Rs. Crore Rs. Crore Rs. Crore Rs. Crore Rs. Crore Rs.

Crore P per Emply

Company Name Interest Inc Interest Exp Total Depst Dmnd Dep Assets Loans&Adv Rs. Crore

Allahabad Bank 8481.54 5718.72 106055.74 8315.54 121704.1 71604.87 0.06

H D F C Bank Ltd. 15737.87 7786.3 167404.44 37227.1 222556.9 125830.59 0.06
I C I C I Bank Ltd. 26398.25 17592.57 202016.61 30997.47 363866.8 181205.6 0.07
Oriental Bank Of Commerce 10257.12 7349.69 120257.59 10217.33 137431 83489.29 0.07
Standard Chartered Bank 5674.89 1783.78 48192.38 14205.62 89619.63 41627.15 0.35
State Bank Of India 70993.92 47322.48 804116.23 122579.43 1053414 631914.15 0.05

Rs. Crore (%) Rs. Crore (%) (%) Times Bus per emply
Company Name Investments CAR PAT PAT/TI RONW CR

Allahabad Bank 38428.61 13.62 1206.33 11.72 19.15 3.25 8.48

H D F C Bank Ltd. 54590.51 16.45 2948.7 14.76 16.28 1.84 5.65
I C I C I Bank Ltd. 120892.8 19.14 4024.98 11.84 7.4 3.44 6.97
Oriental Bank Of Commerce 35785.32 10.83 1134.68 9.87 14.5 4.02 13.27
Standard Chartered Bank 18477.43 12.41 2127.04 23.71 20.11 1.24 14.97
State Bank Of India 285790.08 12 9166.05 10.54 14.8 1.67 7.17
Times
D/E

0.92
0.6
1.81
0.67
0.84
1.56

nos nos
Emplys Brnchs

20959 2287
51888 1725
55000 1707
15358 1508
6000 55
200299 12638
 Data for the Period January-December,2010
Rs. Crore Rs. Crore Rs. Crore Rs. Crore
Company Name Interest In Int Expnse Deposits Loans
Axis Bank Ltd. 11638.01 6634 141300 104343
Deutsche Bank A G 1578.87 302 13929 12923
Punjab National Bank 21466.91 12944 249330 186601
Vijaya Bank 5200.64 3752 61932 41437
Yes Bank Ltd. 2369.71 1582 26799 22193
(%) Rs. Crore Times
CAR Rank CAR PAT D/E
Company Name 15.8 3 2515 1.07
Axis Bank Ltd. 16.45 2 446 1
Deutsche Bank A G 12.97 4 3905 1.19
Punjab National Bank 11.79 5 507 0.61
Vijaya Bank 20.6 1 478 1.54
Yes Bank Ltd.
Average 1.082

Ranks CAR NPA Branch ProductivitNet Interest

Axis Bank Ltd. 3 2 3 2
Deutsche Bank A G 2 4 1 1
Punjab National Bank 4 3 5 3
Vijaya Bank 5 5 4 5
Yes Bank Ltd. 1 1 2 4

Data for the Period January-December,2010

Rs. Crore Rs. Crore Rs. Crore Rs. Crore
Company Name Interest Inc Int Expnse Deposits Loans
Axis Bank Ltd. 11638.01 6633.53 141300.22 104343.11
Deutsche Bank A G 1578.87 302.36 13928.82 12922.79
Punjab National Bank 21466.91 12944.02 249329.81 186601.21
Vijaya Bank 5200.64 3751.56 61931.75 41437.19
Yes Bank Ltd. 2369.71 1581.75 26798.57 22193.13
(%) Rs. Crore Times
CAR Rank CAR PAT D/E
Company Name 15.8 3 2514.53 1.07
Axis Bank Ltd. 16.45 2 446.35 1
Deutsche Bank A G 12.97 4 3905.36 1.19
Punjab National Bank 11.79 5 507.3 0.61
Vijaya Bank 20.6 1 477.74 1.54
Yes Bank Ltd.
 Average 1.082

Ranks CAR NPA Branch ProductivNet Interes

Axis Bank Ltd. 3 2 3.0 2
Deutsche Bank A G 2 4 1.0 1
Punjab National Bank 4 3 5.0 3
Vijaya Bank 5 5 4.0 5
Yes Bank Ltd. 1 1 2.0 4

Apply CAMEL and find the best bank by rank method

CAR Capital/RWA
Debt-Equity Ratio
NPA Amont of NPA/Loans
Total L&A/Total Deposits Asset Liability ratio
Profit per employee Net Income/Number of employees
Business per employee (A+L)/Number of employees
Branch Profitability NI/Number of branches
Branch Productivity Business/Number of branches
Net Interest Income(NII) Interest Earned-Interest received
Net Interest Margin(NIM) NII/Loans
Investments/Deposits Liquidity ratio
Rs. Crore Rank
Liq Investments Inv/Dep Inv/Dep NII NIM NIM rank
55975 40% 2 5004.48 4.8% 2
9047 65% 1 1276.51 9.9% 1
77724 31% 5 8522.89 4.6% 3
21107 34% 4 1449.08 3.5% 5
10210 38% 3 787.96 3.6% 4
nos nos Br. Prod Br. Prod NPA
Distance from avg Employees Branches Rank %
-0.01 2 21640 1035 237 3 2
-0.08 1 3000 25 1074 1 2.5
0.11 3 56928 4951 88 5 2.4
-0.47 5 11565 1158 89 4 3
0.46 4 5500 150 327 2 1.6

