Institute of Chartered Financial Analysts of India (ICFAI) University 2006 Certification Finance Management of Financial Institutions - II - Question Paper

0.00

40.00

(-)5.12

Total
854.11
771.02

iii. Business ratios as at the year end as calculated by the management as per the guidelines of the RBI:
Capital Adequacy Ratio




12.09%




12.32%

- Interest income*
7.96%
8.42%

- Non – interest income*
1.23%
1.55%

- Operating profit*
2.52%
2.77%

- Return on assets**
1.10%
1.30%

- Business per employee*** (Rs. in lakhs)
346.72
286.48

- Profit- net, per employee (Rs. in lakhs)
2.81
2.78


* As a percentage to working funds reckoned as avg. of total of assets as reported to Reserve Bank of India in Form X under part 27 of Banking Regulation Act, 1949 during the 12 months of the financial year.

** As a percentage to working funds comprising total avg. assets as at the year.

*** Based on fortnightly avg. of deposits (other than Inter Bank Deposits) plus advances, including for special reporting days communicated to Reserve Bank of India.

9. i. Movement of provision towards NPAs (Rs. in Crores)


As on

31.3.2005
As on

31.3.2004

Opening Balance
1466.50
1100.48

Add : Provision made during the year
216.46
643.61

Less : Write off, write back of excess provision during the year
307.63
277.59

Closing Balance
1375.33
1466.50


ii. Movement of provisions for Depreciation on Investments

(Rs. in Crores)


As on

31.3.2005
As on

31.3.2004

Opening Balance
10.17
35.62

Add : Provision made during the year
22.58
-

Less : Write off, write back of excess
7.90
25.45

Provisions during the year Closing Balance
24.85
10.17


10. ISSUER COMPOSITION OF NON SLR INVESTMENTS AS ON 31ST MARCH, 2005

(Rs. in Crores)

Earning:   Approval pending.