Balance Sheet of Canara Bank

A STUDY ON THE FIVE YEARS BALANCES SHEET AND RATIO ANALYSIS OF
CANARA BANK, STATE BANK OF TRAVANCORE, FEDERAL BANK,

DHANALAXMI BANK, IO BANK.
A mini Project report submitted to
SRM UNIVERSITY
For the partial fulfillment of the requirements for the degree of
MASTER OF BUSINESS ADMINISTRATION

BY
Sonia Jacob
3511210455
Under the Supervision of
Mr.L.BALAJI
Asst.Professor
Dept. of Business Administration

Faculty of Engineering and Technology
Kattankulathur-603203
SEPT - DEC 2012
BANKING IN INDIA
Banking in India originated in the last decades of the 18th century. The first
banks were The General Bank of India, which started in 1786, and Bank of
Hindustan, which started in 1770; both are now defunct. The oldest bank in
existence in India is the State Bank of India, which originated in the Bank of
Calcutta in June 1806, which almost immediately became the Bank of Bengal. This
was one of the three presidency banks, the other two being the Bank of Bombay and
the Bank of Madras, all three of which were established under charters from the
British East India Company. For many years the Presidency banks acted as quasicentral banks, as did their successors. The three banks merged in 1921 to form
the Imperial Bank of India, which, upon India's independence, became the State
Bank of India in 1955.
Structure of the organised banking sector in India.Number of banks are in brackets.
1.CANARA BANK
Balance Sheet of Canara Bank
Mar '12
12 mths
Capital and Liabilities:
Total Share Capital
Equity Share Capital
Share Application Money
Preference Share Capital
Reserves
Revaluation Reserves
Net Worth
Deposits
Borrowings
Total Debt
Other Liabilities &
Provisions
Total Liabilities
------------------- in Rs. Cr. ------------------Mar '11

Mar '10
Mar '09 Mar '08
12 mths
12 mths
12 mths 12 mths
443.00
443.00
410.00
410.00
410.00
443.00
443.00
410.00
410.00
410.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
20,181.82 17,498.46 12,129.11
9,629.61 7,885.63
2,065.14
2,098.36
2,132.68
2,168.16 2,204.86
22,689.96 20,039.82 14,671.79 12,207.77 10,500.49
327,053.73 293,972.65 234,651.44 186,892.51154,072.42
15,525.39 14,261.65
8,440.56
7,056.61 2,517.23
342,579.12 308,234.30 243,092.00 193,949.12156,589.65
8,891.12
7,804.64
6,977.30
13,488.91 13,438.55
374,160.20 336,078.76 264,741.09 219,645.80180,528.69
Mar '12
12 mths
Mar '11
12 mths
Mar '10
12 mths
17,795.14
22,014.79
15,719.46
10,384.27
8,693.32
3,933.75
Mar '09
12 mths
Mar '08
12 mths
Assets
Cash & Balances with RBI
Balance with Banks, Money
at Call
Advances
Investments
Gross Block
Accumulated Depreciation
Net Block
Capital Work In Progress
Other Assets
Total Assets
232,489.82 212,467.17 169,334.63 138,219.40107,238.04

102,057.43 83,699.92 69,676.95 57,776.90 49,811.57
4,858.37
4,686.15
4,480.37
4,440.07 4,254.33
2,000.84
1,841.74
1,620.99
1,510.61 1,337.46
2,857.53
2,844.41
2,859.38
2,929.46 2,916.87
0.00
0.00
0.00
0.00
0.00
8,576.01
6,359.15
3,216.92
4,060.26 2,684.17
374,160.20 336,078.76 264,741.09 219,645.80180,528.69
Contingent Liabilities
Bills for collection
Book Value (Rs)
166,419.96 111,805.73 110,627.02 136,851.39 95,710.87

36,132.91 29,041.74 21,206.47 25,757.73 25,299.63
465.57
405.00
305.83
244.87
202.33
10,036.79 13,364.79
6,622.99
4,513.25
FINANCIAL RATIOS OF CANARA BANK

