Professional Documents
Culture Documents
Man 23
Man 23
PART 2
AXIS BANK
COMPANY PROFILE
Axis Bank, formerly UTI Bank, is Indias third largest private-sector bank after the significantly large
ICICI Bank and HDFC Bank. It is engaged in Large & Mid Corporate Banking, Retail Banking, SME
banking, Agri-business banking, International Banking, treasury etc. It has the largest EDC (Electronic
Data Capturing Machines) network, the third largest ATM network and the fourth largest base of
debit cards in India. It also has overseas branches at Singapore, Hong Kong and Dubai; and
representative offices at Shanghai and Dubai. It has advance and cutting edge technology. Since its
inception,Axis Bank has been jointly promoted by UTI-I, LIC, GIC and four other PSU insurance
companies, i.e. National Insurance Company Ltd., The New India Assurance Company Ltd., The
Oriental Insurance Company Ltd. and United India Insurance Company Ltd.
Management - Axis Bank
Name Designation
Sanjiv Misra
K N Prithviraj
Director
S B Mathur
Director
R N Bhattacharyya
Director
A K Dasgupta
Director
V Srinivasan
Executive Director
Ireena Vittal
Name Designation
Shikha Sharma Managing Director & CEO
V R Kaundinya Director
Prasad R Menon
Director
Director
Somnath Sengupta
Executive Director
Rohit Bhagat
Mar '11
Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
413.20
410.55
405.17
359.01
357.71
413.20
410.55
405.17
359.01
357.71
0.00
0.00
0.17
1.21
2.19
0.00
0.00
0.00
0.00
0.00
Reserves
22,395.34 18,588.28
15,639.27
9,854.58
8,410.79
Revaluation Reserves
0.00
0.00
0.00
0.00
Net Worth
22,808.54 18,998.83
16,044.61
10,214.80
8,770.69
Deposits
220,104.30189,237.80
141,300.22
117,374.11
87,626.22
Borrowings
34,071.67 26,267.88
17,169.55
10,185.48
5,624.04
Total Debt
254,175.97215,505.68
158,469.77
127,559.59
93,250.26
8,643.27
6,133.46
9,947.67
7,556.90
Total Liabilities
285,627.78242,713.37
180,647.84
147,722.06
109,577.8
Mar '12
Mar '11
Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
0.00
8,208.86
Assets
Cash & Balances with RBI
10,702.92 13,886.16
9,473.88
9,419.21
7,305.66
3,230.99
5,732.56
5,597.69
5,198.58
7,522.49
Advances
169,759.54142,407.83
104,343.12
81,556.77
59,661.14
Investments
93,192.09 71,991.62
55,974.82
46,330.35
33,705.10
Gross Block
3,583.67
3,426.49
2,107.98
1,741.86
1,384.70
Accumulated Depreciation
1,395.12
1,176.03
942.79
726.45
590.33
Net Block
2,188.55
2,250.46
1,165.19
1,015.41
794.37
70.77
22.69
57.24
57.48
128.48
Other Assets
6,482.93
4,632.12
3,901.06
3,745.15
2,784.51
Total Assets
285,627.79242,713.37
180,647.87
147,722.06
109,577.8
Contingent Liabilities
449,976.11429,069.63
296,125.58
104,428.39
78,028.44
64,895.87 57,400.80
35,756.32
29,906.04
16,569.95
551.99
395.99
284.50
245.13
462.77
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
Interest Earned
21,994.6515,154.81
11,638.02
10,835.49
7,005.32
Other Income
5,420.22 4,632.13
3,945.78
2,896.88
1,750.59
Total Income
27,414.8719,786.94
