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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

http://www.google.co.in/imgres?q=images+of+srm+university&hl=en&biw=1024&bih=624&tbm=isch&tbnid=YebY9d3C3Ou5OM:&imgrefurl=http://indiaexam.in/srm-university-entrance-exam-2012-online-application-form.html&docid=9qF3ZWIMbpGMWM&imgurl=http://indiaexam.in/wp-content/uploads/2012/01/SRM-University.jpg&w=533&h=303&ei=LykuT6-GLY7JrAeaspjBDA&zoom=1&iact=rc&dur=385&sig=101462917750112797864&page=1&tbnh=94&tbnw=166&start=0&ndsp=15&ved=1t:429,r:2,s:0&tx=104&ty=67

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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 andthe 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 quasi-

central 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.

http://en.wikipedia.org/w/index.php?title=Bank_of_Hindustan&action=edit&redlink=1http://en.wikipedia.org/w/index.php?title=Bank_of_Hindustan&action=edit&redlink=1http://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/Bank_of_Calcuttahttp://en.wikipedia.org/wiki/Bank_of_Calcuttahttp://en.wikipedia.org/wiki/Bank_of_Bengalhttp://en.wikipedia.org/wiki/Bank_of_Bombayhttp://en.wikipedia.org/wiki/Bank_of_Madrashttp://en.wikipedia.org/wiki/Imperial_Bank_of_Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/File:Scheduled_banking_structure_in_India.pnghttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/wiki/Imperial_Bank_of_Indiahttp://en.wikipedia.org/wiki/Bank_of_Madrashttp://en.wikipedia.org/wiki/Bank_of_Bombayhttp://en.wikipedia.org/wiki/Bank_of_Bengalhttp://en.wikipedia.org/wiki/Bank_of_Calcuttahttp://en.wikipedia.org/wiki/Bank_of_Calcuttahttp://en.wikipedia.org/wiki/State_Bank_of_Indiahttp://en.wikipedia.org/w/index.php?title=Bank_of_Hindustan&action=edit&redlink=1http://en.wikipedia.org/w/index.php?title=Bank_of_Hindustan&action=edit&redlink=1

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1.CANARA BANK

Balance Sheet of Canara Bank ------------------- in Rs. Cr. -------------------

Mar '12 Mar '11 Mar '10 Mar '09 Mar '08

12 mths 12 mths 12 mths 12 mths 12 mths

Capital and Liabilities:

Total Share Capital 443.00 443.00 410.00 410.00 410.00

Equity Share Capital 443.00 443.00 410.00 410.00 410.00

Share Application Money 0.00 0.00 0.00 0.00 0.00

Preference Share Capital 0.00 0.00 0.00 0.00 0.00

Reserves 20,181.82 17,498.46 12,129.11 9,629.61 7,885.63

Revaluation Reserves 2,065.14 2,098.36 2,132.68 2,168.16 2,204.86

Net Worth 22,689.96 20,039.82 14,671.79 12,207.77 10,500.49

Deposits 327,053.73 293,972.65 234,651.44 186,892.51154,072.42

Borrowings 15,525.39 14,261.65 8,440.56 7,056.61 2,517.23

Total Debt 342,579.12 308,234.30 243,092.00 193,949.12156,589.65

Other Liabilities &

Provisions8,891.12 7,804.64 6,977.30 13,488.91 13,438.55

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

Mar '12 Mar '11 Mar '10 Mar '09 Mar '08

12 mths 12 mths 12 mths 12 mths 12 mths

Assets

Cash & Balances with RBI 17,795.14 22,014.79 15,719.46 10,036.79 13,364.79

Balance with Banks, Money

at Call10,384.27 8,693.32 3,933.75 6,622.99 4,513.25

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

Investments 102,057.43 83,699.92 69,676.95 57,776.90 49,811.57

Gross Block 4,858.37 4,686.15 4,480.37 4,440.07 4,254.33Accumulated Depreciation 2,000.84 1,841.74 1,620.99 1,510.61 1,337.46

Net Block 2,857.53 2,844.41 2,859.38 2,929.46 2,916.87

Capital Work In Progress 0.00 0.00 0.00 0.00 0.00

Other Assets 8,576.01 6,359.15 3,216.92 4,060.26 2,684.17

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

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

Bills for collection 36,132.91 29,041.74 21,206.47 25,757.73 25,299.63

Book Value (Rs) 465.57 405.00 305.83 244.87 202.33

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FINANCIAL RATIOS OF CANARA BANK

