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1 Income Statement
2 Balance Sheet
3 Additional informations
4 Averages

5
6
7
8
9
10
11
12
13

Ratios: Fundamentals
Operational & financial ratios
Growth ratios
Profitability ratios
Performance ratios
Deposit profile ratios
Asset quality ratios
Capitalisation ratios
Efficiency ratios
Productivity ratios

14 Valuation ratios
15 Details for ratios
16 General informations

Income Statement
Year ended 31 Mar (Rs m)
FY07
Interest income
112,361
Interest expense
-60,229
Net interest income
52,132
growth (%)
11.7
Non-interest income
17,304
Operating income
69,436
Operating expenses
-33,262
Pre-provisions profit
36,174
Core operating profit
32,445
growth (%)
19.9
Provisions & Contingencies
-14,483
Pre-tax profit (before non-recurring items)
21,691
Non-recurring items
0
Tax on non-recurring items
0
Pre-tax profit (after non-recurring items)21,691
Tax (current + deferred)
-6,291
Net profit
15,401
Adjusted net profit
15,401
growth (%)
7.0
Prior period adjustments
0
Minority interests
0
Net income
15,401

FY08
142,650
-87,309
55,342
6.2
19,976
75,317
-35,255
40,062
35,643
9.9
-7,103
32,959
0
0
32,959
-12,472
20,488
20,488
33.0
0
0
20,488

FY09
191,272
-122,953
68,319
23.4
30,647
98,966
-42,062
56,904
50,257
41.0
-9,235
47,669
0
0
47,669
-16,760
30,909
30,909
50.9
0
0
30,909

Balance Sheet
Year ended 31 Mar (Rs m)
Cash and balance with RBI/Banks
Investments
Advances
Fixed assets (Net block)
Other assets
Total assets

FY07
FY08
156,455
188,307
451,898
539,917
965,965 1,195,016
10,098
23,155
39,808
43,808
1,624,225 1,990,204

FY09
214,131
633,852
1,547,030
23,971
50,202
2,469,186

FY10E
FY11E
FY12E
214,669
269,512
335,486
-129,440 -165,850 -210,848
85,229
103,662
124,639
24.8
21.6
20.2
35,653
36,745
43,004
120,882
140,407
167,643
-47,619
-55,897
-67,210
73,263
84,511
100,432
65,229
80,092
95,793
29.8
22.8
19.6
-14,215
-16,543
-17,032
59,048
67,968
83,400
0
0
0
0
0
0
59,048
67,968
83,400
-19,994
-23,109
-28,773
39,054
44,859
54,627
39,054
44,859
54,627
26.4
14.9
21.8
0
0
0
0
0
0
39,054
44,859
54,627
38325
11215
2%
300.0%
FY10E
FY11E
FY12E
234,736
328,184
398,979
777,245
943,839 1,132,256
1,866,012 2,270,014 2,767,779
25,135
25,560
26,645
63,201
68,566
73,482
2,966,328 3,636,163 4,399,141

Deposits
Borrowings
Other liabilities and provisions
Total liabilities

1,398,597 1,664,572
19,489
54,466
101,785
147,982
1,519,870 1,867,020

2,097,605
43,744
181,301
2,322,650

2,493,298 3,047,783 3,719,311


85,721
107,151
128,581
210,080
264,675
285,601
2,789,099 3,419,609 4,133,493

Share capital
Reserves & surplus
Less: Misc. expenditure
Shareholders' funds
Minorities interests
Total equity & liabilities

3,153
3,153
101,202
120,030
0
0
104,355
123,183
0
0
1,624,225 1,990,204

3,153
143,383
0
146,536
0
2,469,186

3,153
3,153
3,153
174,076
213,401
262,495
0
0
0
177,229
216,554
265,648
0
0
0
2,966,328 3,636,163 4,399,141

Key ratios
Year ended 31 Mar (Rs m)
FY08
Operational & financial ratios
Adjusted EPS (Rs)
65.0
DPS (Rs)
13.0
Adjusted Book NAV/share (Rs)
326.2
Profitability ratios
Yield on investment (%)
7.3
Yield on advances (%)
9.7
Yield on earning assets (%)
8.2
Cost of deposits (%)
5.4
Cost of funds (%)
5.4
Performance ratios
ROA (%)
1.1
ROE (%)
18.7
Asset quality ratios
Gross NPLs (%)
2.7
Net NPLs (%)
0.6
Net NPLs/Net worth (%)
6.6
Loan provisions/Net int. income (%)
9.3
Loan provisions/Avg loans (%)
0.5
Provisions cover (%)
77.3
Provisions cover [incl General Provisions] (%) 94.6
Capitalisation ratios
Tier I cap.adequacy (%)
9.0
Total cap.adequacy (%)
13.5
Equity/Total assets (%)
0.2
Loans/Assets (%)
60.0
Investments/Assets (%)
27.1
Loans/Deposits (%)
71.8
Investments/Deposits (%)
32.4
Efficiency ratios
Cost/Income (%)
46.8
Cost/Core income (%)
49.7
Cost/Assets (%)
2.0
Productivity ratios
Staff cost per employee (Rs m)
0.4
Assets per employee (Rs m)
35.1
Optg revenue per employee (Rs m)
1.3
Optg expense per employee (Rs m)
0.6
Adjusted net profit per employee (Rs m)
0.4
Valuation ratios
PER (x)
15.8
Price/Adjusted book (x)
3.2
Yield (%)
1.3

FY09

FY10E

98.0
20.0
410.6

123.9
22.0
494.2

7.3
10.7
8.9
6.1
6.1

6.5
9.8
8.2
5.2
5.3

1.4
24.6

1.4
25.4

1.6
0.2
2.1
13.0
0.6
88.4
113.8

1.7
0.5
5.8
12.4
0.6
67.8
89.9

9.0
14.0
0.1
62.7
25.7
73.8
30.2

9.0
14.0
0.1
62.9
26.2
74.8
31.2

42.5
45.6
1.9

39.4
42.2
1.8

0.5
43.2
1.7
0.7
0.5

0.5
51.0
2.1
0.8
0.7

10.5
2.5
1.9

8.3
2.1
2.1


+
+
+
+

Year ended 31 Mar (Rs m)


FY98
FY99
Income Statement
Interest income
39,922
44,480
on advances
19,611
21,818
on investments
18,206
19,763
on RBI/bank balances
1,644
1,815
on others
461
1,084
Interest expense
-26,991
-27,954
on deposits
-25,399
-26,768
on RBI/bank balances
-35
-121
on others
-1,557
-1,064
Net interest income
12,932
16,526
Non-interest income
6,366
5,447
Commission, Exchange & Brokerage
2,802
3,283
Profit/(Loss) on sale of investments 2,373
786
Profit/(Loss) on sale of assets
7
7
Gain/(Loss) on foreign exchange transactions
616
738
Income from subsidiaries
247
153
Provision written back
Miscellaneous Income
321
481
Operating income
19,297
21,973
Operating expenses
-11,286
-13,760
Employee expenses
-8,714
-10,689
Rent, Taxes & Lighting
-553
-647
Printing & Stationery
-198
-203
Advertisement & Publicity
-30
-39
Depreciation on Bank's property
-348
-400
Director's fees, allowances & expenses-2
-2
Auditor's fees & expenses (incl. branch
-56
auditors) -66
Law charges
-61
-47
Postage, telegrams, telephones etc. -192
-229
Repairs and Maintenance
-103
-136
Insurance
-181
-236
Other Expenditure
-848
-1,067
Pre-provisions profit
8,011
8,213
Core operating profit
5,638
7,427
Provisions & Contingencies
-476
-2,903
Provision for dimunition in value of investment
3,332
Provision for contingencies
-508
Provision for NPAs
-3,371
-2,395
Bad debts & other expenses ammortised
Other provision & write-offs
-436
Pre-tax profit (before non-recurring 7,536
items)
5,310
Non-recurring items
Tax on non-recurring items
Pre-tax profit (after non-recurring items)
7,536
5,310
Tax (current + deferred)
-2,762
-1,589
Tax provided
-2,762
-1,589
Deferred tax
Net profit
4,774
3,721
Adjusted net profit
4,774
3,721
Prior period adjustments
Expenses
Taxation
Minority interests
Preference dividend
Net income
4,774
3,721
Dividend paid
-424
-424
Tax on dividend paid

FY00

FY01

FY02

FY03

FY04

FY05

FY06

FY07

51,545
25,142
24,171
1,715
517
-35,382
-33,668
-291
-1,423
16,164
7,277
3,817
2,149
7
762
203

58,635
28,235
27,418
1,523
1,459
-38,250
-36,095
-392
-1,764
20,384
7,784
4,193
2,163
4
942
30

66,479
33,179
30,028
2,276
996
-43,526
-41,216
-479
-1,831
22,953
9,777
4,340
3,797
4
922
280

74,850
37,116
32,983
1,794
2,957
-43,613
-41,626
-75
-1,912
31,237
12,503
4,800
6,022
4
951
237

77,797
38,760
36,810
1,131
1,096
-41,550
-39,264
-133
-2,152
36,247
18,669
5,519
11,186
2
1,060
303

84,599
42,461
39,740
1,642
754
-44,531
-41,633
-416
-2,483
40,067
16,757
6,913
3,528
6
1,418
186

95,842
53,415
40,303
1,764
360
-49,174
-46,118
-644
-2,412
46,668
12,735
7,526
2,109
27
1,221
113

112,361
76,439
32,882
2,564
475
-60,229
-56,175
-624
-3,430
52,132
17,304
9,700
3,729
8
1,767
234

340
23,440
-15,239
-11,837
-720
-223
-43
-430
-1
-72
-58
-237
-137
-305
-1,175
8,202
6,053
-2,880
78
-469
-2,490

453
28,169
-18,716
-14,591
-824
-244
-47
-746
-2
-89
-60
-257
-170
-331
-1,356
9,452
7,289
-3,707
-201
-102
-3,405

434
32,730
-17,992
-13,163
-943
-286
-84
-853
-3
-133
-76
-285
-190
-389
-1,587
14,738
10,941
-7,124
352
-1,013
-6,463

489
43,740
-20,567
-14,761
-1,056
-525
-78
-1,290
-3
-156
-86
-313
-199
-461
-1,640
23,173
17,151
-11,337
-1,328
-1,540
-8,470

598
54,916
-23,707
-16,541
-1,200
-351
-108
-1,814
-3
-179
-133
-451
-244
-547
-2,137
31,209
20,023
-13,514
309
-1,417
-12,405

4,707
56,824
-32,780
-24,240
-1,340
-367
-192
-1,833
-7
-215
-116
-475
-293
-841
-2,863
24,045
20,517
-4,989
484

1,739
59,403
-30,232
-21,150
-1,543
-387
-202
-1,866
-7
-207
-92
-557
-391
-1,167
-2,663
29,171
27,062
-8,823
-8,900

1,867
69,436
-33,262
-23,524
-1,734
-395
-180
-1,948
-8
-224
-107
-515
-409
-1,278
-2,940
36,174
32,445
-14,483
-6,749

-2,821

-888

-7,518

5,321

5,745

7,614

11,836

17,695

-2,652
19,056

966
20,348

-217
21,691

5,321
-1,240
-1,240

5,745
-1,108
-1,108

7,614
-1,990
-1,990

11,836
-3,414
-3,414

17,695
-6,608
-6,608

19,056
-4,955
-4,955

20,348
-5,955
-5,955

21,691
-6,291
-6,291

4,081
4,081

4,636
4,636

5,624
5,624

8,422
8,422

11,087
11,087

14,101
14,101

14,393
14,393

15,401
15,401

4,081
-500
-68

4,636
-531
-54

5,624
-637

8,422
-929
-119

11,087
-1,061
-136

14,101
-1,742
-235

14,393
-1,892
-265

15,401
-3,153
-498

FY08

FY09

FY10E

FY11E

FY12E

142,650
104,391
36,113
1,503
643
-87,309
-82,651
-591
-4,066
55,342
19,976
11,062
4,419
11
2,114
53

191,272
145,838
42,650
2,023
761
-122,953
-115,643
-1,195
-6,115
68,319
30,647
13,766
6,647
18
2,943
293

214,669
167,013
45,767
1,492
397
-129,440
-119,656
-541
-9,243
85,229
35,653
16,822
8,033
24
3,136
246

269,512
210,149
56,635
2,252
476
-165,850
-153,882
-1,447
-10,521
103,662
36,745
20,522
4,418
24
3,021
259

335,486
262,141
69,841
2,909
595
-210,848
-196,849
-1,768
-12,231
124,639
43,004
24,627
4,639
24
4,092
272

2,316
75,317
-35,255
-24,615
-1,939
-444
-233
-1,702
-9
-362
-131
-556
-554
-1,408
-3,301
40,062
35,643
-7,103
-1,042

6,980
98,966
-42,062
-29,244
-2,263
-454
-312
-1,911
-14
-310
-153
-766
-669
-1,697
-4,270
56,904
50,257
-9,235
2,163

7,392
120,882
-47,619
-31,211
-2,604
-476
-401
-2,228
-14
-393
-166
-1,011
-772
-2,209
-6,135
73,263
65,229
-14,215
-684

8,500
140,407
-55,897
-35,891
-3,073
-499
-453
-2,794
-15
-471
-186
-1,213
-872
-2,761
-7,668
84,511
80,092
-16,543
-1,500

9,350
167,643
-67,210
-43,038
-3,841
-524
-508
-2,427
-16
-565
-214
-1,516
-1,003
-3,590
-9,969
100,432
95,793
-17,032
-1,000

-5,156

-8,858

-10,536

-15,043

-16,032

-906
32,959

-2,541
47,669

-2,995
59,048

67,968

83,400

32,959
-12,472
-12,472

47,669
-16,760
-16,760

59,048
-19,994
-19,994

67,968
-23,109
-23,109

83,400
-28,773
-28,773

20,488
20,488

30,909
30,909

39,054
39,054

44,859
44,859

54,627
54,627

20,488
-4,099
-697

30,909
-6,306
-1,072

39,054
-6,937
-1,164

44,859
-4,730
-804

54,627
-4,730
-804

FY13E

FY14E

+
+

+
+
+
+
+
+
+
+

+
+
+

+
+
+

+
+
+
+

+
+
+

+
+
+
+

+
+
+
+

Year ended 31 Mar (Rs m)


FY98
FY99
Balance Sheet
Cash and balance with RBI
49,000
50,159
Balances with Banks and Money at call
5,980
& short notice
8,236
Investments
159,077
185,732
Government securities
101,057
123,263
Other approved securities
30,416
28,273
Equity shares
991
3,637
Debentures & Bonds
23,165
26,982
Preference shares
Units
1,543
1,215
Subsidiaries/Joint Ventures/Partnership
1,890
2,272
Other Investments
15
90
Less: Prov for dimunition in value of investment
Advances
160,426
190,474
Break-up 1
160,426
190,474
Bills purchased & discounted
13,638
14,895
Cash credit, Overdrafts & Loans repayable
98,452 on108,238
demand
Term loans
48,337
67,340
Break-up 2
160,426
190,474
Secured by tangible assets
149,917
183,363
Covered by bank/govt guarantees 9,188
4,575
Unsecured
1,321
2,535
Break-up 3
160,427
190,474
I Advances in India
160,427
190,474
Priority sector advances
52,754
65,951
Public sector advances
17,451
24,168
Banks
121
121
Others
90,102
100,234
II Advances outside India
Advances outside India to others
Syndicated loans
Bills purchased & discounted (foreign)
Fixed assets (Net block)
5,953
6,171
Gross block
8,302
8,992
Land + buildings
5,031
5,272
Plant + equipment
Other tangible fixed assets
3,271
3,720
Intangible fixed assets
Less: Depreciation
-2,349
-2,821
Add: Capital WIP
Other assets
17,623
22,464
Inter office adjustments
Interest accrued
6,628
7,086
Deferred tax assets
5,232
7,232
Others (net of provisions)
5,763
8,146
Total assets
398,058
463,235

Deposits
351,736
Demand deposits
37,718

from banks
997
+
from others
36,721
+
115,648
+ Savings deposits
Term deposits
198,369

from banks
7,010
+
from others
191,359
+
Borrowings
2,648
+ from RBI
66
+ from other banks
+ from other institutions & agencies 2,458
124
+ from outside india
Other liabilities and provisions
27,133
5,947
+ Bills payable
7,543
+ Inter office adjustments
4,590
+ Interest accrued
3,899
+ Subordinate debt bonds
+ Deferred tax liabilities
2,762
+ Tax payable
424
+ Dividends payable
+ Tax on dividend payable

407,771
48,461
1,180
47,282
136,791
222,519
8,480
214,040
1,975
55
1,727
193
34,191
6,319
4,626
6,958
7,898
1,589
424

FY00

FY01

FY02

FY03

FY04

FY05

FY06

FY07

54,774
7,526
220,991
160,893
26,244
3,253
26,507

53,656
7,036
251,284
184,373
25,007
2,572
34,644

51,014
12,969
282,072
193,043
24,594
3,439
53,829

65,685
15,087
340,300
253,377
24,089
2,701
54,584

67,423
20,782
421,255
330,688
23,432
2,667
57,663

94,602
16,288
506,728
411,903
22,154
4,290
60,426

233,946
13,971
410,553
334,193
12,217
4,818
49,801

123,720
32,735
451,898
366,310
9,897
7,549
43,056

1,464
2,542
88

2,471
2,131
87

4,946
2,120
101

3,257
2,198
94

4,652
2,059
94

4,711
3,150
94

4,149
5,345
31

19,705
5,351
31

225,717
225,717
19,030
126,861
79,827
225,717
216,339
3,354
6,023
225,717
225,717
83,232
30,653
103
111,729

280,291
280,291
24,272
157,303
98,715
280,291
265,034
3,870
11,387
280,291
280,291
108,567
44,083
282
127,358

343,694
343,694
24,601
184,782
134,311
343,694
326,007
4,934
12,753
343,694
343,694
134,413
62,245
380
146,656

402,281
402,281
28,787
209,011
164,483
402,281
367,139
6,623
28,519
402,281
402,281
160,336
68,602
2,374
170,969

472,247
472,247
28,033
218,124
226,090
472,247
421,229
3,643
47,375
472,247
472,247
207,345
65,187
2,054
197,661

604,128
604,128
34,539
281,960
287,629
604,128
507,361
5,680
91,086
604,126
604,126
282,685
67,601
261
253,579

746,274
746,274
37,405
327,930
380,939
746,274
627,954
7,067
111,252
746,272
746,272
340,934
56,226
242
348,870

965,965
965,965
46,314
431,610
488,041
965,965
811,377
13,325
141,263
965,962
965,962
365,276
124,943
2,602
473,141

6,805
10,073
5,846

7,239
11,283
5,933

7,585
12,481
6,113

8,847
14,823
6,542

8,998
16,459
6,735

9,652
18,756
7,079

10,302
21,069
7,403

10,098
22,477
7,444

4,227

5,350

6,367

-3,268

-4,043

-4,896

7,568
713
-5,976

9,366
359
-7,461

11,302
375
-9,104

13,216
451
-10,767

14,638
395
-12,379

25,473

35,545

31,813

30,017

32,612

31,014

37,628

39,808

8,138
8,334
9,001
541,286

8,632
8,817
18,096
635,051

10,202
4,390
17,221
729,147

10,679
11,565
13,100
12,411
12,291
2,273
5,106
3,233
6,908
7,016
17,065
15,941
14,681
18,310
20,501
862,218 1,023,317 1,262,413 1,452,674 1,624,225

474,832
54,370
1,518
52,852
158,754
261,708
9,778
251,930
6,624
5,134
108
1,320
63
37,103
7,058
3,333
3,189
8,498

561,311
63,114
1,477
61,637
185,301
312,897
12,424
300,473
6,732
3,000
437
3,224
71
40,316
7,445
1,167
3,742
8,898

641,235
67,584
1,112
66,472
216,642
357,009
13,162
343,847
4,086
2,690
320
1,032
44
51,664
8,665
664
4,526
11,799

758,135
98,883
1,660
97,223
256,479
402,773
4,848
397,925
6,622

1,240
500
68

1,108
531
54

1,990
637

1,842
3,767
1,013
57,132
9,482
342
4,933
15,929
26,446
3,414
929
119

879,164 1,031,669 1,196,849 1,398,597


99,004
124,666
167,238
164,657
1,432
12,357
14,384
13,311
97,572
112,309
152,853
151,346
304,226
353,411
419,082
480,886
475,934
553,592
610,529
753,053
7,178
8,512
7,823
8,100
468,756
545,080
602,706
744,953
12,891
27,183
66,872
19,489
43
86
47,200
6,000
5,725
4,573
321
216
492
5,266
7,403
3,131
6,631
17,257
11,948
10,142
81,145
121,948
95,189
101,785
13,956
14,193
18,143
9,505
3,737
2,119
3,898
12,996
4,617
4,788
1,935
2,455
23,579
23,429
19,350
36,948
304
6,608
4,955
5,955
6,291
1,061
1,742
1,892
3,153
136
235
265
498

Year ended 31 Mar (Rs m)


FY98
1,969
+ Other liabilities (including provisions)
Total liabilities
381,517

+
+
+
+
+
+
+

Total shareholders' funds


16,541
Paid-up capital
2,122
Reserves & surplus
14,419
Statutory reserve
2,704
Capital reserve
1,863
Share premium
Revaluation reserve
3,755
Revenue reserve
6,097
Investment fluctuation reserve
Other reserves
Less: Misc. expenditure
Shareholders' funds
16,541
Minorities interests
Total equity & liabilities
398,058

FY99
6,378
443,937

FY00
13,217
518,560

FY01
17,369
608,359

FY02
23,384
696,985

FY03
-4,461
821,888

19,298
2,122
17,175
3,448
130

22,726
2,122
20,603
4,468
130

26,692
2,122
24,570
5,627
137

32,162
2,122
30,040
7,033
556

3,638
8,650
1,310

3,552
11,107
1,345

3,467

3,381

40,330
2,653
37,677
9,139
557
1,114
3,296

50,118
2,653
47,465
11,910
580
1,114
3,210

81,613
3,153
78,460
15,436
1,555
20,114
3,125

1,345
13,994

3,101
15,968

5,001
18,570

9,650
21,000

40,330

50,118

19,298

22,726

26,692

32,162

463,235

541,286

635,051

729,147

FY04
FY05
FY06
FY07
27,451
70,489
43,448
29,939
973,199 1,180,800 1,358,910 1,519,870
93,764
3,153
90,611
19,034
1,858
20,114
3,024
44,745

104,355
3,153
101,202
22,884
2,359
20,114
2,938
52,751

19,023
19,206

1,835

155

81,613

93,764

104,355

862,218 1,023,317 1,262,413 1,452,674 1,624,225

FY08

FY09

FY10E

FY11E

FY12E

152,582
35,726
539,917
442,167
8,011
8,692
40,067

170,583
43,549
633,852
545,308
6,674
12,057
44,704

183,276
51,460
777,245
659,704
4,922
17,429
30,327

192,440
135,744
943,839
763,278
57,181
19,520
32,753

202,062
196,918
1,132,256
883,113
114,336
21,472
35,373

33,431
5,351
2,198

13,567
5,395
6,147

4,856
60,006

5,099
66,007

5,354
72,608

1,195,016
1,195,016
43,678
559,371
591,966
1,195,016
977,067
16,944
201,005
1,194,683
1,194,683
462,169
128,614
6,249
597,650

1,547,030
1,547,030
44,000
689,179
813,852
1,547,030
1,271,285
60,942
214,803
1,508,780
1,508,780
492,123
114,218
2,456
899,983

1,866,012
1,866,012
44,588
822,071
999,354
1,866,012
1,643,527
24,269
198,216
1,796,281
1,796,281
666,155
116,293
10,890
1,002,943

2,270,014
2,270,014
51,276
1,069,482
1,149,257

2,767,779
2,767,779
58,967
1,387,166
1,321,645

23,155
36,996
20,553

23,971
39,304
20,931

25,135
41,902
21,001

25,560
45,121
22,051

26,645
48,634
23,153

16,084
360
-13,841

17,909
464
-15,332

20,370
531
-16,767

22,407
663
-19,562

24,648
832
-21,989

43,808

50,202

63,201

68,566

73,482

14,174
12,632
17,002
1,990,204

15,142
11,445
23,615
2,469,186

16,895
15,117
31,188
2,966,328

17,933
16,327
34,307
3,636,163

18,116
17,633
37,733
4,399,141

1,664,572
177,912
15,429
162,483
537,697
948,964
17,585
931,379
54,466
21,500
345
1,599
31,022
147,982
21,131
3,860
3,248
61,648

2,097,605
188,139
14,386
173,753
626,460
1,283,006
42,582
1,240,424
43,744
354
3,343
40,046
181,301
26,447
1,616
3,244
80,853

2,493,298
237,172
17,633
219,539
781,328
1,474,798
25,839
1,448,959
85,721
29,486
303
3,554
52,377
210,080
23,043
2,255
3,438
106,903

3,047,783
272,748
19,397
253,351
961,034
1,814,002
28,423
1,785,578
107,151
29,486
319
3,839
73,507
264,675
29,740
2,368
4,102
126,903

3,719,311
305,477
21,336
284,141
1,191,682
2,222,152
31,266
2,190,886
128,581
29,486
334
4,107
94,653
285,601
32,432
2,486
4,655
141,903

12,472
4,099
697

16,760
6,306
1,072

19,994
6,937
1,164

23,109
4,730
804

28,773
4,730
804

FY13E

FY14E

FY08
40,828
1,867,020

FY09
45,002
2,322,650

FY10E
46,346
2,789,099

FY11E
72,919
3,419,609

FY12E
69,819
4,133,493

123,183
3,153
120,030
28,006
3,198
20,114
15,357
53,355

146,536
3,153
143,383
35,733
5,954
20,114
15,137
65,296
1,071
76

177,229
3,153
174,076
45,497
10,196
20,114
14,920
78,193
1,071
4,086

216,554
3,153
213,401
56,711
27,220
20,114
14,920
77,122

265,648
3,153
262,495
70,368
44,244
20,114
14,920
77,122

17,314

35,726

123,183

146,536

177,229

216,554

265,648

1,990,204

2,469,186

2,966,328

3,636,163

4,399,141

FY13E

FY14E

Year ended 31 Mar (Rs m)


FY98
Ratios: Fundamentals
Operational & financial ratios
Reported EPS (Rs)
17.0
Adjusted EPS (Rs)
17.0
FDEPS (Rs)
17.0
DPS (Rs)
1.5
Book NAV/share (Rs)
45.4
Adjusted Book NAV/share (Rs)
10.0
Tax rate (%)
36.7
Dividend payout ratio (%)
8.9
Growth ratios
Optg profit growth (%)
PBT growth (%)
Adjusted net profit growth (%)
Adjusted EPS growth (%)
Profitability ratios
Yield on investment (%)
11.4
Yield on advances (%)
13.5
Yield on earning assets (%)
11.1
Cost of deposits (%)
7.2
Cost of funds (%)
7.5
Net interest margin (%)
3.6
Operating income/Equity (x)
1.5
Operating profit margin (%)
41.5
Fee income/Operating revenue (%)
14.5
Interest spread (%)
3.6
Performance ratios
ROA (%)
1.2
ROE (%)
37.3
ROE/Cost of capital (x)
2.1
ROE - Cost of capital (%)
19.8
Deposit profile ratios
Demand (%)
10.7
Savings (%)
32.9
Time (%)
56.4
Asset quality ratios
Gross NPLs (%)
15.1
Net NPLs (%)
9.6
Net NPLs/Net worth (%)
120.1
Loan provisions/Net int. income (%) 26.1
Loan provisions/Avg loans (%)
2.0
Provisions cover (%)
40.4
Provisions cover [incl General Provisions]
40.4(%)
Capitalisation ratios
Tier I cap.adequacy (%)
Total cap.adequacy (%)
Equity/Total assets (%)
0.5
Loans/Assets (%)
40.3
Investments/Assets (%)
40.0
Loans/Deposits (%)
45.6
Investments/Deposits (%)
45.2
Efficiency ratios
Cost/Income (%)
58.5
Cost/Core income (%)
66.7
Cost/Assets (%)
2.8
Productivity ratios
Staff cost per employee (Rs m)
Assets per employee (Rs m)
Optg revenue per employee (Rs m)
Optg expense per employee (Rs m)
Adjusted net profit per employee (Rs m)
Valuation ratios
PER (x)
8.6
PEG (x) - y-o-y growth
n/a
Price/Book (x)
3.2
Price/Adjusted book (x)
14.7
Yield (%)
1.0
[ROE/COE]/[Price/Adjusted book] (x)
0.1
Market Capitalisation/Equity (x)
3.6

FY99

FY00

FY01

FY02

FY03

FY04

FY05

FY06

FY07

17.5
17.5
17.5
2.0
73.8
21.5
29.9
11.4

19.2
19.2
19.2
2.4
92.8
37.2
23.3
13.9

21.8
21.8
21.8
2.5
112.5
58.3
19.3
12.6

26.5
26.5
26.5
3.0
139.4
85.5
26.1
11.3

35.3
35.3
35.3
3.9
159.1
118.1
28.8
12.4

41.8
41.8
41.8
4.0
182.1
171.3
37.3
10.8

48.6
48.6
48.6
6.0
279.2
276.6
26.0
14.0

45.6
45.6
45.6
6.0
296.8
292.5
29.3
15.0

48.8
48.8
48.8
10.0
335.4
320.3
29.0
23.7

2.5
-29.5
-22.0
3.4

-0.1
0.2
9.7
9.7

15.2
8.0
13.6
13.6

55.9
32.5
21.3
21.3

57.2
55.4
49.8
33.1

34.7
49.5
31.6
18.5

-23.0
7.7
27.2
16.2

21.3
6.8
2.1
-6.0

24.0
6.6
7.0
7.0

11.5
13.7
11.5
7.0
7.2
4.3
1.5
37.4
14.9
4.2

11.9
13.2
11.4
7.6
7.8
3.6
1.3
35.0
16.3
3.6

11.6
12.1
11.0
7.0
7.2
3.8
1.3
33.6
14.9
3.9

11.3
11.3
10.7
6.9
7.1
3.7
1.2
45.0
13.3
3.6

10.6
10.4
10.1
5.9
6.1
4.2
1.3
53.0
11.0
4.1

9.7
9.1
8.7
4.8
4.9
4.1
1.3
56.8
10.0
3.8

8.6
7.9
7.7
4.4
4.5
3.6
0.9
42.3
12.2
3.2

8.8
7.9
7.3
4.1
4.2
3.6
0.7
49.1
12.7
3.1

7.6
9.0
7.6
4.3
4.4
3.5
0.7
52.1
14.0
3.2

0.9
26.2
1.5
8.7

0.8
23.1
1.3
5.6

0.8
21.3
1.4
5.8

0.8
21.0
1.6
7.5

1.1
24.9
2.0
12.4

1.2
25.7
2.1
13.7

1.2
21.8
2.0
10.8

1.1
16.5
1.5
5.5

1.0
15.5
1.2
2.5

11.9
33.5
54.6

11.5
33.4
55.1

11.2
33.0
55.7

10.5
33.8
55.7

13.0
33.8
53.1

11.3
34.6
54.1

12.1
34.3
53.7

14.0
35.0
51.0

11.8
34.4
53.8

14.0
9.0
109.0
14.5
1.3
39.7
39.7

13.1
8.5
97.4
15.4
1.1
38.7
40.3

11.7
6.7
78.3
16.7
1.3
45.9
47.8

11.3
5.3
61.2
28.2
1.9
56.3
58.2

11.4
3.8
40.2
27.1
2.1
69.3
71.3

9.1
1.0
9.3
34.2
2.6
90.4
93.4

5.8
0.2
1.5
7.0
0.5
96.8
103.6

4.0
0.3
2.2
1.9
0.1
93.3
102.3

3.4
0.8
6.9
14.4
0.9
78.6
91.4

0.5
41.1
40.1
46.7
45.5

10.3
10.3
0.4
41.7
40.8
47.5
46.5

6.8
10.2
0.3
44.1
39.6
49.9
44.8

6.3
10.7
0.3
47.1
38.7
53.6
44.0

7.1
12.0
0.3
46.7
39.5
53.1
44.9

7.0
13.1
0.3
46.1
41.2
53.7
47.9

8.9
14.8
0.2
47.9
40.1
58.6
49.1

10.1
12.0
0.2
51.4
28.3
62.4
34.3

8.9
12.3
0.2
59.5
27.8
69.1
32.3

62.6
64.9
3.2

65.0
71.6
3.0

66.4
72.0
3.2

55.0
62.2
2.6

47.0
54.5
2.6

43.2
54.2
2.5

57.7
61.5
2.9

50.9
52.8
2.2

47.9
50.6
2.2

0.37
16.72
0.72
0.47
0.13

0.24
10.32
0.46
0.30
0.08

0.23
12.55
0.56
0.31
0.10

0.25
14.76
0.75
0.35
0.14

0.28
17.37
0.93
0.40
0.19

0.41
21.55
0.97
0.56
0.24

0.36
24.97
1.02
0.52
0.25

0.41
28.16
1.20
0.58
0.27

7.6
0.8
1.6
3.9
1.6
0.3
2.6

6.7
0.5
1.3
2.5
1.7
0.5
2.1

5.5
0.3
1.1
1.7
2.0
0.9
1.7

4.2
0.1
0.9
1.2
2.7
1.6
1.4

3.5
0.2
0.8
0.9
2.7
2.5
1.1

3.0
0.2
0.5
0.5
4.1
3.7
0.7

3.2
n/a
0.5
0.5
4.1
3.0
0.5

3.0
0.4
0.4
0.5
6.8
2.6
0.5

8.4
2.5
2.0
6.8
1.4
0.2
3.2

Year ended 31 Mar (Rs m)


Market Capitalisation/Deposits (x)
Market Capitalisation/Loans (x)
Market Capitalisation/Business (x)
GEM (x) - y-o-y growth

FY98
0.1
0.3
0.1

FY99
0.1
0.3
0.1
0.4

FY00
0.1
0.2
0.1
1.3

FY01
0.1
0.2
0.1
2.0

FY02
0.1
0.2
0.1
3.8

FY03
0.1
0.1
0.0
8.0

FY04
0.1
0.1
0.0
5.3

FY05
0.0
0.1
0.0
5.4

FY06
0.0
0.1
0.0
n/a

FY07
0.0
0.1
0.0
2.3

FY08

FY09

FY10E

FY11E

FY12E

65.0
65.0
65.0
13.0
360.2
344.4
37.8
23.4

98.0
98.0
98.0
20.0
437.0
430.9
35.2
23.9

123.9
123.9
123.9
22.0
537.3
516.7
33.9
20.7

142.3
142.3
142.3
15.0
666.9
639.4
34.0
12.3

173.3
173.3
173.3
15.0
827.7
792.8
34.5
10.1

10.7
51.9
33.0
33.0

42.0
44.6
50.9
50.9

28.7
23.9
26.4
26.4

15.4
15.1
14.9
14.9

18.8
22.7
21.8
21.8

7.3
9.7
8.2
5.4
5.4
3.2
0.7
53.2
14.7
2.8

7.3
10.7
8.9
6.1
6.1
3.2
0.8
57.5
13.9
2.7

6.5
9.8
8.2
5.2
5.3
3.2
0.8
60.6
13.9
2.9

6.6
10.2
8.4
5.6
5.6
3.2
0.7
60.2
14.6
2.9

6.7
10.5
8.6
5.8
5.8
3.2
0.7
59.9
14.7
2.8

1.1
18.7
1.4
5.7

1.4
24.6
1.9
11.6

1.4
25.4
2.0
12.4

1.4
23.6
1.8
10.6

1.4
23.2
1.8
10.2

10.7
32.3
57.0

9.0
29.9
61.2

2.7
0.6
6.6
9.3
0.5
77.3
94.6

1.6
0.2
2.1
13.0
0.6
88.4
113.8

1.7
0.5
5.8
12.4
0.6
67.8
89.9

2.0
0.6
6.2
14.5
0.7
72.0
90.4

2.1
0.6
6.4
12.9
0.6
72.0
89.2

9.0
13.5
0.2
60.0
27.1
71.8
32.4

9.0
14.0
0.1
62.7
25.7
73.8
30.2

9.0
14.0
0.1
62.9
26.2
74.8
31.2

8.5
13.9
0.1
62.4
26.0
74.5
31.0

8.8
13.7
0.1
62.9
25.7
74.4
30.4

46.8
49.7
2.0

42.5
45.6
1.9

39.4
42.2
1.8

39.8
41.1
1.7

40.1
41.2
1.7

0.43
35.12
1.33
0.62
0.36

0.51
43.23
1.73
0.74
0.54

0.54
50.96
2.08
0.82
0.67

0.61
62.20
2.40
0.96
0.77

0.73
74.68
2.85
1.14
0.93

2.3
0.1
0.4
0.4
8.9
3.4
0.4

1.5
0.0
0.3
0.3
13.6
5.6
0.4

1.2
0.0
0.3
0.3
15.0
6.9
0.3

1.0
0.1
0.2
0.2
10.2
7.9
0.2

0.8
0.0
0.2
0.2
10.2
9.6
0.2

9.5
31.3
59.2

8.9
31.5
59.5

FY13E

FY14E

-100.0
-100.0
-100.0

#VALUE!

