Union bank of india

History

1919 UBI was registered on November 11, 1919 as a limited company in Mumbai. It was inaugurated by Mahatma Gandhi.

1947 UBI had only 4 branches - 3 in Mumbai and 1 in Saurashtra, all concentrated in key trade centres.

1975 The Government nationalized UBI. At the time of its nationalization, UBI had 240 branches in 28 states.

After nationalization, UBI merged in Belgaum Bank, a private sector bank established in 1930.

1985 UBI merged in Miraj State Bank, established in 1929. 1999 UBI acquired Sikkim Bank in a rescue at the request of the Reserve

Bank of India after the discovery of extensive irregularities at the non-scheduled bank. Sikkim Bank had eight branches located in the North-east, which was attractive to UBI.

2007 UBI opened representative offices in Abu Dhabi, United Arab Emirates, and Shanghai, Peoples Republic of China.

2008 UBI opened a branch in Hong Kong, its first branch outside India. Dec 2009 UBI opened a representative office in Sydney

The Union Bank of India was built up in twentieth century and declared open by the Father of the Nation, Mahatama Gandhi. The bank with its efficient value-added services, sustained growth, consistent profitability and development of new technologies bank has ensured complete customer delight, living up to its image of, “GOOD PEOPLE TO BANK WITH”. Bank is offering credit cards, home loan, union demat, Kisan ATM, International debit card, online tax payment facility, Railway e-ticketing kiosk, etc., services to its customers through core banking solution.

The Union Bank of India has 2261 branches out which 1031 branches are under CBS. Presently 939 ATMs spread out across India both Onsite and Offsite. All the ATMs are inter-connected through the Bank’s ATM Switch, thus facilitating on-line operations in case of CBS customers. The Bank is a member of Cash Tree consortium and also has bilateral arrangement with State Bank of India, enabling the Bank’s ATM cardholder access to over 20000 ATMs across the country. UBI Net connects 65 Offices and 984 branches located in 323 centers, facilitating speedier transmission of MIS data (Network Map). The network also facilitates

the implementation of Core Banking Solution, apart from DEMAT services, Cash Management services, fund transfers, messaging system, etc.The Bank is using VSAT network for connecting branches and ATMs wherever leased line connectivity is not feasible. We have 590 VSATs operational, connecting 194 branches/extension counters and 316 ATMs.

Gold Coin Price as of Dt. 11/03/2010Denomination Price (Rs.)*5 Gms. ( 995 Purity)   9099.00

5 Gms. (9999 Purity)   9141.00

8 Gms. 14616.00

10 Gms. 18283.00

*Sales Tax and other local taxes extra

Andhra bank

Brief History

"Andhra Bank" was founded by the eminent freedom  fighter and a multifaceted genius, Dr.Bhogaraju Pattabhi Sitaramayya. The Bank was registered on 20th November 1923 and commenced business on 28th November 1923 with a paid up capital of Rs 1.00 lakh and an authorised capital of Rs 10.00 lakhs.

Founder;Dr Bhogaraju Pattabhi Sitaramayya was born on 24th November 1880 in Gundugolanu village, West Godavari District in Andhra Pradesh. He was a renowned Freedom Fighter and a very illustrious personality

Andhra Bank was registered on 20 November 1923 and commenced business on 28 November 1923 with a paid up capital of Rs 1.00 lakh and an authorised capital of Rs 10.00 lakhs. The Bank crossed many milestones[clarification neededand the Bank's Total Business as on 30.06.2008 stood at Rs.83,256 Crores with a Clientele base over 1.74 Crores.[citation needed] The Bank is rendering services through 2139 Business Delivery Channels consisting of 1371 branches, 66 Extension Counters, 38 Satellite Offices and 664 ATMs spread over 21 States and 2 Union Territories as at the end of June, 2008. All Branches are 100% computerized, 1186 units viz., 1101 Branches, 68 Extension Counters, 15 Service Centres networked under Cluster

Banking solution and providing "Any Branch Banking(ABB)". Real Time Gross Settlement (RTGS) Facility and National Electronic Fund Transfer (NEFT) facility has been introduced in 723 Branches. To provide value-added services[clarification needed]

to Customers, the Bank has set up its own 664 ATMs as on 30.06.2008. Of which 03[clarification needed] Mobile ATMs and two with Biometric access. Besides, ATM

sharing arrangements with several Banks including SBI group, IDBI Bank, UTI Bank, HDFC Bank, Indian Bank and others under National Financial Network Switch covering 24856 ATMs.

