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    Data Analysis

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    Bhaswani
    The document contains tables and charts showing the financial performance of a company over several years. Key metrics like operating profit, net profit, earnings per share and dividends increased each year from 2007-2008 to 2011-2012. Total business, including deposits, advances and business volume, also increased each year from 2008 to 2012. Priority sector advances for agriculture and micro/small enterprises increased from 2009 to 2011. Ratios like net interest margin, return on assets and return on net worth remained healthy. The company has headroom to raise capital and support further business growth.

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    Data Analysis

    Uploaded by

    Bhaswani
    72 views6 pages
    The document contains tables and charts showing the financial performance of a company over several years. Key metrics like operating profit, net profit, earnings per share and dividends increased each year from 2007-2008 to 2011-2012. Total business, including deposits, advances and business volume, also increased each year from 2008 to 2012. Priority sector advances for agriculture and micro/small enterprises increased from 2009 to 2011. Ratios like net interest margin, return on assets and return on net worth remained healthy. The company has headroom to raise capital and support further business growth.

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    The document contains tables and charts showing the financial performance of a company over several years. Key metrics like operating profit, net profit, earnings per share and dividends increased each year from 2007-2008 to 2011-2012. Total business, including deposits, advances and business volume, also increased each year from 2008 to 2012. Priority sector advances for agriculture and micro/small enterprises increased from 2009 to 2011. Ratios like net interest margin, return on assets and return on net worth remained healthy. The company has headroom to raise capital and support further business growth.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    72 views6 pages

    Data Analysis

    Uploaded by

    Bhaswani
    The document contains tables and charts showing the financial performance of a company over several years. Key metrics like operating profit, net profit, earnings per share and dividends increased each year from 2007-2008 to 2011-2012. Total business, including deposits, advances and business volume, also increased each year from 2008 to 2012. Priority sector advances for agriculture and micro/small enterprises increased from 2009 to 2011. Ratios like net interest margin, return on assets and return on net worth remained healthy. The company has headroom to raise capital and support further business growth.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    of 6

    TABLE.

    1 NP&OP
    Column1
    operating profit
    net profit

    2007-2008

    2008-2009
    2959
    1565

    2009-2010
    3964
    2072

    2010-2011
    5061
    3021

    6091
    4026

    7000
    6091 5943

    6000
    5061
    5000

    4026

    3964

    4000
    3000

    3283

    3021

    2959
    2072
    1565

    2000
    1000
    0
    operating profit
    2007-2008

    Column1
    EARNINGS PER SHARE
    DIVIDEND

    net profit

    2008-2009

    2007-2008

    2009-2010

    2010-2011

    2011-2012

    TABLE.2 EPS & DIVIDEND


    2008-2009
    2009-2010
    2010-2011
    38.17
    50.55
    73.69
    97.83
    100

    120

    110
    97.83

    100
    73.69

    80
    60
    40

    100
    74.1

    50.55
    38.17

    20
    0
    EARNINGS PER SHARE
    2007-2008

    2008-2009

    DIVIDEND
    2009-2010

    2010-2011

    2011-2012

    business volume
    deposits
    advances
    total business

    2008

    2009
    154072
    107238
    261310

    2010
    186893
    138219
    325112

    2011
    234651
    169335
    403986

    293437
    211268
    504705

    Chart Title
    1.2
    1
    0.8
    0.6
    0.4
    0.2
    0

    Overseas Branch
    London (GBP Mn)
    Hong Kong (USD Mn)

    Priority
    Sector
    Advances
    Agriculture
    Micro
    &
    Small
    Enterprises
    Total Priority Sector

    Deposits
    992.69
    61.85

    Advances
    771.08
    363.25

    As on 31st March
    2009
    2010
    20144
    25051
    16316
    24180
    48763

    59310

    Gross Profit
    8.88
    5.5

    Net Profit
    0.3
    2.48

    2011
    26305

    2012
    31946

    22154
    62108

    27848
    67383

    key ratios

    Key Financial Ratios (%)

    2011-2012
    5943
    3283

    Cost of Funds
    Yield on Funds
    Cost of Deposits
    Yield on Advances
    Yield on Investments
    Spread as a % to AWF*
    Net Interest Margin (NIM)
    Operating Expenses to AWF
    Return on Avg. Assets (RoAA)
    Return on Avg. Net worth
    Business per Employee (Rs. in Crore)
    Profit per Employee (Rs. in Lack)
    Book Value (Rs.)
    Earnings per Share (Rs.)

    2008-2009

    6.32
    8.72
    6.87
    10.79
    7.94
    2.4
    2.78
    1.56
    1.06
    22.61
    7.8
    4.97
    244.87
    50.55

    AWF - Average Working Funds

    2011-2012
    74.1
    110

    composition of income
    investment
    non interest
    loans and advances
    others

    2007-2008

    composition of expenditure
    staff cost
    interest expenditure
    other operating expenditure

    2007-2008

    Composition of Capital
    Risk Weighted Assets
    Tier I Capital
    CRAR (%)(Tier I)
    Tier II Capital
    CRAR (%)(Tier II)
    Total Capital
    CRAR (%)

    Mar-09
    Basle II
    125111
    10023
    8.01
    7623
    6.09
    17646
    14.1

    the Bank has large headroom available under both Tier I and Tier II options to

    2012
    327054
    232490
    559544

    #REF!
    #REF!
    #REF!
    #REF!
    #REF!
    0

    0.2

    0.4

    2009-2010

    5.65
    8.1
    6.12
    9.81
    7.52
    2.45
    2.8
    1.5
    1.3
    26.76
    9.83
    7.36
    305.83
    73.69

    2008-2009

    2010-2011
    2011-2012
    5.37
    6.72
    8.13
    8.95
    5.8
    7.35
    9.73
    10.93
    7.72
    7.96
    2.76
    2.23
    3.12
    250
    1.56
    0.51
    1.42
    0.95
    29.47
    18.75
    11.96
    9.76
    359.25
    97.83

    2009-2010

    13.74
    8.21
    431.26
    74.1

    2010-2011
    21
    13
    65
    1

    2008-2009

    Mar-10
    Basle II
    150623
    12870
    8.54
    7362
    4.89
    20232
    13.43

    2009-2010

    2011-2012
    22
    10
    67
    1

    2010-2011

    21
    9
    69
    1
    2011-2012

    13
    79
    8

    15
    78
    7

    Mar-11
    Basle II
    176136
    19139
    10.87
    7956
    4.51
    27095
    15.38

    Mar-12
    Basle II
    210875
    21829
    10.35
    7179
    3.41
    29008
    13.76

    11
    83
    6

    er both Tier I and Tier II options to raise capital and support business growth momentum.

    #REF!
    #REF!
    #REF!
    #REF!
    #REF!

    0.6

    0.8

    1.2

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