ICICI Bank 2005 Annual Report Download - page 127

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F67
Convenience
translation
into US$
Rs. Rs. Rs. US$
Interest and dividend income
Interest and fees on loans ............................................. 75,080 69,221 70,968 1,627
Interest and dividends on securities ............................ 17,022 15,695 15,733 361
Interest and dividends on trading assets ..................... 2,754 3,232 1,946 45
Interest on balances and deposits with banks ............ 1,151 1,148 1,512 35
Other interest income .................................................... 2,096 1,823 2,101 48
TT
TT
Total interest and dividend incomeotal interest and dividend income
otal interest and dividend incomeotal interest and dividend income
otal interest and dividend income ..................................................
..................................................
......................... 98,103 91,119 92,260 2,116
Interest expenseInterest expense
Interest expenseInterest expense
Interest expense
Interest on deposits........................................................ 26,033 30,680 33,105 759
Interest on long-term debt ............................................. 48,163 38,412 31,310 718
Interest on short-term borrowings................................ 3,829 1,374 2,037 47
Interest on trading liabilities .......................................... 3,114 1,815 1,747 40
Other interest expense .................................................. 2,069 94 210 5
TT
TT
T
otal interest expenseotal interest expense
otal interest expenseotal interest expense
otal interest expense ..........................................................................................
..........................................................................................
............................................. 83,208 72,375 68,409 1,569
Net interest incomeNet interest income
Net interest incomeNet interest income
Net interest income ..................................................................................................
..................................................................................................
................................................. 14,895 18,744 23,851 547
Provision for loan losses ................................................ 19,649 20,055 14,677 336
Net interest income/ (loss) after provision for loan lossesNet interest income/ (loss) after provision for loan losses
Net interest income/ (loss) after provision for loan lossesNet interest income/ (loss) after provision for loan losses
Net interest income/ (loss) after provision for loan losses (4,754) (1,311) 9,174 211
Non-interest incomeNon-interest income
Non-interest incomeNon-interest income
Non-interest income
Fees, commission and brokerage ................................. 5,397 8,988 15,660 359
Net gain on trading activities......................................... 3,075 4,433 286 7
Net gain/(loss) on venture capital investments ........... (1,278) 357 62 1
Net gain on other securities .......................................... 956 12,443 5,863 134
Net gain on sale of loans and credit substitutes ......... 3,120 4,687 5,414 124
Foreign exchange income .............................................. 92 2,061 2,130 49
Software development and services ............................ 1,062 903 1,731 40
Gain on sale of property and equipment ...................... 16 345 33 1
Transaction processing services ................................... 696 1,756 3,219 74
Other non-interest income ............................................ 117 705 247 6
TT
TT
T
otal non-interest incomeotal non-interest income
otal non-interest incomeotal non-interest income
otal non-interest income................................................................................
................................................................................
........................................ 13,253 36,678 34,645 795
Non-interest expenseNon-interest expense
Non-interest expenseNon-interest expense
Non-interest expense
Salaries and employee benefits .................................... 5,383 9,976 11,292 259
General and administrative expenses .......................... 12,581 16,440 21,193 486
Amortization of intangible assets ................................. 645 685 604 14
TT
TT
T
otal non-interest expenseotal non-interest expense
otal non-interest expenseotal non-interest expense
otal non-interest expense ............................................................................
............................................................................
...................................... 18,609 27,101 33,089 759
Income/(loss) before equity in loss of affiliates, minorityIncome/(loss) before equity in loss of affiliates, minority
Income/(loss) before equity in loss of affiliates, minorityIncome/(loss) before equity in loss of affiliates, minority
Income/(loss) before equity in loss of affiliates, minority
interest, income taxesinterest, income taxes
interest, income taxesinterest, income taxes
interest, income taxes............................................................................
............................................................................
...................................... (10,110) 8,266 10,730 247
Equity in loss of affiliates ............................................... (958) (1,437) (577) (13)
Minority interest .......................................................... 24 28 14 —
Income/(loss) before income taxesIncome/(loss) before income taxes
Income/(loss) before income taxesIncome/(loss) before income taxes
Income/(loss) before income taxes..................................................
..................................................
......................... (11,044) 6,857 10,167 234
Income tax (expense)/benefit ........................................ 3,061 (1,638) (1,637) (38)
Net income/(loss)Net income/(loss)
Net income/(loss)Net income/(loss)
Net income/(loss) ........................................................................................................
........................................................................................................
.................................................... (7,983) 5,219 8,530 196
Earnings per equity share:Earnings per equity share:
Earnings per equity share:Earnings per equity share:
Earnings per equity share:
Basic ................................................................................. (14.18) 8.50 11.72 0.27
Diluted ............................................................................. (14.18) 8.43 11.60 0.27
Weighted average number of equity shares used inWeighted average number of equity shares used in
Weighted average number of equity shares used inWeighted average number of equity shares used in
Weighted average number of equity shares used in
computing earnings per equity share (millions)computing earnings per equity share (millions)
computing earnings per equity share (millions)computing earnings per equity share (millions)
computing earnings per equity share (millions)
Basic ................................................................................. 563 614 728
Diluted ............................................................................. 563 619 734
for the year ended March 31, 2003 2004 2005 2005
(in millions, except share data)
consolidated statements of operations