HDFC Bank - Base

ERE or Excess Return to equity Calculation
FY FY
2011 2012
Cost of equity = 13.6%

Growth
Net Income
Percentage Growth
Dividend Payout Ratio
Dividends paid
Retained Earnings
Beginning BV of Equity
RoE [Average]
Cost of Equity [%]
Equity Cost on Book Value
Excess Equity Return
Accumulated Ke
PV of Excess Equity Return
Terminal Value
PV of Terminal Value
PV of Terminal Value in the respective year
PV of Equity
Price Per Share as on Current FY end
Price Per Share on Target Date
FY FY FY FY FY FY
2013 2014 2015 2016 2017 2018
18.3% 20.2%
122,962 145,496 174,868
18% 20%
23% 24%
33,927 42,095
111,569 132,772
FY FY FY FY FY FY
2019 2020 2021 2022 2023 2024
20.5% 22.9%
210,782 259,056 228,090 292,851 408,089 470,796
21% 23% -12% 28% 39.4% 15.4%
24% 24% 33% 30% 22% 22%
50,085 61,551 75,229 88,908 89,779 103,575
160,696 197,504 152,861 203,943 318,309 367,221
1,492,063.5 1,701,033.8 1,867,572.7 2,071,515.9 2,389,825.1

16.23% 12.78% 14.87% 18.29% 18.29%
13.60% 13.60% 13.60% 13.60% 13.60%
202,920.6 231,340.6 253,989.9 281,726.2 325,016.2
56,135.1 (3,250.4) 38,860.9 126,362.5 145,779.3
0.88 1.00 1.14 1.29 1.47

63,769 (3,250) 34,209 97,918 99,440
685,370 (39,685) 474,465 1,542,798 1,779,864
778,581 (39,685) 417,663 1,195,507 1,214,093
2,574,414 1,752,898 2,244,454 3,120,216 3,238,241

473 322 412 573 595
444 302 387 538 558
FY FY FY FY FY FY
2025 2026 2027 2028 2029 2030
Terminal Year
543,138 626,597 722,879 833,957 962,103 1,109,940

15.4% 15.4% 15.4% 15.4% 15.4% 15.4%
22% 22% 22% 22% 22% 22%
119,490 137,851 159,033 183,471 211,663 244,187
423,648 488,745 563,846 650,486 750,440 865,753
2,757,045.6 3,180,693.2 3,669,438.5 4,233,284.4 4,883,770.9 5,634,211.2

18.29% 18.29% 18.29% 18.29% 18.29% 18.29%
13.60% 13.60% 13.60% 13.60% 13.60% 13.60%
374,958.2 432,574.3 499,043.6 575,726.7 664,192.8 766,252.7
168,179.8 194,022.3 223,835.7 258,230.4 297,910.0 343,686.9
1.67 1.89 2.15 2.44 2.77 3.15

100,986 102,556 104,150 105,769 107,413 109,083
2,053,358 2,368,877 2,732,878 3,152,812 3,637,274 4,196,177
1,232,967 1,252,134 1,271,599 1,291,367 1,311,443 1,331,830
3,358,101 3,479,824 3,603,440 3,728,977 3,856,466 3,985,936

617 639 662 685 708 732
579 600 621 642 664 687
#DIV/0! #DIV/0!
FY FY FY FY FY FY
2031 2032 2033 2034 2035 2036
1,280,493 1,477,253 1,704,248 1,966,123 2,268,237 2,616,775

15.4% 15.4% 15.4% 15.4% 15.4% 15.4%
22% 22% 22% 22% 22% 22%
281,708 324,996 374,935 432,547 499,012 575,690
998,784 1,152,258 1,329,314 1,533,576 1,769,225 2,041,084
6,499,964.0 7,498,748.5 8,651,006.2 9,980,319.8 11,513,895.8 13,283,121.0

18.29% 18.29% 18.29% 18.29% 18.29% 18.29%
13.60% 13.60% 13.60% 13.60% 13.60% 13.60%
883,995.1 1,019,829.8 1,176,536.8 1,357,323.5 1,565,889.8 1,806,504.5
396,497.8 457,423.7 527,711.4 608,799.5 702,347.6 810,270.4
3.58 4.07 4.62 5.25 5.96 6.77

110,779 112,501 114,250 116,026 117,830 119,662
4,840,962 5,584,824 6,442,988 7,433,017 8,575,175 9,892,836
1,352,534 1,373,561 1,394,914 1,416,599 1,438,621 1,460,985
4,117,420 4,250,947 4,386,550 4,524,261 4,664,113 4,806,140

756 780 805 831 856 882
709 732 756 779 804 829
FY FY FY FY FY FY FY
2037 2038 2039 2040 2041 2042 2043
3,018,868 3,482,748 4,017,907 4,635,298

15.4% 15.4% 15.4% 15.4%
22% 22% 22% 22%
664,151 766,205 883,939 1,019,766
2,354,717 2,716,543 3,133,967 3,615,533
15,324,205.4 17,678,922.8 20,395,466.0 23,529,433.4

18.29% 18.29% 18.29% 19.70%
13.60% 13.60% 13.60% 13.60%
2,084,091.9 2,404,333.5 2,773,783.4 3,200,002.9
934,776.5 1,078,414.3 1,244,123.4 1,435,295.4
7.69 8.74 9.93 11.28

121,522 123,411 125,330
11,412,969 13,166,686 15,189,879
1,483,697 1,506,763 1,530,186
4,950,374 5,096,850 5,245,603

909 936 963
856 878 904
FY FY FY FY FY FY FY FY
2044 2045 2046 2047 2048 2049 2050 2051
`
Static DCF Assumptions
WACC Calculation
Risk Free Rate 7.0%

Risk Premium 6.0%
Beta 1.1
Cost of Equity 13.6%
Cost of Debt
Tax Rate 34.5%
After Tax Cost of Debt
Target Debt / Enterprise Value
Preferred Capital %
Cost of Preferred Capital
WACC 13.60%
Today 8/29/2020
Financial year ending date 3/31/2021 For the companies having financial year end
Months to Year End 7.07
Years in to Future 0.59
Enter no. of years of high growth 20

Implied year 2,041
Target price date 9/30/2020

Days in year 365
Other Assumptions / Inputs to DCF Valuation
Current No. of Shares 5446.6

Current Share Price 1278.0
Current Debt
Current Excess Cash
MV of Investments
MV of Minority Interest
MV of Preferred Capital
Market Cap
Required Cash as a % of Sales
ROE 19.70%
Terminal Growth for ERE with Growth in Perpetuity 5.00% <-Terminal Growth
ROE for Terminal Growth
Tapering Growth period - years 0.00
Dividend Tax 20.35%
Year for Valuation 2021
Dividend Payout Ratio 22.00%
nies having financial year ending date other than March 31, enter the same in D22
HDFC Bank Standalone
LONG
Rating Information Rs. Bn YE Mar
Price (Rs) 1,278 NII
Target Price (Rs) 1,264 1,273 -0.6% Other Income
Target Date 30-Sep-20 Total Income
Target Set On 29-Aug-20 Operating Exp
Implied yrs of growth (ERE) 20 -1.10% PPoP
Fair Value (ERE) Provisions
Fair Value (DDM) NA PAT
Ind Benchmark BANKEX Loan & Advances
Model Portfolio Position Deposits
Net Worth
Stock Information NIM
Market Cap (Rs mn) 6,722,202 Prov/ Avg Loans
Free Float (%) 73.8% Rs Per Share
52 Wk H/L (Rs) 1285/940.1 EPS
Avg Daily Volume (1yr) 7,070,943 Adjusted EPS
Avg Daily Value (Rs Mn -1yr) 7,884 Book Value
Equity Cap (Rs Mn) 5,470 Adjusted BVPS
Face Value (Rs) 1.0 DPS
Bloomberg Code HDFCB IN P/E (x)
Adj P/B (x)
ROE (%)
RoA (%)
Ownership Recent 3M % 12M % Tier 1 Ratio
Promoters 26.5% 0.0% 0.9%
DII 16.6% 0.4% 1.5%
FII 38.7% 0.0% -1.7%
Public 18.2% -0.4% -0.7%
Price % 1M% 3M% 12M%

Absolute 12.4% 2.1% 24.8% ### 9-Apr-00
Vs Industry 5.1% 5.9% 7.9%
ICICI Bank 9.6% 4.6% 39.1%
Indusind Bank 0.9% -8.8% -16.3%
Rs/Share 1Q 2Q 3Q 4Q
EPS (19A) 8.9 9.4 10.3 10.8
EPS (20E) 10.2 11.6 13.6 12.7
1,000
FY19A FY20E FY21E FY22E Sensitivity to Key Variables % Change

482 559 595 658 Net Interest Income 10%
176 219 234 262 Provisioning Costs 10%
659 778 829 920 Loans & Advances Growth 10%
261 304 332 371
397 474 498 549 48.8
76 112 193 158
211 259 228 293
8,194 9,833 10,718 12,004
9,231 11,262 12,726 14,508
1,492 1,701 1,868 2,085
4.4% 4.3% 4.0% 4.0%
1.0% 1.2% 1.9% 1.4%
FY19A FY20E FY21E FY22E
39.6 47.6 41.9 53.8
39.6 47.6 41.9 53.8
264.7 301.0 329.1 366.5
258.8 294.1 310.7 354.0 2,504
7.5 9.0 11.0 13.0
32.2x 26.9x 30.5x 23.8x
4.9x 4.3x 4.1x 3.6x
16.5% 16.2% 12.8% 14.8%
1.8% 1.9% 1.5% 1.7%
15.8% 14.9% 14.9% 14.8%
332.37
438 510 338 1,282.83
4.30 4.07 3.57 1,406
1,243
% Impact on EPS Rf Ke Term. Growth RoE in Terminal Yr
15.9% 7.0% 13.6% 5.0% 18.3%
-3.0%
1.7%
56.60
47.40
49.70
FY20E FY21-24E FY25-29E FY30-39E
PAT Growth (%) 22.9% 27.3% 15.4% 15.4%
Dividend Payout (%) 23.8% 26.8% 22.0% 22.0%
BV Growth 14.0% 13.9% 15.4% 15.4%
RoE (%) 16.2% 16.1% 18.3% 18.3%
Years of strong growth 1 5 10 20

Valuation as on date (Rs) 473 595 708 963
Valuation as of 31st Mar'20 444 558 664 904
UPDATE Consolidated
Equirus Consensus % Diff Comparable valuation

FY20E 47.6 47.8 -0.5% Company
EPS
FY21E 41.9 57.7 -27.4% HDFC Bank
FY20E 777.6 783.3 -0.7% ICICI Bank
NII + Non Interest Income
FY21E 829.3 935.7 -11.4% Indusind Bank
FY20E 259.1 262.0 -1.1%
PAT
FY21E 228.1 317.6 -28.2%
Comparable valuation P/E
Mkt Cap (Rs Bn) Price Target Target Date
Reco. CMP FY19A FY20E FY21E
LONG 1,278 6,722 1,264 Sep-20 32.2 26.9 30.5
LONG 438 2,828 550 Sep-20 83.8 21.7 17.2
LONG 1,343 930 1,650 Sep-20 24.5 15.2 12.7
P/B BPS RoE Div Yield
FY19A FY20E FY21E FY20E FY19A FY20E FY21E FY19A FY20E FY21E
4.9 4.3 4.1 294.1 16.5% 16.2% 12.8% 0.6% 0.7% 0.9%
3.5 2.9 2.4 153.2 3.2% 11.4% 12.9% 0.2% 0.3% 0.5%
3.4 2.8 2.3 482.9 13.2% 18.4% 18.6% 0.6% 0.9% 1.0%
Is Projected (1 = Yes, 0 = No)
1.00 Rs
in Mn
INTERESTINTEREST Interest Income
INTERESTINTEREST Interest Expense
NETINTERNETINTER Net Interest Income
OTHERIN OTHERIN Non Interest Income
TOTALIN TOTALIN Total Income
OPERATINOPERATIN Operating and Other Expenses
EMPLOYEEEMPLOYEE Staff Cost
OTHEROPOTHEROP Other Operating Expenses
PPOP PPOP Pre-Provision Income
PROVISIOPROVISIO Provisions and Write-offs
PBT PBT PBT
TAX TAX TAX
EXTRAITEEXTRAITE Extraordinary
ADJPAT ADJPAT PAT
EPS EPS EPS
Key Drivers
YOA YOACALC YoA
YOI YOICALC YoI
COF COFCALC CoF
NIM NIM NIM
CIRATIO CIRATIO C/I Ratio
CDRATIO CDRATIO CD Ratio
OTHERBY OTHERBY Non-Interest Income/ Total Income
ROA ROA ROA
ROE ROE ROE
Sequential Growth (%)
NETINTERNETINTER NII
TOTALIN TOTALIN TI
PPOP PPOP PPI
PAT PAT PAT
EPS EPSCALC EPS
NETADVANETADVA Advances
DEPOSITSDEPOSITS Deposits
TOTALBUSTOTALBUS Total Business
Yearly Growth (%)
NETINTERNETINTER NII
TOTALIN TOTALIN TI
PPOP PPOP PPI
PAT PAT PAT
EPS EPSCALC EPS
NETADVANETADVA Advances
DEPOSITSDEPOSITS Deposits
TOTALBUSTOTALBUS Total Business
- - - - 1 1 1 1 1
223 226 231 236 241 244 249 254 259
1Q19A 2Q19A 3Q19A 4Q19A 1Q20A 2Q20A 3Q20E 4Q20E 1Q21E
225,490 241,996 258,903 263,333 273,916 281,663 293,697 298,851 314,939
117,354 124,362 133,135 132,438 140,973 146,512 151,968 146,810 168,448
108,136 117,634 125,768 130,895 132,943 135,150 141,729 152,041 146,491
38,181 40,156 49,210 48,712 49,703 55,887 66,693 60,326 60,899
146,316 157,790 174,978 179,607 182,645 191,038 208,422 212,366 207,391
59,839 62,991 67,193 71,171 71,173 74,057 78,968 82,779 84,450
18,105 19,092 19,676 20,744 22,174 23,551 24,550 24,983 27,231
41,734 43,898 47,517 50,427 48,999 50,506 54,418 57,796 57,218
86,478 94,800 107,784 108,436 111,472 116,981 129,454 129,587 122,941
16,294 18,200 22,115 18,892 26,137 27,007 30,436 37,845 29,746
70,184 76,600 85,669 89,544 85,336 89,974 99,019 91,742 93,195
24,169 26,543 29,810 30,693 29,654 26,524 24,854 22,466 23,485
- - - - - - - - -
46,014 50,057 55,859 58,851 55,682 63,450 74,165 69,276 69,710
8.9 9.4 10.3 10.8 10.2 11.6 13.6 12.7 12.8
10.2% 10.3% 10.6% 10.5% 10.6% 10.4% 10.2% 10.0% 9.9%

7.1% 7.0% 7.3% 7.1% 7.1% 6.7% 6.7% 6.3% 7.2%
5.1% 5.2% 5.5% 5.3% 5.4% 5.4% 5.3% 4.8% 5.3%
4.20% 4.30% 4.30% 4.40% 4.30% 4.20% 4.20% 4.22% 3.9%
40.9% 39.9% 38.4% 39.6% 39.0% 38.8% 37.9% 39.0% 40.7%
87.9% 90.1% 91.6% 88.8% 86.9% 87.8% 87.7% 87.3% 87.3%
26.1% 25.4% 28.1% 27.1% 27.2% 29.3% 32.0% 28.4% 29.4%
1.8% 1.8% 2.0% 2.0% 1.8% 2.0% 2.2% 1.9% 1.8%
17.2% 16.4% 15.9% 16.1% 14.6% 16.3% 18.6% 16.6% 16.1%
1.5% 8.8% 6.9% 4.1% 1.6% 1.7% 4.9% 7.3% -3.6%

-1.7% 7.8% 10.9% 2.6% 1.7% 4.6% 9.1% 1.9% -2.3%
-2.1% 9.6% 13.7% 0.6% 2.8% 4.9% 10.7% 0.1% -5.1%
5.7% 11.7% 21.5% -14.6% 38.3% 3.3% 12.7% 24.3% -21.4%
-4.1% 8.8% 11.6% 5.4% -5.4% 14.0% 16.9% -6.6% 0.6%
-7.0% 8.8% 11.6% 5.4% -5.6% 13.7% 17.4% -6.6% 0.6%
7.6% 6.0% 4.0% 4.9% 1.3% 8.1% 4.4% 5.0% 5.0%
2.2% 3.4% 2.3% 8.3% 3.4% 7.0% 4.5% 5.5% 5.0%
4.7% 4.6% 3.1% 6.7% 2.4% 7.5% 4.4% 5.3% 5.0%
15.4% 20.6% 21.9% 22.8% 22.9% 14.9% 12.7% 16.2% 10.2%

13.5% 18.1% 23.4% 20.7% 24.8% 21.1% 19.1% 18.2% 13.5%
15.0% 21.3% 27.5% 22.7% 28.9% 23.4% 20.1% 19.5% 10.3%
4.5% 23.3% 63.6% 22.6% 60.4% 48.4% 37.6% 100.3% 13.8%
18.2% 20.6% 20.3% 22.6% 21.0% 26.8% 32.8% 17.7% 25.2%
14.6% 16.9% 16.7% 18.9% 14.6% 23.4% 32.2% 17.8% 25.5%
22.0% 24.1% 23.7% 24.5% 17.1% 19.5% 19.9% 20.0% 24.4%
20.0% 20.9% 22.0% 17.0% 18.5% 22.6% 25.2% 22.0% 23.9%
20.9% 22.4% 22.8% 20.4% 17.8% 21.1% 22.7% 21.1% 24.1%
1 1 1 4.6
262 267 272
2Q21E 3Q21E 4Q21E FY19A FY20E FY21E FY22E
329,400 342,308 303,248 989,721 1,157,234 1,289,895 1,429,976
175,852 184,307 165,854 507,288 598,156 694,461 771,527
153,548 158,001 137,394 482,432 559,078 595,434 658,449
67,626 67,711 37,624 176,259 218,561 233,860 261,923
221,174 225,712 175,018 658,691 777,639 829,295 920,372
88,700 93,787 64,591 261,194 303,970 331,526 371,310
28,048 28,890 17,152 77,618 94,693 101,322 113,481
60,651 64,897 47,439 183,576 209,277 230,204 257,829
132,474 131,926 110,427 397,497 473,669 497,768 549,063
30,849 30,404 101,835 75,501 111,778 192,835 157,551
101,625 101,522 8,592 321,997 361,890 304,933 391,512
25,609 25,584 2,165 111,215 102,834 76,843 98,661
- - - - - - -
76,015 75,939 6,427 210,782 259,056 228,090 292,851
14.0 13.9 1.2 39.6 47.6 41.9 53.8
9.9% 9.9% 8.4% 10.5% 10.1% 9.9% 9.9%

7.2% 7.2% 6.8% 7.6% 7.3% 7.2% 7.1%
5.3% 5.3% 4.8% 5.2% 5.2% 5.3% 5.2%
3.9% 3.8% 3.3% 4.4% 4.3% 4.0% 4.0%
40.1% 41.6% 36.9% 39.7% 39.1% 40.0% 40.3%
88.1% 89.0% 84.2% 88.8% 87.3% 84.2% 82.7%
30.6% 30.0% 21.5% 26.8% 28.1% 28.2% 28.5%
1.9% 1.8% 0.2% 1.8% 1.9% 1.5% 1.7%
16.8% 16.1% 1.4% 16.5% 16.2% 12.8% 14.8%
4.8% 2.9% -13.0%

6.6% 2.1% -22.5%
7.8% -0.4% -16.3%
3.7% -1.4% 234.9%
9.0% -0.1% -91.5%
9.0% -0.1% -91.5%
5.0% 5.0% -5.8%
4.0% 4.0% -0.5%
4.5% 4.5% -3.0%
13.6% 11.5% -9.6% 20.3% 15.9% 6.5% 10.6%

15.8% 8.3% -17.6% 19.1% 18.1% 6.6% 11.0%
13.2% 1.9% -14.8% 21.8% 19.2% 5.1% 10.3%
14.2% -0.1% 169.1% 27.4% 48.0% 72.5% -18.3%
19.8% 2.4% -90.7% 20.5% 22.9% -12.0% 28.4%
20.3% 2.4% -90.7% 16.9% 20.0% -12.0% 28.4%
20.9% 21.6% 9.0% 24.5% 20.0% 9.0% 12.0%
20.4% 19.8% 13.0% 17.0% 22.0% 13.0% 14.0%
20.6% 20.7% 11.1% 20.4% 21.1% 11.1% 13.1%
Consolidated
P&L (Rs mn) FY19A FY20E FY21E FY22E

Interest Income 989,721 1,157,234 1,289,895 1,429,976
Interest Expense 507,288 598,156 694,461 771,527
Net Interest Income 482,432 559,078 595,434 658,449
% Growth 20.3% 15.9% 6.5% 10.6%
Treasury Income 21,225 28,112 31,724 34,974
Other Inc. exc Treasury 155,034 190,449 202,137 226,950
Total Income 658,691 777,639 829,295 920,372 11.8%
Employees Expenses 77,618 94,693 101,322 113,481
Other Op. Expenses 183,576 209,277 230,204 257,829
Operating Profit 397,497 473,669 497,768 549,063
% Growth 21.8% 19.2% 5.1% 10.3%
Tax 111,215 102,834 76,843 98,661
Total Provisions 75,501 111,778 192,835 157,551
Net Profit 210,782 259,056 228,090 292,851
% Growth 20.5% 22.9% -12.0% 28.4%
Earnings Ratios
Interest Inc. / Avg.assets (%) 8.6% 8.5% 8.3% 8.2%
Interest Exp./ Avg. assets (%) 4.4% 4.4% 4.5% 4.4%
NIM (%) 4.4% 4.3% 4.0% 4.0%
Int. exp/ Int earned (%) 51.3% 51.7% 53.8% 54.0%
Oth. Inc./ Tot. Inc. (%) 26.8% 28.1% 28.2% 28.5%
Staff exp/Total opt. exp (%) 29.7% 31.2% 30.6% 30.6%
Cost/ Income Ratio (%) 39.7% 39.1% 40.0% 40.3%
Prov./ Operating Profit (%) 19.0% 23.6% 38.7% 28.7%
Prov./Avg. loans (bps) 1.0% 1.2% 1.9% 1.4%
Consolidated
Historical Financials
P&L (Rs mn) FY16A FY17A FY18A FY19A
Interest Income 602,214 693,060 802,414 989,721
Interest Expense 326,299 361,667 401,465 507,288
Net Interest Income 275,915 331,392 400,949 482,432
% Growth 23.2% 20.1% 21.0% 20.3%
Treasury Income 19,769 23,941 26,052 21,225
Other Inc. exc Treasury 87,748 99,024 126,151 155,034
Total Income 383,432 454,357 553,152 658,691 19.8%
Employees Expenses 57,022 64,837 68,057 77,618
Other Op. Expenses 112,775 132,197 158,846 183,576
Operating Profit 213,635 257,324 326,248 397,497
% Growth 22.7% 20.5% 26.8% 21.8%
Tax 63,417 75,894 92,106 111,215
Total Provisions 27,256 35,933 59,275 75,501
Net Profit 122,962 145,496 174,868 210,782
% Growth 20.4% 18.3% 20.2% 20.5%
Earnings Ratios
Interest Inc. / Avg.assets (%) 9.0% 8.6% 8.3% 8.6%
Interest Exp./ Avg. assets (%) 4.9% 4.5% 4.2% 4.4%
NIM (%) 4.4% 4.4% 4.4% 4.4%
Int. exp/ Int earned (%) 54.2% 52.2% 50.0% 51.3%
Oth. Inc./ Tot. Inc. (%) 28.0% 27.1% 27.5% 26.8%
Staff exp/Total opt. exp (%) 33.6% 32.9% 30.0% 29.7%
Cost/ Income Ratio (%) 44.3% 43.4% 41.0% 39.7%
Prov./ Operating Profit (%) 12.8% 14.0% 18.2% 19.0%
Prov./Avg. loans (bps) 0.7% 0.7% 1.0% 1.0%
Balance Sheet (Rs mn) FY19A FY20E FY21E FY22E
Capital 5,447 5,447 5,447 5,447
Reserves and Surplus 1,486,617 1,695,587 1,862,126 2,079,747
Deposits 9,231,409 11,262,319 12,726,421 14,508,120
Borrowings 1,170,851 1,154,320 1,079,977 1,181,239
Other Liabilities & Provisions 551,083 728,031 643,635 607,042
Total liabilities 12,445,407 14,845,704 16,317,605 18,381,596
Cash & Balances with RBI 467,636 670,499 690,320 784,468
Bal. with banks/ call money 345,840 416,706 470,878 536,800
Investments 2,905,879 3,322,384 3,754,294 4,279,895
Advances 8,194,012 9,832,815 10,717,768 12,003,900
Fixed Assets 40,300 42,718 45,281 47,998
Other Assets 491,740 560,583 639,065 728,534
Total assets 12,445,407 14,845,704 16,317,605 18,381,596
% Growth 17.0% 19.3% 9.9% 12.6%
Key assumptions
Deposits
Avg deposit growth (%) 17.0% 22.0% 13.0% 14.0%
Avg cost of deposits (%) 4.8% 5.0% 5.1% 5.1%
Advances
Avg. advances growth (%) 24.5% 20.0% 9.0% 12.0%
Avg yield on advances (%) 10.5% 10.1% 9.9% 9.9%
Investments
Avg. investments growth (%) 20.0% 14.3% 13.0% 14.0%
Avg. yield on investments (%) 7.6% 7.3% 7.2% 7.1%
Balance Sheet (Rs mn) FY16A FY17A FY18A FY19A

Capital 5,056 5,125 5,190 5,447
Reserves and Surplus 721,721 889,498 1,057,760 1,486,617
Deposits 5,464,242 6,436,397 7,887,706 9,231,409
Borrowings 849,690 740,289 1,231,050 1,170,851
Other Liabilities & Provisions 367,251 567,093 457,637 551,083
Total liabilities 7,407,961 8,638,402 10,639,344 12,445,407
Cash & Balances with RBI 300,583 378,969 1,046,705 467,636
Bal. with banks/ call money 88,605 110,552 182,446 345,840
Investments 1,958,363 2,144,633 2,422,002 2,905,879
Advances 4,645,940 5,545,682 6,583,331 8,194,012
Fixed Assets 33,432 36,267 36,072 40,300
Other Assets 381,038 422,298 368,787 491,740
Total assets 7,407,961 8,638,402 10,639,343 12,445,407
% Growth 25.5% 16.6% 23.2% 17.0%
Key assumptions
Deposits
Avg deposit growth (%) 21.2% 17.8% 22.5% 17.0%
Avg cost of deposits (%) 5.9% 5.3% 4.6% 4.8%
Advances
Avg. advances growth (%) 27.1% 19.4% 18.7% 24.5%
Avg yield on advances (%) 10.8% 10.2% 10.3% 10.5%
Investments
Avg. investments growth (%) 29.1% 9.5% 12.9% 20.0%
Avg. yield on investments (%) 8.3% 7.9% 7.2% 7.6%
Particulars FY19A FY20E FY21E FY22E
Asset Quality
Gross NPA (Rs mn) 112,242 140,984 273,013 309,121
Gross NPA (%) 1.4% 1.4% 2.5% 2.6%
Net NPA (Rs mn) 32,145 37,904 100,061 68,004
Net NPA (%) 0.4% 0.4% 0.9% 0.6%
% coverage of NPA 71.4% 73.1% 63.3% 78.0%
Delinquencies (%) 1.9% 2.0% 3.0% 2.0%
Business Ratios
Credit / Deposit(%) 88.8% 87.3% 84.2% 82.7%
Investment / Deposit (%) 31.5% 29.5% 29.5% 29.5%
CASA (%) 42.4% 40.5% 40.5% 40.5%
RoaA (%) 1.8% 1.9% 1.5% 1.7%
RoE (%) 16.5% 16.2% 12.8% 14.8%
Dividend Yield (%) 1.2% 1.4% 1.7% 2.0%
Capital Adequacy Ratio
RWA (Rs. Bn) 9,319 11,183 12,190 13,652
Tier I (%) 15.8% 14.9% 14.9% 14.8%
Tier II (%) 1.3% 1.1% 1.0% 0.9%
Total CAR (%) 17.1% 16.0% 15.9% 15.7%
Per Share Data
Book value per share, Rs 264.7 301.0 329.1 366.5
Adj. BVPS, Rs. 258.8 294.1 310.7 354.0
Price/ Adj. Book value 4.9 4.3 4.1 3.6
EPS, Rs. 39.6 47.6 41.9 53.8
P/E Ratio 32.2 26.9 30.5 23.8
Particulars FY16A FY17A FY18A FY19A

Asset Quality
Gross NPA (Rs mn) 43,928 58,857 86,070 112,242
Gross NPA (%) 0.9% 1.1% 1.3% 1.4%
Net NPA (Rs mn) 13,205 18,441 26,011 32,145
Net NPA (%) 0.3% 0.3% 0.4% 0.4%
% coverage of NPA 69.9% 68.7% 69.8% 71.4%
Delinquencies (%) 1.4% 1.4% 2.1% 1.9%
Business Ratios
Credit / Deposit(%) 85.0% 86.2% 83.5% 88.8%
Investment / Deposit (%) 35.8% 33.3% 30.7% 31.5%
CASA (%) 43.2% 48.0% 43.5% 42.4%
RoaA (%) 1.8% 1.8% 1.8% 1.8%
RoE (%) 18.3% 17.9% 17.9% 16.5%
Dividend Yield (%) 0.7% 0.9% 1.0% 1.2%
RWA (Rs. Bn) 5,298 6,400 8,001 9,319
Tier I (%) 13.2% 12.8% 13.3% 15.8%
Tier II (%) 2.3% 1.8% 1.6% 1.3%
Total CAR (%) 15.5% 14.6% 14.8% 17.1%
Per Share Data
Book value per share, Rs 143.7 167.9 196.7 264.7
Adj. BVPS, Rs. 141.1 164.3 191.7 258.8
Price/ Adj. Book value 9.1 7.8 6.7 4.9
EPS, Rs. 24.4 28.6 33.9 39.6
P/E Ratio 52.3 44.7 37.7 32.2
Key Assumptions 2016A 2017A
Net Interest Income (Rs mn) 275,915 331,392
Net interest margin (%) 4.4% 4.4%
Other Income (Rs mn) 107,517 122,965
Total Income (Rs mn) 383,432 454,357
Operating Expense (Rs mn) 169,797 197,033
Cost to Income Ratio (%) 44.3% 43.4%
Credit Cost (%) 0.7% 0.7%
PAT (Rs mn) 122,962 145,496
Advances Growth (%) 27.1% 19.4%
Deposits Growth (%) 21.2% 17.8%
Change in Estimate
Revised Estimates
FY20E FY21E
NII 559,078 595,434
Provisions 111,778 192,835
PAT 259,056 228,090
EPS 47.6 41.9
Advances 9,832,815 10,717,768
Deposits 11,262,319 12,726,421
Rs mn FY20E FY21E
NII 559,078 595,434
NIM (%) 4.3% 4.0%
PPOP 473,669 497,768
PAT 259,056 228,090
Advances (Rs Mn) 9,832,815 10,717,768
Advances growth (%) 20.0% 9.0%
Deposits (Rs Mn) 11,262,319 12,726,421
Deposits growth (%) 22.0% 13.0%
ABV 294.1 310.7
2018A 2019E 2020E 2021E 2022E
400,949 482,432 559,078 595,434 658,449
4.4% 4.4% 4.3% 4.0% 4.0%
152,203 176,259 218,561 233,860 261,923
553,152 658,691 777,639 829,295 920,372
226,904 261,194 303,970 331,526 371,310
41.0% 39.7% 39.1% 40.0% 40.3%
1.0% 1.0% 1.2% 1.9% 1.4%
174,868 210,782 259,056 228,090 292,851
18.7% 24.5% 20.0% 9.0% 12.0%
22.5% 17.0% 22.0% 13.0% 14.0%
% Change Earlier Estimates

FY20E FY21E FY20E FY21E
-0.8% -8.5% 563,793 650,980
7.4% 59.0% 104,035 121,275
9.3% -17.1% 236,975 275,034
9.3% -17.1% 43.5 50.5
1.7% -5.7% 9,668,934 11,360,998
4.3% 0.7% 10,800,749 12,636,876
563,793 650,980
4.4% 4.4%
465,829 541,175
236,975 275,034
9,668,934 11,360,998
18.0% 17.5%
10,800,749 12,636,876
17.0% 17.0%
575.8 650.3
Profit & Loss (Rs Mn) 3QFY20 3QFY20E 2QFY20
Net Interest Income 141,729 142,434 135,150

Other Income 66,693 57,455 55,887
Total Income 208,422 199,889 191,038
Operating Expenses 78,968 77,205 74,057
Staff Expense 24,550 23,668 23,551
Other Expense 54,418 53,536 50,506
Operating Profit 129,454 122,684 116,981
Provision 30,436 28,916 27,007
Profit Before Taxes 99,019 93,768 89,974
Taxes 24,854 23,629 26,524
Net Profit 74,165 70,138 63,450
Balancesheet (Rs Mn) 3QFY20 3QFY20E 2QFY20
Deposits 10,674,335 10,675,000 10,216,149
Current Account 1,439,000 - 1,367,910
Saving Account 2,779,280 - 2,644,450
Advances 9,360,295 9,340,000 8,969,838
Investments 3,112,941 3,194,339 3,071,480
Gross NPL 134,273 - 125,082
Net NPL 44,684 - 37,910
Ratios 3QFY20 3QFY20E 2QFY20
Profitability ratios
Yield on Advances 10.2% 10.4%
Cost of Funds 5.3% 5.4%
NIM 4.2% 4.2%
RoaA 2.2% 2.0%
RoaE 18.6% 16.3%
Asset Quality
Gross NPL ratio 1.4% 1.4%
Net NPL ratio 0.5% 0.4%
Coverage ratio 66.7% 69.7%
Credit Cost (annul.) 1.3% 2.4%
Business & Other Ratios
CASA 39.5% 39.3%
Cost-income ratio 37.9% 38.8%
Non int. inc / total income 32.0% 29.3%
Credit deposit ratio 87.7% 87.8%
CAR 18.5% 17.5%
Tier-I 17.1% 16.2%
Source: Company Filings, Equirus Securities
EPS 14 12
Particulars
P&L Statement (Rs mn) 3QFY20 3QFY20E 2QFY20
Net interest income (NII) 141,729 142,434 135,150
Other income 66,693 57,455 55,887
Total income 208,422 199,889 191,038
Operating expenses 78,968 77,205 74,057
- Staff expenses 24,550 23,668 23,551
- Other expenses 54,418 53,536 50,506
Operating profit 129,454 122,684 116,981
Total provisions 30,436 28,916 27,007
Profit before tax 99,019 93,768 89,974
Tax 24,854 23,629 26,524
Profit after tax 74,165 70,138 63,450
Balance sheet (Rs mn)
Deposits 10,674,335 10,675,000 10,216,149
Advances 9,360,295 9,340,000 8,969,838
Gross NPL (Rs mn) 134,273 125,082
Net NPL (Rs mn) 44,684 37,910
Gross NPL ratio 1.4% 1.4%
Net NPL ratio 0.5% 0.4%
Variation
3QFY19
3QFY20E 2QFY20 3QFY19
125,768 -0.5% 4.9% 12.7% 276,879
49,210 16.1% 19.3% 35.5% 122,580
174,978 4.3% 9.1% 19.1% 399,459
67,193 2.3% 6.6% 17.5% 153,025
19,676 3.7% 4.2% 24.8% 48,100
47,517 1.6% 7.7% 14.5% 104,924
107,784 5.5% 10.7% 20.1% 246,435
22,115 5.3% 12.7% 37.6% 57,442
85,669 5.6% 10.1% 15.6% 188,993
29,810 5.2% -6.3% -16.6% 51,378
55,859 5.7% 16.9% 32.8% 137,615
3QFY19 % change vs Est % change q-o-q % change y-o-y
8,525,019 0.0% 4.5% 25.2%
1,119,050 5.2% 28.6%
2,351,790 5.1% 18.2%
7,809,512 0.2% 4.4% 19.9%
2,797,532 1.3% 11.3%
109,029 7.3% 23.2%
33,015 17.9% 35.3%
3QFY19 bp change q-o-q bp change y-o-y
10.6% (21) (38)

5.5% (10) (16)
4.3% - (10)
2.0% 20 24
15.9% 228 263
1.4% 4 4
0.4% 6 6
69.7% (297) (300)
1.2% (108) 17
40.7% 20 (120)
38.4% (88) (51)
28.1% 274 388
91.6% (11) (392)
17.3% 100 120
15.8% 90 130
10
%Variation
3QFY19 % Chg EE % chg qoq % chg yoy
125,768 -0.5% 4.9% 12.7%
49,210 16.1% 19.3% 35.5%
174,978 4.3% 9.1% 19.1%
67,193 2.3% 6.6% 17.5%
19,676 3.7% 4.2% 24.8%
47,517 1.6% 7.7% 14.5%
107,784 5.5% 10.7% 20.1%
22,115 5.3% 12.7% 37.6%
85,669 5.6% 10.1% 15.6%
29,810 5.2% -6.3% -16.6%
55,859 5.7% 16.9% 32.8%
8,525,019 0.0% 4.5% 25.2%

7,809,512 0.2% 4.4% 19.9%
109,029 #DIV/0! 7.3% 23.2%
33,015 #DIV/0! 17.9% 35.3%
1.4% 4 4
0.4% 6.0 6.0
559,078 102%
218,561 78%
777,639 95%
303,970 99%
94,693 97%
209,277 99%
473,669 92%
111,778 95%
361,890 91%
102,834 100%
259,056 88%
Income Statement (Rs mn) Equirus Estimates
Y/E Mar Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20 Mar-21
Net Interest Income 223,957 275,915 331,392 400,949 482,432 559,078 595,434
+ Non-Interest income 89,964 107,517 122,965 152,203 176,259 218,561 233,860
Total income 313,920 383,432 454,357 553,152 658,691 777,639 829,295
- Operating Expenses 139,875 169,797 197,033 226,904 261,194 303,970 331,526
Operating Profit 174,045 213,635 257,324 326,248 397,497 473,669 497,768
- Provisions 20,758 27,256 35,933 59,275 75,501 111,778 192,835
- Tax 51,128 63,417 75,894 92,106 111,215 102,834 76,843
PAT 102,159 122,962 145,496 174,868 210,782 259,056 228,090
+ (Associates-Minorities)
Consolidated PAT 102,159 122,962 145,496 174,868 210,782 259,056 228,090
1.2 1.18 1.20 1.21 1.23 0.88
Key Ratios Equirus Estimates
Yield on Earning Assets (%) 9.5 9.6 9.1 8.7 8.9 8.8 8.6
Cost of funds (%) 5.8 5.8 5.4 4.9 5.2 5.2 5.3
Net Interest Margin (%) 4.4 4.4 4.4 4.4 4.4 4.3 4.0
Cost to Income (%) 44.6 44.3 43.4 41.0 39.7 39.1 40.0
Cost to Average Assets (%) 4.7 2.6 2.5 2.4 2.3 2.2 2.1
Operating Inc / Avg Assets (%) 5.9 3.2 3.2 3.4 3.4 3.5 3.2
NII growth (%) 42,086.7 23.2 20.1 21.0 20.3 15.9 6.5
Non Interest Income growth (%) 39,903.3 19.5 14.4 23.8 15.8 24.0 7.0
Non Interest Inc / Total Inc (%) 28.7 28.0 27.1 27.5 26.8 28.1 28.2
Operating Profit growth (%) 56,917.1 22.7 20.5 26.8 21.8 19.2 5.1
PAT growth (%) 61,345.4 20.4 18.3 20.2 20.5 22.9 (12.0)
Borrowings growth (%) 12,657.8 87.9 (12.9) 66.3 (4.9) (1.4) (6.4)
Advances growth (%) 89,873.8 27.1 19.4 18.7 24.5 20.0 9.0
Business growth (%) 200,845.9 23.9 18.5 20.8 20.4 21.1 11.1
Assets growth (%) 141,195.0 25.5 16.6 23.2 17.0 19.3 9.9
Dividend Payout (%) 0.2 0.2 0.2 0.2 0.2 0.2 0.3
Dupont Analysis Equirus Estimates

Operating Margin (%) 55.4 55.7 56.6 59.0 60.3 60.9 60.0
Provision factor (x) 0.9 0.9 0.9 0.8 0.8 0.76 0.61
Tax Impact (x) 0.7 0.7 0.7 0.7 0.7 0.72 0.75
Asset turnover (x) 0.11 0.06 0.06 0.06 0.06 0.06 0.05
Consolidation factor (x) 1.0 1.0 1.0 1.0 1.0 1.0 1.0
RoA (%) 3.5 1.8 1.8 1.8 1.8 1.9 1.5
Equity Multiplier (x) 9.5 9.9 9.9 9.8 9.0 8.5 8.7
RoE (%) 32.9 18.3 17.9 17.9 16.5 16.2 12.8
0.51% 0.62% 0.81% 0.87% 1.02% 1.70%
150000 250000
HDB Financial Networth 100000
27.540051 45.900085
uirus Estimates Balance Sheet Statement (
Mar-22 Y/E Mar Mar-15 Mar-16 Mar-17 Mar-18 Mar-19
658,449 Networth(incl CCPS) 620,094 726,778 894,624 1,062,950 1,492,064
261,923 Borrowings 452,136 849,690 740,289 1,231,050 1,170,851
920,372 9% Deposits 4,507,956 5,464,242 6,436,397 7,887,706 9,231,409
371,310 11% Provisions and Current Liabilities 324,845 367,251 567,093 457,637 551,083
549,063 8% Total Liabilities & Equity 5,905,031 7,407,961 8,638,402 10,639,344 12,445,407
157,551 Net Loans 3,654,950 4,645,940 5,545,682 6,583,331 8,194,012
98,661 Investments 1,516,418 1,958,363 2,144,633 2,422,002 2,905,879
292,851 6% Current Assets 363,315 389,188 489,521 1,229,151 813,476
Fixed & Other Assets 370,348 414,470 458,566 404,859 532,040
292,851 Total Assets 5,905,031 7,407,961 8,638,402 10,639,343 12,445,407
1.28
uirus Estimates Valuation
Mar-22 Y/E Mar Mar-15 Mar-16 Mar-17 Mar-18 Mar-19
8.6 FDEPS (Rs) 20.8 24.4 28.6 33.9 39.6
5.2 BV (Rs/share) 123.7 143.7 167.9 196.7 264.7
4.0 ABV (Rs/share) 121.9 141.1 164.3 191.7 258.8
40.3 DPS (Rs) 4.0 4.8 5.5 6.5 7.5
2.1 P/ E (x) 15.6 13.3 11.4 9.6 8.2
3.2 P/ BV (x) 2.6 2.3 1.9 1.7 1.2
10.6 P/ Adj BV (x) 2.7 2.3 2.0 1.7 1.3
12.0 Dividend Yield (%) 1.2 1.5 1.7 2.0 2.3
28.5 Credit Deposit Ratio (%) 81.1 85.0 86.2 83.5 88.8
10.3 Investment Deposit Ratio (%) 33.6 35.8 33.3 30.7 31.5
28.4 Gross NPAs (%) 0.9 0.9 1.1 1.3 1.4
9.4 Net NPAs (%) 0.2 0.3 0.3 0.4 0.4
12.0 Capital Adequacy Ratio (%) 16.8 15.5 14.6 14.8 17.1
13.1 - Tier 1 (%) 13.7 13.2 12.8 13.3 15.8
12.6 Business / Employee (Rs m) NM NM NM NM NM
0.2 PAT / Employee (Rs m) 208.1 222.4 232.4 269.9 266.1
uirus Estimates 3.2 2.8 2.4 2.0 1.5

Mar-22 RWA 4,226,699 5,297,681 6,400,299 8,001,260 9,319,299
59.7 0.72 0.72 0.74 0.75 0.75
0.71
0.75
0.05
1.0
1.7
8.8
14.8
1.20%
400000
73.4401361
Equirus Estimates 72
Mar-20 Mar-21 Mar-22
1,701,034 1,867,573 2,085,194 CMP 325
1,154,320 1,079,977 1,181,239 TP 400
11,262,319 12,726,421 14,508,120 Multiple 1.15 Sept'21
728,031 643,635 607,042 M-cap(Rs m) 47,740
14,845,704 16,317,605 18,381,596 M-cap($ m) 663
9,832,815 10,717,768 12,003,900 Upside 23
3,322,384 3,754,294 4,279,895 Recommend BUY
1,087,204 1,161,197 1,321,268 Last update Jan-15
603,301 684,346 776,532
14,845,704 16,317,605 18,381,596
0.117394674 0.100765102 0.0984046373
Equirus Estimates
Mar-20 Mar-21 Mar-22
47.6 41.9 53.8 6%
301.0 329.1 366.5
294.1 310.7 354.0
9.0 11.0 13.0
6.8 7.8 6.0
1.1 1.0 0.9
1.1 1.0 0.9
2.8 3.4 4.0
87.3 84.2 82.7
29.5 29.5 29.5
1.4 2.5 2.6
0.4 0.9 0.6
16.0 15.9 15.7
14.9 14.9 14.8
NM NM NM
#DIV/0! #DIV/0! #DIV/0!
1.3 1.2 1.1

11,183,158 12,189,643 13,652,400
0.75 0.75 0.74
Current Market Price
Market Cap (Cr)
FY16 FY17A FY18 FY19 FY20E FY21E FY22E CAGS (%) (last 3 FY13 FY14 FY15 FY16 FY17A FY18 FY19 FY20E FY21E FY22E CAGS (%) (last 3
Per Share Data ySs. ActVals) Business Ratios ySs. ActVals)
Book value per share, Rs 143.7 167.9 196.7 264.7 301.0 329.1 366.5 23% Credit-Deposit(%) 80.9 82.5 81.1 85.0 86.2 83.5 88.8 87.3 84.2 82.7
Adj. Book value per share, Rs. 141.1 164.3 191.7 258.8 294.1 310.7 354.0 22% Investment / Deposit (%) 37.7 32.9 33.6 35.8 33.3 30.7 31.5 29.5 29.5 29.5
Price/ Adj. Book value 9.1 7.8 6.7 4.9 4.3 4.1 3.6 Cash / Deposit (%) 9.2 10.8 8.1 7.1 7.6 15.6 8.8 9.7 9.1 9.1
EPS, Rs. 24.4 28.6 33.9 39.6 47.6 41.9 53.8 18% RoAA (%) 1.82 1.90 1.89 1.85 1.81 1.81 1.83 1.90 1.46 1.69 0%
EPS Growth 17% 17% 19% 17% 20% -12% 28% RoE (%) 20.3 21.3 19.4 18.3 17.9 17.9 16.5 16.2 12.8 14.8 -3%
P/E Ratio 52.3 44.7 37.7 32.2 26.9 30.5 23.8 Core RoE (%) 20.8 21.9 20.2 19.0 18.7 18.6 17.0 16.6 13.1 15.1
Dividend per Share 4.8 5.5 6.5 7.5 9.0 11.0 13.0 Dividend Yield (%) 0.4 0.5 0.6 0.7 0.9 1.0 1.2 1.4 1.7 2.0
CASA ratio (%) 47.43 44.81 44.03 43.25 48.03 43.50 42.38 40.50 40.50 40.50
Profit & Loss ySs.ActVals) Balance Sheet ySs. ActVals)
Interest Income 602,214 693,060 802,414 989,721 1,157,234 1,289,895 1,429,976 18% Capital 4,759 4,798 5,013 5,056 5,125 5,190 5,447 5,447 5,447 5,447 3%
Interest Expense 326,299 361,667 401,465 507,288 598,156 694,461 771,527 16% Reserves and Surplus 357,383 429,988 615,081 721,721 889,498 1,057,760 1,486,617 1,695,587 1,862,126 2,079,747 27%
Net Interest Income 275,915 331,392 400,949 482,432 559,078 595,434 658,449 20% Deposits 2,962,470 3,673,375 4,507,956 5,464,242 6,436,397 7,887,706 9,231,409 11,262,319 12,726,421 14,508,120 19%
% Growth 23% 20% 21% 20% 16% 7% 11% Borrowings 330,066 394,390 452,136 849,690 740,289 1,231,050 1,170,851 1,154,320 1,079,977 1,181,239 11%
Treasury Income 19,769 23,941 26,052 21,225 28,112 31,724 34,974 2% Other Liabilities & Provisi 348,642 413,444 324,845 367,251 567,093 457,637 551,083 728,031 643,635 607,042 14%
Other Income from Banking Oper 87,748 99,024 126,151 155,034 190,449 202,137 226,950 21%
Gross income 383,432 454,357 553,152 658,691 777,639 829,295 920,372 20% TOTAL 4,003,319 4,915,995 5,905,031 7,407,961 8,638,402 10,639,344 12,445,407 14,845,704 16,317,605 18,381,596 19%
Employees Expenses 57,022 64,837 68,057 77,618 94,693 101,322 113,481 11%
Other Operational Expenses 112,775 132,197 158,846 183,576 209,277 230,204 257,829 18% Cash & Balances with RBI 146,274 253,456 275,105 300,583 378,969 1,046,705 467,636 670,499 690,320 784,468 16%
Operating Profit 213,635 257,324 326,248 397,497 473,669 497,768 549,063 23% Balances with Banks & mon 126,528 142,380 88,210 88,605 110,552 182,446 345,840 416,706 470,878 536,800 57%
% Growth 23% 20% 27% 22% 19% 5% 10% Investments 1,116,136 1,209,511 1,516,418 1,958,363 2,144,633 2,422,002 2,905,879 3,322,384 3,754,294 4,279,895 14%
Tax 63,417 75,894 92,106 111,215 102,834 76,843 98,661 Advances 2,397,206 3,030,003 3,654,950 4,645,940 5,545,682 6,583,331 8,194,012 9,832,815 10,717,768 12,003,900 21%
Loan Loss Provisions 27,256 35,933 59,275 75,501 111,778 192,835 157,551 40% Fixed Assets 27,031 29,399 31,217 33,432 36,267 36,072 40,300 42,718 45,281 47,998 6%
Net Profit 122,962 145,496 174,868 210,782 259,056 228,090 292,851 20% Other Assets 190,144 251,246 339,131 381,038 422,298 368,787 491,740 560,583 639,065 728,534 9%
20% 18% 20% 21% 23% -12% 28%
TOTAL 4,003,319 4,915,995 5,905,031 7,407,961 8,638,402 10,639,343 12,445,407 14,845,704 16,317,605 18,381,596 19%
Asset Quality ySs.ActVals) Earnings Ratios ySs. ActVals)
Gross NPA, Rs in Cr 43,928 58,857 86,070 112,242 140,984 273,013 309,121 23% Yield on Advances (%) 12.33 11.68 11.12 10.80 10.22 10.33 10.50 10.13 9.90 9.90
Gross NPA (%) 0.9 1.1 1.3 1.4 1.4 2.5 2.6 Yield on Investments (%) 7.56 7.91 7.38 8.26 7.90 7.23 7.62 7.30 7.20 7.10
Net NPA, Rs in Cr 13,205 18,441 26,011 32,145 37,904 100,061 68,004 0% Interest Income/ Avg.asse 9.5% 9.2% 9.0% 9.0% 8.6% 8.3% 8.6% 8.5% 8.3% 8.2%
Net NPA (%) 0.3 0.3 0.4 0.4 0.4 0.9 0.6 Interest Expense/ Avg. as 5.2% 5.1% 4.8% 4.9% 4.5% 4.2% 4.4% 4.4% 4.5% 4.4%
% coverage of NPA 69.9% 68.7% 69.8% 71.4% 73.1% 63.3% 78.0% Net Interest Margin (%) 4.3 4.1 4.1 4.1 4.13 4.16 4.18 4.10 3.82 3.80
NIM based on avg. earning 4.6 4.4 4.4 4.4 4.4 4.4 4.4 4.3 4.0 4.0
Capital Adequacy Ratio ySs.ActVals) Cost Ratio ySs. ActVals)
Capital, Rs in Cr 822,760 931,320 1,185,404 1,594,576 1,789,957 1,941,018 2,143,081 29% Interest Expended/ Intere 54.9 55.1 53.8 54.2 52.2 50.0 51.3 51.7 53.8 54.0
Risk Weighted Assets, Rs in Cr 5,297,681 6,400,299 8,001,260 9,319,299 11,183,158 12,189,643 13,652,400 22% Cost/ Income Ratio (%) 49.6 45.6 44.6 44.3 43.4 41.0 39.7 39.1 40.0 40.3
Tier I (%) 13.2 12.8 13.3 15.8 14.9 14.9 14.8 Cost of Deposit (%) 6.0 5.7 5.7 5.9 5.3 4.6 4.8 5.0 5.1 5.1
Tier II (%) 2.3 1.8 1.6 1.3 1.1 1.0 0.9 Provisioning/ Operating Pr 14.7 11.1 11.9 12.8 14.0 18.2 19.0 23.6 38.7 28.7
Total CAR (%) 15.5 14.6 14.8 17.1 16.0 15.9 15.7 Credit Cost 0.8% 0.6% 0.6% 0.7% 0.7% 1.0% 1.0% 1.2% 1.9% 1.4%
Cost of Fund (%) 6.4 6.2 5.8 5.8 5.4 4.9 5.2 5.2 5.3 5.2
No of Branches 3,062 3,403 4,014 4,520 4,715 4,787 5,103 5,353 5,603 5,853
No. of ATMS 10,743 11,256 11,766 12,000 12,260 12,635 13,160 - - -
No. of Employees 69,065 68,165 76,286 87,555 84,325 88,253 98,061 101,865 105,622 109,335
VALID Years
Period
Reporting Period
Year End
UNITS
Restult Type(Actual/Estimate)
CODES REFERENCE DATA
COMPANY_FULL_NAME Company Full Name ICICI Bank
SECTOR Sector BFSI
SECTOR_RELATIVE Sector Relative Overweight
COUNTRY Country India
FISCAL_YEAR_END Fiscal Year End Mar
RIC Reuters mn
BB BB mn HDFCB IN
SHARES_OS_CUR Current Shares O/S mn 5,447
CURR_MKT_CAP Current Market cap
ADV_USD 3Mnth Avg daily value (US$) 6,960,771
LIQUIDITY Liquidity
FREE_FLOAT Free Float
FOREIGN_OWN_LEVEL Foreign Ownership Limit
PRICE_TARGET Price Target 1,264
PRICE_TARGET_END_DATE Price Target End Date 30-Sep-20
PRIOR_PRICE_TARGET Prior Price Target 1,263.95
RATING Rating (BUY, SELL, HOLD, UR, NR) LONG
DATE_RATING_CHG Date of Rating Change
PRIOR_RATING Prior Rating Buy
CMP Price 1,278
DATE_PRICE Date Of Price 28-Aug-18
FIFTY_TWO_WEEK_HIGH 52-week High
FIFTY_TWO_WEEK_LOW 52-week Low
LAST_REPORT_DATE Date of last report 30-Sep-19
TYPE Consolidated/Standalone Standalone
FINANCIAL_SUMMARY_SCALE Financial Summary(scale) Rs mn

INCOME_STATEMENT_SCALE Income Statement(scale) Rs mn
BALANCE_SHEET_SCALE Balance Sheet(scale) Rs mn
CASH_FLOW_SCALE Cash Flow(scale) Rs mn
Company Specific Items

COMPANY_KEY_1 Key Item 1 Assumption 1
COMPANY_KEY_10 Key Item 10
Code Type INCOME STATEMENT
IS_GROSS_INT_INC 0 Input + Gross Interest income mn
IS_INT_EXP 0 Input + Interest expense mn
IS_TOTAL_INT_INC 0 Input + Net Interest Income (NII) mn
IS_EXCHANGE_INCOME 0 Input + Exchange Income mn
IS_FEE_INCOME 0 Input + Fee & Commissions mn
IS_OTHER_INC 0 Input + Other Income mn
IS_PROFIT_INVESTMENTS Input ± Investment/Treasury profits mn
IS_TTL_NON_INT_INC 0 Calcul + Non-Interest Income mn
IS_TOTAL_INCOME 0 Calcul + Total Income mn
IS_TOTAL_OP_EXP 0 Input + Total Operating Expenses mn
IS_EMPLOYEE_EXPENSE 0 Input + Employee expenses mn
IS_OTHER_EXP 0 Input + Other expenses mn
IS_EBIT Calcul ± Pre-provisioning Profits mn
IS_LLP Input ± Loan-Loss Provisions mn
IS_PROV_INVESTMENTS 0 Input - Provisions on Investments mn
IS_OTHER_PROVISIONS 0 Input - Others Provisions mn
IS_TOTAL_PROVISIONS Calcul ± Total Provisions mn
IS_PBT 0 Input + PBT mn
IS_TOTAL_TAX Input ± Tax mn
IS_NET_INCOME Calculate PAT (Pre-Extra ordinaries) mn
IS_EXTRA_ORD_ITEMS 0 Input + Extra ordinaries (Net of Tax) mn
IS_NET_INCOME_ADJ Calculate Reported Profits mn
DIVIDEND_PAID 1 Input - Dividend paid mn
IS_RETAINED_PROFIT 0 Calcul + Retained Profits mn
DIV_PAYOUT CalculatedDividend payout mn
BALANCE SHEET
BS_PAID_UP_CAPITAL 0 Input + Equity Capital mn
BS_RESERVES_SURPLUS 0 Input + Reserves & Surplus mn
BS_STOCK_OPTIONS 0 Input + Stock option outstanding mn
BS_TOTAL_SHAREHOLDERS_EQUITY 0 Calcula + Networth mn
BS_TOTAL_SHAREHOLDERS_EQUITY_ADJ 0 Input + Adjusted Networth
BS_PREF_SHARES 0 Input + Preference share capital mn
BS_SUB_DEBT 0 Input + Subordinate debt mn
BS_DEPOSITS 0 Input + Deposits mn
BS_CASA_DEP 0 Input + CASA deposits mn
BS_TERM_DEPOSITS 0 Input + Term deposits mn
BS_TOTAL_DEBT 0 Input + Borrowings mn
BS_DOM_BORROW 0 Input + Domestic borrowings mn
BS_FOR_BORROW 0 Input + Foreign borrowings mn
BS_DEFERRED_TAX_LIAB 0 Input + Deferred Tax Liabilities mn
BS_CURRENT_LIAB 0 Input + Current Liabilities mn
BS_OTHER_LIAB 0 Input + Other Liabilities mn
BS_TOTAL_LIAB_SHAREHOLDERS_EQUITY 0 Input + Total Liabilities mn
BS_TOTAL_INVESTMENTS 0 Input + Investments mn
BS_GSEC 0 Input + G-sec mn
BS_EQUITY 0 Input + Equity mn
BS_BONDS_EQUITY 0 Input + Bonds/debt mn
BS_DEBT_OTHERS 0 Input + Others mn
BS_NET_ADVANCES 0 Calcula + Net Advances mn
BS_CASH 0 Input + Cash & Equivalents mn
BS_BAL_BANK 0 Input + Balance with Bank mn
BS_OTHER_CA 0 Input + Other Current Assets mn
BS_FIXED_ASSETS 0 Input + Fixed assets mn
BS_OTHR_FIXED_ASSETS 0 Calcula + Fixed & Other Assets mn
BS_DEFERRED_TAX_ASSET 0 Input + Deferred Tax Assets mn
BS_OTHER_ASSETS 0 Input + Other Assets mn
BS_TOTAL_ASSETS 0 Input + TOTAL ASSETS mn
1 Calcul + Balance sheet check
BS_IEA 0 Calcul + Earning assets mn
BS_RWA 0 Input + Risk weighted assets mn
BS_CONT_LIAB 0 Input + Contingent liabilities mn
BS_GROSS_NPL 0 Input + Gross NPL mn
BS_NET_NPL 0 Input + Net NPL mn
Ratios
Growth (YoY) (%)
BORROWING_GROWTH CalculatedBorrowings %
DEPOSITS_GROWTH CalculatedDeposits %
ADVANCES_GROWTH CalculatedAdvances %
TOTAL_ASSETS_GROWTH CalculatedTotal Assets %
IEA_GROWTH CalculatedEarning assets %
RWA_GROWTH CalculatedRisk weighted assets %
NII_GROWTH CalculatedNII %
FEE_GROWTH CalculatedFee Income %
NON_INT_INC_GROWTH CalculatedNon-interest Income %
OTHR_INC_GROWTH CalculatedOther Income %
TTL_INC_GROWTH CalculatedTotal Income %
OPEX_GROWTH CalculatedOperating Expenses %
STAFF_EXP_GROWTH CalculatedEmployee Expenses %
OTHR_EXP_GROWTH CalculatedOther Expenses %
OP_PROFIT_GROWTH CalculatedPre-porivisioning Profits %
CORE_OP_PROFIT_GROWTH CalculatedCore Pre-provisioning Profits %
PROVISIONS_GROWTH CalculatedProvisions %
RPAT_GROWTH CalculatedReported PAT %
Yields / Margins (%)
YIELD_ADV Input Avg. Yield on advances %
YIELD_INV Input Yiled on investments %
COST_DEP_MRGN Input Avg. Cost of deposits %
COST_BORROW_MRGN Input Cost of borrowings %
YIELD_ASSETS Input Yield on assets %
COST_FUNDS_MRGN Input Cost of funds %
INT_SPRD Input Interest Spread %
NIM Input NIM %
CREDIT_COST Input Cost of Credit x
Profitability (%)
RATIO_NON_IR_INCOME Input Non-IR to Income x
RATIO_COST_INCOME Input Cost to Income %
RATIO_ROA Input ROA %
RATIO_ROE Input ROE %
Balance sheet (%)
RATIO_SLR CalculatedSLR ratio x
RATIO_CD CalculatedCredit Deposit ratio x
RATIO_CASA CalculatedCASA ratio x
RATIO_RORWA CalculatedRoRWA %
Asset quality (%)
SLIPPAGES Input Slippages %
RECOVERIES Input Recoveries %
UPGRADES Input Upgrades %
WRITE_OFFS Input Write-offs %
LOW_COST_DEPOSITS Input Low Cost Deposits %
GROSS_NPA Input Gross NPA's %
NET_NPA CalculatedNet NPAs %
PROV_COVER CalculatedProvision Coverage %
LOAN_LOSS_PROV Input LLP %
SPECIFIC_LLP Input Specific LLP %
TLP_TL Input Total Provisions / Avg. Loans %
NET_NPA_NETWORTH Input Net NPAs / Networth %
RWA_TOTAL_ASSETS Input RWA / Total Assets %
Capital Adequacy (%)
RATIO_TIER_ONE Input Tier I %
RATIO_CAR Input CAR %
RATIO_CRAR Input CRAR %
RATIO_CET_ONE Input CET 1 %
ROA Decomposition (%)
RATIO_ROA_II Input Interest Income %
RATIO_ROA_IE Input Interest Expenses %
RATIO_ROA_NII Input Net Interest Income %
RATIO_ROA_TINC Input Treasury Income %
RATIO_ROA_OIO Input Other income from operations %
RATIO_ROA_TI Input Total income %
RATIO_ROA_EE Input Employee expenses %
RATIO_ROA_OOE Input Other operating expenses %
RATIO_ROA_TOE Input Total Operating expenses %
RATIO_ROA_OP Input Operating Profit %
RATIO_ROA_LLP Input Loan Loss Provisions %
RATIO_ROA_TAX Input Tax %
RATIO_ROA_NP Input Net Profit %
RATIO_ROA_LVGE_MULT Input Leverage Multiplier x
RATIO_ROA_ROE Input ROE %
Valuations
SHARES_OS 0 Input + Shares in Issue mn
EPS CalculatedEPS (Rs) x
EPS_GROWTH CalculatedEPS (YoY) (%) %
P_E_ADJ CalculatedPER (x) x
BPS CalculatedBV (Rs) x
BV_GROWTH CalculatedBV (YoY) (%) %
P_B CalculatedP/BV (x) x
DPS CalculatedDPS (Rs) x
RATIO_DIV_YIELD CalculatedDiv. yield (%) %
ABPS CalculatedABV (Rs) x
ABV_GROWTH CalculatedABV (YoY) (%) %
P_ABV CalculatedP/ABV (x) x
TAX_RATE Tax Rate %
Company Specific Ratios
COMPANY_KEY_1 Input Assumption 1 %
COMPANY_KEY_10 Input %
FY00 FY01 FY02 FY03 FY04
12 12 12 12 12
Annual Annual Annual Annual Annual
Mar-2000 Mar-2001 Mar-2002 Mar-2003 Mar-2004
Mar-2000 Mar-2001 Mar-2002 Mar-2003 Mar-2004
A A A A A
<-- Analyst to enter (Can come through GETDATA Functions

<-- Analyst to enter


<-- To be calculated (CMP * O/S)

<-- USE GETDATA Functions

12,595 17,030 20,136 25,489
7,538 10,737 11,920 12,111
0 5,057 6,293 8,217 13,379
1,355 1,911 2,907 3,796

514 1,430 1,770 1,118
0 1,869 3,341 4,677 4,914
0 6,926 9,633 12,893 18,293
3,103 4,180 5,771 8,100
780 1,092 1,520 2,041
2,323 3,087 4,251 6,059
0 3,823 5,454 7,123 10,193
672 1,200 1,414 3,003
0 672 1,200 1,414 3,003

0 3,151 4,254 5,709 7,190
1,049 1,283 1,833 2,095
0 2,101 2,970 3,876 5,095
0 2,101 2,970 3,876 5,095

536.90 703.40 959.30 1,128.70
0 1,564 2,267 2,917 3,966
#DIV/0! 25.6% 23.7% 24.7% 22.2%
2,436 2,814 2,821 2,848

6,695 16,609 19,628 24,071
0 9,131 19,423 22,448 26,919
116,581 176,538 223,761 304,089

47,590 71,776 96,141 166,394
68,991 104,762 127,620 137,694
0 14,251 20,230 24,847 29,078
0 317 584 730

16,132 21,683 33,185 62,987
16,132 22,000 33,769 63,717
0 156,096 238,191 304,825 423,802
0 71,451 120,040 133,881 193,635
46,367 68,137 117,549 177,445

9,864 12,112 20,820 25,420
16,361 22,470 10,873 10,081
2,897 3,711 5,286 6,179

0 12,131 15,432 21,703 17,221
9,234 11,721 16,417 11,042

0 156,173 238,191 304,825 423,802
78 0 0 0
0 144,042 222,759 283,122 406,581
0 143,525 199,348 268,964
0 0 0 0
0 2,229 2,655 3,356
0 207 344 280
42.0% 22.8% 17.0%

51.4% 26.7% 35.9%
47.0% 72.5% 51.0%
52.5% 28.0% 39.0%
54.6% 27.1% 43.6%
38.9% 34.9%
24.4% 30.6% 62.8%
78.8% 40.0% 5.1%
39.1% 33.8% 41.9%

34.7% 38.1% 40.4%
40.1% 39.1% 34.3%
32.9% 37.7% 42.5%
42.7% 30.6% 43.1%
78.6% 17.9% 112.3%

41.4% 30.5% 31.4%
12.3% 10.9% 8.4% 7.5%

10.2% 9.2% 8.9% 8.1%
6.4% 6.2% 5.3% 3.9%
6.5% 6.6% 5.4% 4.2%

6.0% 4.7% 3.1% 3.6%
4.0% 3.4% 3.2% 3.9%
- - - -
#DIV/0! 27.0 34.7 36.3 26.9

#DIV/0! 44.8% 43.4% 44.8% 44.3%
#DIV/0! 2.7% 1.5% 1.4% 1.4%
#DIV/0! 46.0% 20.8% 18.5% 20.6%
39.8 38.6 52.5 58.4

40.8 40.7 43.0 54.7
#DIV/0! 4.1% 2.3% 2.2%
0.0% 0.0% 1.1% 0.7%

0.0% 0.0% 0.0%
0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
3.2% 3.3% 2.3% 1.9%

0.4% 0.5% 0.4% 0.2%
85.9% 84.6% 83.8% 91.7%
1.4% 2.1% 1.5% 2.0%

0.0% 1.1% 1.5% 1.0%
0.0% 60.3% 65.4% 63.5%
0.0% 0.0% 0.0% 0.0%

0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
16.1% 8.6% 7.4% 7.0%

9.7% 5.4% 4.4% 3.3%
6.5% 3.2% 3.0% 3.7%
0.7% 0.7% 0.7% 0.3%
1.7% 1.0% 1.1% 1.0%
8.9% 4.9% 4.7% 5.0%
1.0% 0.6% 0.6% 0.6%
3.0% 1.6% 1.6% 1.7%
4.0% 2.1% 2.1% 2.2%
4.9% 2.8% 2.6% 2.8%
0.9% 0.6% 0.5% 0.8%
1.3% 0.7% 0.7% 0.6%
2.7% 1.5% 1.4% 1.4%
17.1 13.8 13.0 14.8
46.0% 20.8% 18.5% 20.6%
2,436 2,814 2,821 2,848

#DIV/0! 0.9 1.1 1.4 1.8
22.4% 30.2% 30.2%
#DIV/0! 1,481.6 1,210.6 930.0 714.4
#DIV/0! 3.7 6.9 8.0 9.5
84.2% 15.3% 18.8%
#DIV/0! 341.0 185.1 160.6 135.2
#DIV/0! 0.2 0.2 0.3 0.4
#DIV/0! 0.0% 0.0% 0.0% 0.0%
3.7 6.8 7.8 9.4
85.1% 15.1% 19.8%
#DIV/0! 348.9 188.5 163.7 136.6
#DIV/0! 33.3% 30.2% 32.1% 29.1%
FY05 FY06 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14
12 12 12 12 12 12 12 12
12 12
Annual Annual Annual Annual Annual Annual Annual Annual Annual Annual
Mar-2005 Mar-2006 Mar-2007 Mar-2008 Mar-2009 Mar-2010 Mar-2011 Mar-2012 Mar-2013 Mar-2014
Mar-2005 Mar-2006 Mar-2007 Mar-2008 Mar-2009 Mar-2010 Mar-2011 Mar-2012 Mar-2013 Mar-2014
A A A A A A A A A A
30,935 44,753 66,479 101,150 163,323 161,729 199,282 272,864 350,649 411,355
13,156 19,295 31,795 48,871 89,111 77,863 93,851 149,896 192,538 226,529
17,779 25,458 34,685 52,279 74,212 83,866 105,431 122,968 158,111 184,826
6,399 10,767 14,013 18,360 22,815 30,276 34,669 41,742 57,161 64,146
912 1,369 1,904 4,471 10,091 9,553 8,682 10,695 11,366 15,050
7,311 12,136 15,917 22,832 32,906 39,829 43,352 52,437 68,526 79,196
25,090 37,595 50,602 75,110 107,118 123,695 148,783 175,405 226,637 264,023
10,854 16,911 24,208 37,456 55,328 59,398 71,529 85,901 112,361 120,422
2,767 4,868 7,769 13,014 22,382 22,892 28,360 33,999 39,654 41,790
8,087 12,043 16,439 24,443 32,946 36,506 43,169 51,902 72,707 78,632
14,236 20,684 26,394 37,654 51,790 64,297 77,254 89,504 114,276 143,601
4,447 8,149 10,002 14,843 18,791 21,406 19,067 14,373 16,770 15,880
4,447 8,149 10,002 14,843 18,791 21,406 19,067 14,373 16,770 15,880
9,789 12,535 16,392 22,811 32,999 42,891 58,187 75,132 97,506 127,721
3,134 3,827 4,977 6,909 10,549 13,404 18,923 23,461 30,243 42,937
6,656 8,708 11,415 15,902 22,449 29,487 39,264 51,671 67,263 84,784
6,656 8,708 11,415 15,902 22,449 29,487 39,264 51,671 67,263 84,784
1,597.10 1,963.90 2,619.20 3,525.30 4,982.68 6,405.20 8,921.50 11,727.73 15,315.59 19,226.37
5,059 6,744 8,795 12,377 17,467 23,082 30,342 39,943 51,947 65,557
24.0% 22.6% 22.9% 22.2% 22.2% 21.7% 22.7% 22.7% 22.8% 22.7%
3,099 3,131 3,194 3,544 4,254 4,577 4,652 4,693 4,759 4,798
42,100 49,864 61,138 111,428 146,273 210,648 249,140 294,553 357,383 429,988
45,199 52,995 64,332 114,972 150,527 215,225 253,793 299,247 362,141 434,786
363,543 557,968 682,979 1,007,686 1,428,116 1,674,044 2,085,864 2,467,064 2,962,470 3,673,375
220,488 309,383 393,967 549,136 633,597 871,039 1,099,083 1,194,059 1,405,215 1,646,214
143,054 248,586 289,013 458,550 794,519 803,006 986,781 1,273,006 1,557,255 2,027,161
52,900 45,605 60,980 78,440 91,636 129,157 143,941 238,465 330,066 394,390
770 805 0 0 0 0 0 0 0 0
52,649 78,496 104,065 130,668 162,428 206,159 289,929 374,319 348,642 413,444
53,419 79,300 104,065 130,668 162,428 206,159 289,929 374,319 348,642 413,444
515,060 735,869 912,356 1,331,766 1,832,708 2,224,586 2,773,526 3,379,095 4,003,319 4,915,995
193,498 283,940 305,648 493,933 588,175 586,076 709,294 974,829 1,116,136 1,209,511
255,663 350,613 469,448 634,269 988,830 1,258,306 1,599,827 1,954,200 2,397,206 3,030,003
26,501 33,066 50,753 125,532 135,272 154,833 251,008 149,911 146,274 253,456
18,239 36,124 39,714 22,252 39,794 144,591 45,680 59,466 126,528 142,380
7,083 8,551 9,667 11,751 17,067 21,228 21,706 23,472 27,031 29,399
21,159 32,127 46,794 55,778 80,635 80,780 167,717 240,688 217,175 280,645
14,076 23,576 37,127 44,027 63,568 59,552 146,011 217,216 190,144 251,246
515,060 735,869 912,356 1,331,764 1,832,707 2,224,586 2,773,526 3,379,095 4,003,319 4,915,995
0 0 0 -2 0 0 0 0 0 0
493,901 703,742 865,562 1,275,986 1,752,072 2,143,806 2,605,809 3,138,407 3,786,144 4,635,350
352,830 460,340 577,191 1,074,480 1,293,827 1,549,830 1,939,603 2,418,963 3,058,789 3,453,009
0 0 0 5,930,073 4,059,817 4,790,515 5,751,225 8,652,928 7,201,124 7,231,549
4,392 5,089 6,578 9,070 19,881 18,168 16,943 19,994 23,346 29,893
606 1,552 2,029 2,985 6,276 3,920 2,964 3,523 4,690 8,201
81.9% -13.8% 33.7% 28.6% 16.8% 40.9% 11.4% 65.7% 38.4% 19.5%
19.6% 53.5% 22.4% 47.5% 41.7% 17.2% 24.6% 18.3% 20.1% 24.0%
44.1% 37.1% 33.9% 35.1% 55.9% 27.3% 27.1% 22.2% 22.7% 26.4%
21.5% 42.9% 24.0% 46.0% 37.6% 21.4% 24.7% 21.8% 18.5% 22.8%
21.5% 42.5% 23.0% 47.4% 37.3% 22.4% 21.6% 20.4% 20.6% 22.4%
31.2% 30.5% 25.4% 86.2% 20.4% 19.8% 25.1% 24.7% 26.5% 12.9%
32.9% 43.2% 36.2% 50.7% 42.0% 13.0% 25.7% 16.6% 28.6% 16.9%
48.8% 66.0% 31.1% 43.4% 44.1% 21.0% 8.8% 21.0% 30.7% 15.6%
37.2% 49.8% 34.6% 48.4% 42.6% 15.5% 20.3% 17.9% 29.2% 16.5%
34.0% 55.8% 43.2% 54.7% 47.7% 7.4% 20.4% 20.1% 30.8% 7.2%
35.6% 76.0% 59.6% 67.5% 72.0% 2.3% 23.9% 19.9% 16.6% 5.4%
33.5% 48.9% 36.5% 48.7% 34.8% 10.8% 18.2% 20.2% 40.1% 8.1%
39.7% 45.3% 27.6% 42.7% 37.5% 24.2% 20.2% 15.9% 27.7% 25.7%
48.1% 83.3% 22.7% 48.4% 26.6% 13.9% -10.9% -24.6% 16.7% -5.3%
30.6% 30.8% 31.1% 39.3% 41.2% 31.3% 33.2% 31.6% 30.2% 26.0%
7.7% 8.9% 10.6% 12.6% 15.0% 10.8% 10.6% 11.6% 12.3% 11.7%
6.8% 6.9% 7.0% 7.2% 7.4% 6.8% 7.3% 7.8% 7.6% 7.9%
3.3% 3.4% 4.3% 5.2% 6.6% 4.5% 4.3% 5.6% 6.0% 5.7%
3.5% 3.8% 4.7% 5.3% 6.8% 4.7% 4.7% 6.1% 6.4% 6.2%
4.4% 5.5% 6.2% 7.4% 8.4% 6.3% 6.3% 6.0% 6.3% 5.9%
3.9% 4.3% 4.4% 4.9% 4.9% 4.3% 4.4% 4.3% 4.6% 4.4%
- - - - 231.5 190.5 133.4 80.9 77.1 58.5
29.1 32.3 31.5 30.4 30.7 32.2 29.1 29.9 30.2 30.0
43.3% 45.0% 47.8% 49.9% 51.7% 48.0% 48.1% 49.0% 49.6% 45.6%
1.4% 1.4% 1.4% 1.4% 1.4% 1.5% 1.6% 1.7% 1.8% 1.9%
18.5% 17.7% 19.5% 17.7% 16.9% 16.1% 16.7% 18.7% 20.3% 21.3%
70.3 62.8 68.7 62.9 69.2 75.2 76.7 79.2 80.9 82.5
60.6 55.4 57.7 54.5 44.4 52.0 52.7 48.4 47.4 44.8
2.1% 2.1% 2.2% 1.9% 1.9% 2.1% 2.3% 2.4% 2.5% 2.6%
1.2% 1.9% 1.9% 2.2% 4.2% 2.3% 1.0% 0.9% 1.4% 1.7%
0.0% 0.0% 0.0% 0.0% 0.0% 21.7% 20.6% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0% 0.0% 3.3% 0.1% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 113.1% 64.3% 55.6% 57.6% 63.5% 61.9% 56.5%
1.7% 1.5% 1.4% 1.4% 2.0% 1.4% 1.1% 1.0% 1.0% 1.0%
0.2% 0.4% 0.4% 0.5% 0.6% 0.3% 0.2% 0.2% 0.2% 0.3%
86.2% 69.5% 69.2% 67.1% 68.4% 78.4% 82.5% 82.4% 79.9% 72.6%
2.1% 2.7% 2.4% 2.7% 2.3% 1.9% 1.3% 0.8% 0.8% 0.6%
1.3% 2.9% 3.2% 2.6% 4.2% 1.8% 1.2% 1.2% 1.3% 1.9%
68.5% 62.6% 63.3% 80.7% 70.6% 69.7% 69.9% 71.6% 76.4% 70.2%
9.6% 8.6% 8.6% 10.3% 10.6% 13.3% 12.2% 11.6% 11.1% 11.8%
12.2% 11.4% 13.1% 13.6% 15.7% 17.4% 16.2% 16.5% 16.8% 16.1%
12.2% 11.4% 13.1% 13.6% 15.7% 17.4% 16.2% 16.5% 16.8% 16.1%
0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
6.6% 7.2% 8.1% 9.0% 10.3% 8.0% 8.0% 8.9% 9.5% 9.2%
2.8% 3.1% 3.9% 4.4% 5.6% 3.8% 3.8% 4.9% 5.2% 5.1%
3.8% 4.1% 4.2% 4.7% 4.7% 4.1% 4.2% 4.0% 4.3% 4.1%
0.2% 0.2% 0.2% 0.4% 0.6% 0.5% 0.3% 0.3% 0.3% 0.3%
1.4% 1.7% 1.7% 1.6% 1.4% 1.5% 1.4% 1.4% 1.5% 1.4%
5.3% 6.0% 6.1% 6.7% 6.8% 6.1% 6.0% 5.7% 6.1% 5.9%
0.6% 0.8% 0.9% 1.2% 1.4% 1.1% 1.1% 1.1% 1.1% 0.9%
1.7% 1.9% 2.0% 2.2% 2.1% 1.8% 1.7% 1.7% 2.0% 1.8%
2.3% 2.7% 2.9% 3.3% 3.5% 2.9% 2.9% 2.8% 3.0% 2.7%
3.0% 3.3% 3.2% 3.4% 3.3% 3.2% 3.1% 2.9% 3.1% 3.2%
0.9% 1.3% 1.2% 1.3% 1.2% 1.1% 0.8% 0.5% 0.5% 0.4%
0.7% 0.6% 0.6% 0.6% 0.7% 0.7% 0.8% 0.8% 0.8% 1.0%
1.4% 1.4% 1.4% 1.4% 1.4% 1.5% 1.6% 1.7% 1.8% 1.9%
13.0 12.7 14.0 12.5 11.9 11.1 10.7 11.1 11.2 11.2
18.5% 17.7% 19.5% 17.7% 16.9% 16.1% 16.7% 18.7% 20.3% 21.3%
3,099 3,131 3,194 3,544 4,254 4,577 4,652 4,693 4,759 4,798
2.1 2.8 3.6 4.5 5.3 6.4 8.4 11.0 14.1 17.7
20.1% 29.5% 28.5% 25.5% 17.6% 22.1% 31.0% 30.4% 28.4% 25.0%
595.0 459.6 357.6 284.8 242.2 198.4 151.4 116.1 90.4 72.3
14.6 16.9 20.1 32.4 35.4 47.0 54.6 63.8 76.1 90.6
54.3% 16.0% 19.0% 61.0% 9.1% 32.9% 16.0% 16.9% 19.4% 19.1%
87.6 75.5 63.4 39.4 36.1 27.2 23.4 20.0 16.8 14.1
0.5 0.6 0.8 1.0 1.2 1.4 1.9 2.5 3.2 4.0
0.0% 0.0% 0.1% 0.1% 0.1% 0.1% 0.2% 0.2% 0.3% 0.3%
14.4 16.4 19.5 31.6 33.9 46.2 53.9 63.0 75.1 88.9
53.8% 14.2% 18.7% 62.0% 7.3% 36.1% 16.8% 16.9% 19.2% 18.4%
88.8 77.8 65.5 40.4 37.7 27.7 23.7 20.3 17.0 14.4
32.0% 30.5% 30.4% 30.3% 32.0% 31.3% 32.5% 31.2% 31.0% 33.6%
FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22
12 12 12 12 12 12 12 12
Annual Annual Annual Annual Annual Annual Annual Annual
Mar-2015 Mar-2016 Mar-2017 Mar-2018 Mar-2019 Mar-2020 Mar-2021 Mar-2022
A A A A A E E E
484,699 602,214 693,060 802,414 989,721 1,157,234 1,289,895 1,429,976
260,742 326,299 361,667 401,465 507,288 598,156 694,461 771,527
223,957 275,915 331,392 400,949 482,432 559,078 595,434 658,449
74,424 87,748 99,024 126,151 155,034 190,449 202,137 226,950

15,539 19,769 23,941 26,052 21,225 28,112 31,724 34,974
89,964 107,517 122,965 152,203 176,259 218,561 233,860 261,923
313,920 383,432 454,357 553,152 658,691 777,639 829,295 920,372
139,875 169,797 197,033 226,904 261,194 303,970 331,526 371,310
47,510 57,022 64,837 68,057 77,618 94,693 101,322 113,481
92,366 112,775 132,197 158,846 183,576 209,277 230,204 257,829
174,045 213,635 257,324 326,248 397,497 473,669 497,768 549,063
20,758 27,256 35,933 59,275 75,501 111,778 192,835 157,551
20,758 27,256 35,933 59,275 75,501 111,778 192,835 157,551

153,287 186,379 221,391 266,973 321,997 361,890 304,933 391,512
51,128 63,417 75,894 92,106 111,215 102,834 76,843 98,661
102,159 122,962 145,496 174,868 210,782 259,056 228,090 292,851
102,159 122,962 145,496 174,868 210,782 259,056 228,090 292,851

24,134.07 28,907.23 33,927.00 42,095.30 50,085.45 61,551.38 75,229.46 88,907.55
78,025 94,055 111,569 132,772 160,696 197,504 152,861 203,943
23.6% 23.5% 23.3% 24.1% 23.8% 23.8% 33.0% 30.4%
5,013 5,056 5,125 5,190 5,447 5,447 5,447 5,447

615,081 721,721 889,498 1,057,760 1,486,617 1,695,587 1,862,126 2,079,747
620,094 726,778 894,624 1,062,950 1,492,064 1,701,034 1,867,573 2,085,194
4,507,956 5,464,242 6,436,397 7,887,706 9,231,409 11,262,319 12,726,421 14,508,120

1,984,921 2,363,108 3,091,525 3,430,928 3,911,981 4,561,239 5,154,200 5,875,789
2,523,036 3,101,133 3,344,872 4,456,779 5,319,428 6,701,080 7,572,220 8,632,331
452,136 849,690 740,289 1,231,050 1,170,851 1,154,320 1,079,977 1,181,239
0 0 0 0 0 0 0 0
324,845 367,251 567,093 457,637 551,083 728,031 643,635 607,042
324,845 367,251 567,093 457,637 551,083 728,031 643,635 607,042
5,905,031 7,407,961 8,638,402 10,639,344 12,445,407 14,845,704 16,317,605 18,381,596
1,516,418 1,958,363 2,144,633 2,422,002 2,905,879 3,322,384 3,754,294 4,279,895
3,654,950 4,645,940 5,545,682 6,583,331 8,194,012 9,832,815 10,717,768 12,003,900

275,105 300,583 378,969 1,046,705 467,636 670,499 690,320 784,468
88,210 88,605 110,552 182,446 345,840 416,706 470,878 536,800
31,217 33,432 36,267 36,072 40,300 42,718 45,281 47,998

370,348 414,470 458,566 404,859 532,040 603,301 684,346 776,532
339,131 381,038 422,298 368,787 491,740 560,583 639,065 728,534

5,905,031 7,407,961 8,638,402 10,639,343 12,445,407 14,845,704 16,317,605 18,381,596
0 0 0 0 0 0 0 0
5,534,682 6,993,491 8,179,836 10,234,484 11,913,367 14,242,403 15,633,260 17,605,064
4,226,699 5,297,681 6,400,299 8,001,260 9,319,299 11,183,158 12,189,643 13,652,400
9,752,340 8,533,181 8,178,696 8,754,882 10,247,151 0 0 0
34,384 43,928 58,857 86,070 112,242 140,984 273,013 309,121
8,964 13,205 18,441 26,011 32,145 37,904 100,061 68,004
14.6% 87.9% -12.9% 66.3% -4.9% -1.4% -6.4% 9.4%

22.7% 21.2% 17.8% 22.5% 17.0% 22.0% 13.0% 14.0%
20.6% 27.1% 19.4% 18.7% 24.5% 20.0% 9.0% 12.0%
20.1% 25.5% 16.6% 23.2% 17.0% 19.3% 9.9% 12.6%
19.4% 26.4% 17.0% 25.1% 16.4% 19.5% 9.8% 12.6%
22.4% 25.3% 20.8% 25.0% 16.5% 20.0% 9.0% 12.0%
21.2% 23.2% 20.1% 21.0% 20.3% 15.9% 6.5% 10.6%
13.6% 19.5% 14.4% 23.8% 15.8% 24.0% 7.0% 12.0%
18.9% 22.1% 18.5% 21.7% 19.1% 18.1% 6.6% 11.0%

16.2% 21.4% 16.0% 15.2% 15.1% 16.4% 9.1% 12.0%
13.7% 20.0% 13.7% 5.0% 14.0% 22.0% 7.0% 12.0%
17.5% 22.1% 17.2% 20.2% 15.6% 14.0% 10.0% 12.0%
21.2% 22.7% 20.5% 26.8% 21.8% 19.2% 5.1% 10.3%
30.7% 31.3% 31.8% 65.0% 27.4% 48.0% 72.5% -18.3%

20.5% 20.4% 18.3% 20.2% 20.5% 22.9% -12.0% 28.4%
11.1% 10.8% 10.2% 10.3% 10.5% 10.1% 9.9% 9.9%

7.4% 8.3% 7.9% 7.2% 7.6% 7.3% 7.2% 7.1%
5.7% 5.9% 5.3% 4.6% 4.8% 5.0% 5.1% 5.1%
5.8% 5.8% 5.4% 4.9% 5.2% 5.2% 5.3% 5.2%

5.4% 4.9% 4.9% 5.8% 5.7% 5.1% 4.8% 4.8%
4.4% 4.4% 4.4% 4.4% 4.4% 4.3% 4.0% 4.0%
62.1 65.7 70.5 97.7 102.2 124.0 187.7 138.7
28.7 28.0 27.1 27.5 26.8 28.1 28.2 28.5

44.6% 44.3% 43.4% 41.0% 39.7% 39.1% 40.0% 40.3%
1.9% 1.8% 1.8% 1.8% 1.8% 1.9% 1.5% 1.7%
19.4% 18.3% 17.9% 17.9% 16.5% 16.2% 12.8% 14.8%
81.1 85.0 86.2 83.5 88.8 87.3 84.2 82.7

44.0 43.2 48.0 43.5 42.4 40.5 40.5 40.5
2.7% 2.6% 2.5% 2.4% 2.4% 2.5% 2.0% 2.3%
1.4% 1.4% 1.4% 2.1% 1.9% 2.0% 3.0% 2.0%

0.0% 41.8% 39.3% 47.7% 45.7% 0.0% 0.0% 0.0%
0.0% 40.1% 34.6% 70.7% 37.8% 0.0% 0.0% 0.0%
54.3% 55.5% 53.2% 0.0% 0.0% 0.0%
0.9% 0.9% 1.1% 1.3% 1.4% 1.4% 2.5% 2.6%

0.2% 0.3% 0.3% 0.4% 0.4% 0.4% 0.9% 0.6%
73.9% 69.9% 68.7% 69.8% 71.4% 73.1% 63.3% 78.0%
0.6% 0.7% 0.7% 1.0% 1.0% 1.2% 1.9% 1.4%

1.4% 1.8% 2.1% 2.4% 2.2% 2.2% 5.4% 3.3%
71.6% 71.5% 74.1% 75.2% 74.9% 75.3% 74.7% 74.3%
13.7% 13.2% 12.8% 13.3% 15.8% 14.9% 14.9% 14.8%

16.8% 15.5% 14.6% 14.8% 17.1% 16.0% 15.9% 15.7%
16.8% 15.5% 14.6% 14.8% 17.1% 16.0% 15.9% 15.7%
0.0% 0.0% 0.0% 12.3% 14.9% 0.0% 0.0% 0.0%
9.0% 9.0% 8.6% 8.3% 8.6% 8.5% 8.3% 8.2%

4.8% 4.9% 4.5% 4.2% 4.4% 4.4% 4.5% 4.4%
4.1% 4.1% 4.1% 4.2% 4.2% 4.1% 3.8% 3.8%
0.3% 0.3% 0.3% 0.3% 0.2% 0.2% 0.2% 0.2%
1.4% 1.3% 1.2% 1.3% 1.3% 1.4% 1.3% 1.3%
5.8% 5.8% 5.7% 5.7% 5.7% 5.7% 5.3% 5.3%
0.9% 0.9% 0.8% 0.7% 0.7% 0.7% 0.7% 0.7%
1.7% 1.7% 1.6% 1.6% 1.6% 1.5% 1.5% 1.5%
2.6% 2.6% 2.5% 2.4% 2.3% 2.2% 2.1% 2.1%
3.2% 3.2% 3.2% 3.4% 3.4% 3.5% 3.2% 3.2%
0.4% 0.4% 0.4% 0.6% 0.7% 0.8% 1.2% 0.9%
0.9% 1.0% 0.9% 1.0% 1.0% 0.8% 0.5% 0.6%
1.9% 1.8% 1.8% 1.8% 1.8% 1.9% 1.5% 1.7%
10.3 9.9 9.9 9.8 9.0 8.5 8.7 8.8
19.4% 18.3% 17.9% 17.9% 16.5% 16.2% 12.8% 14.8%
5,013 5,056 5,125 5,190 5,447 5,447 5,447 5,447

20.4 24.3 28.4 33.7 38.7 47.6 41.9 53.8
15.3% 19.3% 16.7% 18.7% 14.9% 22.9% -12.0% 28.4%
62.7 52.6 45.0 37.9 33.0 26.9 30.5 23.8
123.7 143.7 174.6 204.8 273.9 312.3 342.9 382.8
36.5% 16.2% 21.4% 17.3% 33.8% 14.0% 9.8% 11.7%
10.3 8.9 7.3 6.2 4.7 4.1 3.7 3.3
4.8 5.7 6.6 8.1 9.2 11.3 13.8 16.3
0.4% 0.4% 0.5% 0.6% 0.7% 0.9% 1.1% 1.3%
121.9 141.1 164.3 191.7 258.8 294.1 310.7 354.0
37.1% 15.8% 16.5% 16.6% 35.0% 13.6% 5.7% 13.9%
10.5 9.1 7.8 6.7 4.9 4.3 4.1 3.6
33.4% 34.0% 34.3% 34.5% 34.5% 28.4% 25.2% 25.2%
Q1FY17 Q2FY17 Q3FY17 Q4FY17 Q1FY18 Q2FY18 Q3FY18 Q4FY18
3 3 3 3 3 3 3 3
Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly
Jun 2016 Sep 2016 Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018
A A A A A A A A
165,160 170,699 176,056 181,144 186,687 196,703 205,813 213,211
87,346 90,764 92,965 90,593 92,980 99,182 102,669 106,634
77,814 79,936 83,091 90,551 93,707 97,521 103,143 106,577
25,297 26,175 27,441 32,659 31,853 32,500 36,098 42,066

2,769 2,835 3,986 1,804 3,314 3,559 2,594 220
28,066 29,010 31,427 34,463 35,167 36,059 38,692 42,286
105,881 108,945 114,518 125,014 128,874 133,580 141,835 148,863
47,689 48,700 48,425 52,220 53,675 55,401 57,322 60,506
15,852 16,572 16,886 15,527 16,575 17,158 16,913 17,412
31,837 32,128 31,539 36,693 37,100 38,243 40,410 43,094
58,192 60,246 66,093 72,794 75,199 78,179 84,513 88,357
8,667 7,490 7,158 12,618 15,588 14,762 13,514 15,411
8,667 7,490 7,158 12,618 15,588 14,762 13,514 15,411

49,525 52,756 58,935 60,176 59,612 63,417 70,999 72,946
17,136 18,202 20,281 20,275 20,673 21,907 24,573 24,953
32,389 34,553 38,653 39,901 38,938 41,510 46,426 47,993
32,389 34,553 38,653 39,901 38,938 41,510 46,426 47,993
32,389 34,553 38,653 39,901 38,938 41,510 46,426 47,993

0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
763,656 805,573 850,247 894,624 942,577 959,432 1,010,626 1,062,950
5,737,545 5,917,306 6,347,046 6,436,397 6,713,761 6,893,459 6,990,264 7,887,706
689,001 770,385 721,212 740,289 860,117 1,015,311 1,038,668 1,231,050
7,190,202 7,493,264 7,918,504 8,071,309 8,516,455 8,868,202 9,039,558 10,181,706

2,063,391 2,066,526 2,360,555 2,144,633 2,161,083 2,402,790 2,327,236 2,422,002
4,706,225 4,944,178 4,950,433 5,545,682 5,809,758 6,048,669 6,312,147 6,583,331
7,551,001 7,888,270 8,280,197 8,638,402 8,956,531 9,336,373 9,490,794 10,639,343
7,551,001 7,888,270 8,280,197 8,638,402 8,956,531 9,336,373 9,490,794 10,639,343
49,209 50,690 52,323 58,857 72,429 77,028 82,349 86,070

14,934 14,889 15,643 18,440 25,282 25,968 27,737 26,010
11.8% -6.4% 2.6% 16.2% 18.0% 2.3% 18.5%

17% 16% 10% 23%
23% 22% 28% 19%
19% 18% 15% 23%
19% 18% 15% 23%
20% 22% 24% 18%
25% 24% 23% 23%

25% 24% 23% 23%
22% 23% 24% 19%
13% 14% 18% 16%
5% 4% 0% 12%
17% 19% 28% 17%
29% 30% 28% 21%
80% 97% 89% 22%

20% 20% 20% 20%
11% 11% 11% 10% 10% 10% 10% 10%

8% 7% 7% 8% 7% 7% 7% 7%
0% 0% 0% 0% 0% 0% 0% 0%
6% 6% 5% 5% 5% 5% 5% 5%
4% 4% 4% 4% 4% 4% 4% 4%
26.5 26.6 27.4 27.6 27.3 27.0 27.3 28.4

45.0% 44.7% 42.3% 41.8% 41.6% 41.5% 40.4% 40.6%
2% 2% 2% 2% 2% 2% 2% 2%
17% 18% 19% 18% 17% 17% 19% 19%
82.0 83.6 78.0 86.2 86.5 87.7 90.3 83.5

39.9 40.0 45.0 48.0 44.0 42.9 43.9 43.5
0.0% 0.0% 0.0% 0.0% 2.1% 1.6% 2.9% 1.7%
1% 1% 1% 1% 1% 1% 1% 1%
0% 0% 0% 0% 0% 0% 0% 0%
70% 71% 70% 69% 65% 66% 66% 70%
0.7% 0.6% 0.6% 1.0% 1.1% 1.0% 0.9% 1.0%
13% 13% 14% 13% 14% 13% 14% 13%

16% 15% 16% 15% 16% 15% 16% 15%
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!