Key Financial Ratios of Canara Bank

Mar'12 Mar '11 Mar '10 Mar '09 Mar '08

Investment Valuation Ratios

Face Value 10.00 10.00 10.00 10.00 10.00

Dividend Per Share 11.00 11.00 10.00 8.00 8.00

Operating Profit Per Share (Rs) 76.06 89.40 73.99 47.02 33.29

Net Operating Profit Per Share (Rs) 730.06 552.37 508.62 441.97 378.64

Free Reserves Per Share (Rs) 229.02 202.26 129.43 108.33 103.94

Bonus in Equity Capital -- -- -- -- --

Profitability Ratios

Interest Spread 3.80 3.47 3.32 3.47 3.47

Adjusted Cash Margin(%) 10.22 16.23 14.46 11.80 10.65

Net Profit Margin 9.76 15.65 13.77 10.89 9.61

Return on Long Term Fund(%) 132.08 112.95 134.69 149.13 151.48

Return on Net Worth(%) 15.91 22.43 24.09 20.64 18.86

Adjusted Return on Net Worth(%) 15.91 22.43 24.07 20.63 18.85

Return on Assets Excluding

Revaluations465.57 405.00 305.83 244.87 202.33

Return on Assets Including

Revaluations 512.19 452.37 357.85 297.75 256.11

Management Efficiency Ratios

Interest Income / Total Funds 9.16 8.20 8.69 9.16 9.08

Net Interest Income / Total Funds 2.60 3.09 3.24 2.89 2.84

Non Interest Income / Total Funds 0.36 0.42 0.45 0.46 0.44

Interest Expended / Total Funds 6.56 5.11 5.45 6.27 6.23

Operating Expense / Total Funds 1.65 1.77 1.98 1.92 2.04

Profit Before Provisions / Total

Funds1.27 1.70 1.65 1.34 1.14

Net Profit / Total Funds 0.93 1.35 1.26 1.05 0.92

Loans Turnover 0.15 0.13 0.14 0.15 0.15

Total Income / Capital Employed(%) 9.52 8.62 9.14 9.61 9.52

Interest Expended / Capital

Employed(%)6.56 5.11 5.45 6.27 6.23

Total Assets Turnover Ratios 0.09 0.08 0.09 0.09 0.09

Asset Turnover Ratio 0.09 5.22 4.65 4.08 3.65

Profit And Loss Account Ratios

Interest Expended / Interest Earned 75.08 66.08 69.71 72.44 75.09Other Income / Total Income 3.81 4.87 4.93 4.74 4.61

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Operating Expense / Total Income 17.28 20.48 21.65 19.93 21.48

Selling Distribution Cost

Composition0.08 0.09 0.09 0.13 0.29

Balance Sheet Ratios

Capital Adequacy Ratio 13.76 15.38 13.43 14.10 13.25Advances / Loans Funds(%) 71.45 77.07 77.49 78.86 71.36

Debt Coverage Ratios

Credit Deposit Ratio 71.65 72.23 72.96 71.99 69.40

Investment Deposit Ratio 29.91 29.01 30.24 31.55 32.06

Cash Deposit Ratio 6.41 7.14 6.11 6.86 7.58

Total Debt to Owners Fund 15.86 16.39 18.71 18.62 18.57

Financial Charges Coverage Ratio 0.20 0.34 1.31 1.23 0.20

Financial Charges Coverage Ratio

Post Tax1.15 1.27 1.24 1.18 1.16

Leverage Ratios

Current Ratio 0.03 0.02 0.01 0.02 0.02

Quick Ratio 29.11 30.86 26.98 11.29 9.17

Cash Flow Indicator Ratios

Dividend Payout Ratio Net Profit 17.28 14.09 15.88 18.51 24.53

Dividend Payout Ratio Cash Profit 16.49 13.58 15.11 17.08 22.13

Earning Retention Ratio 82.72 85.91 84.10 81.48 75.45

Cash Earning Retention Ratio 83.51 86.42 84.88 82.91 77.86

AdjustedCash Flow Times 95.11 70.38 73.93 83.24 88.86

Mar

'12Mar '11 Mar '10 Mar '09 Mar '08

Earnings Per Share 74.10 90.88 73.69 50.55 38.17

Book Value 465.57 405.00 305.83 244.87 202.33

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2.FEDERAL BANK

Balance Sheet of Federal Bank ------------------- in Rs. Cr. -------------------

Mar '12 Mar '11 Mar '10 Mar '09 Mar '0812 mths 12 mths 12 mths 12 mths 12 mths

Capital and Liabilities:

