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Financial Reports
REVIEWED FINANCIAL RESULTS FOR THE QUARTER ENDED 31 TH MARCH, 2012

Sl.
No.

Rs. in Lakhs

Year ended
(Audited)
31.12.2011 31.03.2011 31.03.2012 31.03.2011
(Reviewed) (Audited)
205826
160878
798812
584406
156988
117693
605009
419190
47602
42609
187204
161101
32
61
31
126

Quarter ended
Particulars

01 Interest earned [(a)+(b)+(c)+(d)]

(a) Interest/discount on advances/bills
(b) Income from investments
(c) Interest on balances with Reserve Bank of India and other inter
bank funds
(d) Others
02 Other Income
03 TOTAL INCOME (1+2)
04 Interest Expended
05 Operating Expenses (i) + (ii)
(i) Employee costs
(ii) Other operating expenses
06 TOTAL EXPENDITURE (4+5) (Excluding provisions and
contingencies)
07 OPERATING PROFIT (3 6)
(Profit before provisions and contingencies)
08 Provisions (other than tax) and Contingencies
09 Exceptional items
10 Profit/(Loss) from Ordinary Activities before tax (7-8-9)
11 Tax Expenses
12 Net Profit/(Loss) from Ordinary Activities after tax (10-11)

31.03.2012
(Audited)
215223
164688
49135
(21)
1421
13813
229036
165968
36720
23482
13238
202688

1204
11566
217392
158366
28852
17045
11807
187218

515
14288
175166
113044
51126
38708
12418
164170

6568
52790
851602
608459
120096
73992
46104
728555

3989
53318
637724
389729
143328
101044
42284
533057

26348

30174

10996

123047

104667

8683
17665
(432)
18097

16724
13450
1023
12427

16159
(5163)
(10586)

58123
64924
6825
58099

43870
60797
8415
52382

18097
49554

12427
47267

5423
47267

58099
49554

52382
47267

327915

285050

285050

327915

285050

55.02

57.69

57.69

55.02

57.69

10.96
13.06

10.94
12.39

12.59
13.88

10.96
13.06

12.59
13.88

2.98

2.63

0.65

9.49

9.89

2.98

2.63

0.65

9.49

9.89

171846
99801
2.93
1.72
0.78

166717
99710
2.98
1.81
0.55

125919
74116
2.56
1.52
0.28

171846
99801
2.93
1.72
0.66

125919
74116
2.56
1.52
0.72

222872258 200000000 200000000 222872258

44.98
42.31
42.31
44.98

200000000
42.31

5423
13 Extraordinary Items (Net of Tax Expense)
14 Net Profit/(Loss) for the period (12-13)
15 Paid up equity share capital
(Face value of each share- ` 10/-)
16 Reserves excluding Revaluation Reserves (As per Balance Sheet of
previous accounting year)
17 Analytical Ratios
(i) Percentage of shares held by Government of India
(ii) Capital Adequacy Ratio (%)
Basel I
Basel II
(iii) Earnings per share (EPS) (Not annualized)
(a) Basic and Diluted EPS before Extraordinary Items (Net of Tax
Expenses
for the period, for the year to date and for the previous year)
(b) Basic and Diluted EPS after Extraordinary Items for the period,
for the
year to date and for the previous year
(iv) NPA Ratios
a) Amount of Gross Non Performing Assets
b) Amount of Net Non Performing Assets
c) Percentage of Gross Non Performing Assets
d) Percentage of Net Non Performing Assets
(v) Return on Assets (Annualised) (%)
18 Public share holding
- Number of shares
- Percentage of share holding
19 Promoters and Promoter Group Shareholding
a) Pledged / Encumbered
Number of Shares
Percentage of shares (as a percentage of total shareholding of
promoter and promoter group)
Percentage of shares (as a percentage of total share capital of the
company)
b) Non-encumbered
Number of Shares (in million)
Percentage of shares (as a percentage of total shareholding of

http://www.vijayabank.com/Userfiles/Financial/2f.htm

Nil
Nil

Nil
Nil

Nil
Nil

Nil
Nil

Nil
Nil

Nil

Nil

Nil

Nil

Nil

272.66
100.00

272.66
100.00

272.86
100.00

272.66
100.00

272.66
100.00

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Percentage of shares (as a percentage of total shareholding of

promoter and promoter group)
Percentage of shares (as a percentage of total share capital of the
company)

100.00

100.00

100.00

100.00

100.00

55.02

57.69

57.69

55.02

57.69

SEGMENT WISE RESULTS, ASSETS AND LIABILITIES FOR THE YEAR ENDED ON 31.03.2012
SUMMARISED BALANCE SHEET

Sl.
No.