Q1FY19 Q2FY19 Q3FY19 Q4FY19 Q1FY20 Q2FY20 Q3FY20 Q4FY20
3 3 3 3 3 3 3 3
Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly
Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020
A A A A A A E E
225,490 241,996 258,903 263,333 273,916 281,663 293,697 298,851
117,354 124,362 133,135 132,438 140,973 146,512 151,968 146,810
108,136 117,634 125,768 130,895 132,943 135,150 141,729 152,041
41,013 40,484 44,470 46,423 47,583 51,080 59,928 69,018

-2,832 -328 4,740 2,289 2,120 4,807 6,765 -8,692
38,181 40,156 49,210 48,712 49,703 55,887 66,693 60,326
146,316 157,790 174,978 179,607 182,645 191,038 208,422 212,366
59,839 62,991 67,193 71,171 71,173 74,057 78,968 82,779
18,105 19,092 19,676 20,744 22,174 23,551 24,550 24,983
41,734 43,898 47,517 50,427 48,999 50,506 54,418 57,796
86,478 94,800 107,784 108,436 111,472 116,981 129,454 129,587
16,294 18,200 22,115 18,892 26,137 27,007 30,436 37,845
16,294 18,200 22,115 18,892 26,137 27,007 30,436 37,845

70,184 76,600 85,669 89,544 85,336 89,974 99,019 91,742
24,169 26,543 29,810 30,693 29,654 26,524 24,854 22,466
46,014 50,057 55,859 58,851 55,682 63,450 74,165 69,276
46,014 50,057 55,859 58,851 55,682 63,450 74,165 69,276
46,014 50,057 55,859 58,851 55,682 63,450 74,165 69,276

0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
1,076,701 1,372,321 1,429,676 1,492,063 1,556,381 1,557,629 1,635,908 1,701,034
8,057,853 8,333,641 8,525,019 9,231,409 9,545,537 10,216,149 10,674,335 11,262,319
1,210,243 1,427,186 1,234,598 1,170,851 1,008,941 922,362 1,132,772 1,154,320
10,344,797 11,133,148 11,189,293 11,894,324 12,110,859 12,696,141 13,443,014 14,117,673

2,756,787 3,000,859 2,797,532 2,905,879 2,985,032 3,071,480 3,112,941 3,322,384
7,086,487 7,508,381 7,809,512 8,194,012 8,297,298 8,969,838 9,360,295 9,832,815
10,804,091 11,698,979 11,685,563 12,445,407 12,652,529 13,250,720 13,953,356 14,845,704
10,804,091 11,698,979 11,685,563 12,445,407 12,652,529 13,250,720 13,953,356 14,845,704
95,386 100,977 109,029 112,242 117,690 125,082 134,273 0

29,071 30,282 33,015 32,145 35,672 37,910 44,684 0
-1.7% 17.9% -13.5% -5.2% -13.8% -8.6% 22.8% 1.9%

20% 21% 22% 17% 18% 23% 25% 22%
22.0% 24.1% 23.7% 24.5% 17.1% 19.5% 19.9% 20.0%
21% 25% 23% 17% 17% 13% 19% 19%
21% 25% 23% 17% 17% 13% 19% 19%
15% 21% 22% 23% 23% 15% 13% 16%
9% 11% 27% 15% 30% 39% 36% 24%

9% 11% 27% 15% 30% 39% 36% 24%
14% 18% 23% 21% 25% 21% 19% 18%
11.5% 13.7% 17.2% 17.6% 18.9% 17.6% 17.5% 16.3%
9% 11% 16% 19% 22% 23% 25% 20%
12% 15% 18% 17% 17% 15% 15% 15%
15% 21% 28% 23% 29% 23% 20% 20%
5% 23% 64% 23% 60% 48% 38% 100%

18% 21% 20% 23% 21% 27% 33% 18%
10.2% 10.3% 10.6% 10.5% 10.6% 10.4% 10.2% 10.0%

7% 7% 7% 7% 7% 7% 7% 6%
0% 0% 0% 0% 0% 0% 0% 0%
5.1% 5.2% 5.5% 5.3% 5.4% 5.4% 5.3% 4.8%
4.2% 4.3% 4.3% 4.4% 4.3% 4.2% 4.2% 4.2%
26.1 25.4 28.1 27.1 27.2 29.3 32.0 28.4

40.9% 39.9% 38.4% 39.6% 39.0% 38.8% 37.9% 39.0%
1.8% 1.8% 2.0% 2.0% 1.8% 2.0% 2.2% 1.9%
17.2% 16.4% 15.9% 16.1% 14.6% 16.3% 18.6% 16.6%
87.9 90.1 91.6 88.8 86.9 87.8 87.7 87.3

41.7 42.0 40.7 42.4 39.7 39.3 39.5 45.4
2.0% 1.8% 2.0% 1.7% 2.0% 1.7% 2.3% 0.0%
1.3% 1.3% 1.4% 1.4% 1.4% 1.4% 1.4% 0.0%

0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.5% 0.0%
70% 70% 70% 71% 70% 70% 67% #DIV/0!
1.0% 1.0% 1.2% 0.9% 1.3% 2.4% 1.3% 1.6%
13% 16% 16% 16% 16% 16% 17% 0%

15% 17% 17% 17% 17% 18% 19% 0%



Forecasts % change Old Forecasts
(Rs mn) FY20E FY21E FY20E FY21E FY20E
NII 559,078 595,434 (0.8) (10.1) 563,855
PPOP 473,669 497,768 (0.6) (11.7) 476,473
PAT 259,056 228,090 (2.6) (30.9) 266,047
ABV 294.1 310.7 (0.4) (8.6) 295.2
YE Mar (Rs mn) NII PPOP PAT EPS (Rs) ABVPS (Rs)
FY19A 482,432 397,497 210,782 38.7 258.8
FY20E 559,078 473,669 259,056 47.6 294.1
FY21E 595,434 497,768 228,090 41.9 310.7
FY22E 658,449 549,063 292,851 53.8 354.0
1QFY19A 2QFY19A 3QFY19A 4QFY19A 1QFY20A

Net Interest income 108,136 117,634 125,768 130,895 132,943
Treasury income (2,832) (328) 4,740 2,289 2,120
Other income 41,013 40,484 44,470 46,423 47,583
Total income 146,316 157,790 174,978 179,607 182,645
Operating expenses 59,839 62,991 67,193 71,171 71,173
Employee expenses 18,105 19,092 19,676 20,744 22,174
Other operating expenses 41,734 43,898 47,517 50,427 48,999
PPOP 86,478 94,800 107,784 108,436 111,472
Provisions 16,294 18,200 22,115 18,892 26,137
Tax 24,169 26,543 29,810 30,693 29,654
Net Profit 46,014 50,057 55,859 58,851 55,682
Balance Sheet (Rs mn)

Deposits 8,057,853 8,333,641 8,525,019 9,231,409 9,545,537
Advances 7,086,487 7,508,381 7,809,512 8,194,012 8,297,298
Investment 2,756,787 3,000,859 2,797,532 2,905,879 2,985,032
Gross NPL 95,386 100,977 109,029 112,242 117,690
Net NPL 29,071 30,282 33,015 32,145 35,672
%Growth
Net interest income 15.4 20.6 21.9 22.8 22.9
Other income 8.6 11.4 27.2 15.2 30.2
Total income 13.5 18.1 23.4 20.7 24.8
Operating expenses 11.5 13.7 17.2 17.6 18.9
Employee expense 9.2 11.3 16.3 19.1 22.5
Other operating expenses 12.5 14.8 17.6 17.0 17.4
Operating Profit 15.0 21.3 27.5 22.7 28.9
Total Provisions 4.5 23.3 63.6 22.6 60.4
PAT 18.2 20.6 20.3 22.6 21.0
Advances 22.0 24.1 23.7 24.5 17.1
Deposits 20.0 20.9 22.0 17.0 18.5
Profitability ratios (%)

Yield on Advances 10.2 10.3 10.6 10.5 10.6
Cost of Funds 5.1 5.2 5.5 5.3 5.4
NIM 4.2 4.3 4.3 4.4 4.3
RoAA 1.8 1.8 2.0 2.0 1.8
RoAE 17.2 16.4 15.9 16.1 14.6
Asset Quality (%)

Gross NPL ratio 1.3 1.3 1.4 1.4 1.4
Net NPL ratio 0.4 0.4 0.4 0.4 0.4
Fresh slippages ratio (ann.) 2.0 1.8 2.0 1.7 2.0
Coverage ratio 69.5 70.0 69.7 71.4 69.7
Prov/Avg Loans 1.0 1.0 1.2 0.9 1.3
Business & Other ratios (%)

CASA 41.7 42.0 40.7 42.4 39.7
Cost-income ratio 40.9 39.9 38.4 39.6 39.0
Non-int. income/Total income 26.1 25.4 28.1 27.1 27.2
Credit-deposit ratio 87.9 90.1 91.6 88.8 86.9
CAR 14.6 17.1 17.3 17.1 16.9
Tier-1 13.1 15.6 15.8 15.8 15.6
Y/E (Rs mn) FY16A FY17A FY18A FY19A FY20E

Net Interest income 275,915 331,392 400,949 482,432 559,078
Treasury income 19,769 23,941 26,052 21,225 28,112
Other income 87,748 99,024 126,151 155,034 190,449
Total income 383,432 454,357 553,152 658,691 777,639
Operating expenses 169,797 197,033 226,904 261,194 303,970
Employee expenses 57,022 64,837 68,057 77,618 94,693
Other operating expenses 112,775 132,197 158,846 183,576 209,277
PPOP 213,635 257,324 326,248 397,497 473,669
Provisions 27,256 35,933 59,275 75,501 111,778
Tax 63,417 75,894 92,106 111,215 102,834
Net Profit 122,962 145,496 174,868 210,782 259,056
YoY Growth (%)

NII 23.2 20.1 21.0 20.3 15.9
PPOP 22.7 20.5 26.8 21.8 19.2
PAT 20.4 18.3 20.2 20.5 22.9
Loans 27.1 19.4 18.7 24.5 20.0
Deposits 21.2 17.8 22.5 17.0 22.0
Total Assets 25.5 16.6 23.2 17.0 19.3
Profitability ratios (%)

Avg. YoA (%) 10.8 10.2 10.3 10.5 10.1
Avg. cost of deposits 5.9 5.3 4.6 4.8 5.0
NIM 4.4 4.4 4.4 4.4 4.3
Cost-income ratio 44.3 43.4 41.0 39.7 39.1
Tax Rate 34.0 34.3 34.5 34.5 28.4
CASA (%) 43.2 48.0 43.5 42.4 40.5
credit/deposit (%) 85.0 86.2 83.5 88.8 87.3
RWA/Total asset (%) 71.5 74.1 75.2 74.9 75.3
Asset Quality (%)

Gross NPL ratio 0.9 1.1 1.3 1.4 1.4
Net NPL ratio 0.3 0.3 0.4 0.4 0.4
PCR (%) 69.9 68.7 69.8 71.4 73.1
Slippages (%) 1.4 1.4 2.1 1.9 2.0
Prov/Avg Loans 0.7 0.7 1.0 1.0 1.2
Capital Adequacy (%)

CRAR (%) 15.5 14.6 14.8 17.1 16.0
CET-1 (%) - - 12.3 14.9 -
Tier-1 (%) 13.2 12.8 13.3 15.8 14.9
CAGR (%) 1 year 2 years 3 years 5 years 7 years

NII 20.3 20.7 20.5 21.2 21.6
PPOP 21.8 24.3 23.0 22.6 23.7
PAT 20.5 20.4 19.7 20.0 22.2
BPS 33.8 25.3 24.0 24.8 23.2
Balance Sheet FY16A FY17A FY18A FY19A FY20E

Equity 5,056 5,125 5,190 5,447 5,447
Reserve & surplus 721,721 889,498 1,057,760 1,486,617 1,695,587
Deposits 5,464,242 6,436,397 7,887,706 9,231,409 11,262,319
Borrowings 849,690 740,289 1,231,050 1,170,851 1,154,320
Other Liabilities 367,251 567,093 457,637 551,083 728,031
Total Liabilities 7,407,961 8,638,402 10,639,344 12,445,407 14,845,704
Cash and balance with RBI 300,583 378,969 1,046,705 467,636 670,499
Balance with banks/call money 88,605 110,552 182,446 345,840 416,706
Investments 1,958,363 2,144,633 2,422,002 2,905,879 3,322,384
Advances 4,645,940 5,545,682 6,583,331 8,194,012 9,832,815
Fixed & other assets 414,470 458,566 404,859 532,040 603,301
Total assets 7,407,961 8,638,402 10,639,343 12,445,407 14,845,704
Per share data (Rs)

EPS 24.3 28.4 33.7 38.7 47.6
BVPS 143.7 174.6 204.8 273.9 312.3
ABVPS 141.1 164.3 191.7 258.8 294.1
DPS 5.7 6.6 8.1 9.2 11.3
Valuation (x)
P/E (x) 52.6 45.0 37.9 33.0 26.9
P/B (x) 8.9 7.3 6.2 4.7 4.1
P/ABV (x) 9.1 7.8 6.7 4.9 4.3
Dividend yield (%) 0.4 0.5 0.6 0.7 0.9
RoAA (%) 1.8 1.8 1.8 1.8 1.9
RoAE (%) 18.3 17.9 17.9 16.5 16.2
RoRWA (%) 2.6 2.5 2.4 2.4 2.5
RoA Decomposition
Interest Income 9.0 8.6 8.3 8.6 8.5
Interest Expenses 4.9 4.5 4.2 4.4 4.4
Net Interest Income 4.1 4.1 4.2 4.2 4.1
Treasury Income 0.3 0.3 0.3 0.2 0.2
Other income from operations 1.3 1.2 1.3 1.3 1.4
Total income 5.8 5.7 5.7 5.7 5.7
Employee expenses 0.9 0.8 0.7 0.7 0.7
Total Operating expenses 2.6 2.5 2.4 2.3 2.2
Operating Profit 3.2 3.2 3.4 3.4 3.5
Loan Loss Provisions 0.4 0.4 0.6 0.7 0.8
Tax 1.0 0.9 1.0 1.0 0.8
Net Profit 1.8 1.8 1.8 1.8 1.9
Leverage Multiplier 9.9 9.9 9.8 9.0 8.5
ROE 18.3 17.9 17.9 16.5 16.2
Key Assumptions FY19 FY20E FY21E FY22E

Net interest Margin (%) 4.4% 4.3% 4.0% 4.0%
Total other income/ Total assets (%) 1.4% 1.5% 1.4% 1.4%
Cost to income ratio (%) 39.7% 39.1% 40.0% 40.3%
Provisions/ Avg loans (%) 1.0% 1.2% 1.9% 1.4%
Advances Growth (%) 24.5% 20.0% 9.0% 12.0%
Deposits Growth (%) 17.0% 22.0% 13.0% 14.0%
PAT Growth 20.5% 22.9% -12.0% 28.4%
Comparable Valuation Recommendation CMP Mkt. Cap (Rs mn) Price Target Target Date
HDFC Bank LONG 1,264 30-Sep-20
ICICI Bank NR
IndusInd Bank REDUCE
Particulars Equirus Estimates Consensus EstimatesDiff

FY20E 559,078 565,447 -1.1%
NII
FY21E 595,434 667,528 -10.8%
FY20E 259,056 264,319 -2.0%
PAT
FY21E 228,090 329,050 -30.7%
FY20E 294.1 309 -4.7%
BVPS
FY21E 310.7 356 -12.7%
FY18 FY19 FY20E FY21E FY22E

Net Interest Income (Rs mn) 400,949 482,432 559,078 595,434 658,449
Net interest margin (%) 4.4% 4.4% 4.3% 4.0% 4.0%
Other Income (Rs mn) 152,203 176,259 218,561 233,860 261,923
Total Income (Rs mn) 553,152 658,691 777,639 829,295 920,372
Operating Expense (Rs mn) 226,904 261,194 303,970 331,526 371,310
Cost to Income Ratio (%) 41.0% 39.7% 39.1% 40.0% 40.3%
Credit Cost (%) 97.7 102.2 124.0 187.7 138.7
PAT (Rs mn) 174,868 210,782 259,056 228,090 292,851
Advances Growth (%) 18.7% 24.5% 20.0% 9.0% 12.0%
Deposits Growth (%) 22.5% 17.0% 22.0% 13.0% 14.0%
Old Forecasts
FY21E
662,640
563,543
330,140
339.8
P/E (x) P/ABV (x) RoE (%) RoA (%) Credit Cost (bps)
33.0 4.9 16.5 1.8 102.2
26.9 4.3 16.2 1.9 124.0
30.5 4.1 12.8 1.5 187.7
23.8 3.6 14.8 1.7 138.7
2QFY20A 3QFY20E 4QFY20E

135,150 141,729 152,041
4,807 6,765 (8,692)
51,080 59,928 69,018
191,038 208,422 212,366
74,057 78,968 82,779
23,551 24,550 24,983
50,506 54,418 57,796
116,981 129,454 129,587
27,007 30,436 37,845
26,524 24,854 22,466
63,450 74,165 69,276
10,216,149 10,674,335 11,262,319

8,969,838 9,360,295 9,832,815
3,071,480 3,112,941 3,322,384
125,082 134,273 -
37,910 44,684 -
14.9 12.7 16.2

39.2 35.5 23.8
21.1 19.1 18.2
17.6 17.5 16.3
23.4 24.8 20.4
15.1 14.5 14.6
23.4 20.1 19.5
48.4 37.6 100.3
26.8 32.8 17.7
19.5 19.9 20.0
22.6 25.2 22.0
10.4 10.2 10.0

5.4 5.3 4.8
4.2 4.2 4.2
2.0 2.2 1.9
16.3 18.6 16.6
1.4 1.4 -
0.4 0.5 -
1.7 2.3 -
69.7 66.7 #DIV/0!
2.4 1.3 1.6
39.3 39.5 45.4

38.8 37.9 39.0
29.3 32.0 28.4
87.8 87.7 87.3
17.5 18.5 -
16.2 17.1 -
FY21E FY22E
595,434 658,449
31,724 34,974
202,137 226,950
829,295 920,372
331,526 371,310
101,322 113,481
230,204 257,829
497,768 549,063
192,835 157,551
76,843 98,661
228,090 292,851
6.5 10.6
5.1 10.3
(12.0) 28.4
9.0 12.0
13.0 14.0
9.9 12.6
9.9 9.9
5.1 5.1
4.0 4.0
40.0 40.3
25.2 25.2
40.5 40.5
84.2 82.7
74.7 74.3
2.5 2.6
0.9 0.6
63.3 78.0
3.0 2.0
1.9 1.4
15.9 15.7
- -
14.9 14.8
10 years
20.6
22.6
25.1
22.7
FY21E FY22E
5,447 5,447
1,862,126 2,079,747
12,726,421 14,508,120
1,079,977 1,181,239
643,635 607,042
16,317,605 18,381,596
690,320 784,468
470,878 536,800
3,754,294 4,279,895
10,717,768 12,003,900
684,346 776,532
16,317,605 18,381,596
41.9 53.8
342.9 382.8
310.7 354.0
13.8 16.3
30.5 23.8
3.7 3.3
4.1 3.6
1.1 1.3
1.5 1.7
12.8 14.8
2.0 2.3
8.3 8.2
4.5 4.4
3.8 3.8
0.2 0.2
1.3 1.3
5.3 5.3
0.7 0.7
1.5 1.5
2.1 2.1
3.2 3.2
1.2 0.9
0.5 0.6
1.5 1.7
8.7 8.8
12.8 14.8
P/E P/ABV RoA

FY19A FY20E FY21E FY19A FY20E FY21E FY19A FY20E FY21E
33.0 26.9 30.5 4.9 4.3 4.1 1.8 1.9 1.5
RoE Dividend Yield
FY19A FY20E FY21E FY19A
16.5 16.2 12.8 0.7
2 3 4 5 6
INCOME STATEMENT 1Q06A QoQ 2Q06A

Total Interest Income
INTERE Interest on loans/bills 5,337 NA 6,128
INTERE Income on investments 3,248 NA 3,761
Interest on others 357 NA 341
INTERES Total Int Income 8,941 NA 10,229
INTERES Int Expense 3,704 NA 4,108
NETINT Net Interest Income 5,237 NA 6,121
Other Income
COREFEE Core Fee Income 2,152 NA 2,178
FXINCOM Securities/ Fx Trading 250 NA 284
TREASUR Capital Gains 234 NA 119
Other Non Interest Income -1 NA 21
- of which Dividend from Subs
Recovery from NPAs NA
OTHERI Total Other Income 2,636 NA 2,602
Core Other Income 2,402 NA 2,483
TOTALI Total Income 7,872 NA 8,723

Core Income 7,638 NA 8,604
Operating Expenses
EMPLOYE Employee Expenses 1,091 NA 1,152
OTHERO Others 2,489 NA 2,865
OPERATITotal Operating Expenses 3,580 NA 4,016
PPOP Operating Profit 4,292 NA 4,706

Core operating profit 4,058 NA 4,587
Provision and Contingencies

PROVISI Provision for NPAs 1,086 NA 1,228
PROVISI Provision for standard assets NA
PROVISI Provision for investment depreciation NA
General Provisions
Floating Provisions
Others 573 NA 578
PROVISI Total Provision and Contingencies 1,659 NA 1,806
Exceptional item
PBT Profit before Tax 2,634 NA 2,900
TAX Tax Expense 799 NA 904
PAT Net Profit after Tax 1,835 NA 1,996
EXTRAIT Exceptional Items 0 NA 0
ADJPAT Adjusted profit 1,835 NA 1,996
Revenues
Wholesale 5,720 NA 6,747
Retail 11,154 NA 11,093
Treasury & Unallocated 1,098 NA 2,348
Total
Inter Segment
Net
Pre-tax Profits
Wholesale 1,340.00 NA 1,658.60
Retail 1,373.20 NA 160.20
Treasury & Unallocated -79.40 NA 81.40
Unallocated
Total
Balance Sheet
Capital & Liabilities
Capital 3,113 NA 3,119
Reserves & Surplus 44,346 NA 46,557
NETWOR Shareholders fund 47,459 NA 49,676
DEPOSIT Deposits 383,542 NA 454,461
BORROW Borrowings 108,858 NA 99,745
Other Liabilities & Provisions 0 NA 0
- General Loan Loss Provisions
- Specific Provisions
TOTALLIATotal 539,858 NA 603,882
Assets
Cash and Balances with RBI 44,955 NA 44,242
Balances with Bank 0 NA 0
I Investments 185,466 NA 202,696
N Advances 286,650 NA 327,640
Retail Loans 132,000 160,530
Commerical Loans 154,650 167,110
Fixed Assets 0 NA 0
Other Assets 22,787 NA 29,304
T Total
46% 49%
Customer Assets
TOTALBUTotal Business 670,192 NA 782,101
Operating Ratios - Calculated

Int Exp/Int Inc (%) 41.4% NA 40.2%
OTHERB Non-Int Inc/Tot Inc (%) 33.5% NA 29.8%
Core Fee Income/Core Revenues ( 31.4% NA 28.9%
CIRATIO Cost Income Ratio (%) 45.5% NA 46.0%
Staff cost / Operating expenses ( 30.5% NA 28.7%
Cost/ Core Income Ratio (%) 46.9% NA 46.7%
PPOP Prov/Pre-Prov Profits (%) 40.9% NA 39.4%
CDRATI Credit-Deposit Ratio (%) 74.7% NA 72.1%
Incremental LDR (%)
Capital Gains/PPP (%) 5.5% NA 2.5%
Capital Gains/Core revenue (%) 3.1% NA 1.4%
Retail Advances/ Tot. Adv.
Incremental retail advances/ Tot. Adv.
Effective tax rate (%) 30.3% NA 31.2%
CRCOST Credit Cost
Asset Quality
GROSSN Gross NPA 0 NA 0
GROSSNPGross NPA (%) - reported 0.00% NA 0.00%
Gross NPA (%) - computed 0.00% NA 0.00%
NETNPA Net NPA 0 NA 0
NETNPARNet NPA (%) - reported 0.00% NA 0.00%
Net NPA (%) - Computed 0.00% NA 0.00%
Loan loss Provisions 0 0
COVERACoverage Ratio (%) - computed #DIV/0! #DIV/0!
Coverage ratio including technical (%) - reported
LLP/Average Qtrly Loans
OSREST Restructured loans NA
RESTRU Additions in restructured loans during #REF! NA 0
PERCEN % of restructured Loans
Opening Gross NPA

Fresh additions to NPAs
ReductioReductions
Upgradations
Recoveries
Write-offs
Closing GNPA
Business mix (as per internal classification)
Loan Composition
Domestic Advances
International Advances
Retail (as per Regulatory)
Domestic Corporates (as per Regultory)
OVERSEAInternational Corporates
CORPORDomestic Corporates (as per Internal)
Loan composition (Internal)

CARLOA Car Loans NA
CVLOANCV loans NA
2WLOAN2 wheeler loans NA
AUTOLOSub-total - Auto Loans NA
PERSON Personal loans NA
BBLOAN Business banking NA
LAS Loan against shares NA
CREDITCCredit Cards NA
HOMELOHome loans NA
GOLDLOGold Loans
KISANLOKisan Gold loans
OTHERL Other Retail NA
RETAILLRetail Total NA
Loan composition (%)

Car Loans
CV loans
2 wheeler loans
Sub-total - Auto Loans
Personal loans
Business banking
Loan against shares
Credit Cards
Home loans
Gold loans
Kisan Gold loans
Other Retail
Retail Total
Loan composition (% of Total)

Car Loans
CV loans
2 wheeler loans
Personal loans
Business banking
Loan against shares
Credit Cards
Home loans
Gold loans
Kisan Gold loans
Other Retail
Retail Total
Business mix (as per Regulatory classification)

Loan composition
Car Loans
CV loans
2 wheeler loans
Personal loans
Business banking
Loan against shares
Credit Cards
Home loans
Gold Loans
Kisan Gold loans
Other Retail
Retail Total
Loan composition (%)

Car Loans
CV loans
2 wheeler loans
Personal loans
Business banking
Loan against shares
Credit Cards
Home loans
Gold loans
Kisan Gold loans
Other Retail
Retail Total
Loan composition (% of total)

Car Loans
CV loans
2 wheeler loans
Personal loans
Business banking
Loan against shares
Credit Cards
Home loans
Gold loans
Kisan Gold loans
Other Retail
Retail Total
Segmentwise loan breakup

Auto Loans 85,000 NA 97,500
Consumer & Other Loans 47,000 NA 63,030
DEPOSITS
CA Demand 103,200 NA 127,270
SA Savings 129,250 NA 143,950
TERM Time 151,092 NA 183,241
SARATIOSA Ratio
CASA CASA - reported 60.61% NA 59.68%
CASA - computed 60.6% NA 59.7%
RETAIL Retail deposit- LCR
LCR Liquidity coverage ratio
Qtrly average B/S Values

Avg. Deposits NA 419,001
Avg. Borrowings NA 104,302
Avg. Investments NA 194,081.30
Avg. Advances NA 307,145
Avg. Total Assets NA
Avg. Interest earning assets NA 501,226
Avg. Total Networth
Yield and cost estimates
YOF Yield on Funds - reported NA
Yield on Interest Earning Advanes - calc NA
YOA Yield on Advances - reported NA

YOACAL Yield on Advances - Calc #VALUE! NA 8.0%
YOI Yield on Invesments - reported NA

YOICALCYield on Invesments - calc #VALUE! NA 7.8%
COD Cost of Deposits - reported NA
COB Cost of Borrowings - reported NA
COF Cost of Funds - reported NA

COFCALCost of Funds - Computed
NIMs, RoA and RoE

NIM NIM (%) - reported (on earning assets) 3.90% NA 4.00%
NIM on Average Assets - calc #VALUE! NA #VALUE!

NIMCALCNIM on avg. interest earning assets - c #DIV/0! NA 4.9%
ROA RoA (%) - reported NA

ROACAL RoA (%) - calc #VALUE! NA #VALUE!
ROE RoE(%) - Calc

ROECAL Roe (%) - calc
Capital Adequacy
TIER1 Tier I 9.5% NA 8.4%
CET 1 Ratio
Tier II 2.4% NA 2.0%
CRAR Total CRAR 11.9% NA 10.4%
RWA
Credit RWA
Market Risk RWA
Operational Risk RWA
Valuation ratios & other datapoints

EPS EPS - basic (Rs.) - reported
EPSCALC Computed EPS
EPS - diluted (Rs.) - reported
Book Value (Rs.)- reported
Adj. BV (Rs) - reported
BRANCHBranches - reported 495 NA 531
ATM ATM - reported 1,202 NA 1,260
Towns - reported
% of network in Semi-urban/rural
EMPLO Number of employees - reported
Customer base (mn)
Sale of loans to ARC during Qtr

Slippage rate during Qtr
Slippage during qtr
Investment in CPs
HDFC portfolio buyout during Qtr
SLR book
RWA (standalone bank)
Outstanding Floating provisions
International Loan book
Movement of Gross NPLs
Opening Balance
SLIPPA Fresh Slippages
REDUCT Reductions
Upgrades
Writeoffs
Recoveries
Closing Balance
FRESHSL Slippage Ratio
Data from Basel III discosures
Cumulative
Opening Balance
Fresh Slippages
Reductions
Upgrades
Writeoffs
Recoveries
Closing Balance
Qtrly
Opening Balance
Fresh Slippages
Reductions
Upgrades
Writeoffs
Recoveries
Closing Balance
7 8 9 10 11 12
YoY QoQ 3Q06A YoY QoQ 4Q06A
NA 15% 7,311 NA 19% 8,227

NA 16% 4,182 NA 11% 5,126
NA (0) 305 NA (0) 432
NA 14% 11,798 NA 15% 13,785
NA 11% 5,092 NA 24% 6,391
NA 17% 6,706 NA 10% 7,394
NA 1% 2,754 NA 26% 3,367

NA 14% 201 NA -29% 463
NA -49% -6 NA -105% -868
NA -4200% 12 NA -40% 80
NA NA NA NA
NA -1% 2,961 NA 14% 3,042
NA 3% 2,967 NA 20% 3,910
NA 11% 9,667 NA 11% 10,436

NA 13% 9,673 NA 12% 11,304
NA 6% 1,250 NA 9% 1,376
NA 15% 3,241 NA 13% 3,448
NA 12% 4,491 NA 12% 4,823
NA 10% 5,176 NA 10% 5,612

NA 13% 5,182 NA 13% 6,480
NA 13% 1,380 NA 12% 1,103

NA NA NA NA
NA NA NA NA
NA 1% 592 NA 2% 713
NA 9% 1,972 NA 9% 1,816
NA 10% 3,205 NA 10% 3,796
NA 13% 961 NA 6% 1,164
NA 9% 2,244 NA 12% 2,632
NA NA 0 NA NA 0
NA 9% 2,244 NA 12% 2,632
NA 18% 7,453 NA 10% 8,614

NA -1% 13,564 NA 22% 15,928
NA 114% 1,808 NA -23% 2,485
NA 24% 1,865.40 NA 12% 514.70

NA -88% 1,291.20 NA 706% 3,192.10
NA -203% 48.10 NA -41% 89.60
NA 0% 3,122 NA 0% 3,131
NA 5% 48,871 NA 5% 49,864
NA 5% 51,993 NA 5% 52,995
NA 18% 511,946 NA 13% 557,968
NA -8% 112,291 NA 13% 124,100
NA NA 0 NA NA 0
NA 12% 676,230 NA 12% 735,064
NA -2% 55,992 NA 27% 69,190

NA NA 0 NA NA 0
NA 9% 203,995 NA 1% 244,628
NA 14% 386,380 NA 18% 389,924
194,590 212,311
191,790 177,613
NA NA 0 NA NA 0
NA 29% 29,863 NA 2% 31,322
50% 54%
NA 17% 898,326 NA 15% 947,892
NA -127 43.2% NA 300 46.4%

NA -365 30.6% NA 81 29.1%
NA -259 30.7% NA 182 34.6%
NA 57 46.5% NA 41 46.2%
NA -180 27.8% NA -84 28.5%
NA -19 46.4% NA -25 42.7%
NA -149 38.0% NA -133 28.0%
NA -264 75.5% NA 338 69.9%
NA -292 -0.1% NA -264 -15.5%

NA -168 -0.1% NA -145 -7.7%
NA 85 30.0% NA -119 30.7%
NA NA 0 NA NA 0
NA 0 0.00% NA 0 0.00%
NA 0 0.00% NA 0 0.00%
NA NA 0 NA NA 0
NA 0 0.00% NA 0 0.00%
NA 0 0.00% NA 0 0.00%
0 0
#DIV/0! #DIV/0!
NA NA NA NA
NA NA 0 NA NA 0
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA 15% 116,500 NA 19% 114,500
NA 34% 78,090 NA 24% 97,811
NA 23% 120,210 NA -6% 147,525

NA 11% 151,850 NA 5% 161,858
NA 21% 239,886 NA 31% 248,585
NA -93 53.14% NA -654 55.45%

NA -93 53.1% NA -654 55.4%
NA NA 483,204 NA 15% 534,957

NA NA 106,018 NA 2% 118,196
NA NA 203,345.55 NA 5% 224,311.45
NA NA 357,010 NA 16% 388,152
NA NA NA NA
NA NA 560,356 NA 12% 612,463
NA 0 NA 0
NA 0 NA 0
NA 0 NA 0
NA NA 8.2% NA 21 8.5%
NA 0 NA 0
NA NA 8.2% NA 48 9.1%
NA 0 NA 0
NA 0 NA 0
NA 0 NA 0
NA 10 3.90% NA -10 4.00%
NA NA #VALUE! NA NA #VALUE!
NA NA 4.8% NA -10 4.8%
NA 0 NA 0
NA -110 0.0% NA -840 8.6%
NA -40 10.3% NA 830 2.8%

NA -150 10.3% NA -10 11.4%
NA 7% 535 NA 1% 535
NA 5% 1,326 NA 5% 1,323
13 14 15 16 17 18
NA 13% #REF! NA NA 9,958

NA 23% #REF! NA NA 5,357
NA 0 #REF! NA NA 465
NA 17% 15,043 68% 9% 15,780
NA 26% 6,867 85% 7% 7,901
NA 10% 8,176 56% 11% 7,880
NA 22% 2,906 35% -14% 3,141

NA 130% 558 123% 21% 582
NA 14367% -622 -366% -28% 206
NA 546% 67 -13540% -15% 48
NA NA NA NA
NA 3% 2,909 10% -4% 3,977
NA 32% 3,531 47% -10% 3,771
NA 8% 11,086 41% 6% 11,857

NA 17% 11,708 53% 4% 11,651
NA 10% 1,664 52% 21% 1,813

NA 6% 3,864 55% 12% 3,978
NA 7% 5,527 54% 15% 5,791
NA 8% 5,558 29% -1% 6,066

NA 25% 6,180 52% -5% 5,860
NA -20% 1,854 71% 68% 2,207

NA NA NA NA
NA NA NA NA
NA 21% 186 -68% -74% 274

NA -8% 2,040 23% 12% 2,481
NA 18% 3,518 34% -7% 3,585
NA 21% 1,125 41% -3% 955
NA 17% 2,393 30% -9% 2,629
NA NA 0 NA NA 0
NA 17% 2,393 30% -9% 2,629
NA 16% 11,124 94% 29% 11,636

NA 17% 16,858 51% 6% 19,055
NA 37% 1,581 44% -36% 1,796
NA -72% 1,374.90 3% 167% 1,080.40

NA 147% 2,290.60 67% -28% 2,474.20
NA 86% -147.20 85% -264% 30.10
NA 0% 3,139 1% 0% 3,144
NA 2% 52,496 18% 5% 55,360
NA 2% 55,634 17% 5% 58,504
NA 9% 606,300 58% 9% 634,470
NA 11% 135,033 24% 9% 150,659
NA NA 0 NA NA 0
NA 9% 796,968 48% 8% 843,633
NA 24% 70,586 57% 2% 63,068

NA NA 0 NA NA 0
NA 20% 288,414 56% 18% 307,506
NA 1% 401,640 40% 3% 440,260
219,210 66% 3% 252,110
182,430 18% 3% 188,150
NA NA 0 NA NA 0
NA 5% 36,329 59% 16% 32,798
NA 6% 1,007,940 50% 6% 1,074,730
NA 320 45.6% 422 -71 50.1%

NA -149 26.2% -723 -290 33.5%
NA 391 30.2% -128 -442 32.4%
NA -24 49.9% 438 364 48.8%
NA 69 30.1% -38 158 31.3%
NA -376 47.2% 34 454 49.7%
NA -1,002 33.0% -786 499 42.3%
NA -559 66.2% -849 -364 69.4%
NA -1,535 -11.2% -1,664 428 3.4%

NA -762 -5.3% -838 237 1.8%
NA 69 32.0% 167 132 26.6%
NA NA 0 NA NA 0
NA 0 0.00% 0 0 0.00%
NA 0 0.00% 0 0 0.00%
NA NA 0 NA NA 0
NA 0 0.00% 0 0 0.00%
NA 0 0.00% 0 0 0.00%
0 0
#DIV/0! #DIV/0!
NA NA NA NA
NA NA 0 NA NA 0
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA -2% 121,500 43% 6% 132,500
NA 25% 97,710 108% 0% 119,610
NA 23% 146,740 42% -1% 148,510

NA 7% 172,440 33% 7% 182,410
NA 4% 287,120 90% 16% 303,550
NA 231 52.64% -796 -280 52.16%

NA 231 52.6% -796 -280 52.2%
NA 11% 582,134 NA 9% 620,385

NA 11% 129,567 NA 10% 142,846
NA 10% 266,521.20 NA 19% 297,960.00
NA 9% 395,782 NA 2% 420,950
NA NA NA NA
NA 9% 662,303 NA 8% 718,910
NA 0 0 0
NA 0 0 0
NA 0 0.00% 0 0 9.46%
NA 29 0.0% NA -848 9.5%
NA 0 0.00% 0 0 7.19%
NA 91 0.0% NA -914 7.2%
NA 0 0 0
NA 0 0 0
NA 0 0 0
NA 10 4.10% 20 10 3.80%
NA 4 4.9% NA 11 4.4%
NA 0 0 0
NA 860 8.3% -120 -30 8.2%
NA -750 3.4% 100 60 3.9%

NA 110 11.7% -20 30 12.1%
NA 0% 535 8% 0% 535
NA 0% 1,348 12% 2% 1,382
19 20 21 22 23 24
63% NA 0 -100% -100% 12,953

42% NA 0 -100% -100% 6,010
0 NA 0 (1) (1) 303
54% 5% 16,989 44% 8% 19,266
92% 15% 8,307 63% 5% 8,721
29% -4% 8,682 29% 10% 10,545
44% 8% 3,314 20% 6% 3,563

105% 4% 630 213% 8% 1,033
73% -133% -211 3417% -202% -656
135% -28% 0 -100% -100% 4
NA NA NA NA
53% 37% 3,733 26% -6% 3,944
52% 7% 3,944 33% 5% 4,600
36% 7% 12,415 28% 5% 14,489

35% 0% 12,626 31% 8% 15,145
57% 9% 2,138 71% 18% 2,153

39% 3% 3,912 21% -2% 4,686
44% 5% 6,050 35% 4% 6,839
29% 9% 6,365 23% 5% 7,650

28% -5% 6,576 27% 12% 8,306
80% 19% 1,929 40% -13% 2,609

NA NA NA NA
NA NA NA NA
-53% 47% 131 -78% -52% 62

37% 22% 2,060 4% -17% 2,671
24% 2% 4,305 34% 20% 4,979
6% -15% 1,349 40% 41% 1,544
32% 10% 2,956 32% 12% 3,436
NA NA 0 NA NA 0
32% 10% 2,956 32% 12% 3,436
72% 5% 13,240 78% 14% 14,944

72% 13% 19,999 47% 5% 21,736
-24% 14% 1,311 -28% -27% 2,417
-35% -21% 2,440.00 31% 126% 2,572.00

1444% 8% 1,859.80 44% -25% 2,132.60
-63% -120% 5.40 -89% -82% 274.70
1% 0% 3,152 1% 0% 3,194
19% 5% 58,683 20% 6% 61,138
18% 5% 61,835 19% 6% 64,332
40% 5% 667,487 30% 5% 682,979
51% 12% 166,755 49% 11% 165,045
NA NA 0 NA NA 0
40% 6% 896,077 33% 6% 912,356
43% -11% 80,546 44% 28% 91,539

NA NA 0 NA NA 0
52% 7% 238,458 17% -22% 275,186
34% 10% 538,980 39% 22% 499,910
57% 15% 260,500 34% 3% 283,270
13% 3% 278,480 45% 48% 216,640
NA NA 0 NA NA 0
12% -10% 38,094 28% 16% 45,722
37% 7% 1,206,467 34% 12% 1,182,889
991 442 48.9% 574 -117 45.3%

372 730 30.1% -56 -347 27.2%
351 221 31.2% 56 -113 30.4%
280 -102 48.7% 227 -11 47.2%
264 121 35.3% 751 404 31.5%
302 249 47.9% 149 -179 45.2%
297 933 31.3% -672 -1,102 32.2%
-270 315 80.7% 527 1,136 73.2%
87 1,459 -3.3% -320 -671 -8.6%

38 708 -1.7% -161 -344 -4.3%
-451 -533 31.3% 135 468 31.0%
NA NA 0 NA NA 0
0 0 0.00% 0 0 0.00%
0 0 0.00% 0 0 0.00%
NA NA 0 NA NA 0
0 0 0.40% 40 40 0.00%
0 0 0.00% 0 0 0.00%
0 0
#DIV/0! #DIV/0!
NA NA NA NA
NA NA 0 NA NA 0
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
36% 9% 128,000 10% -3% 138,000
90% 22% 132,500 70% 11% 145,270
17% 1% 174,330 45% 17% 198,120

27% 6% 192,380 27% 5% 195,850
66% 6% 300,777 25% -1% 289,009
-752 -49 54.94% 180 278 57.68%

-752 -49 54.9% 180 278 57.7%
48% 7% 650,979 35% 5% 675,233

37% 10% 158,707 50% 11% 165,900
54% 12% 272,981.75 34% -8% 256,821.75
37% 6% 489,620 37% 16% 519,445
NA NA NA NA
43% 9% 762,602 36% 6% 776,267
0 0 0 0
0 0 0 0
946 946 0.00% 0 -946 9.97%

148 946 0.0% -819 -946 10.0%
719 719 0.00% 0 -719 9.36%

-56 719 0.0% -823 -719 9.4%
0 0 0 0
0 0 0 0
0 0 0 0
-20 -30 3.90% 0 10 4.50%
-50 -55 4.6% -23 17 5.4%
0 0 0 0
-20 -10 8.4% 840 20 8.6%
190 50 4.4% -590 50 4.5%

170 40 12.8% 250 70 13.1%
1% 0% 583 9% 9% 684
10% 3% 1,471 11% 6% 1,605
25 26 27 28 29 30
YoY QoQ 1Q08A 1Q08 CBOP 1Q08 merged YoY
57% NA 14,536 0 0 NA
17% NA 5,605 0 0 NA
(0) NA 551 0 0 NA
40% 13% 20,692 4,780 25,472 38%
36% 5% 10,836 3,386 14,223 58%
43% 21% 9,855 1,394 11,249 21%
6% 8% 3,722 0 0 28%
123% 64% 1,465 0 0 163%
-24% 211% 526 0 526 -185%
-95% NA 12 1,547 6,746 -82%
NA NA NA
30% 6% 5,725 1,547 7,272 97%
18% 17% 5,199 1,547 6,746 47%
39% 17% 15,581 2,941 18,521 41%

34% 20% 15,054 2,941 17,995 29%
57% 1% 2,839 669 3,508 71%

36% 20% 4,905 1,430 6,335 27%
42% 13% 7,744 2,099 9,842 40%
36% 20% 7,837 842 8,679 41%

28% 26% 7,311 842 8,153 18%
137% 35% 2,997 384 3,381 62%

NA NA NA
NA NA NA
-91% -53% 74 18 92 -60%

47% 30% 3,071 402 3,473 51%
31% 16% 4,766 440 5,206 35%
33% 14% 1,553 172 1,725 38%
31% 16% 3,212 268 3,481 34%
NA NA 0 0 0 NA
31% 16% 3,212 268 3,481 34%
73% 13% 16,584 0 0 49%

36% 9% 25,094 0 0 49%
-3% 84% 1,317 0 0 -17%
400% 5% 1,947.00 0.00 0.00 42%

-33% 15% 2,743.70 0.00 0.00 20%
207% 4987% 74.90 0.00 0.00 -151%
2% 1% 3,332 0 0 6%
23% 4% 77,637 0 0 48%
21% 4% 80,969 0 0 46%
22% 2% 816,040 160,994 977,034 35%
33% -1% 159,939 0 0 18%
NA NA 0 0 0 NA
24% 2% 1,056,948 160,994 977,034 33%
32% 14% 121,031 0 0 71%

NA NA 0 0 0 NA
12% 15% 336,117 - - 17%
28% -7% 553,930 119,406 673,336 38%
33% 9% 306,884 - - 40%
22% -22% 247,046 - - 35%
NA NA 0 0 0 NA
46% 20% 45,875 0 0 26%
25% -2% 1,369,970 280,400 1,650,370 36%
-110 -363 52.4% 70.8% 55.8% 672

-192 -285 36.7% 52.6% 39.3% 1,050
-421 -86 34.5% 52.6% 37.5% 437
98 -153 49.7% 71.4% 53.1% -16
296 -386 36.7% 31.9% 35.6% 656
249 -276 51.4% 71.4% 54.7% 423
413 83 42.0% 47.7% 42.6% 900
331 -755 67.9% 74.2% 68.9% 164
689 -526 6.7% 0.0% 6.1% 1,790

335 -266 3.5% 0.0% 2.9% 881
33 -33 32.6% 39.0% 33.1% 61
NA NA 7,000 0 0 NA
0 0 1.25% 0.00% 0.00% 125
0 0 1.25% 0.00% 0.00% 125
NA NA 2,216 0 0 NA
0 -40 0.40% 0.00% 0.00% 40
0 0 0.40% 0.00% 0.00% 40
4,784 0 0
68.3% #DIV/0! #DIV/0!
NA NA NA
NA NA 0 0 0 NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
21% 8% 145,500 0 0 20%
49% 10% 161,384 0 0 65%
34% 14% 210,850 - - 44%

21% 2% 209,250 - - 21%
16% -4% 395,940 - - 38%
224 275 51.48% 0.00% 0.00% -116

224 275 51.5% 100.0% 100.0% -116
26% 4% -100%
40% 5% -100%
14% -6% -100%
34% 6% -100%
NA NA NA
27% 2% -100%
0 0 0
0 0 0
997 997 #DIV/0! 0

150 997 #DIV/0! #DIV/0! #DIV/0! NA
936 936 #DIV/0! 0

22 936 #DIV/0! #DIV/0! #DIV/0! NA
0 0 0
0 0 0
0 0 0
50 60 4.00% 0.00% 0.00% -10
NA NA #DIV/0! #DIV/0! #DIV/0! NA

60 88 #DIV/0! #DIV/0! #DIV/0! NA
0 0 1.24% 1.43% 1.53% 124

NA NA #DIV/0! #DIV/0! #DIV/0! NA
-3 17 9.2% 0.0% 0.0% 90
173 13 3.9% 0.0% 0.0% 50

170 30 13.1% 0.0% 0.0% 140
28% 17% 753 0 0 41%
21% 9% 1,716 0 0 27%
31 32 33 34 35 36
QoQ 2Q08 merged 2Q08 CBOP 2Q08A YoY QoQ
12% 0 0 16,369 64% 13%

-7% 0 0 6,638 24% 18%
1 0 0 621 0 0
7% 29,002 5,374 23,628 50% 14%
24% 15,670 3,670 12,001 52% 11%
-7% 13,331 1,704 11,627 48% 18%
4% 0 0 3,919 25% 5%
42% 0 0 387 -34% -74%
-180% 533 71 462 124% -12%
184% 5,861 1,500 56 16% 357%
NA NA NA
45% 6,394 1,571 4,824 21% -16%
13% 5,861 1,500 4,362 16% -16%
8% 19,726 3,275 16,451 39% 6%

-1% 19,193 3,204 15,989 37% 6%
32% 3,919 728 3,190 76% 12%

5% 6,589 1,596 4,993 26% 2%
13% 10,508 2,324 8,184 41% 6%
2% 9,218 951 8,267 36% 5%

-12% 8,685 880 7,805 33% 7%
15% 3,053 321 2,732 24% -9%

NA NA NA
NA NA NA
20% 144 (18) 162 -41% 118%

15% 3,197 303 2,894 17% -6%
-4% 6,020 648 5,373 50% 13%
1% 1,919 231 1,688 77% 9%
-7% 4,101 416 3,685 40% 15%
NA 0 0 0 NA NA
-7% 4,101 416 3,685 40% 15%
11% 0 0 0 -100% -100%

15% 0 0 0 -100% -100%
-46% 0 0 0 -100% -100%
-24% 0.00 0.00 0.00 -100% -100%

29% 0.00 0.00 0.00 -100% -100%
-73% 0.00 0.00 0.00 -100% -100%
4% 0 0 3,535 12% 6%
27% 0 0 105,343 90% 36%
26% 0 0 108,878 86% 34%
19% 1,103,602 192,912 910,690 44% 12%
-3% 0 0 195,886 30% 22%
NA 0 0 0 NA NA
16% 1,103,602 192,912 1,215,454 44% 15%
32% 0 0 138,514 120% 14%

NA 0 0 0 NA NA
22% - - 404,551 32% 20%
11% 760,969 139,849 621,120 41% 12%
8% - 337,680 34% 10%
14% - 283,440 51% 15%
NA 0 0 0 NA NA
0% 0 0 51,265 56% 12%
16% 1,864,571 332,761 1,531,810 43% 12%
711 54.0% 68.3% 50.8% 73 -158

953 32.4% 48.0% 29.3% -422 -742
416 30.5% 46.8% 27.3% -509 -726
250 53.3% 71.0% 49.7% 91 5
517 37.3% 31.3% 39.0% 768 233
628 54.8% 72.5% 51.2% 148 -25
986 36.8% 34.5% 37.1% -526 -493
-532 69.0% 72.5% 68.2% -119 32
1,529 5.8% 7.5% 5.6% 219 -113

783 2.8% 2.2% 2.9% 112 -61
159 31.9% 35.7% 31.4% 477 -118
NA 0 0 7,700 NA 10%
125 0.00% 0.00% 1.23% 123 -2
125 0.00% 0.00% 1.23% 123 -2
NA 0 0 2,484 NA 12%
40 0.00% 0.00% 0.40% 40 0
40 0.00% 0.00% 0.40% 40 0
0 0 5,216
#DIV/0! #DIV/0! 67.7%
NA NA NA
NA 0 0 0 NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
5% 0 0 167,500 26% 15%
11% 0 0 170,180 42% 5%
6% - - 254,560 71% 21%

7% - - 223,730 23% 7%
37% - - 432,400 42% 9%
-620 0.00% 0.00% 52.52% 36 104

-620 100.0% 100.0% 52.5% 36 104
-100% -100% NA
-100% -100% NA
-100% -100% NA
-100% -100% NA
NA NA NA
-100% -100% NA
0 0 0
0 #DIV/0! #DIV/0! NA NA
-997 #DIV/0! -946 0

NA #DIV/0! #DIV/0! #DIV/0! NA NA
-936 #DIV/0! -719 0

0 0 0
0 0 0
0 0 0
-50 0.00% 0.00% 4.00% 20 0

124 1.61% 1.26% 1.40% 140 16

63 0.0% 0.0% 11.3% 310 210
-63 0.0% 0.0% 3.6% -30 -30

0 0.0% 0.0% 14.9% 280 180
10% 0 0 754 41% 0%
7% 0 0 1,800 30% 5%
37 38 39 40 41 42
3Q08A 3Q08 merged 3Q08 CBOP YoY QoQ 4Q08A
18,673 0 0 NA 14% 20,089

7,702 0 0 NA 16% 8,776
895 0 0 NA 0 696
27,269 32,976 5,707 61% 15% 29,562
12,893 16,700 3,807 55% 7% 13,141
14,376 16,275 1,900 66% 24% 16,421
4,601 0 0 39% 17% 4,904

742 0 0 18% 92% 604
1,315 1,565 250 -723% 185% 114
131 6,824 1,350 NA 135% -129
NA NA
6,789 8,389 1,600 82% 41% 5,493
5,474 6,824 1,350 39% 25% 5,379
21,165 24,664 3,500 70% 29% 21,914

19,850 23,099 3,250 57% 24% 21,800
3,528 4,238 709 65% 11% 3,456

6,973 8,482 1,509 78% 40% 7,571
10,501 12,720 2,219 74% 28% 11,027
10,664 11,945 1,281 68% 29% 10,887

9,349 10,380 1,031 42% 20% 10,773
3,501 4,044 543 81% 28% 2,930

NA NA
NA NA
730 #REF! #REF! 458% 351% 1,721

4,231 #REF! #REF! 105% 46% 4,651
6,432 #REF! #REF! 49% 20% 6,236
2,139 2,394 255 59% 27% 1,525
4,294 #REF! #REF! 45% 17% 4,711
0 0 0 NA NA 0
4,294 #REF! #REF! 45% 17% 4,711
22,673 0 0 71% NA 19,939

30,717 0 0 54% NA 25,045
3,324 0 0 154% NA (9,929)
2,869.60 0.00 0.00 18% NA 2,939.80

2,884.50 0.00 0.00 55% NA 2,013.60
678.10 0.00 0.00 12457% NA 1,282.20
3,541 0 0 12% 0% 3,544

110,044 0 0 88% 4% 111,428
113,584 0 0 84% 4% 114,972
993,869 1,200,969 207,100 49% 9% 1,007,686
206,941 0 0 24% 6% 209,108
0 0 0 NA NA 0
1,314,395 1,200,969 207,100 47% 8% 1,331,766
134,157 0 0 67% -3% 125,532

0 0 0 NA NA 0
381,447 - - 60% -6% 446,426
749,790 900,625 150,835 39% 21% 704,030
378,400 - - 45% 12% 392,612
371,390 - - 33% 31% 311,418
0 0 0 NA NA 0
49,001 0 0 29% -4% 55,778
1,743,659 2,101,594 357,935 45% 14% 1,711,716
47.3% 50.6% 66.7% -161 -351 44.5%

32.1% 34.0% 45.7% 201 275 25.1%
27.6% 29.5% 41.5% -366 30 24.7%
49.6% 51.6% 63.4% 88 -13 50.3%
33.6% 33.3% 32.0% -175 -539 31.3%
52.9% 55.1% 68.3% 499 172 50.6%
45.3% #REF! #REF! 1,394 818 43.2%
75.4% 75.0% 72.8% -531 724 69.9%
12.3% 13.1% 19.5% 1,565 674 1.0%

6.6% 6.8% 7.7% 830 374 0.5%
33.2% #REF! #REF! 192 183 24.4%
8,700 14,337 5,637 NA 13% 9,152

1.15% 1.58% 3.66% 115 -8 1.30%
1.15% 1.58% 3.66% 115 -8 1.29%
2,999 5,543 2,544 NA 21% 2,816
0.40% 0.62% 1.69% 0 0 0.40%
0.40% 0.62% 1.69% 40 0 0.40%
5,701 8,793 3,093 6,336
65.5% 61.3% 54.9% 69.2%
NA NA
0 0 0 NA NA 0
NA NA
NA NA
NA NA
NA NA
NA NA
NA NA
NA NA
NA NA
NA NA
NA NA
NA NA
176,500 0 0 38% 5% 170,500
201,900 0 0 52% 19% 222,112
256,020 - - 47% 1% 287,600

249,610 - - 30% 12% 261,540
488,239 - - 62% 13% 458,546
50.87% 0.00% 0.00% -406 -164 54.50%

50.9% 100.0% 100.0% -406 -164 54.5%
-100% NA
-100% NA
-100% NA
-100% NA
NA NA
-100% NA
0 0
#DIV/0! #DIV/0! #DIV/0! NA NA #DIV/0!
#DIV/0! 0 0
#DIV/0! 0 0
0 0
0 0
0 0
4.30% 0.00% 0.00% 40 30 4.40%

2.20% 1.50% 1.80% 220 80 1.86%

#DIV/0! #REF! #REF! NA NA #DIV/0!
10.5% 0.0% 0.0% 210 -80 10.3%
3.3% 0.0% 0.0% -110 -30 3.3%

13.8% 0.0% 0.0% 100 -110 13.6%
754 0 0 29% 0% 761
1,906 0 0 30% 6% 1,977
43 44 45 46 47 48
CBOP indicative erged indicative YoY QoQ 1Q09 - merged YoY
0 0 55% 8% 26,364 NA
0 0 46% 14% 9,512 NA
0 0 1 (0) 341 NA
0 0 53% 8% 36,217 42%
3,997 17,138 51% 2% 18,983 33%
-3,997 -17,138 56% 14% 17,235 53%
0 0 38% 7% 5,112 NA
0 0 -42% -19% 1,574 NA
79 193 -117% -91% -776 -248%
#REF! #REF! -3091% -198% 24 -100%
NA NA NA
#REF! #REF! 39% -19% 5,934 -18%
#REF! #REF! 17% -2% 6,710 -1%
#REF! #REF! 51% 4% 23,169 25%

#REF! #REF! 44% 10% 23,945 33%
695 4,151 60% -2% 5,406 54%

1,427 8,998 62% 9% 7,488 18%
2,122 13,150 61% 5% 12,894 31%
#REF! #REF! 42% 2% 10,275 18%

#REF! #REF! 30% 15% 11,051 36%
1,228 4,158 12% -16% 3,244 -4%

NA NA NA
NA NA NA
#REF! #REF! 2685% 136% 201 118%

#REF! #REF! 74% 10% 3,445 -1%
#REF! #REF! 25% -3% 6,830 31%
0 #REF! -1% -29% 2,187 27%
#REF! #REF! 37% 10% 4,644 33%
0 0 NA NA 0 NA
-30 4,681 37% 10% 4,644 33%
0 0 33% -12% 23,915 NA

0 0 15% -18% 32,729 NA
0 0 -511% -399% 14,463 NA
0.00 0.00 14% 2% 3,422.30 NA

0.00 0.00 -6% -30% 3,060.00 NA
0.00 0.00 367% 89% 348.10 NA
0 0 11% 0% 4,246 NA
0 0 82% 1% 128,933 NA
0 0 79% 1% 133,179 NA
221,597 1,229,283 48% 1% 1,309,180 34%
0 0 27% 1% 243,559 NA
0 0 NA NA 0 NA
221,597 1,229,283 46% 1% 1,685,917 73%
0 0 37% -6% 185,150 NA

0 0 NA NA 0 NA
- - 62% 17% 429,208 NA
162,902 866,932 41% -6% 995,540 48%
39% 4% 549,806
44% -16% 445,734
0 0 NA NA 0 NA
0 0 22% 14% 76,019 NA
###
384,499 2,096,215 45% -2% 2,304,720 40%
#DIV/0! #DIV/0! -81 -283 52.4% -343

#REF! #REF! -215 -701 25.6% -1,365
#REF! #REF! -570 -290 28.0% -947
#REF! #REF! 312 70 55.7% 251
32.8% 31.6% -14 -226 41.9% 628
#REF! #REF! 543 -232 53.8% -85
#REF! #REF! 1,102 -209 31.2% -1,143
73.5% 70.5% -333 -558 76.0% 713
#REF! #REF! 962 -1,128 -7.6% -1,361

#REF! #REF! 485 -610 -3.2% -616
#REF! #REF! -655 -880 32.0% -112
5,970 15,123 NA 5% 14,933 NA

0.00% 1.73% 130 15 1.50% 150
3.54% 1.71% 129 14 1.49% 149
0 0 NA -6% 4,978 NA
0.00% 0.00% 40 0 0.50% 50
0.00% 0.00% 40 0 0.50% 50
5,970 15,123 9,955
100.0% 100.0% 66.7%
NA NA NA
0 0 NA NA 0 NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
NA NA NA
0 0 24% -3% 218,000 NA
0 0 53% 10% 331,806 NA
- - 45% 12% 269,292 NA

- - 34% 5% 318,530 NA
- - 59% -6% 721,358 NA
0.00% 26.00% -319 362 44.90% 4,490

100.0% 100.0% -319 362 44.9% -5,510
-100% NA 1,269,232 NA
-100% NA 121,779 NA
-100% NA 214,604.20 NA
-100% NA 931,236 NA
NA NA 1,685,917 NA
-100% NA 1,145,840 NA
0 0 0
#DIV/0! #DIV/0! NA NA 12.6% 1,264
#DIV/0! -997 0 11.32% NA

#DIV/0! #DIV/0! NA NA 11.3% NA
#DIV/0! -936 0 17.73% NA

0 0 0
0 0 0
0 0 5.46% 546
5.46%
0.00% 0.00% -10 10 4.10% 410

1.80% 1.70% 186 -34 1.62% 9

0.0% 0.0% 173 -20 9.3% 930
0.0% 0.0% -123 0 2.9% 290

0.0% 0.0% 50 -20 12.2% 1,220
0 0 11% 1% 1,229 NA
0 0 23% 4% 2,526 NA
49 50 51 52 53 54
QoQ 2Q09merged YoY QoQ 3Q09 merged YoY
NA 30,608 NA 16% 33,380 NA

NA 8,967 NA -6% 10,282 NA
NA 338 NA (0) 1,023 NA
NA 39,912 38% 10% 44,685 36%
11% 21,248 36% 12% 24,893 49%
-201% 18,665 40% 8% 19,793 22%
NA 5,873 NA 15% 6,440 NA

NA 675 NA -57% 628 NA
-502% -156 -129% -80% 2,321 48%
NA 39 -99% 62% 5 -100%
NA NA NA NA
NA 6,431 1% 8% 9,394 12%
NA 6,587 12% -2% 7,073 4%
NA 25,096 27% 8% 29,186 18%

NA 25,252 32% 5% 26,865 16%
30% 6,116 56% 13% 5,821 37%

-17% 7,751 18% 4% 8,784 4%
-2% 13,867 32% 8% 14,606 15%
NA 11,229 22% 9% 14,581 22%

NA 11,385 31% 3% 12,260 18%
-22% 3,373 10% 4% 4,654 15%

NA NA NA NA
NA NA NA NA
NA 87 -39% -57% 664 NA

NA 3,460 8% 0% 5,318 NA
NA 7,768 29% 14% 9,263 NA
NA 2,488 30% 14% 3,046 27%
NA 5,280 29% 14% 6,217 NA
NA 0 NA NA 0 NA
-1% 5,280 29% 14% 6,217 NA
NA 0 NA -100% 0 NA
NA 0 NA -100% 0 NA
NA 0 NA -100% 0 NA
NA 0.00 NA -100% 0.00 NA

NA 0.00 NA -100% 0.00 NA
NA 0.00 NA -100% 0.00 NA
NA 4,250 NA 0% 4,251 NA
NA 134,534 NA 4% 140,749 NA
NA 138,785 NA 4% 145,001 NA
6% 1,337,805 21% 2% 1,448,620 21%
NA 241,059 NA -1% 45,110 NA
NA 0 NA NA 193,044 NA
37% 1,717,649 56% 2% 1,831,774 53%
NA 173,753 NA -6% 124,893 NA

NA 0 NA NA 0 NA
NA 403,975 NA -6% 614,319 NA
15% ### 39% 6% ### 12%
584,000 596,470
476,200 410,350
NA 0 NA NA 0 NA
NA 79,722 NA 5% 85,743 NA
### ###
10% 2,398,005 29% 4% 2,455,440 17%
NA 53.2% -80 82 55.7% 506

NA 25.6% -679 1 32.2% -183
NA 26.1% -445 -194 26.3% -321
NA 55.3% 199 -39 50.0% -153
1,036 44.1% 681 218 39.9% 654
NA 54.9% 17 107 54.4% -70
NA 30.4% -642 -78 43.4% NA
552 79.2% 1,030 321 69.5% -549
NA -1.4% -717 616 15.9% 282

NA -0.6% -339 262 8.6% 186
NA 32.0% 15 2 32.9% NA
-1% 16,433 NA 10% 19,130 33%

-23 1.55% 155 5 1.90% 32
-23 1.53% 153 5 1.88% 30
NA 5,725 NA 15% 6,041 9%
50 0.54% 54 4 0.60% -2
50 0.54% 54 4 0.60% -2
10,708 13,089
65.2% 68.4%
NA NA NA NA
NA 0 NA NA 0 NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA 246,900 NA 13% 255,000 NA
NA 337,100 NA 2% 341,470 NA
NA 261,230 NA -3% 242,580 NA

NA 327,940 NA 3% 330,810 NA
NA 748,635 NA 4% 875,230 NA
1,890 44.04% 4,404 -86 39.58% 3,958

-5,510 44.0% -5,596 -86 39.6% -6,042
NA 1,323,493 NA 4% 1,393,213 NA
NA 242,309 NA 99% 143,085 NA
NA 416,591.65 NA 94% 509,146.80 NA
NA 1,027,870 NA 10% 1,033,510 NA
NA 1,701,783 NA 1% 1,774,712 NA
NA 1,444,462 NA 26% 1,542,657 NA
0 0 0 0
NA 11.1% 1,105 -159 11.6% NA
NA 11.91% NA 59 12.92% NA
NA 11.9% NA 59 12.9% NA
NA 8.61% NA -912 8.08% NA

NA 8.6% NA -912 8.1% NA
0 0 0 0
0 0 0 0
546 5.43% 543 -3 6.48% 648

5.43% 6.48%
410 4.20% 420 10 4.30% 430
NA 4.4% NA 30 4.5% NA
NA 5.2% NA -85 5.1% NA
-8 1.52% -9 -10 1.50% 0

NA 1.2% NA 14 1.4% NA
#DIV/0!
930 8.8% 880 -50 9.7% 970
290 2.6% 260 -30 4.0% 400

1,220 11.4% 1,140 -80 13.7% 1,370
NA 1,412 NA 15% 1,412 NA
NA 2,890 NA 14% 3,177 NA
55 56 57 58 59 60
QoQ 4Q09 YoY QoQ 12m09 YoY
9% 30,972 NA -7% #VALUE! #VALUE!

15% 0 NA -100% #VALUE! #VALUE!
2 11,537 NA 10 #VALUE! #VALUE!
12% 42,508 NA -5% #VALUE! #VALUE!
17% 23,988 40% -4% 23,989 32259501%
6% 18,520 -208% -6% #VALUE! #VALUE!
10% 7,148 NA 11% #VALUE! #VALUE!

-7% 1,528 NA 143% #VALUE! #VALUE!
-1588% 2,436 1162% 5% 2,436 131864%
-87% 35 NA 612% 34 2419%
NA NA NA
46% 11,147 NA 19% #VALUE! #VALUE!
7% 8,711 NA 23% #VALUE! #VALUE!
16% 29,667 NA 2% #VALUE! #VALUE!

6% 27,231 NA 1% #VALUE! #VALUE!
-5% 5,039 21% -13% 5,039 4757527%

13% 8,923 -1% 2% 8,923 2250836%
5% 13,962 6% -4% 13,962 4930560%
30% 15,705 NA 8% #VALUE! #VALUE!

8% 13,269 NA 8% #VALUE! #VALUE!
38% 5,990 44% 29% 5,990 2128000%

NA NA NA
NA NA NA
660% 584 NA -12% #VALUE! #VALUE!

54% 6,574 NA 24% #VALUE! #VALUE!
19% 9,131 NA -1% #VALUE! #VALUE!
22% 2,822 NA -7% 2,823 1057566%
18% 6,309 NA 1% #VALUE! #VALUE!
NA 0 NA NA #VALUE! #VALUE!
18% 6,309 35% 1% #VALUE! #VALUE!
NA 23,725 NA NA #VALUE! #VALUE!

NA 38,286 NA NA #VALUE! #VALUE!
NA (8,356) NA NA #VALUE! #VALUE!
NA 2,054.70 NA NA #VALUE! #VALUE!

0% 4,254 NA 0% 4,254 238651584%

5% 146,274 NA 4% 146,274 327821244%
4% 150,527 NA 4% 150,527 348206968%
8% 1,428,116 16% -1% 1,428,116 1563574946%
-81% 254,064 NA 463% 254,064 450190627%
NA 0 NA -100% 0 #VALUE!
7% 1,832,708 49% 0% 1,832,708 2251418156%
-28% 175,066 NA 40% 175,066 -556579143%

NA 0 NA NA 0 #VALUE!
52% 572,646 NA -7% 572,646 -1002698136%
-5% ### 16% 0% ### 484827819%
611,540 611,540 507133562%
392,820 392,820 126595580%
NA 0 NA NA 0 #VALUE!
8% 80,636 NA -6% 80,636 -182580026%
### #DIV/0!
2% 2,432,476 16% -1% 2,432,476
247 56.4% NA 73 #VALUE! #VALUE!

656 37.6% NA 539 #VALUE! #VALUE!
24 32.0% NA 566 #VALUE! #VALUE!
-521 47.1% NA -298 #VALUE! #VALUE!
-425 36.1% 452 -377 36.1% 53889.27%
-55 51.3% NA -309 #VALUE! #VALUE!
1,298 49.5% NA 617 #VALUE! #VALUE!
-975 70.3% -20 83 70.33% -72312.46%
1,731 15.5% NA -41 #VALUE! #VALUE!

