Financial Express (Holdings) Limited (“we”, “our”, “us” and derivatives) are committed to protecting and respecting your privacy. This Privacy Policy, together with our Terms of Use, sets out the basis on which any personal data that we collect from you, or that you provide to us, will be processed by us relating to your use of any of the below websites (“sites”).


For the purposes of the Data Protection Act 1998, the data controller is Trustnet Limited of 2nd Floor, Golden House, 30 Great Pulteney Street, London, W1F 9NN. Our nominated representative for the purpose of this Act is Kirsty Witter.


We collect information about you when you register with us or use any of our websites / services. Part of the registration process may include entering personal details & details of your investments.

We may collect information about your computer, including where available your operating system, browser version, domain name and IP address and details of the website that you came from, in order to improve this site.

You confirm that all information you supply is accurate.


In order to provide personalised services to and analyse site traffic, we may use a cookie file which is stored on your browser or the hard drive of your computer. Some of the cookies we use are essential for the sites to operate and may be used to deliver you different content, depending on the type of investor you are.

You can block cookies by activating the setting on your browser which allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or part of our sites. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon as you visit our sites.


We store and use information you provide as follows:

  • to present content effectively;
  • to provide you with information, products or services that you request from us or which may interest you, tailored to your specific interests, where you have consented to be contacted for such purposes;
  • to carry out our obligations arising from any contracts between you and us;
  • to enable you to participate in interactive features of our service, when you choose to do so;
  • to notify you about changes to our service;
  • to improve our content by tracking group information that describes the habits, usage, patterns and demographics of our customers.

We may also send you emails to provide information and keep you up to date with developments on our sites. It is our policy to have instructions on how to unsubscribe so that you will not receive any future e-mails. You can change your e-mail address at any time.

In order to provide support on the usage of our tools, our support team need access to all information provided in relation to the tool.

We will not disclose your name, email address or postal address or any data that could identify you to any third party without first receiving your permission.

However, you agree that we may disclose to any regulatory authority to which we are subject and to any investment exchange on which we may deal or to its related clearing house (or to investigators, inspectors or agents appointed by them), or to any person empowered to require such information by or under any legal enactment, any information they may request or require relating to you, or if relevant, any of your clients.

You agree that we may pass on information obtained under Money Laundering legislation as we consider necessary to comply with reporting requirements under such legislation.


We want to ensure that the personal information we hold about you is accurate and up to date. You may ask us to correct or remove information that is inaccurate.

You have the right under data protection legislation to access information held about you. If you wish to receive a copy of any personal information we hold, please write to us at 3rd Floor, Hollywood House, Church Street East, Woking, GU21 6HJ. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.


The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff may be engaged in, amongst other things, the provision of support services. By submitting your personal data, you agree to this transfer, storing and processing. We will take all steps reasonably necessary, including the use of encryption, to ensure that your data is treated securely and in accordance with this privacy policy.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our sites; any transmission is at your own risk. You will not hold us responsible for any breach of security unless we have been negligent or in wilful default.


Any changes we make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.


Our sites contain links to other websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.


If you want more information or have any questions or comments relating to our privacy policy please email [email protected] in the first instance.

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UTI Bank Limited (UTI)

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Monday 17 October, 2005

UTI Bank Limited

Quarterly Results - Q2 FY 06

UTI Bank Limited
17 October 2005

                                    UTI Bank

  Regd. Office : 'Trishul', 3rd floor, Opp. Samartheshwar Temple, Law Garden,

                              Ahmedabad - 380 006.


Rs. In crores 

       PARTICULARS        FOR THE QUARTER     FOR THE QUARTER       FOR THE            FOR THE         FOR THE YEAR   
                               ENDED              ENDED          HALF YEAR ENDED    HALF YEAR ENDED        ENDED      
                             30.09.2005         30.09.2004         30.09.2005         30.09.2004        31.03.2005    
                            (Unaudited)        (Unaudited)        (Unaudited)        (Unaudited)         (Audited)    
1.     Interest earned                                                                                                
       (a)+(b)+(c)+(d)         687.60             449.31            1,309.44            876.86           1,924.16       
  (a) Interest/discount        354.06             227.06             675.21             447.31            978.77      
  on advances/bills                                                                                                   

  (b) Income on                319.40             195.28             605.40             380.83            867.60      