15,583.80
13,732.37
8,755.91
Interest expended
13,976.908,591.82
6,633.53
7,149.27
4,419.96
Employee Cost
2,080.17 1,613.90
1,255.82
997.66
670.25
2,478.47 2,406.59
2,443.05
1,572.83
952.61
Income
Expenditure
Depreciation
342.24
Miscellaneous Expenses
289.59
234.32
188.67
158.11
4,294.88 3,496.55
2,502.55
2,008.57
1,483.94
0.00
0.00
0.00
0.00
Operating Expenses
6,867.53 5,734.55
5,066.76
3,590.42
2,454.03
2,328.23 2,072.08
1,368.98
1,177.31
810.88
Total Expenses
23,172.6616,398.45
13,069.27
11,917.00
7,684.87
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
4,242.21 3,388.49
2,514.53
1,815.36
1,071.03
Extraordionary Items
0.00
0.00
0.00
0.00
4,969.77 3,427.43
2,348.09
1,553.87
1,029.07
Total
9,211.98 6,815.92
4,862.62
3,369.23
2,100.10
Preference Dividend
0.00
0.00
0.00
0.00
0.00
Equity Dividend
770.07
670.36
567.45
420.52
251.64
0.00
0.00
0.00
0.00
0.00
102.67
82.54
62.06
50.57
29.94
160.00
140.00
120.00
100.00
60.00
551.99
462.77
395.99
284.50
245.13
1,112.46 836.95
867.43
600.62
294.60
0.00
338.84
0.31
0.00
-0.01
770.07
670.36
567.45
420.52
251.64
7,329.45 4,969.77
3,427.43
2,348.09
1,553.87
Total
9,211.98 6,815.92
4,862.62
3,369.23
2,100.10
0.00
0.00
Appropriations
Mar
'12
Mar '11
Mar '10
Mar '09
Mar '08
10.00 10.00
10.00
10.00
10.00
16.00 14.00
12.00
10.00
6.00
157.89129.26
97.29
83.56
56.88
654.06471.17
380.27
377.46
244.63
431.32373.06
325.87
230.47
208.03
--
--
--
--
--
Interest Spread
3.91
3.73
3.95
4.24
3.77
16.69 18.71
17.63
14.76
14.19
15.51 17.20
16.10
13.31
12.22
88.75 72.29
66.34
97.35
71.17
18.59 17.83
15.67
17.77
12.21
18.51 17.87
15.69
17.85
12.38
551.99462.77
395.99
284.50
245.13
551.99462.77
395.99
284.50
245.13
10.23 9.14
9.38
10.53
9.57
4.94
5.34
4.98
4.74
Profitability Ratios
5.08
0.12
0.17
0.12
0.06
0.02
5.29
4.06
4.04
5.56
4.83
2.47
2.57
2.94
2.64
2.51
2.46
2.54
2.38
2.25
2.07
1.61
1.60
1.53
1.41
1.17
Loans Turnover
0.17
0.16
0.17
0.19
0.18
10.35 9.30
9.51
10.60
9.59
5.29
4.06
4.04
5.56
4.83
0.10
0.09
0.09
0.11
0.10
0.11
0.09
0.10
0.11
6.32
63.55 56.69
57.00
65.98
63.09
1.14
1.30
0.60
0.16
23.87 27.65
30.96
24.95
26.20
0.32
0.30
0.34
0.85
1.78
0.40
13.66 12.65
15.80
13.69
13.73
72.29 76.16
72.96
73.87
75.89
76.26 74.65
71.87
68.89
65.94
40.35 38.71
39.55
39.04
41.39
6.01
7.07
7.30
8.16
8.17
9.65
9.96
8.81
11.49
9.99
0.49
0.66
1.62
1.43
1.46
1.33
1.43
1.41
1.28
1.28
0.03
0.02
0.03
0.03
0.03
Leverage Ratios
Current Ratio
Quick Ratio
21.63 19.60
19.19
9.52
9.23
18.15 19.78
22.56
23.16
23.49
16.79 18.22
20.64
20.98
20.47
81.77 80.26
77.47
76.94
76.84
83.13 81.81
79.39
79.11
79.78
48.22 51.35
51.33
58.33
70.42
Mar
'12
Mar '10
Mar '09
Mar '08
Mar '11
102.6782.54
62.06
50.57
29.94
Book Value
551.99462.77
395.99
284.50
245.13
KOTAK MAHINDRA
COMPANY PROFILE
Management - Kotak Mahindra
Name Designation
Prakash Apte
Director
N P Sarda
Director
Uday Kotak
Dipak Gupta
S Mahendra Dev
Additional Director
Name Designation
Amit Desai
Director
Shankar Acharya
C Jayaram