Total Share Capital 171.05 171.05 171.03 171.03 171.03

Equity Share Capital 171.05 171.05 171.03 171.03 171.03

Share Application Money 0.00 0.00 0.00 0.00 0.00

Preference Share Capital 0.00 0.00 0.00 0.00 0.00

Reserves 5,529.87 4,931.98 4,513.55 4,148.74 3,748.30

Revaluation Reserves 5.41 5.63 5.86 6.11 6.36

Net Worth 5,706.33 5,108.66 4,690.44 4,325.88 3,925.69

Deposits 48,937.12 43,014.78 36,057.95 32,198.19 25,913.36

Borrowings 4,241.03 1,888.36 1,546.76 748.94 791.95

Total Debt 53,178.15 44,903.14 37,604.71 32,947.13 26,705.31

Other Liabilities & Provisions 1,742.29 1,444.56 1,380.45 1,577.86 1,875.45

Total Liabilities 60,626.77 51,456.36 43,675.60 38,850.87 32,506.45

Mar '12 Mar '11 Mar '10 Mar '09 Mar '08

12 mths 12 mths 12 mths 12 mths 12 mths

AssetsCash & Balances with RBI 2,424.15 2,935.05 2,318.88 2,214.40 2,355.69

Balance with Banks, Money at Call 1,108.40 813.25 404.51 1,222.70 389.79

Advances 37,755.99 31,953.23 26,950.11 22,391.88 18,904.66

Investments 17,402.49 14,537.68 13,054.65 12,118.97 10,026.59

Gross Block 691.31 606.23 559.26 516.40 434.75

Accumulated Depreciation 365.17 316.41 269.49 235.62 201.91

Net Block 326.14 289.82 289.77 280.78 232.84

Capital Work In Progress 0.00 0.00 0.00 0.00 0.00

Other Assets 1,609.61 927.34 657.69 622.15 596.87

Total Assets 60,626.78 51,456.37 43,675.61 38,850.88 32,506.44

Contingent Liabilities 34,660.92 20,550.48 8,424.89 6,239.48 5,632.10

Bills for collection 2,377.80 2,474.80 2,160.83 2,137.62 8,500.40

Book Value (Rs) 333.29 298.34 273.90 252.57 229.16

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FINANCIAL RATIOS OF FEDERAL BANK

Key Financial Ratios of Federal Bank

Mar

'12Mar '11 Mar '10 Mar '09 Mar '08

Investment Valuation Ratios

Face Value 10.00 10.00 10.00 10.00 10.00

Dividend Per Share 9.00 8.50 5.00 5.00 4.00

Operating Profit Per Share (Rs) 69.99 40.09 42.74 38.41 23.99

Net Operating Profit Per Share (Rs) 347.65 249.16 235.82 206.51 157.25

Free Reserves Per Share (Rs) 227.59 205.97 192.25 180.00 168.04

Bonus in Equity Capital 25.56 25.56 25.57 25.57 25.57

Profitability Ratios

Interest Spread 5.04 5.12 5.21 6.31 4.79

Adjusted Cash Margin(%) 13.75 14.06 11.95 14.25 13.80

Net Profit Margin 12.82 12.88 10.79 13.14 12.78

Return on Long Term Fund(%) 82.22 62.87 65.91 65.47 55.12

Return on Net Worth(%) 13.62 11.50 9.91 11.58 9.39

Adjusted Return on Net Worth(%) 13.62 11.49 9.90 11.57 9.39

Return on Assets Excluding

Revaluations333.29 298.34 273.90 252.57 229.16

Return on Assets Including

Revaluations333.61 298.67 274.24 252.93 229.53

Management Efficiency Ratios

Interest Income / Total Funds 10.61 8.96 9.78 9.90 9.34

Net Interest Income / Total Funds 4.18 4.11 4.29 4.29 3.62

Non Interest Income / Total Funds 0.19 0.62 0.65 0.77 0.66

Interest Expended / Total Funds 6.43 4.85 5.48 5.61 5.72

Operating Expense / Total Funds 2.04 2.67 2.52 2.45 2.19

Profit Before Provisions / Total Funds 2.23 1.95 2.30 2.49 1.98Net Profit / Total Funds 1.39 1.23 1.13 1.40 1.28

