Khushi Ra.,,df LDM

CASH FLOW OF SBI;
Year
Latest 2012
5
1
2011
2
2010
1
2009
2
2008
1
2007 2006 2005 2004

1
2
2
2
Cash Flow Summary

Cash and Cash Equivalents at Beginning of
the year
Cash Flow From Operating Activities
68.36
46.49
20.43
9.19
2.68
4.61
2.37
3.10
23.0
8
33.3
2
Net Profit before Tax & Extraordinary Items
65.04
88.45
226.8
9
276.6
2
238.1
9
242.0
2
92.60
72.6
7
78.6
3
44.6
5
Depreciation
40.91
31.45
31.71
34.73
25.89
21.97
20.90
18.5
3
Interest (Net)
71.64
69.46
23.28
4.88
15.84
5.90
5.45
3.23
Dividend Received
P/L on Sales of Assets
-3.35
0.52
-3.35
0.21
-3.26
-2.79
-3.38
2.64
0.00
0.00
0.00
0.05
0.00
0.00
-0.43
0.00
0.00
28.00
16.7
8
2.26
0.00
0.34
P/L on Sales of Invest
-3.24
2.34
13.96
18.8
5
3.30
0.00
0.26
0.00
0.00
0.00
0.00
Prov. & W/O (Net)
42.07
39.77
14.91
16.99
15.50
0.00
0.00
0.00
2.30
P/L in Forex
Fin. Lease & Rental Chrgs
-0.16
0.00
-0.18
0.00
1.43
0.00
-1.90
0.00
-4.12
0.00
-2.33
0.00
-0.88
0.00
0.39
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5.10
3.54
151.6
3
137.3
6
64.85
39.84
52.37
-2.46
30.57
86.59
48.91
291.7
4
316.4
6
290.5
6
239.5
6
123.1
7
0.13
0.00
5.28
12.9
6
91.5
9
Trade & 0th receivables
45.11
42.21
34.65
139.9
2
169.2
0
121.5
6
Inventories
61.85
57.35
49.95
65.43
85.41
38.24
Trade Payables
31.09
13.95
24.39
215.8
3
132.8
3
208.2
2
114.8
6
75.3
8
58.3
1
76.1
5
Loans & Advances
5.91
6.98
4.79
-8.99
-9.75
0.00
0.00
0.10
Investments
Net Stock on Hire
Leased Assets Net of Sale
Trade Bill(s) Purchased
Change in Borrowing
Change in Deposits
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Others
123.1
0
123.1
0
-6.28
86.46
0.00
0.00
Total (OP before Working Capital Changes)
267.0
6
243.5
9
283.3
5
37.87
46.39
44.94
Cash Generated from/(used in) Operations
353.6
5
292.5
0
8.39
0.00
0.00
0.00
0.00
0.00
0.00
274.4
6
152.2
2
164.2
4
252.6
9
193.1
7
78.23
Interest Paid(Net)
-2.50
0.00
0.00
0.00
0.00
-7.54
-9.52
Direct Taxes Paid
31.68
32.10
83.36
73.16
63.14
51.85
-8.59
Adjustment For
Others
Total Adjustments (PBT & Extraordinary Items)
Op. Profit before Working Capital Changes
0.00
25.7
4
98.4
1
1.42
0.33
0.00
7.85
5.92
50.5
7
Adjustment For
163.6
8
142.5
7
13.8
2
0.00
0.00
0.00
0.00
0.00
0.00
77.9
0
10.2
6
82.0
5
1.21
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7.32
7.96
84.2
7
3.21
7.03
58.5
3
1.82
9.54
57.4
4
40.9
7
5.69
12.2
0.40
17.2
5
4.93
0.00
0.00
0.00
0.00
0.00
0.00
4
0.00
0.00
17.9
3
23.0
4
0.00
0.00
10.2
4
74.0
3
0.00
0.00
11.3
6
47.1
7
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
112.8
4
30.52
48.3
7
33.8
8
1.68
0.39
2.59
0.55
6.98
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
20.5
1
12.0
4
0.00
0.00
0.00
0.00
0.00
0.00
-0.12
0.00
0.70
1.25
0.45
9.24
0.19
35.70
0.00
0.00
1.09
0.00
0.00
1.14
3.26
97.65
0.00
0.00
0.00
0.00
0.00
0.00
-0.44
0.00
3.29
3.24
0.00
0.75
3.38
0.00
0.92
0.66
0.00
1.02
3.31
0.00
0.51
3.12
0.00
3.63
3.85
0.00
2.42
4.07
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-2.82
0.00
0.00
0.00
0.00
0.00
0.00
-3.35
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.50
0.00
0.00
0.00
0.00
0.00
0.00
1.64
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
30.36
0.00
13.25
0.00
0.00
13.18
Proceed from Bank Borrowings
2.43
0.00
0.00
0.00
0.00
0.00
Proceed from Short Tem Borrowings
6.55
0.00
0.00
0.00
0.00
0.00
6.55
0.00
0.00
Proceed from Deposits