Andhra Bank is selling Gold Coins directly by importing from Switzerland. It has the approval from RBI

for retail sale of gold to its customers.

The coins are 24 Carat, 999.9 pure gold with a "Assay Certification" indicating the highest quality of

gold as per International Standards.

Gold Coins are currently available in 4g, 8g & 10g denominations in round shape. Launching 5g, 20g &

50g shortly.

Corporatiion bank

Every institution has its start in modest initiatives but what makes it great is the passion of the people behind it. Carrying the legacy forward with an undaunted commitment to its vision, the journey of Corporation Bank truly epitomizes this.

Started about 103 years ago in 1906, with an initial capital of just Rs.5000, Corporation Bank is all set to cross Rs. One Lakh Twenty five Crore mark in

GOLD COINS FROM ANDHRA BANK

Today Selling Price Date: 11 / Mar / 2010(exclusive of Sales Tax/VAT)

Weight of Coin Price in Rs.

4 gms Rs 7185/- **

8 gms. Rs 14252/-**

10 gms. Rs 17802/-

business and even far more, with over 2086 service outlets across the nation,served by committed and dedicated 12,000 plus Corp bankers. Proof of which is seen in its enviable track record in financial performance. We have many reasons to cheer, predominant of them is, being able to participate in nation building by empowering the rural and urban population alike. Today, we are proud that we are significant contributors to the growth of the country's economy.

Early Movers

Nationalised in 1980, Corporation Bank was the forerunner when it came to evolving and adapting to the financial sector reforms. In 1997, it became the Second Public Sector Bank in the country to enter capital market, the IPO of which was over- subscribed by 13 times. the Bank has many " firsts " to its credit - Cash Management Services, Gold Banking, m-Commerce, " Online " approvals for Educational loans, 100% CBS Compliance and more recently, its poineering efforts to take the technology to the rural masses in remotest villages through low-cost branchless banking - Business Corresponent model. All of which symbolise Bank's unswerved commitment to its customers to provide convenience banking.

At Corporation Bank, what motivates us is the passion to excel in banking by maintaining highest standards of service to our customers, backed by innovative products and services which makes us one of the leading Public Sector Banks in

the country, catering to a wide range of customers - from individuals to corporate clients.

Gold Selling Rates for 11th March 2010

Coin Denomination Rate (excl. Sales Tax/VAT) in Rs.

2 Gram 3798

4 Gram 7263

5 Gram 9263

8 Gram 14240

20 Gram 35231

50 Gram 86502

100 Gram 168265

Gold coins of 2 grams to 50 grams with 999.9 purity

100 grams bar with 999.0 purity

The Above rates are exclusive of Sales Tax / VAT which will be charged as applicable. The rates are indicative as at 9.30 a.m., today, the 11th March, 2010, and are subject to change.

Icici bank

History of ICICI

1955: The Industrial Credit and Investment Corporation of India Limited (ICICI) was incorporated at the initiative of World Bank, the Government of India and representatives of Indian industry, with the objective of creating a development financial institution for providing medium-term and long-term project financing to Indian businesses.

1994: ICICI established Banking Corporation as a banking subsidiary.formerly Industrial Credit and Investment Corporation of India. Later, ICICI Banking Corporation was renamed as 'ICICI Bank Limited'. ICICI founded a separate legal entity, ICICI Bank, to undertake normal banking operations - taking deposits, credit cards, car loans etc.

