Professional Documents
Culture Documents
1 Income Statement
2 Balance Sheet
3 Additional informations
4 Averages
5
6
7
8
9
10
11
12
13
Ratios: Fundamentals
Operational & financial ratios
Growth ratios
Profitability ratios
Performance ratios
Deposit profile ratios
Asset quality ratios
Capitalisation ratios
Efficiency ratios
Productivity ratios
14 Valuation ratios
15 Details for ratios
16 General informations
Income Statement
Year ended 31 Mar (Rs m)
FY07
Interest income
112,361
Interest expense
-60,229
Net interest income
52,132
growth (%)
11.7
Non-interest income
17,304
Operating income
69,436
Operating expenses
-33,262
Pre-provisions profit
36,174
Core operating profit
32,445
growth (%)
19.9
Provisions & Contingencies
-14,483
Pre-tax profit (before non-recurring items)
21,691
Non-recurring items
0
Tax on non-recurring items
0
Pre-tax profit (after non-recurring items)21,691
Tax (current + deferred)
-6,291
Net profit
15,401
Adjusted net profit
15,401
growth (%)
7.0
Prior period adjustments
0
Minority interests
0
Net income
15,401
FY08
142,650
-87,309
55,342
6.2
19,976
75,317
-35,255
40,062
35,643
9.9
-7,103
32,959
0
0
32,959
-12,472
20,488
20,488
33.0
0
0
20,488
FY09
191,272
-122,953
68,319
23.4
30,647
98,966
-42,062
56,904
50,257
41.0
-9,235
47,669
0
0
47,669
-16,760
30,909
30,909
50.9
0
0
30,909
Balance Sheet
Year ended 31 Mar (Rs m)
Cash and balance with RBI/Banks
Investments
Advances
Fixed assets (Net block)
Other assets
Total assets
FY07
FY08
156,455
188,307
451,898
539,917
965,965 1,195,016
10,098
23,155
39,808
43,808
1,624,225 1,990,204
FY09
214,131
633,852
1,547,030
23,971
50,202
2,469,186
FY10E
FY11E
FY12E
214,669
269,512
335,486
-129,440 -165,850 -210,848
85,229
103,662
124,639
24.8
21.6
20.2
35,653
36,745
43,004
120,882
140,407
167,643
-47,619
-55,897
-67,210
73,263
84,511
100,432
65,229
80,092
95,793
29.8
22.8
19.6
-14,215
-16,543
-17,032
59,048
67,968
83,400
0
0
0
0
0
0
59,048
67,968
83,400
-19,994
-23,109
-28,773
39,054
44,859
54,627
39,054
44,859
54,627
26.4
14.9
21.8
0
0
0
0
0
0
39,054
44,859
54,627
38325
11215
2%
300.0%
FY10E
FY11E
FY12E
234,736
328,184
398,979
777,245
943,839 1,132,256
1,866,012 2,270,014 2,767,779
25,135
25,560
26,645
63,201
68,566
73,482
2,966,328 3,636,163 4,399,141
Deposits
Borrowings
Other liabilities and provisions
Total liabilities
1,398,597 1,664,572
19,489
54,466
101,785
147,982
1,519,870 1,867,020
2,097,605
43,744
181,301
2,322,650
Share capital
Reserves & surplus
Less: Misc. expenditure
Shareholders' funds
Minorities interests
Total equity & liabilities
3,153
3,153
101,202
120,030
0
0
104,355
123,183
0
0
1,624,225 1,990,204
3,153
143,383
0
146,536
0
2,469,186
3,153
3,153
3,153
174,076
213,401
262,495
0
0
0
177,229
216,554
265,648
0
0
0
2,966,328 3,636,163 4,399,141
Key ratios
Year ended 31 Mar (Rs m)
FY08
Operational & financial ratios
Adjusted EPS (Rs)
65.0
DPS (Rs)
13.0
Adjusted Book NAV/share (Rs)
326.2
Profitability ratios
Yield on investment (%)
7.3
Yield on advances (%)
9.7
Yield on earning assets (%)
8.2
Cost of deposits (%)
5.4
Cost of funds (%)
5.4
Performance ratios
ROA (%)
1.1
ROE (%)
18.7
Asset quality ratios
Gross NPLs (%)
2.7
Net NPLs (%)
0.6
Net NPLs/Net worth (%)
6.6
Loan provisions/Net int. income (%)
9.3
Loan provisions/Avg loans (%)
0.5
Provisions cover (%)
77.3
Provisions cover [incl General Provisions] (%) 94.6
Capitalisation ratios
Tier I cap.adequacy (%)
9.0
Total cap.adequacy (%)
13.5
Equity/Total assets (%)
0.2
Loans/Assets (%)
60.0
Investments/Assets (%)
27.1
Loans/Deposits (%)
71.8
Investments/Deposits (%)
32.4
Efficiency ratios
Cost/Income (%)
46.8
Cost/Core income (%)
49.7
Cost/Assets (%)
2.0
Productivity ratios
Staff cost per employee (Rs m)
0.4
Assets per employee (Rs m)
35.1
Optg revenue per employee (Rs m)
1.3
Optg expense per employee (Rs m)
0.6
Adjusted net profit per employee (Rs m)
0.4
Valuation ratios
PER (x)
15.8
Price/Adjusted book (x)
3.2
Yield (%)
1.3
FY09
FY10E
98.0
20.0
410.6
123.9
22.0
494.2
7.3
10.7
8.9
6.1
6.1
6.5
9.8
8.2
5.2
5.3
1.4
24.6
1.4
25.4
1.6
0.2
2.1
13.0
0.6
88.4
113.8
1.7
0.5
5.8
12.4
0.6
67.8
89.9
9.0
14.0
0.1
62.7
25.7
73.8
30.2
9.0
14.0
0.1
62.9
26.2
74.8
31.2
42.5
45.6
1.9
39.4
42.2
1.8
0.5
43.2
1.7
0.7
0.5
0.5
51.0
2.1
0.8
0.7
10.5
2.5
1.9
8.3
2.1
2.1
+
+
+
+
FY00
FY01
FY02
FY03
FY04
FY05
FY06
FY07
51,545
25,142
24,171
1,715
517
-35,382
-33,668
-291
-1,423
16,164
7,277
3,817
2,149
7
762
203
58,635
28,235
27,418
1,523
1,459
-38,250
-36,095
-392
-1,764
20,384
7,784
4,193
2,163
4
942
30
66,479
33,179
30,028
2,276
996
-43,526
-41,216
-479
-1,831
22,953
9,777
4,340
3,797
4
922
280
74,850
37,116
32,983
1,794
2,957
-43,613
-41,626
-75
-1,912
31,237
12,503
4,800
6,022
4
951
237
77,797
38,760
36,810
1,131
1,096
-41,550
-39,264
-133
-2,152
36,247
18,669
5,519
11,186
2
1,060
303
84,599
42,461
39,740
1,642
754
-44,531
-41,633
-416
-2,483
40,067
16,757
6,913
3,528
6
1,418
186
95,842
53,415
40,303
1,764
360
-49,174
-46,118
-644
-2,412
46,668
12,735
7,526
2,109
27
1,221
113
112,361
76,439
32,882
2,564
475
-60,229
-56,175
-624
-3,430
52,132
17,304
9,700
3,729
8
1,767
234
340
23,440
-15,239
-11,837
-720
-223
-43
-430
-1
-72
-58
-237
-137
-305
-1,175
8,202
6,053
-2,880
78
-469
-2,490
453
28,169
-18,716
-14,591
-824
-244
-47
-746
-2
-89
-60
-257
-170
-331
-1,356
9,452
7,289
-3,707
-201
-102
-3,405
434
32,730
-17,992
-13,163
-943
-286
-84
-853
-3
-133
-76
-285
-190
-389
-1,587
14,738
10,941
-7,124
352
-1,013
-6,463
489
43,740
-20,567
-14,761
-1,056
-525
-78
-1,290
-3
-156
-86
-313
-199
-461
-1,640
23,173
17,151
-11,337
-1,328
-1,540
-8,470
598
54,916
-23,707
-16,541
-1,200
-351
-108
-1,814
-3
-179
-133
-451
-244
-547
-2,137
31,209
20,023
-13,514
309
-1,417
-12,405
4,707
56,824
-32,780
-24,240
-1,340
-367
-192
-1,833
-7
-215
-116
-475
-293
-841
-2,863
24,045
20,517
-4,989
484
1,739
59,403
-30,232
-21,150
-1,543
-387
-202
-1,866
-7
-207
-92
-557
-391
-1,167
-2,663
29,171
27,062
-8,823
-8,900
1,867
69,436
-33,262
-23,524
-1,734
-395
-180
-1,948
-8
-224
-107
-515
-409
-1,278
-2,940
36,174
32,445
-14,483
-6,749
-2,821
-888
-7,518
5,321
5,745
7,614
11,836
17,695
-2,652
19,056
966
20,348
-217
21,691
5,321
-1,240
-1,240
5,745
-1,108
-1,108
7,614
-1,990
-1,990
11,836
-3,414
-3,414
17,695
-6,608
-6,608
19,056
-4,955
-4,955
20,348
-5,955
-5,955
21,691
-6,291
-6,291
4,081
4,081
4,636
4,636
5,624
5,624
8,422
8,422
11,087
11,087
14,101
14,101
14,393
14,393
15,401
15,401
4,081
-500
-68
4,636
-531
-54
5,624
-637
8,422
-929
-119
11,087
-1,061
-136
14,101
-1,742
-235
14,393
-1,892
-265
15,401
-3,153
-498
FY08
FY09
FY10E
FY11E
FY12E
142,650
104,391
36,113
1,503
643
-87,309
-82,651
-591
-4,066
55,342
19,976
11,062
4,419
11
2,114
53
191,272
145,838
42,650
2,023
761
-122,953
-115,643
-1,195
-6,115
68,319
30,647
13,766
6,647
18
2,943
293
214,669
167,013
45,767
1,492
397
-129,440
-119,656
-541
-9,243
85,229
35,653
16,822
8,033
24
3,136
246
269,512
210,149
56,635
2,252
476
-165,850
-153,882
-1,447
-10,521
103,662
36,745
20,522
4,418
24
3,021
259
335,486
262,141
69,841
2,909
595
-210,848
-196,849
-1,768
-12,231
124,639
43,004
24,627
4,639
24
4,092
272
2,316
75,317
-35,255
-24,615
-1,939
-444
-233
-1,702
-9
-362
-131
-556
-554
-1,408
-3,301
40,062
35,643
-7,103
-1,042
6,980
98,966
-42,062
-29,244
-2,263
-454
-312
-1,911
-14
-310
-153
-766
-669
-1,697
-4,270
56,904
50,257
-9,235
2,163
7,392
120,882
-47,619
-31,211
-2,604
-476
-401
-2,228
-14
-393
-166
-1,011
-772
-2,209
-6,135
73,263
65,229
-14,215
-684
8,500
140,407
-55,897
-35,891
-3,073
-499
-453
-2,794
-15
-471
-186
-1,213
-872
-2,761
-7,668
84,511
80,092
-16,543
-1,500
9,350
167,643
-67,210
-43,038
-3,841
-524
-508
-2,427
-16
-565
-214
-1,516
-1,003
-3,590
-9,969
100,432
95,793
-17,032
-1,000
-5,156
-8,858
-10,536
-15,043
-16,032
-906
32,959
-2,541
47,669
-2,995
59,048
67,968
83,400
32,959
-12,472
-12,472
47,669
-16,760
-16,760
59,048
-19,994
-19,994
67,968
-23,109
-23,109
83,400
-28,773
-28,773
20,488
20,488
30,909
30,909
39,054
39,054
44,859
44,859
54,627
54,627
20,488
-4,099
-697
30,909
-6,306
-1,072
39,054
-6,937
-1,164
44,859
-4,730
-804
54,627
-4,730
-804
FY13E
FY14E
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
Deposits
351,736
Demand deposits
37,718
from banks
997
+
from others
36,721
+
115,648
+ Savings deposits
Term deposits
198,369
from banks
7,010
+
from others
191,359
+
Borrowings
2,648
+ from RBI
66
+ from other banks
+ from other institutions & agencies 2,458
124
+ from outside india
Other liabilities and provisions
27,133
5,947
+ Bills payable
7,543
+ Inter office adjustments
4,590
+ Interest accrued
3,899
+ Subordinate debt bonds
+ Deferred tax liabilities
2,762
+ Tax payable
424
+ Dividends payable
+ Tax on dividend payable
407,771
48,461
1,180
47,282
136,791
222,519
8,480
214,040
1,975
55
1,727
193
34,191
6,319
4,626
6,958
7,898
1,589
424
FY00
FY01
FY02
FY03
FY04
FY05
FY06
FY07
54,774
7,526
220,991
160,893
26,244
3,253
26,507
53,656
7,036
251,284
184,373
25,007
2,572
34,644
51,014
12,969
282,072
193,043
24,594
3,439
53,829
65,685
15,087
340,300
253,377
24,089
2,701
54,584
67,423
20,782
421,255
330,688
23,432
2,667
57,663
94,602
16,288
506,728
411,903
22,154
4,290
60,426
233,946
13,971
410,553
334,193
12,217
4,818
49,801
123,720
32,735
451,898
366,310
9,897
7,549
43,056
1,464
2,542
88
2,471
2,131
87
4,946
2,120
101
3,257
2,198
94
4,652
2,059
94
4,711
3,150
94
4,149
5,345
31
19,705
5,351
31
225,717
225,717
19,030
126,861
79,827
225,717
216,339
3,354
6,023
225,717
225,717
83,232
30,653
103
111,729
280,291
280,291
24,272
157,303
98,715
280,291
265,034
3,870
11,387
280,291
280,291
108,567
44,083
282
127,358
343,694
343,694
24,601
184,782
134,311
343,694
326,007
4,934
12,753
343,694
343,694
134,413
62,245
380
146,656
402,281
402,281
28,787
209,011
164,483
402,281
367,139
6,623
28,519
402,281
402,281
160,336
68,602
2,374
170,969
472,247
472,247
28,033
218,124
226,090
472,247
421,229
3,643
47,375
472,247
472,247
207,345
65,187
2,054
197,661
604,128
604,128
34,539
281,960
287,629
604,128
507,361
5,680
91,086
604,126
604,126
282,685
67,601
261
253,579
746,274
746,274
37,405
327,930
380,939
746,274
627,954
7,067
111,252
746,272
746,272
340,934
56,226
242
348,870
965,965
965,965
46,314
431,610
488,041
965,965
811,377
13,325
141,263
965,962
965,962
365,276
124,943
2,602
473,141
6,805
10,073
5,846
7,239
11,283
5,933
7,585
12,481
6,113
8,847
14,823
6,542
8,998
16,459
6,735
9,652
18,756
7,079
10,302
21,069
7,403
10,098
22,477
7,444
4,227
5,350
6,367
-3,268
-4,043
-4,896
7,568
713
-5,976
9,366
359
-7,461
11,302
375
-9,104
13,216
451
-10,767
14,638
395
-12,379
25,473
35,545
31,813
30,017
32,612
31,014
37,628
39,808
8,138
8,334
9,001
541,286
8,632
8,817
18,096
635,051
10,202
4,390
17,221
729,147
10,679
11,565
13,100
12,411
12,291
2,273
5,106
3,233
6,908
7,016
17,065
15,941
14,681
18,310
20,501
862,218 1,023,317 1,262,413 1,452,674 1,624,225
474,832
54,370
1,518
52,852
158,754
261,708
9,778
251,930
6,624
5,134
108
1,320
63
37,103
7,058
3,333
3,189
8,498
561,311
63,114
1,477
61,637
185,301
312,897
12,424
300,473
6,732
3,000
437
3,224
71
40,316
7,445
1,167
3,742
8,898
641,235
67,584
1,112
66,472
216,642
357,009
13,162
343,847
4,086
2,690
320
1,032
44
51,664
8,665
664
4,526
11,799
758,135
98,883
1,660
97,223
256,479
402,773
4,848
397,925
6,622
1,240
500
68
1,108
531
54
1,990
637
1,842
3,767
1,013
57,132
9,482
342
4,933
15,929
26,446
3,414
929
119
+
+
+
+
+
+
+
FY99
6,378
443,937
FY00
13,217
518,560
FY01
17,369
608,359
FY02
23,384
696,985
FY03
-4,461
821,888
19,298
2,122
17,175
3,448
130
22,726
2,122
20,603
4,468
130
26,692
2,122
24,570
5,627
137
32,162
2,122
30,040
7,033
556
3,638
8,650
1,310
3,552
11,107
1,345
3,467
3,381
40,330
2,653
37,677
9,139
557
1,114
3,296
50,118
2,653
47,465
11,910
580
1,114
3,210
81,613
3,153
78,460
15,436
1,555
20,114
3,125
1,345
13,994
3,101
15,968
5,001
18,570
9,650
21,000
40,330
50,118
19,298
22,726
26,692
32,162
463,235
541,286
635,051
729,147
FY04
FY05
FY06
FY07
27,451
70,489
43,448
29,939
973,199 1,180,800 1,358,910 1,519,870
93,764
3,153
90,611
19,034
1,858
20,114
3,024
44,745
104,355
3,153
101,202
22,884
2,359
20,114
2,938
52,751
19,023
19,206
1,835
155
81,613
93,764
104,355
FY08
FY09
FY10E
FY11E
FY12E
152,582
35,726
539,917
442,167
8,011
8,692
40,067
170,583
43,549
633,852
545,308
6,674
12,057
44,704
183,276
51,460
777,245
659,704
4,922
17,429
30,327
192,440
135,744
943,839
763,278
57,181
19,520
32,753
202,062
196,918
1,132,256
883,113
114,336
21,472
35,373
33,431
5,351
2,198
13,567
5,395
6,147
4,856
60,006
5,099
66,007
5,354
72,608
1,195,016
1,195,016
43,678
559,371
591,966
1,195,016
977,067
16,944
201,005
1,194,683
1,194,683
462,169
128,614
6,249
597,650
1,547,030
1,547,030
44,000
689,179
813,852
1,547,030
1,271,285
60,942
214,803
1,508,780
1,508,780
492,123
114,218
2,456
899,983
1,866,012
1,866,012
44,588
822,071
999,354
1,866,012
1,643,527
24,269
198,216
1,796,281
1,796,281
666,155
116,293
10,890
1,002,943
2,270,014
2,270,014
51,276
1,069,482
1,149,257
2,767,779
2,767,779
58,967
1,387,166
1,321,645
23,155
36,996
20,553
23,971
39,304
20,931
25,135
41,902
21,001
25,560
45,121
22,051
26,645
48,634
23,153
16,084
360
-13,841
17,909
464
-15,332
20,370
531
-16,767
22,407
663
-19,562
24,648
832
-21,989
43,808
50,202
63,201
68,566
73,482
14,174
12,632
17,002
1,990,204
15,142
11,445
23,615
2,469,186
16,895
15,117
31,188
2,966,328
17,933
16,327
34,307
3,636,163
18,116
17,633
37,733
4,399,141
1,664,572
177,912
15,429
162,483
537,697
948,964
17,585
931,379
54,466
21,500
345
1,599
31,022
147,982
21,131
3,860
3,248
61,648
2,097,605
188,139
14,386
173,753
626,460
1,283,006
42,582
1,240,424
43,744
354
3,343
40,046
181,301
26,447
1,616
3,244
80,853
2,493,298
237,172
17,633
219,539
781,328
1,474,798
25,839
1,448,959
85,721
29,486
303
3,554
52,377
210,080
23,043
2,255
3,438
106,903
3,047,783
272,748
19,397
253,351
961,034
1,814,002
28,423
1,785,578
107,151
29,486
319
3,839
73,507
264,675
29,740
2,368
4,102
126,903
3,719,311
305,477
21,336
284,141
1,191,682
2,222,152
31,266
2,190,886
128,581
29,486
334
4,107
94,653
285,601
32,432
2,486
4,655
141,903
12,472
4,099
697
16,760
6,306
1,072
19,994
6,937
1,164
23,109
4,730
804
28,773
4,730
804
FY13E
FY14E
FY08
40,828
1,867,020
FY09
45,002
2,322,650
FY10E
46,346
2,789,099
FY11E
72,919
3,419,609
FY12E
69,819
4,133,493
123,183
3,153
120,030
28,006
3,198
20,114
15,357
53,355
146,536
3,153
143,383
35,733
5,954
20,114
15,137
65,296
1,071
76
177,229
3,153
174,076
45,497
10,196
20,114
14,920
78,193
1,071
4,086
216,554
3,153
213,401
56,711
27,220
20,114
14,920
77,122
265,648
3,153
262,495
70,368
44,244
20,114
14,920
77,122
17,314
35,726
123,183
146,536
177,229
216,554
265,648
1,990,204
2,469,186
2,966,328
3,636,163
4,399,141
FY13E
FY14E
FY99
FY00
FY01
FY02
FY03
FY04
FY05
FY06
FY07
17.5
17.5
17.5
2.0
73.8
21.5
29.9
11.4
19.2
19.2
19.2
2.4
92.8
37.2
23.3
13.9
21.8
21.8
21.8
2.5
112.5
58.3
19.3
12.6
26.5
26.5
26.5
3.0
139.4
85.5
26.1
11.3
35.3
35.3
35.3
3.9
159.1
118.1
28.8
12.4
41.8
41.8
41.8
4.0
182.1
171.3
37.3
10.8
48.6
48.6
48.6
6.0
279.2
276.6
26.0
14.0
45.6
45.6
45.6
6.0
296.8
292.5
29.3
15.0
48.8
48.8
48.8
10.0
335.4
320.3
29.0
23.7
2.5
-29.5
-22.0
3.4
-0.1
0.2
9.7
9.7
15.2
8.0
13.6
13.6
55.9
32.5
21.3
21.3
57.2
55.4
49.8
33.1
34.7
49.5
31.6
18.5
-23.0
7.7
27.2
16.2
21.3
6.8
2.1
-6.0
24.0
6.6
7.0
7.0
11.5
13.7
11.5
7.0
7.2
4.3
1.5
37.4
14.9
4.2
11.9
13.2
11.4
7.6
7.8
3.6
1.3
35.0
16.3
3.6
11.6
12.1
11.0
7.0
7.2
3.8
1.3
33.6
14.9
3.9
11.3
11.3
10.7
6.9
7.1
3.7
1.2
45.0
13.3
3.6
10.6
10.4
10.1
5.9
6.1
4.2
1.3
53.0
11.0
4.1
9.7
9.1
8.7
4.8
4.9
4.1
1.3
56.8
10.0
3.8
8.6
7.9
7.7
4.4
4.5
3.6
0.9
42.3
12.2
3.2
8.8
7.9
7.3
4.1
4.2
3.6
0.7
49.1
12.7
3.1
7.6
9.0
7.6
4.3
4.4
3.5
0.7
52.1
14.0
3.2
0.9
26.2
1.5
8.7
0.8
23.1
1.3
5.6
0.8
21.3
1.4
5.8
0.8
21.0
1.6
7.5
1.1
24.9
2.0
12.4
1.2
25.7
2.1
13.7
1.2
21.8
2.0
10.8
1.1
16.5
1.5
5.5
1.0
15.5
1.2
2.5
11.9
33.5
54.6
11.5
33.4
55.1
11.2
33.0
55.7
10.5
33.8
55.7
13.0
33.8
53.1
11.3
34.6
54.1
12.1
34.3
53.7
14.0
35.0
51.0
11.8
34.4
53.8
14.0
9.0
109.0
14.5
1.3
39.7
39.7
13.1
8.5
97.4
15.4
1.1
38.7
40.3
11.7
6.7
78.3
16.7
1.3
45.9
47.8
11.3
5.3
61.2
28.2
1.9
56.3
58.2
11.4
3.8
40.2
27.1
2.1
69.3
71.3
9.1
1.0
9.3
34.2
2.6
90.4
93.4
5.8
0.2
1.5
7.0
0.5
96.8
103.6
4.0
0.3
2.2
1.9
0.1
93.3
102.3
3.4
0.8
6.9
14.4
0.9
78.6
91.4
0.5
41.1
40.1
46.7
45.5
10.3
10.3
0.4
41.7
40.8
47.5
46.5
6.8
10.2
0.3
44.1
39.6
49.9
44.8
6.3
10.7
0.3
47.1
38.7
53.6
44.0
7.1
12.0
0.3
46.7
39.5
53.1
44.9
7.0
13.1
0.3
46.1
41.2
53.7
47.9
8.9
14.8
0.2
47.9
40.1
58.6
49.1
10.1
12.0
0.2
51.4
28.3
62.4
34.3
8.9
12.3
0.2
59.5
27.8
69.1
32.3
62.6
64.9
3.2
65.0
71.6
3.0
66.4
72.0
3.2
55.0
62.2
2.6
47.0
54.5
2.6
43.2
54.2
2.5
57.7
61.5
2.9
50.9
52.8
2.2
47.9
50.6
2.2
0.37
16.72
0.72
0.47
0.13
0.24
10.32
0.46
0.30
0.08
0.23
12.55
0.56
0.31
0.10
0.25
14.76
0.75
0.35
0.14
0.28
17.37
0.93
0.40
0.19
0.41
21.55
0.97
0.56
0.24
0.36
24.97
1.02
0.52
0.25
0.41
28.16
1.20
0.58
0.27
7.6
0.8
1.6
3.9
1.6
0.3
2.6
6.7
0.5
1.3
2.5
1.7
0.5
2.1
5.5
0.3
1.1
1.7
2.0
0.9
1.7
4.2
0.1
0.9
1.2
2.7
1.6
1.4
3.5
0.2
0.8
0.9
2.7
2.5
1.1
3.0
0.2
0.5
0.5
4.1
3.7
0.7
3.2
n/a
0.5
0.5
4.1
3.0
0.5
3.0
0.4
0.4
0.5
6.8
2.6
0.5
8.4
2.5
2.0
6.8
1.4
0.2
3.2
FY98
0.1
0.3
0.1
FY99
0.1
0.3
0.1
0.4
FY00
0.1
0.2
0.1
1.3
FY01
0.1
0.2
0.1
2.0
FY02
0.1
0.2
0.1
3.8
FY03
0.1
0.1
0.0
8.0
FY04
0.1
0.1
0.0
5.3
FY05
0.0
0.1
0.0
5.4
FY06
0.0
0.1
0.0
n/a
FY07
0.0
0.1
0.0
2.3
FY08
FY09
FY10E
FY11E
FY12E
65.0
65.0
65.0
13.0
360.2
344.4
37.8
23.4
98.0
98.0
98.0
20.0
437.0
430.9
35.2
23.9
123.9
123.9
123.9
22.0
537.3
516.7
33.9
20.7
142.3
142.3
142.3
15.0
666.9
639.4
34.0
12.3
173.3
173.3
173.3
15.0
827.7
792.8
34.5
10.1
10.7
51.9
33.0
33.0
42.0
44.6
50.9
50.9
28.7
23.9
26.4
26.4
15.4
15.1
14.9
14.9
18.8
22.7
21.8
21.8
7.3
9.7
8.2
5.4
5.4
3.2
0.7
53.2
14.7
2.8
7.3
10.7
8.9
6.1
6.1
3.2
0.8
57.5
13.9
2.7
6.5
9.8
8.2
5.2
5.3
3.2
0.8
60.6
13.9
2.9
6.6
10.2
8.4
5.6
5.6
3.2
0.7
60.2
14.6
2.9
6.7
10.5
8.6
5.8
5.8
3.2
0.7
59.9
14.7
2.8
1.1
18.7
1.4
5.7
1.4
24.6
1.9
11.6
1.4
25.4
2.0
12.4
1.4
23.6
1.8
10.6
1.4
23.2
1.8
10.2
10.7
32.3
57.0
9.0
29.9
61.2
2.7
0.6
6.6
9.3
0.5
77.3
94.6
1.6
0.2
2.1
13.0
0.6
88.4
113.8
1.7
0.5
5.8
12.4
0.6
67.8
89.9
2.0
0.6
6.2
14.5
0.7
72.0
90.4
2.1
0.6
6.4
12.9
0.6
72.0
89.2
9.0
13.5
0.2
60.0
27.1
71.8
32.4
9.0
14.0
0.1
62.7
25.7
73.8
30.2
9.0
14.0
0.1
62.9
26.2
74.8
31.2
8.5
13.9
0.1
62.4
26.0
74.5
31.0
8.8
13.7
0.1
62.9
25.7
74.4
30.4
46.8
49.7
2.0
42.5
45.6
1.9
39.4
42.2
1.8
39.8
41.1
1.7
40.1
41.2
1.7
0.43
35.12
1.33
0.62
0.36
0.51
43.23
1.73
0.74
0.54
0.54
50.96
2.08
0.82
0.67
0.61
62.20
2.40
0.96
0.77
0.73
74.68
2.85
1.14
0.93
2.3
0.1
0.4
0.4
8.9
3.4
0.4
1.5
0.0
0.3
0.3
13.6
5.6
0.4
1.2
0.0
0.3
0.3
15.0
6.9
0.3
1.0
0.1
0.2
0.2
10.2
7.9
0.2
0.8
0.0
0.2
0.2
10.2
9.6
0.2
9.5
31.3
59.2
8.9
31.5
59.5
FY13E
FY14E
-100.0
-100.0
-100.0
#VALUE!