Share Application Money
Cash/Capital Investment Subsidy
Loans from a Corporate Body
Payments:
Share Application Money Refund
On Redemption of Debenture
0.00
1.36
0.00
0.00
0.00
0.00
0.00
0.00
0.00
352.3
9
0.00
0.00
0.00
0.00
0.00
23.9
3
0.00
0.00
32.41
0.00
38.5
9
2.43
0.00
0.00
0.00
0.00
0.00
0.00
0.30
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1.36
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-3.41
0.00
0.00
0.00
-9.26
0.00
0.00
3.41
0.00
0.00
Of the Long Tem Borrowings
0.00
0.00
52.51
0.00
0.00
Of the short term Borrowings
93.99
75.16
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
62.70
62.70
71.95
62.96
62.95
-8.04
47.34
0.00
10.27
0.00
10.21
0.00
11.95
0.00
10.70
0.00
10.70
0.00
0.00
0.00
20.4
2
0.00
0.00
0.00
0.00
15.0
0
0.00
18.2
4
0.00
0.06
35.0
0
0.00
18.2
4
0.00
0.06
Advance Tax Paid

Others
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total-others
34.18
32.10
83.36
73.16
63.14
59.39
18.11
Cash Flow before Extraordinary Items
319.4
7
260.4
0
74.97
91.08
189.5
5
133.7
8
60.12
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.85
0.00
0.00
0.00
0.00
0.00
0.00
0.00
63.39
52.96
53.87
24.26
86.75
Sale of Fixed Assets
1.74
0.67
3.65
0.33
capital WIP
Capital Subsidy Recd
Financial/Capital Investment :
0.00
0.00
0.00
0.00
0.00
0.00
210.0
0
210.0
0
0.02
3.11
3.35
19.52
0.00
0.00
0.00
0.00
0.00
0.00
0.03
210.0
0
210.0
0
0.00
0.30
3.35
19.52
0.00
0.00
0.00
0.00
0.00
0.00
-0.28
4.16
0.00
Extraordinary Items
Excess Depreciation W/b
Premium on Lease of land
Payment Towards VRS
Prior Year 's Taxation
Gain on Forex Exch. Tran
Others
Cash Flow from Investing Activities
Investment in Assets :
Purchased of Fixed Assets
Purchase of Investments
Sale of Investments
Investment Income
Interest Received
Dividend Received
Invest.In Subsidiaires
Loans to Subsidiaires
Investment in Group Cos
Issue of Sh. on Acqu. of Cos
Canc. of Invest. in Cos Acq.
Acquisition of Companies
Inter Corporate Deposits
Others
Cash Flow From Financing Activities
Proceeds:
Proceeds from Issue of shares (incl share
premium)
Proceed from Issue of Debentures
Proceed from 0ther Long Term Borrowings
Of financial Liabilities
Dividend Paid
Shelter Assistance Reserve
Others
0.00
3.83
1.29
0.00
Net Cash Used in Financing Activities
195.5
9
187.6
4
244.4
9
68.86
99.79
60.55
34.16
21.3
9
10.0
5
Net Inc/(Dec) in Cash and Cash Equivalent
49.22
4.32
26.06
11.24
6.51
-1.94
2.24
0.24
44.9
5
Cash and Cash Equivalents at End of the year
117.5
8
50.81
46.49
20.43
9.19
2.67
4.61
3.34
BALANCE SHEET OF SBI;
54.6
8
10.2
4
Year
No. of companies
SOURCES OF FUNDS :
Share Capital
Reserves Total
Equity Share Warrants
Equity Application Money
Latest
5
2012
2
2011
2
2010
2
2009
3
2008 2007 2006 2005 2004 2003

2
1
2
3
3
3
59.89
29.29
29.29
29.29
32.16
20.86
581.27 443.81 543.43 461.65 384.76 311.64

