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Key Financial Indicators - Profitability Ratios

Sr. No.
Particulars
31.03.2005
31.03.2006
31.03.2007
31.03.2008
31.03.2009
1
Interest Income / Average Working Funds (AWF)
6.85%
6.59%
7.22%
7.63%
7.78%
2
Interest expenses / AWF
3.68%
3.65%
4.35%
5.10%
5.14%
3
Net Interest Margin
3.39%
3.20%
3.05%
2.90%
2.91%
4
Interest spread / AWF
3.17%
2.93%
2.87%
2.53%
2.64%
5
Non-Interest Income / AWF
1.40%
1.12%
1.11%
1.32%
1.42%
6
Operating expenses / AWF
2.11%
2.25%
2.04%
1.96%
1.84%
7
Cost Income Ratio
46.24%
55.43%
51.30%
50.89%
45.38%
8
Gross (Operating) profit / AWF
2.45%
1.81%
1.94%
1.89%
2.22%
9
Net profit / AWF
0.72%
0.78%
0.82%
0.93%
1.15%
10
Return on Net Worth
12.55%
10.85%
12.17%
15.07%
19.56%
11
Return on Assets
0.71%
0.73%
0.72%
0.80%
0.98%
12
Return on Average Assets
0.75%
0.79%
0.80%
0.89%
1.09%
13
Yield on Advances
7.18%
7.43%
8.37%
9.53%
9.50%
14
Cost of Deposits
4.23%
4.15%
4.77%
5.69%
5.71%
15
Dividend payout Ratio (including Corporate Dividend Tax)
24.67%
25.11%
24.59%
23.75%
17.22%
16
Credit -- Deposit Ratio
55.82%
67.15%
74.35%
77.32%
82.36%
17
Credit + Non SLR Investment (excluding Investments in Subsidiaries) -- Deposit Ratio
63.96%
74.94%
80.21%
82.78%
87.86%
18
Capital Adequacy Ratio
12.61%
13.65%
11.80%
12.91%
12.88%
Tier - I
8.21%
10.98%
8.74%
7.63%
7.79%
Tier - II
4.40%
2.67%
3.06%
5.28%
5.09%

Key Financial Indicators - Efficiency Ratios

Sr. No.
Particulars
31.03.2005
31.03.2006
31.03.2007
31.03.2008
31.03.2009
1
Employees (number)
39529
38774
38086
36774
36838
2
Branches (number)
2738
2743
2772
2899
2974
3
Business per employee (Rs. in crore)
3.16
3.96
5.48
7.04
9.13
4
Average Business per employee (Rs in crore)
2.97
3.51
4.64
5.94
7.57
5
Gross Profit per employee (Rs. in lakhs)
5.82
4.95
6.34
7.96
11.69
6
Net Profit per employee (Rs. in lakhs)
1.71
2.13
2.70
3.90
6.05
7
Business per branch (Rs. in crore)
45.56
55.99
75.23
89.25
113.11
8
Gross Profit per branch (Rs. in crore)
0.84
0.70
0.87
1.01
1.45
9
Net Profit per branch (Rs. in crore)
0.25
0.30
0.37
0.50
0.75
10
Earnings per share (Rupees)
23.08
27.10
28.18
39.40
61.14
11
Book Value per share (Rupees)
183.83
209.18
231.59
261.54
312.61

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


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