Previous Year
Rs. Crore |
|
Expenditure |
|
Current Year
Rs. Crore |
610.81 |
1. |
Interest |
|
811.22 |
3.42 |
2. |
Staff Salaries, Allowances etc. and Terminal benefits |
|
3.83 |
0.13 |
3. |
Directors' and Committee Members fees and Expenses |
|
0.08 |
0.08 |
4. |
Audit Fees: |
|
0.06 |
| |
|
(i) Statutory Audit Fees |
0.05 |
|
| |
|
(ii) Tax Audit Fees |
0.01 |
|
| |
|
(iii) Certification |
0.00 |
|
2.31 |
5. |
Rent, Taxes, Electricity and Insurance |
|
1.81 |
0.40 |
6. |
Postage, Telegrams, Telex and Telephones |
|
0.40 |
0.44 |
7. |
Law Charges |
|
0.84 |
0.59 |
8. |
Stationery, Printing, Advertisement etc. |
|
1.42 |
2.06 |
9. |
Depreciation |
|
2.45 |
7.95 |
10. |
Underwriting Commission, Brokerage and Guarantee Fee |
|
10.85 |
0.98 |
11. |
Travelling Expenses |
|
0.87 |
8.37 |
12. |
Other Expenditure |
|
2.25 |
47.09 |
13. |
Depreciation on Investment |
|
0.29 |
0.00 |
14. |
Loss on sale of Securities |
|
78.04 |
12.50 |
15. |
Provision for NPA & Standard Assets |
|
20.40 |
0.19 |
16. |
Wealth Tax |
|
0.14 |
0.00 |
17. |
Deferred Tax |
|
25.17 |
37.33 |
18. |
Provision for Income Tax |
|
33.54 |
0.00 |
19. |
Provision for Fringe Benefit Tax |
|
0.05 |
118.13 |
20. |
Balance of Profit c/d |
|
44.04 |
852.78 |
|
TOTAL |
|
1,037.75 |
0.00 |
21. |
Deferred Tax for earlier years |
|
48.84 |
17.80 |
22. |
Transfer to Investment Fluctuation Reserve |
|
0.00 |
0.00 |
23. |
Transfer to Reserve Fund |
|
20.05 |
70.00 |
24. |
Transfer to Special Reserve in terms of Section 36(1)(viii) of Income Tax Act, 1961 |
|
76.24 |
48.08 |
25. |
Balance Carried to Balance Sheet |
|
8.48 |
135.88 |
|
TOTAL |
|
153.61 |
| |
|
|
|
|
Previous Year
Rs. Crore |
|
|
|
Current Year
Rs. Crore |
| |
|
SCHEDULE - I |
|
|
| |
|
CAPITAL |
|
|
450.00 |
1. |
Authorised |
|
450.00 |
450.00 |
2. |
Issued and Paid-up (wholly subscribed by the Reserve Bank of India) |
|
450.00 |
450.00 |
|
|
|
450.00 |
| |
|
|
|
|
| |
|
SCHEDULE - II |
|
|
| |
|
RESERVES |
|
|
804.00 |
1. |
Reserve Fund |
|
750.04 |
215.35 |
2. |
Special Fund (Slum Improvement & Low Cost Housing Fund) |
|
213.71 |
158.89 |
3. |
Special Reserve in terms of Section 36(1)(viii) of Income Tax Act, 1961 |
|
209.71 |
20.00 |
4. |
Investment Fluctuation Reserve |
|
19.85 |
7.39 |
5. |
Taxation Reserve |
|
7.39 |
0.51 |
6. |
Staff Benevolent Fund |
|
0.62 |
1,206.14 |
|
|
|
1,201.32 |
| |
|
|
|
|
| |
|
SCHEDULE - III |
|
|
| |
|
PROFIT & LOSS ACCOUNT |
|
|
0.68 |
1. |
Opening Balance |
0.64 |
|
48.08 |
|
Balance as per P&L account annexed |
8.48 |
|
0.00 |
|
Add: Transfer of Profit from Slum Improvement & Low Cost Housing Fund |
3.00 |
|
2.87 |
|
Less: Profit of Slum Improvement & Low Cost Housing Fund transferred |
1.36 |
10.76 |
| |
2. |
Less: Appropriations |
|
|
45.00 |
|
i. Reserve Fund |
10.00 |
|
0.25 |
|
ii. Staff Benevolent Fund |
0.09 |
10.09 |
0.64 |
3. |
Balance of Net Profit |
|
0.67 |
| |
|
|
|
|
| |
|
SCHEDULE - IV |
|
|
| |
|
BONDS AND DEBENTURES |
|
|
| 435.50 |
1. |
Bonds (Guarnateed by GOI) |
|
390.50 |
| |
2. |
Priority Sector Bonds |
|
|
| 1,140.00 |
|
i. Tax-free Bonds |
1,140.00 |
