Profit & Loss Account
as on 30th June, 2006
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(Rs. in
thousand) |
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Schedule No. |
As on
30.06.2006 |
As on
30.06.2005 |
As on
31.03.2006 |
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(Unaudited) |
(Unaudited) |
(Audited) |
I. |
INCOME |
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Interest earned |
13 |
655,24,20 |
573,61,87 |
2360,03,31 |
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Other Income |
14 |
63,24,33 |
108,29,82 |
456,96,00 |
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TOTAL: |
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718,48,53 |
681,91,69 |
2816,99,31 |
II. |
EXPENDITURE |
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Interest expended |
15 |
384,25,25 |
324,17,24 |
1339,51,32 |
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Operating expenses |
16 |
174,68,15 |
168,56,85 |
833,62,67 |
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Provisions and
contingencies |
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89,20,05 |
125,67,88 |
439,28,71 |
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TOTAL : |
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648,13,45 |
618,41,97 |
2612,42,70 |
III. |
PROFIT |
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Net Profit for the
quarter/ year |
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70,35,08 |
63,49,72 |
204,56,61 |
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Loss brought forward
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- |
(278,43,69) |
278,43,69 |
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(Less): Set off with
Capital |
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- |
- |
(278,43,69) |
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TOTAL: |
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70,35,08 |
(214,93,97) |
204,56,61 |
IV. |
APPROPRIATION : |
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Transfer to
Statutory Reserve |
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- |
- |
51,14,15 |
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Transfer to Capital
Reserve |
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- |
- |
17,62,26 |
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Dividend Payable to
Govt. of India |
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- |
- |
45,97,29 |
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Tax on Dividend |
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- |
- |
6,44,77 |
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Transfer to Revenue
Reserve |
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- |
- |
83,38,14 |
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Amount of Profit
carried forward to Balance Sheet |
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70,35,08 |
(214,93,97) |
- |
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TOTAL: |
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70,35,08 |
(214,93,97) |
204,56,61 |
SCHEDULE 13 - INTEREST EARNED |
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(Rs. in thousand) |
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As on
30.06.2006 |
As on
30.06.2005 |
As on
31.03.2006 |
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(Unaudited) |
(Unaudited) |
(Audited) |
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I. |
Interest/ discount
on advances/ bills |
342,64,37 |
259,42,69 |
1153,46,32 |
II. |
Income on
investments |
295,14,44 |
308,31,06 |
1165,05,13 |
III. |
Interest
on balances with Reserve Bank of India and other inter-bank funds |
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7,04,59 |
5,19,95 |
25,24,76 |
IV. |
Others |
10,40,80 |
68,17 |
16,27,10 |
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TOTAL: |
655,24,20 |
573,61,87 |
2360,03,31 |
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As on
30.06.2006 |
As on
30.06.2005 |
As on
31.03.2006 |
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(Unaudited) |
(Unaudited) |
(Audited) |
Schedule 14 - Other Income |
I. |
Commission, Exchange
and Brokerage |
23,71,25 |
22,09,70 |
99,18,41 |
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II. |
Profit on sale of
investments |
7,77,69 |
60,75,19 |
191,81,11 |
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Less: Loss on sale
of investment |
- |
- |
(1,16) |
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III. |
Profit on
revaluation of investments |
- |
- |
- |
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Less: Loss on
revaluation of investments |
- |
- |
- |
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IV. |
Profit on sale of
land, buildings and other assets |
42 |
1,07 |
4,08 |
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Less: Loss on sale
of land, buildings and other assets |
(1,24) |
(1,45) |
(4,61) |
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V. |
Profit on exchange
transactions |
3,34,23 |
1,49,71 |
6,19,96 |
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Less: Loss on
exchange transactions |
- |
- |
(1) |
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VI. |
Income earned by way
of dividend etc. |
41,67 |
32,72 |
10,42,84 |
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VII. |
Miscellaneous Income |
28,00,31 |
23,62,88 |
149,35,38 |
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TOTAL: |
63,24,33 |
108,29,82 |
456,96,00 |
Schedule
15 - Interest Expended |
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(Rs. in thousand) |
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As on
30.06.2006 |
As on
30.06.2005 |
As on
31.03.2006 |
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(Unaudited) |
(Unaudited) |
(Audited) |
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I. |
Interest on deposits |
368,68,53 |
314,22,44 |
1289,45,64 |
II. |
Interest on Reserve
Bank of India/ inter-bank borrowings |
41,02 |
2,27 |
6,52,07 |
III. |
Others |
15,15,70 |
9,92,53 |
43,53,61 |
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TOTAL: |
384,25,25 |
324,17,24 |
1339,51,32 |
Schedule
16 - Operating Expences |
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As on
30.06.2006 |
As on
30.06.2005 |
As on
31.03.2006 |
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(Unaudited) |
(Unaudited) |
(Audited) |
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I. |
Payments to and
Provisions for employees |
121,52,84 |
123,39,71 |
628,35,51 |
II. |
Rent, Taxes and
Lighting |
8,49,81 |
768,97 |
34,57,17 |
III. |
Printing and
Stationery |
3,24,48 |
243,95 |
14,02,51 |
IV. |
Advertisement and
Publicity |
87,08 |
82,24 |
5,02,33 |
V. |
Depreciation on
Bank's property |
6,98,80 |
588,42 |
24,43,68 |
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Less: Transfer from
Revaluation Reserve |
(49,74) |
(52,36) |
(2,10,02) |
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6,49,06 |
536,06 |
22,33,66 |
VI. |
Directors' fees,
allowances and expenses |
11,31 |
9,12 |
50,08 |
VII. |
Auditors' fees and
expenses |
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(including branch
auditors' fees and expenses) |
1,52,68 |
1,48,87 |
4,01,65 |
VIII. |
Law Charges |
18,88 |
33,90 |
1,27,08 |
IX. |
Postage, Telegrams,
Telephones etc. |
3,19,69 |
1,66,17 |
7,08,28 |
X. |
Repairs and
maintenance |
1,44,36 |
1,21,04 |
6,74,33 |
XI. |
Insurance |
6,99,31 |
6,12,03 |
25,85,27 |
XII. |
Other
Expenditure |
20,58,65 |
17,94,79 |
83,84,80 |
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TOTAL: |
174,68,15 |
168,56,85 |
833,62,67 |
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