High gap,high rank

Investments/Deposits Average Ra Final Rank

2 2.4 3
1 1.8 1
5 4 4
4 4.6 5
3 2.2 2

Rs. Crore Rank

Liq Investments Inv/Dep Inv/Dep NII NIM NIM rank
55974.83 40% 2 5004.48 4.8% 2
9047.14 65% 1 1276.51 9.9% 1
77724.48 31% 5 8522.89 4.6% 3
21107.45 34% 4 1449.08 3.5% 5
10209.94 38% 3 787.96 3.6% 4
nos nos Br. Prod Br. Prod NPA
Distance from avg Employees Branches Rank %
-0.012 2 21640 1035 237.3 3.0 2
-0.082 1 3000 25 1074.1 1.0 2.5
0.108 3 56928 4951 88.0 5.0 2.4
-0.472 5 11565 1158 89.3 4.0 3
0.458 4 5500 150 326.6 2.0 1.6
High gap,high rank

Investments/Deposits Average RaFinal Rank

2 2.4 3
1 1.8 1
5 4 4
4 4.6 5
3 2.2 2
NPA rank

2
4
3
5
1

NPA rank

2
4
3
5
1
CAR
Debt-Equity Ratio
NPA
Total L&A/Total Deposits
Profit per employee
Business per employee
Branch Profitability
Branch Productivity
Net Interest Income(NII)
Net Interest Margin(NIM)
Investments/Deposits
Capital/RWA
Amont of NPA/Loans
Asset Liability ratio
Net Income/Number of employees
(A+L)/Number of employees
NI/Number of branches
Business/Number of branches
Interest Earned-Interest received
NII/Loans
Liquidity ratio

CAMEL Analysis

Step 1: Calculate CAMEL ratios

Step 2: Find rank for each ratios
Step 3: Find the average rank
Step 4: Find the final rank
 Rs. Crore Rs. Crore

Non Interest
Company Name Interest Inc Interest Exp Income NII NIM

Allahabad Bank 8481.54 5718.72 345

H D F C Bank Ltd. 15737.87 7786.3 5675
I C I C I Bank Ltd. 26398.25 17592.57 1821
Oriental Bank Of Commerce 10257.12 7349.69 878
Standard Chartered Bank 5674.89 1783.78 518
State Bank Of India 70993.92 47322.48 5611

Rs. Crore Rs. Crore

Company Name NPA Rank NPA Liquid AssDmnd Dep
%
Allahabad Bank 3.2 38428.61 8315.54
H D F C Bank Ltd. 3.1 54590.51 37227.1
I C I C I Bank Ltd. 2.6 120892.8 30997.47
Oriental Bank Of Commerce 3.9 35785.32 10217.33
Standard Chartered Bank 1.1 18477.43 14205.62
State Bank Of India 2.1 285790.1 122579.4

Non Int
Company Name NIM Rank Inc/Ttl Inc CAR Rank D/E Rank
P/E
Allahabad Bank
H D F C Bank Ltd.
I C I C I Bank Ltd.
Oriental Bank Of Commerce
Standard Chartered Bank
State Bank Of India

Weights(%) 30 5 10 5 5

Calculate Weighted ranks

 Non Int
Company Name NIM Rank Inc/Ttl Inc CAR Rank D/E Rank
P/E
Allahabad Bank
H D F C Bank Ltd.
I C I C I Bank Ltd.
Oriental Bank Of Commerce
Standard Chartered Bank
State Bank Of India
 (%) Rs. Crore nos nos Rs. Crore Rs. Crore

NIM CAR Total

Rank CAR Rank PAT Emplys Brnchs Depst Loans&Adv

13.62 1206.33 20959 2287 106055.74 71604.87

16.45 2948.7 51888 1725 167404.44 125830.59
19.14 4024.98 55000 1707 202016.61 181205.6
10.83 1134.68 15358 1508 120257.59 83489.29
12.41 2127.04 6000 55 48192.38 41627.15
12 9166.05 200299 12638 804116.23 631914.15

LA/DD Rank LA/D D/E % change NPA Non Int Inc/Ttl Inc

1.07 -12
1 34
1.19 -45
0.61 67
1.54 98
1.9 31

Rank
Rank NPA Average Final
Rank NPA change Rank LA/DD Rank Rank
B/B

10 20 5 10
 Rank
Rank NPA Rank Average
Rank NPA change Rank LA/DD LA/TD Rank Final Rank
B/B
Profit per Business
emply Rank per branch Rank

P/E B/B