|
| 1,794.66 |
|
ii. Taxable Bonds |
2,971.34 |
|
| 538.60 |
|
iii. Special Series Bonds |
524.70 |
4,636.04 |
| 4,337.96 |
3. |
Capital Gain Bonds |
|
7,340.41 |
| 8,246.72 |
|
|
|
12,366.95 |
| |
|
|
|
|
| |
|
SCHEDULE - V |
|
|
| |
|
BORROWINGS |
|
|
| |
1. |
From Reserve Bank of India |
|
|
50.00 |
|
(a) Out of National Housing Credit (Long Term Operations) Fund |
|
50.00 |
39.50 |
|
(b) Others (Line of credit) |
|
36.87 |
| |
2. |
From Other Sources |
|
|
1,290.04 |
|
i. In India |
|
2,661.93 |
543.03 |
|
ii. Outside India |
|
497.39 |
1,922.57 |
|
|
|
3,246.19 |
| |
|
|
|
|
| |
|
SCHEDULE - VI |
|
|
| |
|
CURRENT LIABILITIES AND PROVISIONS |
|
194.68 |
1. |
Interest Payable |
|
278.96 |
46.25 |
2. |
Interest & Instalment received in advance |
|
223.16 |
9.91 |
3. |
Provision for Retirement benefits |
|
1.87 |
123.30 |
4. |
Provision for Income Tax/Wealth Tax |
|
156.83 |
64.10 |
5. |
Others |
|
79.54 |
438.24 |
|
|
|
740.36 |
| |
|
|
|
|
| |
|
SCHEDULE - VII |
|
|
| |
|
OTHER LIABILITIES |
|
|
237.20 |
1. |
Unsettled transactions of 1991-92 |
|
237.20 |
30.64 |
2. |
Sundry Deposit / others |
|
98.21 |
267.84 |
|
|
|
335.41 |
| |
|
|
|
|
| |
|
SCHEDULE - VIII |
|
|
| |
|
CASH & BANK BALANCES |
|
|
21.90 |
1. |
Cash/ Cheques in Hand |
|
5.11 |
0.03 |
2. |
Balance with Reserve Bank of India |
|
11.79 |
| |
3. |
Balance with other Banks |
|
|
| |
|
i. In India |
|
|
14.11 |
|
(a) Current Accounts |
10.75 |
|
2,550.94 |
|
(b) Term Deposit - Bank/FIs |
4,446.83 |
4,457.58 |
526.89 |
|
ii. Outside India |
|
488.90 |
3,113.87 |
|
|
|
4,963.38 |
| |
|
|
|
|
| |
|
SCHEDULE - IX |
|
|
| |
|
INVESTMENTS |
|
|
851.43 |
1. |
GOI Dated Securities - at cost or market value whichever is less |
|
12.15 |
10.74 |
2. |
Stocks, shares, bonds, debentures and Securities of Housing Finance Institutions / Building Material Co. |
|
10.74 |
18.52 |
3. |
Stocks, shares, bonds, debentures and Securities of other Institutions |
|
224.70 |
880.69 |
|
|
|
247.58 |
| |
|
|
|
|
| |
|
SCHEDULE - X |
|
|
| |
|
LOANS AND ADVANCES |
|
|
| |
|
(i) Housing Finance Institutions |
|
|
4,736.29 |
|
(a) Housing Finance Companies |
|
4,927.79 |
561.72 |
|
(b) Co-operative Housing Finance Societies |
|
476.49 |
| |
|
(ii) Scheduled Banks |
|
6,719.92 |
2,142.96 |
|
(a) Commercial Banks |
6,620.29 |
|
2.66 |
|
(b) Regional Rural Banks |
2.57 |
|
113.80 |
|
(c) Urban Co-operative Banks |
97.06 |
|
495.14 |
|
(iii) State Co-operative Agriculture Rural Development Banks/Land Development Banks |
|
342.98 |
226.54 |
|
(iv) Housing Boards/Devp. Authorities |
191.16 |
|
4.89 |
|
(v) Others |
3.89 |
195.05 |
8,284.00 |
|
|
|
12,662.23 |
| |
|
SCHEDULE - XII |
|
|
| |
|
OTHER ASSETS |
|
|
263.98 |
1. |
Interest/Discount Receivable/Accrued |
|
422.64 |
202.02 |
2. |
Advances, Receivables, Adv Tax, Prepaid Expenses |
|
340.23 |
149.37 |
3. |
Unsettled transactions of 1991-92 |
|
149.37 |
615.37 |
|
|
|
912.25 |
Previous Year
Rs. Crore |
|
Liabilities |
|
Current Year
Rs. Crore |
61.82 |
1. |
Special Fund (Slum Improvement and Low Cost Housing Fund) A/c |
|
61.82 |
| |
2. |