-5.0

#VALUE!
#VALUE!

n/a

n/a

#VALUE!
0.4

#VALUE!
#DIV/0!

8.2
32.0
59.7

FY08
0.0
0.0
0.0
14.6

FY09
0.0
0.0
0.0
34.0

FY10E
0.0
0.0
0.0
22.3

FY11E
0.0
0.0
0.0
14.4

FY12E
0.0
0.0
0.0
25.7

FY13E
0.0
0.0
0.0

FY14E
#DIV/0!
#DIV/0!
#DIV/0!

Punjab National Bank Model Summary


CAPITAL AND LIABILITIES

FY95

FY96

Capital
Equity Authorised
Equity Issued
Equity Paid Up (Issued - Calls in Arrears)
Promoter Stake (GOI)

Rs mn
Rs mn
Rs mn
Rs mn
%

Share Application Money

Rs mn

Reserves and Surplus


Other Statutory Reserve
Capital Reserves
Share Premium
Revenue & other Reserves
Investment Fluctuation Reserve
As % of Investments
Special Reserve u/s 36(1) viii a
Other Reserves
TOTAL RESERVES EXCLUDING REVALUATION RESERVE
Revaluation Reserve
TOTAL RESERVES AND SURPLUS

Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
%
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn

#DIV/0!

Networth

% Chg

FY97

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

3,506
0.00
0.00
3505.71
100.00

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

1,749
130
4,196
-

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Rs mn

#DIV/0!

9,581

External Funding
Of Which low Cost Funds
As % of Funding

Rs mn
Rs mn
%

#DIV/0!

#DIV/0!
#DIV/0!

315,412
127,050
40

Deposits
Demand Deposits
From Banks
From Non-Banks
Saving Deposits
Term & Other Deposits
From Banks
From Non-Banks
TOTAL DEPOSITS
Deposits from Banks
Deposits from Non-Banks

Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

32,703
821
31,882
94,347
181,014
5,879
175,135
308,064
6,700
301,364

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

273
3,068
107
3,449

#DIV/0!

3,899

#DIV/0!
#DIV/0!

21,599
8,385
60.8
2,514
2,012
7.7
8,689

Borrowings
Borrowings in India - RBI
Borrowings in India -Other Banks
Borrowings in India -Other agencies
Borrowings outside India
TOTAL BORROWINGS

Rs mn
Rs mn
Rs mn
Rs mn
Rs mn

Subordinate Debt

Rs mn

Other Liabilities & Provisions (Excl Subord Debt)


Rs mn
Bills Payable
Rs mn
(as a % of Bills Purchased & Discounted)
%
Inter Office Adjustment (Net)
Rs mn
Interest Accrued
Rs mn
(As % of Ending Deposits + Borrowings + Subordinate Debt) Annualised
%
Deferred Tax
Rs mn
Other Liabilities (Including Provisions)
Rs mn

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

6,076
3,839
9,915

Of which General Provisions


(As % of Ending Advances)
Of which Dividends
Residual Other Liabilities
TOTAL Liabilities

Rs mn
%
Rs mn
Rs mn
%
Rs mn

#DIV/0!
-

#DIV/0!
-

OK

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

485
8,204

#DIV/0!

350,432
OK

#DIV/0!
#DIV/0!
#DIV/0!

36,546
9,615
46,161
14.64

OK

ASSETS
Cash & Balances with RBI
Balances with Banks & money at Call & Short Notice
Total Cash
Effective CRR Balance
Of which Money in Deposit Accounts
Non-Deposit Cash Balances
Adjusted Effective CRR Balance

Rs mn
Rs mn
Rs mn
%
Rs mn
Rs mn
%

Investments
Quoted Government Securities
Other Approved Secutires
SLR Securities
Effective SLR Ratio
Shares
Debentures & Bonds
Investment in Subsidiaries
Units
Other Investments (OUTSIDE India)
TOTAL INVESTMENTS

Rs mn
Rs mn
Rs mn
%
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn

Advances
Breakup-1
Bills Purchased & Discounted
Cash Credit, Overdrafts & Loans Repayable on demand
Term Loans
Breakup-2
Secured by Tangible Assets
Covered by Bank/Govt Guarantees
Unsecured
Breakup-3
A Advances in India
Priority Sector Advances
Public Sector Advances
Banks
Others
B Advances Outside India
Advances outside India to Others
Syndicated Loans
Bills Purchased & Discounted (Foreign)

Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn

Fixed Assets
Premises
Other Fixed Assets
Gross Block
Gross Block (per branch)
Accumulated Depreciation
Effective Depr Rate
Net Block
Capital Work-in-Progress

Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
%
Rs mn
Rs mn

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
-

#DIV/0!
-

46,161
14.64

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

89,741
28,862
118,603
37.6
617
16,228
1,495
2,815
8
139,766

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

140,669
140,669
13,784
88,942
37,942
140,669
133,065
6,181
1,423
140,669
140,669
43,799
14,949
516
81,405
-

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

4,933
2,891
7,824
#DIV/0!
1,958
25.0
5,867

Intangible Assets
Goodwill
Computer Software (gross)
Amortisation to date
Computer Software (net)

Rs mn
Rs mn
Rs mn
Rs mn

TOTAL FIXED ASSETS


Fixed Assets where-in trsf incomplete

Rs mn
Rs mn

Other Assets
Inter Office adjustments(Net)
Interest Accrued on Investments
(as % of NET Investments)
(In Months)
Advance Tax Paid/TDS
Tax (as a % of Total Next year Tax)
Stationary & stamps
Others (excl VRS Exps C/f)
Deferred Tax Asset
VRS Exps C/f
TOTAL OTHER ASSETS

Rs mn
Rs mn
%
Months
Rs mn
%
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn

TOTAL Assets

Check

Contingent Liabilities
Claims not acknowledged as debt
Bills Discounted
Uncalled liability on investments
On account of outstanding forward exch.contracts
As % of Gross Advances
Guarantees given in India
Guarantees given outside India
Acceptances, Endorsements etc
Others

Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn

Bills for collection

Rs mn

P&L

#DIV/0!

5,867

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

5,654
4.05
2.22
6,710
242.9
202
5,403
-

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!

Rs mn

Check

#DIV/0!
#DIV/0!

17,969

#DIV/0!

350,432

OK

OK
-

#DIV/0!

OK
-

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

66,558
7,138
5
21,305
15.1
17,839
3,364
15,940
967

#DIV/0!

FY95

FY96

FY97

I. INCOME :
Interest Earned
Interest/Discount on Advance/Bills
Yield on Advances
Income on Investments
Yield on Investments
Interest on Balance with RBI & Others
Yield on Cash
Others

Rs mn
Rs mn
%
Rs mn
%
Rs mn
%
Rs mn

Interest expended
Interest on Deposits
Cost of Total Deposits
Cost of Term Deposits
Interest on RBI/Inter-Bank Borrowings

Rs mn
Rs mn
%
%
Rs mn

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
-

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

36,540
19,541
27.78
15,254
21.83
1,688
7.32
56
24,387
23,426
15.21
21.71
58

Cost of Borrowings
Other Interest
Cost of Subordinate Debt

%
Rs mn
%

#DIV/0!

NII
NIM

Rs mn
%

Other Income
Commission , Exchange & Brokerage
Profit on sale of Investment(Net)
Profit on sale of Fixed Assets
Profit on Exchange Transactions(Net)
( as % of Avg O/s Forex Contracts Business)
Income from Subsidiaries
Provision Written Back
Miscellaneous Income

Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
%
Rs mn
Rs mn
Rs mn

Non Core Income


(as % of Other Income)

Rs mn
%

#DIV/0!

Total Income
Total Net Income

Rs mn
Rs mn

Operating Expenses
Reported Payments to / Provisions for employees
Less VRS Expenses
Actual Payments to / Provisions for employees
Salary per employee
Rent, Taxes & Lighting
Printing and Stationery
Advertisement & Publicity
Depreciation on Bank s property
Director s fees,allowances & expenses
Auditor s fees & expenses (incl. branch audits)
Law charges
Postage,telegrams,telephone etc.
Repairs and Maintenance
Insurance
Other Expenditure

Rs mn
Rs mn
Rs mn
Rs mn
Rs 000
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn

Operating Profits
Provisions & Contingencies & Write offs
Provision of Dimunition in value of invest
Provision for Contingencies
Provision for NPAs
of which Provn on Std Asets
As % of performing Advances
of which Provn on Restructured Assets
Bad debts & Other Exp.Ammortised
Other Provisions & Write Offs
Loss on sale of assets
TOTAL PROVISIONS & CONTINGENCIES

Rs mn

Rs mn
Rs mn
Rs mn
Rs mn
%
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn

Profit Before Tax

Rs mn

Provision for Tax


Effective Tax Rate
Adj Eff Tax Rate

Rs mn

#DIV/0!
#DIV/0!
#DIV/0!
-

#DIV/0!

12,153
7.44

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

4,688
2,484
343
7
731
3.43
61
1,063

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

349
7

#DIV/0!
#DIV/0!

41,228
16,841

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

10,644
8,110
8,110
#DIV/0!
473
184
16
288
2
31
48
158
88
420
827

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
-

6,197
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

3.39
903
23.16

0
1,941
-

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

2,591

#DIV/0!

3,606

#DIV/0!

1,229
34.07
34.07

#DIV/0!
#DIV/0!

649

Net Profit for the year

Rs mn

#DIV/0!

2,377

Adjustements
VRS Exps
IPO Exps
Adhoc Provisions
Def Tax
Provisions towards IFR

Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn

#DIV/0!
#DIV/0!

Reported PAT
Check Reported PAT
Check

Rs mn
Rs mn

OK

OK

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

2,377
2,377
OK

#DIV/0!
#DIV/0!

2,377
485
20.41
20.41
1,407
485
485

Net profit for the year


Transferred from other reserves
Total

APPROPRIATIONS
Transfer to Statutory Reserves
( As % of Reported PAT)
( As % of Adjusted PAT)
Appropriation to Capital Redemption Reserve
Appropriation to Other Reserves
Appropriation to IFR
Proposed Dividend / Transfer to Government
Equity Dividend
Preference Dividend
Corporate Dividend Tax
Divd Rate
Divd P/O (reported)
Divd P/O (Actual))
Prior Year Adjustments
Depreciation provided /( Written back)
Prior Year Expenses/(Income)
VRS compensation
Short/(Excess) provision for tax
Other adjustments
Balance D/f to B/S

Rs mn
Rs mn

#DIV/0!
#DIV/0!
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs / Shr
%
%
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn

#DIV/0!
#DIV/0!
#DIV/0!
-

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
-

1.38
20.41
20.41
-

#DIV/0!

Actual Divd Rate


Reported EPS
Actual EPS
Variance

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

14
#DIV/0!

Reported BV
Actual BV
Variance

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

27
#DIV/0!

Dividend rate
Dividend payout (In Rs mn)
Dividend tax %

13.8
485.2
14.0

Dividend tax Rs
Total Payout
Payout Ratio
Internal accruals
Reserves & Surplus
CHECK reserves & surplus
Shares Data
Unadj. shares (m)
Wtd avg shares (m)
Fully diluted shares (m)
Foreign ownership: Limit (%)
Foreign ownership: Actual (%)

68.0
553.2
23.3
1,823.9
6,076
1,824

350.57
175.29
175.29

% Chg

FY98

% Chg

FY99

% Chg

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

2,122
0.00
0.00
2122.41
100.00

(39.5)
#DIV/0!
#DIV/0!
(39.5)

2,122
0.00
0.00
2122.41
100.00

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

2,704
1,863
6,097
-

54.6
1,327.8
#DIV/0!
45.3
#DIV/0!

3,448
130
8,650
1,310
0.71

% Chg

FY01

#DIV/0!
#DIV/0!
-

2,122
0.00
0.00
2122.41
100.00

#DIV/0!
#DIV/0!
-

27.5
(93.0)
#DIV/0!
41.9
#DIV/0!

4,468
130
11,107
1,345
0.61

29.6
#DIV/0!
28.4
2.7

5,627
137
1,345
0.54

#DIV/0!
#DIV/0!
-

25.9
4.7
#DIV/0!
(100.0)
-

10,664
3,755
14,419

76
(2.2)
45.4

13,537
3,638
17,175

27
(3.1)
19.1

17,051
3,552
20,603

26
(2.3)
20.0

#DIV/0!

12,786

33.4

15,660

22.5

19,174

22.4

23,225

21.1

#DIV/0!
#DIV/0!

358,283
153,366
43

13.6
20.7

417,644
185,252
44.36

16.6
20.8

489,954
213,124
43.50

17.3
15.0

576,942
248,415
43.06

17.8
16.6

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

37,718
997
36,721
115,648
198,369
7,010
191,359
351,736
8,007
343,728

15.3
21.4
15.2
22.6
9.6
19.2
9.3
14.2
19.5
14.1

48,461
1,180
47,282
136,791
222,519
8,480
214,040
407,771
9,659
398,112

28.5
18.3
28.8
18.3
12.2
21.0
11.9
15.9
20.6
15.8

54,370
1,518.1
52,851.9
158,754.1
261,708
9,778.4
251,929.9
474,832.3
11,296
463,536

12.2
28.7
11.8
16.1
17.6
15.3
17.7
16.4
16.9
16.4

63,114
1,477
61,637
185,301
312,897
12,424
300,473
561,311
13,901
547,410

16.1
(2.7)
16.6
16.7
19.6
27.1
19.3
18.2
23.1
18.1

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

66
2,458
124
2,648

3,000
437
3,224
71
6,732

(41.6)
305.4
144.2
12.7
1.6

#DIV/0!

3,899

7,898

102.6

8,498

7.6

8,898

4.7

#DIV/0!
#DIV/0!

23,234
5,947
43.6
7,543
4,590
15.4

7.6
(29.1)

26,293
6,319
42.4
4,626
6,958
20.0

13.2
6.3

28,606
7,058
37.1
3,333
3,189
7.8

8.8
11.7

31,417
7,445
30.7
1,167
3,742
7.8

9.8
5.5

#DIV/0!
#DIV/0!

5,155

200.1
128.1
#DIV/0!
(40.7)

55
1,727
193
1,975

8,391

#DIV/0!
(16.6)
(29.7)
55.2
(25.4)

(38.7)
51.6
#DIV/0!
62.8

#DIV/0!
#DIV/0!

2,122
0.00
0.00
2122.41
100.00

13,994
21,103
3,467
24,570

#DIV/0!
(76.0)
(19.9)
15.8
(23.2)

#DIV/0!
#DIV/0!

% Chg

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

FY00

5,134
108
1,320
63
6,624

15,024

#DIV/0!
97.0
(23.6)
(67.4)
235.4

(27.9)
(54.2)
#DIV/0!
79.1

19,062

#DIV/0!
#DIV/0!
24
(2.4)
19.2

(65.0)
17.3
#DIV/0!
26.9

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

424
4,731

#DIV/0!

398,058

#DIV/0!
#DIV/0!
(12.5)
(42.3)
13.6

OK

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

49,000
5,980
54,979
15.35
54,979
15.35

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

160,426
160,426
13,638
98,452
48,337
160,426
149,917
9,188
1,321
160,427
160,427
52,754
17,451
121
90,102
-

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
0.0
68.4

463,235

16.4

OK

101,057
30,416
131,473
36.7
991
23,165
1,890
1,543
15
159,077

#DIV/0!
#DIV/0!
#DIV/0!

424
7,966

5,031
3,271
8,302
#DIV/0!
2,349
28.3
5,953

34.1
(37.8)
19.1
#DIV/0!
19.1

12.6
5.4
10.9
60.7
42.8
26.4
(45.2)
100.0
13.8

14.0
14.0
(1.1)
10.7
27.4
14.0
12.7
48.7
(7.2)
14.0
14.0
20.4
16.7
(76.5)
10.7
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

2.0
13.1
6.1
20.0
1.5
#DIV/0!

515
0.23
568
13,942

#DIV/0!
#DIV/0!
33.7
75.0

541,286

16.8

OK

50,159
8,236
58,395
13.98
58,395
13.98

123,263
28,273
151,536
36.3
3,637
26,982
2,272
1,215
90
185,732

190,474
190,474
14,895
108,238
67,340
190,474
183,363
4,575
2,535
190,474
190,474
65,951
24,168
121
100,234
-

5,272
3,720
8,992
#DIV/0!
2,821
31.4
6,171

2.4
37.7
6.2
#DIV/0!
6.2

22.0
(7.0)
15.3
267.0
16.5
20.2
(21.3)
497.8
16.8

18.7
18.7
9.2
9.9
39.3
18.7
22.3
(50.2)
91.9
18.7
18.7
25.0
38.5
(0.0)
11.2
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

4.8
13.7
8.3
20.1
3.7
#DIV/0!

662
0.24
585
17,816

28.5
3.52
3.0
27.8

635,051

17.3

53,656
7,036
60,692
10.52

(2.0)
(6.5)
(2.6)

OK

54,774
7,526
62,300
12.72
62,300
12.72

160,893
26,244
187,137
38.2
3,253
26,507
2,542
1,464
88
220,991

225,717
225,717
19,030
126,861
79,827
225,717
216,339
3,354
6,023
225,717
225,717
83,232
30,653
103
111,729
-

5,846
4,227
10,073
2.38
3,268
32.4
6,805

9.2
(8.6)
6.7
#DIV/0!
6.7

30.5
(7.2)
23.5
(10.6)
(1.8)
11.9
20.5
(2.2)
19.0

18.5
18.5
27.8
17.2
18.5
18.5
18.0
(26.7)
137.6
18.5
18.5
26.2
26.8
(15.2)
11.5
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

10.9
13.6
12.0
15.8
10.3
#DIV/0!

60,692
10.52

184,373
25,007
209,380
36.3
2,572
34,644
2,131
2,471
87
251,284

280,291
280,291
24,272
157,303
98,715
280,291
265,034
3,870
11,387
280,291
280,291
108,567
44,083
282
127,358
-

5,933
5,350
11,283
2.64
4,043
35.8
7,239

#DIV/0!
(2.6)

14.6
(4.7)
11.9
(20.9)
30.7
(16.2)
68.8
(0.8)
13.7

24.2
24.2
27.5
24.0
23.7
24.2
22.5
15.4
89.0
24.2
24.2
30.4
43.8
174.7
14.0
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

1.5
26.6
12.0
23.7
6.4
#DIV/0!

#DIV/0!

5,953

#DIV/0!
#DIV/0!

6,628
4.17
4.10
5,232
329.3
236
5,527
-

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

17,623

#DIV/0!

398,058

1.5

#DIV/0!
17.2

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

7,086
3.82
3.99
7,232
583.2
247
7,899

(22.0)
16.6
2.3
#DIV/0!
#DIV/0!
(1.9)
13.6

OK
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

6,171

3.7

90,064
8,949
5
36,283
21.2
21,337
5,831
16,347
1,312

35.3
25.4
#DIV/0!
70.3
19.6
73.3
2.6
35.7

38.2

22,464

25,473

463,235

16.4

541,286

10.3
#DIV/0!

84,540
8,307
5
31,900
15.8
20,755
5,346
16,925
1,302

(6.1)
(7.2)
#DIV/0!
(12.1)
(2.7)
(8.3)
3.5
(0.7)

39,922
19,611
13.13
18,206
12.18
1,644
3.25
461

9.3
0.4
(14.65)
19.4
(9.64)
(2.6)
(4.06)
719.6

44,480
21,818
13.12
19,763
11.46
1,815
3.20
1,084

15.2
(0.9)
10.9
#DIV/0!
#DIV/0!
13.4
16.8

95,638
9,285
2
39,420
16.6
19,471
6,131
19,778
1,551

#DIV/0!
#DIV/0!

26,991
25,399
7.70
11.18
35

10.7
8.4

27,954
26,768
7.05
10.32
121

13.1
11.8
#DIV/0!
(65.3)
23.6
(6.2)
14.7
16.9
19.1

3.6
5.4

245.2

#DIV/0!
6.1

5.8

4,558
35,545

3.9
51.7
#DIV/0!
#DIV/0!
39.5

635,051

17.3

182,077
5,846
2
126,187
42.6
21,191
4,308
24,409
134

#DIV/0!

FY00

11.4
11.3
(0.02)
8.6
(0.72)
10.4
(0.05)
134.9

8,632
3.44
3.55
8,817
443.0
254
13,283

6.4
#DIV/0!

OK

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

7,239

#DIV/0!
14.8

OK

FY99

(39.9)

8,138
3.68
3.72
8,334
751.9
245
8,757

4.7
42.9
#DIV/0!
#DIV/0!
27.5

#DIV/0!

FY98

6,805

#DIV/0!
6.9

OK

#DIV/0!

#DIV/0!

90.4
(37.0)
#DIV/0!
220.1
8.8
(29.7)
23.4
(91.4)
#DIV/0!

FY01

51,545
25,142
13.14
24,171
11.89
1,715
2.84
517

15.9
15.2
0.02
22.3
0.42
(5.5)
(0.36)
(52.3)

58,635
28,235
11.98
27,418
11.61
1,523
2.48
1,459

35,382
33,668
7.63
11.46
291

26.6
25.8

38,250
36,095
6.97
10.17
392

139.6

13.8
12.3
(1.16)
13.4
(0.27)
(11.2)
(0.37)
182.3
8.1
7.2

35.0

#DIV/0!

1.15
1,557
39.92

#DIV/0!

12,932
3.70

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

6,366
2,802
2,373
7
616
2.14
247

#DIV/0!
#DIV/0!
#DIV/0!

321

72.4

6.4

35.8
12.8
592.3
10.0
(15.7)
301.8
#DIV/0!
(69.8)

5.25
1,064
18.04

27.8

16,164
3.55

5,447
3,283
786
7
738
2.16
153

(14.4)
17.2
(66.9)
(9.0)
19.8

7,277
3,817
2,149
7
762
2.14
203

481

2,380
37

581.4

792
15

#DIV/0!
#DIV/0!

46,288
19,297

12.3
14.6

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

11,286
8,714
8,714
#DIV/0!
553
198
30
348
2
56
61
192
103
181
848

6.0
7.5
#DIV/0!
7.5
16.8
7.6
91.8
20.6
17.6
82.1
26.0
21.9
17.4
(56.8)
2.5

8,011
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

(3,332)
3,371
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

436

#DIV/0!

7,536

#DIV/0!

2,762
36.65
36.65

476

(37.8)
#DIV/0!
49.5

#DIV/0!
#DIV/0!
(32.9)
#DIV/0!
(81.6)

340

33.8

(2.2)

33.6
16.3
173.6
4.2
3.3
32.1
#DIV/0!
(29.4)

5.87
1,764
20.28

23.9

20,384
3.82

26.1

7,784
4,193
2,163
4
942
1.14
30

7.0
9.9
0.6
(45.4)
23.6

453

(85.2)
#DIV/0!
33.3

(66.7)

2,156
30

172.2

2,167
28

0.5

49,927
21,973

7.9
13.9

58,822
23,440

17.8
6.7

66,419
28,169

12.9
20.2

13,760
10,689

21.9
22.7
#DIV/0!
22.7

15,239
11,837

10.7
10.7
#DIV/0!
10.7

16,452
14,591
2,264
12,326
200
824
244
47
746
2
89
60
257
170
331
1,356

8.0
23.3
#DIV/0!
4.1

10,689
#DIV/0!
647
203
39
400
2
66
47
229
136
236
1,067

17.0
2.7
28.7
15.0
22.2
16.2
(22.0)
19.0
31.2
30.1
25.8

8,213
(833,025.0)
#DIV/0!
73.7
#DIV/0!

6.76
1,423
17.36

16,526
4.18

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

(31.6)

508
2,395
#DIV/0!

11,837
183
720
223
43
430
1
72
58
237
137
305
1,175

11.3
10.0
10.7
7.6
(47.2)
9.7
23.7
3.5
0.9
29.4
10.2

8,202
(100.0)
#DIV/0!
(29.0)
#DIV/0!

(78)
469
2,490
515
#DIV/0!

2,903

#DIV/0!
#DIV/0!
(100.0)
#DIV/0!
510.3

2,880

109.0

5,310

(29.5)

5,321

124.8

1,589
29.92
29.92

(42.5)

1,240
23.30
23.30

14.5
9.4
8.6
73.6
44.9
23.0
3.4
8.5
24.1
8.4
15.4

11,716
#DIV/0!
(7.7)
3.9
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(0.8)

201
102
3,405
147
#DIV/0!

(357.8)
(78.3)
36.8
(71.5)

3,707

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
28.7

0.2

8,009

50.5

(21.9)

1,108
13.84
19.29

(10.6)

#DIV/0!

4,774

#DIV/0!
#DIV/0!

100.8

#DIV/0!
#DIV/0!

3,721

(22.0)

#DIV/0!
#DIV/0!

4,081

9.7

#DIV/0!
#DIV/0!

6,901

(2,264)
(2,264)

69.1

#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!

4,774
4,774
OK

100.8
100.8

3,721
3,721
OK

(22.0)
(22.0)

4,081
4,081
OK

9.7
9.7

4,636
4,636
OK

13.6
13.6

#DIV/0!
#DIV/0!

5,013
955
20.00
20.00
1,733
1,901
424
424

110.9
96.8

5,031
744
20.00
20.00
2,552
1,310
424
424

0.4
(22.0)

4,081
1,020
25.00
25.00
2,458
36
568
500

(18.9)
37.1

4,636
1,159
25.00
16.80
6
2,886
585
531

13.6
13.6

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
35.1
#DIV/0!
(12.5)
(12.5)
#DIV/0!
#DIV/0!

2.00
8.89
8.89
-

#DIV/0!

(239)

(100.0)
34.3
#DIV/0!
0.0
0.0
#DIV/0!
#DIV/0!

2.00
11.41
11.41
-

(331,998.6)

(1,310)

448.0

68
2.36
13.91
13.91
-

#DIV/0!
(3.7)
(97.3)
33.7
17.8
#DIV/0!
#DIV/0!

(100.0)

54
2.50
12.61
8.47
-

(0)

17
#DIV/0!

18
#DIV/0!

19
#DIV/0!

33
#DIV/0!

60
#DIV/0!

74
#DIV/0!

90
#DIV/0!

109
#DIV/0!

20.0
424.5
14.0

20.0
424.5
14.0

23.6
500.0
14.0

25.0
530.7
14.0

#DIV/0!
17.5
(100.0)
3.0
6.1
#DIV/0!
(19.9)

(280.8)

59.5
484.0
10.1
4,289.6
10,664
10,365

59.5
484.0
13.0
3,237.2
13,537
13,901

70.1
570.1
14.0
3,511.3
17,051
17,049

74.4
605.1
13.1
4,031.3
21,103
21,083

212.24
281.41
281.41

212.24
212.24
212.24

212.24
212.24
212.24

212.24
212.24
212.24

FY02

% Chg

2,122
15000.00
2653.03
2122.41

FY03

#DIV/0!
#DIV/0!
-

% Chg

2,653
15000.00
2653.03
2653.03

FY04

25.0
25.0

1,644.90

7,033
556

3,101
1.10
15,968
26,658
3,381
30,040

25.0
307.2
#DIV/0!
#DIV/0!
130.5
#DIV/0!
14.1
26
(2.5)
22.3

9,139
557
1,114
5,001
1.47
18,570
34,381
3,296
37,677

29.9
0.1
#DIV/0!
#DIV/0!
61.3
#DIV/0!
16.3
29
(2.5)
25.4

% Chg

2,653
15000.00
2653.03
2653.03
80.00
2122.42
1822.42

11,910
580
1,114
9,650
2.29
21,000
44,255
3,210
47,465

FY05

30.3
4.3
#DIV/0!
92.9
#DIV/0!
13.1
29
(2.6)
26.0

3,153
15000.00
3153.03
3153.03
80.00

15,436
1,555
20,114
19,023
3.75
19,206
75,335
3,125
78,460

% Chg

FY06

18.8
18.8
18.8

3,153
15,000
3,153
3,153
58

29.6
168.0
1,705.1
#DIV/0!
97.1

19,034
1,858
20,114
44,745
-

#DIV/0!
(8.5)
70
(2.7)
65.3

1,835
87,587
3,024
90,611

28,781

23.9

37,034

28.7

46,908

26.7

78,488

67.3

90,740

657,119
284,226
43.25

13.9
14.4

780,685
355,362
45.52

18.8
25.0

915,633
403,230
44.04

17.3
13.5

1,082,280
478,077
44.17

18.2
18.6
0.3

1,283,071
586,320
45.70

67,584
1,112
66,472
216,642
357,009
13,162
343,847
641,235
14,274
626,961

7.1
(24.7)
7.8
16.9
14.1
5.9
14.4
14.2
2.7
14.5

98,883
1,660
97,223
256,479
402,773
4,848
397,925
758,135
6,508
751,627

46.3
49.2
46.3
18.4
12.8
(63.2)
15.7
18.2
(54.4)
19.9

99,004
1,432
97,572
304,226
475,934
7,178
468,756
879,164
8,610
870,554

0.1
(13.8)
0.4
18.6
18.2
48.1
17.8
16.0
32.3
15.8

124,666
12,357
112,309
353,411
553,592
8,512
545,080
1,031,669
20,869
1,010,800

25.9
763.0
15.1
16.2
16.3
18.6
16.3
17.3
142.4
16.1

167,238
14,384
152,853
419,082
610,529
7,823
602,706
1,196,849
22,207
1,174,642

2,690
320
1,032
44
4,086

(10.3)
(26.8)
(68.0)
(38.0)
(39.3)

1,842
3,767
1,013
6,622

(100.0)
476.3
265.0
2,201.7
62.1

43
5,725
492
6,631
12,891

#DIV/0!
210.8
(87.0)
554.7
94.7

86
4,573
5,266
17,257
27,183

98.7
(20.1)
971.3
160.3
110.9

47,200
321
7,403
11,948
66,872

11,799

32.6

15,929

35.0

23,579

48.0

23,429

(0.6)

19,350

38,221
8,665
35.2
664
4,526
8.3

21.7
16.4

41,203
9,482
32.9
342
4,933
7.6
26,446

7.8
9.4

57,566
13,956
49.8
3,737
4,617
6.1

39.7
47.2

98,519
14,193
41.1
2,119
4,788
5.3

71.1
1.7
(17.5)
(43.3)
3.7

75,839
18,143
48.5
3,898
1,935
1.8
304
51,560

24,366

(43.1)
20.9
#DIV/0!
27.8

(48.5)
9.0
#DIV/0!
(100.0)

35255.90

992.9
(6.4)
(100.0)
#DIV/0!

77,420

#DIV/0!
119.6

812
0.24
637
22,918

22.7
0.03
8.9
28.6

729,147

14.8

OK

952
0.24
1,048
(2,000)

17.2
0.17
64.5
(108.7)

63,983
9.74

193,043
24,594
217,637
33.1
3,439
53,829
2,120
4,946
101
282,072

343,694
343,694
24,601
184,782
134,311
343,694
326,007
4,934
12,753
343,694
343,694
134,413
62,245
380
146,656
-

6,113
6,367
12,481
2.92
4,896
39.2
7,585

(4.9)
84.3
5.4
#DIV/0!
5.4

4.7
(1.7)
3.9
33.7
55.4
(0.5)
100.2
16.4
12.3

22.6
22.6
1.4
17.5
36.1
22.6
23.0
27.5
12.0
22.6
22.6
23.8
41.2
34.7
15.2
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

3.0
19.0
10.6
21.1
4.8
#DIV/0!

48.8
26.79
14.3
(1,732.5)

2,558
0.42
1,977
72,886

80.5
41.09
65.1
123.3

2,830
0.38
2,157
46,573

23.4

1,452,674
OK

862,218

18.3

1,023,317
OK

18.7

1,262,413
OK

65,685
15,087
80,772
10.35

28.8
16.3
26.2

67,423
20,782
88,205
9.63

2.6
37.8
9.2

94,602
16,288
110,890
10.25

OK

51,014
12,969
63,983
9.74

1,417
0.30
1,197
32,642

80,772
10.35

253,377
24,089
277,467
35.5
2,701
54,584
2,198
3,257
94
340,300

402,281
402,281
28,787
209,011
164,483
402,281
367,139
6,623
28,519
402,281
402,281
160,336
68,602
2,374
170,969
-

6,542
7,568
14,110
3.15
5,976
42.4
8,134

#DIV/0!
26.2

31.3
(2.1)
27.5
(21.4)
1.4
3.7
(34.2)
(7.3)
20.6

17.0
17.0
17.0
13.1
22.5
17.0
12.6
34.2
123.6
17.0
17.0
19.3
10.2
524.4
16.6
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

7.0
18.9
13.1
22.1
7.2
#DIV/0!

88,205
9.63

330,688
23,432
354,120
38.7
2,667
57,663
2,059
4,652
94
421,255

472,247
472,247
28,033
218,124
226,090
472,247
421,229
3,643
47,375
472,247
472,247
207,345
65,187
2,054
197,661
-

6,735
9,366
16,100
3.60
7,461
46.3
8,639

#DIV/0!
9.2

30.5
(2.7)
27.6
(1.3)
5.6
(6.3)
42.9
(0.3)
23.8

17.4
17.4
(2.6)
4.4
37.5
17.4
14.7
(45.0)
66.1
17.4
17.4
29.3
(5.0)
(13.5)
15.6
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

2.9
23.8
14.1
24.8
6.2
#DIV/0!