Key Financial Ratios of Canara Bank
Mar'12
Investment Valuation Ratios
Face Value
Dividend Per Share
Operating Profit Per Share (Rs)
Net Operating Profit Per Share (Rs)
Free Reserves Per Share (Rs)
Bonus in Equity Capital
Profitability Ratios
Interest Spread
Adjusted Cash Margin(%)
Net Profit Margin
Return on Long Term Fund(%)
Return on Net Worth(%)
Adjusted Return on Net Worth(%)
Return on Assets Excluding
Revaluations
Return on Assets Including
Revaluations
Management Efficiency Ratios
Interest Income / Total Funds
Net Interest Income / Total Funds
Non Interest Income / Total Funds
Interest Expended / Total Funds
Operating Expense / Total Funds
Profit Before Provisions / Total
Funds
Net Profit / Total Funds
Loans Turnover
Total Income / Capital Employed(%)
Interest Expended / Capital
Employed(%)
Total Assets Turnover Ratios
Asset Turnover Ratio
Profit And Loss Account Ratios
Interest Expended / Interest Earned
Other Income / Total Income
Mar '11
Mar '10
Mar '09 Mar '08
10.00
11.00
76.06
730.06
229.02
--
10.00
11.00
89.40
552.37
202.26
--
10.00
10.00
73.99
508.62
129.43
--
10.00
8.00
47.02
441.97
108.33
--
10.00
8.00
33.29
378.64
103.94
--
3.80
10.22
9.76
132.08
15.91
15.91
3.47
16.23
15.65
112.95
22.43
22.43
3.32
14.46
13.77
134.69
24.09
24.07
3.47
11.80
10.89
149.13
20.64
20.63
3.47
10.65
9.61
151.48
18.86
18.85
465.57
405.00
305.83
244.87
202.33
512.19
452.37
357.85
297.75
256.11
9.16
2.60
0.36
6.56
1.65
8.20
3.09
0.42
5.11
1.77
8.69
3.24
0.45
5.45
1.98
9.16
2.89
0.46
6.27
1.92
9.08
2.84
0.44
6.23
2.04
1.27
1.70
1.65
1.34
1.14
0.93
0.15
9.52
1.35
0.13
8.62
1.26
0.14
9.14
1.05
0.15
9.61
0.92
0.15
9.52
6.56
5.11
5.45
6.27
6.23
0.09
0.09
0.08
5.22
0.09
4.65
0.09
4.08
0.09
3.65
75.08
3.81
66.08
4.87
69.71
4.93
72.44
4.74
75.09
4.61
Operating Expense / Total Income

Selling Distribution Cost
Composition
Balance Sheet Ratios
Capital Adequacy Ratio
Advances / Loans Funds(%)
Debt Coverage Ratios
Credit Deposit Ratio
Investment Deposit Ratio
Cash Deposit Ratio
Total Debt to Owners Fund
Financial Charges Coverage Ratio
Post Tax
Leverage Ratios
Current Ratio
Quick Ratio
Cash Flow Indicator Ratios
Dividend Payout Ratio Net Profit
Dividend Payout Ratio Cash Profit
Earning Retention Ratio
Cash Earning Retention Ratio
AdjustedCash Flow Times
Earnings Per Share

Book Value
17.28
20.48
21.65
19.93
21.48
0.08
0.09
0.09
0.13
0.29
13.76
71.45
15.38
77.07
13.43
77.49
14.10
78.86
13.25
71.36
71.65
29.91
6.41
15.86
0.20
72.23
29.01
7.14
16.39
0.34
72.96
30.24
6.11
18.71
1.31
71.99
31.55
6.86
18.62
1.23
69.40
32.06
7.58
18.57
0.20
1.15
1.27
1.24
1.18
1.16
0.03
29.11
0.02
30.86
0.01
26.98
0.02
11.29
0.02
9.17
17.28
16.49
82.72
83.51
95.11
14.09
13.58
85.91
86.42
70.38
15.88
15.11
84.10
84.88
73.93
18.51
17.08
81.48
82.91
83.24
24.53
22.13
75.45
77.86
88.86
Mar
'12
Mar '11
Mar '10
74.10
465.57
90.88
405.00
73.69
305.83
Mar '09 Mar '08

50.55
244.87
38.17
202.33
2.FEDERAL BANK
Mar '12
------------------- in Rs. Cr. ------------------Mar '11

Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
171.05
171.05
0.00
0.00
5,529.87
5.41
5,706.33
48,937.12
4,241.03
53,178.15
1,742.29
60,626.77
Mar '12
171.05
171.05
0.00
0.00
4,931.98
5.63
5,108.66
43,014.78
1,888.36
44,903.14
1,444.56
51,456.36
Mar '11
171.03
171.03
0.00
0.00
4,513.55
5.86
4,690.44
36,057.95
1,546.76
37,604.71
1,380.45
43,675.60
Mar '10
171.03
171.03
0.00
0.00
4,148.74
6.11
4,325.88
32,198.19
748.94
32,947.13
1,577.86
38,850.87
Mar '09
171.03
171.03
0.00
0.00
3,748.30
6.36
3,925.69
25,913.36
791.95
26,705.31
1,875.45
32,506.45
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
Assets
Balance with Banks, Money at Call
Advances
Investments
Gross Block
Net Block
Other Assets
Total Assets
2,424.15
1,108.40
37,755.99
17,402.49
691.31
365.17
326.14
0.00
1,609.61
60,626.78
2,935.05
813.25
31,953.23
14,537.68
606.23
316.41
289.82
0.00
927.34
51,456.37
2,318.88
404.51
26,950.11
13,054.65
559.26
269.49
289.77
0.00
657.69
43,675.61
2,214.40
1,222.70
22,391.88
12,118.97
516.40
235.62
280.78
0.00
622.15
38,850.88
2,355.69
389.79
18,904.66
10,026.59
434.75
201.91
232.84
0.00
596.87
32,506.44
Book Value (Rs)
34,660.92
2,377.80
333.29
20,550.48
2,474.80
298.34
8,424.89
2,160.83
273.90
6,239.48
2,137.62
252.57
5,632.10
8,500.40
229.16
Balance Sheet of Federal Bank

Total Share Capital
Reserves
Net Worth
Deposits
Borrowings
Total Debt
Other Liabilities & Provisions
Total Liabilities
FINANCIAL RATIOS OF FEDERAL BANK

Key Financial Ratios of Federal Bank
Mar
'12
Face Value
10.00
Dividend Per Share
9.00
69.99
Net Operating Profit Per Share (Rs) 347.65
227.59
25.56
Interest Spread
5.04
13.75
Net Profit Margin
12.82
82.22
13.62
13.62
333.29
Revaluations
333.61
Revaluations
10.61
4.18
0.19
6.43
2.04
Profit Before Provisions / Total Funds 2.23
1.39
Loans Turnover
0.17
Total Income / Capital Employed(%) 10.81
6.43
Employed(%)
0.11
0.11
Interest Expended / Interest Earned 64.86
1.80
Mar '11
Mar '10
Mar '09
Mar '08
10.00
8.50
40.09
249.16
205.97
25.56
10.00
5.00
42.74
235.82
192.25
25.57
10.00
5.00
38.41
206.51
180.00
25.57
10.00
4.00
23.99
157.25
168.04
25.57
5.12
14.06
12.88
62.87
11.50
11.49
5.21
11.95
10.79
65.91
9.91
9.90
6.31
14.25
13.14
65.47
11.58
11.57
4.79
13.80
12.78
55.12
9.39
9.39
298.34
273.90
252.57
229.16
298.67
274.24
252.93
229.53
8.96
4.11
0.62
4.85
2.67
1.95
1.23
0.14
9.58
9.78
4.29
0.65
5.48
2.52
2.30
1.13
0.16
10.43
9.90
4.29
0.77
5.61
2.45
2.49
1.40
0.17
10.67
9.34
3.62
0.66
5.72
2.19
1.98
1.28
0.16
10.00
4.85
5.48
5.61
5.72
0.09
7.03
0.10
7.21
0.10
6.84
0.09
6.19
56.90
6.48
61.59
6.24
60.32
7.23
65.49
6.58

Selling Distribution Cost Composition
Cash Deposit Ratio
Post Tax
Leverage Ratios
Current Ratio
Quick Ratio
Earnings Per Share

Book Value
18.90
0.26
27.88
0.42
24.17
0.25
22.99
0.23
21.94
0.28
16.64
76.99
16.79
77.46
18.36
76.40
20.22
75.07
22.46
77.07
75.81
34.74
5.83
8.58
0.36
74.49
34.89
6.64
8.43
0.43
72.29
36.88
6.64
7.70
0.44
71.06
38.11
7.86
7.45
0.47
71.17
35.92
7.55
6.61
0.36
1.23
1.28
1.23
1.27
1.24
0.03
23.99
0.02
24.79
0.02
21.68
0.02
15.99
0.02
11.65
23.03
21.46
76.96
78.53
58.74
28.78
26.34
71.21
73.64
67.10
21.46
19.37
78.52
80.62
70.11
19.99
18.41
79.99
81.57
59.32
21.74
20.14
78.26
79.86
65.22
Mar
'12
Mar '11
Mar '10
Mar '09
Mar '08
45.41
333.29
34.32
298.34
27.16
273.90
29.26
252.57
21.52
229.16
3.DHANLAXMI BANK
Balance Sheet of Dhanlaxmi Bank
Mar '12
------------------- in Rs. Cr. ------------------Mar '11

Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
85.14
85.14
0.00
0.00
643.11
0.00
728.25
11,804.41
1,721.51
13,525.92
422.32
14,676.49
Mar '12
12 mths
85.14
85.14
0.00
0.00
759.50
0.00
844.64
12,529.63
626.11
13,155.74
267.77
14,268.15
Mar '11
12 mths
64.12
64.12
0.00
0.00
375.96
0.00
440.08
7,098.48
120.55
7,219.03
427.78
8,086.89
Mar '10
12 mths
64.12
64.12
0.00
0.00
360.36
0.00
424.48
4,968.81
0.00
4,968.81
249.53
5,642.82
Mar '09
12 mths
32.06
32.06
0.00
0.00
140.18
0.00
172.24
3,608.42
4.00
3,612.42
248.33
4,032.99
Mar '08
12 mths
Assets
867.95
58.12
Advances
8,758.05
Investments
4,360.16
Gross Block
250.67
111.27
Net Block
139.40
9.29
Other Assets
483.52
Total Assets
14,676.49
802.80
132.36
9,065.15
3,639.68
209.23
84.23
125.00
9.36
493.81
14,268.16
612.90
137.43
5,006.26
2,027.79
134.87
74.23
60.64
18.82
223.04
8,086.88
394.99
291.07
3,196.06
1,567.36
109.93
63.72
46.21
0.00
147.13
5,642.82
354.07
338.37
2,102.03
1,075.06
102.79
55.71
47.08
0.00
116.38
4,032.99
3,192.27
239.23
99.21
519.32
93.45
68.64
208.99
94.24
66.21
261.02
101.94
53.73

Total Share Capital
Reserves
Net Worth
Deposits
Borrowings
Total Debt
Total Liabilities
Book Value (Rs)
2,593.34
481.61
85.54
FINANCIAL RATIOS OF DHANLAXMI BANK

Key Financial Ratios of Dhanlaxmi Bank

Face Value
Dividend Per Share
Interest Spread
Net Profit Margin
Revaluations
Revaluations
Profit Before Provisions / Total Funds
Loans Turnover
Employed(%)
Mar
'12
Mar '11
Mar '10
Mar '09
Mar '08
10.00
--23.33
166.24
61.77
--
10.00
0.50
-6.16
108.54
75.95
--
10.00
1.00
-2.80
87.51
42.54
--
10.00
1.00
5.66
67.16
42.43
--
10.00
2.00
8.76
102.26
23.11
--
4.20
-5.70
-7.56
141.36
-15.87
-16.02
4.03
3.93
2.49
80.56
3.08
3.02
3.26
5.27
3.73
95.83
5.29
5.13
5.10
13.26
11.76
86.38
13.53
13.49
6.79
11.50
8.07
146.42
16.52
16.52
85.54
99.21
68.64
66.21
53.73
85.54
99.21
68.64
66.21
53.73
9.78
1.86
0.78
7.92
3.23
-0.79
-0.80
0.16
10.56
8.27
2.53
1.09
5.74
3.00
0.48
0.23
0.13
9.36
8.17
2.43
0.92
5.74
2.69
0.51
0.34
0.14
9.09
8.90
2.97
1.20
5.93
2.22
1.79
1.19
0.16
10.10
8.76
3.06
0.66
5.71
2.31
1.08
0.87
0.17
9.42
7.92
5.74
5.74
5.93
5.71
0.10
0.10
0.08
4.42
0.08
4.16
0.09
3.92
0.09
3.19
82.24
7.41
30.60
70.75
11.68
32.04
73.71
10.11
29.64
70.22
11.85
22.01
67.08
6.97
24.48

Cash Deposit Ratio
Financial Charges Coverage Ratio Post
Tax
Leverage Ratios
Current Ratio
Quick Ratio
Earnings Per Share

