44
SCHEDULES TO FINANCIAL STATEMENTS
for the year ended 31 March 2012
26. DETAILS OF NON-PERFORMING FINANCIAL ASSETS PURCHASEDSOLD
There were no purchases or sales of non-performing financial assets fromto other banks during the year ended 31 March 2012 Previous Year: Nil.
27. PROVISION FOR STANDARD ASSETS AND DERIVATIVES Particulars
In ` thousands
31 Mar 2012
31 Mar 2011 General Loan Loss Provision on Standard Assets
557,174 333,014
General Provision on Credit Exposures on Derivatives 219,498
20,572 28. BUSINESS RATIOS
Particulars
In ` thousands
31 Mar 2012
31 Mar 2011 i
Interest Income to working funds 5.99
6.66 ii
Non-interest income to working funds 1.04
0.60 iii
Operating profits to working funds
2.17
1.86 iv
Return on Assets 1.12
0.79 v
Business deposits plus advances per employee 327,816
240,649 vi
Net Profit per employee 4,269
2,052 vii
Percentage of Net NPA to Net Advances 0.60
0.31
Note :
1. Working funds are reckoned as average of total assets excluding accumulated losses, if any as reported to Reserve
Bank of India in Form X under Section 27 of the Banking Regulation Act, 1949, during the 12 months of the financial year.
2. Return on Assets is with reference to average working funds i.e. total of assets excluding accumulated losses, if any.
3. Business volume has been computed based on advances and deposits excluding interbank deposits outstanding as at
the year-end. 4.
Employee numbers are those as at the year-end.
DBS Bank Ltd., India Annual Report 2011-12 45
SCHEDULES TO FINANCIAL STATEMENTS
for the year ended 31 March 2012
29. EXPOSURE TO CAPITAL MARKET Sr.
No
Particulars
In ` thousands 31 Mar 2012
31 Mar 2011 i
Investments made in equity shares, convertible bonds, convertible debentures and units of equity-oriented mutual funds the corpus of
which is not exclusively invested in corporate debt -
- ii
Advances against shares, bonds, debentures or other securities or on clean basis to individuals for investment in shares including IPO’sESOPS,
convertible bonds, convertible debentures and units of equity oriented mutual funds
- -
iii Advances for any other purposes where shares or convertible bonds
or convertible debentures or units of equity oriented mutual funds are taken as primary security
- -
iv Advances for any other purposes to the extent secured by collateral
security of shares or convertible bonds or convertible debentures or units of equity oriented mutual funds i.e. where the primary security
other than sharesconvertible bondsconvertible debenturesunits of equity oriented mutual funds does not fully cover the advances
- -
v Secured and unsecured advances to stockbrokers and guarantees issued
on behalf of stockbrokers and market makers 650,000
850,000 vi
Loans sanctioned to corporates against the security of sharesbondsdebentures or other securities or on clean basis for
meeting promoter’s contribution to the equity of new companies in anticipation of raising resources
- -
vii Bridge loans to companies against expected equity flowsissues
- -
viii Underwriting commitments taken up in respect of primary issue of
shares or convertible bonds or convertible debentures or units of equity oriented mutual funds
- -
ix Financing to stockbrokers for margin trading
- -
x All exposures to venture capital funds both registered and unregistered
- -
Total Exposure to Capital Market 650,000
850,000
46
SCHEDULES TO FINANCIAL STATEMENTS
for the year ended 31 March 2012
30. EXPOSURE TO REAL ESTATE SECTOR Particulars