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Shareholders Funds
641.16 473.10 572.72 490.94 416.92 332.50
Secured Loans
179.16 115.23 204.59
60.07
87.68
97.66
Unsecured Loans
264.33 258.34 213.79
5.92
3.32
13.63
Total Debt / Loan Funds
443.49 373.57 418.38
65.99
Other Liabilities
2.94
2.94
3.05
0.00
0.00
0.00
1,087.
849.61 994.15 556.93 507.92 443.79
59
Total Liabilities
APPLICATION OF FUNDS :
Loans
Advances
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
18.9
7
165.
22
0.00
0.00
184.
19
56.3
4
50.3
7
106.
71
0.00
290.
90
42.3
9
227.
90
0.00
0.00
270.
29
56.4
8
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
230.
81
116.
73
0.00
114.
08
0.00
42.05
31.53
25.34
2.60
32.71
26.30
2.41
Investments
121.39 121.36 101.84
Current Assets, Loans & Advances
4.20
4.40
4.57
5.30
0.00
0.00
233.
61
106.
95
0.00
126.
66
0.00
12.7
8
5.18
208.
59
350.
68
187.
52
246.
07
Gross Block
0.00
0.00
91.00 111.29
17.9
9
194.
98
0.00
0.00
212.
97
39.0
5
50.0
0
89.0
5
0.00
302.
02
571.75 414.88 374.36 352.18 403.26 338.59
Less: Accumulated Depreciation 279.84 209.07 181.28 154.52 164.83 148.27

Less:Impairment of Assets
Net Block
Lease Adjustments
Capital Work in Progress
0.00
0.00
0.00
0.00
0.01
0.00
291.91 205.81 193.08 197.66 238.42 190.32
52.7
1
162.
50
0.00
0.00
215.
21
66.3
7
0.00
336.
66
42.3
9
191.
76
0.00
0.00
234.
15
20.6
2
20.5
4
41.1
6
0.00
275.
31
0.00
0.00
274.
79
141.
06
0.00
133.
73
0.00
0.00
0.00
242.
75
132.
62
0.00
110.
13
0.00
0.00
0.00
224.
27
122.
30
0.00
101.
97
0.00
9.22
7.66
3.65
5.19
5.49
4.24
173.
24
246.
13
68.6
7
153.
04
195.
30
24.2
0
149.
72
179.
14
33.4
0
9.89
8.73
53.3
2
62.0
5
0.00
277.
26
Inventories
507.90 437.15 494.51 279.48 253.20 341.75
Sundry Debtors
763.60 693.48 772.32 628.21 628.77 540.27
Cash and Bank Balance
124.59
50.83
46.49
20.43
16.81
6.97
4.61
3.34
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
169.
06
732.
94
93.6
0
530.
53
114.
23
602.
27
98.2
8
470.
82
108.
52
470.
78
449.
61
98.8
4
548.
45
184.
49
347.
80
28.3
7
376.
17
154.
36
356.
97
52.8
2
409.
79
192.
48
269.
58
45.3
0
314.
88
155.
94
256.
95
44.0
3
300.
98
169.
80
Balance at Bank and Call

Money
Loans and Advances
534.90 436.59 579.53 492.73 265.17 263.01
Total Current Assets
1,930.
99
1,618.
05
1,892.
85
1,293.
18
1,151.
07
1,160.
953.82 824.26 681.19
71
1,420.
85
1,163.
95
1,152.
00
Less: Current Liab. & Prov.

Current Liabilities
Provisions
82.02
50.31 104.64 116.03 108.95 242.35
Total Current Liabilities
1,375.
20
1,201.
38
Net Current Assets
555.79 416.67 627.50 351.00 230.74 228.46
1,265.
35
1,069.
933.21 923.54
85
Miscellaneous Expenses not

writtten off
Deferred Tax Assets
0.64
0.00
0.00
0.00
0.60
1.42
2.25
3.26
4.42
4.28
6.99
28.27
18.59
9.91
10.49
14.69
0.15
0.00
Deferred Tax Liability
26.70
18.59
9.21
9.02
13.64
7.43
6.51
3.08
11.4
6
4.01
12.2
0
2.00
11.3
9
1.57
0.00
0.70
1.47
1.05
-7.28
-6.51
-8.38
-8.19
-9.39
74.24 74.24 45.69

0.00
0.00
0.00
1,087.
849.61 994.15 556.93 507.92 443.79
59
0.00
302.
02
92.4
8
0.00
11.3
4
11.3
4
0.00
290.
90
57.6
9
0.00
336.
66
79.1
2
0.00
275.
31
64.8
1
0.00
277.
26
136.
98
Net Deferred Tax