110,890
10.25

411,903
22,154
434,057
40.1
4,290
60,426
3,150
4,711
94
506,728

604,128
604,128
34,539
281,960
287,629
604,128
507,361
5,680
91,086
604,128
604,126
282,685
67,601
261
253,579
2
1
1

7,079
11,302
18,382
4.09
9,104
49.5
9,277

40.3
(21.6)
25.7
#DIV/0!
25.7

24.6
(5.5)
22.6
60.9
4.8
53.0
1.3
20.3

27.9
27.9
23.2
29.3
27.2
27.9
20.4
55.9
92.3
27.9
27.9
36.3
3.7
(87.3)
28.3
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

5.1
20.7
14.2
22.0
7.4

233,946
13,971
247,917
19.32
247,917
19.32

334,193
12,217
346,410
27.0
4,818
49,801
5,345
4,149
31
410,553

746,274
746,274
37,405
327,930
380,939
746,274
627,954
7,067
111,252
746,274
746,272
340,934
56,226
242
348,870
1
1
0

7,403
13,216
20,619
4.57
10,767
52.2
9,852

713
498
427
212
215

7,585

4.8

10,202
3.62
3.85
4,390
128.6
255
12,769
736
3,462
31,813

#DIV/0!
18.2

729,147

14.8

8,847

10,679
3.14
3.55
2,273
34.4
70
14,003
680
2,312
30,017

(50.2)
0.4
(3.9)
#DIV/0!
(24.1)
(10.5)

OK

862,218

359
498
560
699
(138)
16.6

#DIV/0!
4.7

25.7
(4.5)
#DIV/0!
93.6
30.2
23.5
4.3
15.0
60.4

(72.4)
9.7
(7.5)
(33.2)
(5.6)
18.3

235,709
1,953
3
163,640
37.5
31,502
3,823
33,764
1,022

3.0
(65.0)
#DIV/0!
(0.4)
20.4
(14.9)
20.3
375.7

#DIV/0!
8.3

124.6
(12.9)
(3.0)
68.0
(49.8)
8.6
18.7

66,479
33,179
11.20
30,028
11.26
2,276
3.65
996

13.4
17.5
(0.78)
9.5
(0.35)
49.5
1.18
(31.7)

74,850
37,116
10.31
32,983
10.60
1,794
2.48
2,957

322,300
2,524
2
195,435
38.0
39,951
11,315
71,679
1,395

43,526
41,216
6.85
9.91
479

13.8
14.2

43,613
41,626
5.95
8.78
75

36.7
29.2
#DIV/0!
(48.3)
19.4
26.8
195.9
112.3
36.5

0.2
1.0

(84.3)

726
351
375
9,652

13,100
2.59
3.62
3,233
54.3
64
13,194
1,423
31,014
1,262,413

420,013
2,377
2
266,785
41.7
56,880
8,493
83,264
2,213

#DIV/0!

FY04

12.6
11.9
(0.90)
9.8
(0.66)
(21.2)
(1.17)
196.9

375

4.3
(100.0)
29.5
(49.8)
(370.8)
11.7

#DIV/0!
13.3
(5.8)
6.3
(36.7)
(47.3)
4.3
(2.8)
24.5
(100.0)
(4.9)
#DIV/0!
23.4
#DIV/0!

OK

#DIV/0!

FY03

22.1

1,023,317

1.7

OK

#DIV/0!

FY02

11,565
2.75
3.41
5,106
103.0
61
13,576
1,143
1,161
32,612

(48.2)

OK
228,848
5,585
3
164,314
44.8
26,162
4,494
28,074
215

8,998

(49.6)
31.3
230.2
(164.4)

451
963
512
451
10,302

12,411
3.02
4.13
6,908
109.8
73
18,237
37,628
1,452,674
OK

30.3
(5.8)
#DIV/0!
36.5
9.7
42.4
(24.9)
16.2
58.6

530,354
3,840
3
306,299
39.5
70,496
14,408
131,747
3,560

#DIV/0!

FY05

FY06

77,797
38,760
9.04
36,810
9.67
1,131
1.34
1,096

3.9
4.4
(1.27)
11.6
(0.93)
(36.9)
(1.14)
(62.9)

84,599
42,461
7.98
39,740
8.56
1,642
1.65
754

8.7
9.5
(11.8)
8.0
(11.4)
45.2
23.22
(31.2)

95,842
53,415
7.98
40,303
8.79
1,764
0.98
360

41,550
39,264
4.80
6.70
133

(4.7)
(5.7)

44,531
41,633
4.36
5.85
416

7.2
6.0
(9.1)
(12.7)
211.8

49,174
46,118
4.14
5.60
644

77.0

8.85
1,831
17.69

3.8

1.41
1,912
13.79

4.4

1.37
2,152
10.89

12.6

2.08
2,483
10.56

51.8
15.4
(3.0)

1.37
2,412
11.28

10.5

46,668
3.57

22,953
3.67

12.6

31,237
4.20

36.1

36,247
4.05

16.0

40,067
3.66

9,777
4,340
3,797
4
922
0.64
280

25.6
3.5
75.6
(1.3)
(2.0)

12,503
4,800
6,022
4
951
0.58
237

27.9
10.6
58.6
11.6
3.1

18,669
5,519
11,186
2
1,060
0.59
303

49.3
15.0
85.7
(40.4)
11.5

16,757
6,913
3,528
6
1,418
0.53
186
4,707

(10.2)
25.3
(68.5)
155.7
33.7
(10.0)
(38.8)
#DIV/0!
686.5

12,735
7,526
2,109
27
1,221
0.43
113

(68.4)

2,136
17

434

833.3
#DIV/0!
(4.2)

489

(15.4)
#DIV/0!
12.8

598

27.8
#DIV/0!
22.3

1,739

3,801
39

75.4

6,026
48

58.5

11,188
60

85.7

3,534
21

76,256
32,730

14.8
16.2

87,353
43,740

14.6
33.6

96,466
54,916

10.4
25.5

101,355
56,824

5.1
3.5

108,577
59,403

16,842
13,163
1,150
12,013
207
943
286
84
853
3
133
76
285
190
389
1,587

2.4
(9.8)
(49.2)
(2.5)
3.2
14.4
16.8
78.8
14.3
82.7
50.4
26.0
11.0
11.8
17.4
17.1

19,417
14,761
1,150
13,611
233
1,056
525
78
1,290
3
156
86
313
199
461
1,640

15.3
12.1
(0.0)
13.3
12.7
11.9
83.9
(6.9)
51.2
(10.0)
17.0
12.8
9.9
5.0
18.6
3.3

22,556
16,541
1,151
15,390
261
1,200
351
108
1,814
3
179
133
451
244
547
2,137

16.2
12.1
0.1
13.1
12.1
13.6
(33.2)
38.4
40.7
23.1
14.9
54.4
44.1
22.6
18.6
30.3

31,619
24,240
1,161
23,079
394
1,340
367
192
1,833
7
215
116
475
293
841
2,863

40.2
46.5
0.9
50.0
50.8
11.7
4.5
76.6
1.0
99.6
20.3
(12.5)
5.3
19.9
53.8
34.0

30,232
21,150

15,888
(352)
1,013
6,463
150
#DIV/0!

24,323
(275.3)
896.6
89.8
2.0

7,124

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
92.1

8,765
1,990
22.71
26.14

1,328
1,540
8,470
140
#DIV/0!

32,359
(477.0)
52.1
31.0
(6.7)

11,337

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
59.1

9.4

12,986

79.6

3,414
26.29
28.84

(309)
1,417
12,405
465
#DIV/0!

25,205
(123.2)
(8.0)
46.5
232.1

(484)
2,821
1,141
#DIV/0!

21,150
363
1,543
387
202
1,866
7
207
92
557
391
1,167
2,663
29,171

56.9
(100.0)
(77.3)
145.3

888
273
#DIV/0!

2,652

13,514

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
19.2

48.2

18,846

45.1

20,217

7.3

20,348

71.5

6,608
35.06
37.34

93.6

4,955
24.51
26.00

(25.0)

5,955
29.27
29.27

4,989

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(63.1)

8,900

(966)
8,823

6,774

(1.8)

9,572

(1,150)
(1,150)

(49.2)
(49.2)

(1,150)
(1,150)

#DIV/0!
#DIV/0!
5,624
5,624
OK

21.3
21.3

8,422
8,422
OK

41.3

(0.0)
(0.0)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
49.8
49.8

8422.05
0.00
8422.05

5,624
1,406
25.00
20.75
420
1,406
1,756
637
637
3.00
11.32
9.40
-

21.3
21.3

6,761.7
(51.3)
#DIV/0!
8.9
20.0
#DIV/0!
(100.0)

8,422
2,106
25.00
22.00
0
3,369
1,900
1,048
929
119
3.50
12.44
10.94
-

(140.4)

12,238

(1,151)
(1,151)

11,087
11,087
OK

27.8

0.1
0.1
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
31.6
31.6

11086.88
0.00
11086.88

49.8
49.8

(99.9)
139.6
8.2
64.5
45.8
#DIV/0!
#DIV/0!

11,087
2,772
25.00
22.65
24
2,446
4,648
1,197
1,061
136
4.00
10.80
9.78
-

126.3

(0)

15,262

(1,161)
(1,161)

14,101
14,101
OK

24.7

0.9
0.9
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
27.2
27.2

14101.17
1750.05
15851.21

31.6
31.6

5,616.4
(27.4)
144.7
14.3
14.3
#DIV/0!
14.3

(151.2)

15,851
3,525
25.00
23.10
975
0.7
9,374
1,977
1,742
235
5.52
14.02
12.95
-

(0)

14,393

14,393
14,393
OK

14393.04
0.00
14393.04

43.0
27.2

4,020.1
(100.0)
101.7
65.1
64.1
#DIV/0!
72.7

59.1

12,558
3,598
25.00
25.00
303
25,523
(19,023)
2,157
1,892
265
6.00
14.99
14.99
-

1,835

32
#DIV/0!

40
#DIV/0!

46
#DIV/0!

53
#DIV/0!

46
#DIV/0!

136
#DIV/0!

140
#DIV/0!

177
#DIV/0!

249
#DIV/0!

288
#DIV/0!

30.0
636.7
14.0

35.0
928.6
14.0

40.0
1,061.2
14.0

55.2
1,741.8
14.0

60.0
1,891.8
14.0

89.3
726.0
12.9
4,897.9
26,658
26,001

130.2
1,058.8
12.6
7,363.3
34,381
34,021

148.8
1,210.0
10.9
9,876.8
44,255
44,258

244.3
1,986.1
14.1
12,115.1
75,335
56,370

265.3
2,157.1
15.0
12,235.9
87,587
87,571

212.24
212.24
212.24

265.30
238.77
238.77

265.30
265.30
265.30

315.30
290.30
290.30

315.30
315.30
315.30

% Chg

FY07

% Chg

FY08

% Chg

FY09

% Chg

FY10

% Chg

FY11E

3,153
15,000
3,153
3,153
58

3,153
15,000
3,153
3,153
58

3,153
15,000
3,153
3,153
58

3,153
15,000
3,153
3,153
58

3,153
15,000
3,153
3,153
58

23.3
19.5
#DIV/0!
(100.0)

22,884
2,359
20,114
52,751
-

20.2
26.9
17.9
#DIV/0!

28,006
3,198
20,114
53,355

22.4
35.6
1.1
#DIV/0!

35,733
5,954
20,114
65,296
1,071
0.17

27.6
86.2
22.4
#DIV/0!

45,497
10,196
20,114
78,193
1,071
0.14
4,086
159,156
14,920
174,076

27.3
71.2
19.8
-

56,711
27,220
20,114
77,122
-

#DIV/0!
(90.4)
16
(3.2)
15.5

155
98,263
2,938
101,202

#DIV/0!
(91.5)
12
(2.8)
11.7

104,673
15,357
120,030

#DIV/0!
(100.0)
7
422.6
18.6

76
128,246
15,137
143,383

#DIV/0!
#DIV/0!
23
(1.4)
19.5

#DIV/0!
5,246.7
24
(1.4)
21.4

17,314
198,482
14,920
213,401

15.6

101,416

11.8

107,827

6.3

131,399

21.9

162,309

23.5

201,635

18.6
22.6

1,455,033
645,543
44.37

13.4
10.1

1,780,686
715,609
40.19

22.4
10.9

2,222,202
814,599
36.66

24.8
13.8

2,685,922
1,018,500
37.92

20.9
25.0

3,281,837
1,233,781
37.59

34.1
16.4
36.1
18.6
10.3
(8.1)
10.6
16.0
6.4
16.2

164,657
13,311
151,346
480,886
753,053
8,100
744,953
1,398,597
21,411
1,377,186

(1.5)
(7.5)
(1.0)
14.7
23.3
3.5
23.6
16.9
(3.6)
17.2

177,912
15,429
162,483
537,697
948,964
17,585
931,379
1,664,572
33,013
1,631,559

8.0
15.9
7.4
11.8
26.0
117.1
25.0
19.0
54.2
18.5

188,139
14,386
173,753
626,460
1,283,006
42,582
1,240,424
2,097,605
56,968
2,040,637

5.7
(6.8)
6.9
16.5
35.2
142.2
33.2
26.0
72.6
25.1

237,172
17,633
219,539
781,328
1,474,798
25,839
1,448,959
2,493,298
43,473
2,449,825

26.1
22.6
26.4
24.7
14.9
(39.3)
16.8
18.9
(23.7)
20.1

272,748
19,397
253,351
961,034
1,814,002
28,423
1,785,578
3,047,783
47,820
2,999,963

54,565.7
(93.0)
40.6
(30.8)
146.0

6,000
216
3,131
10,142
19,489

(87.3)
(32.8)
(57.7)
(15.1)
(70.9)

21,500
345
1,599
31,022
54,466

258.3
59.7
(48.9)
205.9
179.5

354
3,343
40,046
43,744

(100.0)
2.7
109.1
29.1
(19.7)

29,486
303
3,554
52,377
85,721

#DIV/0!
(14.4)
6.3
30.8
96.0

29,486
319
3,839
73,507
107,151

(17.4)

36,948

90.9

61,648

66.9

80,853

31.2

106,903

32.2

126,903

(23.0)
27.8

64,837
9,505
20.5
12,996
2,455
2.0
39,881

(14.5)
(47.6)

86,334
21,131
48.4
3,860
3,248
2.2
58,096

33.2
122.3

100,448
26,447
60.1
1,616
3,244
1.8
69,141

16.3
25.2

103,177
23,043
51.7
2,255
3,438
1.5
74,441

2.7
(12.9)

137,772
29,740
58.0
2,368
4,102
1.5
101,562

84.0
(59.6)
#DIV/0!
(33.4)

233.4
26.9
(100.0)
(22.7)

(70.3)
32.3
#DIV/0!
45.7

(58.1)
(0.1)
#DIV/0!
19.0

39.5
6.0
#DIV/0!
7.7

10.7
(10.42)
9.1
(36.1)
15.1

147.3
(14.2)
123.6
#DIV/0!
123.6

(18.9)
(44.9)
(20.2)
12.3
(17.6)
69.6
(11.9)
(67.1)
(19.0)

23.5
23.5
8.3
16.3
32.4
23.5
23.8
24.4
22.1
23.5
23.5
20.6
(16.8)
(7.1)
37.6
(29.9)
19.0
#DIV/0!
(87.8)

4.6
16.9
12.2
18.3
6.2

4,349
0.45
3,651
31,880
1,624,225
OK

123,720
32,735
156,455
10.75
156,455
10.75

366,310
9,897
376,207
25.9
7,549
43,056
5,351
19,705
31
451,898
32%
965,965
965,965
46,314
431,610
488,041
965,965
811,377
13,325
141,263
965,965
965,962
365,276
124,943
2,602
473,141
3
3
-

7,444
14,638
22,082
4.86
12,379
56.1
9,703

53.7
18.73
69.3
(31.5)
11.8

(47.1)
134.3
(36.9)
#DIV/0!
(36.9)

9.6
(19.0)
8.6
56.7
(13.5)
0.1
375.0
10.1

29.4
29.4
23.8
31.6
28.1
29.4
29.2
88.6
27.0
29.4
29.4
7.1
122.2
973.9
35.6
184.6
209.3
#DIV/0!
(100.0)

0.6
10.8
7.1
15.0
(1.5)

5,734
0.48
4,796
47,566

31.8
6.57
31.3
49.2

6,381
0.41
7,378
55,382

1,990,204
OK

22.5

2,469,186
OK

24.1

2,966,328
OK

20.1

3,636,163
OK

152,582
35,726
188,307
10.57

23.3
9.1
20.4

170,583
43,549
214,131
9.64

11.8
21.9
13.7

183,276
51,460
234,736
8.74

7.4
18.2
9.6

192,440
135,744
328,184
10.00

188,307
10.57

442,167
8,011
450,178
25.3
8,692
40,067
5,351
33,431
2,198
539,917
32%
1,195,016
1,195,016
43,678
559,371
591,966
1,195,016
977,067
16,944
201,005
1,194,693
1,194,683
462,169
128,614
6,249
597,650
11
10
1

20,553
16,084
36,637
8.07
13,841
37.8
22,795

#DIV/0!
20.4

20.7
(19.1)
19.7
15.1
(6.9)
69.7
7,033.0
19.5

23.7
23.7
(5.7)
29.6
21.3
23.7
20.4
27.2
42.3
23.7
23.7
26.5
2.9
140.2
26.3
213.5
195.7
#DIV/0!
#DIV/0!

176.1
9.9
65.9
11.8
134.9

214,131
9.64

545,308
6,674
551,983
24.8
12,057
44,704
5,395
13,567
6,147
633,852
30%

11.3
(14.05)
53.8
16.4

#DIV/0!
13.7

23.3
(16.7)
22.6
38.7
11.6
0.8
(59.4)
179.6
17.4

1,547,030
29.5
1,547,030
29.5
44,000
0.7
689,179
23.2
813,852
37.5
1,547,030
29.5
1,271,285
30.1
60,942
259.7
214,803
6.9
1,547,030
29.5
1,508,780
26.3
492,123
6.5
114,218
(11.2)
2,456
(60.7)
899,983
50.6
38,250 #######
8,672 #######
29,578
#DIV/0!
(100.0)

20,931
17,909
38,840
8.77
15,332
39.5
23,507

1.8
11.3
6.0
10.8
3.1

7,091
0.38
8,101
59,249

234,736
8.74

659,704
4,922
664,626
24.7
17,429
30,327
4,856
60,006
777,245
31%
1,866,012
1,866,012
44,588
822,071
999,354
1,866,012
1,643,527
24,269
198,216
1,866,012
1,796,281
666,155
116,293
10,890
1,002,943
69,731
66,505
520
2,707

21,001
20,370
41,371
9.35
16,767
40.5
24,604

11.1
(7.87)
9.8
7.0

#DIV/0!
9.6

21.0
(26.3)
20.4
44.6
(32.2)
(10.0)
(100.0)
876.2
22.6

20.6
20.6
1.3
19.3
22.8
20.6
29.3
(60.2)
(7.7)
20.6
19.1
35.4
1.8
343.5
11.4
82.3
666.9
(98.2)
#DIV/0!

0.3
13.7
6.5
9.4
4.7

8,626
0.38
4,730
88,206

328,184
10.00

763,278
57,181
820,459
25.0
19,520
32,753
5,099
66,007
943,839
31.0%
2,270,014
2,270,014
51,276
1,069,482
1,149,257

22,051
22,407
44,458
9.93
19,562
44.0
24,897

395

360

464

531

663

32.6
45.9

1,110
715
395

15.3
39.6

1,234
874
360

11.2
22.3

1,498
1,034
464

21.4
18.3

1,756
1,226
531

17.2
18.5

2,072
1,409
663

6.7

10,098

(2.0)

23,155

129.3

23,971

3.5

25,135

4.9

25,560

#DIV/0!
(5.3)

113.6
13.7
38.2
(100.0)
#DIV/0!
21.3
15.1

12,291
2.72
4.28
7,016
56.3
70
20,431
39,808
1,624,225

#DIV/0!
(1.0)

1.6
(4.3)
12.0
#DIV/0!
#DIV/0!
5.8
11.8

OK
26.3
61.6
#DIV/0!
60.4
14.8
23.9
69.7
58.2
60.9

667,584
3,380
2
401,603
40.5
92,703
28,199
138,733
2,963

#DIV/0!

14,174
2.63
4.33
12,632
75.4
75
16,927
43,808
1,990,204

#DIV/0!
15.3

80.0
8.1
(17.2)
#DIV/0!
#DIV/0!
10.0
22.5

OK
25.9
(12.0)
#DIV/0!
(32.0)
31.1
31.5
95.7
5.3
(16.8)

969,515
10,144
2
650,856
53.3
111,711
31,005
163,444
2,353

#DIV/0!

FY07

45.2
200.1
#DIV/0!
62.1
20.5
9.9
17.8
(20.6)

15,142
2.39
3.94
11,445
57.2
91
23,524
50,202
2,469,186
(669,835.2)
OK
1,036,502
13,314
0
577,498
36.8
132,890
66,894
243,796
2,109

#DIV/0!

FY08

#DIV/0!
6.8

(9.4)
20.6
39.0
#DIV/0!
#DIV/0!
14.6
24.1

6.9
31.2
#DIV/0!
(94.0)
(11.3)
19.0
115.8
49.2
(10.3)

16,895
2.17
4.02
15,117
65.4
86
31,102
63,201
2,966,328
3,636,163.0
OK
918,134
2,454
0
421,185
22.3
165,142
75,471
236,889
16,994

#DIV/0!

FY09

#DIV/0!
11.6

32.1
(5.5)
32.2
#DIV/0!
#DIV/0!
25.9
20.1

17,933
1.90
3.46
16,327
94
34,212
68,566
3,636,163
OK

(11.4)
(81.6)
#DIV/0!
(27.1)
24.3
12.8
(2.8)
705.6
#DIV/0!

FY10

1,511,163
3,165
0
921,510
40.0
186,610
89,810
291,374
18,693
-

FY11E
269,512

13.3
25.8
(0.00)
1.4
0.22
7.4
(0.67)
(52.3)

112,361
76,439
8.99
32,882
7.63
2,564
1.27
475

17.2
43.1
1.01
(18.4)
(1.16)
45.4
0.29
32.2

142,650
104,391
9.72
36,113
7.28
1,503
0.87
643

27.0
36.6
0.74
9.8
(0.34)
(41.4)
(0.40)
35.3

191,272
145,838
10.70
42,650
7.27
2,023
1.01
761

34.1
39.7
0.97
18.1
(0.02)
34.6
0.13
18.4

214,669
167,013
9.82
45,767
6.49
1,492
0.66
397

12.2
14.5
(0.87)
7.3
(0.78)
(26.2)
(0.34)
(47.9)

269,512
210,149
10.19
56,635
6.58
2,252
0.80
476

10.4
10.8
(0.22)
(0.25)
54.9

60,229
56,175
4.33
5.93
624

22.5
21.8
0.19
0.33
(3.1)

87,309
82,651
5.40
7.62
591

45.0
47.1
1.07
1.69
(5.3)

122,953
115,643
6.15
8.54
1,195

40.8
39.9
0.75
0.92
102.3

129,440
119,656
5.21
6.89
541

5.3
3.5
(0.93)
(1.65)
(54.7)

165,850
153,882
5.55
7.50
1,447

(0.71)
(2.9)
0.71

1.45
3,430
12.19

0.08
42.2
0.91

1.60
4,066
8.25

0.15
18.5
(3.94)

2.43
6,115
8.58

0.84
50.4
0.33

0.84
9,243
9.85

(1.60)
51.2
1.26

1.50
10,521
9.00

16.5

52,132
3.51

11.7

55,342
3.18

6.2

68,319
3.18

23.4

85,229
3.24

24.8

103,662
3.24

(24.0)
8.9
(40.2)
325.0
(13.9)

17,304
9,700
3,729
8
1,767
0.50
234

35.9
28.9
76.8
(71.5)
44.7

19,976
11,062
4,419
11
2,114
0.40
53

15.4
14.0
18.5
49.9
19.6

30,647
13,766
6,647
18
2,943
0.48
293

53.4
24.4
50.4
56.6
39.2

35,653
16,822
8,033
24
3,136
0.63
246

16.3
22.2
20.9
36.1
6.5

36,745
20,522
4,418
24
3,021
0.45
259

(39.1)
#DIV/0!
(63.1)
(39.6)

7.1
4.5

1,867

6,980

457.7
#DIV/0!
201.4

7,392

(15.9)
#DIV/0!
5.9

8,500

74.9

4,431
22

18.6

6,664
22

50.4

8,058
23

20.9

4,443
12

129,665
69,436

19.4
16.9

162,626
75,317

25.4
8.5

221,919
98,966

36.5
31.4

250,322
120,882

12.8
22.1

306,257
140,407
20,006
39.8
55,897
35,891

33,262
23,524

15.7

36,174

#DIV/0!
#DIV/0!
(136.4)
#DIV/0!
76.9

2,316

(77.5)
#DIV/0!
24.1

3,736
22

(4.4)
(12.7)
(100.0)
(8.4)
(7.7)
15.2
5.6
5.2
1.8
5.2
(3.9)
(20.4)
17.2
33.4
38.7
(7.0)

(1,938.5)
#DIV/0!
(68.5)
(76.1)

106.8
#DIV/0!
7.4

23,524
408
1,734
395
180
1,948
8
224
107
515
409
1,278
2,940

6,749
7,518
1,519
#DIV/0!

217
14,483

10.0
11.2
#DIV/0!
11.2
12.2
12.3
2.1
(10.5)
4.4
12.0
8.5
15.6
(7.5)
4.6
9.6
10.4
24.0
(24.2)
#DIV/0!
746.3
457.5
#DIV/0!
#DIV/0!
(122.4)
#DIV/0!
64.1

46.8
35,255
24,615
24,615
434
1,939
444
233
1,702
9
362
131
556
554
1,408
3,301
40,062
1,042
5,156
1,385
#DIV/0!

906
7,103

6.0
4.6
#DIV/0!
4.6
6.5
11.9
12.3
29.3
(12.6)
14.5
61.4
22.8
7.9
35.6
10.2
12.3
10.7
(84.6)
#DIV/0!
(31.4)
(8.8)
#DIV/0!
#DIV/0!
318.3
#DIV/0!
(51.0)

0.6

21,691

6.6

32,959

51.9

20.2

6,291
29.00
29.00

5.6

12,472
37.84
37.84

98.3

42.5
42,062
29,244
29,244
512
2,263
454
312
1,911
14
310
153
766
669
1,697
4,270
56,904
(2,163)
8,858
646
#DIV/0!

2,541
9,235
47,669
16,760
35.16
35.16

19.3
18.8
#DIV/0!
18.8
17.9
16.7
2.4
34.0
12.2
44.0
(14.2)
16.9
37.8
20.7
20.5
29.4
42.0
(307.7)
#DIV/0!
71.8
(53.3)
#DIV/0!
#DIV/0!
180.5
#DIV/0!
30.0
44.6
34.4

39.4
47,619
31,211
31,211
536
2,604
476
401
2,228
14
393
166
1,011
772
2,209
6,135

13.2
6.7
#DIV/0!
6.7
4.7
15.1
4.7
28.4
16.6
5.0
26.5
8.5
31.9
15.4
30.2
43.7

73,263

28.7

684
10,536
541
#DIV/0!

2,995
14,215
4,980
59,048
19,994
33.86
33.86

(131.6)
#DIV/0!
18.9
(16.3)

35,891
614
3,073
499
453
2,794
15
471
186
1,213
872
2,761
7,668
84,511
1,500
15,043
1,535
#DIV/0!

#DIV/0!
#DIV/0!
17.9
#DIV/0!
53.9

16,543

23.9

67,968

19.3

23,109
34.00
34.00

(5.7)

(100.0)
(100.0)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
2.1

15,401

15,401
15,401
OK

7.0

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
7.0

15400.83
1834.88
17235.71

(20.8)
2.1

(68.9)
(302.9)
9.1
8.6
#DIV/0!
13.0

16,002
3,850
25.00
25.00
500
8,000
3,651
3,153
498
10.00
23.71
23.71
-

27.4
7.0

65.2
(100.0)
69.3
66.7
#DIV/0!
87.8

20,488

20,488
20,488
OK

33.0

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
33.0

30,909

30,909
30,909
OK

20487.59

30,909

20487.59

30,909

20,643
5,122
25.00
25.00
839
9,886
4,796
4,099
697
13.00
23.41
23.41
-

29.0
33.0

67.8
#DIV/0!
31.3
30.0
#DIV/0!
39.8

30,832
7,727
25.00
25.00
2,756
11,900
1,071
7,378
6,306
1,072
20.00
23.87
23.87
-

50.9

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
50.9

39,054

26.4

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

39,054
39,054
OK

44,859

26.4

44,859

26.9
26.4

36,943
11,215
25.00
25.00
4,241
17,024
(1,071)
5,534
4,730

39,054
76
39,130

49.4
50.9

228.4
#DIV/0!
53.8
53.8
#DIV/0!
53.8

39,130
9,763
25.00
25.00
4,241
17,024
8,101
6,937
1,164
22.00
20.74
20.74
-

53.9
(100.0)
9.8
10.0
#DIV/0!
8.6

804
15.00
12.34
12.34
-

1,234

(155)

76

(0)

(36,943)

49
#DIV/0!

65
#DIV/0!

98
#DIV/0!

124
#DIV/0!

142
#DIV/0!

322
#DIV/0!

342
#DIV/0!

417
#DIV/0!

515
#DIV/0!

639
#DIV/0!

100.0
3,153.0
15.8

130.0
4,098.9
17.0

200.0
6,306.1
17.0

220.0
6,936.7
16.8

150.0
4,729.5
17.0

498.4
3,651.4
23.7
11,749.4
98,263
99,336

696.6
4,795.5
23.4
15,692.0
104,673
113,955

1,071.7
7,377.8
23.9
23,531.0
128,246
128,204

1,164.3
8,100.9
20.7
30,952.6
159,156
159,198

804.0
5,533.6
12.3
39,325.3
198,482
198,482

315.30
315.30
315.30

315.30
315.30
315.30

315.30
315.30
315.30

315.30
315.30
315.30

315.30
315.30
315.30

% Chg

FY12E

% Chg

3,153
15,000
3,153
3,153
58

24.6
167.0
(1.4)
(100.0)

70,368
44,244
20,114
77,122
-

24.1
62.5
#DIV/0!

#DIV/0!
323.8

#DIV/0!
106.3

22.6

35,726
247,575
14,920
262,495

24.2

250,728

24.3

22.2
21.1

3,989,795
1,497,159
37.52

21.6
21.3

15.0
10.0
15.4
23.0
23.0
10.0
23.2
22.2
10.0
22.5

305,477
21,336
284,141
1,191,682
2,222,152
31,266
2,190,886
3,719,311
52,602
3,666,709

12.0
10.0
12.2
24.0
22.5
10.0
22.7
22.0
10.0
22.2

5.0
8.0
40.3
25.0

29,486
334
4,107
94,653
128,581

5.0
7.0
28.8
20.0

18.7

141,903

11.8

33.5
29.1

143,698
32,432
55.0
2,486
4,655
1.4
104,125

4.3
9.1

5.0
19.3
#DIV/0!
36.4

23.0

5.0
13.5
#DIV/0!
2.5

21.7
(41.6)
48.9

10,241
0.37
4,730
89,155

18.7
(2.63)
1.1

22.6

4,399,141
OK

21.0

5.0
163.8
39.8

202,062
196,918
398,979
10.00

5.0
45.1
21.6

#DIV/0!
39.8

15.7
1,061.8
23.4
12.0
8.0
5.0
10.0
10.0
21.4

21.7
21.7
15.0
30.1
15.0
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)

5.0
10.0
7.5
16.7
1.2

398,979
10.00

#DIV/0!
21.6

883,113
114,336
997,449
25.0
21,472
35,373
5,354
72,608
1,132,256
30.4%

15.7
100.0
21.6

2,767,779
2,767,779
58,967
1,387,166
1,321,645

21.9
21.9
15.0
29.7
15.0
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

23,153
24,648
47,801
10.56
21,989
46.0
25,813

5.0
10.0
7.5

10.0
8.0
5.0
10.0
10.0
20.0

12.4
3.7

832
18.0
15.0

2,425
1,593
832

17.0
13.0

1.7

26,645

4.2

#DIV/0!
6.1

8.0

18,116
1.60
2.85
17,633

#DIV/0!
1.0

8.0

10.0
10.0
#DIV/0!
#DIV/0!
8.5

99
37,634
73,482

5.0
10.0
#DIV/0!
#DIV/0!
7.2

22.6

4,399,141

21.0

OK
64.6
29.0
#DIV/0!
118.8
79.3
13.0
19.0
23.0
10.0
#DIV/0!

1,813,459
3,956
0
1,124,242
40.0
210,870
104,180
349,649
20,563
-

20.0
25.0
#DIV/0!
22.0
13.0
16.0
20.0
10.0
#DIV/0!

FY12E
26

335,486

24

25.5
25.8
0.37
23.7
0.09
50.9
0.14
20.0

335,486
262,141
10.44
69,841
6.73
2,909
0.80
595

24.5
24.7
0.25
23.3
0.15
29.2
25.0

28.1
28.6

210,848
196,849
5.82
7.89
1,768

27.1
27.9

167.3

22.2

13.8

1.50
12,231
9.10

16.2

21.6

124,639
3.19

20.2

3.1
22.0
(45.0)
(3.7)

43,004
24,627
4,639
24
4,092
0.40
272

17.0
20.0
5.0
35.4

5.0
#DIV/0!
15.0
(44.9)

22.3
16.2

17.4
15.0
#DIV/0!
15.0
14.5
18.0
5.0
13.0
25.4
5.0
20.0
12.0
20.0
13.0
25.0
25.0

9,350
4,664
11

5.0

378,490
167,643
24,172
40.1
67,210
43,038

23.6
19.4

43,038
731
3,841
524
508
2,427
16
565
214
1,516
1,003
3,590
9,969

15.4

100,432

119.2
#DIV/0!
42.8
183.6

1,000

#DIV/0!
#DIV/0!
(100.0)
#DIV/0!
16.4

5.0
#DIV/0!
10.0

16,032
1,615
#DIV/0!

20.2
19.9
#DIV/0!
19.9
19.0
25.0
5.0
12.0
(13.1)
5.0
20.0
15.0
25.0
15.0
30.0
30.0
18.8
(33.3)
#DIV/0!
6.6
5.2

17,032

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
3.0

15.1

83,400

22.7

15.6

28,773
34.50
34.50

24.5

14.9

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

54,627

21.8

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

14.9

54,627

21.8

(5.6)
14.9

40,456
13,657
25.00
25.00
4,241
17,024
5,534
4,730

9.5
21.8

#DIV/0!
(31.7)
(31.8)
#DIV/0!
(30.9)

804
15.00
10.13
10.13
-

(40,456)

173
#DIV/0!

795
#DIV/0!

