Centurion Bank of Punjab (Delisted) results
BSE: 532273
Last traded ₹41.40 on 6 Jun 2008
Delisted on 16 Jul 2008.
Results for the quarter to Dec 2007
Standalone: the listed company alone, without its subsidiaries. ₹ crore.
- Total incomeTotal income. Total income is interest earned plus other income, fees and treasury gains among it.
- ₹731 Cr+5.2% 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.
- ₹48 Cr+15.9% 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.
- Earnings per shareEarnings per share. Profit belonging to shareholders divided by the number of shares, restated for later splits and bonuses so they do not break the line.
- ₹0.26+4.0% 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, on the quarter before wherever the profit of that quarter was restated, and across a change of basis named under the table, on the lines it affects.
- Net interest incomeNet interest income. Interest earned − interest paid; for a finance company, interest earned − finance costs.
- ₹190 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.
- ₹128 Cr
From interest earned to net profit, ₹ crore
- Interest earned571
- Interest paid−381
- Net interest income190
- Other income+160
- Operating expenses−222
- Before provisions128
- Set aside for bad loans−54
- Profit before tax74
- Tax−26
- Net profit48
Centurion Bank of Punjab results by quarter
Standalone: the listed company alone, without its subsidiaries. Latest quarter to Dec 2007. Results for the quarter to Mar 2008 were due by 30 May 2008, 60 days after it ends.Results filings and date
Total income and net profit by quarter, ₹ crore
- Total income
- Net profit
Net interest income and money set aside for bad loans by quarter, ₹ crore
- Net interest income
- Set aside for bad loans
| ₹ crore | Sep 2007 | Dec 2007 |
|---|---|---|
| Total incomeTotal income. Total income is interest earned plus other income, fees and treasury gains among it. | 694 | 731 |
| 537 | 571 | |
| 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. | 433 | 457 |
| 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. | 92 | 99 |
| 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. | 12 | 12 |
| 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 | 3 |
| Interest paid | 367 | 381 |
| Net interest incomeNet interest income. Interest earned − interest paid; for a finance company, interest earned − finance costs. | 170 | 190 |
| 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. | 157 | 160 |
| 232 | 222 | |
| 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. | 95 | 128 |
| 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. | 32 | 54 |
| Profit before tax | 63 | 74 |
| Tax | 23 | 26 |
| Net profit | 42 | 48 |
| Earnings per shareEarnings per share. The earnings per share stated for the period ÷ the split factor, so a figure from before a split sits on the same share as today's; a figure the company filed after a split or bonus is already on the new share count and is divided by the splits after its filing day only. | ₹0.25 | ₹0.26 |
| Diluted earnings per shareDiluted earnings per share. That diluted earnings per share on today's share count, restated by the same splits and bonuses as the basic figure. | ₹0.22 | ₹0.24 |
Earnings per share in rupees, restated for later splits and bonuses.
| Figure | Sep 2007 | Dec 2007 |
|---|---|---|
| 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. | 503 | 564 |
| 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. | 222 | 254 |
| 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. | 55.84% | 54.87% |
Per cent, and the bad loans themselves in ₹ crore. A non-performing loan is one the borrower has stopped paying, generally for 90 days.