Book Value
0.76
0.65
0.10
0.16
0.10
9.49
65.65
12.47
88.98
12.99
82.15
15.38
74.49
9.21
62.70
73.24
32.88
6.87
16.21
-0.07
71.69
28.87
7.21
14.83
0.11
67.97
29.79
8.35
16.13
1.11
61.77
30.81
8.73
11.71
1.33
58.86
28.97
9.03
20.95
1.25
0.92
1.06
1.09
1.23
1.19
0.04
23.94
0.04
38.70
0.03
13.66
0.03
14.98
0.03
10.36
------
19.10
11.95
80.50
87.90
304.61
32.18
22.31
66.80
77.20
215.78
13.05
11.54
86.91
88.43
76.66
26.35
18.50
73.65
81.50
89.01
Mar
'12
Mar '11
Mar '10
Mar '09
Mar '08
-13.58
85.54
3.06
99.21
3.63
68.64
8.96
66.21
10.13
53.73
4.STATE BANK OF TRAVANCORE

Balance Sheet of State Bank of
Travancore
------------------- in Rs. Cr. ------------------Mar '12
Mar '11
Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
Total Share Capital
50.00
50.00
50.00
50.00
50.00
50.00
50.00
50.00
50.00
50.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3,816.16
3,413.55
2,790.58
2,199.90
1,668.11
0.00
0.00
0.00
0.00
0.00
3,866.16
3,463.55
2,840.58
2,249.90
1,718.11
71,469.83
58,157.92
50,883.39
42,041.92
35,353.89
Borrowings
7,607.32
5,726.50
3,250.15
807.76
2,849.29
Total Debt
79,077.15
63,884.42
54,133.54
42,849.68
38,203.18
3,006.04
3,628.78
2,480.59
4,360.93
4,183.27
85,949.35
70,976.75
59,454.71
49,460.51
44,104.56
Mar '12
Mar '11
Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
4,776.65
4,709.57
3,468.04
2,328.73
3,274.85
1,040.02
142.97
665.12
125.93
412.65
Advances
55,345.95
46,044.23
38,461.26
32,710.93
28,136.62
Investments
22,437.58
17,926.99
15,844.39
13,231.71
11,352.95
Gross Block
685.23
624.70
570.05
500.85
467.79
441.96
403.33
367.23
329.26
301.58
Net Block
243.27
221.37
202.82
171.59
166.21
0.00
0.00
0.00
0.00
0.00
Other Assets
2,105.86
1,931.62
813.07
891.63
761.28
Total Assets
85,949.33
70,976.75
59,454.70
49,460.52
44,104.56
17,663.40
15,092.28
9,836.81
12,396.35
15,389.36
8,458.69
5,924.55
5,167.77
3,823.14
3,288.99
773.23
692.71
568.12
449.98
3,436.22
Reserves
Net Worth
Deposits

Total Liabilities
Assets

Book Value (Rs)
FINANCIAL RATIOS OF STATE BANK OF TRAVANCORE

Key Financial Ratios of State Bank of
Travancore
Mar '12
Face Value
10.00
Dividend Per Share
18.00
158.15
Net Operating Profit Per Share (Rs) 1,477.94
443.01
-Profitability Ratios
Interest Spread
4.35
7.52
Net Profit Margin
6.84
148.64
13.20
13.22
773.23
Revaluations
773.23
Revaluations
9.42
3.05
0.09
6.37
2.04
Profit Before Provisions / Total Funds
1.04
0.65
Loans Turnover
0.15
9.51
6.37
Employed(%)
0.09
0.10
73.20
0.97
Mar '11
Mar '10
Mar '09
Mar '08
10.00
18.00
179.46
1,145.98
400.33
--
10.00
16.00
195.63
973.22
321.98
--
10.00
13.00
188.35
918.99
28.75
--
100.00
100.00
1,162.67
7,604.26
287.81
--
3.95
13.35
12.53
128.69
21.01
21.02
3.98
14.75
13.89
136.06
24.08
24.08
3.98
13.93
13.04
164.09
27.01
27.02
3.68
11.33
10.08
180.68
22.47
22.46
692.71
568.12
449.98
3,436.22
692.71
568.12
449.98
3,436.22
8.79
3.37
0.11
5.42
1.99
1.42
1.12
0.14
8.90
8.94
3.47
0.11
5.47
1.67
1.83
1.26
0.14
9.05
9.82
3.75
0.14
6.07
1.74
2.07
1.30
0.15
9.96
9.26
3.23
0.06
6.03
1.81
1.36
0.94
0.14
9.33
5.42
5.47
6.07
6.03
0.09
9.17
0.09
8.54
0.10
9.17
0.09
8.13
67.56
1.27
68.02
1.22
68.89
1.42
72.12
0.69