150.0
4,729.5
17.0

(100.0)
#DIV/0!
-

804.0
5,533.6
10.1
49,093.5
247,575
247,575

315.30
315.30
315.30

Rs mn

Q1FY04

Q2FY04

Q3FY04

Q4FY04

Q1FY05

Q2FY05

Q3FY05

Q4FY05

Interest Earned

18,922.3

19,254.2

19,345.9

20,274.6

20,447.2

20,984.0

21,320.8

21,846.5

Interest Expended

10,643.5

10,214.7

10,579.9

10,111.8

11,091.2

11,288.5

11,025.7

11,125.7

Net Interest Income

8,278.7

9,039.5

8,766.0

10,162.8

9,356.0

9,695.5

10,295.1

10,720.8

Other Income

2,825.7

7,664.6

4,277.4

3,901.1

4,498.5

6,004.8

2,480.0

3,773.5

Total Income

21,747.9

26,918.8

23,623.3

24,175.7

24,945.7

26,988.8

23,800.8

25,620.0

Total Net Income

11,104.4

16,704.1

13,043.4

14,063.9

13,854.5

15,700.3

12,775.1

14,494.3

Staff Expenses

2,603.0

3,848.8

4,068.4

4,869.6

4,985.3

6,260.8

5,472.4

6,224.3

Other operating expenses

2,546.5

1,705.2

1,856.2

2,209.5

1,719.3

1,962.6

1,857.7

3,000.2

Operating Profit

5,954.9

11,150.1

7,118.8

6,984.8

7,149.9

7,476.9

5,445.0

5,269.8

Provision & Contingencies

2,209.8

6,565.4

2,270.8

2,467.8

2,423.7

2,019.7

1,323.8

527.0

Provision for tax

1,220.0

1,587.1

2,250.0

1,550.8

1,499.5

1,331.7

978.5

1,136.5

Reported Profit

2,525.1

2,997.6

2,598.0

2,966.2

3,226.7

4,125.5

3,142.7

3,606.3

2,525.1

2,997.6

2,598.0

2,966.2

3,226.7

4,125.5

3,142.7

3,606.3

Extra ordinary items


Adjusted Profits
YoY% PAT growth
QoQ% PAT growth

Interest Earned
- Interest on advances
- Interest on investments
- Interest on RBI
- Others
YoY growth
QoQ growth
Interest expenses
- Interest on deposits
- Other interest
Interest expended/Interest earned
YoY growth
QoQ growth
NII growth YoY
NII growth QoQ
Other income YoY growth
Other income QoQ growth
Other income/Net income
Opex
Staff expenses
Other expenses
Cost-income ratio
YoY growth
QoQ growth
Effective tax rate

Advances
YoY growth
QoQ growth

Deposits
YoY growth
QoQ growth

C-D ratio
Borrowings/Debt
YoY growth
QoQ growth
Investments
YoY growth
QoQ growth
I-D ratio
Cash/Bank Balance
YoY growth
QoQ growth

Ratios
Average earning assets YoY
Average earning assets QoQ
NIM YoY
NIM QoQ
Reported
Yield on earning assets YoY
Yield on earning assets QoQ
Average YoY advances
Average QoQ advances
Interest on advances
Yield on advances (YoY)
Yield on advances (QoQ)
Average YoY investments
Average QoQ investments
Interest on investments
Yield on investments (YoY)
Yield on investments (QoQ)
Average YoY balances with RBI
Average QoQ balances with RBI
Interest on RBI/Other balances
Yield on RBI Balances (YoY)
Yield on RBI Balances (QoQ)
Average YoY deposits
Average YoY borrowings & Debt
Average QoQ deposits
Average QoQ borrowings & Debt
Average YoY interest bearing liabilities
Average QoQ interest bearing liabilities
Interest on funds
Avg YoY cost of funds
Avg QoQ cost of funds

Interest expended/Interest earned


NIM

Q1FY06

Q2FY06

Q3FY06

Q4FY06

Q1FY07

Q2FY07

Q3FY07

Q4FY07

Q1FY08

Q2FY08

22,899.8

23,705.1

24,547.5

24,689.1

26,304.5

26,882.4

28,715.7

31,944.0

32,860

34,630.6

12,016.1

11,797.1

12,473.5

12,887.2

13,476.0

14,015.1

15,024.3

17,713.7

19,850

21,716.1

10,883.7

11,908.0

12,074.0

11,801.9

12,828.5

12,867.3

13,691.4

14,230.3

13,010.3

12,914.5

2,528.1

3,123.3

2,445.2

4,215.0

2,927.5

3,709.5

3,997.9

5,183.9

5,090.8

4,678.3

25,427.9

26,828.4

26,992.7

28,904.1

29,232.0

30,591.9

32,713.6

37,127.9

37,951.2

39,308.9

13,411.8

15,031.3

14,519.2

16,016.9

15,756.0

16,576.8

17,689.3

19,414.2

18,101.1

17,592.8

4,998.0

5,812.2

6,813.7

3,525.8

4,792.4

5,108.2

5,812.5

7,811.4

6,410.8

6,418.0

1,968.7

2,382.8

2,221.9

2,508.4

2,176.4

2,471.9

2,310.2

2,779.3

2,359.0

2,625.0

6,445.1

6,836.3

5,483.6

9,982.7

8,787.2

8,996.7

9,566.6

8,823.5

9,331.3

8,549.8

1,161.8

94.0

1,032.2

6,111.4

3,652.0

1,126.9

3,576.9

6,126.9

3,072.1

778.6

1,701.7

2,521.9

747.0

984.6

1,460.0

2,819.9

1,691.0

319.6

2,008.5

2,386.4

3,581.6

4,220.4

3,704.4

2,886.7

3,675.2

5,049.9

4,298.7

2,377.0

4,250.7

5,384.8

3,581.6

4,220.4

3,704.4

2,886.7

3,675.2

5,049.9

4,298.7

2,377.0

4,250.7

5,384.8

10

Q3FY08

Q4FY08

1QFY09

2QFY09

3QFY09

4QFY09

1QFY10

2QFY10

3QFY10

36,361

38,798

41,385

46,504

52,947

52,426

52,074

54,072

55,056

22,117

23,625

26,937

29,382

33,274

33,360

33,456

33,123

31,764

14,244

15,173

14,448

17,122

19,674

19,065

18,618

20,949

23,291

4,834

5,372

4,561

6,628

9,452

8,556

9,702

6,686

7,310

41,196

44,170

45,946

53,132

62,399

60,981

61,776

60,759

62,366

19,078

20,545

19,009

23,750

29,126

27,621

28,320

27,636

30,601

6,575

5,212

6,442

6,898

7,890

8,014

9,076

7,276

8,327

2,590

3,066

2,742

3,174

3,176

3,726

3,550

4,297

4,092

9,914

12,268

9,824

13,678

18,059

15,882

15,693

16,063

18,182

1,576

1,677

2,105

3,177

1,813

2,678

3,018

2,160

2,819

2,923

5,154

2,595

3,430

6,188

4,548

4,355

4,634

5,250

5,415

5,438

5,124

7,071

10,058

8,656

8,321

9,270

10,113

21

31

86

59

5,415

5,438

5,103

7,040

9,972

8,597

8,321

9,270

10,113

128.8%

20.1%

30.7%

84.2%

58.1%

63.0%

31.7%

1.4%

0.4%

-6.1%

37.9%

41.7%

-13.8%

-3.2%

11.4%

9.1%

38798
28469
9758
332
239

41385
30154
10010
903
318

46504
35314
10284
681
225
#DIV/0!
12%

52947
40901
11590
346
111
#DIV/0!
14%

52426
40009
12216
93
107
35%
-1%

52074
40258
11323
452
41
26%
-1%

54072
41518
11936
501
117
16%
4%

55055
41937
12841
231
46
4%
2%

23,625

26,937

29,382

33,274

33,360

33,456

33,123

31,764

61%

65%

63%
#DIV/0!
9%

63%
#DIV/0!
13%

64%
41%
0%

64%
24%
0%

61%
13%
-1%

58%
-5%
-4%

7%
7%

11%
-5%

33%
19%

38%
15%

26%
-3%

29%
-2%

22%
13%

18%
11%

42%
45%
28%

96%
43%
32%

59%
-9%
31%

113%
13%
34%

1%
-31%
24%

-23%
9%
24%

11,739.4
54%
22%
43%
42%
6%

12,626.3
41%
29%
45%
37%
8%

11,572.7
5%
35%
42%
15%
-8%

12,419.3
6%
29%
41%
12%
7%

34%

34%

33%

34%

8,277.1

40%
#DIV/0!
#DIV/0!

48%
#DIV/0!
11%

42%
#DIV/0!
10%

11,066.2
20%
23%
38%
#DIV/0!
10%

49%

34%

33%

38%

1,195,016

9,184.6

1,144,300

10,071.8

1,304,320

1,415,045
8%

1,664,572

1,730,740

1,863,150

1,970,691
6%

1,547,030

32,760

55,800

68,680

1,579,790

1,635,590

1,704,270

29%

38%

25%

20%

9%

2%

4%

4%

2,097,600

92,000

118,630

31,230

2,189,600

2,308,230

2,339,460

26%

27%

24%

19%

6%

4%

5%

1%

70%
56,064

53,820

51,576

72%
49,331
-4%

539,917

188,307

563,401

194,763

586,884

201,219

610,368

74%
47,087

72%
57,634

71%
68,181

73%
78,728

-16%

7%

32%

60%

-5%

22%

18%

15%

633,852

669,700

705,548

741,396

17%

19%

20%

4%

4%

6%

5%

5%

31%

30%

31%

31%

32%

207,675
3%

214,131

219,282

224,434

21%

229,585

14%

13%

12%

11%

3%

2%

2%

2%

961,620

951,232

1,046,212

1,116,544

2,159,127

2,185,618

2,328,998

2,454,170

961,620

1,912,852

1,997,444

2,162,756

2,314,051

2,431,893

2,517,172

2,620,411

6.31%

6.08%

6.55%

7.05%

3.53%

3.41%

3.60%

3.80%

6.31%

3.02%

3.43%

3.64%

3.30%

3.06%

3.33%

3.56%

3.66

3.27

3.78

3.85

3.20

3.41

3.64

3.84

16.14%

17.40%

17.78%

18.97%

9.71%

9.53%

9.29%

8.97%

16.14%

8.65%

9.31%

9.79%

9.06%

8.57%

8.59%

8.40%

597508

572,150

652,160

707,523

1,371,023

1,362,045

1,469,955

1,559,658

597508

1,169,658

1,224,310

1,359,683

1,481,038

1,563,410

1,607,690

1,669,930

28469.0

30153.6

35314.2

40900.6

40009.4

40258.0

41518.2

41937.2

19.1%

21.1%

21.7%

23.1%

11.7%

11.8%

11.3%

10.8%

19.1%

10.3%

11.5%

12.0%

10.8%

10.3%

10.3%

10.0%

269959

281,700

293,442

305,184

586,884

616,550

646,216

675,882

269959

551,659

575,143

598,626

622,110

651,776

687,624

723,472

9758.3

10,010

10,284

11,590

12,216

11,323

11,936

12,841

14.5%

14.2%

14.0%

15.2%

8.3%

7.3%

7.4%

7.6%

14.5%

7.3%

7.2%

7.7%

7.9%

6.9%

6.9%

7.1%

94154

97,382

100,610

103,838

201,219

207,023

212,826

218,630

94154

191,535

197,991

204,447

210,903

216,707

221,858

227,009

331.8

903

681

346

93

452

501

231

1.4%

3.7%

2.7%

1.3%

0.2%

0.9%

0.9%

0.4%

1.4%

1.9%

1.4%

0.7%

0.2%

0.8%

0.9%

0.4%

832,286

865,370

931,575

985,345

1,881,086

1,960,170

2,085,690

2,155,075

28,032

26,910

25,788

24,666

51,576

55,727

59,878

64,030

832,286

1,697,656

1,796,945

1,916,920

2,034,145

2,143,600

2,248,915

2,323,845

28,032

54,942

52,698

50,453

48,209

52,360

62,907

73,454

860,318

892,280

957,363

1,010,011

1,932,662

2,015,897

2,145,568

2,219,105

860,318

1,752,598

1,849,643

1,967,374

2,082,354

2,195,960

2,311,822

2,397,299

23,625

26,937

29,382

33,274

33,360

33,456

33,123

31,764

11.0%

12.1%

12.3%

13.2%

6.9%

6.6%

6.2%

5.7%

11.0%

6.1%

6.4%

6.8%

6.4%

6.1%

5.7%

5.3%

65.1%

63.2%

62.8%

63.6%

64.2%

61.3%

57.7%

6.08%

6.55%

7.05%

3.53%

3.41%

3.60%

3.80%

Check NP
4QFY10

1QFY11

2QFY11

3QFY11

4QFY11

1QFY10

1QFY11

39,054
FY10E

56,076

59,744

64,253

69,391

76,124

24%

22%

214,669

31,097

35,095

39,002

43,210

48,543

26%

21%

129,440

24,980

24,648.7

25,250.9

26,181.2

27,581

22%

24%

85,229

8,532

8,246.4

8,692.2

9,356.9

10,450

27%

22%

35,653

64,608

67,990.5

72,945.0

78,748.4

86,573

25%

22%

250,322

33,511

32,895.1

33,943.0

35,538.1

38,031

23%

23%

120,882

6,532

8,804.1

8,876.7

9,160.0

9,050

Reported Payments to29%


/ Provisions 25%
for employees
31,211

4,469

3,904.9

5,156.0

4,992.2

5,953

Operating Expenses 22%

20%

16,408

22,510

20,186

19,910

21,386

23,028

21%

24%

73,263

6,219

4,200.0

4,000.0

3,800.0

4,543

21%

25%

14,215

5,756

5,435.3

5,409.5

5,979.2

6,285

22%

24%

19,994

10,536

10,550.8

10,500.8

11,606.7

12,201

21%

24%

39,054

815
11,350

0
10,550.8

0
10,500.8

0
11,606.7

12,201

32.0%

26.8%

13.3%

14.8%

7.5%

12.2%

-7.0%

-0.5%

10.5%

5.1%

56076
43300
12277
308
192
7%
2%

59744
46260
13025
418
41
15%
7%

64253
49926
13703
506
117
19%
8%

69391
54157
14587
601
46
26%
8%

76124
59805
15320
727
272
36%
10%

31,097

35,095

39,002

43,210

59%
5%
13%

61%
18%
11%

62%
36%
11%

64%
56%
12%

31%
7%

32%
-1%

21%
2%

12%
4%

10%
5%

0%
17%
25%

-15%
-3%
25%

30%
5%
26%

28%
8%
26%

22%
12%
27%

11,000.9
-18%
20%
33%
-6%
-11%

12,709.0
-3%
10%
39%
1%
16%

14,032.8
22%
20%
41%
21%
10%

14,152.3
10%
22%
40%
14%
1%

15,002.5
39%
33%
39%
36%
6%

35%

34%

34%

34%

34%

161,740

45,536

83,874

100,832

1,911,546

1,995,420

2,096,252

173,762
2,270,014

21%

21%

22%

23%

22%

9%

2%

4%

5%

8%

153,939

90,329

139,983

153,824

2,493,399

2,583,728

2,723,711

2,877,536

21%

#DIV/0!
24%

39,054

Interest/Discount on Advance/Bills
Income on Investments
Interest on Balance with RBI & Others
Others

48,543

55%
-7%
-2%

1,866,010

#DIV/0!

170,247
3,047,783

19%

18%

18%

23%

22%

7%

4%

5%

6%

6%

Interest on Deposits
Interest on RBI/Inter-Bank Borrowings
Other Interest

75%
89,275

74%
94,704

73%
100,132

73%
105,561

74%
110,990

90%

64%

47%

34%

24%

13%

6%

6%

5%

5%

777,245

818,893

860,542

902,190

943,839

23%

22%

22%

22%

5%

5%

5%

5%

5%

31%

32%

32%

31%

31%

234,736

258,098

281,460

304,822

21%

328,184

10%

18%

25%

33%

40%

2%

10%

9%

8%

8%

2,636,502

2,728,655

2,851,496

2,989,258

3,210,014

2,776,621

2,933,264

3,062,979

3,220,343

3,422,650

3.79%

3.61%

3.54%

3.50%

3.44%

3.60%

3.36%

3.30%

3.25%

3.22%

0.79

0.15

3.99

8.51%

8.76%

9.01%

9.29%

9.49%

8.08%

8.15%

8.39%

8.62%

8.90%

1,706,520

1,745,668

1,815,505

1,900,261

2,068,012

1,785,140

1,888,778

1,953,483

2,045,836

2,183,133

43299.6

46260.2

49926.4

54157.4

59805.1

10.1%

10.6%

11.0%

11.4%

11.6%

9.7%

9.8%

10.2%

10.6%

11.0%

705,548

744,297

783,045

821,793

860,542

759,321

798,069

839,717

881,366

923,015

12,277

13025.2

13703.3

14586.8

15,320

7.0%

7.0%

7.0%

7.1%

7.1%

6.5%

6.5%

6.5%

6.6%

6.6%

224,434

238,690

252,947

267,203

281,460

232,160

246,417

269,779

293,141

316,503

308

417.7

505.9

601.2

727

0.5%

0.7%

0.8%

0.9%

1.0%

0.5%

0.7%

0.8%

0.8%

0.9%

2,295,500

2,386,664

2,515,971

2,608,498

2,770,591

68,181

76,169

84,157

92,144

100,132

2,416,430

2,538,564

2,653,720

2,800,624

2,962,659

84,002

91,989

97,418

102,847

108,275

2,363,680

2,462,833

2,600,127

2,700,642

2,870,723

2,500,431

2,630,553

2,751,138

2,903,470

3,070,935

31,097

35,095

39,002

43,210

48,543

5.3%

5.7%

6.0%

6.4%

6.8%

5.0%

5.3%

5.7%

6.0%

6.3%

55.5%

58.7%

60.7%

62.3%

63.8%

3.79%

3.61%

3.54%

3.50%

3.44%

44,859
FY11E
269,512
165,850
103,662
36,745
306,257
140,407
35,891
20,006
84,511
16,543
23,109
44,859
44,859

269512
210,149
56,635
2,252
476

165,850
153,882
1,447
10,521
62%

Demand
Savings
CASA growth
CASA as a % of total deposits
Term
Total deposit growth
Gross advances
Net Advances
Total business
CD ratio
Incremental CD ratio

FY05
124,666
353,411
19
46.3

% Chg
26
16

FY06
167,238
419,082
23
49.0

% Chg
34
19

FY07
164,657
480,886
10
46.2

553,592
1,031,669

16
17

610,529
1,196,849

10
16

753,053
1,398,597

23
17

948,964
1,664,572

640,347
604,128

24
28

775,555
746,274

21
24

992,616
965,965

28
29

1,220,671
1,195,016

1,635,796
59
86

21

1,943,123
62
86

19

2,364,562
69.1
109

22

2,859,588
71.8
86

Incremental borrowings
Incremental Deposits
Incremental gross advances
Incremental investments

165,180
135,208
(96,175)
126,147

Investments
ALM < 1 year
ALM < 1 year amount
ALM < 2 years
ALM < 2 year amount
ALM < 3 years
ALM < 3 year amount
Carry forward
CF yield
Incremental Yields
Incremental Investments
Total Invt @ new yields
Carry forward
New yield
CF yield
Income on invt (new)
Income on invt (CF)
Total
Yield on investments
CHECK
CHECK

506,728
7
29,488
3
10,209
3
8,462
373,096
8.56

Term Deposits
ALM < 1 year
ALM < 1 year amount
ALM < 2 years
ALM < 2 year amount
ALM < 3 years
ALM < 3 year amount
Carry forward
Demand deposits
Savings deposits
Yield on savings

553,592
25
118,984
25
100,693
25
89,252
167,005
124,666
353,411
2.80

CF yield
Incremental Cost

20

85,473
133,632
373,096
7.00
8.14
9,354
30,359
39,713
8.56
8.56
39,740

5.85

410,553
2
10,135
6
25,275
6
20,418
450,900
8.79

201,748
217,061
41,345
(56,659)
(19)

(96,175)
55,828
354,725
8.00
8.99
7,578
32,727
40,305
8.79
8.79
40,303
16

26
16

610,529
23
127,326
4
19,037
4
16,111
391,118
167,238
419,082
2.80
5.60

% Chg
(2)
15

451,898
7
28,739
6
30,404
6
25,275
326,135
7.63

265,976
228,055
88,019
(50,098)
10

41,345
84,418
367,481
7.00
8.57
4,909
30,939
35,847
8.31
7.63
32,882
10

34
19

753,053
25
152,632
4
22,144
4
19,037
416,716
164,657
480,886
2.80
5.93

FY08
177,912
537,697
11
43.0

539,917
12
54,228
8
32,844
8
40,538
324,288
7.28
88,019
127,610
412,307
7.00
7.36
7,421
28,692
36,113
7.28
7.28
36,113

23

(2)
15

948,964
31
233,447
22
134,316
22
121,790
263,500
177,912
537,697
2.80
7.62

Incremental deposits
Total deposits@ new yields
Carry forward
New yield
CF yield
expense on deposits (new)
Expense on deposits (CF)
Interest on savings
Total
Check
Cost of deposits
Check
Yield on term deposits
Check

Advances
ALM < 1 year
ALM < 1 year amount
ALM < 2 years
ALM < 2 year amount
ALM < 3 years
ALM < 3 year amount
Carry forward
CF yield
Incremental Advances
Total Advances@ new yields
New yield
CF yield
Income on Advances (new)
Income on Advances (CF)
Total
Check
Yield on Advances
Check

77,658
386,587
167,005
5.30
6.70
20,489
11,195
9,896
41,580
41,633

56,937
219,412
391,118
5.95
5.85
18,028
16,331
11,734
46,093
46,118

142,524
336,338
416,716
7.25
5.60
20,146
22,622
13,465
56,233
56,175

195,910
685,463
263,500
8.97
6.40
45,818
21,779
15,056
82,652
82,651

4.35
4.36
6.16
5.85

4.14
4.14
5.90
5.60

4.33
4.33
6.27
5.93

5.40
5.40
7.94
7.62

604,128
49
231,401
18
72,411
18
61,865
106,571
7.98
131,880
497,557
6.60
9.04
32,826
9,635
42,461
42,461
7.89
7.98

28

746,274
49
296,022
12
85,004
12
72,411
150,690
7.98
142,146
595,584
7.90
7.98
43,153
10,262
53,415
53,415
7.91
7.98

24

965,965
49
365,674
12
108,743
12
85,004
186,852
8.99
219,691
779,113
9.16
7.98
62,978
13,461
76,439
76,439
8.93
8.99

29

1,195,016
30
473,323
22
89,553
22
108,743
294,346
9.72
229,050
900,669
9.85
8.99
82,768
21,622
104,390
104,391
9.66
9.72

10,501
% Chg
8
12

924,920
% Chg
6
17

26
19

198,640
FY09
188,139
626,460
14
38.8
726,280
1,283,006
2,097,605

38,532
% Chg
26
25

35
26

1,018,500
FY10E
237,172
781,328
25.0
40.8
1,018,500
1,474,798
2,493,298

23
24

1,569,184
1,547,030

29
29

21

3,644,635
73.8
81

27

8,483
433,033
348,513
93,935
(932)
19

26

8
12

633,852
14
73,915
6
25,216
6
22,909
417,878
7.27
93,935
122,039
511,812
8.37
7.28
10,451
33,648
44,099
7.51
7.27
42,650
36,100
1,283,006
34
325,400
21
156,259
21
126,685
340,621
188,139
626,460
2.80
8.54

% Chg
15
23

FY12E
305,477
1,191,682
21.3
40.3

% Chg
12
24

15
19

FY11E
272,748
961,034
21.1
40.5
1,474,798
1,814,002
3,047,783

23
22

2,222,152
3,719,311

23
22

1,888,339
1,866,012

20
21

2,303,774
2,270,014

22
22

2,810,604
2,767,779

22
22

4,359,310
74.8
81

20

5,317,797
74.5
73

22

6,487,090
74.4
74

22

68,027
395,693
319,155
143,393
1,172
17

35

6
17

777,245
13
81,133
6
31,855
6
26,662
494,202
6.49
143,393
283,043
494,202
4.55
7.27
9,213
36,554
45,767
6.49
6.49
45,767
9,668
1,474,798
38
487,542
22
204,976
22
162,660
427,828
237,172
781,328
2.80
6.89

41,430
554,485
415,435
166,594
13,886
23

15

26
25

943,839
13
99,487
6
37,397
6
31,855
608,505
6.58
166,594
335,334
608,505
6.75
6.49
20,870
35,765
56,635
6.58
6.58
56,635
14,159
1,814,002
38
560,423
22
277,129
22
204,976
432,269
272,748
961,034
3.30
7.50

36,430
671,528
506,830
188,418
12,710
21

23

15
23

1,132,256
13
120,811
6
45,857
6
37,397
739,773
6.73
188,418
392,484
739,773
7.00
6.58
25,474
44,367
69,841
6.73
6.73
69,841
17,460
2,222,152
38
689,321
22
318,556
22
277,129
528,995
305,477
1,191,682
3.30
7.89

20

23

12
24

24

334,042
942,385
340,621
9.08
8.00
73,942
24,160
17,541
115,643
115,643

191,792
1,046,970
427,828
6.53
8.54
64,978
32,801
21,877
119,656
119,656

339,204
1,381,732
432,269
7.62
6.89
92,534
29,635
31,714
153,882
153,882

408,150
1,693,157
528,995
7.90
7.50
121,458
36,065
39,325
196,849
196,849

6.15
6.15
8.79
8.54

5.21
5.21
7.09
6.89

5.55
5.55
7.43
7.50

5.82
5.82
7.81
7.89

119,656.2

38,471

1,547,030
35
358,505
21
115,916
21
89,553
631,042
10.70
352,014
915,988
11.16
9.72
101,386
44,992
146,378
145,838

29

1,866,012
31
547,030
23
262,903
23
115,916
621,181
9.82
318,982
1,244,831
9.38
10.48
101,388
65,625
167,013
167,013

10.68
10.70

9.79
9.82

123,713

43,300

21

2,270,014
31
580,516
23
322,865
23
262,903
699,727
10.19
404,002
1,570,287
10.32
9.82
145,260
64,889
210,149
210,149
10.16
10.19

22

2,767,779
31
706,201
23
421,719
23
322,865
819,229
10.44
497,764
1,948,550
10.50
10.19
184,739
77,403
262,141
262,141
10.41
10.44

22

In Rs Mn
Equity Capital
Reserves & surplus
Deposits
Borrowings
Subordinated Debt
Other liabilities & provisions
Total Liabilities

Q1FY04

Q2FY04

Q3FY04

Q4FY04

879,164

801,850

945,890

879,164

419,270
401,970

518,710

421,255
472,247

Cash & balances with RBI


Balances with banks & money at call
Investments
Advances
Fixed assets
Other assets
Total Assets
Business

Cost of deposits (%)


Cost of funds (%)
Yield on Advances (%)
Yield on Investments (%)
Yield on Funds (%)
NIM %
NIM % - Full year
Asset Quality
Gross NPA (Rs Mn)
Gross NPA %
Net NPA (Rs Mn)
Net NPA %

Q1FY05

3.80

46200.0
2500.0

Provision Coverage %
EPS (Basic)
EPS (Diluted)
Return on assets (% Annualised)
Return on equity (% Annualised)
Interim dividend %
Restructured Accounts
A/cs slipped to NPA
Biggest a/c restructured

CAR (%)
Tier I (Rs mn)
Tier I
Tier II (Rs mn)
Tier II
Total Capital
RWA
Growth in Balance Sheet Size % y-o-y
Growth in Business Size % y-o-y
Growth in advances % y-o-y
Growth in deposits % y-o-y
Credit-Deposit Ratio %

#REF!
#REF!
#REF!
#REF!
0.0

#REF!
#REF!
#REF!
#REF!
50.1

#REF!
#REF!
#REF!
#REF!
54.8

#VALUE!
#VALUE!
#VALUE!
#VALUE!
53.7

#DIV/0!
#DIV/0!
#DIV/0!
(100.0)
#DIV/0!

Total Domestic Branches


Extension Counters
Overseas branches
ATM
CBS
Customer Base
Saving a/c deposits
Current a/c deposits
Demand deposits
CASA as a % of total deposits
Retail Advances
Retail as a % of total adv
Bulk + CD
Bulk
CD
Core Deposit
Core Deposit To Total Dep (%)
Income Statement (Rs mn)
Total Interest Income
Intrest Income - Advances
Interest Income - Investments
Others
Total Interest expended
Interest expended on deposits
Interest expended on borrowings
Others
Net Interest Income
Non interest income
Commission Exchange & Brokerage
Treasury gains
Exchange gains
Miscelllaneous Income
Operating income
Operating Expenses
Wages
Others
Operating profit
Provisions & Contingencies
Depreciation on investments
Provision for standard assets
Provison for standard restructured assets
NPA provisions
Others
Profits before tax
Taxes
Net Profit
Break up of advances
Agricultural Advances
- % of Net Bank Credit
Priority Sector Advances
- % of Net Bank Credit
SSI Sector advances

85140.0
18.0

- % of Net Bank Credit


SME Advances

Investment Portfolio
HTM/SLR Ratio (%)
AFS (Rs)
HTM (Rs)
Held for trading (Rs)
Duration (AFS)
Portfolio Duration
Portfolio Immunity (%)
% in HTM (NDTL)

Gross Advances
Food Credit
Non-Food Gross Bank Credit
Agriculture & Allied
Industry
MSME
Large Industry
Retail Loans
Housing Mortgage Loans
Personal Loans
Educational Loans
Other Retails Loans
Commercial real estate
Others
Industry wise Deployment
Mining & Quarrying
Food Processing
Textiles
Chemical & Chemical products
Cement & Cement products
Basic Metal & Metal products
Iron & Steel
Engineering Products
Infrastructure
Power
Tel-Com
Industry (Small & Large)
Asset Quality Details
NPA as at the beginning
Recovery
Upgradation
W/O
Total Reduction
Fresh Addition
Gross NPAs
Provisions
Net NPAs

Q2FY05

Q3FY05

Q4FY05

Q1FY06

Q2FY06

Q3FY06

Q4FY06

3,153

3,153

3,153

3,153

Q1FY07

945,890

959,223

1,031,669

1,013,030

1,094,142

1,057,490

1,196,850

3,153
93,187
1,171,730

1,100,593

1,127,647

1,262,410

1,208,430

1,289,940

1,299,956

1,452,670

1,377,680

460,186
518,705

475,027
512,398

506,730
604,128

506,310
564,350

524,421
638,682

455,672
671,903

410,550
746,270

430,890
775,460

1,100,593
1,464,595

1,127,647
1,471,621

1,262,410
1,635,796

1,208,430
1,577,380

1,289,940
1,732,824

1,299,956
1,729,393

1,452,670
1,943,120

1,377,680
1,947,190

4.6

4.5

4.4

4.4

4.3

4.3

4.3

4.4

8.3
8.2

8.3
8.3

8.1
8.2

8.3
8.2

8.4
8.1

8.4
8.1

8.3
8.2

8.8
7.9

3.80

3.86

3.87

3.85

3.99

4.02

4.00

4.07

41548.0

41880.0
7.8
1370.0
0.3

37413.4
6.0
1189.7
0.2

35300.0
6.0
486.7
0.1

33586.0
5.1
2012.9
0.3

33180.0
4.8
1657.8
0.3

31382.9
4.1
2101.7
0.3

31620.0
4.0
2659.0
0.4

15.6

96.7
11.9

96.8
13.5

98.6
11.4

94.0
13.4

95.0
11.8

93.3
9.2

91.6
11.7

1.3

1.2

1.2

1.2

1.2

1.2

1.1

1.1

14.0

12.0

12.3

30.0

12.6

14.8

15.5

14.2

7.4

8.9

9.7

9.1

10.1

9.7

5.1

5.9

5.9

5.15

1.9

2.6

#DIV/0!
#DIV/0!
27.9
17.3
58.6

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
55.7

17.2
18.3
23.1
15.7
58.4

15.1
18.8
23.5
16.0
62.4

14.0
23.4
37.4
15.7
66.2

#DIV/0!
#DIV/0!
29.0
18.0
54.8

13.1

#DIV/0!
#DIV/0!
(1.2)
1.4
53.4

15.3
17.5
31.1
10.2
63.5

99281.5
19.1

99150.0
19.4

95964.0

103750.0

57236.0

478075.4
46.3

461536.5
45.6

502211.2
45.9

514363.1
48.6

586336.8
49.0

568992.1
48.6

97356.0
16.1

122060.0
21.6

134030.0
21.0

142290.0
21.2

177140.0
23.7

181720.0
23.4

19.0

19.4

124830.0
18.9

130310.0
18.9

145870.0
19.1

152950.0
19.1

264690.0

262260.0
46.5

288550.0
44.4

334100.0
44.2

340200.0
45.5

67070.0

73720.0

86120.0

84340.0

11.4

11.1

Q2FY07
3,153
98,217
1,284,150

Q3FY07
3,153
1,302,250

1,486,470

Q4FY07 1QFY08

2QFY08

3QFY08

3,153
101,202
1,398,597

3,153
105,427
1,426,090

3,153
110,797
1,499,800

1,624,225

1,544,608

4QFY08

3,153

1QFY09

1,526,217

3,153
120,030
1,664,572

3,153
1,730,740

1,733,132

1,796,880

1,990,204

1,936,328

449,300
823,400

876,490

451,898
992,616

489,420
956,400

501,260
1,014,940

51,590
1,015,342

539,920
1,195,016

604,210
1,144,300

1,486,470
2,107,550

2,178,740

1,624,225
2,391,213

1,544,608
2,382,490

1,733,132
2,514,740

1,796,880
2,541,559

1,990,204
2,859,588

2,064,580
2,875,040

4.4

4.4

4.5

5.5

5.6

5.6

5.66

9.0

9.4

9.2

10.2

10.2

10.6
6.9

10.44

5.9
5.3
10.7
6.5

3.86

4.21

4.07

3.59

3.49

3.66

3.66

3.27

30910.0
3.7
1453.7
0.2

32677.2
3.7
3650.9
0.4

33,907
3.4
7,256
0.8

37,090
3.8
9,260
1.0

47,166
4.6
18,663
1.86

42,506
4.1
13,394
1.33

33,193
2.7
7,538
0.6

32,647
2.8
7,148
0.6

95.3
16.0

88.8
13.6

78.6
7.5

75.0
13.5

60.4
17.1

68.5
17.2

77.3

78.1

1.2

1.1

1.0

1.0
16.1

1.2

1.2

1.1
20.2

1.0
18.2

12.7

12.9

12.3

12.4

12.6

14.0

13.5

13.0

9.6

8.9

9.5

9.0

8.9

3.1

3.4

3.1

4.5

4.1

22.5
19.6
20.4
19.0
71.8

33.7
20.7
19.6
21.4
66.1

15.2
21.6
28.9
17.4
64.1

(100.0)
26.0
30.4
23.1
67.3

11.8
23.1
33.0
16.9
71.0

12.1
22.4
23.3
21.7
67.1

16.6
19.3
23.3
16.8
67.7

#DIV/0!
16.7
15.8
17.2
66.5

4117.0
421.0
2.0
1009.0
2526.0

629233.5
49.0

615964.3
47.3

197940.0
24.0

194720.0
22.2

645,543
46.2

4264.0
322.0
3.0
4589.0
3503.0

44.2

43.9

504,262
171,394
675,656
44.3

220,350
23.0

241,000
23.7

172,640
17.0

188,340
15.8

188,930
16.5

36360.0
26690.0
9200.0
470.0
22120.0
20970.0
190.0
960.0
14240.0
4840.0
2410.0
1330.0
550.0
550.0
19080.0
9164.9
6575.1
2598.8
9915.1
1570.0

38800.0
28470.0
9760.0
570.0
23625.0
22150.0
250.0
1225.0
15175.0
5370.0
3250.0
710.0
560.0
850.0
20545.0
8277.1
5211.5
3065.6
12267.9
1676.7

41380.0
30150.0
10010.0
1220.0
26930.0
25190.0
390.0
1350.0
14450.0
4560.0
3160.0
130.0
590.0
680.0
19010.0
9180.0

8345.1
2930.0
5415.1

537,697
177,912
715,609
43.0

562,837
152,132
714,969
41.3

10591.2
5153.5
5437.7

9830.0
2110.0
1510.0

480.0
120.0
7720.0
2600.0
5120.0

165700.0
19.4

179925.0
15.7

366150.0
44.2

411982.3
36.0

96060.0

169904.2

11.6

14.8
166525.6

182307.7

2QFY09

3QFY09

4QFY09

1QFY10

3,153

3,153

3,153

1,863,150

1,970,691

2,097,600

2,189,600

2,208,010

2,315,665

2469190.0

2575060.0

1,304,320

63,243
1,415,045

633,850
1,547,030

652,990
1,579,790

2,208,010
3,167,470

2,317,210
3,385,736

2,469,190
3,644,630

2,575,060
3,769,390

6.2
5.5
11.7
7.1
8.7
3.8

6.6

6.2

11.9

11.3

3.9

3.2
3.5

287,360
2.4
5,447
0.4

32643.5
2.3
5523.1
0.4

98.1

1.3

2QFY10

3QFY10

2,308,230

2493399.0
18.7

1.4

18.9

1,704,270
10.2

1866010.0
20.4

4.2

20.6

3,943,820

4,043,730
11.0

4,359,409
19.4

5.9
5.4
10.5
6.7
8.4
3.4

5.6
5.1
10.8
6.4
8.4
3.6

5.2
5.7
11.9
7.2
9.1
3.8

4.9
4.4
10.2
6.6
7.8
4.0
3.6

27674.6
1.8
2638.5
0.2

28646.7
1.8
2971.9
0.2

26186.0
1.6
2326.6
0.1

83.1
31.9

90.5

89.6

1.7

1.4
26.4

1.4
23.8

1.4

1.5

40747.0

59715.0

83740.0

100500.0

13.9
9.4

60620.0
4.5
186560.0
1367710.0
27.4
26.0
28.5
24.2
70.0

YoY

2,339,460
11.5

702,670
1,635,590
5.7

29.0
33.2
39.4
29.1
71.8

14.0
138000.0
9.0
77700.0
5.1
215700.0
1536920.0

14.5

24.1
27.5
29.5
26.0
73.8

24.7
31.1
38.1
26.5
72.1

20.5%
31555.6
1.8
8119.0
0.48

32144.1
1.7
9816.9
0.53
22327.20
91.1
74.3
69.46
82.9% including w-offs

100462.0
13.6
125940.0

4QFY10

14.7
159610.0
9.4
90550.0
5.3
250160.0
1696810.0
(100.0)
24.5
25.4
23.9
70.9

120960.0
7754.3
6.5%
7000.0

105930.0
5468.0
14.6

14.2

9.3

9.2

5.3

5.0

19.4
20.4
18.7
72.8

(0.3)
(1.3)
(1.7)
(0.6)
(1.3)
0.8

1.9%
(0.12)
20.9%
0.05
(4.81)

