National Bank for Agriculture and Rural Development

: . - 24, , , (), - 400051, : www.nabard.org

Head Office : Plot No. C-24, G Block, Bandra-Kurla Complex, Bandra (E) Mumbai 400051. Website : www.nabard.org.

31 2016
Unaudited Financial Results for the quarter and nine month ended December 31, 2016

(` )
(` in crore)
31 2016 31 2015 31 2016 31 2015 31 2016
.
Sr. Particulars
No. Quarter ended Quarter ended Nine month Nine month Year ended
31 December 31 December ended ended 31 March 2016
2016 2015 31 December 31 December Audited
Unaudited Unaudited 2016 2015
Unaudited Unaudited
1 ()+( )+( )+() 5,733.03 5,137.06 16,630.73 15,204.12 20,523.85
Interest earned (a)+(b)+(c)+(d)
() 4,872.39 4,564.66 14,149.27 13,108.43 17,711.71
(a) Interest on loans and advances
() 860.64 572.40 2,481.46 2,095.69 2,812.14
(b) Income on investments
() 0.00 0.00 0.00 0.00 0.00

(c) Interest on balances with Reserve Bank
of India and other inter bank funds
() 0.00 0.00 0.00 0.00 0.00
(d) Others
2 39.11 51.52 133.11 149.50 206.27
Other Income
3 (1+ 2) 5,772.14 5,188.58 16,763.84 15,353.62 20,730.12
Total Income (1+2)
4 4,211.59 3,981.78 12,224.27 11,393.88 15,427.85
Interest Expended
5 (i)+(ii) 426.57 302.84 1,374.00 1,167.22 1,545.33
Operating Expenses (i) + (ii)
(i) 345.08 215.36 1,093.82 938.88 1,178.93
Employees cost
(ii) 81.49 87.48 280.18 228.34 366.40
Other operating expenses
6 (4+ 5) 4,638.16 4,284.62 13,598.27 12,561.10 16,973.18
Total Expenditure (4+5) excluding
provisions and contingencies
7 (3-6) 1,133.98 903.96 3,165.57 2,792.52 3,756.94
Operating Profit before Provisions and
Contingencies (3-6)
8 ( ) 99.97 78.06 110.96 102.29 104.19
Provisions (other than tax) and
Contingencies
9 0.00 0.00 0.00 0.00 0.00
Exceptional Items
10 (+)/ (-) 1,034.01 825.90 3,054.61 2,690.23 3,652.75
(7-8-9)
Profit (+)/Loss (-) from Ordinary
Activities before tax (7-8-9)
11 328.66 253.89 1,015.66 866.39 1,128.94
Tax expenses
12 (10-11) 705.35 572.01 2,038.95 1,823.84 2,523.81
(+)/(-)
Net Profit (+)/Loss (-) from Ordinary
Activities after tax (10-11)
13 ( ) 0.00 0.00 0.00 0.00 0.00
 Extraordinary items (net of tax expense)
14 (12-13) (+)/ (-) 705.35 572.01 2,038.95 1,823.84 2,523.81
Net Profit (+) / Loss (-) for the period
(12-13)
15 5,800.00 5,000.00 5,800.00 5,000.00 5,300.00
Paid-up capital
16 21,863.77 19,328.84 21,863.77 19,328.84 21,863.77
( )
Reserves excluding Revaluation
Reserves (as per balance sheet of
previous accounting year)
17
Analytical Ratios
(i) 17.33% 16.11% 17.33% 16.11% 17.59%
Capital Adequacy Ratio
(ii) NA NA NA NA NA
Earnings Per Share (EPS)
18
NPA Ratios
() 180.52 129.69 180.52 129.69 190.51
(a) Gross NPA
() 16.39 17.61 16.39 17.61 23.33
(b) Net NPA
() 0.0613 0.0467 0.0613 0.0467 0.0717

(c) % of Gross NPA to Gross loans &
advances
( ) 0.0056 0.0063 0.0056 0.0063 0.0088

(d) % of Net NPA to Net loans & advances
19 () 0.85% 0.77% 0.86% 0.83% 0.85%
19 Return on Assets

= =
NA = Not Applicable Return on Assets = Net Profit (after tax) divided by total average assets
:
Notes:
23 2017 ,
1 .
The financial results were taken on record by the Board of Directors in its meeting held on 23rd January 2017 at Mumbai and were
subjected to limited review by M/s Vyas and Vyas, Chartered Accountants.
2
`300 ` 500 29 2016 27 2016 .7/4/2015 /

,
(Share Capital advance account) , 1981

The paid up capital includes ` 300 crore & ` 500 crore being Government of India contribution to the share capital of NABARD
received vide letter Nos. F No 7/4/2015/AC dated 29 March 2016 & 27 June 2016 respectively and has been kept in Share Capital
advance account, pending issue of equity capital which will be adjusted towards the share capital on increase of the authorised capital
of NABARD after amendment of NABARD Act 1981.
3 31 2016 ` 204.19
.
Income tax liability amounting to ` 204.19 crore for the nine month period ending 31 December 2016 on account of interest differential
has been charged to the respective fund account as per the approval of the Board.
4 , / : / : .
Previous period figures have been regrouped / rearranged wherever necessary

:
Place : Mumbai Harsh Kumar Bhanwala
: 23 2017
Date : 23 January , 2017 Chairman