Mar '11

Mar '10

Mar '09

Mar '08

Mar '07

Total Share Capital

465.23

457.74

425.38

354.43

319.39

Equity Share Capital

Capital and Liabilities:

465.23

457.74

425.38

354.43

319.39

Share Application Money

400.92

Preference Share Capital

24,914.04

21,064.75

14,226.43

11,142.80

6,113.76

25,379.27

21,522.49

15,052.73

11,497.23

6,433.15

208,586.41

167,404.44

142,811.58

100,768.60

68,297.94

14,394.06

12,915.69

2,685.84

4,478.86

2,815.39

222,980.47

180,320.13

145,497.42

105,247.46

71,113.33

28,992.86

20,615.94

22,720.62

16,431.91

13,689.13

277,352.60

222,458.56

183,270.77

133,176.60

91,235.61

Mar '11

Mar '10

Mar '09

Mar '08

Mar '07

25,100.82

15,483.28

13,527.21

12,553.18

5,182.48

4,568.02

14,459.11

3,979.41

2,225.16

3,971.40

Reserves
Revaluation Reserves
Net Worth
Deposits
Borrowings
Total Debt
Other Liabilities &
Provisions
Total Liabilities

Assets
Cash & Balances with RBI
Balance with Banks, Money
at Call
Advances

159,982.67

125,830.59

98,883.05

63,426.90

46,944.78

Investments

70,929.37

58,607.62

58,817.55

49,393.54

30,564.80

Gross Block

5,244.21

4,707.97

3,956.63

2,386.99

1,917.56

Accumulated Depreciation

3,073.56

2,585.16

2,249.90

1,211.86

950.89

Net Block

2,170.65

2,122.81

1,706.73

1,175.13

966.67

Capital Work In Progress

Other Assets

14,601.08

5,955.15

6,356.83

4,402.69

3,605.48

Total Assets

277,352.61

222,458.56

183,270.78

133,176.60

91,235.61

Contingent Liabilities

559,681.87

466,236.24

396,594.31

582,835.94

202,126.73

28,869.10

20,940.13

17,939.62

17,092.85

7,211.88

545.53

470.19

344.44

324.38

201.42

Mar '11

Mar '10

Mar '09

Mar '08

Mar '07

Bills for collection

Book Value (Rs)
Profit & Loss account

Income
Interest Earned

19,928.21

16,172.90

16,332.26

10,115.00

6,889.02

Other Income

4,433.51

3,810.62

3,470.63

2,205.38

1,510.24

Total Income

24,361.72

19,983.52

19,802.89

12,320.38

8,399.26

9,385.08

7,786.30

8,911.10

4,887.12

3,179.45

2,836.04

2,289.18

2,238.20

1,301.35

776.86

2,510.82

3,395.83

2,851.26

974.79

727.53

497.41

394.39

359.91

271.72

219.6

5,205.97

3,169.12

3,197.49

3,295.22

2,113.28

Expenditure
Interest expended
Employee Cost
Selling and Admin
Expenses
Depreciation
Miscellaneous Expenses

Preoperative Exp
Capitalised

Operating Expenses

8,045.36

7,703.41

7,290.66

3,935.28

2,590.66

Provisions & Contingencies

3,004.88

1,545.11

1,356.20

1,907.80

1,246.61

20,435.32

17,034.82

17,557.96

10,730.20

7,016.72

Mar '11

Mar '10

Mar '09

Mar '08

Mar '07

12 mths

12 mths

12 mths

12 mths

12 mths

3,926.40

2,948.70

2,244.94

1,590.18

1,382.54

Total Expenses

Net Profit for the Year

Extraordionary Items

-2.65

-0.93

-0.59

-0.06

-0.35

Profit brought forward

4,532.79

3,455.57

2,574.63

1,932.03

1,455.02

Total

8,456.54

6,403.34

4,818.98

3,522.15

2,837.21

Preference Dividend

Equity Dividend

767.62

549.29

425.38

301.27

223.57

Corporate Dividend Tax

124.53

91.23

72.29

51.2

38

Earning Per Share (Rs)

84.4

64.42

52.77

44.87

43.29

Equity Dividend (%)

165

120

100

85

70

Book Value (Rs)

545.53

470.19

344.44

324.38

201.42

Appropriations
Transfer to Statutory
Reserves

997.52

935.15

641.25

436.05

288.38

Transfer to Other Reserves

392.64

294.87

224.5

159.02

114.14

Per share data (annualised)

