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Mar-14 Mar-13 Mar-12 Mar-11 Mar-10

PBIDT/Sales(%) 73.36 76.27 82.01 76.98 79.92


Sales/Net Assets 0.28 0.28 0.3 0.29 0.23
PBDIT/Net Assets 0.2 0.21 0.24 0.22 0.18
PAT/PBIDT(%) 5.17 8.72 9.72 10.36 7.35
Net Assets/Net Worth 4.87 5.22 4.9 5.63 9.28
ROE(%) 5.42 10.16 13.43 15.79 13.16
http://www.capitaline.com

Decrease in Profit Margin indicates lesser profit by the bank out of its revenues
1. Profit Margin
Constant Asset turnover over the years means constant efficiency of asset use
2. Asset Turnover
Less financial leverage over the years
Bank is relying less on debt to finance its assets
3. Equity Multiplier
Decrease Majorly due to Decrease in profit margin as well as asset turnover
ROE
Dupont analysis