Year ended

3/31/2023 3/31/2022
Particulars
Audited

1. Interest earned (a+b+c+d) 651655 558767

a) Interest / discount on advances/ bills 532695 452548

b) Income on investments 109913 92478

c) Interest on balances with Reserve Bank 8260 13433
of India & other interbank funds

d) Other interest 787 308

2. Other income 115894 76906
3. Total income (1+2) 767549 635673
4. Interest expended 316774 287230
5. Operating expenses (i+ii) 203196 185422
(i) Employees cost 100596 94503
(ii) Other operating expenses 102600 90919
6. Total expenditure (excluding 519970 472652
provisions and contingencies) (4+5)

7. Operating profit before provisions and 247579 163021

contingencies (3-6)
8. Provisions (other than tax) and 103893 69929
contingencies
9. Exceptional items - -
10. Profit from ordinary activities before 143686 93092
tax (7-8-9)
11. Tax expense 33077 25765

12. Net profit from ordinary activities after 110609 67327

tax (10-11)
13. Extraordinary items (net of tax expense) - -

14. Net profit for the period (12-13) 110609 67327

15. Paid-up equity share capital (FV Rs.2/- 16041 16000
per share)
16. Reserves excluding revaluation reserve 842364 743620

17. Analytical ratio

(i) % of shares held by Government of - -
India
(ii) Capital adequacy ratio - Basel III (%) 18.56 19.21
(iii) Earnings per share (EPS) 1 (Rs.)
 a) Basic EPS before and after 13.81 8.42
extraordinary items
b) Diluted EPS before and after 13.78 8.41
extraordinary items
(iv) NPA ratios
a) Gross NPA 145815 343104
b) Net NPA 46815 126079

c) % of Gross NPA 2.27 6.03

d) % of Net NPA 0.74 2.31
(v) Return on asset (annualised) (%) 1.27 0.86
18. Net worth 2 837867 741781
19. Paid up debt capital/ Outstanding 34.01 36.37
debt 3 (%)
20. Debt/equity ratio 4 0.05 0.09
21. Total debts to total assets 5 (%) 1.59 1.67
 (Rs. In Lakh)

STATEMENT OF ASSETS AND LIABILITIES

As on As on
Particulars 31.03.2023 31.03.2022
(Audited) (Audited)
Capital and Liabilities
Capital 16041 16000
Reserves and surplus 842364 743620
Deposits 7663758 6848601
Borrowings 143201 133909
Other liabilities and 352578 265002
provisions
Total 9017942 8007132
Assets
Cash & balances with 427948 359426
Reserve Bank of India
Balances with banks and 41565 133191
money at call and short
notice
Investments 1880832 1721606
Advances 6313414 5466120
Fixed assets 43504 47849
Other assets 310679 278940
Total 9017942 8007132
 (Rs. In Lakh)

SEGMENT REPORTING FOR THE QUARTER/YEAR ENDED 31ST MARCH 2023

Quarter ended Year ended
3/31/2023 12/31/2022 3/31/2022 3/31/2023 3/31/2022
Business Segments
Audited Unaudited Audited Audited

Segment Revenue
1. Treasury 35734 30979 24666 124680 101825
2. 39551 43209 35148 157607 137351
Corporate/Wholesale
banking
3. Retail banking 139933 125853 100481 480325 392871
4. Other banking 1695 1230 1180 4937 3626
operations
Total 216913 201271 161475 767549 635673
Segment Results
1. Treasury 13113 10273 5596 41538 21790
2. 14674 15977 11122 55097 40810
Corporate/Wholesale
banking
3. Retail banking 51181 47966 32387 171785 120974

4. Other banking 1290 938 866 3734 2661

operations
Total 80258 75154 49971 272154 186235

Less: Unallocated 6353 6259 5840 24575 23214

income/expenses
Operating profit 73905 68895 44131 247579 163021
Tax expense 10822 3557 8772 33077 25765
Other provisions 29301 36409 14012 103893 69929
Net profit from 33782 28929 21347 110609 67327
ordinary activities
Extraordinary items - - - - -
Net profit 33782 28929 21347 110609 67327