Proposed Dividend/Transfer
to Govt
Balance c/f to Balance
Sheet

892.15

640.52

497.67

352.47

261.57

6,174.24

4,532.79

3,455.57

2,574.61

1,932.03

Total

8,456.55

6,403.33

4,818.99

3,522.15

2,596.12

Mar '11

Mar '10

Mar '09

Mar '08

Mar '07

Investment Valuation Ratios

Face Value

10

10

10

10

10

16.5

12

10

8.5

160.36

106.25

92.36

107.32

86.19

524.34

436.03

464.77

348.57

259.98

419.1

363.55

252.37

269.89

155.69

--

--

--

--

--

5.95

5.89

6.98

7.08

5.47

Adjusted Cash Margin(%)

18.13

16.71

13.15

15.01

19.07

Net Profit Margin

Return on Long Term
Fund(%)

16.09

14.76

11.35

12.82

13.57

59.91

56.08

83.31

62.34

74.91

Return on Net Worth(%)

15.47

13.7

15.32

13.83

23.57

Dividend Per Share

Operating Profit Per Share
(Rs)
Net Operating Profit Per
Share (Rs)
Free Reserves Per Share
(Rs)
Bonus in Equity Capital
Profitability Ratios
Interest Spread

Adjusted Return on Net

Worth(%)
Return on Assets Excluding
Revaluations
Return on Assets Including
Revaluations
Management Efficiency Ratios
Interest Income / Total
Funds
Net Interest Income / Total
Funds
Non Interest Income / Total
Funds
Interest Expended / Total
Funds
Operating Expense / Total
Funds
Profit Before Provisions /
Total Funds

15.47

13.68

15.29

13.82

17.75

545.53

470.19

344.44

324.38

201.42

545.53

470.19

344.44

324.38

201.42

9.76

9.84

12.5

11.01

10.08

6.01

6.86

6.66

6.22

--

0.01

--

0.04

0.13

3.76

3.84

5.63

4.36

3.86

3.02

3.6

4.38

3.27

2.88

2.79

2.21

2.26

3.19

2.91

Net Profit / Total Funds

1.57

1.45

1.42

1.42

1.68

Loans Turnover
Total Income / Capital
Employed(%)
Interest Expended / Capital
Employed(%)
Total Assets Turnover
Ratios

0.17

0.18

0.24

0.22

0.2

9.76

9.85

12.5

11.05

10.21

3.76

3.84

5.63

4.36

3.86

0.1

0.1

0.13

0.11

0.1

Asset Turnover Ratio

4.65

4.24

5.18

4.33

47.09

48.14

54.56

48.32

46.15

--

0.09

--

0.35

1.22

30.94

36.59

35.06

29.55

28.21

Profit And Loss Account Ratios

Interest Expended / Interest
Earned
Other Income / Total Income
Operating Expense / Total
Income
Selling Distribution Cost
Composition

0.65

0.41

0.54

0.92

0.9

Balance Sheet Ratios

Capital Adequacy Ratio

16.22

17.44

15.69

13.6

13.08

Advances / Loans Funds(%)

79.34

77.24

78.87

71.93

71.41

Debt Coverage Ratios

Credit Deposit Ratio

76.02

72.44

66.64

65.28

66.08

Investment Deposit Ratio

34.45

37.85

44.43

47.29

47.51

Cash Deposit Ratio

10.79

9.35

10.71

10.49

6.84

8.22

7.78

9.75

8.76

10.62

0.79

0.63

0.44

0.79

1.9

Total Debt to Owners Fund

Financial Charges Coverage
Ratio
Financial Charges Coverage
Ratio Post Tax

1.47

1.43

1.29

1.38

1.5

Leverage Ratios
Current Ratio

0.06

0.03

0.04

0.04

0.04

Quick Ratio

6.89

7.14

5.23

4.89

4.07

22.72

21.72

22.16

22.16

22.91

Cash Flow Indicator Ratios

Dividend Payout Ratio Net
Profit

Dividend Payout Ratio Cash

Profit

20.16

19.15

19.1

18.93

16.32

Earning Retention Ratio

Cash Earning Retention
Ratio

77.29

78.25

77.79

77.83

77.11

79.84

80.82

80.87

81.07

83.69

AdjustedCash Flow Times

47.14

50.14

54.91

54.14

42.6

Mar '11

Mar '10

Mar '09

Mar '08

Mar '07

Earnings Per Share

Book Value

84.4

64.42

52.77

44.87

43.29

545.53

470.19

344.44

324.38

201.42