Reserves |
|
|
17.09 |
|
(i) Special Reserve in terms of Section 36(1)(viii) of Income Tax Act, 1961 |
|
22.72 |
3.00 |
|
(ii) Investment Fluctuation Reserve |
|
3.00 |
| |
3. |
Profit & Loss Account |
|
|
150.66 |
|
Balance from last balance sheet |
153.53 |
|
0.00 |
|
Less: Profit transferred to Profit & Loss A/c |
3.00 |
|
2.87 |
|
Add: Profit transferred from the Profit & Loss Account annexed |
1.36 |
151.89 |
25.08 |
4. |
Other Current Liabilties & Provisions |
|
30.23 |
0.00 |
5. |
Deferred Tax Liability |
|
7.65 |
260.52 |
|
TOTAL |
|
277.31 |
| |
|
|
|
|
| |
|
|
|
Profit & Loss Account |
| Previous Year Rs. Crore |
|
Expenditure |
|
Current Year Rs. Crore |
| 0.01 |
1. |
Interest |
|
0.00 |
| @ |
2. |
Underwriting Commission, Brokerage and Guarantee Fee |
|
@ |
| @ |
3. |
Other Expenditure |
|
@ |
| 0.79 |
4. |
Depreciation on Investment |
|
0.00 |
| 1.60 |
5. |
Provision for NPA & Standard Assets |
|
0.00 |
| 0.00 |
6. |
Deferred Tax |
|
3.36 |
| 7.53 |
7. |
Provision for Income Tax |
|
5.41 |
10.39 |
8. |
Balance of Profit c/d |
|
8.28 |
20.32 |
|
TOTAL |
|
17.05 |
0.00 |
9. |
Deferred Tax for earlier years |
|
4.29 |
0.80 |
10. |
Transfer to Investment Fluctuation Reserve |
|
0.00 |
7.51 |
11. |
Transfer to Special Reserve in terms of Section 36(1)(viii) of Income Tax Act, 1961 |
|
11.00 |
2.87 |
12. |
Balance Carried to Balance Sheet |
|
1.36 |
11.18 |
|
TOTAL |
|
16.65 |
| |
|
@ Amount less that Rs.0.50 lakh. |
|
|
| |
|
|
| New Delhi, September 26, 2005 |
|
|
| |
|
|
|
|
| Low Cost Housing Fund) |
|
|
|
| as at 30th June, 2005 |
|
|
|
Previous Year
Rs. Crore |
|
Assets |
|
Current Year
Rs. Crore |
| |
1. |
Cash and Bank Balances |
|
|
141.20 |
|
Balance with other banks in deposit account |
|
128.63 |
| |
2. |
Investments |
|
|
1.19 |
|
(i) Units of Mutual Funds |
|
36.28 |
10.25 |
|
(ii) PSU/FI Bonds |
|
0.00 |
84.10 |
3. |
Loans & Advances |
|
86.79 |
23.78 |
4. |
Other Assets(Interest Receivables, Advance Tax, etc.) |
|
25.61 |
260.52 |
|
TOTAL |
|
277.31 |
| |
|
|
|
|
| for the year ended 30th June, 2005 |
|
|
Previous Year
Rs. Crore |
|
Income |
|
Current Year
Rs. Crore |
10.55 |
1. |
Interest & Discount |
|
16.19 |
4.29 |
2. |
Income from Investments |
|
0.05 |
5.48 |
3. |
Other Income |
|
0.02 |
0.00 |
4. |
Provisions & Contingencies (Excess provision on investments reversed) |
|
0.79 |
20.32 |
|
|
|
17.05 |
10.39 |
5. |
Balance of Profit brought down |
|
8.28 |
0.00 |
6. |
Transfer from Profit & Loss Account |
|
3.00 |
0.79 |
7. |
Transfer from Invest Fluctuation Reserve |
|
0.00 |
0.00 |
8. |
Transfer from Special Reserve in terms of Section 36(1)(viii) of Income Tax Act, 1961 |
|
5.37 |
11.18 |
|
|
|
16.65 |
| |
|
|
|
|
| Notes forming part of Accounts |
|
|
| 1. Balance Sheet and Profit & Loss Account of Special Fund have been drawn in accordance with the provisions of National Housing Bank (Slum Improvement and Low Cost Housing Fund) Regulation, 1993. |
| 2. NHB (Slum Improvement and Low Cost Housing Fund) represent 40% of the amounts deposited by any person voluntarily in accordance with the NHB Voluntary Deposit Scheme (VDS). |