-5.0
#VALUE!
#VALUE!
n/a
n/a
#VALUE!
0.4
#VALUE!
#DIV/0!
8.2
32.0
59.7
FY08
0.0
0.0
0.0
14.6
FY09
0.0
0.0
0.0
34.0
FY10E
0.0
0.0
0.0
22.3
FY11E
0.0
0.0
0.0
14.4
FY12E
0.0
0.0
0.0
25.7
FY13E
0.0
0.0
0.0
FY14E
#DIV/0!
#DIV/0!
#DIV/0!
FY95
FY96
Capital
Equity Authorised
Equity Issued
Equity Paid Up (Issued - Calls in Arrears)
Promoter Stake (GOI)
Rs mn
Rs mn
Rs mn
Rs mn
%
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
%
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
#DIV/0!
Networth
% Chg
FY97
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
3,506
0.00
0.00
3505.71
100.00
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
1,749
130
4,196
-
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Rs mn
#DIV/0!
9,581
External Funding
Of Which low Cost Funds
As % of Funding
Rs mn
Rs mn
%
#DIV/0!
#DIV/0!
#DIV/0!
315,412
127,050
40
Deposits
Demand Deposits
From Banks
From Non-Banks
Saving Deposits
Term & Other Deposits
From Banks
From Non-Banks
TOTAL DEPOSITS
Deposits from Banks
Deposits from Non-Banks
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
32,703
821
31,882
94,347
181,014
5,879
175,135
308,064
6,700
301,364
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
273
3,068
107
3,449
#DIV/0!
3,899
#DIV/0!
#DIV/0!
21,599
8,385
60.8
2,514
2,012
7.7
8,689
Borrowings
Borrowings in India - RBI
Borrowings in India -Other Banks
Borrowings in India -Other agencies
Borrowings outside India
TOTAL BORROWINGS
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Subordinate Debt
Rs mn
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
6,076
3,839
9,915
Rs mn
%
Rs mn
Rs mn
%
Rs mn
#DIV/0!
-
#DIV/0!
-
OK
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
485
8,204
#DIV/0!
350,432
OK
#DIV/0!
#DIV/0!
#DIV/0!
36,546
9,615
46,161
14.64
OK
ASSETS
Cash & Balances with RBI
Balances with Banks & money at Call & Short Notice
Total Cash
Effective CRR Balance
Of which Money in Deposit Accounts
Non-Deposit Cash Balances
Adjusted Effective CRR Balance
Rs mn
Rs mn
Rs mn
%
Rs mn
Rs mn
%
Investments
Quoted Government Securities
Other Approved Secutires
SLR Securities
Effective SLR Ratio
Shares
Debentures & Bonds
Investment in Subsidiaries
Units
Other Investments (OUTSIDE India)
TOTAL INVESTMENTS
Rs mn
Rs mn
Rs mn
%
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Advances
Breakup-1
Bills Purchased & Discounted
Cash Credit, Overdrafts & Loans Repayable on demand
Term Loans
Breakup-2
Secured by Tangible Assets
Covered by Bank/Govt Guarantees
Unsecured
Breakup-3
A Advances in India
Priority Sector Advances
Public Sector Advances
Banks
Others
B Advances Outside India
Advances outside India to Others
Syndicated Loans
Bills Purchased & Discounted (Foreign)
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Fixed Assets
Premises
Other Fixed Assets
Gross Block
Gross Block (per branch)
Accumulated Depreciation
Effective Depr Rate
Net Block
Capital Work-in-Progress
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
%
Rs mn
Rs mn
#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!
-
46,161
14.64
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
89,741
28,862
118,603
37.6
617
16,228
1,495
2,815
8
139,766
#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!
140,669
140,669
13,784
88,942
37,942
140,669
133,065
6,181
1,423
140,669
140,669
43,799
14,949
516
81,405
-
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
4,933
2,891
7,824
#DIV/0!
1,958
25.0
5,867
Intangible Assets
Goodwill
Computer Software (gross)
Amortisation to date
Computer Software (net)
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Other Assets
Inter Office adjustments(Net)
Interest Accrued on Investments
(as % of NET Investments)
(In Months)
Advance Tax Paid/TDS
Tax (as a % of Total Next year Tax)
Stationary & stamps
Others (excl VRS Exps C/f)
Deferred Tax Asset
VRS Exps C/f
TOTAL OTHER ASSETS
Rs mn
Rs mn
%
Months
Rs mn
%
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
TOTAL Assets
Check
Contingent Liabilities
Claims not acknowledged as debt
Bills Discounted
Uncalled liability on investments
On account of outstanding forward exch.contracts
As % of Gross Advances
Guarantees given in India
Guarantees given outside India
Acceptances, Endorsements etc
Others
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
P&L
#DIV/0!
5,867
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
5,654
4.05
2.22
6,710
242.9
202
5,403
-
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Rs mn
Check
#DIV/0!
#DIV/0!
17,969
#DIV/0!
350,432
OK
OK
-
#DIV/0!
OK
-
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
66,558
7,138
5
21,305
15.1
17,839
3,364
15,940
967
#DIV/0!
FY95
FY96
FY97
I. INCOME :
Interest Earned
Interest/Discount on Advance/Bills
Yield on Advances
Income on Investments
Yield on Investments
Interest on Balance with RBI & Others
Yield on Cash
Others
Rs mn
Rs mn
%
Rs mn
%
Rs mn
%
Rs mn
Interest expended
Interest on Deposits
Cost of Total Deposits
Cost of Term Deposits
Interest on RBI/Inter-Bank Borrowings
Rs mn
Rs mn
%
%
Rs mn
#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!
36,540
19,541
27.78
15,254
21.83
1,688
7.32
56
24,387
23,426
15.21
21.71
58
Cost of Borrowings
Other Interest
Cost of Subordinate Debt
%
Rs mn
%
#DIV/0!
NII
NIM
Rs mn
%
Other Income
Commission , Exchange & Brokerage
Profit on sale of Investment(Net)
Profit on sale of Fixed Assets
Profit on Exchange Transactions(Net)
( as % of Avg O/s Forex Contracts Business)
Income from Subsidiaries
Provision Written Back
Miscellaneous Income
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
%
Rs mn
Rs mn
Rs mn
Rs mn
%
#DIV/0!
Total Income
Total Net Income
Rs mn
Rs mn
Operating Expenses
Reported Payments to / Provisions for employees
Less VRS Expenses
Actual Payments to / Provisions for employees
Salary per employee
Rent, Taxes & Lighting
Printing and Stationery
Advertisement & Publicity
Depreciation on Bank s property
Director s fees,allowances & expenses
Auditor s fees & expenses (incl. branch audits)
Law charges
Postage,telegrams,telephone etc.
Repairs and Maintenance
Insurance
Other Expenditure
Rs mn
Rs mn
Rs mn
Rs mn
Rs 000
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Operating Profits
Provisions & Contingencies & Write offs
Provision of Dimunition in value of invest
Provision for Contingencies
Provision for NPAs
of which Provn on Std Asets
As % of performing Advances
of which Provn on Restructured Assets
Bad debts & Other Exp.Ammortised
Other Provisions & Write Offs
Loss on sale of assets
TOTAL PROVISIONS & CONTINGENCIES
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
%
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
#DIV/0!
#DIV/0!
#DIV/0!
-
#DIV/0!
12,153
7.44
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
4,688
2,484
343
7
731
3.43
61
1,063
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
349
7
#DIV/0!
#DIV/0!
41,228
16,841
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
10,644
8,110
8,110
#DIV/0!
473
184
16
288
2
31
48
158
88
420
827
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
-
6,197
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
3.39
903
23.16
0
1,941
-
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
2,591
#DIV/0!
3,606
#DIV/0!
1,229
34.07
34.07
#DIV/0!
#DIV/0!
649
Rs mn
#DIV/0!
2,377
Adjustements
VRS Exps
IPO Exps
Adhoc Provisions
Def Tax
Provisions towards IFR
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
#DIV/0!
#DIV/0!
Reported PAT
Check Reported PAT
Check
Rs mn
Rs mn
OK
OK
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
2,377
2,377
OK
#DIV/0!
#DIV/0!
2,377
485
20.41
20.41
1,407
485
485
APPROPRIATIONS
Transfer to Statutory Reserves
( As % of Reported PAT)
( As % of Adjusted PAT)
Appropriation to Capital Redemption Reserve
Appropriation to Other Reserves
Appropriation to IFR
Proposed Dividend / Transfer to Government
Equity Dividend
Preference Dividend
Corporate Dividend Tax
Divd Rate
Divd P/O (reported)
Divd P/O (Actual))
Prior Year Adjustments
Depreciation provided /( Written back)
Prior Year Expenses/(Income)
VRS compensation
Short/(Excess) provision for tax
Other adjustments
Balance D/f to B/S
Rs mn
Rs mn
#DIV/0!
#DIV/0!
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs / Shr
%
%
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
#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!
-
1.38
20.41
20.41
-
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
14
#DIV/0!
Reported BV
Actual BV
Variance
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
27
#DIV/0!
Dividend rate
Dividend payout (In Rs mn)
Dividend tax %
13.8
485.2
14.0
Dividend tax Rs
Total Payout
Payout Ratio
Internal accruals
Reserves & Surplus
CHECK reserves & surplus
Shares Data
Unadj. shares (m)
Wtd avg shares (m)
Fully diluted shares (m)
Foreign ownership: Limit (%)
Foreign ownership: Actual (%)
68.0
553.2
23.3
1,823.9
6,076
1,824
350.57
175.29
175.29
% Chg
FY98
% Chg
FY99
% Chg
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
2,122
0.00
0.00
2122.41
100.00
(39.5)
#DIV/0!
#DIV/0!
(39.5)
2,122
0.00
0.00
2122.41
100.00
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
2,704
1,863
6,097
-
54.6
1,327.8
#DIV/0!
45.3
#DIV/0!
3,448
130
8,650
1,310
0.71
% Chg
FY01
#DIV/0!
#DIV/0!
-
2,122
0.00
0.00
2122.41
100.00
#DIV/0!
#DIV/0!
-
27.5
(93.0)
#DIV/0!
41.9
#DIV/0!
4,468
130
11,107
1,345
0.61
29.6
#DIV/0!
28.4
2.7
5,627
137
1,345
0.54
#DIV/0!
#DIV/0!
-
25.9
4.7
#DIV/0!
(100.0)
-
10,664
3,755
14,419
76
(2.2)
45.4
13,537
3,638
17,175
27
(3.1)
19.1
17,051
3,552
20,603
26
(2.3)
20.0
#DIV/0!
12,786
33.4
15,660
22.5
19,174
22.4
23,225
21.1
#DIV/0!
#DIV/0!
358,283
153,366
43
13.6
20.7
417,644
185,252
44.36
16.6
20.8
489,954
213,124
43.50
17.3
15.0
576,942
248,415
43.06
17.8
16.6
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
37,718
997
36,721
115,648
198,369
7,010
191,359
351,736
8,007
343,728
15.3
21.4
15.2
22.6
9.6
19.2
9.3
14.2
19.5
14.1
48,461
1,180
47,282
136,791
222,519
8,480
214,040
407,771
9,659
398,112
28.5
18.3
28.8
18.3
12.2
21.0
11.9
15.9
20.6
15.8
54,370
1,518.1
52,851.9
158,754.1
261,708
9,778.4
251,929.9
474,832.3
11,296
463,536
12.2
28.7
11.8
16.1
17.6
15.3
17.7
16.4
16.9
16.4
63,114
1,477
61,637
185,301
312,897
12,424
300,473
561,311
13,901
547,410
16.1
(2.7)
16.6
16.7
19.6
27.1
19.3
18.2
23.1
18.1
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
66
2,458
124
2,648
3,000
437
3,224
71
6,732
(41.6)
305.4
144.2
12.7
1.6
#DIV/0!
3,899
7,898
102.6
8,498
7.6
8,898
4.7
#DIV/0!
#DIV/0!
23,234
5,947
43.6
7,543
4,590
15.4
7.6
(29.1)
26,293
6,319
42.4
4,626
6,958
20.0
13.2
6.3
28,606
7,058
37.1
3,333
3,189
7.8
8.8
11.7
31,417
7,445
30.7
1,167
3,742
7.8
9.8
5.5
#DIV/0!
#DIV/0!
5,155
200.1
128.1
#DIV/0!
(40.7)
55
1,727
193
1,975
8,391
#DIV/0!
(16.6)
(29.7)
55.2
(25.4)
(38.7)
51.6
#DIV/0!
62.8
#DIV/0!
#DIV/0!
2,122
0.00
0.00
2122.41
100.00
13,994
21,103
3,467
24,570
#DIV/0!
(76.0)
(19.9)
15.8
(23.2)
#DIV/0!
#DIV/0!
% Chg
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
FY00
5,134
108
1,320
63
6,624
15,024
#DIV/0!
97.0
(23.6)
(67.4)
235.4
(27.9)
(54.2)
#DIV/0!
79.1
19,062
#DIV/0!
#DIV/0!
24
(2.4)
19.2
(65.0)
17.3
#DIV/0!
26.9
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
424
4,731
#DIV/0!
398,058
#DIV/0!
#DIV/0!
(12.5)
(42.3)
13.6
OK
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
49,000
5,980
54,979
15.35
54,979
15.35
#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!
160,426
160,426
13,638
98,452
48,337
160,426
149,917
9,188
1,321
160,427
160,427
52,754
17,451
121
90,102
-
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.0
68.4
463,235
16.4
OK
101,057
30,416
131,473
36.7
991
23,165
1,890
1,543
15
159,077
#DIV/0!
#DIV/0!
#DIV/0!
424
7,966
5,031
3,271
8,302
#DIV/0!
2,349
28.3
5,953
34.1
(37.8)
19.1
#DIV/0!
19.1
12.6
5.4
10.9
60.7
42.8
26.4
(45.2)
100.0
13.8
14.0
14.0
(1.1)
10.7
27.4
14.0
12.7
48.7
(7.2)
14.0
14.0
20.4
16.7
(76.5)
10.7
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
2.0
13.1
6.1
20.0
1.5
#DIV/0!
515
0.23
568
13,942
#DIV/0!
#DIV/0!
33.7
75.0
541,286
16.8
OK
50,159
8,236
58,395
13.98
58,395
13.98
123,263
28,273
151,536
36.3
3,637
26,982
2,272
1,215
90
185,732
190,474
190,474
14,895
108,238
67,340
190,474
183,363
4,575
2,535
190,474
190,474
65,951
24,168
121
100,234
-
5,272
3,720
8,992
#DIV/0!
2,821
31.4
6,171
2.4
37.7
6.2
#DIV/0!
6.2
22.0
(7.0)
15.3
267.0
16.5
20.2
(21.3)
497.8
16.8
18.7
18.7
9.2
9.9
39.3
18.7
22.3
(50.2)
91.9
18.7
18.7
25.0
38.5
(0.0)
11.2
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
4.8
13.7
8.3
20.1
3.7
#DIV/0!
662
0.24
585
17,816
28.5
3.52
3.0
27.8
635,051
17.3
53,656
7,036
60,692
10.52
(2.0)
(6.5)
(2.6)
OK
54,774
7,526
62,300
12.72
62,300
12.72
160,893
26,244
187,137
38.2
3,253
26,507
2,542
1,464
88
220,991
225,717
225,717
19,030
126,861
79,827
225,717
216,339
3,354
6,023
225,717
225,717
83,232
30,653
103
111,729
-
5,846
4,227
10,073
2.38
3,268
32.4
6,805
9.2
(8.6)
6.7
#DIV/0!
6.7
30.5
(7.2)
23.5
(10.6)
(1.8)
11.9
20.5
(2.2)
19.0
18.5
18.5
27.8
17.2
18.5
18.5
18.0
(26.7)
137.6
18.5
18.5
26.2
26.8
(15.2)
11.5
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
10.9
13.6
12.0
15.8
10.3
#DIV/0!
60,692
10.52
184,373
25,007
209,380
36.3
2,572
34,644
2,131
2,471
87
251,284
280,291
280,291
24,272
157,303
98,715
280,291
265,034
3,870
11,387
280,291
280,291
108,567
44,083
282
127,358
-
5,933
5,350
11,283
2.64
4,043
35.8
7,239
#DIV/0!
(2.6)
14.6
(4.7)
11.9
(20.9)
30.7
(16.2)
68.8
(0.8)
13.7
24.2
24.2
27.5
24.0
23.7
24.2
22.5
15.4
89.0
24.2
24.2
30.4
43.8
174.7
14.0
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
1.5
26.6
12.0
23.7
6.4
#DIV/0!
#DIV/0!
5,953
#DIV/0!
#DIV/0!
6,628
4.17
4.10
5,232
329.3
236
5,527
-
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
17,623
#DIV/0!
398,058
1.5
#DIV/0!
17.2
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
7,086
3.82
3.99
7,232
583.2
247
7,899
(22.0)
16.6
2.3
#DIV/0!
#DIV/0!
(1.9)
13.6
OK
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
6,171
3.7
90,064
8,949
5
36,283
21.2
21,337
5,831
16,347
1,312
35.3
25.4
#DIV/0!
70.3
19.6
73.3
2.6
35.7
38.2
22,464
25,473
463,235
16.4
541,286
10.3
#DIV/0!
84,540
8,307
5
31,900
15.8
20,755
5,346
16,925
1,302
(6.1)
(7.2)
#DIV/0!
(12.1)
(2.7)
(8.3)
3.5
(0.7)
39,922
19,611
13.13
18,206
12.18
1,644
3.25
461
9.3
0.4
(14.65)
19.4
(9.64)
(2.6)
(4.06)
719.6
44,480
21,818
13.12
19,763
11.46
1,815
3.20
1,084
15.2
(0.9)
10.9
#DIV/0!
#DIV/0!
13.4
16.8
95,638
9,285
2
39,420
16.6
19,471
6,131
19,778
1,551
#DIV/0!
#DIV/0!
26,991
25,399
7.70
11.18
35
10.7
8.4
27,954
26,768
7.05
10.32
121
13.1
11.8
#DIV/0!
(65.3)
23.6
(6.2)
14.7
16.9
19.1
3.6
5.4
245.2
#DIV/0!
6.1
5.8
4,558
35,545
3.9
51.7
#DIV/0!
#DIV/0!
39.5
635,051
17.3
182,077
5,846
2
126,187
42.6
21,191
4,308
24,409
134
#DIV/0!
FY00
11.4
11.3
(0.02)
8.6
(0.72)
10.4
(0.05)
134.9
8,632
3.44
3.55
8,817
443.0
254
13,283
6.4
#DIV/0!
OK
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
7,239
#DIV/0!
14.8
OK
FY99
(39.9)
8,138
3.68
3.72
8,334
751.9
245
8,757
4.7
42.9
#DIV/0!
#DIV/0!
27.5
#DIV/0!
FY98
6,805
#DIV/0!
6.9
OK
#DIV/0!
#DIV/0!
90.4
(37.0)
#DIV/0!
220.1
8.8
(29.7)
23.4
(91.4)
#DIV/0!
FY01
51,545
25,142
13.14
24,171
11.89
1,715
2.84
517
15.9
15.2
0.02
22.3
0.42
(5.5)
(0.36)
(52.3)
58,635
28,235
11.98
27,418
11.61
1,523
2.48
1,459
35,382
33,668
7.63
11.46
291
26.6
25.8
38,250
36,095
6.97
10.17
392
139.6
13.8
12.3
(1.16)
13.4
(0.27)
(11.2)
(0.37)
182.3
8.1
7.2
35.0
#DIV/0!
1.15
1,557
39.92
#DIV/0!
12,932
3.70
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
6,366
2,802
2,373
7
616
2.14
247
#DIV/0!
#DIV/0!
#DIV/0!
321
72.4
6.4
35.8
12.8
592.3
10.0
(15.7)
301.8
#DIV/0!
(69.8)
5.25
1,064
18.04
27.8
16,164
3.55
5,447
3,283
786
7
738
2.16
153
(14.4)
17.2
(66.9)
(9.0)
19.8
7,277
3,817
2,149
7
762
2.14
203
481
2,380
37
581.4
792
15
#DIV/0!
#DIV/0!
46,288
19,297
12.3
14.6
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
11,286
8,714
8,714
#DIV/0!
553
198
30
348
2
56
61
192
103
181
848
6.0
7.5
#DIV/0!
7.5
16.8
7.6
91.8
20.6
17.6
82.1
26.0
21.9
17.4
(56.8)
2.5
8,011
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(3,332)
3,371
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
436
#DIV/0!
7,536
#DIV/0!
2,762
36.65
36.65
476
(37.8)
#DIV/0!
49.5
#DIV/0!
#DIV/0!
(32.9)
#DIV/0!
(81.6)
340
33.8
(2.2)
33.6
16.3
173.6
4.2
3.3
32.1
#DIV/0!
(29.4)
5.87
1,764
20.28
23.9
20,384
3.82
26.1
7,784
4,193
2,163
4
942
1.14
30
7.0
9.9
0.6
(45.4)
23.6
453
(85.2)
#DIV/0!
33.3
(66.7)
2,156
30
172.2
2,167
28
0.5
49,927
21,973
7.9
13.9
58,822
23,440
17.8
6.7
66,419
28,169
12.9
20.2
13,760
10,689
21.9
22.7
#DIV/0!
22.7
15,239
11,837
10.7
10.7
#DIV/0!
10.7
16,452
14,591
2,264
12,326
200
824
244
47
746
2
89
60
257
170
331
1,356
8.0
23.3
#DIV/0!
4.1
10,689
#DIV/0!
647
203
39
400
2
66
47
229
136
236
1,067
17.0
2.7
28.7
15.0
22.2
16.2
(22.0)
19.0
31.2
30.1
25.8
8,213
(833,025.0)
#DIV/0!
73.7
#DIV/0!
6.76
1,423
17.36
16,526
4.18
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(31.6)
508
2,395
#DIV/0!
11,837
183
720
223
43
430
1
72
58
237
137
305
1,175
11.3
10.0
10.7
7.6
(47.2)
9.7
23.7
3.5
0.9
29.4
10.2
8,202
(100.0)
#DIV/0!
(29.0)
#DIV/0!
(78)
469
2,490
515
#DIV/0!
2,903
#DIV/0!
#DIV/0!
(100.0)
#DIV/0!
510.3
2,880
109.0
5,310
(29.5)
5,321
124.8
1,589
29.92
29.92
(42.5)
1,240
23.30
23.30
14.5
9.4
8.6
73.6
44.9
23.0
3.4
8.5
24.1
8.4
15.4
11,716
#DIV/0!
(7.7)
3.9
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(0.8)
201
102
3,405
147
#DIV/0!
(357.8)
(78.3)
36.8
(71.5)
3,707
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
28.7
0.2
8,009
50.5
(21.9)
1,108
13.84
19.29
(10.6)
#DIV/0!
4,774
#DIV/0!
#DIV/0!
100.8
#DIV/0!
#DIV/0!
3,721
(22.0)
#DIV/0!
#DIV/0!
4,081
9.7
#DIV/0!
#DIV/0!
6,901
(2,264)
(2,264)
69.1
#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!
