South

Indian
Bank
Balance
Sheet

Previous
Years
------------------ in Rs. Cr.
-----------------Mar '12

Mar '11

Mar '10

Mar '09

Mar '08

12 mths

12 mths

12 mths

12 mths

12 mths

113.37

113.01

113.01

113.01

90.41

113.37

113.01

113.01

113.01

90.41

0.01

1,912.39

1,582.65

1,354.21

1,172.59

1,051.81

Capital and Liabilities:

Total Share
Capital
Equity
Share
Capital
Share
Application
Money
Preference
Share
Capital
Reserves
Revaluation
Reserves

144.62

151.62

18.07

18.41

18.77

2,170.39

1,847.28

1,485.29

1,304.01

1,160.99

36,500.53

29,721.08

23,011.52

18,092.33

15,156.12

Borrowings

588.19

290.35

330.96

257.01

27.59

Total Debt

37,088.72

30,011.43

23,342.48

18,349.34

15,183.71

Other
Liabilities &
Provisions
Total
Liabilities

1,110.93

961.52

706.27

730.18

745.24

40,370.04

32,820.23

25,534.04

20,383.53

17,089.94

Mar '12

Mar '11

Mar '10

Mar '09

Mar '08

12 mths

12 mths

12 mths

12 mths

12 mths

Assets
Cash &
Balances
with RBI

1,571.84

1,828.19

1,390.95

997.73

973.65

Balance
with Banks,
Money at
Call

1,068.70

637.94

596.72

1,038.13

729

Net Worth
Deposits

Advances
Investment
s
Gross
Block
Accumulate
d
Depreciatio
n
Net Block
Capital
Work In
Progress
Other
Assets
Total
Assets

Contingent
Liabilities
Bills for
collection
Book Value
(Rs)

27,280.74

20,488.73

15,822.92

11,852.03

10,453.75

9,399.87

8,923.77

7,155.61

6,075.20

4,572.22

524.25

501.38

274.26

241.28

203.82

148.28

144.54

121.73

104.96

91.07

375.97

356.84

152.53

136.32

112.75

1.54

671.4

584.74

415.3

284.11

248.55

40,370.06

32,820.21

25,534.03

20,383.52

17,089.92

4,865.97

1,858.48

2,231.29

1,831.81

1,785.69

1,017.98

841.63

755.9

594.54

500.11

17.87

15

129.83

113.76

126.34

South
Indian
Bank

Previous
Years

Key
Financial
Ratios

Mar '12

Mar '11

Mar '10

Mar '09

Mar '08

Investment Valuation
Ratios
Face Value
Dividend
Per Share

10

10

10

0.6

0.5

Operating
Profit Per
Share (Rs)

4.46

3.61

31.08

22.2

21.12

Net
Operating
Profit Per
Share (Rs)

32.41

22.39

186.29

154.98

149.86

12.13

10.21

88.69

80.52

92.77

19.93

19.99

19.99

19.99

--

6.01

6.35

6.73

4.91

12

11.46

11.37

11.5

11.1

10.69

10.66

10.66

155.98

123.92

118.87

112.64

97.58

19.82

17.25

15.93

15.14

13.27

19.78

17.31

15.93

15.08

13.26

Free
Reserves
Per Share
(Rs)
Bonus in
Equity
Capital

Profitability Ratios
Interest
Spread
5.32
Adjusted
Cash
Margin(%)
11.32
Net Profit
Margin
10.52
Return on
Long Term
Fund(%)
Return on
Net
Worth(%)
Adjusted
Return on
Net
Worth(%)

Return on
Assets
Excluding
Revaluation
s

17.87

Return on
Assets
Including
Revaluation
s
19.14
Management
Efficiency Ratios

15

129.83

113.76

126.34

16.35

131.43

115.39

128.42

Interest
Income /
Total Funds

10.08

8.7

9.18

9.36

8.82

Net Interest
Income /
Total Funds

3.05

3.01

3.22

3.14

2.86

Non
Interest
Income /
Total Funds

0.39

0.36

0.35

0.4

0.44

Interest
Expended /
Total Funds

7.03

5.69

5.96

6.22

5.96

Operating
Expense /
Total Funds

1.66

1.61

1.69

1.8

1.62

Profit
Before
Provisions /
Total Funds

1.69

1.68

1.81

1.67

1.6

Net Profit /
Total Funds
Loans
Turnover

1.1

1.01

1.02

1.04

0.99

0.15

0.14

0.15

0.16

0.15

Total
Income /
Capital
Employed(
%)

10.47

9.06

9.53

9.76

9.26

Interest
Expended /
Capital
Employed(
%)

7.03

5.69

5.96

6.22

5.96

0.1

0.09

0.09

0.09

0.09

Total
Assets
Turnover
Ratios

Asset
Turnover
Ratio
Profit And Loss
Account Ratios
Interest
Expended /
Interest
Earned

7.01

5.05

7.68

7.26

6.65

71.49

67.66

70.64

69

69.9

Other
Income /
Total
Income

3.71

3.94

3.66

4.13

4.74

Operating
Expense /
Total
Income

15.89

17.75

17.69

18.42

17.49

Selling
Distribution
Cost
Compositio
n

0.35

0.34

0.36

0.31

0.26

Balance Sheet Ratios

Capital
Adequacy
Ratio
14
Advances /
Loans
Funds(%)
81.31

14.01

15.39

14.76

13.8

76.8

75.9

70.69

76.15

68.86

67.33

67.09

67.06

30.49

32.19

32.02

29.21

6.1

5.81

5.93

6.11

17.53

15.68

14.07

13.27

Debt Coverage Ratios

Credit
Deposit
Ratio
72.14
Investment
Deposit
Ratio
27.67
Cash
Deposit
Ratio
5.13
Total Debt
to Owners
Fund
18.02
Financial
Charges
Coverage
Ratio

0.25

0.31

0.32

0.28

1.28

Financial
Charges
Coverage
Ratio Post
Tax

1.17

1.19

1.18

1.18

1.18

Leverage Ratios
Current
Ratio

0.02

0.02

0.02

0.02

0.02

26.58

23.82

24.96

17.99

15.67

Quick Ratio

Cash Flow Indicator

Ratios
Dividend
Payout
Ratio Net
Profit
19.7

22.44

22.54

20.36

20.92

Dividend
Payout
Ratio Cash
Profit
Earning
Retention
Ratio

18.28

20.82

21.04

19

19.37

80.26

77.63

77.46

79.56

79.06

Cash
Earning
Retention
Ratio
AdjustedCa
sh Flow
Times

81.69

79.25

78.97

80.92

80.62

84.49

93.95

91.84

87.03

92.61

Mar '12

Mar '11

Mar '10

Mar '09

Mar '08

3.54

2.59

20.69

17.23

16.77

17.87

15

129.83

113.76

126.34

Earnings
Per Share
Book Value