2011

= 1. Current Ratio= Current Assets / Current Liabilities

2. Acid test ratio = (Current assetsInvestment)/Current liabilities

3. Proprietary Ratio= Proprietors Fund / Total Assets

4. Capital Gearing Ratio = Fixed income bearing securities /Non fixed income bearing securities

5. Debt Equity Ratio = Long term debts / Shareholders Funds Long term Debts = Debentures + Loans or Mortgage OR Long Term Debts = Total Debts Current Liabilities 6. Fixed Assets Ratio = Fixed Assets / Long term funds

7. Return on Capital Employed = NPBIT / Capital Employed100 8. Return on Proprietors Funds = NPAT / Proprietors Funds100 9. Return on Equity Share capital = NPATPref.Dividend / Equity share capital 10. Earnings per share = NPAT- Pref. Dividend / No of Equity Shares 11. Dividend / Payout Ratio = Divi. Per Equity share / EPS 12. Divi. Yield Ratio = Divi. Per share / Mkt price per share

13. Price Earning Ratio = Mkt. Price Per Share / EPS 14. Debt Service Ratio = NPBIT / Interest 15. Operating return on assets = Operating income/Total assets 16. Return on assets = Net income/Total assets 17. Return on equity = Net income/Shareholders' equity
18.Proprietary Ratio = Shareholder's Funds or Proprietor's Fund/ Total Assets 19.Debt Total Fund Ratio = Long Term Debts /Total Long Term Funds Total Funds Term Fund = shareholder's Funds + Long Term Debts
20. Return on Net Assets (RONA) = Net Income/(Fixed Assets + Working Capital)

21. Return on Capital (ROC) = EBIT (1-Tax Rate)/Invested Capital 22. Efficiency Ratio = Non Interest Expense/Revenue 23. Net Gearing = Net Debt/Equity 24. Basic Earning Power Ratio = EBIT/Total Assets

25. Payout Ratio = Dividends/Earnings or EPS 26. P/E Ratio = Market Value per Share/Earnings per Share (EPS) 27. Cash Flow Ratio = Market Price per Share/Present Value of Cash Flow per Share

28. Price to Book Value Ratio = Market Price per Share/Balance Sheet Price per Share

29. Operating Cash Flow Ratio = Operating Cash Flow/Total Debts 30. Long-term Debt to Equity = Long-term Debt/Total Assets

31. Times Interest Earned Ratio = Net Income/Annual Interest Expense 32. Debt Service Coverage = Net Operating Income/Total Debt Service 33.Equity Ratio= Equity/Total Assets*100 34.Book value per share = Common equity/ No. of share outstanding 35.LIQUIDITY SECURITY= {[NET LOANS (CASH + GOVT. SECURITY)]/ TOTAL ASSET} * 100

36.NET NON-INTEREST MARGIN= [(NON INTEREST REVENUE- NON INTEREST EXPENSE)/ TOTAL ASSET] * 100 37.NET BANK OPERATING MARGIN= [(TOTAL OPERATING REVENUE- TOTAL OPERATING EXPENSE)/ TOTAL ASSET] * 100 38.EARNING SPREAD= (TOTAL INTEREST INCOME/TOTAL EARNING ASSET) (TOTAL INTEREST EXPENSE/ TOTAL INTEREST BEARING BANK LIABILITIES) 39.EMPLOYEE PRODUCTIVITY= NET OPERATING INCOME/ NO OF EMPLOYEE 40.CREDIT RISK= (NON PERFORMING ASSET OR CLASSIFIED LOAN/ TOTAL LOANS & LEASE) * 100