|
|
As per our attached Report of even dateFor Mukund M. Chitale & Co.Chartered Accountants
Sd/-
(Mukund. M. Chitale)
PartnerM.No.14054 |
Previous Year
Rs. Crore |
|
Assets |
|
Current Year
Rs. Crore |
| |
1. |
Cash and Bank Balances |
|
|
141.20 |
|
Balance with other banks in deposit account |
|
128.63 |
| |
2. |
Investments |
|
|
1.19 |
|
(i) Units of Mutual Funds |
|
36.28 |
10.25 |
|
(ii) PSU/FI Bonds |
|
0.00 |
84.10 |
3. |
Loans & Advances |
|
86.79 |
23.78 |
4. |
Other Assets(Interest Receivables, Advance Tax, etc.) |
|
25.61 |
260.52 |
|
TOTAL |
|
277.31 |
| |
|
|
|
|
| for the year ended 30th June, 2005 |
|
|
Previous Year
Rs. Crore |
|
Income |
|
Current Year
Rs. Crore |
10.55 |
1. |
Interest & Discount |
|
16.19 |
4.29 |
2. |
Income from Investments |
|
0.05 |
5.48 |
3. |
Other Income |
|
0.02 |
0.00 |
4. |
Provisions & Contingencies (Excess provision on investments reversed) |
|
0.79 |
20.32 |
|
|
|
17.05 |
10.39 |
5. |
Balance of Profit brought down |
|
8.28 |
0.00 |
6. |
Transfer from Profit & Loss Account |
|
3.00 |
0.79 |
7. |
Transfer from Invest Fluctuation Reserve |
|
0.00 |
0.00 |
8. |
Transfer from Special Reserve in terms of Section 36(1)(viii) of Income Tax Act, 1961 |
|
5.37 |
11.18 |
|
|
|
16.65 |
| |
|
|
|
|
| Notes forming part of Accounts |
|
|
| 1. Balance Sheet and Profit & Loss Account of Special Fund have been drawn in accordance with the provisions of National Housing Bank (Slum Improvement and Low Cost Housing Fund) Regulation, 1993. |
| 2. NHB (Slum Improvement and Low Cost Housing Fund) represent 40% of the amounts deposited by any person voluntarily in accordance with the NHB Voluntary Deposit Scheme (VDS). |
|
|
As per our attached Report of even dateFor Mukund M. Chitale & Co.Chartered Accountants
Sd/-
(Mukund. M. Chitale)
PartnerM.No.14054 |
| |
|
(Rs. In Crores) |
| A) CASH FLOW FROM OPERATING ACTIVITIES |
|
|
| Net Profit |
Rs. |
44.04 |
| Adjustments for |
|
|
| Provison for Tax (Including Fringe Benefit Tax) |
Rs. |
33.59 |
| Provision for Wealth Tax |
Rs. |
0.14 |
| Deferred Tax Liabilities |
Rs. |
25.17 |
| Depreciation on fixed assets |
Rs. |
2.45 |
| Provision for Standard Assets and Contingencies |
Rs. |
20.40 |
| Profit on Revaluation of Forex Loans & Deposits |
Rs. |
- 3.06 |
| Profit/Loss on Sale of Fixed Assets |
Rs. |
- 7.99 |
| Provisions & Contingencies |
Rs. |
- 47.13 |
| Amortisations Reversals & Provisions written back |
Rs. |
- 4.87 |
| |
|
62.75 |
| Adjustments for |
|
|
| (Increase)/Decrease in Investments |
Rs. |
680.24 |
| (Increase)/Decrease in Deposits with Banks |
Rs. |
- 1,857.89 |
| (Increase)/Decrease in Loans & Advances |
Rs. |
- 4,378.24 |
| (Increase)/Decrease in other assets |
Rs. |
- 296.88 |
| Increase/(Decrease) in Current Liabilities & Provisions |
Rs. |
247.89 |
| Increase/(Decrease) in Other Liabilities |
Rs. |
67.54 |
| NET CASH FLOW FROM OPERATING ACTIVITES |
Rs. |
- 5,474.59 |
| |
|
|
| B) CASH FLOW FROM INVESTING ACTIVITIES |
|
|
| Increase/(Decrease) in Fixed Assets |
Rs. |
19.19 |
| NET CASH GENERATED FROM INVESTING ACTIVITES |