Other Assets
Total Assets
Contingent Liabilities
265.34 176.74 162.39 113.92 167.00 146.77
CASH FLOW OF ICICI;
Year
Cash Flow Summary
Cash and Cash Equivalents at Beginning of the
year
Cash Flow From Operating Activities
Net Profit before Tax & Extraordinary Items
Adjustment For
Depreciation
Interest (Net)
Dividend Received
P/L on Sales of Assets
P/L on Sales of Invest
Prov. & W/O (Net)
P/L in Forex
Fin. Lease & Rental Chrgs
Others
Total Adjustments (PBT & Extraordinary Items)
Op. Profit before Working Capital Changes
Latest
23
2012
14
2011
16
2010
17
2009
16
2008
14
39,723.0
0
34,976.8
3
40,096.9
7
31,748.8
2
39,732.4
4
38,054.6
8
10,308.7
4
9,504.14
7,686.19
6,280.06
6,024.16
6,004.88
1,222.31
194.46
-27.89
7.24
-32.09
2,906.79
-2.45
2.26
1,768.42
6,039.05
16,347.7
9
788.14
192.32
-27.89
4.89
-32.09
1,200.93
-1.47
2.26
1,767.99
3,895.08
13,399.2
2
835.51
123.58
-45.34
-37.69
-17.42
2,117.22
-9.24
0.89
2,086.19
5,053.70
12,739.8
9
897.89
151.01
-58.42
-128.35
-15.06
5,030.97
-10.82
-2.29
-196.66
5,668.27
11,948.3
3
1,004.88
1,153.21
-64.30
-5.19
-149.08
5,088.11
702.20
-2.25
-262.14
7,465.44
13,489.6
0
894.95
469.46
-15.83
-64.42
-13.93
3,916.31
16.07
-4.85
-777.87
4,419.89
10,424.7
7
Adjustment For
Trade & 0th receivables
Inventories
152.89
2.30
2,572.27
38,007.3
2
13,062.9
1
0.00
0.00
0.00
24,879.6
7
139.47
-0.05
2,524.71
37,416.2
3
12,763.6
0
0.00
0.00
0.00
24,921.8
2
Change in Deposits
30,515.7
8
29,897.8
5
10,046.0
5
Others
2,808.56
2,196.20
291.62
2,445.63
Total (OP before Working Capital Changes)
-900.42
58.35
12,787.7
2
7,381.25
Cash Generated from/(used in) Operations
15,447.3
7
13,457.5
7
-47.83
4,567.08
0.00
2,785.08
0.00
-398.15
3,183.23
0.00
2,501.84
0.00
-398.15
2,899.99
0.00
2,192.36
0.00
-313.87
2,506.23
0.00
2,018.13
0.00
-141.88
2,160.01
12,264.1
4
10,557.5
8
2,554.06
2,407.07
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-557.78
-799.55
-716.92
14.26
-2.83
0.00
86.37
-2.96
0.00
Trade Payables
Loans & Advances
Investments
Net Stock on Hire
Leased Assets Net of Sale
Trade Bill(s) Purchased
Change in Borrowing
Interest Paid(Net)
Direct Taxes Paid
Advance Tax Paid
Others
Total-others
Cash Flow before Extraordinary Items
Extraordinary Items
Excess Depreciation W/b
Premium on Lease of land
Payment Towards VRS
Prior Year 's Taxation
Gain on Forex Exch. Tran
Others
Cash Flow from Investing Activities
Investment in Assets :
Purchased of Fixed Assets
Sale of Fixed Assets
capital WIP
Capital Subsidy Recd
Financial/Capital Investment :
1,748.75
41.13
-2.83
0.00
99.15
-1.27
-448.02
1.46
374.75
-2.95
-739.50
5.06
20.80
655.56
422.66
693.36
27,912.8
5
32,595.9
8
-895.49
34,589.6
7
2,656.02
2,501.59
0.00
0.00
0.00
0.00
0.00
0.00
3,278.55
4,312.23
5,623.22
0.00
0.00
0.00
10,292.0
0
24,384.4
2
0.00
0.00
0.00
1,722.09
16,525.3
5
328.24
0.00
0.00
1,436.48
86.98
-0.04
0.00
1,195.83
130.16
0.00
0.00
4,604.32
5,862.98
17,305.7
8
14,060.9
7
363.70
140.57
64.32
4,309.70
0.00
0.00
0.00
21,496.1
4
7,016.42
Sale of Investments
7,725.51
7,709.12
4,643.61
0.44
355.75
27.93
0.44
355.96
27.93
0.19
289.05
45.36
10,525.5
3
393.39
238.32
58.43
-276.00
-56.07
-438.48
-397.74
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Loans to Subsidiaires
Investment in Group Cos
Issue of Sh. on Acqu. of Cos
1,076.13
21,518.9
5
11,094.1
8
0.01
2,241.87
0.00
-228.63
2,470.49
13,564.6
7
0.00
0.00
0.00
0.00
-89.00
0.00
22,261.9
8
Invest.In Subsidiaires
12,377.2
9
0.00
0.00
0.00
0.00
0.00
0.00
Purchase of Investments
Investment Income
Interest Received
Dividend Received
25,835.8
1
7,827.44
27,829.7
1
14,340.1
1
0.02
1,959.38
0.00
-261.01
2,220.37
16,560.4
8
3,108.61
1,347.08
168.45
15.66
6,453.38
-11.94
0.00
0.00
Canc. of Invest. in Cos Acq.

