2012

2011

2010

2009

2008

2007

Profit & Loss account (Rs. Mln)

Mark-up/ return earned
Mark-up/ return expensed
Fund based income
Fee, Commission, FX and Other Income
Dividend Income & Capital gains
Total income
Operating expenses
Operating profit before tax and provision
Provisions / write-offs
Profit before tax
Profit after tax
Cash Dividends
Bonus shares

68,356
27,500
40,856
7,131
2,022
50,009
17,665
32,345
291
32,054
20,941
11,959*
920*

68,147
23,620
44,526
6,373
1,739
52,639
16,987
35,651
4,168
31,483
19,425
10,036
836

54,821
17,988
36,834
5,310
956
43,099
13,160
29,938
3,685
26,253
16,873
8,743
760

51,616
15,837
35,779
4,409
1,234
41,422
10,801
30,620
7,465
23,155
15,495
7,602
691

40,044
11,561
28,483
4,537
1,255
34,275
8,365
25,910
4,042
21,868
15,375
7,225
628

31,787
7,866
23,921
3,891
2,120
30,369
6,000
24,369
3,061
21,308
15,266
7,854
-

Statement of Financial Position (Rs. Mln)

Authorised capital
Paid up capital
Reserves
Unappropriated Profit
Shareholders equity
Surplus on revaluation of assets - net of tax
Net Assets
Total Assets
Earning Assets
Gross Advances
Advances - net of provisions
Non-Performing Loans (NPLs)
Investments
Total Liabilities
Deposits & other accounts
Current & Saving Deposits (CASA)
Borrowings
Interest bearing Liabilities
Contingencies and Commitments

10,000
9,199
44,253
34,705
88,157
13,594
101,751
765,899
663,330
262,392
239,583
25,562
402,069
664,148
545,061
464,411
78,951
434,619
143,803

10,000
8,362
42,186
28,366
78,915
9,887
88,802
653,233
570,988
249,914
227,580
26,665
316,652
564,431
491,189
399,687
39,101
362,843
165,014

10,000
7,602
40,163
21,416
69,180
10,024
79,203
567,553
494,605
274,144
254,552
24,544
213,061
488,349
431,372
351,298
25,685
305,902
136,246

10,000
6,911
38,386
15,779
61,076
8,664
69,740
509,224
444,188
269,722
253,249
23,239
167,134
439,484
367,605
304,953
44,662
283,369
119,922

10,000
6,283
36,769
9,193
52,245
6,191
58,436
443,616
380,187
272,847
262,135
18,269
96,632
385,180
330,182
268,501
22,664
240,470
266,251

10,000
6,283
34,001
5,131
45,414
9,706
55,120
410,486
343,173
229,733
218,961
10,725
113,089
355,366
292,098
259,896
39,407
232,398
213,317

Profitability Ratios
Profit before tax ratio
Gross Yield on Average Earning Assets
Gross Yield on Avg. Earning Assets (incl. dividend & capital gains)
Gross Spread
Non interest income to total income
Return on average equity (ROE)
Return on average assets (ROA)
Return on Capital Employed (ROCE)
Cost to income ratio
Cost to income ratio (excluding pf reversal)

46.89%
11.08%
11.40%
59.77%
18.30%
25.07%
2.95%
25.07%
35.32%
40.36%

46.20%
12.79%
13.12%
65.34%
15.41%
26.23%
3.18%
26.23%
32.27%
36.43%

47.89%
11.68%
11.88%
67.19%
14.54%
25.91%
3.13%
25.91%
30.54%
38.01%

44.86%
12.52%
12.82%
69.32%
13.62%
27.35%
3.25%
27.35%
26.08%
35.55%

54.61%
11.07%
11.42%
71.13%
16.90%
31.49%
3.60%
31.49%
24.41%
40.16%

67.03%
10.00%
10.67%
75.26%
21.23%
37.66%
4.06%
37.22%
19.76%
38.75%

Rs. 22.77
Rs. 34.85
95.84
110.62

Rs. 21.12
Rs. 34.23
85.79
96.54

Rs. 18.34
Rs. 28.54
75.21
86.10

Rs. 16.85
Rs. 25.17
66.40
75.82

Rs. 16.71
Rs. 23.77
56.80
63.53

Rs. 16.6
Rs. 23.16
49.37
59.92

Asset Quality and Liquidity ratios

Gross Advances to deposits ratio
Net Advances to deposits ratio
Investments to deposits ratio
Weighted Average Cost of Deposits
CASA to total deposits
NPLs to Gross advances ratio
Coverage Ratio (specific provision/ NPLs)
Earning assets to total assets ratio
Earning assets to interest bearing Liabilities
Deposits to shareholder equity
Assets to Equity

