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Business Segment Information
For the year ended 31 March Lending Financial Leasing Investing in Equity Venture Capital Commercial Banking Other Unallocated Eliminations Total
  2010 2009 2010 2009 2010 2009 2010 2009 2010 2009 2010 2009 2010 2009 2010 2009 2010 2009
Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000 Rs 000
Revenue  
Interest income 6,614,618 7,536,486 801,717 992,373 -  -  46,368 78,169 4,235,229 3,212,690 192,563 235,486 -  -  (97,014) (56,271) 11,793,481 11,998,933
Other income 203,909 215,430 -  -  1,095,481 910,789 46,519 45,005 212,251 285,583 255,652 258,362 127,726 221,532 (649,167) (519,441) 1,292,371 1,417,260
Income from external customers 6,818,527 7,751,916 801,717 992,373 1,095,481 910,789 92,887 123,174 4,447,480 3,498,273 448,215 493,848 127,726 221,532 (744,995) (575,712) 13,085,852 13,416,193
Inter segment income -  -  -  -  -  -  -  -  -  -  -  -  - 111,159 - (111,159) -  - 
Total income 6,818,527 7,751,916 801,717 992,373 1,095,481 910,789 92,887 123,174 4,447,480 3,498,273 448,215 493,848 127,726 332,691 (744,995) (686,871) 13,085,852 13,416,193
                                     
Percentage * 52 58 6 7 8 7 1 1 34 26 3 4 6 6  - -  100 100
   
Expense  
Segment losses 223,897 308,117 131,828 190,827 -  11,303 -  30,000 233,571 287,213 -  -  -  589,296 827,460
Depreciation -  -  -  -  -  -  236 714 124,970 101,479 25,396 16,732 150,602 118,925
Other operating & interest expenses 3,965,377 968,675 425,814 98,524 -  -  16,504 31,124 3,291,677 2,666,872 217,799 298,971 (112,560) (56,271) 7,804,611 4,007,895
Inter segment expense -  -  -  -  -  -  -    17,551  3,950  29,075 46,034 (46,626) (49,984) -  - 
4,189,274 1,276,792 557,642 289,351 -  11,303 16,740 61,838 3,667,769 3,059,514 272,270 361,737 (159,186) (106,255) 8,544,509 4,954,280
Result 2,629,253 6,475,124 244,075 703,022 1,095,481 899,486 76,147 61,336 779,711 438,759 175,945 132,111 4,541,343 8,461,913
Unallocated expenses 1,035,187 5,747,541
Value Added Tax on financial services 840,415 658,058
2,665,741 2,056,314
Associate companies profit before tax 1,085,261 1,066,101
Profit before tax 3,751,002 3,122,415
Income tax expense 1,067,232 1,054,844
Profit after tax 2,683,770 2,067,571
Minority interests 103,798 22,865
Profit for the year 2,579,972 2,044,706
                                     
Assets 33,625,936 37,887,730 3,465,729 4,804,430 2,248,527 2,168,420 - 828,166 31,335,584 24,804,733 2,645,439 2,624,287 11,321,320 6,755,382 (1,925,471) (36,378) 82,717,064 79,836,770
                                     
Percentage 41 48 4 6 3 3 - 38 31 3 3 14 8 (2) -  -  100 100
     
Investment in associate company 7,818,997 7,160,671
90,536,061 86,997,441
Liabilities 27,186,587 30,291,925 3,119,156 4,323,987 -  -  -  145,326 28,457,733 22,176,796 1,815,006 1,834,922 10,509,264 8,567,685 (1,925,471) (36,378) 69,162,275 67,304,263
Capital expenditure - additions               198 122,749 176,383 41,128 6,899 57,154 105,082     221,031 288,562