4,774
4,774
OK
100.8
100.8
3,721
3,721
OK
(22.0)
(22.0)
4,081
4,081
OK
9.7
9.7
4,636
4,636
OK
13.6
13.6
#DIV/0!
#DIV/0!
5,013
955
20.00
20.00
1,733
1,901
424
424
110.9
96.8
5,031
744
20.00
20.00
2,552
1,310
424
424
0.4
(22.0)
4,081
1,020
25.00
25.00
2,458
36
568
500
(18.9)
37.1
4,636
1,159
25.00
16.80
6
2,886
585
531
13.6
13.6
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
35.1
#DIV/0!
(12.5)
(12.5)
#DIV/0!
#DIV/0!
2.00
8.89
8.89
-
#DIV/0!
(239)
(100.0)
34.3
#DIV/0!
0.0
0.0
#DIV/0!
#DIV/0!
2.00
11.41
11.41
-
(331,998.6)
(1,310)
448.0
68
2.36
13.91
13.91
-
#DIV/0!
(3.7)
(97.3)
33.7
17.8
#DIV/0!
#DIV/0!
(100.0)
54
2.50
12.61
8.47
-
(0)
17
#DIV/0!
18
#DIV/0!
19
#DIV/0!
33
#DIV/0!
60
#DIV/0!
74
#DIV/0!
90
#DIV/0!
109
#DIV/0!
20.0
424.5
14.0
20.0
424.5
14.0
23.6
500.0
14.0
25.0
530.7
14.0
#DIV/0!
17.5
(100.0)
3.0
6.1
#DIV/0!
(19.9)
(280.8)
59.5
484.0
10.1
4,289.6
10,664
10,365
59.5
484.0
13.0
3,237.2
13,537
13,901
70.1
570.1
14.0
3,511.3
17,051
17,049
74.4
605.1
13.1
4,031.3
21,103
21,083
212.24
281.41
281.41
212.24
212.24
212.24
212.24
212.24
212.24
212.24
212.24
212.24
FY02
% Chg
2,122
15000.00
2653.03
2122.41
FY03
#DIV/0!
#DIV/0!
-
% Chg
2,653
15000.00
2653.03
2653.03
FY04
25.0
25.0
1,644.90
7,033
556
3,101
1.10
15,968
26,658
3,381
30,040
25.0
307.2
#DIV/0!
#DIV/0!
130.5
#DIV/0!
14.1
26
(2.5)
22.3
9,139
557
1,114
5,001
1.47
18,570
34,381
3,296
37,677
29.9
0.1
#DIV/0!
#DIV/0!
61.3
#DIV/0!
16.3
29
(2.5)
25.4
% Chg
2,653
15000.00
2653.03
2653.03
80.00
2122.42
1822.42
11,910
580
1,114
9,650
2.29
21,000
44,255
3,210
47,465
FY05
30.3
4.3
#DIV/0!
92.9
#DIV/0!
13.1
29
(2.6)
26.0
3,153
15000.00
3153.03
3153.03
80.00
15,436
1,555
20,114
19,023
3.75
19,206
75,335
3,125
78,460
% Chg
FY06
18.8
18.8
18.8
3,153
15,000
3,153
3,153
58
29.6
168.0
1,705.1
#DIV/0!
97.1
19,034
1,858
20,114
44,745
-
#DIV/0!
(8.5)
70
(2.7)
65.3
1,835
87,587
3,024
90,611
28,781
23.9
37,034
28.7
46,908
26.7
78,488
67.3
90,740
657,119
284,226
43.25
13.9
14.4
780,685
355,362
45.52
18.8
25.0
915,633
403,230
44.04
17.3
13.5
1,082,280
478,077
44.17
18.2
18.6
0.3
1,283,071
586,320
45.70
67,584
1,112
66,472
216,642
357,009
13,162
343,847
641,235
14,274
626,961
7.1
(24.7)
7.8
16.9
14.1
5.9
14.4
14.2
2.7
14.5
98,883
1,660
97,223
256,479
402,773
4,848
397,925
758,135
6,508
751,627
46.3
49.2
46.3
18.4
12.8
(63.2)
15.7
18.2
(54.4)
19.9
99,004
1,432
97,572
304,226
475,934
7,178
468,756
879,164
8,610
870,554
0.1
(13.8)
0.4
18.6
18.2
48.1
17.8
16.0
32.3
15.8
124,666
12,357
112,309
353,411
553,592
8,512
545,080
1,031,669
20,869
1,010,800
25.9
763.0
15.1
16.2
16.3
18.6
16.3
17.3
142.4
16.1
167,238
14,384
152,853
419,082
610,529
7,823
602,706
1,196,849
22,207
1,174,642
2,690
320
1,032
44
4,086
(10.3)
(26.8)
(68.0)
(38.0)
(39.3)
1,842
3,767
1,013
6,622
(100.0)
476.3
265.0
2,201.7
62.1
43
5,725
492
6,631
12,891
#DIV/0!
210.8
(87.0)
554.7
94.7
86
4,573
5,266
17,257
27,183
98.7
(20.1)
971.3
160.3
110.9
47,200
321
7,403
11,948
66,872
11,799
32.6
15,929
35.0
23,579
48.0
23,429
(0.6)
19,350
38,221
8,665
35.2
664
4,526
8.3
21.7
16.4
41,203
9,482
32.9
342
4,933
7.6
26,446
7.8
9.4
57,566
13,956
49.8
3,737
4,617
6.1
39.7
47.2
98,519
14,193
41.1
2,119
4,788
5.3
71.1
1.7
(17.5)
(43.3)
3.7
75,839
18,143
48.5
3,898
1,935
1.8
304
51,560
24,366
(43.1)
20.9
#DIV/0!
27.8
(48.5)
9.0
#DIV/0!
(100.0)
35255.90
992.9
(6.4)
(100.0)
#DIV/0!
77,420
#DIV/0!
119.6
812
0.24
637
22,918
22.7
0.03
8.9
28.6
729,147
14.8
OK
952
0.24
1,048
(2,000)
17.2
0.17
64.5
(108.7)
63,983
9.74
193,043
24,594
217,637
33.1
3,439
53,829
2,120
4,946
101
282,072
343,694
343,694
24,601
184,782
134,311
343,694
326,007
4,934
12,753
343,694
343,694
134,413
62,245
380
146,656
-
6,113
6,367
12,481
2.92
4,896
39.2
7,585
(4.9)
84.3
5.4
#DIV/0!
5.4
4.7
(1.7)
3.9
33.7
55.4
(0.5)
100.2
16.4
12.3
22.6
22.6
1.4
17.5
36.1
22.6
23.0
27.5
12.0
22.6
22.6
23.8
41.2
34.7
15.2
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
3.0
19.0
10.6
21.1
4.8
#DIV/0!
48.8
26.79
14.3
(1,732.5)
2,558
0.42
1,977
72,886
80.5
41.09
65.1
123.3
2,830
0.38
2,157
46,573
23.4
1,452,674
OK
862,218
18.3
1,023,317
OK
18.7
1,262,413
OK
65,685
15,087
80,772
10.35
28.8
16.3
26.2
67,423
20,782
88,205
9.63
2.6
37.8
9.2
94,602
16,288
110,890
10.25
OK
51,014
12,969
63,983
9.74
1,417
0.30
1,197
32,642
80,772
10.35
253,377
24,089
277,467
35.5
2,701
54,584
2,198
3,257
94
340,300
402,281
402,281
28,787
209,011
164,483
402,281
367,139
6,623
28,519
402,281
402,281
160,336
68,602
2,374
170,969
-
6,542
7,568
14,110
3.15
5,976
42.4
8,134
#DIV/0!
26.2
31.3
(2.1)
27.5
(21.4)
1.4
3.7
(34.2)
(7.3)
20.6
17.0
17.0
17.0
13.1
22.5
17.0
12.6
34.2
123.6
17.0
17.0
19.3
10.2
524.4
16.6
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
7.0
18.9
13.1
22.1
7.2
#DIV/0!
88,205
9.63
330,688
23,432
354,120
38.7
2,667
57,663
2,059
4,652
94
421,255
472,247
472,247
28,033
218,124
226,090
472,247
421,229
3,643
47,375
472,247
472,247
207,345
65,187
2,054
197,661
-
6,735
9,366
16,100
3.60
7,461
46.3
8,639
#DIV/0!
9.2
30.5
(2.7)
27.6
(1.3)
5.6
(6.3)
42.9
(0.3)
23.8
17.4
17.4
(2.6)
4.4
37.5
17.4
14.7
(45.0)
66.1
17.4
17.4
29.3
(5.0)
(13.5)
15.6
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
2.9
23.8
14.1
24.8
6.2
#DIV/0!
110,890
10.25
411,903
22,154
434,057
40.1
4,290
60,426
3,150
4,711
94
506,728
604,128
604,128
34,539
281,960
287,629
604,128
507,361
5,680
91,086
604,128
604,126
282,685
67,601
261
253,579
2
1
1
7,079
11,302
18,382
4.09
9,104
49.5
9,277
40.3
(21.6)
25.7
#DIV/0!
25.7
24.6
(5.5)
22.6
60.9
4.8
53.0
1.3
20.3
27.9
27.9
23.2
29.3
27.2
27.9
20.4
55.9
92.3
27.9
27.9
36.3
3.7
(87.3)
28.3
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
5.1
20.7
14.2
22.0
7.4
233,946
13,971
247,917
19.32
247,917
19.32
334,193
12,217
346,410
27.0
4,818
49,801
5,345
4,149
31
410,553
746,274
746,274
37,405
327,930
380,939
746,274
627,954
7,067
111,252
746,274
746,272
340,934
56,226
242
348,870
1
1
0
7,403
13,216
20,619
4.57
10,767
52.2
9,852
713
498
427
212
215
7,585
4.8
10,202
3.62
3.85
4,390
128.6
255
12,769
736
3,462
31,813
#DIV/0!
18.2
729,147
14.8
8,847
10,679
3.14
3.55
2,273
34.4
70
14,003
680
2,312
30,017
(50.2)
0.4
(3.9)
#DIV/0!
(24.1)
(10.5)
OK
862,218
359
498
560
699
(138)
16.6
#DIV/0!
4.7
25.7
(4.5)
#DIV/0!
93.6
30.2
23.5
4.3
15.0
60.4
(72.4)
9.7
(7.5)
(33.2)
(5.6)
18.3
235,709
1,953
3
163,640
37.5
31,502
3,823
33,764
1,022
3.0
(65.0)
#DIV/0!
(0.4)
20.4
(14.9)
20.3
375.7
#DIV/0!
8.3
124.6
(12.9)
(3.0)
68.0
(49.8)
8.6
18.7
66,479
33,179
11.20
30,028
11.26
2,276
3.65
996
13.4
17.5
(0.78)
9.5
(0.35)
49.5
1.18
(31.7)
74,850
37,116
10.31
32,983
10.60
1,794
2.48
2,957
322,300
2,524
2
195,435
38.0
39,951
11,315
71,679
1,395
43,526
41,216
6.85
9.91
479
13.8
14.2
43,613
41,626
5.95
8.78
75
36.7
29.2
#DIV/0!
(48.3)
19.4
26.8
195.9
112.3
36.5
0.2
1.0
(84.3)
726
351
375
9,652
13,100
2.59
3.62
3,233
54.3
64
13,194
1,423
31,014
1,262,413
420,013
2,377
2
266,785
41.7
56,880
8,493
83,264
2,213
#DIV/0!
FY04
12.6
11.9
(0.90)
9.8
(0.66)
(21.2)
(1.17)
196.9
375
4.3
(100.0)
29.5
(49.8)
(370.8)
11.7
#DIV/0!
13.3
(5.8)
6.3
(36.7)
(47.3)
4.3
(2.8)
24.5
(100.0)
(4.9)
#DIV/0!
23.4
#DIV/0!
OK
#DIV/0!
FY03
22.1
1,023,317
1.7
OK
#DIV/0!
FY02
11,565
2.75
3.41
5,106
103.0
61
13,576
1,143
1,161
32,612
(48.2)
OK
228,848
5,585
3
164,314
44.8
26,162
4,494
28,074
215
8,998
(49.6)
31.3
230.2
(164.4)
451
963
512
451
10,302
12,411
3.02
4.13
6,908
109.8
73
18,237
37,628
1,452,674
OK
30.3
(5.8)
#DIV/0!
36.5
9.7
42.4
(24.9)
16.2
58.6
530,354
3,840
3
306,299
39.5
70,496
14,408
131,747
3,560
#DIV/0!
FY05
FY06
77,797
38,760
9.04
36,810
9.67
1,131
1.34
1,096
3.9
4.4
(1.27)
11.6
(0.93)
(36.9)
(1.14)
(62.9)
84,599
42,461
7.98
39,740
8.56
1,642
1.65
754
8.7
9.5
(11.8)
8.0
(11.4)
45.2
23.22
(31.2)
95,842
53,415
7.98
40,303
8.79
1,764
0.98
360
41,550
39,264
4.80
6.70
133
(4.7)
(5.7)
44,531
41,633
4.36
5.85
416
7.2
6.0
(9.1)
(12.7)
211.8
49,174
46,118
4.14
5.60
644
77.0
8.85
1,831
17.69
3.8
1.41
1,912
13.79
4.4
1.37
2,152
10.89
12.6
2.08
2,483
10.56
51.8
15.4
(3.0)
1.37
2,412
11.28
10.5
46,668
3.57
22,953
3.67
12.6
31,237
4.20
36.1
36,247
4.05
16.0
40,067
3.66
9,777
4,340
3,797
4
922
0.64
280
25.6
3.5
75.6
(1.3)
(2.0)
12,503
4,800
6,022
4
951
0.58
237
27.9
10.6
58.6
11.6
3.1
18,669
5,519
11,186
2
1,060
0.59
303
49.3
15.0
85.7
(40.4)
11.5
16,757
6,913
3,528
6
1,418
0.53
186
4,707
(10.2)
25.3
(68.5)
155.7
33.7
(10.0)
(38.8)
#DIV/0!
686.5
12,735
7,526
2,109
27
1,221
0.43
113
(68.4)
2,136
17
434
833.3
#DIV/0!
(4.2)
489
(15.4)
#DIV/0!
12.8
598
27.8
#DIV/0!
22.3
1,739
3,801
39
75.4
6,026
48
58.5
11,188
60
85.7
3,534
21
76,256
32,730
14.8
16.2
87,353
43,740
14.6
33.6
96,466
54,916
10.4
25.5
101,355
56,824
5.1
3.5
108,577
59,403
16,842
13,163
1,150
12,013
207
943
286
84
853
3
133
76
285
190
389
1,587
2.4
(9.8)
(49.2)
(2.5)
3.2
14.4
16.8
78.8
14.3
82.7
50.4
26.0
11.0
11.8
17.4
17.1
19,417
14,761
1,150
13,611
233
1,056
525
78
1,290
3
156
86
313
199
461
1,640
15.3
12.1
(0.0)
13.3
12.7
11.9
83.9
(6.9)
51.2
(10.0)
17.0
12.8
9.9
5.0
18.6
3.3
22,556
16,541
1,151
15,390
261
1,200
351
108
1,814
3
179
133
451
244
547
2,137
16.2
12.1
0.1
13.1
12.1
13.6
(33.2)
38.4
40.7
23.1
14.9
54.4
44.1
22.6
18.6
30.3
31,619
24,240
1,161
23,079
394
1,340
367
192
1,833
7
215
116
475
293
841
2,863
40.2
46.5
0.9
50.0
50.8
11.7
4.5
76.6
1.0
99.6
20.3
(12.5)
5.3
19.9
53.8
34.0
30,232
21,150
15,888
(352)
1,013
6,463
150
#DIV/0!
24,323
(275.3)
896.6
89.8
2.0
7,124
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
92.1
8,765
1,990
22.71
26.14
1,328
1,540
8,470
140
#DIV/0!
32,359
(477.0)
52.1
31.0
(6.7)
11,337
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
59.1
9.4
12,986
79.6
3,414
26.29
28.84
(309)
1,417
12,405
465
#DIV/0!
25,205
(123.2)
(8.0)
46.5
232.1
(484)
2,821
1,141
#DIV/0!
21,150
363
1,543
387
202
1,866
7
207
92
557
391
1,167
2,663
29,171
56.9
(100.0)
(77.3)
145.3
888
273
#DIV/0!
2,652
13,514
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
19.2
48.2
18,846
45.1
20,217
7.3
20,348
71.5
6,608
35.06
37.34
93.6
4,955
24.51
26.00
(25.0)
5,955
29.27
29.27
4,989
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(63.1)
8,900
(966)
8,823
6,774
(1.8)
9,572
(1,150)
(1,150)
(49.2)
(49.2)
(1,150)
(1,150)
#DIV/0!
#DIV/0!
5,624
5,624
OK
21.3
21.3
8,422
8,422
OK
41.3
(0.0)
(0.0)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
49.8
49.8
8422.05
0.00
8422.05
5,624
1,406
25.00
20.75
420
1,406
1,756
637
637
3.00
11.32
9.40
-
21.3
21.3
6,761.7
(51.3)
#DIV/0!
8.9
20.0
#DIV/0!
(100.0)
8,422
2,106
25.00
22.00
0
3,369
1,900
1,048
929
119
3.50
12.44
10.94
-
(140.4)
12,238
(1,151)
(1,151)
11,087
11,087
OK
27.8
0.1
0.1
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
31.6
31.6
11086.88
0.00
11086.88
49.8
49.8
(99.9)
139.6
8.2
64.5
45.8
#DIV/0!
#DIV/0!
11,087
2,772
25.00
22.65
24
2,446
4,648
1,197
1,061
136
4.00
10.80
9.78
-
126.3
(0)
15,262
(1,161)
(1,161)
14,101
14,101
OK
24.7
0.9
0.9
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
27.2
27.2
14101.17
1750.05
15851.21
31.6
31.6
5,616.4
(27.4)
144.7
14.3
14.3
#DIV/0!
14.3
(151.2)
15,851
3,525
25.00
23.10
975
0.7
9,374
1,977
1,742
235
5.52
14.02
12.95
-
(0)
14,393
14,393
14,393
OK
14393.04
0.00
14393.04
43.0
27.2
4,020.1
(100.0)
101.7
65.1
64.1
#DIV/0!
72.7
59.1
12,558
3,598
25.00
25.00
303
25,523
(19,023)
2,157
1,892
265
6.00
14.99
14.99
-
1,835
32
#DIV/0!
40
#DIV/0!
46
#DIV/0!
53
#DIV/0!
46
#DIV/0!
136
#DIV/0!
140
#DIV/0!
177
#DIV/0!
249
#DIV/0!
288
#DIV/0!
30.0
636.7
14.0
35.0
928.6
14.0
40.0
1,061.2
14.0
55.2
1,741.8
14.0
60.0
1,891.8
14.0
89.3
726.0
12.9
4,897.9
26,658
26,001
130.2
1,058.8
12.6
7,363.3
34,381
34,021
148.8
1,210.0
10.9
9,876.8
44,255
44,258
244.3
1,986.1
14.1
12,115.1
75,335
56,370
265.3
2,157.1
15.0
12,235.9
87,587
87,571
212.24
212.24
212.24
265.30
238.77
238.77
265.30
265.30
265.30
315.30
290.30
290.30
315.30
315.30
315.30
% Chg
FY07
% Chg
FY08
% Chg
FY09
% Chg
FY10
% Chg
FY11E
3,153
15,000
3,153
3,153
58
3,153
15,000
3,153
3,153
58
3,153
15,000
3,153
3,153
58
3,153
15,000
3,153
3,153
58
3,153
15,000
3,153
3,153
58
23.3
19.5
#DIV/0!
(100.0)
22,884
2,359
20,114
52,751
-
20.2
26.9
17.9
#DIV/0!
28,006
3,198
20,114
53,355
22.4
35.6
1.1
#DIV/0!
35,733
5,954
20,114
65,296
1,071
0.17
27.6
86.2
22.4
#DIV/0!
45,497
10,196
20,114
78,193
1,071
0.14
4,086
159,156
14,920
174,076
27.3
71.2
19.8
-
56,711
27,220
20,114
77,122
-
#DIV/0!
(90.4)
16
(3.2)
15.5
155
98,263
2,938
101,202
#DIV/0!
(91.5)
12
(2.8)
11.7
104,673
15,357
120,030
#DIV/0!
(100.0)
7
422.6
18.6
76
128,246
15,137
143,383
#DIV/0!
#DIV/0!
23
(1.4)
19.5
#DIV/0!
5,246.7
24
(1.4)
21.4
17,314
198,482
14,920
213,401
15.6
101,416
11.8
107,827
6.3
131,399
21.9
162,309
23.5
201,635
18.6
22.6
1,455,033
645,543
44.37
13.4
10.1
1,780,686
715,609
40.19
22.4
10.9
2,222,202
814,599
36.66
24.8
13.8
2,685,922
1,018,500
37.92
20.9
25.0
3,281,837
1,233,781
37.59
34.1
16.4
36.1
18.6
10.3
(8.1)
10.6
16.0
6.4
16.2
164,657
13,311
151,346
480,886
753,053
8,100
744,953
1,398,597
21,411
1,377,186
(1.5)
(7.5)
(1.0)
14.7
23.3
3.5
23.6
16.9
(3.6)
17.2
177,912
15,429
162,483
537,697
948,964
17,585
931,379
1,664,572
33,013
1,631,559
8.0
15.9
7.4
11.8
26.0
117.1
25.0
19.0
54.2
18.5
188,139
14,386
173,753
626,460
1,283,006
42,582
1,240,424
2,097,605
56,968
2,040,637
5.7
(6.8)
6.9
16.5
35.2
142.2
33.2
26.0
72.6
25.1
237,172
17,633
219,539
781,328
1,474,798
25,839
1,448,959
2,493,298
43,473
2,449,825
26.1
22.6
26.4
24.7
14.9
(39.3)
16.8
18.9
(23.7)
20.1
272,748
19,397
253,351
961,034
1,814,002
28,423
1,785,578
3,047,783
47,820
2,999,963
54,565.7
(93.0)
40.6
(30.8)
146.0
6,000
216
3,131
10,142
19,489
(87.3)
(32.8)
(57.7)
(15.1)
(70.9)
21,500
345
1,599
31,022
54,466
258.3
59.7
(48.9)
205.9
179.5
354
3,343
40,046
43,744
(100.0)
2.7
109.1
29.1
(19.7)
29,486
303
3,554
52,377
85,721
#DIV/0!
(14.4)
6.3
30.8
96.0
29,486
319
3,839
73,507
107,151
(17.4)
36,948
90.9
61,648
66.9
80,853
31.2
106,903
32.2
126,903
(23.0)
27.8
64,837
9,505
20.5
12,996
2,455
2.0
39,881
(14.5)
(47.6)
86,334
21,131
48.4
3,860
3,248
2.2
58,096
33.2
122.3
100,448
26,447
60.1
1,616
3,244
1.8
69,141
16.3
25.2
103,177
23,043
51.7
2,255
3,438
1.5
74,441
2.7
(12.9)
137,772
29,740
58.0
2,368
4,102
1.5
101,562
84.0
(59.6)
#DIV/0!
(33.4)
233.4
26.9
(100.0)
(22.7)
(70.3)
32.3
#DIV/0!
45.7
(58.1)
(0.1)
#DIV/0!
19.0
39.5
6.0
#DIV/0!
7.7
10.7
(10.42)
9.1
(36.1)
15.1
147.3
(14.2)
123.6
#DIV/0!
123.6
(18.9)
(44.9)
(20.2)
12.3
(17.6)
69.6
(11.9)
(67.1)
(19.0)
23.5
23.5
8.3
16.3
32.4
23.5
23.8
24.4
22.1
23.5
23.5
20.6
(16.8)
(7.1)
37.6
(29.9)
19.0
#DIV/0!
(87.8)
4.6
16.9
12.2
18.3
6.2
4,349
0.45
3,651
31,880
1,624,225
OK
123,720
32,735
156,455
10.75
156,455
10.75
366,310
9,897
376,207
25.9
7,549
43,056
5,351
19,705
31
451,898
32%
965,965
965,965
46,314
431,610
488,041
965,965
811,377
13,325
141,263
965,965
965,962
365,276
124,943
2,602
473,141
3
3
-
7,444
14,638
22,082
4.86
12,379
56.1
9,703
53.7
18.73
69.3
(31.5)
11.8
(47.1)
134.3
(36.9)
#DIV/0!
(36.9)
9.6
(19.0)
8.6
56.7
(13.5)
0.1
375.0
10.1
29.4
29.4
23.8
31.6
28.1
29.4
29.2
88.6
27.0
29.4
29.4
7.1
122.2
973.9
35.6
184.6
209.3
#DIV/0!
(100.0)
0.6
10.8
7.1
15.0
(1.5)
5,734
0.48
4,796
47,566
31.8
6.57
31.3
49.2
6,381
0.41
7,378
55,382
1,990,204
OK
22.5
2,469,186
OK
24.1
2,966,328
OK
20.1
3,636,163
OK
152,582
35,726
188,307
10.57
23.3
9.1
20.4
170,583
43,549
214,131
9.64
11.8
21.9
13.7
183,276
51,460
234,736
8.74
7.4
18.2
9.6
192,440
135,744
328,184
10.00
188,307
10.57
442,167
8,011
450,178
25.3
8,692
40,067
5,351
33,431
2,198
539,917
32%
1,195,016
1,195,016
43,678
559,371
591,966
1,195,016
977,067
16,944
201,005
1,194,693
1,194,683
462,169
128,614
6,249
597,650
11
10
1
20,553
16,084
36,637
8.07
13,841
37.8
22,795
#DIV/0!
20.4
20.7
(19.1)
19.7
15.1
(6.9)
69.7
7,033.0
19.5
23.7
23.7
(5.7)
29.6
21.3
23.7
20.4
27.2
42.3
23.7
23.7
26.5
2.9
140.2
26.3
213.5
195.7
#DIV/0!
#DIV/0!
176.1
9.9
65.9
11.8
134.9
214,131
9.64
545,308
6,674
551,983
24.8
12,057
44,704
5,395
13,567
6,147
633,852
30%
11.3
(14.05)
53.8
16.4
#DIV/0!
