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Bank Performance & Profitability Analysis Model format for Comparative Analysis

Basic parameters No. of employees No. of branches No. of ATMs Key balance sheet parameters Parameter Deposits Growth/change(YOY) Advances Growth Total business mix (deposits+advances) Growth CASA ratio (CASA/Total deposits) Shareholders equity TOTAL ASSETS 03/10 03/11 03/12 03/13

ASSET QUALITY RATIOS: Parameter 1.Gross loans of credit 2.Gross NPA 3.NPA provisions 4.Net NPA (2-3) 5. Net loan or credit (1-3) 6. Gross NPA ratio (gross NPA to gross credit)= 2/1 7. Net NPA ratio(net NPA to Net credit) = 4/5 8.Povision Coverage Ratio (PCR) = 3/2 * *b RBI target for PCR is 70% by Sept. 2010 for All Commercial Banks SUMMARY P&L PARAMETERS Parameter 1.Interest income 2. Interest expenditure 3. Net interest income (NII) (2-1) 4. Non interest income 5. Total Operating income (1+4) 6. Net operating income(3+4) 7. Operating expenditure 8. Operating profit (6-7) 9. Provisions & contingencies 10. Profit after tax (8-9) 03/10 cr
5,084.35

03/10
63,202.56

03/11
86,850.40

03/12
100,469.02
790.23 629.54 crore

03/13
118,716.65

2,048.23 Rs.345.25 crore

1,274.21 Rs547.76 crore

915.94 crore

1702.98 3.24% 2.71% 16.56%

726.45 1.47% 0.84% 42.99%

160.69 99839.48 0.79% 0.16% 79.66

117800.71 -

62857.31 86302.64

03/11 cr
6,195.51

03/12 cr
9,870.89

03/13 cr
11,908.23

8481.02 10459.62 14510.41 16942.03

3396.67

Performance and Profitability ratios: Parameter NIM Cost to income ratio % of Non interest income to Total operating income Overhead efficiency (Non Int. Income/Non Int. Exp.) Efficiency Ratio (Non Int. Exp/(Net Int. Income + Non Int. Income) ROA (AU*NPM) AU NPM ROE (ROA*EM) EM (A/E) Productivity ratios: Parameter Avg. profit per employee (Net Income/avg. no. of employees) Avg. business per employee (Bus. Mix/ avg. no. of employees) Avg. profit per branch 03/10 03/11 03/12 03/13 03/10 03/11 03/12 03/13

Avg. business per branch Vulnerability ratios or Capital Risk ratios or Solvency ratios: Parameter Tier-1 capital Tier-2 capital Total capital funds (T-1 + T-2) CAR or CRAR (Basel-1) CAR or CRAR (Basel-2) 03/10 03/11 03/12 03/13

Space for your Analysis/Arguments (with graphs/charts/tables etc.):