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REVIEWED FINANCIAL RESULTS FOR THE QUARTER ENDED 31 TH DECEMBER, 2011       Rs. in Lakhs

Sl. No.
Particulars
Quarter ended
(Reviewed)
Nine Months ended
(Reviewed)
Year
Ended
(Audited)
31.12.2011
30.09.2011
31.12.2010
31.12.2011
31.12.2010
31.03.2011
01
Interest earned [(a)+(b)+(c)+(d)]
205826
199266
148251
583588
423528
584406
 
 (a) Interest/discount on advances/bills
156988
150255
103687
440321
301497
419190
 
 (b) Income from investments
47602
45833
42831
138068
118492
161101
 
 (c) Interest on balances with Reserve Bank of India and other inter bank funds
32
2
54
52
65
126
 
 (d) Others
1204
3176
1679
5147
3474
3989
02
Other Income
11566
10567
10189
38977
39030
53318
03
TOTAL INCOME (1+2)
217392
209833
158440
622565
462558
637724
04
Interest Expended
158366
147931
94619
442491
276684
389729
05
Operating Expenses (i) + (ii)
28852
27928
31161
83375
92203
143328
 
(i) Employee costs
17045
16517
20820
50510
62336
101044
 
(ii) Other operating expenses
11807
11411
10341
32865
29867
42284
06
TOTAL EXPENDITURE (4+5) (Excluding provisions and contingencies)
187218
175859
125780
525866
368887
533057
07
OPERATING PROFIT (3 –6)
(Profit before provisions and contingencies)
30174
33974
32660
96699
93671
104667
08
Provisions (other than tax) and Contingencies
16724
9587
11480
49440
27712
43870
09
Exceptional items
-
-
-
-
-
-
10
Profit/(Loss) from Ordinary Activities before tax (7-8-9)
13450
24387
21180
47259
65959
60797
11
Tax Expenses
1023
4034
6000
7257
19000
8415
12
Net Profit/(Loss) from Ordinary Activities after tax (10-11)
12427
20353
15180
40002
46959
52382
13
Extraordinary Items (Net of Tax Expense)
-
                         -                       -
-
-
-
-
14
Net Profit/(Loss) for the period (12-13)
12427
20353
15180
40002
46959
52382
15
Paid up equity share capital
(Face value of each share-` 10/-)
47267
47267
43352
47267
43352
47267
16
Reserves excluding Revaluation Reserves (As per Balance Sheet of previous accounting year)
285050
285050
222995
285050
222995
285050
17
Analytical Ratios
 
 
 
 
 
 
 
(i)   Percentage of shares held by Government of India
57.69
57.69
53.87
57.69
53.87
57.69
 
(ii) Capital Adequacy Ratio (%)
 
 
 
 
 
 
 
       Basel I
10.94
11.27
12.85
10.94
12.85
12.59
 
       Basel II
12.39
12.63
13.67
12.39
13.67
13.88
 
(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)
2.63
4.31
3.09
8.46
9.83
9.89
 
      (b) Basic and Diluted EPS after Extraordinary Items for the period, for the
           year to date and for the previous year
2.63
4.31
3.09
8.46
9.83
9.89
 
(iv) NPA Ratios
 
 
 
 
 
 
 
      a) Amount of Gross Non Performing Assets
166717
138118
107290
166717
107290
125919
 
      b) Amount of Net Non Performing Assets
99710
76115
59854
99710
59854
74116
 
      c) Percentage of Gross Non Performing Assets
2.98
2.54
2.46
2.98
2.46
2.56
 
      d) Percentage of Net Non Performing Assets
1.81
1.42
1.38
1.81
1.38
1.52
 
(v) Return on Assets (Annualised) (%)
0.55
0.95
0.86
0.62
0.88
0.72
18
Public share holding
 
 
 
 
 
 
 
      - Number of shares
200000000
200000000
200000000
200000000
200000000
200000000
 
      - Percentage of share holding
42.31
42.31
46.13
42.31
46.13
42.31
19
Promoters and Promoter Group Shareholding
 