13.7
23.3
(16.7)
22.6
38.7
11.6
0.8
(59.4)
179.6
17.4
1,547,030
29.5
1,547,030
29.5
44,000
0.7
689,179
23.2
813,852
37.5
1,547,030
29.5
1,271,285
30.1
60,942
259.7
214,803
6.9
1,547,030
29.5
1,508,780
26.3
492,123
6.5
114,218
(11.2)
2,456
(60.7)
899,983
50.6
38,250 #######
8,672 #######
29,578
#DIV/0!
(100.0)
20,931
17,909
38,840
8.77
15,332
39.5
23,507
1.8
11.3
6.0
10.8
3.1
7,091
0.38
8,101
59,249
234,736
8.74
659,704
4,922
664,626
24.7
17,429
30,327
4,856
60,006
777,245
31%
1,866,012
1,866,012
44,588
822,071
999,354
1,866,012
1,643,527
24,269
198,216
1,866,012
1,796,281
666,155
116,293
10,890
1,002,943
69,731
66,505
520
2,707
21,001
20,370
41,371
9.35
16,767
40.5
24,604
11.1
(7.87)
9.8
7.0
#DIV/0!
9.6
21.0
(26.3)
20.4
44.6
(32.2)
(10.0)
(100.0)
876.2
22.6
20.6
20.6
1.3
19.3
22.8
20.6
29.3
(60.2)
(7.7)
20.6
19.1
35.4
1.8
343.5
11.4
82.3
666.9
(98.2)
#DIV/0!
0.3
13.7
6.5
9.4
4.7
8,626
0.38
4,730
88,206
328,184
10.00
763,278
57,181
820,459
25.0
19,520
32,753
5,099
66,007
943,839
31.0%
2,270,014
2,270,014
51,276
1,069,482
1,149,257
22,051
22,407
44,458
9.93
19,562
44.0
24,897
395
360
464
531
663
32.6
45.9
1,110
715
395
15.3
39.6
1,234
874
360
11.2
22.3
1,498
1,034
464
21.4
18.3
1,756
1,226
531
17.2
18.5
2,072
1,409
663
6.7
10,098
(2.0)
23,155
129.3
23,971
3.5
25,135
4.9
25,560
#DIV/0!
(5.3)
113.6
13.7
38.2
(100.0)
#DIV/0!
21.3
15.1
12,291
2.72
4.28
7,016
56.3
70
20,431
39,808
1,624,225
#DIV/0!
(1.0)
1.6
(4.3)
12.0
#DIV/0!
#DIV/0!
5.8
11.8
OK
26.3
61.6
#DIV/0!
60.4
14.8
23.9
69.7
58.2
60.9
667,584
3,380
2
401,603
40.5
92,703
28,199
138,733
2,963
#DIV/0!
14,174
2.63
4.33
12,632
75.4
75
16,927
43,808
1,990,204
#DIV/0!
15.3
80.0
8.1
(17.2)
#DIV/0!
#DIV/0!
10.0
22.5
OK
25.9
(12.0)
#DIV/0!
(32.0)
31.1
31.5
95.7
5.3
(16.8)
969,515
10,144
2
650,856
53.3
111,711
31,005
163,444
2,353
#DIV/0!
FY07
45.2
200.1
#DIV/0!
62.1
20.5
9.9
17.8
(20.6)
15,142
2.39
3.94
11,445
57.2
91
23,524
50,202
2,469,186
(669,835.2)
OK
1,036,502
13,314
0
577,498
36.8
132,890
66,894
243,796
2,109
#DIV/0!
FY08
#DIV/0!
6.8
(9.4)
20.6
39.0
#DIV/0!
#DIV/0!
14.6
24.1
6.9
31.2
#DIV/0!
(94.0)
(11.3)
19.0
115.8
49.2
(10.3)
16,895
2.17
4.02
15,117
65.4
86
31,102
63,201
2,966,328
3,636,163.0
OK
918,134
2,454
0
421,185
22.3
165,142
75,471
236,889
16,994
#DIV/0!
FY09
#DIV/0!
11.6
32.1
(5.5)
32.2
#DIV/0!
#DIV/0!
25.9
20.1
17,933
1.90
3.46
16,327
94
34,212
68,566
3,636,163
OK
(11.4)
(81.6)
#DIV/0!
(27.1)
24.3
12.8
(2.8)
705.6
#DIV/0!
FY10
1,511,163
3,165
0
921,510
40.0
186,610
89,810
291,374
18,693
-
FY11E
269,512
13.3
25.8
(0.00)
1.4
0.22
7.4
(0.67)
(52.3)
112,361
76,439
8.99
32,882
7.63
2,564
1.27
475
17.2
43.1
1.01
(18.4)
(1.16)
45.4
0.29
32.2
142,650
104,391
9.72
36,113
7.28
1,503
0.87
643
27.0
36.6
0.74
9.8
(0.34)
(41.4)
(0.40)
35.3
191,272
145,838
10.70
42,650
7.27
2,023
1.01
761
34.1
39.7
0.97
18.1
(0.02)
34.6
0.13
18.4
214,669
167,013
9.82
45,767
6.49
1,492
0.66
397
12.2
14.5
(0.87)
7.3
(0.78)
(26.2)
(0.34)
(47.9)
269,512
210,149
10.19
56,635
6.58
2,252
0.80
476
10.4
10.8
(0.22)
(0.25)
54.9
60,229
56,175
4.33
5.93
624
22.5
21.8
0.19
0.33
(3.1)
87,309
82,651
5.40
7.62
591
45.0
47.1
1.07
1.69
(5.3)
122,953
115,643
6.15
8.54
1,195
40.8
39.9
0.75
0.92
102.3
129,440
119,656
5.21
6.89
541
5.3
3.5
(0.93)
(1.65)
(54.7)
165,850
153,882
5.55
7.50
1,447
(0.71)
(2.9)
0.71
1.45
3,430
12.19
0.08
42.2
0.91
1.60
4,066
8.25
0.15
18.5
(3.94)
2.43
6,115
8.58
0.84
50.4
0.33
0.84
9,243
9.85
(1.60)
51.2
1.26
1.50
10,521
9.00
16.5
52,132
3.51
11.7
55,342
3.18
6.2
68,319
3.18
23.4
85,229
3.24
24.8
103,662
3.24
(24.0)
8.9
(40.2)
325.0
(13.9)
17,304
9,700
3,729
8
1,767
0.50
234
35.9
28.9
76.8
(71.5)
44.7
19,976
11,062
4,419
11
2,114
0.40
53
15.4
14.0
18.5
49.9
19.6
30,647
13,766
6,647
18
2,943
0.48
293
53.4
24.4
50.4
56.6
39.2
35,653
16,822
8,033
24
3,136
0.63
246
16.3
22.2
20.9
36.1
6.5
36,745
20,522
4,418
24
3,021
0.45
259
(39.1)
#DIV/0!
(63.1)
(39.6)
7.1
4.5
1,867
6,980
457.7
#DIV/0!
201.4
7,392
(15.9)
#DIV/0!
5.9
8,500
74.9
4,431
22
18.6
6,664
22
50.4
8,058
23
20.9
4,443
12
129,665
69,436
19.4
16.9
162,626
75,317
25.4
8.5
221,919
98,966
36.5
31.4
250,322
120,882
12.8
22.1
306,257
140,407
20,006
39.8
55,897
35,891
33,262
23,524
15.7
36,174
#DIV/0!
#DIV/0!
(136.4)
#DIV/0!
76.9
2,316
(77.5)
#DIV/0!
24.1
3,736
22
(4.4)
(12.7)
(100.0)
(8.4)
(7.7)
15.2
5.6
5.2
1.8
5.2
(3.9)
(20.4)
17.2
33.4
38.7
(7.0)
(1,938.5)
#DIV/0!
(68.5)
(76.1)
106.8
#DIV/0!
7.4
23,524
408
1,734
395
180
1,948
8
224
107
515
409
1,278
2,940
6,749
7,518
1,519
#DIV/0!
217
14,483
10.0
11.2
#DIV/0!
11.2
12.2
12.3
2.1
(10.5)
4.4
12.0
8.5
15.6
(7.5)
4.6
9.6
10.4
24.0
(24.2)
#DIV/0!
746.3
457.5
#DIV/0!
#DIV/0!
(122.4)
#DIV/0!
64.1
46.8
35,255
24,615
24,615
434
1,939
444
233
1,702
9
362
131
556
554
1,408
3,301
40,062
1,042
5,156
1,385
#DIV/0!
906
7,103
6.0
4.6
#DIV/0!
4.6
6.5
11.9
12.3
29.3
(12.6)
14.5
61.4
22.8
7.9
35.6
10.2
12.3
10.7
(84.6)
#DIV/0!
(31.4)
(8.8)
#DIV/0!
#DIV/0!
318.3
#DIV/0!
(51.0)
0.6
21,691
6.6
32,959
51.9
20.2
6,291
29.00
29.00
5.6
12,472
37.84
37.84
98.3
42.5
42,062
29,244
29,244
512
2,263
454
312
1,911
14
310
153
766
669
1,697
4,270
56,904
(2,163)
8,858
646
#DIV/0!
2,541
9,235
47,669
16,760
35.16
35.16
19.3
18.8
#DIV/0!
18.8
17.9
16.7
2.4
34.0
12.2
44.0
(14.2)
16.9
37.8
20.7
20.5
29.4
42.0
(307.7)
#DIV/0!
71.8
(53.3)
#DIV/0!
#DIV/0!
180.5
#DIV/0!
30.0
44.6
34.4
39.4
47,619
31,211
31,211
536
2,604
476
401
2,228
14
393
166
1,011
772
2,209
6,135
13.2
6.7
#DIV/0!
6.7
4.7
15.1
4.7
28.4
16.6
5.0
26.5
8.5
31.9
15.4
30.2
43.7
73,263
28.7
684
10,536
541
#DIV/0!
2,995
14,215
4,980
59,048
19,994
33.86
33.86
(131.6)
#DIV/0!
18.9
(16.3)
35,891
614
3,073
499
453
2,794
15
471
186
1,213
872
2,761
7,668
84,511
1,500
15,043
1,535
#DIV/0!
#DIV/0!
#DIV/0!
17.9
#DIV/0!
53.9
16,543
23.9
67,968
19.3
23,109
34.00
34.00
(5.7)
(100.0)
(100.0)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
2.1
15,401
15,401
15,401
OK
7.0
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
7.0
15400.83
1834.88
17235.71
(20.8)
2.1
(68.9)
(302.9)
9.1
8.6
#DIV/0!
13.0
16,002
3,850
25.00
25.00
500
8,000
3,651
3,153
498
10.00
23.71
23.71
-
27.4
7.0
65.2
(100.0)
69.3
66.7
#DIV/0!
87.8
20,488
20,488
20,488
OK
33.0
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
33.0
30,909
30,909
30,909
OK
20487.59
30,909
20487.59
30,909
20,643
5,122
25.00
25.00
839
9,886
4,796
4,099
697
13.00
23.41
23.41
-
29.0
33.0
67.8
#DIV/0!
31.3
30.0
#DIV/0!
39.8
30,832
7,727
25.00
25.00
2,756
11,900
1,071
7,378
6,306
1,072
20.00
23.87
23.87
-
50.9
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
50.9
39,054
26.4
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
39,054
39,054
OK
44,859
26.4
44,859
26.9
26.4
36,943
11,215
25.00
25.00
4,241
17,024
(1,071)
5,534
4,730
39,054
76
39,130
49.4
50.9
228.4
#DIV/0!
53.8
53.8
#DIV/0!
53.8
39,130
9,763
25.00
25.00
4,241
17,024
8,101
6,937
1,164
22.00
20.74
20.74
-
53.9
(100.0)
9.8
10.0
#DIV/0!
8.6
804
15.00
12.34
12.34
-
1,234
(155)
76
(0)
(36,943)
49
#DIV/0!
65
#DIV/0!
98
#DIV/0!
124
#DIV/0!
142
#DIV/0!
322
#DIV/0!
342
#DIV/0!
417
#DIV/0!
515
#DIV/0!
639
#DIV/0!
100.0
3,153.0
15.8
130.0
4,098.9
17.0
200.0
6,306.1
17.0
220.0
6,936.7
16.8
150.0
4,729.5
17.0
498.4
3,651.4
23.7
11,749.4
98,263
99,336
696.6
4,795.5
23.4
15,692.0
104,673
113,955
1,071.7
7,377.8
23.9
23,531.0
128,246
128,204
1,164.3
8,100.9
20.7
30,952.6
159,156
159,198
804.0
5,533.6
12.3
39,325.3
198,482
198,482
315.30
315.30
315.30
315.30
315.30
315.30
315.30
315.30
315.30
315.30
315.30
315.30
315.30
315.30
315.30
% Chg
FY12E
% Chg
3,153
15,000
3,153
3,153
58
24.6
167.0
(1.4)
(100.0)
70,368
44,244
20,114
77,122
-
24.1
62.5
#DIV/0!
#DIV/0!
323.8
#DIV/0!
106.3
22.6
35,726
247,575
14,920
262,495
24.2
250,728
24.3
22.2
21.1
3,989,795
1,497,159
37.52
21.6
21.3
15.0
10.0
15.4
23.0
23.0
10.0
23.2
22.2
10.0
22.5
305,477
21,336
284,141
1,191,682
2,222,152
31,266
2,190,886
3,719,311
52,602
3,666,709
12.0
10.0
12.2
24.0
22.5
10.0
22.7
22.0
10.0
22.2
5.0
8.0
40.3
25.0
29,486
334
4,107
94,653
128,581
5.0
7.0
28.8
20.0
18.7
141,903
11.8
33.5
29.1
143,698
32,432
55.0
2,486
4,655
1.4
104,125
4.3
9.1
5.0
19.3
#DIV/0!
36.4
23.0
5.0
13.5
#DIV/0!
2.5
21.7
(41.6)
48.9
10,241
0.37
4,730
89,155
18.7
(2.63)
1.1
22.6
4,399,141
OK
21.0
5.0
163.8
39.8
202,062
196,918
398,979
10.00
5.0
45.1
21.6
#DIV/0!
39.8
15.7
1,061.8
23.4
12.0
8.0
5.0
10.0
10.0
21.4
21.7
21.7
15.0
30.1
15.0
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
(100.0)
5.0
10.0
7.5
16.7
1.2
398,979
10.00
#DIV/0!
21.6
883,113
114,336
997,449
25.0
21,472
35,373
5,354
72,608
1,132,256
30.4%
15.7
100.0
21.6
2,767,779
2,767,779
58,967
1,387,166
1,321,645
21.9
21.9
15.0
29.7
15.0
#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!
23,153
24,648
47,801
10.56
21,989
46.0
25,813
5.0
10.0
7.5
10.0
8.0
5.0
10.0
10.0
20.0
12.4
3.7
832
18.0
15.0
2,425
1,593
832
17.0
13.0
1.7
26,645
4.2
#DIV/0!
6.1
8.0
18,116
1.60
2.85
17,633
#DIV/0!
1.0
8.0
10.0
10.0
#DIV/0!
#DIV/0!
8.5
99
37,634
73,482
5.0
10.0
#DIV/0!
#DIV/0!
7.2
22.6
4,399,141
21.0
OK
64.6
29.0
#DIV/0!
118.8
79.3
13.0
19.0
23.0
10.0
#DIV/0!
1,813,459
3,956
0
1,124,242
40.0
210,870
104,180
349,649
20,563
-
20.0
25.0
#DIV/0!
22.0
13.0
16.0
20.0
10.0
#DIV/0!
FY12E
26
335,486
24
25.5
25.8
0.37
23.7
0.09
50.9
0.14
20.0
335,486
262,141
10.44
69,841
6.73
2,909
0.80
595
24.5
24.7
0.25
23.3
0.15
29.2
25.0
28.1
28.6
210,848
196,849
5.82
7.89
1,768
27.1
27.9
167.3
22.2
13.8
1.50
12,231
9.10
16.2
21.6
124,639
3.19
20.2
3.1
22.0
(45.0)
(3.7)
43,004
24,627
4,639
24
4,092
0.40
272
17.0
20.0
5.0
35.4
5.0
#DIV/0!
15.0
(44.9)
22.3
16.2
17.4
15.0
#DIV/0!
15.0
14.5
18.0
5.0
13.0
25.4
5.0
20.0
12.0
20.0
13.0
25.0
25.0
9,350
4,664
11
5.0
378,490
167,643
24,172
40.1
67,210
43,038
23.6
19.4
43,038
731
3,841
524
508
2,427
16
565
214
1,516
1,003
3,590
9,969
15.4
100,432
119.2
#DIV/0!
42.8
183.6
1,000
#DIV/0!
#DIV/0!
(100.0)
#DIV/0!
16.4
5.0
#DIV/0!
10.0
16,032
1,615
#DIV/0!
20.2
19.9
#DIV/0!
19.9
19.0
25.0
5.0
12.0
(13.1)
5.0
20.0
15.0
25.0
15.0
30.0
30.0
18.8
(33.3)
#DIV/0!
6.6
5.2
17,032
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
3.0
15.1
83,400
22.7
15.6
28,773
34.50
34.50
24.5
14.9
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
54,627
21.8
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
14.9
54,627
21.8
(5.6)
14.9
40,456
13,657
25.00
25.00
4,241
17,024
5,534
4,730
9.5
21.8
#DIV/0!
(31.7)
(31.8)
#DIV/0!
(30.9)
804
15.00
10.13
10.13
-
(40,456)
173
#DIV/0!
795
#DIV/0!
150.0
4,729.5
17.0
(100.0)
#DIV/0!
-
804.0
5,533.6
10.1
49,093.5
247,575
247,575
315.30
315.30
315.30
Rs mn
Q1FY04
Q2FY04
Q3FY04
Q4FY04
Q1FY05
Q2FY05
Q3FY05
Q4FY05
Interest Earned
18,922.3
19,254.2
19,345.9
20,274.6
20,447.2
20,984.0
21,320.8
21,846.5
Interest Expended
10,643.5
10,214.7
10,579.9
10,111.8
11,091.2
11,288.5
11,025.7
11,125.7
8,278.7
9,039.5
8,766.0
10,162.8
9,356.0
9,695.5
10,295.1
10,720.8
Other Income
2,825.7
7,664.6
4,277.4
3,901.1
4,498.5
6,004.8
2,480.0
3,773.5
Total Income
21,747.9
26,918.8
23,623.3
24,175.7
24,945.7
26,988.8
23,800.8
25,620.0
11,104.4
16,704.1
13,043.4
14,063.9
13,854.5
15,700.3
12,775.1
14,494.3
Staff Expenses
2,603.0
3,848.8
4,068.4
4,869.6
4,985.3
6,260.8
5,472.4
6,224.3
2,546.5
1,705.2
1,856.2
2,209.5
1,719.3
1,962.6
1,857.7
3,000.2
Operating Profit
5,954.9
11,150.1
7,118.8
6,984.8
7,149.9
7,476.9
5,445.0
5,269.8
2,209.8
6,565.4
2,270.8
2,467.8
2,423.7
2,019.7
1,323.8
527.0
1,220.0
1,587.1
2,250.0
1,550.8
1,499.5
1,331.7
978.5
1,136.5
Reported Profit
2,525.1
2,997.6
2,598.0
2,966.2
3,226.7
4,125.5
3,142.7
3,606.3
2,525.1
2,997.6
2,598.0
2,966.2
3,226.7
4,125.5
3,142.7
3,606.3
Interest Earned
- Interest on advances
- Interest on investments
- Interest on RBI
- Others
YoY growth
QoQ growth
Interest expenses
- Interest on deposits
- Other interest
Interest expended/Interest earned
YoY growth
QoQ growth
NII growth YoY
NII growth QoQ
Other income YoY growth
Other income QoQ growth
Other income/Net income
Opex
Staff expenses
Other expenses
Cost-income ratio
YoY growth
QoQ growth
Effective tax rate
Advances
YoY growth
QoQ growth
Deposits
YoY growth
QoQ growth
C-D ratio
Borrowings/Debt
YoY growth
QoQ growth
Investments
YoY growth
QoQ growth
I-D ratio
Cash/Bank Balance
YoY growth
QoQ growth
Ratios
Average earning assets YoY
Average earning assets QoQ
NIM YoY
NIM QoQ
Reported
Yield on earning assets YoY
Yield on earning assets QoQ
Average YoY advances
Average QoQ advances
Interest on advances
Yield on advances (YoY)
Yield on advances (QoQ)
Average YoY investments
Average QoQ investments
Interest on investments
Yield on investments (YoY)
Yield on investments (QoQ)
Average YoY balances with RBI
Average QoQ balances with RBI
Interest on RBI/Other balances
Yield on RBI Balances (YoY)
Yield on RBI Balances (QoQ)
Average YoY deposits
Average YoY borrowings & Debt
Average QoQ deposits
Average QoQ borrowings & Debt
Average YoY interest bearing liabilities
Average QoQ interest bearing liabilities
Interest on funds
Avg YoY cost of funds
Avg QoQ cost of funds
Q1FY06
Q2FY06
Q3FY06
Q4FY06
Q1FY07
Q2FY07
Q3FY07
Q4FY07
Q1FY08
Q2FY08
22,899.8
23,705.1
24,547.5
24,689.1
26,304.5
26,882.4
28,715.7
31,944.0
32,860
34,630.6
12,016.1
11,797.1
12,473.5
12,887.2
13,476.0
14,015.1
15,024.3
17,713.7
19,850
21,716.1
10,883.7
11,908.0
12,074.0
11,801.9
12,828.5
12,867.3
13,691.4
14,230.3
13,010.3
12,914.5
2,528.1
3,123.3
2,445.2
4,215.0
2,927.5
3,709.5
3,997.9
5,183.9
5,090.8
4,678.3
25,427.9
26,828.4
26,992.7
28,904.1
29,232.0
30,591.9
32,713.6
37,127.9
37,951.2
39,308.9
13,411.8
15,031.3
14,519.2
16,016.9
15,756.0
16,576.8
17,689.3
19,414.2
18,101.1
17,592.8
4,998.0
5,812.2
6,813.7
3,525.8
4,792.4
5,108.2
5,812.5
7,811.4
6,410.8
6,418.0
1,968.7
2,382.8
2,221.9
2,508.4
2,176.4
2,471.9
2,310.2
2,779.3
2,359.0
2,625.0
6,445.1
6,836.3
5,483.6
9,982.7
8,787.2
8,996.7
9,566.6
8,823.5
9,331.3
8,549.8
1,161.8
94.0
1,032.2
6,111.4
3,652.0
1,126.9
3,576.9
6,126.9
3,072.1
778.6
1,701.7
2,521.9
747.0
984.6
1,460.0
2,819.9
1,691.0
319.6
2,008.5
2,386.4
3,581.6
4,220.4
3,704.4
2,886.7
3,675.2
5,049.9
4,298.7
2,377.0
4,250.7
5,384.8
3,581.6
4,220.4
3,704.4
2,886.7
3,675.2
5,049.9
4,298.7
2,377.0
4,250.7
5,384.8
10
Q3FY08
Q4FY08
1QFY09
2QFY09
3QFY09
4QFY09
1QFY10
2QFY10
3QFY10
36,361
38,798
41,385
46,504
52,947
52,426
52,074
54,072
55,056
22,117
23,625
26,937
29,382
33,274
33,360
33,456
33,123
31,764
14,244
15,173
14,448
17,122
19,674
19,065
18,618
20,949
23,291
4,834
5,372
4,561
6,628
9,452
8,556
9,702
6,686
7,310
41,196
44,170
45,946
53,132
62,399
60,981
61,776
60,759
62,366
19,078
20,545
19,009
23,750
29,126
27,621
28,320
27,636
30,601
6,575
5,212
6,442
6,898
7,890
8,014
9,076
7,276
8,327
2,590
3,066
2,742
3,174
3,176
3,726
3,550
4,297
4,092
9,914
12,268
9,824
13,678
18,059
15,882
15,693
16,063
18,182
1,576
1,677
2,105
3,177
1,813
2,678
3,018
2,160
2,819
2,923
5,154
2,595
3,430
6,188
4,548
4,355
4,634
5,250
5,415
5,438
5,124
7,071
10,058
8,656
8,321
9,270
10,113
21
31
86
59
5,415
5,438
5,103
7,040
9,972
8,597
8,321
9,270
10,113
128.8%
20.1%
30.7%
84.2%
58.1%
63.0%
31.7%
1.4%
0.4%
-6.1%
37.9%
41.7%
-13.8%
-3.2%
11.4%
9.1%
38798
28469
9758
332
239
41385
30154
10010
903
318
46504
35314
10284
681
225
#DIV/0!
12%
52947
40901
11590
346
111
#DIV/0!
14%
52426
40009
12216
93
107
35%
-1%
52074
40258
11323
452
41
26%
-1%
54072
41518
11936
501
117
16%
4%
55055
41937
12841
231
46
4%
2%
23,625
26,937
29,382
33,274
33,360
33,456
33,123
31,764
61%
65%
63%
#DIV/0!
9%
63%
#DIV/0!
13%
64%
41%
0%
64%
24%
0%
61%
13%
-1%
58%
-5%
-4%
7%
7%
11%
-5%
33%
19%
38%
15%
26%
-3%
29%
-2%
22%
13%
18%
11%
42%
45%
28%
96%
43%
32%
59%
-9%
31%
113%
13%
34%
1%
-31%
24%
-23%
9%
24%
11,739.4
54%
22%
43%
42%
6%
12,626.3
41%
29%
45%
37%
8%
11,572.7
5%
35%
42%
15%
-8%
12,419.3
6%
29%
41%
12%
7%
34%
34%
33%
34%
8,277.1
40%
#DIV/0!
#DIV/0!
48%
#DIV/0!
11%
42%
#DIV/0!
10%
11,066.2
20%
23%
38%
#DIV/0!
