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Interest Income
Interest Advances
Income on Investments
Interest on balances with RBI
Others
FY06
11,883
8,356
3,110
142
275
FY07
15,003
10,446
3,919
309
328
Interest Expenses
Interest on Deposits
Interest on Borrowings from RBI
Others
(8,732)
(7,778)
(499)
(455)
(12,288)
(10,599)
(839)
(851)
3,151
2,714
Other Income
Commission & other fee income
Profit/Loss on sale of investments
Profit on exchange transactions
Others
1,888
405
133
105
1,245
2,441
687
187
187
1,381
Net Income
5,039
5,155
Operating Expenses
Employee cost
Others
(3,166)
(848)
(2,318)
(3,440)
(963)
(2,477)
Pre-provision Profits
1,873
1,716
Proivisions
NPA provision
Provision for standard asset
Provision for depreciation on investments
Other provisions
(1,281)
(903)
(131)
(76)
(171)
(642)
(559)
(98)
(23)
38
PBT
592
1,074
Tax
(224)
(392)
PAT
368
672
290
290
EPS
Dividends
Dividends - Tax
Dividends Tax rate
DPS
Dividend Payout
Balance Sheet
Sources of Funds
Networth
Capital
Reserves and Surplus
Revaluation Reserves/minority interest
Other Reserves
Networth after minority interest
Adjusted Netwoth after Net NPA
Deposits
Demand Deposits
Savings Bank Deposits
Term Deposits
Borrowings
Borrowings in India
Borrowings outside India
Total Interest-bearing liabilities
Other liabilities & provisions
Total liabilities
Application of Funds
1.27
2.31
(192)
(33)
17.0%
0.7
28.5%
FY06
FY07
8,661
2,905
5,755
5,755
8,661
6,711
10,568
3,200
7,368
7,368
10,568
7,830
150,063
12,014
7,292
130,757
176,448
17,113
9,214
150,121
5,349
2,221
3,129
5,925
4,037
1,889
155,413
182,373
12,152
16,330
176,225
209,271
FY06
6,041
FY07
10,212
Inter-bank borrowings
8,764
15,742
Investments
Investments in India
Investments outside India
54,099
54,099
-
58,917
58,917
-
93,105
110,842
162,009
195,713
Fixed Assets
3,396
3,696
Other Assets
10,821
9,863
Total Assets
Check
176,225
-
209,271
-
Contingent Liabilities
Bills for Collection
168,365
17,587
207,617
14,614
Averages
Average
Average
Average
Average
Average
Average
Average
91,551
140,603
152,122
146,331
47,395
8,477
166,223
101,973
163,256
178,861
168,893
56,508
9,614
192,748
Efficiency
Employees
Branches
ATM
Total Business
Business per employee
Business per employee reported
Profit per employee reported
2,365
137
58
243,168
102.8
88.0
0.2
2,613
170
99
287,290
106.6
104.0
0.3
Deposits
Deposits
Credit/Deposits (%)
Bank Deposit to total resources
CASA
CASA (%)
150,063
62.0%
85.2%
19,306
12.9%
176,448
62.8%
84.3%
26,327
14.9%
24,934
2,650
354
65,168
35,221
2,532
190
72,900
Advances - Break-up
Priority Sector
Public Sector
Banks
Others
Investments
Investment/Deposit ratio
Investments/Total assets
36.1%
30.7%
33.4%
28.2%
G-secs
as a % of total investments
Non-SLR Investments
as a % of total investments
45,831
84.7%
8,242
15.2%
48,493
82.3%
10,371
17.6%
Investments-Break up
Investments in India
Government Securities
Other Approved Securities
Shares
Debentures and Bonds
Subsidiaries/Joint Ventures
Others (Mutual funds and RIDF Deposits)
45,831
26
132
1,457
5
6,648
48,493
52
214
503
5
9,649
16,130
3,199
12,931
2,328
(292)
2,620
20,656
4,532
16,124
2,207
(142)
2,348
43,153
10,946
54,099
46,236
12,186
495
58,917
79.77%
20.23%
0.00%
100.00%
78.48%
20.68%
0.84%
100.00%
58.10
45.81
29.83
45.20
19.53
33.01
P/BV
Adj BV/share
Adj BV/share-Reported
P/Adj BV
Dividend Yield (%)
1.95
23.12
23.12
2.51
0.0%
1.37
24.46
24.46
1.85
1.5%
FY08
19,202
14,253
4,430
219
299
FY09
23,095
17,933
4,832
158
172
FY10E
29,297
22,847
6,079
200
172
(15,799)
(14,012)
(558)
(1,229)
(18,504)
(16,871)
-
(22,820)
(20,770)
(600)
(1,450)
3,404
4,590
6,477
2,580
848
194
289
1,248
4,563
1,391
1,216
719
1,237
6,616
5,984
9,153
13,093
(4,022)
(1219)
(2,803)
(5,470)
(1,871)
(3,599)
(7,332)
(2,433)
(4,899)
1,962
3,683
5,761
(1,408)
(1,253)
(69)
31
(117)
(1,800)
2,275
3,961
(819)
(609)
(75)
(36)
(99)
1,143
(392)
(792)
(1,800)
(1,386)
750
1,483
2,575
320
355
355
2.35
4.18
7.25
(192)
(33)
17.0%
0.6
25.6%
(426)
(72)
17.0%
1.2
28.7%
(639)
(109)
17.0%
1.8
24.8%
FY08
FY09
FY10E
13,497
3,200
10,297
2,403
7,894
11,094
8,184
16,644
3,552
13,092
2,356
10,736
14,288
12,498
18,470
3,552
14,918
2,356
12,562
16,114
14,136
190,374
18,019
11,864
160,491
221,103
29,550
12,999
178,553
250,951
10,954
6,464
4,490
18,565
-
24,134
201,329
239,667
275,085
17,793
19,836
31,873
232,619
276,147
325,429
FY08
15,263
FY09
11,908
FY10E
15,057
6,518
7,329
7,329
66,297
66,297
-
80,834
-
92,852
127,953
157,706
188,459
216,030
257,777
303,697
6,251
6,232
7,167
10,337
12,138
14,565
232,619
-
276,147
-
325,429
-
309,819
17,612
443,000
119,398
183,411
205,871
191,851
62,607
12,033
220,945
142,830
205,738
236,904
220,498
73,566
15,071
254,383
2,869
180
336
318,327
110.5
106.3
0.3
4,251
180
356
378,809
97.9
-
190,374
67.2%
81.8%
29,883
15.7%
221,103
71.3%
80.1%
42,549
19.2%
50,055
1,386
49
76,463
34.8%
28.5%
173,083
236,027
280,737
257,376
86,843
17,557
300,788
250,951
75.1%
77.1%
36.6%
29.3%
37.0%
28.5%
54,357
82.0%
11,902
18.0%
54,940
68.0%
17,853
22.1%
54,357
38
391
402
5
11,105
54,940
8,042
362
143
781
16,567
28,003
4,911
10,407
12,441
244
2,473
(867)
602
2,717
22
33,325
6,894
11,224
14,982
225
4,124
725
910
2,453
37
57,863
6,650
1,784
66,297
71,565
9,269
80,834
87.28%
10.03%
2.69%
100.00%
88.53%
11.47%
0.00%
100.00%
71.70
30.55
34.69
52.65
12.61
40.23
59.00
8.14
45.37
2.07
25.59
25.59
2.80
0.8%
1.31
35.19
35.20
1.50
2.3%
1.30
39.80
1.48
3.1%