6.5%
6.4%
6.4%

1233652.4

4427.0
238.0
3.0
2150.0
4427.0
49347.6

1419970.0

568830.0
154850.0
723,680
38.8

1233652.4
579290.0
157830.0
737,038
37.4

1283000.0
626460.0
188140.0
814,600
38.8

1419970.0
697,700
190,560
888,260
38.5

1414540.0
726280.0
198640.0
924920.0
39.5

781330.0
237170.0
1018553.5
40.9

191,820
14.7

194510.0
12.7

250120.0
32.8

421070.0
262650.0
158420.0
1406190.0
75.5
22.6

450500.0
45930.0
313310.0
1446190.0
73.4
22.9

450500.0
249960.0
200540.0
1562670.0
74.5
21.5

494870.0
240590.0
254280.0
1762140.0
76.3
21.4

461140.0
229020.0
232120.0
1803700.0
77.1
19.7

483220.0
217820.0
265400.0
1922970.0
77.1
19.4

8480.0
4570.0
1570.0
750.0
1590.0

9350.0
3850.0
1380.0
1220.0
2900.0

46500.0
35310.0
10280.0
910.0
29380.0
27620.0
400.0
1360.0
17120.0
6630.0
3080.0
720.0
830.0
2000.0
23750.0
10070.0
6900.0
3170.0
13680.0
3180.0
(130.0)

52950.0
40900.0
11590.0
460.0
33270.0
31600.0
90.0
1580.0
19680.0
9460.0
3370.0
3410.0
1100.0
1580.0
29140.0
11066.2
7890.1
3176.1
18073.8
1810.0
(3120.0)

3100.0
210.0
10500.0
3430.0
7070.0

3670.0
1260.0
16263.8
6180.0
10083.8

52430.0
40010.0
12220.0
200.0
33360.0
31220.0
320.0
1820.0
19070.0
8550.0
4170.0
2390.0
410.0
1580.0
27620.0
11739.5
8013.5
3726.0
15880.5
2678.2

13202.3
4547.6
8654.7

4894.0

52070.0
40260.0
11320.0
490.0
33450.0
31230.0
180.0
2040.0
18620.0
9700.0
4590.0
3580.0
610.0
920.0
28320.0
12630.0
9080.0
3550.0
15690.0
3020.0
(500.0)

54070.0
41520.0
11940.0
610.0
33120.0
30700.0
200.0
2220.0
20950.0
6690.0
3810.0
1500.0
550.0
830.0
27640.0
11570.0
7280.0
4290.0
16070.0
2160.0
830.0

2690.0
830.0
12670.0
4350.0
8320.0

1300.0
30.0
13910.0
4630.0
9280.0

(5430.0)

420.0

1330.0
(290.0)

207490.0
15.9

240570.0

238400.0
15.1

250090.0
15.3

272240.0
16.0

449180.0
34.4

507930.0

513330.0
32.5

537560.0
32.9

563420.0
33.1

248400.0

243510.0

251570.0

139280.0

5039.0

11970.0
(60.0)
490.0
1150.0
4620.0
1.0
(2620.0)

302070.0
16.2

25%
26%
25%
2.0

0.1
16820.0

10.7

15.7

14.9

14.8

310300.0

326540.0
19.2

704750.0
88.0
130770.0
559370.0
14610.0
2.6
4.8

741840.0
88.0
134660.0
588470.0
18710.0
2.7
4.8

189480.0

204660.0

237000.0

584520.0
89.0
131610.0
451600.0
1310.0
2.1
4.2

632430.0
87.6

637610.0
86.0
151950.0
483550.0
2110.0
2.6
4.7

652990.0
87.0

26.4

26.4

22.9

1317050.0
31880.0
1285170.0
207490.0
526780.0
189480.0
337300.0
159090.0
86500.0
9760.0
14210.0
48620.0

1562070.0
32270.0
1529800.0
240570.0
646650.0
237000.0
409650.0
159470.0
93070.0
10290.0
15590.0
40520.0

1673910.0
28140.0
1645770.0
250090.0
733810.0
310300.0
423510.0
170330.0
102060.0
9560.0
19020.0
39690.0

391810.0

483110.0

491540.0

1813330.0
32670.0
1780660.0
302070.0
887080.0
206590.0
680490.0
192140.0
106120.0
13940.0
22720.0
49360.0
152580.0
(832430.0)

6340.0
45990.0
57320.0
43040.0
12720.0
93960.0
84550.0
38150.0
142510.0
85610.0
3950.0
594100.0

7540.0
51000.0
43100.0
23530.0
7940.0
79830.0
71180.0
33040.0
188420.0
79370.0
48440.0
700380.0

10260.0
47650.0
52170.0
24800.0
16190.0
83800.0
73170.0
22400.0
215440.0
65880.0
69600.0
733810.0

10930.0
33240.0
60540.0
26570.0
11510.0
88970.0
78200.0
26440.0
232770.0
95090.0
51300.0
887080.0

33190.0
7970.0
3300.0
120.0
11390.0
9440.0
31240.0
25800.0
5440.0

33190.0
13690.0
4480.0
4660.0
22830.0
17310.0
27670.0
25040.0
2630.0

25070.0
4070.0
2520.0
950.0
7540.0
8590.0
26190.0
23860.0
2330.0

3.0

148209.0

2.4

780580.0
89.0
139730.0
610130.0
30720.0
2.3
4.7

32.9

326540.0
178740.0

27670.0
6000.0
2630.0
4830.0
13460.0
19850.0
34060.0

25070.0
9500.0
3280.0
8530.0
21310.0
28380.0
32140.0
22330.0
9810.0

3500.0
650.0
3700.0
7850.0
8530.0

1.8%

QoQ

6.6

9.5

6.4%

0.15

16%

8%
19%
10%
1.3

11260.0

2.6%

PNB Bank Model Summary

FY 95

FY 96

BALANCE SHEET (YEAR END FIGURES)

FY 95

FY 96

% Chg

FY 97
FY 97

Stock Holders Funds


Capital - Issued, Subscribed & paid Up
Reserves & Surplus
Revaluation Reserves
Deposits
Demand Deposits
Savings Bank Deposits
Term Deposits
Borowings
Subordinated Debt
Other Liabilities & Provisions

Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

13,420.7
3,505.7
6,075.7
3,839.3
308,064.1
32,703.3
94,346.8
181,014.1
3,448.6
3,899.1
21,599.3

TOTAL LIABILITIES

Rs mn

#DIV/0!

350,431.9

Cash & Bank Bals with RBI & Bals with Banks & Money
Rs mn
at Call & Short-Notice
Investments
Rs mn
Advances (Net of Specific Loan Loss Provns, Int in suspense
Rs mn & Bills Rediscounted)
Fixed Assets (incl Assets on Lease)
Rs mn
Other Assets
Rs mn
-

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

46,161.4
139,765.7
140,668.9
5,866.7
17,969.1

WORKING FUNDS (TOTAL ASSETS)

#DIV/0!

350,431.9

TALLY

TALLY

Rs mn

Difference

Reported Gross Advances (as per prospectus)


Rs mn
Gross Advances
Rs mn
Total Business (i.e. Non-Bank Deposits + Gross Advances)
Rs mn
Total Retail Business (i.e. Non-Bank Deposits + Gross
Rs Advances)
mn
External Funding
Rs mn
Low Cost Funds
Rs mn
Interest Earning Advances
Rs mn
Interest Earning Assets
Rs mn
Networth
Rs mn
SLR Investments
Rs mn
Actual Working Funds
Rs mn
Investments - Divd earning (Equity, Pref, Units)
Rs mn
Investments - Divd earning (Subsidiaries)
Rs mn
Investments - SLR
Rs mn
Investments - Non _Divd
Rs mn
Investments - Equity shares, Convertibles, Equity MFs
Rs mn
Non-resident Deposits
Rs mn
Non-resident Deposits (As % of Total Deposits) %
#DIV/0!
Incremental NR Deps
Rs mn
Incremental NR Deps / Incremental Deposits
%
No Of Deposit Accounts
Mn
Avg Size of Each Deposit (Rs '000)
Rs '000
#DIV/0!
No Of Borrowal Accounts
Mn
Avg Size of Each Borrowing (Rs '000)
Rs mn
#DIV/0!
BALANCE SHEET (AVERAGE FIGURES)
Equity Capital
Rs mn
Networth
Rs mn
Deposits
Rs mn
Deposits + Borrowings
Rs mn
External Funding
Rs mn
Cash, Balances with RBI, Call Markets & Interbank Funds
Rs mn
Investments
Rs mn
Gr Advances
Rs mn
Interest Earning Advances
Rs mn

FY 95

#DIV/0!
#DIV/0!

TALLY

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

FY 96
-

% Chg
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

140,668.9
448,733.1
442,032.6
315,411.8
127,050.1
140,668.9
326,596.0
9,581.4
118,603.3
346,592.5
3,432.1
1,495.3
118,603.3
134,838.3

#DIV/0!
#DIV/0!
FY 97
1,752.9
4,790.7
154,032.1
155,756.3
157,705.9
23,080.7
69,882.9
70,334.5
70,334.5

Assets
Rs mn
Interest Earning Assets
Rs mn
Average Business
Rs mn
Average Retail Business
Rs mn
Borrowings
Rs mn
Subordinate Debt
Rs mn
INVESTMENTS (Adj for Reverse Repo held)
Rs mn
INVESTMENTS (Excl Divd Paying Investemnts & adjRsformn
Rev repo)
INVESTMENTS (Equities , Pref Shares, Units & Subsidiaries)
Rs mn
INVESTMENTS (Equities , Pref Shares, & Units) Rs mn
Net ADVANCES
Rs mn
Gross NPA
Rs mn
Net NPA
Rs mn
Investment Fluctuation Reserve
Rs mn

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

175,215.9
163,298.0
224,366.5
221,016.3
1,724.3
1,949.5
69,882.9
67,419.1
2,463.7
1,716.1
70,334.5
-

P&L Account
Interest Earned
Interest Expended
NET INTEREST INCOME
Non-Interest Income
of which Core Fee Incomes
of which Non-Core Fee Incomes
NET REVENUES (Total Optg Income)
Total Income
Employee Expenses
Non-Employee Expenses
Operating Profits
Provisions
Tax Provisions
Implied Tax Rate
Actual Profits
Other Non-Recurring items (-ve is gain)
Reported Net Profit

Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
%
Rs mn
Rs mn
Rs mn

FY 95
#DIV/0!
-

FY 96
#DIV/0!
-

% Chg
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

FY 97
36,540.0
24,387.0
12,152.9
4,687.9
2,483.7
2,204.2
16,840.8
41,227.9
8,110.2
2,534.1
6,196.6
2,590.9
1,228.5
34.1
2,377.2
2,377.2

Reported PAT
Normalised
Non Core Profits
Marginal Tax Rate
Core Profits

Rs mn
Rs mn
Rs mn
%
Rs mn

46.0
-

Total NPA Related Provisions (incl Gen / adhoc provns)


Rs mn
Non-Core Fee Incomes (post Tax)
Rs mn
Ratio Monitor
Asset Quality
Gross NPAs
Opening
Additions
Add: Taken over from NBL on amalgamation
Additions as a % of Closing Gross Advances
Less Deductions
Written Off
Recovered
Change
Change
Gr NPA Ratio
Reported Gr NPA

Rs Mn
Rs Mn
Rs Mn
Rs Mn
%
Rs Mn
Rs Mn
Rs Mn
Rs Mn
%
%
%

Less Provisions - Closing


Opening
Adhoc Reseves Trsf

Rs mn
Rs mn
Rs mn

#DIV/0!

2,377.1
2,377.2
349.3
35.0
2,150.1

#DIV/0!
#DIV/0!

2,590.9
227.0

FY 95

FY 96

% Chg

#DIV/0!
-

#DIV/0!
-

43.0
-

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
-

#DIV/0!
-

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

FY 97
#DIV/0!
-

#DIV/0!
#DIV/0!
-

Additions in Year
Rs mn
Add: Provisions Taken over from NBL on amalgamation
Rs mn
Less Deductions
Rs mn
Written Off
Rs mn
Recovered
Rs mn
Change
Rs mn
Change
(%)

#DIV/0!
-

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

Less Int under suspense & DICGC Claims

Rs mn

Net NPAs
Change
Change
Change as % of Net Adv
Net NPAs / Net Advances

Rs mn
Rs mn
(%)
(%)
%

Provisions on Restructured assets

Rs mn

Specific Loan Loss Reserves


General Loan Loss Reserves
of whch Adhoc 90 Day reserve
Balance
Total Loan Loss Reserves
Coverage Ratios
(Specific)
(Total incl General)
Net NPAs
Adjusted Net NPAs
Adjusted Net NPAs / Net Advances
Incremental Delinquncy Rate

Rs Mn
Rs Mn
Rs Mn
Rs Mn
Rs Mn

Restructured Advances
As % of Gross Advances
Troubled Assets
As % of Gross Advances

Rs Mn
%
Rs Mn
%

Cash Recoveries
Accounts Settled
Accounts Settled (Value)

Rs Mn
Nos
Rs Mn

Standard
Sub-Standard
Doubtful
Loss
Gross NPAs
Check - Difference

Rs Mn
Rs Mn
Rs Mn
Rs Mn
Rs Mn

Standard
Sub-Standard
Doubtful
Loss

%
%
%
%

Normal Spead Calculations


Cost of Deposits
Cost of Ext Funds
Yield on IE Assets
Spreads

%
%
%
%

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

15.2
15.5
22.4
6.9

Margins, Cost & Efficiency Ratios


Interest Expensed/ Interest Earned

#DIV/0!

66.7

%
%
Rs Mn
Rs Mn
%
%

#DIV/0!
-

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
-

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
-

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
-

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Avg Yield on Earning Assets


Avg Yield on Investments
Avg Yield on Int Earn Advances
Cost of (External) Funds
Net Interest Margin
Net Interest Spread

%
%
%
%
%
%

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

22.4
21.8
27.8
15.5
7.4
6.9

Earnings Ratios
Core Earnings / Other Income
Core Earnings / Average Business
Core Earnings / Average Assets

%
%
%

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

45.9
1.0
1.2

Non Core Fee Income/ Optg Income


%
#DIV/0!
Non Core Fee Income (Post Tax) / PAT
%
#DIV/0!
NPA Provisions (incl Gen provns) / Non Core Fee Income
%
(Pre-Tax)
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

13.1
9.6
741.8

Valuation
BV
Price / BV
Networth
Tax Neutral Adj NW
TN Adj BV
Price / Tax Neutral Adj BV
Tax Adjusted Adj NW
Tadj-Adj BV
Price / Tax Adj- Adj BV

Rs.
X
Rs Mn
Rs Mn
Rs.
X
Rs Mn
Rs.
X

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

27.3
9,581.4
9,581.4
27.3
9,581.4
27.3
-

Profitability
ROAE
ROAA
EPS (Wt Avg)
Core ROAE
Core ROAA
Core EPS (Wt Avg)

%
%
Rs
%
%
Rs

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

49.6
1.4
13.6
44.9
1.2
12.3

EPS (Wt Avg)


EPS (Fulyl Diluted)

Rs.
Rs.

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

13.6
6.8

Capital Adequacy
Tier 1 Capital
Tier 2 Capital
Total Capital
Total Risk Weighted Assets & Contingents
RWA Factor
Capital Ratios
CAR
Of which Tier 1
Of which Tier 2

Rs mn
Rs mn
Rs mn
Rs mn

%
%
%

Recapitalisation & Return of Capital


Return of capial
Temp Recap Bonds
Payment against retn oif capital
Dividend / Divd Policy
Dividend Per share
Pay Out Ratio (Amt Divd/NP) Better
Pay Out Ratio (DPS/EPS)

Rs
%
%

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

1.4
20.4
20.4

Efficiency Ratios
Optg Cost / Optg Income
Optg Cost / Total Income

%
%

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

63.21
25.82

Optg Costs / Avg Assets (total)


Optg Costs / Avg Int Earning Assets

%
%

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

6.07
6.52

Infratructure
Branches & Extn Counters
Rural
Semi-Urban
Urban
Metropolitan
Extn Counters
Currency Chests
Of which Fully Computerised
% Of which Fully Computerised
Of which Partly Computerised
% Of which Partly Computerised
Partly + Fully Computerised
% of Branches Computerised
Captures business worth x % of total
Geographical Reach (Cities)
Avg No of Branches
Anywhere Banking
Branches
Locations

Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
%
Nos
%
Nos
%
%
Nos
Nos
Nos
Nos

Segmental Branches
Specialised Branches
Specialised Savings Branche
SSI Branches
NRI Branches
Overseas Branches
Hi-Tech Agri Branches
Indl Finance Branches
Asset Recvoery Branches
Capital market Branches
Stock Exchg Branches
Corproate Services Branches
Consumer Finance branches
Housing Finance Branch
Mahila Banking branch

Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos

ATMs
ATMs
No of On site ATMs
No of Off site ATMs
Locations
Online ATMs

Nos
Nos
Nos
Nos
Nos

Point of Sale Terminals


Phone Banking Locations
Remote access facilites at Branches

Nos
Nos
Nos

Proportion of Business
Branches
Non Branches (ATM, Phone, Net, Mobile)
Retail Accounts

%
%
Nos

Full time Employees


Officers
Clerks
Sub-Staff
Avg Employee

Nos

#DIV/0!

Employees / Branch

Nos

Employee Ratios
Salary / Employee
Business / Employee
Net profit / Employee

Rs Mn
Rs Mn
Rs Mn

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

Branch Ratio
Overheads / Branch
Employee / Branch
Business / Branch
Deposist / Branch

Rs Mn
Rs Mn
Rs Mn
Rs Mn

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Outstanding Shares Issues


Total year End Equity
Weighted Avergae Equity used in Year
Expected Equity Dilution incl ESOPs
Fully Diluted Equity

Nos
Nos
Nos
Nos

Investment Portfolio
Gr Investments
Depr In the Value of Investments
Net BV
Investment Fluctuation Reserve
Coverage Ratio
DURATION
Unbooked Gains on Portfolio (AVS/HFT)
Breakup of MTM Portfolio
AFS (MTM)
HFT (MTM)
HTM (At cost)

Rs Mn
Rs Mn
Rs Mn
Rs Mn
%
Years
Rs Mn
%
%
%
%

#DIV/0!

#DIV/0!

139,765.7
-

Lending To Sensitive Sectors


Capital Markets
Real Estate
Commodities

Rs mn
Rs mn
Rs mn

43,799.1

Financing Of Equities & Investments in Shares


Equity Shares
Rs mn
Preference Shares
Rs mn
Equity Linked Units
Rs mn
Advances against Shares (Other Than to Indiv Against
Rs Shares
mn
for Personal Purposes)
Excludes Lending to Indiv against Shares for Non-Stock
Rs mn
Market Related Purposes
(as (%) to Total Advances
Advances Analysis
Priority Sector Credit
Direct Agricultural Credit
Indirect Agricultural Credit
SSI
Others

Rs mn
Rs mn
Rs mn
Rs mn
Rs mn

Exposure to Sick units


Credit to Weaker Sector
Credit to SC/ST Beneficiaries
Export Credit
Total Export & Import Turnover during year
Exports
- Market Share
Imports
- Market Share
Remittances

Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
%
Rs mn
%
Rs mn

Export Credit / Net Bank Credit


No of Kisan Credit Cards
Kisan Credit Cards Outstandings
Bullion Turnover
Forex Turnover

%
Nos
Rs mn
Rs mn
Rs mn

Priority Sector Lending


PSL / Net Advances (Calculated)
%
PSL / Net Advances (Reported)
Priority Sector Exposure / Net Bank Credit (Reported)
%

#DIV/0!

Retail Business
No of Retail Accounts
Retail Assets
Housing Loans assets
Vehicle Loans assets
Credit Cards receivables
Retail Trade
Other Retail Assets
Disbursements in Year
Retail Asset Disbursements
Housing Loans Disbursements
Vehicle Loans Disbursements

'000s
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn

Retail as % of Gross Advances


Retail as % of Net Advances
Retail as % of Reported Customer Assets
Incremtnal Retail as % of Incremental Advances

%
%
%
%

Financing Structure
Leverage (x)
Low Cost Deps / Ext Funds(%)
Advances / Deposit Ratio
Incremental Credit / Deposit
Gorss Advances / Funding Ratio
Incremental Credit / Funding
Effective SLR
Effective CRR

X
%
%
%
%
%
%
%

#DIV/0!
#DIV/0!
#DIV/0!

Advances / Total Assets


Investments / Total Assets
Cash / Total Assets
Others / Total Assets

%
%
%
%

Gross Credit / Deposits


Gross Credit / External Funding
Incremental Credit / Deposits
Incremental Credit / External Funding

%
%
%
%

Avg gr advances / Avg Earning Assets


Avg gr advances / Avg Deposits
Period End gr Loans / Deposit
Owned Funds / Working Funds

%
%
%
%

Margins, Cost & Efficiency Ratios


Int Expensed / Int Earned (%)
Avg Yield on Assets(%)
Avg Cost of Funds(%)
Net Interest Margin(%)
Spread (%)

%
%
%
%
%

Income & Cost Structure

#DIV/0!

31.1

#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

65.84
40.3
45.7
45.7
44.6
44.6
37.6
14.6

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

40.1
39.9
13.2
6.8

#DIV/0!

Oth Inc/Optg Income (%)


Core Income / Other Income (%)
Optg Cost / Average Assets (%)
Core Fee Income / Avg Assets(%)

%
%
%
%

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

27.84
52.98
6.07
1.42

Profitability Ratios
RoAA(%)
RoANW(%)
Core RoAA (%)
Core RoANW (%)

%
%
%
%

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

1.4
49.6
1.2
44.9

Efficiency Ratios
Businee / Employee (Rs Mn)
Net Profit / Employee (Rs Mn)

Rs Mn
Rs Mn

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

Growth Rates
Gr in Deposits (%)
Gr in Net Advances(%)

%
%

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

Asset Quality
Gross NPL Ratio (%)
Net NPL Ratio (%)
Covg Ratio (incl Gen Provn)(%)
Net NPA (as % to NW)

%
%
%
%

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
-

Financing Structure
Leverage (x)
Low Cost Deps / Ext Funds(%)
Advances / Deposit Ratio
Incremental Credit / Deposit
Effective SLR
Effective CRR

X
%
%
%
%
%

#DIV/0!
#DIV/0!
#DIV/0!
#VALUE!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

23.5
40.3
45.7
45.7
37.6
14.6

Per Share Data


EPS (Rs.)
+/- %
Core EPS (Rs)
BV (Rs.)
Adj BV (Rs.)
DPS (Rs)
Divd Payout (%)

Rs
%
Rs
Rs
Rs
Rs
%

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

13.6
#DIV/0!
12.3
27.3
27.3
1.4
20.4

Credit Cards
Total Cards in Circulation
Propreitary Cancards in Circulation
Visa Card
Visa Intl Card
Master Card
Member Establishments
Card Turnover
Volume under Propreitary Cancards
Volume under Cancards Visa Card
Volume under Cancards Visa Intl Card
Volume under Cancards Master Card
Banks tied up for Issuances of Cards

Nos
Nos
Nos
Nos
Nos
Nos
Rs Mn
Rs Mn
Rs Mn
Rs Mn
Rs Mn
Nos

Cash Management Services


Clients
Centres
Volume of Business
Monthly Business by Year End

Nos
Nos
Rs Mn
Rs Mn

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

% Chg

FY 98

% Chg

FY 99

% Chg

FY 00

% Chg

FY 01

% Chg

% Chg

FY 98

% Chg

FY 99

% Chg

FY 00

% Chg

FY 01

% Chg

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

16,541.4
2,122.4
10,663.7
3,755.3
351,735.6
37,717.9
115,648.3
198,369.4
2,648.2
3,899.1
23,234.1

23.3
(39.5)
75.5
(2.2)
14.2
15.3
22.6
9.6
(23.2)
7.6

19,297.5
2,122.4
13,537.5
3,637.7
407,771.3
48,461.5
136,790.5
222,519.3
1,974.9
7,897.7
26,293.4

16.7
26.9
(3.1)
15.9
28.5
18.3
12.2
(25.4)
102.6
13.2

22,725.9
2,122.4
17,051.3
3,552.2
474,832.3
54,370.0
158,754.1
261,708.2
6,624.3
8,497.7
28,605.6

17.8
26.0
(2.3)
16.4
12.2
16.1
17.6
235.4
7.6
8.8

26,692.0
2,122.4
21,102.9
3,466.7
561,311.3
63,113.9
185,300.6
312,896.8
6,732.0
8,898.5
31,417.4

17.5
23.8
(2.4)
18.2
16.1
16.7
19.6
1.6
4.7
9.8

#DIV/0!

398,058.3

13.6

463,234.8

16.4

541,285.7

16.8

635,051.1

17.3

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

54,979.2
159,077.3
160,426.4
5,952.6
17,622.9

19.1
13.8
14.0
1.5
(1.9)

58,394.8
185,731.6
190,473.7
6,171.0
22,463.7

6.2
16.8
18.7
3.7
27.5

62,299.8
220,990.7
225,717.2
6,805.3
25,472.8

6.7
19.0
18.5
10.3
13.4

60,692.1
251,284.2
280,290.5
7,239.2
35,544.8

(2.6)
13.7
24.2
6.4
39.5

#DIV/0!

398,058.3

13.6

463,234.8

16.4

541,285.7

16.8

635,050.8

17.3

TALLY

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
% Chg
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

170,820.8
522,556.3
514,549.1
358,282.8
153,366.1
157,947.2
372,003.6
12,786.2
131,473.1
394,303.1
2,534.5
1,889.8
131,473.1
154,653.0

TALLY
#DIV/0!
21.4
16.5
16.4
13.6
20.7
12.3
13.9
33.4
10.9
13.8
(26.2)
26.4
10.9
14.7
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

FY 98
2,814.1
11,183.8
329,899.9
332,948.2
336,847.3
50,570.3
149,421.5
155,744.8
149,308.0

% Chg
60.5
133.4
114.2
113.8
113.6
119.1
113.8
121.4
112.3

#DIV/0!

201,729.1
609,500.4
599,841.1
417,643.8
185,252.0
174,694.6
418,821.0
15,659.9
151,536.0
459,597.1
4,852.6
2,271.9
151,536.0
178,607.2

TALLY
#DIV/0!
18.1
16.6
16.6
16.6
20.8
10.6
12.6
22.5
15.3
16.6
91.5
20.2
15.3
15.5
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

FY 99
2,122.4
14,223.0
379,753.4
382,064.9
387,963.3
56,687.0
172,404.5
186,274.9
166,320.9

% Chg
(24.6)
27.2
15.1
14.8
15.2
12.1
15.4
19.6
11.4

#DIV/0!

237,815.4
712,647.6
701,351.2
489,954.3
213,124.1
208,020.6
491,311.1
19,173.7
187,136.8
537,733.6
4,716.8
2,542.5
187,136.8
213,731.4

TALLY
#DIV/0!
17.9
16.9
16.9
17.3
15.0
19.1
17.3
22.4
23.5
17.0
(2.8)
11.9
23.5
19.7
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

FY 00
2,122.4
17,416.8
441,301.8
445,601.4
453,799.1
60,347.3
203,361.2
219,772.3
191,357.6

% Chg
22.5
16.2
16.6
17.0
6.5
18.0
18.0
15.1

#DIV/0!

296,180.4
857,491.7
843,590.6
576,941.7
248,414.5
263,246.1
575,222.4
23,225.3
209,379.7
631,584.4
5,042.5
2,130.9
209,379.7
244,110.8

#DIV/0!
24.5
20.3
20.3
17.8
16.6
26.5
17.1
21.1
11.9
17.5
6.9
(16.2)
11.9
14.2
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

FY 01
2,122.4
21,199.5
518,071.8
524,749.9
533,448.0
61,495.9
236,137.5
266,997.9
235,633.3

% Chg
21.7
17.4
17.8
17.6
1.9
16.1
21.5
23.1

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

374,245.1
349,299.8
485,644.7
478,290.9
3,048.4
3,899.1
149,421.5
144,745.7
4,675.9
2,983.3
150,547.7
12,873.6
7,676.4
-

113.6
113.9
116.5
116.4
76.8
100.0
113.8
114.7
89.8
73.8
114.0
#DIV/0!
#DIV/0!
#DIV/0!

430,646.6
395,412.3
566,028.4
557,195.1
2,311.5
5,898.4
172,404.5
166,630.1
5,774.3
3,693.5
175,450.0
27,034.5
16,209.6
654.8

15.1
13.2
16.6
16.5
(24.2)
51.3
15.4
15.1
23.5
23.8
16.5
110.0
111.2
#DIV/0!

502,260.3
455,066.1
661,074.0
650,596.1
4,299.6
8,197.7
203,361.2
196,169.3
7,191.9
4,784.7
208,095.4
29,794.8
18,118.0
1,327.5

% Chg
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

FY 98
39,922.4
26,990.8
12,931.7
6,365.8
2,802.3
3,563.5
19,297.5
46,288.2
8,714.4
2,571.9
8,011.2
475.6
2,762.0
36.7
4,773.6
4,773.6

% Chg
9.3
10.7
6.4
35.8
12.8
61.7
14.6
12.3
7.5
1.5
29.3
(81.6)
124.8

FY 99
44,479.6
27,953.6
16,526.0
5,446.9
3,283.2
2,163.7
21,972.9
49,926.5
10,689.3
3,070.9
8,212.7
2,902.8
1,588.7
29.9
3,721.2
3,721.2

% Chg
11.4
3.6
27.8
(14.4)
17.2
(39.3)
13.9
7.9
22.7
19.4
2.5
510.3
(42.5)

FY 00
51,545.5
35,382.0
16,163.5
7,276.6
3,817.1
3,459.4
23,440.1
58,822.1
11,836.7
3,401.8
8,201.6
2,880.2
1,240.0
23.3
4,081.4
4,081.4

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

100.8
#DIV/0!
100.8
100.8
100.8
581.4

#DIV/0!

4,773.5
4,773.6
2,379.9
35.0
3,226.7

#DIV/0!
#DIV/0!

475.6
1,546.9

% Chg

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

FY 98
#DIV/0!
25,747.2

25,747.2
#DIV/0!
15.1
#DIV/0!
10,394.4

(22.0)
#DIV/0!
(22.0)
(22.0)
(22.0)
(66.7)

50.1

3,721.2
3,721.2
792.1
35.0
3,206.3

(81.6)
581.4

2,902.8
514.9

% Chg

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

FY 99
#DIV/0!
28,321.9

2,574.7
10.0
14.0
#DIV/0!
11,255.5

16.6
15.1
16.8
16.8
86.0
39.0
18.0
17.7
24.5
29.5
18.6
10.2
11.8
102.7

% Chg
15.9
26.6
(2.2)
33.6
16.3
59.9
6.7
17.8
10.7
10.8
(0.1)
(0.8)
(21.9)
9.7
#DIV/0!
9.7
9.7
9.7
172.2

(0.6)

4,081.4
4,081.4
2,155.9
38.5
2,755.5

510.3
(66.7)

2,880.2
1,325.9

588,168.3
533,266.7
785,069.7
772,470.9
6,678.1
8,698.1
236,137.5
228,921.1
7,216.4
4,879.7
253,003.9
32,934.4
18,940.3
1,345.4

FY 01
58,634.8
38,250.5
20,384.3
7,784.2
4,193.5
3,590.8
28,168.5
66,419.0
12,326.4
4,125.6
11,716.5
3,707.4
1,108.3
13.8
6,900.8
(2,264.4)
4,636.4

102.1

(0.8)
157.5

3,707.4
1,332.4

28.7
0.5

% Chg

FY 01

10.0
#DIV/0!
#DIV/0!

66.1
31,267.7
28,321.9
8,681.9

10.4
#DIV/0!
#DIV/0!

61.4
34,601.0
31,267.7
8,645.6

8.3
#DIV/0!
#DIV/0!

2,945.8
10.4
13.1
12,098.2

69.1
#DIV/0!
13.6

(14.1)

FY 00

5,736.1
5,736.1

% Chg
13.8
8.1
26.1
7.0
9.9
3.8
20.2
12.9
4.1
21.3
42.9
28.7
(10.6)

4,636.4
6,900.8
2,166.5
38.5
5,568.4

% Chg

#DIV/0!
#DIV/0!
#DIV/0!
(90.0)

17.1
17.2
18.8
18.7
55.3
6.1
16.1
16.7
0.3
2.0
21.6
10.5
4.5
1.4

#DIV/0!
#DIV/0!
#DIV/0!
14.4

7.5
#DIV/0!
#DIV/0!

2.9
5,312.3
5,312.3
3,333.3
10.7
11.7
11,911.7
12,098.2

13.6
69.1
0.5

% Chg

10.7
10.4
(0.4)

(7.4)
(7.4)
#DIV/0!
13.2

(1.5)
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
-

10,394.4
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

15,352.8
15,352.8
#DIV/0!
#DIV/0!
9.6

10,394.4
10,394.4

#DIV/0!
#DIV/0!

40.4
40.4
15,352.8
15,352.8
9.6
85.4

#DIV/0!

#DIV/0!
#DIV/0!

17,066.4
1,713.6
11.2
0.0
9.0

11,255.5
11,255.5

#DIV/0!
#DIV/0!

39.7
39.7
17,066.4
17,066.4
9.0
8.3

7.7
8.0
11.4
3.4

67.6

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

(7.5)
(7.5)
(10.9)
(3.5)

842.7
7.5

11.2
(88.8)

19,169.5
2,103.1
12.3
0.0
8.5

12,098.2
515.0
515.0
12,613.2

11.2
11.2

38.7
40.3
19,169.5
18,654.5
8.3
8.2

7.0
7.2
11.2
4.0

62.8

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

(0.7)
(0.8)
(0.2)
0.6

12.3
22.7

(186.5)
(1.5)
3,978.2
18,711.1
(458.4)
(2.4)
(0.0)
6.7

7.5
#DIV/0!
#DIV/0!
#DIV/0!
12.1

15,889.9
662.0
662.0
16,551.9

12.3
9.3

45.9
47.8
18,711.1
18,049.1
6.4
5.7

10.4

7.6
7.8
11.3
3.5

68.6

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

0.6
0.6
0.1
(0.5)

#DIV/0!
#DIV/0!
#DIV/0!
(122.1)

#DIV/0!
(2.4)
(121.8)

31.3
28.5
#DIV/0!
28.5
31.2

(2.4)
(3.2)

#DIV/0!
34,601.0
11.7

#DIV/0!
#DIV/0!
#DIV/0!
(31,267.7)

65.0

#DIV/0!

#DIV/0!
31,267.7
13.1

#DIV/0!
#DIV/0!
#DIV/0!
(28,321.9)

#DIV/0!
#DIV/0!
#DIV/0!
(2.1)

3,258.0

#DIV/0!

8.3
#DIV/0!
#DIV/0!
#DIV/0!
8.3

10.0

#DIV/0!

