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Financial Reports

(Rupees in lakhs)

Sl.No. Particulars

Quarter ended(Reviewed)

Half-year Ended(Reviewed)

Year ended

(Audited)

30.09.2009 30.09.2008 30.09.2009 30.09.2008 31.03.200901 Interest earned [(a)+(b)+(c)+(d)] 133747 133384 263848 249687 523782 (a) Interest/discount on advances/bills 97104 98103 191132 180120 382996 (b) Income from investments 35543 34178 69506 66426 131641 (c) Interest on balances with Reserve Bank of India and other

inter bank funds4 93 23 387 419

(d) Others 1096 1010 3187 2754 872602 Other Income 12013 7545 28254 18250 6988103 TOTAL INCOME (1+2) 145760 140929 292102 267937 59366304 Interest Expended 97334 106517 193298 200616 41130205 Operating Expenses (i) + (ii) 25032 19362 54433 36787 92470 (i) Employee costs 16075 11514 36809 21646 59747 (ii) Other operating expenses 8957 7848 17624 15141 32723

06 TOTAL EXPENDITURE (4+5) (Excluding provisions andcontingencies) 122366 125879 247731 237403 503772

07 OPERATING PROFIT (3 6)(Profit before provisions and contingencies)

23394 15050 44371 30534 89891

08 Provisions (other than tax) and Contingencies 10080 2980 6444 25512 3574109 Exceptional items - - - -10 Profit/(Loss) from Ordinary Activities before tax (7-8-9) 13314 12070 37927 5022 5415011 Tax Expenses[(i)+(ii)+(iii)+(iv)] 2472 4082 12747 4698 27902 (i) Current Tax 2982 500 15838 500 21843 (ii) Deferred Tax (510) 3997 (3091) 4493 1273 (iii) Fringe Benefit Tax - 85 - 205 380 (iv) MAT credit - (500) - (500) 4406

12 Net Profit/(Loss) from Ordinary Activities after tax (10-11) 10842 7988 25180 324 2624813 Extraordinary Items (Net of Tax Expense) - - - - -14 Net Profit/(Loss) for the period (12-13) 10842 7988 25180 324 2624815 Paid up equity share capital

(Face value of each share-Rs.10/-)43352 43352 43352 43352 43352

16 Reserves excluding Revaluation Reserves (As per BalanceSheet of previous accounting year)

188455 167289 188455 167289 188455

17 Analytical Ratios(i) Percentage of shares held by Government of India 53.87 53.87 53.87 53.87 53.87

(ii) Capital Adequacy Ratio (%)Basel I 12.04 10.41 12.04 10.41 13.08

Basel II 13.44 - 13.44 - 13.15 (iii) Earnings per share (EPS) (Not annualized)

(a) Basic and Diluted EPS before Extraordinary Items (Netof Tax Expenses for the period, for the year to date and for the previousyear)

2.50 1.84 5.81 0.07 6.05

(b) Basic and Diluted EPS after Extraordinary Items for theperiod, for the year to date and for the previous year

2.50 1.84 5.81 0.07 6.05

(iv) NPA Ratiosa) Amount of Gross Non Performing Assets 109850 64098 109850 64098 69882

b) Amount of Net Non Performing Assets 54181 26842 54181 26842 29230 c) Percentage of Gross Non Performing Assets 2.91 1.75 2.91 1.75 1.95 d) Percentage of Net Non Performing Assets 1.46 0.74 1.46 0.74 0.82 (v) Return on Assets (Annualised) (%) 0.68 0.53 0.77 0.01 0.59

18 Public share holding- Number of shares 200000000 200000000 200000000 200000000 200000000

- Percentage of share holding 46.13 46.13 46.13 46.13 46.1319 Promoters and Promoter Group Shareholding

a) Pledged / EncumberedNumber of Shares Nil Nil Nil Nil Nil

Percentage of shares (as a percentage of totalshareholding of promoter and promoter group)

Nil Nil Nil Nil Nil

Percentage of shares (as a percentage of total share

Nil Nil Nil Nil Nil


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capital of the company) b) Non-encumbered

Number of Shares (in million) 233.52 233.52 233.52 233.52 233.52 Percentage of shares (as a percentage of total

shareholding of promoter and promoter group)100.00 100.00 100.00 100.00 100.00

Percentage of shares (as a percentage of total sharecapital of the company)

