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Key Financial Indicators

S.No.
Particulars (In Percentage)
31.03.2012
31.03.2013
31.03.2014
31.03.2015
31.03.2016
1
Interest Income / Average Working Funds (AWF)
7.58%
7.34%
6.76%
6.62%
6.31%
2
Interest Expenses / AWF
4.95%
4.98%
4.69%
4.59%
4.49%
3
Net Interest Margin (NIM)
2.97%
2.66%
2.36%
2.31%
2.05%
4
Interest Spread / AWF
2.64%
2.36%
2.08%
2.03%
1.83%
5
Non-Interest Income / AWF
0.87%
0.76%
0.78%
0.68%
0.72%
6
Operating Expenses / AWF
1.32%
1.24%
1.24%
1.18%
1.28%
7
Cost Income Ratio
37.55%
39.79%
43.44%
43.63%
50.30%
8
Gross (Operating) Profit / AWF
2.19%
1.88%
1.61%
1.53%
1.26%
9
Net Profit / AWF
1.28%
0.93%
0.79%
0.52%
-0.77%
10
Return on Net Worth
19.11%
14.59%
13.00%
9.21%
-17.64%
11
Return on Assets
1.12%
0.82%
0.69%
0.48%
-0.80%
12
Return on Average Assets
1.24%
0.90%
0.75%
0.49%
-0.78%
13
Yield on Advances
9.39%
8.90%
8.32%
8.11%
7.35%
14
Cost of Deposits
5.62%
5.80%
5.38%
5.18%
5.05%
15
Dividend Payout Ratio (including Corporate Dividend Tax)
16.22%
23.65%
23.86%
25.06%
0.00%
16
Credit / Deposit Ratio
86.86%
82.03%
86.15%
84.82%
78.29%
17
Credit + Non SLR Investment (excluding Investments in Subsidiaries) / Deposit Ratio
90.36%
86.17%
90.00%
89.10%
80.82%
18
Capital Adequacy Ratio (BASEL II)
14.67%
13.30%
12.88%
13.33%
14.20%
Tier - I
10.83%
10.13%
9.54%
10.14%
11.21%
Tier - II
3.84%
3.17%
3.34%
3.20%
2.99%
19
Capital Adequacy Ratio - BASEL III
12.28%
12.60%
13.17%
Tier - I
9.28%
9.87%
10.79%
Tier - II
3.00%
2.73%
2.38%

S.No.
Particulars
31.03.2012
31.03.2013
31.03.2014
31.03.2015
31.03.2016
1
Employees (number)
42175
43108
46001
49378
52021
2
Branches (number)
3959
4336
4934
5250
5390
3
Business per employee (Rs. in crore)
14.66
16.89
18.65
18.89
16.80
4
Average Business per employee (Rs in crore)
13.15
15.71
17.48
18.48
18.90
5
Gross Profit per employee (Rs. in lakhs)
20.35
20.88
20.20
20.08
16.95
6
Net Profit per employee (Rs. in lakhs)
11.87
10.39
9.87
6.88
-ve
7
Business per branch (Rs. in crore)
169.80
184.98
195.76
199.17
177.70
8
Gross Profit per branch (Rs. in crore)
2.17
2.08
1.88
1.89
1.64
9
Net Profit per branch (Rs. in crore)
1.26
1.03
0.92
0.65
-ve
10
Earnings per share (Rupees)
127.84
108.84
107.38
15.83*
-ve
11
Book Value per share (Rupees)
637.37
729.11
813.50
166.83*
132.74*

    Source: Annual Reports of various years. (previous year's figures are regrouped and reclassified, where appropriate) * @ face value of Rs 2 per share


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