Results Snapshot
Figures in Million
Standalone Annual Results
Mar'06
Mar'05
Mar'04
Mar'03
Mar'02
Mar'01
Mar'00
Interest Earned
89,268.00
82,457.00
81,323.00
80,378.00
89,148.00
96,240.00
98,148.00
Income On Investments
33,463.00
26,538.00
25,536.00
23,428.00
27,110.00
27,568.00
27,849.00
Interest On Balances With Rbi Other Inter Bank Funds
43.00
78.00
117.00
252.00
1,674.00
1,731.00
965.00
Interest / Discount On Advances / Bills
54,015.00
55,054.00
55,415.00
55,906.00
59,761.00
65,240.00
66,726.00
Others
1,747.00
787.00
255.00
792.00
603.00
1,701.00
2,608.00
Other Income
45,907.00
44,963.00
41,646.00
37,792.00
38,479.00
41,823.00
40,782.00
Total Income
1,35,175.00
1,27,420.00
1,22,969.00
1,18,170.00
1,27,627.00
1,38,063.00
1,38,930.00
Interest Expended
12,889.00
8,470.00
7,473.00
7,846.00
16,370.00
24,065.00
25,153.00
Net Interest Income
76,379.00
73,987.00
73,850.00
72,532.00
72,778.00
72,175.00
72,995.00
Total Expenditure (Excl Depreciation)
85,056.00
77,937.00
81,958.00
81,952.00
86,428.00
93,550.00
85,480.00
Employee Cost
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Operating Expenses
82,769.00
76,627.00
81,412.00
81,634.00
86,048.00
77,082.00
83,489.00
Operating Profit Before Provisions and Contingencies
39,347.00
37,638.00
32,548.00
28,498.00
25,079.00
28,701.00
30,221.00
Exceptional Items
-1,797.00
3,375.00
1,071.00
-126.00
-250.00
-8,253.00
-1,924.00
Provisions and contingencies
10,533.00
10,058.00
6,270.00
19,516.00
13,570.00
10,216.00
17,124.00
Profit Before Tax
26,697.00
30,955.00
27,268.00
8,856.00
11,259.00
10,232.00
11,173.00
Tax
10,412.00
12,184.00
12,428.00
4,209.00
4,542.00
4,040.00
4,727.00
Profit After Tax
16,285.00
18,771.00
14,840.00
4,647.00
6,717.00
6,192.00
6,446.00
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
16,285.00
18,771.00
14,840.00
4,647.00
6,717.00
6,192.00
6,446.00
Face Value
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Reserves
3,70,757.00
3,37,516.00
3,13,971.00
2,92,637.00
2,92,359.00
2,95,117.00
2,63,775.00
Earnings per share (EPS)
66.0
75.86
57.3
16.3
24.17
26.14
24.3
Diluted Earnings per share
66.0
75.86
57.3
16.3
24.17
26.14
24.3
Operating Profit Margin (Excl OI)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Gross Profit Margin
29.91%
37.54%
33.53%
11.02%
12.63%
10.63%
11.38%
PAT Margin
18.24%
22.76%
18.25%
5.78%
7.53%
6.43%
6.57%
Net Interest Margin
0.27%
0.29%
0.28%
0.28%
0.27%
0.31%
0.42%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA Amount
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
12.4%
12.03%
11.7%
11.33%
11.34%
11.34%
11.75%
Capital Adequacy Ratio (Tier 1)
10.24%
10.42%
10.33%
10.21%
10.25%
10.25%
10.43%
Provision Coverage Ratio (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Amount of Gross NPAs
1,23,865.00
1,53,426.00
1,67,080.00
2,07,396.00
0.00
1,21,195.00
1,02,712.00
Amount of Net NPAs
1,23,865.00
1,53,426.00
1,67,080.00
2,07,396.00
0.00
1,21,195.00
1,02,712.00
% of Net NPAs
