| Results For The nine Months Ended 31 December 2006 |
|
Bank |
|
For the quarter ended |
For the nine months ended |
|
|
|
|
|
| For the six months ended |
30.09.07
Rs 000 |
30.09.06
Rs 000 |
30.09.07
Rs 000 |
30.09.06
Rs 000 |
|
|
|
|
|
| Income |
2,315,583 |
1,556,651 |
4,544,182 |
3,003,926 |
|
|
|
|
|
| Interest income |
2,071,438 |
1,385,827 |
4,097,668 |
2,669,615 |
| Interest income on loans & advances |
1,825,464 |
1,279,327 |
3,580,832 |
2,458,221 |
| Interest income on other interest earning assets |
245,974 |
106,500 |
516,836 |
211,394 |
|
|
|
|
|
| Less : Interest expenses |
1,339,869 |
817,811 |
2,808,658 |
1,545,477 |
| Interest expense on deposits |
376,382 |
137,357 |
989,010 |
258,424 |
| Interest expense on other interest bearing liabilities |
963,487 |
680,454 |
1,819,648 |
1,287,053 |
| Net interest income |
731,569 |
568,016 |
1,289,010 |
1,124,138 |
|
|
|
|
|
| Non interest income |
244,145 |
170,824 |
446,514 |
334,311 |
| Foreign exchange income |
7,602 |
(283) |
15,431 |
1,702 |
| Other income |
236,543 |
171,107 |
431,083 |
332,609 |
|
|
|
|
|
| Less : Non interest expenses |
259,651 |
239,370 |
496,801 |
451,930 |
| Personnel costs |
125,619 |
108,302 |
243,506 |
199,901 |
| Provision for staff retirement benefits |
22,403 |
22,403 |
44,807 |
44,807 |
| Premises, equipment & establishment expenses |
46,089 |
53,739 |
91,162 |
98,718 |
| Loss on trading / investment securities |
0 |
0 |
0 |
0 |
| Other operating expenses |
54,676 |
45,139 |
95,599 |
88,930 |
| Software |
10,864 |
9,787 |
21,727 |
19,574 |
|
|
|
|
|
| Less : Provision for bad & doubtful debts and loans |
60,421 |
2,152 |
124,182 |
(3,318) |
| written off |
|
|
|
|
| Provisions - general |
44,842 |
118 |
88,842 |
2,187 |
| Provisions - specific |
90,256 |
72,212 |
174,466 |
120,239 |
| Recoveries |
(75,001) |
(70,303) |
(139,648) |
(126,519) |
| Loans written off |
324 |
125 |
522 |
775 |
|
|
|
|
|
| Less : Provision for fall in value of dealing & investment |
0 |
0 |
0 |
0 |
| securities losses |
|
|
|
|
|
|
|
|
|
| Operating profit on ordinary activities before taxes |
655,642 |
497,318 |
1,114,541 |
1,009,837 |
|
|
|
|
|
| Less : Value added tax on financial services |
108,840 |
84,312 |
189,165 |
168,626 |
|
|
|
|
|
| Operating profit on ordinary activities before corporate tax |
546,802 |
413,006 |
925,376 |
841,211 |
|
|
|
|
|
| Share of associate companies profit before tax |
- |
- |
- |
- |
| Operating profit before corporate tax |
546,802 |
413,006 |
925,376 |
841,211 |
|
|
|
|
|
| Less : Income tax on profit on ordinary activities |
169,916 |
155,561 |
316,727 |
315,943 |
|
|
|
|
|
| Profit for the period |
376,886 |
257,445 |
608,649 |
525,268 |
| Attributable to |
|
|
|
|
| Equity holders of the Bank |
376,886 |
257,445 |
608,649 |
525,268 |
| Minority interest |
- |
- |
- |
- |
|
|
|
|
|
|
376,886 |
257,445 |
608,649 |
525,268 |
|
|
|
|
|
| Basic earnings per share - Rs |
2.98 |
2.34 |
4.81 |
4.76 |
| Diluted earnings per share - Rs |
2.96 |
2.31 |
4.78 |
4.72 |
|