Rs. |
19.19 |
| |
|
|
| C) CASH FLOW FROM FINANCING ACTIVITIES |
|
- |
| Proceeds from issue of Share Capital |
Rs. |
- |
| Proceeds from issue of Subordinated Debt |
Rs. |
- |
| Payments from Staff Benevolent Fund |
Rs. |
0.02 |
| Proceeds from issue of Bonds & Debentures |
Rs. |
4,120.22 |
| Increase/(Decrease) in Borrowings |
Rs. |
1,326.67 |
| NET CASH GENERATED FROM FINANCING ACTIVITES |
|
5,446.92 |
| |
|
|
| Net increase in cash and cash equivalents |
Rs. |
- 8.48 |
| Cash and cash equivalents as at 01st July 2004 |
Rs. |
36.04 |
| Cash and cash equivalents as at 30th June 2005 |
Rs. |
27.56 |
A. |
Capital |
|
|
|
|
|
|
a. |
CRAR |
|
22.48% |
|
|
|
|
| |
Core CRAR |
|
18.86% |
|
|
|
|
| |
Supplementary CRAR |
|
3.62% |
|
|
|
|
| |
|
|
|
|
|
|
|
b. |
Amount of subordinated debt raised and outstanding as Tier II Capital |
|
400.00 |
|
|
|
|
| |
|
|
|
|
|
|
|
c. |
Risk Weighted Assets |
|
|
|
|
|
|
| |
- On Balance Sheet Items |
|
8518.19 |
|
|
|
|
| |
- Off Balance Sheet Items |
|
94.77 |
|
|
|
|
| |
|
|
|
|
|
|
|
d. |
Share-holding pattern as on the date of the Balance Sheet |
|
(%age of shareholding) |
|
|
|
| |
- Reserve Bank of India |
|
100% |
|
|
|
|
| |
|
|
|
|
|
|
|
B. |
Asset Quality & Credit Concentration |
|
|
|
|
|
|
e. |
Percentage of net NPAs to net Loans & Advances |
|
0.00% |
|
|
|
|
| |
|
|
|
|
|
|
|
f. |
Amount and percentage of net NPAs under the prescribed asset classification categories |
|
|
|
|
|
|
| |
|
Amount |
%age |
|
|
|
|
| |
Sub-Standard |
0.00 |
0.00% |
|
|
|
|
| |
Doubtful |
0.00 |
0.00% |
|
|
|
|
| |
Loss |
0.00 |
0.00% |
|
|
|
|
| |
Total |
0.00 |
0.00% |
|
|
|
|
| |
|
|
|
|
|
|
|
| g. |
Amount of provisions made during the year towards : |
|
|
|
|
|
|
| |
- Standard Assets |
|
13.58 |
|
|
|
|
| |
- NPAs |
|
9.53 |
|
|
|
|
| |
- Investments |
|
0.28 |
|
|
|
|
| |
- Income tax & Fringe Benefit Tax |
|
33.59 |
|
|
|
|
| |
- Contingencies |
|
0.00 |
|
|
|
|
| Note: |
Provision made during the year towards NPAs is in accordance with Section 36(1)(vii) of IT Act, 1961. |
| |
|
|
|
|
|
|
|
| h. |
Movement in net NPAs |
As on 30/06/04 |
As on 30/06/05 |
|
|
|
|
| |
- Net NPAs |
Nil |
Nil |
|
|
|
|
| |
|
|
|
|
|
|
|
| i |
Credit exposure as percentage to capital funds and as percentage to total assets, in respect of: |
Total Credit o/s |
% age to Capital Fund |
% age to total assets |
|
|
|
| |
- The largest single borrower |
1100.00 |
56.83% |
5.81% |
|
|
|
| |
- The largest borrower group |
1406.72 |
72.67% |
7.42% |
|
|
|
| |
- The 10 largest single borrowers |
8665.12 |
447.64% |
45.73% |
|
|
|
| |
- The 10 largest borrower groups$ |
4398.16 |
227.21% |
23.21% |
|
|
|
| |
$ NHB has only five borrower groups |
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| j |
Credit exposure to the five largest sectors/ industries as percentage to total loan assets |
Total Credit o/s |
%age to total o/s |
|
|
|
|
| |
- Housing Finance Companies |
4927.79 |
38.92% |
|
|
|
|
|
- Schduled Commercial Banks |
6622.86 |
52.30% |
|
|
|
|
| |
- Co-operative Housing Finance Societies |
476.49 |
3.76% |
