Definitions & Calculations

This section defines financial terms and ratios used for FY 12 data in this publication Formulae Total Income Total Interest Earned + Other Income Net Profit Total Income Total Expenses Total Expenses Total Interest expended + Operating expenses + Provisions and Contingencies Total Interest Earned Interest/discount on advances/bills + Interest from Investments + Other Interest Total interest Expended Interest on Deposits + Interest on RBI/Other borrowings + Other Interest Net Interest Income Interest Earned Interest Expended Total Business Total Advances + Total Deposits Total Assets Cash in hand + Balances with RBI + Balances with banks inside/outside India + Money at call and short notice + Investments + Advances + Fixed Assets + Other Assets Average Assets (Opening Total Assets + Closing Total Assets)/2 Cash & balances Cash in hand + Balances with Banks in & outside India + Money at call and short notice CASA Deposits Demand Deposits + Savings Bank Deposits Net Worth Capital + Reserves Borrowed funds Total Borrowings + Total Deposits + Bills payable Funds Deployed Total Assets Fixed Assets Other Assets Other Components of Assets, Liabilities, Income As per Annual Report and Expenditure Return on Assets (%) As per Annual Report (For Aggregate- [Net Profit/Total Assets]*100 Return on Advances (%) (Interest earned on advances/Advances)*100 Return on Investments (%) (Interest earned on Investments/Investments) *100 ROE or Return on Equity (Net Profit/Net worth) *100 Net Interest Margin (%) (Net Interest Income/Average Assets)*100 Net Profit Margin (%) (Net Profit/ Total Income)*100 Cost-Income (%) Operating expenses/(Net interest income + Other income)*100 Credit Deposit (%) (Total Advances/Total Deposits) *100 Cash Deposit (%) [(Cash in hand + Balances with RBI)/ Total deposits]*100 Investment Deposit (%) (Total Investments/Total Deposits) *100 Particulars

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Particulars CASA /Total Deposit or CASA Ratio (%) Gross NPA Ratio (%) Net NPA Ratio CRAR (%) Basel II Business/Employee Profit/Employee Burden to Total Assets (%) Burden to Interest Income (%) Interest cost (%) Operating Expense Ratio (%) Cost of deposits (%) Cost of borrowings (%) Intermediation Expenses Wage bill or Employee expenses SLR Investment Non SLR Investment Total Contingent Liability

Sensitive Sector Advances

Gross Yield on Earnings Assets Earnings Assets or Funds in carry Business

Formulae [(Demand Deposits + Savings Bank Deposits)/ Total Deposits] *100 (Gross NPA/Gross Advances )*100 Net NPA to Net Advance as per Annual Report As per Annual Report As per Annual Report As per Annual Report [(Operating expense Other Income)/Total Assets] *100 [(Operating expense Other Income)/Interest Earned] *100 ( To t a l I n t e r e s t E x p e n d e d / B o r r o w e d Funds)*100 (Operating Expense / Funds deployed) *100 (Interest on deposits/Deposits) *100 (Interest on borrowing from RBI and others/Borrowings) *100 Operating expenses as per Annual report Payment to and provisions for employee as per Annual report Investment in Government securities + other approved securities Total Investments SLR Investments Outstanding Forward Exchange Contracts + Guarantees given on behalf of constituents + Acceptances & Endorsements + Other contingent liabilities Capital Markets Sector Advances + Real Estate Sector Advances + Commodity Sector Advances Total Interest Earned/Earning Assets Funds Deployed Non SLR Investments

Note: All FY11 financials and ratios used in the publication are as per RBI data