2001: ICICI acquired Bank of Madura (est. 1943). Bank of Madura was a Chettiar bank, and had acquired Chettinad Mercantile Bank (est. 1933) and Illanji Bank (established 1904) in the 1960s.

2002: The Boards of Directors of ICICI and ICICI Bank approved the reverse merger of ICICI, ICICI Personal Financial Services Limited and ICICI Capital Services Limited, into ICICI Bank. After receiving all necessary regulatory approvals, ICICI integrated the group's financing and banking operations, both wholesale and retail, into a single entity. At the same time, ICICI started its international expansion by opening representative offices in New York and London. In India, ICICI Bank bought the Shimla and Darjeeling branches that Standard Chartered Bank had inherited when it acquired Grindlays Bank.

2003: ICICI opened subsidiaries in Canada and the United Kingdom (UK), and in the UK it established an alliance with Lloyds TSB. It also opened an Offshore Banking Unit (OBU) in Singapore and representative offices in Dubai and Shanghai.

2004: ICICI opened a representative office in Bangladesh to tap the extensive trade between that country, India and South Africa.

2005: ICICI acquired Investitsionno-Kreditny Bank (IKB), a Russia bank with about US$4mn in assets, head office in Balabanovo in the Kaluga region, and with a branch in Moscow. ICICI renamed the bank ICICI Bank Eurasia. Also, ICICI established a branch in Dubai International Financial Centre and in Hong Kong.

2006: ICICI Bank UK opened a branch in Antwerp, in Belgium. ICICI opened representative offices in Bangkok, Jakarta, and Kuala Lumpur.

2007: ICICI amalgamated Sangli Bank, which was headquartered in Sangli, in Maharashtra State, and which had 158 branches in Maharashtra and another 31 in Karnataka State. Sangli Bank had been founded in 1916 and was particularly strong in rural areas. With respect to the

international sphere, ICICI also received permission from the government of Qatar to open a branch in Doha. Also, ICICI Bank Eurasia opened a second branch, this time in St. Petersburg.

2008: The US Federal Reserve permitted ICICI to convert its representative office in New York into a branch. ICICI also established a branch in Frankfurt.

Investor Relations

ICICI Bank disseminates information on its operations and initiatives on a regular basis. The ICICI Bank website

serves as a key investor awareness facility, allowing stakeholders to access information on ICICI Bank at their

convenience. ICICI Bank's dedicated investor relations personnel play a proactive role in disseminating information to

both analysts and investors and respond to specific queries.

 

Founded1955 (as Industrial Credit and Investment

Corporation of India)

Headquarters

ICICI Bank Ltd.,

ICICI Bank Towers,

Bandra Kurla,

Mumbai, India

Key people

K.V. Kamath,Chairman

Chanda Kochhar, Managing Director & CEO

Sandeep Bakhshi, Deputy Managing

Director

N.S. Kannan, Executive Director & CFO

K. Ramkumar, Executive Director

Sonjoy Chatterjee, Executive Director

Industry

Banking

Insurance

Capital Markets and allied industries

ProductsLoans, Credit Cards, Savings, Investment

vehicles, Insurance etc.

Revenue ▲ USD 15.06 billion

Total assets ▲ USD 120.61 billion (at March 31, 2009.)