926 8.9% NA 31 #VALUE! #VALUE!
85 30.9% NA -197 #VALUE! #VALUE!
16% 19,886 31% 4% 19,886

35 1.98% 25 8 1.98% 780.02%
34 1.95% 24 8 1.95% 779.99%
6% 6,327 NA 5% 6,327
6 0.63% 63 3 0.63% 0.63%
6 0.63% 63 3 0.63% 0.63%
13,559 13,559
68.2% 68.2%
NA NA NA
NA 0 NA NA 0
NA NA NA 0
NA NA NA 0
NA NA NA 0
NA NA NA 0
NA NA NA 0
NA NA NA 0
NA NA NA 0
NA NA NA 0
NA NA NA 0
NA NA NA 0
NA NA NA 0
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
3% 254,000 NA 0% 254,000 472722122.2%
1% 357,540 NA 5% 357,540 191822589.8%
-7% 284,450 NA 17% 284,450 49,595,610

1% 349,150 NA 6% 349,150 3,018,366
17% 794,516 NA -9% 794,516 6,152,451
-446 44.37% 1,837 478 44.37% 16490.56%

-446 44.4% -5,563 478 44.4% 16490.56%
5% 1,438,368 NA 3% 1,314,543
-41% 149,587 NA 5% 127,032
22% 593,482.30 NA 17% 286,322.95
1% 1,005,590 NA -3% 952,493
4% 1,832,241 NA 3%
7% 1,599,072 NA 4% 1,238,815
75,264
0 0 0
53 10.6% NA -95 #VALUE! #VALUE!
101 12.32% NA -60

101 12.3% NA -60 #VALUE! #VALUE!
-53 0.00% NA -808

-53 0.0% NA -808 #VALUE! #VALUE!
0 0 0
0 0 0
105 6.04% 604 -44

6.04% 1.66% 1.66%
10 4.20% 420 -10
7 4.0% NA -42
-4 4.6% NA -50 #VALUE!
-2 1.46% -24 -4
16 1.4% NA -2 #VALUE!
#DIV/0! #VALUE!
90 10.6% 1,060 90 10.6% 8010.60%
140 5.1% 510 110 5.1% 3005.10%

230 15.7% 1,570 200 15.7% 11015.70%
0% 1,412 NA 0% 1,412 1,412
10% 3,295 NA 4% 3,295 3,295
61 62 63 64 65 66
1Q10A YoY QoQ 2Q10A YoY QoQ
30,178 14% -3% 30,102 -2% 0%

10,334 9% NA 9,596 7% -7%
419 0 (1) 221 (0) (0)
40,931 13% -4% 39,919 0% -2%
22,375 18% -7% 20,361 -4% -9%
18,556 8% 0% 19,558 5% 5%
6,493 27% -9% 7,386 26% 14%

1,378 -12% -10% 1,510 124% 10%
2,560 -430% 5% 1,629 -1144% -36%
6 -77% -84% 10 -73% 89%
NA NA NA NA
10,437 76% -6% 10,535 64% 1%
7,877 17% -10% 8,906 35% 13%
28,992 25% -2% 30,093 20% 4%

26,432 10% -3% 28,464 13% 8%
5,593 3% 11% 5,541 -9% -1%

8,212 10% -8% 8,622 11% 5%
13,806 7% -1% 14,163 2% 3%
15,187 48% -3% 15,930 42% 5%

12,627 14% -5% 14,301 26% 13%
6,500 100% 9% 5,942 76% -9%

NA NA NA NA
NA NA NA NA
88 -56% -85% 0 -100% -100%

6,588 91% 0% 5,942 72% -10%
8,598 26% -6% 9,988 29% 16%
2,537 16% -10% 3,114 25% 23%
6,061 31% -4% 6,874 30% 13%
0 NA NA 0 NA NA
6,061 31% -4% 6,874 30% 13%
21,151 -12% -11% 20,375 NA -4%

38,433 17% 0% 38,751 NA 1%
19,182 33% -330% 17,472 NA -9%
3,797.00 11% 85% 4,857.00 NA 28%

1,437.90 -53% -8% 2,946.00 NA 105%
3,363.40 866% -39% 2,185.00 NA -35%
4,262 0% 0% 4,274 1% 0%
148,888 15% 2% 160,705 19% 8%
153,150 15% 2% 164,979 19% 8%
1,457,320 11% 2% 1,498,053 12% 3%
30,492 -87% -88% 114,868 -52% 277%
220,131 NA NA 161,478 NA -27%
1,861,093 10% 2% 1,939,378 13% 4%
118,123 -36% -33% 136,645 -21% 16%

0 NA NA 13,695 NA NA
386,558 -10% -32% 571,700 42% 48%
### 6% 5% ### 7% 8%
611,300 626,520 7% 2%
441,580 524,520 10% 19%
0 NA NA 19,879 NA NA
83,405 10% 3% 60,768 -24% -27%
1,640,966 ###
2,510,200 9% 3% 2,634,773 10% 5%
54.7% 225 -177 51.0% -223 -366

36.0% 1,038 -158 35.0% 938 -99
29.8% 178 -219 31.3% 520 149
47.6% -803 56 47.1% -819 -55
40.5% -141 443 39.1% -498 -139
52.2% -162 96 49.8% -516 -247
52.2% 2,101 263 41.5% 1,115 -1,063
72.2% -380 192 75.9% -337 363
16.9% 2,441 135 10.2% 1,162 -663

9.7% 1,293 74 5.7% 634 -396
29.5% -251 -140 31.2% -86 167
22,110 48% 11% 20,719 26% -6%

2.10% 60 12 1.80% 25 -30
2.07% 58 12 1.80% 26 -27
6,317 27% 0% 5,755 1% -9%
0.60% 10 -3 0.50% -4 -10
0.60% 10 -3 0.51% -3 -9
15,793 14,964
71.4% 72.2%
2.5% 2.2%
NA NA NA NA
0 NA NA 0 NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
NA NA NA NA
256,000 17% 1% 267,500 8% 4%
355,300 7% -1% 359,020 7% 1%
270,260 0% -5% 321,700 23% 19%

384,890 21% 10% 432,490 32% 12%
802,170 11% 1% 743,860 -1% -7%
44.96% 6 59 50.34% 630 539

45.0% 6 59 50.3% 630 539
1,442,718 14% 0% 1,477,687 12% 2%

142,278 17% -5% 72,680 -70% -49%
479,601.70 123% -19% 479,128.75 15% 0%
1,028,620 10% 2% 1,094,800 7% 6%
1,736,837 3% -5% 1,790,186 5% 3%
1,508,222 32% -6% 1,573,929 9% 4%
151,839 159,064
0 0 0 0
10.9% -179 22 10.1% -91 -71
11.74% 41 -58 11.00% -91 -74

11.7% 41 -58 11.0% -91 -74
8.62% -911 862 8.01% -60 -61

8.6% -911 862 8.0% -60 -61
0 0 0 0
0 0 0 0
5.65% 19 -40 5.25% -17 -39

5.65% 5.25%
4.20% 10 0 4.20% 0 0
4.3% 18 23 4.4% -2 10
4.9% -110 29 5.0% -20 5
1.49% -13 3 1.5% 2 5

1.4% 29 2 1.5% 29 14
16.0% 17.3%
10.6% 130 0 10.9% 210 30
4.8% 190 -30 4.8% 220 0

15.4% 320 -30 15.7% 430 30
1,416 15% 0% 1,506 7% 6%
3,382 34% 3% 3,573 24% 6%
67 68 69 70 71 72 73
1H10 3QFY10 YoY QoQ 9m10
60,280 30,389 -9% 1% 90,669

19,930 9,802 -5% 2% 29,732
640 157 (1) (0) 797
80,850 40,348 -10% 1% 121,198
42,737 18,109 -27% -11% 60,846
38,113 22,239 12% 14% 60,352
13,879 7,697 20% 4% 21,576

2,888 1,543 146% 2% 4,431
4,189 -265 -111% -116% 3,924
16 16 222% 52% 32
NA NA
20,972 8,991 -4% -15% 29,963
16,783 9,256 31% 4% 26,039
59,085 31,230 7% 4% 90,315

54,896 31,495 17% 11% 86,391
11,134 5,786 -1% 4% 16,920

16,835 9,207 5% 7% 26,042
27,969 14,993 3% 6% 42,962
31,117 16,237 11% 2% 47,353

26,928 16,502 35% 15% 43,429
12,442 4,379 -6% -26% 16,821

NA NA
NA NA
88 98 -85% NA 186
12,530 4,477 -16% -25% 17,007
18,587 11,760 27% 18% 30,346
5,651 3,575 17% 15% 9,226
12,935 8,185 32% 19% 21,120
0 0 NA NA 0
12,935 8,185 32% 19% 21,120
41,526 20,357 NA 0% 61,883

77,184 39,237 NA 1% 116,422
36,654 16,193 NA -7% 52,847
8,654 6,136.30 NA 26% 14,790

4,384 5,321.50 NA 81% 9,705
5,548 302.00 NA -86% 5,850
4,274 4,552 7% 7% 4,552

160,705 206,277 47% 28% 206,277
164,979 210,830 45% 28% 210,830
1,498,053 1,547,888 7% 3% 1,547,888
114,868 286,811 536% 150% 286,811
161,478 0 -100% -100% 0
1,939,378 2,045,529 12% 5% 2,045,529
136,645 129,166 3% -5% 129,166

13,695 0 NA -100% 0
571,700 640,821 4% 12% 640,821
### ### 19% 5% ###
626,520 660,470 660,470
524,520 535,665 535,665
19,879 0 NA -100% 0
60,768 79,407 -7% 31% 79,407
### ###
2,634,773 2,744,023 12% 4% 2,744,023
52.9% 44.9% -1,082 -612 50.2%

35.5% 28.8% -340 -622 33.2%
30.6% 29.4% 306 -190 30.1%
47.3% 48.0% -203 94 47.6%
39.8% 38.6% -127 -53 39.4%
50.9% 47.6% -676 -215 49.7%
46.5% 27.1% -1,625 -1,442 39.2%
75.9% 77.3% 777 140 77.3%
13.5% -1.6% -1,755 -1,186 8.3%

7.6% -0.8% -948 -656 4.5%
30.4% 30.4% -248 -78 30.4%
20,719 19,741 3% -5% 19,741

1.80% 1.63% -27 -17 1.63%
1.80% 1.63% -24 -17 1.63%
5,755 5,440 -10% -5% 5,440
0.50% 0.45% -15 -5 0.45%
0.51% 0.45% -15 -5 0.45%
14,964 14,301 14,301
72.2% 72.4% 72.4%
1.5%
NA NA
0 NA NA 0
181,000 NA NA 181,000
17,000 NA NA 17,000
84,000 NA NA 84,000
282,000 NA NA 282,000
85,000 NA NA 85,000
126,720 NA NA 126,720
8,260 NA NA 8,260
77,270 NA NA 77,270
38,000 NA NA 38,000
43,220 NA NA 43,220
660,470 NA NA 660,470
27% 27%
3% 3%
13% 13%
43% 43%
13% 13%
19% 19%
1% 1%
12% 12%
6% 6%
7% 7%
100% 100%
523,500 282,000 11% 5% 282,000
714,320 378,470 11% 5% 378,470
321,700 332,760 37% 3% 332,760

432,490 466,960 41% 8% 466,960
743,860 748,168 -15% 1% 748,168
50.34% 51.67% 1,208 132 51.67%

50.3% 51.7% 1,208 132 51.7%
1,463,084 1,522,970 9% 3% 1,488,002

184,466 200,840 40% 176% 270,438
572,172.95 606,260.45 19% 27% 606,733.40
1,070,540 1,166,427 13% 7% 1,100,247
1,886,057 1,992,468 12% 11% 1,832,708
1,642,713 1,772,688 15% 13% 1,706,981
157,753 187,904 180,679
0 0
9.8% 9.1% -248 -104 14.2%
10.42% -250 -58

11.3% 10.4% -250 -58 16.5%
6.47% -161 -154

7.0% 6.5% -161 -154 9.8%
0 0
0 0
4.20% -228 -105

5.19% 4.20% 6.92%
4.30% 0 10
8.1% -446 -437 13.2%

4.6% 5.0% -11 5 7.1%
0.0% -150 -154

2.7% -140 -154 4.6%
16.4% 17.4% 23.4%
10.9% 13.8% 410 290 13.8%
4.8% 4.5% 50 -30 4.5%

15.7% 18.3% 460 260 18.3%
1,506 1,725 22% 15% 1,725
3,573 3,898 23% 9% 3,898
74 75 76 77 78 79 80
4Q10 YoY QoQ 12m10 YoY 1Q11 YoY
30,314 -2% 0% 120,983 #VALUE! 33,105 9.7%

10,081 NA 3% 39,813 #VALUE! 10,532 1.9%
136 (1) (0) 933 #VALUE! 564 34.6%
40,531 -5% 0% 161,729 #VALUE! 44,202 8.0%
17,018 -29% -6% 77,863 225% 20,190 -9.8%
23,514 27% 6% 83,866 #VALUE! 24,011 29.4%
8,125 14% 6% 29,701 #VALUE! 7,457 14.8%

1,801 18% 17% 6,232 #VALUE! 1,718 24.7%
-473 -119% 78% 3,451 42% 215 -91.6%
-418 -1296% -2742% (386) -1238% 514 9249.1%
NA NA NA
9,036 -19% 0% 38,998 #VALUE! 9,904 -5.1%
9,509 9% 3% 35,547 #VALUE! 9,689 23.0%
32,549 10% 4% 122,864 #VALUE! 33,916 17.0%

33,022 21% 5% 119,413 #VALUE! 33,701 27.5%
5,972 19% 3% 22,892 354% 6,671 19.3%

9,634 8% 5% 35,675 300% 9,758 18.8%
15,605 12% 4% 58,567 319% 16,429 19.0%
16,944 8% 4% 64,297 #VALUE! 17,487 15.1%

17,417 31% 6% 60,846 #VALUE! 17,272 36.8%
3,228 -46% -26% 20,049 235% 3,651 -43.8%

NA NA NA
NA NA NA
1,171 100% 1095% 1,357 #VALUE! 1,899 2058.2%

4,399 -33% -2% 21,406 #VALUE! 5,550 -15.8%
12,545 37% 7% 42,891 #VALUE! 11,937 38.8%
4,178 48% 17% 13,404 375% 3,820 50.6%
8,366 33% 2% 29,487 #VALUE! 8,117 33.9%
0 NA NA 0 #VALUE! 0 NA
8,366 33% 2% 29,487 #VALUE! 8,117 33.9%
19,737 -17% -3% 81,620 #VALUE! 24,203 14.4%

40,590 6% 3% 157,011 #VALUE! 41,878 9.0%
16,580 -298% 2% 69,427 #VALUE! 17,369 -9.4%
4,995.20 143% -19% 19,786 #VALUE! 4,969.90 30.9%

6,262.70 303% 18% 15,968 #VALUE! 6,516.70 353.2%
1,286.70 -77% 326% 7,137 #VALUE! 450.30 -86.6%
4,577 8% 1% 4,577 8% 4,597 7.9%

210,619 44% 2% 210,619 44% 220,649 48.2%
215,196 43% 2% 215,196 43% 225,246 47.1%
1,674,044 17% 8.2% 1,674,044 17% 1,830,330 25.6%
129,157 -49% -55% 129,157 -49% 114,917 276.9%
206,160 NA NA 206,160 #DIV/0! 162,007 -26.4%
2,224,557 21% 9% 2,224,557 21% 2,332,500 25.3%
299,424 71% 132% 299,424 71% 182,311 54.3%

0 NA NA 0 #DIV/0! 0 NA
586,076 2% -9% 586,076 2% 607,739 57.2%
### 25% 5% ### 25% ### 38.9%
631,610 631,610 3% 651,940 6.6%
626,696 626,696 60% 810,544 83.6%
0 NA NA 0 #DIV/0! 0 NA
59,552 -26% -25% 59,552 -26% 79,970 -4.1%
2,203,358 #DIV/0! 2,332,504
2,932,350 21% 7% 2,932,350 3,292,814 31.2%
42.0% -1,445 -290 48.1% #VALUE! 45.7% -9.0%

27.8% -981 -103 31.7% #VALUE! 29.2% -6.8%
28.8% -319 -59 29.8% #VALUE! 28.8% -1.0%
47.9% 88 -6 47.7% #VALUE! 48.4% 0.8%
38.3% 218 -32 39.1% 3.00% 40.6% 0.1%
47.3% -401 -35 49.0% #VALUE! 48.7% -3.5%
25.3% -2,429 -187 35.2% #VALUE! 32.1% -20.0%
75.2% 484 -211 75.17% 4.84% 79.9% 7.7%
-2.8% -1,830 -116 5.4% #VALUE! 1.2% -15.6%

-1.4% -1,038 -59 2.9% #VALUE! 0.6% -9.0%
33.3% 240 291 31.3% #VALUE! 32.0% 2.5%
18,168 -9% -8% 18,168 17,912 -19.0%

1.43% -55 -20 1.43% -0.55% 1.21% -0.9%
1.43% -53 -20 1.43% -0.53% 1.21% -0.9%
3,921 -38% -28% 3,921 4,125 -34.7%
0.30% -33 -15 0.30% -0.33% 0.30% -0.3%
0.31% -32 -14 0.31% -0.32% 0.28% -0.3%
14,247 14,247 13,787
78.4% 78.4% 77.0%
1.1% 1.1%
NA NA NA
NA NA 0 NA
179680 NA -1% 179,680 195030 NA
60250 NA 254% 60,250 63360 NA
16490 NA -80% 16,490 16890 NA
256,420 NA -9% 256,420 275,280 NA
87330 NA 3% 87,330 88850 NA
109800 NA -13% 109,800 105820 NA
8610 NA 4% 8,610 9790 NA
38460 NA -50% 38,460 39500 NA
87250 NA 130% 87,250 95640 NA
43740 NA 1% 43,740 37060 NA

631,610 NA -4% 631,610 651,940 NA
45%
28% 28% 30%

10% 10% 10%
3% 3% 3%
41% 41% 42%
14% 14% 14%
17% 17% 16%
1% 1% 2%
6% 6% 6%
14% 14% 15%
7% 7% 6%
100% 100% 100%
256,420 1% -9% 256,420 1.0% 275,280 7.5%
375,190 5% -1% 375,190 4.9% 376,660 6.0%
372,270 31% 12% 372,270 0 361,690 33.8%

498,770 43% 7% 498,770 0 538,690 40.0%
803,004 1% 7% 803,004 0 929,950 15.9%
52.03% 767 37 52.03% 7.67% 49.19% 4.2%

52.0% 767 37 52.0% 7.67% 49.2% 4.2%
1,610,966 12% 6% 1,551,080 1,752,187 21.5%

207,984 39% 4% 191,611 122,037 -14.2%
613,448.60 3% 1% 579,361.10 596,907.65 24.5%
1,227,220 22% 5% 1,131,333 1,360,395 32.3%
2,124,443 16% 7% 1,832,708 2,267,931 30.6%
1,840,669 15% 4% 1,710,694 1,957,302 29.8%
213,013 182,862 220,221
0 0 0.0%
8.8% -183 -30 9.5% #VALUE! 9.0% -1.8%
9.88% -244 -54 9.73% -2.0%

9.9% -244 -54 10.7% #VALUE! 9.7% -2.0%
6.57% 657 11 7.06% -1.6%

6.6% 657 11 6.9% #VALUE! 7.1% -1.6%
0 0 0.0%
0 0 0.0%
3.74% -230 -46 4.31% -1.3%

3.74% 4.47% 2.80% 4.31%
4.40% 20 10 4.30% 0.1%
-404 0 -4.3%
5.1% 48 9 0.00% 4.9% 0.0%
0.0% -146 0 1.4% -0.1%

-138 0 1.6% 1.4% 0.0%
15.7% 16.1% 14.7%
13.3% 270 -50 13.3% 2.70% 12.4% 1.8%
4.1% -100 -40 4.1% -1.00% 3.9% -0.9%

17.4% 170 -90 17.4% 1.70% 16.3% 0.9%
1,725 22% 0% 1,725 313 1,725 21.8%
4,232 28% 9% 4,232 937 4,393 29.9%
81 82 83 84 85 86 87
QoQ 2Q11 YoY QoQ 1H11 YoY 3Q11
9.2% 36,732 22.0% 11.0% 69,837 16% 39,504

4.5% 11,003 14.7% 4.5% 21,535 8% 12,258
314.5% 366 65.5% -35.2% 930 45% 538
9.1% 48,100 20.5% 8.8% 92,302 14% 52,300
18.6% 22,837 12.2% 13.1% 43,027 1% 24,533
2.1% 25,263 29.2% 5.2% 49,274 29% 27,767
-8.2% 8,570 16.0% 14.9% 16,027 15% 9,428

-4.6% 1,523 0.9% -11.4% 3,241 12% 2,168
-145.5% -521 -132.0% -342.3% (306) -107% -307
-223.2% 35 236.5% -93.2% 549 3354% -11
NA NA NA
9.6% 9,607 -8.8% -3.0% 19,511 -7% 11,278
1.9% 10,128 13.7% 4.5% 19,817 18% 11,585
4.2% 34,870 15.9% 2.8% 68,785 16% 39,045

2.1% 35,391 24.3% 5.0% 69,091 26% 39,352
11.7% 7,106 28.2% 6.5% 13,776 24% 7,251

1.3% 9,693 12.4% -0.7% 19,451 16% 11,068
5.3% 16,799 18.6% 2.3% 33,227 19% 18,318
3.2% 18,071 13.4% 3.3% 35,558 14% 20,727

-0.8% 18,592 30.0% 7.6% 35,864 33% 21,034
13.1% 4,450 -25.1% 21.9% 8,101 -35% 2,929

NA NA NA
NA NA NA
62.2% 95 NA -95.0% 1,994 2166% 1,730

26.2% 4,545 -23.5% -18.1% 10,095 -19% 4,659
-4.8% 13,526 35.4% 13.3% 25,463 37% 16,068
-8.6% 4,405 41.5% 15.3% 8,225 46% 5,190
-3.0% 9,121 32.7% 12.4% 17,239 33% 10,878
NA 0 NA NA 0 #DIV/0! 0
-3.0% 9,121 32.7% 12.4% 17,239 33% 10,878
22.6% 28,501 39.9% 17.8% 52,704 26.9% 32,071

3.2% 45,954 18.6% 9.7% 87,832 13.8% 51,305
4.8% 17,875 2.3% 2.9% 35,244 -3.8% 20,243
-0.5% 6,193.70 27.5% 24.6% 11,164 29.0% 7,816.90

4.1% 7,103.30 141.1% 9.0% 13,620 210.7% 7,573.70
-65.0% 229.20 -89.5% -49.1% 680 -87.8% 677.60
0.4% 4,626 8.2% 0.6% 4,626 8% 4,643

4.8% 233,007 45.0% 5.6% 233,007 45% 245,882
4.7% 237,633 44.0% 5.5% 237,633 44% 250,525
9.3% 1,953,210 30.4% 6.7% 1,953,210 30% 1,922,020
-11.0% 308,983 169.0% 168.9% 308,983 169% 325,659
-21.4% 0 -100.0% -100.0% 0 -100% 0
4.9% 2,499,826 28.9% 7.2% 2,499,826 29% 2,498,205
-39.1% 208,974 52.9% 14.6% 208,974 53% 185,383

NA 0 -100.0% NA 0 -100% 0
3.7% 636,949 11.4% 4.8% 636,949 11% 630,137
16.2% ### 38.2% 7.4% ### 38% ###
3.2% 692,040 10.5% 6.2% 692,040 10% 774,790
29.3% 878,866 67.6% 8.4% 878,866 68% 817,046
NA 0 -100.0% NA 0 -100% 0
34.3% 82,996 36.6% 3.8% 82,996 37% 90,844
2,499,825 ### 29% ###
12.3% 3,524,116 33.8% 7.0% 3,524,116 3,513,856
3.7% 47.5% -3.5% 1.8% 46.6% -6.24% 46.9%

1.4% 27.6% -7.5% -1.7% 28.4% -7.13% 28.9%
0.0% 28.6% -2.7% -0.1% 28.7% -1.89% 29.4%
0.5% 48.2% 1.1% -0.3% 48.3% 0.97% 46.9%
2.3% 42.3% 3.2% 1.7% 41.5% 1.65% 39.6%
1.5% 47.5% -2.3% -1.3% 48.1% -2.86% 46.5%
6.9% 24.4% -17.1% -7.7% 28.1% -18.38% 22.1%
4.7% 80.4% 4.5% 0.5% 80.4% 4.55% 82.8%
4.0% -2.9% -13.1% -4.1% -0.9% -14.32% -1.5%

2.1% -1.5% -7.2% -2.1% -0.4% -8.07% -0.8%
-1.3% 32.6% 1.4% 0.6% 32.3% 1.90% 32.3%
-1.4% 18,412 -11.1% 2.8% 18,412 17,818

-0.2% 1.16% -0.6% -0.1% 1.16% -0.64% 1.11%
-0.2% 1.16% -0.6% -0.1% 1.16% -0.64% 1.11%
5.2% 4,085 -29.0% -1.0% 4,085 3,307
0.0% 0.30% -0.2% 0.0% 0.30% -0.20% 0.20%
0.0% 0.26% -0.2% 0.0% 0.26% -0.25% 0.21%
14,327 14,327 14,511
77.8% 77.8% 81.4%
1.2% 0.7%
NA NA NA
NA NA NA 0
8.5% 207610 NA 6.5% 221670
5.2% 69570 NA 9.8% 87480
2.4% 17800 NA 5.4% 19350
7.4% 294,980 NA 7.2% 328,500
1.7% 93240 NA 4.9% 98330
-3.6% 114900 NA 8.6% 134430
13.7% 10230 NA 4.5% 11620
2.7% 41340 NA 4.7% 45540
9.6% 91760 NA -4.1% 109330
-15.3% 45590 NA 23.0% 47040

3.2% 692,040 NA 6.2% 774,790
30% 29%
10.1% 11%
3% 2%
43% 42%
13% 13%
17% 17%
1% 1%
6% 6%
13% 14%
7% 6%
100% 100%
7.4% 294,980 10.3% 7.2% 294,980 -43.7% 328,500
0.4% 397,060 10.6% 5.4% 397,060 -44.4% 446,290
-2.8% 393,630 22.4% 8.8% 393,630 22% 360,238

8.0% 595,250 37.6% 10.5% 595,250 38% 610,380
15.8% 964,330 29.6% 3.7% 964,330 30% 951,402
-2.8% 50.63% 0.3% 1.4% 50.63% 0.28% 50.50%

-2.8% 50.6% 0.3% 1.4% 50.6% 0.28% 50.5%
8.8% 1,891,770 28.0% 8.0% 1,813,627 1,937,615

-41.3% 211,950 191.6% 73.7% 219,070 317,321
-2.7% 622,344.05 29.9% 4.3% 611,512.70 633,542.85
10.9% 1,516,695 38.5% 11.5% 1,414,606 1,581,371
6.8% 2,416,164 35.0% 6.5% 2,351,592 2,499,015
6.3% 2,139,039 35.9% 9.3% 2,026,119 2,214,914
231,440 226,414 244,079
0.0% 0.0% 0.0%
0.2% 9.0% -1.2% 0.0% 9.1% -0.73% 9.4%
-0.1% 9.69% -1.3% 0.0% 9.99%

-0.1% 9.7% -1.3% 0.0% 9.9% -1.39% 10.0%
0.5% 7.07% -0.9% 0.0% 7.74%

0.5% 7.1% -0.9% 0.0% 7.0% 0.08% 7.7%
0.0% 0.0% 0.0%
0.0% 0.0% 0.0%
0.6% 4.34% -0.9% 0.0% 4.35%

4.34% 4.23% -0.95% 4.35%
-0.1% 4.20% 0.0% -0.1% 4.20%
0.0% -4.4% 0.0% 8.4%

-0.2% 4.7% -0.2% -0.2% 4.9% 0.22% 5.0%
1.4% 1.5% 0.0% 0.1% 1.7%

1.4% 1.5% 0.0% 0.1% 2.9% 1.7%
15.8% 15.2% 17.8%
-0.9% 12.7% 1.8% 0.3% 12.7% 1.80% 12.1%
-0.2% 4.3% -0.5% 0.4% 4.3% -0.50% 4.2%

-1.1% 17.0% 1.3% 0.7% 17.0% 1.30% 16.3%
0.0% 1,765 17.2% 2.3% 1,765 259 1,780
3.8% 4,721 32.1% 7.5% 4,721 1,148 5,121
88 89 90 91 92 93 94
YoY QoQ 9m11 YoY 4Q11A YoY QoQ
30.0% 7.5% 109,341 20.6% 41,509 36.9% 5.1%

25.1% 11.4% 33,793 13.7% 12,966 28.6% 5.8%
241.9% 47.0% 1,467 84.0% 210 54.2% -60.9%
29.6% 8.7% 144,601 19.3% 54,685 34.9% 4.6%
35.5% 7.4% 67,560 11.0% 26,291 54.5% 7.2%
24.9% 9.9% 77,041 27.7% 28,394 20.8% 2.3%
22.5% 10.0% 25,455 18.0% 10,006 23.2% 6.1%

40.5% 42.4% 5,409 22.1% 2,454 36.3% 13.2%
15.8% -41.1% (613) -115.6% 86 -118.2% -128.0%
-168.4% -130.9% 538 1598.4% 12 -102.9% -211.1%
NA NA NA NA NA
25.4% 17.4% 30,789 2.8% 12,558 39.0% 11.3%
25.2% 14.4% 31,402 20.6% 12,472 31.2% 7.7%
25.0% 12.0% 107,831 19.4% 40,952 25.8% 4.9%

24.9% 11.2% 108,444 25.5% 40,866 23.8% 3.8%
25.3% 2.0% 21,027 24.3% 7,334 22.8% 1.1%

20.2% 14.2% 30,519 17.2% 12,650 31.3% 14.3%
22.2% 9.0% 51,546 20.0% 19,984 28.1% 9.1%
27.7% 14.7% 56,285 18.9% 20,969 23.8% 1.2%

27.5% 13.1% 56,898 31.0% 20,883 19.9% -0.7%
-33.1% -34.2% 11,030 -34.4% 3,301 2.3% 12.7%

NA NA NA NA NA
NA NA NA NA NA
1665.0% 1724.6% 3,724 1902.0% 1,012 -13.5% -41.5%

4.1% 2.5% 14,754 -13.2% 4,313 -1.9% -7.4%
36.6% 18.8% 41,531 36.9% 16,655 32.8% 3.7%
45.2% 17.8% 13,415 45.4% 5,508 31.8% 6.1%
32.9% 19.3% 28,117 33.1% 11,147 33.2% 2.5%
NA NA 0 NA 0 NA NA
32.9% 19.3% 28,117 33.1% 11,147 33.2% 2.5%
57.5% 12.5% 84,776 37.0% 31,353 58.9% -2.2%

30.8% 11.6% 139,137 19.5% 55,914 37.8% 9.0%
25.0% 13.2% 55,487 5.0% 23,262 40.3% 14.9%
27.4% 26.2% 18,981 28.3% 5,253 5.2% -32.8%

42.3% 6.6% 21,194 118.4% 8,952 42.9% 18.2%
124.4% 195.6% 1,357 -76.8% 2,451 90.5% 261.7%
2.0% 0.4% 4,643 2.0% 4,652 1.6% 0.2%

19.2% 5.5% 245,882 19.2% 249,111 18.3% 1.3%
18.8% 5.4% 250,525 18.8% 253,764 17.9% 1.3%
24.2% -1.6% 1,922,020 24.2% 2,085,864 24.6% 8.5%
13.5% 5.4% 325,659 13.5% 143,941 11.4% -55.8%
NA NA 0 NA 289,929 40.6% NA
22.1% -0.1% 2,498,205 22.1% 2,773,497 24.7% 11.0%
43.5% -11.3% 185,383 43.5% 296,688 -0.9% 60.0%

NA NA 0 NA 0 NA NA
-1.7% -1.1% 630,137 -1.7% 709,294 21.0% 12.6%
33.1% 1.3% ### 33.1% ### 27.1% 0.5%
17.3% 12.0% 774,790 17.3% 801,130 26.8% 3.4%
52.5% -7.0% 817,046 52.5% 798,697 27.4% -2.2%
NA NA 0 NA 0 NA NA
14.4% 9.5% 90,844 14.4% 146,011 145.2% 60.7%
2,751,819
28.1% -0.3% 3,513,856 28.1% 3,685,691 25.7% 4.9%

18%
2.0% -0.6% 46.7% -3.5% 48.1% 6.1% 1.2%

0.1% 1.3% 28.6% -4.6% 30.7% 2.9% 1.8%
0.1% 0.8% 29.0% -1.2% 30.5% 1.7% 1.1%
-1.1% -1.3% 47.8% 0.2% 48.8% 0.9% 1.9%
1.0% -2.7% 40.8% 1.4% 36.7% -1.6% -2.9%
-1.1% -0.9% 47.5% -2.2% 48.9% 1.6% 2.4%
-5.0% -2.3% 25.9% -13.2% 20.7% -4.6% -1.5%
5.5% 2.4% 82.821% 5.5% 76.7% 1.5% -6.1%
0.2% 1.4% -1.1% -9.4% 0.4% 3.2% 1.9%

0.1% 0.7% -0.6% -5.1% 0.2% 1.6% 1.0%
1.9% -0.3% 32.3% 1.9% 33.1% -0.2% 0.8%
-9.7% -3.2% 17,818 -9.7% 16,943 -6.7% -4.9%

-0.5% 0.0% 1.11% -0.5% 1.10% -0.3% 0.0%
-0.5% -0.1% 1.11% -0.5% 1.05% -0.4% -0.1%
-39.2% -19.1% 3,307 -39.2% 2,964 -24.4% -10.4%
-0.3% -0.1% 0.20% -0.3% 0.20% -0.1% 0.0%
-0.2% -0.1% 0.21% -0.2% 0.19% -0.1% 0.0%
14,511 13,979
81.4% 82.5%
0.8%
NA NA NA NA NA
NA NA 0 NA NA NA
22.5% 6.8% 221670 22.5% 221340 23.2% -0.1%
414.6% 25.7% 87480 414.6% 81770 35.7% -6.5%
-77.0% 8.7% 19350 -77.0% 19920 20.8% 2.9%
16.5% 11.4% 328,500 16.5% 323,030 26.0% -1.7%
15.7% 5.5% 98330 15.7% 102760 17.7% 4.5%
6.1% 17.0% 134430 6.1% 149970 36.6% 11.6%
40.7% 13.6% 11620 40.7% 11510 33.7% -0.9%
-41.1% 10.2% 45540 -41.1% 48730 26.7% 7.0%
187.7% 19.1% 109330 187.7% 114900 31.7% 5.1%
13160
8.8% 3.2% 47,040 8.8% 50,230 14.8% 6.8%

17.3% 12.0% 774,790 17.3% 814,290 28.9% 5.1%
29% 27%
11% 10%
2% 2%
42% 40%
13% 13%
17% 18%
1% 1%
6% 6%
14% 14%
6% 6%
100% 98%
14%
5%
1%
20%
6%
9%
1%
3%
7%
1%
0%
3%
51%
16.5% 11.4% 328,500 16.5% 323,030 26.0% -1.7%
17.9% 12.4% 446,290 17.9% 491,260 30.9% 10.1%
8.3% -8.5% 360,238 8.3% 464,600 24.8% 29.0%

30.7% 2.5% 610,380 30.7% 634,480 27.2% 3.9%
27.2% -1.3% 951,402 27.2% 986,784 22.9% 3.7%
-1.2% -0.1% 50.50% -1.2% 52.69% 0.7% 2.2%

-1.2% -0.1% 50.5% -1.2% 52.7% 0.7% 2.2%
27.2% 2.4% 1,798,032 20.8% 2,003,942 24.4% 3.4%

58.0% 49.7% 227,408 -15.9% 234,800 12.9% -26.0%
4.5% 1.8% 608,106.45 0.2% 669,715.10 9.2% 5.7%
35.6% 4.3% 1,425,071 29.5% 1,595,832 30.0% 0.9%
25.4% 3.4% 2,203,358 20.2% 2,625,012 23.6% 5.0%
24.9% 3.5% 2,033,178 19.1% 2,265,547 23.1% 2.3%
232,861 252,144
0.0% 0.0% 0.0% 0.0% 0.0%
0.3% 0.5% 14.2% 0.0% 9.7% 0.8% 0.2%
-0.4% 0.3% 0.0% 10.40% 0.5% 0.4%

-0.4% 0.3% 15.3% -1.1% 10.4% 0.5% 0.4%
1.3% 0.7% 0.0% 7.74% 1.2% 0.0%

1.3% 0.7% 11.1% 1.3% 7.7% 1.2% 0.0%
0.0% 0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0% 0.0%
0.1% 0.0% 0.0% 4.70% 1.0% 0.3%

6.67% 4.70%
-0.1% 0.0% 4.20% 4.2% 4.20% -0.2% 0.0%
0.0% 0.0% 14.0% 0.8% 0.0% 0.0%

0.0% 0.3% 7.6% 0.5% 5.0% -0.1% 0.0%
1.7% 0.2% 0.0% 1.7% 1.7% 0.0%

1.7% 0.2% 1.7% -2.9% 1.7% 1.7% 0.0%
24.1% 17.7%
-1.7% -0.6% 12.1% -1.7% 12.2% -1.1% 0.1%
-0.3% -0.1% 4.2% -0.3% 4.0% -0.1% -0.2%

-2.0% -0.7% 16.3% -2.0% 16.2% -1.2% -0.1%
3.2% 0.8% 1,780 3.2% 1,986 261 206
31.4% 8.5% 5,121 31.4% 5,471 1,239 350
95 96 97 98 99 100 101
12m11 YoY 1Q12 YoY QoQ 2Q12 YoY
150,850 25% 45,142 36.4% 8.8% 49,948 36.0%

46,759 17% 14,107 33.9% 8.8% 16,182 47.1%
1,677 80% 531 -5.9% 152.9% 1,047 186.4%
199,286 23% 59,780 35.2% 9.3% 67,177 39.7%
93,851 21% 31,300 55.0% 19.1% 37,732 65.2%
105,435 26% 28,480 18.6% 0.3% 29,445 16.6%
35,461 19% 9,227 23.7% -7.8% 9,879 15.3%

7,863 26% 2,301 33.9% -6.2% 2,180 43.1%
(527) -115% -413 -292.1% -580.2% -13 -97.5%
550 -243% 85 -83.4% 610.8% 71 102.3%
43,347 11% 11,200 13.1% -10.8% 12,117 26.1%

43,874 23% 11,613 19.9% -6.9% 12,130 19.8%
148,783 21% 39,680 17.0% -3.1% 41,562 19.2%

149,310 25% 40,093 19.0% -1.9% 41,575 17.5%
28,360 24% 7,810 17.1% 6.5% 8,231 15.8%

43,169 21% 11,536 18.2% -8.8% 12,073 24.6%
71,529 22% 19,346 17.8% -3.2% 20,304 20.9%
77,254 20% 20,334 16.3% -3.0% 21,258 17.6%

77,781 28% 20,747 20.1% -0.7% 21,271 14.4%
14,331 -29% 1,937 -47.0% -41.3% 2,200 -50.6%
4,736 249% 2,500 31.6% 146.9% 1,461 1440.6%

19,067 -11% 4,437 -20.1% 2.9% 3,661 -19.5%
58,186 36% 15,897 33.2% -4.6% 17,598 30.1%
18,923 41% 5,047 32.1% -8.4% 5,604 27.2%
39,264 33% 10,850 33.7% -2.7% 11,994 31.5%
0 #DIV/0! 0
39,264 33% 10,850 33.7% -2.7% 11,994 31.5%
116,129 42.3% 35,407 46.3% 12.9% 40,691 42.8%

195,050 24.2% 60,524 44.5% 8.2% 66,146 43.9%
78,749 13.4% 22,581 30.0% -2.9% 26,306 47.2%
24,233 22.5% 7,727.50 55.5% 47.1% 6,700.70 8.2%

30,146 88.8% 7,766.80 19.2% -13.2% 9,576.00 34.8%
3,808 -46.6% 402.70 -10.6% -83.6% 1,320.80 476.3%
4,652 2% 4,668 1.5% 0.3% 4,677 1.1%

249,111 18% 261,860 18.7% 5.1% 275,074 18.1%
253,764 18% 266,527 18.3% 5.0% 279,751 17.7%
2,085,864 25% 2,111,512 15.4% 1.2% 2,306,764 18.1%
143,941 11% 219,787 91.3% 52.7% 223,439 -27.7%
289,929 41% 261,589 61.5% -9.8% 347,511
2,773,497 25% 2,859,416 22.6% 3.1% 3,157,465 26.3%
296,688 -1% 212,127 16.4% -28.5% 218,138 4.4%

0 #DIV/0! 0 19,634
709,294 21% 729,423 20.0% 2.8% 786,474 23.5%
### 27% ### 20.0% 9.7% ### 20.0%
801,130 27% 838,630 28.6% 4.7% 928,780 34.2%
798,697 27% 916,530 13.1% 14.8% 970,390 10.4%
0 #DIV/0! 0 21,695
146,011 145% 162,707 103.5% 11.4% 226,502 172.9%
#DIV/0! ### 22.6% 3.9% 3,157,465 26.3%
3,685,691 3,866,672 17.4% 4.9% 4,191,786 18.9%

-100.0%
47.1% -1.05% 52.4% 6.7% 4.3% 56.2% 8.7%

29.1% -2.61% 28.2% -1.0% -2.4% 29.2% 1.6%
29.4% -0.38% 29.0% 0.2% -1.6% 29.2% 0.6%
48.1% 0.41% 48.8% 0.3% 0.0% 48.9% 0.7%
39.6% 0.56% 40.4% -0.2% 3.7% 40.5% -1.8%
47.9% -1.14% 48.3% -0.5% -0.6% 48.8% 1.4%
24.5% -10.67% 21.4% -10.7% 0.7% 17.2% -7.2%
76.70% 1.53% 83.1% 3.2% 6.4% 81.7% 1.3%
605.6% 66.5%
-0.7% -6.05% -2.0% -3.3% -2.4% -0.1% 2.8%
-0.4% -3.24% -1.0% -1.7% -1.2% 0.0% 1.4%
47.8% 47.8% 47.8% 49.3% 49.3%
24.1% 69.4%
32.5% 1.27% 31.7% -0.3% -1.3% 31.8% -0.7%
16,943 18,331 2.3% 8.2% 18,949 2.9%

1.10% -0.33% 1.04% -0.2% -0.1% 1.0% -0.2%
1.05% -0.38% 1.04% -0.2% 0.0% 1.00% -0.2%
2,964 3,185 -22.8% 7.5% 3,553 -13.0%
0.20% -0.10% 0.20% -0.1% 0.0% 0.20% -0.1%
0.19% -0.13% 0.18% -0.1% 0.0% 0.19% -0.1%
13,979 15,146 9.9% 8.3% 15,397 7.5%
82.5% 82.6% 5.7% 0.1% 81.3% 3.4%
0.5% -0.6% -0.4% 0.48% -0.7%

7,094 7,616
0
0.4% 0.4%
221,340 232170 19.0% 4.9% 246060 18.5%
81,770 90550 42.9% 10.7% 113480 63.1%
19,920 20670 22.4% 3.8% 21730 22.1%
323,030 343,390 24.7% 6.3% 381,270 29.3%
102,760 109800 23.6% 6.9% 120040 28.7%
149,970 153910 45.4% 2.6% 168470 46.6%
11,510 10670 9.0% -7.3% 9800 -4.2%
48,730 54050 36.8% 10.9% 58550 41.6%
114,900 110410 15.4% -3.9% 123440 34.5%
13,160 -100.0%
50,230 56,400 52.2% 12.3% 67,210 47.4%

814,290 838,630 28.6% 3.0% 928,780 34.2%
-100.0%
27% 28% -2.2% 0.5% 26% -3.5%

10% 11% 1.1% 0.8% 12.2% 2.2%
2% 2% -0.1% 0.0% 2% -0.2%
40% 41% -1.3% 1.3% 41% -1.6%
13% 13% -0.5% 0.5% 13% -0.5%
18% 18% 2.1% -0.1% 18% 1.5%
1% 1% -0.2% -0.1% 1% -0.4%
6% 6% 0.4% 0.5% 6% 0.3%
14% 13% -1.5% -0.9% 13% 0.0%
0.0% 0.0% 0.0%
6% 7% 1.0% 0.6% 7% 0.6%

98% 100% 0.0% 1.6% 100% 0.0%
323,030 26.0% 343,390 24.7% 6.3% 381,270 29.3%
491,260 30.9% 495,240 31.5% 0.8% 547,510 37.9%
464,600 0 388,110 7.3% -16.5% 401,684 2.0%

634,480 0 647,850 20.3% 2.1% 690,170 15.9%
986,784 0 1,075,552 15.7% 9.0% 1,214,910 26.0%
30.7% 29.9%
52.69% 0.66% 49.10% -0.1% -3.6% 47.30% -3.3%
52.7% 0.66% 49.1% -0.1% -3.6% 47.3% -3.3%
1,879,954 2,098,688 19.8% 4.7% 2,209,138 16.8%

136,549 181,864 49.0% -22.5% 221,613 4.6%
647,684.95 719,358.05 20.5% 7.4% 757,948.45 21.8%
1,429,066 1,677,493 23.3% 5.1% 1,820,091 20.0%
2,203,358 2,805,617 23.7% 6.9% 3,008,440 24.5%
2,076,751 2,396,851 22.5% 5.8% 2,578,039 20.5%
234,480 260,145 18.1% 3.2% 273,139 18.0%
0.0% 0.0% 0.0%
9.6% 0.14% 10.0% 0.9% 0.3% 10.4% 1.4%
10.76% 1.0% 0.4% 10.98% 1.3%

10.6% -0.14% 10.8% 1.0% 0.4% 11.0% 1.3%
7.84% 0.8% 0.1% 8.54% 1.5%

7.2% 0.35% 7.8% 0.8% 0.1% 8.5% 1.5%
0.0% 0.0% 0.0%
0.0% 0.0% 0.0%
5.49% 1.2% 0.8% 6.21% 1.9%

4.65% 0.19% 5.49% 1.2% 0.8% 6.21% 1.9%
4.20% -0.1% 0.0% 4.10% -0.1%
0.00% 4.8% -0.2% -0.3% 4.6% -0.2%
1.5% 0.1% -0.2% 1.6% 0.1%

1.8% 1.5% 0.1% -0.2% 1.6% 0.1%
16.7% 16.7% 1.9% -1.0% 17.6% 1.8%
12.2% -1.10% 11.4% -1.0% -0.8% 11.4% -1.3%
4.0% -0.10% 5.5% 1.6% 1.5% 5.1% 0.8%

16.2% -1.20% 16.9% 0.6% 0.7% 16.5% -0.5%
#DIV/0! #DIV/0!
1,986 261 2,111 386 125 2,150 385

5,471 1,239 5,998 1,605 527 6,520 1,799
102 103 104 105 106 107 108
QoQ 1H12 YoY 3Q12 YoY QoQ 9m12
10.6% 95,090 36.2% 54,175 37.1% 8.5% 149,265

14.7% 30,289 40.7% 17,476 42.6% 8.0% 47,765
97.3% 1,578 69.7% 376 -30.1% -64.1% 1,954
12.4% 126,957 37.5% 72,026 37.7% 7.2% 198,983
20.5% 69,032 60.4% 40,867 66.6% 8.3% 109,898
3.4% 57,925 17.6% 31,160 12.2% 5.8% 89,085
7.1% 19,106 19.2% 11,276 19.6% 14.1% 30,382

-5.3% 4,481 38.3% 3,656 68.6% 67.7% 8,137
-96.9% (426) 39.2% -818 166.4% 6192.3% (1,244)
-17.0% 156 -71.6% 86 -896.3% 21.5% 242
8.2% 23,317 19.5% 14,200 25.9% 17.2% 37,517

4.4% 23,743 19.8% 15,018 29.6% 23.8% 38,761
4.7% 81,242 18.1% 45,360 16.2% 9.1% 126,602

3.7% 81,668 18.2% 46,178 17.3% 11.1% 127,846
5.4% 16,041 16.4% 8,674 19.6% 5.4% 24,715

4.7% 23,609 21.4% 12,905 16.6% 6.9% 36,515
4.9% 39,650 19.3% 21,580 17.8% 6.3% 61,230
4.5% 41,592 17.0% 23,780 14.7% 11.9% 65,372

2.5% 42,018 17.2% 24,598 16.9% 15.6% 66,616
13.6% 4,137 -48.9% 2,893 -1.2% 31.5% 7,030
-41.6% 3,961 98.6% 399 -76.9% -72.7% 4,360

-17.5% 8,097 -19.8% 3,292 -29.3% -10.1% 11,389
10.7% 33,495 31.5% 20,488 27.5% 16.4% 53,983
11.0% 10,651 29.5% 6,191 19.3% 10.5% 16,843
10.5% 22,843 32.5% 14,297 31.4% 19.2% 37,140
0 0
10.5% 22,843 32.5% 14,297 31.4% 19.2% 37,140
14.9% 76,098 44.4% 41,836 30.4% 2.8% 117,934

9.3% 126,671 44.2% 67,472 31.5% 2.0% 194,142
16.5% 48,888 38.7% 29,122 43.9% 10.7% 78,010
-13.3% 14,428 29.2% 8,772.00 12.2% 30.9% 23,200

23.3% 17,343 27.3% 8,782.20 16.0% -8.3% 26,125
228.0% 1,724 153.6% 2,933.70 333.0% 122.1% 4,657
0.2% 4,677 0.5% 4,683 0.8% 0.1% 4,683

5.0% 275,074 10.4% 290,196 18.0% 5.5% 290,196
5.0% 279,751 10.2% 294,878 17.7% 5.4% 294,878
9.2% 2,306,764 10.6% 2,325,082 21.0% 0.8% 2,325,082
1.7% 223,439 55.2% 244,263 -25.0% 9.3% 244,263
32.8% 347,511 19.9% 490,644 41.2% 490,644
10.4% 3,157,465 13.8% 3,354,867 34.3% 6.3% 3,354,867
2.8% 218,138 -26.5% 189,937 2.5% -12.9% 189,937

19,634 34,741 76.9% 34,741
7.8% 786,474 10.9% 802,139 27.3% 2.0% 802,139
7.4% ### 17.8% ### 22.1% 3.1% ###
10.7% 928,780 15.9% 1,003,470 29.5% 8.0% ###
5.9% 970,390 21.5% 939,557 15.0% -3.2% 939,557
21,695 21,766 0.3% 21,766
39.2% 226,502 55.1% 363,256 299.9% 60.4% 363,256
10.4% 3,354,867 34.3% 6.3%
8.4% 4,191,786 13.7% 4,268,110 21.5% 1.8% 4,268,110
3.8% 54.4% 7.8% 56.7% 9.8% 0.6% 55.2%

0.9% 28.7% 0.3% 31.3% 2.4% 2.2% 29.6%
0.2% 29.1% 0.4% 32.5% 3.1% 3.3% 30.3%
0.1% 48.8% 0.5% 47.6% 0.7% -1.3% 48.4%
0.2% 40.5% -1.0% 40.2% 0.6% -0.3% 40.4%
0.6% 48.6% 0.5% 46.7% 0.2% -2.1% 47.9%
-4.2% 19.3% -8.9% 13.4% -8.8% -3.8% 17.1%
-1.4% 81.7% 1.3% 83.6% 0.7% 1.9% 83.57%
129.1% 316.7% 143.5%
2.0% -1.0% -0.2% -3.4% -2.0% -3.4% -1.9%
1.0% -0.5% -0.1% -1.8% -1.0% -1.7% -1.0%
1.5% 49.3% 49.3% 51.6% 51.6% 2.4% 51.6%
44.8% 128.8% 59.0%
0.1% 31.8% -0.5% 30.2% -2.1% -1.6% 31.2%
3.4% 18,949 11.8% 20,206 13.4% 6.6% 20,206

0.0% 1.00% -0.1% 1.0% -0.1% 0.0% 1.03%
0.0% 1.00% -0.1% 1.03% -0.1% 0.0% 1.03%
11.5% 3,553 19.9% 3,980 20.3% 12.0% 3,980
0.0% 0.20% 0.0% 0.20% 0.0% 0.0% 0.20%
0.0% 0.19% 0.0% 0.20% 0.0% 0.0% 0.20%
1.7% 15,397 7.5% 16,226 11.8% 5.4% 16,226
-1.4% 81.3% -1.3% 80.3% -1.1% -0.9% 80.3%
0.0% 0.0% 0.60% -0.1% 0.1%

7.4% 7,616 7,853 3.1% 7,853
7,616 237 7,853
0.0% 0.4% 0.0%
6.0% 246,060 11.2% 257,620 16.2% 4.7% 257,620
25.3% 113,480 38.8% 126,040 44.1% 11.1% 126,040
5.1% 21,730 9.1% 24,050 24.3% 10.7% 24,050
11.0% 381,270 18.0% 407,710 24.1% 6.9% 407,710
9.3% 120,040 16.8% 131,120 33.3% 9.2% 131,120
9.5% 168,470 12.3% 173,580 29.1% 3.0% 173,580
-8.2% 9,800 -14.9% 10,340 -11.0% 5.5% 10,340
8.3% 58,550 20.2% 64,590 41.8% 10.3% 64,590
11.8% 123,440 7.4% 131,280 20.1% 6.4% 131,280
-100.0% 25,850 25,850
19.2% 67,210 33.8% 59,000 25.4% -12.2% 59,000

10.7% 928,780 14.1% 1,003,470 29.5% 8.0% 1,003,470
-1.2% 26% -0.7% 26% -2.9% -0.8% 26%

1.4% 12% 2.2% 12.6% 1.3% 0.3% 13%
-0.1% 2% -0.1% 2% -0.1% 0.1% 2%
0.1% 41% 1.4% 41% -1.8% -0.4% 41%
-0.2% 13% 0.3% 13% 0.4% 0.1% 13%
-0.2% 18% -0.3% 17% -0.1% -0.8% 17%
-0.2% 1% -0.4% 1% -0.5% 0.0% 1%
-0.1% 6% 0.3% 6% 0.6% 0.1% 6%
0.1% 13% -0.8% 13% -1.0% -0.2% 13%
0.0% 0.0% 3% 2.6% 2.6% 3%
0.5% 7% 1.1% 6% -0.2% -1.4% 6%

0.0% 100% 1.6% 100% 0.0% 0.0% 100%
11.0% 381,270 18.0% 407,710 24.1% 6.9% 407,710
10.6% 547,510 11.5% 595,760 33.5% 8.8% 595,760
3.5% 401,684 -13.5% 405,764 12.6% 1.0% 405,764

6.5% 690,170 8.8% 703,300 15.2% 1.9% 703,300
13.0% 1,214,910 23.1% 1,216,018 27.8% 0.1% 1,216,018
-2.5% 29.9% 30.2% 1.1% 30.2%
-1.8% 47.30% -5.4% 47.70% -2.8% 0.4% 47.70%
-1.7% 47.3% -5.4% 47.7% -2.8% 0.4% 47.7%
5.3% 2,196,314 21.1% 2,315,923 19.5% 4.8% 2,205,473

21.9% 183,690 -16.2% 233,851 -26.3% 5.5% 194,102
5.4% 747,884.00 22.3% 794,306.70 25.4% 4.8% 755,716.30
8.5% 1,742,424 23.2% 1,914,025 21.0% 5.2% 1,771,427
7.2% 2,751,819 17.0% 3,256,166 30.3% 8.2% 2,751,819
7.6% 2,490,308 22.9% 2,708,331 22.3% 5.1% 2,527,143
5.0% 266,757 17.8% 287,315 17.7% 5.2% 274,321
0.0% 0.0% 0.0% 0.0%
0.4% 10.2% 1.1% 10.6% 1.2% 0.2% 10.5%
0.2% 0.0% 11.32% 1.3% 0.3%

0.2% 10.9% 1.0% 11.3% 1.3% 0.3% 11.2%
0.7% 0.0% 8.80% 1.1% 0.3%

0.7% 8.1% 1.1% 8.8% 1.1% 0.3% 8.4%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
0.7% 0.0% 6.41% 2.1% 0.2% 6.11%

0.7% 5.80% 1.6% 6.41% 2.1% 0.2% 6.11%
-0.1% 4.10% 4.1% 4.10% -0.1% 0.0% 4.10%
-100.0%
-0.2% -4.9% 4.6% -0.4% 0.0%
0.1% 0.0% 2.0% 0.3% 0.4%

0.0% 1.7% -1.3% 1.8% 0.0% 0.2% 1.8%
0.9% 17.1% 1.9% 19.9% 2.1% 2.3% 18.1%
0.0% 11.4% -0.8% 11.2% -0.9% -0.2% 11.2%
-0.4% 5.1% 1.1% 5.1% 0.9% 0.0% 5.1%

-0.4% 16.5% 0.3% 16.3% 0.0% -0.2% 16.3%
3.1
12.24
39 2,150 164 2,201 421 51 2,201

522 6,520 1,049 7,110 1,989 590 7,110
109 110 111 112 113 114 115
YoY 4Q12 YoY QoQ 12m12 YoY 1Q13
36.5% 56,101 35.2% 3.6% 205,366 36.1% 60,635

41.3% 17,281 33.3% -1.1% 65,046 39.1% 18,787
33.2% 498 137.2% 32.5% 2,452 46.2% 652
37.6% 73,880 35.1% 2.6% 272,864 36.9% 80,074
62.7% 39,997 52.1% -2.1% 149,896 59.7% 45,234
15.6% 33,883 19.3% 8.7% 122,968 16.6% 34,841
19.4% 12,373 23.7% 9.7% 42,755 20.6% 11,433

50.4% 3,252 32.5% -11.1% 11,389 44.8% 3,148
102.9% -715 -931.4% -12.6% (1,959) 271.7% 665
-55.0% 10 -18.3% -88.6% 252 -54.2% 49
21.9% 14,920 18.8% 5.1% 52,437 21.0% 15,295

23.4% 15,635 25.4% 4.1% 54,396 24.0% 14,630
17.4% 48,803 19.2% 7.6% 175,405 17.9% 50,135

17.9% 49,518 21.2% 7.2% 177,364 18.8% 49,470
17.5% 9,284 26.6% 7.0% 33,999 19.9% 9,932

19.6% 15,387 21.6% 19.2% 51,902 20.2% 14,394
18.8% 24,671 23.5% 14.3% 85,901 20.1% 24,326
16.1% 24,132 15.1% 1.5% 89,504 15.9% 25,809

17.1% 24,847 19.0% 1.0% 91,463 17.6% 25,144
-36.3% 2,917 -11.6% 0.8% 9,947 -30.6% 1,748

600
17.1% 66 -93.5% -83.5% 4,426 -6.6% 2,525

-22.8% 2,983 -30.8% -9.4% 14,372 -24.6% 4,873
30.0% 21,149 27.0% 3.2% 75,132 29.1% 20,936
25.6% 6,618 20.2% 6.9% 23,461 24.0% 6,762
32.1% 14,531 30.4% 1.6% 51,671 31.6% 14,174
0 0
32.1% 14,531 30.4% 1.6% 51,671 31.6% 14,174
39.1% 40,109 27.9% -4.1% 158,043 36.1% 42,681

39.5% 71,150 27.3% 5.5% 265,293 36.0% 77,978
40.6% 30,198 29.8% 3.7% 108,208 37.4% 32,669
22.2% 9,518 81.2% 8.5% 32,719 35.0% 10,962.00

23.3% 8,743 -2.3% -0.4% 34,868 15.7% 9,294.20
243.2% 2,888 17.8% -1.6% 7,545 98.1% 680.20
0.7% 4,693 0.9% 0.2% 4,693 0.9% 4,712

16.5% 294,553 18.2% 1.5% 294,553 18.2% 311,325
16.2% 299,247 17.9% 1.5% 299,247 17.9% 316,037
11.5% 2,467,065 18.3% 6.1% 2,467,065 18.3% 2,575,310
69.7% 238,465 65.7% -2.4% 238,465 65.7% 260,642
69.2% 374,319 29.1% -23.7% 374,319 29.1% 448,017
21.0% 3,379,095 21.8% 0.7% 3,379,095 21.8% 3,600,005
-36.0% 149,911 -49.5% -21.1% 149,911 -49.5% 182,864

59,466 71.2% 59,466 56,808
13.1% 974,829 37.4% 21.5% 974,829 37.4% 901,559
21.5% ### 22.2% 0.6% ### 22.2% ###
25.3% 1,071,260 33.7% 6.8% ### 33.7% 1,118,760
17.6% 882,940 10.5% -6.0% 882,940 10.5% 1,014,623
23,472 7.8% 23,472 24,207
148.8% 217,216 48.8% -40.2% 217,216 48.8% 301,187
3,379,095 22.8% 0.7% ### 3,600,008
15.8% 4,421,265 20.0% 3.6% 4,421,265 20.0% 4,708,692

-100.0%
8.5% 54.1% 6.1% -2.6% 54.9% 7.8% 56.5%

1.1% 30.6% -0.1% -0.7% 29.9% 0.8% 30.5%
1.4% 31.6% 1.1% -0.9% 30.7% 1.3% 29.6%
0.6% 50.6% 1.8% 3.0% 49.0% 0.9% 48.5%
-0.4% 37.6% 0.9% -2.6% 39.6% -0.1% 40.8%
0.4% 49.8% 0.9% 3.1% 48.4% 0.5% 49.2%
-8.8% 12.0% -8.7% -1.4% 15.7% -8.8% 19.4%
0.7% 79.2% 2.5% -4.4% 79.21% 2.5% 82.8%
7.9% 93.0% 165.5%
-0.8% -3.0% -3.4% 0.5% -2.2% -1.5% 2.6%
-0.4% -1.4% -1.7% 0.3% -1.1% -0.8% 1.3%
51.6% 54.8% 54.8% 3.2% 54.8% 54.8% 52.4%
606.7% 76.2% 26.5%
-1.1% 31.3% -1.8% 1.1% 31.2% -1.3% 32.3%
19.3% 19,994 18.0% -1.0% 19,994 18.0% 20,863

-0.1% 1.0% -0.1% 0.0% 1.02% -0.1% 0.97%
0.0% 1.01% 0.0% 0.0% 1.01% 0.0% 0.97%
34.3% 3,523 18.9% -11.5% 3,523 18.9% 3,960
0.0% 0.20% 0.0% 0.0% 0.20% 0.0% 0.20%
0.0% 0.18% 0.0% 0.0% 0.18% 0.0% 0.19%
11.8% 16,471 17.8% 1.5% 16,471 17.8% 16,903
-2.2% 82.4% -0.1% 2.1% 82.4% -0.1% 81.0%
0.0% 0.60% -0.2% 0.0% 0.0% 0.3%

7,897 0.6% 7,897 6,463
44 -81.5% 7,897
0.4% 0.0% 0.3%
15,750
1,970
1,300
9,400
3,080
16.4% 263980 19.3% 2.5% 263,980 19.3% 275130

54.1% 130500 59.6% 3.5% 130,500 59.6% 144400
20.7% 25370 27.4% 5.5% 25,370 27.4% 26530
26.2% 419,850 30.0% 3.0% 419,850 30.0% 446,060
27.6% 138910 35.2% 5.9% 138,910 35.2% 147760
15.7% 186390 24.3% 7.4% 186,390 24.3% 195410
-10.2% 10460 -9.1% 1.2% 10,460 -9.1% 9650
32.5% 69600 42.8% 7.8% 69,600 42.8% 76860
14.3% 142590 24.1% 8.6% 142,590 24.1% 136040
96.4% 30180 129.3% 16.8% 30,180 129.3% 34740
17.5% 73,280 45.9% 24.2% 73,280 45.9% 72,240

23.2% 1,071,260 31.6% 6.8% 1,071,260 31.6% 1,118,760
39.9%
-1.5% 24.6% -2.5% -1.0% 25% -2.5% 24.6%

2.5% 12.2% 2.1% -0.4% 12% 2.1% 12.9%
0.0% 2.4% -0.1% 0.0% 2% -0.1% 2.4%
1.0% 39.2% -0.5% -1.4% 39% -0.5% 39.9%
0.4% 13.0% 0.3% -0.1% 13% 0.3% 13.2%
-1.1% 17.4% -1.0% 0.1% 17% -1.0% 17.5%
-0.4% 1.0% -0.4% -0.1% 1% -0.4% 0.9%
0.5% 6.5% 0.5% 0.1% 6% 0.5% 6.9%
-1.0% 13.3% -0.8% 0.2% 13% -0.8% 12.2%
2.6% 2.8% 2.8% 0.2% 3% 2.8% 3.1%
-0.3% 6.8% 0.7% 1.0% 7% 0.7% 6.5%

1.6% 100.0% 1.6% 0.0% 100% 1.6% 100.0%
14%
7%
1%
21%
7%
10%
1%
4%
7%
2%
0%
4%
55%
26.2% 419,850 30.0% 3.0% 419,850 30.0% 446,060
21.3% 651,410 32.6% 9.3% 651,410 32.6% 672,700
-12.7% 454,080 -2.3% 11.9% 454,080 -2.3% 416,820

10.8% 739,980 16.6% 5.2% 739,980 16.6% 766,740
23.2% 1,273,005 29.0% 4.7% 1,273,005 29.0% 1,391,750
30.0% -0.8% 29.8%
-5.0% 48.40% -4.3% 0.7% 48.40% -4.3% 46.00%
-5.0% 48.4% -4.3% 0.7% 48.4% -4.3% 46.0%
3.10%
22.7% 2,396,073 19.6% 3.5% 2,276,464 21.1% 2,521,187

-14.6% 241,364 2.8% 3.2% 191,203 40.0% 249,553
24.3% 888,484.05 32.7% 11.9% 842,061.35 30.0% 938,194.15
24.3% 1,948,614 22.1% 1.8% 1,777,014 24.3% 2,043,791
24.9% 3,366,981 28.3% 3.4% 3,065,457 39.1% 3,489,552
24.3% 2,837,098 25.2% 4.8% 2,619,075 26.1% 2,981,986
17.8% 297,062 17.8% 3.4% 276,505 17.9% 307,642
0.0% 0.0% 0.0% 0.0%
-3.7% 10.4% 0.8% -0.2% 10.4% 0.8% 10.7%
0.0% 11.52% 1.1% 0.2% 0.0% 11.87%

-4.1% 11.5% 1.1% 0.2% 11.6% 1.0% 11.9%
0.0% 7.78% 0.0% -1.0% 0.0% 8.01%

-2.7% 7.8% 0.0% -1.0% 7.7% 0.5% 8.0%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
6.1% 6.07% 1.4% -0.3% 0.0% 6.53%

-0.6% 6.07% 1.4% -0.3% 6.07% 1.4% 6.53%
-0.1% 4.20% 0.0% 0.1% 0.0% 4.30%
-100.0%
-7.6% 4.8% -0.2% 0.2% 0.0% 4.7%
0.0% 2.0% 0.3% 0.0% 0.0% 1.6%

0.1% 1.7% 0.0% 0.0% 1.7% -0.1% 1.6%
-6.1% 19.6% 1.9% -0.3% 18.7% 1.9% 18.4%
-1.0% 11.6% -0.6% 0.4% 11.6% -0.6% 10.9%
1.1% 4.9% 0.9% -0.2% 4.9% 0.9% 4.6%

0.1% 16.5% 0.3% 0.2% 16.5% 0.3% 15.5%
3.1 3.0
12.44 1.6% 12.00
215 2,544 558 343 2,544 558 2,564

1,639 8,913 3,442 1,803 8,913 3,442 9,709
784
4,588
116 117 118 119 120 121 122
YoY QoQ 2Q13 YoY QoQ 1H13 YoY
34.3% 8.1% 64,494 29.1% 6.4% 125,129 31.6%

33.2% 8.7% 19,528 20.7% 3.9% 38,315 26.5%
22.9% 31.0% 1,225 16.9% 87.8% 1,877 18.9%
33.9% 8.4% 85,247 26.9% 6.5% 165,321 30.2%
44.5% 13.1% 47,930 27.0% 6.0% 93,163 35.0%
22.3% 2.8% 37,317 26.7% 7.1% 72,157 24.6%
23.9% -7.6% 12,091 22.4% 5.8% 23,524 23.1%

36.8% -3.2% 2,359 8.2% -25.1% 5,507 22.9%
-261.0% -193.0% -1,059 8046.2% -259.2% (394) -7.5%
-42.7% 399.0% -100.0% -100.0% 49 -68.7%
60 60
36.6% 2.5% 13,451 11.0% -12.1% 28,746 23.3%
26.0% -6.4% 14,510 19.6% -0.8% 29,140 22.7%
26.3% 2.7% 50,768 22.2% 1.3% 100,904 24.2%

23.4% -0.1% 51,827 24.7% 4.8% 101,298 24.0%
27.2% 7.0% 9,629 17.0% -3.0% 19,561 21.9%

24.8% -6.5% 15,426 27.8% 7.2% 29,820 26.3%
25.7% -1.4% 25,055 23.4% 3.0% 49,381 24.5%
26.9% 7.0% 25,713 21.0% -0.4% 51,523 23.9%

21.2% 1.2% 26,772 25.9% 6.5% 51,917 23.6%
-9.7% -40.1% 1,679 -23.7% -4.0% 3,427 -17.2%

-100.0% 600
0
1.0% 3725.8% 1,250 -14.4% -50.5% 3,775 -4.7%

9.8% 63.4% 2,929 -20.0% -39.9% 7,802 -3.6%
31.7% -1.0% 22,784 29.5% 8.8% 43,721 30.5%
34.0% 2.2% 7,184 28.2% 6.2% 13,947 30.9%
30.6% -2.5% 15,600 30.1% 10.1% 29,774 30.3%
0
30.6% -2.5% 15,600 30.1% 10.1% 29,774 30.3%
20.5% 6.4% 45,480 11.8% 6.6% 88,160 15.9%

28.8% 9.6% 83,376 26.0% 6.9% 161,354 27.4%
44.7% 8.2% 113,802 332.6% 248.4% 146,470 199.6%
41.9% 15.2% 10,885.60 62.5% -0.7% 21,848 51.4%

19.7% 6.3% 10,891.30 13.7% 17.2% 20,186 16.4%
68.9% -76.4% 1,007.30 -23.7% 48.1% 1,688 -2.1%
0.9% 0.4% 4,723 1.0% 0.2% 4,723 0.6%

18.9% 5.7% 328,727 19.5% 5.6% 328,727 11.6%
18.6% 5.6% 333,450 19.2% 5.5% 333,450 11.4%
22.0% 4.4% 2,741,300 18.8% 6.4% 2,741,300 11.1%
18.6% 9.3% 309,726 38.6% 18.8% 309,726 29.9%
71.3% 19.7% 389,269 12.0% -13.1% 389,269 4.0%
25.9% 6.5% 3,773,746 19.5% 4.8% 3,773,746 11.7%
-13.8% 22.0% 216,863 -0.6% 18.6% 216,863 44.7%

-4.5% 50,262 156.0% -11.5% 50,262 -15.5%
23.6% -7.5% 917,338 16.6% 1.8% 917,338 -5.9%
21.5% 9.2% ### 22.9% 8.6% ### 18.5%
33.4% 4.4% 1,231,500 32.6% 10.1% 1,231,500 15.0%
10.7% 14.9% 1,084,986 11.8% 6.9% 1,084,986 22.9%
3.1% 25,001 15.2% 3.3% 25,001 6.5%
85.1% 38.7% 247,796 9.4% -17.7% 247,796 14.1%
25.9% 6.5% 3,773,746 19.5% 4.8% -100.0%
21.8% 6.5% 5,057,787 20.7% 7.4% 5,057,787 14.4%
4.1% 2.4% 56.2% 0.1% -0.3% 56.4% 2.0%

2.3% -0.1% 26.5% -2.7% -4.0% 28.5% -0.2%
0.6% -2.0% 28.0% -1.2% -1.6% 28.8% -0.3%
-0.2% -2.0% 49.4% 0.5% 0.8% 48.9% 0.1%
0.5% 3.2% 38.4% -2.1% -2.4% 39.6% -0.8%
0.9% -0.6% 48.3% -0.5% -0.8% 48.7% 0.2%
-2.0% 7.4% 10.9% -6.3% -8.4% 15.0% -4.2%
-0.3% 3.6% 84.5% 2.8% 1.7% 84.5% 2.8%
110.3% 132.1%
4.6% 5.5% -4.1% -4.1% -6.7% -0.8% 0.3%
2.4% 2.8% -2.0% -2.0% -3.4% -0.4% 0.1%
4.7% -2.4% 53.2% 3.9% 0.7% 53.2% 3.9%
61.6% 44.2%
0.6% 1.0% 31.5% -0.3% -0.8% 31.9% 0.1%
13.8% 4.3% 21,334 12.6% 2.3% 21,334 6.7%

-0.1% -0.1% 0.9% -0.1% -0.1% 0.91% -0.1%
-0.1% 0.0% 0.91% -0.1% -0.1% 0.91% -0.1%
24.3% 12.4% 3,869 8.9% -2.3% 3,869 9.8%
0.0% 0.0% 0.20% 0.0% 0.0% 0.20% 0.0%
0.0% 0.0% 0.17% 0.0% 0.0% 0.17% 0.0%
11.6% 2.6% 17,466 13.4% 3.3% 17,466 13.4%
-1.6% -1.4% 81.9% 0.6% 0.8% 81.9% -0.5%
-0.1% -0.3% 0.30% -0.2% 0.0% 0.0%

-8.9% -18.2% 7,013 -7.9% 8.5% 7,013 -11.2%
-100.0% -883 -111.6%
-25.0% -25.0% 0.3% -25.0% 0.0% 0.3%
18.5% 4.2% 290040 17.9% 5.4% 290,040 9.9%
59.5% 10.7% 164690 45.1% 14.1% 164,690 26.2%
28.4% 4.6% 27490 26.5% 3.6% 27,490 8.4%
29.9% 6.2% 482,220 26.5% 8.1% 482,220 14.9%
34.6% 6.4% 158530 32.1% 7.3% 158,530 14.1%
27.0% 4.8% 214860 27.5% 10.0% 214,860 15.3%
-9.6% -7.7% 9680 -1.2% 0.3% 9,680 -7.5%
42.2% 10.4% 86100 47.1% 12.0% 86,100 23.7%
23.2% -4.6% 155460 25.9% 14.3% 155,460 9.0%
15.1% 39930 14.9% 39,930 32.3%
28.1% -1.4% 84,720 26.1% 17.3% 84,720 15.6%

33.4% 4.4% 1,231,500 32.6% 10.1% 1,231,500 15.0%
-100.0% 0
-3.1% -0.05% 24% -2.9% -1.04% 24% -1.1%

2.1% 0.73% 13.4% 1.2% 0.47% 13% 1.2%
-0.1% 0.00% 2% -0.1% -0.14% 2% -0.1%
-1.1% 0.68% 39% -1.9% -0.71% 39% 0.0%
0.1% 0.24% 13% -0.1% -0.33% 13% -0.1%
-0.9% 0.07% 17% -0.7% -0.02% 17% 0.0%
-0.4% -0.11% 1% -0.3% -0.08% 1% -0.2%
0.4% 0.37% 7% 0.7% 0.12% 7% 0.5%
-1.0% -1.15% 13% -0.7% 0.46% 13% -0.7%
3.1% 0.29% 3% 3.2% 0.14% -2.8%
-0.3% -0.38% 7% -0.4% 0.42% 7% 0.0%

0.0% 0.00% 100% 0.0% 0.00% 100% 0.0%
29.9% 6.2% 482,220 26.5% 8.1% 482,220 14.9%
35.8% 3.3% 749,280 36.9% 11.4% 749,280 15.0%
7.4% -8.2% 466,747 16.2% 12.0% 466,747 2.8%

18.4% 3.6% 791,510 14.7% 3.2% 791,510 7.0%
29.4% 9.3% 1,483,044 22.1% 6.6% 1,483,044 16.5%
-3.0% -0.7% 28.9% -3.5% -3.0% 28.9% -3.5%
-3.1% -2.4% 45.90% -1.4% -0.1% 45.90% -2.5%
-3.1% -2.4% 45.9% -1.4% -0.1% 45.9% -2.5%
-100.0%
20.1% 5.2% 2,658,305 20.3% 5.4% 2,604,182 18.6%

37.2% 3.4% 285,184 28.7% 14.3% 274,096 49.2%
30.4% 5.6% 909,448.45 20.0% -3.1% 946,083.40 26.5%
21.8% 4.9% 2,224,934 22.2% 8.9% 2,135,343 22.6%
24.4% 3.6% 3,686,877 22.6% 5.7% 3,379,095 22.8%
24.4% 5.1% 3,134,383 21.6% 5.1% 3,081,427 23.7%
18.3% 3.6% 324,743 18.9% 5.6% 316,348 18.6%
0.0% 0.0% 0.0% 0.0% 0.0%
0.8% 0.3% 10.9% 0.5% 0.1% 10.7% 0.5%
1.1% 0.4% 11.59% 0.6% -0.3% 0.0%

1.1% 0.4% 11.6% 0.6% -0.3% 11.7% 0.8%
0.2% 0.2% 8.59% 0.0% 0.6% 0.0%

0.2% 0.2% 8.6% 0.0% 0.6% 8.1% 0.0%
0.0% 0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0% 0.0%
1.0% 0.5% 6.51% 0.3% 0.0% 0.0%

1.0% 0.5% 6.51% 0.3% 0.0% 6.47% 0.7%
0.1% 0.1% 4.20% 0.1% -0.1% 4.20% 0.1%
-0.1% -0.1% 4.8% 0.2% 0.1% 0.0%
0.1% -0.4% 1.6% 0.0% 0.0% 0.0%

0.1% -0.1% 1.6% 0.0% 0.0% 1.8% 0.1%
1.7% -1.1% 19.2% 1.7% 0.8% 18.8% 1.7%
-0.5% -0.7% 11.4% 0.0% 0.5% 11.4% -0.2%
-0.9% -0.3% 5.6% 0.5% 1.0% 5.6% 0.7%

-1.4% -1.0% 17.0% 0.5% 1.5% 17.0% 0.5%
2,730,000
3.3
-3.6% 13.20 10.1%
453 20 2,620 470 56 2,620 76

3,711 796 10,316 3,796 607 10,316 1,403
123 124 125 126 127 128 129
3Q13 YoY QoQ 9mFY13 YoY 4Q13 YoY
67,217 24.1% 4.2% 192,346 28.9% 70,865 26.3%

18,930 8.3% -3.1% 57,244 19.8% 20,959 21.3%
930 147.4% -24.1% 2,807 43.7% 1,415 184.3%
87,076 20.9% 2.1% 252,397 26.8% 93,239 26.2%
49,088 20.1% 2.4% 142,251 29.4% 50,287 25.7%
37,989 21.9% 1.8% 110,146 23.6% 42,953 26.8%
14,019 24.3% 15.9% 37,543 23.6% 13,826 11.7%

2,580 -29.4% 9.4% 8,087 -0.6% 2,014 -38.1%
1,358 -266.0% -228.2% 964 -177.5% 649 -190.8%
32 -62.9% 81 -66.6% 1,547 15685.7%
-100.0% 60
17,989 26.7% 33.7% 46,735 24.6% 18,036 20.9%
16,631 10.7% 14.6% 45,771 18.1% 17,387 11.2%
55,977 23.4% 10.3% 156,881 23.9% 60,989 25.0%

54,619 18.3% 5.4% 155,917 22.0% 60,340 21.9%
10,039 15.7% 4.3% 29,601 19.8% 10,053 8.3%

15,702 21.7% 1.8% 45,522 24.7% 21,308 38.5%
25,741 19.3% 2.7% 75,122 22.7% 31,362 27.1%
30,236 27.1% 17.6% 81,759 25.1% 29,627 22.8%

28,878 17.4% 7.9% 80,795 21.3% 28,978 16.6%
3,072 6.2% 83.0% 6,499 -7.5% -100.0%

600
0
-100.0% -100.0% 3,775 -13.4% -100.0%

3,072 -6.7% 4.9% 10,874 -4.5% 3,005 0.8%
27,164 32.6% 19.2% 70,885 31.3% 26,622 25.9%
8,573 38.5% 19.3% 22,520 33.7% 7,723 16.7%
18,591 30.0% 19.2% 48,365 30.2% 18,898 30.1%
0 0
18,591 30.0% 19.2% 48,365 30.2% 18,898 30.1%
44,603 6.6% -1.9% 132,763 12.6% -100.0%

88,005 30.4% 5.6% 249,359 28.4% -100.0%
34,393 18.1% -69.8% 180,863 131.8% -100.0%
12,764.20 45.5% 17.3% 34,612 49.2% 12,908 35.6%

12,288.10 39.9% 12.8% 32,474 24.3% 11,768 34.6%
2,111.60 -28.0% 109.6% 3,799 -18.4% 1,946 -32.6%
4,736 1.1% 0.3% 4,736 0.9% 4,759 1.4%

349,625 20.5% 6.4% 349,625 18.7% 357,383 21.3%
354,361 20.2% 6.3% 354,361 18.4% 362,141 21.0%
2,841,186 22.2% 3.6% 2,841,186 15.2% 2,962,470 20.1%
315,848 29.3% 2.0% 315,848 32.5% 330,066 38.4%
325,896 -33.6% -16.3% 325,896 -12.9% 348,642 -6.9%
3,837,291 14.4% 1.7% 3,837,291 13.6% 4,003,319 18.5%
199,749 5.2% -7.9% 199,749 33.2% 146,274 -2.4%

47,450 36.6% -5.6% 47,450 -20.2% 126,528 112.8%
959,788 19.7% 4.6% 959,788 -1.5% 1,116,136 14.5%
### 24.3% 4.2% ### 23.6% ### 22.7%
1,299,580 29.5% 5.5% ### 21.3% 1,363,000 27.2%
1,115,353 18.7% 2.8% ### 26.3% 1,034,206 17.1%
25,693 18.0% 2.8% 25,693 9.5% 27,031 15.2%
189,677 -47.8% -23.5% 189,677 -12.7% 190,144 -12.5%
3,837,289 14.4% 1.7% -100.0% 4,003,319 18.5%
5,256,118 23.1% 3.9% 5,256,118 18.9% 5,359,676 21.2%
56.4% -0.4% 0.1% 56.4% 1.1% 53.9% -0.2%

32.1% 0.8% 5.6% 29.8% 0.2% 29.6% -1.0%
30.4% -2.1% 2.5% 29.4% -1.0% 28.8% -2.8%
46.0% -1.6% -3.4% 47.9% -0.5% 51.4% 0.9%
39.0% -1.2% 0.6% 39.4% -1.0% 32.1% -5.6%
47.1% 0.4% -1.2% 48.2% 0.3% 52.0% 2.2%
10.6% -2.7% -0.3% 13.5% -3.6% 10.4% -1.6%
85.0% 1.4% 0.5% 85.00% 1.4% 80.9% 1.7%
98.6% 123.2% -14.6%
4.5% 7.9% 8.6% 1.2% 3.1% 2.2% 5.2%
2.5% 4.3% 4.5% 0.6% 1.6% 1.1% 2.5%
53.8% 2.2% 0.7% 53.8% 2.2% 56.9% 2.0%
69.2% 49.6% -357.8%
31.6% 1.3% 0.0% 31.8% 0.6% 29.0% -2.3%
24,322 20.4% 14.0% 24,322 21.6% 23,346 16.8%

1.0% 0.0% 0.1% 1.00% 0.0% 1.0% -0.1%
1.00% 0.0% 0.1% 1.00% 0.0% 0.97% 0.0%
4,958 24.6% 28.2% 4,958 40.7% 4,690 33.1%
0.20% 0.0% 0.0% 0.20% 0.0% 0.20% 0.0%
0.21% 0.0% 0.0% 0.21% 0.0% 0.20% 0.0%
19,364 19.3% 10.9% 19,364 19.3% 18,657 13.3%
79.6% -0.7% -2.3% 79.6% -2.8% 79.9% -2.5%
0.52% -0.1% 0.2% 0.0% 0.00% -0.6%

7,025 -10.5% 0.2% 7,025 -11.0% 4,841 -38.7%
12 -95.1% -872 -111.1% (2,184) -5081.2%
0.3% -28.0% -4.0% 0.3% 0.2% -50.0%
300410 16.6% 3.6% 300410 13.8% -100.0%
163710 29.9% -0.6% 163710 25.4% -100.0%
29430 22.4% 7.1% 29430 16.0% -100.0%
493,550 21.1% 2.3% 493,550 17.6% - -100.0%
168090 28.2% 6.0% 168090 21.0% -100.0%
230810 33.0% 7.4% 230810 23.8% -100.0%
10630 2.8% 9.8% 10630 1.6% -100.0%
100110 55.0% 16.3% 100110 43.8% -100.0%
158960 21.1% 2.3% 158960 11.5% -100.0%
47030 81.9% 17.8% 47030 55.8% -100.0%
90,400 53.2% 6.7% 90,400 23.4% 1,363,000 1760.0%

1,299,580 29.5% 5.5% 1,299,580 21.3% 1,363,000 27.2%
0
23% -2.6% -0.4% 23% -1.5% 0.0% -24.6%

12.6% 0.0% -0.8% 13% 0.4% 0.0% -12.2%
2% -0.1% 0.0% 2% -0.1% 0.0% -2.4%
38% -2.7% -1.2% 38% -1.2% 0.0% -39.2%
13% -0.1% 0.1% 13% 0.0% 0.0% -13.0%
18% 0.5% 0.3% 18% 0.4% 0.0% -17.4%
1% -0.2% 0.0% 1% -0.2% 0.0% -1.0%
8% 1.3% 0.7% 8% 1.2% 0.0% -6.5%
12% -0.9% -0.4% 12% -1.1% 0.0% -13.3%
4% 1.0% 0.4% 4% 0.8% 0.0% -2.8%
7% 1.1% 0.1% 7% 0.1% 100.0% 93.2%

100% 0.0% 0.0% 100% 0.0% 100.0% 0.0%
12% 0%
7% 0%
1% 0%
20% 0%
7% 0%
10% 0%
0% 0%
4% 0%
7% 0%
2% 0%
0% 0%
4% 57%
54% 57%
493,550 21.1% 2.3% 493,550 17.6% 0 -100.0%
806,030 35.3% 7.6% 806,030 23.7% 1,363,000 109.2%
470,040 15.8% 0.7% 470,040 3.5% 523,100 15.2%

819,420 16.5% 3.5% 819,420 10.7% 882,110 19.2%
1,551,726 27.6% 4.6% 1,551,726 21.9% 1,557,260 22.3%
28.8% -4.7% -0.1% 28.8% -4.7% 29.8% -0.7%
45.40% -2.3% -0.5% 45.40% -3.0% 45.40% -3.0%
45.4% -2.3% -0.5% 45.4% -3.0% 47.4% -1.0%
2,791,243 20.5% 5.0% 2,654,125 20.3% 2,901,828 21.1%

312,787 33.8% 9.7% 277,157 42.8% 322,957 33.8%
938,562.60 18.2% 3.2% 967,308.30 28.0% 1,037,961.75 16.8%
2,365,709 23.6% 6.3% 2,184,566 23.3% 2,406,069 23.5%
3,805,517 16.9% 3.2% 3,379,095 22.8% 3,920,304 16.4%
3,304,272 22.0% 5.4% 3,151,875 24.7% 3,444,031 21.4%
343,906 19.7% 5.9% 326,804 19.1% 358,251 20.6%
0.0% 0.0% 0.0% 0.0%
10.5% -0.1% -0.3% 10.7% 0.2% 10.8% 0.4%
11.37% 0.0% -0.2% 0.0% 11.78% 0.3%

11.4% 0.0% -0.2% 11.7% 0.5% 11.8% 0.3%
8.07% -0.7% -0.5% 0.0% 8.08% 0.3%

8.1% -0.7% -0.5% 7.9% -0.5% 8.1% 0.3%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
6.33% -0.1% -0.2% 6.47% 0.4% 6.24% 0.2%

6.33% -0.1% -0.2% 6.47% 0.4% 6.24% 0.2%
4.10% 0.0% -0.1% 4.20% 0.1% 4.50% 0.3%
4.6% 0.0% -0.2% 0.0% 5.0% 0.2%
2.0% 0.0% 0.4% 1.87% 1.9% 2.0% 0.0%

2.0% 0.2% 0.4% 1.9% 0.1% 1.9% 0.2%
21.6% 1.7% 2.4% 19.7% 1.7% 21.1% 1.5%
10.9% -0.3% -0.5% 10.9% -0.7% 10.5% -1.1%
6.1% 1.0% 0.5% 6.1% 1.2% 5.0% 0.1%

17.0% 0.7% 0.0% 17.0% 0.5% 15.5% -1.0%
2,870,000 5.1% 3,060,000
15.73 28.6% 19.2% 15.99 28.6%
2,776 575 156 2,776 232 3,062 518

10,490 3,380 174 10,490 1,577 10,743 1,830
69,000
130 131 132 133 134 135 136
QoQ 12mFY13 YoY 1Q14 YoY QoQ 2Q14
5.4% 263,211 28.2% 73,247 20.8% 3.4% 76,921

10.7% 78,203 20.2% 22,178 18.1% 5.8% 22,917
52.2% 4,222 72.2% 1,204 84.6% -14.9% 1,095
7.1% 345,636 26.7% 96,630 20.7% 3.6% 100,933
2.4% 192,538 28.4% 52,443 15.9% 4.3% 56,168
13.1% 153,099 24.5% 44,187 26.8% 2.9% 44,765
-1.4% 51,369 20.1% 12,845 12.4% -7.1% 13,544

-21.9% 10,101 -11.3% 3,143 -0.2% 56.1% 5,014
-52.2% 1,613 -182.3% 1,995 200.0% 207.4% -1,733
4749.5% 1,628 546.2% 1,273 2503.3% -17.7% 1,619
0.3% 64,711 23.4% 19,256 25.9% 6.8% 18,444

4.5% 63,098 16.0% 17,261 18.0% -0.7% 20,177
9.0% 217,809 24.2% 63,443 26.5% 4.0% 63,209

10.5% 216,196 21.9% 61,448 24.2% 1.8% 64,942
0.1% 39,654 16.6% 11,091 11.7% 10.3% 10,357

35.7% 66,830 28.8% 19,291 34.0% -9.5% 18,985
21.8% 106,484 24.0% 30,382 24.9% -3.1% 29,342
-2.0% 111,326 24.4% 33,061 28.1% 11.6% 33,867

0.3% 109,713 20.0% 31,066 23.6% 7.2% 35,600
-100.0% 6,499 -34.7% 4,471 155.8% 3,259

-100.0%
500 600
300
3,775 -14.7% -100.0%
-2.2% 10,274 -28.5% 5,271 8.2% 75.4% 3,859
-2.0% 101,051 34.5% 27,790 32.7% 4.4% 30,007
-9.9% 30,243 28.9% 9,351 38.3% 21.1% 10,184
1.7% 70,808 37.0% 18,439 30.1% -2.4% 19,823
0 0 0
1.7% 70,808 37.0% 18,439 30.1% -2.4% 19,823
-100.0% 132,763 -16.0% -100.0%

-100.0% 249,359 -6.0% -100.0%
-100.0% 180,863 67.1% -100.0%
1.1% 47,520 45.2% 12,052 9.9% -6.6% 16,852.00

-4.2% 44,242 26.9% 12,215 31.4% 3.8% 13,720.10
-7.8% 5,745 -23.9% 3,523 417.9% 81.0% -564.70
0.5% 4,759 1.4% 4,778 1.4% 0.4% 4,783

2.2% 357,383 21.3% 379,322 21.8% 6.1% 400,069
2.2% 362,141 21.0% 384,100 21.5% 6.1% 404,852
4.3% 2,962,470 20.1% 3,033,148 17.8% 2.4% 3,130,111
4.5% 330,066 38.4% 391,394 50.2% 18.6% 393,399
7.0% 348,642 -6.9% 354,682 -20.8% 1.7% 383,306
4.3% 4,003,319 18.5% 4,163,323 15.6% 4.0% 4,311,668
-26.8% 146,274 -2.4% 189,696 3.7% 29.7% 199,444

166.7% 126,528 112.8% 64,471 13.5% -49.0% 80,863
16.3% ### 14.5% 1,048,238 16.3% -6.1% 1,018,500
-0.7% ### 22.7% 2,585,894 21.2% 7.9% 2,686,170
4.9% ### 27.2% 1,396,383 24.8% 2.4% -
-7.3% ### 17.1% 1,189,511 17.2% 15.0% 2,686,170
5.2% 27,031 15.2% 29,423 21.6% 8.9% 29,487
0.2% 190,144 -12.5% 245,602 -18.5% 29.2% 297,204
4.3% ### 18.5% 4,163,323 15.6% 4.0% 4,311,668
2.0% 5,359,676 21.2% 5,619,042 19.3% 4.8% 5,816,281
-2.4% 55.7% 0.8% 54.3% -2.2% 0.3% 55.6%

-2.6% 29.7% -0.2% 30.4% -0.2% 0.8% 29.2%
-1.6% 29.2% -1.5% 28.1% -1.5% -0.7% 31.1%
5.4% 48.9% -0.1% 47.9% -0.6% -3.5% 46.4%
-6.9% 37.2% -2.3% 36.5% -4.3% 4.4% 35.3%
4.8% 49.3% 0.8% 49.4% 0.3% -2.5% 45.2%
-0.3% 9.4% -6.3% 17.0% -2.4% 6.6% 10.8%
-4.1% 80.92% 1.7% 85.25% 2.4% 4.3% 85.8%
89.4% 267.0% 103.4%
-2.3% 1.4% 3.6% 6.0% 3.5% 3.8% -5.1%
-1.4% 0.7% 1.9% 3.2% 1.9% 2.2% -2.7%
3.0% 56.9% 2.0% 54.0% 1.6% -2.9% 0.0%
65.9% 17.7% -1392.5%
-2.5% 29.9% -1.3% 33.6% 1.4% 4.6% 33.9%
-4.0% 23,346 16.8% 27,190 30.3% 16.5% 29,417

0.0% 0.97% -0.1% 1.00% 0.0% 0.0% 1.1%
0.0% 0.97% 0.0% 1.04% 0.1% 0.1% 1.09%
-5.4% 4,690 33.1% 6,890 74.0% 46.9% 7,672
0.0% 0.20% 0.0% 0.30% 0.1% 0.1% 0.30%
0.0% 0.20% 0.0% 0.27% 0.1% 0.1% 0.29%
-3.7% 18,657 13.3% 20,300 20.1% 8.8% 21,745
0.3% 79.9% -2.5% 74.7% -6.4% -5.3% 73.9%
-0.5% 0.0% 0.7% 0.4% 0.7% 0.49%

-31.1% 4,841 -38.7% 5,226 -19.1% 8.0% 5,431
-18940.5% -3,056 -138.7% -100.0%
-30.6% 0.2% -33.3% 0.0% 0.2%
-100.0%
-100.0%
-100.0%
-100.0%
- -100.0%
-100.0% 0 -100.0% -100.0%

-100.0% 0 -100.0% -100.0%
-100.0% 0 -100.0% -100.0%
-100.0% 0 -100.0% 0 -100.0% 0
-100.0% 0 -100.0% -100.0%
-100.0% 0 -100.0% -100.0%
-100.0% 0 -100.0% -100.0%
-100.0% 0 -100.0% -100.0%
-100.0% 0 -100.0% -100.0%
-100.0% 0 -100.0% -100.0%
1407.7% 1,363,000 1760.0% -100.0% -100.0%

4.9% 1,363,000 27.2% 0 -100.0% -100.0% 0
#DIV/0!
-23.1% 0% -24.6% #DIV/0! #DIV/0!

-12.6% 0% -12.2% #DIV/0! #DIV/0!
-2.3% 0% -2.4% #DIV/0! #DIV/0!
-38.0% 0% -39.2% #DIV/0! #DIV/0!
-12.9% 0% -13.0% #DIV/0! #DIV/0!
-17.8% 0% -17.4% #DIV/0! #DIV/0!
-0.8% 0% -1.0% #DIV/0! #DIV/0!
-7.7% 0% -6.5% #DIV/0! #DIV/0!
-12.2% 0% -13.3% #DIV/0! #DIV/0!
-3.6% 0% -2.8% #DIV/0! #DIV/0!
93.0% 100% 93.2% #DIV/0! #DIV/0!