Acquisition of Companies
Inter Corporate Deposits
Others
Cash Flow From Financing Activities
Proceeds:
Proceeds from Issue of shares (incl share
premium)
Proceed from Issue of Debentures
Proceed from 0ther Long Term Borrowings
Proceed from Bank Borrowings
Proceed from Short Tem Borrowings
Proceed from Deposits
Share Application Money
Cash/Capital Investment Subsidy
Loans from a Corporate Body
Payments:
Share Application Money Refund
On Redemption of Debenture
Of the Long Tem Borrowings
Of the short term Borrowings
Of financial Liabilities
Dividend Paid
Shelter Assistance Reserve
Others
0.00
0.00
0.00
3,216.61
0.00
0.00
0.00
2,399.50
85.43
0.00
-0.04
1,549.43
0.00
0.00
0.00
-792.32
0.00
-6.66
0.00
-506.48
254.96
62.88
718.57
173.64
906.06
5,691.13
5,691.13
4,543.01
2,694.68
2,949.25
2,426.48
331.46
605.94
5,668.25
4,179.97
0.00
36.50
0.00
0.16
0.00
0.00
0.00
0.00
-32.80
0.32
0.00
0.00
0.00
0.00
0.00
102.38
0.00
0.00
0.00
23.04
37.20
0.00
0.00
0.00
1.00
1,111.69
11.80
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-208.90
0.00
-154.50
0.00
-71.05
1,964.10
4,304.99
-589.59
-79.74
-68.96
-299.34
0.00
2,233.08
0.00
-1.78
0.00
2,010.12
0.00
-23.68
0.00
1,878.58
0.00
-168.71
0.00
1,798.07
0.00
0.00
0.00
1,448.48
0.00
0.00
-33.68
221.31
-184.16
-31.57
-987.79
925.31
6,042.26
35,359.4
6
12,491.8
5
0.01
36.50
0.00
0.16
0.00
0.00
0.00
0.00
11,035.4
0
-299.34
0.00
2,664.24
0.00
1,958.97
Net Cash Used in Financing Activities
2,358.80
3,564.68
Net Inc/(Dec) in Cash and Cash Equivalent
1,700.75
2,516.65
Cash and Cash Equivalents at End of the year
41,423.7
5
37,493.4
8
5,099.86
34,997.1
1
8,364.99
40,113.8
1
7,924.02
31,808.4
2
0.00
-6.66
1.75
180.12
20,449.5
2
11,794.1
2
1,684.03
39,738.7
1
BALANCE SHEET OF ICICI;