53.87 53.87 53.87 53.87 53.87

(Rupeess in lakhs)SEGMENT-WISE RESULTS, ASSETS AND LIABILITIES FOR THE QUARTER / HALF-YEAR ENDED 30.09.2009

Sl. No. Particulars Quarter Ended 30.09.2009(Reviewed)

Half-year Ended 30.09.2008(Reviewed)

Year Ended31.03.2009(Audited)

30.09.2009 30.09.2008 30.09.2009 30.09.2008Business Segment #

a) Segment Revenuei) Treasury Operations 40673 35550 83616 72622 171537ii) Whole Sale Banking 53128 59450 105877 99523 208541iii) Retail Banking 43976 38653 85255 80597 174455iv) Other Banking Operations. 7983 7276 17354 15195 39130Total 145760 140929 292102 267937 593663

b) Segment Resulti) Treasury Operations 6898 4005 13439 8722 27037

ii) Whole Sale Banking 8983 6825 17017 11923 32841iii) Retail Banking 7416 4261 13703 9597 27455iv) Other Banking Operations. 1362 785 2789 1793 6256Total 24659 15876 46948 32035 93589

c) Unallocated Expenses 1265 826 2577 1501 3698d) Operating Profit 23394 15050 44371 30534 89891e) Provisions & Contingencies 10080 2980 6444 25512 35741f) Income Tax 2472 4082 12747 4698 27902g) Extraordinary Profit - - - - -h) Net Profit 10842 7988 25180 324 26248i) Other Information - - - -

j) Segment Assetsi) Treasury Operations 2485552 1905635 2485552 1905635 2150193

ii) Whole Sale Banking 2351800 2393425 2351800 2393425 2190419iii) Retail Banking 1668223 1656746 1668223 1656746 1747091iv) Other Banking Operations. 22207 35112 22207 35112 39917v) Unallocated Assets 92585 117444 92585 117444 110640Total Assets 6620367 6108362 6620367 6108362 6238260

k) Segment Liabilitiesi) Treasury Operations 2391696 1865011 2391696 1865011 2078507ii) Whole Sale Banking 2262995 2342403 2262995 2342403 2117392iii) Retail Banking 1605229 1621428 1605229 1621428 1688845iv) Other Banking Operations. 21368 34362 21368 34362 38586v) Unallocated Liabilities 339079 245158 339079 245158 314930Total Liabilities 6620367 6108362 6620367 6108362 6238260

# The Bank operates only in domestic segment.

NOTES:1. The Bank has followed the same Accounting Policies in preparation of these financial statements as were followed in the Annual financialstatements for the year ended 31 st March, 20092. The above results have been subjected to limited review by the Statutory Central Auditors and were taken on record by the Board of Directorsof the bank at its meeting held on 29.10.2009.3. Working results for the quarter / half-year ended 30.09.2009 have been arrived at after making necessary provisions.4. Pending finalization at Industry level settlement and wage revision, a sum at Rs.20 Crore has been provided for on an estimated basis duringthe quarter towards arrears and included under Employees cost. The total provision on this account is Rs.85 crore during the half-year. Provisionfor staff retirement benefits are provided for the half-year ended 30th September 2009 on an estimated basis.5. In terms of Agricultural Debt Waiver and Debt Relief Scheme, 2008 framed by the Government of India, the Bank has made provision for inadmissible interest, expenses and differential amount of eligible claim based on the Certification by Statutory Central Auditors. The Final claimof Rs.147.12 Crore is submitted to Reserve Bank of India being the amount waived after due verification by the Statutory Central Auditors of theBank and a difference of Rs.5.95 crore has been written off during the half-year, out of which the Bank has received Rs.36.33 crore during the half-year ended 30th September 2009.6. In one account, which has been declared as sub-standard asset, the provision has been made to the extent of Rs.130.42 crore, and thebalance of Rs.130.42 crore to be provided by the year-end, as permitted by RBI.7. The audit qualification as at March 31, 2009 with regard to provision towards diminution in the fair value of restructured advances has beencomplied with by making adequate provision.8. The figures of the previous period have been regrouped / rearranged, wherever necessary


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9. The number of shareholders' complaints pending is Nil. Number of complaints received and resolved during the quarter are 291.

Place : BangaloreDate : 29th October, 2009

S.C. KALIA

Executive Director

ALBERT TAURO

Chairman & ManagingDirector

Copyright 2012 Vijaya Bank. All rights reserved.

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