S.No. |
Particulars (In Percentage) |
31.03.2006 |
31.03.2007 |
31.03.2008 |
31.03.2009 |
31.03.2010 |
1 |
Interest Income / Average Working Funds (AWF) |
6.59% |
7.22% |
7.63% |
7.78% |
6.86% |
2 |
Interest expenses / AWF |
3.65% |
4.35% |
5.10% |
5.14% |
4.42% |
3 |
Net Interest Margin (NIM) |
3.20% |
3.05% |
2.90% |
2.91% |
2.74% |
4 |
Interest spread / AWF |
2.93% |
2.87% |
2.53% |
2.64% |
2.44% |
5 |
Non-Interest Income / AWF |
1.12% |
1.11% |
1.32% |
1.42% |
1.15% |
6 |
Operating expenses / AWF |
2.25% |
2.04% |
1.96% |
1.84% |
1.56% |
7 |
Cost Income Ratio |
55.43% |
51.30% |
50.89% |
45.38% |
43.57% |
8 |
Gross (Operating) profit / AWF |
1.81% |
1.94% |
1.89% |
2.22% |
2.03% |
9 |
Net profit / AWF |
0.78% |
0.82% |
0.93% |
1.15% |
1.26% |
10 |
Return on Net Worth |
10.85% |
12.17% |
15.07% |
19.48% |
22.19% |
11 |
Return on Assets |
0.73% |
0.72% |
0.80% |
0.98% |
1.10% |
12 |
Return on Average Assets |
0.79% |
0.80% |
0.89% |
1.10% |
1.21% |
13 |
Yield on Advances |
7.43% |
8.37% |
9.53% |
9.50% |
8.55% |
14 |
Cost of Deposits |
4.15% |
4.77% |
5.69% |
5.71% |
4.90% |
15 |
Dividend payout Ratio (including Corporate Dividend Tax) |
25.11% |
24.59% |
23.75% |
17.22% |
20.90% |
16 |
Credit -- Deposit Ratio |
67.15% |
74.35% |
77.32% |
81.94% |
84.55% |
17 |
Credit + Non SLR Investment (excluding Investments in Subsidiaries) -- Deposit Ratio |
74.94% |
80.21% |
82.78% |
87.44% |
88.83% |
18 |
Capital Adequacy Ratio (BASEL I) |
13.65% |
11.80% |
12.91% |
12.88% |
12.84% |
|
Tier - I |
10.98% |
8.74% |
7.63% |
7.79% |
8.22% |
|
Tier - II |
2.67% |
3.06% |
5.28% |
5.09% |
4.62% |
19 |
Capital Adequacy Ratio (BASEL II) |
- |
- |
12.94% |
14.05% |
14.36% |
|
Tier - I |
- |
- |
7.64% |
8.49% |
9.20% |
|
Tier - II |
- |
- |
5.30% |
5.56% |
5.16% |
S.No.. |
Particulars (In Percentage) |
31.03.2006 |
31.03.2007 |
31.03.2008 |
31.03.2009 |
31.03.2010 |
1 |
Employees (number) |
38774 |
38086 |
36774 |
36838 |
38960 |
2 |
Branches (number) |
2743 |
2772 |
2899 |
2974 |
3148 |
3 |
Business per employee (Rs. in crore) |
3.96 |
5.48 |
7.04 |
9.11 |
10.68 |
4 |
Average Business per employee (Rs in crore) |
3.51 |
4.64 |
5.94 |
7.57 |
8.94 |
5 |
Gross Profit per employee (Rs. in lakhs) |
4.95 |
6.34 |
7.96 |
11.69 |
12.67 |
6 |
Net Profit per employee (Rs. in lakhs) |
2.13 |
2.70 |
3.90 |
6.05 |
7.85 |
7 |
Business per branch (Rs. in crore) |
55.99 |
75.23 |
89.25 |
112.86 |
132.17 |
8 |
Gross Profit per branch (Rs. in crore) |
0.70 |
0.87 |
1.01 |
1.45 |
1.57 |
9 |
Net Profit per branch (Rs. in crore) |
0.30 |
0.37 |
0.50 |
0.75 |
0.97 |
10 |
Earnings per share (Rupees) |
27.10 |
28.18 |
39.40 |
61.14 |
83.96 |
11 |
Book Value per share (Rupees) |
209.18 |
231.59 |
261.54 |
313.82 |
378.44 |