10%
49%
34%
33%
38%
1,195,016
9,184.6
1,144,300
10,071.8
1,304,320
1,415,045
8%
1,664,572
1,730,740
1,863,150
1,970,691
6%
1,547,030
32,760
55,800
68,680
1,579,790
1,635,590
1,704,270
29%
38%
25%
20%
9%
2%
4%
4%
2,097,600
92,000
118,630
31,230
2,189,600
2,308,230
2,339,460
26%
27%
24%
19%
6%
4%
5%
1%
70%
56,064
53,820
51,576
72%
49,331
-4%
539,917
188,307
563,401
194,763
586,884
201,219
610,368
74%
47,087
72%
57,634
71%
68,181
73%
78,728
-16%
7%
32%
60%
-5%
22%
18%
15%
633,852
669,700
705,548
741,396
17%
19%
20%
4%
4%
6%
5%
5%
31%
30%
31%
31%
32%
207,675
3%
214,131
219,282
224,434
21%
229,585
14%
13%
12%
11%
3%
2%
2%
2%
961,620
951,232
1,046,212
1,116,544
2,159,127
2,185,618
2,328,998
2,454,170
961,620
1,912,852
1,997,444
2,162,756
2,314,051
2,431,893
2,517,172
2,620,411
6.31%
6.08%
6.55%
7.05%
3.53%
3.41%
3.60%
3.80%
6.31%
3.02%
3.43%
3.64%
3.30%
3.06%
3.33%
3.56%
3.66
3.27
3.78
3.85
3.20
3.41
3.64
3.84
16.14%
17.40%
17.78%
18.97%
9.71%
9.53%
9.29%
8.97%
16.14%
8.65%
9.31%
9.79%
9.06%
8.57%
8.59%
8.40%
597508
572,150
652,160
707,523
1,371,023
1,362,045
1,469,955
1,559,658
597508
1,169,658
1,224,310
1,359,683
1,481,038
1,563,410
1,607,690
1,669,930
28469.0
30153.6
35314.2
40900.6
40009.4
40258.0
41518.2
41937.2
19.1%
21.1%
21.7%
23.1%
11.7%
11.8%
11.3%
10.8%
19.1%
10.3%
11.5%
12.0%
10.8%
10.3%
10.3%
10.0%
269959
281,700
293,442
305,184
586,884
616,550
646,216
675,882
269959
551,659
575,143
598,626
622,110
651,776
687,624
723,472
9758.3
10,010
10,284
11,590
12,216
11,323
11,936
12,841
14.5%
14.2%
14.0%
15.2%
8.3%
7.3%
7.4%
7.6%
14.5%
7.3%
7.2%
7.7%
7.9%
6.9%
6.9%
7.1%
94154
97,382
100,610
103,838
201,219
207,023
212,826
218,630
94154
191,535
197,991
204,447
210,903
216,707
221,858
227,009
331.8
903
681
346
93
452
501
231
1.4%
3.7%
2.7%
1.3%
0.2%
0.9%
0.9%
0.4%
1.4%
1.9%
1.4%
0.7%
0.2%
0.8%
0.9%
0.4%
832,286
865,370
931,575
985,345
1,881,086
1,960,170
2,085,690
2,155,075
28,032
26,910
25,788
24,666
51,576
55,727
59,878
64,030
832,286
1,697,656
1,796,945
1,916,920
2,034,145
2,143,600
2,248,915
2,323,845
28,032
54,942
52,698
50,453
48,209
52,360
62,907
73,454
860,318
892,280
957,363
1,010,011
1,932,662
2,015,897
2,145,568
2,219,105
860,318
1,752,598
1,849,643
1,967,374
2,082,354
2,195,960
2,311,822
2,397,299
23,625
26,937
29,382
33,274
33,360
33,456
33,123
31,764
11.0%
12.1%
12.3%
13.2%
6.9%
6.6%
6.2%
5.7%
11.0%
6.1%
6.4%
6.8%
6.4%
6.1%
5.7%
5.3%
65.1%
63.2%
62.8%
63.6%
64.2%
61.3%
57.7%
6.08%
6.55%
7.05%
3.53%
3.41%
3.60%
3.80%
Check NP
4QFY10
1QFY11
2QFY11
3QFY11
4QFY11
1QFY10
1QFY11
39,054
FY10E
56,076
59,744
64,253
69,391
76,124
24%
22%
214,669
31,097
35,095
39,002
43,210
48,543
26%
21%
129,440
24,980
24,648.7
25,250.9
26,181.2
27,581
22%
24%
85,229
8,532
8,246.4
8,692.2
9,356.9
10,450
27%
22%
35,653
64,608
67,990.5
72,945.0
78,748.4
86,573
25%
22%
250,322
33,511
32,895.1
33,943.0
35,538.1
38,031
23%
23%
120,882
6,532
8,804.1
8,876.7
9,160.0
9,050
4,469
3,904.9
5,156.0
4,992.2
5,953
20%
16,408
22,510
20,186
19,910
21,386
23,028
21%
24%
73,263
6,219
4,200.0
4,000.0
3,800.0
4,543
21%
25%
14,215
5,756
5,435.3
5,409.5
5,979.2
6,285
22%
24%
19,994
10,536
10,550.8
10,500.8
11,606.7
12,201
21%
24%
39,054
815
11,350
0
10,550.8
0
10,500.8
0
11,606.7
12,201
32.0%
26.8%
13.3%
14.8%
7.5%
12.2%
-7.0%
-0.5%
10.5%
5.1%
56076
43300
12277
308
192
7%
2%
59744
46260
13025
418
41
15%
7%
64253
49926
13703
506
117
19%
8%
69391
54157
14587
601
46
26%
8%
76124
59805
15320
727
272
36%
10%
31,097
35,095
39,002
43,210
59%
5%
13%
61%
18%
11%
62%
36%
11%
64%
56%
12%
31%
7%
32%
-1%
21%
2%
12%
4%
10%
5%
0%
17%
25%
-15%
-3%
25%
30%
5%
26%
28%
8%
26%
22%
12%
27%
11,000.9
-18%
20%
33%
-6%
-11%
12,709.0
-3%
10%
39%
1%
16%
14,032.8
22%
20%
41%
21%
10%
14,152.3
10%
22%
40%
14%
1%
15,002.5
39%
33%
39%
36%
6%
35%
34%
34%
34%
34%
161,740
45,536
83,874
100,832
1,911,546
1,995,420
2,096,252
173,762
2,270,014
21%
21%
22%
23%
22%
9%
2%
4%
5%
8%
153,939
90,329
139,983
153,824
2,493,399
2,583,728
2,723,711
2,877,536
21%
#DIV/0!
24%
39,054
Interest/Discount on Advance/Bills
Income on Investments
Interest on Balance with RBI & Others
Others
48,543
55%
-7%
-2%
1,866,010
#DIV/0!
170,247
3,047,783
19%
18%
18%
23%
22%
7%
4%
5%
6%
6%
Interest on Deposits
Interest on RBI/Inter-Bank Borrowings
Other Interest
75%
89,275
74%
94,704
73%
100,132
73%
105,561
74%
110,990
90%
64%
47%
34%
24%
13%
6%
6%
5%
5%
777,245
818,893
860,542
902,190
943,839
23%
22%
22%
22%
5%
5%
5%
5%
5%
31%
32%
32%
31%
31%
234,736
258,098
281,460
304,822
21%
328,184
10%
18%
25%
33%
40%
2%
10%
9%
8%
8%
2,636,502
2,728,655
2,851,496
2,989,258
3,210,014
2,776,621
2,933,264
3,062,979
3,220,343
3,422,650
3.79%
3.61%
3.54%
3.50%
3.44%
3.60%
3.36%
3.30%
3.25%
3.22%
0.79
0.15
3.99
8.51%
8.76%
9.01%
9.29%
9.49%
8.08%
8.15%
8.39%
8.62%
8.90%
1,706,520
1,745,668
1,815,505
1,900,261
2,068,012
1,785,140
1,888,778
1,953,483
2,045,836
2,183,133
43299.6
46260.2
49926.4
54157.4
59805.1
10.1%
10.6%
11.0%
11.4%
11.6%
9.7%
9.8%
10.2%
10.6%
11.0%
705,548
744,297
783,045
821,793
860,542
759,321
798,069
839,717
881,366
923,015
12,277
13025.2
13703.3
14586.8
15,320
7.0%
7.0%
7.0%
7.1%
7.1%
6.5%
6.5%
6.5%
6.6%
6.6%
224,434
238,690
252,947
267,203
281,460
232,160
246,417
269,779
293,141
316,503
308
417.7
505.9
601.2
727
0.5%
0.7%
0.8%
0.9%
1.0%
0.5%
0.7%
0.8%
0.8%
0.9%
2,295,500
2,386,664
2,515,971
2,608,498
2,770,591
68,181
76,169
84,157
92,144
100,132
2,416,430
2,538,564
2,653,720
2,800,624
2,962,659
84,002
91,989
97,418
102,847
108,275
2,363,680
2,462,833
2,600,127
2,700,642
2,870,723
2,500,431
2,630,553
2,751,138
2,903,470
3,070,935
31,097
35,095
39,002
43,210
48,543
5.3%
5.7%
6.0%
6.4%
6.8%
5.0%
5.3%
5.7%
6.0%
6.3%
55.5%
58.7%
60.7%
62.3%
63.8%
3.79%
3.61%
3.54%
3.50%
3.44%
44,859
FY11E
269,512
165,850
103,662
36,745
306,257
140,407
35,891
20,006
84,511
16,543
23,109
44,859
44,859
269512
210,149
56,635
2,252
476
165,850
153,882
1,447
10,521
62%
Demand
Savings
CASA growth
CASA as a % of total deposits
Term
Total deposit growth
Gross advances
Net Advances
Total business
CD ratio
Incremental CD ratio
FY05
124,666
353,411
19
46.3
% Chg
26
16
FY06
167,238
419,082
23
49.0
% Chg
34
19
FY07
164,657
480,886
10
46.2
553,592
1,031,669
16
17
610,529
1,196,849
10
16
753,053
1,398,597
23
17
948,964
1,664,572
640,347
604,128
24
28
775,555
746,274
21
24
992,616
965,965
28
29
1,220,671
1,195,016
1,635,796
59
86
21
1,943,123
62
86
19
2,364,562
69.1
109
22
2,859,588
71.8
86
Incremental borrowings
Incremental Deposits
Incremental gross advances
Incremental investments
165,180
135,208
(96,175)
126,147
Investments
ALM < 1 year
ALM < 1 year amount
ALM < 2 years
ALM < 2 year amount
ALM < 3 years
ALM < 3 year amount
Carry forward
CF yield
Incremental Yields
Incremental Investments
Total Invt @ new yields
Carry forward
New yield
CF yield
Income on invt (new)
Income on invt (CF)
Total
Yield on investments
CHECK
CHECK
506,728
7
29,488
3
10,209
3
8,462
373,096
8.56
Term Deposits
ALM < 1 year
ALM < 1 year amount
ALM < 2 years
ALM < 2 year amount
ALM < 3 years
ALM < 3 year amount
Carry forward
Demand deposits
Savings deposits
Yield on savings
553,592
25
118,984
25
100,693
25
89,252
167,005
124,666
353,411
2.80
CF yield
Incremental Cost
20
85,473
133,632
373,096
7.00
8.14
9,354
30,359
39,713
8.56
8.56
39,740
5.85
410,553
2
10,135
6
25,275
6
20,418
450,900
8.79
201,748
217,061
41,345
(56,659)
(19)
(96,175)
55,828
354,725
8.00
8.99
7,578
32,727
40,305
8.79
8.79
40,303
16
26
16
610,529
23
127,326
4
19,037
4
16,111
391,118
167,238
419,082
2.80
5.60
% Chg
(2)
15
451,898
7
28,739
6
30,404
6
25,275
326,135
7.63
265,976
228,055
88,019
(50,098)
10
41,345
84,418
367,481
7.00
8.57
4,909
30,939
35,847
8.31
7.63
32,882
10
34
19
753,053
25
152,632
4
22,144
4
19,037
416,716
164,657
480,886
2.80
5.93
FY08
177,912
537,697
11
43.0
539,917
12
54,228
8
32,844
8
40,538
324,288
7.28
88,019
127,610
412,307
7.00
7.36
7,421
28,692
36,113
7.28
7.28
36,113
23
(2)
15
948,964
31
233,447
22
134,316
22
121,790
263,500
177,912
537,697
2.80
7.62
Incremental deposits
Total deposits@ new yields
Carry forward
New yield
CF yield
expense on deposits (new)
Expense on deposits (CF)
Interest on savings
Total
Check
Cost of deposits
Check
Yield on term deposits
Check
Advances
ALM < 1 year
ALM < 1 year amount
ALM < 2 years
ALM < 2 year amount
ALM < 3 years
ALM < 3 year amount
Carry forward
CF yield
Incremental Advances
Total Advances@ new yields
New yield
CF yield
Income on Advances (new)
Income on Advances (CF)
Total
Check
Yield on Advances
Check
77,658
386,587
167,005
5.30
6.70
20,489
11,195
9,896
41,580
41,633
56,937
219,412
391,118
5.95
5.85
18,028
16,331
11,734
46,093
46,118
142,524
336,338
416,716
7.25
5.60
20,146
22,622
13,465
56,233
56,175
195,910
685,463
263,500
8.97
6.40
45,818
21,779
15,056
82,652
82,651
4.35
4.36
6.16
5.85
4.14
4.14
5.90
5.60
4.33
4.33
6.27
5.93
5.40
5.40
7.94
7.62
604,128
49
231,401
18
72,411
18
61,865
106,571
7.98
131,880
497,557
6.60
9.04
32,826
9,635
42,461
42,461
7.89
7.98
28
746,274
49
296,022
12
85,004
12
72,411
150,690
7.98
142,146
595,584
7.90
7.98
43,153
10,262
53,415
53,415
7.91
7.98
24
965,965
49
365,674
12
108,743
12
85,004
186,852
8.99
219,691
779,113
9.16
7.98
62,978
13,461
76,439
76,439
8.93
8.99
29
1,195,016
30
473,323
22
89,553
22
108,743
294,346
9.72
229,050
900,669
9.85
8.99
82,768
21,622
104,390
104,391
9.66
9.72
10,501
% Chg
8
12
924,920
% Chg
6
17
26
19
198,640
FY09
188,139
626,460
14
38.8
726,280
1,283,006
2,097,605
38,532
% Chg
26
25
35
26
1,018,500
FY10E
237,172
781,328
25.0
40.8
1,018,500
1,474,798
2,493,298
23
24
1,569,184
1,547,030
29
29
21
3,644,635
73.8
81
27
8,483
433,033
348,513
93,935
(932)
19
26
8
12
633,852
14
73,915
6
25,216
6
22,909
417,878
7.27
93,935
122,039
511,812
8.37
7.28
10,451
33,648
44,099
7.51
7.27
42,650
36,100
1,283,006
34
325,400
21
156,259
21
126,685
340,621
188,139
626,460
2.80
8.54
% Chg
15
23
FY12E
305,477
1,191,682
21.3
40.3
% Chg
12
24
15
19
FY11E
272,748
961,034
21.1
40.5
1,474,798
1,814,002
3,047,783
23
22
2,222,152
3,719,311
23
22
1,888,339
1,866,012
20
21
2,303,774
2,270,014
22
22
2,810,604
2,767,779
22
22
4,359,310
74.8
81
20
5,317,797
74.5
73
22
6,487,090
74.4
74
22
68,027
395,693
319,155
143,393
1,172
17
35
6
17
777,245
13
81,133
6
31,855
6
26,662
494,202
6.49
143,393
283,043
494,202
4.55
7.27
9,213
36,554
45,767
6.49
6.49
45,767
9,668
1,474,798
38
487,542
22
204,976
22
162,660
427,828
237,172
781,328
2.80
6.89
41,430
554,485
415,435
166,594
13,886
23
15
26
25
943,839
13
99,487
6
37,397
6
31,855
608,505
6.58
166,594
335,334
608,505
6.75
6.49
20,870
35,765
56,635
6.58
6.58
56,635
14,159
1,814,002
38
560,423
22
277,129
22
204,976
432,269
272,748
961,034
3.30
7.50
36,430
671,528
506,830
188,418
12,710
21
23
15
23
1,132,256
13
120,811
6
45,857
6
37,397
739,773
6.73
188,418
392,484
739,773
7.00
6.58
25,474
44,367
69,841
6.73
6.73
69,841
17,460
2,222,152
38
689,321
22
318,556
22
277,129
528,995
305,477
1,191,682
3.30
7.89
20
23
12
24
24
334,042
942,385
340,621
9.08
8.00
73,942
24,160
17,541
115,643
115,643
191,792
1,046,970
427,828
6.53
8.54
64,978
32,801
21,877
119,656
119,656
339,204
1,381,732
432,269
7.62
6.89
92,534
29,635
31,714
153,882
153,882
408,150
1,693,157
528,995
7.90
7.50
121,458
36,065
39,325
196,849
196,849
6.15
6.15
8.79
8.54
5.21
5.21
7.09
6.89
5.55
5.55
7.43
7.50
5.82
5.82
7.81
7.89
119,656.2
38,471
1,547,030
35
358,505
21
115,916
21
89,553
631,042
10.70
352,014
915,988
11.16
9.72
101,386
44,992
146,378
145,838
29
1,866,012
31
547,030
23
262,903
23
115,916
621,181
9.82
318,982
1,244,831
9.38
10.48
101,388
65,625
167,013
167,013
10.68
10.70
9.79
9.82
123,713
43,300
21
2,270,014
31
580,516
23
322,865
23
262,903
699,727
10.19
404,002
1,570,287
10.32
9.82
145,260
64,889
210,149
210,149
10.16
10.19
22
2,767,779
31
706,201
23
421,719
23
322,865
819,229
10.44
497,764
1,948,550
10.50
10.19
184,739
77,403
262,141
262,141
10.41
10.44
22
In Rs Mn
Equity Capital
Reserves & surplus
Deposits
Borrowings
Subordinated Debt
Other liabilities & provisions
Total Liabilities
Q1FY04
Q2FY04
Q3FY04
Q4FY04
879,164
801,850
945,890
879,164
419,270
401,970
518,710
421,255
472,247
Q1FY05
3.80
46200.0
2500.0
Provision Coverage %
EPS (Basic)
EPS (Diluted)
Return on assets (% Annualised)
Return on equity (% Annualised)
Interim dividend %
Restructured Accounts
A/cs slipped to NPA
Biggest a/c restructured
CAR (%)
Tier I (Rs mn)
Tier I
Tier II (Rs mn)
Tier II
Total Capital
RWA
Growth in Balance Sheet Size % y-o-y
Growth in Business Size % y-o-y
Growth in advances % y-o-y
Growth in deposits % y-o-y
Credit-Deposit Ratio %
#REF!
#REF!
#REF!
#REF!
0.0
#REF!
#REF!
#REF!
#REF!
50.1
#REF!
#REF!
#REF!
#REF!
54.8
#VALUE!
#VALUE!
#VALUE!
#VALUE!
53.7
#DIV/0!
#DIV/0!
#DIV/0!
(100.0)
#DIV/0!
85140.0
18.0
Investment Portfolio
HTM/SLR Ratio (%)
AFS (Rs)
HTM (Rs)
Held for trading (Rs)
Duration (AFS)
Portfolio Duration
Portfolio Immunity (%)
% in HTM (NDTL)
Gross Advances
Food Credit
Non-Food Gross Bank Credit
Agriculture & Allied
Industry
MSME
Large Industry
Retail Loans
Housing Mortgage Loans
Personal Loans
Educational Loans
Other Retails Loans
Commercial real estate
Others
Industry wise Deployment
Mining & Quarrying
Food Processing
Textiles
Chemical & Chemical products
Cement & Cement products
Basic Metal & Metal products
Iron & Steel
Engineering Products
Infrastructure
Power
Tel-Com
Industry (Small & Large)
Asset Quality Details
NPA as at the beginning
Recovery
Upgradation
W/O
Total Reduction
Fresh Addition
Gross NPAs
Provisions
Net NPAs
Q2FY05
Q3FY05
Q4FY05
Q1FY06
Q2FY06
Q3FY06
Q4FY06
3,153
3,153
3,153
3,153
Q1FY07
945,890
959,223
1,031,669
1,013,030
1,094,142
1,057,490
1,196,850
3,153
93,187
1,171,730
1,100,593
1,127,647
1,262,410
1,208,430
1,289,940
1,299,956
1,452,670
1,377,680
460,186
518,705
475,027
512,398
506,730
604,128
506,310
564,350
524,421
638,682
455,672
671,903
410,550
746,270
430,890
775,460
1,100,593
1,464,595
1,127,647
1,471,621
1,262,410
1,635,796
1,208,430
1,577,380
1,289,940
1,732,824
1,299,956
1,729,393
1,452,670
1,943,120
1,377,680
1,947,190
4.6
4.5
4.4
4.4
4.3
4.3
4.3
4.4
8.3
8.2
8.3
8.3
8.1
8.2
8.3
8.2
8.4
8.1
8.4
8.1
8.3
8.2
8.8
7.9
3.80
3.86
3.87
3.85
3.99
4.02
4.00
4.07
41548.0
41880.0
7.8
1370.0
0.3
37413.4
6.0
1189.7
0.2
35300.0
6.0
486.7
0.1
33586.0
5.1
2012.9
0.3
33180.0
4.8
1657.8
0.3
31382.9
4.1
2101.7
0.3
31620.0
4.0
2659.0
0.4
15.6
96.7
11.9
96.8
13.5
98.6
11.4
94.0
13.4
95.0
11.8
93.3
9.2
91.6
11.7
1.3
1.2
1.2
1.2
1.2
1.2
1.1
1.1
14.0
12.0
12.3
30.0
12.6
14.8
15.5
14.2
7.4
8.9
9.7
9.1
10.1
9.7
5.1
5.9
5.9
5.15
1.9
2.6
#DIV/0!
#DIV/0!
27.9
17.3
58.6
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
55.7
17.2
18.3
23.1
15.7
58.4
15.1
18.8
23.5
16.0
62.4
14.0
23.4
37.4
15.7
66.2
#DIV/0!
#DIV/0!
29.0
18.0
54.8
13.1
#DIV/0!
#DIV/0!
(1.2)
1.4
53.4
15.3
17.5
31.1
10.2
63.5
99281.5
19.1
99150.0
19.4
95964.0
103750.0
57236.0
478075.4
46.3
461536.5
45.6
502211.2
45.9
514363.1
48.6
586336.8
49.0
568992.1
48.6
97356.0
16.1
122060.0
21.6
134030.0
21.0
142290.0
21.2
177140.0
23.7
181720.0
23.4
19.0
19.4
124830.0
18.9
130310.0
18.9
145870.0
19.1
152950.0
19.1
264690.0
262260.0
46.5
288550.0
44.4
334100.0
44.2
340200.0
45.5
67070.0
73720.0
86120.0
84340.0
11.4
11.1
Q2FY07
3,153
98,217
1,284,150
Q3FY07
3,153
1,302,250
1,486,470
Q4FY07 1QFY08
2QFY08
3QFY08
3,153
101,202
1,398,597
3,153
105,427
1,426,090
3,153
110,797
1,499,800
1,624,225
1,544,608
4QFY08
3,153
1QFY09
1,526,217
3,153
120,030
1,664,572
3,153
1,730,740
1,733,132
1,796,880
1,990,204
1,936,328
449,300
823,400
876,490
451,898
992,616
489,420
956,400
501,260
1,014,940
51,590
1,015,342
539,920
1,195,016
604,210
1,144,300
1,486,470
2,107,550
2,178,740
1,624,225
2,391,213
1,544,608
2,382,490
1,733,132
2,514,740
1,796,880
2,541,559
1,990,204
2,859,588
2,064,580
2,875,040
4.4
4.4
4.5
5.5
5.6
5.6
5.66
9.0
9.4
9.2
10.2
10.2
10.6
6.9
10.44
5.9
5.3
10.7
6.5
3.86
4.21
4.07
3.59
3.49
3.66
3.66
3.27
30910.0
3.7
1453.7
0.2
32677.2
3.7
3650.9
0.4
33,907
3.4
7,256
0.8
37,090
3.8
9,260
1.0
47,166
4.6
18,663
1.86
42,506
4.1
13,394
1.33
33,193
2.7
7,538
0.6
32,647
2.8
7,148
0.6
95.3
16.0
88.8
13.6
78.6
7.5
75.0
13.5
60.4
17.1
68.5
17.2
77.3
78.1
1.2
1.1
1.0
1.0
16.1
1.2
1.2
1.1
20.2
1.0
18.2
12.7
12.9
12.3
12.4
12.6
14.0
13.5
13.0
9.6
8.9
9.5
9.0
8.9
3.1
3.4
3.1
4.5
4.1
22.5
19.6
20.4
19.0
71.8
33.7
20.7
19.6
21.4
66.1
15.2
21.6
28.9
17.4
64.1
(100.0)
26.0
30.4
23.1
67.3
11.8
23.1
33.0
16.9
71.0
12.1
22.4
23.3
21.7
67.1
16.6
19.3
23.3
16.8
67.7
#DIV/0!
