S.No. |
Particulars (In Percentage) |
31.03.2009 |
31.03.2010 |
31.03.2011 |
31.03.2012 |
1 |
Interest Income / Average Working Funds (AWF) |
7.78% |
6.86% |
6.97% |
7.58% |
2 |
Interest expenses / AWF |
5.14% |
4.42% |
4.16% |
4.95% |
3 |
Net Interest Margin (NIM) |
2.91% |
2.74% |
3.12% |
2.97% |
4 |
Interest spread / AWF |
2.64% |
2.44% |
2.80% |
2.64% |
5 |
Non-Interest Income / AWF |
1.42% |
1.15% |
0.89% |
0.87% |
6 |
Operating expenses / AWF |
1.84% |
1.56% |
1.47% |
1.32% |
7 |
Cost Income Ratio |
45.38% |
43.57% |
39.87% |
37.55% |
8 |
Gross (Operating) profit / AWF |
2.22% |
2.03% |
2.22% |
2.19% |
9 |
Net profit / AWF |
1.15% |
1.26% |
1.35% |
1.28% |
10 |
Return on Net Worth |
19.48% |
22.19% |
21.42% |
19.11% |
11 |
Return on Assets |
0.98% |
1.10% |
1.18% |
1.12% |
12 |
Return on Average Assets |
1.10% |
1.21% |
1.33% |
1.24% |
13 |
Yield on Advances |
9.50% |
8.55% |
8.48% |
9.39% |
14 |
Cost of Deposits |
5.71% |
4.90% |
4.56% |
5.62% |
15 |
Dividend payout Ratio (including Corporate
Dividend Tax) |
17.22% |
20.90% |
17.76% |
16.22% |
16 |
Credit -- Deposit Ratio |
81.94% |
84.47% |
86.77% |
86.86% |
17 |
Credit + Non SLR Investment (excluding
Investments in Subsidiaries) -- Deposit Ratio |
87.44% |
88.74% |
90.29% |
90.36% |
18 |
Capital Adequacy Ratio (BASEL I) |
12.88% |
12.84% |
13.02% |
12.95% |
|
Tier - I |
7.79% |
8.22% |
8.96% |
9.56% |
|
Tier - II |
5.09% |
4.62% |
4.06% |
3.39% |
19 |
Capital Adequacy Ratio (BASEL II) |
14.05% |
14.36% |
14.52% |
14.67% |
|
Tier - I |
8.49% |
9.20% |
9.99% |
10.83% |
|
Tier - II |
5.56% |
5.16% |
4.53% |
3.84% |
S.No.. |
Particulars (In Percentage) |
31.03.2009 |
31.03.2010 |
31.03.2011 |
31.03.2012 |
1 |
Employees (number) |
36838 |
38960 |
40046 |
42175 |
2 |
Branches (number) |
2974 |
3148 |
3418 |
3959 |
3 |
Business per employee (Rs. in crore) |
8.63 |
9.81 |
12.29 |
14.66 |
4 |
Average Business per employee (Rs in crore) |
7.57 |
8.94 |
11.26 |
13.15 |
5 |
Gross Profit per employee (Rs. in lakhs) |
11.69 |
12.67 |
17.43 |
20.35 |
6 |
Net Profit per employee (Rs. in lakhs) |
6.05 |
7.85 |
10.59 |
11.87 |
7 |
Business per branch (Rs. in crore) |
112.86 |
132.24 |
156.27 |
169.80 |
8 |
Gross Profit per branch (Rs. in crore) |
1.45 |
1.57 |
2.04 |
2.17 |
9 |
Net Profit per branch (Rs. in crore) |
0.75 |
0.97 |
1.24 |
1.26 |
10 |
Earnings per share (Rupees) |
61.14 |
83.96 |
116.37 |
127.84 |
11 |
Book Value per share (Rupees) |
313.82 |
378.44 |
505.71 |
637.37 |