#DIV/0!

#DIV/0!
28,321.9
14.0

#DIV/0!
#DIV/0!
#DIV/0!
(25,747.2)

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
(91.7)

1,974.6

#DIV/0!

#DIV/0!
25,747.2
15.1

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

861.1
8.3

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

10.7

#DIV/0!
#DIV/0!
#DIV/0!
(34,601.0)

7.0
7.2
11.0
3.8

65.2

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

(0.7)
(0.6)
(0.3)
0.3

11.4
12.2
13.1
8.0
3.7
3.4

11.2
11.5
13.1
7.2
4.2
4.0

11.3
11.9
13.1
7.8
3.6
3.5

11.0
11.6
12.0
7.2
3.8
3.8

50.7
0.7
0.9

58.9
0.6
0.7

37.9
0.4
0.5

71.5
0.7
0.9

18.5
32.4
20.0

9.8
13.8
366.4

14.8
32.5
133.6

12.7
19.3
171.1

90.3
19,173.7
4.2
0.0
7,384.4
34.8
-

109.4
23,225.3
4,514.2
21.3
11,718.0
55.2
-

60.2
12,786.2
(2,566.6)
(12.1)
2,806.8
13.2
-

73.8
15,659.9
(1,406.6)
(6.6)
4,566.7
21.5
-

42.7
1.3
17.0
28.9
0.9
11.5

26.2
0.9
17.5
22.5
0.7
15.1

23.4
0.8
19.2
15.8
0.5
13.0

32.6
1.2
32.5
26.3
0.9
26.2

17.0
22.5

17.5
17.5

19.2
19.2

32.5
32.5

10.3
10.3
-

10.2
6.8
3.4

2.0
8.9
8.9

2.0
11.4
11.4

2.4
13.9
12.3

2.5
8.5
7.7

58.49
24.38

62.62
27.56

65.01
25.91

58.41
24.77

3.02
3.23

3.20
3.48

3.03
3.35

2.80
3.09

4,236.0

4,281.0

#DIV/0!

#DIV/0!

#DIV/0!

4,236.0

4,258.5

64,733.0

58,309.0

64,733.0

61,521.0

#DIV/0!

15.3

13.6

#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!

0.18
11.01
0.06

0.20
13.94
0.11

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

159,077.3
-

185,731.6
1,309.5
0.7

0.80
15.28
168.24
112.09

0.97
13.62
200.30
131.12

220,990.7
1,345.4
0.6

251,284.2
1,345.4
0.5

52,753.5

65,950.5

83,232.3

108,567.4

65,950.5

83,232.3

108,567.4

32.9

34.6

36.9

38.7

32.04
42.8
45.6
45.2
47.7
70.3
36.7
15.3

29.36
44.4
46.7
53.6
48.3
52.1
36.3
14.0

28.13
43.5
47.5
52.6
48.5
49.9
38.2
12.7

27.21
43.1
49.9
63.1
51.3
67.1
36.3
10.5

40.3
40.0
13.8
5.9

41.1
40.1
12.6
6.2

41.7
40.8
11.5
6.0

44.1
39.6
9.6
6.7

32.99
44.02
3.02
0.75

24.79
60.28
3.20
0.76

31.04
52.46
3.03
0.76

27.63
53.87
2.80
0.71

1.3
42.7
0.9
28.9

0.9
26.2
0.7
22.5

0.8
23.4
0.5
15.8

1.2
32.6
0.9
26.3

11.0
0.1

13.9
0.1

#DIV/0!
#DIV/0!

#DIV/0!
#DIV/0!

14.2
14.0

15.9
18.7

16.4
18.5

18.2
24.2

15.1
9.6
40.4
120.1

14.0
9.0
39.7
109.0

13.1
8.5
40.3
100.0

11.7
6.7
47.8
80.6

21.7
42.8
45.6
45.2
36.7
15.3

21.6
44.4
46.7
53.6
36.3
14.0

21.6
43.5
47.5
52.6
38.2
12.7

21.6
43.1
49.9
63.1
36.3
10.5

17.0
25.1
11.5
60.2
13.2
2.0
8.9

17.5
3.4
15.1
73.8
21.5
2.0
11.4

19.2
9.7
13.0
90.3
34.8
2.4
12.3

32.5
69.1
26.2
109.4
55.2
2.5
7.7

FY 02

% Chg

FY 03

% Chg

FY 04

% Chg

FY 05

% Chg

FY 06

FY 02

% Chg

FY 03

% Chg

FY 04

% Chg

FY 05

% Chg

FY 06

32,161.9
2,122.4
26,658.2
3,381.3
641,234.8
67,584.1
216,642.1
357,008.6
4,085.7
11,798.6
39,865.6

20.5
26.3
(2.5)
14.2
7.1
16.9
14.1
(39.3)
32.6
26.9

40,329.9
2,653.0
34,381.1
3,295.8
758,135.0
98,882.9
256,479.0
402,773.2
6,621.6
15,928.6
41,202.9

25.4
25.0
29.0
(2.5)
18.2
46.3
18.4
12.8
62.1
35.0
3.4

729,146.6

14.8

862,218.0

18.3

63,983.3
282,071.7
343,694.2
7,584.7
31,812.8

5.4
12.3
22.6
4.8
(10.5)

80,771.9
340,300.5
402,281.2
8,847.0
30,017.5

26.2
20.6
17.0
16.6
(5.6)

729,146.6

14.8

862,218.0

18.3

TALLY

366,992.7
1,008,227.4
993,953.3
657,119.1
284,226.1
328,992.9
675,047.9
28,780.6
217,636.8
725,765.4
8,385.2
2,119.8
217,636.8
271,566.8

TALLY
#DIV/0!
23.9
17.6
17.8
13.9
14.4
25.0
17.4
23.9
3.9
14.9
66.3
(0.5)
3.9
11.2
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

FY 02
2,122.4
26,003.0
601,273.0
606,681.9
617,030.4
62,337.7
266,678.0
331,586.5
296,119.5

% Chg
22.7
16.1
15.6
15.7
1.4
12.9
24.2
25.7

#DIV/0!

436,812.7
1,194,947.7
1,188,439.7
780,685.3
355,361.8
391,213.1
812,285.5
37,034.1
277,466.9
858,922.2
5,957.8
2,197.7
277,466.9
332,144.9

24.3
28.7
(2.6)
16.0
0.1
18.6
18.2
94.7
48.0
39.7

81,613.0
3,153.0
75,335.0
3,124.9
1,031,668.9
124,665.7
353,411.3
553,591.9
27,182.9
23,428.6
98,519.4

62.8
18.8
70.2
(2.7)
17.3
25.9
16.2
16.3
110.9
(0.6)
71.1

93,763.6
3,153.0
87,586.8
3,023.8
1,196,849.2
167,237.7
419,082.1
610,529.3
66,871.8
19,350.0
75,839.3

1,023,317.4

18.7

1,262,412.8

23.4

1,452,673.9

88,205.1
421,254.9
472,247.2
8,998.4
32,611.8

9.2
23.8
17.4
1.7
8.6

110,890.3
506,728.3
604,127.5
9,652.3
31,014.4

1,023,317.4

18.7

1,262,412.8

TALLY
#DIV/0!
19.0
18.5
19.6
18.8
25.0
18.9
20.3
28.7
27.5
18.3
(28.9)
3.7
27.5
22.3
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

FY 03
2,387.7
32,907.4
699,684.9
705,038.6
718,902.2
72,377.6
311,186.1
401,902.7
360,103.0

% Chg
12.5
26.6
16.4
16.2
16.5
16.1
16.7
21.2
21.6

#DIV/0!

50,118.1
2,653.0
44,254.7
3,210.4
879,164.0
99,003.9
304,226.1
475,934.0
12,890.6
23,578.6
57,566.2

514,458.9
1,393,622.9
1,385,012.8
915,633.2
403,229.9
466,207.9
975,668.0
46,907.7
354,120.0
1,020,107.0
7,319.0
2,059.5
354,120.0
411,876.4

23.4

TALLY
#DIV/0!
17.8
16.6
16.5
17.3
13.5
19.2
20.1
26.7
27.6
18.8
22.8
(6.3)
27.6
24.0
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

FY 04
2,653.0
41,970.9
818,649.5
828,405.6
848,159.2
84,488.5
380,777.7
475,635.8
428,710.5

% Chg
11.1
27.5
17.0
17.5
18.0
16.7
22.4
18.3
19.1

#DIV/0!

25.7
20.3
27.9
7.3
(4.9)

640,346.5
1,672,015.4
1,651,146.4
1,082,280.4
478,076.9
598,289.2
1,215,907.7
78,488.1
434,056.9
1,259,287.9
9,001.5
3,150.4
434,056.9
494,576.4

1,452,673.9
TALLY

#DIV/0!
24.5
20.0
19.2
18.2
18.6
28.3
24.6
67.3
22.6
23.4
23.0
53.0
22.6
20.1
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

FY 05
2,903.0
62,697.9
955,416.4
975,453.2
998,956.8
99,547.7
463,991.6
577,402.7
532,248.6

% Chg
9.4
49.4
16.7
17.8
17.8
17.8
21.9
21.4
24.2

#DIV/0!

247,916.9
410,553.1
746,273.7
10,302.3
37,627.9

775,554.9
1,972,404.1
1,950,196.7
1,283,071.0
586,319.9
741,156.8
1,399,626.8
90,739.8
346,409.9
1,449,650.0
8,967.1
5,344.6
346,409.9
396,241.4

#DIV/0!
#DIV/0!
FY 06
3,153.0
84,613.9
1,114,259.0
1,161,286.4
1,182,675.7
179,403.6
458,640.7
707,950.7
669,723.0

682,098.7
625,135.1
932,859.6
918,771.9
5,408.8
10,348.6
266,678.0
257,838.8
8,839.2
6,713.9
311,992.3
37,999.8
18,405.6
2,223.4

FY 02
66,478.7
43,525.8
22,952.9
9,777.2
4,339.9
5,437.2
32,730.1
76,255.9
12,012.9
4,828.9
15,888.3
7,123.7
1,990.4
22.7
6,774.2
(1,150.3)
5,623.9
5,623.9
6,774.2
3,801.0
36.8
4,370.1
7,123.7
2,404.1
FY 02
42.4
41,398.6
34,601.0
11,796.6
3.21
4,999.0
4,999.0
6,797.6
19.6
11.3
(5.7)
18,992.7
11,911.7
2,400.0

16.0
17.2
18.8
18.9
(19.0)
19.0
12.9
12.6
22.5
37.6
23.3
15.4
(2.8)
65.3

% Chg
13.4
13.8
12.6
25.6
3.5
51.4
16.2
14.8
(2.5)
17.0
35.6
92.1
79.6
(1.8)
(49.2)
21.3
21.3
(1.8)
75.4

795,682.3
743,666.7
1,101,587.5
1,091,196.5
5,353.7
13,863.6
311,186.1
301,855.9
9,330.2
7,171.5
372,987.7
45,599.6
16,684.6
4,051.3

FY 03
74,850.1
43,612.9
31,237.1
12,503.1
4,800.1
7,703.0
43,740.3
87,353.2
13,610.8
5,806.5
24,322.9
11,337.0
3,413.9
26.3
9,572.0
(1,150.0)
8,422.0

16.7
19.0
18.1
18.8
(1.0)
34.0
16.7
17.1
5.6
6.8
19.6
20.0
(9.4)
82.2

% Chg
12.6
0.2
36.1
27.9
10.6
41.7
33.6
14.6
13.3
20.2
53.1
59.1
71.5
41.3
(0.0)
49.8
49.8
41.3
58.5

(21.5)

8,422.0
9,572.0
6,026.1
35.9
5,707.8

92.1
80.4

11,337.0
3,864.2

% Chg

19.6
10.7
36.4

(5.9)
(5.9)
#DIV/0!
103.9

59.4
(1.5)
#DIV/0!

FY 03
68.6
49,800.6
41,398.6
10,296.3
5,167.8
3.5
7,062.1
7,062.1
8,402.0
20.3
11.4
20.1
28,353.3
18,992.7
7,930.0

942,767.7
893,976.7
1,294,285.3
1,286,726.3
9,756.1
19,753.6
380,777.7
372,010.7
8,767.0
6,638.4
437,264.2
48,251.0
9,879.3
7,325.5

FY 04
77,797.0
41,549.9
36,247.0
18,668.8
5,519.0
13,149.8
54,915.8
96,465.7
15,389.8
7,166.6
32,359.4
13,513.8
6,607.9
35.1
12,237.7
(1,150.8)
11,086.9

30.6

11,086.9
12,237.7
11,188.1
35.9
5,063.3

59.1
60.7

13,513.8
7,174.4

% Chg

20.3
19.6
(12.7)

41.3
41.3
#DIV/0!
23.6

49.3
59.4
230.4

FY 04
129.7
46,701.3
49,800.6
10,444.5
2.0
13,543.8
13,543.8
(3,099.3)
(6.2)
9.1
43.2
36,521.7
28,353.3
3,600.0

18.5
20.2
17.5
17.9
82.2
42.5
22.4
23.2
(6.0)
(7.4)
17.2
5.8
(40.8)
80.8

% Chg
3.9
(4.7)
16.0
49.3
15.0
70.7
25.5
10.4
13.1
23.4
33.0
19.2
93.6
27.8
0.1
31.6
31.6
27.8
85.7

1,142,865.1
1,095,787.8
1,532,819.1
1,518,079.6
20,036.7
23,503.6
463,991.6
453,226.4
10,765.2
8,160.2
538,187.4
42,057.4
2,842.0
10,068.8

FY 05
84,598.5
44,531.1
40,067.4
16,756.8
6,912.9
9,843.9
56,824.2
101,355.3
23,079.0
8,539.8
25,205.4
4,988.5
4,954.9
24.5
15,262.0
(1,160.8)
14,101.2

21.2
22.6
18.4
18.0
105.4
19.0
21.9
21.8
22.8
22.9
23.1
(12.8)
(71.2)
37.4

1,357,543.3
1,307,767.2
1,822,209.7
1,800,671.5
47,027.3
21,389.3
458,640.7
445,408.9
13,231.8
8,984.3
675,200.6
34,398.2
1,648.1
9,511.7

% Chg
8.7
7.2
10.5
(10.2)
25.3
(25.1)
3.5
5.1
50.0
19.2
(22.1)
(63.1)
(25.0)

FY 06
95,841.5
49,173.9
46,667.7
12,735.0
7,526.3
5,208.7
59,402.7
108,576.5
21,149.7
9,081.8
29,171.1
8,822.9
5,955.2
29.3
14,393.0
14,393.0

24.7
0.9
27.2

(11.3)

14,101.2
15,262.0
3,533.9
35.9
12,995.9

156.7

14,393.1
14,393.0
2,135.9
35.9
13,023.4

19.2
85.7

4,988.5
2,266.1

(63.1)
(68.4)

8,822.9
1,369.6

% Chg

(6.2)
20.3
1.4

91.8
91.8
#DIV/0!
(136.9)

28.8
49.3
(54.6)

FY 05
229.2
37,413.4
46,701.3
7,186.4

27.2
24.7
(68.4)

% Chg

(19.9)
(6.2)
(31.2)

1.12
16,474.3

21.6
(100.0)
16,474.3 #DIV/0!
(9,287.9)
199.7
(19.9)
5.8
68.2
31,485.8
36,521.7

(13.8)
28.8
(100.0)

FY 06
166.8
31,382.9
37,413.4
9,028.2
1.16
15,058.7
15,058.7
(6,030.5)
(16.1)
4.0
88.8
25,360.0
31,485.8

6,795.6
(285.4)
576.1
290.7
7,081.0
59.4

108.6
#DIV/0!
#DIV/0!
#DIV/0!
(3,896.8)

9,419.0
1,359.4
1,417.8

9,360.6
49.3

38.6
(596.8)
(100.0)
(100.0)
32.2

14,016.5
5,848.1

8,168.4
28.8

4,305.8

8.2

6,178.2

43.5

5,690.0

18,100.1
(611.0)
(3.3)
(0.0)
5.3

(3.3)
33.3

15,269.1
(2,831.0)
(15.6)
(0.0)
3.8

(15.6)
363.3

4,489.6
(10,779.5)
(70.6)
(0.0)
1.0

#DIV/0!
23,298.5
812.0
812.0
24,110.5
56.3
58.2
18,100.1
17,288.1
5.0
9.6

46.6
22.7
#DIV/0!
22.7
45.7

(3.3)
(4.2)

#DIV/0!
34,531.5
952.0
952.0
35,483.5
69.3
71.3
15,269.1
14,317.1
3.6
12.0

#DIV/0!
41,398.6
11.3

19.6

6.9
7.1
10.6
3.6

65.5

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

(0.1)
(0.1)
(0.4)
(0.2)

(15.6)
(17.2)

20.3

42,211.7
1,417.0
1,417.0
43,628.7
90.4
93.4
4,489.6
3,072.6
0.7
(4.0)

5.9
6.1
10.1
4.0

58.3

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

(0.9)
(1.0)
(0.6)
0.4

(7.9)
(70.6)
280.8

(55.7)

7,246.7

92.2
#DIV/0!
#DIV/0!
(5,035.9)
(161.7)
(13.8)

13,372.5

22.2
48.8
#DIV/0!
48.8
23.0

(70.6)
(78.5)

(6.2)

(16.8)

3,921.2

1,194.4
(3,295.2)
(73.4)
(0.0)
0.2

(73.4)
(69.4)

2,101.7
907.3
76.0
0.0
0.3

#DIV/0!
36,219.0
2,557.5
2,557.5
38,776.5
96.8
103.6
1,194.4
(1,363.1)
(0.2)
(7.4)

4.8
4.9
8.7
3.8

53.4

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

(1.2)
(1.2)
(1.4)
(0.2)

(14.2)
80.5
#DIV/0!
80.5
(11.1)

(73.4)
(144.4)

29,281.2
2,830.0
2,830.0
32,111.2
93.3
102.3
2,101.7
(728.3)
(0.1)
(4.5)

#DIV/0!
37,413.4
5.8

#DIV/0!
#DIV/0!
#DIV/0!
(46,701.3)

(6,125.8)
(19.5)

4,733.2

#DIV/0!
46,701.3
9.1

#DIV/0!
#DIV/0!
#DIV/0!
(49,800.6)

312.5
#DIV/0!
#DIV/0!
(12.7)

6,204.9
11,240.8

#DIV/0!

#DIV/0!
49,800.6
11.4

#DIV/0!
#DIV/0!
#DIV/0!
(41,398.6)

48.2
17.2
#DIV/0!
17.2
47.2

48.8

(19.9)

31,382.9
4.0

#DIV/0!
#DIV/0!
#DIV/0!
(37,413.4)

4.4
4.5
7.7
3.3

52.6

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

(0.4)
(0.4)
(1.0)
(0.5)

(31,382.9)

4.1
4.2
7.3
3.2

51.3

10.6
11.3
11.2
7.1
3.7
3.6

10.1
10.6
10.3
6.1
4.2
4.0

8.7
9.7
9.0
4.9
4.1
3.8

7.7
8.6
8.0
4.5
3.7
3.3

7.3
8.8
8.0
4.2
3.6
3.2

44.7
0.5
0.6

45.7
0.5
0.7

27.1
0.4
0.5

77.6
0.8
1.1

102.3
0.7
1.0

16.6
35.5
187.4

17.6
40.4
188.1

23.9
58.6
120.8

17.3
14.8
141.2

8.8
9.5
413.1

135.6
28,780.6
10,680.5
50.3
17,332.3
81.7
-

139.6
37,034.1
21,765.0
82.0
27,242.8
102.7
-

176.8
46,907.7
42,418.1
159.9
44,028.7
166.0
-

248.9
78,488.1
77,293.7
245.1
77,722.2
246.5
-

287.8
90,739.8
88,638.1
281.1
89,392.1
283.5
-

26.1
1.0
31.9
16.8
0.6
20.6

29.1
1.2
40.1
17.3
0.7
23.9

29.2
1.3
46.1
12.1
0.5
19.1

24.3
1.3
52.6
20.7
1.1
44.8

17.0
1.1
45.6
15.4
1.0
41.3

31.9
31.9

40.1
36.1

46.1
46.1

52.6
48.4

45.6
45.6

90,740
19,350
110,090
921,253
63.4
10.7
6.3
4.4

12.0
7.1
4.9

13.1
7.0
6.1

14.8
8.9
5.9

12.0
10.1
1.9

3.0
9.4
9.4

3.5
10.9
9.7

4.0
9.8
8.7

5.5
13.0
11.4

6.0
15.0
13.1

51.46
22.09

44.4
22.2

41.1
23.4

55.64
31.20

50.89
27.84

2.47
2.69

2.4
2.6

2.4
2.5

2.77
2.89

4,268.0

4,473.0

4,474.0

4,497.0

2.23
2.31

23.0

4,510.0

4,274.5

4,370.5

4,473.5

4,485.5

4,503.5

690.0

57,859.0

58,981.0

58,839.0

58,084.0

58,420.0

58,910.0

58,329.0
17,645.0
29,696.0
10,988.0
58,584.0

(510.0)

58,047.0
18,477.0
28,688.0
10,882.0
58,188.0

13.6

13.2

13.2

13.0

12.9

0.21
17.36
0.12

0.23
20.45
0.16

0.26
23.66
0.21

0.39
28.54
0.26

0.36
33.90
0.25

1.13
13.56
236.23
150.24

1.3
13.2
267.1
169.5

1.6
13.2
311.5
196.5

1.90
12.97
371.81
229.41

2.02
12.87
437.34
265.38

282,071.7
3,101.3
1.1

340,300.5
5,001.3
1.5

421,254.9
9,649.7
2.3

506,728.3
19,023.4
3.8

410,553.1
-

10,931.8
176,113.5

134,412.8

160,336.3

207,345.2

282,684.5

340,934.3

134,412.8

160,336.3

207,345.2

282,684.5

340,934.3

39.1

39.9

43.9

46.8

45.7

25.27
43.3
53.6
79.3
55.8
88.3
33.1
9.7

23.7
45.5
53.1
50.1
56.0
56.5
35.5
10.3

21.8
44.0
53.7
57.8
56.2
57.5
38.7
9.6

17.26
44.2
58.6
86.5
59.2
75.5
40.1
10.2

15.16
45.7
62.4
86.1
60.4
67.3
27.0
19.3

47.1
38.7
8.8
5.4

46.7
39.5
9.4
4.5

46.1
41.2
8.6
4.1

47.9
40.1
8.8
3.2

51.4
28.3
17.1
3.3

29.87
44.39
2.47
0.64

28.6
38.4
2.4
0.6

34.0
29.6
2.4
0.6

29.49
41.25
2.77
0.60

21.44
59.10
2.23
0.55

1.0
26.1
0.6
16.8

1.2
29.1
0.7
17.3

1.3
29.2
0.5
12.1

1.3
24.3
1.1
20.7

1.1
17.0
1.0
15.4

17.4
0.1

20.5
0.2

23.7
0.2

28.5
0.3

33.9
0.2

14.2
22.6

18.2
17.0

16.0
17.4

17.3
27.9

16.0
23.5

11.3
5.3
58.2
62.9

11.4
3.8
71.3
41.2

9.1
1.0
93.4
9.6

5.8
0.2
103.6
1.5

4.0
0.3
102.3
2.3

20.4
43.3
53.6
79.3
33.1
9.7

19.4
45.5
53.1
50.1
35.5
10.3

18.3
44.0
53.7
57.8
38.7
9.6

13.3
44.2
58.6
86.5
40.1
10.2

13.7
45.7
62.4
86.1
27.0
19.3

31.9
(1.8)
20.6
135.6
81.7
3.0
9.4

40.1
25.6
23.9
139.6
102.7
3.5
9.7

46.1
15.1
19.1
176.8
166.0
4.0
8.7

52.6
14.0
44.8
248.9
246.5
5.5
11.4

45.6
(13.2)
41.3
287.8
283.5
6.0
13.1

% Chg

FY 07

% Chg

FY 08

% Chg

FY 09

% Chg

FY 10

% Chg

% Chg

FY 07

% Chg

FY 08

% Chg

FY 09

% Chg

FY 10

% Chg

14.9
16.3
(3.2)
16.0
34.1
18.6
10.3
146.0
(17.4)
(23.0)

104,354.6
3,153.0
98,263.1
2,938.5
1,398,596.7
164,657.1
480,886.2
753,053.5
19,488.6
36,948.0
64,837.1

11.3
12.2
(2.8)
16.9
(1.5)
14.7
23.3
(70.9)
90.9
(14.5)

123,183.5
3,153.0
104,673.5
15,357.0
1,664,572.3
177,911.6
537,697.1
948,963.6
54,465.6
61,648.0
86,334.3

18.0
6.5
422.6
19.0
8.0
11.8
26.0
179.5
66.9
33.2

146,536.3
3,153.0
128,245.9
15,137.4
2,097,605.0
188,139.0
626,460.1
1,283,005.8
43,743.6
80,853.0
100,448.3

19.0
22.5
(1.4)
26.0
5.7
16.5
35.2
(19.7)
31.2
16.3

177,229.2
3,153.0
159,156.3
14,919.9
2,493,298.0
237,171.9
781,328.1
1,474,798.1
85,720.7
106,903.0
103,176.9

20.9
24.1
(1.4)
18.9
26.1
24.7
14.9
96.0
32.2
2.7

15.1

1,624,225.0

11.8

1,990,203.6

22.5

2,469,186.2

24.1

2,966,327.8

20.1

(36.9)
10.1
29.4
(2.0)
5.8

188,307.2
539,917.1
1,195,015.7
23,155.2
43,808.4

20.4
19.5
23.7
129.3
10.0

214,131.4
633,851.8
1,547,029.9
23,971.1
50,202.0

13.7
17.4
29.5
3.5
14.6

234,735.6
777,244.7
1,866,012.1
25,134.7
63,200.7

9.6
22.6
20.6
4.9
25.9

11.8

1,990,203.6

22.5

2,469,186.2

24.1

2,966,327.8

20.1

123.6
(19.0)
23.5
6.7
21.3
15.1

156,455.2
451,898.4
965,965.2
10,098.3
39,808.0
1,624,225.0
TALLY

#DIV/0!
21.1
18.0
18.1
18.6
22.6
23.9
15.1
15.6
(20.2)
15.1
(0.4)
69.6
(20.2)
(19.9)
#DIV/0!
#DIV/0!

992,616.2
2,391,212.9
2,369,801.8
1,455,033.3
645,543.2
959,971.1
1,568,324.7
101,416.1
376,206.9
1,621,286.5
27,254.3
5,350.6
376,206.9
419,293.5

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
% Chg
8.6
35.0
16.6
19.1
18.4
80.2
(1.2)
22.6
25.8

#DIV/0!
#DIV/0!
FY 07
3,153.0
96,078.0
1,297,722.9
1,340,903.1
1,369,052.1
202,186.1
431,225.7
884,085.5
850,563.9

TALLY
#DIV/0!
28.0
21.2
21.5
13.4
10.1
29.5
12.1
11.8
8.6
11.8
203.9
0.1
8.6
5.8
#DIV/0!
#DIV/0!

1,220,670.9
2,885,243.1
2,852,229.8
1,780,685.9
715,608.6
1,187,120.8
1,915,345.1
107,826.5
450,178.3
1,974,846.7
42,122.9
5,350.6
450,178.3
492,443.6

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
% Chg
13.5
16.5
15.5
15.8
12.7
(6.0)
24.9
27.0

#DIV/0!
#DIV/0!
FY 08
3,153.0
104,621.3
1,531,584.5
1,568,561.6
1,617,859.6
172,381.2
495,907.7
1,106,643.5
1,073,545.9

TALLY
#DIV/0!
23.0
20.7
20.4
22.4
10.9
23.7
22.1
6.3
19.7
21.8
54.6
19.7
17.4
#DIV/0!
#DIV/0!

1,569,183.9
3,666,788.9
3,609,820.4
2,222,201.6
814,599.1
1,540,052.8
2,388,036.1
131,398.9
551,982.5
2,454,048.8
25,624.0
5,394.9
551,982.5
602,832.9

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
% Chg
8.9
18.0
17.0
18.2
(14.7)
15.0
25.2
26.2

#DIV/0!
#DIV/0!
FY 09
3,153.0
119,612.7
1,881,088.6
1,930,193.2
2,001,443.7
201,219.3
586,884.4
1,394,927.4
1,363,586.8

TALLY
#DIV/0!
28.6
27.1
26.6
24.8
13.8
29.7
24.7
21.9
22.6
24.3
(39.2)
0.8
22.6
22.4
#DIV/0!
#DIV/0!

1,888,339.4
4,381,637.4
4,338,164.8
2,685,921.7
1,018,500.0
1,859,732.7
2,871,713.1
162,309.3
664,626.1
2,951,407.9
17,428.9
4,856.4
664,626.1
754,959.4

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
% Chg
14.3
22.8
23.1
23.7
16.7
18.3
26.1
27.0

#DIV/0!
#DIV/0!
FY 10
3,153.0
146,854.1
2,295,451.5
2,360,183.6
2,454,061.6
224,433.5
705,548.2
1,728,761.6
1,699,892.8

#DIV/0!
20.3
19.5
20.2
20.9
25.0
20.8
20.3
23.5
20.4
20.3
(32.0)
(10.0)
20.4
25.2
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
% Chg
22.8
22.0
22.3
22.6
11.5
20.2
23.9
24.7

18.8
19.3
18.9
18.6
134.7
(9.0)
(1.2)
(1.7)
22.9
10.1
25.5
(18.2)
(42.0)
(5.5)

1,538,449.4
1,483,975.7
2,181,808.5
2,159,999.3
43,180.2
28,149.0
431,225.7
407,767.4
23,458.3
18,110.7
856,119.4
32,645.1
4,678.9
-

% Chg
13.3
10.4
16.5
(24.0)
8.9
(47.1)
4.5
7.1
(8.4)
6.3
15.7
76.9
20.2

FY 07
112,361.4
60,229.1
52,132.3
17,304.0
9,700.1
7,603.9
69,436.3
129,665.4
23,524.5
9,737.8
36,174.0
14,482.7
6,290.5
29.0
15,400.8
15,400.8

(5.7)
(100.0)
2.1
2.1
(5.7)
(39.6)

13.3
13.5
19.7
20.0
(8.2)
31.6
(6.0)
(8.5)
77.3
101.6
26.8
(5.1)
183.9
(100.0)

% Chg
17.2
22.5
11.7
35.9
28.9
46.0
16.9
19.4
11.2
7.2
24.0
64.1
5.6
7.0
#DIV/0!
7.0
7.0
7.0
74.9

0.2

15,400.8
15,400.8
3,736.3
35.9
13,005.0

76.9
(39.6)

14,482.7
2,395.9

% Chg

(16.1)
(19.9)
25.6

(8.6)
#DIV/0!
(8.6)
(35.1)

(19.5)
(13.8)
#DIV/0!

FY 07
87.8
33,907.2
31,382.9
20,612.6
2.08
18,088.3
18,088.3
2,524.3
8.0
3.4
57.2
22,801.4
25,360.0

1,807,214.3
1,741,834.9
2,638,228.0
2,611,015.8
36,977.1
49,298.0
495,907.7
455,868.5
40,039.2
34,688.6
1,080,490.4
33,550.1
7,397.0
-

17.5
17.4
20.9
20.9
(14.4)
75.1
15.0
11.8
70.7
91.5
26.2
2.8
58.1
#DIV/0!

2,229,694.9
2,151,690.6
3,276,016.0
3,231,025.1
49,104.6
71,250.5
586,884.4
547,638.2
39,246.2
33,873.4
1,371,022.8
29,131.1
5,226.5
1,071.1

FY 08
142,650.2
87,308.6
55,341.6
19,975.6
11,062.3
8,913.3
75,317.2
162,625.8
24,615.4
10,639.3
40,062.4
7,103.3
12,471.5
37.8
20,487.6
20,487.6

% Chg
27.0
45.0
6.2
15.4
14.0
17.2
8.5
25.4
4.6
9.3
10.7
(51.0)
98.3

FY 09
191,272.1
122,953.0
68,319.1
30,646.9
13,766.4
16,880.5
98,966.0
221,919.0
29,243.8
12,818.2
56,904.0
9,234.8
16,760.4
35.2
30,908.8
30,908.8

33.0
#DIV/0!
33.0
33.0
33.0
18.6

(0.1)

20,487.6
20,487.6
4,430.7
35.9
17,646.4

64.1
74.9

7,103.3
2,841.2

% Chg

8.0
(16.1)
128.3

20.1
#DIV/0!
20.1
(141.9)

(10.1)
(19.5)
#DIV/0!

FY 08
103.7
33,193.0
33,907.2
19,531.9
1.6
20,246.1
20,246.1
(714.2)
(2.1)
2.7
54.0
22,125.5
22,801.4

23.4
23.5
24.2
23.7
32.8
44.5
18.3
20.1
(2.0)
(2.3)
26.9
(13.2)
(29.3)
#DIV/0!

% Chg
34.1
40.8
23.4
53.4
24.4
89.4
31.4
36.5
18.8
20.5
42.0
30.0
34.4
50.9
#DIV/0!
50.9
50.9
50.9
50.4

35.7

30,908.8
30,908.8
6,664.5
33.0
26,443.6

(51.0)
18.6

9,234.8
4,465.2

% Chg

(2.1)
8.0
(5.2)

11.9
#DIV/0!
11.9
(128.3)

(3.0)
(10.1)
#DIV/0!

FY 09
129.7
25,069.1
30,214.6
17,311.4
1.1
22,456.9
22,456.9
(8,123.9)
(24.5)
1.6
45.1
22,154.0
22,125.5

2,717,757.0
2,629,874.6
4,024,213.1
3,973,992.6
64,732.1
93,878.0
705,548.2
678,896.1
26,652.1
21,526.5
1,706,521.0
28,606.7
6,366.0
1,071.1

FY 10
214,669.1
129,440.2
85,228.9
35,653.1
16,821.6
18,831.5
120,882.0
250,322.2
31,211.4
16,407.8
73,262.8
14,215.0
19,994.3
33.9
39,053.5
39,053.5

21.9
22.2
22.8
23.0
31.8
31.8
20.2
24.0
(32.1)
(36.5)
24.5
(1.8)
21.8
-

% Chg
12.2
5.3
24.8
16.3
22.2
11.6
22.1
12.8
6.7
28.0
28.7
53.9
19.3
26.4
#DIV/0!
26.4
26.4
26.4
20.9

49.9

39,053.6
39,053.5
8,057.7
33.0
33,654.9

30.0
57.2

14,215.0
5,398.6

53.9
20.9

% Chg
31,555.6
(24.5)
(10.9)
(11.4)

10.9
#DIV/0!
10.9
1,037.5

0.1
(3.0)
#DIV/0!

FY 10
75.1
32,144.2
25,069.1
28,381.4
1.5
21,306.3
21,306.3
7,075.1
28.2
1.7
35.5
21,800.4
22,154.0

27.3

% Chg
31,555.6
28.2
(17.0)
63.9

(5.1)
#DIV/0!
(5.1)
(187.1)

(1.6)
0.1
#DIV/0!

