ASSET QUALITY RATIOS:

Parameter

3-Nov

3-Dec

Mar-13

Mar-14

322.12

353.2

484.93

680.1

64.34

101.79

158.15

256.6

1.45

1.29

1.47

1.91

1.Gross loans or
Gross 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 (%)*

Industry
Avg.

SUMMARY P&L PARAMETERS:

Parameter

1.Interest income

2. Interest
expenditure

3. Net interest
income (NII) (1-2)

4. Non interest
income

5. Total Operating
income (1+4)
Growth (%)
6. Net operating
income(3+4)

3-Nov

3-Dec

7. Operating
expenditure
8. Operating profit
(6-7)
9. Provisions &
contingencies
10. Profit after tax
(8-9)

ARAMETERS:

Mar-13

Mar-14

SUMMARY P&L PARAMETERS:

Parameter
1.Interest
income

3-Nov

3-Dec

Mar-13

Mar-14

2,217.70

3,270.37

4,242.43

5,115.96

32%

23%

Growth (%)

2. Interest
expenditure

17%

2,353.25

1,450.84

3,083.96

3,832.26

Growth (%)

38%

24%

20%

3. Net interest
income (NII) (12)

-6%

-1%

-2%

452.56

564.45

Growth (%)
4. Non interest
income

350.15
264.33

Growth (%)

25%

23%

20%

5. Total
Operating
income (1+4)

57%

46%

37%

51%

45%

54%

Growth (%)

6. Net operating
income(3+4)

Growth (%)

7. Operating
expenditure
430.61

Growth (%)
8. Operating
profit (6-7)

541.56

762.2

1,010.37

20%

29%

25%

30%

16%

29%

223.99

298.51

408.2

17%

25%

27%

13%

-9%

3%

Growth (%)

9. Provisions &
contingencies

Growth (%)
10. Profit after
tax (8-9)
Growth (%)

184.99