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)