16.7
15.8
17.2
66.5
4117.0
421.0
2.0
1009.0
2526.0
629233.5
49.0
615964.3
47.3
197940.0
24.0
194720.0
22.2
645,543
46.2
4264.0
322.0
3.0
4589.0
3503.0
44.2
43.9
504,262
171,394
675,656
44.3
220,350
23.0
241,000
23.7
172,640
17.0
188,340
15.8
188,930
16.5
36360.0
26690.0
9200.0
470.0
22120.0
20970.0
190.0
960.0
14240.0
4840.0
2410.0
1330.0
550.0
550.0
19080.0
9164.9
6575.1
2598.8
9915.1
1570.0
38800.0
28470.0
9760.0
570.0
23625.0
22150.0
250.0
1225.0
15175.0
5370.0
3250.0
710.0
560.0
850.0
20545.0
8277.1
5211.5
3065.6
12267.9
1676.7
41380.0
30150.0
10010.0
1220.0
26930.0
25190.0
390.0
1350.0
14450.0
4560.0
3160.0
130.0
590.0
680.0
19010.0
9180.0
8345.1
2930.0
5415.1
537,697
177,912
715,609
43.0
562,837
152,132
714,969
41.3
10591.2
5153.5
5437.7
9830.0
2110.0
1510.0
480.0
120.0
7720.0
2600.0
5120.0
165700.0
19.4
179925.0
15.7
366150.0
44.2
411982.3
36.0
96060.0
169904.2
11.6
14.8
166525.6
182307.7
2QFY09
3QFY09
4QFY09
1QFY10
3,153
3,153
3,153
1,863,150
1,970,691
2,097,600
2,189,600
2,208,010
2,315,665
2469190.0
2575060.0
1,304,320
63,243
1,415,045
633,850
1,547,030
652,990
1,579,790
2,208,010
3,167,470
2,317,210
3,385,736
2,469,190
3,644,630
2,575,060
3,769,390
6.2
5.5
11.7
7.1
8.7
3.8
6.6
6.2
11.9
11.3
3.9
3.2
3.5
287,360
2.4
5,447
0.4
32643.5
2.3
5523.1
0.4
98.1
1.3
2QFY10
3QFY10
2,308,230
2493399.0
18.7
1.4
18.9
1,704,270
10.2
1866010.0
20.4
4.2
20.6
3,943,820
4,043,730
11.0
4,359,409
19.4
5.9
5.4
10.5
6.7
8.4
3.4
5.6
5.1
10.8
6.4
8.4
3.6
5.2
5.7
11.9
7.2
9.1
3.8
4.9
4.4
10.2
6.6
7.8
4.0
3.6
27674.6
1.8
2638.5
0.2
28646.7
1.8
2971.9
0.2
26186.0
1.6
2326.6
0.1
83.1
31.9
90.5
89.6
1.7
1.4
26.4
1.4
23.8
1.4
1.5
40747.0
59715.0
83740.0
100500.0
13.9
9.4
60620.0
4.5
186560.0
1367710.0
27.4
26.0
28.5
24.2
70.0
YoY
2,339,460
11.5
702,670
1,635,590
5.7
29.0
33.2
39.4
29.1
71.8
14.0
138000.0
9.0
77700.0
5.1
215700.0
1536920.0
14.5
24.1
27.5
29.5
26.0
73.8
24.7
31.1
38.1
26.5
72.1
20.5%
31555.6
1.8
8119.0
0.48
32144.1
1.7
9816.9
0.53
22327.20
91.1
74.3
69.46
82.9% including w-offs
100462.0
13.6
125940.0
4QFY10
14.7
159610.0
9.4
90550.0
5.3
250160.0
1696810.0
(100.0)
24.5
25.4
23.9
70.9
120960.0
7754.3
6.5%
7000.0
105930.0
5468.0
14.6
14.2
9.3
9.2
5.3
5.0
19.4
20.4
18.7
72.8
(0.3)
(1.3)
(1.7)
(0.6)
(1.3)
0.8
1.9%
(0.12)
20.9%
0.05
(4.81)
6.5%
6.4%
6.4%
1233652.4
4427.0
238.0
3.0
2150.0
4427.0
49347.6
1419970.0
568830.0
154850.0
723,680
38.8
1233652.4
579290.0
157830.0
737,038
37.4
1283000.0
626460.0
188140.0
814,600
38.8
1419970.0
697,700
190,560
888,260
38.5
1414540.0
726280.0
198640.0
924920.0
39.5
781330.0
237170.0
1018553.5
40.9
191,820
14.7
194510.0
12.7
250120.0
32.8
421070.0
262650.0
158420.0
1406190.0
75.5
22.6
450500.0
45930.0
313310.0
1446190.0
73.4
22.9
450500.0
249960.0
200540.0
1562670.0
74.5
21.5
494870.0
240590.0
254280.0
1762140.0
76.3
21.4
461140.0
229020.0
232120.0
1803700.0
77.1
19.7
483220.0
217820.0
265400.0
1922970.0
77.1
19.4
8480.0
4570.0
1570.0
750.0
1590.0
9350.0
3850.0
1380.0
1220.0
2900.0
46500.0
35310.0
10280.0
910.0
29380.0
27620.0
400.0
1360.0
17120.0
6630.0
3080.0
720.0
830.0
2000.0
23750.0
10070.0
6900.0
3170.0
13680.0
3180.0
(130.0)
52950.0
40900.0
11590.0
460.0
33270.0
31600.0
90.0
1580.0
19680.0
9460.0
3370.0
3410.0
1100.0
1580.0
29140.0
11066.2
7890.1
3176.1
18073.8
1810.0
(3120.0)
3100.0
210.0
10500.0
3430.0
7070.0
3670.0
1260.0
16263.8
6180.0
10083.8
52430.0
40010.0
12220.0
200.0
33360.0
31220.0
320.0
1820.0
19070.0
8550.0
4170.0
2390.0
410.0
1580.0
27620.0
11739.5
8013.5
3726.0
15880.5
2678.2
13202.3
4547.6
8654.7
4894.0
52070.0
40260.0
11320.0
490.0
33450.0
31230.0
180.0
2040.0
18620.0
9700.0
4590.0
3580.0
610.0
920.0
28320.0
12630.0
9080.0
3550.0
15690.0
3020.0
(500.0)
54070.0
41520.0
11940.0
610.0
33120.0
30700.0
200.0
2220.0
20950.0
6690.0
3810.0
1500.0
550.0
830.0
27640.0
11570.0
7280.0
4290.0
16070.0
2160.0
830.0
2690.0
830.0
12670.0
4350.0
8320.0
1300.0
30.0
13910.0
4630.0
9280.0
(5430.0)
420.0
1330.0
(290.0)
207490.0
15.9
240570.0
238400.0
15.1
250090.0
15.3
272240.0
16.0
449180.0
34.4
507930.0
513330.0
32.5
537560.0
32.9
563420.0
33.1
248400.0
243510.0
251570.0
139280.0
5039.0
11970.0
(60.0)
490.0
1150.0
4620.0
1.0
(2620.0)
302070.0
16.2
25%
26%
25%
2.0
0.1
16820.0
10.7
15.7
14.9
14.8
310300.0
326540.0
19.2
704750.0
88.0
130770.0
559370.0
14610.0
2.6
4.8
741840.0
88.0
134660.0
588470.0
18710.0
2.7
4.8
189480.0
204660.0
237000.0
584520.0
89.0
131610.0
451600.0
1310.0
2.1
4.2
632430.0
87.6
637610.0
86.0
151950.0
483550.0
2110.0
2.6
4.7
652990.0
87.0
26.4
26.4
22.9
1317050.0
31880.0
1285170.0
207490.0
526780.0
189480.0
337300.0
159090.0
86500.0
9760.0
14210.0
48620.0
1562070.0
32270.0
1529800.0
240570.0
646650.0
237000.0
409650.0
159470.0
93070.0
10290.0
15590.0
40520.0
1673910.0
28140.0
1645770.0
250090.0
733810.0
310300.0
423510.0
170330.0
102060.0
9560.0
19020.0
39690.0
391810.0
483110.0
491540.0
1813330.0
32670.0
1780660.0
302070.0
887080.0
206590.0
680490.0
192140.0
106120.0
13940.0
22720.0
49360.0
152580.0
(832430.0)
6340.0
45990.0
57320.0
43040.0
12720.0
93960.0
84550.0
38150.0
142510.0
85610.0
3950.0
594100.0
7540.0
51000.0
43100.0
23530.0
7940.0
79830.0
71180.0
33040.0
188420.0
79370.0
48440.0
700380.0
10260.0
47650.0
52170.0
24800.0
16190.0
83800.0
73170.0
22400.0
215440.0
65880.0
69600.0
733810.0
10930.0
33240.0
60540.0
26570.0
11510.0
88970.0
78200.0
26440.0
232770.0
95090.0
51300.0
887080.0
33190.0
7970.0
3300.0
120.0
11390.0
9440.0
31240.0
25800.0
5440.0
33190.0
13690.0
4480.0
4660.0
22830.0
17310.0
27670.0
25040.0
2630.0
25070.0
4070.0
2520.0
950.0
7540.0
8590.0
26190.0
23860.0
2330.0
3.0
148209.0
2.4
780580.0
89.0
139730.0
610130.0
30720.0
2.3
4.7
32.9
326540.0
178740.0
27670.0
6000.0
2630.0
4830.0
13460.0
19850.0
34060.0
25070.0
9500.0
3280.0
8530.0
21310.0
28380.0
32140.0
22330.0
9810.0
3500.0
650.0
3700.0
7850.0
8530.0
1.8%
QoQ
6.6
9.5
6.4%
0.15
16%
8%
19%
10%
1.3
11260.0
2.6%
FY 95
FY 96
FY 95
FY 96
% Chg
FY 97
FY 97
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
13,420.7
3,505.7
6,075.7
3,839.3
308,064.1
32,703.3
94,346.8
181,014.1
3,448.6
3,899.1
21,599.3
TOTAL LIABILITIES
Rs mn
#DIV/0!
350,431.9
Cash & Bank Bals with RBI & Bals with Banks & Money
Rs mn
at Call & Short-Notice
Investments
Rs mn
Advances (Net of Specific Loan Loss Provns, Int in suspense
Rs mn & Bills Rediscounted)
Fixed Assets (incl Assets on Lease)
Rs mn
Other Assets
Rs mn
-
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
46,161.4
139,765.7
140,668.9
5,866.7
17,969.1
#DIV/0!
350,431.9
TALLY
TALLY
Rs mn
Difference
FY 95
#DIV/0!
#DIV/0!
TALLY
#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!
FY 96
-
% Chg
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
140,668.9
448,733.1
442,032.6
315,411.8
127,050.1
140,668.9
326,596.0
9,581.4
118,603.3
346,592.5
3,432.1
1,495.3
118,603.3
134,838.3
#DIV/0!
#DIV/0!
FY 97
1,752.9
4,790.7
154,032.1
155,756.3
157,705.9
23,080.7
69,882.9
70,334.5
70,334.5
Assets
Rs mn
Interest Earning Assets
Rs mn
Average Business
Rs mn
Average Retail Business
Rs mn
Borrowings
Rs mn
Subordinate Debt
Rs mn
INVESTMENTS (Adj for Reverse Repo held)
Rs mn
INVESTMENTS (Excl Divd Paying Investemnts & adjRsformn
Rev repo)
INVESTMENTS (Equities , Pref Shares, Units & Subsidiaries)
Rs mn
INVESTMENTS (Equities , Pref Shares, & Units) Rs mn
Net ADVANCES
Rs mn
Gross NPA
Rs mn
Net NPA
Rs mn
Investment Fluctuation Reserve
Rs mn
#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!
175,215.9
163,298.0
224,366.5
221,016.3
1,724.3
1,949.5
69,882.9
67,419.1
2,463.7
1,716.1
70,334.5
-
P&L Account
Interest Earned
Interest Expended
NET INTEREST INCOME
Non-Interest Income
of which Core Fee Incomes
of which Non-Core Fee Incomes
NET REVENUES (Total Optg Income)
Total Income
Employee Expenses
Non-Employee Expenses
Operating Profits
Provisions
Tax Provisions
Implied Tax Rate
Actual Profits
Other Non-Recurring items (-ve is gain)
Reported Net Profit
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
%
Rs mn
Rs mn
Rs mn
FY 95
#DIV/0!
-
FY 96
#DIV/0!
-
% Chg
#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!
FY 97
36,540.0
24,387.0
12,152.9
4,687.9
2,483.7
2,204.2
16,840.8
41,227.9
8,110.2
2,534.1
6,196.6
2,590.9
1,228.5
34.1
2,377.2
2,377.2
Reported PAT
Normalised
Non Core Profits
Marginal Tax Rate
Core Profits
Rs mn
Rs mn
Rs mn
%
Rs mn
46.0
-
Rs Mn
Rs Mn
Rs Mn
Rs Mn
%
Rs Mn
Rs Mn
Rs Mn
Rs Mn
%
%
%
Rs mn
Rs mn
Rs mn
#DIV/0!
2,377.1
2,377.2
349.3
35.0
2,150.1
#DIV/0!
#DIV/0!
2,590.9
227.0
FY 95
FY 96
% Chg
#DIV/0!
-
#DIV/0!
-
43.0
-
#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!
FY 97
#DIV/0!
-
#DIV/0!
#DIV/0!
-
Additions in Year
Rs mn
Add: Provisions Taken over from NBL on amalgamation
Rs mn
Less Deductions
Rs mn
Written Off
Rs mn
Recovered
Rs mn
Change
Rs mn
Change
(%)
#DIV/0!
-
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Rs mn
Net NPAs
Change
Change
Change as % of Net Adv
Net NPAs / Net Advances
Rs mn
Rs mn
(%)
(%)
%
Rs mn
Rs Mn
Rs Mn
Rs Mn
Rs Mn
Rs Mn
Restructured Advances
As % of Gross Advances
Troubled Assets
As % of Gross Advances
Rs Mn
%
Rs Mn
%
Cash Recoveries
Accounts Settled
Accounts Settled (Value)
Rs Mn
Nos
Rs Mn
Standard
Sub-Standard
Doubtful
Loss
Gross NPAs
Check - Difference
Rs Mn
Rs Mn
Rs Mn
Rs Mn
Rs Mn
Standard
Sub-Standard
Doubtful
Loss
%
%
%
%
%
%
%
%
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
15.2
15.5
22.4
6.9
#DIV/0!
66.7
%
%
Rs Mn
Rs Mn
%
%
#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!
22.4
21.8
27.8
15.5
7.4
6.9
Earnings Ratios
Core Earnings / Other Income
Core Earnings / Average Business
Core Earnings / Average Assets
%
%
%
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
45.9
1.0
1.2
#DIV/0!
#DIV/0!
#DIV/0!
13.1
9.6
741.8
Valuation
BV
Price / BV
Networth
Tax Neutral Adj NW
TN Adj BV
Price / Tax Neutral Adj BV
Tax Adjusted Adj NW
Tadj-Adj BV
Price / Tax Adj- Adj BV
Rs.
X
Rs Mn
Rs Mn
Rs.
X
Rs Mn
Rs.
X
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
27.3
9,581.4
9,581.4
27.3
9,581.4
27.3
-
Profitability
ROAE
ROAA
EPS (Wt Avg)
Core ROAE
Core ROAA
Core EPS (Wt Avg)
%
%
Rs
%
%
Rs
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
49.6
1.4
13.6
44.9
1.2
12.3
Rs.
Rs.
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
13.6
6.8
Capital Adequacy
Tier 1 Capital
Tier 2 Capital
Total Capital
Total Risk Weighted Assets & Contingents
RWA Factor
Capital Ratios
CAR
Of which Tier 1
Of which Tier 2
Rs mn
Rs mn
Rs mn
Rs mn
%
%
%
Rs
%
%
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
1.4
20.4
20.4
Efficiency Ratios
Optg Cost / Optg Income
Optg Cost / Total Income
%
%
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
63.21
25.82
%
%
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
6.07
6.52
Infratructure
Branches & Extn Counters
Rural
Semi-Urban
Urban
Metropolitan
Extn Counters
Currency Chests
Of which Fully Computerised
% Of which Fully Computerised
Of which Partly Computerised
% Of which Partly Computerised
Partly + Fully Computerised
% of Branches Computerised
Captures business worth x % of total
Geographical Reach (Cities)
Avg No of Branches
Anywhere Banking
Branches
Locations
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
%
Nos
%
Nos
%
%
Nos
Nos
Nos
Nos
Segmental Branches
Specialised Branches
Specialised Savings Branche
SSI Branches
NRI Branches
Overseas Branches
Hi-Tech Agri Branches
Indl Finance Branches
Asset Recvoery Branches
Capital market Branches
Stock Exchg Branches
Corproate Services Branches
Consumer Finance branches
Housing Finance Branch
Mahila Banking branch
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
ATMs
ATMs
No of On site ATMs
No of Off site ATMs
Locations
Online ATMs
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Nos
Proportion of Business
Branches
Non Branches (ATM, Phone, Net, Mobile)
Retail Accounts
%
%
Nos
Nos
#DIV/0!
Employees / Branch
Nos
Employee Ratios
Salary / Employee
Business / Employee
Net profit / Employee
Rs Mn
Rs Mn
Rs Mn
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Branch Ratio
Overheads / Branch
Employee / Branch
Business / Branch
Deposist / Branch
Rs Mn
Rs Mn
Rs Mn
Rs Mn
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Nos
Nos
Nos
Nos
Investment Portfolio
Gr Investments
Depr In the Value of Investments
Net BV
Investment Fluctuation Reserve
Coverage Ratio
DURATION
Unbooked Gains on Portfolio (AVS/HFT)
Breakup of MTM Portfolio
AFS (MTM)
HFT (MTM)
HTM (At cost)
Rs Mn
Rs Mn
Rs Mn
Rs Mn
%
Years
Rs Mn
%
%
%
%
#DIV/0!
#DIV/0!
139,765.7
-
Rs mn
Rs mn
Rs mn
43,799.1
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
%
Rs mn
%
Rs mn
%
Nos
Rs mn
Rs mn
Rs mn
#DIV/0!
Retail Business
No of Retail Accounts
Retail Assets
Housing Loans assets
Vehicle Loans assets
Credit Cards receivables
Retail Trade
Other Retail Assets
Disbursements in Year
Retail Asset Disbursements
Housing Loans Disbursements
Vehicle Loans Disbursements
'000s
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
Rs mn
%
%
%
%
Financing Structure
Leverage (x)
Low Cost Deps / Ext Funds(%)
Advances / Deposit Ratio
Incremental Credit / Deposit
Gorss Advances / Funding Ratio
Incremental Credit / Funding
Effective SLR
Effective CRR
X
%
%
%
%
%
%
%
#DIV/0!
#DIV/0!
#DIV/0!
%
%
%
%
%
%
%
%
%
%
%
%
%
%
%
%
%
#DIV/0!
31.1
#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!
65.84
40.3
45.7
45.7
44.6
44.6
37.6
14.6
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
40.1
39.9
13.2
6.8
#DIV/0!
%
%
%
%
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
27.84
52.98
6.07
1.42
Profitability Ratios
RoAA(%)
RoANW(%)
Core RoAA (%)
Core RoANW (%)
%
%
%
%
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
1.4
49.6
1.2
44.9
Efficiency Ratios
Businee / Employee (Rs Mn)
Net Profit / Employee (Rs Mn)
Rs Mn
Rs Mn
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Growth Rates
Gr in Deposits (%)
Gr in Net Advances(%)
%
%
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Asset Quality
Gross NPL Ratio (%)
Net NPL Ratio (%)
Covg Ratio (incl Gen Provn)(%)
Net NPA (as % to NW)
%
%
%
%
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
-
Financing Structure
Leverage (x)
Low Cost Deps / Ext Funds(%)
Advances / Deposit Ratio
Incremental Credit / Deposit
Effective SLR
Effective CRR
X
%
%
%
%
%
#DIV/0!
#DIV/0!
#DIV/0!
#VALUE!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
23.5
40.3
45.7
45.7
37.6
14.6
Rs
%
Rs
Rs
Rs
Rs
%
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
13.6
#DIV/0!
12.3
27.3
27.3
1.4
20.4
Credit Cards
Total Cards in Circulation
Propreitary Cancards in Circulation
Visa Card
Visa Intl Card
Master Card
Member Establishments
Card Turnover
Volume under Propreitary Cancards
Volume under Cancards Visa Card
Volume under Cancards Visa Intl Card
Volume under Cancards Master Card
Banks tied up for Issuances of Cards
Nos
Nos
Nos
Nos
Nos
Nos
Rs Mn
Rs Mn
Rs Mn
Rs Mn
Rs Mn
Nos
Nos
Nos
Rs Mn
Rs Mn
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
% Chg
FY 98
% Chg
FY 99
% Chg
FY 00
% Chg
FY 01
% Chg
% Chg
FY 98
% Chg
FY 99
% Chg
FY 00
% Chg
FY 01
% Chg
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
16,541.4
2,122.4
10,663.7
3,755.3
351,735.6
37,717.9
115,648.3
198,369.4
2,648.2
3,899.1
23,234.1
23.3
(39.5)
75.5
(2.2)
14.2
15.3
22.6
9.6
(23.2)
7.6
19,297.5
2,122.4
13,537.5
3,637.7
407,771.3
48,461.5
136,790.5
222,519.3
1,974.9
7,897.7
26,293.4
16.7
26.9
(3.1)
15.9
28.5
18.3
12.2
(25.4)
102.6
13.2
22,725.9
2,122.4
17,051.3
3,552.2
474,832.3
54,370.0
158,754.1
261,708.2
6,624.3
8,497.7
28,605.6
17.8
26.0
(2.3)
16.4
12.2
16.1
17.6
235.4
7.6
8.8
26,692.0
2,122.4
21,102.9
3,466.7
561,311.3
63,113.9
185,300.6
312,896.8
6,732.0
8,898.5
31,417.4
17.5
23.8
(2.4)
18.2
16.1
16.7
19.6
1.6
4.7
9.8
#DIV/0!
398,058.3
13.6
463,234.8
16.4
541,285.7
16.8
635,051.1
17.3
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
54,979.2
159,077.3
160,426.4
5,952.6
17,622.9
19.1
13.8
14.0
1.5
(1.9)
58,394.8
185,731.6
190,473.7
6,171.0
22,463.7
6.2
16.8
18.7
3.7
27.5
62,299.8
220,990.7
225,717.2
6,805.3
25,472.8
6.7
19.0
18.5
10.3
13.4
60,692.1
251,284.2
280,290.5
7,239.2
35,544.8
(2.6)
13.7
24.2
6.4
39.5
#DIV/0!
398,058.3
13.6
463,234.8
16.4
541,285.7
16.8
635,050.8
17.3
TALLY
#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!
% Chg
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
170,820.8
522,556.3
514,549.1
358,282.8
153,366.1
157,947.2
372,003.6
12,786.2
131,473.1
394,303.1
2,534.5
1,889.8
131,473.1
154,653.0
TALLY
#DIV/0!
21.4
16.5
16.4
13.6
20.7
12.3
13.9
33.4
10.9
13.8
(26.2)
26.4
10.9
14.7
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
FY 98
2,814.1
11,183.8
329,899.9
332,948.2
336,847.3
50,570.3
149,421.5
155,744.8
149,308.0
% Chg
60.5
133.4
114.2
113.8
113.6
119.1
113.8
121.4
112.3
#DIV/0!
201,729.1
609,500.4
599,841.1
417,643.8
185,252.0
174,694.6
418,821.0
15,659.9
151,536.0
459,597.1
4,852.6
2,271.9
151,536.0
178,607.2
TALLY
#DIV/0!
18.1
16.6
16.6
16.6
20.8
10.6
12.6
22.5
15.3
16.6
91.5
20.2
15.3
15.5
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
FY 99
2,122.4
14,223.0
379,753.4
382,064.9
387,963.3
56,687.0
172,404.5
186,274.9
166,320.9
% Chg
(24.6)
27.2
15.1
14.8
15.2
12.1
15.4
19.6
11.4
#DIV/0!
237,815.4
712,647.6
701,351.2
489,954.3
213,124.1
208,020.6
491,311.1
19,173.7
187,136.8
537,733.6
4,716.8
2,542.5
187,136.8
213,731.4
TALLY
#DIV/0!
17.9
16.9
16.9
17.3
15.0
19.1
17.3
22.4
23.5
17.0
(2.8)
11.9
23.5
19.7
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
FY 00
2,122.4
17,416.8
441,301.8
445,601.4
453,799.1
60,347.3
203,361.2
219,772.3
191,357.6
% Chg
22.5
16.2
16.6
17.0
6.5
18.0
18.0
15.1
#DIV/0!
296,180.4
857,491.7
843,590.6
576,941.7
248,414.5
263,246.1
575,222.4
23,225.3
209,379.7
631,584.4
5,042.5
2,130.9
209,379.7
244,110.8
#DIV/0!
24.5
20.3
20.3
17.8
16.6
26.5
17.1
21.1
11.9
17.5
6.9
(16.2)
11.9
14.2
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
FY 01
2,122.4
21,199.5
518,071.8
524,749.9
533,448.0
61,495.9
236,137.5
266,997.9
235,633.3
% Chg
21.7
17.4
17.8
17.6
1.9
16.1
21.5
23.1
#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!
374,245.1
349,299.8
485,644.7
478,290.9
3,048.4
3,899.1
149,421.5
144,745.7
4,675.9
2,983.3
150,547.7
12,873.6
7,676.4
-
113.6
113.9
116.5
116.4
76.8
100.0
113.8
114.7
89.8
73.8
114.0
#DIV/0!
#DIV/0!
#DIV/0!
430,646.6
395,412.3
566,028.4
557,195.1
2,311.5
5,898.4
172,404.5
166,630.1
5,774.3
3,693.5
175,450.0
27,034.5
16,209.6
654.8
15.1
13.2
16.6
16.5
(24.2)
51.3
15.4
15.1
23.5
23.8
16.5
110.0
111.2
#DIV/0!
502,260.3
455,066.1
661,074.0
650,596.1
4,299.6
8,197.7
203,361.2
196,169.3
7,191.9
4,784.7
208,095.4
29,794.8
18,118.0
1,327.5
% Chg
#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!
FY 98
39,922.4
26,990.8
12,931.7
6,365.8
2,802.3
3,563.5
19,297.5
46,288.2
8,714.4
2,571.9
8,011.2
475.6
2,762.0
36.7
4,773.6
4,773.6
% Chg
9.3
10.7
6.4
35.8
12.8
61.7
14.6
12.3
7.5
1.5
29.3
(81.6)
124.8
FY 99
44,479.6
27,953.6
16,526.0
5,446.9
3,283.2
2,163.7
21,972.9
49,926.5
10,689.3
3,070.9
8,212.7
2,902.8
1,588.7
29.9
3,721.2
3,721.2
% Chg
11.4
3.6
27.8
(14.4)
17.2
(39.3)
13.9
7.9
22.7
19.4
2.5
510.3
(42.5)
FY 00
51,545.5
35,382.0
16,163.5
7,276.6
3,817.1
3,459.4
23,440.1
58,822.1
11,836.7
3,401.8
8,201.6
2,880.2
1,240.0
23.3
4,081.4
4,081.4
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
100.8
#DIV/0!
100.8
100.8
100.8
581.4
#DIV/0!
4,773.5
4,773.6
2,379.9
35.0
3,226.7
#DIV/0!
#DIV/0!
475.6
1,546.9
% Chg
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
FY 98
#DIV/0!
25,747.2
25,747.2
#DIV/0!
15.1
#DIV/0!
10,394.4
(22.0)
#DIV/0!
(22.0)
(22.0)
(22.0)
(66.7)
50.1
3,721.2
3,721.2
792.1
35.0
3,206.3
(81.6)
581.4
2,902.8
514.9
% Chg
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
FY 99
#DIV/0!