Segment assets

1. Treasury 1937886 2047214 1848842 1937886 1848842

2. 1387959 1543134 1383603 1387959 1383603
Corporate/Wholesale
banking
3. Retail banking 4925455 4547189 4082517 4925455 4082517
4. Other banking - - - - -
operations
5. Unallocated 766642 763716 692170 766642 692170
Total segment 9017942 8901253 8007132 9017942 8007132
assets

Segment liabilities
1. Treasury 1769206 1857785 1738054 1769206 1738054
2. 1252671 1400589 1237855 1252671 1237855
Corporate/Wholesale
banking
3. Retail banking 4445801 4125842 3652676 4445801 3652676
4. Other banking - - - - -
operations
5. Unallocated 691859 693025 618928 691859 618928
Total (a) 8159537 8077241 7247513 8159537 7247513

Capital employed (Segment assets - Segment liabilities)

1. Treasury 168680 189429 110788 168680 110788
2. 135288 142545 145748 135288 145748
Corporate/Wholesale
banking
3. Retail banking 479654 421347 429841 479654 429841
4. Other banking - - - - -
operations
5. Unallocated 74783 70691 73242 74783 73242
Total (b) 858405 824012 759619 858405 759620
Total segment 9017942 8901253 8007132 9017942 8007132
liabilities (a+b)
 (Rs. In Lakh)

CASH FLOW STATEMENT

As on 31.03.2023 As on 31.03.2022
Particulars

(Audited) (Audited)

Cash flow from operating activities

Net Profit as per 110609 67327
Profit and Loss
account
Adjustments for
Depreciationon 10566 11918
Bank’s property
Interest paid on 5820 5820
TIER II bonds
Provisions for other 18503 5334
contingencies

Provision for taxes 33078 25765

Provision for -1188 10713

depreciation on
investment
Provision for 3451 1699
standard assets
Provision for bad 71700 63485
and doubtful debts

Provision for non 10238 -589

performing
investments
Provision for 588 208
compensation
absences
Amortization of 10757 13574
premium paid on
Held to Maturity
(HTM) investments

Provision for 170 49

employees stock
option plan /
scheme
(Profit) /Losson -104 -110
sale of fixed assets
(net)
Operating profit 274188 205193
before working
capital changes

Adjustments for
working
capitalchanges

(Increase) / -58130 10213

Decrease in
investments(excludi
ng HTM
investments)

(Increase) / -918127 -558682

Decrease in
advances
(Increase) / -89758 -134735
Decrease in other
assets
Increase / 815157 540832
(Decrease) in
deposits
Increase / 9292 -118920
(Decrease) in
borrowings
Increase / 68599 54148
(Decrease) in other
liabilities and
provisions
101221 -1951
Direct taxes paid 20500 31500
Net cash flow 121721 29549
(from)/ used in
operating
activities

Cash flow from

investing
activities
Purchaseof fixed -6222 -5861
assets
(Increase)/ -120902 -153625
Decreasein HTM
investments
Sale of fixed assets 104 110
/ other assets

Net cash flowfrom -127020 -159376

/ (used in)
investing
activities

Cash flow from

financing
activities
Proceeds from 41 14
share capital
Proceeds from 767 253
share premium
Increase/ - -
(Decrease) in tier II
bonds
Interest paid on tier -5820 -5820
II bonds
Dividend paid -12793 -4037
Net cash flow -17805 -9590
from / (used in)
financing
activities

Net Increase/ -23104 -139417

(decrease) in cash
& cash
equivalents

Cash and cash 492617 632034

equivalents at the
beginning of the
year

Cash and cash 469513 492617

equivalents at the
end of the year