| |
| |
| * After tax minority interest and preference dividend |
|
Group |
|
For the 3 months ended |
| For the year ended |
31.06.10
Rs 000 |
31.06.09
Rs 000 |
|
|
|
| Income |
7,005,684 |
3,263,320 |
|
|
|
| Interest income |
2,502,757 |
3,081,693 |
| Interest income on loans & advances |
1,702,295 |
2,404,614 |
| Interest income on other interest earning assets |
800,462 |
677,079 |
|
|
|
| Less : Interest expenses |
1,217,625 |
1,918,675 |
| Interest expense on deposits |
547,304 |
815,371 |
| Interest expense on other interest bearing liabilities |
670,321 |
1,103,304 |
| Net interest income |
1,285,132 |
1,163,018 |
|
|
|
| Non interest income |
4,502,927 |
181,627 |
| Foreign exchange income |
(29,610) |
(43,815) |
| Other income |
4,532,537 |
225,442 |
|
|
|
| Less : Non interest expenses |
580,525 |
491,586 |
| Personnel costs |
249,421 |
211,640 |
| Provision for staff retirement benefits |
18,121 |
24,211 |
| Premises, equipment & establishment expenses |
137,511 |
127,631 |
| Loss on trading / investment securities |
0 |
74 |
| Other operating expenses |
158,679 |
113,457 |
| Amortisation of intangible assets |
|
|
| Software |
16,793 |
14,573 |
|
|
|
| Less : Provision for bad & doubtful debts and loans |
349,322 |
177,583 |
| written off |
|
|
| Provisions - general |
(19,726) |
(9,804) |
| Provisions - specific |
548,150 |
296,534 |
| Recoveries |
(179,843) |
(111,634) |
| Loans written off |
741 |
2,487 |
|
|
|
| Less : Provision for fall in value of dealing & investment |
0 |
0 |
| securities losses |
|
|
|
|
|
| Operating profit on ordinary activities before taxes |
4,858,212 |
675,476 |
|
|
|
| Less : Value added tax on financial services |
1,493,511 |
181,762 |
|
|
|
| Operating profit on ordinary activities before corporate tax |
3,364,701 |
493,714 |
|
|
|
| Share of profits of associates* |
200,051 |
214,508 |
|
|
|
| Operating profit before corporate tax |
3,564,752 |
708,222 |
|
|
|
| Less : Income tax on profit on ordinary activities |
218,616 |
201,098 |
|
|
|
| Profit for the period |
3,346,136 |
507,124 |
| Attributable to |
|
|
| Equity holders of the Bank |
3,323,906 |
479,752 |
| Minority interest |
22,230 |
27,372 |
|
|
|
|
3,346,136 |
507,124 |
|
|
|
| Basic earnings per share - Rs |
25.11 |
3.65 |
| Diluted earnings per share - Rs |
25.09 |
3.65 |
|
