Rs. in Crore)
Half Year ended 30.09.2013
|
Half Year ended 30.09.2012
|
% Growth (YoY)
| |
Total Income
|
10243.41
|
9516.94
|
7.63%
|
Net Interest Income
|
2587.97
|
2282.94
|
13.36%
|
Non Interest Income
|
849.92
|
815.20
|
4.26%
|
Operating Profit
|
1913.35
|
1817.77
|
5.26%
|
Net Profit
|
604.79
|
693.61
|
-12.81%
|
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|
Sep,2013
|
Sep,2012
|
Growth (YoY)
|
Business Mix
|
3,04,919
|
2,83,019
|
7.74%
|
Total Deposits
|
1,75,153
|
1,64,175
|
6.69%
|
Total Advances
|
1,29,766
|
1,18,844
|
9.19%
|
Core Deposits
|
1,48,664
|
1,27,655
|
16.46%
|
CASA Deposits
|
42,979
|
39,621
|
8.48%
|
Retail Advances
|
15,197
|
13,145
|
15.61%
|
Priority Sector Advances
|
46,435
|
42,073
|
10.37%
|
Total Agriculture Advances
|
17,478
|
16,062
|
8.82%
|
Direct Agriculture Advances
|
14,389
|
12,565
|
14.51%
|
CD Ratio
|
74.15%
|
72.49%
|
166 bps
|
Cost of Deposits -HY
|
7.65%
|
7.96%
|
-31 bps
|
Net Interest Margin (NIM)-HY
|
2.87%
|
2.79%
|
8 bps
|
Business per Employee
|
15.62
|
15.04
|
3.83%
|
Book Value per Share (in Rs.)
|
423.44
|
389.06
|
8.84%
|
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Q2
FY-2013-14
|
Q2
FY-2012-13
|
% Growth (YoY)
|
Total Income
|
4987.71
|
4821.37
|
3.45%
|
Net Interest Income
|
1280.94
|
1157.11
|
10.70%
|
Non Interest Income
|
311.87
|
406.79
|
-23.33%
|
Operating Profit
|
825.08
|
921.24
|
-10.44%
|
Net Profit
|
251.41
|
302.19
|
-16.80%
|
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Capital Adequacy of the Bank underBASEL III-11.43% (Tier I : 8.91%, Tier II : 2.52%)
The Govt. of India has decided to infuse further capital funds to the tune of Rs.150 Crore by way of preferential allotment of equity during the current financial year.
The Bank has slashed Rate of Interest on Personal Loans, Consumer Durable Loans and Commercial Vehicle Financing by 25 bps w.e.f.10.10.2013.
ࠊ36 New Branches (including 25 Branches in Rural Unbanked Areas) opened and ࠠࠠࠠ122 new ATMs installed during the quarter. Total Delivery Channels of the Bank stood at 3756 (2059 Branches and 1697 ATMs).
The Bank has opened a New Regional Office at Raipur in Chhattisgarh for better administrative control and to reach unbanked areas. With this, the total number of Regional Offices of the Bank stands at 34.
The Customer Base of the Bank has increased to 21 million.
During the half year, 1018
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