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Financial Result

As at Second Quarter ( Jan 15 2005 ) of the Fiscal Year 2004/2005

Figure in '000

S.N.	Particulars	Half Year End (29.09.2061/13.1.2005 )
1	Total Capital and Liabilities (1.1 to 1.7)	240,368
1.1	Paid Up Capital	163200
1.2	Reserve and Surplus	(735)
1.3	Debenture and Bond
1.4	Borrowings	-
1.5	Deposits (a+b)
	a. Domestic Currency	76,675
	b. Foreign Currency	-
1.6	Income Tax Liability	-
1.7	Other Liabilities	1,228
2	Total Assets (2.1 to 2.7)	240,368
2.1	Cash & Bank Balance	7,085
2.2	Money at Call and Short Notice	169,470
2.3	Investments	-
2.4	Loans and Advances	35,158
2.5	Fixed Assets	10131
2.6	Non Banking Assets	-
2.7	Other Assets	18,524
3	Profit and Loss Account	Up to Corresponding previous year Quarter
3.1	Interest Income	767
3.2	Interest Expense	143
	A. Net Interest Income (3.1-3.2)	624
3.3	Fees, Commission and Discount	155
3.4	Other Operating Income	-
3.5	Foreign Exchange Gain/Loss (Net)	-
	B. Total Operating Income (3.3+3.4+3.5)	155
3.6	Staff Expenses	766
3.7	Other Operating Expenses	416
	C. Operating Profit Before Provision (A+B. -3.6-3.7)	(403)
3.8	Provision for Possible Losses	332
	D. Operating Profit (C.-3.8)	(735)
3.9	Non Operating Income/Expenses (Net)	-
3.1	Write Back of Provision For Possible Loss	-
	E. Profit from Regular Activities (D.+3.9+3.10)	(735)
3.11	Extraordinary Income/Expenses (Net)
	F. Profit before Bonus and Taxes (E. +3.11)	(735)
3.12	Provision for Staff Bonus	-
3.13	Provision For Tax	-
	G. Net Profit/(Loss) (F. -3.12-3.13)
4	Ratios	At the End of Corresponding previous year Quarter
4.1	Capital Fund to RWA	169.27%
4.2	Non Performing Loan (NPL) to Total Loan	-
4.3	Total Loan Loss Provision to Total NPL	-

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