21.45
0.09
11.18
77.43
78.21
31.14
Cash Deposit Ratio
7.32
18.49
0.17
Financial Charges Coverage Ratio Post
1.11
Tax
Leverage Ratios
Current Ratio
0.03
Quick Ratio
20.70
20.49
18.65
79.55
81.38
127.28
22.40
0.13
18.47
0.17
17.43
0.08
19.43
0.06
10.82
78.02
11.89
79.05
12.13
80.23
12.68
79.16
77.37
30.97
7.50
16.79
0.27
76.24
31.29
6.24
17.91
0.35
78.36
31.76
7.24
18.69
1.35
79.78
31.53
8.65
20.58
1.25
1.22
1.24
1.23
1.18
0.03
14.52
0.02
17.23
0.02
8.24
0.02
7.69
14.39
13.52
85.62
86.49
75.04
13.67
12.87
86.32
87.13
70.00
12.51
11.71
87.50
88.29
64.74
15.15
13.46
84.85
86.53
81.43
Mar '12
Mar '11
Mar '10
Mar '09
Mar '08
102.09
773.23
145.55
692.71
136.85
568.12
121.57
449.98
772.22
3,436.22
Earnings Per Share

Book Value
5.INDIAN OVERSEAS BANK

Mar '12
------------------- in Rs. Cr. ------------------Mar '11

Mar '10
Mar '09
Mar '08
12 mths
12 mths
Balance Sheet of Indian Overseas Bank

Total Share Capital
Reserves
Net Worth
Deposits
Borrowings
Total Debt
Total Liabilities
Assets
Advances
Investments
Gross Block
Net Block
Other Assets
Total Assets
Book Value (Rs)
12 mths
12 mths
12 mths
797.00
797.00
0.00
0.00
9,989.40
1,141.26
11,927.66
178,434.18
23,613.85
202,048.03
5,672.50
219,648.19
Mar '12
12 mths
618.75
544.80
544.80
544.80
618.75
544.80
544.80
544.80
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
7,546.19
5,804.18
5,396.59
4,197.90
1,159.99
1,175.60
1,209.57
113.97
9,324.93
7,524.58
7,150.96
4,856.67
145,228.75 110,794.71 100,115.89 84,325.58
19,355.40
8,982.20
6,548.28
6,353.65
164,584.15 119,776.91 106,664.17 90,679.23
4,875.19
3,794.90
7,258.26
6,323.84
178,784.27 131,096.39 121,073.39 101,859.74
Mar '11
Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
10,198.91
6,062.19
140,724.44
55,565.88
2,699.76
970.66
1,729.10
14.95
5,352.70
219,648.17
10,010.89
7,666.45
5,940.44
9,124.23
2,007.76
2,158.19
4,981.46
1,217.09
111,832.98 79,003.93 74,885.27 60,423.84
48,610.45 37,650.56 31,215.44 28,474.71
2,535.57
2,460.53
2,352.74
1,102.80
859.36
768.63
655.95
569.11
1,676.21
1,691.90
1,696.79
533.69
4.90
7.67
13.07
24.88
4,641.08
2,917.70
2,340.93
2,061.29
178,784.27 131,096.40 121,073.40 101,859.73
42,601.94 33,490.63
24,927.12 15,838.45
135.34
131.96
31,288.74
11,252.80
116.54
31,016.27
10,839.82
109.06
24,173.83
10,215.01
87.05
FINANCIAL RATIOS OF INDIAN OVERSEAS BANK

Key Financial Ratios of Indian
Overseas Bank
Mar
'12
Face Value
Dividend Per Share
10.00
4.50
19.87
238.2
2
67.77
-Profitability Ratios
Interest Spread
3.93
5.97
Net Profit Margin
5.41
131.4
2
9.73
9.71
135.3
Revaluations
4
149.6
Revaluations
6
9.59
3.08
0.21
6.50
2.28
Profit Before Provisions / Total
0.95
Funds
0.53
Loans Turnover
0.15
Total Income / Capital Employed(%) 9.80
6.50
Employed(%)
Mar '11
Mar '10
Mar '09
Mar '08
10.00
5.00
25.98
10.00
3.50
17.57
10.00
4.50
35.48
10.00
3.50
28.16
210.13
207.58
200.27
153.43
60.38
--
45.21
--
42.83
--
42.79
--
3.89
8.82
8.04
4.69
7.10
6.14
4.29
12.16
11.87
4.26
14.79
13.94
116.16
126.87
145.71
146.37
13.13
13.12
11.13
11.10
22.31
21.16
25.35
25.31
131.96
116.54
109.06
87.05
150.71
138.12
131.26
89.15
8.46
3.32
0.21
5.13
2.28
9.06
3.39
0.16
5.67
2.62
9.85
3.74
0.23
6.11
1.99
9.09
3.34
0.29
5.75
1.67
1.19
0.84
1.89
1.88
0.70
0.14
8.67
0.57
0.15
9.21
1.20
0.16
10.08
1.31
0.16
9.38
5.13
5.67
6.11
5.75