[Rs. In Crs.]
Year
No. of Companies
SOURCES OF FUNDS :
Share Capital
Reserves Total
Total Shareholders Funds
Secured Loans
Unsecured Loans
Total Debt / Loan Funds
Other Liabilities
Total Liabilities
APPLICATION OF FUNDS :
Loans
Advances
Gross Block
Less: Accumulated Depreciation
Less:Impairment of Assets
Net Block
Lease Adjustments
Capital Work in Progress
Investments
Current Assets, Loans & Advances
Inventories
Sundry Debtors
Cash and Bank Balance
Balance at Bank and Call Money
Loans and Advances
Total Current Assets
Less: Current Liab. & Prov.
Current Liabilities
Provisions
Total Current Liabilities
Net Current Assets
Miscellaneous Expenses not writtten
off
Deferred Tax Assets
Deferred Tax Liability
Net Deferred Tax
Other Assets
Total Assets
Contingent Liabilities
Latest
27
2012
2011
2010
2009
2008
14
16
17
17
15
7,984.47
70,175.20
0.00
347.33
78,507.00
146,814.0
3
332,842.3
7
479,656.4
0
472.25
558,635.6
5
3,868.27
62,222.72
0.00
347.33
66,438.32
146,614.9
0
265,330.0
0
411,944.9
0
472.25
478,855.4
7
3,839.92
57,340.50
0.00
340.52
61,520.94
114,768.9
5
236,008.5
0
350,777.4
5
448.18
412,746.5
7
3,670.12
53,920.50
0.00
101.93
57,692.55
3,598.44
51,243.10
0.00
14.24
54,855.78
3,574.00
47,206.68
0.00
14.22
50,794.90
96,628.86
95,342.55
66,288.16
217,069.8
4
313,698.7
0
0.00
371,391.2
5
233,839.6
4
329,182.1
9
0.00
384,037.9
7
55,348.57
255,393.0
9
19,275.05
7,901.23
-0.76
11,374.58
0.00
235.96
185,120.2
1
6,093.80
253,727.6
6
12,031.91
5,918.11
-0.76
6,114.56
0.00
12.42
169,456.7
8
7,486.64
216,365.9
0
11,039.41
5,345.86
0.00
5,693.55
0.00
27.97
143,063.3
1
11,146.88
181,205.6
0
8,724.55
4,724.38
0.00
4,000.17
0.00
22.93
129,195.6
0
11,114.48
218,310.8
5
9,066.36
4,357.00
0.00
4,709.36
0.00
93.72
111,392.6
5
8,622.83
1,640.37
42,233.51
16,287.44
30,851.22
83,347.93
7,672.49
1,022.30
37,896.70
15,768.02
22,540.22
69,131.71
5,200.04
1,164.93
35,612.66
13,183.11
19,181.44
61,159.07
2,338.08
1,640.41
39,758.62
11,359.40
22,742.94
66,480.05
2,467.07
1,283.57
30,873.94
12,430.23
26,103.97
60,728.55
2,028.89
698.78
39,104.78
8,663.60
21,927.24
63,759.69
30,471.03
5,439.08
35,910.11
47,437.82
25,017.42
3,999.16
29,016.58
40,115.13
21,328.00
3,180.77
24,508.77
36,650.30
20,017.52
2,945.27
22,962.79
43,517.26
21,599.95
2,665.26
24,265.21
36,463.34
44,660.18
2,933.37
47,593.55
16,166.14
389.79
0.00
0.00
1.03
0.18
0.26
3,232.39
431.66
2,800.73
534.90
558,635.6
5
933,192.1
9
3,231.55
431.33
2,800.22
534.90
478,855.4
7
925,488.1
7
3,401.01
448.56
2,952.45
506.45
412,746.5
7
932,984.4
8
2,780.91
479.13
2,301.78
0.00
371,391.2
5
735,529.1
9
2,550.03
596.64
1,953.39
0.00
384,037.9
7
841,653.2
0
2,090.08
648.33
1,441.75
0.00
255,843.82
322,131.98
0.00
372,926.88
6,747.98
225,616.08
8,230.77
3,497.05
0.00
4,733.72
0.00
94.62
118,126.33
372,926.88
1,215,996.6
5
ICICI PROFIT &LOSS A/C

