CONSOLIDATED BALANCE SHEET

CONSOLIDATED PROFIT AND LOSS ACCOUNT

CASH FLOW STATEMENT
SPECIALIZED ANALYSIS
This type oI analysis is mainly done to check the proIitability and the eIIiciency oI the
business. In this type oI analysis we perIorm the Iollowing types oI ratios
1. Earning assets to total assets
2. Return oI earning assets
3. Net margin to earning assets
4. Loan loss Coverage ratio
5. Deposit time capital
6. Loans to deposit
7. Total Equity to Total Assets Ratio
8. Return on Equity Ratio
9. Return on investment
10.Return on Iixed assets
GENERAL ANALYSIS
1. Solvency Ratios
Debt ratio
Equity ratio
2. Market Analysis
EPS (earning per share)
Book value per share
Dividend payout ratio
Dividend Yield
Dividend per share
Percentage oI retained earning
Market to Book Value Ratio
Break up value/Book value per share
3. Cash Flow Analysis
Operating cash per share
Operating cash to total debts
Operating cash to cash dividend
QUICK SUMMARY (oI all above ratios)


Sr No RATIOS 2004 2005 CHANGE COMMENTS
Banking Ratios
1 Earning to Total Asset Ratio 0.80 0.82 Positive Favorable
2 Return on Earning Asset Ratio 0.01 0.01 No Change SatisIactory
3 Net Margin to Earning Asset Ratio 0.02 0.02 No Change SatisIactory
4 Loan Loss Coverage Ratio 3111.10 3324.40 Positive Favorable
5 Equity to Total Asset Ratio 0.03 0.03 No change SatisIactory
6 Time Deposit Ratio 29.69 33.00 Positive Favorable
7 Loan to Total Deposit ratio 0.69 0.53 Negative Not Favorable
8 Return on Equity Ratio 0.25 0.25 No Change SatisIactory
9 Return on Total Assets Ratio 0.01 0.01 No Change SatisIactory
10 Earning per Share Ratio (Rs) 4.36 5.67 Positive Favorable
Market Ratios
11 Price Earning Ratio 8.84 13.00 Positive Favorable
12 Market Value to Book Value Ratio 3.85 7.37 Positive Favorable
13 Dividend to Market Price Ratio 12970.17 4881.35 Negative Not Favorable
14 Dividend Cover Ratio 2.18 4.73 Positive Favorable
15 Dividend Yield 2.00 1.20 Negative Not Favorable
Changes from Previous Years
16 Change in Asset (Rs) 154834534 248313793 Positive Favorable
17 Change in Liabilities (Rs) 149573050 240849667 Positive Not Favorable
18 Change in income (Rs) 1091989 1702094 Positive Favorable


TREND ANALYSIS (OI ProIit & Loss Account and Balance Sheet)
1. Horizontal analysis
2. Vertical analysis