Loans Turnover 0.17 0.14 0.16 0.17 0.16

Total Income / Capital Employed(%) 10.81 9.58 10.43 10.67 10.00

Interest Expended / Capital

Employed(%)6.43 4.85 5.48 5.61 5.72

Total Assets Turnover Ratios 0.11 0.09 0.10 0.10 0.09

Asset Turnover Ratio 0.11 7.03 7.21 6.84 6.19

Profit And Loss Account Ratios

Interest Expended / Interest Earned 64.86 56.90 61.59 60.32 65.49Other Income / Total Income 1.80 6.48 6.24 7.23 6.58

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Operating Expense / Total Income 18.90 27.88 24.17 22.99 21.94

Selling Distribution Cost Composition 0.26 0.42 0.25 0.23 0.28

Balance Sheet Ratios

Capital Adequacy Ratio 16.64 16.79 18.36 20.22 22.46

Advances / Loans Funds(%) 76.99 77.46 76.40 75.07 77.07Debt Coverage Ratios

Credit Deposit Ratio 75.81 74.49 72.29 71.06 71.17

Investment Deposit Ratio 34.74 34.89 36.88 38.11 35.92

Cash Deposit Ratio 5.83 6.64 6.64 7.86 7.55

Total Debt to Owners Fund 8.58 8.43 7.70 7.45 6.61

Financial Charges Coverage Ratio 0.36 0.43 0.44 0.47 0.36

Financial Charges Coverage Ratio

Post Tax1.23 1.28 1.23 1.27 1.24

Leverage RatiosCurrent Ratio 0.03 0.02 0.02 0.02 0.02

Quick Ratio 23.99 24.79 21.68 15.99 11.65

Cash Flow Indicator Ratios

Dividend Payout Ratio Net Profit 23.03 28.78 21.46 19.99 21.74

Dividend Payout Ratio Cash Profit 21.46 26.34 19.37 18.41 20.14

Earning Retention Ratio 76.96 71.21 78.52 79.99 78.26

Cash Earning Retention Ratio 78.53 73.64 80.62 81.57 79.86

AdjustedCash Flow Times 58.74 67.10 70.11 59.32 65.22

Mar

'12Mar '11 Mar '10 Mar '09 Mar '08

Earnings Per Share 45.41 34.32 27.16 29.26 21.52

Book Value 333.29 298.34 273.90 252.57 229.16

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3.DHANLAXMI BANK

Balance Sheet of Dhanlaxmi Bank ------------------- in Rs. Cr. -------------------

Mar '12 Mar '11 Mar '10 Mar '09 Mar '0812 mths 12 mths 12 mths 12 mths 12 mths

Capital and Liabilities:

Total Share Capital 85.14 85.14 64.12 64.12 32.06

Equity Share Capital 85.14 85.14 64.12 64.12 32.06

Share Application Money 0.00 0.00 0.00 0.00 0.00

Preference Share Capital 0.00 0.00 0.00 0.00 0.00

Reserves 643.11 759.50 375.96 360.36 140.18

Revaluation Reserves 0.00 0.00 0.00 0.00 0.00

Net Worth 728.25 844.64 440.08 424.48 172.24

Deposits 11,804.41 12,529.63 7,098.48 4,968.81 3,608.42

Borrowings 1,721.51 626.11 120.55 0.00 4.00

Total Debt 13,525.92 13,155.74 7,219.03 4,968.81 3,612.42

Other Liabilities & Provisions 422.32 267.77 427.78 249.53 248.33

Total Liabilities 14,676.49 14,268.15 8,086.89 5,642.82 4,032.99

Mar '12 Mar '11 Mar '10 Mar '09 Mar '08

12 mths 12 mths 12 mths 12 mths 12 mths

Assets

Cash & Balances with RBI 867.95 802.80 612.90 394.99 354.07

Balance with Banks, Money at Call 58.12 132.36 137.43 291.07 338.37

Advances 8,758.05 9,065.15 5,006.26 3,196.06 2,102.03

Investments 4,360.16 3,639.68 2,027.79 1,567.36 1,075.06

Gross Block 250.67 209.23 134.87 109.93 102.79

Accumulated Depreciation 111.27 84.23 74.23 63.72 55.71

Net Block 139.40 125.00 60.64 46.21 47.08

Capital Work In Progress 9.29 9.36 18.82 0.00 0.00

Other Assets 483.52 493.81 223.04 147.13 116.38

Total Assets 14,676.49 14,268.16 8,086.88 5,642.82 4,032.99

Contingent Liabilities 2,593.34 3,192.27 519.32 208.99 261.02

Bills for collection 481.61 239.23 93.45 94.24 101.94

Book Value (Rs) 85.54 99.21 68.64 66.21 53.73

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FINANCIAL RATIOS OF DHANLAXMI BANK