16.8

7,787.8

19.0
#DIV/0!
#DIV/0!
21.6

10,346.4

(2,558.6)
(10.1)

(17.2)

3,849.6

76.0
(127.5)

7,256.2
5,154.5
245.3
0.0
0.8

#DIV/0!
(19.2)
10.7
#DIV/0!
10.7
(17.2)

76.0
(46.6)

26,651.0
4,349.3
4,349.3
31,000.3
78.6
91.4
7,256.2
2,906.9
0.3
1.2

(0.2)
(0.3)
(0.4)
(0.1)

10,939.5

(1.8)

3,529.7

(8.3)

7,537.8
281.6
3.9
0.0
0.63

3.9
(94.5)

245.3
468.1

(675.9)
(3.0)

(9.0)
53.7
#DIV/0!
53.7
(3.5)

245.3
(499.1)

8.0

4.3
4.4
7.6
3.2

53.6

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

0.2
0.2
0.2
0.0

5.7
#DIV/0!
#DIV/0!
(73.6)

10,164.0

(1.0)

7,220.6

(29.0)

10,135.5

(7.3)
#DIV/0!
#DIV/0!
(104.2)

7,574.2

(25.3)
#DIV/0!
#DIV/0!
(1,340.7)

28.5
0.1

25,655.2
5,734.3
5,734.3
31,389.5
77.3
94.6
7,537.8
1,803.5
0.2
(0.3)

(3.7)
31.8
#DIV/0!
31.8
1.3

3.9
(38.0)

#DIV/0!
33,193.0
2.7

(2.1)

2,915.1
(4,622.7)
(61.3)
(0.0)
0.19

5.4
5.4
8.2
2.8

61.2

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

1.1
1.0
0.6
(0.4)

(61.3)
(1,741.6)

#DIV/0!
9,816.9
6,901.8
236.8
0.0
0.53

#DIV/0!
22,154.0
6,380.7
6,380.7
28,534.7
88.4
113.8
2,915.1
(3,465.6)
(0.2)
(2.3)
87,352.6
5.6
112,421.7
7.2

#DIV/0!
#DIV/0!
#DIV/0!
(33,193.0)

(353.6)
(1.6)

(100.0)

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
(33,907.2)

31.8

(22.6)
#DIV/0!
#DIV/0!
(58.2)

#DIV/0!
33,907.2
3.4

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

10,263.6

#DIV/0!

#DIV/0!
(16.1)

7.5

(13.6)
11.3
#DIV/0!
11.3
(9.1)

(61.3)
(292.2)

#DIV/0!
238.7

#DIV/0!
21,800.4
7,090.8
7,090.8
28,891.2
67.8
89.9
9,816.9
2,726.1
0.1
2.2
120,960.0
6.4
153,104.2
8.1

#DIV/0!
#DIV/0!
#DIV/0!
(25,069.1)

6.1
6.1
8.9
2.7

64.3

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

0.8
0.7
0.7
(0.0)

236.8
(249.3)

(1.6)
11.1
#DIV/0!
11.1
1.2

236.8
(178.7)

38.5
36.2

#DIV/0!
#DIV/0!
#DIV/0!
(32,144.2)

5.2
5.3
8.2
2.9

60.3

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

(0.9)
(0.9)
(0.7)
0.1

7.6
7.6
9.0
4.4
3.5
3.2

8.2
7.3
9.7
5.4
3.2
2.8

8.9
7.3
10.7
6.1
3.2
2.7

8.2
6.5
9.8
5.3
3.2
2.9

75.2
0.6
0.8

88.3
0.7
1.0

86.3
0.8
1.2

94.4
0.8
1.2

11.0
15.6
387.6

11.8
13.9
160.3

17.1
14.4
138.6

15.6
13.8
176.4

321.6
101,416.1
94,159.9
298.6
96,763.1
306.9
-

342.0
107,826.5
100,288.7
318.1
102,992.9
326.6
-

416.7
131,398.9
128,483.8
407.5
129,445.8
410.5
-

514.8
162,309.3
152,492.4
483.6
155,732.0
493.9
-

16.0
1.0
48.8
13.5
0.8
41.2

19.6
1.1
65.0
16.9
1.0
56.0

25.8
1.4
98.0
22.1
1.2
83.9

26.6
1.4
123.9
22.9
1.2
106.7

48.8
48.8

65.0
65.0

98.0
98.0

123.9
123.9

101,416
36,948
138,364
1,125,827
69.3

107,827
61,648
169,475
1,259,097
63.3

131,399
80,853
212,252
1,512,843
61.3

162,309
106,903
269,212
1,918,833
64.7

12.29
8.9
3.4

13.46
9.0
4.5

14.03
9.0
5.1

14.03
9.0
5.1

10.0
23.7
20.5

13.0
23.4
20.0

20.0
23.9
20.4

22.0
20.7
17.8

47.90
25.65

46.81
21.68

42.50
18.95

39.39
19.02

2.16
2.24

13.0

(282.0)

4,539.0

1.95
2.02

29.0

4,539.0

1.89
1.95

4,427.0
1,908.0
911.0
891.0
717.0
238.0

1.75
1.81

(112.0)

4,427.0
1,908.0
911.0
891.0
717.0
238.0

4,524.5

4,264.0

1,009.0

1,009.0

57,316.0

57,681.5

(731.0)

56,025.0
19,141.0
26,620.0
10,264.0
56,670.5

2,150.0

(1,291.0)

58,205.0
19,162.0
26,038.0
9,580.0
57,115.0

2,150.0

2,180.0

58,205.0
19,162.0
26,038.0
9,580.0
58,205.0

12.6

12.3

13.1

13.1

0.41
41.46
0.27

0.43
50.91
0.36

0.51
64.20
0.54

0.54
75.28
0.67

2.15
12.63
526.81
308.13

2.50
12.34
635.66
366.73

#DIV/0!
13.15
828.28
473.82

#DIV/0!
13.15
989.75
563.20

451,898.4
-

539,917.1
-

633,851.8
1,071.1
0.2

777,244.7
1,071.1
0.1

15,229.4
207,673.6

15,229.4
207,673.6

365,276.1
138,300.0
47,410.0
110,280.0
116,696.1

434,120.0
142,130.0
57,340.0
122,680.0
169,310.0

105,110.0
27,660.0

114,030.0
31,720.0

37.8
41.9
41.9

36.3
44.1
44.1

188,340.0
77,219.4

90,950.0

15.4
15.8

82.6

(54.0)

15.14
44.4
69.1
108.9
68.2
126.2
25.9
10.8

17.02
40.2
71.8
86.1
68.6
70.0
25.3
10.6

18.58
36.7
73.8
81.3
70.6
78.9
24.8
9.6

18.29
37.9
74.8
80.6
70.3
68.8
24.7
8.7

59.5
27.8
9.6
3.1

60.0
27.1
9.5
3.4

62.7
25.7
8.7
3.0

62.9
26.2
7.9
3.0

24.92
56.06
2.16
0.63

26.52
55.38
1.95
0.61

30.97
44.92
1.89
0.62

29.49
47.18
1.75
0.62

1.0
16.0
0.8
13.5

1.1
19.6
1.0
16.9

1.4
25.8
1.2
22.1

1.4
26.6
1.2
22.9

41.5
0.3

50.9
0.4

64.2
0.5

75.3
0.7

16.9
29.4

19.0
23.7

26.0
29.5

18.9
20.6

3.4
0.8
91.4
7.2

2.7
0.6
94.6
7.0

1.6
0.2
113.8
2.2

1.7
0.5
89.9
6.0

13.9
44.4
69.1
108.9
25.9
10.8

14.5
40.2
71.8
86.1
25.3
10.6

15.2
36.7
73.8
81.3
24.8
9.6

15.2
37.9
74.8
80.6
24.7
8.7

48.8
7.0
41.2
321.6
306.9
10.0
20.5

65.0
33.0
56.0
342.0
326.6
13.0
20.0

98.0
50.9
83.9
416.7
410.5
20.0
20.4

123.9
26.4
106.7
514.8
493.9
22.0
17.8

FY 11E

% Chg

FY 12E

% Chg

FY 11E

% Chg

FY 12E

% Chg

216,554.5
3,153.0
198,481.6
14,919.9
3,047,782.8
272,747.7
961,033.5
1,814,001.6
107,150.8
126,903.0
137,771.9

22.2
24.7
22.2
15.0
23.0
23.0
25.0
18.7
33.5

265,647.9
3,153.0
247,575.1
14,919.9
3,719,311.0
305,477.4
1,191,681.6
2,222,152.0
128,581.0
141,903.0
143,698.4

22.7
24.7
22.0
12.0
24.0
22.5
20.0
11.8
4.3

3,636,163.0

22.6

4,399,141.3

21.0

328,183.7
943,838.8
2,270,014.4
25,559.7
68,566.4

39.8
21.4
21.7
1.7
8.5

398,979.5
1,132,256.3
2,767,778.8
26,645.0
73,481.7

21.6
20.0
21.9
4.2
7.2

3,636,163.0

22.6

4,399,141.3

21.0

TALLY

2,303,774.0
5,351,556.9
5,303,737.0
3,281,836.7
1,233,781.2
2,264,257.8
3,536,280.2
201,634.6
820,459.2
3,621,243.1
19,520.4
5,099.2
820,459.2
919,219.2

TALLY
#DIV/0!
22.0
22.1
22.3
22.2
21.1
21.8
23.1
24.2
23.4
22.7
12.0
5.0
23.4
21.8
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

FY 11E
3,153.0
181,972.0
2,770,540.4
2,866,976.2
2,983,879.2
281,459.7
860,541.7
2,096,056.7
2,061,995.2

% Chg
23.9
20.7
21.5
21.6
25.4
22.0
21.2
21.3

#DIV/0!

2,810,604.3
6,529,915.3
6,477,313.4
3,989,794.9
1,497,159.0
2,757,420.2
4,288,656.0
250,728.1
997,448.7
4,384,221.5
21,472.4
5,354.1
997,448.7
1,105,429.7

#DIV/0!
22.0
22.0
22.1
21.6
21.3
21.8
21.3
24.3
21.6
21.1
10.0
5.0
21.6
20.3
#DIV/0!
#DIV/0!
#DIV/0!

#DIV/0!

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

FY 12E
3,153.0
226,181.3
3,383,546.9
3,501,412.8
3,635,815.8
363,581.6
1,038,047.5
2,557,189.2
2,510,839.0

% Chg
24.3
22.1
22.1
21.8
29.2
20.6
22.0
21.8

#DIV/0!

3,301,245.4
3,203,996.6
4,866,597.1
4,820,950.9
96,435.7
116,903.0
860,541.7
837,089.3
23,452.4
18,474.7
2,068,013.3
39,516.3
11,472.8
535.5

21.5
21.8
20.9
21.3
49.0
24.5
22.0
23.3
(12.0)
(14.2)
21.2
38.1
80.2
(50.0)

4,017,652.1
3,912,468.1
5,940,736.1
5,890,525.2
117,865.9
134,403.0
1,038,047.5
1,012,324.5
25,723.1
20,496.4
2,518,896.6
53,184.1
14,891.6
-

FY 11E
269,512.0
165,850.1
103,662.0
36,745.1
20,522.4
16,222.7
140,407.1
306,257.2
35,890.5
20,006.1
84,510.5
16,542.6
23,109.1
34.0
44,858.8
44,858.8

% Chg
25.5
28.1
21.6
3.1
22.0
(13.9)
16.2
22.3
15.0
21.9
15.4
16.4
15.6

FY 12E
335,486.1
210,847.5
124,638.6
43,003.9
24,626.9
18,377.1
167,642.5
378,490.0
43,038.5
24,172.0
100,432.0
17,032.0
28,773.0
34.5
54,627.0
54,627.0

14.9
#DIV/0!
14.9

44,858.8
4,442.6
33.0
41,882.3

(100.0)
14.9
(44.9)

16,542.6
2,976.5
FY 11E
14,744.2
60.0
46,888.4
32,144.2
36,860.4
1.6
22,116.2

14,744.2
45.9
2.0
7.0
33,759.6
21,800.4

21.7
22.1
22.1
22.2
22.2
15.0
20.6
20.9
9.7
10.9
21.8
34.6
29.8
(100.0)

% Chg
24.5
27.1
20.2
17.0
20.0
13.3
19.4
23.6
19.9
20.8
18.8
3.0
24.5
21.8
#DIV/0!
21.8
#DIV/0!
21.8
5.0

24.4

54,627.0
4,663.5
33.0
51,502.5

16.4
(44.9)

17,032.0
3,124.5

3.0
5.0

FY 12E
12,591.5
68.0
59,479.9
46,888.4
39,348.5

% Chg

% Chg

45.9
28.2
29.9

3.8
#DIV/0!
(100.0)
108.4

54.9
(1.6)
#DIV/0!

1.4
26,757.0

12,591.5
26.9
2.1
20.0
42,825.5
33,759.6

23.0

26.9
45.9
6.7

21.0
#DIV/0!
#DIV/0!
(14.6)

26.9
54.9
#DIV/0!

13,507.4
1,548.1

11,959.2
54.9
13,128.7
3,311.8
33.7
0.0
0.58

87.1
(79.6)
#DIV/0!
#DIV/0!
(3,482.1)

#DIV/0!
33.7
(52.0)

14,417.3
5,351.4

9,065.9
26.9
16,654.4
3,525.6
26.9
0.0
0.60

#DIV/0!
33,759.6
8,626.1
8,626.1
42,385.7
72.0
72.0
90.4
13,128.7
4,502.7
0.2
3.5

54.9
21.7
#DIV/0!
21.7
46.7

33.7
65.2

(69.4)

42,825.5
10,240.8
10,240.8
53,066.3
72.0
72.0
89.2
16,654.4
6,413.6
0.2
2.5

5.6
5.6
8.4
2.9

61.5

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

0.3
0.3
0.2
(0.0)

#DIV/0!
26.9
6.5

26.9
18.7
#DIV/0!
18.7
25.2

26.9
42.4

#DIV/0!
59,479.9
2.1

#DIV/0!
#DIV/0!
#DIV/0!
(46,888.4)

245.7
#DIV/0!
#DIV/0!
(24.2)

#DIV/0!

(100.0)
46,888.4
2.0

6.7

26.9

#DIV/0!
#DIV/0!
#DIV/0!
(59,479.9)

5.8
5.8
8.6
2.8

62.8

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

0.3
0.2
0.2
(0.1)

8,673.6

8.4
6.6
10.2
5.6
3.2
2.9

8.6
6.7
10.4
5.8
3.2
2.8

114.0
0.9
1.3

119.8
0.9
1.3

11.6
6.6
372.4

11.0
5.7
365.2

639.5
201,634.6
188,505.9
597.9
192,838.4
611.6
-

795.2
250,728.1
234,073.7
742.4
239,569.7
759.8
-

24.7
1.4
142.3
23.0
1.3
132.8

24.2
1.4
173.3
22.8
1.3
163.3

142.3
142.3

173.3
173.3

201,635
126,903
328,538
2,363,506
65.0

250,728
141,903
392,631
2,859,442
65.0

13.9
8.5
5.4

13.7
8.8
5.0

15.0
12.3
10.5

15.0
10.1
8.7

39.81
18.25

40.09
17.76

1.69
1.74

4,477.0

1.67
1.72

50.0

4,527.0

4,452.0

58,705.0

58,455.0

50.0

4,502.0

500.0

59,105.0

58,905.0

400.0

13.1

13.1

0.61
91.55
0.77

0.73
110.86
0.93

4.49
13.11
1,195.34
680.76

5.37
13.06
1,442.44
821.58

943,838.8
-

1,132,256.3
-

18.03
37.6
74.5
72.9
70.2
69.7
25.0
10.0

17.64
37.5
74.4
74.1
70.4
71.6
25.0
10.0

62.4
26.0
9.0
2.6

62.9
25.7
9.1
2.3

26.17
55.85
1.69
0.62

25.65
57.27
1.67
0.61

1.4
24.7
1.3
23.0

1.4
24.2
1.3
22.8

91.6
0.8

110.9
0.9

22.2
21.7

22.0
21.9

2.0
0.6
90.4
6.5

2.1
0.6
89.2
6.6

15.2
37.6
74.5
72.9
25.0
10.0

15.0
37.5
74.4
74.1
25.0
10.0

142.3
14.9
132.8
639.5
611.6
15.0
10.5

173.3
21.8
163.3
795.2
759.8
15.0
8.7

ALM as on 31.03.00
From
To

1 Day
14 days

Loans & Advances(1)


Investments in Secs(2)
Assets
Cumulative Assets
Cumulative Assets(%)
Deposits
Borowings
Liabilities
GAP
(as % of Dep+Borrowings)
Cumulative Liab
Cumulative Liab(%)
Diff in Cum Figures(Abs)
Diff in Cum Figures(% of Dep+Borrow))

15 days
28 days

29 days
3 Months

3 Months +
6 Months

6 Months +
1 Year

1 Year +
3 Years

3 Years +
5 Years

27,902.30
1,632.00
29,534.30
29,534.30
6.61%

6,217.50
1,115.60
7,333.10
36,867.40
8.25%

16,286.50
1,061.60
17,348.10
54,215.50
12.14%

16,930.10
1,772.00
18,702.10
72,917.60
16.32%

21,210.80
6,004.10
27,214.90
100,132.50
22.42%

75,717.40
13,132.90
88,850.30
188,982.80
42.31%

29,505.10
25,087.20
54,592.30
243,575.10
54.53%

34,758.10
113.90
34,872.00

4,959.60
4,959.60

11,874.30
2,622.10
14,496.40

14,303.10
2,708.00
17,011.10

22,961.70
416.00
23,377.70

231,122.70
565.30
231,688.00

(5,337.70)
1.11%
34,872.00
7.81%
(5,337.70)
-1.11%

2,373.50
0.49%
39,831.60
8.92%
(2,964.20)
-0.62%

2,851.70
0.59%
54,328.00
12.16%
(112.50)
-0.02%

1,691.00
0.35%
71,339.10
15.97%
1,578.50
0.33%

3,837.20
0.80%
94,716.80
21.20%
5,415.70
1.12%

(142,837.70)
29.67%
326,404.80
73.07%
(137,422.00)
-28.54%

46,323.10
9.62%
334,674.00
74.92%
(91,098.90)
-18.92%

371.20
845.30
(474.10)

38.70
1,600.30
(1,561.60)

27.00
2,017.40
(1,990.40)

12.70
(12.70)

8,109.10
160.10
8,269.20

Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap

233.40
1,570.10
(1,336.70)

550.90
444.30
106.60

1,362.60
738.20
624.40

(1) - Gross of Bills rediscounted


(2) - Net of Reverse Repo Options
ALM as on 31.03.01
From
To

1 Day
14 days

15 days
28 days

29 days
3 Months

3 Months +
6 Months

6 Months +
1 Year

1 Year +
3 Years

3 Years +
5 Years

Loans & Advances(1)


Investments in Secs(2)
Assets
Cumulative Assets
Cumulative Assets(%)
Deposits
Borowings
Liabilities
GAP
(as % of Dep+Borrowings)
Cumulative Liab
Cumulative Liab(%)
Diff in Cum Figures(Abs)
Diff in Cum Figures(% of Dep+Borrow))

14,935.30
249.70
15,185.00
15,185.00
2.86%

7,516.60
1,196.30
8,712.90
23,897.90
4.50%

19,811.50
3,666.80
23,478.30
47,376.20
8.91%

21,590.10
2,861.70
24,451.80
71,828.00
13.51%

28,524.50
4,395.50
32,920.00
104,748.00
19.71%

116,276.40
17,779.40
134,055.80
238,803.80
44.92%

30,993.60
32,299.40
63,293.00
302,096.80
56.83%

52,447.90
3,168.60
55,616.50

13,307.20
12.60
13,319.80

33,129.40
2,055.90
35,185.30

43,197.70
192.30
43,390.00

64,277.70
208.90
64,486.60

323,476.20
738.60
324,214.80

21,098.60
348.50
21,447.10

(40,431.50)
7.12%
55,616.50
10.46%
(40,431.50)
-7.12%

(4,606.90)
0.81%
68,936.30
12.97%
(45,038.40)
-7.93%

(11,707.00)
2.06%
104,121.60
19.59%
(56,745.40)
-9.99%

(18,938.20)
3.33%
147,511.60
27.75%
(75,683.60)
-13.32%

(31,566.60)
5.56%
211,998.20
39.88%
(107,250.20)
-18.88%

(190,159.00)
33.48%
536,213.00
100.87%
(297,409.20)
-52.36%

41,845.90
7.37%
557,660.10
104.91%
(255,563.30)
-44.99%

1,125.10
1,521.80
(396.70)

33.00
2,823.60
(2,790.60)

42.00
(42.00)

Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap

1,310.80
1,076.40
234.40

541.30
193.40
347.90

1,826.60
422.20
1,404.40

2,445.60
689.30
1,756.30

(1) - Gross of Bills rediscounted


(2) - Net of Reverse Repo Options

ALM as on 31.03.02
From
To

1 Day
14 days

Loans & Advances(1)


Investments in Secs(2)
Assets

16,063.60
1,213.10
17,276.70

15 days
28 days
7,990.80
350.30
8,341.10

29 days
3 Months
24,672.50
5,646.40
30,318.90

3 Months +
6 Months
25,321.40
2,221.20
27,542.60

6 Months +
1 Year
71,151.70
3,307.00
74,458.70

1 Year +
3 Years
100,724.20
28,630.80
129,355.00

3 Years +
5 Years
42,544.00
32,822.60
75,366.60

Cumulative Assets
Cumulative Assets(%)
Deposits
Borowings
Liabilities
GAP
(as % of Dep+Borrowings)
Cumulative Liab
Cumulative Liab(%)
Diff in Cum Figures(Abs)
Diff in Cum Figures(% of Dep+Borrow))

17,276.70
2.76%

25,617.80
4.09%

55,936.70
8.94%

83,479.30
13.34%

157,938.00
25.24%

287,293.00
45.91%

362,659.60
57.95%

31,641.90
2,720.40
34,362.30

14,955.30
14,955.30

24,249.30
16.60
24,265.90

28,146.80
159.90
28,306.70

35,062.70
171.50
35,234.20

335,961.10
583.10
336,544.20

10,994.50
430.00
11,424.50

(17,085.60)
2.65%
34,362.30
5.49%
(17,085.60)
-2.65%

(6,614.20)
1.02%
49,317.60
7.88%
(23,699.80)
-3.67%

6,053.00
0.94%
73,583.50
11.76%
(17,646.80)
-2.73%

(764.10)
0.12%
101,890.20
16.28%
(18,410.90)
-2.85%

39,224.50
6.08%
137,124.40
21.91%
20,813.60
3.23%

(207,189.20)
32.11%
473,668.60
75.69%
(186,375.60)
-28.88%

63,942.10
9.91%
485,093.10
77.52%
(122,433.50)
-18.97%

7,018.50
839.30
6,179.20

3,486.10
140.70
3,345.40

1,829.10
512.60
1,316.50

1,368.70
1,809.20
(440.50)

319.90
4,635.00
(4,315.10)

Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap

1,780.10
775.30
1,004.80

13.80
13.80

(1) - Gross of Bills rediscounted


(2) - Net of Reverse Repo Options
ALM as on 31.03.03
From
To

1 Day
14 days

Loans & Advances(1)


Investments in Secs(2)
Assets
Cumulative Assets
Cumulative Assets(%)
Deposits

15 days
28 days

29 days
3 Months

3 Months +
6 Months

6 Months +
1 Year

1 Year +
3 Years

3 Years +
5 Years

26,783.50
7,929.90
34,713.40
34,713.40
4.67%

9,561.00
3,208.80
12,769.80
47,483.20
6.39%

25,268.40
3,066.90
28,335.30
75,818.50
10.21%

40,344.30
2,342.50
42,686.80
118,505.30
15.96%

50,328.50
4,603.50
54,932.00
173,437.30
23.36%

138,340.70
36,821.00
175,161.70
348,599.00
46.94%

47,202.80
36,835.60
84,038.40
432,637.40
58.26%

51,007.50

18,801.00

50,352.00

50,751.50

75,967.00

472,054.50

25,085.00

Borowings
Liabilities
GAP
(as % of Dep+Borrowings)
Cumulative Liab
Cumulative Liab(%)
Diff in Cum Figures(Abs)
Diff in Cum Figures(% of Dep+Borrow))

190.20
51,197.70

480.10
19,281.10

159.00
50,511.00

3,637.00
54,388.50

113.10
76,080.10

1,963.70
474,018.20

25.80
25,110.80

(16,484.30)
2.16%
51,197.70
6.89%
(16,484.30)
-2.16%

(6,511.30)
0.85%
70,478.80
9.49%
(22,995.60)
-3.01%

(22,175.70)
2.90%
120,989.80
16.29%
(45,171.30)
-5.91%

(11,701.70)
1.53%
175,378.30
23.62%
(56,873.00)
-7.44%

(21,148.10)
2.77%
251,458.40
33.86%
(78,021.10)
-10.20%

(298,856.50)
39.08%
725,476.60
97.70%
(376,877.60)
-49.28%

58,927.60
7.71%
750,587.40
101.08%
(317,950.00)
-41.58%

1,511.80
1,969.00
(457.20)

131.70
665.70
(534.00)

233.50
1,804.70
(1,571.20)

1,010.00
4,695.70
(3,685.70)

Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap

3,208.10
621.00
2,587.10

5,505.60
1,215.50
4,290.10

166.00
40.10
125.90

(1) - Gross of Bills rediscounted


(2) - Net of Reverse Repo Options
ALM as on 31.03.04
From
To

1 Day
14 days

Loans & Advances(1)


Investments in Secs(2)

15 days
28 days

29 days
3 Months

3 Months +
6 Months

6 Months +
1 Year

1 Year +
3 Years

3 Years +
5 Years

43,225.50
350.00
43,575.50
43,575.50
4.88%

11,066.10
5,096.20
16,162.30
59,737.80
6.69%

33,136.70
6,020.00
39,156.70
98,894.50
11.07%

53,186.30
2,079.40
55,265.70
154,160.20
17.25%

65,511.00
3,759.50
69,270.50
223,430.70
25.01%

145,361.00
34,073.00
179,434.00
402,864.70
45.09%

54,331.90
55,063.00
109,394.90
512,259.60
57.33%

Liabilities

42,976.60
162.40
43,139.00

8,789.40
1,161.70
9,951.10

34,844.50
3,657.60
38,502.10

44,341.90
1,907.90
46,249.80

71,343.20
1,305.20
72,648.40

451,566.50
4,673.50
456,240.00

24,529.90
17.30
24,547.20

GAP

436.50

6,211.20

654.60

9,015.90

(3,377.90)

(276,806.00)

84,847.70

Assets
Cumulative Assets
Cumulative Assets(%)
Deposits
Borowings

(as % of Dep+Borrowings)
Cumulative Liab
Cumulative Liab(%)
Diff in Cum Figures(Abs)
Diff in Cum Figures(% of Dep+Borrow))

0.05%
43,139.00
4.83%
436.50
0.05%

0.70%
53,090.10
5.94%
6,647.70
0.75%

0.07%
91,592.20
10.25%
7,302.30
0.82%

8,768.40
893.30
7,875.10

1,482.80
163.90
1,318.90

6,059.00
485.00
5,574.00

1.01%
137,842.00
15.43%
16,318.20
1.83%

0.38%
210,490.40
23.56%
12,940.30
1.45%

31.03%
666,730.40
74.62%
(263,865.70)
-29.58%

1,285.60
1,760.70
(475.10)

584.20
4,459.40
(3,875.20)

9.51%
691,277.60
77.37%
(179,018.00)
-20.07%

Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap

7,084.30
682.70
6,401.60

158.70
93.40
65.30

(1) - Gross of Bills rediscounted


(2) - Net of Reverse Repo Options
ALM as on 31.03.05
From
To

1 Day
14 days

Loans & Advances(1)


Investments in Secs(2)
Assets
Cumulative Assets
Cumulative Assets(%)
Deposits
Borowings
Liabilities
GAP
(as % of Dep+Borrowings)
Cumulative Liab
Cumulative Liab(%)
Diff in Cum Figures(Abs)

15 days
28 days

29 days
3 Months

3 Months +
6 Months

6 Months +
1 Year

1 Year +
3 Years

3 Years +
5 Years

70,127.70
684.10
70,811.80
70,811.80
6.34%

18,276.70
5,977.90
24,254.60
95,066.40
8.51%

49,939.30
13,237.40
63,176.70
158,243.10
14.17%

59,032.90
9,933.60
68,966.50
227,209.60
20.34%

101,233.00
4,935.80
106,168.80
333,378.40
29.85%

150,823.80
31,609.00
182,432.80
515,811.20
46.18%

76,533.20
101,031.50
177,564.70
693,375.90
62.08%

75,421.60
509.60
75,931.20

16,227.60
2,626.50
18,854.10

53,562.20
7,683.20
61,245.40

58,719.00
4,843.10
63,562.10

55,736.60
3,649.30
59,385.90

526,642.50
3,328.50
529,971.00

36,623.00
4,538.30
41,161.30

(5,119.40)
0.48%
75,931.20
6.80%
(5,119.40)

5,400.50
0.51%
94,785.30
8.49%
281.10

1,931.30
0.18%
156,030.70
13.97%
2,212.40

5,404.40
0.51%
219,592.80
19.66%
7,616.80

46,782.90
4.42%
278,978.70
24.98%
54,399.70

(347,538.20)
32.82%
808,949.70
72.43%
(293,138.50)

136,403.40
12.88%
850,111.00
76.12%
(156,735.10)

Diff in Cum Figures(% of Dep+Borrow))

-0.48%

0.03%

0.21%

0.72%

5.14%

-27.68%

-14.80%

2,131.10
2,475.80
(344.70)

2,149.90
4,166.90
(2,017.00)

98.30
102.40
(4.10)

Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap

(1) - Gross of Bills rediscounted


(2) - Net of Reverse Repo Options
ALM as on 31.03.06

1,821.90
597.20
1,224.70

2,704.90
250.70
2,454.20

8,282.30
665.50
7,616.80

7,663.40
912.20
6,751.20

Bals as per B/s


5 Years +

TOTAL
Rs Mn

31,947.50
171,185.30
203,132.80
446,707.90
100.00%

225,717.20
220,990.70
446,707.90
446,707.90
100.00%

146,743.70
38.90
146,782.60

474,832.30
6,624.30
481,456.60

56,350.20
11.70%
481,456.60
107.78%
(34,748.70)
-7.22%

(34,748.70)
7.22%
481,456.60
107.78%
(34,748.70)
-7.22%

(34,748.70)
1.70
(1.70)

2,583.80
7,230.00
(4,646.20)

Bals as per B/s


5 Years +

TOTAL
Rs Mn

40,642.50
188,835.40
229,477.90
531,574.70
100.00%

280,290.50
251,284.20
531,574.70
531,574.70
100.00%

280,290.53
251,284.18
531,574.71

10,376.60
6.50
10,383.10

561,311.30
6,731.90
568,043.20

561,311.30
6,731.95
568,043.25

219,094.80
38.57%
568,043.20
106.86%
(36,468.50)
-6.42%

(36,468.50)
6.42%
568,043.20
106.86%
(36,468.50)
-6.42%

(36,468.55)

60,692.10
8,898.46
15,325.14

60,692.10
8,898.46
15,325.14

9.10
(9.10)

2.59%

7,282.40
6,777.80
504.60

Bals as per B/s


5 Years +

55,226.00
207,880.30
263,106.30

TOTAL
Rs Mn
343,694.20
282,071.70
625,765.90

Changes in ALM in FY02


From
To
Loans & Advances(1)
Investments in Secs(2)

1 Day
14 days
1,128.30
963.40
2,091.70

15 days
28 days
474.20
(846.00)
(371.80)

29 days
3 Months
4,861.00
1,979.60
6,840.60

625,765.90
100.00%

625,765.90
100.00%

Addn % to Loans & Advances


Addn % Investments in Secs

160,223.10
4.20
160,227.30

641,234.70
4,085.70
645,320.40

Deposits
Borowings

102,879.00
15.94%
645,320.40
103.12%
(19,554.50)
-3.03%

(19,554.50)
3.03%
645,320.40
103.12%
(19,554.50)
-3.03%

Addn % to Deposits
Addn % Borrowings

(20,806.00)
(448.20)
Liabilities (21,254.20)
(26.03)
16.94

15,816.20
8,712.10
7,104.10

Fx Assets
Fx Liabilities
FX Gap
Addn % to Fx Assets
Addn % to Fx Liabilities

Bals as per B/s


5 Years +

0.75
(2.75)

7.67
6.43

1,648.10
(8,880.10)
(12.60)
(2,039.30)
1,635.50 (10,919.40)
2.06
(11.11)
0.48
77.07

Cash
Subordinate Debt
Net GAP

(19,554.50)
-

1.78
3.13

TOTAL
Rs Mn

64,452.00
245,492.30
309,944.30
742,581.70
100.00%

402,281.20
340,300.50
742,581.70
742,581.70
100.00%

402,281.21
340,300.49
742,581.70

14,116.50

758,135.00

758,134.97

Changes in ALM in FY03


From
To
Loans & Advances(1)
Investments in Secs(2)

5,707.70
(237.10)
5,944.80
66.88
(12.26)

1 Day
14 days

2,944.80
(52.70)
2,997.50
34.51
(2.72)

15 days
28 days

2.50
90.40
(87.90)
0.03
4.67

29 days
3 Months

Addn % to Loans & Advances


Addn % Investments in Secs

10,719.90
6,716.80
17,436.70
18.30
11.54

1,570.20
2,858.50
4,428.70
2.68
4.91

595.90
(2,579.50)
(1,983.60)
1.02
(4.43)

Deposits

19,365.60

3,845.70

26,102.70

52.70
14,169.20

6,621.60
764,756.60

6,621.65
764,756.62

295,775.10
38.68%
764,756.60
102.99%
(22,174.90)
-2.90%

(22,174.90)
2.90%
764,756.60
102.99%
(22,174.90)
-2.90%

(22,174.92)

80,771.87
15,928.64
42,668.33

80,771.87
15,928.64
42,668.33

303.50
3.80
299.70

5.18

12,070.20
11,015.50
1,054.70

Borowings
Liabilities
Addn % to Deposits
Addn % Borrowings

Fx Assets
Fx Liabilities
FX Gap

Bals as per B/s

Changes in ALM in FY04


From
To

TOTAL
Rs Mn

66,428.70
314,813.80
381,242.50
893,502.10
100.00%

472,247.20
421,254.90
893,502.10
893,502.10
100.00%

200,771.90
5.00
200,776.90

879,163.90
12,890.60
892,054.50

180,465.60

1,447.60

FY 03
-

Loans & Advances(1)


Investments in Secs(2)
Addn % to Loans & Advances
Addn % Investments in Secs

#VALUE!

(5,506.70)
1,129.70
(6,636.40)
147.00
49.04

(3,354.40)
525.00
(3,879.40)
89.55
22.79

1 Day
14 days

#VALUE!

277,466.87
277,466.87

480.10
4,325.80
3.29
18.93

142.40
26,245.10
22.33
5.62

Cash
Subordinate Debt
Net GAP

Addn % to Fx Assets
Addn % to Fx Liabilities

5 Years +

(2,530.20)
16,835.40
16.57
(99.78)

Deposits
Borowings
Liabilities
Addn % to Deposits
Addn % Borrowings

16,442.00
(7,579.90)
8,862.10
23.50
(9.36)
(8,030.90)
(27.80)
(8,058.70)
(6.64)
(0.44)

15 days
28 days
1,505.10
1,887.40
3,392.50
2.15
2.33

1,379.00
108.40
1,270.60
(36.81)
4.71

29 days
3 Months
7,868.30
2,953.10
10,821.40
11.25
3.65

######## (15,507.50)
681.60
3,498.60
(9,330.00) (12,008.90)
(8.27)
(12.81)
10.87
55.81

20.23%
892,054.50
99.84%
1,447.60
0.16%

0.16%
892,054.50
99.84%
1,447.60
0.16%
#DIV/0!
54,584.24
#DIV/0!
#DIV/0!

41.20
88.40
(47.20)

#DIV/0!
54,584.24
#DIV/0!

