Wednesday, October 30, 2013

HIGHLIGHTS OF FINANCIAL RESULTS FOR 30th SEPTEMBER 2013





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.
36 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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