Results Snapshot
Figures in Million
Standalone Annual Results
Mar'04
Mar'03
Mar'02
Mar'01
Mar'00
Mar'99
Mar'98
Interest Earned
66,969.00
68,836.00
80,337.00
91,823.00
92,451.00
1,01,328.00
1,13,571.00
Income On Investments
20,118.00
21,219.00
27,553.00
31,503.00
32,599.00
33,404.00
39,937.00
Interest On Balances With Rbi Other Inter Bank Funds
56.00
318.00
1,481.00
2,644.00
1,249.00
2,810.00
3,522.00
Interest / Discount On Advances / Bills
46,013.00
45,946.00
48,100.00
51,456.00
53,577.00
57,219.00
60,389.00
Others
782.00
1,353.00
3,203.00
6,220.00
5,026.00
7,895.00
9,723.00
Other Income
42,499.00
47,906.00
40,007.00
39,372.00
40,384.00
51,857.00
30,510.00
Total Income
1,09,468.00
1,16,742.00
1,20,344.00
1,31,195.00
1,32,835.00
1,53,185.00
1,44,081.00
Interest Expended
5,328.00
7,623.00
16,618.00
27,404.00
24,550.00
34,993.00
43,448.00
Net Interest Income
61,641.00
61,213.00
63,719.00
64,419.00
67,901.00
66,335.00
70,123.00
Total Expenditure (Excl Depreciation)
78,711.00
78,149.00
79,692.00
76,216.00
77,667.00
76,020.00
64,786.00
Employee Cost
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Operating Expenses
78,319.00
77,899.00
79,442.00
75,918.00
76,795.00
75,627.00
64,147.00
Operating Profit Before Provisions and Contingencies
25,767.00
31,165.00
24,224.00
27,624.00
31,124.00
42,330.00
32,543.00
Exceptional Items
-338.00
-195.00
-190.00
-49.00
-506.00
-158.00
3,304.00
Provisions and contingencies
10,760.00
16,120.00
17,346.00
12,592.00
16,250.00
33,599.00
14,774.00
Profit Before Tax
14,669.00
14,850.00
6,688.00
14,983.00
14,368.00
8,573.00
21,073.00
Tax
5,909.00
9,010.00
2,700.00
6,315.00
6,025.00
5,377.00
15,178.00
Profit After Tax
8,760.00
5,840.00
3,988.00
8,668.00
8,343.00
3,196.00
5,895.00
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
8,760.00
5,840.00
3,988.00
8,668.00
8,343.00
3,196.00
5,895.00
Face Value
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Reserves
2,02,431.00
2,03,094.00
1,94,619.00
2,06,122.00
1,56,569.00
1,49,802.00
1,22,786.00
Earnings per share (EPS)
46.3
34.5
18.38
41.81
43.82
14.85
33.23
Diluted Earnings per share
46.3
34.5
18.38
41.81
43.82
14.85
33.23
Operating Profit Margin (Excl OI)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Gross Profit Margin
21.9%
21.57%
8.32%
16.32%
15.54%
8.46%
18.55%
PAT Margin
13.08%
8.48%
4.96%
9.44%
9.02%
3.15%
5.19%
Net Interest Margin
0.52%
0.52%
0.52%
0.55%
0.67%
0.55%
0.67%
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)
0.0%
0.0%
0.0%
12.68%
11.48%
10.55%
9.5%
Capital Adequacy Ratio (Tier 1)
0.0%
0.0%
0.0%
9.58%
9.07%
8.31%
8.0%
Provision Coverage Ratio (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Amount of Gross NPAs
1,37,336.00
1,51,841.00
1,32,160.00
1,28,795.00
1,07,765.00
1,01,802.00
0.00
Amount of Net NPAs
1,37,336.00
1,51,841.00
1,32,160.00
1,28,795.00
1,07,765.00
1,01,802.00
0.00
% of Net NPAs
6.64%
7.52%
6.38%
6.24%
5.13%
4.55%
0.0%
% of Gross NPAs
6.64%
7.52%
6.38%
6.24%
5.13%
4.55%
0.0%
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 2004 is -2.71% vs -14.32% in Mar 2003
Net Profit
YoY Growth in year ended Mar 2004 is 50.00% vs 46.44% in Mar 2003
Operating Profit (PBDIT)
YoY Growth in year ended Mar 2004 is -17.32% vs 28.65% in Mar 2003
% of Net NPAs
YoY Growth in year ended Mar 2004 is -0.88% vs 1.14% in Mar 2003
% of Gross NPAs
YoY Growth in year ended Mar 2004 is -0.88% vs 1.14% in Mar 2003
Compare Annual Results Of San-in Godo Bank Ltd. 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 6696.9 Million
in Mar 2004Figures in Million
YoY Growth in year ended Mar 2004 is -2.71% vs -14.32% in Mar 2003
Annual - Net Profit
Net Profit 876.00 Million
in Mar 2004Figures in Million
YoY Growth in year ended Mar 2004 is 50.00% vs 46.44% in Mar 2003
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 2,576.70 Million
in Mar 2004Figures in Million
YoY Growth in year ended Mar 2004 is -17.32% vs 28.65% in Mar 2003
Annual - % of Net NPAs
% of Net NPAs 6.64%
in Mar 2004Figures in %
YoY Growth in year ended Mar 2004 is -0.88% vs 1.14% in Mar 2003
Annual - % of Gross NPAs
% of Gross NPAs 6.64%
in Mar 2004Figures in %
YoY Growth in year ended Mar 2004 is -0.88% vs 1.14% in Mar 2003






