Profitability Ratios:

Re turnonEquity ( ROE ) = NetIncomeafterTax TotalEquit yCapital

Re turnonAssets ( ROA) =

NetInomeafterTax TotalAssets

InterestIncomefromLoanandSecurityInvestment InterestExpenseonDeposi tan dotherDeposit NetInterestM arg in = TotalAssets

NonInterest Re venue NonInterestExpense NetNonInterestM arg in = TotalAssets

TotalOperating Re venues TotalOperatingExpense Operating Pr ofitM arg inRatio = TotalAssets

NetIncomeafterTax + Net Pr ofitM arg inRatio ( NPM ) = Extraordinary Re venue( Expense) TotalOperating Re venues

AssetsUtilization ( AU ) =

TotalOperating Re venues TotalAssets

EquityMultiplier ( EM ) =

TotalAssets TotalEquityCapital

EarningPerShare( EPS ) =

NetIncomeAvailableforCommonstockholder CommonEquityShareOuts tan ding

DividendPerShare =

CashDividend CommonEquityShareOuts tan ding

Re tainedEarningPerShare( REPS ) =

Re tainedEarning CommonEquityShareOuts tan ding

Re tentionRatio( RR ) =

Re tainedEarning NetIncome

Efficiency Ratios:
TaxManagementEfficiencyRatio(TME ) = NetIncome NetOperatingIncomebeforeTaxs

ExpenseControEffi ciencyRatio( ECE ) =

NetOperatinIncomebeforeTaxes TotalOperatin Re venues

AssetsManagementEfficiencyRatio( AME ) =

TotalOperating Re venues TotalAssets

FundsManagementEfficiencyRatio( FME ) =

TotalAssets TotalEquit yCapital

OperatingEfficiencyRatio =

TotalOperatingExpense TotalOperating Re venue

Employee Pr oductivityRatio =

NetOperatingIncome No.ofFull TimeEmployee

Market Ratios:
Pr ice EarningRatio( P / E ) = Market Pr iceperShare EarningPerShare

BookValuePerShare =

CommonEquityorNetWorth No.ofCommonShareOuts tan ding

Market BookValueRatio =

Market Pr icePerShare BookValuePerShare

Liquidity Ratios:
LoanstoDepositsRatio ( LTD ) = TotalLoansandAdvances TotalDeposit

LoanstoAssetsRatio( LTA ) =

TotalLoans andAdvances TotalAssets

EquitytoDepositRatio( ETD ) =

TotalShareholdersEquity TotalDeposits

CashRatio =

CashinhandandinBanks TotalDeposit

CurrentDepositstoDepositsRatio ( ETD ) =

CurrentDeposits TotalDeposits

SavingsDepositstoDepositsRatio ( ETD ) =

SavingsDeposits TotalDeposits

FixedDepositstoDepositsRatio( ETD ) =

FixedDeposits TotalDeposits