28,321.9
2,574.7
10.0
14.0
#DIV/0!
11,255.5
16.6
15.1
16.8
16.8
86.0
39.0
18.0
17.7
24.5
29.5
18.6
10.2
11.8
102.7
% Chg
15.9
26.6
(2.2)
33.6
16.3
59.9
6.7
17.8
10.7
10.8
(0.1)
(0.8)
(21.9)
9.7
#DIV/0!
9.7
9.7
9.7
172.2
(0.6)
4,081.4
4,081.4
2,155.9
38.5
2,755.5
510.3
(66.7)
2,880.2
1,325.9
588,168.3
533,266.7
785,069.7
772,470.9
6,678.1
8,698.1
236,137.5
228,921.1
7,216.4
4,879.7
253,003.9
32,934.4
18,940.3
1,345.4
FY 01
58,634.8
38,250.5
20,384.3
7,784.2
4,193.5
3,590.8
28,168.5
66,419.0
12,326.4
4,125.6
11,716.5
3,707.4
1,108.3
13.8
6,900.8
(2,264.4)
4,636.4
102.1
(0.8)
157.5
3,707.4
1,332.4
28.7
0.5
% Chg
FY 01
10.0
#DIV/0!
#DIV/0!
66.1
31,267.7
28,321.9
8,681.9
10.4
#DIV/0!
#DIV/0!
61.4
34,601.0
31,267.7
8,645.6
8.3
#DIV/0!
#DIV/0!
2,945.8
10.4
13.1
12,098.2
69.1
#DIV/0!
13.6
(14.1)
FY 00
5,736.1
5,736.1
% Chg
13.8
8.1
26.1
7.0
9.9
3.8
20.2
12.9
4.1
21.3
42.9
28.7
(10.6)
4,636.4
6,900.8
2,166.5
38.5
5,568.4
% Chg
#DIV/0!
#DIV/0!
#DIV/0!
(90.0)
17.1
17.2
18.8
18.7
55.3
6.1
16.1
16.7
0.3
2.0
21.6
10.5
4.5
1.4
#DIV/0!
#DIV/0!
#DIV/0!
14.4
7.5
#DIV/0!
#DIV/0!
2.9
5,312.3
5,312.3
3,333.3
10.7
11.7
11,911.7
12,098.2
13.6
69.1
0.5
% Chg
10.7
10.4
(0.4)
(7.4)
(7.4)
#DIV/0!
13.2
(1.5)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
-
10,394.4
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
15,352.8
15,352.8
#DIV/0!
#DIV/0!
9.6
10,394.4
10,394.4
#DIV/0!
#DIV/0!
40.4
40.4
15,352.8
15,352.8
9.6
85.4
#DIV/0!
#DIV/0!
#DIV/0!
17,066.4
1,713.6
11.2
0.0
9.0
11,255.5
11,255.5
#DIV/0!
#DIV/0!
39.7
39.7
17,066.4
17,066.4
9.0
8.3
7.7
8.0
11.4
3.4
67.6
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(7.5)
(7.5)
(10.9)
(3.5)
842.7
7.5
11.2
(88.8)
19,169.5
2,103.1
12.3
0.0
8.5
12,098.2
515.0
515.0
12,613.2
11.2
11.2
38.7
40.3
19,169.5
18,654.5
8.3
8.2
7.0
7.2
11.2
4.0
62.8
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(0.7)
(0.8)
(0.2)
0.6
12.3
22.7
(186.5)
(1.5)
3,978.2
18,711.1
(458.4)
(2.4)
(0.0)
6.7
7.5
#DIV/0!
#DIV/0!
#DIV/0!
12.1
15,889.9
662.0
662.0
16,551.9
12.3
9.3
45.9
47.8
18,711.1
18,049.1
6.4
5.7
10.4
7.6
7.8
11.3
3.5
68.6
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.6
0.6
0.1
(0.5)
#DIV/0!
#DIV/0!
#DIV/0!
(122.1)
#DIV/0!
(2.4)
(121.8)
31.3
28.5
#DIV/0!
28.5
31.2
(2.4)
(3.2)
#DIV/0!
34,601.0
11.7
#DIV/0!
#DIV/0!
#DIV/0!
(31,267.7)
65.0
#DIV/0!
#DIV/0!
31,267.7
13.1
#DIV/0!
#DIV/0!
#DIV/0!
(28,321.9)
#DIV/0!
#DIV/0!
#DIV/0!
(2.1)
3,258.0
#DIV/0!
8.3
#DIV/0!
#DIV/0!
#DIV/0!
8.3
10.0
#DIV/0!
#DIV/0!
#DIV/0!
28,321.9
14.0
#DIV/0!
#DIV/0!
#DIV/0!
(25,747.2)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(91.7)
1,974.6
#DIV/0!
#DIV/0!
25,747.2
15.1
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
861.1
8.3
#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!
10.7
#DIV/0!
#DIV/0!
#DIV/0!
(34,601.0)
7.0
7.2
11.0
3.8
65.2
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(0.7)
(0.6)
(0.3)
0.3
11.4
12.2
13.1
8.0
3.7
3.4
11.2
11.5
13.1
7.2
4.2
4.0
11.3
11.9
13.1
7.8
3.6
3.5
11.0
11.6
12.0
7.2
3.8
3.8
50.7
0.7
0.9
58.9
0.6
0.7
37.9
0.4
0.5
71.5
0.7
0.9
18.5
32.4
20.0
9.8
13.8
366.4
14.8
32.5
133.6
12.7
19.3
171.1
90.3
19,173.7
4.2
0.0
7,384.4
34.8
-
109.4
23,225.3
4,514.2
21.3
11,718.0
55.2
-
60.2
12,786.2
(2,566.6)
(12.1)
2,806.8
13.2
-
73.8
15,659.9
(1,406.6)
(6.6)
4,566.7
21.5
-
42.7
1.3
17.0
28.9
0.9
11.5
26.2
0.9
17.5
22.5
0.7
15.1
23.4
0.8
19.2
15.8
0.5
13.0
32.6
1.2
32.5
26.3
0.9
26.2
17.0
22.5
17.5
17.5
19.2
19.2
32.5
32.5
10.3
10.3
-
10.2
6.8
3.4
2.0
8.9
8.9
2.0
11.4
11.4
2.4
13.9
12.3
2.5
8.5
7.7
58.49
24.38
62.62
27.56
65.01
25.91
58.41
24.77
3.02
3.23
3.20
3.48
3.03
3.35
2.80
3.09
4,236.0
4,281.0
#DIV/0!
#DIV/0!
#DIV/0!
4,236.0
4,258.5
64,733.0
58,309.0
64,733.0
61,521.0
#DIV/0!
15.3
13.6
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.18
11.01
0.06
0.20
13.94
0.11
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
159,077.3
-
185,731.6
1,309.5
0.7
0.80
15.28
168.24
112.09
0.97
13.62
200.30
131.12
220,990.7
1,345.4
0.6
251,284.2
1,345.4
0.5
52,753.5
65,950.5
83,232.3
108,567.4
65,950.5
83,232.3
108,567.4
32.9
34.6
36.9
38.7
32.04
42.8
45.6
45.2
47.7
70.3
36.7
15.3
29.36
44.4
46.7
53.6
48.3
52.1
36.3
14.0
28.13
43.5
47.5
52.6
48.5
49.9
38.2
12.7
27.21
43.1
49.9
63.1
51.3
67.1
36.3
10.5
40.3
40.0
13.8
5.9
41.1
40.1
12.6
6.2
41.7
40.8
11.5
6.0
44.1
39.6
9.6
6.7
32.99
44.02
3.02
0.75
24.79
60.28
3.20
0.76
31.04
52.46
3.03
0.76
27.63
53.87
2.80
0.71
1.3
42.7
0.9
28.9
0.9
26.2
0.7
22.5
0.8
23.4
0.5
15.8
1.2
32.6
0.9
26.3
11.0
0.1
13.9
0.1
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
14.2
14.0
15.9
18.7
16.4
18.5
18.2
24.2
15.1
9.6
40.4
120.1
14.0
9.0
39.7
109.0
13.1
8.5
40.3
100.0
11.7
6.7
47.8
80.6
21.7
42.8
45.6
45.2
36.7
15.3
21.6
44.4
46.7
53.6
36.3
14.0
21.6
43.5
47.5
52.6
38.2
12.7
21.6
43.1
49.9
63.1
36.3
10.5
17.0
25.1
11.5
60.2
13.2
2.0
8.9
17.5
3.4
15.1
73.8
21.5
2.0
11.4
19.2
9.7
13.0
90.3
34.8
2.4
12.3
32.5
69.1
26.2
109.4
55.2
2.5
7.7
FY 02
% Chg
FY 03
% Chg
FY 04
% Chg
FY 05
% Chg
FY 06
FY 02
% Chg
FY 03
% Chg
FY 04
% Chg
FY 05
% Chg
FY 06
32,161.9
2,122.4
26,658.2
3,381.3
641,234.8
67,584.1
216,642.1
357,008.6
4,085.7
11,798.6
39,865.6
20.5
26.3
(2.5)
14.2
7.1
16.9
14.1
(39.3)
32.6
26.9
40,329.9
2,653.0
34,381.1
3,295.8
758,135.0
98,882.9
256,479.0
402,773.2
6,621.6
15,928.6
41,202.9
25.4
25.0
29.0
(2.5)
18.2
46.3
18.4
12.8
62.1
35.0
3.4
729,146.6
14.8
862,218.0
18.3
63,983.3
282,071.7
343,694.2
7,584.7
31,812.8
5.4
12.3
22.6
4.8
(10.5)
80,771.9
340,300.5
402,281.2
8,847.0
30,017.5
26.2
20.6
17.0
16.6
(5.6)
729,146.6
14.8
862,218.0
18.3
TALLY
366,992.7
1,008,227.4
993,953.3
657,119.1
284,226.1
328,992.9
675,047.9
28,780.6
217,636.8
725,765.4
8,385.2
2,119.8
217,636.8
271,566.8
TALLY
#DIV/0!
23.9
17.6
17.8
13.9
14.4
25.0
17.4
23.9
3.9
14.9
66.3
(0.5)
3.9
11.2
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
FY 02
2,122.4
26,003.0
601,273.0
606,681.9
617,030.4
62,337.7
266,678.0
331,586.5
296,119.5
% Chg
22.7
16.1
15.6
15.7
1.4
12.9
24.2
25.7
#DIV/0!
436,812.7
1,194,947.7
1,188,439.7
780,685.3
355,361.8
391,213.1
812,285.5
37,034.1
277,466.9
858,922.2
5,957.8
2,197.7
277,466.9
332,144.9
24.3
28.7
(2.6)
16.0
0.1
18.6
18.2
94.7
48.0
39.7
81,613.0
3,153.0
75,335.0
3,124.9
1,031,668.9
124,665.7
353,411.3
553,591.9
27,182.9
23,428.6
98,519.4
62.8
18.8
70.2
(2.7)
17.3
25.9
16.2
16.3
110.9
(0.6)
71.1
93,763.6
3,153.0
87,586.8
3,023.8
1,196,849.2
167,237.7
419,082.1
610,529.3
66,871.8
19,350.0
75,839.3
1,023,317.4
18.7
1,262,412.8
23.4
1,452,673.9
88,205.1
421,254.9
472,247.2
8,998.4
32,611.8
9.2
23.8
17.4
1.7
8.6
110,890.3
506,728.3
604,127.5
9,652.3
31,014.4
1,023,317.4
18.7
1,262,412.8
TALLY
#DIV/0!
19.0
18.5
19.6
18.8
25.0
18.9
20.3
28.7
27.5
18.3
(28.9)
3.7
27.5
22.3
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
FY 03
2,387.7
32,907.4
699,684.9
705,038.6
718,902.2
72,377.6
311,186.1
401,902.7
360,103.0
% Chg
12.5
26.6
16.4
16.2
16.5
16.1
16.7
21.2
21.6
#DIV/0!
50,118.1
2,653.0
44,254.7
3,210.4
879,164.0
99,003.9
304,226.1
475,934.0
12,890.6
23,578.6
57,566.2
514,458.9
1,393,622.9
1,385,012.8
915,633.2
403,229.9
466,207.9
975,668.0
46,907.7
354,120.0
1,020,107.0
7,319.0
2,059.5
354,120.0
411,876.4
23.4
TALLY
#DIV/0!
17.8
16.6
16.5
17.3
13.5
19.2
20.1
26.7
27.6
18.8
22.8
(6.3)
27.6
24.0
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
FY 04
2,653.0
41,970.9
818,649.5
828,405.6
848,159.2
84,488.5
380,777.7
475,635.8
428,710.5
% Chg
11.1
27.5
17.0
17.5
18.0
16.7
22.4
18.3
19.1
#DIV/0!
25.7
20.3
27.9
7.3
(4.9)
640,346.5
1,672,015.4
1,651,146.4
1,082,280.4
478,076.9
598,289.2
1,215,907.7
78,488.1
434,056.9
1,259,287.9
9,001.5
3,150.4
434,056.9
494,576.4
1,452,673.9
TALLY
#DIV/0!
24.5
20.0
19.2
18.2
18.6
28.3
24.6
67.3
22.6
23.4
23.0
53.0
22.6
20.1
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
FY 05
2,903.0
62,697.9
955,416.4
975,453.2
998,956.8
99,547.7
463,991.6
577,402.7
532,248.6
% Chg
9.4
49.4
16.7
17.8
17.8
17.8
21.9
21.4
24.2
#DIV/0!
247,916.9
410,553.1
746,273.7
10,302.3
37,627.9
775,554.9
1,972,404.1
1,950,196.7
1,283,071.0
586,319.9
741,156.8
1,399,626.8
90,739.8
346,409.9
1,449,650.0
8,967.1
5,344.6
346,409.9
396,241.4
#DIV/0!
#DIV/0!
FY 06
3,153.0
84,613.9
1,114,259.0
1,161,286.4
1,182,675.7
179,403.6
458,640.7
707,950.7
669,723.0
682,098.7
625,135.1
932,859.6
918,771.9
5,408.8
10,348.6
266,678.0
257,838.8
8,839.2
6,713.9
311,992.3
37,999.8
18,405.6
2,223.4
FY 02
66,478.7
43,525.8
22,952.9
9,777.2
4,339.9
5,437.2
32,730.1
76,255.9
12,012.9
4,828.9
15,888.3
7,123.7
1,990.4
22.7
6,774.2
(1,150.3)
5,623.9
5,623.9
6,774.2
3,801.0
36.8
4,370.1
7,123.7
2,404.1
FY 02
42.4
41,398.6
34,601.0
11,796.6
3.21
4,999.0
4,999.0
6,797.6
19.6
11.3
(5.7)
18,992.7
11,911.7
2,400.0
16.0
17.2
18.8
18.9
(19.0)
19.0
12.9
12.6
22.5
37.6
23.3
15.4
(2.8)
65.3
% Chg
13.4
13.8
12.6
25.6
3.5
51.4
16.2
14.8
(2.5)
17.0
35.6
92.1
79.6
(1.8)
(49.2)
21.3
21.3
(1.8)
75.4
795,682.3
743,666.7
1,101,587.5
1,091,196.5
5,353.7
13,863.6
311,186.1
301,855.9
9,330.2
7,171.5
372,987.7
45,599.6
16,684.6
4,051.3
FY 03
74,850.1
43,612.9
31,237.1
12,503.1
4,800.1
7,703.0
43,740.3
87,353.2
13,610.8
5,806.5
24,322.9
11,337.0
3,413.9
26.3
9,572.0
(1,150.0)
8,422.0
16.7
19.0
18.1
18.8
(1.0)
34.0
16.7
17.1
5.6
6.8
19.6
20.0
(9.4)
82.2
% Chg
12.6
0.2
36.1
27.9
10.6
41.7
33.6
14.6
13.3
20.2
53.1
59.1
71.5
41.3
(0.0)
49.8
49.8
41.3
58.5
(21.5)
8,422.0
9,572.0
6,026.1
35.9
5,707.8
92.1
80.4
11,337.0
3,864.2
% Chg
19.6
10.7
36.4
(5.9)
(5.9)
#DIV/0!
103.9
59.4
(1.5)
#DIV/0!
FY 03
68.6
49,800.6
41,398.6
10,296.3
5,167.8
3.5
7,062.1
7,062.1
8,402.0
20.3
11.4
20.1
28,353.3
18,992.7
7,930.0
942,767.7
893,976.7
1,294,285.3
1,286,726.3
9,756.1
19,753.6
380,777.7
372,010.7
8,767.0
6,638.4
437,264.2
48,251.0
9,879.3
7,325.5
FY 04
77,797.0
41,549.9
36,247.0
18,668.8
5,519.0
13,149.8
54,915.8
96,465.7
15,389.8
7,166.6
32,359.4
13,513.8
6,607.9
35.1
12,237.7
(1,150.8)
11,086.9
30.6
11,086.9
12,237.7
11,188.1
35.9
5,063.3
59.1
60.7
13,513.8
7,174.4
% Chg
20.3
19.6
(12.7)
41.3
41.3
#DIV/0!
23.6
49.3
59.4
230.4
FY 04
129.7
46,701.3
49,800.6
10,444.5
2.0
13,543.8
13,543.8
(3,099.3)
(6.2)
9.1
43.2
36,521.7
28,353.3
3,600.0
18.5
20.2
17.5
17.9
82.2
42.5
22.4
23.2
(6.0)
(7.4)
17.2
5.8
(40.8)
80.8
% Chg
3.9
(4.7)
16.0
49.3
15.0
70.7
25.5
10.4
13.1
23.4
33.0
19.2
93.6
27.8
0.1
31.6
31.6
27.8
85.7
1,142,865.1
1,095,787.8
1,532,819.1
1,518,079.6
20,036.7
23,503.6
463,991.6
453,226.4
10,765.2
8,160.2
538,187.4
42,057.4
2,842.0
10,068.8
FY 05
84,598.5
44,531.1
40,067.4
16,756.8
6,912.9
9,843.9
56,824.2
101,355.3
23,079.0
8,539.8
25,205.4
4,988.5
4,954.9
24.5
15,262.0
(1,160.8)
14,101.2
21.2
22.6
18.4
18.0
105.4
19.0
21.9
21.8
22.8
22.9
23.1
(12.8)
(71.2)
37.4
1,357,543.3
1,307,767.2
1,822,209.7
1,800,671.5
47,027.3
21,389.3
458,640.7
445,408.9
13,231.8
8,984.3
675,200.6
34,398.2
1,648.1
9,511.7
% Chg
8.7
7.2
10.5
(10.2)
25.3
(25.1)
3.5
5.1
50.0
19.2
(22.1)
(63.1)
(25.0)
FY 06
95,841.5
49,173.9
46,667.7
12,735.0
7,526.3
5,208.7
59,402.7
108,576.5
21,149.7
9,081.8
29,171.1
8,822.9
5,955.2
29.3
14,393.0
14,393.0
24.7
0.9
27.2
(11.3)
14,101.2
15,262.0
3,533.9
35.9
12,995.9
156.7
14,393.1
14,393.0
2,135.9
35.9
13,023.4
19.2
85.7
4,988.5
2,266.1
(63.1)
(68.4)
8,822.9
1,369.6
% Chg
(6.2)
20.3
1.4
91.8
91.8
#DIV/0!
(136.9)
28.8
49.3
(54.6)
FY 05
229.2
37,413.4
46,701.3
7,186.4
27.2
24.7
(68.4)
% Chg
(19.9)
(6.2)
(31.2)
1.12
16,474.3
21.6
(100.0)
16,474.3 #DIV/0!
(9,287.9)
199.7
(19.9)
5.8
68.2
31,485.8
36,521.7
(13.8)
28.8
(100.0)
FY 06
166.8
31,382.9
37,413.4
9,028.2
1.16
15,058.7
15,058.7
(6,030.5)
(16.1)
4.0
88.8
25,360.0
31,485.8
6,795.6
(285.4)
576.1
290.7
7,081.0
59.4
108.6
#DIV/0!
#DIV/0!
#DIV/0!
(3,896.8)
9,419.0
1,359.4
1,417.8
9,360.6
49.3
38.6
(596.8)
(100.0)
(100.0)
32.2
14,016.5
5,848.1
8,168.4
28.8
4,305.8
8.2
6,178.2
43.5
5,690.0
18,100.1
(611.0)
(3.3)
(0.0)
5.3
(3.3)
33.3
15,269.1
(2,831.0)
(15.6)
(0.0)
3.8
(15.6)
363.3
4,489.6
(10,779.5)
(70.6)
(0.0)
1.0
#DIV/0!
23,298.5
812.0
812.0
24,110.5
56.3
58.2
18,100.1
17,288.1
5.0
9.6
46.6
22.7
#DIV/0!
22.7
45.7
(3.3)
(4.2)
#DIV/0!
34,531.5
952.0
952.0
35,483.5
69.3
71.3
15,269.1
14,317.1
3.6
12.0
#DIV/0!
41,398.6
11.3
19.6
6.9
7.1
10.6
3.6
65.5
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(0.1)
(0.1)
(0.4)
(0.2)
(15.6)
(17.2)
20.3
42,211.7
1,417.0
1,417.0
43,628.7
90.4
93.4
4,489.6
3,072.6
0.7
(4.0)
5.9
6.1
10.1
4.0
58.3
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(0.9)
(1.0)
(0.6)
0.4
(7.9)
(70.6)
280.8
(55.7)
7,246.7
92.2
#DIV/0!
#DIV/0!
(5,035.9)
(161.7)
(13.8)
13,372.5
22.2
48.8
#DIV/0!
48.8
23.0
(70.6)
(78.5)
(6.2)
(16.8)
3,921.2
1,194.4
(3,295.2)
(73.4)
(0.0)
0.2
(73.4)
(69.4)
2,101.7
907.3
76.0
0.0
0.3
#DIV/0!
36,219.0
2,557.5
2,557.5
38,776.5
96.8
103.6
1,194.4
(1,363.1)
(0.2)
(7.4)
4.8
4.9
8.7
3.8
53.4
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(1.2)
(1.2)
(1.4)
(0.2)
(14.2)
80.5
#DIV/0!
80.5
(11.1)
(73.4)
(144.4)
29,281.2
2,830.0
2,830.0
32,111.2
93.3
102.3
2,101.7
(728.3)
(0.1)
(4.5)
#DIV/0!
37,413.4
5.8
#DIV/0!
#DIV/0!
#DIV/0!
(46,701.3)
(6,125.8)
(19.5)
4,733.2
#DIV/0!
46,701.3
9.1
#DIV/0!
#DIV/0!
#DIV/0!
(49,800.6)
312.5
#DIV/0!
#DIV/0!
(12.7)
6,204.9
11,240.8
#DIV/0!
#DIV/0!
49,800.6
11.4
#DIV/0!
#DIV/0!
#DIV/0!
(41,398.6)
48.2
17.2
#DIV/0!
17.2
47.2
48.8
(19.9)
31,382.9
4.0
#DIV/0!
#DIV/0!
#DIV/0!
