710333
As at As at
31 Mar, 31 Mar,
2013 2012
i. Claims against bank not
acknowledged as debt 3164 3164
ii. Liabilities for partly paid
investments
iii. Liabilities on account of
outstanding forward exchange
contract
iv. Guarantee given on behalf of
constituents
a. in India 101
b. Outside India
v. Acceptance, Endorsements and
Other Obligations
vi. Other items for which the Bank is
contingently liable 157661 34124
Total 160825 37389
As at As at
31 Mar, 31 Mar,
2013 2012
i. Interest/Discount on
3941834 2834973
Advances/Bills
ii. Income on Investments 441069 344863
iii. Interest on balance with Reserve
Bank of India and other Inter Bank
Funds 60968 24842
iv. Others
Total 4443871 3204678
As at As at
31 Mar, 31 Mar,
2013 2012
vii. Commission, Exchange and
178645 190046
Brokerage
viii. Profit on Sale of Investments
(net)
ix. Profit on sale of land, building and
other assets 515 539
x. Profit on exchange
transactions
xi. Miscellaneous Income 64774 61233
Total 243934 251818
Schedule 15: Interest Expended
As at As at
31 Mar, 31 Mar,
2013 2012
i. Interest paid on Deposits 1943182 1477011
ii. Interest on Reserve Bank of
India/Inter Bank Borrowings 951515 833827
iii. Others
Total 2894697 2310838
As at As at
31 Mar, 31 Mar,
2013 2012
i. Payment to and provisions for
719459 492892
employees
ii. Rent, Taxes and Lighting
49230 40098
iii. Printing and Stationery Others 3798 5102
iv. Advertisement and Publicity 672 1731
v. Depreciation on Banks Property 35704 35624
vi. Board Expenses 14 180
vii. Auditors Fee and Expenses 3154 2411
viii. Law Charges 2275 1398
ix. Postages, Telegrams, Telephone
etc 18482 16776
x. Repairs and Maintenance 509 746
xi. Insurance 27597 23812
xii. Other Expenditure 182821 72401
Total 1043715 693171