 
 
 
 
 
 
a) Pledged / Encumbered
 
 
 
 
 
 
 
    Number of Shares
Nil
Nil
Nil
Nil
Nil
Nil
 
Percentage of shares (as a percentage of total shareholding of promoter and promoter group)
Nil
Nil
Nil
Nil
Nil
Nil
 
Percentage of shares (as a percentage of total share capital of the company)
Nil
Nil
Nil
Nil
Nil
Nil
 
b) Non-encumbered
 
 
 
 
 
 
 
    Number of Shares (in million)
272.66
272.66
233.52
272.66
233.52
272.66
 
    Percentage of shares (as a percentage of total shareholding of promoter and promoter group)
100.00
100.00
100.00
100.00
100.00
100.00
 
    Percentage of shares (as a percentage of total share capital of the company)
57.69
57.69
53.87
57.69
53.87
57.69

 (`in lakhs)
SEGMENT–WISE RESULTS, ASSETS AND LIABILITIES FOR THE QUARTER AND NINE MONTHS ENDED 31.12.2011
Sl. No.
Particulars
Quarter Ended 31.12.2011
(Reviewed)
Quarter Ended 30.09.2011 (Reviewed)
Quarter Ended 31.12.2010 (Reviewed)
Nine Months Ended 31.12.2011 (Reviewed)
Nine Months Ended 31.12.2010 (Reviewed)
Year Ended 31.03.2011 (Audited)
a)
Segment Revenue #
 
 
i) Treasury Operations
51727
48692
46105
152501
133101
179960
ii) Whole Sale Banking
107184
99079
62619
292623
172890
243502
iii) Retail Banking
49804
51176
41068
                        147698
128607
175687
iv) Other Banking Operations
8679
10886
8648
29745
27960
38575
Total
217394
209833
158440
622567
462558
637724
b)
Segment Result
i) Treasury Operations
7336
8069
9878
24345
27892
30839
ii) Whole Sale Banking
15415
16475
13396
46714
36230
41728
iii) Retail Banking
7055
8505
8823
23578
26950
30106
iv) Other Banking Operations
1192
1810
1862
4749
5861
6610
Total
30998
34859
33959
99386
96933
109283
c)
Unallocated Expenses
824
885
1299
2686
3262
4616
d)
Operating Profit
30174
33974
32660
96699
93671
104667
e)
Provisions & Contingencies
16724
9587
11480
49440
27712
43870
f)
Tax Expenses (including earlier years)
1023
4034
6000
7257
19000
8415
g)
Extraordinary Profit
-
-
-
-
-
-
h)
Net Profit
12427
20353
15180
40002
46959
52382
i)
Other Information
-
j)
Segment Assets
i) Treasury Operations
2999787
2875782
2502484
2999787
2502484
2773703
ii) Whole Sale Banking
4072388
3867561
2898197
4072388
2898197
3408843
iii) Retail Banking
1891026
1918159
1737148
1891026
1737148
1815122
iv) Other Banking Operations
24927
36056
27424
24927
27424
52984
v) Unallocated Assets
139185
130746
99726
139185
99726
118040
Total Assets
9127313
8828304
7264979
9127313
7264979
8168692
k)
Segment Liabilities
i) Treasury Operations
2872530
2750894
2375563
2872530
2375563
2648410
ii) Whole Sale Banking
3899629
3699603
2751206
3899629
2751206
3254860
iii) Retail Banking
1810805
1834858
1649043
1810805
1649043
1733130
iv) Other Banking Operations
23869
34490
26033
23869
26033
50591
v) Unallocated Liabilities
520479
508459
463134
520479
463134
481701
Total Liabilities
9127313
8828304
7264979
9127313
7264979
8168692
# The Bank operates only in domestic segment
   
Place: Bangalore
Date:  31st December, 2011
SHUBHALAKSHMI PANSE
Executive Director
H. S. UPENDRA KAMATH Chairman & Managing Director