ICICI BANK

Current and savings account (CASA) ratio increased to 41.7% at March 31, 2010 from 28.7% at March 31, 2009

Net non-performing asset ratio decreased to 1.87% at March 31, 2010 from 1.96% at March 31, 2009 and 2.19% at
December 31, 2009

Strong capital adequacy ratio of 19.4% and Tier-1 capital adequacy of 14.0%

Marginal lending rate of ICICI Bank

10.00%

Capital adequacy
The Banks capital adequacy at March 31, 2010 as per Reserve Bank of Indias revised guidelines on Basel II norms was 19.4% and
Tier-1 capital adequacy was 14.0%, well above RBIs requirement of total capital adequacy of 9.0% and Tier-1 capital adequacy of
6.0%. The capital adequacy ratio takes into account the impact of dividend recommended by the Board.

Summary Balance Sheet

Assets
Cash & bank balances
Advances
Investments
Fixed & other assets
Total
Liabilities
Net worth
- Equity capital
- Reserves
Deposits
CASA ratio
Borrowings1
Other liabilities
Total

Rs. crore
March 31, 2009
0
29,967
218,311
103,058
27,965
379,301
0
49,533
1,113
48,420
218,348
28.7%
93,155
18,265
379,301

March 31, 2010

0
38,874
181,206
120,893
22,427
363,400
0
51,618
1,115
50,503
202,017
41.7%
94,264
15,501
363,400

SBI:
CASA RATIO:
JUNE 09

MARCH 10

38.48%

JUNE 10

46.67%

47.51%

NONPERFORMING ASSETS IN SBI:

NPA =2.98% in 2009

Marginal lending ratio:

State Bank of India

10.00%

Capital Adequacy Ratio

March 11
11.98

march 10

march 9

13.39

14.25

march 8

march 7

13.47

12.34

------------------- in Rs. Cr. -------------------

Balance Sheet of State

Bank of India
Mar '11

Mar '10

Mar '09

Mar '08

Mar '07

12 mths

12 mths

12 mths

12 mths

12 mths

Total Share Capital

635.00

634.88

634.88

631.47

526.30

Equity Share Capital

635.00

634.88

634.88

631.47

526.30

Share Application Money

0.00

0.00

0.00

0.00

0.00

Preference Share Capital

0.00

0.00

0.00

0.00

0.00

Capital and Liabilities:

Reserves

64,351.04

65,314.32

57,312.82

48,401.19

30,772.26

0.00

0.00

0.00

0.00

0.00

Net Worth

64,986.04

65,949.20

57,947.70

49,032.66

31,298.56

Deposits

933,932.8
1

804,116.23 742,073.13 537,403.94 435,521.09

Borrowings

119,568.9
6

103,011.60

Total Debt

1,053,501
.77

907,127.83 795,786.81 589,131.35 475,224.43

Other Liabilities & Provisions

105,248.3
9

Total Liabilities

1,223,736
.20

Revaluation Reserves

53,713.68

80,336.70 110,697.57

51,727.41

83,362.30

39,703.34

60,042.26

1,053,413.73 964,432.08 721,526.31 566,565.25

Mar '11

Mar '10

Mar '09

Mar '08

Mar '07

12 mths

12 mths

12 mths

12 mths

12 mths

Cash & Balances with RBI

94,395.50

61,290.87

55,546.17

51,534.62

29,076.43

Balance with Banks, Money at

Call

28,478.65

34,892.98

48,857.63

15,931.72

22,892.27

Advances

756,719.4
5

631,914.15 542,503.20 416,768.20 337,336.49

Investments

295,600.5
7

285,790.07 275,953.96 189,501.27 149,148.88

Gross Block

13,189.28

11,831.63

10,403.06

8,988.35

8,061.92

Accumulated Depreciation

8,757.33

7,713.90

6,828.65

5,849.13

5,385.01

Net Block

4,431.95

4,117.73

3,574.41

3,139.22

2,676.91

332.23

295.18

263.44

234.26

141.95

Other Assets

43,777.85

35,112.76

37,733.27

44,417.03

25,292.31

Total Assets

1,223,736
.20

1,053,413.74 964,432.08 721,526.32 566,565.24

Contingent Liabilities

585,294.5
0

429,917.37 614,603.47 736,087.59 259,536.57

Bills for collection

205,092.2
9

166,449.04 152,964.06

Assets

Capital Work In Progress

Book Value (Rs)

1,023.40

1,038.76

912.73

HDFC Bank has the highest share of Casa to total deposits at 52%,

93,652.89

70,418.15

776.48

594.69