  (c) Interest on               8.48               9.32              17.09              17.94              32.04      
  balances with Reserve                                                                                               
  Bank of India and                                                                                                   
  other inter-bank                                                                                                    

  (d) Others                    5.66              17.65              11.74              30.78              45.75      

  2. Other Income              178.13             (3.59)             328.14             106.49            415.82      

  A. TOTAL INCOME (1+2)        865.73             445.72            1,637.58            983.35           2,339.98     

  3. Interest Expended         432.15             268.59             831.51             529.00           1,192.98     

  4. Operating expenses        197.50             138.74             366.51             268.13            581.38      

  (e) Payments to and          62.32              41.38              115.50             80.17             176.85      
  provisions for                                                                                                      

  (f) Other operating          135.18             97.36              251.01             187.96            404.53      

  B. TOTAL EXPENDITURE         629.65             407.33            1,198.02            797.13           1,774.36     
  (3)+(4) (Excluding                                                                                                  
  Provisions and                                                                                                      

  C. OPERATING PROFIT          236.08             38.39              439.56             186.22            565.62      
  (A-B) (Profit before                                                                                                
  Provisions and                                                                                                      

  D. Other Provisions          71.62             (34.78)             135.16              5.93              61.92      
  and Contingencies            

  - of which provisions        53.39              (2.51)             96.48               2.49              3.04         
  for Non-performing                                                                                                  

  E. Provision for             55.45              26.95              102.76             63.40             169.12      

  F. Net Profit (C-D-E)        109.01             46.22              201.64             116.89            334.58      

  5. Paid-up equity            278.46             232.56             278.46             232.56            273.80      
  share capital                                                                                                       

  6. Reserves excluding                                                                                               
  revaluation reserves                                                                                   2,134.39     
  (as per balance sheet                                                                                               
  of previous                                                                                                         
  accounting year)                                                                                                    

  7. Analytical Ratios                                                                                                

  (i) Percentage of             NIL                NIL                NIL                NIL                NIL       
  Shares held by                                                                                                      
  Government of India                                                                                                 

  (ii) Capital Adequacy        11.77%             10.67%             11.77%             10.67%            12.66%      

  (iii) Earnings per                                                                                                  
  Share for the period          
  / year                              
  * Basic                       3.93               1.99               7.27               5.03              14.32        
  * Diluted                     3.86               1.96               7.15               4.97              14.06        
  (iv) (a) Amount of           431.33             339.28             431.33             339.28            324.77      
  Gross Non-performing                                                                                                

  (b) Amount of Net            257.05             176.38             257.05             176.38            226.08      
  Non-performing assets                                                                                               

  (c) % of Gross NPAs           1.72               2.53               1.72               2.53              1.53       

  (d) % of Net NPAs             1.03               1.33               1.03               1.33              1.07       

  (e) Return on Assets          1.09               0.73               1.07               0.97              1.21       

  8. Aggregate  Non-promoter                                 
  * Number of shares     201,210,913        155,311,367        201,210,913        155,311,367        196,551,374        
  * Percentage of             72.26%             66.78%             72.26%             66.78%             71.79%        
Notes : 

1. The results above have been taken on record by the Board of Directors of the Bank at its meeting held at Mumbai

2. 'Other income' includes gains from securities' transactions, commission earned from guarantees/letters of credit,
fees earned from providing services to customers, selling of third party products and ATM sharing fees. 

3. With effect from 1st April, 2005, the Bank has recognized all fee income on accrual basis as against the earlier
practice of accounting such income on receipt basis where it is less than 1% of the total income of the Bank. As a
result of this change other income for the half-year ended 30th September, 2005 is higher by Rs. 3.97 crores. 

4. Disclosure about investor complaints: 

   Complaints at the beginning      Received during the       Disposed off during the    Unresolved as on 30.09.2005  
         of the quarter                   quarter                     quarter                                         
               7                            184                         183                           8*              

* Resolved in the first week of October, 2005 

5. These results for the half-year ended 30th September, 2005, have been subjected to a 'Limited Review' by the
Statutory Auditors of the Bank. 
6. Previous period figures have been regrouped and reclassified, where necessary, to make them comparable with
current quarter figures. 
Place :     Mumbai                         P.J. NAYAK 
Date :      14.10.2005                     CHAIRMAN & MANAGING DIRECTOR 

                      This information is provided by RNS
            The company news service from the London Stock Exchange           FIDIILDLIE                                                                                                                                                                                                                                                     

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