RATIO ANALYSIS

PROFITABILITY RATIOS 1. ROA = Net Income / Asset 2. ROE = Net Income / Shareholders' Equity 3. Operating profit Margin = Operating Profit / Interest Income 4. Net Profit Margin = Net Income/Interest Income

EFFICIENCY RATIOS 1. Total Asset Turnover = Interest Income / Average Asset 2. Fixed Asset Turnover = Net interest Income / Fixed Assets

ADEQUACY RATIO 1. Capital Adequacy Ratio = Capital Base (Tier I + Tier II) / Risk-weighted Assets Core Capital Adequacy Ratio = Core Capital (Tier- I) / Risk-weighted Assets 2. Supplementary Capital Adequacy Ratio = Supplementary Capital (Tier- II) / Riskweighted Assets

LEVERAGE RATIOS 1. Long-Term Debt to Equity Ratio = Long-Term Debt / Equity 2. Total Debt to Equity Ratio = Total Debt / Equity 3. Total Debt to Total Asset Ratio = Total Debt / Total Asset 4. Total Equity to Total Asset Ratio = Total Equity / Total Asset

MARKET VALUE RATIOS 1. Price Earnings Ratio (P/E) = Stock Price per Share / Earnings per Share (EPS)

OTHER RATIOS 1. Loan to Deposit Ratio = Total Loans & Advances / Total Deposit 2. Classified Loan Ratio = Classified Loans / Total Loans 3. Actual to Required Provisioning = Actual Provisioning / Required Provisioning 4. Net Spread = Interest earned / Interest paid

Growth/Trend Analysis
1. Deposits 2. Loans & Advances/Investments 3. Performing / No- Performing loans 4. Classification of advances a. Unclassified b. Classified 5. Provision for Classified and Unclassified loan 6. Price Earnings Ratio 7. Earnings per Share (EPS) 8. Dividend Ratio 9. Net Asset Value (NAV) 10. Net Interest Income 11. CRR & SLR 12. Current Ratio