4.11%
5.15%
5.67%
6.91%
0.0%
4.21%
3.37%
% of Gross NPAs
4.11%
5.15%
5.67%
6.91%
0.0%
4.21%
3.37%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Number of Branches
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Mar 2006 is 8.26% vs 1.39% in Mar 2005
Net Profit
YoY Growth in year ended Mar 2006 is -13.24% vs 26.49% in Mar 2005
Operating Profit (PBDIT)
YoY Growth in year ended Mar 2006 is 4.54% vs 15.64% in Mar 2005
% of Net NPAs
YoY Growth in year ended Mar 2006 is -1.04% vs -0.52% in Mar 2005
% of Gross NPAs
YoY Growth in year ended Mar 2006 is -1.04% vs -0.52% in Mar 2005
Compare Annual Results Of Chugin Financial Group, Inc. With
Figures in Million
Consolidate Annual Results
Change(JPY)
Change(%)
Interest Earned
0
0
0.00
Income On Investments
0
0
0.00
Interest On Balances With Rbi Other Inter Bank Funds
0
0
0.00
Interest / Discount On Advances / Bills
0
0
0.00
Others
0
0
0.00
Other Income
0
0
0.00
Total Income
0
0
0.00
Interest Expended
0
0
0.00
Net Interest Income
0
0
0.00
Total Expenditure (Excl Depreciation)
0
0
0.00
Employee Cost
0
0
0.00
Other Operating Expenses
0
0
0.00
Operating Profit Before Provisions and Contingencies
0
0
0.00
Exceptional Items
0
0
0.00
Provisions and contingencies
0
0
0.00
Profit Before Tax
0
0
0.00
Tax
0
0
0.00
Profit After Tax
0
0
0.00
Extraordinary Items
0
0
0.00
Prior Period Expenses
0
0
0.00
Other Adjustments
0
0
0.00
Net Profit
0
0
0.00
Face Value
0
0
0.00
Reserves
0
0
0.00
Earnings per share (EPS)
0
0
0.00
Diluted Earnings per share
0
0
0.00
Operating Profit Margin (Excl OI)
0%
0%
0.00
0.00%
Gross Profit Margin
0%
0%
0.00
0.00%
PAT Margin
0%
0%
0.00
0.00%
Net Interest Margin
0%
0%
0.00
0.00%
Return on Assets
0%
0%
0.00
0.00%
CASA (%)
0%
0%
0.00
0.00%
CASA Amount
0
0
0.00
Capital Adequacy Ratio (Total)
0%
0%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0%
0%
0.00
0.00%
Provision Coverage Ratio (%)
0%
0%
0.00
0.00%
Amount of Gross NPAs
0
0
0.00
Amount of Net NPAs
0
0
0.00
% of Net NPAs
0%
0%
0.00
0.00%
% of Gross NPAs
0%
0%
0.00
0.00%
Public Share Holdings (%)
0%
0%
0.00
0.00%
Pledged Promotor Holding (%)
0%
0%
0.00
0.00%
Pledged Capital (%)
0%
0%
0.00
0.00%
Number of ATMs
0
0
0.00
Number of Branches
0
0
0.00
Annual - Interest Earned
Interest Earned 8926.8 Million
in Mar 2006Figures in Million
YoY Growth in year ended Mar 2006 is 8.26% vs 1.39% in Mar 2005
Annual - Net Profit
Net Profit 1,628.50 Million
in Mar 2006Figures in Million
YoY Growth in year ended Mar 2006 is -13.24% vs 26.49% in Mar 2005
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 3,934.70 Million
in Mar 2006Figures in Million
YoY Growth in year ended Mar 2006 is 4.54% vs 15.64% in Mar 2005
Annual - % of Net NPAs
% of Net NPAs 4.11%
in Mar 2006Figures in %
YoY Growth in year ended Mar 2006 is -1.04% vs -0.52% in Mar 2005
Annual - % of Gross NPAs
% of Gross NPAs 4.11%
in Mar 2006Figures in %
YoY Growth in year ended Mar 2006 is -1.04% vs -0.52% in Mar 2005






