Name: Bank Model

Interest Income
Interest Advances
Income on Investments
Interest on balances with RBI
Others

FY06
11,883
8,356
3,110
142
275

FY07
15,003
10,446
3,919
309
328

Interest Expenses
Interest on Deposits
Interest on Borrowings from RBI
Others

(8,732)
(7,778)
(499)
(455)

(12,288)
(10,599)
(839)
(851)

Profit & Loss Statement

Net Interest Income

3,151

2,714

Other Income
Commission & other fee income
Profit/Loss on sale of investments
Profit on exchange transactions
Others

1,888
405
133
105
1,245

2,441
687
187
187
1,381

Net Income

5,039

5,155

Operating Expenses
Employee cost
Others

(3,166)
(848)
(2,318)

(3,440)
(963)
(2,477)

Pre-provision Profits

1,873

1,716

Proivisions
NPA provision
Provision for standard asset
Provision for depreciation on investments
Other provisions

(1,281)
(903)
(131)
(76)
(171)

(642)
(559)
(98)
(23)
38

PBT

592

1,074

Tax

(224)

(392)

PAT

368

672

No. of Shares o/s

290

290

EPS
Dividends
Dividends - Tax
Dividends Tax rate
DPS
Dividend Payout

Balance Sheet
Sources of Funds
Networth
Capital
Reserves and Surplus
Revaluation Reserves/minority interest
Other Reserves
Networth after minority interest
Adjusted Netwoth after Net NPA
Deposits
Demand Deposits
Savings Bank Deposits
Term Deposits
Borrowings
Borrowings in India
Borrowings outside India
Total Interest-bearing liabilities
Other liabilities & provisions
Total liabilities

Application of Funds

1.27

2.31

(192)
(33)
17.0%
0.7
28.5%

FY06

FY07

8,661
2,905
5,755
5,755
8,661
6,711

10,568
3,200
7,368
7,368
10,568
7,830

150,063
12,014
7,292
130,757

176,448
17,113
9,214
150,121

5,349
2,221
3,129

5,925
4,037
1,889

155,413

182,373

12,152

16,330

176,225

209,271

Cash and Balances with RBI

FY06
6,041

FY07
10,212

Inter-bank borrowings

8,764

15,742

Investments
Investments in India
Investments outside India

54,099
54,099
-

58,917
58,917
-

Loans & Advances

93,105

110,842

162,009

195,713

Total Earning Assets

Fixed Assets

3,396

3,696

Other Assets

10,821

9,863

Total Assets
Check

176,225
-

209,271
-

Contingent Liabilities
Bills for Collection

168,365
17,587

207,617
14,614

Averages
Average
Average
Average
Average
Average
Average
Average

91,551
140,603
152,122
146,331
47,395
8,477
166,223

101,973
163,256
178,861
168,893
56,508
9,614
192,748

Efficiency
Employees
Branches
ATM
Total Business
Business per employee
Business per employee reported
Profit per employee reported

2,365
137
58
243,168
102.8
88.0
0.2

2,613
170
99
287,290
106.6
104.0
0.3

Deposits
Deposits
Credit/Deposits (%)
Bank Deposit to total resources
CASA
CASA (%)

150,063
62.0%
85.2%
19,306
12.9%

176,448
62.8%
84.3%
26,327
14.9%

24,934
2,650
354
65,168

35,221
2,532
190
72,900

Loans & Advances

Deposits
interest earning assets
interest bearing liabilities
Investments
Networth
Total assets

Advances - Break-up
Priority Sector
Public Sector
Banks
Others
Investments
Investment/Deposit ratio
Investments/Total assets

36.1%
30.7%

33.4%
28.2%

G-secs
as a % of total investments
Non-SLR Investments
as a % of total investments

45,831
84.7%
8,242
15.2%

48,493
82.3%
10,371
17.6%

Investments-Break up
Investments in India
Government Securities
Other Approved Securities
Shares
Debentures and Bonds
Subsidiaries/Joint Ventures
Others (Mutual funds and RIDF Deposits)

