Bank of Baroda - Key Financial Indicators

S.No.	Particulars (In Percentage)	31.03.2003	31.03.2004	31.03.2005	31.03.2006	31.03.2007
1	Interest Income / Average Working Funds (AWF)	7.94%	7.43%	6.86%	6.65%	7.39%
2	Interest expenses / AWF	5.20%	4.32%	3.68%	3.65%	4.35%
3	Net Interest Margin	2.94%	3.34%	3.40%	3.26%	3.23%
3	Interest spread / AWF	2.74%	3.11%	3.18%	2.99%	3.04%
4	Non-Interest Income / AWF	1.64%	2.08%	1.40%	1.06%	0.94%
5	Operating expenses / AWF	2.15%	2.18%	2.11%	2.25%	2.04%
6	Cost Income Ratio	48.99%	42.08%	46.12%	55.43%	51.30%
7	Gross (Operating) profit / AWF	2.24%	3.00%	2.47%	1.81%	1.94%
8	Net profit / AWF	1.01%	1.17%	0.72%	0.78%	0.82%
9	Return on Net Worth	18.73%	19.81%	12.55%	10.85%	12.17%
10	Return on Assets	1.01%	1.14%	0.71%	0.73%	0.72%
11	Return on Average Assets	1.05%	1.20%	0.75%	0.79%	0.80%
12	Yield on Advances	8.88%	7.76%	7.18%	7.43%	8.37%
13	Cost of Deposits	5.97%	4.96%	4.23%	4.15%	4.77%
14	Dividend payout Ratio (including Corporate Dividend Tax)	24.94%	22.24%	24.67%	25.11%	24.59%
15	Credit -- Deposit Ratio	55.56%	51.17%	55.82%	67.15%	74.35%
16	Credit + Non SLR Investment (excluding Investments in Subsidiaries) -- Deposit Ratio	65.50%	62.82%	63.96%	74.94%	80.21%
17	Capital Adequacy Ratio	12.65%	13.91%	12.61%	13.65%	11.80%
	Tier - I	8.10%	8.47%	8.21%	10.98%	8.74%
	Tier - II	4.55%	5.44%	4.40%	2.67%	3.06%

S.No.	Particulars	31.03.2003	31.03.2004	31.03.2005	31.03.2006	31.03.2007
1	Employees (number)	40313	39803	39529	38774	38086
2	Branches (number)	2753	2730	2738	2743	2772
3	Business per employee (Rs. in crore)	2.52	2.73	3.16	3.96	5.48
4	Average Business per employee (Rs in crore)	2.43	2.61	2.97	3.51	4.64
5	Gross Profit per employee (Rs. in lakhs)	4.26	6.24	5.82	4.95	6.34
6	Net Profit per employee (Rs. in lakhs)	1.92	2.43	1.71	2.13	2.70
7	Business per branch (Rs. in crore)	36.95	39.77	45.56	55.99	75.23
8	Gross Profit per branch (Rs. in crore)	0.62	0.91	0.84	0.70	0.87
9	Net Profit per branch (Rs. in crore)	0.28	0.35	0.25	0.30	0.37
10	Earnings per share (Rupees)	26.11	32.97	23.08	27.10	28.18
11	Book Value per share (Rupees)	139.36	166.46	183.83	209.18	231.59

    Source: Annual Reports of various years. (previous year's figures are regrouped and reclassified, where appropriate)