Key Financial Ratios of Dhanlaxmi Bank

Mar

'12Mar '11 Mar '10 Mar '09 Mar '08

Investment Valuation Ratios

Face Value 10.00 10.00 10.00 10.00 10.00

Dividend Per Share -- 0.50 1.00 1.00 2.00

Operating Profit Per Share (Rs) -23.33 -6.16 -2.80 5.66 8.76

Net Operating Profit Per Share (Rs) 166.24 108.54 87.51 67.16 102.26

Free Reserves Per Share (Rs) 61.77 75.95 42.54 42.43 23.11

Bonus in Equity Capital -- -- -- -- --

Profitability Ratios

Interest Spread 4.20 4.03 3.26 5.10 6.79

Adjusted Cash Margin(%) -5.70 3.93 5.27 13.26 11.50

Net Profit Margin -7.56 2.49 3.73 11.76 8.07

Return on Long Term Fund(%) 141.36 80.56 95.83 86.38 146.42

Return on Net Worth(%) -15.87 3.08 5.29 13.53 16.52

Adjusted Return on Net Worth(%) -16.02 3.02 5.13 13.49 16.52

Return on Assets Excluding

Revaluations85.54 99.21 68.64 66.21 53.73

Return on Assets Including

Revaluations 85.54 99.21 68.64 66.21 53.73

Management Efficiency Ratios

Interest Income / Total Funds 9.78 8.27 8.17 8.90 8.76

Net Interest Income / Total Funds 1.86 2.53 2.43 2.97 3.06

Non Interest Income / Total Funds 0.78 1.09 0.92 1.20 0.66

Interest Expended / Total Funds 7.92 5.74 5.74 5.93 5.71

Operating Expense / Total Funds 3.23 3.00 2.69 2.22 2.31

Profit Before Provisions / Total Funds -0.79 0.48 0.51 1.79 1.08

Net Profit / Total Funds -0.80 0.23 0.34 1.19 0.87

Loans Turnover 0.16 0.13 0.14 0.16 0.17

Total Income / Capital Employed(%) 10.56 9.36 9.09 10.10 9.42

Interest Expended / Capital

Employed(%)7.92 5.74 5.74 5.93 5.71

Total Assets Turnover Ratios 0.10 0.08 0.08 0.09 0.09

Asset Turnover Ratio 0.10 4.42 4.16 3.92 3.19

Profit And Loss Account Ratios

Interest Expended / Interest Earned 82.24 70.75 73.71 70.22 67.08

Other Income / Total Income 7.41 11.68 10.11 11.85 6.97Operating Expense / Total Income 30.60 32.04 29.64 22.01 24.48

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Selling Distribution Cost Composition 0.76 0.65 0.10 0.16 0.10

Balance Sheet Ratios

Capital Adequacy Ratio 9.49 12.47 12.99 15.38 9.21

Advances / Loans Funds(%) 65.65 88.98 82.15 74.49 62.70

Debt Coverage RatiosCredit Deposit Ratio 73.24 71.69 67.97 61.77 58.86

Investment Deposit Ratio 32.88 28.87 29.79 30.81 28.97

Cash Deposit Ratio 6.87 7.21 8.35 8.73 9.03

Total Debt to Owners Fund 16.21 14.83 16.13 11.71 20.95

Financial Charges Coverage Ratio -0.07 0.11 1.11 1.33 1.25

Financial Charges Coverage Ratio Post

Tax0.92 1.06 1.09 1.23 1.19

Leverage Ratios

Current Ratio 0.04 0.04 0.03 0.03 0.03Quick Ratio 23.94 38.70 13.66 14.98 10.36

Cash Flow Indicator Ratios

Dividend Payout Ratio Net Profit -- 19.10 32.18 13.05 26.35

Dividend Payout Ratio Cash Profit -- 11.95 22.31 11.54 18.50

Earning Retention Ratio -- 80.50 66.80 86.91 73.65

Cash Earning Retention Ratio -- 87.90 77.20 88.43 81.50

AdjustedCash Flow Times -- 304.61 215.78 76.66 89.01

Mar

'12 Mar '11 Mar '10 Mar '09 Mar '08

Earnings Per Share -13.58 3.06 3.63 8.96 10.13

Book Value 85.54 99.21 68.64 66.21 53.73

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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

