S.No. |
Particulars (In Percentage) |
31.03.2007 |
31.03.2008 |
31.03.2009 |
31.03.2010 |
31.03.2011 |
1 |
Interest Income / Average Working Funds (AWF) |
7.22% |
7.63% |
7.78% |
6.86% |
6.97% |
2 |
Interest expenses / AWF |
4.35% |
5.10% |
5.14% |
4.42% |
4.16% |
3 |
Net Interest Margin (NIM) |
3.05% |
2.90% |
2.91% |
2.74% |
3.12% |
4 |
Interest spread / AWF |
2.87% |
2.53% |
2.64% |
2.44% |
2.80% |
5 |
Non-Interest Income / AWF |
1.11% |
1.32% |
1.42% |
1.15% |
0.89% |
6 |
Operating expenses / AWF |
2.04% |
1.96% |
1.84% |
1.56% |
1.47% |
7 |
Cost Income Ratio |
51.30% |
50.89% |
45.38% |
43.57% |
39.87% |
8 |
Gross (Operating) profit / AWF |
1.94% |
1.89% |
2.22% |
2.03% |
2.22% |
9 |
Net profit / AWF |
0.82% |
0.93% |
1.15% |
1.26% |
1.35% |
10 |
Return on Net Worth |
12.17% |
15.07% |
19.48% |
22.19% |
21.48% |
11 |
Return on Assets |
0.72% |
0.80% |
0.98% |
1.10% |
1.18% |
12 |
Return on Average Assets |
0.80% |
0.89% |
1.10% |
1.21% |
1.33% |
13 |
Yield on Advances |
8.37% |
9.53% |
9.50% |
8.55% |
8.49% |
14 |
Cost of Deposits |
4.77% |
5.69% |
5.71% |
4.90% |
4.56% |
15 |
Dividend payout Ratio (including Corporate
Dividend Tax) |
24.59% |
23.75% |
17.22% |
20.90% |
17.76% |
16 |
Credit -- Deposit Ratio |
74.35% |
77.32% |
81.94% |
84.47% |
86.77% |
17 |
Credit + Non SLR Investment (excluding
Investments in Subsidiaries) -- Deposit Ratio |
80.21% |
82.78% |
87.44% |
88.74% |
90.29% |
18 |
Capital Adequacy Ratio (BASEL I) |
11.80% |
12.91% |
12.88% |
12.84% |
13.02% |
|
Tier - I |
8.74% |
7.63% |
7.79% |
8.22% |
8.96% |
|
Tier - II |
3.06% |
5.28% |
5.09% |
4.62% |
4.06% |
19 |
Capital Adequacy Ratio (BASEL II) |
- |
12.94% |
14.05% |
14.36% |
14.52% |
|
Tier - I |
- |
7.64% |
8.49% |
9.20% |
9.99% |
|
Tier - II |
- |
5.30% |
5.56% |
5.16% |
4.53% |
S.No.. |
Particulars (In Percentage) |
31.03.2007 |
31.03.2008 |
31.03.2009 |
31.03.2010 |
31.03.2011 |
1 |
Employees (number) |
38086 |
36774 |
36838 |
38960 |
40046 |
2 |
Branches (number) |
2772 |
2899 |
2974 |
3148 |
3418 |
3 |
Business per employee (Rs. in crore) |
5.15 |
6.65 |
8.63 |
9.81 |
12.29 |
4 |
Average Business per employee (Rs in crore) |
4.64 |
5.94 |
7.57 |
8.94 |
11.26 |
5 |
Gross Profit per employee (Rs. in lakhs) |
6.34 |
7.96 |
11.69 |
12.67 |
17.43 |
6 |
Net Profit per employee (Rs. in lakhs) |
2.70 |
3.90 |
6.05 |
7.85 |
10.59 |
7 |
Business per branch (Rs. in crore) |
75.23 |
89.25 |
112.86 |
132.24 |
156.27 |
8 |
Gross Profit per branch (Rs. in crore) |
0.87 |
1.01 |
1.45 |
1.57 |
2.04 |
9 |
Net Profit per branch (Rs. in crore) |
0.37 |
0.50 |
0.75 |
0.97 |
1.24 |
10 |
Earnings per share (Rupees) |
28.18 |
39.40 |
61.14 |
83.96 |
116.37 |
11 |
Book Value per share (Rupees) |
231.59 |
261.54 |
313.82 |
378.44 |
504.43 |