Website www.icicibank.com

Balance sheet

Mar ' 09 Mar ' 08 Mar ' 07 Mar ' 06 Mar ' 05

Sources of funds

Owner's fund

Equity share capital 1,113.29 1,112.68 899.34 889.83 736.75

Share application money - - - - 0.02

Preference share capital 350.00 350.00 350.00 350.00 350.00

Reserves & surplus 48,419.73 45,357.53 23,413.92 21,316.16 11,813.20

Loan funds

Secured loans - - - - -

Unsecured loans 2,18,347.82 2,44,431.05 2,30,510.19 1,65,083.17 99,818.78

Total 2,68,230.84 2,91,251.26 2,55,173.45 1,87,639.16 1,12,718.75

Uses of funds

Fixed assets

Gross block 7,443.71 7,036.00 6,298.56 5,968.57 5,525.65

Less : revaluation reserve - - - - -

Less : accumulated depreciation 3,642.09 2,927.11 2,375.14 1,987.85 1,487.61

Net block 3,801.62 4,108.90 3,923.42 3,980.71 4,038.04

Capital work-in-progress - - 189.66 147.94 96.30

Investments 1,03,058.31 1,11,454.34 91,257.84 71,547.39 50,487.35

Net current assets

Current assets, loans & advances 34,384.06 31,129.77 23,551.85 15,642.79 11,115.99

Less : current liabilities & provisions 43,746.43 42,895.38 38,228.64 25,227.88 21,396.16

Total net current assets -9,362.37 -11,765.62 -14,676.78 -9,585.09 -10,280.17

Miscellaneous expenses not written - - - - -

Total 97,497.56 1,03,797.62 80,694.15 66,090.96 44,341.52

Mar ' 09 Mar ' 08 Mar ' 07 Mar ' 06 Mar ' 05

Notes:

Book value of unquoted investments - - - - -

Market value of quoted investments - - - - -

Contingent liabilities 8,40,670.63 4,01,114.91 1,99,771.41 1,34,920.99 1,07,311.46

Number of equity sharesoutstanding (Lacs)

11126.87 11126.87 8992.67 8898.24 7367.16

Profit loss account

Mar ' 09 Mar ' 08 Mar ' 07 Mar ' 06 Mar ' 05

Income

Operating income 38,250.39 39,467.92 28,457.13 17,517.83 11,838.10

Expenses

Material consumed - - - - -

Manufacturing expenses - - - - -

Personnel expenses 1,971.70 2,078.90 1,616.75 1,082.29 737.41

Selling expenses 669.21 1,750.60 1,741.63 840.98 601.71

Adminstrative expenses 7,475.63 6,447.32 4,946.69 2,727.18 1,248.31

Expenses capitalised - - - - -

Cost of sales 10,116.54 10,276.82 8,305.07 4,650.45 2,587.43

Operating profit 5,407.91 5,706.85 3,793.56 3,269.94 2,679.78

Other recurring income 330.64 65.58 309.17 466.02 448.46

Adjusted PBDIT 5,738.55 5,772.43 4,102.73 3,735.96 3,128.25

Financial expenses 22,725.93 23,484.24 16,358.50 9,597.45 6,570.89

Depreciation 678.60 578.35 544.78 623.79 590.36

Other write offs - - - - -

Adjusted PBT 5,059.96 5,194.08 3,557.95 3,112.17 2,537.88

Tax charges 1,830.51 1,611.73 984.25 556.53 522.00

Adjusted PAT 3,740.62 4,092.12 2,995.00 2,532.95 2,007.28

Non recurring items 17.51 65.61 115.22 7.12 -2.08

Other non cash adjustments -0.58 - - - -

Reported net profit 3,757.55 4,157.73 3,110.22 2,540.07 2,005.20

Earnigs before appropriation 6,193.87 5,156.00 3,403.66 2,728.30 2,058.29

Equity dividend 1,224.58 1,227.70 901.17 759.33 632.96

Preference dividend - - - - -

Dividend tax 151.21 149.67 153.10 106.50 90.10

Mar ' 09 Mar ' 08 Mar ' 07 Mar ' 06 Mar ' 05

Retained earnings 4,818.07 3,778.63 2,349.39 1,862.46 1,335.22

Cash flow(in crores)

Mar ' 09 Mar ' 08 Mar ' 07 Mar ' 06 Mar ' 05

Profit before tax 5,116.97 5,056.10 3,648.04 3,096.61 2,527.20

Net cashflow-operating activity -14,188.49 -11,631.15 23,061.95 4,652.93 9,131.72

Net cash used in investing activity 3,857.88 -17,561.11 -18,362.67 -7,893.98 -3,445.24