Capital and Liabilities:

Total Share Capital 50.00 50.00 50.00 50.00 50.00

Equity Share Capital 50.00 50.00 50.00 50.00 50.00

Share Application Money 0.00 0.00 0.00 0.00 0.00

Preference Share Capital 0.00 0.00 0.00 0.00 0.00

Reserves 3,816.16 3,413.55 2,790.58 2,199.90 1,668.11Revaluation Reserves 0.00 0.00 0.00 0.00 0.00

Net Worth 3,866.16 3,463.55 2,840.58 2,249.90 1,718.11

Deposits 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

Other Liabilities & Provisions 3,006.04 3,628.78 2,480.59 4,360.93 4,183.27

Total Liabilities 85,949.35 70,976.75 59,454.71 49,460.51 44,104.56

Mar '12 Mar '11 Mar '10 Mar '09 Mar '0812 mths 12 mths 12 mths 12 mths 12 mths

Assets

Cash & Balances with RBI 4,776.65 4,709.57 3,468.04 2,328.73 3,274.85

Balance with Banks, Money at Call 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

Accumulated Depreciation 441.96 403.33 367.23 329.26 301.58Net Block 243.27 221.37 202.82 171.59 166.21

Capital Work In Progress 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

Contingent Liabilities 17,663.40 15,092.28 9,836.81 12,396.35 15,389.36

Bills for collection 8,458.69 5,924.55 5,167.77 3,823.14 3,288.99

Book Value (Rs) 773.23 692.71 568.12 449.98 3,436.22

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FINANCIAL RATIOS OF STATE BANK OF TRAVANCORE

Key Financial Ratios of State Bank of

Travancore

Mar '12 Mar '11 Mar '10 Mar '09 Mar '08

Investment Valuation Ratios

Face Value 10.00 10.00 10.00 10.00 100.00

Dividend Per Share 18.00 18.00 16.00 13.00 100.00

Operating Profit Per Share (Rs) 158.15 179.46 195.63 188.35 1,162.67

Net Operating Profit Per Share (Rs) 1,477.94 1,145.98 973.22 918.99 7,604.26

Free Reserves Per Share (Rs) 443.01 400.33 321.98 28.75 287.81

Bonus in Equity Capital -- -- -- -- --

Profitability RatiosInterest Spread 4.35 3.95 3.98 3.98 3.68

Adjusted Cash Margin(%) 7.52 13.35 14.75 13.93 11.33

Net Profit Margin 6.84 12.53 13.89 13.04 10.08

Return on Long Term Fund(%) 148.64 128.69 136.06 164.09 180.68

Return on Net Worth(%) 13.20 21.01 24.08 27.01 22.47

Adjusted Return on Net Worth(%) 13.22 21.02 24.08 27.02 22.46

Return on Assets Excluding

Revaluations773.23 692.71 568.12 449.98 3,436.22

Return on Assets IncludingRevaluations

773.23 692.71 568.12 449.98 3,436.22

Management Efficiency Ratios

Interest Income / Total Funds 9.42 8.79 8.94 9.82 9.26

Net Interest Income / Total Funds 3.05 3.37 3.47 3.75 3.23

Non Interest Income / Total Funds 0.09 0.11 0.11 0.14 0.06

Interest Expended / Total Funds 6.37 5.42 5.47 6.07 6.03

Operating Expense / Total Funds 2.04 1.99 1.67 1.74 1.81

Profit Before Provisions / Total Funds 1.04 1.42 1.83 2.07 1.36

Net Profit / Total Funds 0.65 1.12 1.26 1.30 0.94

Loans Turnover 0.15 0.14 0.14 0.15 0.14

Total Income / Capital Employed(%) 9.51 8.90 9.05 9.96 9.33

Interest Expended / Capital

Employed(%)6.37 5.42 5.47 6.07 6.03

Total Assets Turnover Ratios 0.09 0.09 0.09 0.10 0.09

Asset Turnover Ratio 0.10 9.17 8.54 9.17 8.13

Profit And Loss Account Ratios

Interest Expended / Interest Earned 73.20 67.56 68.02 68.89 72.12

Other Income / Total Income 0.97 1.27 1.22 1.42 0.69

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Operating Expense / Total Income 21.45 22.40 18.47 17.43 19.43