0.0% 100% 0.0% #DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
-100.0% 0 -100.0% 0 -100.0% 0

69.1% 1,363,000 109.2% 0 -100.0% -100.0% 0
11.3% 523,100 15.2% 460,710 10.5% -11.9% 477,711

7.7% 882,110 19.2% 894,800 16.7% 1.4% 932,850
0.4% 1,557,260 22.3% 1,677,638 20.5% 7.7% 1,719,551
3.2% 0 -0.9% -0.9% 29.8%
0.0% 45.40% -3.0% 44.70% -1.3% -0.7% 45.00%
2.0% 47.4% -1.0% 44.7% -1.3% -2.7% 45.1%
-100.0%
4.0% 2,714,767 19.3% 2,997,809 18.9% 3.3% 3,081,630

3.3% 284,266 48.7% 360,730 44.6% 11.7% 392,396
10.6% 1,045,482.55 24.2% 1,082,186.85 15.3% 4.3% 1,033,368.85
1.7% 2,175,703 22.4% 2,491,550 21.9% 3.6% 2,636,032
3.0% 3,691,207 20.4% 4,083,321 17.0% 4.2% 4,237,495
4.2% 3,221,186 23.0% 3,573,737 19.8% 3.8% 3,669,401
4.2% 330,694 19.6% 373,120 21.3% 4.2% 394,476
0.0% 0.0% 0.0% 0.0%
0.3% 10.7% 0.3% 10.8% 0.1% 0.0% 11.0%
0.4% 0.0% 11.76% -0.1% 0.0% 11.67%

0.4% 12.1% 0.5% 11.8% -0.1% 0.0% 11.7%
0.0% 0.0% 8.20% 0.2% 0.1% 8.87%

0.0% 7.5% -0.2% 8.2% 0.2% 0.1% 8.9%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
-0.1% 0.0% 6.25% -0.3% 0.0% 6.47%

-0.1% 6.42% 0.3% 6.25% -0.3% 0.0% 6.47%
0.4% 0.0% 4.55% 0.3% 0.1% 4.30%
0.4% 0.0% 4.9% 0.3% 0.0% 4.9%
0.0% 0.0% 2.00% 0.4% 0.0% 2.0%

0.0% 1.9% 0.2% 1.8% 0.2% -0.1% 1.9%
-0.5% 21.4% 2.7% 19.8% 1.3% -1.3% 20.1%
-0.4% 10.5% -1.1% 10.5% -0.4% 0.0% 9.9%
-1.1% 5.0% 0.1% 5.0% 0.4% 0.0% 4.7%

-1.5% 15.5% -1.0% 15.5% 0.0% 0.0% 14.6%
6.6% 3,259,000 6.5% 3,410,000
1.7% 15.43 28.7% -3.5% 16.59
286 3,062 518 3,119 555 57 3,251

253 10,743 1,830 11,088 1,379 345 11,177
1,891
54%
18,550
137 138 139 140 141 142 143
YoY QoQ 1H14 YoY 3Q14 YoY QoQ
19.3% 5.0% 150,169 20.0% 81,831 21.7% 6.4%

17.4% 3.3% 45,096 17.7% 23,094 22.0% 0.8%
-10.6% -9.1% 2,299 22.5% 982 5.6% -10.3%
18.4% 4.5% 197,563 19.5% 105,907 21.6% 4.9%
17.2% 7.1% 108,611 16.6% 59,559 21.3% 6.0%
20.0% 1.3% 88,952 23.3% 46,348 22.0% 3.5%
12.0% 5.4% 26,389 12.2% 15,750 12.3% 16.3%

112.5% 59.5% 8,157 48.1% 3,332 29.1% -33.5%
63.6% -186.9% 262 -166.5% 509 -62.5% -129.4%
27.2% 2,892 5814.1% 1,891 5827.9% 16.8%
-100.0% 0 -100.0%
37.1% -4.2% 37,700 31.1% 21,482.7 19.4% 16.5%
39.1% 16.9% 37,438 28.5% 20,974 26.1% 4.0%
24.5% -0.4% 126,652 25.5% 67,830 21.2% 7.3%

25.3% 5.7% 126,390 24.8% 67,321 23.3% 3.7%
7.6% -6.6% 21,448 9.6% 9,730 -3.1% -6.1%

23.1% -1.6% 38,276 28.4% 19,221 22.4% 1.2%
17.1% -3.4% 59,724 20.9% 28,951 12.5% -1.3%
31.7% 2.4% 66,928 29.9% 38,880 28.6% 14.8%

33.0% 14.6% 66,666 28.4% 38,371 32.9% 7.8%
94.1% -27.1% 7,731 125.6% 3,088 0.5% -5.2%

0 -100.0%
0
1,100 800
300
-100.0% 0 -100.0%
31.8% -26.8% 9,131 17.0% 3,888 26.6% 0.8%
31.7% 8.0% 57,798 32.2% 34,991 28.8% 16.6%
41.8% 8.9% 19,536 40.1% 11,734 36.9% 15.2%
27.1% 7.5% 38,262 28.5% 23,257 25.1% 17.3%
0 0
27.1% 7.5% 38,262 28.5% 23,257 25.1% 17.3%
-100.0% 0 -100.0% -100.0%

-100.0% 0 -100.0% -100.0%
-100.0% 0 -100.0% -100.0%
54.8% 39.8% 28,904 32.3% 15,493.40 21.4% -8.1%

26.0% 12.3% 25,935 28.5% 15,129.70 23.1% 10.3%
-156.1% -116.0% 2,958 75.3% 4,368.20 106.9% -873.5%
1.3% 0.1% 4,783 0.5% 4,789 1.1% 0.1%

21.7% 5.5% 400,069 11.9% 424,124 21.3% 6.0%
21.4% 5.4% 404,852 11.8% 428,913 21.0% 5.9%
14.2% 3.2% 3,130,111 5.7% 3,492,152 22.9% 11.6%
27.0% 0.5% 393,399 19.2% 438,485 38.8% 11.5%
-1.5% 8.1% 383,306 9.9% 321,772 -1.3% -16.1%
14.3% 3.6% 4,311,668 7.7% 4,681,322 22.0% 8.6%
-8.0% 5.1% 199,444 36.3% 212,514 6.4% 6.6%

60.9% 25.4% 80,863 -36.1% 139,393 193.8% 72.4%
11.0% -2.8% 1,018,500 -8.7% 1,106,165 15.3% 8.6%
16.0% 3.9% ### 12.1% 2,967,416 22.9% 10.5%
-100.0% -100.0% 0 -100.0% - -100.0%
147.6% 125.8% 2,686,170 159.7% 2,967,416 166.1% 10.5%
17.9% 0.2% 29,487 9.1% 29,386 14.4% -0.3%
19.9% 21.0% 297,204 56.3% 226,449 19.4% -23.8%
14.3% 3.6% -100.0% 4,681,322 22.0% 8.6%
15.0% 3.5% 5,816,281 8.5% 6,459,568 22.9% 11.1%
-0.6% 1.4% 55.0% -1.4% 56.2% -0.1% 0.6%

2.7% -1.2% 29.8% 1.3% 31.7% -0.5% 2.5%
3.1% 3.0% 29.6% 0.9% 31.2% 0.7% 0.1%
-2.9% -1.5% 47.2% -1.8% 42.7% -3.3% -3.7%
-3.1% -1.2% 35.9% -3.7% 33.6% -5.4% -1.7%
-3.2% -4.3% 47.3% -1.5% 43.0% -4.1% -2.2%
-0.1% -6.1% 13.7% -1.3% 10.1% -0.5% -0.7%
1.3% 0.6% 85.8% 1.3% 85.0% 0.0% -0.8%
172.4% 77.7%
-1.0% -11.2% 0.4% 1.2% 1.3% -3.2% 6.4%
-0.6% -5.9% 0.2% 0.6% 0.8% -1.7% 3.4%
-53.2% -54.0% 0.0% -53.2% 0.0% -53.8% 0.0%
-471.7% 0.0%
2.4% 0.3% 33.8% 1.9% 33.5% 2.0% -0.4%
37.9% 8.2% 29,417 26.0% 30,178 24.1% 2.6%

0.2% 0.1% 1.10% 0.1% 1.0% 0.0% -0.1%
0.2% 0.0% 1.09% 0.1% 1.01% 0.0% -0.1%
98.3% 11.3% 7,672 63.6% 7,973 60.8% 3.9%
0.1% 0.0% 0.30% 0.1% 0.30% 0.1% 0.0%
0.1% 0.0% 0.29% 0.1% 0.27% 0.1% 0.0%
24.5% 7.1% 21,745 24.5% 22,205 14.7% 2.1%
-7.9% -0.7% 73.9% -6.0% 73.6% -6.0% -0.3%
0.2% -0.2% 0.0% 0.44% -0.1% -0.1%

-22.6% 3.9% 5,431 12.2% 5,995 -14.7% 10.4%
590 -166.8% 564 4765.7%
-33.3% 0.0% 0.3% 0.0% 0.2% -30.6% 0.0%
-100.0% 0 -100.0%
-100.0% 0 -100.0%
-100.0% 0 -100.0%
-100.0% 0 - -100.0%
-100.0% 0 -100.0%
-100.0% 0 -100.0%
-100.0% 0 -100.0%
-100.0% 0 -100.0%
-100.0% 0 -100.0%
-100.0% 0 -100.0%
-100.0% 0 -100.0% -100.0%

-100.0% 0 -100.0% 0 -100.0%
0
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
0.0% #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
-100.0% 0 0 -100.0%
-100.0% 0 -100.0% 0 -100.0%
2.3% 3.7% 477,711 -8.7% 485,587 3.3% 1.6%

17.9% 4.3% 932,850 5.8% 947,050 15.6% 1.5%
15.9% 2.5% 1,719,551 10.4% 2,059,515 32.7% 19.8%
3.2% 1.0% 29.8% 3.2% 27.1% -6.0% -9.0%
-0.9% 0.3% 45.00% -0.4% 41.00% -4.4% -4.0%
-0.8% 0.4% 45.1% -2.4% 41.0% -4.4% -4.0%
15.9% 2.8% 3,046,291 17.0% 3,311,132 18.6% 7.4%

37.6% 8.8% 361,732 32.0% 415,942 33.0% 6.0%
13.6% -4.5% 1,067,318.00 12.8% 1,062,332.40 13.2% 2.8%
18.5% 5.8% 2,541,688 19.0% 2,826,793 19.5% 7.2%
14.9% 3.8% 4,003,319 18.5% 4,496,495 18.2% 6.1%
17.1% 2.7% 3,609,006 17.1% 3,889,125 17.7% 6.0%
21.5% 5.7% 383,497 21.2% 416,883 21.2% 5.7%
0.0% 0.0% 0.0% 0.0% 0.0%
0.1% 0.2% 10.9% 0.2% 10.9% 0.4% -0.1%
0.1% -0.1% 0.0% 11.58% 0.2% -0.1%

0.1% -0.1% 11.8% 0.1% 11.6% 0.2% -0.1%
0.3% 0.7% 0.0% 8.70% 0.6% -0.2%

0.3% 0.7% 8.5% 0.4% 8.7% 0.6% -0.2%
0.0% 0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0% 0.0%
0.0% 0.2% 0.0% 6.39% 0.1% -0.1%

0.0% 0.2% 6.37% -0.1% 6.39% 0.1% -0.1%
0.1% -0.3% 4.30% 0.1% 4.20% 0.1% -0.1%
0.1% -0.1% 0.0% 4.8% 0.2% -0.1%
0.4% 0.0% 0.0% 2.0% 0.0% 0.0%

0.3% 0.1% 1.9% 0.1% 2.1% 0.1% 0.2%
0.9% 0.3% 20.0% 1.1% 22.3% 0.7% 2.2%
-1.5% -0.6% 9.9% -0.6% 9.9% -1.0% 0.0%
-0.9% -0.3% 4.7% -0.3% 4.8% -1.3% 0.1%

-2.4% -0.9% 14.6% -0.9% 14.7% -2.3% 0.1%
24.9% 4.6% -100.0% -100.0%
25.7% 7.5% 19.47 23.7% 17.3%
631 132 3,251 189 3,336 560 85

861 89 11,177 434 11,473 983 296
68,200
144 145 146 147 148 149 150
9mFY14 YoY 4Q14 YoY QoQ 12mFY14 YoY
231,999 20.6% 84,870 19.8% 3.7% 316,869 20.4%

68,190 19.1% 22,179 5.8% -4.0% 90,369 15.6%
3,281 16.9% 837 -40.9% -14.8% 4,118 -2.5%
303,470 20.2% 107,886 15.7% 1.9% 411,355 19.0%
168,170 18.2% 58,359 16.1% -2.0% 226,529 17.7%
135,300 22.8% 49,526 15.3% 6.9% 184,826 20.7%
42,139 12.2% 15,212 10.0% -3.4% 57,351 11.6%

11,489 42.1% 2,521 25.2% -24.3% 14,010 38.7%
771 -20.0% 333 -48.7% -34.6% 1,104 -31.6%
4,783 5819.6% 1,948 25.9% 3.0% 6,731 313.5%
0 -100.0%
59,182 26.6% 20,014 11.0% -6.8% 79,196 22.4%
58,411 27.6% 19,681 13.2% -6.2% 78,092 23.8%
194,482 24.0% 69,541 14.0% 2.5% 264,022 21.2%

193,711 24.2% 69,208 14.7% 2.8% 262,918 21.6%
31,177 5.3% 10,612 5.6% 9.1% 41,790 5.4%

57,497 26.3% 21,135 -0.8% 10.0% 78,632 17.7%
88,675 18.0% 31,747 1.2% 9.7% 120,422 13.1%
105,807 29.4% 37,793 27.6% -2.8% 143,601 29.0%

105,036 30.0% 37,460 29.3% -2.4% 142,497 29.9%
10,819 66.5% 2,581 -16.4% 13,400 106.2%

0 -100.0% 0
0 0
1,900 280 2,180
300 300
0 -100.0% 0 -100.0%
13,019 19.7% 2,861 -4.8% -26.4% 15,880 54.6%
92,788 30.9% 34,932 31.2% -0.2% 127,720 26.4%
31,270 38.9% 11,667 51.1% -0.6% 42,937 42.0%
61,519 27.2% 23,265 23.1% 0.0% 84,784 19.7%
0 0 0
61,519 27.2% 23,265 23.1% 0.0% 84,784 19.7%
0 -100.0% 0 -100.0%
0 -100.0% 0 -100.0%
0 -100.0% 0 -100.0%
44,397 28.3% 15,004 16.2% -3.2% 59,401 25.0%

41,065 26.5% 15,789 34.2% 4.4% 56,854 28.5%
7,326 92.8% 4,139 112.7% -5.2% 11,466 99.6%
4,789 0.6% 4,798 0.8% 0.2% 4,798 0.8%

424,124 18.7% 429,988 20.3% 1.4% 429,988 20.3%
428,913 18.4% 434,787 20.1% 1.4% 434,787 20.1%
3,492,152 17.9% 3,673,375 24.0% 5.2% 3,673,375 24.0%
438,485 32.8% 394,390 19.5% -10.1% 394,390 19.5%
321,772 -7.7% 413,444 18.6% 28.5% 413,444 18.6%
4,681,322 16.9% 4,915,995 22.8% 5.0% 4,915,995 22.8%
212,514 45.3% 253,456 73.3% 19.3% 253,456 73.3%

139,393 10.2% 142,380 12.5% 2.1% 142,380 12.5%
### -0.9% 1,209,511 8.4% 9.3% ### 8.4%
### 23.8% ### 26.4% 2.1% ### 26.4%
0 -100.0% -100.0% 0 -100.0%
### 186.9% -100.0% -100.0% 0 -100.0%
29,386 8.7% 29,399 8.8% 0.0% 29,399 8.8%
226,449 19.1% 251,246 32.1% 11.0% 251,246 32.1%
-100.0% 4,915,995 22.8% 5.0% ### 22.8%
6,459,568 20.5% 6,703,378 25.1% 3.8% 6,703,378 25.1%
55.4% -0.9% 54.1% 0.2% -2.1% 55.1% -0.6%

30.4% 0.6% 28.8% -0.8% -2.9% 30.0% 0.3%
30.2% 0.8% 28.4% -0.4% -2.7% 29.7% 0.5%
45.6% -2.3% 45.7% -5.8% 3.0% 45.6% -3.3%
35.2% -4.2% 33.4% 1.4% -0.2% 34.7% -2.5%
45.8% -2.4% 45.9% -6.1% 2.9% 45.8% -3.5%
12.4% -1.1% 7.6% -2.7% -2.5% 11.1% 1.8%
84.97% 0.0% 82.5% 1.6% -2.5% 82.49% 1.6%
107.7% 34.5% 89.0%
0.7% -0.5% 0.9% -1.3% -0.4% 0.8% -0.7%
0.4% -0.2% 0.5% -0.6% -0.3% 0.4% -0.3%
0.0% -53.8% 0.0% -56.9% 0.0% 0.0% -56.9%
-239.0% 0.0% -215.4%
33.7% 1.9% 33.4% 4.4% -0.1% 33.6% 3.7%
30,178 29.3% 29,893 28.0% -0.9% 29,893 28.0%

1.00% 0.0% 1.0% 0.0% 0.0% 1.00% 0.0%
1.01% 0.0% 0.98% 0.0% 0.0% 0.98% 0.0%
7,973 70.0% 8,200 74.9% 2.8% 8,200 74.9%
0.30% 0.1% 0.30% 0.1% 0.0% 0.30% 0.1%
0.27% 0.1% 0.27% 0.1% 0.0% 0.27% 0.1%
22,205 14.7% 21,693 16.3% -2.3% 21,693 16.3%
73.6% -6.3% 72.6% -7.3% -1.0% 72.6% -7.3%
0.0% 0.34% 0.3% -0.1% 0.0%

5,995 23.8% 6,120 26.4% 2.1% 6,120 26.4%
1,154 -232.4% 125 -105.7% -77.9% 1,279 -141.8%
0.2% -33.3% 0.2% 0.0% 0.0%
-
0 0
0 0
0 0
0 - 0
0 0
0 0
0 0
0 0
0 0
0 0
0 -100.0% -100.0% 0 -100.0%

0 -100.0% 0 -100.0% 0 -100.0%
0
#DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
0.0% 0.0%
0.0% 0.0%
0.0% 0.0%
0.0% 0.0%
0.0% 0.0%
0.0% 0.0%
0.0% 0.0%
0.0% 0.0%
0.0% 0.0%
0.0% 0.0%
0.0% 0.0%
0.0% 0.0%
0.0% 0.0%
0 0 0
0 -100.0% 0 -100.0% 0 -100.0%
485,587 -7.2% 614,880 17.5% 26.6% 614,880 17.5%

947,050 7.4% 1,031,330 16.9% 8.9% 1,031,330 16.9%
2,059,515 32.3% 2,027,165 30.2% -1.6% 2,027,165 30.2%
27.1% -6.0% 28.1% -5.7% 3.5%
41.00% -4.4% 44.80% -0.6% 3.8% 44.80% -0.6%
41.0% -6.4% 44.8% -2.6% 3.8% 44.8% -2.6%
3,227,311 21.6% 3,582,763 23.5% 8.2% 3,317,922 22.2%

384,275 38.6% 416,437 28.9% 0.1% 362,228 27.4%
1,111,150.40 14.9% 1,157,837.75 11.5% 9.0% 1,162,823.35 11.2%
2,682,311 22.8% 2,998,709 24.6% 6.1% 2,713,605 24.7%
4,003,319 18.5% 4,798,658 22.4% 6.7% 4,459,657 20.8%
3,793,462 20.4% 4,156,547 20.7% 6.9% 3,876,428 20.3%
395,527 21.0% 431,850 20.5% 3.6% 398,464 20.5%
0.0% 0.0% 0.0% 0.0%
10.7% 0.0% 10.4% -0.4% -0.5% 10.6% -0.1%
0.0% 11.32% -0.5% -0.3% 0.0%

11.5% -0.2% 11.3% -0.5% -0.3% 11.7% -0.4%
0.0% 7.66% -0.4% -1.0% 0.0%

8.2% 0.3% 7.7% -0.4% -1.0% 7.8% 0.3%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
6.21% -0.3% 5.84% -0.4% -0.6% 0.0%

6.21% -0.3% 5.84% -0.4% -0.6% 6.16% -0.3%
4.20% 0.0% 4.40% -0.1% 0.2% 0.0%
0.0% 4.8% -0.2% 0.0% 0.0%
-1.9% 2.0% 0.0% 0.0% 0.0%

2.0% 0.1% 1.9% 0.0% -0.1% 1.9% 0.0%
20.7% 1.0% 21.5% 0.4% -0.8% 21.3% -0.1%
9.9% -0.6% 11.8% 1.3% 1.9% 11.8% 1.3%
4.8% -0.2% 4.3% -0.7% -0.5% 4.3% -0.7%

14.7% -0.8% 16.1% 0.6% 1.4% 16.1% 0.6%
3,450,000 12.7%
19.48 21.8% 0.0%
3,336 274 3,403 341 67 3,403 341

11,473 730 11,256 513 (217) 11,256 513
68,165
18,350
151 152 153 154 155 156 157
1Q15 YoY QoQ 2Q15 YoY QoQ 1H15
87,351 19.3% 2.9% 90,739 18.0% 3.9% 178,089

21,269 -4.1% -4.1% 24,071 5.0% 13.2% 45,340
3,581 197.5% 328.1% 3,667 234.9% 2.4% 7,248
112,201 16.1% 4.0% 118,476 17.4% 5.6% 230,677
60,485 15.3% 3.6% 63,366 12.8% 4.8% 123,851
51,716 17.0% 4.4% 55,110 23.1% 6.6% 106,826
14,065 9.5% -7.5% 15,365 13.4% 9.2% 29,430

2,242 -28.7% -11.1% 2,217 -55.8% -1.1% 4,459
250 -87.5% -24.9% 951 -154.9% 280.4% 1,201
1,950 53.2% 0.1% 1,938 19.7% -0.6% 3,888
360
0
18,506 -3.9% -7.5% 20,471 11.0% 10.6% 38,978
18,256 5.8% -7.2% 19,520 -3.3% 6.9% 37,777
70,222 10.7% 1.0% 75,581 19.6% 7.6% 145,804

69,972 13.9% 1.1% 74,630 14.9% 6.7% 144,603
11,259 1.5% 6.1% 11,669 12.7% 3.6% 22,929

20,525 6.4% -2.9% 23,310 22.8% 13.6% 43,834
31,784 4.6% 0.1% 34,979 19.2% 10.1% 66,763
38,438 16.3% 1.7% 40,602 19.9% 5.6% 79,041

38,188 22.9% 1.9% 39,651 11.4% 3.8% 77,840
4,269 -4.5% 65.4% 3,844 17.9% -10.0% 8,113

630 519 -17.6% 1,149
0
0
-700 (700)
629 196 -68.8% 825
4,828 -8.4% 68.7% 4,559 18.1% -5.6% 9,387
33,610 20.9% -3.8% 36,043 20.1% 7.2% 69,654
11,280 20.6% -3.3% 12,228 20.1% 8.4% 23,508
22,330 21.1% -4.0% 23,815 20.1% 6.6% 46,146
0 0 0
22,330 21.1% -4.0% 23,815 20.1% 6.6% 46,146
0
0
0
17,897.80 48.5% 19.3% 18,886.00 12.1% 5.5% 36,784

15,163.70 24.1% -4.0% 14,584.50 6.3% -3.8% 29,748
548.40 -84.4% -86.8% 2,572.50 -555.6% 369.1% 3,121
4,815 0.8% 0.4% 4,829 1.0% 0.3% 4,829

455,663 20.1% 6.0% 482,319 20.6% 5.9% 482,319
460,478 19.9% 5.9% 487,148 20.3% 5.8% 487,148
3,720,740 22.7% 1.3% 3,906,818 24.8% 5.0% 3,906,818
386,182 -1.3% -2.1% 385,404 -2.0% -0.2% 385,404
346,197 -2.4% -16.3% 320,241 -16.5% -7.5% 320,241
4,913,597 18.0% 0.0% 5,099,611 18.3% 3.8% 5,099,611
220,694 16.3% -12.9% 203,727 2.1% -7.7% 203,727

80,246 24.5% -43.6% 112,785 39.5% 40.5% 112,785
1,088,399 3.8% -10.0% 1,154,380 13.3% 6.1% 1,154,380
3,121,087 20.7% 3.0% 3,272,728 21.8% 4.9% ###
1,894,460 35.7% 1,581,260 -16.5% 1,581,260
1,226,627 3.1% 1,691,468 -37.0% 37.9% 1,691,468
29,174 -0.8% -0.8% 29,051 -1.5% -0.4% 29,051
373,997 52.3% 48.9% 326,940 10.0% -12.6% 326,940
4,913,597 18.0% 0.0% 5,099,611 18.3% 3.8%
6,841,827 21.8% 2.1% 7,179,545 23.4% 4.9% 7,179,545
53.9% -0.4% -0.2% 53.5% -2.2% -0.4% 53.7%

26.4% -4.0% -2.4% 27.1% -2.1% 0.7% 26.7%
26.1% -2.0% -2.3% 26.2% -4.9% 0.1% 26.1%
45.3% -2.6% -0.4% 46.3% -0.1% 1.0% 45.8%
35.4% -1.1% 2.0% 33.4% -1.9% -2.1% 34.3%
45.4% -4.0% -0.4% 46.9% 1.7% 1.4% 46.2%
12.6% -4.3% 5.0% 11.5% 0.7% -1.1% 12.1%
83.9% -1.4% 1.4% 83.8% -2.0% -0.1% 83.8%
192.3% 81.5% 104.0%
0.7% -5.4% -0.2% 2.3% 7.5% 1.7% 1.5%
0.4% -2.9% -0.1% 1.3% 3.9% 0.9% 0.8%
60.7% 6.7% 60.7% 48.3% 48.3% -12.4% 48.3%
2079.9% -206.5% 651.5%
33.6% -0.1% 0.2% 33.9% 0.0% 0.4% 33.7%
33,562 23.4% 12.3% 33,617 14.3% 0.2% 33,617

1.07% 0.1% 0.1% 1.0% -0.1% 0.0% 1.02%
1.07% 0.0% 0.1% 1.02% -0.1% 0.0% 1.02%
10,074 46.2% 22.9% 9,173 19.6% -8.9% 9,173
0.50% 0.2% 0.2% 0.28% 0.0% -0.2% 0.28%
0.32% 0.1% 0.1% 0.28% 0.0% 0.0% 0.28%
23,488 15.7% 8.3% 24,443 12.4% 4.1% 24,443
70.0% -4.7% -2.6% 72.7% -1.2% 2.7% 72.7%
0.6% -0.2% 0.2% 0.48% 0.0% -0.1%

6,309 20.7% 3.1% 3,306 -39.1% -47.6% 3,306
-100.0% -2,813
0.2% 0.0% 0.0% 0.1% -50.0% -50.0% 0.3%
405,150 440,380 8.7% 440,380
232,960 244,760 5.1% 244,760
41,330 44,990 8.9% 44,990
679,440 730,130 7.5% 730,130
216,480 233,360 7.8% 233,360
427,940 465,370 8.7% 465,370
9,930 10,680 7.6% 10,680
132,720 140,050 5.5% 140,050
195,740 195,580 -0.1% 195,580
38,560 38,650 0.2% 38,650
110,920 129,230
82,730 85,390 3.2% 85,390
1,894,460 2,028,440 7.1% 2,028,440
35.9% -100.0% 0
21.4% 22% 0.32% 22%

12.3% 12.1% -0.23% 12%
2.2% 2% 0.04% 2%
35.9% 36% 0.13% 36%
11.4% 12% 0.08% 12%
22.6% 23% 0.35% 23%
0.5% 1% 0.00% 1%
7.0% 7% -0.10% 7%
10.3% 10% -0.69% 10%
2.0% 2% -0.13% 2%
5.9% 6% 0.52% 6%
4.4% 4% -0.16% 4%
100.0% 100% 0.00% 100%
13% 13%
7% 7%
1% 1%
22% 22%
7% 7%
14% 14%
0% 0%
4% 4%
6% 6%
1% 1%
4% 4%
3% 3%
61% 62%
347,940 377,780 8.6% 377,780

133,150 138,570 4.1% 138,570
34,330 36,240 5.6% 36,240
515,420 552,590 7.2% 552,590
214,610 231,370 7.8% 231,370
222,620 219,630 -1.3% 219,630
9,740 10,500 7.8% 10,500
132,720 140,050 5.5% 140,050
195,740 195,580 -0.1% 195,580
38,510 38,600 0.2% 38,600
110,170 128,960 17.1% 128,960
62,940 63,980 1.7% 63,980
1,502,470 1,581,260 5.2% 1,581,260
23.2% 23.9% 0.73% 23.9%

8.9% 8.8% -0.10% 8.8%
2.3% 2.3% 0.01% 2.3%
34.3% 34.9% 0.64% 34.9%
14.3% 14.6% 0.35% 14.6%
14.8% 13.9% -0.93% 13.9%
0.6% 0.7% 0.02% 0.7%
8.8% 8.9% 0.02% 8.9%
13.0% 12.4% -0.66% 12.4%
2.6% 2.4% -0.12% 2.4%
7.3% 8.2% 0.82% 8.2%
4.2% 4.0% -0.14% 4.0%
100.0% 100.0% 0.00% 100.0%
11.1% 11.5% 11.5%

4.3% 4.2% 4.2%
1.1% 1.1% 1.1%
16.5% 16.9% 16.9%
6.9% 7.1% 7.1%
7.1% 6.7% 6.7%
0.3% 0.3% 0.3%
4.3% 4.3% 4.3%
6.3% 6.0% 6.0%
1.2% 1.2% 1.2%
3.5% 3.9% 3.9%
2.0% 2.0% 2.0%
48.1% 48.3% 48.3%
679,440 730,130 7.5% 730,130

1,215,020 1,298,310 6.9% 1,298,310
543,480 18.0% -11.6% 578,030 21.0% 6.4% 578,030

1,056,390 18.1% 2.4% 1,108,100 18.8% 4.9% 1,108,100
2,120,870 26.4% 4.6% 2,220,688 29.1% 4.7% 2,220,688
28.4% -3.8% 1.1% 28.4% -4.8% -0.1% 28.4%
43.00% -1.7% -1.8% 43.20% -1.8% 0.2% 43.20%
43.0% -1.7% -1.8% 43.2% -1.9% 0.2% 43.2%
3,697,057 23.3% 3.2% 3,813,779 23.8% 3.2% 3,790,096

390,286 8.2% -6.3% 385,793 -1.7% -1.2% 389,897
1,148,954.75 6.2% -0.8% 1,121,389.35 8.5% -2.4% 1,181,945.30
3,075,545 23.4% 2.6% 3,196,908 21.3% 3.9% 3,151,365
4,914,796 20.4% 2.4% 5,006,604 18.2% 1.9% 4,915,995
4,224,500 18.2% 1.6% 4,318,297 17.7% 2.2% 4,333,311
447,632 20.0% 3.7% 473,813 20.1% 5.8% 460,967
0.0% 0.0% 0.0% 0.0%
10.6% -0.2% 0.2% 11.0% 0.0% 0.4% 10.6%
11.36% -0.4% 0.0% 11.35% -0.3% 0.0%

11.36% -0.4% 0.0% 11.4% -0.3% 0.0% 11.3%
7.40% -0.8% -0.3% 8.59% -0.3% 1.2%

7.40% -0.8% -0.3% 8.6% -0.3% 1.2% 7.7%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
5.92% -0.3% 0.1% 6.04% -0.4% 0.1%

5.92% -0.3% 0.1% 6.04% -0.4% 0.1% 5.93%
4.40% -0.2% 0.0% 4.50% 0.2% 0.1% 4.50%
4.9% 0.0% 0.1% 5.1% 0.2% 0.2%
2.0% 0.0% 0.0% 2.0% 0.0% 0.0%

1.8% 0.0% -0.1% 1.9% 0.0% 0.1% 1.9%
20.0% 0.2% -1.6% 20.1% 0.0% 0.2% 20.0%
11.1% 0.6% -0.7% 11.8% 1.9% 0.7% 11.8%
4.0% -1.0% -0.3% 3.9% -0.8% -0.1% 3.9%

15.1% -0.4% -1.0% 15.7% 1.1% 0.6% 15.7%
-100.0% -100.0% -100.0%
18.21 18.0% -6.5% 19.42 17.0% 6.6%
3,488 369 85 3,600 349 112 3,600

11,426 338 170 11,515 338 89 11,515
70,400 75,339
75,000
31007.6 31007.6
12717.1 23019.5
8777.2 18727.8
34947.5 35299.3
31,007.60 34,948
12,717 10,302
8,777 9,951
34,948 35,299
158 159 160 161 162 163 164
YoY 3Q15 YoY QoQ 9mFY15 YoY 4Q15
18.6% 95,432 16.6% 5.2% 273,521 17.9% 98,287

0.5% 24,836 7.5% 3.2% 70,175 2.9% 28,410
215.3% 3,691 275.8% 0.6% 10,939 233.4% 3,367
16.8% 123,958 17.0% 4.6% 354,635 16.9% 130,064
14.0% 66,959 12.4% 5.7% 190,810 13.5% 69,932
20.1% 56,999 23.0% 3.4% 163,825 21.1% 60,132
11.5% 18,065 14.7% 17.6% 47,495 12.7% 18,348

-45.3% 2,534 -23.9% 14.3% 6,993 -39.1% 3,287
358.4% 2,655 421.6% 179.2% 3,856 400.1% 1,961
34.4% 2,095 10.8% 8.1% 5,983 25.1% 2,043
0 0
3.4% 25,349 18.0% 23.8% 64,327 8.7% 25,638
0.9% 22,694 8.2% 16.3% 60,471 3.5% 23,677
15.1% 82,348 21.4% 9.0% 228,152 17.3% 85,769

14.4% 79,693 18.4% 6.8% 224,296 15.8% 83,808
6.9% 11,325 16.4% -2.9% 34,254 9.9% 13,256

14.5% 23,238 20.9% -0.3% 67,072 16.7% 25,294
11.8% 34,563 19.4% -1.2% 101,326 14.3% 38,550
18.1% 47,786 22.9% 17.7% 126,826 19.9% 47,220

16.8% 45,131 17.6% 13.8% 122,970 17.1% 45,259
4.9% 4,876 57.9% 26.8% 12,989 20.1% 4,903

620 19.5% 1,769 1,180
0
0
(700)
108 -44.7% 933 (317)
2.8% 5,604 44.1% 22.9% 14,991 15.1% 5,767
20.5% 42,181 20.5% 17.0% 111,835 20.5% 41,453
20.3% 14,236 21.3% 16.4% 37,744 20.7% 13,384
20.6% 27,945 20.2% 17.3% 74,091 20.4% 28,069
0 0 0
20.6% 27,945 20.2% 17.3% 74,091 20.4% 28,069
0
0
0
27.3% 19,501.20 25.9% 3.3% 56,285 26.8% 18,759

14.7% 16,496.30 9.0% 13.1% 46,245 12.6% 16,044
5.5% 6,183.80 41.6% 140.4% 9,305 27.0% 6,650
0.6% 4,835 1.0% 0.1% 4,835 0.8% 5,013

12.2% 511,893 20.7% 6.1% 511,893 19.0% 615,081
12.0% 516,728 20.5% 6.1% 516,728 18.8% 620,094
6.4% 4,141,283 18.6% 6.0% 4,141,283 12.7% 4,507,957
-2.3% 396,585 -9.6% 2.9% 396,585 0.6% 452,136
-22.5% 293,956 -8.6% -8.2% 293,956 -28.9% 324,844
3.7% 5,348,552 14.3% 4.9% 5,348,552 8.8% 5,905,031
-19.6% ### -1.3% 3.0% 209,812 -17.2% 275,105

-20.8% ### -13.5% 6.9% 120,576 -15.3% 88,210
-4.6% 1,196,387 8.2% 3.6% 1,196,387 -1.1% 1,516,418
8.0% 3,470,880 17.0% 6.1% 3,470,880 14.6% ###
1,648,340 4.2% 1,648,340 1,728,420
1,822,540 -38.6% 7.7% 1,822,540 1,926,530
-1.2% 29,353 -0.1% 1.0% 29,353 -0.2% 31,217
30.1% 321,544 42.0% -1.7% 321,544 28.0% 339,131
-100.0% 5,348,552 14.3% 4.9% -100.0% 5,905,031
7.1% 7,612,162 17.8% 6.0% 7,612,162 13.6% 8,162,907
-1.3% 54.0% -2.2% 0.5% 53.8% -1.6% 53.8%

-3.0% 30.8% -0.9% 3.7% 28.2% -2.2% 29.9%
-3.5% 28.5% -2.7% 2.3% 27.0% -3.2% 28.3%
-1.4% 42.0% -0.7% -4.3% 44.4% -1.2% 44.9%
-1.6% 32.8% -0.8% -0.6% 33.8% -1.4% 34.4%
-1.1% 43.4% 0.4% -3.5% 45.2% -0.6% 46.0%
-1.6% 12.4% 2.3% 0.9% 12.2% -0.2% 12.7%
-2.0% 83.8% -1.2% 0.0% 83.81% -1.2% 81.1%
84.5% 94.2% 50.2%
1.1% 5.6% 4.2% 3.2% 3.0% 2.3% 4.2%
0.6% 3.3% 2.6% 2.1% 1.7% 1.3% 2.3%
48.3% 47.5% 47.5% -0.8% 47.5% 47.5% 47.3%
33.9% 373.9% 43.5%
-0.1% 33.8% 0.2% -0.2% 33.7% 0.0% 32.3%
12.5% 34,679 14.9% 3.2% 34,679 16.0% 34,384

0.0% 1.0% 0.0% 0.0% 0.99% 0.0% 0.9%
0.0% 0.99% 0.0% 0.0% 0.99% 0.0% 0.93%
11.9% 9,037 13.3% -1.5% 9,037 10.2% 8,963
0.0% 0.26% 0.0% 0.0% 0.26% 0.0% 0.25%
0.0% 0.26% 0.0% 0.0% 0.26% 0.0% 0.25%
12.4% 25,643 15.5% 4.9% 25,643 15.5% 25,421
0.1% 73.9% 0.4% 1.2% 73.9% 1.4% 73.9%
0.0% 0.58% 0.1% 0.1% 0.0% 0.55%

-46.0% 3,506 -41.5% 6.0% 3,506 -42.7% 3,689
-576.8% 199 -64.7% -2,614 -326.5% 184
0.0% 0.1% -50.0% 0.0% 0.3% 50.0% 0.1%
456,140 3.6% 456,140 467,600
249,450 1.9% 249,450 249,480
47,520 5.6% 47,520 50,510
753,110 3.1% 753,110 767,590
249,880 7.1% 249,880 260,100
487,530 4.8% 487,530 498,940
12,080 13.1% 12,080 13,700
153,640 9.7% 153,640 161,540
199,770 2.1% 199,770 241,250
39,070 1.1% 39,070 40,660
137,000 137,000 162,690
96,480 13.0% 96,480 110,470
2,128,560 4.9% 2,128,560 2,256,940
0
21% -0.3% 21% 20.7%

11.7% -0.3% 12% 11.1%
2% 0.0% 2% 2.2%
35% -0.6% 35% 34.0%
12% 0.2% 12% 11.5%
23% 0.0% 23% 22.1%
1% 0.0% 1% 0.6%
7% 0.3% 7% 7.2%
9% -0.3% 9% 10.7%
2% -0.1% 2% 1.8%
6% 0.1% 6% 7.2%
5% 0.3% 5% 4.9%
100% 0.0% 100% 100.0%
13% 13%
7% 7%
1% 1%
22% 21%
7% 7%
14% 14%
0% 0%
4% 4%
6% 7%
1% 1%
4% 4%
3% 3%
61% 62%
400,140 5.9% 400,140 405,280

132,120 -4.7% 132,120 127,890
39,590 9.2% 39,590 41,570
571,850 3.5% 571,850 574,740
248,040 7.2% 248,040 258,200
213,400 -2.8% 213,400 188,260
11,940 13.7% 11,940 13,530
153,640 9.7% 153,640 161,540
199,770 2.1% 199,770 241,250
39,010 1.1% 39,010 40,570
136,250 5.7% 136,250 161,820
74,440 16.3% 74,440 88,510
1,648,340 4.2% 1,648,340 1,728,420
24.3% 0.38% 24.3% 23.4%

8.0% -0.75% 8.0% 7.4%
2.4% 0.11% 2.4% 2.4%
34.7% -0.25% 34.7% 33.3%
15.0% 0.42% 15.0% 14.9%
12.9% -0.94% 12.9% 10.9%
0.7% 0.06% 0.7% 0.8%
9.3% 0.46% 9.3% 9.3%
12.1% -0.25% 12.1% 14.0%
2.4% -0.07% 2.4% 2.3%
8.3% 8.3% 9.4%
4.5% 0.47% 4.5% 5.1%
100.0% 0.00% 100.0% 100.0%
11.5% 11.5% 11.1%

3.8% 3.8% 3.5%
1.1% 1.1% 1.1%
16.5% 16.5% 15.7%
7.1% 7.1% 7.1%
6.1% 6.1% 5.2%
0.3% 0.3% 0.4%
4.4% 4.4% 4.4%
5.8% 5.8% 6.6%
1.1% 1.1% 1.1%
3.9% 3.9% 4.4%
2.1% 2.1% 2.4%
47.5% 47.5% 47.3%
753,110 3.1% 753,110 767,590

1,375,450 5.9% 1,375,450 1,489,350
-6.0% 571,050 17.6% -1.2% 571,050 -7.1% 735,650

7.4% 1,122,840 18.6% 1.3% 1,122,840 8.9% 1,249,270
9.5% 2,447,393 18.8% 10.2% 2,447,393 20.7% 2,523,037
-4.8% 27.1% 0.0% -4.4% 27.1% 0.0% 27.7%
-1.6% 45.40% 4.4% 2.2% 45.40% 0.6% 45.40%
-1.7% 40.9% -0.1% -2.3% 40.9% -3.9% 44.0%
2,985,327.90
101%
24.4% 4,024,050 21.5% 5.5% 3,907,329 21.1% 4,324,620

7.8% 390,995 -6.0% 1.3% 395,488 2.9% 424,360
10.7% 1,175,383.55 10.6% 4.8% 1,202,948.95 8.3% 1,356,402.45
24.0% 3,371,804 19.3% 5.5% 3,250,441 21.2% 3,562,915
22.8% 5,224,081 16.2% 4.3% 4,915,995 22.8% 5,626,791
20.1% 4,547,187 16.9% 5.3% 4,453,390 17.4% 4,919,318
20.2% 501,938 20.4% 5.9% 475,757 20.3% 568,411
0.0% 0.0% 0.0% 0.0%
-0.3% 10.9% 0.0% -0.1% 10.6% 0.0% 10.6%
0.0% 11.32% -0.3% 0.0% 0.0% 11.03%

-0.5% 11.3% -0.3% 0.0% 11.2% -0.3% 11.0%
0.0% 8.45% -0.2% -0.1% 0.0% 8.38%

-0.8% 8.5% -0.2% -0.1% 7.8% -0.4% 8.4%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
0.0% 6.07% -0.3% 0.0% 5.91% -0.3% 5.89%

-0.4% 6.07% -0.3% 0.0% 5.91% -0.3% 5.89%
0.2% 4.40% 0.2% -0.1% 4.20% 0.0% 4.40%
0.0% 5.0% 0.2% -0.1% 0.0% 4.9%
0.0% 2.0% 0.0% 0.0% 0.0% 2.0%

0.0% 2.1% 0.1% 0.2% 2.0% 0.0% 2.0%
0.1% 22.3% 0.0% 2.2% 20.8% 0.0% 19.8%
0.0% 12.0% 2.1% 0.2% 12.0% 0.2% 13.7%
-0.4% 3.7% -1.1% -0.2% 3.7% -0.6% 3.1%

-0.4% 15.7% 1.0% 0.0% 15.7% -0.4% 16.8%
22.79 17.0% 17.3% 22.89
197 3,659 323 59 3,659 256 4,014

259 11,633 160 118 11,633 377 11,766
76,253 76,286
2,100
16,000
50,000
15,230
31007.6 31007.6
34661.6 51856.4
29182.7 46844.7
36486.5 36019.3
35,299 36,487
11,642 17,195
10,455 17,662
36,487 36,019
165 166 167 168 169 170 171
YoY QoQ 12mFY15 YoY 1Q16 YoY QoQ
15.8% 3.0% 371,808 17.3% 104,471 19.6% 6.3%

28.1% 14.4% 98,585 9.1% 32,813 54.3% 15.5%
302.5% -8.8% 14,306 247.4% 3,126 -12.7% -7.2%
20.6% 4.9% 484,699 17.8% 140,411 25.1% 8.0%
19.8% 4.4% 260,742 15.1% 76,523 26.5% 9.4%
21.4% 5.5% 223,957 21.2% 63,888 23.5% 6.2%
20.6% 1.6% 65,843 14.8% 17,130 21.8% -6.6%

30.4% 29.7% 10,280 -26.6% 3,480 55.2% 5.9%
488.9% -26.1% 5,817 426.9% 1,259 403.6% -35.8%
4.9% -2.5% 8,026 19.2% 2,750 41.0% 34.6%
780 116.7%
0
28.1% 1.1% 89,966 13.6% 24,619 33.0% -4.0%
20.3% 4.3% 84,149 7.8% 23,360 28.0% -1.3%
23.3% 4.2% 313,923 18.9% 88,507 26.0% 3.2%

21.1% 5.2% 308,106 17.2% 87,248 24.7% 4.1%
24.9% 17.0% 47,510 13.7% 13,590 20.7% 2.5%

19.7% 8.8% 92,366 17.5% 26,418 28.7% 4.4%
21.4% 11.5% 139,876 16.2% 40,008 25.9% 3.8%
24.9% -1.2% 174,047 21.2% 48,499 26.2% 2.7%

20.8% 0.3% 168,230 18.1% 47,240 23.7% 4.4%
89.9% 0.6% 17,892 33.5% 5,575 30.6% 13.7%

90.3% 2,949 960 52.4% -18.6%
0
0
(700) 650
-392.2% 617 95 -84.9% -130.0%
101.5% 2.9% 20,758 30.7% 7,280 50.8% 26.2%
18.7% -1.7% 153,290 20.0% 41,219 22.6% -0.6%
14.7% -6.0% 51,128 19.1% 14,262 26.4% 6.6%
20.6% 0.4% 102,162 20.5% 26,957 20.7% -4.0%
0 0
20.6% 0.4% 102,162 20.5% 26,957 20.7% -4.0%
0
0
0
25.0% -3.8% 75,044 26.3% 21,429.30 19.7% 14.2%

1.6% -2.7% 62,288 9.6% 15,804.90 4.2% -1.5%
60.7% 7.5% 15,955 39.2% 3,984.80 626.6% -40.1%
4.5% 3.7% 5,013 4.5% 5,023 4.3% 0.2%

43.0% 20.2% 615,081 43.0% 644,645 41.5% 4.8%
42.6% 20.0% 620,094 42.6% 649,668 41.1% 4.8%
22.7% 8.9% 4,507,957 22.7% 4,841,744 30.1% 7.4%
14.6% 14.0% 452,136 14.6% 469,430 21.6% 3.8%
-21.4% 10.5% 324,844 -21.4% 332,382 -4.0% 2.3%
20.1% 10.4% 5,905,031 20.1% 6,293,223 28.1% 6.6%
8.5% 31.1% 275,105 8.5% 243,728 10.4% -11.4%

-38.0% -26.8% 88,210 -38.0% 142,988 78.2% 62.1%
25.4% 26.7% ### 25.4% 1,723,937 58.4% 13.7%
20.6% 5.3% ### 20.6% 3,820,104 22.4% 4.5%
4.9% ### 1,872,650 -1.2% 8.3%
5.7% ### 1,947,454 58.8% 1.1%
6.2% 6.4% 31,217 6.2% 31,734 8.8% 1.7%
35.0% 5.5% 339,131 35.0% 330,732 -11.6% -2.5%
20.1% 10.4% ### 20.1% 6,293,223 28.1% 6.6%
21.8% 7.2% 8,162,907 21.8% 8,661,848 26.6% 6.1%
-0.3% -0.2% 53.8% -1.3% 54.5% 0.6% 0.7%

1.1% -0.9% 28.7% -1.3% 27.8% 1.5% -2.1%
-0.2% -0.2% 27.3% -2.4% 26.8% 0.7% -1.5%
-0.7% 3.0% 44.6% -1.1% 45.2% -0.1% 0.3%
1.0% 1.6% 34.0% -0.7% 34.0% -1.5% -0.4%
0.1% 2.6% 45.4% -0.4% 45.9% 0.4% -0.1%
5.1% 0.3% 12.3% 1.2% 15.4% 2.8% 2.7%
-1.4% -2.7% 81.08% -1.4% 78.9% -5.0% -2.2%
74.9% 49.5%
3.3% -1.4% 3.3% 2.6% 2.6% 1.9% -1.6%
1.9% -1.0% 1.9% 1.5% 1.4% 1.1% -0.9%
47.3% -0.2% 47.3% 47.3% 49.0% -11.7% 1.7%
276.6% 87.3%
-1.1% -1.5% 33.4% -0.3% 34.6% 1.0% 2.3%
0.8%
15.0% -0.9% 34,384 15.0% 36,522 8.8% 6.2%

-0.1% -0.1% 0.93% -0.1% 0.95% -0.1% 0.0%
0.0% -0.1% 0.93% 0.0% 0.95% -0.1% 0.0%
9.3% -0.8% 8,963 9.3% 10,277 2.0% 14.7%
-0.1% 0.0% 0.25% -0.1% 0.27% -0.2% 0.0%
0.0% 0.0% 0.25% 0.0% 0.27% -0.1% 0.0%
17.2% -0.9% 25,421 17.2% 26,245 11.7% 3.2%
1.4% 0.0% 73.9% 1.4% 71.9% 1.9% -2.1%
0.2% 0.0% 0.0% 0.6% 0.0% 0.0%

-39.7% 5.2% 3,689 -39.7% 3,857 -38.9% 4.5%
47.5% -7.8% -2,430 -290.1% -100.0%
-50.0% 0.0% 0.1% -50.0% 0.0%
-
2.5% 467,600 501,000 23.7% 7.1%

0.0% 249,480 264,900 13.7% 6.2%
6.3% 50,510 52,810 27.8% 4.6%
1.9% 767,590 818,710 20.5% 6.7%
4.1% 260,100 290,580 34.2% 11.7%
2.3% 498,940 509,550 19.1% 2.1%
13.4% 13,700 13,390 34.8% -2.3%
5.1% 161,540 168,650 27.1% 4.4%
20.8% 241,250 268,880 37.4% 11.5%
4.1% 40,660 42,430 10.0% 4.4%
18.8% 162,690 168,980 52.3% 3.9%
14.5% 110,470 107,430 29.9% -2.8%
6.0% 2,256,940 2,388,600 26.1% 5.8%
34.3% -4.4%
-0.7% 20.7% 21.0% -0.4% 0.26%

-0.7% 11.1% 11.1% -1.2% 0.04%
0.0% 2.2% 2.2% 0.0% -0.03%
-1.4% 34.0% 34.3% -1.6% 0.27%
-0.2% 11.5% 12.2% 0.7% 0.64%
-0.8% 22.1% 21.3% -1.3% -0.77%
0.0% 0.6% 0.6% 0.0% -0.05%
-0.1% 7.2% 7.1% 0.1% -0.10%
1.3% 10.7% 11.3% 0.9% 0.57%
0.0% 1.8% 1.8% -0.3% -0.03%
0.8% 7.2% 7.1% 1.2% -0.13%
0.4% 4.9% 4.5% 0.1% -0.40%
0.0% 100.0% 100.0% 0.0% 0.00%
13%
7%
1%
21%
8%
13%
0%
4%
7%
1%
4%
3%
63%
1.3% 405,280 434,580 24.9% 7.2%

-3.2% 127,890 133,890 0.6% 4.7%
5.0% 41,570 43,930 28.0% 5.7%
0.5% 574,740 612,400 18.8% 6.6%
4.1% 258,200 288,300 34.3% 11.7%
-11.8% 188,260 240,160 7.9% 27.6%
13.3% 13,530 9,800 0.6% -27.6%
5.1% 161,540 168,650 27.1% 4.4%
20.8% 241,250 268,880 37.4% 11.5%
4.0% 40,570 42,240 9.7% 4.1%
18.8% 161,820 166,570 51.2% 2.9%
18.9% 88,510 75,650 20.2% -14.5%
4.9% 1,728,420 1,872,650 24.6% 8.3%
-0.83% 23.4% 23.2% 0.0% -0.24%

-0.62% 7.4% 7.1% -1.7% -0.25%
0.00% 2.4% 2.3% 0.1% -0.06%
-1.44% 33.3% 32.7% -1.6% -0.55%
-0.11% 14.9% 15.4% 1.1% 0.46%
-2.05% 10.9% 12.8% -2.0% 1.93%
0.06% 0.8% 0.5% -0.1% -0.26%
0.03% 9.3% 9.0% 0.2% -0.34%
1.84% 14.0% 14.4% 1.3% 0.40%
-0.02% 2.3% 2.3% -0.3% -0.09%
9.4% 8.9%
0.60% 5.1% 4.0% -0.1% -1.08%
0.00% 100.0% 100.0% 0.0% 0.00%
11.1% 11.4%
3.5% 3.5%
1.1% 1.1%
15.7% 16.0%
7.1% 7.5%
5.2% 6.3%
0.4% 0.3%
4.4% 4.4%
6.6% 7.0%
1.1% 1.1%
4.4% 4.4%
2.4% 2.0%
47.3% 49.0%
1.9% 767,590 818,710 20.5% 6.7%

8.3% 1,489,350 1,569,890 29.2% 5.4%
19.6% 28.8% 735,650 19.6% 669,170 23.1% -9.0%

21.1% 11.3% 1,249,270 21.1% 1,249,470 18.3% 0.0%
24.5% 3.1% 2,523,037 24.5% 2,923,104 37.8% 15.9%
-1.3% 2.2% 25.8% -9.1% -6.9%
0.6% 0.0% 45.40% 0.6% 39.60% -3.4% -5.8%
-0.8% 3.1% 44.0% -0.8% 39.6% -3.4% -4.4%
3,033,712.60
85% -15.8%
20.7% 7.5% 4,090,666 23.3% 4,674,850 26.4% 8.1%

1.9% 8.5% 423,263 16.8% 460,783 18.1% 8.6%
17.1% 15.4% 1,362,964.20 17.2% 1,620,177.35 41.0% 19.4%
18.8% 5.7% 3,342,477 23.2% 3,737,527 21.5% 4.9%
17.3% 7.7% 5,410,513 21.3% 6,099,127 24.1% 8.4%
18.4% 8.2% 4,705,441 21.4% 5,357,705 26.8% 8.9%
31.6% 13.2% 527,440 32.4% 634,881 41.8% 11.7%
0.0% 0.0% 0.0% 0.0% 0.0%
0.2% -0.3% 10.3% -0.3% 10.5% -0.1% -0.1%
-0.3% -0.3% 0.0% 11.18% -0.2% 0.1%

-0.3% -0.3% 11.1% -0.6% 11.2% -0.2% 0.1%
0.7% -0.1% 0.0% 8.10% 0.7% -0.3%

0.7% -0.1% 7.2% -0.5% 8.1% 0.7% -0.3%
0.0% 0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0% 0.0%
0.1% -0.2% 0.0% 5.96% 0.0% 0.1%

0.1% -0.2% 5.78% -0.4% 5.96% 0.0% 0.1%
0.0% 0.0% 0.0% 4.30% -0.1% -0.1%
0.1% -0.1% 0.0% 4.8% -0.1% -0.1%
0.0% 0.0% 0.0% 2.0% 0.0% 0.0%

0.1% -0.1% 1.9% 0.0% 1.8% 0.0% -0.2%
-1.8% -2.5% 19.4% -1.9% 17.0% -3.0% -2.8%
1.9% 1.7% 13.7% 1.9% 12.8% 1.7% -0.9%
-1.2% -0.6% 3.1% -1.2% 2.9% -1.1% -0.2%

0.7% 1.1% 16.8% 0.7% 15.7% 0.6% -1.1%
-100.0%
10.70
17.5% 0.4% 21.42 17.6% -6.4%
611 355 4,014 611 4,101 613 87

510 133 11,766 510 11,962 536 196
79,400
0
13,000
150,000
39,000
1,330,000
4,690,000
36019.3
13870.7
11367
38,523.00
36,019.30
13,871
11,367
38,523
172 173 174 175 176 177 178
2Q16 YoY QoQ 1H16 YoY 3Q16 YoY
109,483 20.7% 4.8% 213,955 20.1% 114,835 20.3%

33,977 41.2% 3.5% 66,790 47.3% 36,514 47.0%
4,265 16.3% 36.4% 7,391 2.0% 2,762 -25.2%
147,725 24.7% 5.2% 288,136 24.9% 154,111 24.3%
80,916 27.7% 5.7% 157,439 27.1% 83,426 24.6%
66,809 21.2% 4.6% 130,697 22.3% 70,685 24.0%
18,689 21.6% 9.1% 35,819 21.7% 20,048 11.0%

3,196 44.2% -8.2% 6,676 49.7% 2,774 9.5%
1,624 70.8% 29.0% 2,883 140.0% 3,279 23.5%
2,009 3.7% -26.9% 4,759 22.4% 2,621 25.1%
0
25,518 24.7% 3.6% 50,137 28.6% 28,722 13.3%
23,894 22.4% 2.3% 47,254 25.1% 25,443 12.1%
92,327 22.2% 4.3% 180,834 24.0% 99,407 20.7%

90,703 21.5% 4.0% 177,951 23.1% 96,128 20.6%
14,140 21.2% 4.0% 27,730 20.9% 14,313 26.4%

27,758 19.1% 5.1% 54,176 23.6% 27,736 19.4%
41,898 19.8% 4.7% 81,906 22.7% 42,048 21.7%
50,429 24.2% 4.0% 98,928 25.2% 57,359 20.0%

48,805 23.1% 3.3% 96,045 23.4% 54,080 19.8%
4,844 26.0% -13.1% 10,419 28.4% 6,015 23.4%

1,330 156.3% 38.5% 2,290 99.3% 499 -19.5%
0
0
500 1,150
139 -29.1% 46.4% 234 -71.7% 25 -77.1%
6,813 49.4% -6.4% 14,093 50.1% 6,539 16.7%
43,616 21.0% 5.8% 84,835 21.8% 50,820 20.5%
14,922 22.0% 4.6% 29,183 24.1% 17,251 21.2%
28,695 20.5% 6.4% 55,652 20.6% 33,568 20.1%
0 0 0
28,695 20.5% 6.4% 55,652 20.6% 33,568 20.1%
0
0
0
19,431.50 2.9% -9.3% 40,861 11.1% 21,736.40 11.5%

17,309.10 18.7% 9.5% 33,114 11.3% 19,469.20 18.0%
6,875.40 167.3% 72.5% 10,860 248.0% 9,614.20 55.5%
5,036 4.3% 0.3% 5,036 0.5% 5,050 4.5%

677,735 40.5% 5.1% 677,735 10.2% 715,015 39.7%
682,771 40.2% 5.1% 682,771 10.1% 720,066 39.4%
5,069,087 29.7% 4.7% 5,069,087 12.4% 5,239,968 26.5%
523,074 35.7% 11.4% 523,074 15.7% 600,351 51.4%
325,053 1.5% -2.2% 325,053 0.1% 318,534 8.4%
6,599,985 29.4% 4.9% 6,599,985 11.8% 6,878,919 28.6%
257,040 26.2% 5.5% 257,040 -6.6% 268,225 27.8%

77,844 -31.0% -45.6% 77,844 -11.8% 57,895 -52.0%
1,712,813 48.4% -0.6% 1,712,813 13.0% 1,823,451 52.4%
4,185,410 27.9% 9.6% ### 14.5% ### 25.7%
2,044,550 29.3% 9.2% 2,044,550 18.3% 2,148,720 30.4%
2,140,860 26.6% 9.9% 2,140,860 11.1% 2,214,924 21.5%
32,117 10.6% 1.2% 32,117 2.9% 32,395 10.4%
334,761 2.4% 1.2% 334,761 -1.3% 333,309 3.7%
6,599,985 29.4% 4.9% -100.0% 6,878,919 28.6%
9,254,496 28.9% 6.8% 9,254,496 13.4% 9,603,612 26.2%
54.8% 1.3% 0.3% 54.6% 1.0% 54.1% 0.1%

27.6% 0.6% -0.2% 27.7% 1.0% 28.9% -1.9%
26.3% 0.2% -0.4% 26.6% 0.4% 26.5% -2.0%
45.4% -0.9% 0.2% 45.3% -0.5% 42.3% 0.3%
33.7% 0.4% -0.2% 33.9% -0.5% 34.0% 1.3%
46.2% -0.7% 0.3% 46.0% -0.1% 43.7% 0.4%
14.0% 2.5% -1.5% 14.7% 2.6% 12.1% -0.3%
82.6% -1.2% 3.7% 82.6% -1.2% 83.3% -0.5%
160.7% 94.5% 104.3%
3.2% 0.9% 0.6% 2.9% 1.4% 5.7% 0.2%
1.8% 0.5% 0.3% 1.6% 0.8% 3.4% 0.1%
48.8% 0.5% -0.2% 48.8% 0.5% 49.2% 1.8%
47.1% 59.6% 58.4%
34.2% 0.3% -0.4% 34.4% 0.7% 33.9% 0.2%
0.68% -12.6% 0.6%
38,278 13.9% 4.8% 38,278 11.3% 42,552 22.7%

0.9% -0.1% 0.0% 0.91% 0.0% 1.0% 0.0%
0.91% -0.1% 0.0% 0.91% 0.0% 0.97% 0.0%
10,377 13.1% 1.0% 10,377 15.8% 12,606 39.5%
0.25% 0.0% 0.0% 0.25% 0.0% 0.29% 0.0%
0.25% 0.0% 0.0% 0.25% 0.0% 0.29% 0.0%
27,901 14.1% 6.3% 27,901 14.1% 29,946 16.8%
72.9% 0.2% 1.0% 72.9% -1.0% 70.4% -3.6%
0.48% 0.0% -0.1% 0.0% 0.56% 0.0%

4,224 27.7% 9.5% 4,224 14.5% 4,406 25.7%
534 -119.0% 183 -8.4%
0.1% 0.0% 0.0% 0.3% 0.0% 0.1% 0.0%
4,063,830
299,814
2,148,720
1,915,110
299,814
1,314,710
536,330 21.8% 7.1% 536,330 14.7% 563,210 23.5%

289,730 18.4% 9.4% 289,730 16.1% 297,680 19.3%
57,620 28.1% 9.1% 57,620 14.1% 61,070 28.5%
883,680 21.0% 7.9% 883,680 15.1% 921,960 22.4%
324,210 38.9% 11.6% 324,210 24.6% 354,940 42.0%
574,990 23.6% 12.8% 574,990 15.2% 596,030 22.3%
15,220 42.5% 13.7% 15,220 11.1% 16,560 37.1%
180,000 28.5% 6.7% 180,000 11.4% 196,890 28.2%
284,830 45.6% 5.9% 284,830 18.1% 284,350 42.3%
43,490 12.5% 2.5% 43,490 7.0% 44,000 12.6%
195,400 51.2% 15.6% 195,400 20.1% 200,950 46.7%
120,550 41.2% 12.2% 120,550 9.1% 133,440 38.3%
2,622,370 29.3% 9.8% 2,622,370 16.2% 2,749,120 29.2%
-100.0% 0
20.5% -1.3% -0.52% 20.5% -0.3% 20.5% -0.9%

11.0% -1.0% -0.04% 11.0% 0.0% 10.8% -0.9%
2.2% 0.0% -0.01% 2.2% 0.0% 2.2% 0.0%
33.7% -2.3% -0.58% 33.7% -0.3% 33.5% -1.8%
12.4% 0.9% 0.20% 12.4% 0.8% 12.9% 1.2%
21.9% -1.0% 0.59% 21.9% -0.2% 21.7% -1.2%
0.6% 0.1% 0.02% 0.6% 0.0% 0.6% 0.0%
6.9% 0.0% -0.20% 6.9% -0.3% 7.2% -0.1%
10.9% 1.2% -0.40% 10.9% 0.2% 10.3% 1.0%
1.7% -0.2% -0.12% 1.7% -0.1% 1.6% -0.2%
7.5% 1.1% 0.38% 7.5% 0.2% 7.3% 0.9%
4.6% 0.4% 0.10% 4.6% -0.3% 4.9% 0.3%
100.0% 0.0% 0.00% 100.0% 0.0% 100.0% 0.0%
13% 13%
7% 7%
1% 1%
21% 21%
8% 8%
14% 14%
0% 0%
4% 5%
7% 7%
1% 1%
5% 5%
3% 3%
63% 63%
460,090 21.8% 5.9% 460,090 13.5% 497,550 24.3%

147,990 6.8% 10.5% 147,990 15.7% 149,500 13.2%
47,300 30.5% 7.7% 47,300 13.8% 52,130 31.7%
655,380 18.6% 7.0% 655,380 14.0% 699,180 22.3%
318,810 37.8% 10.6% 318,810 23.5% 350,710 41.4%
272,880 24.2% 13.6% 272,880 44.9% 269,360 26.2%
10,780 2.7% 10.0% 10,780 -20.3% 11,290 -5.4%
180,000 28.5% 6.7% 180,000 11.4% 196,890 28.2%
284,830 45.6% 5.9% 284,830 18.1% 284,190 42.3%
43,090 11.6% 2.0% 43,090 6.2% 43,610 11.8%
192,140 49.0% 15.4% 192,140 18.7% 197,160 44.7%
86,640 35.4% 14.5% 86,640 -2.1% 96,330 29.4%
2,044,550 29.3% 9.2% 2,044,550 18.3% 2,148,720 30.4%
22.5% -1.4% -0.70% 22.5% -0.9% 23.2% -1.1%

7.2% -1.5% 0.09% 7.2% -0.2% 7.0% -1.1%
2.3% 0.0% -0.03% 2.3% -0.1% 2.4% 0.0%
32.1% -2.9% -0.65% 32.1% -1.2% 32.5% -2.2%
15.6% 1.0% 0.20% 15.6% 0.7% 16.3% 1.3%
13.3% -0.5% 0.52% 13.3% 2.5% 12.5% -0.4%
0.5% -0.1% 0.00% 0.5% -0.3% 0.5% -0.2%
8.8% -0.1% -0.20% 8.8% -0.5% 9.2% -0.2%
13.9% 1.6% -0.43% 13.9% 0.0% 13.2% 1.1%
2.1% -0.3% -0.15% 2.1% -0.2% 2.0% -0.3%
9.4% 0.50% 9.4% 0.0% 9.2%
4.2% 0.2% 0.20% 4.2% -0.9% 4.5% 0.0%
100.0% 0.0% 0.00% 100.0% 0.0% 100.0% 0.0%
11.0% 11.4%
3.5% 3.4%
1.1% 1.2%
15.7% 16.0%
7.6% 8.0%
6.5% 6.2%
0.3% 0.3%
4.3% 4.5%
6.8% 6.5%
1.0% 1.0%
4.6% 4.5%
2.1% 2.2%
48.8% 49.2%
883,680 21.0% 7.9% 883,680 15.1% 921,960 22.4%

1,738,690 33.9% 10.8% 1,738,690 16.7% 1,827,160 32.8%
698,110 20.8% 4.3% 698,110 -5.1% 740,440 29.7%

1,315,220 18.7% 5.3% 1,315,220 5.3% 1,354,320 20.6%
3,055,757 37.6% 4.5% 3,055,757 21.1% 3,145,208 28.5%
25.9% -8.5% 0.5% 25.9% -8.5% 25.8% -4.7%
40.00% -3.2% 0.4% 40.00% -5.4% 40.00% -5.4%
39.7% -3.4% 0.1% 39.7% -4.3% 40.0% -0.9%
3,270,638.00 3,365,811.50
80% -6.2% 74%
4,955,415 29.9% 6.0% 4,788,522 26.3% 5,154,527 28.1%

496,252 28.6% 7.7% 487,605 25.1% 561,712 43.7%
1,718,375.15 53.2% 6.1% 1,614,615.50 36.6% 1,768,132.15 50.4%
4,002,757 25.2% 7.1% 3,920,180 24.4% 4,274,527 26.8%
6,446,604 28.8% 5.7% 5,905,031 20.1% 6,739,452 29.0%
5,721,132 32.5% 6.8% 5,534,796 27.7% 6,042,659 32.9%
666,219 40.6% 4.9% 651,433 41.3% 701,418 39.7%
0.0% 0.0% 0.0% 0.0%
10.3% -0.6% -0.2% 10.4% -0.2% 10.2% -0.7%
10.94% -0.4% -0.2% 0.0% 10.75% -0.6%

10.9% -0.4% -0.2% 10.9% -0.4% 10.7% -0.6%
7.91% -0.7% -0.2% 0.0% 8.26% -0.2%

7.9% -0.7% -0.2% 8.3% 0.6% 8.3% -0.2%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
5.94% -0.1% 0.0% 0.0% 5.84% -0.2%

5.94% -0.1% 0.0% 5.97% 0.0% 5.84% -0.2%
4.20% -0.3% -0.1% 4.20% -0.3% 4.30% -0.1%
4.7% -0.4% -0.1% 0.0% 4.7% -0.3%
2.0% 0.0% 0.0% 0.0% 2.0% 0.0%

1.8% -0.1% 0.0% 1.9% 0.0% 2.0% -0.1%
17.2% -2.9% 0.2% 17.1% -2.9% 19.1% -3.1%
12.8% 1.0% 0.0% 12.8% -0.9% 13.2% 1.2%
2.7% -1.2% -0.2% 2.7% -0.4% 2.7% -1.0%

15.5% -0.2% -0.2% 15.5% -1.3% 15.9% 0.2%
11.50 13.30
22.80 17.4% 6.4% 26.67 17.0%
11.30
4,227 627 126 4,227 213 4,281 622

11,686 171 (276) 11,686 (80) 11,843 210
83,416 84,619
12,000
4,910,000 5,003,400
16,380 16,380
38,278
15,510
11,240
3,170
4,340
3,770
42,552
1.42%
36019.3 36019.3
27018.2 44365
22386 34666.5
40,651.50 45,717.80
38,523 40,652
13,148 17,347
11,019 12,281
40,652 45,718
179 180 181 182 183 184 185
QoQ 9mFY16 YoY 4Q16 YoY QoQ 12mFY16
4.9% 328,790 20.2% 119,489 21.6% 4.1% 448,279

7.5% 103,304 47.2% 37,896 33.4% 3.8% 141,200
-35.2% 10,153 -7.2% 2,583 -23.3% -6.5% 12,736
4.3% 442,247 24.7% 159,968 23.0% 3.8% 602,215
3.1% 240,865 26.2% 85,434 22.2% 2.4% 326,299
5.8% 201,382 22.9% 74,533 24.0% 5.4% 275,915
7.3% 55,867 17.6% 21,724 18.4% 8.4% 77,591

-13.2% 9,450 35.1% 2,828 -14.0% 1.9% 12,278
101.9% 6,162 59.8% 1,155 -41.1% -64.8% 7,317
30.5% 7,380 23.3% 2,952 44.5% 12.6% 10,332
0
12.6% 78,859 22.6% 28,659 11.8% -0.2% 107,518
6.5% 72,697 20.2% 27,504 16.2% 8.1% 100,201
7.7% 280,241 22.8% 103,192 20.3% 3.8% 383,433

6.0% 274,079 22.2% 102,037 21.8% 6.1% 376,116
1.2% 42,043 22.7% 14,980 13.0% 4.7% 57,022

-0.1% 81,912 22.1% 30,863 22.0% 11.3% 112,775
0.4% 123,954 22.3% 45,843 18.9% 9.0% 169,797
13.7% 156,287 23.2% 57,349 21.5% 0.0% 213,636

10.8% 150,125 22.1% 56,194 24.2% 3.9% 206,319
24.2% 16,434 26.5% 4,903 0.0% -18.5% 21,337

-62.5% 2,789 57.7% 1,610 36.4% 222.6% 4,399
0 0
0 0
1,150 1,150
-82.1% 259 -72.3% 112 -135.2% 349.6% 370
-4.0% 20,632 37.6% 6,625 14.9% 1.3% 27,256
16.5% 135,655 21.3% 50,725 22.4% -0.2% 186,380
15.6% 46,435 23.0% 16,982 26.9% -1.6% 63,417
17.0% 89,221 20.4% 33,742 20.2% 0.5% 122,963
0 0 0
17.0% 89,221 20.4% 33,742 20.2% 0.5% 122,963
0 0
0 0
0 0
11.9% 62,597 11.2% 20,381 8.6% -6.2% 82,979

12.5% 52,583 13.7% 22,640 41.1% 16.3% 75,223
39.8% 20,474 120.0% 7,703 15.8% -19.9% 28,178
0.3% 5,050 0.7% 5,056 0.9% 0.1% 5,056

5.5% 715,015 16.2% 721,721 17.3% 0.9% 721,721
5.5% 720,066 16.1% 726,778 17.2% 0.9% 726,778
3.4% 5,239,968 16.2% 5,464,242 21.2% 4.3% 5,464,242
14.8% 600,351 32.8% 530,185 17.3% -11.7% 530,185
-2.0% 318,534 -1.9% 367,251 13.1% 15.3% 367,251
4.2% 6,878,919 16.5% 7,088,456 20.0% 3.0% 7,088,456

62%
35%
4.4% 268,225 -2.5% 300,583 9.3% 12.1% 300,583
-25.6% 57,895 -34.4% 88,605 0.4% 53.0% 88,605
6.5% ### 20.2% 1,638,858 8.1% -10.1% ###
4.3% ### 19.4% ### 27.1% 6.5% ###
5.1% ### 24.3% 2,241,180 29.7% 4.3% ###
3.5% ### 15.0% 2,404,760 24.8% 8.6% ###
0.9% 32,395 3.8% 33,432 7.1% 3.2% 33,432
-0.4% 333,309 -1.7% 381,038 12.4% 14.3% 381,038
4.2% -100.0% 7,088,456 20.0% 3.0% ###
3.8% 9,603,612 17.6% 10,110,182 23.9% 5.3% 10,110,182
-0.6% 54.5% 0.7% 53.4% -0.4% -0.7% 54.2%

1.3% 28.1% -0.1% 27.8% -2.1% -1.1% 28.0%
0.1% 26.5% -0.4% 27.0% -1.3% 0.5% 26.6%
-3.1% 44.2% -0.2% 44.4% -0.5% 2.1% 44.3%
0.3% 33.9% 0.1% 32.7% -1.7% -1.4% 33.6%
-2.5% 45.2% 0.1% 44.9% -1.1% 1.2% 45.1%
-1.9% 13.7% 1.6% 11.8% -1.0% -0.3% 13.2%
0.7% 83.28% -0.5% 85.0% 3.9% 1.7% 85.02%
96.8% 125.9% 103.6%
2.5% 3.9% 0.9% 2.0% -2.1% -3.7% 3.4%
1.6% 2.2% 0.5% 1.1% -1.2% -2.3% 1.9%
0.4% 49.2% 1.8% 48.2% 0.9% -1.0% 48.2%
59.3% 32.8% 51.7%
-0.3% 34.2% 0.5% 33.5% 1.2% -0.5% 34.0%
-10.1% 0.6% -3.9%
11.2% 42,552 23.8% 43,928 27.8% 3.2% 43,928

0.1% 0.97% 0.0% 0.9% 0.0% 0.0% 0.94%
0.1% 0.97% 0.0% 0.94% 0.0% 0.0% 0.94%
21.5% 12,606 40.6% 13,204 47.3% 4.7% 13,204
0.0% 0.29% 0.0% 0.28% 0.0% 0.0% 0.28%
0.0% 0.29% 0.0% 0.28% 0.0% 0.0% 0.28%
7.3% 29,946 16.8% 30,725 20.9% 2.6% 30,725
-2.5% 70.4% -3.6% 69.9% -4.0% -0.4% 69.9%
0.1% 0.0% 0.44% -0.1% -0.1%

4.3% 4,406 19.4% 4,690 27.1% 6.4% 4,690
717 -127.4% 284 54.4% 55.4% 1,001
0.0% 0.3% 0.0% 0.1% 0.0% 0.0%
-
3,218,029
4,322,297
323,642
2,241,180
2,081,117
323,642
1,423,967
5.0% 563,210 20.4% 572,810 22.5% 1.7% 572,810

2.7% 297,680 19.3% 309,350 24.0% 3.9% 309,350
6.0% 61,070 20.9% 63,830 26.4% 4.5% 63,830
4.3% 921,960 20.1% 945,990 23.2% 2.6% 945,990
9.5% 354,940 36.5% 377,040 45.0% 6.2% 377,040
3.7% 596,030 19.5% 610,890 22.4% 2.5% 610,890
8.8% 16,560 20.9% 18,970 38.5% 14.6% 18,970
9.4% 196,890 21.9% 205,200 27.0% 4.2% 205,200
-0.2% 284,350 17.9% 318,600 32.1% 12.0% 318,600
1.2% 44,000 8.2% 45,860 12.8% 4.2% 45,860
2.8% 200,950 23.5% 229,340 41.0% 14.1% 229,340
10.7% 133,440 20.8% 146,440 32.6% 9.7% 146,440
4.8% 2,749,120 21.8% 2,898,330 28.4% 5.4% 2,898,330
0
0.0% 20.5% -0.2% 19.8% -1.0% -0.7% 19.8%

-0.2% 10.8% -0.2% 10.7% -0.4% -0.2% 10.7%
0.0% 2.2% 0.0% 2.2% 0.0% 0.0% 2.2%
-0.2% 33.5% -0.5% 32.6% -1.4% -0.9% 32.6%
0.5% 12.9% 1.4% 13.0% 1.5% 0.1% 13.0%
-0.2% 21.7% -0.4% 21.1% -1.0% -0.6% 21.1%
0.0% 0.6% 0.0% 0.7% 0.0% 0.1% 0.7%
0.3% 7.2% 0.0% 7.1% -0.1% -0.1% 7.1%
-0.5% 10.3% -0.3% 11.0% 0.3% 0.6% 11.0%
-0.1% 1.6% -0.2% 1.6% -0.2% 0.0% 1.6%
-0.1% 7.3% 0.1% 7.9% 0.7% 0.6% 7.9%
0.3% 4.9% 0.0% 5.1% 0.2% 0.2% 5.1%
0.0% 100.0% 0.0% 100.0% 0.0% 0.0% 100.0%
12%
7%
1%
20%
8%
13%
0%
4%
7%
1%
5%
3%
62%
8.1% 497,550 22.8% 501,990 23.9% 0.9% 501,990

1.0% 149,500 16.9% 146,880 14.8% -1.8% 146,880
10.2% 52,130 25.4% 53,800 29.4% 3.2% 53,800
6.7% 699,180 21.7% 702,670 22.3% 0.5% 702,670
10.0% 350,710 35.8% 372,000 44.1% 6.1% 372,000
-1.3% 269,360 43.1% 252,900 34.3% -6.1% 252,900
4.7% 11,290 -16.6% 12,400 -8.4% 9.8% 12,400
9.4% 196,890 21.9% 205,200 27.0% 4.2% 205,200
-0.2% 284,190 17.8% 318,440 32.0% 12.1% 318,440
1.2% 43,610 7.5% 45,310 11.7% 3.9% 45,310
2.6% 197,160 21.8% 224,670 38.8% 14.0% 224,670
11.2% 96,330 8.8% 107,590 21.6% 11.7% 107,590
5.1% 2,148,720 24.3% 2,241,180 29.7% 4.3% 2,241,180
0.65% 23.2% -0.3% 22.4% -1.0% -0.76% 22.4%

-0.28% 7.0% -0.4% 6.6% -0.8% -0.40% 6.6%
0.11% 2.4% 0.0% 2.4% 0.0% -0.03% 2.4%
0.48% 32.5% -0.7% 31.4% -1.9% -1.19% 31.4%
0.73% 16.3% 1.4% 16.6% 1.7% 0.28% 16.6%
-0.81% 12.5% 1.6% 11.3% 0.4% -1.25% 11.3%
0.00% 0.5% -0.3% 0.6% -0.2% 0.03% 0.6%
0.36% 9.2% -0.2% 9.2% -0.2% -0.01% 9.2%
-0.71% 13.2% -0.7% 14.2% 0.3% 0.98% 14.2%
-0.08% 2.0% -0.3% 2.0% -0.3% -0.01% 2.0%
9.2% -0.2% 10.0% 10.0%
0.25% 4.5% -0.6% 4.8% -0.3% 0.32% 4.8%
0.00% 100.0% 0.0% 100.0% 0.0% 0.00% 100.0%
10.8% 10.8%
3.2% 3.2%
1.2% 1.2%
15.1% 15.1%
8.0% 8.0%
5.4% 5.4%
0.3% 0.3%
4.4% 4.4%
6.9% 6.9%
1.0% 1.0%
4.8% 4.8%
2.3% 2.3%
48.2% 48.2%
4.3% 921,960 20.1% 945,990 23.2% 2.6% 945,990

5.1% 1,827,160 22.7% 1,952,340 31.1% 6.9% 1,952,340
6.1% 740,440 0.7% 884,250 20.2% 19.4% 884,250

3.0% 1,354,320 8.4% 1,478,860 18.4% 9.2% 1,478,860
2.9% 3,145,208 24.7% 3,101,132 22.9% -1.4% 3,101,132
-0.4% 25.8% -4.7% 27.1% -2.3% 4.7%
0.0% 40.00% -5.4% 43.00% -2.4% 3.0% 43.00%
0.3% 40.0% -4.1% 43.2% -0.8% 3.3% 43.2%
3,452,954.10
-7.6% 80% -20.6% 8.8%
4.0% 4,873,962 24.7% 5,352,105 23.8% 3.8% 4,986,099

13.2% 526,243 33.1% 565,268 33.2% 0.6% 491,160
2.9% 1,669,934.35 38.8% 1,731,154.40 27.6% -2.1% 1,577,637.75
6.8% 4,009,297 23.3% 4,504,792 26.4% 5.4% 4,150,445
4.5% 5,905,031 20.1% 6,983,687 24.1% 3.6% 6,496,743
5.6% 5,679,232 27.5% 6,235,946 26.8% 3.2% 5,728,083
5.3% 670,080 40.8% 723,422 27.3% 3.1% 673,436
0.0% 0.0% 0.0% 0.0%
-0.1% 10.4% -0.2% 10.3% -0.3% 0.1% 10.5%
-0.2% 0.0% 10.61% -0.4% -0.1%

-0.2% 10.9% -0.3% 10.6% -0.4% -0.1% 10.8%
0.4% 0.0% 8.76% 0.4% 0.5%

0.4% 8.2% 0.5% 8.8% 0.4% 0.5% 9.0%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
-0.1% 5.95% 0.0% 5.78% -0.1% -0.1%

-0.1% 5.95% 0.0% 5.78% -0.1% -0.1% 5.96%
0.1% 4.20% 0.0% 4.30% -0.1% 0.0%
0.0% 0.0% 4.8% -0.1% 0.1%
0.0% 0.0% 2.0% 0.0% 0.0%

0.2% 2.0% 0.0% 1.9% -0.1% -0.1% 1.9%
1.9% 17.8% -3.0% 18.7% -1.1% -0.5% 18.3%
0.4% 13.2% -0.5% 13.2% -0.5% 0.0% 13.2%
0.0% 2.7% -0.4% 2.3% -0.8% -0.4% 2.3%

0.4% 15.9% -0.9% 15.5% -1.3% -0.4% 15.5%
13.3 0.0% 48.80
17.0% 26.81 17.1% 0.5%
48.30
54 4,281 267 4,520 506 239 4,520

157 11,843 77 12,000 234 157 12,000
87,555.00
48,000
5,297,000
13,360
0
17,000
1.46%
36019.3
62859.2
51930.2
46,948.30
45,718
18,494
17,264
46,948
186 187 188 189 190 191 192
YoY 1Q17 YoY QoQ 2Q17 YoY QoQ
20.6% 124,708 19.4% 4.4% 129,014 17.8% 3.5%

43.2% 38,092 16.1% 0.5% 38,181 12.4% 0.2%
-11.0% 2,360 -24.5% -8.6% 3,505 -17.8% 48.5%
24.2% 165,160 17.6% 3.2% 170,699 15.6% 3.4%
25.1% 87,346 14.1% 2.2% 90,764 12.2% 3.9%
23.2% 77,814 21.8% 4.4% 79,936 19.6% 2.7%
17.8% 19,779 15.5% -9.0% 21,039 12.6% 6.4%

19.4% 3,145 -9.6% 11.2% 2,950 -7.7% -6.2%
25.8% 2,769 119.9% 139.7% 2,835 74.6% 2.4%
28.7% 2,374 -13.7% -19.6% 2,186 8.8% -7.9%
19.5% 28,066 14.0% -2.1% 29,010 13.7% 3.4%

19.1% 25,297 8.3% -8.0% 26,175 9.5% 3.5%
22.1% 105,881 19.6% 2.6% 108,945 18.0% 2.9%

22.1% 103,112 18.2% 1.1% 106,110 17.0% 2.9%
20.0% 15,852 16.6% 5.8% 16,572 17.2% 4.5%

22.1% 31,837 20.5% 3.2% 32,128 15.7% 0.9%
21.4% 47,689 19.2% 4.0% 48,700 16.2% 2.1%
22.7% 58,192 20.0% 1.5% 60,246 19.5% 3.5%

22.6% 55,423 17.3% -1.4% 57,411 17.6% 3.6%
19.3% 8,290 48.7% 69.1% 6,407 32.3% -22.7%

49.2% 40 -95.8% -97.5% 1,010 -24.1% 2425.0%
250
-40.0% 87 -8.0% -21.7% 73 -47.4% -16.4%
31.3% 8,667 19.1% 30.8% 7,490 9.9% -13.6%
21.6% 49,525 20.1% -2.4% 52,756 21.0% 6.5%
24.0% 17,136 20.1% 0.9% 18,202 22.0% 6.2%
20.4% 32,389 20.2% -4.0% 34,553 20.4% 6.7%
0 0
20.4% 32,389 20.2% -4.0% 34,553 20.4% 6.7%
10.6% 24,896.40 16.2% 22.2% -100.0% -100.0%

20.8% 17,322.10 9.6% -23.5% -100.0% -100.0%
76.6% 7,306.10 83.3% -5.2% -100.0% -100.0%
0.9% 5,070 0.9% 0.3% 5,091 1.1% 0.4%

17.3% 758,586 17.7% 5.1% 800,481 18.1% 5.5%
17.2% 763,656 17.5% 5.1% 805,573 18.0% 5.5%
21.2% 5,737,545 18.5% 5.0% 5,917,306 16.7% 3.1%
17.3% 689,001 46.8% 30.0% 770,385 47.3% 11.8%
13.1% 360,799 8.5% -1.8% 395,006 21.5% 9.5%
20.0% 7,551,001 20.0% 6.5% 7,888,270 19.5% 4.5%

-100.0%
-100.0%
9.3% 284,053 16.5% -5.5% 286,297 11.4% 0.8%
0.4% 118,819 -16.9% 34.1% 178,783 129.7% 50.5%
8.1% 2,063,391 19.7% 25.9% 2,066,526 20.7% 0.2%
27.1% ### 23.2% 1.3% ### 18.1% 5.1%
29.7% 2,330,600 24.5% 4.0% 2,524,090 23.5% 8.3%
24.8% 2,375,625 22.0% -1.2% 2,420,088 13.0% 1.9%
7.1% 34,769 9.6% 4.0% 35,123 9.4% 1.0%
12.4% 343,744 3.9% -9.8% 377,362 12.7% 9.8%
20.0% 7,551,001 20.0% 6.5% 7,888,270 19.5% 4.5%
23.9% 10,443,770 20.6% 3.3% 10,861,485 17.4% 4.0%
0.4% 52.9% -1.6% -0.5% 53.2% -1.6% 0.3%

-0.6% 26.5% -1.3% -1.3% 26.6% -1.0% 0.1%
-0.7% 24.5% -2.2% -2.4% 24.7% -1.7% 0.1%
-0.3% 45.0% -0.2% 0.6% 44.7% -0.7% -0.3%
-0.4% 33.2% -0.7% 0.6% 34.0% 0.3% 0.8%
-0.3% 46.2% 0.4% 1.3% 45.9% -0.3% -0.4%
0.9% 15.6% 0.2% 3.8% 13.0% -0.9% -2.6%
3.9% 82.0% 3.1% -3.0% 83.6% 1.0% 1.5%
22.1% 132.4%
0.1% 4.8% 2.2% 2.7% 4.7% 1.5% -0.1%
0.1% 2.7% 1.2% 1.6% 2.7% 0.9% 0.0%
0.9% 49.5% 0.5% 1.3% 51.1% 2.2% 1.5%
148.3% 81.3%
0.7% 34.6% 0.0% 1.1% 34.5% 0.3% -0.1%
0.7% -4.8% 26.0% 0.62% -8.8% -16.3%
27.8% 49,209 34.7% 12.0% 50,690 32.4% 3.0%

0.0% 1.04% 0.1% 0.1% 1.02% 0.1% 0.0%
0.0% 1.04% 0.1% 0.1% 1.02% 0.1% 0.0%
47.3% 14,934 45.3% 13.1% 14,889 43.5% -0.3%
0.0% 0.32% 0.1% 0.0% 0.30% 0.1% 0.0%
0.0% 0.32% 0.0% 0.0% 0.30% 0.1% 0.0%
20.9% 34,275 30.6% 11.6% 35,802 28.3% 4.5%
-4.0% 69.7% -2.2% -0.3% 70.6% -2.3% 1.0%
0.0% 0.7% 0.1% 0.3% 0.53% 0.0% -0.2%

27.1% 4,755 23.3% 1.4% 4,995 18.3% 5.0%
-141.2% -100.0%
0.1% 0.0% 0.0% 0.1% 0.0% 0.0%
4,376,225 4,612,918
330,000 331,260
2,330,600 2,524,090
2,045,625 2,088,828
330,000 331,260
1,304,275 1,421,538
22.5% 595,610 18.9% 4.0% 644,290 20.1% 8.2%

24.0% 314,610 18.8% 1.7% 335,610 15.8% 6.7%
26.4% 66,140 25.2% 3.6% 71,180 23.5% 7.6%
23.2% 976,360 19.3% 3.2% 1,051,080 18.9% 7.7%
45.0% 410,590 41.3% 8.9% 450,240 38.9% 9.7%
22.4% 693,240 36.0% 13.5% 657,940 14.4% -5.1%
38.5% 18,860 40.9% -0.6% 20,520 34.8% 8.8%
27.0% 212,550 26.0% 3.6% 213,360 18.5% 0.4%
32.1% 336,050 25.0% 5.5% 335,740 17.9% -0.1%
12.8% 48,760 14.9% 6.3% 50,930 17.1% 4.5%
41.0% 224,030 32.6% -2.3% 248,810 27.3% 11.1%
32.6% 151,510 41.0% 3.5% 162,760 35.0% 7.4%
28.4% 3,071,950 28.6% 6.0% 3,191,380 21.7% 3.9%
65% 90.4% -100.0%
-1.0% 19.4% -1.6% -0.37% 20.2% -0.3% 0.80%

-0.4% 10.2% -0.8% -0.43% 10.5% -0.5% 0.27%
0.0% 2.2% -0.1% -0.05% 2.2% 0.0% 0.08%
-1.4% 31.8% -2.5% -0.86% 32.9% -0.8% 1.15%
1.5% 13.4% 1.2% 0.36% 14.1% 1.7% 0.74%
-1.0% 22.6% 1.2% 1.49% 20.6% -1.3% -1.95%
0.0% 0.6% 0.1% -0.04% 0.6% 0.1% 0.03%
-0.1% 6.9% -0.1% -0.16% 6.7% -0.2% -0.23%
0.3% 10.9% -0.3% -0.05% 10.5% -0.3% -0.42%
-0.2% 1.6% -0.2% 0.00% 1.6% -0.1% 0.01%
0.7% 7.3% 0.2% -0.62% 7.8% 0.3% 0.50%
0.2% 4.9% 0.4% -0.12% 5.1% 0.5% 0.17%
0.0% 100.0% 0.0% 0.00% 100.0% 0.0% 0.00%
13% 13.0%
7% 6.8%
1% 1.4%
21% 21.3%
9% 9.1%
15% 13.3%
0% 0.4%
5% 4.3%
7% 6.8%
1% 1.0%
5% 5.0%
3% 3.3%
65% 64.5%
23.9% 521,870 20.1% 4.0% 564,830 22.8% 8.2%

14.8% 153,290 14.5% 4.4% 165,980 12.2% 8.3%
29.4% 55,490 26.3% 3.1% 58,230 23.1% 4.9%
22.3% 730,650 19.3% 4.0% 789,040 20.4% 8.0%
44.1% 404,930 40.5% 8.9% 447,060 40.2% 10.4%
34.3% 255,960 6.6% 1.2% 315,160 15.5% 23.1%
-8.4% 12,060 23.1% -2.7% 12,600 16.9% 4.5%
27.0% 212,550 26.0% 3.6% 213,360 18.5% 0.4%
32.0% 335,900 24.9% 5.5% 335,590 17.8% -0.1%
11.7% 48,040 13.7% 6.0% 50,210 16.5% 4.5%
38.8% 219,590 31.8% -2.3% 244,250 27.1% 11.2%
21.6% 110,920 46.6% 3.1% 116,820 34.8% 5.3%
29.7% 2,330,600 24.5% 4.0% 2,524,090 23.5% 8.3%
-1.0% 22.4% -0.8% -0.01% 22.4% -0.1% -0.01%

-0.8% 6.6% -0.6% 0.02% 6.6% -0.7% 0.00%
0.0% 2.4% 0.0% -0.02% 2.3% 0.0% -0.07%
-1.9% 31.4% -1.4% 0.00% 31.3% -0.8% -0.09%
1.7% 17.4% 2.0% 0.78% 17.7% 2.1% 0.34%
0.4% 11.0% -1.8% -0.30% 12.5% -0.9% 1.50%
-0.2% 0.5% 0.0% -0.04% 0.5% 0.0% -0.02%
-0.2% 9.1% 0.1% -0.04% 8.5% -0.4% -0.67%
0.3% 14.4% 0.1% 0.20% 13.3% -0.6% -1.12%
-0.3% 2.1% -0.2% 0.04% 2.0% -0.1% -0.07%
0.7% 9.4% 9.7% 0.25%
-0.3% 4.8% 0.7% -0.04% 4.6% 0.4% -0.13%
0.0% 100.0% 0.0% 0.00% 100.0% 0.0% 0.00%
11.1% 11.4%
3.3% 3.4%
1.2% 1.2%
15.5% 16.0%
8.6% 9.0%
5.4% 6.4%
0.3% 0.3%
4.5% 4.3%
7.1% 6.8%
1.0% 1.0%
4.7% 4.9%
2.4% 2.4%
49.5% 51.1%
23.2% 976,360 19.3% 3.2% 1,051,080 18.9% 7.7%

31.1% 2,095,590 33.5% 7.3% 2,140,300 23.1% 2.1%
20.2% 760,820 13.7% -14.0% 791,540 13.4% 4.0%

18.4% 1,527,010 22.2% 3.3% 1,599,500 21.6% 4.7%
22.9% 3,449,715 18.0% 11.2% 3,526,266 15.4% 2.2%
26.6% 3.1% -1.7% 27.0% 4.2% 1.6%
-2.4% 39.90% 0.3% -3.1% 40.00% 0.0% 0.1%
-0.8% 39.9% 0.2% -3.4% 40.4% 0.7% 0.5%
3,598,043.40 3,735,525.30
95.96% 13.0% 20.0% 105.89% 33.0% 10.3%
21.9% 5,600,894 19.8% 4.6% 5,827,426 17.6% 4.0%

16.0% 609,593 32.3% 7.8% 729,693 47.0% 19.7%
15.8% 1,851,124.35 14.3% 6.9% 2,064,958.55 20.2% 11.6%
24.2% 4,676,082 25.1% 3.8% 4,825,202 20.5% 3.2%
20.1% 7,319,728 20.0% 4.8% 7,719,635 19.7% 5.5%
21.7% 6,527,207 21.8% 4.7% 6,890,160 20.4% 5.6%
27.7% 745,217 17.4% 3.0% 784,614 17.8% 5.3%
0.0% 0.0% 0.0% 0.0% 0.0%
0.2% 10.1% -0.4% -0.1% 9.9% -0.4% -0.2%
0.0% 10.67% -0.5% 0.1% 10.69% -0.2% 0.0%

-0.3% 10.7% -0.5% 0.1% 10.7% -0.2% 0.0%
0.0% 8.23% 0.1% -0.5% 7.40% -0.5% -0.8%

1.7% 8.2% 0.1% -0.5% 7.4% -0.5% -0.8%
0.0% 0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0% 0.0%
0.0% 5.63% -0.3% -0.1% 5.54% -0.4% -0.1%