Netcash used in fin. activity 1,625.36 29,964.82 15,414.58 7,350.90 -1,227.13

Net inc/dec in cash and equivlnt -8,074.57 683.55 20,081.10 4,110.25 4,459.34

Cash and equivalnt begin of year 38,041.13 37,357.58 17,040.22 12,929.97 8,470.63

Cash and equivalnt end of year 29,966.56 38,041.13 37,121.32 17,040.22 12,929.97

Dividend

Year Month Dividend (%)

2009 Apr 110

2008 Apr 110

2007 Apr 100

2006 Apr 85

2005 May 85

2004 Apr 75

2003 Apr 75

2002 May -

2002 Jan 20

Year Month Dividend (%)

2001 Apr 20

2000 Apr 15

1999 Apr 12

1998 Apr 10z

Share holding

Share holding pattern as on : 31/12/2009 30/09/2009 30/06/2009

Face value 10.00 10.00 10.00

No. Of Shares % Holding No. Of Shares % Holding No. Of Shares % Holding

Promoter's holding

Sub total - - - - - -

Non promoter's holding

Institutional investors

Banks Fin. Inst. and Insurance

196772204 17.66 193684224 17.39 184997587 16.62

FII's 405186131 36.37 393903476 35.37 404572215 36.34

Sub total 681285777 61.15 666311911 59.84 665820721 59.80

Other investors

Private Corporate Bodies 30683910 2.75 32640436 2.93 37174101 3.34

NRI's/OCB's/Foreign Others 8344069 0.75 8661306 0.78 9403169 0.84

Direcctors/Employees 915614 0.08 933488 0.08 938988 0.08

Govt 6760 - 7380 - 19780 -

Others 324764614 29.15 335589655 30.14 326545246 29.33

Sub total 364710768 32.73 377828066 33.93 374077085 33.60

General public 68131224 6.12 69419969 6.23 73422082 6.59

Grand total 1114127769 100.00 1113559946 100.00 1113319888 100.00

(Rs crore)

Capital structure

From Year

To Year

Class Of Share

Authorized Capital

Issued Capital

Paid Up Shares (Nos)

Paid Up Face Value

Paid Up Capital

2008 2009 Equity 1,275.00 1,113.25 1113250642 10 1,113.25

From Year

To Year

Class Of Share

Authorized Capital

Issued Capital

Paid Up Shares (Nos)

