description

2012

2011

16967736
13885731
46373
3035632

12184076
9654341
77903
2451085

2071344

1574036

19039080

13758112

11970229
11664621
176696
128912
2798323
4270528
1468010
16236562
2802518

7983792
7801869
94808
87115
2164008
3610312
1459770
11607570
2150542

Borrowings
Other Liabilities & Provisions

408213
12022756
163407562
12031401
17684553
133691608
3487027
4181021

405031
9661198
129142851
10876160
14407292
103859399
1861548
4844560

Total Liabilities

183506579

145915188

8146661

10522380

3214432
45861924

2340809
36162275

38471732
121374603
3215372

28847471
92554603
1845453

I. INCOME (IN 000'S)

Interest Earned
Interest/Discount on advances/Bills
Interest on balances with RBI and other Inter-bank funds
Income on investments
Others
Other Income

Total Income
II. EXPENDITURE

Interest Expended
Interest on Deposits
Interest on RBI/inter-bank borrowings
Other Interest

Operating Expenses
GROSS PROFIT
Provisions and Contingencies
TOTAL EXPENSES

Profit After Tax

BALANCE SHEET
SOURCES OF FUNDS: (IN 000'S)

Share Capital
Total Reserves
Deposits
Demand Deposits
Savings Deposit
Term Deposits / Fixed Deposits

APPLICATION OF FUNDS :(IN 000'S)

Cash and balance with Reserve Bank of India

Balances with banks and money at call

Investments
Investments in India
GOI/State Govt. Securities

Advances
Bills Purchased & Discounted

Cash Credit, Over Draft & Loans repayable

Term Loans

Net Block
Other Assets

Total Assets
EARNING ASSETS
AVG EARNING ASSETS

75271698
42887533
977338
3931621

53155702
37553448
685326
3649795

183506579

145915188

170450959
150754323

131057687
116906431

2010

2009
RATIOS
YIELD ON FUNDS
COST OF FUNDS
NON INTEREST INCOME(NII) (000's)
NET INTEREST MARGIN(NIM)
CASA RATIO
OPE EXPENSES/TOTAL EXPENSES
GROSS PROFIT/TOTAL INCOME
NET PROFIT/TOTAL INCOME

9566080
7558271
71117
1936692

8044012
6553283
66503
1424226

1434997

1236823

11001077

9280835

RETURN ON EQUITY
RETURN ON ASSETS

6784658
6730951
16943
36764
1658511
2557908
1030260
9473429
1527648

5618328
5562205
18210
37913
1395292
2267215
1045866
8059486
1221349

YIELD ON INVESTMENTS
YIELD ON ADVANCES
COST OF DEPOSITS
CREDIT DEPOSIT RATIO
EMPLOYEES
TOTAL BUSINESS(IN 000'S)
BUSINESS PER EMPLOYEE(IN 000'S)
GROSS PROFIT/EMPLOYEE(IN 000'S)
NETPROFIT/EMPLOYEE(IN 000'S)
EARNING PER SHARE(RS)

DEPOSITS GROWTH
ADVANCES GROWTH
OTHER INCOME GROWTH
PAT GROWTH

399596
7856764
102845895
10970337
11512071
80363487
400251
4091512

320000
6289178
82066215
6951135
8560487
66554593
401499
3433178

115594018

92510070

AVG WORKING FUNDS(AWF)

8685308

5953229

TIER I CAPITAL (IN MILLION)

TIER II CAPITAL(IN MILLION)
TOTAL CRAR

2316282
32104298

2897627
23974640

GROSS NPA(INR MILLION)

