DBS Bank Ltd., India Annual Report 2011-12 49
SCHEDULES TO FINANCIAL STATEMENTS
for the year ended 31 March 2012
39. SEGMENTAL REPORTING
As per the guidelines issued by RBI vide DBOD.No.BP.BC.8121.01.0182006-07 dated April 18, 2007, the classification of exposures to the respective segments is being followed. The Bank has identified “Treasury”, “Retail Banking”, and
“CorporateWholesale Banking” as the primary reporting segments. The business segments have been identified and reported based on the organisation structure, the nature of products and services, the internal business reporting system and
the guidelines prescribed by RBI.
Treasury undertakes trading operations, derivatives trading and foreign exchange operations, on the proprietary account and for customers. Revenues under this section primarily comprise fees, gainslosses from trading and interest income from the
investment portfolio.
Retail Banking segment constitutes the business with individuals through the branch network and other delivery channels like ATM, Internet banking etc. This segment raises deposits from customers and provides fee based services to such customers
CorporateWholesale Banking caters to the Corporate and Institutional customers. This segment includes all advances to trusts, partnership firms, companies and statutory bodies, which are not included under “Retail Banking”. These also include
custody operations, payment and settlement operations and factoring advances. Small and medium enterprises are also included in CorporateWholesale Banking.
Segment revenues stated below are aggregate of Schedule 13- Interest income and Schedule 14- Other income. The segment expenses comprise funding costs, personnel costs and other direct and allocated overheads.
Segment results are determined basis the segment revenue, segment cost and inter-unit notional chargesrecoveries for cost of funds.
In ` thousands Treasury
Markets Corporate
Wholesale Banking Retail Banking
Total
Segmental Revenue 8,970,075
11,967,453 143,939
21,081,467 6,131,656
5,400,687 87,622
11,619,965 Total Revenue
21,081,467 11,619,965
Results 2,772,248
3,517,176 588,290
5,701,134 2,085,540
625,346 -438,387
2,272,499 Unallocated charges
- -
Operating Profit 5,701,134
2,272,499 Tax
2,345,894 1,000,237
Extraordinary -
profitloss -
Net Profit after Tax 3,355,240
1,272,262
Figures in brackets indicate previous year figures
50
SCHEDULES TO FINANCIAL STATEMENTS
for the year ended 31 March 2012
In ` thousands Treasury
Markets Corporate
Wholesale Banking Retail Banking
Total
Segment Assets 231,875,086
129,156,720 50,805
361,082,611 159,725,933
75,617,298 29,546
235,372,777 Unallocated assets
2,776,612 2,065,802
Total Assets 363,859,223
237,438,579
Segment Liabilities 203,390,911
92,823,772 40,538,610
336,753,293 144,891,953
70,937,436 3,182,711
219,012,100 Unallocated Liabilities
687,911 448,700
Capital and Reserves 26,418,019
17,977,779
Total Liabilities 363,859,223
237,438,579
Figures in brackets indicate previous year figures The Bank does not have overseas operations and operates only in the domestic segment.
40. RELATED PARTIES
Kategori