Paid Up Face Value

Paid Up Capital

Share

2007 2008Equity Share

1,275.00 1,112.69 1112687495 10 1,112.69

2006 2007Equity Share

1,000.00 899.27 899266672 10 899.27

2005 2006Equity Share

1,000.00 153.84 153844503 10 153.84

2005 2006Equity Share

1,000.00 889.82 889823901 10 889.82

2004 2005Equity Share

1,550.00 616.39 350000000 10 350.00

2004 2005Equity Share

1,550.00 616.39 616391905 10 616.39

2003 2004Equity Share

1,550.00 613.02 613021301 10 613.02

2001 2002Equity Share

300.00 220.36 220358680 10 220.36

2000 2001Equity Share

300.00 196.82 196818880 10 196.82

1999 2000Equity Share

300.00 196.82 196818880 10 196.82

1997 1999Equity Share

300.00 165.00 165000700 10 165.00

1995 1997Equity Share

300.00 150.00 150000700 10 150.00

1994 1995Equity Share

300.00 150.00 150000000 7 105.00

1994 1995Equity Share

300.00 150.00 700 10 -

Ratios

rediff lap_300x250 ros reliancecf_mar10 propertyloan

Mar ' 09 Mar ' 08 Mar ' 07 Mar ' 06 Mar ' 05

Per share ratios

Adjusted EPS (Rs) 33.62 36.78 33.30 28.47 27.25

Adjusted cash EPS (Rs) 39.72 41.97 39.36 35.48 35.26

Reported EPS (Rs) 33.78 37.37 34.59 28.55 27.22

Reported cash EPS (Rs) 39.87 42.56 40.64 35.56 35.23

Dividend per share 11.00 11.00 10.00 8.50 8.50

Operating profit per share (Rs) 48.60 51.29 42.19 36.75 36.37

Book value (excl rev res) per share (Rs) 445.17 417.64 270.37 249.55 170.35

Book value (incl rev res) per share (Rs.) 445.17 417.64 270.37 249.55 170.35

Net operating income per share (Rs) 343.77 354.71 316.45 196.87 160.69

Free reserves per share (Rs) 351.22 346.21 199.52 193.24 110.70

Profitability ratios

Operating margin (%) 14.13 14.45 13.33 18.66 22.63

Gross profit margin (%) 12.36 12.99 11.41 15.10 17.64

Net profit margin (%) 9.74 10.51 10.81 14.12 16.32

Adjusted cash margin (%) 11.45 11.81 12.30 17.55 21.14

Adjusted return on net worth (%) 7.55 8.80 12.31 11.40 15.99

Reported return on net worth (%) 7.58 8.94 12.79 11.43 15.97

Return on long term funds (%) 56.72 62.34 82.46 56.24 70.54

Leverage ratios

Long term debt / Equity 0.01 0.01 0.01 0.01 0.02

Total debt/equity 4.42 5.27 9.50 7.45 7.98

Owners fund as % of total source 18.46 15.95 9.52 11.83 11.13

Fixed assets turnover ratio 5.14 5.61 4.52 2.94 2.14

Liquidity ratios

Current ratio 0.78 0.72 0.61 0.62 0.51

Current ratio (inc. st loans) 0.13 0.10 0.08 0.08 0.09

Quick ratio 5.94 6.42 6.04 6.64 4.98

Inventory turnover ratio - - - - -

Payout ratios

Dividend payout ratio (net profit) 36.60 33.12 33.89 34.08 36.05

Dividend payout ratio (cash profit) 31.00 29.08 28.84 27.36 27.85

Earning retention ratio 63.23 66.35 64.80 65.82 63.98

Cash earnings retention ratio 68.87 70.51 70.22 72.58 72.17

Mar ' 09 Mar ' 08 Mar ' 07 Mar ' 06 Mar ' 05

Coverage ratios

Adjusted cash flow time total debt 49.41 52.34 65.12 52.30 38.43

Financial charges coverage ratio 1.25 1.25 1.25 1.39 1.48

Fin. charges cov.ratio (post tax) 1.20 1.20 1.22 1.33 1.40

Component ratios

Material cost component (% earnings) - - - - -

Selling cost Component 1.74 4.43 6.12 4.80 5.08

Exports as percent of total sales - - - - -

Import comp. in raw mat. consumed - - - - -

Long term assets / total Assets 0.75 0.78 0.80 0.82 0.83

Bonus component in equity capital (%) - - -

Quarterly results in brief

  Dec ' 09 Sep ' 09 Jun ' 09 Mar ' 09 Dec ' 08Sales 6,089.57 6,656.94 7,133.44 7,529.69 7,836.08Operating profit 3,725.02 4,161.11 4,263.77 4,788.10 5,094.27Interest 4,031.48 4,620.87 5,148.18 5,390.85 5,845.67Gross profit 2,368.84 2,435.33 2,529.12 2,155.46 2,770.84EPS (Rs) 9.88 9.34 7.89 6.68 11.43

Half yearly results in brief

  Sep ' 09 Mar ' 09 Sep ' 08 Mar ' 08 Sep ' 07Sales 13,790.38 15,365.77 15,726.78 15,941.04 14,847.30Operating profit 8,424.88 9,882.37 10,356.81 9,955.15 9,774.42Interest 9,769.05 11,236.52 11,489.41 11,901.89 11,582.35Gross profit 4,964.45 4,926.30 3,998.93 4,549.33 3,411.36EPS (Rs) 17.23 18.11 15.65 21.39 16.0