Selling Distribution Cost
Composition
Cash Deposit Ratio
Post Tax
Leverage Ratios
Current Ratio
Quick Ratio
0.10
0.10
0.08
5.13
0.09
4.60
0.10
4.64
0.09
7.58
71.97
2.15
23.31
65.23
2.42
26.28
69.08
1.72
28.45
70.24
2.30
19.76
66.37
3.08
17.81
0.20
0.17
0.31
0.24
0.14
13.32
76.77
14.55
78.66
14.26
69.78
12.70
75.89
11.96
74.45
78.03
32.19
6.24
16.54
0.16
74.54
33.69
6.90
17.79
0.24
72.96
32.65
6.45
17.45
0.16
73.36
32.36
8.17
16.85
0.32
70.22
34.27
9.02
17.78
0.34
1.09
1.15
1.12
1.21
1.24
0.03
27.55
0.03
25.94
0.03
23.61
0.02
11.46
0.02
11.32
39.69
35.89
60.22
64.03
154.0
0
33.52
30.53
66.45
69.44
31.55
27.24
68.38
72.70
21.63
20.10
77.19
78.89
16.96
15.96
83.02
84.02
123.44
135.59
73.71
66.09
Mar '11
Mar '10
Mar '09
Mar '08
17.33
12.98
24.34
22.07
131.96
116.54
109.06
87.05
Mar
'12
Earnings Per Share
Book Value
13.18
135.3
4

Balance Sheet of Canara Bank

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Balance Sheet of Canara Bank

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A STUDY ON THE FIVE YEARS BALANCES SHEET AND RATIO ANALYSIS OF

CANARA BANK, STATE BANK OF TRAVANCORE, FEDERAL BANK,

A mini Project report submitted to

For the partial fulfillment of the requirements for the degree of

MASTER OF BUSINESS ADMINISTRATION

Dept. of Business Administration

SEPT - DEC 2012

Structure of the organised banking sector in India.Number of banks are in brackets.

------------------- in Rs. Cr. ------------------Mar '11

374,160.20 336,078.76 264,741.09 219,645.80180,528.69

232,489.82 212,467.17 169,334.63 138,219.40107,238.04

166,419.96 111,805.73 110,627.02 136,851.39 95,710.87

FINANCIAL RATIOS OF CANARA BANK

Mar '09 Mar '08

Operating Expense / Total Income

Earnings Per Share

Mar '09 Mar '08

------------------- in Rs. Cr. ------------------Mar '11

Balance Sheet of Federal Bank

Capital and Liabilities:

FINANCIAL RATIOS OF FEDERAL BANK

Operating Expense / Total Income

Earnings Per Share

------------------- in Rs. Cr. ------------------Mar '11

Capital and Liabilities:

FINANCIAL RATIOS OF DHANLAXMI BANK

Investment Valuation Ratios

Selling Distribution Cost Composition

Earnings Per Share

4.STATE BANK OF TRAVANCORE

------------------- in Rs. Cr. ------------------Mar '12

Total Share Capital

Equity Share Capital

Share Application Money

Preference Share Capital

Cash & Balances with RBI

Balance with Banks, Money at Call

Capital and Liabilities:

Other Liabilities & Provisions

Capital Work In Progress

Bills for collection

FINANCIAL RATIOS OF STATE BANK OF TRAVANCORE

Operating Expense / Total Income

Earnings Per Share

5.INDIAN OVERSEAS BANK

------------------- in Rs. Cr. ------------------Mar '11

Balance Sheet of Indian Overseas Bank

Capital and Liabilities:

FINANCIAL RATIOS OF INDIAN OVERSEAS BANK

Total Assets Turnover Ratios

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