Selling Distribution Cost Composition 0.09 0.13 0.17 0.08 0.06

Balance Sheet Ratios

Capital Adequacy Ratio 11.18 10.82 11.89 12.13 12.68

Advances / Loans Funds(%) 77.43 78.02 79.05 80.23 79.16Debt Coverage Ratios

Credit Deposit Ratio 78.21 77.37 76.24 78.36 79.78

Investment Deposit Ratio 31.14 30.97 31.29 31.76 31.53

Cash Deposit Ratio 7.32 7.50 6.24 7.24 8.65

Total Debt to Owners Fund 18.49 16.79 17.91 18.69 20.58

Financial Charges Coverage Ratio 0.17 0.27 0.35 1.35 1.25

Financial Charges Coverage Ratio Post

Tax1.11 1.22 1.24 1.23 1.18

Leverage RatiosCurrent Ratio 0.03 0.03 0.02 0.02 0.02

Quick Ratio 20.70 14.52 17.23 8.24 7.69

Cash Flow Indicator Ratios

Dividend Payout Ratio Net Profit 20.49 14.39 13.67 12.51 15.15

Dividend Payout Ratio Cash Profit 18.65 13.52 12.87 11.71 13.46

Earning Retention Ratio 79.55 85.62 86.32 87.50 84.85

Cash Earning Retention Ratio 81.38 86.49 87.13 88.29 86.53

AdjustedCash Flow Times 127.28 75.04 70.00 64.74 81.43

Mar '12 Mar '11 Mar '10 Mar '09 Mar '08

Earnings Per Share 102.09 145.55 136.85 121.57 772.22

Book Value 773.23 692.71 568.12 449.98 3,436.22

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5.INDIAN OVERSEAS BANK

Balance Sheet of Indian Overseas Bank ------------------- in Rs. Cr. -------------------

Mar '12 Mar '11 Mar '10 Mar '09 Mar '08

12 mths 12 mths 12 mths 12 mths 12 mths

Capital and Liabilities:

Total Share Capital 797.00 618.75 544.80 544.80 544.80

Equity Share Capital 797.00 618.75 544.80 544.80 544.80

Share Application Money 0.00 0.00 0.00 0.00 0.00

Preference Share Capital 0.00 0.00 0.00 0.00 0.00

Reserves 9,989.40 7,546.19 5,804.18 5,396.59 4,197.90

Revaluation Reserves 1,141.26 1,159.99 1,175.60 1,209.57 113.97

Net Worth 11,927.66 9,324.93 7,524.58 7,150.96 4,856.67

Deposits 178,434.18 145,228.75 110,794.71 100,115.89 84,325.58

Borrowings 23,613.85 19,355.40 8,982.20 6,548.28 6,353.65

Total Debt 202,048.03 164,584.15 119,776.91 106,664.17 90,679.23

Other Liabilities & Provisions 5,672.50 4,875.19 3,794.90 7,258.26 6,323.84

Total Liabilities 219,648.19 178,784.27 131,096.39 121,073.39 101,859.74

Mar '12 Mar '11 Mar '10 Mar '09 Mar '08

12 mths 12 mths 12 mths 12 mths 12 mths

Assets

Cash & Balances with RBI 10,198.91 10,010.89 7,666.45 5,940.44 9,124.23

Balance with Banks, Money at Call 6,062.19 2,007.76 2,158.19 4,981.46 1,217.09

Advances 140,724.44 111,832.98 79,003.93 74,885.27 60,423.84

Investments 55,565.88 48,610.45 37,650.56 31,215.44 28,474.71

Gross Block 2,699.76 2,535.57 2,460.53 2,352.74 1,102.80

Accumulated Depreciation 970.66 859.36 768.63 655.95 569.11

Net Block 1,729.10 1,676.21 1,691.90 1,696.79 533.69

Capital Work In Progress 14.95 4.90 7.67 13.07 24.88

Other Assets 5,352.70 4,641.08 2,917.70 2,340.93 2,061.29Total Assets 219,648.17 178,784.27 131,096.40 121,073.40 101,859.73

Contingent Liabilities 42,601.94 33,490.63 31,288.74 31,016.27 24,173.83

Bills for collection 24,927.12 15,838.45 11,252.80 10,839.82 10,215.01

Book Value (Rs) 135.34 131.96 116.54 109.06 87.05

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FINANCIAL RATIOS OF INDIAN OVERSEAS BANK