NET NPA(INR MILLION)
NET NPA%
GROSS NPA %

TIER 1 CRAR
PROVISION COVERAGE RATIO

25706544
68334595
1652440

19572274
56452529
1631726

38080944
28601211
630394
3523141

28082914
26737889
412929
2819116

115594018

92510070

102755175
93039985.5

83324796

2012

2011

2010

2009

10.30%
9.32%
9.19%
7.27%
6.11%
6.52%
4997507
4200284
2781422
2425684
3.32%
3.59%
2.99%
18.19%
19.58%
21.86%
18.90%
17.23%
18.64%
17.51%
22.43%
26.24%
23.25%
14.72%
15.63%
13.89%
22.54%
21.36%
18.50%
1.53%
1.47%
1.32%
7.40%
7.18%
6.91%
12.98%
12.00%
12.11%
7.97%
6.73%
7.28%
74.28%
71.67%
66.44%
3347
2838
2630
2450
284782165 221697454 171180490 138518744
85085.80 78117.50 65087.64
56538.26
1275.93
1272.13
972.59
925.39
837.32
757.77
580.85
498.51
6.87
5.31
3.82
26.53%
31.14%
31.59%
30.32%

25.57%
35.44%
9.69%
40.77%

25.32%
21.05%
16.02%
25.08%

1235
540
0.44%
1.01%

1125
484
0.52%
1.21%

935
397
0.58%
1.36%

164710883.5 130754603 104052044

12222
916.4
12.57%
11.69%
76.81%

12.75%
11.85%

8045.9
678.5
13.46%
12.41%

1021
611
1.08%
1.80%

RATIOS
YIELD ON FUNDS
COST OF FUNDS
NON INTEREST INCOME(NII) (000's)
NET INTEREST MARGIN(NIM)
CASA RATIO
OPE EXPENSES/TOTAL EXPENSES
GROSS PROFIT/TOTAL INCOME
NET PROFIT/TOTAL INCOME
RETURN ON EQUITY
RETURN ON ASSETS
YIELD ON INVESTMENTS
YIELD ON ADVANCES
COST OF DEPOSITS
CREDIT DEPOSIT RATIO
EMPLOYEES
TOTAL BUSINESS(IN 000'S)
BUSINESS PER EMPLOYEE(IN 000'S)
GROSS PROFIT/EMPLOYEE(IN 000'S)
NETPROFIT/EMPLOYEE(IN 000'S)
EARNING PER SHARE(RS)
DEPOSITS GROWTH
ADVANCES GROWTH
OTHER INCOME GROWTH
PAT GROWTH

GROSS NPA(INR MILLION)

NET NPA(INR MILLION)
NET NPA%
GROSS NPA %
AVG WORKING FUNDS(AWF)
TIER I CAPITAL (IN MILLION)
TIER II CAPITAL(IN MILLION)
TOTAL CRAR
TIER 1 CRAR
PROVISION COVERAGE RATIO

2010

2011

2012

9.19%
6.52%
2781422
2.99%
21.86%
17.51%
23.25%
13.89%
18.50%
1.32%
6.91%
12.11%
7.28%
66.44%
2630
171180490
65087.64
972.59
580.85
3.82

9.32%
6.11%
4200284
3.59%
19.58%
18.64%
26.24%
15.63%
21.36%
1.47%
7.18%
12.00%
6.73%
71.67%
2838
221697454
78117.50
1272.13
757.77
5.31

10.30%
7.27%
4997507
3.32%
18.19%
17.23%
22.43%
14.72%
22.54%
1.53%
7.40%
12.98%
7.97%
74.28%
3347
284782165
85085.80
1275.93
837.32
6.87

25.32%
21.05%
16.02%
25.08%

25.57%
35.44%
9.69%
40.77%

26.53%
31.14%
31.59%
30.32%

935
397
0.58%
1.36%
104052044

1125
484
0.52%
1.21%
130754603

1235
540
0.44%
1.01%
164710883.5

12.75%
11.85%

12222
916.4
12.57%
11.69%

8045.9
678.5
13.46%
12.41%

76.81%

12.00%
10.00%
8.00%
yield on funds

6.00%

cost of funds
4.00%
2.00%
0.00%
2010

2011

2012

SPREAD
yield on advances
12.11%

7.28%

2.99%
2010

cost of deposits
12.00%

Net Interest Margin

12.98%
7.97%

6.73%

3.59%
2011

3.32%

2012

2010

ROE & ROA

return on equity

return on assets
22.54%
21.36%

18.50%

1.47%

1.32%
2010

2011

1.53%
2012