Asim Ghosh
Director
Mar '11
Mar '10
Mar '09
12 mths 12 mths
12 mths
12 mths
12 mths
373.30
370.34
368.44
348.14
345.67
373.30
370.34
368.44
348.14
345.67
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Reserves
9,091.19 7,610.41
6,464.95
4,191.78
3,559.86
Revaluation Reserves
0.00
0.00
0.00
0.00
Net Worth
9,464.49 7,980.75
6,833.39
4,539.92
3,905.53
Deposits
51,028.7738,536.52
29,260.97
23,886.47
15,644.93
Borrowings
20,410.6216,595.52
11,723.95
6,140.51
5,904.07
Total Debt
71,439.3955,132.04
40,984.92
30,026.98
21,549.00
2,789.81 2,553.67
3,032.36
2,869.42
3,257.34
Total Liabilities
83,693.6965,666.46
50,850.67
37,436.32
28,711.87
Mar '11
Mar '10
Mar '09
12 mths 12 mths
12 mths
12 mths
12 mths
2,207.90 2,016.49
2,107.72
2,085.67
995.35
1,481.26 618.06
363.26
214.59
145.32
0.00
Assets
Advances
48,468.9839,079.23
29,329.31
20,775.05
16,625.34
Investments
28,873.4321,566.81
17,121.44
12,512.66
9,110.18
Gross Block
464.42
955.41
831.80
745.34
460.61
Accumulated Depreciation
0.00
505.45
406.20
317.69
247.25
Net Block
464.42
449.96
425.60
427.65
213.36
0.00
0.00
0.00
0.00
0.00
Other Assets
2,197.69 1,935.91
1,503.33
1,420.69
1,622.33
Total Assets
83,693.6865,666.46
50,850.66
37,436.31
28,711.88
Contingent Liabilities
22,830.8117,319.52
12,291.30
4,156.15
4,486.28
6,470.50 6,166.00
4,470.06
3,063.64
1,188.17
126.77
92.74
130.40
112.98
107.75
Mar '11
Mar '10
Mar '09
12 mths 12 mths
12 mths
12 mths
12 mths
Interest Earned
8,042.496,180.24
4,303.56
3,255.62
3,065.14
Other Income
1,160.66848.42
507.56
420.97
157.56
Total Income
9,203.157,028.66
4,811.12
3,676.59
3,222.70
Interest expended
4,836.823,667.75
2,058.49
1,397.48
1,546.60
Employee Cost
1,075.14902.36
783.83
583.48
583.63
0.00
487.82
648.07
552.91
Depreciation
132.53 116.76
98.27
90.00
69.56
Income
Expenditure
542.71
Miscellaneous Expenses
1,797.95714.03
564.53
396.47
193.91
0.00
0.00
0.00
0.00
Operating Expenses
2,209.731,754.66
1,528.58
1,447.42
1,333.60
795.89 521.20
405.87
270.60
66.41
Total Expenses
7,842.445,943.61
3,992.94
3,115.50
2,946.61
Mar '11
Mar '10
Mar '09
12 mths 12 mths
12 mths
12 mths
12 mths
1,360.721,085.05
818.18
561.11
276.10
Extraordionary Items
0.00
0.00
2.01
0.00
2,162.791,494.52
965.91
648.94
528.17
Total
3,523.512,579.57
1,784.09
1,212.06
804.27
Preference Dividend
0.00
0.00
0.00
0.00
0.00
Equity Dividend
52.38
44.49
36.88
29.66
25.96
7.29
7.22
4.37
0.00
1.86
18.23
14.65
11.10
16.12
7.99
14.00
12.00
10.00
8.50
7.50
126.77 107.75
92.74
130.40
112.98
379.20 310.81
207.41
188.43
113.70
68.04
54.26
40.91
28.06
13.80
59.67
51.71
41.25
29.66
27.82
3,016.602,162.79
1,494.52
965.91
648.94
Total
3,523.512,579.57
1,784.09
1,212.06
804.26
0.00
0.00
Appropriations
Mar
'13
Mar '12
Mar '11
Mar '10
Mar '09
Face Value
5.00
5.00
5.00
10.00
10.00
0.70
0.60
0.50
0.85
0.75
15.11 23.31
16.97
25.88
13.08
107.7294.94
64.31
105.01
94.39
--
87.75
76.84
102.80
89.63
49.55 49.94
50.20
53.13
53.51
Interest Spread
--
6.83
8.11
8.31
16.22 17.04