0.2% 5.63% -0.3% -0.1% 5.54% -0.4% -0.1%
0.0% 4.40% 0.1% 0.1% 4.20% 0.0% -0.2%
0.0% 4.8% 0.0% 0.0% 4.6% 0.0% -0.1%
0.0% 2.0% 0.0% 0.0% 2.0% 0.0% 0.0%

0.0% 1.8% 0.0% -0.2% 1.8% 0.0% 0.0%
-1.1% 17.4% 0.4% -1.3% 17.6% 0.4% 0.2%

17.6%
-0.5% 13.3% 0.5% 0.1% 13.3% 0.5% 0.0%
-0.8% 2.2% -0.7% -0.1% 2.1% -0.6% -0.1%

-1.3% 15.5% -0.2% 0.0% 15.4% -0.1% -0.1%
6,125,287
5,177,429
339,668
608,190
12.80 19.6% -3.8% 13.60 18.3% 6.3%
25.45 18.8% -5.1% 27.15 19.1% 6.7%
12.60 13.40
506 4,541 440 21 4,548 321 7

234 12,013 51 13 12,016 330 3
90,802 11,402 3,247 95,002 11,586 4,200
19,500
5,760,000
12,400
43,920
17,610 14,400
12,330
3,220 7,640
49,200
1.50% 1.17%
46,948.30 46,948.30
19666 36050.3
13425.5 27778
53,188.80 55,220.60
46,948.30 53,189
19,666 16,384
13,426 14,353
53,189 55,221
193 194 195 196 197 198 199
1H17 YoY 3Q17 YoY QoQ 9mFY17 YoY
253,722 18.6% 131,756 14.7% 2.1% 385,478 17.2%

76,273 14.2% 40,493 10.9% 6.1% 116,767 13.0%
5,865 -20.6% 3,806 37.8% 8.6% 9,671 -4.7%
335,860 16.6% 176,056 14.2% 3.1% 511,916 15.8%
178,109 13.1% 92,965 11.4% 2.4% 271,074 12.5%
157,750 20.7% 83,091 17.6% 3.9% 240,841 19.6%
40,818 14.0% 22,068 10.1% 4.9% 62,886 12.6%

6,095 -8.7% 2,972 7.1% 0.7% 9,067 -4.1%
5,604 94.4% 3,986 21.6% 40.6% 9,590 55.6%
4,560 -4.2% 2,401 -8.4% 9.8% 6,961 -5.7%
0 0
57,077 13.8% 31,427 9.4% 8.3% 88,504 12.2%
51,473 8.9% 27,441 7.9% 4.8% 78,914 8.6%
214,827 18.8% 114,518 15.2% 5.1% 329,345 17.5%

209,223 17.6% 110,532 15.0% 4.2% 319,755 16.7%
32,424 16.9% 16,886 18.0% 1.9% 49,310 17.3%

63,965 18.1% 31,539 13.7% -1.8% 95,504 16.6%
96,389 17.7% 48,425 15.2% -0.6% 144,814 16.8%
118,439 19.7% 66,093 15.2% 9.7% 184,531 18.1%

112,835 17.5% 62,107 14.8% 8.2% 174,941 16.5%
14,697 41.1% 6,944 15.4% 8.4% 21,641 31.7%

1,050 -54.1% 93 -81.4% -90.8% 1,143 -59.0%
0 0
0 0
250 250
160 -31.4% 121 387.1% 65.5% 281 8.7%
16,157 14.6% 7,158 9.5% -4.4% 23,315 13.0%
102,282 20.6% 58,935 16.0% 11.7% 161,216 18.8%
35,338 21.1% 20,281 17.6% 11.4% 55,619 19.8%
66,944 20.3% 38,653 15.1% 11.9% 105,597 18.4%
0 0 0
66,944 20.3% 38,653 15.1% 11.9% 105,597 18.4%
0 0
0 0
0 0
24,896 -39.1% -100.0% 24,896 -60.2%

17,322 -47.7% -100.0% 17,322 -67.1%
7,306 -32.7% -100.0% 7,306 -64.3%
5,091 0.7% 5,111 1.2% 0.4% 5,111 1.1%

800,481 10.9% 845,136 18.2% 5.6% 845,136 17.1%
805,573 10.8% 850,247 18.1% 5.5% 850,247 17.0%
5,917,306 8.3% 6,347,046 21.1% 7.3% 6,347,046 16.2%
770,385 45.3% 721,212 20.1% -6.4% 721,212 36.0%
395,006 7.6% 361,692 13.5% -8.4% 361,692 -1.5%
7,888,270 11.3% 8,280,196 20.4% 5.0% 8,280,196 16.8%
286,297 -4.8% 499,998 86.4% 74.6% 499,998 66.3%

178,783 101.8% 41,026 -29.1% -77.1% 41,026 -53.7%
2,066,526 26.1% 2,360,555 29.5% 14.2% ### 44.0%
### 6.4% ### 13.4% 0.1% ### 6.6%
2,524,090 12.6% 2,610,860 21.5% 3.4% ### 16.5%
2,420,088 0.6% 2,339,573 5.6% -3.3% ### -2.7%
35,123 5.1% 34,903 7.7% -0.6% 34,903 4.4%
377,362 -1.0% 393,282 18.0% 4.2% 393,282 3.2%
-100.0% 8,280,197 20.4% 5.0% -100.0%
10,861,485 7.4% 11,297,479 17.6% 4.0% 11,297,479 11.7%
53.0% -1.6% 52.8% -1.3% -0.4% 53.0% -1.5%

26.6% -1.2% 27.4% -1.5% 0.8% 26.9% -1.3%
24.6% -2.0% 24.8% -1.6% 0.2% 24.7% -1.8%
44.9% -0.4% 42.3% 0.0% -2.4% 44.0% -0.3%
33.6% -0.2% 34.9% 0.8% 0.8% 34.1% 0.1%
46.1% 0.0% 43.8% 0.1% -2.1% 45.3% 0.1%
14.3% -0.4% 11.5% -0.6% -1.5% 13.3% -0.4%
83.6% 1.0% 78.0% -5.3% -5.6% 78.00% -5.3%
65.8% 1.5% 34.5%
4.7% 1.8% 6.0% 0.3% 1.3% 5.2% 1.3%
2.7% 1.1% 3.6% 0.2% 0.9% 3.0% 0.8%
51.1% 2.2% 52.7% 3.5% 1.7% 52.7% 3.5%
94.9% 1387.2% 121.4%
34.5% 0.1% 34.4% 0.5% -0.1% 34.5% 0.3%
0.6% -5.4% -6.8%
50,690 15.4% 52,323 23.0% 3.2% 52,323 19.1%

1.02% 0.1% 1.1% 0.1% 0.0% 1.05% 0.1%
1.02% 0.1% 1.05% 0.1% 0.0% 1.05% 0.1%
14,889 12.8% 15,643 24.1% 5.1% 15,643 18.5%
0.30% 0.0% 0.32% 0.0% 0.0% 0.32% 0.0%
0.30% 0.0% 0.32% 0.0% 0.0% 0.32% 0.0%
35,802 28.3% 36,680 22.5% 2.5% 36,680 22.5%
70.6% 0.7% 70.1% -0.3% -0.5% 70.1% 0.2%
0.0% 0.56% 0.0% 0.0% 0.0%

4,944 5.4% 5,003 13.5% 0.2% 5,003 6.7%
254 -52.4% 8 -95.7% 313 -56.4%
0.1% -66.7% 0.1% 0.0% 0.0% 0.1% -66.7%
count Restructured
4,774,150 17.5% 3.5%
176,283 -41.2% -46.8%
2,610,860
2,163,290
176,283
1,535,880 16.8% 8.0%
644,290 12.5% 655,450 16.4% 1.7% 655,450 14.4%

335,610 8.5% 345,260 16.0% 2.9% 345,260 11.6%
71,180 11.5% 71,070 16.4% -0.2% 71,070 11.3%
1,051,080 11.1% 1,071,780 16.3% 2.0% 1,071,780 13.3%
450,240 19.4% 468,260 31.9% 4.0% 468,260 24.2%
657,940 7.7% 635,820 6.7% -3.4% 635,820 4.1%
20,520 8.2% 22,490 35.8% 9.6% 22,490 18.6%
213,360 4.0% 236,730 20.2% 11.0% 236,730 15.4%
335,740 5.4% 354,230 24.6% 5.5% 354,230 11.2%
50,930 11.1% 48,180 9.5% -5.4% 48,180 5.1%
248,810 8.5% 238,880 18.9% -4.0%
162,760 11.1% 161,900 21.3% -0.5% 161,900 10.6%
3,191,380 10.1% 3,238,270 17.8% 1.5% 3,238,270 11.7%
0 0
20.2% 0.4% 20.2% -0.2% 0.1% 20% 0.5%

10.5% -0.2% 10.7% -0.2% 0.1% 11% 0.0%
2.2% 0.0% 2.2% 0.0% 0.0% 2% 0.0%
32.9% 0.3% 33.1% -0.4% 0.2% 33% 0.5%
14.1% 1.1% 14.5% 1.5% 0.4% 14% 1.5%
20.6% -0.5% 19.6% -2.0% -1.0% 20% -1.4%
0.6% 0.0% 0.7% 0.1% 0.1% 1% 0.0%
6.7% -0.4% 7.3% 0.1% 0.6% 7% 0.2%
10.5% -0.5% 10.9% 0.6% 0.4% 11% -0.1%
1.6% 0.0% 1.5% -0.1% -0.1% 1% -0.1%
7.8% -0.1% 7.4% 0.1% -0.4% 7% -0.5%
5.1% 0.0% 5.0% 0.1% -0.1% 5% -0.1%
100.0% 0.0% 100.0% 0.0% 0.0% 100% 0.0%
13% 13.2% 0.3% 0.2% 13%
7% 7.0% 0.2% 0.2% 7%
1% 1.4% 0.0% 0.0% 1%
21% 21.7% 0.5% 0.4% 22%
9% 9.5% 1.3% 0.4% 9%
13% 12.8% -0.8% -0.5% 13%
0% 0.5% 0.1% 0.0% 0%
4% 4.8% 0.3% 0.5% 5%
7% 7.2% 0.6% 0.4% 7%
1% 1.0% 0.0% -0.1% 1%
5% 4.8% 0.2% -0.2% 0%
3% 3.3% 0.2% 0.0% 3%
65% 65.4% 2.4% 0.9% 65%
564,830 12.5% 584,490 17.5% 3.5% 584,490 16.4%

165,980 13.0% 175,630 17.5% 5.8% 175,630 19.6%
58,230 8.2% 61,140 17.3% 5.0% 61,140 13.6%
789,040 12.3% 821,260 17.5% 4.1% 821,260 16.9%
447,060 20.2% 464,540 32.5% 3.9% 464,540 24.9%
315,160 24.6% 321,290 19.3% 1.9% 321,290 27.0%
12,600 1.6% 12,710 12.6% 0.9% 12,710 2.5%
213,360 4.0% 236,730 20.2% 11.0% 236,730 15.4%
335,590 5.4% 354,080 24.6% 5.5% 354,080 11.2%
50,210 10.8% 47,090 8.0% -6.2% 47,090 3.9%
244,250 8.7% 234,710 19.0% -3.9% 234,710 4.5%
116,820 8.6% 118,450 23.0% 1.4% 118,450 10.1%
2,524,090 12.6% 2,610,860 21.5% 3.4% 2,610,860 16.5%
22.4% 0.0% 22.4% -0.8% 0.0% 22.4% 0.0%

6.6% 0.0% 6.7% -0.2% 0.2% 6.7% 0.2%
2.3% -0.1% 2.3% -0.1% 0.0% 2.3% -0.1%
31.3% -0.1% 31.5% -1.1% 0.2% 31.5% 0.1%
17.7% 1.1% 17.8% 1.5% 0.1% 17.8% 1.2%
12.5% 1.2% 12.3% -0.2% -0.2% 12.3% 1.0%
0.5% -0.1% 0.5% 0.0% 0.0% 0.5% -0.1%
8.5% -0.7% 9.1% -0.1% 0.6% 9.1% -0.1%
13.3% -0.9% 13.6% 0.3% 0.3% 13.6% -0.6%
2.0% 0.0% 1.8% -0.2% -0.2% 1.8% -0.2%
9.7% -0.3% 9.0% -0.2% -0.7% 9.0% -1.0%
4.6% -0.2% 4.5% 0.1% -0.1% 4.5% -0.3%
100.0% 0.0% 100.0% 0.0% 0.0% 100.0% 0.0%
11.4% 11.8% 0.4% 0.4%

3.4% 3.5% 0.1% 0.2%
1.2% 1.2% 0.0% 0.1%
16.0% 16.6% 0.6% 0.6%
9.0% 9.4% 1.3% 0.3%
6.4% 6.5% 0.3% 0.1%
0.3% 0.3% 0.0% 0.0%
4.3% 4.8% 0.3% 0.5%
6.8% 7.2% 0.6% 0.4%
1.0% 1.0% 0.0% -0.1%
4.9% 4.7% 0.2% -0.2%
2.4% 2.4% 0.2% 0.0%
51.1% 52.7% 3.5% 1.7%
1,051,080 11.1% 1,071,780 16.3% 2.0% 1,071,780 13.3%

2,140,300 9.6% 2,166,490 18.6% 1.2% 2,166,490 11.0%
791,540 -10.5% 1,012,390 36.7% 27.9% 1,012,390 14.5%

1,599,500 8.2% 1,866,340 37.8% 16.7% 1,866,340 26.2%
3,526,266 13.7% 3,468,316 10.3% -1.6% 3,468,316 11.8%
27.0% 4.2% 29.4% 13.8% 8.8% 29.4% 13.8%
40.00% -3.0% 45.00% 5.0% 5.0% 45.00% 2.0%
40.4% -2.8% 45.4% 5.4% 4.9% 45.4% 2.1%
4,150,718.40
108.97% 48.2% 2.9%
5,690,774 18.8% 6,132,176 19.0% 5.2% 5,905,644 21.2%

650,285 33.4% 745,798 32.8% 2.2% 625,698 18.9%
1,852,692.00 14.7% 2,213,540.60 25.2% 7.2% 1,999,706.40 19.7%
4,795,059 22.3% 4,947,306 15.7% 2.5% 4,798,186 19.7%
7,088,456 20.0% 8,084,233 20.0% 4.7% 7,088,456 20.0%
6,647,751 20.1% 7,160,846 18.5% 3.9% 6,797,893 19.7%
766,175 17.6% 827,910 18.0% 5.5% 788,512 17.7%
0.0% 0.0% 0.0% 0.0%
10.1% -0.3% 9.8% -0.4% -0.1% 10.0% -0.3%
0.0% 10.65% -0.1% 0.0% 0.0%

10.6% -0.3% 10.7% -0.1% 0.0% 10.7% -0.2%
0.0% 7.32% -0.9% -0.1% 0.0%

8.2% 0.0% 7.3% -0.9% -0.1% 7.8% -0.5%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
0.0% 5.41% -0.4% -0.1% 5.53% -0.4%

5.62% -0.4% 5.41% -0.4% -0.1% 5.53% -0.4%
4.20% 0.0% 4.10% -0.2% -0.1% 4.20% 0.0%
4.1%
0.0% 4.6% 0.0% 0.0% 0.0%
1.89% 1.9% 2.0% 0.0% 0.0% 1.99% 2.0%

1.9% 0.0% 1.9% -0.1% 0.1% 2.0% 0.0%
17.5% 0.4% 18.7% -0.5% 1.1% 17.9% 0.1%

18.7% 6.0%
13.3% 0.1% 13.8% 0.6% 0.5% 13.8% 0.6%
2.1% -0.2% 2.1% -0.6% 0.0% 2.1% -0.2%

15.4% -0.1% 15.9% 0.0% 0.5% 15.9% 0.4%
5,850,000 -4.5%
71%
15.20 14.3% 11.8% 41.60
30.37 13.9% 11.9%
4,548 28 4,555 274 7 4,555 35

12,016 16 12,087 244 71 12,087 87
52.0%
90,421 5,802 (4,581)
1.54%
46,948.30
55529.1
45057.5
57,419.90
55,221
19,479
17,280
57,420
200 201 202 203 204 205 206
135,075 13.0% 2.5% 520,553 16.1% 144,861 16.2%

42,677 12.6% 5.4% 159,443 12.9% 38,930 2.2%
3,393 31.4% -10.9% 13,064 2.6% 2,897 22.8%
181,144 13.2% 2.9% 693,060 15.1% 186,687 13.0%
90,593 6.0% -2.6% 361,667 10.8% 92,980 6.5%
90,551 21.5% 9.0% 331,392 20.1% 93,707 20.4%
25,230 16.1% 14.3% 88,116 13.6% 25,781 30.3%

3,567 26.1% 20.0% 11,307 -7.9% 2,968 -5.6%
1,804 56.2% -54.7% 12,634 72.7% 3,314 19.7%
3,862 30.8% 60.9% 10,909 5.6% 3,103 30.7%
34,463 20.3% 9.7% 122,965 14.4% 35,167 25.3%

32,659 18.7% 19.0% 110,331 10.1% 31,853 25.9%
125,014 21.1% 9.2% 454,357 18.5% 128,874 21.7%

123,210 20.7% 11.5% 441,723 17.4% 125,560 21.8%
11752
15,527 3.7% -8.1% 64,837 13.7% 16,575 4.6%
36,693 18.9% 16.3% 132,197 17.2% 37,100 16.5%
52,220 13.9% 7.8% 197,033 16.0% 53,675 12.6%
72,794 26.9% 10.1% 257,324 20.4% 75,199 29.2%

70,990 26.3% 14.3% 244,690 18.6% 71,885 29.7%
9,779 99.4% 40.8% 31,420 47.3% 13,432 62.0%

2,803 74.1% 2914.0% 3,946 -10.3% -100.0%
0
0 2,063
250
36 -67.7% -70.2% 317 -14.3% 92.6 6.1%
12,618 90.5% 76.3% 35,933 31.8% 15,588 79.8%
60,176 18.6% 2.1% 221,391 18.8% 59,612 20.4%
20,275 19.4% 0.0% 75,894 19.7% 20,673 20.6%
39,901 18.3% 3.2% 145,496 18.3% 38,938 20.2%
0 0 0
39,901 18.3% 3.2% 145,496 18.3% 38,938 20.2%
79,799 79,799 88,069

168,306 168,306 175,923
85,528 85,528 78,574
333,633 342,566
118,026 120,712
215,607 221,854
27,261 33.8% 52,157 -37.1% 29,715.90 19.4%

22,217 -1.9% 39,539 -47.4% 21,223.80 22.5%
13,882 80.2% 21,188 -24.8% 12,887.70 76.4%
-3,184 -4,215.60
60,176 59,612
5,125 1.4% 0.3% 5,125 1.4% 5,148 1.5%

889,499 23.2% 5.2% 889,499 23.2% 937,430 23.6%
894,624 23.1% 5.2% 894,624 23.1% 942,577 23.4%
6,436,397 17.8% 1.4% 6,436,397 17.8% 6,713,761 17.0%
740,289 39.6% 2.6% 740,289 39.6% 860,117 24.8%
567,093 54.4% 56.8% 567,093 54.4% 440,076 22.0%
8,638,402 21.9% 4.3% 8,638,402 21.9% 8,956,531 18.6%
378,969 26.1% -24.2% 378,969 26.1% 362,042 27.5%

110,552 24.8% 169.5% 110,552 24.8% 207,664 74.8%
2,144,633 30.9% -9.1% ### 30.9% 2,161,083 4.7%
5,545,682 19.4% 12.0% ### 19.4% 5,809,758 23.4%
2,836,670 26.6% 8.6% ### 26.6% 3,028,260 29.9%
2,709,012 12.7% 15.8% ### 12.7% 2,781,498 17.1%
36,268 8.5% 3.9% 36,268 8.5% 35,932 3.3%
422,298 10.8% 7.4% 422,298 10.8% 380,052 10.6%
8,638,402 21.9% 4.3% ### 21.9% 8,956,531 18.6%
11,982,079 18.5% 6.1% 11,982,079 18.5% 12,523,519 19.9%
50.0% -3.4% -2.8% 52.2% -2.0% 49.8% -3.1%

27.6% -0.2% 0.1% 27.1% -1.0% 27.3% 0.8%
26.5% -0.4% 1.7% 25.0% -1.7% 25.4% 0.8%
41.8% -2.7% -0.5% 43.4% -0.9% 41.6% -3.4%
29.7% -2.9% -5.1% 32.9% -0.7% 30.9% -2.4%
42.4% -2.5% -1.4% 44.6% -0.5% 42.7% -3.5%
17.8% 6.0% 6.2% 14.7% 1.5% 21.7% 6.0%
86.2% 1.1% 8.2% 86.16% 1.1% 86.5% 4.5%
666.2% 92.6% 95.2%
2.5% 0.5% -3.6% 4.9% 1.5% 4.4% -0.4%
1.5% 0.3% -2.1% 2.9% 0.9% 2.6% 0.0%
51.2% 2.9% -1.6% 51.2% 2.9% 52.1% 2.6%
37.9% 66.2% 72.6%
33.7% 0.2% -0.7% 34.3% 0.3% 34.7% 0.1%
1.0% 63.5% 66.2% 1.1% 48.1%
58,857 34.0% 12.5% 58,857 34.0% 72,429 47.2%

1.1% 0.1% 0.0% 1.05% 0.1% 1.24% 0.2%
1.05% 0.1% 0.0% 1.05% 0.1% 1.24% 0.2%
18,440 39.7% 17.9% 18,440 39.7% 25,282 69.3%
0.33% 0.1% 0.0% 0.33% 0.1% 0.44% 0.1%
0.33% 0.0% 0.0% 0.33% 0.0% 0.44% 0.1%
40,417 31.5% 10.2% 40,417 31.5% 47,147 37.6%
68.7% -1.3% -1.4% 68.7% -1.3% 65.1% -4.6%
0.75% 0.3% 0.2% 0.0% 0.9% 0.2%

0 -100.0% -100.0% 0 -100.0% 0 -100.0%
(5,003) -1863.6% -63528.8% -4,690 -568.7%
-100.0% -100.0% -100.0%
58,900
31,000
17,500
4,900.00
5,200.00
7,400.00
- 72,400.00
1.4% -100.0%
5,346,682 23.7% 12.0% 5,608,758

199,000 -38.5% 12.9% 201,000
2,836,670 26.6% 8.6% 3,028,260
2,510,012 20.6% 16.0% 2,580,498
199,000 -38.5% 12.9% 201,000
1,703,122 19.6% 10.9% 1,767,788
19.8%
700,990 22.4% 6.9% 700,990 22.4% 737,460 23.8%

379,370 22.6% 9.9% 379,370 22.6% 384,500 22.2%
73,450 15.1% 3.3% 73,450 15.1% 77,240 16.8%
1,153,810 22.0% 7.7% 1,153,810 22.0% 1,199,200 22.8%
505,450 34.1% 7.9% 505,450 34.1% 560,670 36.6%
817,890 33.9% 28.6% 817,890 33.9% 880,880 27.1%
27,980 47.5% 24.4% 27,980 47.5% 29,560 56.7%
259,950 26.7% 9.8% 259,950 26.7% 291,010 36.9%
383,790 20.5% 8.3% 383,790 20.5% 387,970 15.5%
49,250 7.4% 2.2% 49,250 7.4% 51,300 5.2%
288,440 25.8% 20.7% 288,440 25.8% 281,320 25.6%
157,000 7.2% -3.0% 157,000 7.2% 159,060 5.0%
3,643,560 25.7% 12.5% 3,643,560 25.7% 3,840,970 25.0%
31.2% -52.2%
19.2% -0.5% -1.0% 19% -0.5% 19.2% -0.2%

10.4% -0.3% -0.2% 10% -0.3% 10.0% -0.2%
2.0% -0.2% -0.2% 2% -0.2% 2.0% -0.1%
31.7% -1.0% -1.4% 32% -1.0% 31.2% -0.6%
13.9% 0.9% -0.6% 14% 0.9% 14.6% 1.2%
22.4% 1.4% 2.8% 22% 1.4% 22.9% 0.4%
0.8% 0.1% 0.1% 1% 0.1% 0.8% 0.2%
7.1% 0.1% -0.2% 7% 0.1% 7.6% 0.7%
10.5% -0.5% -0.4% 11% -0.5% 10.1% -0.8%
1.4% -0.2% -0.1% 1% -0.2% 1.3% -0.3%
7.9% 0.0% 0.5% 8% 0.0% 7.3% 0.0%
4.3% -0.7% -0.7% 4% -0.7% 4.1% -0.8%
100.0% 0.0% 0.0% 100% 0.0% 100.0% 0.0%
12.6% 12.6% 12.7%
6.8% 6.8% 6.6%
1.3% 1.3% 1.3%
20.8% 20.8% 20.6%
9.1% 9.1% 9.7%
14.7% 14.7% 15.2%
0.5% 0.5% 0.5%
4.7% 4.7% 5.0%
6.9% 6.9% 6.7%
0.9% 0.9% 0.9%
5.2% 5.2% 4.8%
2.8% 2.8% 2.7%
65.7% 65.7% 66.1%
620,520 23.6% 6.2% 620,520 23.6% 660,110 26.5%

192,210 30.9% 9.4% 192,210 30.9% 197,060 28.6%
62,900 16.9% 2.9% 62,900 16.9% 65,320 17.7%
875,630 24.6% 6.6% 875,630 24.6% 922,490 26.3%
500,670 34.6% 7.8% 500,670 34.6% 555,390 37.2%
362,350 43.3% 12.8% 362,350 43.3% 404,460 58.0%
14,610 17.8% 14.9% 14,610 17.8% 14,470 20.0%
259,950 26.7% 9.8% 259,950 26.7% 291,010 36.9%
383,650 20.5% 8.4% 383,650 20.5% 387,830 15.5%
48,000 5.9% 1.9% 48,000 5.9% 49,870 3.8%
282,580 25.8% 20.4% 282,580 25.8% 276,850 26.1%
109,230 1.5% -7.8% 109,230 1.5% 125,890 13.5%
2,836,670 26.6% 8.6% 2,836,670 26.6% 3,028,260 29.9%
21.9% -0.5% -0.5% 21.9% -0.5% 21.8% -0.6%

6.8% 0.2% 0.0% 6.8% 0.2% 6.5% -0.1%
2.2% -0.2% -0.1% 2.2% -0.2% 2.2% -0.2%
30.9% -0.5% -0.6% 30.9% -0.5% 30.5% -0.9%
17.6% 1.1% -0.1% 17.6% 1.1% 18.3% 1.0%
12.8% 1.5% 0.5% 12.8% 1.5% 13.4% 2.4%
0.5% 0.0% 0.0% 0.5% 0.0% 0.5% 0.0%
9.2% 0.0% 0.1% 9.2% 0.0% 9.6% 0.5%
13.5% -0.7% 0.0% 13.5% -0.7% 12.8% -1.6%
1.7% -0.3% -0.1% 1.7% -0.3% 1.6% -0.4%
10.0% -0.1% 1.0% 10.0% -0.1% 9.1%
3.9% -0.9% -0.7% 3.9% -0.9% 4.2% -0.6%
100.0% 0.0% 0.0% 100.0% 0.0% 100.0% 0.0%
11.2% 0.4% -0.6% 11.4%

3.5% 0.3% -0.1% 3.4%
1.1% 0.0% -0.1% 1.1%
15.8% 0.7% -0.8% 15.9%
9.0% 1.0% -0.4% 9.6%
6.5% 1.1% 0.0% 7.0%
0.3% 0.0% 0.0% 0.2%
4.7% 0.3% -0.1% 5.0%
6.9% 0.1% -0.2% 6.7%
0.9% -0.1% -0.1% 0.9%
5.1% 0.3% 0.4% 4.8%
2.0% -0.3% -0.4% 2.2%
51.2% 2.9% -1.6% 52.1%
1,153,810 22.0% 7.7% 1,153,810 22.0% 1,199,200 22.8%

2,489,750 27.5% 14.9% 2,489,750 27.5% 2,641,770 26.1%
1,155,740 30.7% 14.2% 1,155,740 30.7% 1,020,300 34.1%

1,935,790 30.9% 3.7% 1,935,790 30.9% 1,931,050 26.5%
3,344,867 7.9% -3.6% 3,344,867 7.9% 3,762,411 9.1%
30.1% 11.1% 2.3% 28.8% 8.1%
48.0% 5.0% 3.0% 48.00% 5.0% 44.00% 4.1%
48.0% 4.8% 2.7% 48.0% 4.8% 44.0% 4.1%
4,173,307.70 4,168,037.70
99.52% 24.4% -8.7% 91.69% -4.4%
6,391,721 19.4% 4.2% 5,950,319 19.3% 6,575,079 17.4%

730,750 29.3% -2.0% 635,237 29.3% 800,203 31.3%
2,252,594.20 30.1% 1.8% 1,891,745.60 19.9% 2,152,858.05 16.3%
5,248,058 16.5% 6.1% 5,095,811 22.8% 5,677,720 21.4%
8,459,300 21.1% 4.6% 7,863,429 21.0% 8,797,466 20.2%
7,500,652 20.3% 4.7% 6,987,556 22.0% 7,830,578 20.0%
872,435 20.6% 5.4% 810,701 20.4% 918,601 23.3%
0.0% 0.0% 0.0% 0.0%
9.7% -0.6% -0.2% 9.9% -0.6% 9.5% -0.6%
10.30% -0.3% -0.4% 0.0% 10.21% -0.5%

10.3% -0.3% -0.4% 10.2% -0.6% 10.2% -0.5%
7.58% -1.2% 0.3% 0.0% 7.23% -1.0%

7.6% -1.2% 0.3% 8.4% -0.5% 7.2% -1.0%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
5.09% -0.7% -0.3% 0.0% 5.04% -0.6%

5.09% -0.7% -0.3% 5.49% -0.5% 5.04% -0.6%
4.30% 0.0% 0.2% 0.0% 4.40% 0.0%
4.3% 4.1% 4.3%

4.8% 0.0% 0.2% 0.0% 4.8% 0.0%
1.9% -0.1% -0.1% 0.0% 1.8% -0.2%

1.9% 0.0% 0.0% 1.9% 0.0% 1.8% 0.0%
18.3% -0.4% -0.4% 17.9% -0.3% 17.0% -0.4%

18.3% -2.0% 17.0%
12.8% -0.4% -1.0% 12.8% -0.4% 13.6% 0.3%
1.8% -0.5% -0.3% 1.8% -0.5% 2.0% -0.2%

14.6% -0.9% -1.3% 14.6% -0.9% 15.6% 0.1%
6,400,300 9.4% 6,903,700
15.5 16.5% 2.0% 15.2 18.8%
31.35 17.0% 3.2% 30.20 18.7%
15.60 15.00
182
4,715 195 160 4,715 195 4,727 186

12,260 260 173 12,260 260 12,220 207
2,657 2,593
52.0% 52.0%
84,325 (3,230) (6,096) 83,757
-6.7%
12,480
58,857
31,000
17,427
4,900
7,400
5,200
72,429
2.13%
207 208 209 210 211 212 213
7.2% 153,558 19.0% 6.0% 298,418 17.6% 161,566

-8.8% 40,065 4.9% 2.9% 78,994 3.6% 41,003
-14.6% 3,081 -12.1% 6.3% 5,978 1.9% 3,244
3.1% 196,703 15.2% 5.4% 383,390 14.2% 205,813
2.6% 99,182 9.3% 6.7% 192,162 7.9% 102,669
3.5% 97,521 22.0% 4.1% 191,228 21.2% 103,143
2.2% 26,140 24.2% 1.4% 51,921 27.2% 28,721

-16.8% 3,840 30.2% 29.4% 6,808 11.7% 4,262
83.7% 3,559 25.5% 7.4% 6,873 22.6% 2,594
-19.7% 2,520 15.3% -18.8% 5,623 23.3% 3,115
0
2.0% 36,059 24.3% 2.5% 71,225 24.8% 38,692
-2.5% 32,500 24.2% 2.0% 64,352 25.0% 36,098
3.1% 133,580 22.6% 3.7% 262,453 22.2% 141,835

1.9% 130,021 22.5% 3.6% 255,580 22.2% 139,241
-100.0%
6.8% 17,158 3.5% 3.5% 33,733 4.0% 16,913
1.1% 38,243 19.0% 3.1% 75,342 17.8% 40,410
2.8% 55,401 13.8% 3.2% 109,075 13.2% 57,322
3.3% 78,179 29.8% 4.0% 153,378 29.5% 84,513

1.3% 74,620 30.0% 3.8% 146,505 29.8% 81,919
37.4% 10,788 68.4% -19.7% 24,220 64.8% 13,560

-100.0% -100.0% 0 -100.0%
0
3,974 6,037 (450)
0
157.2% -100.0% -100.0% 93 -42.2%
23.5% 14,762 97.1% -5.3% 30,350 87.8% 13,514
-0.9% 63,417 20.2% 6.4% 123,028 20.3% 70,999
2.0% 21,907 20.4% 6.0% 42,580 20.5% 24,573
-2.4% 41,510 20.1% 6.6% 80,448 20.2% 46,426
0
-2.4% 41,510 20.1% 6.6% 80,448 20.2% 46,426
80,449
217.4%
10.4% -100.0% 88,069
4.5% -100.0% 175,923
-8.1% -100.0% 78,574
2.7% -100.0%
9.0% -100.0% 29,716 19.4%

-4.5% -100.0% 21,224 22.5%
-7.2% -100.0% 12,888 76.4%
0.4% 5,168 1.5% 0.4% 5,168 0.8% 5,180

5.4% 954,264 19.2% 1.8% 954,264 7.3% 1,005,446
5.4% 959,432 19.1% 1.8% 959,432 7.2% 1,010,626
4.3% 6,893,459 16.5% 2.7% 6,893,459 7.1% 6,990,264
16.2% 1,015,311 31.8% 18.0% 1,015,311 37.2% 1,038,668
-22.4% 468,172 18.5% 6.4% 468,172 -17.4% 451,236
3.7% 9,336,373 18.4% 4.2% 9,336,373 8.1% 9,490,794
-4.5% 359,415 25.5% -0.7% 359,415 -5.2% 343,855

87.8% 98,876 -44.7% -52.4% 98,876 -10.6% 56,220
0.8% 2,402,790 16.3% 11.2% 2,402,790 12.0% 2,327,236
4.8% 6,048,669 22.3% 4.1% ### 9.1% 6,312,147
6.8% 3,243,480 28.5% 7.1% 3,243,480 14.3% 3,471,681
2.7% 2,805,189 15.9% 0.9% 2,805,189 3.6% 2,840,466
-0.9% 35,329 0.6% -1.7% 35,329 -2.6% 35,025
-10.0% 391,293.80 3.7% 3.0% ### -1439.7% 416,312
3.7% 9,336,373 18.4% 4.2% 9,336,373 8.1% 9,490,794
4.5% 12,942,128 19.2% 3.3% 12,942,128 8.0% 13,302,411
-0.2% 50.4% -2.7% 0.6% 50.1% -2.9% 49.9%

-0.3% 27.0% 0.4% -0.3% 27.1% 0.6% 27.3%
-1.1% 25.0% 0.3% -0.4% 25.2% 0.6% 25.9%
-0.1% 41.5% -3.2% -0.2% 41.6% -3.3% 40.4%
1.1% 31.0% -3.1% 0.1% 30.9% -2.7% 29.5%
0.4% 42.6% -3.3% -0.1% 42.7% -3.4% 41.2%
3.9% 19.8% 6.7% -1.9% 20.7% 6.4% 16.5%
0.4% 87.7% 4.2% 1.2% 87.7% 4.2% 90.3%
133.0% 110.0% 272.2%
1.9% 4.6% -0.2% 0.1% 4.5% -0.3% 3.1%
1.2% 2.7% 0.1% 0.1% 2.7% 0.0% 1.9%
1.0% 53.6% 2.6% 1.5% 53.6% 2.6% 55.0%
90.1% 80.9% 86.6%
1.0% 34.5% 0.0% -0.1% 34.6% 0.1% 34.6%
14.2% 1.00% 60.4% -9.3% 0.9%
23.1% 77,028 52.0% 6.3% 77,028 30.9% 82,349

0.2% 1.26% 0.2% 0.0% 1.26% 0.2% 1.3%
0.2% 1.26% 0.2% 0.0% 1.26% 0.2% 1.29%
37.1% 25,968 74.4% 2.7% 25,968 40.8% 27,737
0.1% 0.43% 0.1% 0.0% 0.43% 0.1% 0.44%
0.1% 0.43% 0.1% 0.0% 0.43% 0.1% 0.44%
16.7% 51,060 42.6% 8.3% 51,060 42.6% 54,612
-3.6% 66.3% -4.3% 1.2% 66.3% -2.4% 66.3%
0.2% 0.73% 0.2% -0.2% 0.0% 0.88%

0 -100.0% 0 0
-100.0% 0 -100.0% -
-100.0% 0.3% 200.0%
72,400 77,000
24,730 -20.2% 45,880
20,130 40,560.00
-100.0%
-100.0%
7,610.00 2.8% 10,400.00
77,000.00 6.4% 82,320.00
-100.0%
5,842,669 26.7% 4.2% 6,312,147

206,000 -37.8% 2.5%
3,243,480 28.5% 7.1% 3,393,650
3,037,480 45.4% 17.7% 3,393,650
206,000 -37.8% 2.5% -
1,710,219 20.3% -3.3% 1,983,587
5.2% 789,990 22.6% 7.1% 789,990 12.7% 825,140

1.4% 403,610 20.3% 5.0% 403,610 6.4% 425,480
5.2% 85,350 19.9% 10.5% 85,350 16.2% 92,240
3.9% 1,278,950 21.7% 6.7% 1,278,950 10.8% 1,342,860
10.9% 613,130 36.2% 9.4% 613,130 21.3% 674,850
7.7% 964,850 46.6% 9.5% 964,850 18.0% 1,008,100
5.6% 32,190 56.9% 8.9% 32,190 15.0% 34,580
11.9% 308,310 44.5% 5.9% 308,310 18.6% 336,220
1.1% 400,290 19.2% 3.2% 400,290 4.3% 381,330
4.2% 52,510 3.1% 2.4% 52,510 6.6% 52,990
-2.5% 317,290 27.5% 12.8% 317,290 10.0% 317,020
1.3% 164,930 1.3% 3.7% 164,930 5.1% 180,610
5.4% 4,132,450 29.5% 7.6% 4,132,450 13.4% 4,328,560
-100.0% 0
-0.04% 19% -1.1% -0.08% 19% -0.1% 19%

-0.40% 9.8% -0.7% -0.24% 10% -0.6% 9.8%
0.00% 2% -0.2% 0.05% 2% 0.0% 2%
-0.45% 31% -2.0% -0.27% 31% -0.7% 31%
0.72% 15% 0.7% 0.24% 15% 1.0% 16%
0.49% 23% 2.7% 0.41% 23% 0.9% 23%
0.00% 1% 0.1% 0.01% 1% 0.0% 1%
0.44% 7% 0.8% -0.12% 7% 0.3% 8%
-0.43% 10% -0.8% -0.41% 10% -0.8% 9%
-0.02% 1% -0.3% -0.06% -1.4% 1%
-0.59% 8%
-0.17% 4% -1.1% -0.15% 4% -0.3% 4%
0.00% 100% 0.0% 0.00% 100% 0.0% 93%
13.1% 13.1%
6.7% 6.7%
1.4% 1.5%
21.1% 21.3%
10.1% 10.7%
16.0% 16.0%
0.5% 0.5%
5.1% 5.3%
6.6% 6.0%
0.9% 0.8%
5.2% 5.0%
2.7% 2.9%
68.3% 68.6%
6.4% 690,530 22.3% 4.6% 730,570

2.5% 202,520 22.0% 2.8% 214,030
3.8% 68,830 18.2% 5.4% 76,910
5.4% 961,880 21.9% 4.3% 1,021,510
10.9% 606,920 35.8% 9.3% 668,170
11.6% 455,280 44.5% 12.6% 469,890
-1.0% 16,040 27.3% 10.9% 16,710
11.9% 308,310 44.5% 5.9% 336,220
1.1% 400,150 19.2% 3.2% 381,290
3.9% 50,680 0.9% 1.6% 50,570
-2.0% 311,040 27.3% 12.3% 310,710
15.3% 133,180 14.0% 5.8% 138,580
6.8% 3,243,480 28.5% 7.1% 3,393,650
-0.08% 21.3% 21.5%

-0.27% 6.2% 6.3%
-0.06% 2.1% 2.3%
-0.41% 29.7% 30.1%
0.69% 18.7% 19.7%
0.58% 14.0% 13.8%
-0.04% 0.5% 0.5%
0.45% 9.5% 9.9%
-0.72% 12.3% 11.2%
-0.05% 1.6% 1.5%
9.6% 9.2%
0.31% 4.1% 4.1%
0.00% 100.0% 100.0%
11.4% 11.6%
3.3% 3.4%
1.1% 1.2%
15.9% 16.2%
10.0% 10.6%
7.5% 7.4%
0.3% 0.3%
5.1% 5.3%
6.6% 6.0%
0.8% 0.8%
5.1% 4.9%
2.2% 2.2%
53.6% 53.8%
3.9% 1,278,950 21.7% 6.7% 1,278,950 10.8% 1,342,860

6.1% 2,853,500 33.3% 8.0% 2,853,500 14.6% 2,985,700
-11.7% 978,250 23.6% -4.1% 978,250 -15.4% 1,012,860

-0.2% 1,976,550 23.6% 2.4% 1,976,550 2.1% 2,058,330
12.5% 3,938,659 11.7% 4.7% 3,938,659 17.8% 3,919,074
-4.4% 28.7% 6.1% -0.3% 28.7% 6.1% 29.4%
-4.0% 42.90% 2.9% -1.1% 42.90% -5.1% 43.90%
-4.1% 42.9% 2.5% -1.1% 42.9% -5.2% 43.9%
4,246,045.00 4,377,818.80
-7.9% 97.16% -8.2% 6.0% 98.96%
2.9% 6,803,610 16.8% 3.5% 6,664,928 17.1% 6,941,862

9.5% 937,714 28.5% 17.2% 877,800 35.0% 1,026,989
-4.4% 2,281,936.55 10.5% 6.0% 2,273,711.90 22.7% 2,365,013.10
8.2% 5,929,214 22.9% 4.4% 5,797,176 20.9% 6,180,408
4.0% 9,146,452 18.5% 4.0% 8,987,388 26.8% 9,413,584
4.4% 8,211,150 19.2% 4.9% 8,070,888 21.4% 8,545,421
5.3% 951,005 21.2% 3.5% 927,028 21.0% 985,029
0.0% 0.0% 0.0% 0.0%
-0.1% 9.6% -0.3% 0.0% 9.5% -0.6% 9.6%
-0.1% 10.36% -0.3% 0.2% 0.0% 10.46%

-0.1% 10.4% -0.3% 0.2% 10.3% -0.3% 10.5%
-0.3% 7.02% -0.4% -0.2% 0.0% 6.93%

-0.3% 7.0% -0.4% -0.2% 6.9% -1.3% 6.9%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
0.0% 5.12% -0.4% 0.1% 0.0% 5.15%

0.0% 5.12% -0.4% 0.1% 5.10% -0.5% 5.15%
0.1% 4.3% 0.1% -0.1% 4.30% 0.1% 4.30%
-0.5% 4.3% 0.1% 4.4%

0.0% 4.8% 0.1% 0.0% 0.0% 4.8%
-0.1% 1.9% -0.1% 0.0% -1.9% 2.0%

-0.1% 1.8% 0.0% 0.0% 1.8% -0.1% 2.0%
-1.3% 17.5% -0.2% 0.5% 17.4% -0.1% 18.9%

-7.3% 17.5% -0.9% 3.0% 18.9%
0.8% 13.3% 0.0% -0.3% 13.3% 0.5% 13.6%
0.2% 1.8% -0.3% -0.2% 1.8% 0.0% 1.9%

1.0% 15.1% -0.3% -0.5% 15.1% 0.5% 15.5%
7.9% 7,384,650 20.6% 7.0% 7,525,130
79.1%
-1.9% 16.1 18.4% 5.9% 17.9
-3.7% 32.19 18.6% 6.6% 36.01
15.90 17.70
185 195
12 4,729 181 2 4,729 14 4,734

(40) 12,259 243 39 12,259 (1) 12,333
2,669 2,672
52.0% 52.0%
86,660
10,000
72,429 77,028
24,700 45,880
20,101 40,560
7,600
77,028 82,349
1.63% 2.91%
214 215 216 217 218 219 220
22.6% 5.2% 459,984 19.3% 166,634 23.4% 3.1%

1.3% 2.3% 119,997 2.8% 42,226 -1.1% 3.0%
-14.8% 5.3% 9,221 -4.7% 4,351 28.2% 34.1%
16.9% 4.6% 589,203 15.1% 213,211 17.7% 3.6%
10.4% 3.5% 294,831 8.8% 106,634 17.7% 3.9%
24.1% 5.8% 294,372 22.2% 106,577 17.7% 3.3%
30.1% 9.9% 80,642 28.2% 33,297 32.0% 15.9%

43.4% 11.0% 11,070 22.1% 4,164 16.7% -2.3%
-34.9% -27.1% 9,467 -1.3% 220 -87.8% -91.5%
29.7% 23.6% 8,738 25.5% 5,045 30.6% 62.0%
0
23.1% 7.3% 109,917 24.2% 42,286 22.7% 9.3%
31.5% 11.1% 100,450 27.3% 42,066 28.8% 16.5%
23.9% 6.2% 404,288 22.8% 148,863 19.1% 5.0%

26.0% 7.1% 394,821 23.5% 148,643 20.6% 6.8%
-100.0%
0.2% -1.4% 50,645 2.7% 17,412 12.1% 3.0%
28.1% 5.7% 115,752 21.2% 43,094 17.4% 6.6%
18.4% 3.5% 166,397 14.9% 60,506 15.9% 5.6%
27.9% 8.1% 237,891 28.9% 88,357 21.4% 4.5%

31.9% 9.8% 228,424 30.6% 88,137 24.2% 7.6%
95.3% 25.7% 37,780 74.6% 11,325 15.8% -16.5%

-100.0% 0 -100.0% -100.0%
0
5,587 1,534
0
-100.0% 93 -67.1% 2,553 6991.7%
88.8% -8.5% 43,460 86.4% 15,411 22.1% 14.0%
20.5% 12.0% 194,431 20.6% 72,946 21.2% 2.7%
21.2% 12.2% 67,153 20.7% 24,953 23.1% 1.5%
20.1% 11.8% 127,278 20.5% 47,993 20.3% 3.4%
0 0
20.1% 11.8% 127,278 20.5% 47,993 20.3% 3.4%
-100.0%
-100.0%
88,069 -100.0%
175,923 -100.0%
78,574 -100.0%
-100.0%
29,716 19.4% -100.0%

21,224 22.5% -100.0%
12,888 76.4% -100.0%
1.4% 0.2% 5,180 1.1% 5,190 1.3% 0.2%

19.0% 5.4% 1,005,446 13.0% 1,057,760 18.9% 5.2%
18.9% 5.3% 1,010,626 13.0% 1,062,950 18.8% 5.2%
10.1% 1.4% 6,990,264 8.6% 7,887,706 22.5% 12.8%
44.0% 2.3% 1,038,668 40.3% 1,231,050 66.3% 18.5%
24.8% -3.6% 451,236 -20.4% 457,637 -19.3% 1.4%
14.6% 1.7% 9,490,794 9.9% 10,639,343 23.2% 12.1%
-31.2% -4.3% 343,855 -9.3% 1,046,705 176.2% 204.4%

37.0% -43.1% 56,220 -49.1% 182,446 65.0% 224.5%
-1.4% -3.1% ### 8.5% 2,422,002 12.9% 4.1%
27.5% 4.4% ### 13.8% 6,583,331 18.7% 4.3%
33.0% 7.0% ### 22.4% 3,752,499 32.3% 8.1%
21.4% 1.3% ### 4.9% 2,830,832 4.5% -0.3%
0.3% -0.9% 35,025 -3.4% 36,072 -0.5% 3.0%
5.9% 6.4% ### -1496.1% 368,787 -12.7% -11.4%
14.6% 1.7% 9,490,794 9.9% 10,639,343 23.2% 12.1%
17.7% 2.8% 13,302,411 11.0% 14,471,037 20.8% 8.8%
-2.9% -0.5% 50.0% -2.9% 50.0% 0.0% 0.1%

-0.2% 0.3% 27.2% 0.3% 28.4% 0.8% 1.1%
1.1% 0.9% 25.4% 0.8% 28.3% 1.8% 2.4%
-1.9% -1.1% 41.2% -2.8% 40.6% -1.1% 0.2%
-5.4% -1.5% 30.4% -3.6% 28.8% -1.0% -0.7%
-2.6% -1.4% 42.1% -3.1% 40.7% -1.7% -0.5%
5.0% -3.3% 19.0% 5.7% 17.5% -0.3% 1.0%
12.3% 2.6% 90.30% 12.3% 83.5% -2.7% -6.8%
138.4% 30.2%
-3.0% -1.5% 4.0% -1.2% 0.2% -2.2% -2.8%
-1.7% -0.9% 2.4% -0.6% 0.1% -1.3% -1.7%
2.3% 1.4% 55.0% 2.3% 57.0% 5.8% 2.0%
82.8% 103.6%
0.2% 0.1% 34.5% 0.0% 34.2% 0.5% -0.4%
51.1% -12.2% 1.0% -0.6% 9.3%
57.4% 6.9% 82,349 39.9% 86,070 46.2% 4.5%

0.2% 0.0% 1.29% 0.2% 1.3% 0.2% 0.0%
0.2% 0.0% 1.29% 0.2% 1.30% 0.2% 0.0%
77.3% 6.8% 27,737 50.4% 26,010 41.1% -6.2%
0.1% 0.0% 0.44% 0.1% 0.40% 0.1% 0.0%
0.1% 0.0% 0.44% 0.1% 0.40% 0.1% 0.0%
48.9% 7.0% 54,612 48.9% 60,060 48.6% 10.0%
-3.8% 0.0% 66.3% -2.4% 69.8% 1.1% 3.5%
0.3% 0.1% 0.0% 0.70% 0.0% -0.2%

-100.0% 0 0
-100.0% 0 -100.0% - -100.0%
-100.0% 0.3% 200.0%
82,320
85.5% 27,900 -39.2%
24,200
8,000.00
8,900.00
36.7% 7,200.00 -30.8%
6.9% 86,020.00 4.5%
-100.0%
6,583,331
3,624,890
2,958,441
-
1,998,901
25.9% 4.4% 825,140 17.7% 859,740 22.6% 4.2%

23.2% 5.4% 425,480 12.2% 459,390 21.1% 8.0%
29.8% 8.1% 92,240 25.6% 96,480 31.4% 4.6%
25.3% 5.0% 1,342,860 16.4% 1,415,610 22.7% 5.4%
44.1% 10.1% 674,850 33.5% 724,420 43.3% 7.3%
58.6% 4.5% 1,008,100 23.3% 1,095,070 33.9% 8.6%
53.8% 7.4% 34,580 23.6% 38,660 38.2% 11.8%
42.0% 9.1% 336,220 29.3% 361,150 38.9% 7.4%
7.7% -4.7% 381,330 -0.6% 362,650 -5.5% -4.9%
10.0% 0.9% 52,990 7.6% 53,990 9.6% 1.9%
32.7% -0.1% 317,020 9.9% 354,970 23.1% 12.0%
11.6% 9.5% 180,610 15.0% 177,910 13.3% -1.5%
33.7% 4.7% 4,328,560 18.8% 4,584,430 25.8% 5.9%
0
-1.2% -0.1% 19% -0.2% 18.8% -0.5% -0.3%

-0.8% 0.1% 10% -0.6% 10.0% -0.4% 0.2%
-0.1% 0.1% 2% 0.1% 2.1% 0.1% 0.0%
-2.1% 0.1% 31% -0.6% 30.9% -0.8% -0.1%
1.1% 0.8% 16% 1.7% 15.8% 1.9% 0.2%
3.7% -0.1% 23% 0.8% 23.9% 1.4% 0.6%
0.1% 0.0% 1% 0.0% 0.8% 0.1% 0.0%
0.5% 0.3% 8% 0.6% 7.9% 0.7% 0.1%
-2.1% -0.9% 9% -1.7% 7.9% -2.6% -0.9%
-0.3% 0.0% 1% -0.1% 1.2% -0.2% 0.0%
7.7%
-0.8% 0.2% 4% -0.1% 3.9% -0.4% -0.3%
-7.3% -7.3% 93% -7.3% 100.0% 0.0% 7.3%
13.1%
7.0%
1.5%
21.5%
11.0%
16.6%
0.6%
5.5%
5.5%
0.8%
5.4%
2.7%
69.6%
25.0% 5.8% 764,270 23.2% 4.6%

21.9% 5.7% 233,910 21.7% 9.3%
25.8% 11.7% 86,720 37.9% 12.8%
24.4% 6.2% 1,084,900 23.9% 6.2%
43.8% 10.1% 718,760 43.6% 7.6%
46.3% 3.2% 541,260 49.4% 15.2%
31.5% 4.2% 18,160 24.3% 8.7%
42.0% 9.1% 361,150 38.9% 7.4%
7.7% -4.7% 362,570 -5.5% -4.9%
7.4% -0.2% 50,650 5.5% 0.2%
32.4% -0.1% 346,710 22.7% 11.6%
17.0% 4.1% 140,730 28.8% 1.6%
30.0% 4.6% 3,624,890 27.8% 6.8%
21.1%
6.5%
2.4%
29.9%
19.8%
14.9%
0.5%
10.0%
10.0%
1.4%
9.6%
3.9%
100.0%
11.6%
3.6%
1.3%
16.5%
10.9%
8.2%
0.3%
5.5%
5.5%
0.8%
5.3%
2.1%
55.1%
25.3% 5.0% 1,342,860 16.4% 1,415,610 22.7% 5.4%

37.8% 4.6% 2,985,700 19.9% 3,168,820 27.3% 6.1%
0.0% 3.5% 1,012,860 -12.4% 1,192,830 3.2% 17.8%

10.3% 4.1% 2,058,330 6.3% 2,238,100 15.6% 8.7%
13.0% -0.5% 3,919,074 17.2% 4,456,776 33.2% 13.7%
0.1% 2.7% 29.4% 0.1% 28.4% -5.7% -3.6%
-1.1% 1.0% 43.90% -4.1% 43.50% -4.5% -0.4%
-1.4% 1.1% 43.9% -4.1% 43.5% -4.5% -0.4%
4,514,394.30
-9.2% 1.9% 104.52% 5.0% 5.6%
13.2% 2.0% 6,713,330 13.7% 7,438,985 16.4% 7.2%

37.7% 9.5% 889,478 42.2% 1,134,859 55.3% 10.5%
6.8% 3.6% 2,235,934.60 11.8% 2,374,619.10 5.4% 0.4%
24.9% 4.2% 5,928,914 23.6% 6,447,739 22.9% 4.3%
16.4% 2.9% 9,064,598 27.9% 10,065,069 19.0% 6.9%
19.3% 4.1% 8,164,849 20.1% 8,822,358 17.6% 3.2%
19.0% 3.6% 952,625 20.8% 1,036,788 18.8% 5.3%
0.0% 0.0% 0.0% 0.0% 0.0%
-0.2% 0.1% 9.6% -0.4% 9.7% 0.0% 0.0%
-0.2% 0.1% 0.0% 10.34% 0.0% -0.1%

-0.2% 0.1% 10.3% -0.4% 10.3% 0.0% -0.1%
-0.4% -0.1% 0.0% 7.11% -0.5% 0.2%

-0.4% -0.1% 7.2% -0.6% 7.1% -0.5% 0.2%
0.0% 0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0% 0.0%
-0.3% 0.0% 5.17% -0.4% 4.97% -0.1% -0.2%

-0.3% 0.0% 5.17% -0.4% 4.97% -0.1% -0.2%
0.2% 0.0% -4.2% 4.30% 0.0% 0.0%
6.6% 2.8% 4.2% -1.1% -3.4%

0.2% 0.1% 0.0% 4.8% 0.0% 0.0%
0.0% 0.1% -2.0% 2.0% 0.1% 0.0%

0.1% 0.2% 1.9% -0.1% 1.9% 0.0% -0.1%
0.2% 1.4% 17.8% 0.0% 18.5% 0.2% -0.3%

1.0% 8.0% 18.5% 1.2% -1.8%
-0.2% 0.3% 13.6% 0.8% 13.2% 0.4% -0.4%
-0.2% 0.1% 1.9% 0.1% 1.6% -0.2% -0.3%

-0.4% 0.4% 15.5% 0.9% 14.8% 0.2% -0.7%
28.6% 1.9% 8,001,260 25.0% 6.3%
17.8% 11.2% 18.5 19.4% 3.4%
18.6% 11.8% 37.22 18.7% 3.4%
18.30
205
179 5 4,734 19 4,787 72 53

246 74 12,333 73 12,635 375 302
2,691
53.0%
88,253
14,510
82,349
27,900
24,179
8,000
7,200
8,900
86,070
1.70%
221 222 223 224 225 226 227
12mFY18 YoY 1Q19 YoY QoQ 2Q19 YoY
626,618 20.4% 173,907 20.1% 4.4% 188,276.80 22.6%

162,224 1.7% 45,893 17.9% 8.7% 50,422.40 25.9%
13,572 3.9% 5,690 96.4% 30.8% 3,296 7.0%
802,414 15.8% 225,490 20.8% 5.8% 241,996 23.0%
401,465 11.0% 117,354 26.2% 10.1% 124,362 25.4%
400,949 21.0% 108,136 15.4% 1.5% 117,634 20.6%
113,939 29.3% 31,710 23.0% -4.8% 32,956 26.1%

15,234 34.7% 4,996 68.3% 20.0% 4,198 9.3%
9,687 -23.3% -2,832 -185.5% -1387.3% -328 -109.2%
13,783 26.3% 4,307 38.8% -14.6% 3,330 32.1%
152,203 23.8% 38,181 8.6% -9.7% 40,156 11.4%

142,516 29.2% 41,013 28.8% -2.5% 40,484 24.6%
553,152 21.7% 146,316 13.5% -1.7% 157,790 18.1%

543,465 23.0% 149,148 18.8% 0.3% 158,118 21.6%
68,057 5.0% 18,105 9.2% 4.0% 19,092 11.3%

158,846 20.2% 41,734 12.5% -3.2% 43,898 14.8%
226,904 15.2% 59,839 11.5% -1.1% 62,991 13.7%
326,248 26.8% 86,478 15.0% -2.1% 94,800 21.3%

316,561 29.4% 89,310 24.2% 1.3% 95,128 27.5%
49,105 56.3% 14,322 6.6% 26.5% 15,725 45.8%

0 -100.0%
0
7,121 1,832 2,475
0
2,646 734.3% 139.7 50.9% -94.5% (0.4)
59,275 65.0% 16,294 4.5% 5.7% 18,200 23.3%
266,973 20.6% 70,184 17.7% -3.8% 76,600 20.8%
92,106 21.4% 24,169 16.9% -3.1% 26,543 21.2%
174,868 20.2% 46,014 18.2% -4.1% 50,057 20.6%
0 0
174,868 20.2% 46,014 18.2% -4.1% 50,057 20.6%
-100.0%
-100.0%
88,069 10.4% -100.0%
175,923 4.5% -100.0%
78,574 -8.1% -100.0%
-100.0%
29,716 -43.0% -100.0%

21,224 -46.3% -100.0%
12,888 -39.2% -100.0%
5,190 1.3% 5,208 1.2% 0.3% 5,434 5.2%

1,057,760 18.9% 1,071,492 14.3% 1.3% 1,366,886 43.2%
1,062,950 18.8% 1,076,701 14.2% 1.3% 1,372,321 43.0%
7,887,706 22.5% 8,057,853 20.0% 2.2% 8,333,641 20.9%
1,231,050 66.3% 1,210,243 40.7% -1.7% 1,427,186 40.6%
457,637 -19.3% 459,294 4.4% 0.4% 565,831 20.9%
10,639,343 23.2% 10,804,091 20.6% 1.5% 11,698,979 25.3%
1,046,705 176.2% 395,888 9.3% -62.2% 507,435 41.2%

182,446 65.0% 119,051 -42.7% -34.7% 137,328 38.9%
2,422,002 12.9% 2,756,787 27.6% 13.8% 3,000,859 24.9%
6,583,331 18.7% 7,086,487 22.0% 7.6% 7,508,381 24.1%
3,752,499 32.3% 3,804,720 25.6% 1.4% 4,014,990 23.8%
2,830,832 4.5% 3,281,767 18.0% 15.9% 3,493,391 24.5%
36,072 -0.5% 35,762 -0.5% -0.9% 38,058 7.7%
368,787 -12.7% 410,117 7.9% 11.2% 506,918 29.5%
10,639,343 23.2% 10,804,091 20.6% 1.5% 11,698,979 25.3%
14,471,037 20.8% 15,144,340 20.9% 4.7% 15,842,022 22.4%
50.0% -2.2% 52.0% 2.2% 2.0% 51.4% 1.0%

27.5% 0.5% 26.1% -1.2% -2.3% 25.4% -1.5%
26.2% 1.2% 27.5% 2.1% -0.8% 25.6% 0.6%
41.0% -2.3% 40.9% -0.8% 0.3% 39.9% -1.6%
30.0% -2.9% 30.3% -0.6% 1.5% 30.3% -0.7%
41.8% -2.9% 40.1% -2.6% -0.6% 39.8% -2.8%
18.7% 4.0% 18.2% -3.4% 0.8% 19.1% -0.7%
83.46% -2.7% 87.9% 1.4% 4.5% 90.1% 2.4%
71.5% 295.7% 153.0%
3.0% -1.9% -3.3% -7.7% -3.5% -0.3% -4.9%
1.8% -1.1% -1.9% -4.5% -2.0% -0.2% -2.9%
57.0% 5.8% 53.7% 1.6% -3.3% 53.5% -0.1%
88.3% 10.4% 49.8%
34.5% 0.2% 34.4% -0.2% 0.2% 34.7% 0.1%
1.0% -13.2% -0.3% 1.0% 0.2%
86,070 46.2% 95,386 31.7% 10.8% 100,977 31.1%

1.30% 0.2% 1.33% 0.1% 0.0% 1.3% 0.1%
1.30% 0.2% 1.33% 0.1% 0.0% 1.33% 0.1%
26,010 41.1% 29,071 15.0% 11.8% 30,282 16.6%
0.40% 0.1% 0.41% 0.0% 0.0% 0.40% 0.0%
0.40% 0.1% 0.41% 0.0% 0.0% 0.40% 0.0%
60,060 48.6% 66,315 40.7% 10.4% 70,695 38.5%
69.8% 1.1% 69.5% 4.4% -0.3% 70.0% 3.7%
0.0% 0.8% -0.1% 0.1% 0.86% 0.1%

0 0 0
0 -100.0%
95,386
35,480 14.5% 27.2% 32,840 32.8%
27,250
-100.0% -100.0% 6,600.00
-100.0% -100.0% 8,850.00
-100.0% -100.0% 11,790.00 54.9%
- -100.0% -100.0% 100,976.20 31.1%
7,086,487 26.3% 7.6% 7,283,130 24.7%

-100.0% 225,251 9.3%
3,804,720 25.6% 5.0% 4,014,990 23.8%
3,281,767 27.2% 10.9% 3,268,140 7.6%
- -100.0% 225,251 9.3%
2,286,907 29.4% 14.4% 2,185,890 27.8%
859,740 22.6% 883,200 19.8% 2.7% 919,200 16.4%

459,390 21.1% 471,670 22.7% 2.7% 495,480 22.8%
96,480 31.4% 103,240 33.7% 7.0% 112,900 32.3%
1,415,610 22.7% 1,458,110 21.6% 3.0% 1,527,580 19.4%
724,420 43.3% 785,420 40.1% 8.4% 841,450 37.2%
1,095,070 33.9% 1,095,510 24.4% 0.0% 1,170,390 21.3%
38,660 38.2% 35,520 20.2% -8.1% 35,800 11.2%
361,150 38.9% 387,920 33.3% 7.4% 405,350 31.5%
362,650 -5.5% 440,360 13.5% 21.4% 478,750 19.6%
53,990 9.6% 55,290 7.8% 2.4% 57,010 8.6%
354,970 23.1% 337,830 20.1% -4.8% 370,680 16.8%
177,910 13.3% 203,620 28.0% 14.5% 210,230 27.5%
4,584,430 25.8% 4,799,580 25.0% 4.7% 5,097,240 23.3%
30.4% -2.7%
19% -0.5% 18.4% -0.8% -0.35% 18.0% -1.1%

10% -0.4% 9.8% -0.2% -0.19% 9.7% 0.0%
2% 0.1% 2.2% 0.1% 0.05% 2.2% 0.1%
31% -0.8% 30.4% -0.8% -0.50% 30.0% -1.0%
16% 1.9% 16.4% 1.8% 0.56% 16.5% 1.7%
24% 1.4% 22.8% -0.1% -1.06% 23.0% -0.4%
1% 0.1% 0.7% 0.0% -0.10% 0.7% -0.1%
8% 0.7% 8.1% 0.5% 0.20% 8.0% 0.5%
8% -2.6% 9.2% -0.9% 1.26% 9.4% -0.3%
1% -0.2% 1.2% -0.2% -0.03% 1.1% -0.2%
7.0% 7.3%
4% -0.4% 4.2% 0.1% 0.36% 4.1% 0.1%
100% 0.0% 100.0% 0.0% 0.00% 100.0% 0.0%
12.5% 12.2%
6.7% 6.6%
1.5% 1.5%
20.6% 20.3%
11.1% 11.2%
15.5% 15.6%
0.5% 0.5%
5.5% 5.4%
6.2% 6.4%
0.8% 0.8%
4.8% 4.9%
2.9% 2.8%
67.7% 67.9%
776,590 803,360
248,520 255,080
92,270 96,890
1,117,380 1,155,330
778,680 834,260
520,500 541,800
17,480 18,240
384,580 405,350
440,210 478,610
51,160 51,930
331,420 360,960
163,310 168,510
3,804,720 4,014,990
20.4% 20.0%
6.5% 6.4%
2.4% 2.4%
29.4% 28.8%
20.5% 20.8%
13.7% 13.5%
0.5% 0.5%
10.1% 10.1%
11.6% 11.9%
1.3% 1.3%
8.7% 9.0%
4.3% 4.2%
100.0% 100.0%
11.0% 10.7%
3.5% 3.4%
1.3% 1.3%
15.8% 15.4%
11.0% 11.1%
7.3% 7.2%
0.2% 0.2%
5.4% 5.4%
6.2% 6.4%
0.7% 0.7%
4.7% 4.8%
2.3% 2.2%
53.7% 53.5%
1,415,610 22.7% 1,458,110 21.6% 3.0% 1,527,580 19.4%

3,168,820 27.3% 3,341,470 26.5% 5.4% 3,569,660 25.1%
1,192,830 3.2% 1,092,970 7.1% -8.4% 1,151,310 17.7%

2,238,100 15.6% 2,266,560 17.4% 1.3% 2,345,680 18.7%
4,456,776 33.2% 4,698,323 24.9% 5.4% 4,836,651 22.8%
28.1% -2.2% -0.9% 28.1% -1.8%
43.50% -4.5% 41.70% -2.3% -1.8% 42.00% -0.9%
43.5% -4.5% 41.7% -2.3% -1.8% 42.0% -0.9%
4,765,756.50 5,020,454.00
111.63% 21.7% 6.8% 118.09% 21.5%
7,162,052 20.4% 7,972,780 21.3% 7.2% 8,195,747 20.5%

985,669 55.2% 1,220,646 52.5% 7.6% 1,318,714 40.6%
2,283,317.90 20.7% 2,589,394.45 20.3% 9.0% 2,878,822.55 26.2%
6,064,506 19.0% 6,834,909 20.4% 6.0% 7,297,434 23.1%
9,638,873 22.6% 10,721,717 21.9% 6.5% 11,251,535 23.0%
8,347,824 19.5% 9,424,303 20.4% 6.8% 10,176,257 23.9%
978,787 20.7% 1,069,826 16.5% 3.2% 1,224,511 28.8%
0.0% 0.0% 0.0% 0.0%
9.6% -0.3% 9.6% 0.0% -0.1% 9.5% -0.1%
0.0% 10.18% 0.0% -0.2% 10.32% 0.0%

10.3% 0.1% 10.2% 0.0% -0.2% 10.3% 0.0%
0.0% 7.09% -0.1% 0.0% 7.01% 0.0%

7.1% -1.3% 7.1% -0.1% 0.0% 7.0% 0.0%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
0.0% 5.11% 0.1% 0.1% 5.23% 0.1%

4.93% -0.6% 5.11% 0.1% 0.1% 5.23% 0.1%
0.0% 4.20% -0.2% -0.1% 4.30% 0.0%
4.0% -5.3% -4.8% 4.2% -0.1%

0.0% 4.6% -0.2% -0.2% 4.6% -0.1%
0.0% 1.8% -0.1% -0.2% 1.8% 0.0%

1.8% 0.0% 1.7% -0.1% -0.2% 1.8% 0.0%
17.9% -0.1% 17.2% 0.2% -1.3% 16.4% -1.1%

17.2% 1.5% -7.1% 16.4% -6.3%
13.2% 0.4% 13.1% -0.5% -0.1% 15.6% 2.3%
1.6% -0.2% 1.5% -0.5% -0.1% 1.5% -0.3%

14.8% 0.2% 14.6% -1.0% -0.2% 17.1% 2.0%
8,448,940 22.4% 5.6% 8,864,890 20.0%
78.2% 75.8%
67.80 8.9 -41.4% -51.9% 9.4 -41.6%
34.61 14.6% -7.0% 37.65 16.9%
66.80 17.50 9.30
198 252
4,787 72 4,804 77 17 4,825 96

12,635 375 12,808 588 173 13,018 759
2,691 2,666 2,718
53.0% 53.0%
88,253 89,550 94,907
14,510 14,510
86,070 95,386
35,480 32,850
26,164 27,259
6,600
11,790
8,850
95,386 100,977
2.00% 1.75%
228 229 230 231 232 233 234
QoQ 1H19 YoY 3Q19 YoY QoQ 9mFY19
8.3% 362,184 21.4% 203,063 25.7% 7.9% 565,247

9.9% 96,315 21.9% 53,190 29.7% 5.5% 149,505
-42.1% 8,986 50.3% 2,650 -18.3% -19.6% 11,636
7.3% 467,485 21.9% 258,903 25.8% 7.0% 726,388
6.0% 241,716 25.8% 133,135 29.7% 7.1% 374,851
8.8% 225,770 18.1% 125,768 21.9% 6.9% 351,537
74%
3.9% 64,666 24.5% 36,468 27.0% 10.7% 101,134
-16.0% 9,194 35.0% 3,977 -6.7% -5.3% 13,171
-88.4% (3,160) -146.0% 4,740 82.7% -1545.1% 1,580
-22.7% 7,637 35.8% 4,026 29.3% 20.9% 11,663
0 0
0 0
5.2% 78,337 10.0% 49,210 27.2% 22.5% 127,548
-1.3% 81,497 26.6% 44,470 23.2% 9.8% 125,968
7.8% 304,107 15.9% 174,978 23.4% 10.9% 479,085

6.0% 307,267 20.2% 170,238 22.3% 7.7% 477,505
5.5% 37,197 10.3% 19,676 16.3% 3.1% 56,874

5.2% 85,632 13.7% 47,517 17.6% 8.2% 133,149
5.3% 122,829 12.6% 67,193 17.2% 6.7% 190,023
9.6% 181,278 18.2% 107,784 27.5% 13.7% 289,063

6.5% 184,438 25.9% 103,044 25.8% 8.3% 287,483
9.8% 30,047 24.1% 17,346 27.9% 10.3% 47,393

0 0
0 0
4,307 4,769 9,076
0 0
-100.3% 139 50.4% 0.3 -175.0% 140
11.7% 34,493 13.7% 22,115 63.6% 21.5% 56,609
9.1% 146,784 19.3% 85,669 20.7% 11.8% 232,454
9.8% 50,712 19.1% 29,810 21.3% 12.3% 80,522
8.8% 96,072 19.4% 55,859 20.3% 11.6% 151,932
0 0
8.8% 96,072 19.4% 55,859 20.3% 11.6% 151,932
0 -100.0% 0
0 -100.0% 0
0 -100.0% 0
0 -100.0% 0
0 -100.0% 0
0 -100.0% 0
4.3% 5,434 4.7% 5,439 5.0% 0.1% 5,439

27.6% 1,366,886 29.2% 1,424,237 41.7% 4.2% 1,424,237
27.5% 1,372,321 29.1% 1,429,676 41.5% 4.2% 1,429,676
3.4% 8,333,641 5.7% 8,525,019 22.0% 2.3% 8,525,019
17.9% 1,427,186 15.9% 1,234,598 18.9% -13.5% 1,234,598
23.2% 565,831 23.6% 496,270 10.0% -12.3% 496,270
8.3% 11,698,979 10.0% 11,685,563 23.1% -0.1% 11,685,563
28.2% 507,435 -51.5% 490,649 42.7% -3.3% 490,649

15.4% 137,328 -24.7% 76,496 36.1% -44.3% 76,496
8.9% 3,000,859 23.9% 2,797,532 20.2% -6.8% ###
6.0% 7,508,381 14.1% 7,809,512 23.7% 4.0% ###
5.5% 4,014,990 7.0% 4,209,000 21.2% 4.8% ###
6.4% 3,493,391 23.4% 3,600,512 26.8% 3.1% ###
6.4% 38,058 5.5% 38,603 10.2% 1.4% 38,603
23.6% 506,918 37.5% 472,771 13.6% -6.7% 472,771
8.3% -100.0% 11,685,563 23.1% -0.1%
4.6% 15,842,022 9.5% 16,334,531 22.8% 3.1% 16,334,531
-0.7% 51.7% 1.6% 51.4% 1.5% 0.0% 51.6%

-0.6% 25.8% -1.4% 28.1% 0.8% 2.7% 26.6%
-1.9% 26.5% 1.3% 26.1% 0.2% 0.5% 26.4%
-1.0% 40.4% -1.2% 38.4% -2.0% -1.5% 39.7%
0.1% 30.3% -0.6% 29.3% -0.2% -1.0% 29.9%
-0.3% 40.0% -2.7% 39.5% -1.7% -0.4% 39.8%
0.9% 18.7% -2.0% 21.5% 5.0% 2.3% 19.7%
2.2% 90.1% 2.4% 91.6% 1.3% 1.5% 91.61%
207.4% 157.3% 192.4%
2.9% -1.7% -6.2% 4.4% 1.3% 4.7% 0.5%
1.7% -1.0% -3.7% 2.8% 0.9% 3.0% 0.3%
-0.2% 53.5% -0.1% 53.9% -1.1% 0.4% 53.9%
28.4% 64.4% 37.2%
0.2% 34.5% -0.1% 34.8% 0.2% 0.1% 34.6%
4.6% 1.16% 32.1% 15.8%
5.9% 100,977 17.3% 109,029 32.4% 8.0% 109,029

0.0% 1.33% 0.0% 1.4% 0.1% 0.1% 1.38%
0.0% 1.33% 0.0% 1.38% 0.1% 0.1% 1.38%
4.2% 30,282 16.4% 33,015 19.0% 9.0% 33,015
0.0% 0.40% 0.0% 0.42% 0.0% 0.0% 0.42%
0.0% 0.40% 0.0% 0.42% 0.0% 0.0% 0.42%
6.6% 70,695 38.5% 76,013 39.2% 7.5% 76,013
0.5% 70.0% 0.2% 69.7% 3.4% -0.3% 69.7%
0.0% 0.0% 0.91% 0.0% 0.0%

0 0 0
0 - 0
0.3% 0.0% 0.3%
-7.4% 40,000 -12.8% 21.8%
-100.0%
-100.0%
-100.0% -100.0%
-100.0% -100.0%
2.8% 7,575,226
234,285
5.5% 4,209,000
-0.4% 3,366,226
234,285
-4.4% 2,256,666
4.1% 919,200 6.9% 930,230 12.7% 1.2% 930,230

5.0% 495,480 7.9% 528,800 24.3% 6.7% 528,800
9.4% 112,900 17.0% 113,690 23.3% 0.7% 113,690
4.8% 1,527,580 7.9% 1,572,720 17.1% 3.0% 1,572,720
7.1% 841,450 16.2% 895,500 32.7% 6.4% 895,500
6.8% 1,170,390 6.9% 1,204,290 19.5% 2.9% 1,204,290
0.8% 35,800 -7.4% 34,550 -0.1% -3.5% 34,550
4.5% 405,350 12.2% 448,390 33.4% 10.6% 448,390
8.7% 478,750 32.0% 517,990 35.8% 8.2% 517,990
3.1% 57,010 5.6% 57,600 8.7% 1.0% 57,600
9.7% 370,680 4.4% 363,490 14.7% -1.9% 363,490
3.2% 210,230 18.2% 224,030 24.0% 6.6% 224,030
6.2% 5,097,240 11.2% 5,318,560 22.9% 4.3% 5,318,560
-100.0% 0 0
-0.37% 18% -0.7% 17% -1.6% -0.5% 17%

-0.11% 10% -0.3% 9.9% 0.1% 0.2% 10%
0.06% 2% 0.1% 2% 0.0% -0.1% 2%
-0.41% 30% -0.9% 30% -1.5% -0.4% 30%
0.14% 17% 0.7% 17% 1.2% 0.3% 17%
0.14% 23% -0.9% 23% -0.6% -0.3% 23%
-0.04% 1% -0.1% 1% -0.1% -0.1% 1%
-0.13% 8% 0.1% 8% 0.7% 0.5% 8%
0.22% 9% 1.5% 10% 0.9% 0.3% 10%
-0.03% -1.2% 1% -0.1% 0.0% 1%
-0.12% 4% 0.2% 4% 0.0% 0.1% 4%

0.00% 100% 0.0% 93% 0.5% -6.8% 93%
11.9% -1.2% -0.3%
6.8% 0.0% 0.2%
1.5% 0.0% 0.0%
20.1% -1.1% -0.2%
11.5% 0.8% 0.3%
15.4% -0.5% -0.2%
0.4% -0.1% 0.0%
5.7% 0.4% 0.3%
6.6% 0.6% 0.3%
0.7% -0.1% 0.0%
4.7% -0.4% -0.3%
2.9% 0.0% 0.1%
68.1% -0.5% 0.2%
830,120 13.6% 3.3%

271,660 26.9% 6.5%
100,950 31.3% 4.2%
1,202,730 17.7% 4.1%
888,030 32.9% 6.4%
557,060 18.6% 2.8%
17,880 7.0% -2.0%
448,390 33.4% 10.6%
517,860 35.8% 8.2%
51,610 2.1% -0.6%
351,370 13.1% -2.7%
174,070 25.6% 3.3%
4,209,000 24.0% 4.8%
19.7% -1.8% -0.3%

6.5% 0.1% 0.1%
2.4% 0.1% 0.0%
28.6% -1.5% -0.2%
21.1% 1.4% 0.3%
13.2% -0.6% -0.3%
0.4% -0.1% 0.0%
10.7% 0.7% 0.6%
12.3% 1.1% 0.4%
1.2% -0.3% -0.1%
8.3% -0.8% -0.6%
4.1% 0.1% -0.1%
100.0% 0.0% 0.0%
10.6% -0.9% -0.1%

3.5% 0.1% 0.1%
1.3% 0.1% 0.0%
15.4% -0.8% 0.0%
11.4% 0.8% 0.3%
7.1% -0.3% -0.1%
0.2% 0.0% 0.0%
5.7% 0.4% 0.3%
6.6% 0.6% 0.3%
0.7% -0.1% 0.0%
4.5% -0.4% -0.3%
2.2% 0.0% 0.0%
53.9% 0.1% 0.4%
4.8% 1,527,580 7.9% 1,572,720 17.1% 3.0% 1,572,720

6.8% 3,569,660 12.6% 3,745,840 25.5% 4.9% 3,745,840
5.3% 1,151,310 -3.5% 1,119,050 10.5% -2.8% 1,119,050

3.5% 2,345,680 4.8% 2,351,790 14.3% 0.3% 2,351,790
2.9% 4,836,651 8.5% 5,054,179 29.0% 4.5% 5,054,179
0.1% 28.1% -1.8% 27.6% -6.3% -2.0% 27.6%
0.3% 42.00% -1.5% 40.70% -3.2% -1.3% 40.70%
0.3% 42.0% -1.5% 40.7% -3.2% -1.2% 40.7%
5,202,686.60
5.8% 126.10% 27.4% 6.8%
2.8% 8,110,674 21.7% 8,429,330 21.4% 2.9% 8,206,363

8.0% 1,329,118 51.4% 1,330,892 29.6% 0.9% 1,232,824
11.2% 2,711,430.50 19.3% 2,899,195.35 22.6% 0.7% 2,609,767.25
6.8% 7,045,856 21.5% 7,658,946 23.9% 5.0% 7,196,421
4.9% 10,639,343 18.4% 11,692,271 24.2% 3.9% 10,639,343
8.0% 9,757,286 20.9% 10,558,142 23.6% 3.8% 9,806,189
14.5% 1,217,636 31.3% 1,400,998 42.2% 14.4% 1,246,313
0.0% 0.0% 0.0% 0.0%
-0.1% 9.6% 0.1% 9.8% 0.2% 0.3% 9.9%
0.1% 0.0% 10.61% 0.1% 0.3%

0.1% 10.3% 0.0% 10.6% 0.1% 0.3% 10.5%
-0.1% 0.0% 7.34% 0.4% 0.3%

-0.1% 7.1% 0.2% 7.3% 0.4% 0.3% 7.6%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
0.1% 0.0% 5.46% 0.3% 0.2% 5.29%

0.1% 5.12% 0.0% 5.46% 0.3% 0.2% 5.29%
0.1% 4.30% 0.0% 4.30% 0.0% 0.0% 4.20%
0.15% 4.3% -1.8% 2.9%

0.0% 0.0% 4.8% -0.1% 0.1%
0.1% 0.0% 2.0% 0.0% 0.1%

0.1% 1.8% 0.0% 1.9% -0.1% 0.1% 1.9%
-0.9% 15.8% -1.6% 15.9% -2.9% -0.4% 16.3%

-5.0% 15.9% -15.4% -2.5%
2.5% 15.6% 2.4% 15.8% 2.2% 0.2% 15.8%
0.0% 1.5% -0.1% 1.5% -0.4% 0.0% 1.5%

2.5% 17.1% 2.3% 17.3% 1.8% 0.2% 17.3%
4.9% 9,082,450 20.7% 2.5%
5.6% 18.06 10.3 -42.5% 9.6% 9.52
8.8% 36.13 42.01 16.7% 11.6% 38.09
20.40
262
21 4,825 38 4,963 229 138 4,963

210 13,018 383 13,160 827 142 13,160
2,727
53.0%
96,425
14,510
100,977
40,000
31,948
109,029
2.05%
235 236 237 238 239 240
YoY 4Q19 YoY QoQ 12mFY19 YoY
22.9% 210,195 26.1% 3.5% 775,442 23.8%

24.6% 50,469 19.5% -5.1% 199,975 23.3%
26.2% 2,668 -38.7% 0.7% 14,304 5.4%
23.3% 263,333 23.5% 1.7% 989,721 23.3%
27.1% 132,438 24.2% -0.5% 507,288 26.4%
19.4% 130,895 22.8% 4.1% 482,432 20.3%
-100.0%
25.4% 36,921 10.9% 1.2% 138,055 21.2%
19.0% 4,033 -3.1% 1.4% 17,204 12.9%
-83.3% 2,289 940.5% -51.7% 3,869 -60.1%
33.5% 5,469 8.4% 35.8% 17,132 24.3%
16.0% 48,712 15.2% -1.0% 176,260 15.8%

25.4% 46,423 10.4% 4.4% 172,391 21.0%
18.5% 179,607 20.7% 2.6% 658,692 19.1%

20.9% 177,318 19.3% 4.2% 654,823 20.5%
12.3% 20,744 19.1% 5.4% 77,618 14.0%

15.0% 50,427 17.0% 6.1% 183,576 15.6%
14.2% 71,171 17.6% 5.9% 261,194 15.1%
21.5% 108,436 22.7% 0.6% 397,499 21.8%

25.9% 106,147 20.4% 3.0% 393,630 24.3%
25.4% 14,312 26.4% -17.5% 61,705 25.7%

0
0
2,669 11,745
0
50.8% 1,912 -25.1% 637233.3% 2,052 -22.5%
30.3% 18,892 22.6% -14.6% 75,502 27.4%
19.6% 89,544 22.8% 4.5% 321,997 20.6%
19.9% 30,693 23.0% 3.0% 111,215 20.7%
19.4% 58,851 22.6% 5.4% 210,782 20.5%
0 0
19.4% 58,851 22.6% 5.4% 210,782 20.5%
-100.0% 0 -100.0%
-100.0% 0 -100.0%
-100.0% 0 -100.0%
-100.0% 0 -100.0%
-100.0% 0 -100.0%
-100.0% 0 -100.0%
4.8% 5,447 4.9% 0.1% 5,447 4.9%

34.6% 1,486,617 40.5% 4.4% 1,486,617 40.5%
34.5% 1,492,063 40.4% 4.4% 1,492,063 40.4%
8.1% 9,231,409 17.0% 8.3% 9,231,409 17.0%
0.3% 1,170,851 -4.9% -5.2% 1,170,851 -4.9%
8.4% 551,083 20.4% 11.0% 551,083 20.4%
9.8% 12,445,407 17.0% 6.5% 12,445,407 17.0%
-53.1% 467,636 -55.3% -4.7% 467,636 -55.3%

-58.1% 345,840 89.6% 352.1% 345,840 89.6%
15.5% 2,905,879 20.0% 3.9% 2,905,879 20.0%
18.6% 8,194,012 24.5% 4.9% 8,194,012 24.5%
12.2% 4,313,580 15.0% 2.5% 4,313,580 15.0%
27.2% 3,880,432 37.1% 7.8% 3,880,432 37.1%
7.0% 40,300 11.7% 4.4% 40,300 11.7%
28.2% 491,740 33.3% 4.0% 491,740 33.3%
-100.0% 12,445,407 17.0% 6.5% 12,445,407 17.0%
12.9% 17,425,422 20.4% 6.7% 17,425,422 20.4%
1.6% 50.3% 0.3% -1.1% 51.3% 1.2%

-0.6% 27.1% -1.3% -1.0% 26.8% -0.8%
0.9% 26.2% -2.1% 0.1% 26.3% 0.1%
-1.5% 39.6% -1.0% 1.2% 39.7% -1.4%
-0.5% 29.1% 0.4% -0.1% 29.7% -0.3%
-2.4% 40.1% -0.6% 0.7% 39.9% -1.9%
0.7% 17.8% 0.3% -3.7% 19.2% 0.5%
1.3% 88.8% 5.3% -2.8% 88.76% 5.3%
54.4% 119.9%
-3.4% 2.1% 1.9% -2.3% 1.0% -2.0%
-2.1% 1.3% 1.1% -1.5% 0.6% -1.2%
-1.1% 52.6% -4.4% -1.3% 52.6% -4.4%
27.2% 34.8%
0.1% 34.3% 0.1% -0.5% 34.5% 0.0%
0.9% -1.2% -18.2%
26.7% 112,242 30.4% 2.9% 112,242 30.4%

0.1% 1.4% 0.1% 0.0% 1.36% 0.1%
0.1% 1.36% 0.1% 0.0% 1.36% 0.1%
26.9% 32,145 23.6% -2.6% 32,145 23.6%
0.0% 0.39% 0.0% 0.0% 0.39% 0.0%
0.0% 0.39% 0.0% 0.0% 0.39% 0.0%
39.2% 80,096 33.4% 5.4% 80,096 33.4%
-0.1% 71.4% 1.6% 1.6% 71.4% 1.6%
0.0% 0.72% 0.0% -0.2% 0.0%

0 0
- 0
0.0%
109,029
35,770 28.2% -10.6%
33,000
10,000.00 25.0%
12,000.00 34.8%
11,000.00 52.8%
111,798.60 30.0% -
7,948,192 20.7% 4.9%

245,820 4.9%
4,313,580 19.0% 2.5%
3,634,612 22.9% 8.0%
245,820 4.9%
2,473,452 23.7% 9.6%
8.2% 913,830 6.3% -1.8% 913,830 6.3%

15.1% 554,290 20.7% 4.8% 554,290 20.7%
17.8% 112,710 16.8% -0.9% 112,710 16.8%
11.1% 1,580,830 11.7% 0.5% 1,580,830 11.7%
23.6% 938,060 29.5% 4.8% 938,060 29.5%
10.0% 1,250,140 14.2% 3.8% 1,250,140 14.2%
-10.6% 35,980 -6.9% 4.1% 35,980 -6.9%
24.2% 466,300 29.1% 4.0% 466,300 29.1%
42.8% 513,720 41.7% -0.8% 513,720 41.7%
6.7% 58,380 8.1% 1.4% 58,380 8.1%
2.4% 403,620 13.7% 11.0% 403,620 13.7%
25.9% 227,710 28.0% 1.6% 227,710 28.0%
16.0% 5,474,740 19.4% 2.9% 5,474,740 19.4%
-1.3% 16.7% -2.1% -0.8% 17% -2.1%

-0.1% 10.1% 0.1% 0.2% 10% 0.1%
0.0% 2.1% 0.0% -0.1% 2% 0.0%
-1.3% 28.9% -2.0% -0.7% 29% -2.0%
1.0% 17.1% 1.3% 0.3% 17% 1.3%
-1.2% 22.8% -1.1% 0.2% 23% -1.1%
-0.2% 0.7% -0.2% 0.0% 1% -0.2%
0.6% 8.5% 0.6% 0.1% 9% 0.6%
1.8% 9.4% 1.5% -0.4% 9% 1.5%
-0.1% 1.1% -0.1% 0.0% 1% -0.1%
7.4%
0.3% 4.2% 0.3% -0.1% 4% 0.3%
-6.8% 100.0% 0.0% 6.8% 100% 0.0%
11.2% -1.9% -0.8%
6.8% -0.2% 0.0%
1.4% -0.1% -0.1%
19.3% -2.2% -0.8%
11.4% 0.4% 0.0%
15.3% -1.4% -0.2%
0.4% -0.1% 0.0%
5.7% 0.2% -0.1%
6.3% 0.8% -0.4%
0.7% -0.1% 0.0%
4.9% -0.5% 0.3%
2.8% 0.1% -0.1%
66.8% -2.8% -1.3%
806,750 5.6% -2.8%