Particulars

a) Segment
Revenue #
i) Treasury
Operations
ii) Whole Sale
Banking
iii) Retail
Banking
iv) Other
Banking
Operations

Quarter
Quarter
Quarter
Year
Year CAPITAL AND LIABILITIES As at 31.03.2012
As at
Ended
Ended
Ended
Ended
Ended
31.03.2011
31.03.2012 31.12.2011 31.03.2011 31.03.2012 31.03.2011
(Audited) (Reviewed) (Audited) (Audited) (Audited)
Capital
169554
167267
53932

51727

46859

206433

179960 Reserves and surplus

109816

107319

70685

402693

243710 Deposits

54829

49866

47108

202645

175795 Borrowings

10459

8480

10514

39831

229036

217392

175166

851602

(12423)

1354

10847

(7328)

17885

6872

(19087)

48343

iii) Retail
Banking
iv) Other
Banking
Operations
Total

13693

15582

13936

8504

7190

27659

c) Unallocated
Expenses
d) Operating
Profit
e) Provisions &
Contingencies
f) Tax Expenses

Total
b) Segment
Result
i) Treasury
Operations
ii) Whole Sale
Banking

38259 Other Liabilities and

Provisions
637724 Total
ASSETS

355668

314433

8305551

7324832

541840

202537

203788

192268

9576401

8201337

186032

488184
86449

52725

35843 Cash and Balances with

Reserve Bank of India
2721 Balances with Banks and
Money at Call and Short
Notice
40573 Investments

2864380

2513858

6653

33303

21138 Advances

5790374

4871863

30998

12349

127043

100275 Fixed Assets

48695

48599

1311

824

1353

3994

4612 Other Assets

232666

192385

26348

30174

10996

123047

9576401

8201337

8683

16724

16159

58123

43870

(432)

1023

(10586)

6825

8415

18097

12427

5423

58099

i) Treasury
Operations

3239941

2999787

2805238

3239941

ii) Whole Sale

Banking

4240464

4072775

3431345

4240464

iii) Retail
Banking

1920338

1891204

1813436

1920338

23531

24361

33277

23531

152127

139186

118041

152127

g) Extraordinary
Profit
h) Net Profit
i) Other
Information
j) Segment
Assets

iv) Other
Banking
Operations
v) Unallocated
Assets

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104667 Total

454254

NOTES :
1. The above financial results have been approved by the
- Board of Directors of the Bank at its meeting held on 30th
April 2012.
52382 2. There has been no change in the Accounting Policies
and Practices in preparation of these financial statements as
compared to those followed in the preceding financial year
ended on 31st March 2011.
3. The Board has recommended a dividend of `. 2.5 per
equity share.
4. The above financial results have been subjected to
2805238 audit by the Statutory Central Auditors of the Bank in terms of
3431345 RBI guidelines and SEBI Listing Agreement.
5. Working results for year ended on 31st March 2012
have been arrived at after making necessary provisions for
Income Tax, provision for depreciation, provision for
Employee Benefits, provisions for NPAs, Standard Assets
1813436 and Depreciation on Investment on the basis of prudential
norms issued by the Reserve Bank of India.
6. RBI vide circular no. DBOD.BP.BC.94/21.048/2011-12
33277 dated 18.05.2011 has enhanced the minimum provisioning
rates for non-performing advances and restructured standard
advances. Provision for NPAs for the year ended on 31st
March 2012 has been made in compliance with the above
118041 referred circular. Accordingly an additional provision of `.
121.73 crore has been made on NPAs for the year ended on
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Assets
Total Assets

9576401

9127313

8201337

9576401

i) Treasury
Operations

3254770

2927107

2738250

3254770

ii) Whole Sale

Banking

3992749

3878656

3279015

3992749

iii) Retail
Banking

1796751

1800972

1701869

1796751

116

100

504

116

v) Unallocated
Liabilities

532015

520478

481699

532015

Total Liabilities

9576401

9127313

8201337

9576401

k) Segment
Liabilities

iv) Other
Banking
Operations.

121.73 crore has been made on NPAs for the year ended on
31st March 2012.
8201337 7. Employee cost for the year ended 31st March 2012
includes an amount of `. 119 crore (previous year `. 119
crore) being the amortization of expenses as per the
guidelines of Reserve Bank of India vide circular no.
DBOD.BP.BC.80/2104.018/2010-11 dated 09th February
2738250 2011 relating to second option for pension for serving
employees and enhancement in ceiling of Gratuity.
3279015 8. During the quarter ended 31st March 2012, the bank
has made a preferential allotment of 2,28,72,258 equity
shares of `. 10/- each at a premium of `. 54.27 per share
1701869 amounting to `. 147 crore to LIC of India.
9. The figures of the previous period have been regrouped
/ rearranged, wherever necessary.
504 10. Provision Coverage Ratio (PCR) is 62.40% as on 31st
March 2012.
11. The number of investor complaints pending in the
beginning of the quarter is Nil. Number of complaints
481699 received and resolved during the quarter is 874.
8201337

# The Bank operates only in domestic segment.

Place: Bangalore
Date: 31st March, 2012

SHUBHALAKSHMI PANSE
H. S. UPENDRA KAMATH
Executive Director
Chairman & Managing Director

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