19.26
17.76
10.45
14.78 15.39
17.19
15.23
8.35
65.48 65.99
47.50
48.71
50.50
14.37 13.59
11.97
12.35
7.06
14.37 13.58
11.97
12.42
7.06
126.77107.75
92.74
130.40
112.98
126.77107.75
92.74
130.40
112.98
10.77 12.07
10.74
11.05
11.44
Profitability Ratios
6.36
4.29
5.78
6.07
6.83
6.02
1.55
0.02
0.04
0.08
0.15
6.48
6.30
4.66
4.23
5.42
2.78
2.81
3.24
4.10
4.43
2.89
2.79
2.65
2.53
1.49
1.82
1.86
1.85
1.70
0.97
Loans Turnover
0.41
0.21
0.19
0.20
0.20
12.32 12.09
10.78
11.13
11.59
6.48
6.30
4.66
4.23
5.42
0.11
0.12
0.11
0.11
0.11
0.11
0.13
0.12
0.12
0.13
60.14 59.35
47.83
42.93
50.46
12.61 0.20
0.40
0.71
1.27
22.57 23.25
30.06
36.87
38.25
--
2.17
1.47
2.04
1.86
16.05 17.52
19.92
18.35
20.01
--
82.60
80.56
77.16
81.32
43.63 100.90
94.27
94.61
100.34
56.32 57.06
55.76
54.70
56.92
4.72
6.08
7.89
7.79
8.44
5.39
4.83
4.28
5.26
4.01
0.47
0.47
0.62
1.66
1.32
1.31
1.33
1.45
1.47
1.22
Leverage Ratios
Current Ratio
0.94
Quick Ratio
0.05
0.05
0.05
0.09
18.95 16.85
10.86
8.46
5.91
4.38
4.76
5.04
5.28
10.07
3.99
4.30
4.50
4.55
8.04
95.62 95.24
94.96
94.75
89.92
96.01 95.70
95.50
95.47
91.95
34.17 32.08
31.93
36.52
45.30
Mar
'13
Mar '11
Mar '10
Mar '09
Mar '12
18.23 14.65
11.10
16.12
7.99
Book Value
126.77107.75
92.74
130.40
112.98
IDFC BANK
Management - IDBI Bank
Name Designation
R M Malla
Independent Director
Ninad Karpe
Independent Director
Name Designation
B K Batra
P S Shenoy
Independent Director
Government Director
Mar '11
Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
1,278.38
984.57
724.86
724.78
724.76
1,278.38
984.57
724.86
724.78
724.76
0.00
0.99
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Reserves
16,295.61 11,686.25
7,502.26
6,719.52
6,075.13
Revaluation Reserves
1,853.93
1,937.72
1,979.56
2,022.07
Net Worth
19,427.92 14,567.58
10,164.84
9,423.86
8,821.96
Deposits
210,492.56180,485.79
167,667.08
112,401.01
72,997.98
Borrowings
53,477.64 51,569.65
47,709.48
44,417.04
38,612.55
Total Debt
263,970.20232,055.44
215,376.56
156,818.05
111,610.5
7,439.12
8,030.62
6,160.40
10,261.89
Total Liabilities
290,837.24253,376.79
233,572.02
172,402.31
130,694.3
Mar '12
Mar '11
Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
1,895.77
6,753.77
Assets
Cash & Balances with RBI
15,090.21 19,559.05
13,903.47
8,590.82
6,694.83
2,967.44
679.36
2,628.50
2,063.94
1,207.03
Advances
181,158.43157,098.07
138,201.85
103,428.34
82,212.69
Investments
83,175.36 68,269.18
73,345.46
50,047.60
32,802.93
Gross Block
4,548.74
4,375.10
4,085.27
3,873.95
3,894.76
Accumulated Depreciation
1,554.43
1,405.82
1,250.35
1,127.40
1,173.59
Net Block
2,994.31
2,969.28
2,834.92
2,746.55
2,721.17
24.50
68.06
162.04
77.56
44.80
Other Assets
5,426.98
4,206.13
4,444.91
4,882.96
4,154.02
Total Assets
290,837.23253,376.80
233,572.01
172,402.33
130,694.3
Contingent Liabilities
122,965.13108,278.85
101,597.45
96,523.34
89,811.14
31,232.30 29,995.93
26,695.59
20,053.80
14,226.75
137.47
113.50
102.71
93.82
128.69