Industry :Banks - Private Sector
(Rs in Crs)
Year
INCOME :
Interest Earned
Other Income
Total
II. Expenditure
Interest expended
Payments to/Provisions for Employees
Operating Expenses & Administrative Expenses
Depreciation
Other Expenses, Provisions & Contingencies
Provision for Tax
Fringe Benefit tax
Deferred Tax
Total
III. Profit & Loss
Reported Net Profit
Extraordinary Items
Adjusted Net Profit
Prior Year Adjustments
Profit brought forward
IV. Appropriations
Transfer to Statutory Reserve
Transfer to Other Reserves
Trans. to Government /Proposed Dividend
Balance carried forward to Balance Sheet
Equity Dividend %
Earnings Per Share-Unit Curr
Earnings Per Share(Adj)-Unit Curr
Book Value-Unit Curr
Mar 12(12)
Mar 11(12)
Mar 10(12)
33,542.65
25,974.05
25,70
7,502.76
41,045.41
6,647.90
32,621.95
7,47
33,18
22,808.50
3,515.28
1,925.30
524.53
3,474.47
2,187.42
0
144.65
34,580.15
16,957.15
2,816.93
1,815.42
562.44
3,712.30
2,138.11
0
-531.78
27,470.57
17,59
1,92
1,77
6
5,93
1,59
6,465.26
-1.24
6,466.50
0
5,018.18
5,151.38
28.14
5,123.24
0
3,464.38
4,02
9
3,93
1,617.00
689.39
2,122.82
7,054.23
165
54.17
1,288.00
492.55
1,817.03
5,018.18
140
42.97
1,00
86
1,50
3,46
523.98
478.29
46
-28
29,15
2,80
Particular
Equity Paid Up
Networth
Capital Employed
Gross Block
Sales
PBIDT
PBDT
PBIT
PBT
PAT
CP
2012/03
1152.77
60405.24
474074.6
9424.39
33542.65
32130.36
9321.86
31605.83
8797.33
6465.26
6989.79
2011/03
1151.82
55090.93
406678.08
9107.47
25974.05
24277.3
7320.15
23714.86
6757.71
5151.38
5713.82
2010/03
1114.89
51618.37
363866.83
7114.12
25706.93
23554.39
5961.82
22934.89
5342.32
4024.98
4644.48
2009/03
1113.29
49533.02
379849.6
7443.7
31092.55
28518.51
5792.57
27839.91
5113.97
3758.13
4436.73
2008/03
1112.68
46470.21
400417.12
7036
30788.34
29115.69
5631.45
28537.34
5053.1
4157.73
4736.08
ICICI BANK FINANCE OVERVIEW;
CASH FLOW OF ICICI
(Rs in Crs)
Year
12-Mar
11-Mar
10-Mar
9-Mar
8-Mar
Sources of funds
Cash Profit
6911.75 5613.16 4284.33 4473.11 4709.69
Increase in Equity
0.95
36.93
1.6
0.61
213.34
Other Increases in other Networth
750.14
0
0
178.65 19009.84
Increase in Deposits
29897.85 23585.51
0
0 13920.86
Increase in Borrowing
30610.63 15290.71 1108.12 27507.02 14392.4
Increase in other Liabilities and Provisions 1573.73
462.47
0
0 4634.47
Decrease in cash and bank balances
445.68 6607.33
0 11841.2
0
Decrease in money at call
0
0 1070.83
0 9750.84
Decrease In advances
0
0 37105.25 7305.23
0
Decrease in investments
0
0
0 8396.03
0
Decrease in Fixed assets
0
0
329.58
0
0
Other assets
0 2890.16 5030.22
0
0
Total Inflow
70190.73 54486.27 48929.93 59701.85 66631.44
Application of funds
Cash Loss
Decrease in networth
Decrease in deposits
Decrease in borrowings
0
0
0
0
0
0
0
103.17
603.37
0
0 16331.23 26083.22
0
0
0
0
0
0
0
Decrease in other liabilities and provisions

0
0 2845.01 24704.13
0
Increase in cash and bank balances
0
0 9977.97
0 10670.65
Increase in money at call
2584.91 1823.71
0 3766.63
0
Increase in advances
37361.76 35160.3
0
0 29750.48
Increase in investments
24874.08 13793.16 17834.49
0 20196.5
Increase in fixed assets
316.92 1993.35
0
407.7
737.44
Increase in other assets
3151.02
0
0 3515.59 4052.41
Dividend
1902.04 1612.58 1337.86 1224.58 1223.96
Total Outflow
70190.73 54486.27 48929.93 59701.85 66631.44
BALANCE SHEET OF SBI;

(Rs in Crs)
Year
Mar 12
Mar 11
Mar 10
Mar 09
Mar 08
LIABILITIES
Capital
671.04
635
634.88
634.88
631.47
Reserves Total
83,280.16
64,351.04
65,314.32 57,312.82 48,401.19
0
0
0
0
0
0
0
0
0
0
Deposits
1,043,647.36 933,932.81 804,116.23 742,073.13 537,403.94
Borrowings
127,005.57 119,568.96 103,011.60 84,057.93 51,727.41
Other Liabilities & Provisions
82,805.30 106,206.00
80,879.58 80,964.20 83,961.07
Others
0
0
0
0
0
TOTAL LIABILITIES
1,337,409.43 1,224,693.81 1,053,956.61 965,042.96 722,125.08
ASSETS:
Cash & Balances with RBI
54,075.94
94,395.50
61,290.86 55,546.17 51,534.61
Balances with Banks & money at Call
43,087.22
28,478.64
24,897.85 48,857.63 15,931.72
Investments
312,197.61 295,600.57 295,785.20 275,953.96 189,501.27
Advances
867,578.89 756,719.45 631,914.15 542,503.20 416,768.20
Fixed Assets
5,466.55
4,764.19
4,412.91 3,837.85 3,373.48
Other Assets
55,003.22
44,735.46
35,655.64 38,344.15 45,015.80
Miscellaneous Expenditure not written off
0
0
0
0
0
Others
0
0
0
0
0
TOTAL ASSETS
1,337,409.43 1,224,693.81 1,053,956.61 965,042.96 722,125.08
Contingent Liability
832,605.33 730,484.61 548,446.88 723,699.75 810,796.48
Bills for collection
66,959.85
59,904.98
47,922.33 43,870.57 18,946.80
Year
Interest Earned
Other Income
Total Income
Operating Expenses
Operating Profit Before Prov. & Cont.
2012/03
106521.45
14351.45
120872.9
89299.36
31573.54
2011/03
81394.36
15824.6
97218.96
71883.39
25335.57
2010/03
70993.92
14968.15
85962.07
67641.16
18320.91
2009/03
63788.43
12690.79
76479.22
58563.99
17915.23
2008/03
48950.31
8694.93
57645.24
44537.69
13107.55
3
2
1
Provisions & Contingencies

