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PERFORMANCE HIGHLIGHTS FOR THE YEAR ENDED MARCH 2011

AUDITED

   

( Rs. in Crores )

Sr. No   March 2011 March 2010
1 Paid-Up Capital 100.00 100.00
2 Reserves 32.95 28.74
3 Networth 132.95 128.74
4 Operating Profit(After deducting provisions for staff related items i.e. Bonus, Pension & Gratuity). 5.25 3.34
5 Net Profit / (Loss) 4.21 3.14
6 Total Deposits 513.27 491.52
7 Aggregate Deposits (excl. inter-bank deposits). 453.27 491.51
8 Total Advances 271.43 207.98
9 Net Advances 269.76 205.10
10 Investments - Net Book Value 285.64 319.24
11 Investments - Market Value 288.45 325.36
12 Average Total Assets 633.34 665.25
13 % of Priority Sector Advances to Net Bank Credit 58.59 33.19

RATIOS

   

( Ratios in % )

Sr. No   March 2011 March 2010
1 Credit Deposit Ratio (%) 59.88 42.31
2 Credit + Investment / Aggregate Deposits 122.90 107.27
3 Average Cost of Deposits  5.47 6.30
4 Average Yield on Advances (including NPAs) 9.70 9.95
5 Yield on Investments (%)(excluding the profit/loss on sale of Investment) 6.02 6.18
6 Net Interest Income / Average Total Assets 1.62 1.12
7 Non-Interest Income / Average Total Assets 0.85 0.88
8 Non-Interest Income / Total Income 12.88 12.68
9 Increase in Non-Interest Income (%) -8.05 89.61
10 Growth in Overheads 4.22 4.08
11 Expense Ratio 66.41 74.89
12 Per Employee Cost [Rs. in lacs] 6.39 6.60
13 Net Profit Per Employee [Rs. in lacs] 5.85 4.43
14 Average Business per Employee [Rs. in Crores] 9.55 10.55
15 Operating Profit / Average Total Assets 0.83 0.50
16 Return on Assets [ROA] 0.63 0.49
17 Return on Equity [ROE] 3.22 2.47
18 Provision Coverage Ratio for NPA (Advances) *100.00 100.00
19 Gross NPAs to Gross Advances (%) 0.75 1.57
20 Net NPAs to Net Advances (%) 0.00 0.00
21 Capital Adequacy (Basel II) (Rs.in Crores)    
  - Tier I Capital
- Tier II Capital
- Total Capital Funds
- Risk Weighted Assets
- Capital Adequacy Ratio (%)
132.82
3.48
136.30
484.08
28.16
128.61
3.45
132.06
483.54
27.31
*after considering Floating Provision to the extent of Rs. 35.63 lacs not considered for Tier-II Capital
 

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