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Key Financial Indicators

S.No.
Particulars (In Percentage)
31.03.2010
31.03.2011
31.03.2012
31.03.2013
31.03.2014
1
Interest Income / Average Working Funds (AWF)
6.86%
6.97%
7.58%
7.34%
6.76%
2
Interest Expenses / AWF
4.42%
4.16%
4.95%
4.98%
4.69%
3
Net Interest Margin (NIM)
2.74%
3.12%
2.97%
2.66%
2.36%
4
Interest Spread / AWF
2.44%
2.80%
2.64%
2.36%
2.08%
5
Non-Interest Income / AWF
1.15%
0.89%
0.87%
0.76%
0.78%
6
Operating Expenses / AWF
1.56%
1.47%
1.32%
1.24%
1.24%
7
Cost Income Ratio
43.57%
39.87%
37.55%
39.79%
43.44%
8
Gross (Operating) Profit / AWF
2.03%
2.22%
2.19%
1.88%
1.61%
9
Net Profit / AWF
1.26%
1.35%
1.28%
0.93%
0.79%
10
Return on Net Worth
22.19%
21.42%
19.11%
14.59%
13.00%
11
Return on Assets
1.10%
1.18%
1.12%
0.82%
0.69%
12
Return on Average Assets
1.21%
1.33%
1.24%
0.90%
0.75%
13
Yield on Advances
8.55%
8.48%
9.39%
8.90%
8.32%
14
Cost of Deposits
4.90%
4.56%
5.62%
5.80%
5.38%
15
Dividend Payout Ratio (including Corporate Dividend Tax)
20.90%
17.76%
16.22%
23.65%
23.86%
16
Credit -- Deposit Ratio
84.47%
86.77%
86.86%
82.03%
86.15%
17
Credit + Non SLR Investment (excluding Investments in Subsidiaries) -- Deposit Ratio
88.74%
90.29%
90.36%
86.17%
90.00%
18
Capital Adequacy Ratio (BASEL I)
12.84%
13.02%
12.95%
12.09%
11.66%
Tier - I
8.22%
8.96%
9.56%
9.20%
8.64%
Tier - II
4.62%
4.06%
3.39%
2.89%
3.02%
19
Capital Adequacy Ratio (BASEL II)
14.36%
14.52%
14.67%
13.30%
12.88%
Tier - I
9.20%
9.99%
10.83%
10.13%
9.54%
Tier - II
5.16%
4.53%
3.84%
3.17%
3.34%
20
Capital Adequacy Ratio - BASEL III
12.28%
Tier - I
9.28%
Tier - II
3.00%

S.No..
Particulars (In Percentage)
31.03.2010
31.03.2011
31.03.2012
31.03.2013
31.03.2014
1
Employees (number)
38960
40046
42175
43108
46001
2
Branches (number)
3148
3418
3959
4336
4934
3
Business per employee (Rs. in crore)
9.81
12.29
14.66
16.89
18.65
4
Average Business per employee (Rs in crore)
8.94
11.26
13.15
15.71
17.48
5
Gross Profit per employee (Rs. in lakhs)
12.67
17.43
20.35
20.88
20.20
6
Net Profit per employee (Rs. in lakhs)
7.85
10.59
11.87
10.39
9.87
7
Business per branch (Rs. in crore)
132.24
156.27
169.80
184.98
195.76
8
Gross Profit per branch (Rs. in crore)
1.57
2.04
2.17
2.08
1.88
9
Net Profit per branch (Rs. in crore)
0.97
1.24
1.26
1.03
0.92
10
Earnings per share (Rupees)
83.96
116.37
127.84
108.84
107.38
11
Book Value per share (Rupees)
378.44
505.71
637.37
729.11
813.50

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


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