25,464.20
8,626.80
16,837.40

Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap
Addn % to Fx Assets
Addn % to Fx Liabilities

Bals as per B/s


5 Years +

TOTAL
Rs Mn

84,160.90
339,319.00
423,479.90
1,116,855.80
100.00%

610,127.50
506,728.30
1,116,855.80
1,116,855.80
100.00%

43,740.26
7,703.01
51,443.28

208,736.30
4.40
208,740.70

1,031,668.80
27,182.90
1,058,851.70

45,599.60
45,599.60

214,739.20
20.28%
1,058,851.70
94.81%
58,004.10

58,004.10
5.48%
1,058,851.70
94.81%
58,004.10

Changes in ALM in FY04


From
To

1 Day
14 days

Loans & Advances(1)


Investments in Secs(2)
Addn % to Loans & Advances
Addn % Investments in Secs

5,843.68

Deposits
Borowings
Liabilities
Addn % to Deposits
Addn % Borrowings

7,256.60
(1,075.70)
8,332.30
54.18
45.03

1,351.10
(501.80)
1,852.90
10.09
21.01

15 days
28 days

2,850.90
(136.00)
2,986.90
21.28
5.69

29 days
3 Months

26,902.20
334.10
27,236.30
19.51
0.39

7,210.60
881.70
8,092.30
5.23
1.03

16,802.60
7,217.40
24,020.00
12.19
8.44

32,445.00
347.20
32,792.20
21.27
2.43

7,438.20
1,464.80
8,903.00
4.88
10.25

18,717.70
4,025.60
22,743.30
12.27
28.17

5.48%

5.48%
4,800.11
42.35
62,761.86

85.70
17.10
68.60

5.60

4,800.11
42.35
62,761.86

24,937.50
9,187.80
15,749.70

Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap
Addn % to Fx Assets
Addn % to Fx Liabilities

Bals as per B/s

Changes in ALM in FY04

(6,946.50)
(296.10)
(6,650.40)
1,318.87
(52.78)

1,222.10
86.80
1,135.30
(232.03)
15.47

2,223.30
180.50
2,042.80
(422.12)
32.17

Bucket Structure
1 Day
15 days
14 days 28 days

29 days
3 Months

3 Months +
6 Months

1 Day
14 days

29 days
3 Months

3 Months +
6 Months

15 days
28 days

3 Months +
6 Months
3,731.30
(640.50)
3,090.80

6 Months +
1 Year
42,627.20
(1,088.50)
41,538.70

1 Year +
3 Years
(15,552.20)
10,851.40
(4,700.80)

3 Years +
5 Years
11,550.40
523.20
12,073.60

5 Years +

14,583.50
19,044.90
33,628.40

TOTAL
Rs Mn
63,403.70
30,787.50
94,191.20

5.33
0.10
2.86

2.68
0.48
1.64

7.07
1.46
4.42

7.70
1.14
4.60

9.34
47.07
9.79

2.37
0.19
2.34

5.90
30.54
6.19

7.70
2.86
7.64

18.00
15.88

7.43
2.85

25.08
6.23

33.58
10.17

1 Day
14 days
4.67
0.43
2.76

15 days
28 days
2.32
0.12
1.33

29 days
3 Months
7.18
2.00
4.85

3 Months +
6 Months
7.37
0.79
4.40

5.88
(2.08)

67.23
(3.54)

(24.53)
35.25

(15,050.90)
(32.40)
(15,083.30)
(18.83)
1.22

(29,215.00)
(37.40)
(29,252.40)
(36.55)
1.41

12,484.90
(155.50)
12,329.40
15.62
5.88

18.22
1.70
(10,104.10)
81.50
(10,022.60)
(12.64)
(3.08)

23.00
61.86
149,846.50
(2.30)
149,844.20
187.49
0.09

100.00
100.00
79,923.40
(2,646.20)
77,277.20
100.00
100.00

4.93
66.58
5.32

2.33
2.32

3.78
0.41
3.76

4.39
3.91
4.39

44.38
9.63

22.04
1.61

11.56
5.88

11.25
8.90

100.00
(665.50)
86.00
(751.50)
(7.80)
4.45

3 Months +
6 Months

243.60
287.40
(43.80)
2.85
14.86

6 Months +
1 Year

286.90
1,811.40
(1,524.50)
3.36
93.65

1 Year +
3 Years

13.80
(42.00)
55.80
0.16
(2.17)

3 Years +
5 Years

(9.10)
9.10
(0.47)

5 Years +

8,533.80
1,934.30
6,599.50
100.00
100.00

TOTAL
Rs Mn

1 Day
14 days

15 days
28 days

29 days
3 Months

3 Months +
6 Months

15,022.90
121.30
15,144.20
25.64
0.21

(20,823.20)
1,296.50
(19,526.70)
(35.54)
2.23

37,616.50
8,190.20
45,806.70
64.21
14.07

4,658.80
4,013.00
8,671.80
7.95
6.89

9,226.00
37,612.00
46,838.00
15.75
64.59

58,587.00
58,228.80
116,815.80
100.00
100.00

6.66
2.33
4.67

2.38
0.94
1.72

6.28
0.90
3.82

10.03
0.69
5.75

22,604.70

40,904.30

136,093.40

14,090.50

(146,106.60)

116,900.30

6.73

2.48

6.64

6.69

3,477.10
26,081.80
19.34
137.12

(58.40)
1,380.60
40,845.90 137,474.00
34.99
116.42
(2.30)
54.44

(404.20)
48.50
13,686.30 (146,058.10)
12.05
(124.98)
(15.94)
1.91

2,535.90
119,436.20
100.00
100.00

2.87
6.69

7.25
2.52

2.40
6.60

54.93
7.11

12.53
17.87

1.09
6.04

26.58
5.64

45.61
11.03

100.00
3,725.50
440.20
3,285.30
(99.45)
19.11

3 Months +
6 Months

(1,135.20)
(4.50)
(1,130.70)
30.30
(0.20)

6 Months +
1 Year

690.10
60.70
629.40
(18.42)
2.64

1 Year +
3 Years

12,842.00
(263.10)
12,578.90
18.35
(0.32)

15,182.50
(844.00)
14,338.50
21.70
(1.04)

7,020.30
(2,748.00)
4,272.30
10.03
(3.39)

(6,409.60)
(1,729.10)
(8,138.70)
(5.30)
(27.58)

(4,623.80)
1,192.10
(3,431.70)
(3.82)
19.02

(20,488.00)
2,709.80
(17,778.20)
(16.93)
43.23

152.20
40.10
112.10
(4.06)
1.74

3 Years +
5 Years
7,129.10
18,227.40
25,356.50
10.19
22.52
(555.10)
(8.50)
(563.60)
(0.46)
(0.14)

303.50
3.80
299.70
(8.10)
0.16

5 Years +

(3,746.00)
2,303.40
(6,049.40)
100.00
100.00

TOTAL
Rs Mn

1 Day
14 days

15 days
28 days

29 days
3 Months

3 Months +
6 Months

1,976.70
69,321.50
71,298.20
2.83
85.63

69,966.00
80,954.40
150,920.40
100.00
100.00

9.15
0.08
4.88

2.34
1.21
1.81

7.02
1.43
4.38

11.26
0.49
6.19

186,655.40
(47.70)
186,607.70
154.22
(0.76)

121,028.90
6,269.00
127,297.90
100.00
100.00

4.89
1.26
4.84

1.00
9.01
1.12

3.96
28.37
4.32

5.04
14.80
5.18

100.00
1,578.70
(532.80)
2,111.50
11.79
22.31

3 Months +
6 Months

1,052.10
(44.00)
1,096.10
7.86
1.84

6 Months +
1 Year

(425.80)
(236.30)
(189.50)
(3.18)
9.89

1 Year +
3 Years

(7.30)
53.30
(60.60)
(0.05)
(2.23)

3 Years +
5 Years

5,846.60
7,854.20
13,700.80
4.24
9.19

35,722.00
1,176.30
36,898.30
25.91
1.38

5,462.80
(2,464.00)
2,998.80
3.96
(2.88)

22,201.30
45,968.50
68,169.80
16.10
53.78

14,377.10
2,935.20
17,312.30
9.43
20.54

(15,606.60)
2,344.10
(13,262.50)
(10.23)
16.40

75,076.00
(1,345.00)
73,731.00
49.23
(9.41)

12,093.10
4,521.00
16,614.10
7.93
31.63

(262.30)
84.60
(346.90)
(1.96)
(3.54)

5 Years +

17,732.20
24,505.20
42,237.40
12.86
28.67
7,964.40
(0.60)
7,963.80
5.22
(0.00)

13,394.00
(2,388.70)
15,782.70
100.00
100.00

TOTAL
Rs Mn

34.43
10.35

1 Day
14 days

5.82
1.90

15 days
28 days

23.79
5.62

29 days
3 Months

27.82
7.91

3 Months +
6 Months

137,880.30
85,473.40
223,353.70
100.00
100.00

11.49
0.14
6.34

3.00
1.18
2.17

8.19
2.61
5.66

9.68
1.96
6.18

152,504.90
14,292.30
166,797.20
100.00
100.00

7.31
1.87
7.17

1.57
9.66
1.78

5.19
28.26
5.78

5.69
17.82
6.00

100.00
579.10
229.50
349.60
(109.95)
40.91

845.50
715.10
130.40
(160.53)
127.47

1,565.70
(292.50)
1,858.20
(297.27)
(52.14)

(60.40)
9.00
(69.40)
11.47
1.60

44.50
(71.30)
115.80
(8.45)
(12.71)

(526.70)
561.00
(1,087.70)
100.00
100.00

7.31
6.50

10.85
2.73

33.21
7.24

30.73
9.93

Cumulative Structure
6 Months +
1 Year

1 Year +
3 Years

3 Years +
5 Years

5 Years +

TOTAL
Rs Mn

6 Months +
1 Year

1 Year +
3 Years

3 Years +
5 Years

5 Years +

TOTAL
Rs Mn

10.18
1.75
6.19

41.48
7.08
25.22

11.06
12.85
11.91

14.50
75.15
43.17

100.00
100.00
100.00

5.33
0.10
2.86

8.01
0.58
4.50

15.08
2.03
8.91

22.78
3.17
13.51

32.96
4.92
19.71

74.44
12.00
44.92

11.45
3.10
11.35

57.63
10.97
57.08

3.76
5.18
3.78

1.85
0.10
1.83

100.00
100.00
100.00

9.34
47.07
9.79

11.71
47.26
12.14

17.62
77.80
18.33

25.31
80.65
25.97

36.76
83.75
37.32

94.39
94.73
94.40

15.45
22.45

0.45
41.66

0.62

0.13

100.00
100.00

18.00
15.88

25.43
18.73

50.51
24.96

84.10
35.13

99.55
57.59

100.00
99.25

6 Months +
1 Year
20.70
1.17
11.90

1 Year +
3 Years
29.31
10.15
20.67

3 Years +
5 Years
12.38
11.64
12.04

5 Years +

16.07
73.70
42.05

TOTAL
Rs Mn
100.00
100.00
100.00

1 Day
14 days
4.67
0.43
2.76

15 days
28 days
7.00
0.55
4.09

29 days
3 Months
14.18
2.56
8.94

3 Months +
6 Months
21.54
3.34
13.34

6 Months +
1 Year
42.25
4.52
25.24

1 Year +
3 Years
71.55
14.67
45.91

5.47
4.20
5.46

52.39
14.27
52.15

1.71
10.52
1.77

24.99
0.10
24.83

100.00
100.00
100.00

4.93
66.58
5.32

7.27
66.58
7.64

11.05
66.99
11.40

15.44
70.90
15.79

20.91
75.10
21.25

73.30
89.37
73.40

8.65
20.77

2.02
53.20

0.09
-

100.00
100.00

44.38
9.63

66.42
11.25

77.98
17.13

89.24
26.03

97.89
46.80

99.91
100.00

6 Months +
1 Year

1 Year +
3 Years

3 Years +
5 Years

5 Years +

TOTAL
Rs Mn

1 Day
14 days

15 days
28 days

29 days
3 Months

3 Months +
6 Months

6 Months +
1 Year

1 Year +
3 Years

12.51
1.35
7.40

34.39
10.82
23.59

11.73
10.82
11.32

16.02
72.14
41.74

100.00
100.00
100.00

6.66
2.33
4.67

9.03
3.27
6.39

15.32
4.17
10.21

25.34
4.86
15.96

37.86
6.22
23.36

72.24
17.04
46.94

10.02

62.27

3.31

1.86

100.00

6.73

9.21

15.85

22.54

32.56

94.83

1.71
9.95

29.66
61.98

0.39
3.28

0.80
1.85

100.00
100.00

2.87
6.69

10.12
9.22

12.52
15.82

67.45
22.93

69.16
32.88

98.81
94.86

1.93
16.38

8.37
42.63

1.38
0.36

2.51
0.03

100.00
100.00

12.53
17.87

13.62
23.92

40.19
29.56

85.81
40.59

87.74
56.97

96.11
99.60

6 Months +
1 Year

1 Year +
3 Years

3 Years +
5 Years

5 Years +

TOTAL
Rs Mn

1 Day
14 days

15 days
28 days

29 days
3 Months

3 Months +
6 Months

6 Months +
1 Year

1 Year +
3 Years

13.87
0.89
7.75

30.78
8.09
20.08

11.50
13.07
12.24

14.07
74.73
42.67

100.00
100.00
100.00

9.15
0.08
4.88

11.50
1.29
6.69

18.51
2.72
11.07

29.78
3.22
17.25

43.65
4.11
25.01

74.43
12.20
45.09

8.11
10.13
8.14

51.36
36.26
51.14

2.79
0.13
2.75

22.84
0.04
22.51

100.00
100.00
100.00

4.89
1.26
4.84

5.89
10.27
5.95

9.85
38.65
10.27

14.90
53.45
15.45

23.01
63.57
23.60

74.37
99.83
74.74

5.05
20.41

6 Months +
1 Year

2.29
51.69

1 Year +
3 Years

0.62
1.08

3 Years +
5 Years

0.16
1.02

5 Years +

100.00
100.00

TOTAL
Rs Mn

34.43
10.35

1 Day
14 days

40.26
12.25

15 days
28 days

64.05
17.88

29 days
3 Months

91.87
25.79

3 Months +
6 Months

96.92
46.20

6 Months +
1 Year

99.21
97.89

1 Year +
3 Years

16.59
0.97
9.51

24.72
6.24
16.33

12.54
19.94
15.90

13.79
66.96
37.92

100.00
100.00
100.00

11.49
0.14
6.34

14.49
1.31
8.51

22.67
3.93
14.17

32.35
5.89
20.34

48.94
6.86
29.85

73.66
13.10
46.18

5.40
13.42
5.61

51.05
12.24
50.05

3.55
16.70
3.89

20.23
0.02
19.71

100.00
100.00
100.00

7.31
1.87
7.17

8.88
11.54
8.95

14.08
39.80
14.74

19.77
57.62
20.74

25.17
71.04
26.35

76.22
83.29
76.40

8.55
26.95

8.62
45.35

0.39
1.11

0.34
0.19

100.00
100.00

7.31
6.50

18.15
9.23

51.36
16.47

82.10
26.40

90.64
53.35

99.26
98.70

85.50
24.85
56.83

100.00
100.00
100.00

98.15
99.90
98.17

100.00
100.00
100.00

100.00
99.87

100.00
100.00

3 Years +
5 Years
83.93
26.30
57.95

5 Years +

100.00
100.00
100.00

TOTAL
Rs Mn

75.01
99.90
75.17

100.00
100.00
100.00

100.00
100.00

100.00
100.00

3 Years +
5 Years

5 Years +

83.98
27.86
58.26

100.00
100.00
100.00

98.14

100.00

TOTAL
Rs Mn

99.20
98.15

100.00
100.00

97.49
99.97

100.00
100.00

3 Years +
5 Years

5 Years +

85.93
25.27
57.33

100.00
100.00
100.00

77.16
99.96
77.49

100.00
100.00
100.00

TOTAL
Rs Mn

99.84
98.98

3 Years +
5 Years

100.00
100.00

5 Years +

86.21
33.04
62.08

100.00
100.00
100.00

79.77
99.98
80.29

100.00
100.00
100.00

TOTAL
Rs Mn

99.66
99.81

100.00
100.00

period_months_qtr

Period (months)
Year end

Financial Highlights (Rs m)


gross_sales_qtr
excise_duty_qtr
net_sales_qtr
operating_expenses_qtr
raw_material_consumed_qtr
stock_adjustment_qtr
purchase_of_finished_goods_qtr
total_material_cost
employee_expenses_qtr
other_operating_expenses_qtr
operating_profit_qtr
other_operating_income_qtr
ebitda_qtr
depreciation_qtr
total_depreciation_qtr
total_amortisation_qtr
other_income_qtr
ebit_qtr
int_paid_qtr
pre_tax_profit_before_non_recurring_items_qtr
non_recurring_items_qtr
pre_tax_profit_qtr
tax_qtr
tax_provided_qtr
deferred_tax_qtr
net_profit_qtr
prior_period_adjustments_qtr

share_of_associate_profit_qtr
minority_interests_pl_qtr
preference_dividend_qtr
net_income_qtr
tax_on_non_recurring_items_qtr
adjusted_net_profit_qtr
dividend_paid_qtr
tax_on_dividend_paid_qtr
wtd_avg_shares_qtr

3
3
Jun'02

Income Statement
Gross Sales
Excise Duty
Net Sales
Operating expenses
Raw material consumed
Stock Adjustment
Purchase of Finished Goods
Total Material Cost
Employee expenses
Other operating expenses
Operating profit
Other operating income
EBITDA
Depreciation
Total depreciation
Total amortisation
Other income
EBIT
Interest paid
Pre-tax profit (before non-recurring items)
Non-recurring items
Pre-tax profit (after non-recurring items)
Tax (current + deferred)
Tax provided
Deferred tax
Net profit
Prior period adjustments
Expenses
Taxation
Share of Associate Profit
Minority interests
Preference dividend
Net income
Tax on non-recurring items
Adjusted net profit
Dividend provided
Tax on dividend provided
Wtd avg shares (m)
Ratios: Fundamentals
Reported EPS (Rs)
Adjusted EPS (Rs)
Operating profit margin (%)

EBITDA margin (%)


Tax rate (%)
General Information
+ Standalone/Consolidated
+ Year-end
+ Bloomberg code

3
3
Sep'02

3
3
Dec'02

3
3
Mar'03

3
3
Jun'03

3
3
Sep'03

3
3
Dec'03

3
3
Mar'04

3
3
Jun'04

3
3
Sep'04

3
3
Dec'04

3
3
Mar'05

21747.949

26918.8

23623.3

24175.7

24945.7

26988.8

23800.8

25620

5954.882

11150.1

7118.8

6984.8

7149.9

7476.9

5445

5269.8

2525.082

2997.6

2598

2966.2

3226.7

4125.5

3142.7

3606.3

2525.082

2997.6

2598

2966.2

3226.7

4125.5

3142.7

3606.3

2525.082

2997.6

2598

2966.2

3226.7

4125.5

3142.7

3606.3

28.9

28.7

27.7

22.9

20.6

27.4

41.4

30.1

3
3
Jun'05

Last updated on 3
3
Sep'05
Dec'05

3
3

39758
3
3
Mar'06
Jun'06

3
3

3
3
Sep'06

3
3
Dec'06

3
3
Mar'07

3
3
Jun'07

3
3
Sep'07

3
3
Dec'07

25427.9

26828.4

26992.7

28904.1

29232

30591.9

32713.6

37127.9

37951.2

39308.9

41195.7

6445.1

6836.3

5483.6

9982.7

8787.2

8996.7

9566.6

8823.5

9331.3

8549.8

9913.5

3581.6

4220.4

3704.4

2886.7

3675.2

5049.9

4298.7

2377

4250.7

5384.8

5414.5

3581.6

4220.4

3704.4

2886.7

3675.2

5049.9

4298.7

2377

4250.7

5384.8

5414.5

3581.6

4220.4

3704.4

2886.7

3675.2

5049.9

4298.7

2377

4250.7

5384.8

5414.5

25.3

25.5

20.3

34.5

30.1

29.4

29.2

24.6

21.8

24.1

23.8

3
3
Mar'08

3
3
Jun'08

3
3
Sep'08

3
3
Dec'08

3
3
Mar'09

Jun'09

Sep'09

Dec'09

Mar'10

44170

45946.2

53131.8

62399.1 60981.426

61775.8

60758.6

62365.8 66303.796

12267.8

9824.2

13678.3

18059.4 15881.573

15693.4

16063

18182.1 19085.993

5437.6

5123.9

7070.9

10058.2

8655.873

8320.5

9269.6

10113.4 10621.063

5437.6

5123.9

7070.9

10058.2

8655.9

8320.5

9269.6

10113.4 10621.063

5437.6

5103.4

7039.6 9972.4358

8596.7

8320.5

9269.6

10113.4 10621.063

27.8

21.4

25.7

26.0

25.4

26.4

28.9

29.2

28.8

Profit & Loss Account (Rs mn)


Yr to 31 Mar
Interest income
Interest Expense
Net interest Income
Net Int Income growth (%)
Other Operating Income
Total Net Income
Operating Expenses
Operating Profits
Optg Profit Total Income (%)
Provn, Write Offs & Amort
Profit Before Tax
Tax
Implied tax rate (%)
PAT
PAT Growth(%)
PAT/Total Income(%)
Non-recurring items
Reported net profit
PAT Growth(%)
Profit & Loss Monitors
Yr to 31 Mar
Margins, Cost & Efficiency Ratios (%)
Int Expensed / Int Earned
Avg Yield on Assets
Avg Cost of Funds
Net Interest Margin
Spread

FY 04
77,797
41,550
36,247
16
18,669
54,916
22,556
32,359
34
13,514
18,846
6,608
35
12,238
28
13
(1,151)
11,087
32

FY 05 FY06
84,599
95,842
44,531
49,174
40,067
46,668
11
16
16,757
12,735
56,824
59,403
31,619
30,232
25,205
29,171
25
27
4,989
8,823
20,217
20,348
4,955
5,955
25
29
15,262
14,393
25
(6)
15
13
(1,161)
14,101
14,393
27
2

% Change
13
10
16
(24)
5
(4)
16
77
1
20
(6)

(100)
2

% Change
17
22
12

FY07

% Change

36
17
10
24
64
7
6
7

#DIV/0!
7

FY08E
142,650
87,309
55,342
6
19,976
75,317
35,255
40,062
25
7,103
32,959
12,472
38
20,488
33
13
20,488
33

FY09E
191,272
122,953
68,319
23
30,647
98,966
42,062
56,904
26
9,235
47,669
16,760
35
30,909
51
14
30,909
51

% Change
34
41
23

FY08E

FY09E

% Change

53
31
19
42
30
45
34
51

#DIV/0!
51

FY10E
214,669
129,440
85,229
25
35,653
120,882
47,619
73,263
29
14,215
59,048
19,994
34
39,054
26
16
39,054
26

FY 04

FY 05

FY06

53.4
8.7
4.9
4.1
3.8

52.6
7.7
4.5
3.7
3.3

51.3
7.3
4.2
3.6
3.2

(3)
(5)
(7)
(2)
(3)

53.6
7.6
4.4
3.5
3.2

4
3
6
(2)
0

61.2
8.2
5.4
3.2
2.8

64.3
8.9
6.1
3.2
2.7

5
9
14
(0)
(2)

60.3
8.2
5.3
3.2
2.9

Income & Cost Structure (%)


Oth Inc/Optg Income
Core Income / Other Income
Optg Cost / Average Assets
Core Fee Income / Avg Assets

34.0
29.6
2.4
0.6

29.5
41.3
2.8
0.6

21.4
59.1
2.2
0.6

(27)
43
(20)
(8)

24.9
56.1
2.2
0.6

16
(5)
(3)
14

26.5
55.4
2.0
0.6

31.0
44.9
1.9
0.6

17
(19)
(3)
1

29.5
47.2
1.8
0.6

Profitability Ratios (%)


RoAA
RoANW
Core RoAA
Core RoANW

1.3
29.2
0.5
12.1

1.3
24.3
1.1
20.7

1.1
17.0
1.0
15.4

(21)
(30)
(16)
(26)

1.0
16.0
0.8
13.5

(6)
(6)
(12)
(12)

1.1
19.6
1.0
16.9

1.4
25.8
1.2
22.1

22
32
21
31

1.4
26.6
1.2
22.9

Efficiency Ratios (Rs Mn)


Business / Employee
Net Profit / Employee

23.7
0.2

28.5
0.3

33.9
0.2

19
(5)

41.5
0.3

22
8

50.9
0.4

64.2
0.5

26
50

75.3
0.7

XXXXXXXXXX Bank

% Change

FY07
112,361
60,229
52,132
12
17,304
69,436
33,262
36,174
28
14,483
21,691
6,291
29
15,401
7
12
15,401
7

FY10E

Balance Sheet (Rs mn)


Yr to 31 Mar
Cash & Bal with RBI/Banks
Investments
Net Advances
Fixed Assets
16 Other Assets
22 Total Assets
13
29 Equity Capital
Shareholders Funds
54 Deposits
24 Borrowings & Subord Debt
19 Other Liabilities & Provisions
Capital employed
26
Balance Sheet Monitors
Yr to 31 Mar
#DIV/0!
Growth Rates (%)
26 Gr in Deposits
Gr in Net Advances

% Change
12
5
25

Asset Quality (%)


% Change Gross NPL Ratio
Net NPL Ratio
(6) Covg Ratio (incl Gen Provn)
(8) Net NPA (as a % to NW)
(14)
2 Financing Structure (%)
5 Leverage (x)
Low Cost Deps / Ext Funds
Advances / Deposit Ratio
(5) Incremental Credit / Deposit
5 Effective SLR
(7) Effective CRR
0
Per Share Data (Rs)
Yr to 31 Mar
4 EPS
3 +/- %
4 Core EPS
4 BV
Adj BV
DPS
17 Divd Payout (%)
24

FY 04
88,205
421,255
472,247
8,998
32,612
#######

FY 05
110,890
506,728
604,128
9,652
31,014
########

FY06
247,917
410,553
746,274
10,302
37,628
#######

FY07
156,455
451,898
965,965
10,098
39,808
#######

FY08E
188,307
539,917
#######
23,155
43,808
#######

FY09E
214,131
633,852
#######
23,971
50,202
#######

2,653
50,118
879,164
36,469
57,566
#######

3,153
81,613
########
50,612
98,519
########

3,153
93,764
#######
86,222
75,839
#######

3,153
104,355
#######
56,437
64,837
#######

3,153
123,183
#######
116,114
86,334
#######

3,153
146,536
#######
124,597
100,448
#######

% Change
14
17
29
4
15
24
-

FY10E
234,736
777,245
#######
25,135
63,201
#######

19
26
7
16
24

3,153
177,229
#######
192,624
103,177
#######

FY 04

FY 05

FY06

FY07

FY08E

FY09E

% Change

FY10E

16.0
17.4

17.3
27.9

16.0
23.5

16.9
29.4

19.0
23.7

26.0
29.5

36.79
24.23

18.9
20.6

9.1
1.0
93.4
9.6

5.8
0.2
103.6
1.5

4.0
0.3
102.3
2.3

3.4
0.8
91.4
7.2

2.7
0.6
94.6
7.0

1.6
0.2
113.8
2.2

(41.25)
(70.13)
20.36
(68.26)

1.7
0.5
89.9
6.0

18.3
44.0
53.7
57.8
38.7
-

13.3
44.2
58.6
86.5
40.1
10.2

13.7
45.7
62.4
86.1
27.0
19.3

13.9
44.4
69.1
108.9
25.9
10.8

14.5
40.2
71.8
86.1
25.3
10.6

15.2
36.7
73.8
81.3
24.8
9.6

4.91
(8.78)
2.73
(5.60)
(1.75)
(8.88)

15.2
37.9
74.8
80.6
24.7
8.7

FY 04
46.1
15.1
19.1
176.8
166.0
4.0
8.7

FY 05
52.6
14.0
44.8
248.9
246.5
5.5
11.4

FY06
45.6
(13.2)
41.3
287.8
283.5
6.0
13.1

FY07
48.8
7.0
41.2
321.6
306.9
10.0
20.5

FY08E
65.0
33.0
56.0
342.0
326.6
13.0
20.0

FY09E
98.0
50.9
83.9
416.7
410.5
20.0
20.4

% Change
50.87
49.85
21.86
25.68
53.85
1.98

FY10E
123.9
26.4
106.7
514.8
493.9
22.0
17.8

% Change
10
23
21
5
26
20
21
19
55
3
20

% Change
(27.49)
(30.00)

s
179.19
(21.04)
172.63

(0.06)
3.44
1.48
(0.83)
(0.38)
(9.30)

% Change
26.35
27.27
23.52
20.31
10.00
(12.94)

Date

% change New PLR

Home Loan Rates

Special VRS in ______________


Expenditure
Gratuity & Pension Liab

Rs mn
FY01

Liab b/f
Liability
Liab C/f

FY02

FY03

FY04

FY05

FY06

FY07
-

Year End
FY 2004
FY 2003
FY 2002
FY 2001
FY 2000
FY 1999
FY 1998
FY 1997
FY 1996
FY 1995
FY 1994
FY 1993
FY 1992
FY 1991

Dividend Rs mn

Dividend(%)

Dividend Yield

Principal Financial
Principal Financial Group (Des Moines, USA)
Principal PNB Asset Management Company
Principal Financial Group (Mauritius) Limited
(Principal Mauritius)
Punjab National Bank
Vijaya Bank

Shareholding

PNB Principal Financial Planners


Principal Financial Group (Mauritius) Limited
(Principal Mauritius)
Punjab National Bank
Vijaya Bank

Shareholding

Principal PNB Insurance Advisory Company


Principal Financial Group (Mauritius) Limited
(Principal Mauritius)
Punjab National Bank
Vijaya Bank
Berger Paints

Shareholding

Value of Principal PNB AMC


Stake
Value of PNB Stake
No of PNB Shares
Per Share value

65%
30%
5%

65%
30%
5%

26%
30%
19%
25%

7647.8
30%

306
32
10

Year Equity Capital Remarks

Price (Rs)
shares outstanding (mn)
US$ exchange rate (Rs)

Date

Year to March
P&L Data (Rs mn)
Net Interest Income
Pre Provision Profits
Net Profit

2005

2006

2007E

2008E

40,067.41
25,205.37
14,101.17

10.54
(22.11)
27.19

46,667.66
29,171.14
14,393.04

16.47
15.73
2.07

52,132.34
36,174.03
15,400.83

11.71
24.01
7.00

55,341.56
40,062.39
20,487.59

3.66

(9.82)

3.57

(2.41)

3.51

(1.55)

3.18

103.64

10.94

102.32

(1.28)

91.43 (10.65)

94.57

Key Business Ratios (%)


Net Interest Margin
NPA Coverage(incl gen prov)
Balance Sheet (Rs mn)
Total Assets

1,262,412.81

Shareholders Funds
Per Share Data (Rs)
Normalised EPS
Adjusted BV
Dividend Per Share
Returns
ROA
RONW

23.36 ###########

15.07 1,624,224.97

11.81 1,990,203.61

62.84

93,763.60

14.89

104,354.60

11.30

123,183.46

44.77 134.56
246.50
48.53
5.52
38.11

41.30
283.51
6.00

(7.73)
15.01
8.61

41.25
306.89
10.00

(0.14)
8.25
66.67

55.97
326.65
13.00

1.34
2.88
24.34 (16.52)

1.06
17.01

(20.61)
(30.12)

1.00
16.03

(5.58)
(5.77)

1.13
19.58

81,612.99

Share Data
Market Cap

Rs bn
$ mn
Rs
Rs

Price
Target Price
Reuters Code
Bloomberg Code
Daily Vol

Rs mn
$ mn
mn

Issued Share
Valuation Ratios
EPS (Rs)
+ / - (%)
PER (x)
P/BV (X)
P/ TA-ABV (X)
Dividend Yield (%)

2005
52.57263027
13.97297497
0
0
0
#DIV/0!

Share Holding Pattern

Promoters
Institutions
Foreign
Public
Others

2006
45.64835357
-13.1708775
0
0
0
#DIV/0!

2007E
48.84460478
7.00189814
0
0
0
#DIV/0!

2008E
64.9775755
33.02917649
0
0
0
#DIV/0!

Relative Performance
Share price
Sensex
Since Jan 2003

CAGR %*
*FY05-08E
6.16
11.37
10.75
16.70
33.03
13.26
(9.56)

3.43

22.53

16.39

18.04

14.71

35.69
6.44
30.00

7.73
9.84
33.01

13.25
22.17

12.81981421

Date of Price & Exchg Rate

Market cap. (Rs Mn)

Stock Price
Shares Outstanding

52 Week High
52 Week Low

#####

US Dollar Exchange Rate

Listed on

BSE
NSE

12-M Daily Avg T/o (No of shares)


Share Data

Valuations

Market cap. (US$ mn)

#DIV/0!

Year to March

12 - mnth avg. daily turnover (US$ mn)

#DIV/0!

EPS (Rs.)
+/- %
PER (X)

19.2

BV (Rs.)
P/BV (X)

1m
Performance (%) - Non Annualised
Absolute
Relative

Major Shareholders (%)


Foreign (FII, NRI, OCB)
#REF!
#REF!
#REF!
#REF!
#REF!

Tax Neutral BV (Rs.)


P/TNABV (X)
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!
#REF!

Free Float
Foreign/Free Float

3m 12m

#REF!
#REF!

Tax Adj BV (Rs.)


P/TA-ABV (X)
Divd (Rs.)
Dividend Yield (%)

2000

2001

2002

2003

2004E

32.5
69.1%
-

31.9
-1.8%
-

40.1
25.6%
-

90.34
-

#####
-

#####
-

#####
-

176.81
-

248.93
-

287.79
-

321.65
-

0.02
-

21.27
-

50.32
-

82.04
-

159.89
-

245.14
-

281.12
-

298.63
-

34.79
-

55.21
-

81.66
-

#####
-

165.96
-

246.50
-

283.51
-

306.89
-

2.36
#DIV/0!

2.50
#DIV/0!

3.00
#DIV/0!

3.50
#DIV/0!

4.00
#DIV/0!

5.52
#DIV/0!

6.00
#DIV/0!

10.00
#DIV/0!

46.1
15.1%
-

2005E
52.6
14.0%
-

2006E
45.6
-13.2%
-

2007E
48.8
7.0%
-

440
PRICE

367 DATE

Beta

0.9

Adjusted Beta
RF

1.8

600.5

14.0

1.6

523.7

1.7

550.7

14.5

1.5

483.6

1.6

508.6

15.0

1.4

449.2

1.4

472.4

15.5

1.3

419.4

1.4

441.0

16.5

FY07E

FY08E

15.5

18.7

8.0

8.0

8.0

1.14

1.64

ABV

283.6

306.5

326.2

Price

368.4

349.7

533.5

Upside (%)

0.4

Current target price


based on 1.1x FY 08E

(4.7)
ABV'

ABV
FY05

45.4
x

Target

326
FY06E

1.1
FY07E

358.8
FY08E

EPS (Rs.)
BV (Rs)
ABV (Rs)
Price
367

Target

Upside

534

45

PER

#DIV/0! #DIV/0!

#DIV/0!

#DIV/0!

P/BV

#DIV/0! #DIV/0!

#DIV/0!

#DIV/0!

P/ABV

#DIV/0! #DIV/0!

#DIV/0!

#DIV/0!

Relative valuation

FY06
CanBk

UBI

CorpBk

PNB

SBI

EPS (Rs)
Book Value (Rs)
Adj Book Value (Rs)
Net NPAs (%)
ROANW (%)
ROA (%)
PER (X)

#DIV/0! #DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

PABV (X)

#DIV/0! #DIV/0!

#DIV/0!

#DIV/0!

#DIV/0!

PRICE

Price

571.0

1.30

P/ABV

18.2

1.8

14.5

Price

13.5

FY06
ROE

17.7

COE

8.0

RP
COE

ROE

0.9

18.7

Price

19.2

Price

19.7

Price

1.9

630.0

2.0

659.5

2.1

689.0

1.8

577.8

1.9

604.8

1.9

631.9

1.6

533.5

1.7

558.5

1.8

583.5

1.5

495.6

1.6

518.8

1.7

542.0

1.4

462.7

1.5

484.4

1.6

506.0