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AUDITED FINANCIAL RESULTS FOR THE HALF YEAR  ENDED DECEMBER 31, 1999

(Rupees in crores)

Sr. No

Particulars

Third quarter ended

Nine-month period ended

Year ended March 31, 1999
Dec.  31, 1999 Dec.  31, 1998 Dec.  31, 1999 Dec.  31, 1998
1. Interest Income 205.50 143.57 593.08 377.73 544.05
2. Other Income 49.15 26.19 104.14 66.67 89.03
3. Total Income 254.65 169.76 697.22 444.40 633.08
4. Interest Expenditure 164.70 115.33 480.78 296.93 425.51
5. Other Expenditure 28.15 16.82 71.48 43.60 65.44
6. Total Expenditure 192.85 132.15 552.26 340.53 490.95
7. Gross Profit before depreciation, provisions and contingencies 61.80 37.61 144.96 103.87 142.13
8. Depreciation on fixed assets 5.29 4.45 14.34 12.63 17.53
9. Profit before provisions and contingencies 56.51 33.16 130.62 91.24 124.60
10. Provisions and contingencies 28.25 19.12 58.26 47.14 61.24
11. Net Profit 28.26 14.04 72.36 44.10 63.36
12. Paid up Equity Share Capital 165.00 165.00 165.00 165.00 165.00
13. Reserves (excluding Revaluation Reserves) 215.69 145.85 215.69 145.85 143.33
14. Total deposits 8,500.17 4,642.32 8,500.17 4,642.32 6,072.94
15. Total advances 2,944.48 1,668.15 2,944.48 1,668.15 2,110.12
16. Credit-like corporate debt instruments 1,113.44 1,012.07 1,113.44 1,012.07 1,277.48

Notes :

  1. Depreciation on Investments and Provision on bad debts have been made as per    Reserve Bank of India guidelines.
  2. The Bank had ensured that all critical technological items in use including servers, desktops, office automation applications, network equipments, etc., were Y2K ready. The Bank did not face any Y2K related problems during the transition to January 1, 2000.
  3. The above results have been taken on record by the Board of Directors of the Bank at its meeting held on January 19, 2000.

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