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
Interest Earned
23,369.9318,600.82
15,272.63
11,631.63
8,020.84
Other Income
2,009.54 2,103.56
2,341.96
1,475.72
1,751.26
Total Income
25,379.4720,704.38
17,614.59
13,107.35
9,772.10
Interest expended
18,825.0814,271.93
13,005.22
10,305.72
7,364.41
Employee Cost
1,160.44 1,026.50
756.99
569.24
384.61
1,598.62 1,830.00
720.90
504.21
365.50
Depreciation
116.06
90.98
52.70
83.50
Income
Expenditure
127.04
Miscellaneous Expenses
1,784.92 1,798.60
2,009.37
816.93
844.62
0.00
0.00
0.00
0.00
Operating Expenses
3,567.82 3,509.84
2,067.76
1,481.66
1,092.36
1,092.22 1,272.30
1,510.48
461.42
585.87
Total Expenses
23,485.1219,054.07
16,583.46
12,248.80
9,042.64
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
1,894.34 1,650.32
1,031.13
858.54
729.46
Extraordionary Items
137.25
0.00
0.00
0.00
0.00
615.02
470.40
71.20
21.04
1,314.90
Total
2,646.61 2,120.72
1,102.33
879.58
2,044.36
Preference Dividend
0.00
0.00
0.00
0.00
0.00
Equity Dividend
388.68
344.60
217.46
181.20
144.95
60.33
55.27
31.47
30.79
22.27
14.82
16.76
14.23
11.85
10.06
35.00
35.00
30.00
25.00
20.00
137.47
128.69
113.50
102.71
93.82
774.95
514.55
283.00
346.39
256.10
750.01
600.00
100.00
250.00
1,600.00
449.01
399.87
248.93
211.99
167.22
672.65
606.30
470.40
71.20
21.04
Total
2,646.62 2,120.72
1,102.33
879.58
2,044.36
0.00
Appropriations
Mar
'12
Mar '11
Mar '10
Mar '09
Mar '08
10.00 10.00
10.00
10.00
10.00
3.50
3.00
2.50
2.00
23.65 24.23
28.72
12.88
10.85
197.91203.54
235.40
174.79
126.38
102.2993.88
77.72
70.83
66.69
19.15 24.86
33.77
33.77
33.77
Interest Spread
3.03
2.77
2.14
2.88
1.76
7.92
8.76
6.48
7.02
8.73
7.99
8.12
5.95
6.71
7.84
124.19131.48
174.83
151.49
120.38
11.56 13.02
12.53
11.53
10.72
10.78 13.04
12.55
11.35
10.71
137.47128.69
113.50
102.71
93.82
151.97147.95
140.23
130.02
121.72
9.36
8.30
8.49
8.47
7.95
2.40
2.39
2.02
1.58
1.56
3.50
Profitability Ratios
0.04
0.11
0.13
0.08
0.12
6.97
5.91
6.47
6.89
6.39
1.28
1.40
0.98
0.96
0.88
1.11
1.05
1.12
0.67
0.73
0.70
0.68
0.51
0.57
0.63
Loans Turnover
0.15
0.14
0.14
0.14
0.13
9.40
8.41
8.61
8.55
8.07
6.97
5.91
6.47
6.89
6.39
0.09
0.08
0.08
0.08
0.08
0.10
0.08
0.09
0.09
2.35
80.55 76.73
85.15
88.60
91.82
0.40
1.46
0.89
1.49
13.59 16.66
11.42
11.18
10.85
0.10
0.26
0.38
0.27
1.33
0.23
14.58 13.64
11.31
11.57
11.95
73.04 70.22
74.26
77.06
83.31
86.52 84.82
86.28
100.13
124.35
38.73 40.68
44.06
44.69
50.26
8.86
8.03
8.24
10.40
11.98 14.24
20.38
15.10
10.74
0.17
0.19
1.18
1.10
1.13
1.11
1.12
1.09
1.09
1.11
0.02
0.02
0.03
0.04
0.05
9.61
Leverage Ratios
Current Ratio
Quick Ratio
27.11 26.78
19.49
18.98
9.07
22.10 24.23
24.14
24.69
22.92
20.90 22.49
22.18
23.26
20.56
76.32 75.81
75.90
74.93
77.06
77.69 77.54
77.85
76.40
79.42
104.62101.39
149.23
125.17
89.88
Mar
'12
Mar '10
Mar '09
Mar '08
Mar '11
14.82 16.76
14.23
11.85
10.06
Book Value
137.47128.69
113.50
102.71
93.82
Chairman
Director
Additional Director
Name Designation
Romesh Sobti Managing Director & CEO