45,831
26
132
1,457
5
6,648

48,493
52
214
503
5
9,649

Investments outside India

Segment Reporting
Segment Revenue
Treasury operations
Corporate/wholesale banking
Retail banking
Other banking operations
Segment Results
Treasury operations
Corporate/wholesale banking
Retail banking
Other banking operations
Investment Maturity
Held to Maturity (HTM)
Available for Sale (AFS)
Held for Trading (HFT)
Total
as a % of total
Held to Maturity
Available for Sale
Held for Trading
Total
Valuations
Median Price
P/E
BV

16,130
3,199
12,931
2,328
(292)
2,620

20,656
4,532
16,124
2,207
(142)
2,348

43,153
10,946
54,099

46,236
12,186
495
58,917

79.77%
20.23%
0.00%
100.00%

78.48%
20.68%
0.84%
100.00%

58.10
45.81
29.83

45.20
19.53
33.01

P/BV
Adj BV/share
Adj BV/share-Reported
P/Adj BV
Dividend Yield (%)

1.95
23.12
23.12
2.51
0.0%

1.37
24.46
24.46
1.85
1.5%

FY08
19,202
14,253
4,430
219
299

FY09
23,095
17,933
4,832
158
172

FY10E
29,297
22,847
6,079
200
172

(15,799)
(14,012)
(558)
(1,229)

(18,504)
(16,871)
-

(22,820)
(20,770)
(600)
(1,450)

3,404

4,590

6,477

2,580
848
194
289
1,248

4,563
1,391
1,216
719
1,237

6,616

5,984

9,153

13,093

(4,022)
(1219)
(2,803)

(5,470)
(1,871)
(3,599)

(7,332)
(2,433)
(4,899)

1,962

3,683

5,761

(1,408)
(1,253)
(69)
31
(117)

(1,800)

2,275

3,961

(819)
(609)
(75)
(36)
(99)
1,143
(392)

(792)

(1,800)

(1,386)

750

1,483

2,575

320

355

355

2.35

4.18

7.25

(192)
(33)
17.0%
0.6
25.6%

(426)
(72)
17.0%
1.2
28.7%

(639)
(109)
17.0%
1.8
24.8%

FY08

FY09

FY10E

13,497
3,200
10,297
2,403
7,894
11,094
8,184

16,644
3,552
13,092
2,356
10,736
14,288
12,498

18,470
3,552
14,918
2,356
12,562
16,114
14,136

190,374
18,019
11,864
160,491

221,103
29,550
12,999
178,553

250,951

10,954
6,464
4,490

18,565
-

24,134

201,329

239,667

275,085

17,793

19,836

31,873

232,619

276,147

325,429

FY08
15,263

FY09
11,908

FY10E
15,057

6,518

7,329

7,329

66,297
66,297
-

80,834
-

92,852

127,953

157,706

188,459

216,030

257,777

303,697

6,251

6,232

7,167

10,337

12,138

14,565

232,619
-

276,147
-

325,429
-

309,819
17,612

443,000

119,398
183,411
205,871
191,851
62,607
12,033
220,945

142,830
205,738
236,904
220,498
73,566
15,071
254,383

2,869
180
336
318,327
110.5
106.3
0.3

4,251
180
356
378,809
97.9
-

190,374
67.2%
81.8%
29,883
15.7%

221,103
71.3%
80.1%
42,549
19.2%

50,055
1,386
49
76,463

34.8%
28.5%

173,083
236,027
280,737
257,376
86,843
17,557
300,788

250,951
75.1%
77.1%

36.6%
29.3%

37.0%
28.5%

54,357
82.0%
11,902
18.0%

54,940
68.0%
17,853
22.1%

54,357
38
391
402
5
11,105

54,940
8,042
362
143
781
16,567

28,003
4,911
10,407
12,441
244
2,473
(867)
602
2,717
22

33,325
6,894
11,224
14,982
225
4,124
725
910
2,453
37

57,863
6,650
1,784
66,297

71,565
9,269
80,834

87.28%
10.03%
2.69%
100.00%

88.53%
11.47%
0.00%
100.00%

71.70
30.55
34.69

52.65
12.61
40.23

59.00
8.14
45.37

2.07
25.59
25.59
2.80
0.8%

1.31
35.19
35.20
1.50
2.3%

1.30
39.80
1.48
3.1%