Profitability and efficiency ratios

2008
ROE
8.92
ROA
0.37
Net Interest Margin
3.07
Net Non Interest Margin
-1.54
Net Bank Operating Margin
1.529
Earning Base
77.92
Asset Utilization
1.529
Net Profit Margin
3.58
Equity Multiplier
20.47
Yeild on Earning Assets
13.34
Cost of Borrowings on interest bearing liabiliteis
9.79
Spread
3.55
EPS
141
P.E ratio

2009
4.53
0.23
2.8
-1.4
1.3
77.65
10.47
2.47
17.57
11.76
6.98
4.78
71

2010
18.7
0.89
3.32
3.09
6.43
78.06
7.14
18.44
11.21
6.35
4.86
72

2011
8.45
0.41
3.97
-1.889
2.085
71.62
10.608
3.88
18.162
11.88
6.02
5.86
260

2009
6.33
6.98
2.8
9.64

2010
5.79
6.35
3.05
6.13

2011
5.48
6.02
2.954
6.647

Expense Control Measures

2008
5.82
6.41
3
8.7255

Interest Expense/Total Assets

Interest Expense/ interest bearing liabilties
Administrative Expenses/ Total Assets
Other Operating Expenses/ Total Assets

Credit Risk
Non-performing Assets/Gross loans and leases
Charge off/ Gross loan and leases
ALL/ Gross loans
ALL/ Equity Capital
PLL/ Total deposits
Gross Loans/Total deposits

10.29
0.0987
6.96
56.6
0.00306
46.24

Liquidity Risk
Cash and due from deposits placed with other banks/ TA
Government securities/ TA
Cash Assets and & government securities / TA
Core Deposits/ TA
Net Loans/ TA

Market Risk
BV of Assets/ MV of Assets
BV of Equity/ MV

8.549
0.24
17.17
85.7
42.39

EPS
Value of Stock

Solvency and Capital Adequacy

P.E ratio
Equity Capital/ TA
Equity Capital/ Risk Assets (loans and securities)
TA/Equity
Total Liabilities/Total Equity

2012
17.73
0.849
3.46
-1.53
1.92
81.49
9.946
8.53
20.88
10.54
5.679
4.861
338

2012
5.126
5.67
2.834
8.36

10.1
0.059
6.56
56.1
0.00053
48.02

8.35
0.29
18.16
85.2
43.6