|
|
|
|
|
- State Cooperative Agricultural Rural Development Banks/Land Development Banks |
342.98 |
2.71% |
|
|
|
|
|
- Urban Cooperative Banks |
97.06 |
0.77% |
|
|
|
|
| |
|
|
|
|
|
|
|
| C. |
Liquidity - Maturity pattern of assets and liabilities |
|
|
|
|
|
| |
|
|
|
|
|
[Rs./crore] |
| |
Items |
Less than or equal to 1 year |
More than a year upto 3 years |
More than 3 years upto 5 years |
More than 5 years upto 7 years |
More than 7 years |
Total |
| |
Rupee assets |
7640.89 |
10081.80 |
1876.49 |
1260.53 |
1337.69 |
22197.40 |
| |
Foreign currency assets |
509.24 |
37.49 |
34.55 |
31.32 |
91.42 |
704.02 |
| |
Total Assets |
8150.13 |
10119.29 |
1911.04 |
1291.85 |
1429.11 |
22901.42 |
| |
Rupee liabilities |
6959.13 |
7914.44 |
1722.53 |
1008.66 |
2975.26 |
20580.02 |
| |
Foreign currency liabilities |
38.18 |
76.30 |
75.70 |
75.32 |
397.45 |
662.95 |
| |
Total Liabilities |
6997.31 |
7990.74 |
1798.23 |
1083.98 |
3372.71 |
21242.97 |
| |
|
|
|
|
|
|
|
| D. |
Operating results |
|
|
|
|
|
|
| |
a) Interest Income as a percentage to average Working Funds |
|
|
5.88% |
|
|
|
| |
|
|
|
|
|
|
|
| |
b) Non-interest income as a percentage to average Working Funds (*) |
|
|
0.25% |
|
|
|
| |
|
|
|
|
|
|
|
| |
c) Operating profit as a percentage to average Working Fund |
|
|
0.53% |
|
|
|
| |
|
|
|
|
|
|
|
| |
d) Return on average assets |
|
|
-0.03% |
|
|
|
| |
|
|
|
|
|
|
|
|
e) Net Loss (loss after tax) per employee (Rs./crore) |
|
-0.06 |
|
|
|
| |
|
|
|
|
|
|
|
| |
(*) Non-interest income excludes write-back of provisions & Contingencies , no longer required. |
|
|
| Note: |
Return on average assets and net loss per employee is due to deferred tax provision of Rs.48.84 crore in respect of earlier years made during the current year. |
| |
|
|
|
|
|
|
|
| E. |
Movement in the provisions |
|
|
|
|
|
|
| I |
Provisions for Non Performing Assets (comprising loans, bonds and debentures in the nature of advance and inter-corporate deposits) (excluding provision for standard assets) |
|
|
|
|
| |
|
|
|
|
|
|
|
| |
a) Opening balance as at the beginning of the financial year |
|
31.45 |
|
|
|
| |
Add: Provisions made during the year |
|
|
9.53 |
|
|
|
| |
Less: Write off, write back of excess provision |
|
|
1.15 |
|
|
|
| |
b) Closing balance at the close of the year |
|
|
39.83 |
|
|
|
| |
|
|
|
|
|
|
|
| II |
Provisions for Depreciation on Investments |
|
|
|
|
|
|
|
c) Opening Balance at the beginning of the year |
|
|
47.68 |
|
|
|
| Add: |
i) Provisions made during the year |
|
|
0.28 |
|
|
|
| |
ii) Appropriation, if any, from Investment Fluctuation Reserve Account during the year |
|
|
0.15 |
|
|
|
| Less: |
i) Write back during the year |
|
|
47.13 |
|
|
|
| |
ii) Transfer, if any, to Investment Fluctuation Reserve Account |
|
|
0.00 |
|
|
|
| |
d) Closing balance at the close of the year |
|
|
0.98 |
|
|
|
| |
|
|
|
|
|
|
|
| F. |
Restructured Accounts |
|
|
|
|
|
|
| |
a) Total Amount of loan Assets |
|
|
Nil |
|
|
|
| |
b) Sub-standard Assets |
|
|
Nil |
|
|
|
| |
|
|
|
|
|
|
|
| G. |
Forward Rate Agreements and Interest Rate Swaps |
