Balance Sheet

(Rs in Crs)
   Year Mar 09  Mar 08 Mar 07  Mar 06 
  SOURCES OF FUNDS :
 Capital 724.76 724.35 723.79 721.78
  Reserves Total 8,095.50 7,575.11 5,647.39 5,204.50
 Deposits 72,997.98 43,354.04 26,000.92 15,102.64
  Borrowings 38,612.56 42,404.38 47,530.20 50,005.54
 Other Liabilities & Provisions 10,436.67 9,908.01 8,718.83 10,395.83
130,867.4 103,965.8
   TOTAL LIABILITIES 7 9 88,621.13 81,430.29
  APPLICATION OF FUNDS :
 Cash & Balances with RBI 6,694.83 5,406.47 2,680.09 2,375.89
  Balances with Banks & money at Call 2,063.94 1,504.62 2,682.69 3,277.27
 Investments 32,802.93 25,675.31 25,350.53 25,054.69
  Advances 82,212.69 62,470.82 52,739.07 45,413.57
 Fixed Assets 2,765.98 2,778.37 810.9 889.42
  Other Assets 4,327.10 6,130.30 4,357.85 4,419.45
  Miscellaneous Expenditure not written off 0 0 0 0
130,867.4 103,965.8
   TOTAL ASSETS 7 9 88,621.13 81,430.29
101,180.2 108,509.8
 Contingent Liability 3 8 76,991.84 60,046.07
   Bills for collection 2,831.77 2,405.15 1,519.44 1,207.57
   Year Mar 09 Mar 08 Mar 07  Mar 06
  INCOME :
 Interest Earned 8,020.84 6,345.42 5,380.72 2,655.72
  Other Income 1,779.46 1,058.14 1,280.45 673.23
  Total 9,800.30 7,403.56 6,661.17 3,328.95
    II. Expenditure
  Interest expended 7,364.41 5,687.49 5,000.82 2,467.87
  Payments to/Provisions for Employees 384.61 282.9 318.51 157.55
  Operating Expenses & Administrative Expenses 264.29 199.78 171.99 83.76
 Depreciation 83.5 121.99 143.55 84.02
  Other Expenses, Provisions & Contingencies 881.03 429.05 437.95 247.27
 Provision for Tax 87.5 26 60 -18.78
  Deferred Tax 0 22.79 -46.94 0
  Total 9,065.34 6,770.00 6,085.88 3,021.69
   III. Profit & Loss
   Reported Net Profit 729.46 630.31 560.89 307.26
 Extraordinary Items 0.72 165.84 5.7 12.77
   Adjusted Net Profit 728.74 464.47 555.19 294.49
 Prior Year Adjustments 0 0 0 152.53
   Profit brought forward 1,314.90 1,030.71 787.45 726.38
  IV. Appropriations
 Transfer to Statutory Reserve 183 158 140.22 77
  Transfer to Other Reserves 1,673.10 61 53.5 260
 Trans. to Government /Proposed Dividend 167.22 127.12 123.91 61.72
   Balance carried forward to Balance Sheet 21.04 1,314.90 1,030.71 787.45
  Equity Dividend % 20 15 15 7.5
   Earnings Per Share-Unit Curr 9.76 8.45 7.54 8.3
  Book Value-Unit Curr 93.8 86.08 88.03 82.11

CAMELS is an acronym, where each letter refers to a specific category of performance

• C - Capital Adequacy
- Capital adequacy ratio

- Debt-Equity Ratio

- Advances to Assets

- G-Secs to Total Investments

• A - Asset Quality
- Gross NPAs to Net Advances

- Net NPAs to Net Advances

- Total Investments to Total Assets

- Percentage change in Net NPAs

- Net NPAs to Total Assets

• M- Management
- Profit per Branch

- Total Advances to Total Deposits

- Business per Employee

- Profit per Employee

•  E- Earning Quality

- Operating Profits to Average Working Funds

- Percentage Growth in Net Profits

- Spread

- Net Profit to Average Assets

- Interest Income to Total Income

- Non-Interest Income to Total Income

•  L- Liquidity
- Liquid Assets to Total Assets

- G-Secs to Total Assets

 - Liquid Assets to Demand Deposits

- Liquid Assets to Total Deposits

• S – Sensitivity to market risk

- Measured by Beta

1. Capital Adequacy:
Capital Risk Adequacy Ratio:
CRAR = Capital
_________________________________

Total Risk Weighted Credit Exposure

Debt-Equity Ratio = Borrowings

________________________________
Share Capital + Reserves
Total Advance to Total Asset Ratio = Total Advance
__________________
Total Asset
2. Asset Quality
Gross NPA= Gross NPA
________________

Total Loan
Net NPA = Net NPA
__________________
Total Loan
3. Management Quality
Total Advance to Total Deposit = Total Advance
__________________
Total Deposit
Business per Employee = Total Income
 _________________
No. of Employees
Profit per Employee = Net Profit
________________
No. of Employees

4. Earnings Quality:

Dividend Payout Ratio= Dividend

_________________
Net Profit
Return on Asset = Net Profit
________________
Total Asset
Operating Profit to Avg. Working Fund= Operating Profit
___________________
Average working fund
Net Profit to average Asset= Net Profit
_________________
Average Asset
5. Liquidity
Liquidity Asset to Total Asset = Liquid asset
________________
Total asset
G-sec to Total Asset = Government Securities
____________________________
Total Asset