Key Financial Ratios of Indian

Overseas Bank

Mar

'12Mar '11 Mar '10 Mar '09 Mar '08

Investment Valuation Ratios

Face Value 10.00 10.00 10.00 10.00 10.00

Dividend Per Share 4.50 5.00 3.50 4.50 3.50

Operating Profit Per Share (Rs) 19.87 25.98 17.57 35.48 28.16

Net Operating Profit Per Share (Rs)238.2

2

210.13 207.58 200.27 153.43

Free Reserves Per Share (Rs) 67.77 60.38 45.21 42.83 42.79

Bonus in Equity Capital -- -- -- -- --

Profitability Ratios

Interest Spread 3.93 3.89 4.69 4.29 4.26

Adjusted Cash Margin(%) 5.97 8.82 7.10 12.16 14.79

Net Profit Margin 5.41 8.04 6.14 11.87 13.94

Return on Long Term Fund(%)131.4

2116.16 126.87 145.71 146.37

Return on Net Worth(%) 9.73 13.13 11.13 22.31 25.35Adjusted Return on Net Worth(%) 9.71 13.12 11.10 21.16 25.31

Return on Assets Excluding

Revaluations

135.3

4131.96 116.54 109.06 87.05

Return on Assets Including

Revaluations

149.6

6150.71 138.12 131.26 89.15

Management Efficiency Ratios

Interest Income / Total Funds 9.59 8.46 9.06 9.85 9.09

Net Interest Income / Total Funds 3.08 3.32 3.39 3.74 3.34

Non Interest Income / Total Funds 0.21 0.21 0.16 0.23 0.29

Interest Expended / Total Funds 6.50 5.13 5.67 6.11 5.75

Operating Expense / Total Funds 2.28 2.28 2.62 1.99 1.67

Profit Before Provisions / Total

Funds0.95 1.19 0.84 1.89 1.88

Net Profit / Total Funds 0.53 0.70 0.57 1.20 1.31

Loans Turnover 0.15 0.14 0.15 0.16 0.16

Total Income / Capital Employed(%) 9.80 8.67 9.21 10.08 9.38

Interest Expended / Capital

Employed(%) 6.50 5.13 5.67 6.11 5.75

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Total Assets Turnover Ratios 0.10 0.08 0.09 0.10 0.09

Asset Turnover Ratio 0.10 5.13 4.60 4.64 7.58

Profit And Loss Account Ratios

Interest Expended / Interest Earned 71.97 65.23 69.08 70.24 66.37

Other Income / Total Income 2.15 2.42 1.72 2.30 3.08Operating Expense / Total Income 23.31 26.28 28.45 19.76 17.81

Selling Distribution Cost

Composition0.20 0.17 0.31 0.24 0.14

Balance Sheet Ratios

Capital Adequacy Ratio 13.32 14.55 14.26 12.70 11.96

Advances / Loans Funds(%) 76.77 78.66 69.78 75.89 74.45

Debt Coverage Ratios

Credit Deposit Ratio 78.03 74.54 72.96 73.36 70.22

Investment Deposit Ratio 32.19 33.69 32.65 32.36 34.27Cash Deposit Ratio 6.24 6.90 6.45 8.17 9.02

Total Debt to Owners Fund 16.54 17.79 17.45 16.85 17.78

Financial Charges Coverage Ratio 0.16 0.24 0.16 0.32 0.34

Financial Charges Coverage Ratio

Post Tax1.09 1.15 1.12 1.21 1.24

Leverage Ratios

Current Ratio 0.03 0.03 0.03 0.02 0.02

Quick Ratio 27.55 25.94 23.61 11.46 11.32

Cash Flow Indicator Ratios

Dividend Payout Ratio Net Profit 39.69 33.52 31.55 21.63 16.96

Dividend Payout Ratio Cash Profit 35.89 30.53 27.24 20.10 15.96

Earning Retention Ratio 60.22 66.45 68.38 77.19 83.02

Cash Earning Retention Ratio 64.03 69.44 72.70 78.89 84.02

AdjustedCash Flow Times154.0

0123.44 135.59 73.71 66.09

Mar

'12

Mar '11 Mar '10 Mar '09 Mar '08

Earnings Per Share 13.18 17.33 12.98 24.34 22.07

Book Value135.3

4131.96 116.54 109.06 87.05