Group No.

10
Avanika Vashistha
Dharm Mehta
Kumar Jain
Poonam Mundada
Sybil DAlmeida

Vishal Kamani

DEPOSITS RATIO

DEPOSITS MIX
2011
demand
deposits
savings deposits
term deposits

2010

2011

32162.3

36907.54

33861.8

40850.31

75254.56

111408.6

141278.7

189166.4

Demand Deposits
Savings Deposits
Term Deposits
Total Deposits

2010 %

2011 %

Cost of Borrowings (up- axis, down- hdfc)

Quarterly Disclosures For the Current FY 2010-2011

Yearly Disclosure Under Basel II Framework

31/3/2011 31/3/2010 31/3/2009

30/06/2011

30/09/2011

Tier I Capital

9.41%

11.18%

9.26%

Tier I Capital

9.36%

8.48%

Tier II Capital

3.24%

4.62%

4.43%

Tier II Capital

3.17%

2.87%

Capital Adequacy Ratio

12.65%

15.80%

13.69%

Capital Adequacy Ratio

12.53%

11.35%

Peer Comparison for the year ended 31st March 2011

Axis Bank

HDFC Bank

ICICI Bank

SBI

Bank of Baroda

Tier I Capital

9.41%

12.33%

12.72%

7.77%

9.99%

Tier II Capital

3.24%

4.12%

7.20%

4.21%

4.53%

Capital Adequacy Ratio

12.65%

16.45%

19.92%

11.98%

14.52%

NPA Management
2007

2008

2009

2010

2011

Gross NPAs

418.67

494.61

897.77

1318

1599.42

Net NPAs

266.33

248.29

327.13

419

410.35

As a % of Net
Advances

0.72%

0.42%

0.40%

0.40%

0.29%

% of Net Advances
0.8
0.6
% of Net
Advances

0.4
0.2
0
2007

2008

2009

2010

2011

SLR securities and Market Performance

SLR securities

(in thousands)
6,286,333

27,820,350

19,349,123

500
450
400
350
300
250
200
150
100
50
0

2007

2008
Axis

HDFC

2009
ICICI

2010

2011

Kotak Mahindra

Sensex

Stock Price

01-Dec

01-Aug

01-Apr

01-Dec

01-Apr

10

01-Aug

20

01-Apr

30

01-Dec

40

01-Aug

50

01-Apr

60

01-Apr

70

Price v/s
Sensex

01-Dec

EPS

80

8,471,227

01-Aug

90

13,062,790

01-Dec

Additions during the year

19,349,123

01-Aug

Opening Balance

Ratios and Du-Pont Analysis

EPS

2007
23.29

2008
29.84

2009
50.64

2010
61.23

2011
81.58

P/E
P/BV

21.04
4.28

26.17
3.31

8.19
1.53

19.09
3.08

17.21
3.19

2010

2011

DUPONT ANALYSIS

DuPont Analysis
Net Profit Margin

15.90%

16.89%

Operating Income/Beginning Capital

10.94%

11.41%

Equity Multiplier

12.60

12.18

ROA (NPM*YIELD ON ASSETS)

1.74%

1.93%

21.92%

23.46%

ROE

Advances

Advances
Sectorwise
Advances

Retail Loan
20%

160000
142407.83
140000
120000
104340.95

100000

Corporate
Advances
53%

81556.77

80000
60000
40000

Agriculture
12%

59475.99

SME
15%

36876.46

20000
0
2007

2008

2009

2010

2011

Corporate Advances
SME
Agriculture
Retail Loan

2011
75922
21406
17320
27759

2010
52,504
18269
12746
20822