Ajay Hinduja
Director
Ashok Kini
Director
Vijay Vaid
Additional Director
Y M Kale
Alternate Director
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
467.70
465.97
410.65
355.19
320.00
467.70
465.97
410.65
355.19
320.00
10.95
7.98
2.20
1.15
0.51
0.00
0.00
0.00
0.00
0.00
Reserves
4,043.72 3,350.92
1,752.75
1,072.42
789.39
Revaluation Reserves
219.34
231.63
235.63
239.81
Net Worth
4,741.71 4,050.22
2,397.23
1,664.39
1,349.71
Deposits
42,361.5534,365.37
26,710.17
22,110.25
19,037.42
Borrowings
8,682.01 5,525.42
4,934.29
1,856.46
1,095.43
Total Debt
51,043.5639,890.79
31,644.46
23,966.71
20,132.85
1,810.80 1,694.83
1,327.83
1,983.58
1,779.31
Total Liabilities
57,596.0745,635.84
35,369.52
27,614.68
23,261.87
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
2,903.58 2,456.04
2,099.18
1,190.79
1,526.26
2,636.05 1,568.56
504.00
732.90
651.77
225.35
Assets
Advances
35,063.9526,165.65
20,550.59
15,770.64
12,795.31
Investments
14,571.9513,550.81
10,401.84
8,083.41
6,629.70
Gross Block
1,082.79 971.26
1,054.02
1,006.65
969.93
Accumulated Depreciation
468.70
399.20
427.02
397.41
354.41
Net Block
614.09
572.06
627.00
609.24
615.52
42.70
24.41
17.83
13.95
9.63
Other Assets
1,763.75 1,298.32
1,169.08
1,213.75
1,033.70
Total Assets
57,596.0745,635.85
35,369.52
27,614.68
23,261.89
Contingent Liabilities
99,523.5479,647.25
45,317.82
42,279.08
28,301.60
9,817.74 7,860.30
5,895.67
2,020.09
4,441.53
96.50
52.71
40.21
34.69
81.95
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
Interest Earned
5,359.193,589.36
2,706.99
2,309.47
1,920.23
Other Income
1,011.78713.66
553.48
456.25
297.58
Total Income
6,370.974,303.02
3,260.47
2,765.72
2,217.81
Interest expended
3,654.952,212.86
1,820.58
1,850.44
1,579.86
Employee Cost
485.47 382.65
290.56
187.14
121.90
434.62 390.46
313.90
279.33
173.18
Depreciation
74.96
45.29
44.17
40.16
Miscellaneous Expenses
918.37 679.17
439.84
256.30
227.66
Income
Expenditure
60.55
0.00
Operating Expenses
0.00
0.00
0.00
0.00
1,485.581,169.72
867.28
672.32
463.10
427.84 343.11
222.31
94.62
99.80
Total Expenses
5,568.373,725.69
2,910.17
2,617.38
2,142.76
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
802.61 577.33
350.31
148.34
75.05
Extraordionary Items
0.00
0.00
0.00
0.00
714.36 391.51
247.00
242.99
0.00
Total
1,516.97968.84
597.31
391.33
75.05
Preference Dividend
0.00
0.00
0.00
0.00
Equity Dividend
102.89 93.23
73.88
44.71
19.19
16.69
15.12
12.27
7.60
3.26
17.17
12.39
8.53
4.18
2.35
22.00
20.00
18.00
12.00
6.00
96.50
81.95
52.71
40.21
34.69
0.00
0.00
Appropriations
Transfer to Statutory Reserves
209.80 146.12
119.64
92.02
21.00
0.00
0.00
0.00
0.00
119.58 108.35
86.15
52.31
22.45
1,187.59714.36
391.51
247.00
31.60
Total
1,516.97968.84
597.30
391.33
75.05
0.01
Mar
'12
Mar '11
Mar '10
Mar '09
Mar '08
10.00 10.00
10.00
10.00
10.00
2.20
1.80
1.20
0.60
18.76 15.33
11.13
4.77
0.24
127.1186.65
75.51
74.59
62.87
71.53 61.43
34.33
23.90
20.55
--
--
--
--
--
Interest Spread
