FINANCIAL STATEMENTS
& ANALYSIS
[Type the document subtitle]
Financial Statements
| Bank Accounting
Balance Sheet
as
of March 31, 2014
(H
in thousands)
Schedules
a
s
of
March 31, 2014
a
s
of
March 31, 2013
Cap
it
a
l
and
Li
a
biliti
e
s
Capital
1
3,606,336
3,586,223
Reserves
and surplus
2
67,611,074
54,490,482
Deposits
3
741,920,153
669,555,852
Borrowings
4
213,142,862
209,221,472
Other
liabilities
and provisions
5
63,877,474
54,187,245
Tot
a
l
1,090,157,899
991,041,274
A
ss
e
ts
Cash
and
balances
with
Reserve Bank
of India
6
45,415,683
33,387,586
Balances
with
banks, money
at call and short notice
7
13,500,955
7,270,011
Investments
8
409,503,624
429,760,421
Advances
9
556,329,622
469,995,663
Fixed
assets
10
2,934,694
2,295,452
Other assets
11
62,473,321
48,332,141
Tot
a
l
1,090,157,899
991,041,274
Contingent liabilities
12
2,010,168,222
2,478,043,530
Bills
for collection
9,970,631
6,773,965
Significant Accounting
Policies
and Notes to Accounts forming 18
part of financial statements
Financial Statements
| Bank Accounting
Schedules
Year
ended
March 31, 2014
Year
ended
March 31, 2013
I.
I
nc
om
e
Profit and
Loss
Account for the
year ended
March 31, 2014
(H
in
thousands)
Interest
earned
13
99,813,521
82,939,991
Other income
14
17,215,774
12,574,326
Tot
a
l
117,029,295
95,514,317
II. Expenditure
Interest
expended
15
72,650,918
60,752,092
Operating
expenses
16
17,498,719
13,345,367
Provisions
and contingencies
17
10,701,856
8,410,051
Tot
a
l
100,851,493
82,507,510
III. Profit
Net profit for the year
16,177,802
13,006,807
Profit brought forward
23,383,674
16,583,936
Tot
a
l
39,561,476
29,590,743
IV.
App
ro
p
ri
a
tio
n
s
Transfer
to
Capital
Reserve
41,359
348,646
Transfer
to
Statutory
Reserve
4,044,451
3,251,702
Transfer
to
Investment
Reserve
4,385
97,136
Dividend
paid for last year
4,026
7,559
Tax
on
dividend
paid last year
17,307
1,227
Proposed
Dividend
2,885,069
2,151,734
Tax
(including
surcharge
&
education
cess)
on Dividend
490,317
349,065
Balance carried over
to
balance
sheet
32,074,562
23,383,674
Tot
a
l
39,561,476
29,590,743
Significant
Accounting
Policies
and
Notes
to Accounts
18
Financial Statements
| Bank Accounting
Cash Flow Statement
for the
year ended
March 31, 2014
(H
in thousands)
Year
ended
March 31, 2014
Year
ended
March 31, 2013
Cash flow from operating activities
net
profit before taxes
23,262,817
19,257,317
adjustment
for
Depreciation
for the year
631,662
517,070
Amortization of premium on investments
446,589
295,560
Provision
for investments
860,079
(29,910)
Provision
for
standard
advances
1,278,978
766,399
Provision/write
off of non performing advances
1,358,169
1,516,688
Other provisions
117,615
29,310
Loss
from
sale
of fixed assets
948
5,101
adjustments for :
Cash flow from investing activities
(90,805)
(30,535)
Investment