Depreciation
Provision for Taxes
Deferred Tax
Net Profit
Extra-ordinary Items
Adjusted Profit After Extra-ordinary item
LOAN SCHEMES OF SBI;
13090.23 10381.34
0
0
6341.37 5712.89
455.93
976.82
11707.29 8264.52
0
0
11707.29 8264.52
4394.83
0
4760.03
0
9166.05
0
9166.05
3734.57
0
5059.42
0
9121.24
0
9121.24
2668.65
0
3709.78
0
6729.12
0
6729.12
Types
Amount/time
Rate of
interest
Linkage with Base Rate over the

tenor of the loan
Personal loan
Upto 3 years
More than 3 years and
below 6 years
14.20% p.a
4.50% above Base Rate,

4.50% above Base Rate
Home loan
Up to.30 lacs
Above 30 lacs
Up to.3 years
Above 3 years
9.95%p.a.
10.10%p.a.
15.70%
For loans upto Rs.4

lacs
Above Rs.4 lacs and
upto Rs.7.50 lacs
Above Rs.7.50 lacs
13.20%
Car loan
Education loan
14.20% p.a
0.25%above base rate

0.40 above base rate
16.20%
13.45%
11.45%
3.50% above Base

Rate
3.75% above Base
Rate
1.75% above Base
Rate
LOAN SCHEMES OF ICICI:

Types
Amount/time
Personal loan
Home loan
Upto Rs. 1500000
Car loan
Education loan
Rate of
interest
On the basis
Up to.7500000
11.512.5%p.a.
Equitable mortgage of the property
Up to.1500000
11-13%
person having a income

>1,00,000
For loans upto

Rs.7.50 lacs
10-12%
Post graduation courses Professional courses

Other courses approved by UGC/Government/AICTE

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CASH FLOW OF SBI;

2007 2006 2005 2004

Cash Flow Summary

Net Profit before Tax & Extraordinary Items

P/L on Sales of Invest

Prov. & W/O (Net)

Trade & 0th receivables

Loans & Advances

Total (OP before Working Capital Changes)

Cash Generated from/(used in) Operations

Direct Taxes Paid

Proceed from Bank Borrowings

Proceed from Short Tem Borrowings

Proceed from Deposits

Of the Long Tem Borrowings

Of the short term Borrowings

Advance Tax Paid

Cash Flow before Extraordinary Items

Sale of Fixed Assets

Net Cash Used in Financing Activities

Net Inc/(Dec) in Cash and Cash Equivalent

Cash and Cash Equivalents at End of the year

BALANCE SHEET OF SBI;

2008 2007 2006 2005 2004 2003

581.27 443.81 543.43 461.65 384.76 311.64

Total Shareholders Funds

641.16 473.10 572.72 490.94 416.92 332.50

179.16 115.23 204.59

264.33 258.34 213.79

Total Debt / Loan Funds

443.49 373.57 418.38

571.75 414.88 374.36 352.18 403.26 338.59

Less: Accumulated Depreciation 279.84 209.07 181.28 154.52 164.83 148.27

291.91 205.81 193.08 197.66 238.42 190.32

507.90 437.15 494.51 279.48 253.20 341.75

763.60 693.48 772.32 628.21 628.77 540.27

Cash and Bank Balance

Balance at Bank and Call

534.90 436.59 579.53 492.73 265.17 263.01

Total Current Assets

Less: Current Liab. & Prov.

50.31 104.64 116.03 108.95 242.35

Total Current Liabilities

Net Current Assets

555.79 416.67 627.50 351.00 230.74 228.46

Miscellaneous Expenses not

Deferred Tax Liability

74.24 74.24 45.69

Net Deferred Tax

265.34 176.74 162.39 113.92 167.00 146.77

CASH FLOW OF ICICI;

Total (OP before Working Capital Changes)

Cash Generated from/(used in) Operations

Canc. of Invest. in Cos Acq.

Net Cash Used in Financing Activities

Net Inc/(Dec) in Cash and Cash Equivalent

Cash and Cash Equivalents at End of the year

BALANCE SHEET OF ICICI;

ICICI PROFIT &LOSS A/C

ICICI BANK FINANCE OVERVIEW;

CASH FLOW OF ICICI

Decrease in other liabilities and provisions

BALANCE SHEET OF SBI;