287,300 22.8% 5.8%
100,470 15.9% -0.5%
1,194,520 10.1% -0.7%
929,780 29.4% 4.7%
570,350 5.4% 2.4%
18,810 3.6% 5.2%
466,300 29.1% 4.0%
513,590 41.7% -0.8%
51,870 2.4% 0.5%
387,230 11.7% 10.2%
181,130 28.7% 4.1%
4,313,580 19.0% 2.5%
18.7% -2.4% -1.0%

6.7% 0.2% 0.2%
2.3% -0.1% -0.1%
27.7% -2.2% -0.9%
21.6% 1.7% 0.5%
13.2% -1.7% 0.0%
0.4% -0.1% 0.0%
10.8% 0.8% 0.2%
11.9% 1.9% -0.4%
1.2% -0.2% 0.0%
9.0% -0.6% 0.6%
4.2% 0.3% 0.1%
100.0% 0.0% 0.0%
9.8% -1.8% -0.8%

3.5% 0.0% 0.0%
1.2% -0.1% -0.1%
14.6% -1.9% -0.8%
11.3% 0.4% 0.0%
7.0% -1.3% -0.2%
0.2% 0.0% 0.0%
5.7% 0.2% -0.1%
6.3% 0.8% -0.4%
0.6% -0.1% 0.0%
4.7% -0.5% 0.2%
2.2% 0.1% 0.0%
52.6% -2.4% -1.3%
11.1% 1,580,830 11.7% 0.5% 1,580,830 11.7%

18.2% 3,893,910 22.9% 4.0% 3,893,910 22.9%
-6.2% 1,424,980 19.5% 27.3% 1,424,980 19.5%

5.1% 2,487,000 11.1% 5.7% 2,487,000 11.1%
13.4% 5,319,429 19.4% 5.2% 5,319,429 19.4%
-6.3% 26.9% -1.4% -0.6%
-2.8% 42.40% -1.1% 1.7% 42.40% -1.1%
-2.8% 42.4% -1.1% 1.7% 42.4% -1.1%
5,419,003.30
117.66%
22.2% 8,878,214 19.3% 5.3% 8,559,558 19.5%

38.6% 1,202,724 6.0% -9.6% 1,200,951 21.8%
16.7% 2,851,705.45 20.1% -1.6% 2,663,940.60 16.7%
21.4% 8,001,762 24.1% 4.5% 7,388,672 21.8%
17.4% 12,065,485 19.9% 3.2% 11,542,375 19.7%
20.1% 10,853,467 23.0% 2.8% 10,052,612 20.4%
30.8% 1,460,870 40.9% 4.3% 1,277,507 30.5%
0.0% 0.0% 0.0% 0.0%
0.3% 9.7% 0.0% -0.1% 9.8% 0.2%
0.0% 10.51% 0.2% -0.1% 0.0%

0.1% 10.5% 0.2% -0.1% 10.5% 0.2%
0.0% 7.08% 0.0% -0.3% 0.0%

0.5% 7.1% 0.0% -0.3% 7.5% 0.4%
0.0% 0.0%
0.0% 0.0%
0.1% 5.25% 0.3% -0.2% 0.0%

0.1% 5.25% 0.3% -0.2% 5.20% 0.3%
4.2% 4.40% 0.1% 0.1% 0.0%
4.3% 2.5% 0.9%

0.0% 4.8% 0.0% 0.1% 0.0%
0.0% 2.0% 0.0% 0.1% 0.0%

0.0% 2.0% 0.0% 0.0% 1.8% 0.0%
-1.6% 16.1% -2.4% 0.2% 16.5% -1.4%

16.1% -2.4% 0.2%
2.6% 15.8% 2.6% 0.0% 15.8% 2.6%
-0.1% 1.3% -0.3% -0.2% 1.3% -0.3%

2.5% 17.1% 2.3% -0.2% 17.1% 2.3%
9,319,300 16.5% 2.6% 9,319,300
10.8 -41.6% 4.9% 78.60
44.26 18.9% 5.4% 39.63
21.40 77.90
274
176 5,103 316 140 5,103 316

525 13,160 525 - 13,160 525
2,748 57 21
53.0% - -
98,061 11.1% 1.7%
14,510
109,029
35,770
32,557
10,000
11,000
12,000
112,242
1.75%
241 242 243 244 245 246
1Q20 YoY QoQ 2Q20 YoY QoQ
218,047 25.4% 3.7% 225,140 19.6% 3.3%

52,478 14.3% 4.0% 50,917 1.0% -3.0%
3,391 -40.4% 27.1% 5,606 70.1% 65.3%
273,916 21.5% 4.0% 281,663 16.4% 2.8%
140,973 20.1% 6.4% 146,512 17.8% 3.9%
132,943 22.9% 1.6% 135,150 14.9% 1.7%
35,516 12.0% -3.8% 40,545 23.0% 14.2%

5,767 15.4% 43.0% 5,517 31.4% -4.3%
2,120 -174.9% -7.4% 4,807 -1565.5% 126.7%
6,300 46.3% 15.2% 5,020 50.8% -20.3%
49,703 30.2% 2.0% 55,887 39.2% 12.4%

47,583 16.0% 2.5% 51,080 26.2% 7.4%
182,645 24.8% 1.7% 191,038 21.1% 4.6%

180,525 21.0% 1.8% 186,231 17.8% 3.2%
22,174 22.5% 6.9% 23,551 23.4% 6.2%

48,999 17.4% -2.8% 50,506 15.1% 3.1%
71,173 18.9% 0.0% 74,057 17.6% 4.1%
111,472 28.9% 2.8% 116,981 23.4% 4.9%

109,352 22.4% 3.0% 112,174 17.9% 2.6%
24,135 68.5% 68.6% 20,380 29.6% -15.6%
2,002 6,627
-100.0% -100.0% -100.0%

26,137 60.4% 38.3% 27,007 48.4% 3.3%
85,336 21.6% -4.7% 89,974 17.5% 5.4%
29,654 22.7% -3.4% 26,524 -0.1% -10.6%
55,682 21.0% -5.4% 63,450 26.8% 14.0%
0
55,682 21.0% -5.4% 63,450 26.8% 14.0%
21,479 -100.0%
35% -100.0%
5617830.0%
175,310
5,466 4.9% 0.3% 5,471 0.7% 0.1%

1,550,915 44.7% 4.3% 1,552,159 13.6% 0.1%
1,556,381 44.6% 4.3% 1,557,629 13.5% 0.1%
9,545,537 18.5% 3.4% 10,216,149 22.6% 7.0%
1,008,941 -16.6% -13.8% 922,362 -35.4% -8.6%
541,669 17.9% -1.7% 554,579 -2.0% 2.4%
12,652,529 17.1% 1.7% 13,250,720 13.3% 4.7%
577,113 45.8% 23.4% 557,889 9.9% -3.3%

264,566 122.2% -23.5% 176,889 28.8% -33.1%
2,985,032 8.3% 2.7% 3,071,480 2.4% 2.9%
8,297,298 17.1% 1.3% 8,969,838 19.5% 8.1%
4,431,530 16.5% 2.7% 4,606,450 14.7% 3.9%
3,865,768 17.8% -0.4% 4,363,388 24.9% 12.9%
40,263 12.6% -0.1% 41,126 8.1% 2.1%
488,256 19.1% -0.7% 433,499.50 -14.5% -11.2%
12,652,529 17.1% 1.7% 13,250,720 13.3% 4.7%
17,842,835 17.8% 2.4% 19,185,987 21.1% 7.5%
51.5% -0.6% 1.2% 52.0% 0.6% 0.6%

27.2% 1.1% 0.1% 29.3% 3.8% 2.0%
26.4% -1.1% 0.2% 27.4% 1.8% 1.1%
39.0% -1.9% -0.7% 38.8% -1.2% -0.2%
31.2% 0.9% 2.0% 31.8% 1.5% 0.6%
39.4% -0.7% -0.7% 39.8% -0.1% 0.3%
23.9% 5.7% 6.1% 24.1% 4.9% 0.2%
86.9% -1.0% -1.8% 87.8% -2.3% 0.9%
32.9% 100.3%
1.9% 5.2% -0.2% 4.1% 4.5% 2.2%
1.2% 3.1% -0.1% 2.6% 2.8% 1.4%
53.4% -0.3% 0.8% 51.4% -2.1% -2.1%
114.2% 26.0%
34.8% 0.3% 0.5% 29.5% -5.2% -5.3%
1.3% 33.0% 34.3% 2.4% 141.4% 90.0%
117,690 23.4% 4.9% 125,082 23.9% 6.3%

1.40% 0.1% 0.0% 1.4% 0.1% 0.0%
1.40% 0.1% 0.0% 1.38% 0.0% 0.0%
35,672 22.7% 11.0% 37,910 25.2% 6.3%
0.43% 0.0% 0.0% 0.42% 0.0% 0.0%
0.43% 0.0% 0.0% 0.42% 0.0% 0.0%
82,018 23.7% 2.4% 87,172 23.3% 6.3%
69.7% 0.2% -1.7% 69.7% -0.3% 0.0%
1.2% 0.3% 0.5% 0.94% 0.1% -0.2%

0 0
112,242
42,250 19.1% 18.1% -100.0% -100.0%
-100.0% -100.0%
10,020.00 -16.5% -100.0% -100.0%
21,200.00 92.7% -100.0% -100.0%
-100.0% -100.0%
8,048,379 8,700,743 19.5% 8.1%

248,919 269,095 19.5% 8.1%
4,431,530 4,606,450 14.7% 3.9%
3,616,849 4,094,293 25.3% 13.2%
248,919 269,095 19.5% 8.1%
2,466,889 2,892,203 32.3% 17.2%
920,860 4.3% 0.8% 907,480 -1.3% -1.5%

552,000 17.0% -0.4% 542,720 9.5% -1.7%
113,340 9.8% 0.6% 112,320 -0.5% -0.9%
1,586,200 8.8% 0.3% 1,562,520 2.3% -1.5%
979,860 24.8% 4.5% 1,028,610 22.2% 5.0%
1,260,990 15.1% 0.9% 1,365,780 16.7% 8.3%
33,500 -5.7% -6.9% 32,520 -9.2% -2.9%
495,230 27.7% 6.2% 520,430 28.4% 5.1%
557,810 26.7% 8.6% 600,290 25.4% 7.6%
59,240 7.1% 1.5% 60,860 6.8% 2.7%
385,560 14.1% -4.5% 409,290 10.4% 6.2%
223,100 9.6% -2.0% 228,240 8.6% 2.3%
5,581,490 16.3% 1.9% 5,808,540 14.0% 4.1%
28.4% -6.5% -100.0%
16.5% -1.9% -0.19% 15.6% -2.4% -0.88%

9.9% 0.1% -0.23% 9.3% -0.4% -0.55%
2.0% -0.1% -0.03% 1.9% -0.3% -0.10%
28.4% -2.0% -0.46% 26.9% -3.1% -1.52%
17.6% 1.2% 0.42% 17.7% 1.2% 0.15%
22.6% -0.2% -0.24% 23.5% 0.6% 0.92%
0.6% -0.1% -0.06% 0.6% -0.1% -0.04%
8.9% 0.8% 0.36% 9.0% 1.0% 0.09%
10.0% 0.8% 0.61% 10.3% 0.9% 0.34%
1.1% -0.1% 0.00% 1.0% -0.1% -0.01%
6.9% 7.0%
4.0% -0.2% -0.16% 3.9% -0.2% -0.07%
100.0% 0.0% 0.00% 100.0% 0.0% 0.00%
11.1% 10.1%
6.7% 6.1%
1.4% 1.3%
19.1% 17.4%
11.8% 11.5%
15.2% 15.2%
0.4% 0.4%
6.0% 5.8%
6.7% 6.7%
0.7% 0.7%
4.6% 4.6%
2.7% 2.5%
67.3% 64.8%
819,130 807,840
292,290 284,900
100,700 98,510
1,212,120 1,191,250
971,480 1,020,800
577,200 626,890
17,800 18,280
495,230 520,430
557,690 600,170
52,320 53,200
366,550 390,970
181,140 184,460
4,431,530 4,606,450
18.5% 17.5%
6.6% 6.2%
2.3% 2.1%
27.4% 25.9%
21.9% 22.2%
13.0% 13.6%
0.4% 0.4%
11.2% 11.3%
12.6% 13.0%
1.2% 1.2%
8.3% 8.5%
4.1% 4.0%
100.0% 100.0%
9.9% 9.0%
3.5% 3.2%
1.2% 1.1%
14.6% 13.3%
11.7% 11.4%
7.0% 7.0%
0.2% 0.2%
6.0% 5.8%
6.7% 6.7%
0.6% 0.6%
4.4% 4.4%
2.2% 2.1%
53.4% 51.4%
1,586,200 8.8% 0.3% 1,562,520 2.3% -1.5%

3,995,290 19.6% 2.6% 4,246,020 18.9% 6.3%
1,256,630 15.0% -11.8% 1,367,910 18.8% 8.9%

2,533,380 11.8% 1.9% 2,644,450 12.7% 4.4%
5,755,527 22.5% 8.2% 6,203,789 28.3% 7.8%
26.5% -5.6% -1.5% 25.9% -8.0% -2.5%
39.70% -2.0% -2.7% 39.30% -2.7% -0.4%
39.7% -2.0% -2.7% 39.3% -2.7% -0.4%
5,808,081.90 6,139,201.30
125.51% 12.4% 6.7% 132.53% 12.2% 5.6%
9,388,473 17.8% 5.7% 9,880,843 20.6% 5.2%

1,089,896 -10.7% -9.4% 965,652 -26.8% -11.4%
2,945,455.60 13.8% 3.3% 3,028,255.95 5.2% 2.8%
8,245,655 20.6% 3.0% 8,633,568 18.3% 4.7%
12,548,968 17.0% 4.0% 12,951,624 15.1% 3.2%
11,191,111 18.7% 3.1% 11,661,824 14.6% 4.2%
1,524,222 42.5% 4.3% 1,557,005 27.2% 2.2%
0.0% 0.0% 0.0% 0.0%
9.8% 0.2% 0.1% 9.7% 0.1% -0.1%
10.58% 0.4% 0.1% 10.43% 0.1% -0.1%

10.6% 0.4% 0.1% 10.4% 0.1% -0.1%
7.13% 0.0% 0.0% 6.73% -0.3% -0.4%

7.1% 0.0% 0.0% 6.7% -0.3% -0.4%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
5.38% 0.3% 0.1% 5.40% 0.2% 0.0%

5.38% 0.3% 0.1% 5.40% 0.2% 0.0%
4.30% 0.1% -0.1% 4.20% -0.1% -0.1%
4.2% 5.0% -2.3% 4.2% -0.2% -1.5%

4.8% 0.2% -0.1% 4.6% 0.0% -0.1%
1.8% 0.1% -0.2% 2.0% 0.2% 0.2%

1.8% 0.1% -0.2% 2.0% 0.2% 0.2%
14.6% -2.6% -1.5% 16.3% -0.1% 1.7%

14.6% -15.1% -9.3% -100.0% -100.0%
15.6% 2.5% -0.2% 16.2% 0.6% 0.6%
1.3% -0.2% 0.0% 1.3% -0.2% 0.0%

16.9% 2.3% -0.2% 17.5% 0.4% 0.6%
9,656,350 14.3% 3.6% 9,633,210 8.7% -0.2%
72.7%
10.2 14.6% -5.6% 11.6 23.4% 13.7%
40.89 18.2% -7.6% 46.60 23.8% 14.0%
10.10 11.50
286 286
5,130 326 27 5,314 489 184

13,395 587 235 13,514 496 119
2,764 2,768
53.0% 52.0%
104,154 111,208
16,301
14,510 14,510
132,780
105,105
112,242 117,690
42,250 37,140
36,802 29,748
21,150
10,020
117,690 125,082
2.04% 1.66%
12,675
29,575
247 248 249 250 251 252 253
1H20 YoY 3Q20 YoY QoQ 9mFY20 YoY
443,187 22.4% 234,246 15.4% 4.0% 677,433 19.8%

103,395 7.4% 52,031 -2.2% 2.2% 155,426 4.0%
8,997 0.1% 7,420 180.0% 32.3% 16,417 41.1%
555,579 18.8% 293,697 13.4% 4.3% 849,276 16.9%
287,486 18.9% 151,968 14.1% 3.7% 439,454 17.2%
268,093 18.7% 141,729 12.7% 4.9% 409,822 16.6%
-100.0%
76,061 17.6% 45,268 24.1% 11.6% 121,329 20.0%
11,284 22.7% 5,256 32.2% -4.7% 16,540 25.6%
6,927 -319.2% 6,765 42.7% 40.7% 13,692 766.6%
11,320 48.2% 9,404 133.6% 87.3% 20,724 77.7%
0 0
105,592 34.8% 66,693 35.5% 19.3% 172,285 35.1%
98,665 21.1% 59,928 34.8% 17.3% 158,593 25.9%
373,685 22.9% 208,422 19.1% 9.1% 582,107 21.5%

366,758 19.4% 201,657 18.5% 8.3% 568,415 19.0%
45,725 22.9% 24,550 24.8% 4.2% 70,274 23.6%

99,505 16.2% 54,418 14.5% 7.7% 153,923 15.6%
145,229 18.2% 78,968 17.5% 6.6% 224,197 18.0%
228,456 26.0% 129,454 20.1% 10.7% 357,910 23.8%

221,529 20.1% 122,689 19.1% 9.4% 344,218 19.7%
44,515 48.2% 28,836 66.2% 41.5% 73,351 54.8%

0 0
0 0
8,629 1,599 10,228
0 -100.0% -100.0% 0 -100.0%

53,144 54.1% 30,436 37.6% 12.7% 83,579 47.6%
0 0
175,312 19.4% 99,019 15.6% 10.1% 274,331 18.0%
56,178 10.8% 24,854 -16.6% -6.3% 81,032 0.6%
119,133 24.0% 74,165 32.8% 16.9% 193,299 27.2%
0 0
119,133 24.0% 74,165 32.8% 16.9% 193,299 27.2%
32.0% 25.1%
0
-100.0%
175,310 -100.0% 175,310
0 0
0 0
0 0
0 0
0 0
5,471 0.4% 5,477 0.7% 0.1% 5,477 0.6%

1,552,159 4.4% 1,630,431 14.5% 5.0% 1,630,431 9.7%
1,557,629 4.4% 1,635,908 14.4% 5.0% 1,635,908 9.6%
10,216,149 10.7% 10,674,335 25.2% 4.5% 10,674,335 15.6%
922,362 -21.2% 1,132,772 -8.2% 22.8% 1,132,772 -3.3%
554,579 0.6% 510,342 2.8% -8.0% 510,342 -7.4%
13,250,720 6.5% 13,953,356 19.4% 5.3% 13,953,356 12.1%
557,889 19.3% 927,912 89.1% 66.3% 927,912 98.4%

176,889 -48.9% 96,150 25.7% -45.6% 96,150 -72.2%
3,071,480 5.7% 3,112,941 11.3% 1.3% ### 7.1%
### 9.5% 9,360,295 19.9% 4.4% ### 14.2%
4,606,450 6.8% 4,790,708 13.8% 4.0% ### 11.1%
4,363,388 12.4% 4,537,923 26.0% 4.0% ### 16.9%
41,126 2.0% 42,883 11.1% 4.3% 42,883 6.4%
433,500 -11.8% 413,175.70 -12.6% -4.7% 413,176 -16.0%
-100.0% 13,953,356 19.4% 5.3% -100.0%
19,185,987 10.1% 20,034,630 22.7% 4.4% 20,034,630 15.0%
51.7% 0.0% 51.7% 0.3% -0.3% 51.7% 0.1%

28.3% 2.5% 32.0% 3.9% 2.7% 29.6% 3.0%
26.9% 0.4% 29.7% 3.6% 2.3% 27.9% 1.5%
38.9% -1.5% 37.9% -0.5% -0.9% 38.5% -1.1%
31.5% 1.2% 31.1% 1.8% -0.7% 31.3% 1.4%
39.6% -0.4% 39.2% -0.3% -0.6% 39.4% -0.4%
24.0% 5.3% 24.8% 3.3% 0.7% 24.3% 4.6%
87.8% -2.3% 87.7% -3.9% -0.1% 87.69% -3.9%
78.8% 85.2% 80.8%
3.0% 4.8% 5.2% 0.8% 1.1% 3.8% 3.3%
1.9% 2.9% 3.4% 0.6% 0.8% 2.4% 2.1%
51.4% -2.1% 51.2% -2.7% -0.2% 51.2% -2.7%
37.7% 47.2% 40.9%
32.0% -2.5% 25.1% -9.7% -4.4% 29.5% -5.1%
1.33% 15.0% -44.9%
125,082 11.4% 134,273 23.2% 7.3% 134,273 19.6%

1.38% 0.0% 1.4% 0.0% 0.0% 1.42% 0.1%
1.38% 0.0% 1.42% 0.0% 0.0% 1.42% 0.1%
37,910 17.9% 44,684 35.3% 17.9% 44,684 39.0%
0.42% 0.0% 0.48% 0.1% 0.1% 0.48% 0.1%
0.42% 0.0% 0.48% 0.1% 0.1% 0.48% 0.1%
87,172 23.3% 89,589 17.9% 2.8% 89,589 17.9%
69.7% -1.7% 66.7% -3.0% -3.0% 66.7% -4.6%
0.0% 1.26% 0.4% 0.3% 0.0%

0 0 0
0 - 0
0.3% 0.0% 0.3% 0.0%
-100.0%
9,173,089
187,206
4,801,330
4,371,759
187,206
3,098,309
907,480 -0.7% 922,050 -0.9% 1.6% 922,050 0.9%

542,720 -2.1% 547,710 3.6% 0.9% 547,710 -1.2%
112,320 -0.3% 112,550 -1.0% 0.2% 112,550 -0.1%
1,562,520 -1.2% 1,582,310 0.6% 1.3% 1,582,310 0.1%
1,028,610 9.7% 1,101,740 23.0% 7.1% 1,101,740 17.4%
1,365,780 9.3% 1,425,990 18.4% 4.4% 1,425,990 14.1%
32,520 -9.6% 32,080 -7.1% -1.4% 32,080 -10.8%
520,430 11.6% 576,780 28.6% 10.8% 576,780 23.7%
600,290 16.9% 617,410 19.2% 2.9% 617,410 20.2%
60,860 4.2% 61,190 6.2% 0.5% 61,190 4.8%
409,290 1.4% 409,160 12.6% 0.0% 409,160 1.4%
228,240 0.2% 268,120 19.7% 17.5% 268,120 17.7%
5,808,540 6.1% 6,074,780 14.2% 4.6% 6,074,780 11.0%
0 0
16% -1.1% 15% -2.3% -0.4% 15% -1.5%

9% -0.8% 9.0% -0.9% -0.3% 9% -1.1%
2% -0.1% 2% -0.3% -0.1% 2% -0.2%
27% -2.0% 26% -3.5% -0.9% 26% -2.8%
18% 0.6% 18% 1.3% 0.4% 18% 1.0%
24% 0.7% 23% 0.8% 0.0% 23% 0.6%
1% -0.1% 1% -0.1% 0.0% 1% -0.1%
9% 0.4% 9% 1.1% 0.5% 9% 1.0%
10% 1.0% 10% 0.4% -0.2% 10% 0.8%
-1.1% 1% -0.1% 0.0% 1% -0.1%
6.7%
4% -0.2% 4% 0.2% 0.5% 4% 0.3%
100% 0.0% 100% 6.8% 0.0% 100% 0.0%
9.9%
5.9%
1.2%
16.9%
11.8%
15.2%
0.3%
6.2%
6.6%
0.7%
4.4%
2.9%
64.9%
835,520 0.7% 3.4%

281,240 3.5% -1.3%
101,490 0.5% 3.0%
1,218,250 1.3% 2.3%
1,095,310 23.3% 7.3%
632,550 13.6% 0.9%
18,120 1.3% -0.9%
576,780 28.6% 10.8%
617,290 19.2% 2.9%
53,180 3.0% 0.0%
389,740 10.9% -0.3%
200,110 15.0% 8.5%
4,801,330 14.1% 4.2%
17.4%
5.9%
2.1%
25.4%
22.8%
13.2%
0.4%
12.0%
12.9%
1.1%
8.1%
4.2%
100.0%
8.9%
3.0%
1.1%
13.0%
11.7%
6.8%
0.2%
6.2%
6.6%
0.6%
4.2%
2.1%
51.3%
1,562,520 -1.2% 1,582,310 0.6% 1.3% 1,582,310 0.1%

4,246,020 9.0% 4,492,470 19.9% 5.8% 4,492,470 15.4%
1,367,910 -4.0% 1,439,000 28.6% 5.2% 1,439,000 1.0%

2,644,450 6.3% 2,779,280 18.2% 5.1% 2,779,280 11.8%
6,203,789 16.6% 6,456,055 27.7% 4.1% 6,456,055 21.4%
25.9% -8.0% 26.0% -5.6% 0.6% 26.0% -5.6%
39.30% -3.1% 39.50% -1.2% 0.2% 39.50% -2.9%
39.3% -3.1% 39.5% -1.2% 0.2% 39.5% -2.9%
6,634,271.30
140% 11.3% 5.9%
9,723,779 19.9% 10,445,242 23.9% 5.7% 9,952,872 21.3%

1,046,607 -21.3% 1,027,567 -22.8% 6.4% 1,151,812 -6.6%
2,988,679.15 10.2% 3,092,210.35 6.7% 2.1% 3,009,410.00 15.3%
8,581,925 21.8% 9,165,066 19.7% 6.2% 8,777,154 22.0%
12,445,407 17.0% 13,602,038 16.3% 5.0% 12,445,407 17.0%
11,570,604 18.6% 12,257,277 16.1% 5.1% 11,786,564 20.2%
1,524,846 25.2% 1,596,768 14.0% 2.6% 1,563,985 25.5%
0.0% 0.0% 0.0% 0.0%
9.6% 0.0% 9.6% -0.2% -0.1% 9.6% -0.3%
0.0% 10.22% -0.4% -0.2% 0.0%

10.3% 0.0% 10.2% -0.4% -0.2% 10.3% -0.2%
0.0% 6.73% -0.6% 0.0% 0.0%

6.9% -0.2% 6.7% -0.6% 0.0% 6.9% -0.8%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
0.0% 5.30% -0.2% -0.1% 5.28% 0.0%

5.34% 0.2% 5.30% -0.2% -0.1% 5.28% 0.0%
4.20% -0.1% 4.20% -0.1% 0.0% 4.20% 0.0%
4.2% -3.1% -0.1%

0.0% 4.6% -0.1% 0.0% 0.0%
0.0% 2.2% 0.2% 0.2% 0.0%

1.9% 0.1% 2.2% 0.3% 0.2% 2.1% 0.2%
15.6% -0.2% 18.6% 2.6% 2.3% 16.5% 0.2%

-100.0%
16.2% 0.4% 17.1% 1.3% 0.9% 17.1% 1.3%

16.2%
1.3% 0.0% 1.4% -0.1% 0.1% 1.4% 0.1%
17.5% 0.4% 18.5% 1.2% 1.0% 18.5% 1.4%
9,509,760 4.7% -1.3%
68.2% -4.5%
21.87 13.6 32.2% 17.4% 11.83
43.75 21.1% 54.47 29.6% 16.9% 47.32 24.2%
300
5,314 211 5,345 382 31 5,345 242

13,514 354 14,533 1,373 1,019 14,533 1,373
2,787
52.0%
113,981
14,510
125,082
53,390
44,199
134,273
2.28%
254 255 256 257 258 259 260
240,446 14.4% 2.6% 917,879 18.4% 249,446 14.4%

50,907 0.9% -2.2% 206,333 3.2% 60,700 15.7%
7,497 181.0% 1.0% 23,914 67.2% 4,793 41.3%
298,851 13.5% 1.8% 1,148,126 16.0% 314,939 15.0%
146,810 10.9% -3.4% 586,264 15.6% 168,448 19.5%
152,041 16.2% 7.3% 561,862 16.5% 146,491 10.2%
40,457 9.6% -10.6% 161,786 17.2% 46,661 31.4%

6,572 63.0% 25.0% 23,112 34.3% 5,915 2.6%
-8,692 -479.7% -228.5% 5,000 29.2% 7,823 269.0%
7,938 45.2% -15.6% 28,662 67.3% 500 -92.1%
60,326 23.8% -9.5% 218,561 24.0% 60,899 22.5%

69,018 48.7% 15.2% 213,561 23.9% 53,077 11.5%
212,366 18.2% 1.9% 780,423 18.5% 207,391 13.5%

221,058 24.7% 9.6% 775,423 18.4% 199,568 10.5%
24,983 20.4% 1.8% 95,257 22.7% 27,231 22.8%

57,796 14.6% 6.2% 211,719 15.3% 57,218 16.8%
82,779 16.3% 4.8% 306,976 17.5% 84,450 18.7%
129,587 19.5% 0.1% 473,447 19.1% 122,941 10.3%

138,279 30.3% 12.7% 468,447 19.0% 115,118 5.3%
18,586 29.9% -35.5% 91,937 49.0% 23,746 -1.6%

6,555 6,555 2,000
367 367 1,000
2,691 40.7% 2,691 31.2% 3,000

37,845 100.3% 24.3% 101,550 34.5% 29,746 13.8%
0
91,742 2.5% -7.3% 371,896 15.5% 93,195 9.2%
22,466 -26.8% -9.6% 103,498 -6.9% 23,485 -20.8%
69,276 17.7% -6.6% 268,398 27.3% 69,710 25.2%
0 0 0
69,276 17.7% -6.6% 268,398 27.3% 69,710 25.2%
-100.0% -100.0%
-100.0%
175,310
0
0
0
0
0
5,447 0.0% -0.6% 5,447 0.0% 5,447 -0.3%

1,695,587 14.1% 4.0% 1,695,587 14.1% 1,765,297 13.8%
1,701,034 14.0% 4.0% 1,701,034 14.0% 1,770,744 13.8%
11,262,319 22.0% 5.5% 11,262,319 22.0% 11,825,435 23.9%
1,154,320 -1.4% 1.9% 1,154,320 -1.4% 1,200,493 19.0%
728,031 32.1% 42.7% 728,031 32.1% 757,152 39.8%
14,845,704 19.3% 6.4% 14,845,704 19.3% 15,553,824 22.9%
670,499 43.4% -27.7% 670,499 43.4% 521,037 -9.7%

416,706 20.5% 333.4% 416,706 20.5% 437,541 65.4%
3,322,384 14.3% 6.7% ### 14.3% 3,422,056 14.6%
9,832,815 20.0% 5.0% ### 20.0% 10,324,455 24.4%
-100.0% -100.0% 0 -100.0% -100.0%
-100.0% -100.0% 0 -100.0% -100.0%
42,718 6.0% -0.4% 42,718 6.0% 43,145 7.2%
560,583 14.0% 35.7% 560,583 14.0% 805,589 65.0%
14,845,704 19.3% 6.4% ### 19.3% 15,553,824 22.9%
21,095,134 21.1% 5.3% 21,095,134 21.1% 22,149,891 24.1%
49.1% -1.2% -2.6% 51.1% -0.2% 53.5% 2.0%

28.4% 1.3% -3.6% 28.0% 1.2% 29.4% 2.2%
31.2% 5.0% 1.5% 27.5% 1.2% 26.6% 0.2%
39.0% -0.6% 1.1% 39.3% -0.3% 40.7% 1.8%
30.2% 1.0% -0.9% 31.0% 1.3% 32.2% 1.1%
37.4% -2.7% -1.7% 39.6% -0.3% 42.3% 2.9%
27.4% 9.6% 2.6% 21.7% 2.5% 25.8% 1.9%
87.3% -1.5% -0.4% 87.31% -1.5% 87.3% 0.4%
80.4% 80.7% 87.3%
-6.7% -8.8% -11.9% 1.1% 0.1% 6.4% 4.5%
-3.9% -5.2% -7.3% 0.6% 0.1% 3.9% 2.7%
0.0% -52.6% -51.2% 0.0% -52.6% 0.0% -53.4%
-1013.9% -263.2% 0.0%
24.5% -9.8% -0.6% 27.8% -6.7% 25.2% -9.6%
1.6% 67.0% 18.8% -100.0%
-100.0% -100.0% 0 -100.0% -100.0%

-1.4% -1.4% 0.00% -1.4% -1.4%
0.00% -1.4% -1.4% 0.00% -1.4% 0.00% -1.4%
-100.0% -100.0% 0 -100.0% -100.0%
-0.4% -0.5% 0.00% -0.4% -0.4%
0.00% -0.4% -0.5% 0.00% -0.4% 0.00% -0.4%
0 -100.0% -100.0% 0 -100.0% 0 -100.0%
#DIV/0! #DIV/0! #DIV/0!
0.77% 0.1% -0.5% 0.0% 0.9% -0.2%

0 0 0
- 0
-100.0% -100.0%
-100.0%
-100.0% -100.0%
-100.0% -100.0%
-100.0% -
-100.0% -100.0% 0 -100.0% -100.0%

-100.0% -100.0% 0 -100.0% -100.0%
-100.0% -100.0% 0 -100.0% -100.0%
- -100.0% -100.0% 0 -100.0% 0 -100.0%
-100.0% -100.0% 0 -100.0% -100.0%
-100.0% -100.0% 0 -100.0% -100.0%
-100.0% -100.0% 0 -100.0% -100.0%
-100.0% -100.0% 0 -100.0% -100.0%
-100.0% -100.0% 0 -100.0% -100.0%
-100.0% -100.0% 0 -100.0% -100.0%
-100.0% -100.0% -100.0%
-100.0% -100.0% 0 -100.0% -100.0%
0 -100.0% -100.0% 0 -100.0% 0 -100.0%
#DIV/0!
#DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0!
0 -100.0% -100.0% 0 -100.0% 0 -100.0%
0 -100.0% -100.0% 0 -100.0% 0 -100.0%
-100.0% -100.0% - -100.0% -100.0%

-100.0% -100.0% - -100.0% -100.0%
11,262,319 111.7% 74.4% 11,262,319 111.7% 11,825,435 105.5%
0.0% -100.0% -100.0% 0.0% -100.0%
45.40% 3.0% 5.9% 45.40% 3.0% -39.7%
0.0% -42.4% -39.5% 0.0% -42.4% 0.0% -39.7%
-100.0% -100.0% -100.0%
10,968,327 23.5% 5.0% 10,246,864 19.7% 11,543,877 23.0%

1,143,546 -4.9% 11.3% 1,162,586 -3.2% 1,177,406 8.0%
3,217,662.70 12.8% 4.1% 3,114,131.50 16.9% 3,372,219.96 14.5%
9,596,555 19.9% 4.7% 9,013,413 22.0% 10,078,635 22.2%
14,399,530 19.3% 5.9% 13,645,556 18.2% 15,199,764 21.1%
12,814,218 18.1% 4.5% 12,127,545 20.6% 13,450,855 20.2%
1,668,471 14.2% 4.5% 1,596,549 25.0% 1,735,889 13.9%
0.0% 0.0% 0.0% 0.0%
9.3% -0.4% -0.3% 9.5% -0.4% 9.4% -0.4%
10.02% -0.5% -0.2% 0.0% 9.90% -0.7%

10.0% -0.5% -0.2% 10.2% -0.3% 9.9% -0.7%
6.33% -0.8% -0.4% 0.0% 7.20% 0.1%

6.3% -0.8% -0.4% 6.6% -0.9% 7.2% 0.1%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
4.85% -0.4% -0.4% 0.0% 5.30% -0.1%

4.85% -0.4% -0.4% 5.14% -0.1% 5.30% -0.1%
4.22% -0.2% 0.0% 0.0% 3.86% -0.4%
4.2% -2.7% 1.3% 3.9% -9.0%

4.7% -0.1% 0.1% 0.0% 4.4% -0.4%
1.9% -0.1% -0.3% 0.0% 1.8% 0.0%

1.9% 0.0% -0.3% 2.0% 0.1% 1.8% 0.1%
16.6% 0.5% -2.0% 16.8% 0.3% 16.1% 1.5%

-100.0% -100.0%
-15.8% -17.1% 0.0% -15.8% -15.6%
0.0% -1.3% -1.4% 0.0% -1.3% 0.0% -1.3%

-17.1% -18.5% 0.0% -17.1% -16.9%
-100.0% -100.0% -100.0% -100.0%
12.7 17.8% -6.6% 12.8 25.5%
50.88 14.9% -6.6% 49.28 24.3% 51.19 25.2%
312 325
(5,103) (5,345) 0 (5,103) (5,130)

(13,160) (14,533) 0 (13,160) (13,395)
261 262 263 264 265 266 267
3.7% 261,918.53 16.3% 5.0% 511,365 15.4% 275,014

19.2% 62,520.96 22.8% 3.0% 123,221 19.2% 64,714
-36.1% 4,960 -11.5% 3.5% 9,753 8.4% 2,579
5.4% 329,400 16.9% 4.6% 644,339 16.0% 342,308
14.7% 175,852 20.0% 4.4% 344,300 19.8% 184,307
-3.6% 153,548 13.6% 4.8% 300,039 11.9% 158,001
15.3% 53,333 31.5% 14.3% 99,995 31.5% 50,430

-10.0% 6,270 13.6% 6.0% 12,185 8.0% 6,458
-190.0% 7,823 62.7% 0.0% 15,646 125.9% 7,823
-93.7% 200 -96.0% -60.0% 700 -93.8% 3,000
0
1.0% 67,626 21.0% 11.0% 128,525 21.7% 67,711
-23.1% 59,803 17.1% 12.7% 112,880 14.4% 59,888
-2.3% 221,174 15.8% 6.6% 428,564 14.7% 225,712

-9.7% 213,351 14.6% 6.9% 412,919 12.6% 217,890
9.0% 28,048 19.1% 3.0% 55,280 20.9% 28,890

-1.0% 60,651 20.1% 6.0% 117,869 18.5% 64,897
2.0% 88,700 19.8% 5.0% 173,149 19.2% 93,787
-5.1% 132,474 13.2% 7.8% 255,415 11.8% 131,926

-16.7% 124,652 11.1% 8.3% 239,770 8.2% 124,103
27.8% 23,849 17.0% 0.4% 47,596 6.9% 23,904

-69.5% 3,000 50.0% 5,000 5,000
172.2% 1,000 0.0% 2,000
11.5% 3,000 0.0% 6,000 1,500

-21.4% 30,849 14.2% 3.7% 60,596 14.0% 30,404
1.6% 101,625 12.9% 9.0% 194,820 11.1% 101,522
4.5% 25,609 -3.4% 9.0% 49,095 -12.6% 25,584
0.6% 76,015 19.8% 9.0% 145,725 22.3% 75,939
0
0.6% 76,015 19.8% 9.0% 145,725 22.3% 75,939
-100.0%
-100.0%
-100.0% 0 -100.0%
0
0
0
0
0
0.0% 5,447 -0.4% 0.0% 5,447 0.0% 5,447

4.1% 1,841,312 18.6% 4.3% 1,841,312 8.6% 1,917,251
4.1% 1,846,759 18.6% 4.3% 1,846,759 8.6% 1,922,697
5.0% 12,298,453 20.4% 4.0% 12,298,453 9.2% 12,790,391
4.0% 1,236,508 34.1% 3.0% 1,236,508 7.1% 1,285,968
4.0% 779,867 40.6% 3.0% 779,867 7.1% 811,062
4.8% 16,161,586 22.0% 3.9% 16,161,586 8.9% 16,810,118
-22.3% 541,398 -3.0% 3.9% 541,398 -19.3% 563,054

5.0% 450,667 154.8% 3.0% 450,667 8.2% 468,694
3.0% 3,524,717 14.8% 3.0% 3,524,717 6.1% 3,665,706
5.0% 10,840,678 20.9% 5.0% ### 10.3% 11,382,712
- -100.0% 0 -
- -100.0% 0 -
1.0% 44,440 8.1% 3.0% 44,440 4.0% 44,884
43.7% 759,685.30 75.2% -5.7% 759,685 35.5% 685,067.28
4.8% 16,161,586 22.0% 3.9% -100.0% 16,810,118
5.0% 23,139,131 20.6% 4.5% 23,139,131 9.7% 24,173,103
4.4% 53.4% 1.4% -0.1% 53.4% 1.7% 53.8%

1.0% 30.6% 1.3% 1.2% 30.0% 1.7% 30.0%
-4.6% 28.0% 0.6% 1.4% 27.3% 0.4% 27.5%
1.7% 40.1% 1.3% -0.6% 40.4% 1.5% 41.6%
2.1% 31.6% -0.2% -0.6% 31.9% 0.4% 30.8%
4.9% 41.6% 1.8% -0.7% 41.9% 2.3% 43.0%
-1.5% 24.7% 0.7% -1.1% 25.3% 1.3% 24.5%
0.0% 88.1% 0.3% 0.8% 88.1% 0.3% 89.0%
109.1% 97.3% 110.2%
13.1% 5.9% 1.8% -0.5% 6.1% 3.1% 5.9%
7.9% 3.7% 1.1% -0.3% 3.8% 1.9% 3.6%
0.0% 0.0% -51.4% 0.0% 0.0% -51.4% 0.0%
0.0% 0.0% 0.0%
0.7% 25.2% -4.3% 0.0% 25.2% -6.8% 25.2%
-100.0% -100.0%
-100.0% 0
0.0% -1.4% 0.0% 0.00% 0.0%
0.0% 0.00% -1.4% 0.0% 0.00% 0.0% 0.00%
-100.0% 0
0.0% -0.4% 0.0% 0.00% 0.0%
0.0% 0.00% -0.4% 0.0% 0.00% 0.0% 0.00%
0 -100.0% 0 -100.0% 0
#DIV/0! #DIV/0! #DIV/0!
0.2% 0.90% 0.0% 0.0% 0.0% 0.86%

0 0 0
0 -
0.3% 0.0%
-100.0% 0
-100.0% 0
-100.0% 0
0 -100.0% 0 -
-100.0% 0
-100.0% 0
-100.0% 0
-100.0% 0
-100.0% 0
-100.0% 0
-100.0%
-100.0% 0
0 -100.0% 0 0
0
#DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0!
0 -100.0% 0 0
0 -100.0% 0 0
-100.0% -
-100.0% -
5.0% 12,298,453 98.2% 4.0% 12,298,453 9.2% 12,790,391
0.0% -100.0% 0.0% -100.0% 0.0%
-45.4% -39.3% 0.0% 0.00% -45.4% 45.40%
0.0% 0.0% -39.3% 0.0% 0.0% 0.0% 0.0%
-100.0%
5.2% 12,061,944 22.1% 4.5% 11,780,386 21.2% 12,544,422

3.0% 1,218,500 26.2% 3.5% 1,195,414 14.2% 1,261,238
4.8% 3,473,386.56 14.7% 3.0% 3,423,550.80 14.6% 3,595,211.75
5.0% 10,582,567 22.6% 5.0% 10,336,746 20.4% 11,111,695
5.6% 15,857,705 22.4% 4.3% 14,845,704 19.3% 16,485,852
5.0% 14,055,953 20.5% 4.5% 13,760,297 18.9% 14,706,907
4.0% 1,808,751 16.2% 4.2% 1,773,896 16.3% 1,884,728
0.0% 0.0% 0.0% 0.0%
0.0% 9.4% -0.3% 0.0% 9.4% -0.2% 9.3%
-0.1% 9.90% -0.5% 0.0% 0.0% 9.90%

-0.1% 9.9% -0.5% 0.0% 9.9% -0.4% 9.9%
0.9% 7.20% 0.5% 0.0% 0.0% 7.20%

0.9% 7.2% 0.5% 0.0% 7.2% 0.3% 7.2%
0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0%
0.4% 5.30% -0.1% 0.0% 0.0% 5.34%

0.4% 5.30% -0.1% 0.0% 5.31% 0.0% 5.34%
-0.4% 3.87% -0.3% 0.0% 3.87% -0.3% 3.83%
-8.7% 3.9% -7.2% 0.5% 3.8%

-0.4% 4.4% -0.3% 0.0% 0.0% 4.3%
-0.1% 1.9% -0.1% 0.1% 0.0% 1.8%

-0.1% 1.9% 0.0% 0.1% 2.0% 0.0% 1.8%
-0.5% 16.8% 0.5% 0.7% 16.4% 0.8% 16.1%
0.0% -16.2% 0.0% 0.0% 0.0%
0.0% 0.0% -1.3% 0.0% 0.0% 0.0% 0.0%

0.0% -17.5% 0.0% 0.0% 0.0%
-100.0%
0.6% 14.0 20.3% 9.0% 26.76 13.9
0.6% 55.83 19.8% 9.0% 53.51 22.3% 55.77
339 353
- (5,314) - 0 -
- (13,514) - 0 -
268 269 270 271 272 273 274
17.4% 5.0% 786,379 16.1% 230,875 -4.0% -16.0%

24.4% 3.5% 187,935 20.9% 63,530 24.8% -1.8%
-65.2% -48.0% 12,333 -24.9% 8,844 18.0% 242.9%
16.6% 3.9% 986,647 16.2% 303,248 1.5% -11.4%
21.3% 4.8% 528,606 20.3% 165,854 13.0% -10.0%
11.5% 2.9% 458,040 11.8% 137,394 -9.6% -13.0%
11.4% -5.4% 150,425 24.0% 36,640 -9.4% -27.3%

22.9% 3.0% 18,643 12.7% 8,080 22.9% 25.1%
15.6% 0.0% 23,468 71.4% -18,468 112.5% -336.1%
-68.1% 1400.0% 3,700 -82.1% 11,371 43.2% 279.0%
0
1.5% 0.1% 196,237 13.9% 37,624 -37.6% -44.4%
-0.1% 0.1% 172,768 8.9% 56,092 -18.7% -6.3%
8.3% 2.1% 654,277 12.4% 175,018 -17.6% -22.5%

8.0% 2.1% 630,808 11.0% 193,486 -12.5% -11.2%
17.7% 3.0% 84,170 19.8% 17,152 -31.3% -40.6%

19.3% 7.0% 182,766 18.7% 47,439 -17.9% -26.9%
18.8% 5.7% 266,936 19.1% 64,591 -22.0% -31.1%
1.9% -0.4% 387,341 8.2% 110,427 -14.8% -16.3%

1.2% -0.4% 363,873 5.7% 128,895 -6.8% 3.9%
-17.1% 0.2% 71,499 -2.5% 103,181 455.2% 331.7%

66.7% 10,000 -6,460 -198.6% -229.2%
-100.0% 2,000 -1,596 -534.4%
-50.0% 7,500 6,711 149.4% 347.4%

-0.1% -1.4% 90,999 8.9% 101,835 169.1% 234.9%
2.5% -0.1% 296,342 8.0% 8,592 -90.6% -91.5%
2.9% -0.1% 74,678 -7.8% 2,165 -90.4% -91.5%
2.4% -0.1% 221,664 14.7% 6,427 -90.7% -91.5%
0 0
2.4% -0.1% 221,664 14.7% 6,427 -90.7% -91.5%
-100.0%
-100.0%
0 -100.0%
0
0
0
0
0
-0.6% 0.0% 5,447 0.0% 5,447 0.0% 0.0%

17.6% 4.1% 1,917,251 13.1% 1,862,126 9.8% -2.9%
17.5% 4.1% 1,922,697 13.0% 1,867,573 9.8% -2.9%
19.8% 4.0% 12,790,391 13.6% 12,726,421 13.0% -0.5%
13.5% 4.0% 1,285,968 11.4% 1,079,977 -6.4% -16.0%
58.9% 4.0% 811,062 11.4% 643,635 -11.6% -20.6%
20.5% 4.0% 16,810,118 13.2% 16,317,605 9.9% -2.9%
-39.3% 4.0% 563,054 -16.0% 690,320 3.0% 22.6%

387.5% 4.0% 468,694 12.5% 470,878 13.0% 0.5%
17.8% 4.0% ### 10.3% 3,754,294 13.0% 2.4%
21.6% 5.0% ### 15.8% 10,717,768 9.0% -5.8%
-100.0% 0
-100.0% 0
4.7% 1.0% 44,884 5.1% 45,281 6.0% 0.9%
65.8% -9.8% 685,067 22.2% 639,065 14.0% -6.7%
20.5% 4.0% -100.0% 16,317,605 9.9% -2.9%
20.7% 4.5% 24,173,103 14.6% 23,444,189 11.1% -3.0%
2.1% 0.5% 53.6% 1.8% 54.7% 5.6% 0.9%

-2.0% -0.6% 30.0% 0.4% 21.5% -6.9% -8.5%
-2.2% -0.5% 27.4% -0.5% 29.0% -2.2% 1.5%
3.7% 1.4% 40.8% 2.3% 36.9% -2.1% -4.6%
-0.3% -0.8% 31.5% 0.2% 26.6% -3.6% -4.2%
3.9% 1.5% 42.3% 2.9% 33.4% -4.1% -9.7%
-0.3% -0.2% 25.0% 0.7% 79.0% 51.6% 54.5%
1.3% 0.8% 88.99% 1.3% 84.2% -3.1% -4.8%
101.4% 1039.5%
0.7% 0.0% 6.1% 2.2% -16.7% -10.0% -22.7%
0.2% -0.1% 3.7% 1.3% -9.5% -5.6% -13.1%
-51.2% 0.0% 0.0% -51.2% 0.0% 0.0% 0.0%
0.0% 0.0%
0.1% 0.0% 25.2% -4.3% 25.2% 0.7% 0.0%
-100.0% -100.0%
-100.0% 0
-1.4% 0.0% 0.00% 0.0% 0.0% 0.0%
-1.4% 0.0% 0.00% 0.0% 0.00% 0.0% 0.0%
-100.0% 0
-0.5% 0.0% 0.00% 0.0% 0.0% 0.0%
-0.5% 0.0% 0.00% 0.0% 0.00% 0.0% 0.0%
-100.0% 0 -100.0% 0
#DIV/0! #DIV/0!
-0.4% 0.0% 0.0% 3.73% 3.0% 2.9%

0 0
0 -
0.3% 0.0%
-100.0% 0
-100.0% 0
-100.0% 0
-100.0% 0 -
-100.0% 0
-100.0% 0
-100.0% 0
-100.0% 0
-100.0% 0
-100.0% 0
-100.0%
-100.0% 0
-100.0% 0 0
0
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
#DIV/0! #DIV/0!
-100.0% 0 0
-100.0% 0 0
-100.0% -
-100.0% -
98.1% 4.0% 12,790,391 13.6% 12,726,421 13.0% -0.5%
-100.0% 0.0% -100.0% 0.0%
5.9% 45.4% 45.40% 0.0% 45.40% 0.0% 0.0%
-39.5% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
-100.0%
20.1% 4.0% 12,026,355 20.8% 12,758,406 16.3% 1.7%

22.7% 3.5% 1,220,144 5.9% 1,182,972 3.4% -6.2%
16.3% 3.5% 3,494,045.15 16.1% 3,710,000.12 15.3% 3.2%
21.2% 5.0% 10,607,763 20.9% 11,050,240 15.1% -0.6%
21.2% 4.0% 14,845,704 19.3% 16,563,862 15.0% 0.5%
20.0% 4.6% 14,101,808 19.6% 14,760,240 15.2% 0.4%
18.0% 4.2% 1,811,866 15.8% 1,895,135 13.6% 0.6%
0.0% 0.0% 0.0% 0.0% 0.0%
-0.3% -0.1% 9.3% -0.3% 8.2% -1.1% -1.1%
-0.3% 0.0% 0.0% 8.36% -1.7% -1.5%

-0.3% 0.0% 9.9% -0.4% 8.4% -1.7% -1.5%
0.5% 0.0% 0.0% 6.85% 0.5% -0.4%

0.5% 0.0% 7.2% 0.3% 6.8% 0.5% -0.4%
0.0% 0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 5.32% 0.0% 4.76% -0.1% -0.6%

0.0% 0.0% 5.32% 0.0% 4.76% -0.1% -0.6%
-0.4% 0.0% 4.20% 0.0% 3.32% -0.9% -0.5%
-8.0% -1.0% 3.3% -21.4% -13.5%

-0.3% -0.1% 0.0% 3.7% -1.0% -0.6%
-0.4% -0.1% 0.0% 0.2% -1.8% -1.7%

-0.3% -0.1% 2.0% -0.1% 0.2% -1.8% -1.7%
-2.5% -0.7% 16.3% -0.2% 1.4% -15.3% -14.8%
-17.1% 0.0% 0.0% 0.0% 0.0% 0.0%
-1.4% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

-18.5% 0.0% 0.0% 0.0% 0.0% 0.0%
-100.0%
2.4% -0.1% 13.57 1.2 -90.7% -91.5%
2.4% -0.1% 54.26 14.7% 4.72 -90.7% -91.5%
343
(5,345) - 0 - - -
(14,533) - 0 - - -
275 276
12mFY21 YoY
1,017,254 10.8%
251,465 21.9%
21,177 -11.4%
1,289,895 12.3%
694,461 18.5%
595,434 6.0%
187,065 15.6%
26,724 15.6%
5,000 0.0%
15,071 -47.4%
233,860 7.0%
228,860 7.2%
829,295 6.3%
824,295 6.3%
101,322 6.4%
230,204 8.7%
331,526 8.0%
497,768 5.1%
492,768 5.2%
174,680 90.0%
3,540 -46.0%
404 10.0%
14,211 428.1%
192,835 89.9%
304,933 -18.0%
76,843 -25.8%
228,090 -15.0%
0
228,090 -15.0%
0 -100.0%
0
0
0
0
0
5,447 0.0%
1,862,126 9.8%
1,867,573 9.8%
12,726,421 13.0%
1,079,977 -6.4%
643,635 -11.6%
16,317,605 9.9%
690,320 3.0%
470,878 13.0%
### 13.0%
### 9.0%
0
0
45,281 6.0%
639,065 14.0%
### 9.9%
23,444,189 11.1%
53.8% 2.8%
28.2% 0.2%
27.8% 0.2%
40.0% 0.6%
30.6% -0.5%
40.2% 0.6%
39.1% 17.5%
84.22% -3.1%
60.4%
1.0% -0.1%
0.6% 0.0%
0.0% 0.0%
0.0%
25.2% -2.6%
0
0.00% 0.0%
0.00% 0.0%
0
0.00% 0.0%
0.00% 0.0%
0
#DIV/0!
0.0%
0
0
-
0
0
0
0
0
0
0
0
0
0
0
0
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0
0
-
-
12,726,421 13.0%
45.40% 0.0%
0.0% 0.0%
11,994,370 17.1%
1,117,149 -3.9%
3,538,339.17 13.6%
10,275,291 14.0%
15,581,655 14.2%
13,813,630 13.9%
1,784,303 11.8%
0.0%
9.3% -0.1%
0.0%
9.9% -0.3%
0.0%
7.1% 0.5%
0.0%
0.0%
0.0%
5.30% 0.2%
0.0%
0.0%
0.0%
1.5% -0.5%
12.8% -4.0%
0.0% 0.0%
0.0% 0.0%
0.0% 0.0%
83.75 70.0%
0 -
0 -
151 154 159
1QFY15 2QYF15 3QYF15

INTERESTINCOME Interest Income 112,201 118,476 123,958
INTERESTONADVANCInterest on Advances 87,351 90,739 95,432
INTERESTONINVESTMInterest on Investments 21,269 24,071 24,836
INTERESTEXPENSE Interest Expense 60,485 63,366 66,959
NETINTERESTINCOMENet Interest Income 51,716 55,110 56,999
OTHERINCOME Other Income 18,506 20,471 25,349
TREASURYINCOME Capital Gains 250 951 2,655
TOTALINCOME Total Income 70,222 75,581 82,348
OPERATINGEXPENSEOperating Expenses 31,784 34,979 34,563
EMPLOYEEEXPENSESEmployee Expenses 11,259 11,669 11,325
OTHEROPEX Other Opex 20,525 23,310 23,238
PPOP Pre-provisioing Profit 38,438 40,602 47,786
PROVISIONS Provisions 4,828 4,559 5,604
PBT PBT 33,610 36,043 42,181
TAX Tax 11,280 12,228 14,236
PAT PAT 22,330 23,815 27,945
EPS Earnings per Share - - -
NETADVANCES Advances 3,121,087 3,272,728 3,470,880

INVESTMENTS Investments 1,088,399 1,154,380 1,196,387
NETWORTH Networth 460,478 487,148 516,728
BORROWINGS Borrowings 386,182 385,404 396,585
DEPOSITS Deposits 3,720,740 3,906,818 4,141,283
TOTALASSETS Total assets 4,913,597 5,099,611 5,348,552
TOTALBUSINESS Total Business 6,841,827 7,179,545 7,612,162
CA CA Deposits 543,480 578,030 571,050

SA SA Deposits 1,056,390 1,108,100 1,122,840
TERM Term Deposits 2,120,870 2,220,688 2,447,393
CASA CASA Ratio 43.0% 43.2% 45.4%
RETAILDEPOSIT Retail deposit - - -
LCR LCR 0.0% 0.0% 0.0%
GROSSNPA Gross NPL 33,562 33,617 34,679

NETNPA Net NPL 10,074 9,173 9,037
GROSSNPARATIO Gross NPL (%) 1.1% 1.0% 1.0%
NETNPARATIO Net NPL (%) 0.5% 0.3% 0.3%
COVERAGERATIO Coverage Ratio (%) 70.0% 72.7% 73.9%
OSRESTRUCTUREDLOO/S Restructured Loans 6,309 3,306 3,506
SECURITYRECEIPTS Security Receipts #N/A #N/A #N/A
SLIPPAGEQTR Fresh Slippage - - -

REDUCTIONSQTR Upgrades/W/O, - - -
OTHERBYTOTALINCO Other Income/ Total Inco 26.4% 27.1% 30.8%

CIRATIO Cost to Income Ratio 45.3% 46.3% 42.0%
CDRATIO CD Ratio 83.9% 83.8% 83.8%
YOA YoA 11.4% 11.4% 11.3%
YOI Yield on Investments 7.4% 8.6% 8.5%
COD Cost of Deposits 0.0% 0.0% 0.0%
COF Cost of Funds 5.9% 6.0% 6.1%
NIM NIM 4.4% 4.5% 4.4%
ROA RoA 2.0% 2.0% 2.0%
ROE RoE 20.0% 20.1% 22.3%
CRCOST Credit Cost 0.0% 0.0% 0.0%
CRAR CRAR 15.1% 15.7% 15.7%

TIER1 Tier 1 Ratio 11.1% 11.8% 12.0%
ATM ATM 11,426 11,515 11,633

BRANCH Branches 3,488 3,600 3,659
EMPLOYEE Employees 70,400 75,339 76,253
COREFEE Core Fee income 14,065 15,365 18,065

CRCOST Credit Cost
FRESHSLIPPAGERATIO Slippage ratio
Loan Split (internal)

RETAILLOAN Retail loan 1,894,460 2,028,440 2,128,560
OVERSEASLOAN Overseas loan - - -
CORPORATELOAN Corporate loan - - -
Total
Retail loan split (internal)

HOMELOAN Home loan 195,740 195,580 199,770
AUTOLOAN Auto loan 679,440 730,130 753,110
CARLOAN Car loan 405,150 440,380 456,140
CVLOAN CV loan 232,960 244,760 249,450
2WLOAN 2-wheeler loan 41,330 44,990 47,520
CREDITCARDLOAN Credit card loan 132,720 140,050 153,640
PERSONALLOAN Personal loan 216,480 233,360 249,880
BBLOAN Business Banking 427,940 465,370 487,530
OTHERLOAN Others 82,730 85,390 96,480
LAS loans against securities 9,930 10,680 12,080
GOLDLOAN Gold loans 38,560 38,650 39,070
KISANLOAN Kisan gold loans 110,920 129,230 137,000
164 169 172 177 182 187 190
4QYF15 1QFY16 2QYF16 3QYF16 4QYF16 1QFY17 2QYF17

130,064 140,411 147,725 154,111 159,968 165,160 170,699
98,287 104,471 109,483 114,835 119,489 124,708 129,014
28,410 32,813 33,977 36,514 37,896 38,092 38,181
69,932 76,523 80,916 83,426 85,434 87,346 90,764
60,132 63,888 66,809 70,685 74,533 77,814 79,936
25,638 24,619 25,518 28,722 28,659 28,066 29,010
1,961 1,259 1,624 3,279 1,155 2,769 2,835
85,769 88,507 92,327 99,407 103,192 105,881 108,945
38,550 40,008 41,898 42,048 45,843 47,689 48,700
13,256 13,590 14,140 14,313 14,980 15,852 16,572
25,294 26,418 27,758 27,736 30,863 31,837 32,128
47,220 48,499 50,429 57,359 57,349 58,192 60,246
5,767 7,280 6,813 6,539 6,625 8,667 7,490
41,453 41,219 43,616 50,820 50,725 49,525 52,756
13,384 14,262 14,922 17,251 16,982 17,136 18,202
28,069 26,957 28,695 33,568 33,742 32,389 34,553
- 11 12 13 13 13 14
3,654,950 3,820,104 4,185,410 4,363,644 4,645,940 4,706,225 4,944,178

1,516,418 1,723,937 1,712,813 1,823,451 1,638,858 2,063,391 2,066,526
620,094 649,668 682,771 720,066 726,778 763,656 805,573
452,136 469,430 523,074 600,351 530,185 689,001 770,385
4,507,957 4,841,744 5,069,087 5,239,968 5,464,242 5,737,545 5,917,306
5,905,031 6,293,223 6,599,985 6,878,919 7,088,456 7,551,001 7,888,270
8,162,907 8,661,848 9,254,496 9,603,612 10,110,182 10,443,770 10,861,485
735,650 669,170 698,110 740,440 884,250 760,820 791,540

1,249,270 1,249,470 1,315,220 1,354,320 1,478,860 1,527,010 1,599,500
2,523,037 2,923,104 3,055,757 3,145,208 3,101,132 3,449,715 3,526,266
45.4% 39.6% 40.0% 40.0% 43.0% 39.9% 40.0%
2,985,328 3,033,713 3,270,638 3,365,812 3,452,954 3,598,043 3,735,525
100.8% 84.9% 79.6% 73.5% 80.0% 96.0% 105.9%
34,384 36,522 38,278 42,552 43,928 49,209 50,690

8,963 10,277 10,377 12,606 13,204 14,934 14,889
0.9% 1.0% 0.9% 1.0% 0.9% 1.0% 1.0%
0.3% 0.3% 0.3% 0.3% 0.3% 0.3% 0.3%
73.9% 71.9% 72.9% 70.4% 69.9% 69.7% 70.6%
3,689 3,857 4,224 4,406 4,690 4,755 4,995
#N/A #N/A #N/A #N/A #N/A #N/A #N/A
- - - 15,510 17,000 17,610 14,400

- - - 11,240 - 12,330 -
29.9% 27.8% 27.6% 28.9% 27.8% 26.5% 26.6%

44.9% 45.2% 45.4% 42.3% 44.4% 45.0% 44.7%
81.1% 78.9% 82.6% 83.3% 85.0% 82.0% 83.6%
11.0% 11.2% 10.9% 10.7% 10.6% 10.7% 10.7%
8.4% 8.1% 7.9% 8.3% 8.8% 8.2% 7.4%
0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
5.9% 6.0% 5.9% 5.8% 5.8% 5.6% 5.5%
4.4% 4.3% 4.2% 4.3% 4.3% 4.4% 4.2%
2.0% 2.0% 2.0% 2.0% 2.0% 2.0% 2.0%
19.8% 17.0% 17.2% 19.1% 18.7% 17.4% 17.6%
0.0% 0.8% 0.7% 0.6% 0.6% 0.7% 0.6%
16.8% 15.7% 15.5% 15.9% 15.5% 15.5% 15.4%

13.7% 12.8% 12.8% 13.2% 13.2% 13.3% 13.3%
11,766 11,962 11,686 11,843 12,000 12,013 12,016

4,014 4,101 4,227 4,281 4,520 4,541 4,548
76,286 79,400 83,416 84,619 87,555 90,802 95,002
18,348 17,130 18,689 20,048 21,724 19,779 21,039

0.6% 0.7% 0.6%
2,256,940 2,388,600 2,622,370 2,749,120 2,898,330 3,071,950 3,191,380

- - - 299,814 323,642 330,000 331,260
- - - 1,314,710 1,423,967 1,304,275 1,421,538
241,250 268,880 284,830 284,350 318,600 336,050 335,740

767,590 818,710 883,680 921,960 945,990 976,360 1,051,080
467,600 501,000 536,330 563,210 572,810 595,610 644,290
249,480 264,900 289,730 297,680 309,350 314,610 335,610
50,510 52,810 57,620 61,070 63,830 66,140 71,180
161,540 168,650 180,000 196,890 205,200 212,550 213,360
260,100 290,580 324,210 354,940 377,040 410,590 450,240
498,940 509,550 574,990 596,030 610,890 693,240 657,940
110,470 107,430 120,550 133,440 146,440 151,510 162,760
13,700 13,390 15,220 16,560 18,970 18,860 20,520
40,660 42,430 43,490 44,000 45,860 48,760 50,930
162,690 168,980 195,400 200,950 229,340 224,030 248,810
195 200 205 208 213 218 223
3QYF17 4QYF17 1QYF18 2QYF18 3QYF18 4QYF18 1QYF19

176,056 181,144 186,687 196,703 205,813 213,211 225,490
131,756 135,075 144,861 153,558 161,566 166,634 173,907
40,493 42,677 38,930 40,065 41,003 42,226 45,893
92,965 90,593 92,980 99,182 102,669 106,634 117,354
83,091 90,551 93,707 97,521 103,143 106,577 108,136
31,427 34,463 35,167 36,059 38,692 42,286 38,181
3,986 1,804 3,314 3,559 2,594 220 (2,832)
114,518 125,014 128,874 133,580 141,835 148,863 146,316
48,425 52,220 53,675 55,401 57,322 60,506 59,839
16,886 15,527 16,575 17,158 16,913 17,412 18,105
31,539 36,693 37,100 38,243 40,410 43,094 41,734
66,093 72,794 75,199 78,179 84,513 88,357 86,478
7,158 12,618 15,588 14,762 13,514 15,411 16,294
58,935 60,176 59,612 63,417 70,999 72,946 70,184
20,281 20,275 20,673 21,907 24,573 24,953 24,169
38,653 39,901 38,938 41,510 46,426 47,993 46,014
15 16 15 16 18 19 9
4,950,433 5,545,682 5,809,758 6,048,669 6,312,147 6,583,331 7,086,487

2,360,555 2,144,633 2,161,083 2,402,790 2,327,236 2,422,002 2,756,787
850,247 894,624 942,577 959,432 1,010,626 1,062,950 1,076,701
721,212 740,289 860,117 1,015,311 1,038,668 1,231,050 1,210,243
6,347,046 6,436,397 6,713,761 6,893,459 6,990,264 7,887,706 8,057,853
8,280,197 8,638,402 8,956,531 9,336,373 9,490,794 10,639,343 10,804,091
11,297,479 11,982,079 12,523,519 12,942,128 13,302,411 14,471,037 15,144,340
1,012,390 1,155,740 1,020,300 978,250 1,012,860 1,192,830 1,092,970

1,866,340 1,935,790 1,931,050 1,976,550 2,058,330 2,238,100 2,266,560
3,468,316 3,344,867 3,762,411 3,938,659 3,919,074 4,456,776 4,698,323
45.0% 48.0% 44.0% 42.9% 43.9% 43.5% 41.7%
4,150,718 4,173,308 4,168,038 4,246,045 4,377,819 4,514,394 4,765,757
109.0% 99.5% 91.7% 97.2% 99.0% 104.5% 111.6%
52,323 58,857 72,429 77,028 82,349 86,070 95,386

15,643 18,440 25,282 25,968 27,737 26,010 29,071
1.1% 1.1% 1.2% 1.3% 1.3% 1.3% 1.3%
0.3% 0.3% 0.4% 0.4% 0.4% 0.4% 0.4%
70.1% 68.7% 65.1% 66.3% 66.3% 69.8% 69.5%
5,003 - - - - - -
- - 31,000 24,700 45,880 27,900 35,480

- - 17,427 20,101 40,560 24,179 26,164
27.4% 27.6% 27.3% 27.0% 27.3% 28.4% 26.1%

42.3% 41.8% 41.6% 41.5% 40.4% 40.6% 40.9%
78.0% 86.2% 86.5% 87.7% 90.3% 83.5% 87.9%
10.7% 10.3% 10.2% 10.4% 10.5% 10.3% 10.2%
7.3% 7.6% 7.2% 7.0% 6.9% 7.1% 7.1%
0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
5.4% 5.1% 5.0% 5.1% 5.2% 5.0% 5.1%
4.1% 4.3% 4.4% 4.3% 4.3% 4.3% 4.2%
2.0% 1.9% 1.8% 1.9% 2.0% 2.0% 1.8%
18.7% 18.3% 17.0% 17.5% 18.9% 18.5% 17.2%
0.6% 1.0% 1.1% 1.0% 0.9% 1.0% 1.0%
15.9% 14.6% 15.6% 15.1% 15.5% 14.8% 14.6%

13.8% 12.8% 13.6% 13.3% 13.6% 13.2% 13.1%
12,087 12,260 12,220 12,259 12,333 12,635 12,808

4,555 4,715 4,727 4,729 4,734 4,787 4,804
90,421 84,325 83,757 - 86,660 88,253 89,550
22,068 25,230 25,781 26,140 28,721 33,297 31,710

0.6% 1.0% 1.1% 1.0% 0.9% 1.0% 1.0%
2.1% 1.6% 2.9% 1.7% 2.0%
3,238,270 3,643,560 3,840,970 4,132,450 4,328,560 4,584,430 4,799,580

176,283 199,000 201,000 206,000 - - -
1,535,880 1,703,122 1,767,788 1,710,219 1,983,587 1,998,901 2,286,907
354,230 383,790 387,970 400,290 381,330 362,650 440,360

1,071,780 1,153,810 1,199,200 1,278,950 1,342,860 1,415,610 1,458,110
655,450 700,990 737,460 789,990 825,140 859,740 883,200
345,260 379,370 384,500 403,610 425,480 459,390 471,670
71,070 73,450 77,240 85,350 92,240 96,480 103,240
236,730 259,950 291,010 308,310 336,220 361,150 387,920
468,260 505,450 560,670 613,130 674,850 724,420 785,420
635,820 817,890 880,880 964,850 1,008,100 1,095,070 1,095,510
161,900 157,000 159,060 164,930 180,610 177,910 203,620
22,490 27,980 29,560 32,190 34,580 38,660 35,520
48,180 49,250 51,300 52,510 52,990 53,990 55,290
238,880 288,440 281,320 317,290 317,020 354,970 337,830
226 231 236 241 244 249 254
2QYF19 3QYF19 4QYF19 1QYF20 2QYF20 3QYF20 4QYF20

241,996 258,903 263,333 273,916 281,663 293,697 298,851
188,277 203,063 210,195 218,047 225,140 234,246 240,446
50,422 53,190 50,469 52,478 50,917 52,031 50,907
124,362 133,135 132,438 140,973 146,512 151,968 146,810
117,634 125,768 130,895 132,943 135,150 141,729 152,041
40,156 49,210 48,712 49,703 55,887 66,693 60,326
(328) 4,740 2,289 2,120 4,807 6,765 (8,692)
157,790 174,978 179,607 182,645 191,038 208,422 212,366
62,991 67,193 71,171 71,173 74,057 78,968 82,779
19,092 19,676 20,744 22,174 23,551 24,550 24,983
43,898 47,517 50,427 48,999 50,506 54,418 57,796
94,800 107,784 108,436 111,472 116,981 129,454 129,587
18,200 22,115 18,892 26,137 27,007 30,436 37,845
76,600 85,669 89,544 85,336 89,974 99,019 91,742
26,543 29,810 30,693 29,654 26,524 24,854 22,466
50,057 55,859 58,851 55,682 63,450 74,165 69,276
9 10 11 10 12 14 13
7,508,381 7,809,512 8,194,012 8,297,298 8,969,838 9,360,295 9,832,815

3,000,859 2,797,532 2,905,879 2,985,032 3,071,480 3,112,941 3,322,384
1,372,321 1,429,676 1,492,063 1,556,381 1,557,629 1,635,908 1,701,034
1,427,186 1,234,598 1,170,851 1,008,941 922,362 1,132,772 1,154,320
8,333,641 8,525,019 9,231,409 9,545,537 10,216,149 10,674,335 11,262,319
11,698,979 11,685,563 12,445,407 12,652,529 13,250,720 13,953,356 14,845,704
15,842,022 16,334,531 17,425,422 17,842,835 19,185,987 20,034,630 21,095,134
1,151,310 1,119,050 1,424,980 1,256,630 1,367,910 1,439,000 -

2,345,680 2,351,790 2,487,000 2,533,380 2,644,450 2,779,280 -
4,836,651 5,054,179 5,319,429 5,755,527 6,203,789 6,456,055 11,262,319
42.0% 40.7% 42.4% 39.7% 39.3% 39.5% 45.4%
5,020,454 5,202,687 5,419,003 5,808,082 6,139,201 6,634,271 -
118.1% 126.1% 117.7% 125.5% 132.5% 140.3% 0.0%
100,977 109,029 112,242 117,690 125,082 134,273

30,282 33,015 32,145 35,672 37,910 44,684
1.3% 1.4% 1.4% 1.4% 1.4% 1.4%
0.4% 0.4% 0.4% 0.4% 0.4% 0.5%
70.0% 69.7% 71.4% 69.7% 69.7% 66.7% #DIV/0!
- - - - - - -
32,850 40,000 35,770 42,250 37,140 53,390 -

27,259 31,948 32,557 36,802 29,748 44,199 -
25.4% 28.1% 27.1% 27.2% 29.3% 32.0% 28.4%

39.9% 38.4% 39.6% 39.0% 38.8% 37.9% 39.0%
90.1% 91.6% 88.8% 86.9% 87.8% 87.7% 87.3%
10.3% 10.6% 10.5% 10.6% 10.4% 10.2% 10.0%
7.0% 7.3% 7.1% 7.1% 6.7% 6.7% 6.3%
0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
5.2% 5.5% 5.3% 5.4% 5.4% 5.3% 4.8%
4.3% 4.3% 4.4% 4.3% 4.2% 4.2% 4.2%
1.8% 2.0% 2.0% 1.8% 2.0% 2.2% 1.9%
16.4% 15.9% 16.1% 14.6% 16.3% 18.6% 16.6%
1.0% 1.2% 0.9% 1.3% 2.4% 1.3% 1.6%
17.1% 17.3% 17.1% 16.9% 17.5% 18.5% 0.0%

15.6% 15.8% 15.8% 15.6% 16.2% 17.1% 0.0%
13,018 13,160 13,160 13,395 13,514 14,533 -

4,825 4,963 5,103 5,130 5,314 5,345 -
94,907 96,425 98,061 104,154 111,208 113,981 -
32,956 36,468 36,921 35,516 40,545 45,268 40,457

1.0% 1.2% 0.9% 1.3% 2.4% 1.3% 1.6%
1.8% 2.0% 1.7% 2.0% 1.7% 2.3% 0.0%
5,097,240 5,318,560 5,474,740 5,581,490 5,808,540 6,074,780 -

225,251 234,285 245,820 248,919 269,095 187,206 -
2,185,890 2,256,666 2,473,452 2,466,889 2,892,203 3,098,309 -
478,750 517,990 513,720 557,810 600,290 617,410 -

1,527,580 1,572,720 1,580,830 1,586,200 1,562,520 1,582,310 -
919,200 930,230 913,830 920,860 907,480 922,050 -
495,480 528,800 554,290 552,000 542,720 547,710 -
112,900 113,690 112,710 113,340 112,320 112,550 -
405,350 448,390 466,300 495,230 520,430 576,780 -
841,450 895,500 938,060 979,860 1,028,610 1,101,740 -
1,170,390 1,204,290 1,250,140 1,260,990 1,365,780 1,425,990 -
210,230 224,030 227,710 223,100 228,240 268,120 -
35,800 34,550 35,980 33,500 32,520 32,080 -
57,010 57,600 58,380 59,240 60,860 61,190 -
370,680 363,490 403,620 385,560 409,290 409,160 -
FY00 FY01 FY02 FY03 FY04 FY05
CAPITAL AND LIABILITIES FY00 FY01 FY02 FY03 FY04 FY05
Capital 2,433 2,436 2,814 2,821 2,848 3,099
Equity Paid Up 2,433 2,436 2,814 2,821 2,848 3,099
Preference capital - - - - - -
Reserves and Surplus 5,082 6,695 16,609 19,628 24,071 42,100

Total Share Premium 1,663 1,711 9,195 9,297 9,774 22,747
Total Revaluation Reserve - - - - - -
ESOPs o/s (net) - - - - - -
Deposits 84,277 116,581 176,538 223,761 304,089 363,543

CA 27,799 28,560 42,202 49,510 88,351 106,305
SA 11,250 19,030 29,575 46,631 78,043 114,184
Term 45,229 68,991 104,762 127,620 137,694 143,054
Daily Average CASA Ratio
Borrowings 15,605 14,251 20,230 24,847 29,078 52,900

Borrowings in India 14,105 12,251 18,230 20,766 16,477 38,010
Borrowings Outside India - - - 80 6,601 9,890
Tier I and Tier II Bonds 1,500 2,000 2,000 4,000 6,000 5,000
Other Liabilities & Provisions 8,982 16,132 22,000 33,769 63,717 53,419
Defered tax Liability - - 317 584 730 770
Other Liabilities and Provisi 8,982 16,132 21,683 33,185 62,987 52,649
TOTAL Liabilities 116,379 156,096 238,191 304,825 423,802 515,060

growth y-y (%) 34.1% 52.6% 28.0% 39.0% 21.5%
Leverage 15.49 17.10 12.27 13.59 15.75 11.40
ASSETS FY00 FY01 FY02 FY03 FY04 FY05

Cash & Balances with RBI 8,498 9,864 12,112 20,820 25,420 26,501
Cash in hand - 574 1,129 1,667 2,542 3,536
Bal with RBI 8,498 9,290 10,983 19,153 22,878 22,966
Balances with Banks & money at C 7,678 16,361 22,470 10,873 10,081 18,239
In India - - 2,341 4,442 3,240 14,521
Outside India 7,678 16,361 20,129 6,430 6,841 3,718
Investments 57,483 71,451 120,040 133,881 193,635 193,498

0
Advances 33,623 46,367 68,137 117,549 177,445 255,663
Term Loans 13,231 25,437 37,511 65,243 108,099 153,744
Others 20,391 20,930 30,626 52,306 69,346 101,920
Fixed Assets 2,368 2,897 3,711 5,286 6,179 7,083

Gross Block 3,405 4,268 5,730 8,226 10,303 12,584
Less: Accumulated Deprecia 1,037 1,371 2,019 2,941 4,123 5,501
Other Assets 6,912 9,234 11,721 16,417 11,042 14,076

Interest accrued 1,621 2,359 4,557 6,630 4,304 5,138
Others 5,291 6,875 7,164 9,787 6,738 8,938
TOTAL Assets 116,561 156,173 238,191 304,825 423,802 515,060

B/S Check 183 78 - - (0) -
Total Business 117,900 162,948 244,675 341,309 481,534 619,206

Contingent Liabilities - - - - - -
Bills for collection 7,614 12,298 13,234 13,368 15,109 23,921
Profit & Loss Statement
Interest Earned 6,799 12,595 17,030 20,136 25,489 30,935

Interest/Discount on Advance/Bills 2,670 4,932 6,239 7,773 11,087 16,637
Income on Investments 3,668 6,356 8,640 11,130 13,222 13,115
Interest on Balance with RBI & Others 456 1,306 2,140 1,204 1,110 1,181
Others 5 1 11 29 71 2
Interest expended 3,743 7,538 10,737 11,920 12,111 13,156

Interest on Deposits 2,866 6,390 9,155 10,633 10,383 11,076
Interest on RBI/Inter-Bank Borrowings 681 948 1,329 1,033 1,436 1,662
Other Interest 196 200 254 254 291 418
Net Interest Income 3,056 5,057 6,293 8,217 13,379 17,779
Other Income 1,255 1,869 3,341 4,677 4,914 7,311

Commission , Exchange & Brokerage 832 1,341 1,645 2,364 3,204 6,050
Profit on sale of Investment(Net) 213 115 1,038 1,325 378 -
Profit on Exchange Transactions(Net) 209 399 391 445 740 912
Miscellaneous Income 1 14 266 543 593 350
Sale of Investments
Recovery from W/O accounts
Total Income 4,310 6,926 9,633 12,893 18,293 25,090
Operating Expenses 1,714 3,103 4,180 5,771 8,100 10,854

Payments to / Provisions for employees 485 780 1,092 1,520 2,041 2,767
Depreciation on Bank's property 265 539 690 1,061 1,257 1,441
Other Expenditure 964 1,784 2,397 3,190 4,802 6,647
Pre-provising profits 2,596 3,823 5,454 7,123 10,193 14,236
Provisions & Contingencies 648 672 1,200 1,414 3,003 4,447

Provision of Dimunition in value of invest 58 - - - - -
Provision for Contingencies - - 141 - 167 -
Provision for NPAs 536 530 858 884 1,783 1,762
Other Provisions & Write Offs 54 142 202 530 1,053 2,685
Provision for Std. assets
Profit Before tax 1,949 3,151 4,254 5,709 7,190 9,789
Extraordinary item
Provision for Tax 748 1,049 1,283 1,833 2,095 3,134
Net Profit for the year 1,200 2,101 2,970 3,876 5,095 6,656
- % growth y-y 75.0% 41.4% 30.5% 31.4% 30.6%
21.5%
APPROPRIATIONS
Proposed Dividend / Transfer to Governme 362 537 703 959 1,129 1,597
Balance c/f to Balance Sheet 838 1,564 2,267 2,917 3,966 5,059
Schedules
Breakup of Core Fee Income FY00 FY01 FY02 FY03 FY04 FY05
Trade & Remittances
Foreign Exchange Income
TPP Distribution Income
General banking fees
Loan Processing Fees
Investment banking fees
Total Core Fee Income
Break up of Bancassurance income FY00 FY01 FY02 FY03 FY04 FY05

Bancasurrance income
Life Insurance
-HDFC Standard life
Non-Life insurance
-from HDFC Ergo
Mutual Fund
-From HDFC AMC
Statistical FY00 FY01 FY02 FY03 FY04 FY05

No. of branches
Branches in Rural/ Semi-Urban
Cities
POS Installed ('000)
Debit Card (mn)
Credit Card (mn)
Basic Banking Savings Deposit accounts (mn)
No. of employees
No. of ATMs
semi-urban/rural branch (%)
Employee/branch
Form 20F data
Segment Revenue FY00 FY01 FY02 FY03 FY04 FY05

Retail
Wholesale
Treasury
Other Banking Operations
Total
*Retail includes retail/ SME
Cards
No. of Credit Cards issued
Debit Cards
Asset Categorisation FY00 FY01 FY02
Net advances from B/S 33,623 46,367 68,137
Movement in NPAs FY00 FY01 FY02

Opening Balance 1,468
Additions during the year 912
Reductions during the year 151
-of which write-offs
-Upgradations
-Recoveries
Balance at the end of the year 1,468 2,229
Slippages (%)
Reductions, as % of opening gross NPA (RHS)
Reductions excluding write-off, as % of opening gross NPA (RHS)
Movement in Net NPAs FY00 FY01 FY02

Opening
Provisions made during the year
Less write off, write back of excess provisioning
Closing
Write-off (%)
Coverage (%)- RHS
Movement in Provision for NPAs FY00 FY01 FY02

Opening 1,261
Provisions made during the year 854
Less write off, write back of excess provisioning 230
Closing 1,261 1,885
Write-off (%)
Coverage (%)- RHS 85.9% 84.6%
GROSSNPA Gross NPA 1,468 2,229

GROSSNPARGross NPA % 3.17 3.27
NETNPA Net NPA 207 344
NETNPARATNet NPA % 0.45 0.50
Floating Provisions - -
Provision for standard assets
Consol. Gross NPA Classification FY00 FY01 FY02

Sub Standard
Doubtful
Doubtful 1
Doubtful 2
Doubtful 3
Loss
Total NPA
Gross NPA Classification (%) FY00 FY01 FY02

Sub Standard
Doubtful
Loss
Total NPA
Credit Costs break up

Bad Debt written off and provision for NPA - Corporate loan book
Bad Debt written off and provision for NPA - Consumer finance division
Total Credit Cost
Sector-wise Gross NPAs: FY00 FY01 FY02

Priority Sector
Agriculture & allied activities
Industry (Micro & small, Medium and Large)
Services
Personal Loans
Non-Priority Sector
Services
Personal Loans
Total
Services
Personal Loans
Sector-wise Net NPAs: FY00 FY01 FY02

Services
Personal Loans
Movement in Provision held towards depreciati FY00 FY01 FY02

Opening
Closing
Amount of Non Performing Investments FY00 FY01 FY02
Gross NPI
Provisions held for NPI
Net NPI
Movement of provision for depreciation on inv FY00 FY01 FY02

Opening
Closing
Composition of Total customer assets (standal FY00 FY01 FY02

Standard assets
Of which: Restructured assets
Non-performing assets
Of which: Sub-standard assets
Doubtful assets
Loss assets
Total customer assets
Net customer assets
% restructured assets
% Gross NPA/ Customer assets
% Net NPA/ Net Customer assets
Restructuring details
Total
No. of Borrowers
Amount O/S
Sacrifice
% sacrifice
Under CDR
No. of Borrowers
Amount O/S
Sacrifice
% sacrifice
Under SME
No. of Borrowers
Amount O/S
Sacrifice
% sacrifice
Others
No. of Borrowers
Amount O/S
Sacrifice
% sacrifice
Provisioning against NPA non- SLR investments FY00 FY01 FY02
Opening Balance
Additions
Deductions
Closing
Movement of Floating Provisions

Opening Balance
Additions
Deductions
Closing
Issuer-wise Non-SLR investment portfolio

PSU
of which: Private placement
of which: Below investment grade
of which: Unrated securities
of which: unlisted securities
Financial institutions
Banks
Private Corporates
Subsidiaries/Joint Ventures
Others
Gross Total
Provision held towards depreciation
Total
NPA Divergence
GNPA as reported by bank
GNPA as assessed by RBI
Divergence in GNPA
- as % of gross Advances
Net NPA as reported by Bank
Net NPA as assessed by RBI
Divergence in NNPA
- as % of Net Advances
Provision for NPAs as reported by Bank
Provision for NPAs as assessed by RBI
Divergence in Provisioning
- as % of PPOP
FY03 FY04 FY05 FY06 FY07 FY08 FY09
117,549 177,445 255,663 350,613 469,448 634,269 988,830

2,229 2,655 3,356 4,392 5,089 6,578 9,070
1,064 1,073 2,583 5,690 7,786 12,028 34,133
638 371 1,548 4,993 6,297 9,536 23,322
2,655 3,356 4,392 5,089 6,578 9,070 19,881
1.1% 0.7% 1.2% 1.9% 1.9% 2.2% 4.2%

28.6% 14.0% 46.1% 113.7% 123.7% 145.0% 257.1%

1,885 2,225 3,077 3,785 3,537 4,549 6,085
883 1,507 2,160 4,582 7,239 11,047 30,129
543 656 1,451 4,831 6,228 9,511 22,609
2,225 3,077 3,785 3,537 4,549 6,085 13,605
83.8% 91.7% 86.2% 69.5% 69.2% 67.1% 68.4%
2,655 3,356 4,392 5,089 6,578 9,070 19,881

2.26 1.89 1.72 1.45 1.40 1.43 2.01
429 280 606 1,552 2,029 2,985 6,276
0.37 0.16 0.24 0.44 0.43 0.47 0.63
- - - - - - -

16,475
1,858
1,548
19,881

82.9%
9.3%
7.8%
100.0%


FY07 FY08 FY09

1,258,306 1,599,827 1,954,200 2,397,206 3,030,003 3,654,950 4,645,940

19,881 18,168 16,943 19,994 23,346 29,893 34,384
26,109 14,231 15,749 31,378 46,218 47,901 57,126
27,822 15,456 12,699 28,026 39,672 43,410 47,582
22,487 11,685 9,413 11,520 14,817 18,513 19,424
662 24 13,771
4,308 3,746 14,387
18,168 16,943 19,994 23,346 29,893 34,384 43,928
2.3% 1.0% 0.9% 1.4% 1.7% 1.4% 1.4%

139.9% 85.1% 74.9% 140.2% 169.9% 145.2% 138.4%
20.8% 19.4% 82.6% 106.5% 83.3% 81.9%

6,276 3,921 2,964 3,523 4,690 8,200 8,963
- 351 1,765 9,407 16,587 14,613 19,684
2,356 1,308 1,206 8,241 13,076 13,851 15,443
3,921 2,964 3,523 4,690 8,200 8,963 13,204
38% 33% 41% 234% 279% 169% 172%
78.4% 82.5% 82.4% 79.9% 72.6% 73.9% 69.9%

13,605 14,247 13,979 16,471 18,656 21,692 25,420
26,513 14,332 13,984 21,971 29,631 33,288 37,443
25,870 14,599 11,493 19,786 26,596 29,560 32,139
14,247 13,979 16,471 18,656 21,692 25,420 30,724
78.4% 82.5% 82.4% 79.9% 72.6% 73.9% 69.9%
18,168 16,943 19,994 23,346 29,893 34,384 43,928

1.44 1.06 1.02 0.97 0.99 0.94 0.95
3,920 2,964 3,523 4,690 8,201 8,964 13,205
0.31 0.19 0.18 0.20 0.27 0.25 0.28
- 7,350 14,350 18,350 18,350 13,356
7,635 9,208

10,641 7,440 9,693 9,509 15,345 18,141 27,677
3,593 4,778 5,755 9,210 11,142 12,844 13,740
3,079 3,602 3,535 4,953 4,035 5,612 6,893
204 897 1,855 3,310 5,810 3,839 3,653
311 279 366 947 1,297 3,394 3,195
3,985 4,768 4,584 5,021 4,520 5,034 5,532
21,812 16,985 20,032 23,739 31,008 36,019 46,948

48.8% 43.8% 48.4% 40% 49% 50% 59%
16.5% 28.1% 28.7% 39% 36% 36% 29%
18.3% 28.1% 22.9% 21% 15% 14% 12%
100.0% 100.0% 100.0% 100% 100% 100% 100%
0.9% 0.5% 0.9% 0.90% 1.18%

1.5% 1.7% 1.3% 1.04% 0.99%
3.9% 1.6% 0.9% 0.60% 0.75%
1.1% 0.6% 0.5% 0.62% 0.80%

584 425 2,269 2,383 1,750 1,140
151 1,845 1,055 628 76 365
311 0 941 1,261 670 310
425 2,269 2,383 1,750 1,155 1,195
179 1,124 1,655 1,109 1,048 893
173 1,121 1,583 1,015 977 853
5 3 72 94 72 40

584 425 2,269 2,383 1,750 1,155
151 1,845 1,055 628 76 365
311 0 941 1,261 670 315
425 2,269 2,383 1,750 1,155 1,205
#DIV/0! #DIV/0! #DIV/0!

