CAMEL model

Capitalization Ratios(Capital
Adequcay)
Capital Adequacy Ratio:
At March 31,2011 At March 31,2012 At March 31,2013
Tier-1 CAR

13.2%

12.68%

12.80%

Tier-2 CAR

6.3%

5.84%

5.94%

Total CAR

19.5%

18.52%

18.74%

Debt-Equity Ratio:

At March 31,2011 At March 31,2012 At March 31,2013

Total
Debt/Equity(x)

0.07

0.08

0.09

Asset Quality

Earning Quality

 ROA(Return on Assets)
At March 31,2011 At March 31,2012 At March 31,2013
ROA(%)

1.34

1.44

1.66

ROE(Return on Equity)
At March 31,2011 At March 31,2012 At March 31,2013
ROE(%)

9.58

11.09

12.94

 Earnings per share (in Rs)

At March 31,2011 At March 31,2012 At March 31,2013
EPS

45.27

56.11

1.66

Book value per share

At March 31,2011 At March 31,2012 At March 31,2013
BVPS

478.31

524.03

578.25

Management Efficiency
Cost to income
At March 31,2011 At March 31,2012 At March 31,2013
Cost to income(%)

41.95

42.91

40.49

Fee to income
At March 31,2011 At March 31,2012 At March 31,2013
Fee to income
(%)

41.18

36.86

31.11

 Interest Income / Total Funds

At March 31,2011 At March 31,2012 At March 31,2013
Cost to income(%)

8.41

9.07

7.93

Net Interest Income / Total Funds

At March 31,2011 At March 31,2012 At March 31,2013
Cost to income(%)

4.01

3.89

2.74

Non Interest Income / Total Funds

At March 31,2011 At March 31,2012 At March 31,2013
Cost to income(%)

--

0.03

1.65

 Operating Expense / Total Funds

At March 31,2011 At March 31,2012 At March 31,2013
2.09

1.89

1.69

Total Income / Capital Employed(%)

At March 31,2011 At March 31,2012 At March 31,2013

8.41

9.10

9.58

Loans Turnover
At March 31,2011 At March 31,2012 At March 31,2013
0.34

0.18

0.34

Liquidity Ratios
Current Ratio(x)
At March 31,2011 At March 31,2012 At March 31,2013
0.60

0.62

0.59

Quick Ratio(x)
At March 31,2011 At March 31,2012 At March 31,2013
48.56

54.86

49.67

Loans/Deposits(x)
At March 31,2011 At March 31,2012 At March 31,2013
0.49

0.55

0.50

Indian banks: performance

benchmarking

Cost to Income Ratio

Asset Quality