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Press Releases March,2012

Performance Highlights –FY 2012

(Figures in Rs. crores)

  Year ended March 2012 Year ended March 2011 Variation
Individual Loan Disbursements 19118 16268* 18%
Income from operations 5983 4470 34%
Total income incl other income 6215 4869 28%
Profit before other income & exceptional items 1131 1045 8%
Net Profit after Tax 914.20 974.49 (6%)
Dividend 180% 175%  
Gross NPA% 0.42% 0.47%  
Net NPA% 0.14% 0.08%  
Outstanding Mortgage Portfolio 63080 51090 23%

1 crore =10 million

Excluding staff loan portfolio of Rs 1245 cr taken over from LIC of India

During the FY2012 in the individual loan category, the Company disbursed loans totaling Rs 19118 cr, as compared to Rs 16268 cr in the FY2011, a growth of 18%.

Loan disbursements to developers during the year was Rs 910 cr against Rs 2400 cr for the previous year.

The Company's Income from operations for the FY 2012 was Rs.5983 crores as against Rs 4470 crores during the FY 2011, a growth of 34%. The total income for the year ended March 2012 was Rs 6215 cr as against Rs 4869 cr for the previous year, a growth of 28%.

Profit from operations before other income & exceptional items for the year ended March 31, 2012 stood at Rs. 1131 as against Rs. 1045 cr for the previous year, a growth of 8%.

Net Profit for the year ended March 31, 2012 amounted to Rs. 914.20 crore as compared to Rs. 974.49 crores in the previous year.

The Outstanding Mortgage Portfolio as on March 31, 2012 was Rs. 63080 crores as against Rs. 51090 crores on March 31, 2011, thus registering a growth of 23%. Individual Loan Portfolio stood at Rs. 59895 cr, a growth of 28% over the previous year.

The Gross NPAs of the Company stood at Rs 265 cr or 0.42% on March 31, 2012 as against Rs 242 cr or 0.47% as on March 31, 2011.

Total provisions including provisions on standard assets, provisions for teaser loans and provisions for NPAs as per NHB norms revised during the year stood at Rs. 645 cr. (Previous year Rs 484 cr)

The Net Interest Margins for the whole year stood at 2.44% as against 3.08% for the previous year.

The Board of Directors have recommended dividend of 180%.

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