#DIV/0! #DIV/0! #DIV/0!
#DIV/0! #DIV/0! #DIV/0!
18 25 23 19 20 19
3,679 6,373 5,281 4,915 5,164 4,967
117 408 187 181 255 95
3.2% 6.4% 3.5% 3.7% 4.9% 1.9%
10 17 16 12 10 10
2,780 5,783 4,920 4,522 3,074 2,788
110 396 183 178 79 31
4.0% 6.8% 3.7% 3.9% 2.6% 1.1%
- - - - - -
- - - - - -
- - - - - -
#DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0!
8 8 7 7 10 9
900 591 361 393 2,091 2,179
7 12 4 2 176 64
0.8% 2.0% 1.2% 0.6% 8.4% 2.9%
22 179 1,124 1,620 1,074 1,013

156 945 980 5 5 191
- - 484 551 66 334
179 1,124 1,620 1,074 1,013 870

150 650 14,350 18,350 18,350 15,230
500 6,700 4,000 300 - 1,150
- - - 300 3,118 3,000
650 7,350 18,350 18,350 15,232 13,360
FY13 FY14 FY15 FY16

FY17A FY18 FY19 FY20E FY21E FY22E
5,545,682 6,583,331 8,194,012 9,832,815 10,717,768 12,003,900

43,928 58,857 86,070 112,242 140,984 273,013
71,262 129,590 143,820 180,268 308,259 227,217
56,333 102,377 117,648 151,526 176,230 191,109
23,859 32,658 45,804
15,194 41,636 32,520
17,280 28,083 39,325
58,857 86,070 112,242 140,984 273,013 309,121
1.4% 2.1% 1.9% 2.0% 3.0% 2.0%

128.2% 173.9% 136.7% 135.0% 125.0% 70.0%
73.9% 118.5% 83.5%

13,204 18,440 26,010 32,145 37,904 100,061
23,579 49,178 49,464
18,343 41,608 43,329
18,440 26,010 32,145 37,904 100,061 68,004
139% 226% 180% 200% 200% 200%
68.7% 69.8% 71.4% 73.1% 63.3% 78.0%

30,724 40,416 60,059
47,683 80,412 94,357
37,991 60,769 74,320
40,416 60,059 80,096 103,080 172,952 241,117
68.7% 69.8% 71.4%
58,857 86,070 112,242 140,984 273,013 309,121

1.06 1.31 1.37 1.43 2.55 2.58
18,441 26,011 32,145 37,904 100,061 68,004
0.33 0.40 0.39 0.39 0.93 0.57
12,480 14,513 14,513

37,095 55,045 68,372
17,306 27,302 40,776
9,892 12,658 21,134
4,694 11,430 14,733
2,720 3,215 4,909
9,166 10,649 12,604
63,567 92,996 121,752

58% 59% 56%
27% 29% 33%
14% 11% 10%
100% 100% 100%
FY17E FY18E FY19E FY19E FY19E FY19E

2.28% 2.13%
3.42% 4.29%
1.70% 0.86%
1.87% 1.45%
0.09% 0.09%
0.92% 1.06%
1.06% 2.10%
1.26% 1.12%
0.72% 0.99%
0.82% 1.02%
1.28% 1.35%
3.04% 4.06%
1.34% 1.08%
1.01% 1.13%
0.74% 0.91%

1,195 645 2,602
373 2,049 516
924 92 371
645 2,602 2,747
539 944 906
390 780 773
149 164 133

1,205 655 2,615
373 2,053 516
924 92 371
655 2,615 2,760
15 14 13
3,115 16,121 3,095
60 49 43
1.9% 0.3% 1.4%
6 5 4
984 852 567
39 33 29
3.9% 5.1%
- - -
- - -
- - -
#DIV/0! #DIV/0! #DIV/0!
9 9 9
2,132 15,269 2,528
21 16 14
1.0% 0.1% 0.6%
870 516 921

346 410 -
701 5 38
516 921 883

13,360 12,480 14,513
250 5,240 -
1,126 3,207 -
12,484 14,513 14,513
FY17A FY18 FY19

22251.8 2,253 6,691
21,747 1,000 6,691
14003.1 47,233 23,453

13,600 14,142 12,604
7003.6 8,392 5,460

800 2,300
410694.1 338,301 291,010

393,373 293,758 258,788
- - 250
335 395 212
37,936 51,064 41,344
38433.2 38,265 38,265
38,433 38,265 38,265
28705.4 102,282 139,918

28,605 22,125 49,764
13
521,091 536,726 504,796

644.8 2,590 2,747
520,446 534,136 502,049
58,857
79,374
20,518
0.4%
18,440
31,024
12,584
0.2%
40,417
48,351
7,934
3.1%
Assumptions FY15 FY16 FY17A FY18 FY19
- - - - - -
- - - - - -
Slippages (%) as a % of advances 1.43% 1.38% 1.40% 2.14% 1.95%

Reductions, as % of opening gross NPA 145.2% 138.4% 128.2% 173.9% 136.7%
FY20E FY21E FY22E Sensitivity FY17A FY18
- - -
- - -
2.0% 3.0% 2.0% Slippages a 1.40% 2.14%

135.0% 125.0% 70.0%
FY19 FY20E FY21E FY22E
1.95% 2.00% 3.00% 2.00%

100 FY00 FY01 FY02 FY03
Capital Adequacy
TIER1RATIOCAR - Tier I 10.3% 6.8% 10.8% 9.5%
CET 1
TIER2RATIOCAR - Tier II 0.0% 3.4% 3.1% 1.6%
CRAR Total 10.3% 10.2% 13.9% 11.1%
Total Capital FY00 FY01 FY02 FY03

Tier I Capital 5,582 8,070 18,312 20,023
Core Tier I Capital
Tier II Capital 13 - 2,718 2,985
Total Capital 5,594 8,070 21,030 23,008
Risk Weighted Assets FY00 FY01 FY02 FY03

CREDITRWACredit RWA
Market RWA
Operational Risk RWA
RWA Tota Risk Weighted assets - - 143,525 199,348
-as % of total assets 60% 65%
Check FY00 FY01 FY02 FY03

Tier 1 Ratio 1.95% 0.55%
Tier II Ratio -1.23% -0.13%
Exposure Category (Rs. Mn) FY00 FY01 FY02 FY03

Less than 100% Risk weight
100% Risk Weight
More than 100% Risk Weight
Deducted from Capital
Total
Exposure Category (in %) FY00 FY01 FY02 FY03

Less than 100% Risk weight
100% Risk Weight
More than 100% Risk Weight
Deducted from Capital
Total
8.0% 9.6% 8.6% 8.6% 10.3% 10.6% 13.3%
3.6% 2.6% 2.9% 4.5% 3.3% 5.1% 4.2%

11.7% 12.2% 11.4% 13.1% 13.6% 15.7% 17.4%

22,803 40,332 52,780 64,116 110,630 136,903 205,489
134,903 203,489
4,822 8,680 12,719 26,261 35,484 66,049 64,919
27,624 49,012 65,499 90,377 146,113 202,952 270,408

1,147,563 1,355,144
60,129 65,025
86,135 129,661
268,964 352,830 460,340 577,191 1,074,480 1,293,827 1,549,830
63% 69% 63% 63% 81% 71% 70%

0.45% 1.83% 2.92% 2.54% 0.00% 0.00% 0.00%
-1.84% -0.10% -0.10% 0.04% 0.00% -0.01% 0.01%

454,706 640,690
440,834 568,586
329,992 397,269
- -
1,225,532 1,606,544

37.10% 39.88%
35.97% 35.39%
26.93% 24.73%
0.00% 0.00%
100.00% 100.00%
12.2% 11.6% 11.1% 11.8% 13.7% 13.2%
4.0% 4.9% 5.7% 4.3% 3.1% 2.3%

16.2% 16.5% 16.8% 16.1% 16.8% 15.5%

237,184 280,675 338,811 406,545 577,221 700,325
235,184 406,545 577,221 700,325
77,438 118,990 175,192 148,556 132,442 122,434
314,622 399,665 514,004 555,101 709,663 822,760

1,672,032 2,195,596 2,742,424 3,170,468 3,871,317 4,505,999
101,680 51,062 152,588 115,591 195,585 252,865
165,891 210,298 250,718 312,232 379,382 484,204
1,939,603 2,418,963 3,058,789 3,453,009 4,226,699 5,297,681
70% 72% 76% 70% 72% 72%

0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.01% 0.00% 0.00% 0.00%

830,386 1,047,309 1,262,143 1,812,818 2,050,064 2,472,053
679,295 799,327 984,787 1,406,668 1,806,594 2,042,222
505,324 652,028 865,084 948,648 1,160,514 1,709,163
- - - 18 18 8
2,015,004 2,498,663 3,112,014 4,168,153 5,017,191 6,223,446

41.21% 41.91% 40.56% 43.49% 40.86% 39.72%
33.71% 31.99% 31.64% 33.75% 36.01% 32.81%
25.08% 26.10% 27.80% 22.76% 23.13% 27.46%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
12.8% 13.3% 15.8% 14.9 14.9 14.8

12.3% 14.9%
1.8% 1.6% 1.3% 1.1 1.0 0.9
14.6% 14.8% 17.1% 16.0 15.9 15.7

818,293 1,060,049 1,470,228 1,666,010 1,817,071 2,019,134
818,293 980,049 1,391,728
113,027 125,355 124,349 123,947 123,947 123,947
931,320 1,185,404 1,594,576 1,789,957 1,941,018 2,143,081
6,400,299 8,001,260 9,319,299 11,183,158 12,189,643 13,652,400

74% 75% 75% 75% 75% 74%

0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
0.01% 0.00% 0.00% 0.00% 0.00% 0.00%

3,159,435 3,643,651 4,855,300
2,048,262 1,994,533 2,174,385
2,201,274 3,155,223 3,650,533
671 18 1,509
7,409,642 8,793,426 10,681,727

42.64% 41.44% 45.45%
27.64% 22.68% 20.36%
29.71% 35.88% 34.18%
0.01% 0.00% 0.01%
100.00% 100.00% 100.00%
Assumptions FY14 FY15 FY16 FY17A
- - - - -
- - - - -
RWA growth (%) 12.9% 22.4% 25.3% 20.8%
-
-
-
-
-
- - - - -
- - - - -
25.0% 16.5% 20.0% 9.0% 12.0%

Particulars FY13
Yield on Loans and Advances 12.3%
Yield on Investments 7.6%
Cost of Funds 6.4%
Advances (A) 2,397,206
Investments (B) 1,116,136
Cash and Balances with RBI 146,274
Balances with Bank 126,528
Interest Earning Assets (C)(A+B) 3,786,144
Average Interest Earning Assets (D) 3,462,275
NII/Avg Int Earning Assets 4.6%
Non Int Inc/Avg Int Earning Assets 2.0%
Total Income/Avg Int Earning Assets 6.5%
Op. Costs/Avg Int Earning Assets 3.2%
PPI/Avg Int Earning Assets 3.3%
Provisions/Avg Int Earning Assets 0.5%
Taxes/Avg Int Earning Assets 0.9%
Return on Avg Int Earning Assets 1.9%
Extraordinary item 0.0%
Adj Return on Avg Int Earning Assets 1.9%
Productivity (Avg Int Earning Assets/Avg Total Assets) 93.8%
Return on Average Total Assets 1.8%
Leverage (Average Total Assets/Average Equity) 11.2
Return on Average Equity 20.3%
GNPA 23,346
% GNPA 1.0%
NNPA 4,690
% NNPA 0.2%
PCR (computed) 79.9%
FY14 FY15A FY16A FY17A
11.7% 11.1% 10.8% 10.2%
7.9% 7.4% 8.3% 7.9%
6.2% 5.8% 5.8% 5.4%
3,030,003 3,654,950 4,645,940 5,545,682
1,209,511 1,516,418 1,958,363 2,144,633
253,456 275,105 300,583 378,969
142,380 88,210 88,605 110,552
4,635,350 5,534,682 6,993,491 8,179,836
4,210,747 5,085,016 6,264,087 7,586,664
4.4% 4.4% 4.4% 4.4%
1.9% 1.8% 1.7% 1.6%
6.3% 6.2% 6.1% 6.0%
2.9% 2.8% 2.7% 2.6%
3.4% 3.4% 3.4% 3.4%
0.4% 0.4% 0.4% 0.5%
1.0% 1.0% 1.0% 1.0%
2.0% 2.0% 2.0% 1.9%
0.0% 0.0% 0.0% 0.0%
2.0% 2.0% 2.0% 1.9%
94.4% 94.0% 94.1% 94.6%
1.9% 1.9% 1.8% 1.8%
11.2 10.3 9.9 9.9
21.3% 19.4% 18.3% 17.9%
29,893 34,384 43,928 58,857

1.0% 0.9% 0.9% 1.1%
8,201 8,964 13,205 18,441
0.3% 0.2% 0.3% 0.3%
72.6% 73.9% 69.9% 68.7%
FY18A FY19A FY20E FY21E
10.3% 10.5% 10.1% 9.9%
7.2% 7.6% 7.3% 7.2%
4.9% 5.2% 5.2% 5.3%
6,583,331 8,194,012 9,832,815 10,717,768
2,422,002 2,905,879 3,322,384 3,754,294
1,046,705 467,636 670,499 690,320
182,446 345,840 416,706 470,878
10,234,484 11,913,367 14,242,403 15,633,260
9,207,160 11,073,926 13,077,885 14,937,831
4.4% 4.4% 4.3% 4.0%
1.7% 1.6% 1.7% 1.6%
6.0% 5.9% 5.9% 5.6%
2.5% 2.4% 2.3% 2.2%
3.5% 3.6% 3.6% 3.3%
0.6% 0.7% 0.9% 1.3%
1.0% 1.0% 0.8% 0.5%
1.9% 1.9% 2.0% 1.5%
0.0% 0.0% 0.0% 0.0%
1.9% 1.9% 2.0% 1.5%
95.5% 95.9% 95.8% 95.9%
1.8% 1.8% 1.9% 1.5%
9.8 9.0 8.5 8.7
17.9% 16.5% 16.2% 12.8%
86,070 112,242 140,984 273,013

1.3% 1.4% 1.4% 2.5%
26,011 32,145 37,904 100,061
0.4% 0.4% 0.4% 0.9%
69.8% 71.4% 73.1% 63.3%
FY22E
9.9%
7.1%
5.2%
12,003,900
4,279,895
784,468
536,800
17,605,064
16,619,162
4.0%
1.6%
5.5%
2.2%
3.3%
0.9%
0.6%
1.8%
0.0%
1.8%
95.8%
1.7%
8.8
14.8%
309,121
2.6%
68,004
0.6%
78.0%
2004 2005 2006 2007 2008 2009 2010
Equity 2,848 3,099 3,131 3,194 3,544 4,254 4,577
Reserves 24,071 42,100 49,864 61,138 111,428 146,273 210,648
Net Worth 26,919 45,199 52,995 64,332 114,972 150,527 215,225
Less net NPA 280 606 1,552 2,029 2,985 6,276 3,920
Tangible Net worth 26,639 44,592 51,444 62,303 111,987 144,251 211,304
Net Worth for EVA Calculations 26,639 44,592 51,444 62,303 111,987 144,251.1 211,304.4
Return on Networth 20.66 18.47 17.78 19.53 17.88 17.09 16.26

Cost of Equity 15.0% 15.0% 15.0% 15.0% 15.0% 15.0% 15.0%
Spread 5.66% 3.47% 2.78% 4.53% 2.88% 2.09% 1.26%
EVA, Rs mn 1,508 1,547 1,430 2,822 3,228 3,015.6 2,666.5

No. of Years 0.0 0.0 0.0 0.0 0.0 0.0 0.0
for FY10E 2,666

for FY11E
for FY12E
for FY13E
for FY14E
for FY15E
Rs Bn 4QFY14 1QFY15
Credit 3,030 3,121
Deposit 3,673 3,721
Credit Growth (qoq) 3.0%
Deposit Growth (qoq) 1.3%
C/D Ratio (%) - RHS 83.9%
Credit Growth (qoq) De

15%
12%
9%
6%
3%
0%
1QFY17
3QFY17
4QFY17
2QFY18
2QFY17
1QFY18
3QFY18
% 4QFY14 1QFY15
YoA 11.4%
CoF 5.9%
NIM - RHS 4.4%
YoA
12%
9%
6%
3%
2QFY17
3QFY17
2QFY18
3QFY18
1QFY17
4QFY17
1QFY18
Rs Bn 4QFY14 1QFY15
Current Account 615 543
Saving Account 1,031 1,056
CASA Ratio (%) - RHS 43.0%
Current Account Sav

3,000
2,500
2,000
1,500
1,000
500
3QFY17
1QFY18
1QFY17
2QFY17
4QFY17
2QFY18
3QFY18
% 4QFY14 1QFY15
GNPL 1.1%
NNPL 0.5%
Coverage Ratio - RHS 70.0%
GNPL N
1.6%
1.4%
1.2%
1.0%
0.8%
0.6%
0.4%
0.2%
0.0%
3QFY17
1QFY18
2QFY18
3QFY18
1QFY17
2QFY17
4QFY17
Loan Breakup (Rs Mn) 4QFY14 1QFY15

International Corporates -
Domestic Corporates -
Car Loans 405,150
CV loans 232,960
2 wheeler loans 41,330
Personal loans 216,480
Business banking 427,940
Loan against shares 9,930
Credit Cards 132,720
Home loans 195,740
Gold Loans 38,560
Kisan Gold loans 110,920
Other Retail 82,730
Total Advances 3,121,087
Loan Breakup (%) 4QFY14 1QFY15

International Corporates 0.0%
Domestic Corporates 0.0%
Car Loans 13.0%
CV loans 7.5%
2 wheeler loans 1.3%
Personal loans 6.9%
Business banking 13.7%
Loan against shares 0.3%
Credit Cards 4.3%
Home loans 6.3%
Gold Loans 1.2%
Kisan Gold loans 3.6%
Other Retail 2.7%
Total Advances 60.7%
3QFY18
3%
1% 5%
6%
5% 31%
1%
16%
13%
11%
7%
1%
Particulars 4QFY14 1QFY15

Employees 70,400
Branches 3,488
Total Cost 31,784
Core Income 69,972
Employee/Branch 20.2
Cost/Core Income - RHS 45.4%
Core Income Employee/Branch Cost/Core Income - R
250,000
200,000
150,000
100,000
50,000
0 1QFY17
2QFY17
3QFY17
4QFY17
1QFY18
2QFY18
4QFY18
2QFY19
3QFY19
4QFY19
3QFY18
1QFY19
Subsidiary data
HDFC Securities Pvt Ltd FY15 FY16
Total Income
Net Profit before other comprehensive income 1,333
Branches
Location
No .of Customers (Mn)
Stake by HDFC Bank
HDB Financial Services Ltd FY15 FY16

Total Assets
Total Loans & Advances
Net Interest Income
Net Profit before other comprehensive income
GNPA
NNPA
Tier 1 Ratio
CAR
Branches
Location
Stake by HDFC Bank
Particulars (in Rs Mn)

Gross NPAs as on March 31, 2017, as reported by the Bank 58,857
Gross NPAs as on March 31, 2017, as assessed by RBI 79,374
Divergence in Gross NPAs (2-1) 20,518
Net NPAs as on March 31, 2017, as reported by the Bank 18,440
Net NPAs as on March 31, 2017, as assessed by RBI 31,024
Divergence in Net NPAs (5-4) 12,584
Provisions for NPAs as on March 31, 2017, as reported by the Bank 40,417
Provisions for NPAs as on March 31, 2017, as assessed by RBI 48,351
Divergence in provisioning (8-7)* 7,934
Reported Net Profit after Tax (PAT) for the year ended March 31, 2017 145,497
140,282
Adjusted (notional) Net Profit after Tax (PAT) for the year ended March 31,
2017 after taking into account the divergence in provisioning
Particulars In Rs Mn
Divergence in Gross NPAs as at March 31, 2017 20,518
Upgraded based on JLF decision (see note 10b above) (17,072)
Net reductions (504)
Balance NPAs as at December 31, 2017 2,942
Internal Classfication (Rs mn) 4QFY14 1QFY15

Car Loans 405,150
CV loans 232,960
2 wheeler loans 41,330
Sub-total - Auto Loans 679,440
Personal loans 216,480
Business banking 427,940
Loan against shares 9,930
Credit Cards 132,720
Home loans 195,740
Gold Loans 38,560
Kisan Gold loans 110,920
Other Retail 82,730
Retail book 1,894,460
Wholesale book 1,226,627
Loan book 3,121,087
CIBIL Data
Average Ticket size of different loans 5-Year CAGR

General Business Loan -10.6%
Consumer Durable loans -6.5%
Loans against property -5.1%
Auto Loans 2.5%
CV loans 4.0%
2-wheeler loans 4.4%
Mortgage 5.6%
Personal loans 6.6%
Education Loans 18.3%
Per capita income growth 8.1%
Inflation growth 4.2%
Avergae consumer balance growth (Rs mn) Oct-14 Oct-15

Retail lending 1.1 1.2
Low ticket size products 0.5 0.6
High ticket size products 1.5 1.7
Per capita income
Retail Lending (No. of consumers in mn) Oct-14 Oct-15

SPSA customers 27.2 31.6
SPMA customers 2.8 3.1
MPMA customers 9.9 12.8
Total 39.9 47.5
Retail Lending (Share of total consumers) Oct-14 Oct-15

SPSA customers 68.2% 66.5%
SPMA customers 7.0% 6.5%
MPMA customers 24.8% 26.9%
Total 100.0% 100.0%
Consumer distributioncacross different loans SPSA SPMA

2-wheeler loans 67% 1%
Education loans 65% 1%
CV loans 54% 6%
Mortgage 46% 6%
General Business loans 49% 2%
Consumer durable loans 39% 7%
Credit cards 35% 10%
Auto loans 42% 3%
Personal loans 39% 4%
Loans against property 26% 3%
Average consumer balance (Rs mn) Oct-14 Oct-15

SPSA 302 321
SPMA 808 851
MPMA 3259 3692
Average account delinquency rate (90+ dpd) Near Prime Prime

SPSA 5.1% 2.4%
SPMA 3.7% 2.0%
MPMA 3.2% 1.8%
Internal Classfication (Rs mn) 3QFY19 4QFY19

Car Loans 930,230 913,830
CV loans 528,800 554,290
2 wheeler loans 113,690 112,710
Sub-total - Auto Loans 1,572,720 1,580,830
Personal loans 895,500 938,060
Business banking 1,204,290 1,250,140
Loan against shares 34,550 35,980
Credit Cards 448,390 466,300
Home loans 517,990 513,720
Gold Loans 57,600 58,380
Kisan Gold loans 363,490 403,620
Other Retail 224,030 227,710
Retail book 5,318,560 5,474,740
Wholesale book 2,490,952 2,719,272
Loan book 7,809,512 8,194,012
Movement of NPAs 1QFY19 2QFY19

Opening 86,070 95,386
Additions 35,480 32,850
-Core slippages 28,722 32,850
-non-Core/ Agri slippages 6,758 -
Reductions 26,164 27,259
Closing 95,386 100,977
20
2QFY15 3QFY15 4QFY15 1QFY16 2QFY16
- 3QFY16 4QFY16
3,273 3,471 3,655 3,820 4,185 4,364 4,646
3,907 4,141 4,508 4,842 5,069 5,240 5,464
4.9% 6.1% 5.3% 4.5% 9.6% 4.3% 6.5%
5.0% 6.0% 8.9% 7.4% 4.7% 3.4% 4.3%
83.8% 83.8% 81.1% 78.9% 82.6% 83.3% 85.0%
Credit Growth (qoq) Deposit Growth (qoq) C/D Ratio (%) - RHS
95%
90%
85%
80%
75%
70%
3QFY17
4QFY17
2QFY18
4QFY18
3QFY19
1QFY20
2QFY17
1QFY18
3QFY18
1QFY19
2QFY19
4QFY19
2QFY20
3QFY20
2QFY15 3QFY15 4QFY15 1QFY16 2QFY16 3QFY16 4QFY16

11.4% 11.3% 11.0% 11.2% 10.9% 10.7% 10.6%
6.0% 6.1% 5.9% 6.0% 5.9% 5.8% 5.8%
4.5% 4.4% 4.4% 4.3% 4.2% 4.3% 4.3%
YoA CoF NIM - RHS

4.5%
4.4%
4.4%
4.3%
4.3%
4.2%
4.2%
4.1%
4.1%
4.0%
3QFY17
2QFY18
3QFY18
4QFY18
1QFY19
2QFY19
1QFY20
2QFY20
4QFY17
1QFY18
3QFY19
4QFY19
3QFY20

578 571 736 669 698 740 884
1,108 1,123 1,249 1,249 1,315 1,354 1,479
43.2% 40.9% 44.0% 39.6% 39.7% 40.0% 43.2%
Current Account Saving Account CASA Ratio (%) - RHS

50%
45%
40%
35%
30%
3QFY17
1QFY18
4QFY18
2QFY19
1QFY20
3QFY20
2QFY17
4QFY17
2QFY18
3QFY18
1QFY19
3QFY19
4QFY19
2QFY20

1.0% 1.0% 0.9% 1.0% 0.9% 1.0% 0.9%
0.3% 0.3% 0.3% 0.3% 0.3% 0.3% 0.3%
72.7% 73.9% 73.9% 71.9% 72.9% 70.4% 69.9%
GNPL NNPL Coverage Ratio - RHS

72%
70%
68%
66%
64%
62%
60%
3QFY17
1QFY18
2QFY18
3QFY18
4QFY18
1QFY19
3QFY19
4QFY19
1QFY20
2QFY20
2QFY17
4QFY17
2QFY19
3QFY20

- - - - - 299,814 323,642
- - - - - 1,314,710 1,423,967
440,380 456,140 467,600 501,000 536,330 563,210 572,810
244,760 249,450 249,480 264,900 289,730 297,680 309,350
44,990 47,520 50,510 52,810 57,620 61,070 63,830
233,360 249,880 260,100 290,580 324,210 354,940 377,040
465,370 487,530 498,940 509,550 574,990 596,030 610,890
10,680 12,080 13,700 13,390 15,220 16,560 18,970
140,050 153,640 161,540 168,650 180,000 196,890 205,200
195,580 199,770 241,250 268,880 284,830 284,350 318,600
38,650 39,070 40,660 42,430 43,490 44,000 45,860
129,230 137,000 162,690 168,980 195,400 200,950 229,340
85,390 96,480 110,470 107,430 120,550 133,440 146,440
3,272,728 3,470,880 3,654,950 3,820,104 4,185,410 4,363,644 4,645,940

0.0% 0.0% 0.0% 0.0% 0.0% 6.9% 7.0%
0.0% 0.0% 0.0% 0.0% 0.0% 30.1% 30.6%
13.5% 13.1% 12.8% 13.1% 12.8% 12.9% 12.3%
7.5% 7.2% 6.8% 6.9% 6.9% 6.8% 6.7%
1.4% 1.4% 1.4% 1.4% 1.4% 1.4% 1.4%
7.1% 7.2% 7.1% 7.6% 7.7% 8.1% 8.1%
14.2% 14.0% 13.7% 13.3% 13.7% 13.7% 13.1%
0.3% 0.3% 0.4% 0.4% 0.4% 0.4% 0.4%
4.3% 4.4% 4.4% 4.4% 4.3% 4.5% 4.4%
6.0% 5.8% 6.6% 7.0% 6.8% 6.5% 6.9%
1.2% 1.1% 1.1% 1.1% 1.0% 1.0% 1.0%
3.9% 3.9% 4.5% 4.4% 4.7% 4.6% 4.9%
2.6% 2.8% 3.0% 2.8% 2.9% 3.1% 3.2%
62.0% 61.3% 61.8% 62.5% 62.7% 100.0% 100.0%
3QFY18 3QFY19 International Corporates

Domestic Corporates
Car Loans
3% 3% 3%
1% 5% 1% 5% CV loans
6% 7%
2 wheeler loans
31% Personal loans
6% 29%
Business banking
0%
Loan against shares
15% Credit Cards
Home loans
13%
11% 12% Gold Loans
7% 11%
7% Kisan Gold loans
1% Other Retail
1%

75,339 76,253 76,286 79,400 83,416 84,619 87,555
3,600 3,659 4,014 4,101 4,227 4,281 4,520
34,979 34,563 38,550 40,008 41,898 42,048 45,843
74,630 79,693 83,808 87,248 90,703 96,128 102,037
20.9 20.8 19.0 19.4 19.7 19.8 19.4
46.9% 43.4% 46.0% 45.9% 46.2% 43.7% 44.9%
anch Cost/Core Income - RHS
2500%
2000%
1500%
1000%
500%
0%
2QFY19
3QFY19
4QFY19
1QFY20
2QFY20
3QFY20
1QFY19
FY17 FY18 FY19

5,532 8,001 7,821
2,159 3,447 3,298
273 259 278
190 Cities 171 Cities 165 Cities
1.8
97.9% 97.7% 97.3%
FY17 FY18 FY19

334,561 447,540 565,400
322,918 442,680 547,090
20,372 28,822 33,788
6,842 9,330 11,532
1.5% 1.6% 1.8%
0.9% 1.0% 1.3%
15.3% 13.2% 12.8%
20.8% 17.9% 17.9%
1,151 1,165 1,350
815 Cities 831 Cities 981 Cities
96.2% 95.9% 95.5%
440,380 456,140 467,600 501,000 536,330 563,210 572,810
244,760 249,450 249,480 264,900 289,730 297,680 309,350
44,990 47,520 50,510 52,810 57,620 61,070 63,830
730,130 753,110 767,590 818,710 883,680 921,960 945,990
233,360 249,880 260,100 290,580 324,210 354,940 377,040
465,370 487,530 498,940 509,550 574,990 596,030 610,890
10,680 12,080 13,700 13,390 15,220 16,560 18,970
140,050 153,640 161,540 168,650 180,000 196,890 205,200
195,580 199,770 241,250 268,880 284,830 284,350 318,600
38,650 39,070 40,660 42,430 43,490 44,000 45,860
129,230 137,000 162,690 168,980 195,400 200,950 229,340
85,390 96,480 110,470 107,430 120,550 133,440 146,440
2,028,440 2,128,560 2,256,940 2,388,600 2,622,370 2,749,120 2,898,330
1,244,288 1,342,320 1,398,010 1,431,504 1,563,040 1,614,524 1,747,610
3,272,728 3,470,880 3,654,950 3,820,104 4,185,410 4,363,644 4,645,940
Oct-16 Oct-17 Oct-18 4-year CAGR
1.4 1.4 1.6 10.20%
0.7 0.7 0.8 9.20%
2.0 2.1 2.4 12.90%
8.40%
Oct-16 Oct-17 Oct-18 CAGR

35.1 40.6 46.6 14.0%
3.7 4.9 5.9 21.0%
16.3 21.0 28.1 30.0%
55.1 66.5 80.6
Oct-16 Oct-17 Oct-18

63.7% 61.1% 57.8%
6.7% 7.4% 7.3%
29.6% 31.6% 34.9%
100.0% 100.0% 100.0%
MPMA Total
32% 100%
34% 100%
40% 100%
48% 100%
49% 100%
54% 100%
55% 100%
55% 100%
57% 100%
71% 100%
Oct-16 Oct-17 Oct-18

334 330 334
909 884 876
3785 3709 3794
Prime plus
1.2%
0.6%
0.6%
2QFY20 3QFY20 YoY Growth (%) QoQ Growth (%)

907,480 922,050 -0.9% 1.6%
542,720 547,710 3.6% 0.9%
112,320 112,550 -1.0% 0.2%
1,562,520 1,582,310 0.6% 1.3%
1,028,610 1,101,740 23.0% 7.1%
1,365,780 1,425,990 18.4% 4.4%
32,520 32,080 -7.1% -1.4%
520,430 576,780 28.6% 10.8%
600,290 617,410 19.2% 2.9%
60,860 61,190 6.2% 0.5%
409,290 409,160 12.6% 0.0%
228,240 268,120 19.7% 17.5%
5,808,540 6,074,780 14.2% 4.6%
3,161,298 3,285,515 31.9% 3.9%
8,969,838 9,360,295 19.9% 4.4%
3QFY19 4QFY19 1QFY20 2QFY20 3QFY20

100,977 109,029 112,242 117,690 125,082
40,000 35,770 42,250 37,140 53,390
32,900 35,770 29,575 37,140 38,390
7,100 - 12,675 - 15,000
31,948 32,557 36,802 29,748 44,199
109,029 112,242 117,690 125,082 134,273
4,706 4,944 4,950 5,546 5,810 6,049 6,312
5,738 5,917 6,347 6,436 6,714 6,893 6,990
1.3% 5.1% 0.1% 12.0% 4.8% 4.1% 4.4%
5.0% 3.1% 7.3% 1.4% 4.3% 2.7% 1.4%
82.0% 83.6% 78.0% 86.2% 86.5% 87.7% 90.3%

10.7% 10.7% 10.7% 10.3% 10.2% 10.4% 10.5%
5.6% 5.5% 5.4% 5.1% 5.0% 5.1% 5.2%
4.4% 4.2% 4.1% 4.3% 4.4% 4.3% 4.3%

761 792 1,012 1,156 1,020 978 1,013
1,527 1,600 1,866 1,936 1,931 1,977 2,058
39.9% 40.4% 45.4% 48.0% 44.0% 42.9% 43.9%

1.0% 1.0% 1.1% 1.1% 1.2% 1.3% 1.3%
0.3% 0.3% 0.3% 0.3% 0.4% 0.4% 0.4%
69.7% 70.6% 70.1% 68.7% 65.1% 66.3% 66.3%

330,000 331,260 176,283 199,000 201,000 206,000 -
1,304,275 1,421,538 1,535,880 1,703,122 1,767,788 1,710,219 1,983,587
595,610 644,290 655,450 700,990 737,460 789,990 825,140
314,610 335,610 345,260 379,370 384,500 403,610 425,480
66,140 71,180 71,070 73,450 77,240 85,350 92,240
410,590 450,240 468,260 505,450 560,670 613,130 674,850
693,240 657,940 635,820 817,890 880,880 964,850 1,008,100
18,860 20,520 22,490 27,980 29,560 32,190 34,580
212,550 213,360 236,730 259,950 291,010 308,310 336,220
336,050 335,740 354,230 383,790 387,970 400,290 381,330
48,760 50,930 48,180 49,250 51,300 52,510 52,990
224,030 248,810 238,880 288,440 281,320 317,290 317,020
151,510 162,760 161,900 157,000 159,060 164,930 180,610
4,706,225 4,944,178 4,950,433 5,545,682 5,809,758 6,048,669 6,312,147

7.0% 6.7% 3.6% 3.6% 3.5% 3.4% 0.0%
27.7% 28.8% 31.0% 30.7% 30.4% 28.3% 31.4%
12.7% 13.0% 13.2% 12.6% 12.7% 13.1% 13.1%
6.7% 6.8% 7.0% 6.8% 6.6% 6.7% 6.7%
1.4% 1.4% 1.4% 1.3% 1.3% 1.4% 1.5%
8.7% 9.1% 9.5% 9.1% 9.7% 10.1% 10.7%
14.7% 13.3% 12.8% 14.7% 15.2% 16.0% 16.0%
0.4% 0.4% 0.5% 0.5% 0.5% 0.5% 0.5%
4.5% 4.3% 4.8% 4.7% 5.0% 5.1% 5.3%
7.1% 6.8% 7.2% 6.9% 6.7% 6.6% 6.0%
1.0% 1.0% 1.0% 0.9% 0.9% 0.9% 0.8%
4.8% 5.0% 4.8% 5.2% 4.8% 5.2% 5.0%
3.2% 3.3% 3.3% 2.8% 2.7% 2.7% 2.9%
100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%

90,802 95,002 90,421 84,325 83,757 - 86,660
4,541 4,548 4,555 4,715 4,727 4,729 4,734
47,689 48,700 48,425 52,220 53,675 55,401 57,322
103,112 106,110 110,532 123,210 125,560 130,021 139,241
20.0 20.9 19.9 17.9 17.7 - 18.3
46.2% 45.9% 43.8% 42.4% 42.7% 42.6% 41.2%
0.365 (0.139) (1.441)

595,610 644,290 655,450 700,990 737,460 789,990 825,140
314,610 335,610 345,260 379,370 384,500 403,610 425,480
66,140 71,180 71,070 73,450 77,240 85,350 92,240
976,360 1,051,080 1,071,780 1,153,810 1,199,200 1,278,950 1,342,860
410,590 450,240 468,260 505,450 560,670 613,130 674,850
693,240 657,940 635,820 817,890 880,880 964,850 1,008,100
18,860 20,520 22,490 27,980 29,560 32,190 34,580
212,550 213,360 236,730 259,950 291,010 308,310 336,220
336,050 335,740 354,230 383,790 387,970 400,290 381,330
48,760 50,930 48,180 49,250 51,300 52,510 52,990
224,030 248,810 238,880 288,440 281,320 317,290 317,020
151,510 162,760 161,900 157,000 159,060 164,930 180,610
3,071,950 3,191,380 3,238,270 3,643,560 3,840,970 4,132,450 4,328,560
1,634,275 1,752,798 1,712,163 1,902,122 1,968,788 1,916,219 1,983,587
4,706,225 4,944,178 4,950,433 5,545,682 5,809,758 6,048,669 6,312,147
6,583 7,086 7,508 7,810 8,194 8,297 8,970
7,888 8,058 8,334 8,525 9,231 9,546 10,216
4.3% 7.6% 6.0% 4.0% 4.9% 1.3% 8.1%
12.8% 2.2% 3.4% 2.3% 8.3% 3.4% 7.0%
83.5% 87.9% 90.1% 91.6% 88.8% 86.9% 87.8%

10.3% 10.2% 10.3% 10.6% 10.5% 10.6% 10.4%
5.0% 5.1% 5.2% 5.5% 5.3% 5.4% 5.4%
4.3% 4.2% 4.3% 4.3% 4.4% 4.3% 4.2%

1,193 1,093 1,151 1,119 1,425 1,257 1,368
2,238 2,267 2,346 2,352 2,487 2,533 2,644
43.5% 41.7% 42.0% 40.7% 42.4% 39.7% 39.3%

1.3% 1.3% 1.3% 1.4% 1.4% 1.4% 1.4%
0.4% 0.4% 0.4% 0.4% 0.4% 0.4% 0.4%
69.8% 69.5% 70.0% 69.7% 71.4% 69.7% 69.7%

- - 225,251 234,285 245,820 248,919 269,095
1,998,901 2,286,907 2,185,890 2,256,666 2,473,452 2,466,889 2,892,203
859,740 883,200 919,200 930,230 913,830 920,860 907,480
459,390 471,670 495,480 528,800 554,290 552,000 542,720
96,480 103,240 112,900 113,690 112,710 113,340 112,320
724,420 785,420 841,450 895,500 938,060 979,860 1,028,610
1,095,070 1,095,510 1,170,390 1,204,290 1,250,140 1,260,990 1,365,780
38,660 35,520 35,800 34,550 35,980 33,500 32,520
361,150 387,920 405,350 448,390 466,300 495,230 520,430
362,650 440,360 478,750 517,990 513,720 557,810 600,290
53,990 55,290 57,010 57,600 58,380 59,240 60,860
354,970 337,830 370,680 363,490 403,620 385,560 409,290
177,910 203,620 210,230 224,030 227,710 223,100 228,240
6,583,331 7,086,487 7,508,381 7,809,512 8,194,012 8,297,298 8,969,838
2,411,141 2,490,952 2,719,272 2,715,808 3,161,298
0.0% 0.0% 3.0% 3.0% 3.0% 3.0% 3.0%
30.4% 32.3% 29.1% 28.9% 30.2% 29.7% 32.2%
13.1% 12.5% 12.2% 11.9% 11.2% 11.1% 10.1%
7.0% 6.7% 6.6% 6.8% 6.8% 6.7% 6.1%
1.5% 1.5% 1.5% 1.5% 1.4% 1.4% 1.3%
11.0% 11.1% 11.2% 11.5% 11.4% 11.8% 11.5%
16.6% 15.5% 15.6% 15.4% 15.3% 15.2% 15.2%
0.6% 0.5% 0.5% 0.4% 0.4% 0.4% 0.4%
5.5% 5.5% 5.4% 5.7% 5.7% 6.0% 5.8%
5.5% 6.2% 6.4% 6.6% 6.3% 6.7% 6.7%
0.8% 0.8% 0.8% 0.7% 0.7% 0.7% 0.7%
5.4% 4.8% 4.9% 4.7% 4.9% 4.6% 4.6%
2.7% 2.9% 2.8% 2.9% 2.8% 2.7% 2.5%
100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%

88,253 89,550 94,907 96,425 98,061 104,154 111,208
4,787 4,804 4,825 4,963 5,103 5,130 5,314
60,506 59,839 62,991 67,193 71,171 71,173 74,057
148,643 149,148 158,118 170,238 177,318 180,525 186,231
18.4 18.6 19.7 19.4 19.2 20.3 20.9
40.7% 40.1% 39.8% 39.5% 40.1% 39.4% 39.8%
(0.462) (0.585) (0.283) (0.367) 0.667

859,740 883,200 919,200 930,230 913,830 920,860 907,480
459,390 471,670 495,480 528,800 554,290 552,000 542,720
96,480 103,240 112,900 113,690 112,710 113,340 112,320
1,415,610 1,458,110 1,527,580 1,572,720 1,580,830 1,586,200 1,562,520
724,420 785,420 841,450 895,500 938,060 979,860 1,028,610
1,095,070 1,095,510 1,170,390 1,204,290 1,250,140 1,260,990 1,365,780
38,660 35,520 35,800 34,550 35,980 33,500 32,520
361,150 387,920 405,350 448,390 466,300 495,230 520,430
362,650 440,360 478,750 517,990 513,720 557,810 600,290
53,990 55,290 57,010 57,600 58,380 59,240 60,860
354,970 337,830 370,680 363,490 403,620 385,560 409,290
177,910 203,620 210,230 224,030 227,710 223,100 228,240
4,584,430 4,799,580 5,097,240 5,318,560 5,474,740 5,581,490 5,808,540
1,998,901 2,286,907 2,411,141 2,490,952 2,719,272 2,715,808 3,161,298
6,583,331 7,086,487 7,508,381 7,809,512 8,194,012 8,297,298 8,969,838
3QFY20
9,360
10,674
4.4%
4.5%
87.7%
3QFY20
10.2%
5.3%
4.2%
3QFY20
1,439
2,779
39.5%
3QFY20
1.4%
0.5%
66.7%
3QFY20
187,206
3,098,309
922,050
547,710
112,550
1,101,740
1,425,990
32,080
576,780
617,410
61,190
409,160
268,120
9,360,295
3,285,515
3QFY20
2.0%
33.1%
9.9%
5.9%
1.2%
11.8%
15.2%
0.3%
6.2%
6.6%
0.7%
4.4%
2.9%
100.0%
3QFY20
113,981
5,345
78,968
201,657
21.3
39.2%
3QFY20
922,050
547,710
112,550
1,582,310
1,101,740
1,425,990
32,080
576,780
617,410
61,190
409,160
268,120
6,074,780
3,285,515
9,360,295
Deposits, Rs Mn FY02 FY03 FY04
HDFC Bank 176,538.1 223,760.7 304,088.6
% growth in deposits 26.7 35.9
Banking system 12,059,300.0 13,556,540.0 15,784,500.0
% growth in deposits (banking system) 12.4 16.4
Market share 1.46% 1.65% 1.93%

Ratio of Growth of HDFC/ Growth of Banking 2.2 2.2
Advances, Rs Mn
HDFC Bank 68,137.2 117,548.6 177,445.1
% growth in advances 72.5 51.0
Banking system 6,454,380.0 7,395,530.0 8,642,710.0
% growth in advances (banking system) 14.6 16.9
Market share 1.06% 1.59% 2.05%

Ratio of Growth of HDFC/ Growth of Banking 5.0 3.0
Market share (%) FY02 FY03 FY04

Deposits 1.46 1.65 1.93
Advances 1.06 1.59 2.05
Credit-deposit ratio (%) FY02 FY03 FY04

HDFC Bank 38.6 52.5 58.4
Industry 53.5 54.6 54.8
Incremental CD ratio (%) FY03 FY04

HDFC Bank 104.6 74.6
Industry 62.9 56.0
HDFC Bank
Incremental deposit 47,223 80,328
Incremental advances 49,411 59,897
Incremental C-D ratio (%) 105 75
Industry
Incremental deposit 1,497,240.0 2,227,960.0
Incremental advances 941,150.0 1,247,180.0
Incremental C-D ratio (%) 63 56
Deposits growth (%) FY02 FY03 FY04

HDFC Bank 26.7 35.9
Ind. 12.4 16.4
Avg. multiple (x)-RHS 2.0 2.0
Multiple (x) 2.2 2.2
Advances growth (%) FY02 FY03 FY04

HDFC Bank 72.5 51.0
Ind. 14.6 16.9
Avg. multiple (x)-RHS 2.4 2.4
Multiple (x) 5.0 3.0
HDFC Bank- CASA 71,776 96,141 166,394

% growth in CASA deposits 33.9 73.1
Banking system- CASA
% growth in CASA deposits (banking system)
Market share - CASA

363,542.5 557,968.2 682,979.4 1,007,686.0 1,428,115.8 1,674,044.4
19.6 53.5 22.4 47.5 41.7 17.2
18,375,570.0 21,644,770.0 25,942,590.0 31,969,400.0 38,303,220.0 44,865,740.0
16.4 17.8 19.9 23.2 19.8 17.1
1.98% 2.58% 2.63% 3.15% 3.73% 3.73%

1.2 3.0 1.1 2.0 2.1 1.0
255,663.0 350,612.6 469,447.8 634,269.0 988,830.5 1,258,305.9

44.1 37.1 33.9 35.1 55.9 27.3
11,508,360.0 15,165,570.0 19,231,930.0 23,619,140.0 27,700,120.0 32,403,985.2
33.2 31.8 26.8 22.8 17.3 17.0
2.22% 2.31% 2.44% 2.69% 3.57% 3.88%

1.3 1.2 1.3 1.5 3.2 1.6

1.98 2.58 2.63 3.15 3.73 3.73
2.22 2.31 2.44 2.69 3.57 3.88

70.3 62.8 68.7 62.9 69.2 75.2
62.6 70.1 74.1 73.9 72.3 72.2

131.6 48.8 95.1 50.8 84.3 109.6
110.6 111.9 94.6 72.8 64.4 71.7
59,454 194,426 125,011 324,707 420,430 245,929

78,218 94,950 118,835 164,821 354,561 269,475
132 49 95 51 84 110
2,591,070.0 3,269,200.0 4,297,820.0 6,026,810.0 6,333,820.0 6,562,520.0

2,865,650.0 3,657,210.0 4,066,360.0 4,387,210.0 4,080,980.0 4,703,865.2
111 112 95 73 64 72

19.6 53.5 22.4 47.5 41.7 17.2
16.4 17.8 19.9 23.2 19.8 17.1
2.0 2.0 2.0 2.0 2.0 2.0
1.2 3.0 1.1 2.0 2.1 1.0

44.1 37.1 33.9 35.1 55.9 27.3
33.2 31.8 26.8 22.8 17.3 17.0
2.4 2.4 2.4 2.4 2.4 2.4
1.3 1.2 1.3 1.5 3.2 1.6
220,488 309,383 393,967 549,136 633,597 871,039

32.5 40.3 27.3 39.4 15.4 37.5
2,085,864.1 2,467,064.5 2,962,469.8 3,673,374.8 4,507,956.4 5,464,241.9
24.6 18.3 20.1 24.0 22.7 21.2
52,047,030.0 61,124,800.0 69,048,660.0 79,311,040.0 89,114,840.0 97,208,220.0
16.0 17.4 13.0 14.9 12.4 9.1
4.01% 4.04% 4.29% 4.63% 5.06% 5.62%

1.5 1.0 1.5 1.6 1.8 2.3
1,599,826.7 1,954,200.3 2,397,206.4 3,030,002.7 3,654,950.3 4,645,939.6

27.1 22.2 22.7 26.4 20.6 27.1
39,386,590.8 47,047,900.0 53,463,870.0 60,868,790.0 68,309,650.0 75,300,000.0
21.5 19.5 13.6 13.9 12.2 10.2
4.06% 4.15% 4.48% 4.98% 5.35% 6.17%

1.3 1.1 1.7 1.9 1.7 2.6

4.01 4.04 4.29 4.63 5.06 5.62
4.06 4.15 4.48 4.98 5.35 6.17

76.7 79.2 80.9 82.5 81.1 85.0
75.7 77.0 77.4 76.7 76.7 77.5

82.9 93.0 89.4 89.0 74.9 103.6
97.2 84.4 81.0 72.2 75.9 86.4
411,820 381,200 495,405 710,905 834,582 956,285

341,521 354,374 443,006 632,796 624,948 990,989
83 93 89 89 75 104
7,181,290.0 9,077,770.0 7,923,860.0 10,262,380.0 9,803,800.0 8,093,380.0

6,982,605.6 7,661,309.2 6,415,970.0 7,404,920.0 7,440,860.0 6,990,350.0
97 84 81 72 76 86

24.6 18.3 20.1 24.0 22.7 21.2
16.0 17.4 13.0 14.9 12.4 9.1
2.0 2.0 2.0 2.0 2.0 2.0
1.5 1.0 1.5 1.6 1.8 2.3

27.1 22.2 22.7 26.4 20.6 27.1
21.5 19.5 13.6 13.9 12.2 10.2
2.4 2.4 2.4 2.4 2.4 2.4
1.3 1.1 1.7 1.9 1.7 2.6
1,099,083 1,194,059 1,405,215 1,646,214 1,984,921 2,363,108

26.2 8.6 17.7 17.2 20.6 19.1
23,511,057 25,054,308 28,131,978 31,337,245 35,190,425
6.6 12.3 11.4 12.3
5.1% 5.6% 5.9% 6.3% 6.7%

FY17 FY18 FY19
6,436,396.6 7,887,706.4 9,231,409.3
17.8 22.5 17.0
108,051,520 114,749,890 125,725,860
11.2 6.2 9.6
5.96% 6.87% 7.34%

1.6 3.6 1.8
5,545,682.0 6,583,330.9 8,194,012.2

19.4 18.7 24.5
78,818,870 86,507,140 97,674,350
4.7 9.8 12.9
7.04% 7.61% 8.39%

4.1 1.9 1.9
FY17 FY18 FY19

5.96 6.87 7.34
7.04 7.61 8.39
FY17 FY18 FY19

86.2 83.5 88.8
72.9 75.4 77.7
FY17 FY18 FY19

92.6 71.5 119.9
32.5 114.8 101.7
972,155 1,451,310 1,343,703

899,742 1,037,649 1,610,681
93 71 120
10,843,300.0 6,698,370.0 10,975,970.0

3,518,870.0 7,688,270.0 11,167,210.0
32 115 102
FY17 FY18 FY19

17.8 22.5 17.0
11.2 6.2 9.6
2.0 2.0 2.0
1.6 3.6 1.8
FY17 FY18 FY19

19.4 18.7 24.5
4.7 9.8 12.9
2.4 2.4 2.4
4.1 1.9 1.9
3,091,525 3,430,928 3,911,981

30.8 11.0 14.0
44,143,700 48,399,521 53,040,563
25.4 9.6 9.6
7.0% 7.1% 7.4%

Key Ratios FY00 FY01 FY02 FY03 FY04 FY05
Business Ratios (%)
Credit-Dep 39.9 39.8 38.6 52.5 58.4 70.3
Inv-Dep 68.2 61.3 68.0 59.8 63.7 53.2
Cash-Dep 19.2 22.5 19.6 14.2 11.7 12.3
Domestic CD Ratio
Earnings Ratios
Interest Expended / Interest Earn 55.1 59.8 63.1 59.2 47.5 42.5
Other Income / Total Income (%) 29.1 27.0 34.7 36.3 26.9 29.1
Cost Income Ratio 39.8 44.8 43.4 44.8 44.3 43.3
Prov/ Preprovisioing profit 19.9 29.5 31.2
Return Ratios
RoE (%) 25.2 20.8 18.5 20.6 18.5
Core Roe (%) 20.7 18.5
RoA (%) 1.5 1.5 1.4 1.4 1.4
Yield on Investments 6.5 10.2 9.2 8.9 8.1 6.8
Yield on Advances (%) 7.9 12.3 10.9 8.4 7.5 7.7
Cost of Depostis (%) 3.4 6.4 6.2 5.3 3.9 3.3
RoRWA 2.3 2.2 2.1
Yield (Advances+Investment) 7.1% 11.0% 9.8% 8.7% 7.8% 7.3%
Net Interest Spread (%) 4.5 6.0 4.7 3.1 3.6 4.4
Yield on Interest Earning Assets 12.7 10.0 9.3 8.0 7.4 6.9
Cost of Interest Bearing Liabilities 7.5 6.5 6.6 5.4 4.2 3.5
Yield on Funds 14.3 11.0 9.8 8.7 7.8 7.3
Cost of Funds 7.5 6.5 6.6 5.4 4.2 3.5
Profit Ratios
Interest Income / Total Funds (%) 9.2 8.6 7.4 7.0 6.6
Interest Expended / Total Funds (%) 5.5 5.4 4.4 3.3 2.8
Net Interest Income / Total Funds (%) 3.7 3.2 3.0 3.7 3.8
Non Interest Income / Total Funds (%) 1.4 1.7 1.7 1.3 1.6
Operating Expenses / Total Funds (%) 2.3 2.1 2.1 2.2 2.3
Profit before Provisions / Total Funds (%) 2.8 2.8 2.6 2.8 3.0
Net Profit / Total funds (%) 1.5 1.5 1.4 1.4 1.4

Capital Adequacy Ratio (%) 12.2
Tier I 9.6
Tier II 2.6
Non Performing Assets

Gross NPA, 2,228.6 2,654.5 3,356.1 4,391.7
Gross NPA (%) 3.17 3.27 2.26 1.89 1.72
Net NPA, 207.0 343.6 429.2 279.5 606.3
Net NPA(%) 0.45 0.50 0.37 0.16 0.24
NPA Coverage (%) (RHS) 0.0
Total assets 116,561.4 156,173.3 238,191.1 304,824.5 423,802.0 515,059.8
Total liabilities 116,378.8 156,095.6 238,191.1 304,824.5 423,802.3 515,059.8
Credit Cost 1.50% 0.95% 1.21% 0.81%
Interest Earned 6,798.7 12,594.6 17,029.9 20,136.1 25,489.3 30,934.9

Interest Expended 3,742.8 7,537.5 10,737.4 11,919.6 12,110.5 13,155.6
Interest Earned (%) on avg. assets 9.2 8.6 7.4 7.0 6.6
Interest Expended (%) on avg. liabilities 5.5 5.4 4.4 3.3 2.8
Net Interest Margin on total assets 3.7 3.2 3.0 3.7 3.8
NIM based on earning assets 4.0 3.4 3.2 3.9 3.9
Interest earning assets 107,281.9 144,033.2 222,750.4 283,097.3 406,556.4 493,876.8
Interest bearing liabilities 99,882.0 130,832.4 196,768.3 248,607.2 333,166.8 416,442.6
Pricing Power (Actual Spread earned) 3.5 2.7 2.6 3.2 3.4
Dividend Payout Ratio (%) 22.2 24.0

2008 Deposits Loans & Advances Investment Securities Borrowings
1-14 days 91,586 60,285 156,079 18,260
15-28 Days 33,339 -5,556 12,138 1,057
29 Days to 3 months 66,730 36,721 30,475 16,267
3 months to 6 months 84,822 50,948 33,820 7,954
6 months to 1 year 77,963 114,479 42,926 2,211
1 year to 3 year 566,249 314,698 164,978 200
3 years to 5 Years 57,682 39,411 20,777 0
Over 5 years 29,316 23,283 32,743 0
1,007,686 634,269 493,935 45,949

1-14 days 103,091 63,429 170,634 8,179
15-28 Days 22,885 24,458 11,254 949
29 Days to 3 months 69,702 112,009 25,400 8,360
3 months to 6 months 74,717 105,757 23,555 8,596
6 months to 1 year 112,824 139,769 41,474 0
1 year to 3 year 815,539 405,574 216,186 147
3 years to 5 Years 148,691 60,914 45,197 0
Over 5 years 80,667 76,922 54,475 628
1,428,116 988,831 588,175 26,858

1 Day 35,581 16,893 53,312 5,207
2-7 days 82,687 28,290 31,725 12,340
8-14 days 32,786 17,113 12,973 2,207
15-28 Days 19,396 23,839 10,960 1,873
29 Days to 3 months 91,730 131,871 30,873 7,654
3 months to 6 months 87,309 137,279 22,741 8,502
6 months to 1 year 139,543 146,450 28,831 23,898
1 year to 3 year 830,755 552,751 235,344 4,567
3 years to 5 Years 181,274 93,729 59,073 4,140
Over 5 years 172,984 110,092 100,246 58,769
Total 1,674,044 1,258,306 586,076 129,157

1 Day 45,012 30,806 32,965 784
2-7 days 98,344 28,892 32,367 8,443
8-14 days 43,827 21,113 12,329 4,587
15-28 Days 48,055 53,660 22,334 12,692
29 Days to 3 months 195,988 216,849 52,025 16,966
3 months to 6 months 104,807 152,145 41,368 22,675
6 months to 1 year 76,054 194,949 42,494 2,973
1 year to 3 year 1,056,873 644,136 283,259 892
3 years to 5 Years 214,447 119,539 73,609 16,160
Over 5 years 202,457 137,740 116,544 57,768
Total 2,085,864 1,599,827 709,294 143,941

1 Day 24,258 45,909 191,512 13,404
2-7 days 58,105 38,971 27,471 15,290
8-14 days 70,322 34,363 15,317 2,116
15-28 Days 67,076 56,029 21,205 1,680
29 Days to 3 months 211,921 216,890 45,892 46,239
3 months to 6 months 198,131 156,799 61,180 17,360
6 months to 1 year 96,237 211,024 54,041 10,175
1 year to 3 year 1,099,660 877,363 302,832 24,744
3 years to 5 Years 8,646 150,870 38,223 25,019
Over 5 years 632,710 165,983 217,156 82,438
Total 2,467,065 1,954,200 974,829 238,465

1 Day 46,678 51,608 43,979 2,395
2-7 days 103,060 47,709 138,658 14,351
8-14 days 77,301 46,172 24,293 5,044
15-28 Days 72,881 69,394 26,921 5,651
29 Days to 3 months 189,571 226,731 75,661 29,806
3 months to 6 months 208,870 226,766 71,830 40,296
6 months to 1 year 179,595 257,008 77,526 9,991
1 year to 3 year 1,265,685 1,105,695 343,477 40,289
3 years to 5 Years 52,243 181,464 50,511 64,745
Over 5 years 766,585 184,660 263,280 117,499
Total 2,962,470 2,397,206 1,116,136 330,066

1 Day 67,741 60,225 195,008 14,739
2-7 days 118,534 69,439 30,253 7,459
8-14 days 94,039 43,084 26,396 1,198
15-28 Days 105,272 82,788 28,728 4,590
29 Days to 3 months 184,930 348,418 55,279 44,782
3 months to 6 months 261,278 245,851 95,358 12,101
6 months to 1 year 185,682 294,508 72,781 25,251
1 year to 3 year 1,671,279 1,437,174 352,356 110,530
3 years to 5 Years 93,774 225,971 63,420 84,429
Over 5 years 890,845 222,545 289,931 89,312
Total 3,673,375 3,030,003 1,209,511 394,390

1 Day 73,901 67,646 342,618 1
2-7 days 146,857 77,788 35,175 18,724
8-14 days 104,005 63,169 52,259 14,459
15-28 Days 91,969 111,721 49,519 12,788
29 Days to 3 months 229,486 383,232 133,194 72,230
3 months to 6 months 244,321 268,737 83,798 19,115
6 months to 1 year 312,666 380,139 133,952 21,882
1 year to 3 year 2,034,105 1,735,123 371,884 144,619
3 years to 5 Years 103,866 282,474 20,031 28,750
Over 5 years 1,166,780 284,922 293,987 119,570
Total 4,507,956 3,654,950 1,516,418 452,136

1 Day 78,338 58,998 143,168 425
2-7 days 244,106 93,634 73,518 20,944
8-14 days 145,026 67,150 69,092 12,536
15-30 Days 128,734 202,399 120,108 26,699
31 Days to 2 months 189,471 226,872 136,771 56,936
2 Months to 3 months 178,680 207,906 87,990 26,490
3 months to 6 months 393,018 346,487 115,159 39,601
6 months to 1 year 782,401 618,827 139,732 100,463
1 year to 3 year 2,228,908 2,079,862 452,498 89,771
3 years to 5 Years 123,615 406,803 35,154 17,676
Over 5 years 971,946 337,002 265,668 138,646
Total 5,464,242 4,645,940 1,638,858 530,185

1 Day 103,365 65,391 413,943 3,133
2-7 days 269,336 150,846 57,853 32,487
8-14 days 169,826 94,692 55,640 16,221
15-30 Days 142,316 234,872 80,196 35,452
31 Days to 2 months 237,255 231,001 108,621 50,729
2 Months to 3 months 237,783 227,909 106,677 25,883
3 months to 6 months 439,756 446,835 133,804 64,317
6 months to 1 year 697,907 639,100 200,574 161,783
1 year to 3 year 2,875,847 2,460,749 601,865 125,435
3 years to 5 Years 134,948 551,147 79,446 63,199
Over 5 years 1,128,058 443,142 306,016 161,650
Total 6,436,397 5,545,682 2,144,633 740,289

1 Day 87,647 75,768 425,205 5,809
2-7 days 278,792 155,959 200,503 183,044
8-14 days 198,844 89,981 50,081 37,006
15-30 Days 202,888 167,614 49,915 33,676
31 Days to 2 months 398,654 259,231 66,686 33,477
2 Months to 3 months 309,661 244,790 111,613 37,686
3 months to 6 months 739,886 541,808 164,096 198,219
6 months to 1 year 1,115,690 738,355 242,044 176,651
1 year to 3 year 3,102,545 3,095,751 705,571 183,946
3 years to 5 Years 147,337 677,503 99,613 171,785
Over 5 years 1,305,763 536,572 306,675 169,750
Total 7,887,706 6,583,331 2,422,002 1,231,050

1 Day 72,807 576,633 131,119 4,938
2-7 days 188,503 254,472 405,879 195,508
8-14 days 117,422 64,100 189,628 16,937
15-30 Days 336,961 90,127 195,189 106,068
31 Days to 2 months 345,661 141,411 383,823 32,438
2 Months to 3 months 365,429 97,492 263,977 32,142
3 months to 6 months 627,186 169,255 684,122 162,093
6 months to 1 year 928,779 283,249 1,149,154 114,148
1 year to 3 year 3,685,669 768,610 3,617,451 154,430
3 years to 5 Years 814,663 72,800 140,835 122,400
Over 5 years 710,933 387,730 2,070,234 229,750
Total 8,194,012 2,905,879 9,231,409 1,170,851
Foreign Currency Assets Foreign Currency Liabilities 2008 Deposits
27,297 13,518 1-14 days 9.09%
1,996 1,445 15-28 Days 3.31%
4,392 17,592 29 Days to 3 months 6.62%
3,715 9,856 3 months to 6 months 8.42%
1,355 6,305 6 months to 1 year 7.74%
520 4,760 1 year to 3 year 56.19%
1,477 367 3 years to 5 Years 5.72%
12 4,012 Over 5 years 2.91%
40,765 57,855 100.00%
Foreign currency assets Foreign currency liabilities 2009 Deposits

22,261 5,473 1-14 days 7.22%
2,403 1,317 15-28 Days 1.60%
8,862 8,461 29 Days to 3 months 4.88%
7,096 8,633 3 months to 6 months 5.23%
3,903 5,077 6 months to 1 year 7.90%
5,758 14,446 1 year to 3 year 57.11%
1,187 580 3 years to 5 Years 10.41%
85 5,072 Over 5 years 5.65%
51,555 49,058 100.00%

7,424 7,358 1 Day 2.1%
36,444 1,526 2-7 days 4.9%
2,244 596 8-14 days 2.0%
4,956 2,445 15-28 Days 1.2%
15,008 7,527 29 Days to 3 months 5.5%
16,743 8,908 3 months to 6 months 5.2%
4,376 8,902 6 months to 1 year 8.3%
11,781 20,636 1 year to 3 year 49.6%
2,787 1,538 3 years to 5 Years 10.8%
54 5,580 Over 5 years 10.3%
101,817 65,016 Total 100.0%

8,560 4,054 1 Day 2.2%
16,007 2,341 2-7 days 4.7%
3,652 4,970 8-14 days 2.1%
12,090 5,269 15-28 Days 2.3%
29,522 18,843 29 Days to 3 months 9.4%
22,147 24,569 3 months to 6 months 5.0%
16,110 10,891 6 months to 1 year 3.6%
20,120 16,592 1 year to 3 year 50.7%
7,353 1,110 3 years to 5 Years 10.3%
1,305 4,460 Over 5 years 9.7%
136,866 93,098 Total 100.0%

7,441 15,581 1 Day 1.0%
33,049 4,999 2-7 days 2.4%
5,294 2,634 8-14 days 2.9%
10,749 4,140 15-28 Days 2.7%
36,497 26,323 29 Days to 3 months 8.6%
38,926 20,758 3 months to 6 months 8.0%
7,305 17,351 6 months to 1 year 3.9%
21,470 32,732 1 year to 3 year 44.6%
13,402 3,811 3 years to 5 Years 0.4%
3,330 5,088 Over 5 years 25.6%
177,462 133,416 Total 100.0%

13,607 2,940 1 Day 1.6%
50,302 10,745 2-7 days 3.5%
13,608 5,499 8-14 days 2.6%
12,887 7,776 15-28 Days 2.5%
58,552 36,831 29 Days to 3 months 6.4%
51,195 46,363 3 months to 6 months 7.1%
11,179 22,247 6 months to 1 year 6.1%
25,888 30,054 1 year to 3 year 42.7%
14,046 46,239 3 years to 5 Years 1.8%
1,065 5,767 Over 5 years 25.9%
252,330 214,461 Total 100.0%

58,405 6,131 1 Day 1.8%
56,171 10,485 2-7 days 3.2%
10,494 2,248 8-14 days 2.6%
18,589 11,848 15-28 Days 2.9%
62,238 48,831 29 Days to 3 months 5.0%
43,049 27,297 3 months to 6 months 7.1%
6,018 48,464 6 months to 1 year 5.1%
162,042 342,702 1 year to 3 year 45.5%
14,848 85,239 3 years to 5 Years 2.6%
1,691 6,369 Over 5 years 24.3%
433,545 589,614 Total 100.0%

24,163 7,315 1 Day 1.6%
49,124 8,105 2-7 days 3.3%
13,157 16,769 8-14 days 2.3%
41,970 13,201 15-28 Days 2.0%
76,370 80,054 29 Days to 3 months 5.1%
44,679 28,232 3 months to 6 months 5.4%
23,671 43,367 6 months to 1 year 6.9%
186,014 376,666 1 year to 3 year 45.1%
11,244 43,651 3 years to 5 Years 2.3%
2,325 6,716 Over 5 years 25.9%
472,718 624,075 Total 100.0%

36,137 8,286 1 Day 1.4%
59,655 14,292 2-7 days 4.5%
20,060 15,534 8-14 days 2.7%
63,264 36,203 15-30 Days 2.4%
43,098 63,342 31 Days to 2 months 3.5%
31,887 31,277 2 Months to 3 months 3.3%
52,751 65,543 3 months to 6 months 7.2%
158,290 352,939 6 months to 1 year 14.3%
55,712 144,182 1 year to 3 year 40.8%
13,262 12,905 3 years to 5 Years 2.3%
6,036 7,191 Over 5 years 17.8%
540,151 751,695 Total 100.0%

45,884 15,952 1 Day 1.6%
95,215 28,638 2-7 days 4.2%
24,321 21,447 8-14 days 2.6%
53,933 43,562 15-30 Days 2.2%
34,935 57,140 31 Days to 2 months 3.7%
35,329 32,124 2 Months to 3 months 3.7%
44,488 44,870 3 months to 6 months 6.8%
36,361 74,865 6 months to 1 year 10.8%
42,472 114,007 1 year to 3 year 44.7%
17,249 17,845 3 years to 5 Years 2.1%
3,033 12,318 Over 5 years 17.5%
433,221 462,766 Total 100.0%

22,012 10,964 1 Day 1.1%
141,787 34,130 2-7 days 3.5%
36,973 22,629 8-14 days 2.5%
70,134 43,591 15-30 Days 2.6%
37,292 51,051 31 Days to 2 months 5.1%
41,061 49,101 2 Months to 3 months 3.9%
57,411 109,605 3 months to 6 months 9.4%
21,856 101,886 6 months to 1 year 14.1%
38,477 63,725 1 year to 3 year 39.3%
16,015 19,303 3 years to 5 Years 1.9%
4,973 91,816 Over 5 years 16.6%
487,991 597,801 Total 100.0%

108,168 17,581 1 Day 0.9%
173,579 32,293 2-7 days 2.3%
27,046 28,419 8-14 days 1.4%
86,815 72,304 15-30 Days 4.1%
57,912 56,749 31 Days to 2 months 4.2%
54,303 48,876 2 Months to 3 months 4.5%
92,494 89,018 3 months to 6 months 7.7%
22,860 123,203 6 months to 1 year 11.3%
42,603 80,249 1 year to 3 year 45.0%
8,640 12,068 3 years to 5 Years 9.9%
2,947 116,506 Over 5 years 8.7%
677,366 677,267 Total 100.0%
Loans & Advances Investment Securities Borrowings Foreign Currency Assets
9.50% 31.60% 39.74% 66.96%
-0.88% 2.46% 2.30% 4.90%
5.79% 6.17% 35.40% 10.77%
8.03% 6.85% 17.31% 9.11%
18.05% 8.69% 4.81% 3.32%
49.62% 33.40% 0.43% 1.27%
6.21% 4.21% 0.00% 3.62%
3.67% 6.63% 0.00% 0.03%
100.00% 100.00% 100.00% 100.00%
Loans & Advances Investment Securities Borrowings Foreign currency assets

6.41% 29.01% 30.45% 43.18%
2.47% 1.91% 3.53% 4.66%
11.33% 4.32% 31.13% 17.19%
10.70% 4.00% 32.00% 13.76%
14.13% 7.05% 0.00% 7.57%
41.02% 36.76% 0.55% 11.17%
6.16% 7.68% 0.00% 2.30%
7.78% 9.26% 2.34% 0.16%
100.00% 100.00% 100.00% 100.00%

1.3% 9.1% 4.0% 7.3%
2.2% 5.4% 9.6% 35.8%
1.4% 2.2% 1.7% 2.2%
1.9% 1.9% 1.5% 4.9%
10.5% 5.3% 5.9% 14.7%
10.9% 3.9% 6.6% 16.4%
11.6% 4.9% 18.5% 4.3%
43.9% 40.2% 3.5% 11.6%
7.4% 10.1% 3.2% 2.7%
8.7% 17.1% 45.5% 0.1%
100.0% 100.0% 100.0% 100.0%

1.9% 4.6% 0.5% 6.3%
1.8% 4.6% 5.9% 11.7%
1.3% 1.7% 3.2% 2.7%
3.4% 3.1% 8.8% 8.8%
13.6% 7.3% 11.8% 21.6%
9.5% 5.8% 15.8% 16.2%
12.2% 6.0% 2.1% 11.8%
40.3% 39.9% 0.6% 14.7%
7.5% 10.4% 11.2% 5.4%
8.6% 16.4% 40.1% 1.0%
100.0% 100.0% 100.0% 100.0%

2.3% 19.6% 5.6% 4.2%
2.0% 2.8% 6.4% 18.6%
1.8% 1.6% 0.9% 3.0%
2.9% 2.2% 0.7% 6.1%
11.1% 4.7% 19.4% 20.6%
8.0% 6.3% 7.3% 21.9%
10.8% 5.5% 4.3% 4.1%
44.9% 31.1% 10.4% 12.1%
7.7% 3.9% 10.5% 7.6%
8.5% 22.3% 34.6% 1.9%
100.0% 100.0% 100.0% 100.0%

2.2% 3.9% 0.7% 5.4%
2.0% 12.4% 4.3% 19.9%
1.9% 2.2% 1.5% 5.4%
2.9% 2.4% 1.7% 5.1%
9.5% 6.8% 9.0% 23.2%
9.5% 6.4% 12.2% 20.3%
10.7% 6.9% 3.0% 4.4%
46.1% 30.8% 12.2% 10.3%
7.6% 4.5% 19.6% 5.6%
7.7% 23.6% 35.6% 0.4%
100.0% 100.0% 100.0% 100.0%

2.0% 16.1% 3.7% 13.5%
2.3% 2.5% 1.9% 13.0%
1.4% 2.2% 0.3% 2.4%
2.7% 2.4% 1.2% 4.3%
11.5% 4.6% 11.4% 14.4%
8.1% 7.9% 3.1% 9.9%
9.7% 6.0% 6.4% 1.4%
47.4% 29.1% 28.0% 37.4%
7.5% 5.2% 21.4% 3.4%
7.3% 24.0% 22.6% 0.4%
100.0% 100.0% 100.0% 100.0%

1.9% 22.6% 0.0% 5.1%
2.1% 2.3% 4.1% 10.4%
1.7% 3.4% 3.2% 2.8%
3.1% 3.3% 2.8% 8.9%
10.5% 8.8% 16.0% 16.2%
7.4% 5.5% 4.2% 9.5%
10.4% 8.8% 4.8% 5.0%
47.5% 24.5% 32.0% 39.3%
7.7% 1.3% 6.4% 2.4%
7.8% 19.4% 26.4% 0.5%
100.0% 100.0% 100.0% 100.0%

1.3% 8.7% 0.1% 6.7%
2.0% 4.5% 4.0% 11.0%
1.4% 4.2% 2.4% 3.7%
4.4% 7.3% 5.0% 11.7%
4.9% 8.3% 10.7% 8.0%
4.5% 5.4% 5.0% 5.9%
7.5% 7.0% 7.5% 9.8%
13.3% 8.5% 18.9% 29.3%
44.8% 27.6% 16.9% 10.3%
8.8% 2.1% 3.3% 2.5%
7.3% 16.2% 26.2% 1.1%
100.0% 100.0% 100.0% 100.0%

1.2% 19.3% 0.4% 10.6%
2.7% 2.7% 4.4% 22.0%
1.7% 2.6% 2.2% 5.6%
4.2% 3.7% 4.8% 12.4%
4.2% 5.1% 6.9% 8.1%
4.1% 5.0% 3.5% 8.2%
8.1% 6.2% 8.7% 10.3%
11.5% 9.4% 21.9% 8.4%
44.4% 28.1% 16.9% 9.8%
9.9% 3.7% 8.5% 4.0%
8.0% 14.3% 21.8% 0.7%
100.0% 100.0% 100.0% 100.0%

1.2% 17.6% 0.5% 4.5%
2.4% 8.3% 14.9% 29.1%
1.4% 2.1% 3.0% 7.6%
2.5% 2.1% 2.7% 14.4%
3.9% 2.8% 2.7% 7.6%
3.7% 4.6% 3.1% 8.4%
8.2% 6.8% 16.1% 11.8%
11.2% 10.0% 14.3% 4.5%
47.0% 29.1% 14.9% 7.9%
10.3% 4.1% 14.0% 3.3%
8.2% 12.7% 13.8% 1.0%
100.0% 100.0% 100.0% 100.0%

19.8% 1.4% 0.4% 16.0%
8.8% 4.4% 16.7% 25.6%
2.2% 2.1% 1.4% 4.0%
3.1% 2.1% 9.1% 12.8%
4.9% 4.2% 2.8% 8.5%
3.4% 2.9% 2.7% 8.0%
5.8% 7.4% 13.8% 13.7%
9.7% 12.4% 9.7% 3.4%
26.5% 39.2% 13.2% 6.3%
2.5% 1.5% 10.5% 1.3%
13.3% 22.4% 19.6% 0.4%
100.0% 100.0% 100.0% 100.0%
Foreign Currency Liabilities 2008 Deposits Loans & Advances
23.36% < 1 Year 35.17% 40.50%
2.50% 1 - 3 Years 56.19% 49.62%
30.41% > 3 Years 8.63% 9.88%
17.04% Total 100.00% 100.00%
10.90%
8.23%
0.63%
6.93%
100.00%
Foreign currency liabilities 2009 Deposits Loans & Advances

11.16% < 1 Year 26.83% 45.05%
2.68% 1 - 3 Years 57.11% 41.02%
17.25% > 3 Years 16.06% 13.94%
17.60% Total 100.00% 100.00%
10.35%
29.45%
1.18%
10.34%
100.00%

11.3% < 1 Year 29.21% 39.87%
2.3% 1 - 3 Years 49.63% 43.93%
0.9% > 3 Years 21.16% 16.20%
3.8% Total 100.00% 100.00%
11.6%
13.7% ###
13.7% ###
31.7% ###
2.4% ###
8.6%
100.0%

4.4% < 1 Year 29.34% 43.66%
2.5% 1 - 3 Years 50.67% 40.26%
5.3% > 3 Years 19.99% 16.08%
5.7% Total 100.00% 100.00%
20.2%
26.4%
11.7%
17.8%
1.2%
4.8%
100.0%

11.7% < 1 Year 29.43% 38.89%
3.7% 1 - 3 Years 44.57% 44.90%
2.0% > 3 Years 26.00% 16.21%
3.1% Total 100.00% 100.00%
19.7%
15.6%
13.0%
24.5%
2.9%
3.8%
100.0%

1.4% < 1 Year 29.64% 38.60%
5.0% 1 - 3 Years 42.72% 46.12%
2.6% > 3 Years 27.64% 15.27%
3.6% Total 100.00% 100.00%
17.2%
21.6%
10.4%
14.0%
21.6%
2.7%
100.0%

1.0% < 1 Year 27.70% 37.77%
1.8% 1 - 3 Years 45.50% 47.43%
0.4% > 3 Years 26.80% 14.80%
2.0% Total 100.00% 100.00%
8.3%
4.6%
8.2%
58.1%
14.5%
1.1%
100.0%

1.2% < 1 Year 26.69% 37.00%
1.3% 1 - 3 Years 45.12% 47.47%
2.7% > 3 Years 28.19% 15.52%
2.1% Total 100.00% 100.00%
12.8%
4.5%
6.9%
60.4%
7.0%
1.1%
100.0%

1.1% < 1 Year 39.16% 39.22%
1.9% 1 - 3 Years 40.79% 44.77%
2.1% > 3 Years 20.05% 16.01%
4.8% Total 100.00% 100.00%
8.4%
4.2%
8.7%
47.0%
19.2%
1.7%
1.0%
100.0%

3.4% < 1 Year 35.70% 37.70%
6.2% 1 - 3 Years 44.68% 44.37%
4.6% > 3 Years 19.62% 17.93%
9.4% Total 100.00% 100.00%
12.3%
6.9%
9.7%
16.2%
24.6%
3.9%
2.7%
100.0%

1.8% < 1 Year 42.24% 34.53%
5.7% 1 - 3 Years 39.33% 47.02%
3.8% > 3 Years 18.42% 18.44%
7.3% Total 100.00% 100.00%
8.5%
8.2%
18.3%
17.0%
10.7%
3.2%
15.4%
100.0%

2.6% < 1 Year 36.40% 57.70%
4.8% 1 - 3 Years 44.98% 26.45%
4.2% > 3 Years 18.62% 15.85%
10.7% Total 100.00% 100.00%
8.4%
7.2%
13.1%
18.2%
11.8%
1.8%
17.2%
100.0%
Investment Securities Borrowings Foreign Currency Assets Foreign Currency Liabilities
55.76% 99.57% 95.07% 84.20%
33.40% 0.43% 1.27% 8.23%
10.84% 0.00% 3.65% 7.57%
100.00% 100.00% 100.00% 100.00%

46.30% 97.11% 86.36% 59.03%
36.76% 0.55% 11.17% 29.45%
16.95% 2.34% 2.47% 11.52%
100.00% 100.00% 100.00% 100.00%

32.66% 47.76% 85.64% 57.31%
40.16% 3.54% 11.57% 31.74%
27.18% 48.71% 2.79% 10.95%
100.00% 100.00% 100.00% 100.00%

33.26% 48.02% 78.97% 76.20%
39.94% 0.62% 14.70% 17.82%
26.81% 51.36% 6.33% 5.98%
100.00% 100.00% 100.00% 100.00%
42.74% 44.56% 78.47% 68.80%
31.07% 10.38% 12.10% 24.53%
26.20% 45.06% 9.43% 6.67%
100.00% 100.00% 100.00% 100.00%

41.11% 32.58% 83.75% 61.74%
30.77% 12.21% 10.26% 14.01%
28.11% 55.21% 5.99% 24.25%
100.00% 100.00% 100.00% 100.00%

41.65% 27.92% 58.81% 26.34%
29.13% 28.03% 37.38% 58.12%
29.21% 44.05% 3.81% 15.54%
100.00% 100.00% 100.00% 100.00%

54.77% 35.21% 57.78% 31.57%
24.52% 31.99% 39.35% 60.36%
20.71% 32.80% 2.87% 8.07%
100.00% 100.00% 100.00% 100.00%

54.03% 53.58% 86.11% 78.15%
27.61% 16.93% 10.31% 19.18%
18.36% 29.48% 3.57% 2.67%
100.00% 100.00% 100.00% 100.00%

53.96% 52.68% 85.51% 68.85%
28.06% 16.94% 9.80% 24.64%
17.97% 30.37% 4.68% 6.52%
100.00% 100.00% 100.00% 100.00%

54.09% 57.31% 87.81% 70.75%
29.13% 14.94% 7.88% 10.66%
16.77% 27.74% 4.30% 18.59%
100.00% 100.00% 100.00% 100.00%
36.86% 56.73% 92.00% 69.17%
39.19% 13.19% 6.29% 11.85%
23.95% 30.08% 1.71% 18.98%
100.00% 100.00% 100.00% 100.00%
<3 months 20.67% 21.96% 21.43% 30.20%
3-6 months 5.02% 9.51% 5.83% 15.75%
6 months - 1 year 3.65% 12.19% 5.99% 2.07%
1 - 3 Years 50.67% 40.26% 39.94% 0.62%
> 3 Years 19.99% 16.08% 26.81% 51.36%
Total 100.00% 100.00% 100.00% 100.00%
<3 months 17.50% 20.07% 30.92% 33.01%
3-6 months 8.03% 8.02% 6.28% 7.28%
6 months - 1 year 3.90% 10.80% 5.54% 4.27%
1 - 3 Years 44.57% 44.90% 31.07% 10.38%
> 3 Years 26.00% 16.21% 26.20% 45.06%
Total 100.00% 100.00% 100.00% 100.00%

<3 months 16.52% 18.42% 27.73% 17.34%
3-6 months 7.05% 9.46% 6.44% 12.21%
6 months - 1 year 6.06% 10.72% 6.95% 3.03%
1 - 3 Years 42.72% 46.12% 30.77% 12.21%
> 3 Years 27.64% 15.27% 28.11% 55.21%
Total 100.00% 100.00% 100.00% 100.00%

<3 months 15.53% 19.93% 27.75% 18.45%
3-6 months 7.11% 8.11% 7.88% 3.07%
6 months - 1 year 5.05% 9.72% 6.02% 6.40%
1 - 3 Years 45.50% 47.43% 29.13% 28.03%
> 3 Years 26.80% 14.80% 29.21% 44.05%
Total 100.00% 100.00% 100.00% 100.00%

<3 months 14.34% 19.25% 40.41% 26.14%
3-6 months 5.42% 7.35% 5.53% 4.23%
6 months - 1 year 6.94% 10.40% 8.83% 4.84%
1 - 3 Years 45.12% 47.47% 24.52% 31.99%
> 3 Years 28.19% 15.52% 20.71% 32.80%
Total 100.00% 100.00% 100.00% 100.00%

<3 months 17.65% 18.45% 38.48% 27.17%
3-6 months 7.19% 7.46% 7.03% 7.47%
6 months - 1 year 14.32% 13.32% 8.53% 18.95%
1 - 3 Years 40.79% 44.77% 27.61% 16.93%
> 3 Years 20.05% 16.01% 18.36% 29.48%

Total 100.00% 100.00% 100.00% 100.00%

<3 months 18.02% 18.12% 38.37% 22.14%
3-6 months 6.83% 8.06% 6.24% 8.69%
6 months - 1 year 10.84% 11.52% 9.35% 21.85%
1 - 3 Years 44.68% 44.37% 28.06% 16.94%
> 3 Years 19.62% 17.93% 17.97% 30.37%

Total 100.00% 100.00% 100.00% 100.00%

<3 months 18.72% 15.09% 37.32% 26.86%
3-6 months 9.38% 8.23% 6.78% 16.10%
6 months - 1 year 14.14% 11.22% 9.99% 14.35%
1 - 3 Years 39.33% 47.02% 29.13% 14.94%
> 3 Years 18.42% 18.44% 16.77% 27.74%
Total 100.00% 100.00% 100.00% 100.00%

<3 months 17.41% 42.13% 17.00% 33.14%
3-6 months 7.65% 5.82% 7.41% 13.84%
6 months - 1 year 11.33% 9.75% 12.45% 9.75%
1 - 3 Years 44.98% 26.45% 39.19% 13.19%
> 3 Years 18.62% 15.85% 23.95% 30.08%

Total 100.00% 100.00% 100.00% 100.00%
Foreign Currency Assets Foreign Currency Liabilities
51.02% 38.11%
16.18% 26.39%
11.77% 11.70%
14.70% 17.82%
6.33% 5.98%
100.00% 100.00%
52.42% 40.23%
21.93% 15.56%
4.12% 13.01%
12.10% 24.53%
9.43% 6.67%
100.00% 100.00%

59.03% 29.74%
20.29% 21.62%
4.43% 10.37%
10.26% 14.01%
5.99% 24.25%
100.00% 100.00%

47.49% 13.49%
9.93% 4.63%
1.39% 8.22%
37.38% 58.12%
3.81% 15.54%
100.00% 100.00%

43.32% 20.10%
9.45% 4.52%
5.01% 6.95%
39.35% 60.36%
2.87% 8.07%
100.00% 100.00%

47.04% 22.47%
9.77% 8.72%
29.30% 46.95%
10.31% 19.18%
3.57% 2.67%
100.00% 100.00%

66.85% 42.97%
10.27% 9.70%
8.39% 16.18%
9.80% 24.64%
4.68% 6.52%
100.00% 100.00%

71.57% 35.37%
11.76% 18.33%
4.48% 17.04%
7.88% 10.66%
4.30% 18.59%
100.00% 100.00%

74.97% 37.83%
13.65% 13.14%
3.37% 18.19%
6.29% 11.85%
1.71% 18.98%
100.00% 100.00%
Industry-wise distribution of Exposures (at Consl Level) FY14
Fund Based Non Fund Based
Agriculture and allied activities 271,383 739
Automobile and auto ancillary 152,871 17,307
Banks and financial institutions 260,702 178,282
Capital market intermediaries 15,653 21,198
Cement and cement products 23,436 6,415
Chemical and chemical products 36,386 7,646
Coal and petroleum products 70,997 65,033
Infrastructure (construction and development) 74,621 24,635
Consumer durables 18,083 4,605
Consumer Loans 412,906 163
Drugs and pharmaceuticals 26,978 5,769
Engineering 69,375 39,724
Fertilisers and pesticides 28,948 9,423
Food and beverage 103,019 6,621
Gems and jewellery 29,542 3,668
Housing finance companies 40,870 544
Information technology 17,381 10,220
Iron and steel 86,087 22,130
Media & Entertainment - -
Mining and minerals 23,355 5,640
NBFC / financial intermediaries 87,264 2,139
Non-ferrous metals and products 24,358 36,664
Paper, printing and stationery 20,162 1,950
Plastic and products 15,146 2,555
Power 77,149 14,748
Real estate and property services * 77,792 9,930
Retail assets ** 449,285 61,968
Retail Trade 144,072 3,162
Road transport *** 214,766 2,412
Services 205,265 15,356
Telecom 33,915 15,957
Textiles and garments 51,713 10,647
Wholesale and retail trade 234,727 27,458
Other industries **** 115,988 19,256
Total 3,514,193 653,960
% of total exposure
FY14
Industry-wise distribution of Exposures (at Consl Level)
Fund Based Non Fund Based
Agriculture and allied activities 7.7% 0.1%
Automobile and auto ancillary 4.4% 2.6%
Banks and financial institutions 7.4% 27.3%
Capital market intermediaries 0.4% 3.2%
Cement and cement products 0.7% 1.0%
Chemical and chemical products 1.0% 1.2%
Coal and petroleum products 2.0% 9.9%
Infrastructure (construction and development) 2.1% 3.8%
Consumer durables 0.5% 0.7%
Consumer Loans 11.7% 0.0%
Drugs and pharmaceuticals 0.8% 0.9%
Engineering 2.0% 6.1%
Fertilisers and pesticides 0.8% 1.4%
Food and beverage 2.9% 1.0%
Gems and jewellery 0.8% 0.6%
Housing finance companies 1.2% 0.1%
Information technology 0.5% 1.6%
Iron and steel 2.4% 3.4%
Media & Entertainment 0.0% 0.0%
Mining and minerals 0.7% 0.9%
NBFC / financial intermediaries 2.5% 0.3%
Non-ferrous metals and products 0.7% 5.6%
Paper, printing and stationery 0.6% 0.3%
Plastic and products 0.4% 0.4%
Power 2.2% 2.3%
Real estate and property services 2.2% 1.5%
Retail assets 12.8% 9.5%
Retail Trade 4.1% 0.5%
Road transport 6.1% 0.4%
Services 5.8% 2.3%
Telecom 1.0% 2.4%
Textiles and garments 1.5% 1.6%
Wholesale and retail trade 6.7% 4.2%
Other industries 3.3% 2.9%
Total 100.0% 100.0%
Data from Form 20-F