|
|
|
|
|
| |
a) Notional principal of swap agreements |
|
Nil |
| |
b) Nature and terms of the swaps |
|
Nil |
| |
c) Quantification of losses |
|
Nil |
| |
d) Collateral required |
|
Nil |
| |
e) Concentration of credit risk |
|
Nil |
| |
f) Fair value of total swaps |
|
Nil |
| |
|
|
|
|
|
|
|
| H. |
Interest Rate Derivatives |
|
|
|
|
|
|
S No |
Particulars |
Amount |
|
|
|
1 |
Notional principal amount of exchange traded interest rate derivatives undertaken during the year (instrument wise) |
Nil |
|
|
|
2 |
Notional principal amount of exchange traded interest rate derivatives outstanding as on 30th June 2005 (instrument wise) |
Nil |
|
|
|
3 |
Notional principal amount of exchange traded interest rate derivatives outstanding and not "highly effective" (instrument wise) |
Nil |
|
|
|
4 |
Mark-to-market value of exchange traded interest rate derivatives outstanding and not "highly effective" (instrument wise) |
Nil |
|
|
|
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
I. |
Investments in Non Government Debt Securities |
|
|
|
|
|
A. |
Issuer Categories in respect of investments made |
|
|
|
|
[Rs./crore] |
Sr. No. |
Issuer |
Amount |
Amount of |
|
investments made through private placement |
' below investment grade' Securities held |
'unrated' Securities held |
'unlisted' Securities |
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
|
1 |
PSUs |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
2 |
FIs |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
3 |
Banks |
30.00 |
30.00 |
0.00 |
0.00 |
0.00 |
|
4 |
Private Corporates |
4.90 |
0.00 |
0.00 |
0.00 |
0.00 |
|
5 |
Subsidiaries/Joint ventures |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
6 |
Others |
1.62 |
1.62 |
0.00 |
0.00 |
1.62 |
|
7 |
Provisions held towards depreciation |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
| |
Total |
36.52 |
31.62 |
0.00 |
0.00 |
1.62 |
|
| B. |
Non performing investments |
[Rs./crore] |
|
|
|
|
| |
Particulars |
Amount |
|
|
|
|
|
| |
Opening balance |
0.53 |
|
|
|
|
|
| |
Additions during the year |
Nil |
|
|
|
|
|
| |
Reductions during the year |
Nil |
|
|
|
|
|
| |
Closing balance |
0.53 |
|
|
|
|
|
| |
Total Provisions held |
0.53 |
|
|
|
|
|
| |
|
|
|
|
|
|
|
| J. |
Securities sold and purchased under repo |
|
|
|
[Rs./crore] |
|
| |
Particulars |
Minimum outstanding |
Maximum outstanding |
Daily average outstanding |
As on June 30, 2005 |
|
|
| |
Securities sold under repos |
0.00 |
730.58 |
10.73 |
0.00 |
|
|
| |
Securities purchased under reverse repo |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
| |
|
|
|
|
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| |
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| |
|
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|
|
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|
| |
Schedule I to XIII form an integral part of accounts. |
|
|
|
|
|
| |
Signatures on schedules I to XIII for identification |
|
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| |
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