Bank of Rajasthan (Delisted) results
BSE: 500019
Last traded ₹212.10 on 23 Aug 2010
Delisted on 24 Sep 2010.
Results for the quarter to Mar 2010
Standalone: the listed company alone, without its subsidiaries. ₹ crore.Bank of Rajasthan annual results and balance sheet
- Total incomeTotal income. Total income is interest earned plus other income, fees and treasury gains among it.
- ₹362 Cr−4.8% on a year ago · −3.1% on the quarter beforeChange on a year ago and on the quarter before. The change against the same quarter a year before: (this quarter's figure less that quarter's) divided by that quarter's, times 100. The change on the quarter before is the same sum against the quarter just before, taken as this quarter's results restate it where the company restated it: this quarter's year to date less this quarter. Left out where either figure is a loss, where the restatement covers two or more earlier quarters without saying which, or across a change of basis named under the table, on the lines it affects.
- Net profitNet profit. What is left of revenue and other income after every cost, interest and tax.
- −₹92 Cr
- Net interest incomeNet interest income. Interest earned − interest paid; for a finance company, interest earned − finance costs.
- ₹104 Cr
- Profit before provisionsProfit before provisions. Profit before anything is set aside for loans that may not be repaid: for a bank, total income − its expenses other than provisions, as stated, which are interest paid and operating expenses; for a finance company, total income − finance costs − operating expenses.
- −₹61 Cr
From interest earned to net profit, ₹ crore
- Interest earned333
- Interest paid−229
- Net interest income104
- Other income+30
- Operating expenses−195
- Before provisions−61
- Set aside for bad loans−69
- Profit before tax−131
- Tax+39
- Net profit−92
Bank of Rajasthan results by quarter
Standalone: the listed company alone, without its subsidiaries. Latest quarter to Mar 2010. Results for the quarter to Jun 2010 were due by 14 Aug 2010, 45 days after it ends.Results filings and date
Total income and net profit by quarter, ₹ crore
- Total income
- Net profit
- Loss
Net interest income and money set aside for bad loans by quarter, ₹ crore
- Net interest income
- Set aside for bad loans
- Loss
| ₹ crore | Sep 2007 | Dec 2007 | Mar 2008 | Jun 2008 | Sep 2008 | Dec 2008 | Mar 2009 | Jun 2009 | Sep 2009 | Dec 2009 | Mar 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total incomeTotal income. Total income is interest earned plus other income, fees and treasury gains among it. | 278 | 309 | 315 | 341 | 365 | 420 | 381 | 379 | 374 | 374 | 362 |
| 251 | 262 | 287 | 320 | 341 | 373 | 351 | 343 | 341 | 345 | 333 | |
| On loansInterest on loans. Interest and discount earned on the bank's loans and bills for the period; given only where the four interest lines add to the interest earned stated. | 149 | 160 | 173 | 201 | 232 | 250 | 234 | 232 | 229 | 226 | 219 |
| On investmentsInterest on investments. Income from the bonds and other securities the bank holds, for the period; given only where the four interest lines add to the interest earned stated. | 66 | 71 | 81 | 89 | 86 | 99 | 100 | 98 | 108 | 114 | 111 |
| On balances with the RBI and other banksInterest on balances with the RBI and other banks. Interest earned on money placed with the Reserve Bank and with other banks, for the period; given only where the four interest lines add to the interest earned stated. | 36 | 30 | 32 | 29 | 22 | 20 | 16 | 12 | 4 | 4 | 3 |
| Other interestOther interest. Interest earned besides on loans, investments and balances with banks, for the period; given only where the four interest lines add to the interest earned stated. | 1 | 2 | 1 | 0 | 0 | 4 | 1 | 0 | 0 | 0 | 0 |
| Interest paid | 182 | 185 | 202 | 234 | 236 | 261 | 268 | 270 | 270 | 255 | 229 |
| Net interest incomeNet interest income. Interest earned − interest paid; for a finance company, interest earned − finance costs. | 69 | 78 | 85 | 86 | 104 | 112 | 83 | 72 | 70 | 90 | 104 |
| Other incomeOther income. Income besides interest, for the period: for a bank, its other income as stated, such as fees, commissions and gains on investments; for a finance company, total income − interest earned, or where total income is not stated, fees and commission + gains on fair value changes + other income. | 27 | 47 | 28 | 22 | 25 | 47 | 30 | 37 | 34 | 29 | 30 |
| 67 | 67 | 73 | 66 | 71 | 83 | 95 | 75 | 75 | 148 | 195 | |
| Profit before provisionsProfit before provisions. Profit before anything is set aside for loans that may not be repaid: for a bank, total income − its expenses other than provisions, as stated, which are interest paid and operating expenses; for a finance company, total income − finance costs − operating expenses. | 29 | 58 | 41 | 41 | 59 | 76 | 18 | 34 | 29 | −29 | −61 |
| Set aside for bad loansProvisions for bad loans. What was set aside in the period for loans that may not be repaid: for a bank, its provisions other than for tax, which also cover its investments and loans still being repaid; for a finance company, the impairment of its loans and other financial assets. | −5 | −2 | 6 | 4 | 2 | 2 | 13 | 10 | 0 | 38 | 69 |
| Profit before tax | 34 | 60 | 34 | 38 | 57 | 74 | 4 | 23 | 29 | −67 | −131 |
| Tax | 10 | 18 | 16 | 7 | 22 | 25 | 1 | 6 | 11 | −22 | −39 |
| Net profit | 24 | 42 | 19 | 31 | 35 | 49 | 3 | 17 | 18 | −45 | −92 |
Earnings per share in rupees, restated for later splits and bonuses.
| Figure | Sep 2007 | Dec 2007 | Mar 2008 | Jun 2008 | Sep 2008 | Dec 2008 | Mar 2009 | Jun 2009 | Sep 2009 | Dec 2009 | Mar 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross bad loans, ₹ croreGross non-performing loans, ₹ crore. Non-performing loans, those whose borrowers have stopped paying, generally for 90 days, at the amount still owed at the period end, as the bank states it. A 0 is given only for a bank whose loans are at most 1% of its assets, and the figure is not given where it is below the net figure or the bank's own gross share of loans shows a digit slipped. | 1 | 136 | 126 | 127 | 122 | 150 | 161 | 165 | 177 | 232 | 294 |
| Net bad loans, ₹ croreNet non-performing loans, ₹ crore. Non-performing loans less what the bank has set aside against them, at the period end, as the bank states it; not given where it is above the gross figure, or 0 beside a gross figure that is not. | 0 | 32 | 31 | 32 | 32 | 54 | 57 | 53 | 64 | 84 | 134 |
| Bad loans already provided forProvision coverage. (gross non-performing loans − net non-performing loans) ÷ gross non-performing loans × 100: the share of non-performing loans already covered by money set aside. | 77.83% | 76.15% | 75.52% | 75.03% | 73.93% | 64.01% | 64.56% | 68.06% | 63.85% | 63.67% | 54.56% |
Per cent, and the bad loans themselves in ₹ crore. A non-performing loan is one the borrower has stopped paying, generally for 90 days.