5.34
6.42
6.07
4.97
4.12
13.76 14.90
13.03
7.97
5.32
12.59 13.43
10.63
5.29
3.45
107.4381.10
110.36
147.69
152.76
17.79 15.12
16.19
10.39
6.76
17.77 15.20
17.76
12.53
6.82
96.50 81.95
52.71
40.21
34.69
101.1986.79
58.35
46.85
42.19
11.56 10.02
9.91
10.51
9.15
4.45
4.09
3.16
1.96
2.00
Profitability Ratios
4.53
0.83
0.65
0.63
0.60
0.75
7.11
5.49
5.82
7.34
7.19
2.74
2.75
2.63
2.49
1.92
2.40
2.27
1.94
1.10
0.60
1.56
1.43
1.12
0.59
0.34
Loans Turnover
0.19
0.17
0.17
0.19
0.17
12.40 10.67
10.54
11.11
9.90
7.11
5.49
5.82
7.34
7.19
0.12
0.10
0.10
0.11
0.09
0.12
4.16
2.94
2.63
2.07
68.20 61.65
67.25
80.12
82.27
6.73
5.93
5.41
7.57
22.14 25.81
24.95
22.44
19.44
0.27
0.20
0.58
0.10
6.10
0.40
13.85 15.89
15.33
12.33
11.91
77.12 73.15
73.91
71.52
66.69
79.80 76.49
74.40
69.42
65.10
36.65 39.22
37.86
35.76
34.13
6.99
7.46
6.74
6.60
6.94
9.39
9.00
12.35
15.49
17.16
0.36
0.44
0.36
1.17
1.11
1.24
1.29
1.22
1.10
1.07
0.04
0.04
0.04
0.05
0.05
Leverage Ratios
Current Ratio
Quick Ratio
21.94 17.65
17.94
9.16
8.63
14.89 18.76
24.59
35.26
29.91
13.62 16.98
21.77
27.17
19.48
85.09 81.33
77.59
70.78
70.36
86.37 83.09
79.95
76.56
80.63
48.30 53.63
62.18
99.09
164.28
Mar
'12
Mar '10
Mar '09
Mar '08
Mar '11
17.17 12.39
8.53
4.18
2.35
Book Value
96.50 81.95
52.71
40.21
34.69
BANK OF BARODA
Management - Bank of Baroda
Name Designation
Alok Nigam
Director
Director
Director
Executive Director
Director
Director
Maulin A Vaishnav
Director
V B Chavan
Director
Executive Director
Mar '11
Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
412.38
392.81
365.53
365.53
365.53
412.38
392.81
365.53
365.53
365.53
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Reserves
27,064.47 20,600.30
14,740.86
12,470.01
10,678.40
Revaluation Reserves
0.00
0.00
0.00
0.00
Net Worth
27,476.85 20,993.11
15,106.39
12,835.54
11,043.93
Deposits
384,871.11305,439.48
241,044.26
192,396.95
152,034.1
Borrowings
23,573.05 22,307.85
13,350.09
5,636.09
3,927.05
Total Debt
408,444.16327,747.33
254,394.35
198,033.04
155,961.1
11,400.46 9,656.73
8,815.97
16,538.15
12,594.41
Total Liabilities
447,321.47358,397.17
278,316.71
227,406.73
179,599.5
Mar '12
Mar '11
Mar '10
Mar '09
Mar '08
12 mths
12 mths
12 mths
12 mths
12 mths
0.00
Assets
Cash & Balances with RBI
21,651.46 19,868.18
13,539.97
10,596.34
9,369.72
42,517.08 30,065.89
21,927.09
13,490.77
12,929.56
Advances
287,377.29228,676.36
175,035.29
143,985.90
106,701.3
Investments
83,209.40 71,260.63
61,182.38
52,445.88
43,870.07
Gross Block
4,921.59
4,548.16
4,266.60
3,954.13
3,787.14
Accumulated Depreciation
2,580.09
2,248.44
1,981.84
1,644.41
1,360.14
Net Block
2,341.50
2,299.72
2,284.76
2,309.72
2,427.00
0.00
0.00
0.00
0.00
0.00
Other Assets
10,224.73 6,226.40
4,347.22
4,578.12
4,301.83
Total Assets
447,321.46358,397.18
278,316.71
227,406.73
179,599.5
Contingent Liabilities
134,552.25112,272.64
77,997.01
64,745.82
75,364.33
40,717.28 33,735.67
27,949.60
22,584.64
15,105.51
668.34
414.71
352.37
303.18