% share of Gross NPLs
agriculture and allied activities
Iron & Steel
Wholesale Trader
Consumer Loans
Real estate & property services
Y14 FY15 FY16
Total Fund Based Non Fund Based Total Fund Based Non Fund Based
272,122 419,802 1,914 421,716 542,511 1,782
170,178 214,802 19,961 234,763 209,260 20,418
438,984 293,929 63,962 357,891 244,076 73,272
36,851 22,403 25,056 47,459 20,486 25,718
29,851 33,791 8,280 42,071 38,781 7,038
44,032 46,021 5,493 51,514 38,747 6,747
136,030 46,123 114,667 160,790 51,193 110,340
99,256 68,421 25,024 93,445 71,488 35,918
22,688 22,157 3,978 26,135 30,580 4,353
413,069 479,468 18 479,485 670,476 21
32,747 43,410 5,630 49,040 41,824 4,860
109,099 90,657 49,443 140,101 101,343 68,099
38,370 54,067 9,984 64,051 82,698 14,901
109,639 127,358 7,298 134,656 139,774 8,226
33,210 33,881 3,823 37,704 69,140 3,270
41,413 69,249 506 69,755 109,010 588
27,601 22,333 13,558 35,891 15,390 8,767
108,218 84,188 16,452 100,640 115,487 19,103
- 12,189 1,242 13,431 - -
28,995 48,198 2,929 51,127 55,971 3,299
89,403 153,047 7,372 160,419 230,877 7,783
61,022 15,426 46,530 61,956 24,438 51,091
22,113 26,316 2,185 28,502 31,043 2,996
17,701 17,887 3,007 20,894 26,069 4,303
91,897 116,540 18,894 135,435 120,308 25,451
87,722 91,776 11,189 102,965 124,799 16,385
511,253 606,667 61,547 668,214 855,171 97,075
147,234 189,956 4,767 194,724 250,482 8,893
217,178 131,402 2,676 134,078 180,688 3,350
220,621 230,565 14,857 245,422 304,246 20,180
49,872 50,458 28,305 78,763 84,337 27,078
62,360 68,326 10,455 78,781 100,249 11,947
262,184 314,023 32,626 346,649 354,500 36,882
135,243 119,518 29,207 148,724 129,308 28,566
4,168,153 4,364,356 652,835 5,017,191 5,464,747 758,699
Y14 FY15 FY16

Total Fund Based Non Fund Based Total Fund Based Non Fund Based
6.5% 9.6% 0.3% 8.4% 9.9% 0.2%
4.1% 4.9% 3.1% 4.7% 3.8% 2.7%
10.5% 6.7% 9.8% 7.1% 4.5% 9.7%
0.9% 0.5% 3.8% 0.9% 0.4% 3.4%
0.7% 0.8% 1.3% 0.8% 0.7% 0.9%
1.1% 1.1% 0.8% 1.0% 0.7% 0.9%
3.3% 1.1% 17.6% 3.2% 0.9% 14.5%
2.4% 1.6% 3.8% 1.9% 1.3% 4.7%
0.5% 0.5% 0.6% 0.5% 0.6% 0.6%
9.9% 11.0% 0.0% 9.6% 12.3% 0.0%
0.8% 1.0% 0.9% 1.0% 0.8% 0.6%
2.6% 2.1% 7.6% 2.8% 1.9% 9.0%
0.9% 1.2% 1.5% 1.3% 1.5% 2.0%
2.6% 2.9% 1.1% 2.7% 2.6% 1.1%
0.8% 0.8% 0.6% 0.8% 1.3% 0.4%
1.0% 1.6% 0.1% 1.4% 2.0% 0.1%
0.7% 0.5% 2.1% 0.7% 0.3% 1.2%
2.6% 1.9% 2.5% 2.0% 2.1% 2.5%
0.0% 0.3% 0.2% 0.3% 0.0% 0.0%
0.7% 1.1% 0.4% 1.0% 1.0% 0.4%
2.1% 3.5% 1.1% 3.2% 4.2% 1.0%
1.5% 0.4% 7.1% 1.2% 0.4% 6.7%
0.5% 0.6% 0.3% 0.6% 0.6% 0.4%
0.4% 0.4% 0.5% 0.4% 0.5% 0.6%
2.2% 2.7% 2.9% 2.7% 2.2% 3.4%
2.1% 2.1% 1.7% 2.1% 2.3% 2.2%
12.3% 13.9% 9.4% 13.3% 15.6% 12.8%
3.5% 4.4% 0.7% 3.9% 4.6% 1.2%
5.2% 3.0% 0.4% 2.7% 3.3% 0.4%
5.3% 5.3% 2.3% 4.9% 5.6% 2.7%
1.2% 1.2% 4.3% 1.6% 1.5% 3.6%
1.5% 1.6% 1.6% 1.6% 1.8% 1.6%
6.3% 7.2% 5.0% 6.9% 6.5% 4.9%
3.2% 2.7% 4.5% 3.0% 2.4% 3.8%
100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
FY16 FY17 FY18
Total Fund Based Non Fund Based Total
544,293
229,678
317,347
46,205
45,818
45,494
161,533
107,406
34,932
670,497
46,684
169,442
97,599
148,000
72,410
109,598
24,157
134,590
-
59,270
238,661
75,529
34,039
30,373
145,759
141,184
952,246
259,376
184,039
324,426
111,414
112,196
391,381
157,874
6,223,446 - - -
FY16 0
Total Fund Based Non Fund Based Total
8.7% #DIV/0! #DIV/0! #DIV/0!
3.7% #DIV/0! #DIV/0! #DIV/0!
5.1% #DIV/0! #DIV/0! #DIV/0!
0.7% #DIV/0! #DIV/0! #DIV/0!
0.7% #DIV/0! #DIV/0! #DIV/0!
0.7% #DIV/0! #DIV/0! #DIV/0!
2.6% #DIV/0! #DIV/0! #DIV/0!
1.7% #DIV/0! #DIV/0! #DIV/0!
0.6% #DIV/0! #DIV/0! #DIV/0!
10.8% #DIV/0! #DIV/0! #DIV/0!
0.8% #DIV/0! #DIV/0! #DIV/0!
2.7% #DIV/0! #DIV/0! #DIV/0!
1.6% #DIV/0! #DIV/0! #DIV/0!
2.4% #DIV/0! #DIV/0! #DIV/0!
1.2% #DIV/0! #DIV/0! #DIV/0!
1.8% #DIV/0! #DIV/0! #DIV/0!
0.4% #DIV/0! #DIV/0! #DIV/0!
2.2% #DIV/0! #DIV/0! #DIV/0!
0.0% #DIV/0! #DIV/0! #DIV/0!
1.0% #DIV/0! #DIV/0! #DIV/0!
3.8% #DIV/0! #DIV/0! #DIV/0!
1.2% #DIV/0! #DIV/0! #DIV/0!
0.5% #DIV/0! #DIV/0! #DIV/0!
0.5% #DIV/0! #DIV/0! #DIV/0!
2.3% #DIV/0! #DIV/0! #DIV/0!
2.3% #DIV/0! #DIV/0! #DIV/0!
15.3% #DIV/0! #DIV/0! #DIV/0!
4.2% #DIV/0! #DIV/0! #DIV/0!
3.0% #DIV/0! #DIV/0! #DIV/0!
5.2% #DIV/0! #DIV/0! #DIV/0!
1.8% #DIV/0! #DIV/0! #DIV/0!
1.8% #DIV/0! #DIV/0! #DIV/0!
6.3% #DIV/0! #DIV/0! #DIV/0!
2.5% #DIV/0! #DIV/0! #DIV/0!
100.0% #DIV/0! #DIV/0! #DIV/0!
Assumptions FY00 FY01
Business growth assumptions (%)
Deposit growth #NAME? 38.3%
Advances growth #NAME? 37.9%
CA mix (% of total deposits) 33.0% 24.5%
SA mix (% of total deposits) 13.3% 16.3%
CASA mix 46.3% 40.8%
Domestic borrowings growth 0.0% -13.1%
Foreign Borrowings growth 0.0% 0.0%
Total borrowings growth #REF! -8.7%
Yield and cost Assumptions (%)

Yield on advances 12.3%
Cost of term deposits 10.2% 10.2%
Borrowings cost 7.7%
Investment yield 10.2%
Return on RBI balance / others inter-bank funds 14.7%
Return on other lendings 0.0%
Profitability assumptions (%)

Growth in Other Income 49.0%
Growth in staff expenses 60.7%
Growth rate of other expenses 85.0%
Tax rate 33.3%
Equity dividend (%) 0.0% 0.0%
Asset quality assumptions (%)

Fresh delinquencies 0.0% 0.0%
Credit cost 1.7%
Other assumptions (%)

Growth rate in other liabilities 79.6%
Cash and balances with RBI (as a % of total funds) 8.5% 7.5%
Money at call and short notice ( as a % of total funds) 0.0% 0.0%
Growth in fixed assets 22.4%
Growth in other assets 33.6%
Tier I Borrowings (Rs. Mn) 0 0

Infusion of Tier II Bonds ( Rs. Mn) #NAME? 0
Infusion of Fresh Equity (Rs. Mn) #NAME? 3
Additional Share Premium (Rs. Mn) 0 48
incremental Revaluation Reserves (Rs. Mn) 0 0
FY02 FY03 FY04 FY05 FY06 FY07 FY08 FY09
51.4% 26.7% 35.9% 19.6% 53.5% 22.4% 47.5% 41.7%

47.0% 72.5% 51.0% 44.1% 37.1% 33.9% 35.1% 55.9%
23.9% 22.1% 29.1% 29.2% 26.4% 29.0% 28.5% 19.9%
16.8% 20.8% 25.7% 31.4% 29.0% 28.7% 26.0% 24.4%
40.7% 43.0% 54.7% 60.6% 55.4% 57.7% 54.5% 44.4%
48.8% 13.9% -20.7% 130.7% -62.9% -23.4% -18.0% -19.0%
0.0% #DIV/0! 8110.6% 49.8% 46.4% 19.8% 113.8% -46.9%
42.0% 22.8% 17.0% 81.9% -13.8% 33.7% 28.6% 16.8%
10.9% 8.4% 7.5% 7.7% 8.9% 10.6% 12.6% 15.0%

9.5% 8.0% 6.1% 5.3% 5.5% 7.7% 9.6% 11.1%
9.2% 5.7% 6.4% 5.1% 7.5% 9.1% 7.2% 10.5%
9.2% 8.9% 8.1% 6.8% 6.9% 7.0% 7.2% 7.4%
21.1% 8.0% 5.3% 5.2% 5.6% 7.0% 3.4% 1.6%
0.1% 0.2% 0.7% 0.0% 0.0% 0.1% 0.1% 0.1%
78.8% 40.0% 5.1% 48.8% 66.0% 31.1% 43.4% 44.1%

40.1% 39.1% 34.3% 35.6% 76.0% 59.6% 67.5% 72.0%
34.4% 33.1% 50.5% 38.4% 54.3% 38.9% 52.5% 35.1%
30.2% 32.1% 29.1% 32.0% 30.5% 30.4% 30.3% 32.0%
0.0% 0.0% 0.0% 0.0% 0.0% 70.0% 85.0% 100.0%
0.0% 1.1% 0.7% 1.2% 1.9% 1.9% 2.2% 4.2%

2.1% 1.5% 2.0% 2.1% 2.7% 2.4% 2.7% 2.3%
36.4% 53.5% 88.7% -16.2% 48.5% 31.2% 25.6% 24.3%

6.2% 8.4% 7.6% 6.4% 5.5% 6.8% 11.6% 8.9%
1.2% 1.8% 1.0% 3.5% 2.9% 2.5% 0.9% 1.4%
28.1% 42.4% 16.9% 14.6% 20.7% 13.1% 21.6% 45.2%
26.9% 40.1% -32.7% 27.5% 67.5% 57.5% 18.6% 44.4%
0 0 0 0 0 0 0 0
0 2,000 4,000 -1,000 12,020 15,806 -335 32,287
378 7 27 251 33 63 350 710
7,484 102 477 12,973 1,020 2,478 38,549 643
0 0 0 0 0 0 0 0
FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17A
17.2% 24.6% 18.3% 20.1% 24.0% 22.7% 21.2% 17.8%

27.3% 27.1% 22.2% 22.7% 26.4% 20.6% 27.1% 19.4%
22.2% 22.3% 18.4% 17.7% 16.7% 16.3% 16.2% 18.0%
29.8% 30.4% 30.0% 29.8% 28.1% 27.7% 27.1% 30.1%
52.0% 52.7% 48.4% 47.4% 44.8% 44.0% 43.2% 48.0%
391.4% -50.4% 112.7% -7.7% -56.6% 200.3% 1102.5% -6.5%
54.1% 73.1% 81.3% 36.4% 64.1% 14.9% 26.8% -24.0%
40.9% 11.4% 65.7% 38.4% 19.5% 14.6% 87.9% -12.9%
10.8% 10.6% 11.6% 12.3% 11.7% 11.1% 10.8% 10.2%

6.9% 6.8% 8.8% 9.3% 8.5% 8.3% 8.4% 7.6%
7.1% 9.9% 12.0% 6.4% 6.2% 5.8% 5.8% 5.4%
6.8% 7.3% 7.8% 7.6% 7.9% 7.4% 8.3% 7.9%
0.6% 0.8% 0.8% 2.8% 2.3% 2.4% 1.5% 1.8%
0.1% 0.2% 2.1% 1.6% 0.4% 8.1% 10.6% 8.1%
21.0% 8.8% 21.0% 30.7% 15.6% 13.6% 19.5% 14.4%

2.3% 23.9% 19.9% 16.6% 5.4% 13.7% 20.0% 13.7%
11.0% 17.3% 21.7% 42.4% 8.6% 19.3% 23.2% 17.2%
31.3% 32.5% 31.2% 31.0% 33.6% 33.4% 34.0% 34.3%
120.0% 165.0% 215.0% 275.0% 342.5% 400.0% 475.0% 550.0%
2.3% 1.0% 0.9% 1.4% 1.7% 1.4% 1.4% 1.4%

1.9% 1.3% 0.8% 0.8% 0.6% 0.6% 0.7% 0.7%
26.9% 40.6% 29.1% -6.9% 18.6% -21.4% 13.1% 54.4%

8.6% 11.3% 5.5% 4.4% 6.2% 5.5% 4.8% 5.3%
6.1% 1.1% 0.9% 2.1% 1.0% 0.6% 0.2% 0.2%
24.4% 2.3% 8.1% 15.2% 8.8% 6.2% 7.1% 8.5%
-6.3% 145.2% 48.8% -12.5% 32.1% 35.0% 12.4% 10.8%
0 0 0 0 0
-1,247 8,400 32,089 59,848 563
324 75 41 65 39
45,352 8,207 5,265 10,887 7,415
0 0 0 0 0
22.5% 17.0% 21.0% 13.0% 14.0%

18.7% 24.5% 20.0% 9.0% 12.0%
15.1% 15.4% 13.5% 13.0% 13.0%
28.4% 26.9% 27.0% 27.5% 27.5%
43.5% 42.4% 40.5% 40.5% 40.5%
29.9% -1.0% -12.0% -25.0% 5.0%
54.7% -6.8% 18.0% 17.0% 17.0%
66.3% -4.9% -1.4% -6.4% 9.4%
10.3% 10.5% 10.1% 9.9% 9.9%

6.4% 7.0% 7.0% 7.0% 6.9%
4.9% 5.2% 5.2% 5.3% 5.2%
7.2% 7.6% 7.3% 7.2% 7.1%
0.8% 0.9% 1.9% 1.5% 1.5%
6.0% 3.1% 3.0% 2.8% 2.8%
23.8% 15.8% 24.0% 7.0% 12.0%

5.0% 14.0% 22.0% 7.0% 12.0%
20.9% 22.6% 14.0% 10.0% 12.0%
34.5% 34.5% 25.1% 25.2% 25.2%
650.0% 750.0% 900.0% 1100.0% 1300.0%
2.1% 1.9% 2.0% 3.0% 2.0%

1.0% 1.0% 1.2% 1.9% 1.4%
-19.3% 20.4% 32.1% -11.6% -5.7%

11.5% 4.5% 5.4% 5.0% 5.0%
0.6% 0.9% 0.4% 0.4% 0.4%
-0.5% 11.7% 6.0% 6.0% 6.0%
-12.7% 33.3% 14.0% 14.0% 14.0%
Balance sheet FY00 FY01 FY02 FY03 FY04
Capital 2.1 1.6 1.2 0.9 0.7
Reserves and Surplus 4.4 4.3 7.0 6.4 5.7
Deposits 72.4 74.7 74.1 73.4 71.8
Borrowings 13.4 9.1 8.5 8.2 6.9
Other Liabilities & Provisions 7.7 10.3 9.2 11.1 15.0
TOTAL 100.0 100.0 100.0 100.0 100.0
Cash & Balances with RBI 7.3 6.3 5.1 6.8 6.0
Balances with Banks & money at Call & Short Noti 6.6 10.5 9.4 3.6 2.4
Investments 49.4 45.8 50.4 43.9 45.7
Advances 28.9 29.7 28.6 38.6 41.9
Fixed Assets 2.0 1.9 1.6 1.7 1.5
Other Assets 5.9 5.9 4.9 5.4 2.6
TOTAL 100.2 100.0 100.0 100.0 100.0
Contingent Liabilities - - - - -
Bills for collection 6.5 7.9 5.6 4.4 3.6
Profit & loss account FY00 FY01 FY02 FY03 FY04

Interest/Discount on Advance/Bills 39.3 39.2 36.6 38.6 43.5
Income on Investments 53.9 50.5 50.7 55.3 51.9
Interest on Balance with RBI & Others 6.7 10.4 12.6 6.0 4.4
Others 0.1 0.0 0.1 0.1 0.3
Total interest earned 100.0 100.0 100.0 100.0 100.0
Interest on Deposits 42.2 50.7 53.8 52.8 40.7

Interest on RBI/Inter-Bank Borrowings 10.0 7.5 7.8 5.1 5.6
Other Interest 2.9 1.6 1.5 1.3 1.1
Total interest expended 55.1 59.8 63.1 59.2 47.5
Net Interest Income 44.9 40.2 36.9 40.8 52.5
Other income 18.5 14.8 19.6 23.2 19.3
Operating income 63.4 55.0 56.6 64.0 71.8

Employee expenses 7.1 6.2 6.4 7.5 8.0
Operating profit 38.2 30.4 32.0 35.4 40.0
Provisions 9.5 5.3 7.0 7.0 11.8
Taxes 11.0 8.3 7.5 9.1 8.2
Net profit 17.7 16.7 17.4 19.2 20.0
Balance Sheet Values
Deposits FY00 FY01 FY02 FY03 FY04
CA 33.0% 24.5% 23.9% 22.1% 29.1%
SA 13.3% 16.3% 16.8% 20.8% 25.7%
Term 53.7% 59.2% 59.3% 57.0% 45.3%
TOTAL DEPOSITS 100.0% 100.0% 100.0% 100.0% 100.0%
FY05 FY06 FY07 FY08 FY09 FY10 FY11 FY12 FY13
0.6 0.4 0.4 0.3 0.2 0.2 0.2 0.1 0.1
8.2 6.8 6.7 8.4 8.0 9.5 9.0 8.7 8.9
70.6 75.8 74.9 75.7 77.9 75.3 75.2 73.0 74.0
10.3 6.2 6.7 5.9 5.0 5.8 5.2 7.1 8.2
10.4 10.8 11.4 9.8 8.9 9.3 10.5 11.1 8.7
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
5.1 4.5 5.6 9.4 7.4 7.0 9.1 4.4 3.7

3.5 4.9 4.4 1.7 2.2 6.5 1.6 1.8 3.2
37.6 38.6 33.5 37.1 32.1 26.3 25.6 28.8 27.9
49.6 47.6 51.5 47.6 54.0 56.6 57.7 57.8 59.9
1.4 1.2 1.1 0.9 0.9 1.0 0.8 0.7 0.7
2.7 3.2 4.1 3.3 3.5 2.7 5.3 6.4 4.7
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
- - - 445.3 221.5 215.3 207.4 256.1 179.9

4.6 5.9 1.3 5.2 4.7 3.7 4.8 5.5 6.5

53.8 60.3 65.2 68.9 74.3 74.8 75.7 75.3 76.5
42.4 36.5 30.9 28.4 24.5 24.6 23.5 23.8 22.3
3.8 3.2 3.8 2.7 1.1 0.5 0.7 0.5 0.8
0.0 0.0 0.0 0.0 0.0 0.1 0.1 0.4 0.4
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
35.8 34.8 40.5 43.3 49.1 43.3 40.3 46.5 46.5

5.4 7.0 4.1 2.4 3.4 4.6 6.7 8.3 8.2
1.3 1.2 3.2 2.6 2.1 0.3 0.1 0.2 0.1
42.5 43.1 47.8 48.3 54.6 48.1 47.1 54.9 54.9
57.5 56.9 52.2 51.7 45.4 51.9 52.9 45.1 45.1
23.6 27.1 23.9 22.6 20.1 24.6 21.8 19.2 19.5
81.1 84.0 76.1 74.3 65.6 76.5 74.7 64.3 64.6

8.9 10.9 11.7 12.9 13.7 14.2 14.2 12.5 11.3
26.1 26.9 24.7 24.2 20.2 22.6 21.7 19.0 20.7
46.0 46.2 39.7 37.2 31.7 39.8 38.8 32.8 32.6
14.4 18.2 15.0 14.7 11.5 13.2 9.6 5.3 4.8
10.1 8.6 7.5 6.8 6.5 8.3 9.5 8.6 8.6
21.5 19.5 17.2 15.7 13.7 18.2 19.7 18.9 19.2
29.2% 26.4% 29.0% 28.5% 19.9% 22.2% 22.3% 18.4% 17.7%
31.4% 29.0% 28.7% 26.0% 24.4% 29.8% 30.4% 30.0% 29.8%
39.4% 44.6% 42.3% 45.5% 55.6% 48.0% 47.3% 51.6% 52.6%
100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
FY14 FY15 FY16 FY17A FY18 FY19 FY20E FY21E FY22E
0.1 0.1 0.1 0.1 0.0 0.0 0.0 0.0 0.0
8.7 10.4 9.7 10.3 9.9 11.9 11.4 11.4 11.3
74.7 76.3 73.8 74.5 74.1 74.2 75.9 78.0 78.9
8.0 7.7 11.5 8.6 11.6 9.4 7.8 6.6 6.4
8.4 5.5 5.0 6.6 4.3 4.4 4.9 3.9 3.3
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
5.2 4.7 4.1 4.4 9.8 3.8 4.5 4.2 4.3

2.9 1.5 1.2 1.3 1.7 2.8 2.8 2.9 2.9
24.6 25.7 26.4 24.8 22.8 23.3 22.4 23.0 23.3
61.6 61.9 62.7 64.2 61.9 65.8 66.2 65.7 65.3
0.6 0.5 0.5 0.4 0.3 0.3 0.3 0.3 0.3
5.1 5.7 5.1 4.9 3.5 4.0 3.8 3.9 4.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
147.1 165.2 115.2 94.7 82.3 82.3 - - -

4.3 3.8 3.2 3.6 3.4 3.3 3.2 3.4 3.5

77.0 76.7 74.4 75.1 78.1 78.3 78.9 78.9 78.7
22.0 20.3 23.4 23.0 20.2 20.2 19.4 19.5 19.7
0.9 1.1 0.6 0.8 0.7 0.6 0.8 0.7 0.7
0.1 1.9 1.5 1.1 1.0 0.8 1.0 1.0 1.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
46.3 48.5 48.5 45.2 40.8 41.5 44.5 47.6 48.3

8.6 5.1 5.6 6.7 9.1 9.6 7.2 6.2 5.7
0.2 0.2 0.1 0.2 0.1 0.1 - - -
55.1 53.8 54.2 52.2 50.0 51.2 51.7 53.8 54.0
44.9 46.2 45.8 47.8 50.0 48.8 48.3 46.2 46.0
19.3 18.6 17.9 17.7 19.0 17.8 18.9 18.1 18.3
64.2 64.8 63.7 65.6 68.9 66.6 67.2 64.3 64.4

10.2 9.8 9.5 9.4 8.5 7.8 8.2 7.9 7.9
19.1 19.1 18.7 19.1 19.8 18.5 18.1 17.8 18.0
34.9 35.9 35.5 37.1 40.7 40.2 40.9 38.6 38.4
3.9 4.3 4.5 5.2 7.4 7.6 9.7 14.9 11.0
10.4 10.5 10.5 11.0 11.5 11.2 8.9 6.0 6.9
20.6 21.1 20.4 21.0 21.8 21.4 22.4 17.7 20.5
16.7% 16.3% 16.2% 18.0% 15.1% 15.4% 13.5% 13.0% 13.0%
28.1% 27.7% 27.1% 30.1% 28.4% 26.9% 27.0% 27.5% 27.5%
55.2% 56.0% 56.8% 52.0% 56.5% 57.6% 59.5% 59.5% 59.5%
100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0%
% FY12 FY13 FY14 FY15
GNPL 1.0% 1.0% 1.0% 0.9%
NNPL 0.2% 0.2% 0.3% 0.2%
Coverage Ratio (RHS) 82.4% 79.9% 72.6% 73.9%
GNPL NNPL Coverage Ratio (RHS)
1.6% 82.4% 85%

1.4% 79.9%
80%
1.2%
1.0% 73.9%
72.6% 75%
71.4%
0.8% 69.9% 69.8%
68.7% 1.4%
0.6% 1.3% 70%
1.0% 1.0% 1.0% 0.9% 0.9% 1.1%
0.4%
65%
0.2% 0.3% 0.3% 0.3% 0.4% 0.4%
0.2% 0.2% 0.2%
0.0% 60%
FY12 FY13 FY14 FY15 FY16 FY17E FY18E FY19E
% FY12 FY13 FY14 FY15

GNPL/Total Advances 1.0% 1.0% 1.0% 0.9%
NNPL/Total Advances 0.2% 0.2% 0.3% 0.2%
Provision/Total Advances 0.8% 0.8% 0.7% 0.7%
GNPL/Total Advances NNPL/Total Advances Provision/Total Advances

1.6%
1.4%
1.2%
1.0%
0.8%
0.6%
0.4%
0.2%
0.0%
Industry Fund Based Fund Based Non - Fund Non- Fund

Agriculture and Allied Activities (Rs Mn)
542,510.60 (%) Based1,782.00
9.9% (Rs Mn) Based0.2%
(%)
Automobile & Auto Ancillary 209,259.60 3.8% 20,418.40 2.7%
Banks and Financial Institutions 244,075.60 4.5% 73,271.50 9.7%
Capital Market Intermediaries 20,486.40 0.4% 25,718.30 3.4%
Cement & Products 38,780.60 0.7% 7,037.70 0.9%
Chemical and Products 38,747.10 0.7% 6,746.70 0.9%
Coal & Petroleum Products 51,192.70 0.9% 110,340.40 14.5%
Construction and Developers (Infrastructur 71,487.80 1.3% 35,918.10 4.7%
Consumer Durables 30,579.50 0.6% 4,352.90 0.6%
Consumer Loans 670,476.10 12.3% 21.3 0.0%
Drugs and Pharmaceuticals 41,823.50 0.8% 4,860.20 0.6%
Engineering 101,342.60 1.9% 68,098.90 9.0%
Fertilisers & Pesticides 82,697.70 1.5% 14,901.00 2.0%
Food and Beverage 139,774.20 2.6% 8,226.20 1.1%
Gems and Jewellery 69,139.80 1.3% 3,270.00 0.4%
Housing Finance Companies 109,010.10 2.0% 587.7 0.1%
Information Technology 15,389.80 0.3% 8,766.90 1.2%
Iron and Steel 115,487.30 2.1% 19,102.70 2.5%
Mining and Minerals 55,971.20 1.0% 3,298.50 0.4%
NBFC / Financial Intermediaries 230,877.20 4.2% 7,783.30 1.0%
Non-ferrous Metals 24,437.50 0.4% 51,091.10 6.7%
Paper, Printing and Stationery 31,043.40 0.6% 2,995.70 0.4%
Plastic & Products 26,069.20 0.5% 4,303.40 0.6%
Power 120,307.90 2.2% 25,450.90 3.4%
Real Estate & Property Services 124,799.10 2.3% 16,384.50 2.2%
Retail Trade 250,482.30 4.6% 8,893.30 1.2%
Road Transportation 180,688.20 3.3% 3,350.40 0.4%
Services 304,246.30 5.6% 20,180.00 2.7%
Telecom 84,336.70 1.5% 27,077.50 3.6%
Textiles & Garments 100,248.60 1.8% 11,947.10 1.6%
Wholesale Trade 354,499.50 6.5% 36,881.70 4.9%
Other Retail Assets 855,170.70 15.6% 97,075.10 12.8%
Other Industries 129,308.00 2.4% 28,566.00 3.8%
Total 5,464,746.80 100.0% 758,699.40 100.0%
RoE (%) FY12 FY13 FY14 FY15

RoE (%) 18.7% 20.3% 21.3% 19.4%
RoA (%) (RHS) 1.7% 1.8% 1.9% 1.9%
RoE (%) RoA (%) (RHS)

25.0% 2.0%
1.9%
20.0%
1.9%
15.0% 1.8%
1.8%
10.0% 1.7%
1.7%
5.0%
1.6%
0.0% 1.6%
CMS Volumes (Rs Tn) FY12 FY13 FY14 FY15

CMS Volumes (Rs Tn) 25 27 33 33
Rs
45 Tn
39
36 33 33
27
27 25
18
0
45 Tn
39
36 33 33
27
27 25
18
0
Advances/Deposits Growth FY12 FY13 FY14 FY15

Advances Growth (%) 22.2% 22.7% 26.4% 20.6%
Deposits Growth (%) 18.3% 20.1% 24.0% 22.7%
Advances Growth (%) Deposits Growth (%)

30.0%
25.0%
20.0%
15.0%
10.0%
Employee & Branches FY12 FY13 FY14 FY15

Employees 66,076 69,065 68,165 76,286
Branches 2,544 3,062 3,403 4,014
Employee/Branch (RHS) 26.0 22.6 20.0 19.0
Employees Branches Employee/Branch (RHS)

120,000 26 30
100,000 23
20 24
19 19 18 19
80,000 18
18
60,000
88,253 98,061 12
40,000 87,555 84,325
69,065 68,165 76,286
66,076
20,000 6
2,544 3,062 3,403 4,014 4,520 4,715 4,787 5,103
- -
Business per Employee & Branch FY12 FY13 FY14 FY15

Business 4,421,265 5,359,676 6,703,377 8,162,907
Business per Employee 66.91 77.60 98.34 107.00
Business per Branch 1,737.92 1,750.38 1,969.84 2,033.61
Business per Employee

4,200.00
3,415
3,500.00 3,023
2,800.00 2,541
2,237
1,970 2,034
2,100.00 1,738 1,750
1,400.00
700.00
67 78 98 107 115 142 164 178
-
4,200.00
3,415
3,500.00 3,023
2,800.00 2,541
2,237
1,970 2,034
2,100.00 1,738 1,750
1,400.00
700.00
67 78 98 107 115 142 164 178
-
Fresh Slippages 1QFY15 2QFY15 3QFY15 4QFY15

HDFC Bank 12,717 10,302 11,642 17,195
ICICI Bank 11,950 16,730 22,790 32,600
Axis Bank 6,260 9,110 7,080 6,100
Indusind Bank 1,630 1,130 1,610 4,490
YES Bank 1,152 1,512 687 524
Advances 1QFY15 2QFY15 3QFY15 4QFY15

HDFC Bank 3,121,087 3,272,728 3,470,880 3,654,950
ICICI Bank 3,470,670 3,617,573 3,753,451 3,875,221
Axis Bank 2,305,352 2,421,981 2,605,673 2,810,830
Indusind Bank 586,640 599,313 638,470 687,882
YES Bank 589,886 620,297 666,069 755,498
Slippages/Advances 1QFY15 2QFY15 3QFY15 4QFY15

HDFC Bank 0.4% 0.3% 0.3% 0.5%
ICICI Bank 0.3% 0.5% 0.6% 0.8%
Axis Bank 0.3% 0.4% 0.3% 0.2%
Indusind Bank 0.3% 0.2% 0.3% 0.7%
YES Bank 0.2% 0.2% 0.1% 0.1%
HDFC Bank ICICI Bank Axis Bank Indusind Bank YES Bank
3%
2%
1%
0%
1QFY15 2QFY15 3QFY15 4QFY15 1QFY16 2QFY16 3QFY16 4QFY16 1QFY17 2QFY17 3QFY17
HDFC Bank ICICI Bank Axis Bank Indusind Bank
100,000
80,000
60,000
40,000
20,000
-
1QFY15
2QFY15
3QFY15
4QFY15
2QFY16
3QFY16
4QFY16
1QFY17
2QFY17
3QFY17
1QFY16
100,000
80,000
60,000
40,000
20,000
-
1QFY15
2QFY15
3QFY15
4QFY15
2QFY16
3QFY16
4QFY16
1QFY17
2QFY17
3QFY17
1QFY16
FY12
Fund Based/Total Exposure
Fund Based Non-Fund TotalExposure Fund
HDFC Bank Exposure
2,155,875 Based
342,789 2,498,663 Based/Total
86.3%
Exposure Exposure
ICICI Bank 4,311,260 3,019,830 7,331,090 58.8%
Axis Bank 2,410,859 907,482 3,318,341 72.7%
Indusind Bank 540,530 177,110 717,640 75.3%
YES Bank 657,460 219,704 877,164 75.0%
Fund Based/Total Exposure FY12 FY13 FY14 FY15

HDFC Bank 86.3% 87.6% 84.3% 87.0%
ICICI Bank 58.8% 67.7% 68.8% 70.8%
Axis Bank 72.7% 76.4% 79.0% 80.0%
Indusind Bank 75.3% 69.1% 71.4% 67.5%
YES Bank 75.0% 77.0% 76.9% 74.7%

100%
87.8%
90% 83.1%
80% 73.5% 75.4%
68.8%
70%
60%
50%
40%
30%
20%
10%
0%
FY12
Non-Fund Based Exposure/Wholesale Loans Non-Fund Wholesale Non-Fund Non-Fund
HDFC Bank Based
342,789 Exposure Based
#DIV/0! Based
386,943
Exposure Exposure/Who Exposure
ICICI Bank 3,019,830 725,661 lesale416.1%
Loans 2,799,490
Axis Bank 907,482 1,321,895 68.7% 883,284
Indusind Bank 177,110 178,270 99.3% 299,590
YES Bank 219,704 310,747 70.7% 269,297
Non-Fund Based Exposure/Wholesale Loans FY12 FY13 FY14 FY15

HDFC Bank #DIV/0! #DIV/0! 45.9% 36.5%
ICICI Bank 416.1% 296.8% 280.1% 259.2%
Axis Bank 68.7% 61.8% 65.6% 61.4%
Indusind Bank 99.3% 136.7% 105.4% 116.4%
YES Bank 70.7% 70.0% 66.3% 66.6%

300.0% 280%
259%
241%
250.0%
200.0%
300.0% 280%
259%
241%
250.0%
200.0%
150.0% 116%
105% 107%
100.0% 66% 66% 67%
61% 49% 59%
46% 36% 33%
50.0%
0.0%
FY14 FY15 FY16
Cost/Income FY12 FY13 FY14 FY15

Cost/Income (%) 49.0% 49.6% 45.6% 44.6%
60.0%
49.0% 49.6%
50.0% 45.6% 44.6% 44.3% 43.4%
41.0% 39.7%
40.0%
30.0%
20.0%
10.0%
0.0%
FY12
Contingent Liabilities/Total Assets Contingent Forex Total Assets Contingent
HDFC Bank Liabilities
8,652,928 5,665,209 3,379,095 Liabilities/Tot
88.4%
al Assets
ICICI Bank 9,154,651 7,567,905 4,890,688 187.2%
Axis Bank 4,802,374 3,894,891 2,856,540 168.1%
Indusind Bank 1,031,903 896,258 575,961 179.2%
YES Bank 1,614,270 1,396,073 736,621 219.1%
Contingent Liabilities/Total Assets FY12 FY13 FY14 FY15

HDFC Bank 88.4% 67.9% 50.2% 50.8%
ICICI Bank 187.2% 147.2% 131.4% 131.9%
Axis Bank 168.1% 160.9% 155.3% 128.0%
Indusind Bank 179.2% 184.0% 169.8% 186.9%
YES Bank 219.1% 250.0% 184.4% 247.7%

300.0%
250.0%
200.0%
150.0%
100.0%
50.0%
0.0%
150.0%
100.0%
50.0%
0.0%
Market share in RTGS, NEFT and mobile payments

NEFT RTGS
Banks
FY15 FY16 FY15 FY16
HDFC Bank 12.49% 12.97% 17.65% 19.12%
ICICI Bank 7.17% 7.46% 5.67% 6.38%
SBI 15.79% 14.82% 9.21% 9.35%
Axis Bank 5.94% 6.03% 6.49% 6.83%
Kotak Mahindra Bank 1.87% 2.20% 1.70% 2.16%
YES Bank 1.46% 1.82% 1.57% 1.69%
Bank of Baroda 2.13% 2.08% 1.31% 1.24%
Punjab National Bank 2.95% 2.91% 1.68% 1.57%
NEFT FY15 FY16 RTGS FY15 FY16

20.00% 25.00%
15.00% 20.00%
10.00% 15.00%
10.00%
5.00%
5.00%
0.00%
0.00%
HDFC Bank ICICI Bank SBI Axis Bank Kotak
Mahindra
Bank
Customer initiated transactions across chan FY06 FY16

ATM 53.0% 15.0%
Internet & Mobile 13.0% 71.0%
Phone Banking 7.0% 3.0%
Branches 27.0% 11.0%
FY16
FY06
11% 15%
3%
ATM
27% Internet & Mobile
Phone Banking
53% Branches
7%
13%
71%
Deposits & Advances market Share (%) FY12 FY13 FY14 FY15
Deposits 3.9% 4.1% 4.4% 4.9%
Advances 4.3% 4.7% 4.7% 5.0%
FY12 FY13 FY14 FY15
7.0%
6.0%
5.0%
4.0%
3.0%
2.0%
1.0%
0.0%
Deposits Advances
Asset Quality 3QFY17 GNPL (Rs mn) NNPL (Rs mn) GNPL (%) NNPL (%)
HDFC Bank 52,323 15,643 1.1% 0.3%
YES Bank 10,059 3,425 0.9% 0.3%
Indusind Bank 9,716 4,007 0.9% 0.4%
Kotak Mahindra Bank 31,779 13,791 2.4% 1.1%
ICICI bank 377,167 198,872 7.9% 4.4%
Axis Bank 204,668 82,948 5.2% 2.2%
RWA/TA FY12 FY13 FY14 FY15

HDFC Bank 71.6% 76.4% 70.2% 71.6%
YES Bank 70.6% 67.8% 70.3% 75.9%
Indusind Bank 68.1% 72.7% 77.3% 79.6%
ICICI bank 81.5% 82.3% 83.8% 84.3%
Axis Bank 81.1% 75.9% 74.1% 74.7%
77.0% FY12 FY13 FY14 FY15

76.0% 90.0%
75.0% 80.0%
74.0% 70.0%
73.0% 60.0%
72.0% 50.0%
71.0% 40.0%
70.0% 30.0%
69.0% 20.0%
68.0% 10.0%
0.0%
67.0%
HDFC Bank YES Bank Indusind Bank Kotak
Mahindra
RoA FY12 FY13 FY14 FY15

HDFC Bank 1.7% 1.8% 1.9% 1.9%
YES Bank 1.5% 1.5% 1.6% 1.6%
Indusind Bank 1.6% 1.6% 1.8% 1.8%
ICICI bank 1.4% 1.6% 1.7% 1.8%
Axis Bank 1.7% 1.7% 1.8% 1.8%
FY12 FY13 FY14 FY15
2.0%
1.5%
1.0%
FY12 FY13 FY14 FY15
2.0%
1.5%
1.0%
0.5%
0.0%
HDFC Bank YES Bank Indusind Kotak ICICI bank Axis Bank
Bank Mahindra
Bank
RoRWA FY12 FY13 FY14 FY15

HDFC Bank 2.1% 2.2% 2.5% 2.4%
YES Bank 1.9% 1.9% 2.1% 1.9%
Indusind Bank 2.0% 2.0% 2.1% 2.0%
ICICI bank 1.6% 1.9% 2.0% 2.1%
Axis Bank 1.8% 2.0% 2.2% 2.1%
FY12 FY13 FY14 FY15
3.0%
2.5%
2.0%
1.5%
1.0%
0.5%
0.0%
HDFC Bank YES Bank Indusind Kotak ICICI bank Axis Bank
Bank Mahindra...
RoA & RoRWA FY12 FY13 FY14 FY15

RoA 1.7% 1.8% 1.9% 1.9%
RoRWA 2.1% 2.2% 2.5% 2.4%
RoA
3.0%
2.5%
2.0%
1.5%
1.0%
0.5%
0.0%
CASA details FY12 FY13 FY14 FY15

CA (%) 18.4% 17.7% 16.7% 16.3%
SA (%) 30.0% 29.8% 28.1% 27.7%
CASA (RHS) 48.4% 47.4% 44.8% 44.0%
CA (%) SA (%) CASA (RHS)

48% 48%
35% 49%
47%
48%
28% 47%
45% 46%
21% 44% 45%
43% 43%
44%
14% 30% 30% 28% 30% 28% 42% 43%
28% 27% 27%
42%
7% 41%
18% 18% 17% 16% 16% 18% 15% 15% 40%
0% 39%
CASA/Branch FY12 FY13 FY14 FY15

CASA 1,194,059 1,405,215 1,646,214 1,984,921
Branch 2,544 3,062 3,403 4,014
CASA/Branch 469.4 458.9 483.8 494.5
Rural Areas
Semi Urban Areas
Rural Areas (%) 0.0% 0.0% 22.0% 23.0%
Semi Urban Areas (%) 0.0% 0.0% 34.0% 32.0%
Ratios FY12 FY13 FY14 FY15

YoA 11.6% 12.3% 11.7% 11.1%
CoD 5.6% 6.0% 5.7% 5.7%
NIM 4.3% 4.6% 4.4% 4.4%
YoA CoD NIM

14.0%
12.0%
10.0%
8.0%
6.0%
4.0%
2.0%
0.0%
FY12 FY13 FY14 FY15 FY16 FY17 FY18E FY19E
FY16 (CASA/Branch) CA SA Total Deposits CA Ratio

HDFC Bank 884,247 1,478,862 5,464,242 16.2%
YES Bank 109,251 204,177 2,084,037 5.2%
Indusind Bank 154,780 172,460 1,198,852 12.9%
KMB 232,817 294,947 1,386,430 16.8%
ICICI bank 588,699 1,342,301 4,444,004 13.2%
Axis Bank 636,519 1,057,931 4,079,495 15.6%
CASA/Branch (RHS) CA Ratio SA Ratio

35% 30% 750
27% 26%
28% 600
21%
21%
14% 450
16% 17% 16%
CASA/Branch (RHS) CA Ratio SA Ratio
35% 30% 750
27% 26%
28% 600
21%
21%
14% 450
16% 17% 16%
14% 10% 13% 13%
300
7%
5%
0% 150
523 364 327 396 434 583
-7% -
HDFC Bank YES Bank Indusind Bank KMB ICICI bank Axis Bank
RoE FY12 FY13 FY14 FY15

HDFC Bank 18.7% 20.3% 21.3% 19.4%
YES Bank 23.1% 24.8% 25.0% 21.3%
Indusind Bank 19.2% 17.8% 17.5% 19.0%
ICICI bank 11.2% 13.1% 14.0% 14.5%
Axis Bank 21.2% 20.5% 18.2% 18.6%
RoE FY06 FY07 FY08 FY09

Advances 37.1% 33.9% 35.1% 55.9%
Assets 42.9% 24.0% 46.0% 37.6%
NII Growth 43.2% 36.2% 50.7% 42.0%
Other Income 66.0% 31.1% 43.4% 44.1%
Opex 55.8% 43.2% 54.7% 47.7%
Provisioning 83.3% 22.7% 48.4% 26.6%
PAT 30.8% 31.1% 39.3% 41.2%
RoE 17.7% 19.5% 17.7% 16.9%
RoA 1.4% 1.4% 1.4% 1.4%
1 2 3 4
BV 335 383.55 439.67 503.99
ROE 19% 19% 19%
EPS 63.57 72.88 83.54
Dividend Payout 23% 23% 23%
EPS Growth 15% 15%
Update from Form 20F data.. Captured in Sheet
FY15 FY16
Particulars (%)
Credit Cost GNPL Credit Cost GNPL
Retail loans:
Auto loans 0.74% 0.56% 0.83% 0.76%
Personal loans/Credit cards 1.95% 0.59% 1.73% 0.71%
Retail business banking 0.32% 1.52% 0.58% 1.96%
Commercial vehicle and constructio 1.53% 1.82% 0.98% 1.39%
Housing loans 0.01% 0.10% 0.11% 0.34%
Other retail loans 0.42% 0.81% 0.43% 0.89%
Wholesale loans 0.39% 1.10% 0.19% 1.01%
Gross loans 0.67% 1.00% 0.68% 1.06%
Customer segments and products of 350 leading FinTechs, 2015

Customer Segment Account Lending and Payments Financial
Retail Management
10.0% Financing
14.0% 25.0% Assets and
13.0%
Capital
Commercial 3.0% 9.0% 12.0% 4.0%
markets
Large Corporates 2.0% 1.0% 6.0% 2.0%
Retail Commercial
30.0%
25.0%
25.0%
20.0%
14.0% 13.0%
15.0% 12.0%
10.0% 9.0%
10.0%
6.0%
3.0%2.0% 4.0%
5.0% 2.0%
1.0%
0.0%
Account Lending and Payments Financial Assets
Management Financing and Capital
ma...
Customers using atleast one Non-Traditional Firm for Financial Services, by Country (%), 2016
Countries Respondents
(%)
China 84.4%
India 76.9%
UAE 69.6%
HongKong 53.5%
Spain 53.3%
Singapore 53.0%
Turkey 51.6%
UK 48.8%
US 45.8%
Australia 42.8%
Japan 40.6%
Canada 39.6%
France 36.2%
Belgium 30.4%
Netherlands 29.8%
90.0%
75.0%
60.0%
45.0%
30.0%
15.0%
0.0%
UK
Turkey
US
Netherlands
Japan
Belgium
Spain
France
China
India
UAE
Singapore
Canada
Australia
HongKong
Market concentration – total bank deposits

Countries Top 4 banks deTop 8 banks deposits concentration ratio
Australia 89.0% 97.0%
Germany 52.4% 61.2%
Netherlands 89.9% 95.2%
UK 53.7% 82.0%
USA 41.2% 49.8%
India 34.0% 52.3%
Top 4 banks deposits concentration ratio

97% 95%
100% 89% 90%
90% 82%
80%
70% 61%
60% 52% 54% 50% 52%
50% 41%
40% 34%
30%
20%
10%
0%
Australia Germany Netherlands UK USA India
3QFY17 Loan Book Share in Loan

Book
Retail 52.7%
Wholesale 43.7%
International 3.6%
4%
Retail
Wholesal
44% 53% e
Internatio
nal
3QFY17 Retail Loan Book Share in

Car Loans Retail20.2%
Loan
Book
CV loans 10.7%
2 wheeler loans 2.2%
Personal loans 14.5%
Business banking 19.6%
Loan against shares 0.7%
Credit Cards 7.3%
Home loans 10.9%
Gold loans 1.5%
Kisan Gold loans 7.4%
Other Retail 5.0%
Car Loans
CV loans
5% 2 wheeler
loans
1% 7% 20%
Personal loans
Business
11% banking
Loan against
11%
7% shares
Credit Cards
Home loans
1% 2%
14% Gold loans
20% Kisan Gold
loans
Other Retail
3QFY17 Deposits (Rs Mn) Total Rural Semi Urban Urban

Private Banks 23,257,033 700,077 2,833,435 4,570,824
3QFY17 Deposits (%) Rural Semi Urban Urban Metro

Private Banks 3.0% 12.2% 19.7% 65.2%
3QFY17 Deposits (Rs Mn) Total Rural Semi Urban Urban
Private Banks 19,529,976 448,345 1,669,840 2,744,475
3QFY17 Deposits (%) Rural Semi Urban Urban Metro

Private Banks 2.3% 8.6% 14.1% 75.1%
Private Banks region wise Deposits & Adv Deposits (%) Advances (%)
Metro 65.2% 75.1%
Urban 19.7% 14.1%
Semi Urban 12.2% 8.6%
Rural 3.0% 2.3%
No of Charges categorized by charge value

New Bank Charges – CY15 Rs 0 - 100 Mns 100 - 500 Mn 500 - 2000 Mn Rs > 2000 Mn
HDFC Bank 2,050 1,600 1,450 2,062
ICICI Bank 1,111 600 666 1,110
Axis Bank 984 751 542 710
SBI 808 511 536 937
PNB 971 708 377 432
Kotak Mah. Bank 412 353 449 576
Bank of Baroda 802 322 356 132
Yes Bank 218 274 245 466
Indusind Bank 493 296 179 148
Other Banks 19,230 9,910 6,685 6,717
Total 27,079 15,325 11,485 13,290
Banks y top 10 Banks

SBI 46373
HDFC 36758
PNB 27831
Canara 26060
BOB 24077
BOI 23558
ICICI 18549
UBI 16859
Axis 16666
OBC 14913
50000 46,373.0
45000
40000 36,758.0
35000
30000 27,831.0
26,060.0
24,077.0
23,558.0
25000
18,549.0
16,859.0
16,666.0
20000 14,913.0
15000
10000
5000
0
SBI HDFC PNB Canara BOB BOI ICICI UBI Axis OBC
30000 27,831.0
26,060.0
24,077.0
23,558.0
25000
18,549.0
16,859.0
16,666.0
20000 14,913.0
15000
10000
5000
0
SBI HDFC PNB Canara BOB BOI ICICI UBI Axis OBC
- - - -
Assets and Earnings Growth FY06 FY07 FY08 FY09
Assets Growth (%) 42.9% 24.0% 46.0% 37.6%
Earnings Growth (%) 49.8% 34.6% 48.4% 42.6%
Assets Growth (%) Earnings Growth (%)

60.0%
50.0%
40.0%
30.0%
20.0%
10.0%
0.0%
FY06
FY07
FY09
FY11
FY12
FY17E
FY18E
FY19E
FY08
FY10
FY13
FY14
FY15
FY16
Advances & Investmnets FY06 FY07 FY08 FY09
Advances/Assets (%) 47.6% 51.5% 47.6% 54.0%
Investment/Assets (%) 38.6% 33.5% 37.1% 32.1%
Investment/Assets (%) Advances/Assets (%)
100%
80%
60%
40%
20%
0%
FY17E
FY18E
FY19E
FY07
FY08
FY10
FY11
FY13
FY15
FY16
FY06
FY09
FY12
FY14
Total Provision/Advances FY06 FY07 FY08 FY09

Total Provision/Advances 2.3% 2.1% 2.3% 1.9%
2.5%2.3% 2.3%
2.1%
1.9%
2.0% 1.7%
1.5% 1.2%
0.9% 0.9%
1.0% 0.7% 0.7% 0.6%
0.5% 0.6% 0.6%
0.5%
0.0%
FY14
FY15
FY06
FY07
FY08
FY09
FY10
FY11
FY12
FY13
FY16
FY17E
FY18E
FY19E
Advances Growth (%) FY12 FY13 FY14 FY15
HDFC Bank 22.2% 22.7% 26.4% 20.6%
ICICI Bank 17.3% 14.4% 16.7% 14.4%
Axis Bank 19.2% 16.0% 16.8% 22.2%
Indusind Bank 34.0% 26.4% 24.3% 24.8%
YES Bank 10.5% 23.7% 18.4% 35.8%
FY12 FY13 FY14 FY15

40.0%
35.0%
30.0%
25.0%
20.0%
15.0%
10.0%
5.0%
0.0%
Deposits Growth (%) FY12 FY13 FY14 FY15

HDFC Bank 18.3% 20.1% 24.0% 22.7%
ICICI Bank 13.3% 14.5% 13.4% 8.9%
Axis Bank 16.3% 14.8% 11.2% 14.8%
Indusind Bank 23.3% 27.7% 11.8% 22.5%
YES Bank 7.0% 36.2% 10.8% 22.9%
FY12 FY13 FY14 FY15

40.0%
35.0%
30.0%
25.0%
20.0%
15.0%
10.0%
5.0%
0.0%
Kotak Mahindra Bank FY11 FY12 FY13 FY14

Advances 293,290 390,790 484,690 530,280
Deposits 292,610 385,370 510,290 590,720
Subsidiary Financials
HDFC Securities Limited FY13 FY14 FY15 FY16
Share capital 154 155 155 155
Reserves & surplus 3,559 4,267 5,545 6,506
Total assets 5,441 8,588 9,470 10,545
Total liabilities 1,729 4,166 3,770 3,885
Investments 328 858 836 1,498
Turnover 2,321 2,631 4,170 4,016
Profit before taxation 974 1,212 2,507 2,019
Provision for taxation 306 427 858 686
Profit after taxation 668 784 1,650 1,333
Proposed dividend (including tax thereon) 18 91 373 373
Branches 194 200 250 262
Cities 150 160 186 189
HDB Financial Services Limited FY13 FY14 FY15 FY16

Share capital 4,108 5,138 6,995 7,002
Reserves & surplus 4,628 11,148 24,257 28,616
Loan Disbursements 59,226 90,010 113,510 148,090
AUM 82,510 135,600 192,900 259,060
Total assets 84,123 136,894 197,421 251,891
Total liabilities 75,388 120,609 166,170 216,273
Investments 26 23 4,334 3,484
Turnover 9,632 16,883 25,273 33,020
Profit before taxation 1,501 3,181 5,303 8,178
Provision for taxation 477 1,088 1,808 2,834
Profit after taxation 1,025 2,092 3,495 5,344
Proposed dividend (including tax thereon) - - 590 1,011
Capital Adequacy 18.3% 18.4% 23.1% 19.2%
Net NPA 0.3% 0.4% 0.5% 0.7%
Employees 6,404 7,614 10,476 16,508
Branches 230 275 425 929
Cities 184 201 265 623
FY16 Advertising Retail Deposit Retail Total Expense

HDFC Bank Exp
2,484 4,363,830 Advances
2,898,330 169,797
ICICI Bank 2,110 3,118,550 2,030,358 126,836
Axis Bank 883 2,277,480 1,385,210 101,008
Indusind Bank 210 323,151 365,490 36,721
YES Bank 835 502,177 342,753 29,764
Kotak Mahindra Bank 966 525,836 54,715
FY15 Advertising Retail Deposit Retail Total Expense

HDFC Bank Exp
1,875 3,568,270 Advances
2,256,940 139,875
ICICI Bank 1,616 2,675,564 1,646,969 114,958
Axis Bank 906 1,119,320 92,037
Indusind Bank 429 284,120 28,701
YES Bank 703 22,847
Kotak Mahindra Bank 842
Advertising Exp/Total Retail Business FY15 FY16
HDFC Bank 0.03% 0.034%
ICICI Bank 0.04% 0.041%
Axis Bank 0.08% 0.024%
Indusind Bank 0.15% 0.031%
YES Bank #DIV/0! 0.099%
Advertising Exp/Total Expense FY15 FY16

HDFC Bank 1.3% 1.5%
ICICI Bank 1.4% 1.7%
Axis Bank 1.0% 0.9%
YES Bank 3.1% 2.8%
Kotak Mahindra Bank #DIV/0! 1.8%
Advertising Exp/Total Asset FY15 FY16

HDFC Bank 0.03% 0.03%
ICICI Bank 0.03% 0.03%
Axis Bank 0.02% 0.02%
YES Bank 0.05% 0.05%
Kotak Mahindra Bank #DIV/0! 0.05%
Rank Brand Name Category 2016 Brand

2015 2016 Value (US$
Mn)
1 1 HDFC Bank Banks 14,438
2 2 Airtel Telecom 9,978
3 3 SBI Providers
Banks 6,352
5 4 Asian Paints Paints 4,089
4 5 ICICI Bank Banks 3,957
6 6 Bajaj Auto Automobiles 3,403
9 7 Kotak Banks 3,333
10 8 Mahindra Bank
Maruti Suzuki Automobiles 2,850
7 9 Hero Automobiles 2,807
8 10 Axis Bank Banks 2,377
Advertising Exp FY06 FY07 FY08 FY09

HDFC Bank 809 749 1,147 1,087
ICICI Bank 1,856 2,177 2,079 1,403
Axis Bank 171 296 744 463
Indusind Bank 82 33 21 155
YES Bank 18 27 17 15
Kotak Mahindra Bank 112 150 220 199
Retail Deposit NA NA 606,454 992,765
Retail Advances 193,785 267,142 368,988 603,261
Total Expense 16,911 24,208 37,456 55,328
Total Asset FY06 FY07 FY08 FY09

HDFC Bank 735,869 912,356 1,331,764 1,832,707
ICICI Bank 2,520,587 3,453,125 4,004,171 3,793,009
Axis Bank 497,846 732,560 1,095,791 1,477,220
Indusind Bank 176,225 209,719 233,193 276,147
YES Bank 41,626 111,035 169,824 229,008
Kotak Mahindra Bank 101,755 199,154 283,124 287,119
Advertising Exp/Total Assets FY06 FY07 FY08 FY09

HDFC Bank 0.110% 0.082% 0.086% 0.059%
ICICI Bank 0.074% 0.063% 0.052% 0.037%
Axis Bank 0.034% 0.040% 0.068% 0.031%
Indusind Bank 0.046% 0.016% 0.009% 0.056%
YES Bank 0.043% 0.024% 0.010% 0.006%
0.110% 0.082% 0.086% 0.059%
HDFC Bank Axis Bank
Maturity Profile for Advances & Deposits
Deposits ns & Advances Deposits ns & Advances
1 Day 1.4% 1.3% 1.1% 1.2%
2-7 days 4.5% 2.0% 3.3% 1.1%
8-14 days 2.7% 1.4% 1.7% 0.9%
15-30 Days 2.4% 4.4% 2.2% 1.4%
31 Days to 2 months 3.5% 4.9% 4.4% 1.9%
2 Months to 3 months 3.3% 4.5% 4.2% 3.1%
3 months to 6 months 7.2% 7.5% 9.3% 4.0%
6 months to 1 year 14.3% 13.3% 19.1% 8.3%
1 year to 3 year 40.8% 44.8% 10.3% 17.9%
3 years to 5 Years 2.3% 8.8% 3.3% 12.9%
Over 5 years 17.8% 7.3% 41.3% 47.3%
Total 100.0% 100.0% 100.0% 100.0%
ICICI Bank Indusind Bank

Maturity Profile for Advances & Deposits
Deposits ns & Advances Deposits ns & Advances
1 Day 1.1% 0.3% 0.4% 0.8%
2-7 days 2.7% 0.8% 3.1% 8.9%
8-14 days 1.9% 0.7% 2.9% 2.1%
15-28 Days 1.5% 1.5% 4.5% 2.7%
29 Days to 3 months 7.1% 6.0% 17.4% 14.3%
3 months to 6 months 6.2% 6.7% 7.1% 6.4%
6 months to 1 year 12.7% 12.5% 17.9% 12.1%
1 year to 3 year 10.8% 33.5% 15.6% 36.4%
3 years to 5 Years 28.1% 16.5% 11.1% 10.1%
Over 5 years 27.9% 21.5% 20.1% 6.2%
Total 100.0% 100.0% 100.0% 100.0%
Maturity Profile for Advances (FY16) HDFC Bank Axis Bank ICICI Bank Indusind Bank
1 Day 1.3% 1.2% 0.3% 0.8%
2-7 days 2.0% 1.1% 0.8% 8.9%
8-14 days 1.4% 0.9% 0.7% 2.1%
15-30 Days 4.4% 1.4% 1.5% 2.7%
31 Days to 3 months 9.4% 5.0% 6.0% 14.3%
3 months to 6 months 7.5% 4.0% 6.7% 6.4%
6 months to 1 year 13.3% 8.3% 12.5% 12.1%
1 year to 3 year 44.8% 17.9% 33.5% 36.4%
3 years to 5 Years 8.8% 12.9% 16.5% 10.1%
Over 5 years 7.3% 47.3% 21.5% 6.2%
Total 100.0% 100.0% 100.0% 100.0%
GDP Growth %
FY06 9.5%
FY07 9.6%
FY08 9.3% 12.0%
FY09 6.7% 9.5% 9.6% 9.3%
10.0% 8.6% 8.9%
8.6% 7.9%
FY10 7.2%
8.0% 6.7% 6.7% 6.5
FY11 8.9%
6.0%
FY12 6.7%
7.9% 4.0%
FY13
FY14 7.2% 2.0%
FY15 6.5% 0.0%

FY16 5.5% FY06 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY1
Source: http://statisticstimes.com/economy/gdp-growth-of-india.php
100
Period Nominal GDP HDFC Loan System Loan HDFC Loan

FY01 7.7% Growth
37.9% Growth Growth/Nomi
nal GDP
FY02 8.7% 47.0% Growth
FY03 7.8% 72.5% 14.6% 9.4x
FY04 12.0% 51.0% 16.9% 4.2x
FY05 13.2% 44.1% 33.2% 3.3x
FY06 14.1% 37.1% 31.8% 2.6x
FY07 16.6% 33.9% 26.8% 2.0x
FY08 15.9% 35.1% 22.8% 2.2x
FY09 15.8% 55.9% 17.3% 3.5x
FY10 15.2% 27.3% 17.0% 1.8x
FY11 18.7% 27.1% 21.5% 1.5x
FY12 15.8% 22.2% 19.5% 1.4x
FY13 13.9% 22.7% 13.6% 1.6x
FY14 13.0% 26.4% 13.9% 2.0x
FY15 10.7% 20.6% 12.2% 1.9x
FY16 10.0% 27.1% 10.2% 2.7x
Nominal GDP HDFC Loan Growth

80.0%
70.0%
60.0%
50.0%
40.0%
30.0%
20.0%
10.0%
0.0%
FY01
FY02
FY03
FY04
FY05
FY08
FY09
FY12
FY13
FY14
FY15
FY16
FY06
FY07
FY10
FY11
SA deposits HDFC bank System % Market

FY12 0.7 16.4 Share
4.5%
FY13 0.9 18.2 4.9%
FY14 1.0 20.7 5.0%
FY15 1.2 23.4 5.3%
FY16 1.5 26.4 5.6%
3QFY17 1.9 33.9 5.5%
CA deposits HDFC bank System % Market

FY12 454,078.4 7,075,100.5 Share
6.4%
FY13 523,102.8 6,890,337.5 7.6%
FY14 614,880.4 7,411,040.2 8.3%
FY15 735,654.4 7,934,368.2 9.3%
FY16 884,246.7 8,769,552.5 10.1%
3QFY17 1,012,390 9,501,780.7 10.7%
Term Deposits HDFC Bank System % market

FY12 1273005.652 38230414.7496 Share
3.3%
FY13 1557254.586 45459010.846 3.4%
FY14 2027161.122 52150224.37 3.9%
FY15 2523035.918 57572577.153 4.4%
FY16 3101133.421 61409256.818 5.0%
3QFY17 3468315.6 62758442.579 5.5%
HDFCB's market share SA CA Term

FY12 4.5% 6.4% 3.3%
FY13 4.9% 7.6% 3.4%
FY14 5.0% 8.3% 3.9%
FY15 5.3% 9.3% 4.4%
FY16 5.6% 10.1% 5.0%
3QFY17 5.5% 10.7% 5.5%
Increase in mkt shr (bp) 100 424 220
Slippages (Rs Mn) 1QFY15 2QFY15 3QFY15 4QFY15

Slippages (Rs Mn) 12,717 10,302 11,642 17,195
Slippages (Rs
25,000 Mn)
19,666.0
18,494.2 19,478.8
20,000 17,194.8 17,346.8 16,384.3
15,000 12,717.1 13,870.7
13,147.5
11,642.1
10,302.4
10,000
5,000
-
2QFY15
3QFY15
4QFY15
3QFY16
1QFY15
1QFY16
2QFY16
4QFY16
1QFY17
2QFY17
3QFY17 607.3538184
19783512 607353818.4
Equity Raised Date of Form of Amout Raised % of Shares

Raising Capital
21-Jan-05 Raising Capital (Rs Mn)
ADS US$ 291mn (Rs Diluted
2.7%
Jul-07 11.6Bn)
ADS US$ 607mn(Rs 11.0%
HDFC Bank 23.9Bn)
10-Feb-15 QIP 20,000 0.8%
10-Feb-15 ADR US$ 1271mn 2.8%
ICICI Bank (Rs 76.3Bn)
0.9% 1.1% 1.3% 1.4%
0.3% 0.3% 0.4% 0.4%
69.9% 68.7% 69.8% 71.4%

0.9% 1.1% 1.3% 1.4%
0.3% 0.3% 0.4% 0.4%
0.7% 0.7% 0.9% 1.0%
Gross NPA (Rs Gross NPA (%) Provisions for Net NPA (Rs Net NPA (%)
Mn)
7,397.1 1.36% NPA
4,387.8 Mn)
3,009.3 0.55%
1,811.2 0.87% 1,534.0 277.2 0.13%
13.1 0.01% 9.5 3.6 0.00%
37.3 0.18% 37.3 - 0.00%
43.4 0.11% 32.5 10.9 0.03%
151.3 0.39% 128.1 23.2 0.06%
97.3 0.19% 74.0 23.3 0.05%
1,322.7 1.85% 1,157.8 164.9 0.23%
161.3 0.53% 69.0 92.3 0.30%
3,798.9 0.57% 1,666.7 2,132.2 0.32%
178.4 0.43% 162.0 16.4 0.04%
1,112.1 1.10% 940.4 171.7 0.17%
2.3 0.00% 1.0 1.3 0.00%
1,871.7 1.34% 1,369.4 502.3 0.36%
449.8 0.65% 334.5 115.3 0.17%
- 0.00% - - 0.00%
329.3 2.14% 260.9 68.4 0.44%
2,536.8 2.20% 2,198.3 338.5 0.29%
534.6 0.96% 245.8 288.8 0.52%
1,632.3 0.71% 1,478.7 153.6 0.07%
41.2 0.17% 12.6 28.6 0.12%
181.0 0.58% 169.3 11.7 0.04%
283.9 1.09% 191.2 92.7 0.36%
114.5 0.10% 114.5 - 0.00%
3,559.2 2.85% 2,292.8 1,266.4 1.01%
2,474.5 0.99% 1,561.9 912.6 0.36%
1,826.0 1.01% 1,196.1 629.9 0.35%
1,912.0 0.63% 1,190.6 721.4 0.24%
54.6 0.06% 26.0 28.6 0.03%
1,012.3 1.01% 795.5 216.8 0.22%
4,671.3 1.32% 3,483.3 1,188.0 0.34%
5,463.7 0.64% 3,369.2 2,094.5 0.24%
1,873.2 1.45% 1,475.4 397.8 0.31%
46,948.3 0.86% 31,966.1 14,982.2 0.27%

18.3% 17.9% 17.9% 16.5%
1.8% 1.8% 1.8% 1.8%
FY16
39
27.1% 19.4% 18.7% 24.5%
21.2% 17.8% 22.5% 17.0%

87,555 84,325 88,253 98,061
4,520 4,715 4,787 5,103
19.4 17.9 18.4 19.2

10,110,182 11,982,079 14,471,037 17,425,421
115.47 142.09 163.97 177.70
2,236.77 2,541.27 3,022.99 3,414.74
1QFY16 2QFY16 3QFY16 4QFY16 1QFY17 2QFY17
13,871 13,148 17,347 18,494 19,666 16,384
16,720 22,420 65,440 70,030 82,490 80,290
11,860 5,830 20,820 14,740 36,380 87,720
1,330 1,890 2,520 2,740 2,530 2,610
747 1,466 2,881 4,018 2,996 3,015

3,820,104 4,185,410 4,363,644 4,645,940 4,706,225 4,944,178
3,997,376 4,096,927 4,347,998 4,352,639 4,494,265 4,542,555
2,846,491 2,980,656 3,153,672 3,387,737 3,449,252 3,531,699
722,430 782,940 821,670 884,193 936,780 989,491
796,656 800,151 843,962 982,099 1,059,420 1,102,162

0.4% 0.3% 0.4% 0.4% 0.4% 0.3%
0.4% 0.5% 1.5% 1.6% 1.8% 1.8%
0.4% 0.2% 0.7% 0.4% 1.1% 2.5%
0.2% 0.2% 0.3% 0.3% 0.3% 0.3%
0.1% 0.2% 0.3% 0.4% 0.3% 0.3%
FY13 FY14
Fund Based Non-Fund TotalExposure FundBased ExposureBased Exposure
Exposure
2,725,071 Based
386,943 3,112,014 Based/Total
87.6% 3,514,193 653,960
Exposure Exposure
5,871,084 2,799,490 8,670,574 67.7% 6,300,349 2,855,526
2,863,865 883,284 3,747,148 76.4% 3,492,768 931,160
670,310 299,590 969,900 69.1% 796,426 319,596
899,756 269,297 1,169,053 77.0% 965,658 290,696
FY16
87.8%
73.5%
83.1%
68.8%
75.4%
FY13 FY14 FY15

Wholesale Non-Fund Non-Fund Wholesale Non-Fund Based
Based Exposure
Exposure Based
#DIV/0! Based
653,960 Exposure
1,424,101 45.9% 652,835
Exposure/Who Exposure
943,311 lesale296.8%
Loans 2,855,526 1,019,495 280.1% 2,892,443
1,430,060 61.8% 931,160 1,420,384 65.6% 1,037,904
219,196 136.7% 319,596 303,170 105.4% 469,902
384,456 70.0% 290,696 438,388 66.3% 414,523
FY16
33.3%
240.8%
49.0%
107.5%
59.3%
44.3% 43.4% 41.0% 39.7%
FY13 FY14
Contingent Forex Total Assets Contingent gent Liabilities Forex
Liabilities
7,201,124 4,481,085 4,003,319 Liabilities/Tot
67.9% 7,231,549 4,762,996
al Assets
7,899,893 6,296,417 5,367,947 147.2% 7,814,304 6,247,107
5,481,159 4,612,600 3,405,607 160.9% 5,950,645 4,817,287
1,349,029 1,094,097 733,065 184.0% 1,478,043 1,244,187
2,478,044 2,208,068 991,041 250.0% 2,010,168 1,699,389
FY16
45.6%
125.0%
117.5%
203.6%
200.4%
Mobile Banking
FY15 FY16
33.76% 22.58%
17.45% 24.63%
11.45% 23.93%
12.38% 13.82%
7.13% 5.69%
2.47% 0.91%
0.54% 0.53%
0.91% 0.19%
RTGS FY15 FY16 Mobile Banking FY15 FY16

40.00%
35.00%
30.00%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
nk SBI Axis Bank Kotak YES Bank Bank of Punjab HDFC Bank ICICI Bank SBI Axis Bank Kotak YES Bank B
Mahindra Baroda National Mahindra B
Bank Bank Bank
FY16
11% 15%
3%
ATM
Internet & Mobile
Phone Banking
Branches
71%
FY16
5.4%
5.8%
Restructured Restructured SDR 5:25
(Rs Mn)
NA (%)
NA NA NA
4,918 0.42% 114 1,031
4,214 0.41% NA NA
1,460 0.11% NA NA
64,070 1.40% 34,000 33,000
63,360 1.61% 13,600 29,920

71.5% 74.1% 75.2% 74.9%
80.4%
83.0%
82.5%
84.2%
76.9%
YES Bank Indusind Bank Kotak ICICI bank Axis Bank

Mahindra Bank

1.8% 1.8% 1.8% 1.8%
1.7% 0.212%
1.8% 0.261%
1.1% -0.565%
1.4%
1.7%
2.3% 2.3% 2.2% 2.3%
1.9% 0.031%
2.0% -0.081%
1.1% -0.409%
1.6%
2.0%

1.8% 1.8% 1.8% 1.8%
2.3% 2.3% 2.2% 2.3%

16.2% 18.0% 15.1% 15.4%
27.1% 30.1% 28.4% 26.9%
43.2% 48.0% 43.5% 42.4%

2,363,108 3,091,525 3,430,928 3,911,981
4,520
522.8 #DIV/0! #DIV/0! #DIV/0!
1,025
1,439
22.7%
31.8%
FY16 FY17 FY18E FY19E

10.8% 10.2% 10.3% 10.5%
5.9% 5.3% 4.6% 4.8%
4.4% 4.4% 4.4% 4.4%
SA Ratio CASA Branch CASA/Branch

27.1% 43.2% 4,520 (RHS)
522.8
9.8% 15.0% 860 364.5
14.4% 27.3% 1,000 327.2
21.3% 38.1% 1,333 395.9
30.2% 43.5% 4,450 433.9
25.9% 41.5% 2,904 583.5
18.3% 17.9% 17.9% 16.5%
19.9%
16.6%
8.7%
11.5%
17.5%

27.3% 27.1% 22.2% 22.7% 26.4% 20.6%
21.4% 24.7% 21.8% 18.5% 22.8% 20.1%
13.0% 25.7% 16.6% 28.6% 16.9% 21.2%
21.0% 8.8% 21.0% 30.7% 15.6% 13.6%
7.4% 20.4% 20.1% 30.8% 7.2% 16.2%
13.9% -10.9% -24.6% 16.7% -5.3% 30.7%
31.3% 33.2% 31.6% 30.2% 26.0% 20.5%
16.1% 16.7% 18.7% 20.3% 21.3% 19.4%
1.5% 1.6% 1.7% 1.8% 1.9% 1.9%
5 6 7 8 9 10
577.73 662.25 759.13 870.19 997.50 1,143.44
19% 19% 19% 19% 19% 19%
95.76 109.77 125.83 144.24 165.34 189.53
23% 23% 23% 23% 23% 23%
15% 15% 15% 15% 15% 15%
Assets Opex Provisioning PAT

100.0%
80.0%
60.0%
40.0%
20.0%
0.0%
-20.0%FY06 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY
-40.0%
Assets Opex Provisioning PAT
100.0%
80.0%
60.0%
40.0%
20.0%
0.0%
-20.0%FY06 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY
-40.0%
Banks Deposits
SBI 16,364,240
BOB 5,740,380
PNB 5,530,510
HDFC Bank 5,464,242
BOI 5,130,050
Canara Bank 4,797,920
ICICI Bank 4,214,257
Axis Bank 3,579,676
Union Bank 3,427,200
Yes Bank 1,117,195
Indusind Bank 930,003
Federal Bank 791,720
South Indian 557,207
Bank
Karur Vysya 500,790
Bank
City Union 271,581
Bank
Total Banking 97,208,220
Sector
Metro
15,152,697
Metro
14,667,316
al # of chargesf Total Charges

7,162 10.7%
3,487 5.2%
2987 4.4%
2792 4.2%
2488 3.7%
1790 2.7%
1612 2.4%
1203 1.8%
1116 1.7%
42,544 63.3%
67,181 100.0%
- - - - - -
21.4% 24.7% 21.8% 18.5% 22.8% 20.1%
15.5% 20.3% 17.9% 29.2% 16.5% 18.9%

56.6% 57.7% 57.8% 59.9% 61.6% 61.9%
26.3% 25.6% 28.8% 27.9% 24.6% 25.7%

1.7% 1.2% 0.7% 0.7% 0.5% 0.6%
FY16
27.1%
12.3%
20.5%
28.5%
30.0%
FY16
21.2%
16.6%
11.0%
25.4%
22.5%
FY15 FY16
661,610 1,186,650
748,600 1,386,430
Total Asset
7,407,961
7,206,951
5,254,676
1,400,570
1,652,634
1,922,598
Total Asset
5,905,031
6,461,293
4,619,324
1,117,874
1,361,704
831 1,589 1,525 1,841 1,436 1,875
1,108 1,488 1,325 1,892 1,834 1,616
473 790 881 1,196 960 906
63 165 162 133 295 429
108 206 103 322 596 703
193 440 564 708 768 842
1,135,270 1,399,610 1,786,570 2,218,750 2,871,570 3,568,270
714,581 801,242 1,071,260 1,363,880 1,647,630 2,256,940
59,398 71,529 85,901 112,361 120,422 139,875

2,224,586 2,773,526 3,379,095 4,003,319 4,915,995 5,905,031
3,634,002 4,062,336 4,890,688 5,367,947 5,946,416 6,461,293
1,806,478 2,427,133 2,856,540 3,405,607 3,832,449 4,619,324
353,695 456,358 575,961 733,065 870,259 1,117,874
363,825 590,070 736,621 991,041 1,090,158 1,361,704
374,363 508,507 656,668 836,937 875,853 1,060,121

0.037% 0.057% 0.045% 0.046% 0.029% 0.032%
0.030% 0.037% 0.027% 0.035% 0.031% 0.025%
0.026% 0.033% 0.031% 0.035% 0.025% 0.020%
0.018% 0.036% 0.028% 0.018% 0.034% 0.038%
0.030% 0.035% 0.014% 0.032% 0.055% 0.052%
0.052% 0.087% 0.086% 0.085% 0.088% 0.079%
0.037% 0.057% 0.045% 0.046% 0.055% 0.052%
Yes Bank
Deposits ns & Advances
0.8% 1.1%
5.8% 0.9%
2.5% 0.8%
4.1% 2.3%
11.1% 11.6%
15.1% 8.0%
24.2% 13.0%
8.7% 35.9%
26.9% 12.9%
0.9% 13.6%
100.0% 100.0%
Yes Bank
1.1%
0.9%
0.8%
2.3%
11.6%
8.0%
13.0%
35.9%
12.9%
13.6%
100.0%
8.6% 8.9%
7.9%
7.2%
% 6.7% 6.5%
5.5%
9 FY10 FY11 FY12 FY13 FY14 FY15 FY16
1.40
2.52
2.25
1.62
1.43
1.10
1.12
1.15
1.23
0.98
1.07
1.15
1.02
13,871 13,148 17,347 18,494 19,666 16,384
-200
19783312
2429.4152736 0.10971963747 15260000
24294152736 354432920 319389608 35043312 15259800 1677800
Dilution Price 21.6 Lac 309875308

(Rs)
US$ 39.26 7641365.25726 284791713
US$ 92.1 25083595
1067 2160000
US$ 57.76 22923595
22924095.7718
-500.77177789
Industry Based (Rs Mn) Gross NPA (%) Net NPA (%)
Consumer Loans 670,476 0.57% 0.32%
Agriculture and Allied Activities 542,511 1.36% 0.55%
Wholesale Trade 354,500 1.32% 0.34%
Services 304,246 0.63% 0.24%
Retail Trade 250,482 0.99% 0.36%
Banks and Financial Institutions 244,076 0.01% 0.00%
NBFC / Financial Intermediaries 230,877 0.71% 0.07%
Automobile & Auto Ancillary 209,260 0.87% 0.13%
Road Transportation 180,688 1.01% 0.35%
Food and Beverage 139,774 1.34% 0.36%
Real Estate & Property Services 124,799 2.85% 1.01%
Power 120,308 0.10% 0.00%
Iron and Steel 115,487 2.20% 0.29%
Other Retail Assets 855,171 0.64% 0.24%
Other Industries 1,122,092 0.14% 0.03%
Total 5,464,747 0.86% 0.27%
3QFY17
19,479
70,370
45,600
2,810
1,265
3QFY17
4,950,433
4,574,695
3,471,747
1,027,700
1,170,870
3QFY17 FY16 9MFY17

0.4% 1.4% 1.1%
1.5%
1.3%
0.3%
0.1%
FY14 FY15
TotalExposure Fund Based/TotBased ExposureBased Exposure TotalExposure
4,168,153 84.3% 4,364,356 652,835 5,017,191
9,155,876 68.8% 7,020,794 2,892,443 9,913,237
4,423,928 79.0% 4,150,390 1,037,904 5,188,294
1,116,022 71.4% 974,887 469,902 1,444,789
1,256,354 76.9% 1,221,201 414,523 1,635,724
FY15 FY16
Wholesale Exposure Non-Fund Based
Based Exposure esale Exposure Non-Fund Based Exposure/Wholesale Loa
1,790,926 36.5% 758,699 2,276,510 33.3%
1,116,064 259.2% 2,882,304 1,196,976 240.8%
1,691,508 61.4% 982,160 2,002,528 49.0%
403,760 116.4% 557,410 518,700 107.5%
622,153 66.6% 480,637 810,723 59.3%
FY14 FY15
Total Assets Contingent Liabigent Liabilities Forex Total Assets
4,915,995 50.2% 9,752,340 6,750,214 5,905,031
5,946,416 131.4% 8,519,776 6,991,168 6,461,293
3,832,449 155.3% 5,911,749 4,683,886 4,619,324
870,259 169.8% 2,089,731 1,759,527 1,117,874
1,090,158 184.4% 3,372,993 2,943,834 1,361,704
bile Banking FY15 FY16
Axis Bank Kotak YES Bank Bank of Punjab

Mahindra Baroda National Bank
Bank
27.1% 19.4% 18.7% 24.5%
25.5% 16.6% 23.2% 17.0%
23.2% 20.1% 21.0% 20.3%
19.5% 14.4% 23.8% 15.8%
21.4% 16.0% 15.2% 15.1%
31.3% 31.8% 65.0% 27.4%
20.4% 18.3% 20.2% 20.5%
18.3% 17.9% 17.9% 16.5%
1.8% 1.8% 1.8% 1.8%
11
1,310.72 1,502.48 1,722.30
19% 19% 19%
217.25 249.04 285.47
23% 23% 23%
15% 15% 15%
sets Opex Provisioning PAT
FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17E FY18E FY19E
sets Opex Provisioning PAT
FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17E FY18E FY19E
-
25.5% 16.6% 23.2% 17.0%
22.1% 18.5% 21.7% 19.1%

62.7% 64.2% 61.9% 65.8%
26.4% 24.8% 22.8% 23.3%

0.6% 0.6% 0.9% 0.9%
FY16 Total
2,484 15,372
2,110 18,886
883 7,763
210 1,747
835 2,950
966 5,162
4,363,830
2,898,330
169,797
FY16
7,407,961
7,206,951
5,254,676
1,400,570
1,652,634
1,922,598 10000
Advertising
Exp/Total
FY16 Assets (bp)
0.034% FY06
0.029% FY07
0.017% FY08
0.015% FY09
0.051% FY10
0.050% FY11
0.051% FY12
FY13
FY14
FY15
FY16
3QFY17
19,479
-200
FY16
Fund Based/TotBased ExposureBased Exposure TotalExposure Fund Based/Total Exposure
87.0% 5,464,747 758,699 6,223,446 87.8%
70.8% 7,983,539 2,882,304 10,865,843 73.5%
80.0% 4,832,151 982,160 5,814,311 83.1%
67.5% 1,232,022 557,410 1,789,432 68.8%
74.7% 1,469,984 480,637 1,950,621 75.4%
-Fund Based Exposure/Wholesale Loans

FY16
Contingent Liabigent Liabilities Forex Total Assets Contingent Liabilities/Total Assets
50.8% 8,533,181 5,303,397 7,088,456 45.6%
131.9% 9,007,988 7,477,507 7,206,951 125.0%
128.0% 6,174,464 4,784,964 5,254,676 117.5%
186.9% 2,851,013 2,441,514 1,400,570 203.6%
247.7% 3,312,392 2,757,644 1,652,634 200.4%
HDFC ICICI Axis Indusind YES KMB
11.0 7.4 3.4 4.6 4.3 11.0
8.2 6.3 4.0 1.6 2.4 7.5
8.6 5.2 6.8 0.9 1.0 7.8
5.9 3.7 3.1 5.6 0.6 6.9
3.7 3.0 2.6 1.8 3.0 5.2
5.7 3.7 3.3 3.6 3.5 8.7
4.5 2.7 3.1 2.8 1.4 8.6
4.6 3.5 3.5 1.8 3.2 8.5
2.9 3.1 2.5 3.4 5.5 8.8
3.2 2.5 2.0 3.8 5.2 7.9
3.5 2.9 1.7 1.5 5.1 5.0
Capital issuance history since FY2000 for HDFC Bank
Date of Allotment No. of Shares No. of Warrants Issue Price (Rs.)

10.02.2015 18,744,142 1,067
10.02.2015 66,000,000 U.S $ 57.76
24.06.2008 69,883,956
03.06.2008 26,200,220 153.02
18.07.2007 19,783,512 US $ 92.10
29.06.2007 13,582,000 1,023.49

25.01.2005 2,990,100
21.01.2005 19,933,995
25.07.2005 4,880,694
20.07.2001 32,537,958
29.03.2000 5,120,000 94
29.03.2000 13,310,000 94
29.03.2000 23,478,261
29.03.2000 1,370,000 94
QIP Amount (Rs mn) 240,000

Issue Price (Rs ) 2,174
No. of Shares to be I 110
Share Premium 239,779
Share Capital 221
Remarks
Shares Issued 88 applicants - QIP Issue 2015 (Aggregating Rs 2,000 crs )
Shares Issued - ADR Issue 2015 ( Aggregating US$ 1271 million )
Shares issued to Centurion Bank of Punjab (CBP) Limited upon amalgamation, with
share swap ratio of 1 HDFC Bank Share:29 CBP share
Issue of convertible warrant certificate to HDFC Ltd.
Allotment of 65,94,504 ADS ( One 1ADS represent 3 equity Shares of the Bank)
Preferential Allotment to HDFC Ltd as per shareholders’ approval obtained in the 13th
Annual General Meeting dated 16th June, 2007
Allotment of American Depository Shares
Indocean Financial Holdings Limited
HDFC Holdings Limited
Shares issued to Times Bank Limited upon amalgamation. Share swap ratio (1 HDFC
Bank : 5.75 Times Bank Limited shares).
The Indian Private Equity Fund (Mauritius)

HDFC Bank - Base

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ERE or Excess Return to equity Calculation

Cost of equity = 13.6%

1,492,063.5 1,701,033.8 1,867,572.7 2,071,515.9 2,389,825.1

0.88 1.00 1.14 1.29 1.47

2,574,414 1,752,898 2,244,454 3,120,216 3,238,241

543,138 626,597 722,879 833,957 962,103 1,109,940

2,757,045.6 3,180,693.2 3,669,438.5 4,233,284.4 4,883,770.9 5,634,211.2

1.67 1.89 2.15 2.44 2.77 3.15

3,358,101 3,479,824 3,603,440 3,728,977 3,856,466 3,985,936

1,280,493 1,477,253 1,704,248 1,966,123 2,268,237 2,616,775

6,499,964.0 7,498,748.5 8,651,006.2 9,980,319.8 11,513,895.8 13,283,121.0

3.58 4.07 4.62 5.25 5.96 6.77

4,117,420 4,250,947 4,386,550 4,524,261 4,664,113 4,806,140

3,018,868 3,482,748 4,017,907 4,635,298

15,324,205.4 17,678,922.8 20,395,466.0 23,529,433.4

7.69 8.74 9.93 11.28

4,950,374 5,096,850 5,245,603

Static DCF Assumptions

Risk Free Rate 7.0%

Enter no. of years of high growth 20

Target price date 9/30/2020

Current No. of Shares 5446.6

Price % 1M% 3M% 12M%

FY19A FY20E FY21E FY22E Sensitivity to Key Variables % Change

4.30 4.07 3.57 1,406

Years of strong growth 1 5 10 20

Equirus Consensus % Diff Comparable valuation

10.2% 10.3% 10.6% 10.5% 10.6% 10.4% 10.2% 10.0% 9.9%

1.5% 8.8% 6.9% 4.1% 1.6% 1.7% 4.9% 7.3% -3.6%

15.4% 20.6% 21.9% 22.8% 22.9% 14.9% 12.7% 16.2% 10.2%

9.9% 9.9% 8.4% 10.5% 10.1% 9.9% 9.9%

4.8% 2.9% -13.0%

13.6% 11.5% -9.6% 20.3% 15.9% 6.5% 10.6%

P&L (Rs mn) FY19A FY20E FY21E FY22E

Balance Sheet (Rs mn) FY16A FY17A FY18A FY19A

Particulars FY16A FY17A FY18A FY19A

% Change Earlier Estimates

Net Interest Income 141,729 142,434 135,150

10.6% (21) (38)

8,525,019 0.0% 4.5% 25.2%

Dupont Analysis Equirus Estimates

0.51% 0.62% 0.81% 0.87% 1.02% 1.70%

uirus Estimates 3.2 2.8 2.4 2.0 1.5

1.3 1.2 1.1

FINANCIAL_SUMMARY_SCALE Financial Summary(scale) Rs mn

Company Specific Items

<-- Analyst to enter (Can come through GETDATA Functions

<-- Analyst to enter

<-- Analyst to enter

<-- Analyst to enter

<-- Analyst to enter

1,355 1,911 2,907 3,796

0 672 1,200 1,414 3,003

0 2,101 2,970 3,876 5,095

2,436 2,814 2,821 2,848

0 9,131 19,423 22,448 26,919

116,581 176,538 223,761 304,089

0 317 584 730

46,367 68,137 117,549 177,445

2,897 3,711 5,286 6,179

9,234 11,721 16,417 11,042

42.0% 22.8% 17.0%