48.14%
43.96%
73.77%
4.40%
85.20%
9.74%
87.55%
86.61%
1.53
6.18
8.69

50.88%
46.33%
64.47%
4.25%
81.37%
10.67%
82.02%
87.14%
1.57
6.22
8.28

63.55%
59.01%
49.39%
3.97%
81.44%
8.95%
77.13%
87.15%
1.62
6.24
8.20

73.37%
68.89%
45.47%
3.08%
82.96%
8.62%
67.47%
87.23%
1.57
6.02
8.34

82.64%
79.39%
29.27%
2.89%
81.32%
6.70%
54.17%
85.70%
1.58
6.32
8.49

78.65%
74.96%
38.72%
2.04%
88.98%
4.67%
68.31%
83.60%
1.48
6.43
9.04

Risk Adequacy (Rs. Mln)

Tier I Capital
Total Eligible Capital
Risk Weighted Assets (RWA)
Tier I to RWA
RWA to total assets
Capital Adequacy Ratio
Net Return on Average RWA

86,341
93,526
422,583
20.43%
55.17%
22.13%
5.24%

77,030
82,014
376,442
20.46%
57.63%
21.79%
5.50%

67,701
72,856
330,135
20.51%
58.17%
22.07%
5.06%

59,896
64,357
337,417
17.75%
66.26%
19.07%
4.65%

51,301
54,235
329,537
15.57%
74.28%
16.28%
4.82%

44,199
53,470
308,170
14.34%
75.07%
16.73%
5.80%

Investment ratios
Earnings per share (after tax)**
Earnings per share (before tax)**
Breakup value per share (excl. surplus on rev. of assets)**
Net assets per share**

Market Ratios
Cash Dividend
Bonus Shares Issued
Dividend Yield ratio (based on cash dividend)
Dividend Payout ratio
Price to book value ratio (excl. intangible assets)
Price to earning ratio
Dividend cover ratio
Share Information
Market value per share - Dec 31
High - during the year
Low - during the year
Market Capitalisation
Industry Share
Deposits
Advances
Total Assets
Market Capitalisation
Consolidated (Rs. Mln)
Total Assets
Shareholders Equity
Net Assets
Profit before tax
Profit after tax
Return on Average Assets
Return on Average Equity
Earnings per share***
Breakup value per share (excl. surplus on rev. of assets)**
Capital Adequacy Ratio
Per Branch (Rs. Mln)
Gross Advances
Deposits
CASA
PBT
Non-Financial Information (Absolute)
No. of accounts
No. of branches
No. of permanent employees
No. of ATMs
* This includes final cash dividend and bonus proposed by BOD.
** Adjusted for prior years to reflect bonus shares issued during the year.

130%
10.00%
6.20%
61.50%
2.19
9.21
1.75

120%
10.00%
8.92%
55.97%
1.43
6.37
1.76

115%
10.00%
5.03%
56.32%
2.78
12.46
1.59

110%
10.00%
5.01%
53.52%
3.02
13.04
1.53

115%
10.00%
9.14%
51.08%
2.02
7.53
1.45

125%
3.13%
51.45%
2.40
24.10
1.33

Rs. 209.76
Rs. 216.75
Rs. 133.00
192,950

Rs. 134.6
Rs. 250.48
Rs. 134.00
112,557

Rs. 228.54
Rs. 233.8
Rs. 173.04
173,740

Rs. 219.68
Rs. 244
Rs. 75.00
151,822

Rs. 125.81
Rs. 494.8
Rs. 125.81
79,044

Rs. 399.95
Rs. 434.6
Rs. 244.05
251,279

8.16%
6.80%
8.40%
23.58%

8.36%
7.16%
8.76%
20.40%

8.42%
7.85%
8.37%
24.10%

8.50%
8.24%
8.52%
22.35%

8.55%
8.63%
8.51%
18.59%

9.74%
9.53%
10.12%
17.50%

770,283
91,132
105,755
32,476
21,153
2.97%
24.50%
Rs. 23.00
99.07
22.16%

656,325
81,527
91,654
31,322
19,274
3.14%
25.24%
Rs. 20.95
88.63
21.88%

570,482
71,228
81,999
26,510
16,873
3.12%
25.12%
Rs. 18.34
77.43
22.04%

511,742
63,120
72,313
23,349
15,665
3.27%
26.72%
Rs. 17.03
68.62
19.10%

445,286
54,121
60,132
21,887
15,323
3.57%
30.21%
Rs. 16.66
58.84
16.37%

412,901
47,338
57,547
22,526
16,442
4.35%
39.27%
Rs. 17.87
51.46
16.69%

221.06
459.19
391.25
27.00

213.06
418.75
340.74
26.84

242.18
381.07
310.33
23.19

249.51
340.06
282.1
21.42

257.40
311.49
253.3
20.63

223.91
284.70
253.31
20.77

4,931,631
1,187
10,612
680

4,687,993
1,173
10,090
676

4,239,487
1,132
9,583
493

3,893,531
1,081
9,397
495

3,915,009
1,060
10,160
370

3,902,140
1,026
9,721
349