536.16
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
Interest Earned
29,673.7221,885.92
16,698.34
15,091.58
11,813.48
Other Income
3,422.33 2,809.19
2,806.36
2,757.66
2,051.04
Total Income
33,096.0524,695.11
19,504.70
17,849.24
13,864.52
Interest expended
19,356.7113,083.66
10,758.86
9,968.17
7,901.67
Employee Cost
2,985.58 2,916.78
2,350.88
2,348.13
1,803.76
2,589.44 1,885.00
1,627.56
885.24
927.20
Depreciation
276.57
230.86
230.50
232.00
Miscellaneous Expenses
2,880.80 2,324.94
1,478.21
2,189.99
1,564.36
Income
Expenditure
243.04
0.00
Operating Expenses
0.00
0.00
0.00
0.00
6,727.59 5,669.88
4,711.23
3,844.66
3,370.27
2,004.80 1,699.88
976.28
1,809.20
1,157.05
Total Expenses
28,089.1020,453.42
16,446.37
15,622.03
12,428.99
Mar '10
Mar '09
Mar '08
12 mths 12 mths
12 mths
12 mths
12 mths
5,006.96 4,241.68
3,058.33
2,227.20
1,435.52
Extraordionary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total
5,006.96 4,241.68
3,058.33
2,227.20
1,435.52
Preference Dividend
0.00
0.00
0.00
0.00
0.00
Equity Dividend
812.29
753.35
639.26
383.56
340.94
0.00
0.00
0.00
0.00
0.00
121.79
108.33
83.96
61.14
39.41
170.00
165.00
150.00
90.00
80.00
668.34
536.16
414.71
352.37
303.18
Appropriations
Transfer to Statutory Reserves
1,740.81 1,387.87
1,162.07
1,136.23
444.23
2,453.86 2,100.46
1,257.00
707.41
650.35
812.29
753.35
639.26
383.56
340.94
0.00
0.00
0.00
0.00
0.00
Total
5,006.96 4,241.68
3,058.33
2,227.20
1,435.52
Mar
'12
Mar '11
Mar '10
Mar '09
Mar '08
10.00 10.00
10.00
10.00
10.00
17.00 16.50
15.00
9.00
8.00
150.18137.25
106.39
82.98
57.48
777.91610.00
524.75
455.85
360.56
154.03120.23
62.42
62.42
180.73
--
--
--
--
--
Interest Spread
4.73
4.60
4.15
4.02
4.21
16.07 18.16
16.54
14.19
12.06
15.23 17.18
15.37
12.86
10.38
92.37 89.23
99.27
103.70
91.52
18.22 20.20
20.24
17.35
12.99
18.21 20.20
20.24
17.35
12.99
668.34536.16
414.71
352.37
303.18
668.34536.16
414.71
352.37
303.18
7.94
7.50
7.56
8.16
8.14
3.13
3.39
3.30
3.26
3.24
Profitability Ratios
0.22
0.25
0.30
0.35
0.43
4.80
4.11
4.25
4.90
4.90
1.60
1.70
1.77
1.78
1.94
1.68
1.86
1.75
1.72
1.58
1.24
1.33
1.21
1.09
0.89
Loans Turnover
0.12
0.12
0.12
0.13
0.14
8.16
7.75
7.86
8.51
8.57
4.80
4.11
4.25
4.90
4.90
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.09
3.47
65.23 59.78
64.43
66.05
66.89
2.67
3.88
4.09
4.98
19.63 21.98
22.53
20.88
22.70
0.18
0.23
0.24
0.25
3.25
0.24
14.67 14.52
14.36
14.05
12.91
78.07 78.56
77.38
81.35
75.67
74.76 73.87
73.60
72.78
68.72
22.38 24.24
26.22
27.96
28.46
6.01
5.57
5.80
5.70
14.01 14.55
15.96
14.99
13.77
0.36
0.47
1.43
1.37
0.35
1.27
1.34
1.31
1.25
1.21
0.03
0.02
0.02
0.02
0.03
6.11
Leverage Ratios
Current Ratio
Quick Ratio
28.00 26.38
21.88
9.62
9.56
16.22 17.76
20.90
17.22
23.75
15.37 16.79
19.43
15.60
20.44
83.78 82.25
79.10
82.78
76.25
84.63 83.21
80.57
84.40
79.55
72.85 68.10
73.28
78.28
91.19
Mar
'12
Mar '10
Mar '09
Mar '08
Mar '11
121.79108.33
83.96
61.14
39.41
Book Value
668.34536.16
414.71
352.37
303.18