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Financial Reports.
(Rupees in lakh)

Sl.
No.

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[(i)+(ii)+(iii)+(iv)]
(i) Current Tax
(ii) Deferred Tax
(iii) Fringe Benefit Tax
(iv) MAT credit
12
13
14
15

Net Profit/(Loss) from Ordinary Activities after tax (10-11)

Extraordinary Items (Net of Tax Expense)
Net Profit/(Loss) for the period (12-13)
Paid up equity share capital
(Face value of each share-Rs.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

Quarter ended
YEAR ENDED
(Audited)
(Audited)
31.03.2009 31.03.2008 31.03.2009 31.03.2008
136422
107312
523782
388854
99825
74225
382996
270440
33212
31099
131641
109483
13
193
419
1658
3372
1795
8726
7273
25806
19025
69881
53203
162228
126337
593663
442057
104317
87514
411302
305842
26563
20180
92470
70127
16594
11680
59747
40492
9969
8500
32723
29635
130880
107694
503772
375969
31348
18643
89891
66088
16419
14929
4704
6666
(6468)
100
4406

33982
(15339)
(17119)
(5955)
(8069)
105
(3200)

35741
54150
27902
21843
1273
380
4406

38329
27759
(8369)
3200
(8709)
340

10225
10225
43352

1780
1780
43352

26248
26248
43352

(3200)
36128
36128
43352

167289

141781

167289

141781

53.87

53.87

53.87

53.87

13.08
13.15

11.22
-

13.08
13.15

11.22
-

2.36

1.64

6.05

8.33

2.36

1.64

6.05

8.33

69882
29230
1.95
0.82
0.68

51150
18161
1.60
0.57
0.13

69882
29230
1.95
0.82
0.59

51150
18161
1.60
0.57
0.75

200000000 200000000 200000000 200000000

46.13
46.13
46.13
46.13

(Rs. in lakh)
SEGMENT WISE RESULTS, ASSETS AND LIABILITIES FOR THE YEAR ENDED 31.03.2009
Sl.
Particulars
Quarter Ended 31.03.2009
Year Ended 31.03.2009
Year Ended 31.03.2008
No.
(Audited)
(Audited)
(Audited)
a) Segment Revenue
i) Treasury Operations
49607
171537
141703
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b)

c)
d)
e)
f)
g)
h)
i)
j)

k)

i) Treasury Operations
ii) Whole Sale Banking
iii) Retail Banking
iv) Other Banking
Operations.
Total
Segment Result
i) Treasury Operations
ii) Whole Sale Banking
iii) Retail Banking
iv) Other Banking
Operations.
Total
Unallocated Expenses
Operating Profit
Provisions & Contingencies
Income Tax
Extraordinary Profit
Net Profit
Other Information
Segment Assets
i) Treasury Operations
ii) Whole Sale Banking
iii) Retail Banking
iv) Other Banking
Operations.
v) Unallocated Assets
Total Assets
Segment Liabilities
i) Treasury Operations
ii) Whole Sale Banking
iii) Retail Banking
iv) Other Banking
Operations.
v) Unallocated Liabilities
Total Liabilities

www.vijayabank.com/Userfiles/Financial/14f.htm

49607
50238
49587
12796

171537
208541
174455
39130

141703
132135
138305
29914

162228

593663

442057

9807
10538
9887
2509

27037
32841
27455
6256

22172
20675
21640
4681

32741
1393
31348
16419
4704

93589
3698
89891
35741
27902

69168
3080
66088
38329
(8369)

10225

26248

36128

2150193
2190419
1747091
39917

2150193
2190419
1747091
39917

1936290
1941740
1586668
39763

110640
6238260

110640
6238260

113970
5618431

2078507
2117392
1688845
38586

2078507
2117392
1688845
38586

1889880
1895199
1548637
38810

314930
6238260

314930
6238260

245905
5618431

# For the purpose of segment reporting in terms of AS-17 of ICAI and as prescribed in RBI guidelines, the business of the Bank has been
classified into four segments i.e., a) Treasury Operations (b) Corporate/Wholesale Banking, (c) Retail Banking and (d)Other Banking Operations
# The Bank operates only in domestic segment.
# Apportionment of expenses has been made based on segment revenue.
# Assets and liabilities wherever directly related to segments have been accordingly allocated to segments and wherever not directly related have
been allocated on the basis of segment revenue.
NOTES:
1) The above results have been audited by the Statutory Central Auditors and were taken on record by the Board of Directors of the Bank at its
meeting held on 28.04.2009.
2) Working results for the year ended 31.03.2009 have been arrived at after making necessary provisions.
3) The Board of Directors has recommended a final dividend of Re.1/- per Equity Share of the face value of Rs.10/-.
4) The policy of accounting for commission on Non-fund based business viz., Bank Guarantee and Letter of Credit has been changed during the
year effective 1st April 2008 from accrual basis to cash basis. Had the income been accounted for on accrual basis, the income for the year would
have been lower by Rs.42.07 Crore
5) Pending finalization of industry level settlement and wage revision, a sum of Rs.60 Crore has been provided on an estimated basis during the
quarter towards arrears and included under Employees' cost.
6) In terms of Agricultural Debt Waiver and Debt Relief Scheme 2008, framed by the Government of India and the guidelines, clarifications
subsequently issued by RBI, the Bank has received Rs.62.72 crore during the year on account of Debt waived in respect of small and marginal
farmers against the eligible claim of Rs.153.08 crore leaving a balance of Rs.90.36 crore as receivable from Government of India as on 31.03.09,
and the same is included in Advances.
7) As regards Debt Relief to "Other Farmers", a sum of Rs.60.41 crore has been identified to be eligible for Debt Relief, against which Rs.21.70
crore has been availed by the eligible borrowers upto 31.03.2009 which forms part of Advances.
8) Interest / Charges debited in accordance with the above scheme from 1st March 2008 to 30th June 2008 amounting to Rs.5.89 crore has
been written off / reversed. The amount debited to Profit & Loss account and the Claims from the Government of India under the above said
scheme are subject to verification by the Statutory Central Auditors.
9) Pending finality of the eligible claim due under the scheme, provision for interest receivable from Government of India has not been
considered
10) A sum of Rs.26.22 Crore has been provided by way of Interest on Matured Term Deposits from the date of maturity upto 31.03.2009, and
Inoperative Savings Deposits, pursuant to revised guidelines issued by the Reserve Bank of India.
11) The figures of the previous period/year have been re-grouped and re-classified wherever necessary.
12) The number of shareholders' complaints pending is Nil. Number of complaints received and resolved during the quarter are 426.
Place : Bangalore
Date : 28th April, 2009
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S.C. KALIA
Executive Director

ALBERT TAURO
Chairman & Managing Director
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