(37,413.4)
4.4
4.5
7.7
3.3
52.6
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(0.4)
(0.4)
(1.0)
(0.5)
(31,382.9)
4.1
4.2
7.3
3.2
51.3
10.6
11.3
11.2
7.1
3.7
3.6
10.1
10.6
10.3
6.1
4.2
4.0
8.7
9.7
9.0
4.9
4.1
3.8
7.7
8.6
8.0
4.5
3.7
3.3
7.3
8.8
8.0
4.2
3.6
3.2
44.7
0.5
0.6
45.7
0.5
0.7
27.1
0.4
0.5
77.6
0.8
1.1
102.3
0.7
1.0
16.6
35.5
187.4
17.6
40.4
188.1
23.9
58.6
120.8
17.3
14.8
141.2
8.8
9.5
413.1
135.6
28,780.6
10,680.5
50.3
17,332.3
81.7
-
139.6
37,034.1
21,765.0
82.0
27,242.8
102.7
-
176.8
46,907.7
42,418.1
159.9
44,028.7
166.0
-
248.9
78,488.1
77,293.7
245.1
77,722.2
246.5
-
287.8
90,739.8
88,638.1
281.1
89,392.1
283.5
-
26.1
1.0
31.9
16.8
0.6
20.6
29.1
1.2
40.1
17.3
0.7
23.9
29.2
1.3
46.1
12.1
0.5
19.1
24.3
1.3
52.6
20.7
1.1
44.8
17.0
1.1
45.6
15.4
1.0
41.3
31.9
31.9
40.1
36.1
46.1
46.1
52.6
48.4
45.6
45.6
90,740
19,350
110,090
921,253
63.4
10.7
6.3
4.4
12.0
7.1
4.9
13.1
7.0
6.1
14.8
8.9
5.9
12.0
10.1
1.9
3.0
9.4
9.4
3.5
10.9
9.7
4.0
9.8
8.7
5.5
13.0
11.4
6.0
15.0
13.1
51.46
22.09
44.4
22.2
41.1
23.4
55.64
31.20
50.89
27.84
2.47
2.69
2.4
2.6
2.4
2.5
2.77
2.89
4,268.0
4,473.0
4,474.0
4,497.0
2.23
2.31
23.0
4,510.0
4,274.5
4,370.5
4,473.5
4,485.5
4,503.5
690.0
57,859.0
58,981.0
58,839.0
58,084.0
58,420.0
58,910.0
58,329.0
17,645.0
29,696.0
10,988.0
58,584.0
(510.0)
58,047.0
18,477.0
28,688.0
10,882.0
58,188.0
13.6
13.2
13.2
13.0
12.9
0.21
17.36
0.12
0.23
20.45
0.16
0.26
23.66
0.21
0.39
28.54
0.26
0.36
33.90
0.25
1.13
13.56
236.23
150.24
1.3
13.2
267.1
169.5
1.6
13.2
311.5
196.5
1.90
12.97
371.81
229.41
2.02
12.87
437.34
265.38
282,071.7
3,101.3
1.1
340,300.5
5,001.3
1.5
421,254.9
9,649.7
2.3
506,728.3
19,023.4
3.8
410,553.1
-
10,931.8
176,113.5
134,412.8
160,336.3
207,345.2
282,684.5
340,934.3
134,412.8
160,336.3
207,345.2
282,684.5
340,934.3
39.1
39.9
43.9
46.8
45.7
25.27
43.3
53.6
79.3
55.8
88.3
33.1
9.7
23.7
45.5
53.1
50.1
56.0
56.5
35.5
10.3
21.8
44.0
53.7
57.8
56.2
57.5
38.7
9.6
17.26
44.2
58.6
86.5
59.2
75.5
40.1
10.2
15.16
45.7
62.4
86.1
60.4
67.3
27.0
19.3
47.1
38.7
8.8
5.4
46.7
39.5
9.4
4.5
46.1
41.2
8.6
4.1
47.9
40.1
8.8
3.2
51.4
28.3
17.1
3.3
29.87
44.39
2.47
0.64
28.6
38.4
2.4
0.6
34.0
29.6
2.4
0.6
29.49
41.25
2.77
0.60
21.44
59.10
2.23
0.55
1.0
26.1
0.6
16.8
1.2
29.1
0.7
17.3
1.3
29.2
0.5
12.1
1.3
24.3
1.1
20.7
1.1
17.0
1.0
15.4
17.4
0.1
20.5
0.2
23.7
0.2
28.5
0.3
33.9
0.2
14.2
22.6
18.2
17.0
16.0
17.4
17.3
27.9
16.0
23.5
11.3
5.3
58.2
62.9
11.4
3.8
71.3
41.2
9.1
1.0
93.4
9.6
5.8
0.2
103.6
1.5
4.0
0.3
102.3
2.3
20.4
43.3
53.6
79.3
33.1
9.7
19.4
45.5
53.1
50.1
35.5
10.3
18.3
44.0
53.7
57.8
38.7
9.6
13.3
44.2
58.6
86.5
40.1
10.2
13.7
45.7
62.4
86.1
27.0
19.3
31.9
(1.8)
20.6
135.6
81.7
3.0
9.4
40.1
25.6
23.9
139.6
102.7
3.5
9.7
46.1
15.1
19.1
176.8
166.0
4.0
8.7
52.6
14.0
44.8
248.9
246.5
5.5
11.4
45.6
(13.2)
41.3
287.8
283.5
6.0
13.1
% Chg
FY 07
% Chg
FY 08
% Chg
FY 09
% Chg
FY 10
% Chg
% Chg
FY 07
% Chg
FY 08
% Chg
FY 09
% Chg
FY 10
% Chg
14.9
16.3
(3.2)
16.0
34.1
18.6
10.3
146.0
(17.4)
(23.0)
104,354.6
3,153.0
98,263.1
2,938.5
1,398,596.7
164,657.1
480,886.2
753,053.5
19,488.6
36,948.0
64,837.1
11.3
12.2
(2.8)
16.9
(1.5)
14.7
23.3
(70.9)
90.9
(14.5)
123,183.5
3,153.0
104,673.5
15,357.0
1,664,572.3
177,911.6
537,697.1
948,963.6
54,465.6
61,648.0
86,334.3
18.0
6.5
422.6
19.0
8.0
11.8
26.0
179.5
66.9
33.2
146,536.3
3,153.0
128,245.9
15,137.4
2,097,605.0
188,139.0
626,460.1
1,283,005.8
43,743.6
80,853.0
100,448.3
19.0
22.5
(1.4)
26.0
5.7
16.5
35.2
(19.7)
31.2
16.3
177,229.2
3,153.0
159,156.3
14,919.9
2,493,298.0
237,171.9
781,328.1
1,474,798.1
85,720.7
106,903.0
103,176.9
20.9
24.1
(1.4)
18.9
26.1
24.7
14.9
96.0
32.2
2.7
15.1
1,624,225.0
11.8
1,990,203.6
22.5
2,469,186.2
24.1
2,966,327.8
20.1
(36.9)
10.1
29.4
(2.0)
5.8
188,307.2
539,917.1
1,195,015.7
23,155.2
43,808.4
20.4
19.5
23.7
129.3
10.0
214,131.4
633,851.8
1,547,029.9
23,971.1
50,202.0
13.7
17.4
29.5
3.5
14.6
234,735.6
777,244.7
1,866,012.1
25,134.7
63,200.7
9.6
22.6
20.6
4.9
25.9
11.8
1,990,203.6
22.5
2,469,186.2
24.1
2,966,327.8
20.1
123.6
(19.0)
23.5
6.7
21.3
15.1
156,455.2
451,898.4
965,965.2
10,098.3
39,808.0
1,624,225.0
TALLY
#DIV/0!
21.1
18.0
18.1
18.6
22.6
23.9
15.1
15.6
(20.2)
15.1
(0.4)
69.6
(20.2)
(19.9)
#DIV/0!
#DIV/0!
992,616.2
2,391,212.9
2,369,801.8
1,455,033.3
645,543.2
959,971.1
1,568,324.7
101,416.1
376,206.9
1,621,286.5
27,254.3
5,350.6
376,206.9
419,293.5
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
% Chg
8.6
35.0
16.6
19.1
18.4
80.2
(1.2)
22.6
25.8
#DIV/0!
#DIV/0!
FY 07
3,153.0
96,078.0
1,297,722.9
1,340,903.1
1,369,052.1
202,186.1
431,225.7
884,085.5
850,563.9
TALLY
#DIV/0!
28.0
21.2
21.5
13.4
10.1
29.5
12.1
11.8
8.6
11.8
203.9
0.1
8.6
5.8
#DIV/0!
#DIV/0!
1,220,670.9
2,885,243.1
2,852,229.8
1,780,685.9
715,608.6
1,187,120.8
1,915,345.1
107,826.5
450,178.3
1,974,846.7
42,122.9
5,350.6
450,178.3
492,443.6
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
% Chg
13.5
16.5
15.5
15.8
12.7
(6.0)
24.9
27.0
#DIV/0!
#DIV/0!
FY 08
3,153.0
104,621.3
1,531,584.5
1,568,561.6
1,617,859.6
172,381.2
495,907.7
1,106,643.5
1,073,545.9
TALLY
#DIV/0!
23.0
20.7
20.4
22.4
10.9
23.7
22.1
6.3
19.7
21.8
54.6
19.7
17.4
#DIV/0!
#DIV/0!
1,569,183.9
3,666,788.9
3,609,820.4
2,222,201.6
814,599.1
1,540,052.8
2,388,036.1
131,398.9
551,982.5
2,454,048.8
25,624.0
5,394.9
551,982.5
602,832.9
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
% Chg
8.9
18.0
17.0
18.2
(14.7)
15.0
25.2
26.2
#DIV/0!
#DIV/0!
FY 09
3,153.0
119,612.7
1,881,088.6
1,930,193.2
2,001,443.7
201,219.3
586,884.4
1,394,927.4
1,363,586.8
TALLY
#DIV/0!
28.6
27.1
26.6
24.8
13.8
29.7
24.7
21.9
22.6
24.3
(39.2)
0.8
22.6
22.4
#DIV/0!
#DIV/0!
1,888,339.4
4,381,637.4
4,338,164.8
2,685,921.7
1,018,500.0
1,859,732.7
2,871,713.1
162,309.3
664,626.1
2,951,407.9
17,428.9
4,856.4
664,626.1
754,959.4
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
% Chg
14.3
22.8
23.1
23.7
16.7
18.3
26.1
27.0
#DIV/0!
#DIV/0!
FY 10
3,153.0
146,854.1
2,295,451.5
2,360,183.6
2,454,061.6
224,433.5
705,548.2
1,728,761.6
1,699,892.8
#DIV/0!
20.3
19.5
20.2
20.9
25.0
20.8
20.3
23.5
20.4
20.3
(32.0)
(10.0)
20.4
25.2
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
% Chg
22.8
22.0
22.3
22.6
11.5
20.2
23.9
24.7
18.8
19.3
18.9
18.6
134.7
(9.0)
(1.2)
(1.7)
22.9
10.1
25.5
(18.2)
(42.0)
(5.5)
1,538,449.4
1,483,975.7
2,181,808.5
2,159,999.3
43,180.2
28,149.0
431,225.7
407,767.4
23,458.3
18,110.7
856,119.4
32,645.1
4,678.9
-
% Chg
13.3
10.4
16.5
(24.0)
8.9
(47.1)
4.5
7.1
(8.4)
6.3
15.7
76.9
20.2
FY 07
112,361.4
60,229.1
52,132.3
17,304.0
9,700.1
7,603.9
69,436.3
129,665.4
23,524.5
9,737.8
36,174.0
14,482.7
6,290.5
29.0
15,400.8
15,400.8
(5.7)
(100.0)
2.1
2.1
(5.7)
(39.6)
13.3
13.5
19.7
20.0
(8.2)
31.6
(6.0)
(8.5)
77.3
101.6
26.8
(5.1)
183.9
(100.0)
% Chg
17.2
22.5
11.7
35.9
28.9
46.0
16.9
19.4
11.2
7.2
24.0
64.1
5.6
7.0
#DIV/0!
7.0
7.0
7.0
74.9
0.2
15,400.8
15,400.8
3,736.3
35.9
13,005.0
76.9
(39.6)
14,482.7
2,395.9
% Chg
(16.1)
(19.9)
25.6
(8.6)
#DIV/0!
(8.6)
(35.1)
(19.5)
(13.8)
#DIV/0!
FY 07
87.8
33,907.2
31,382.9
20,612.6
2.08
18,088.3
18,088.3
2,524.3
8.0
3.4
57.2
22,801.4
25,360.0
1,807,214.3
1,741,834.9
2,638,228.0
2,611,015.8
36,977.1
49,298.0
495,907.7
455,868.5
40,039.2
34,688.6
1,080,490.4
33,550.1
7,397.0
-
17.5
17.4
20.9
20.9
(14.4)
75.1
15.0
11.8
70.7
91.5
26.2
2.8
58.1
#DIV/0!
2,229,694.9
2,151,690.6
3,276,016.0
3,231,025.1
49,104.6
71,250.5
586,884.4
547,638.2
39,246.2
33,873.4
1,371,022.8
29,131.1
5,226.5
1,071.1
FY 08
142,650.2
87,308.6
55,341.6
19,975.6
11,062.3
8,913.3
75,317.2
162,625.8
24,615.4
10,639.3
40,062.4
7,103.3
12,471.5
37.8
20,487.6
20,487.6
% Chg
27.0
45.0
6.2
15.4
14.0
17.2
8.5
25.4
4.6
9.3
10.7
(51.0)
98.3
FY 09
191,272.1
122,953.0
68,319.1
30,646.9
13,766.4
16,880.5
98,966.0
221,919.0
29,243.8
12,818.2
56,904.0
9,234.8
16,760.4
35.2
30,908.8
30,908.8
33.0
#DIV/0!
33.0
33.0
33.0
18.6
(0.1)
20,487.6
20,487.6
4,430.7
35.9
17,646.4
64.1
74.9
7,103.3
2,841.2
% Chg
8.0
(16.1)
128.3
20.1
#DIV/0!
20.1
(141.9)
(10.1)
(19.5)
#DIV/0!
FY 08
103.7
33,193.0
33,907.2
19,531.9
1.6
20,246.1
20,246.1
(714.2)
(2.1)
2.7
54.0
22,125.5
22,801.4
23.4
23.5
24.2
23.7
32.8
44.5
18.3
20.1
(2.0)
(2.3)
26.9
(13.2)
(29.3)
#DIV/0!
% Chg
34.1
40.8
23.4
53.4
24.4
89.4
31.4
36.5
18.8
20.5
42.0
30.0
34.4
50.9
#DIV/0!
50.9
50.9
50.9
50.4
35.7
30,908.8
30,908.8
6,664.5
33.0
26,443.6
(51.0)
18.6
9,234.8
4,465.2
% Chg
(2.1)
8.0
(5.2)
11.9
#DIV/0!
11.9
(128.3)
(3.0)
(10.1)
#DIV/0!
FY 09
129.7
25,069.1
30,214.6
17,311.4
1.1
22,456.9
22,456.9
(8,123.9)
(24.5)
1.6
45.1
22,154.0
22,125.5
2,717,757.0
2,629,874.6
4,024,213.1
3,973,992.6
64,732.1
93,878.0
705,548.2
678,896.1
26,652.1
21,526.5
1,706,521.0
28,606.7
6,366.0
1,071.1
FY 10
214,669.1
129,440.2
85,228.9
35,653.1
16,821.6
18,831.5
120,882.0
250,322.2
31,211.4
16,407.8
73,262.8
14,215.0
19,994.3
33.9
39,053.5
39,053.5
21.9
22.2
22.8
23.0
31.8
31.8
20.2
24.0
(32.1)
(36.5)
24.5
(1.8)
21.8
-
% Chg
12.2
5.3
24.8
16.3
22.2
11.6
22.1
12.8
6.7
28.0
28.7
53.9
19.3
26.4
#DIV/0!
26.4
26.4
26.4
20.9
49.9
39,053.6
39,053.5
8,057.7
33.0
33,654.9
30.0
57.2
14,215.0
5,398.6
53.9
20.9
% Chg
31,555.6
(24.5)
(10.9)
(11.4)
10.9
#DIV/0!
10.9
1,037.5
0.1
(3.0)
#DIV/0!
FY 10
75.1
32,144.2
25,069.1
28,381.4
1.5
21,306.3
21,306.3
7,075.1
28.2
1.7
35.5
21,800.4
22,154.0
27.3
% Chg
31,555.6
28.2
(17.0)
63.9
(5.1)
#DIV/0!
(5.1)
(187.1)
(1.6)
0.1
#DIV/0!
16.8
7,787.8
19.0
#DIV/0!
#DIV/0!
21.6
10,346.4
(2,558.6)
(10.1)
(17.2)
3,849.6
76.0
(127.5)
7,256.2
5,154.5
245.3
0.0
0.8
#DIV/0!
(19.2)
10.7
#DIV/0!
10.7
(17.2)
76.0
(46.6)
26,651.0
4,349.3
4,349.3
31,000.3
78.6
91.4
7,256.2
2,906.9
0.3
1.2
(0.2)
(0.3)
(0.4)
(0.1)
10,939.5
(1.8)
3,529.7
(8.3)
7,537.8
281.6
3.9
0.0
0.63
3.9
(94.5)
245.3
468.1
(675.9)
(3.0)
(9.0)
53.7
#DIV/0!
53.7
(3.5)
245.3
(499.1)
8.0
4.3
4.4
7.6
3.2
53.6
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.2
0.2
0.2
0.0
5.7
#DIV/0!
#DIV/0!
(73.6)
10,164.0
(1.0)
7,220.6
(29.0)
10,135.5
(7.3)
#DIV/0!
#DIV/0!
(104.2)
7,574.2
(25.3)
#DIV/0!
#DIV/0!
(1,340.7)
28.5
0.1
25,655.2
5,734.3
5,734.3
31,389.5
77.3
94.6
7,537.8
1,803.5
0.2
(0.3)
(3.7)
31.8
#DIV/0!
31.8
1.3
3.9
(38.0)
#DIV/0!
33,193.0
2.7
(2.1)
2,915.1
(4,622.7)
(61.3)
(0.0)
0.19
5.4
5.4
8.2
2.8
61.2
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
1.1
1.0
0.6
(0.4)
(61.3)
(1,741.6)
#DIV/0!
9,816.9
6,901.8
236.8
0.0
0.53
#DIV/0!
22,154.0
6,380.7
6,380.7
28,534.7
88.4
113.8
2,915.1
(3,465.6)
(0.2)
(2.3)
87,352.6
5.6
112,421.7
7.2
#DIV/0!
#DIV/0!
#DIV/0!
(33,193.0)
(353.6)
(1.6)
(100.0)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(33,907.2)
31.8
(22.6)
#DIV/0!
#DIV/0!
(58.2)
#DIV/0!
33,907.2
3.4
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
10,263.6
#DIV/0!
#DIV/0!
(16.1)
7.5
(13.6)
11.3
#DIV/0!
11.3
(9.1)
(61.3)
(292.2)
#DIV/0!
238.7
#DIV/0!
21,800.4
7,090.8
7,090.8
28,891.2
67.8
89.9
9,816.9
2,726.1
0.1
2.2
120,960.0
6.4
153,104.2
8.1
#DIV/0!
#DIV/0!
#DIV/0!
(25,069.1)
6.1
6.1
8.9
2.7
64.3
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.8
0.7
0.7
(0.0)
236.8
(249.3)
(1.6)
11.1
#DIV/0!
11.1
1.2
236.8
(178.7)
38.5
36.2
#DIV/0!
#DIV/0!
#DIV/0!
(32,144.2)
5.2
5.3
8.2
2.9
60.3
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
(0.9)
(0.9)
(0.7)
0.1
7.6
7.6
9.0
4.4
3.5
3.2
8.2
7.3
9.7
5.4
3.2
2.8
8.9
7.3
10.7
6.1
3.2
2.7
8.2
6.5
9.8
5.3
3.2
2.9
75.2
0.6
0.8
88.3
0.7
1.0
86.3
0.8
1.2
94.4
0.8
1.2
11.0
15.6
387.6
11.8
13.9
160.3
17.1
14.4
138.6
15.6
13.8
176.4
321.6
101,416.1
94,159.9
298.6
96,763.1
306.9
-
342.0
107,826.5
100,288.7
318.1
102,992.9
326.6
-
416.7
131,398.9
128,483.8
407.5
129,445.8
410.5
-
514.8
162,309.3
152,492.4
483.6
155,732.0
493.9
-
16.0
1.0
48.8
13.5
0.8
41.2
19.6
1.1
65.0
16.9
1.0
56.0
25.8
1.4
98.0
22.1
1.2
83.9
26.6
1.4
123.9
22.9
1.2
106.7
48.8
48.8
65.0
65.0
98.0
98.0
123.9
123.9
101,416
36,948
138,364
1,125,827
69.3
107,827
61,648
169,475
1,259,097
63.3
131,399
80,853
212,252
1,512,843
61.3
162,309
106,903
269,212
1,918,833
64.7
12.29
8.9
3.4
13.46
9.0
4.5
14.03
9.0
5.1
14.03
9.0
5.1
10.0
23.7
20.5
13.0
23.4
20.0
20.0
23.9
20.4
22.0
20.7
17.8
47.90
25.65
46.81
21.68
42.50
18.95
39.39
19.02
2.16
2.24
13.0
(282.0)
4,539.0
1.95
2.02
29.0
4,539.0
1.89
1.95
4,427.0
1,908.0
911.0
891.0
717.0
238.0
1.75
1.81
(112.0)
4,427.0
1,908.0
911.0
891.0
717.0
238.0
4,524.5
4,264.0
1,009.0
1,009.0
57,316.0
57,681.5
(731.0)
56,025.0
19,141.0
26,620.0
10,264.0
56,670.5
2,150.0
(1,291.0)
58,205.0
19,162.0
26,038.0
9,580.0
57,115.0
2,150.0
2,180.0
58,205.0
19,162.0
26,038.0
9,580.0
58,205.0
12.6
12.3
13.1
13.1
0.41
41.46
0.27
0.43
50.91
0.36
0.51
64.20
0.54
0.54
75.28
0.67
2.15
12.63
526.81
308.13
2.50
12.34
635.66
366.73
#DIV/0!
13.15
828.28
473.82
#DIV/0!
13.15
989.75
563.20
451,898.4
-
539,917.1
-
633,851.8
1,071.1
0.2
777,244.7
1,071.1
0.1
15,229.4
207,673.6
15,229.4
207,673.6
365,276.1
138,300.0
47,410.0
110,280.0
116,696.1
434,120.0
142,130.0
57,340.0
122,680.0
169,310.0
105,110.0
27,660.0
114,030.0
31,720.0
37.8
41.9
41.9
36.3
44.1
44.1
188,340.0
77,219.4
90,950.0
15.4
15.8
82.6
(54.0)
15.14
44.4
69.1
108.9
68.2
126.2
25.9
10.8
17.02
40.2
71.8
86.1
68.6
70.0
25.3
10.6
18.58
36.7
73.8
81.3
70.6
78.9
24.8
9.6
18.29
37.9
74.8
80.6
70.3
68.8
24.7
8.7
59.5
27.8
9.6
3.1
60.0
27.1
9.5
3.4
62.7
25.7
8.7
3.0
62.9
26.2
7.9
3.0
24.92
56.06
2.16
0.63
26.52
55.38
1.95
0.61
30.97
44.92
1.89
0.62
29.49
47.18
1.75
0.62
1.0
16.0
0.8
13.5
1.1
19.6
1.0
16.9
1.4
25.8
1.2
22.1
1.4
26.6
1.2
22.9
41.5
0.3
50.9
0.4
64.2
0.5
75.3
0.7
16.9
29.4
19.0
23.7
26.0
29.5
18.9
20.6
3.4
0.8
91.4
7.2
2.7
0.6
94.6
7.0
1.6
0.2
113.8
2.2
1.7
0.5
89.9
6.0
13.9
44.4
69.1
108.9
25.9
10.8
14.5
40.2
71.8
86.1
25.3
10.6
15.2
36.7
73.8
81.3
24.8
9.6
15.2
37.9
74.8
80.6
24.7
8.7
48.8
7.0
41.2
321.6
306.9
10.0
20.5
65.0
33.0
56.0
342.0
326.6
13.0
20.0
98.0
50.9
83.9
416.7
410.5
20.0
20.4
123.9
26.4
106.7
514.8
493.9
22.0
17.8
FY 11E
% Chg
FY 12E
% Chg
FY 11E
% Chg
FY 12E
% Chg
216,554.5
3,153.0
198,481.6
14,919.9
3,047,782.8
272,747.7
961,033.5
1,814,001.6
107,150.8
126,903.0
137,771.9
22.2
24.7
22.2
15.0
23.0
23.0
25.0
18.7
33.5
265,647.9
3,153.0
247,575.1
14,919.9
3,719,311.0
305,477.4
1,191,681.6
2,222,152.0
128,581.0
141,903.0
143,698.4
22.7
24.7
22.0
12.0
24.0
22.5
20.0
11.8
4.3
3,636,163.0
22.6
4,399,141.3
21.0
328,183.7
943,838.8
2,270,014.4
25,559.7
68,566.4
39.8
21.4
21.7
1.7
8.5
398,979.5
1,132,256.3
2,767,778.8
26,645.0
73,481.7
21.6
20.0
21.9
4.2
7.2
3,636,163.0
22.6
4,399,141.3
21.0
TALLY
2,303,774.0
5,351,556.9
5,303,737.0
3,281,836.7
1,233,781.2
2,264,257.8
3,536,280.2
201,634.6
820,459.2
3,621,243.1
19,520.4
5,099.2
820,459.2
919,219.2
TALLY
#DIV/0!
22.0
22.1
22.3
22.2
21.1
21.8
23.1
24.2
23.4
22.7
12.0
5.0
23.4
21.8
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
FY 11E
3,153.0
181,972.0
2,770,540.4
2,866,976.2
2,983,879.2
281,459.7
860,541.7
2,096,056.7
2,061,995.2
% Chg
23.9
20.7
21.5
21.6
25.4
22.0
21.2
21.3
#DIV/0!
2,810,604.3
6,529,915.3
6,477,313.4
3,989,794.9
1,497,159.0
2,757,420.2
4,288,656.0
250,728.1
997,448.7
4,384,221.5
21,472.4
5,354.1
997,448.7
1,105,429.7
#DIV/0!
22.0
22.0
22.1
21.6
21.3
21.8
21.3
24.3
21.6
21.1
10.0
5.0
21.6
20.3
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
FY 12E
3,153.0
226,181.3
3,383,546.9
3,501,412.8
3,635,815.8
363,581.6
1,038,047.5
2,557,189.2
2,510,839.0
% Chg
24.3
22.1
22.1
21.8
29.2
20.6
22.0
21.8
#DIV/0!
3,301,245.4
3,203,996.6
4,866,597.1
4,820,950.9
96,435.7
116,903.0
860,541.7
837,089.3
23,452.4
18,474.7
2,068,013.3
39,516.3
11,472.8
535.5
21.5
21.8
20.9
21.3
49.0
24.5
22.0
23.3
(12.0)
(14.2)
21.2
38.1
80.2
(50.0)
4,017,652.1
3,912,468.1
5,940,736.1
5,890,525.2
117,865.9
134,403.0
1,038,047.5
1,012,324.5
25,723.1
20,496.4
2,518,896.6
53,184.1
14,891.6
-
FY 11E
269,512.0
165,850.1
103,662.0
36,745.1
20,522.4
16,222.7
140,407.1
306,257.2
35,890.5
20,006.1
84,510.5
16,542.6
23,109.1
34.0
44,858.8
44,858.8
% Chg
25.5
28.1
21.6
3.1
22.0
(13.9)
16.2
22.3
15.0
21.9
15.4
16.4
15.6
FY 12E
335,486.1
210,847.5
124,638.6
43,003.9
24,626.9
18,377.1
167,642.5
378,490.0
43,038.5
24,172.0
100,432.0
17,032.0
28,773.0
34.5
54,627.0
54,627.0
14.9
#DIV/0!
14.9
44,858.8
4,442.6
33.0
41,882.3
(100.0)
14.9
(44.9)
16,542.6
2,976.5
FY 11E
14,744.2
60.0
46,888.4
32,144.2
36,860.4
1.6
22,116.2
14,744.2
45.9
2.0
7.0
33,759.6
21,800.4
21.7
22.1
22.1
22.2
22.2
15.0
20.6
20.9
9.7
10.9
21.8
34.6
29.8
(100.0)
% Chg
24.5
27.1
20.2
17.0
20.0
13.3
19.4
23.6
19.9
20.8
18.8
3.0
24.5
21.8
#DIV/0!
21.8
#DIV/0!
21.8
5.0
24.4
54,627.0
4,663.5
33.0
51,502.5
16.4
(44.9)
17,032.0
3,124.5
3.0
5.0
FY 12E
12,591.5
68.0
59,479.9
46,888.4
39,348.5
% Chg
% Chg
45.9
28.2
29.9
3.8
#DIV/0!
(100.0)
108.4
54.9
(1.6)
#DIV/0!
1.4
26,757.0
12,591.5
26.9
2.1
20.0
42,825.5
33,759.6
23.0
26.9
45.9
6.7
21.0
#DIV/0!
#DIV/0!
(14.6)
26.9
54.9
#DIV/0!
13,507.4
1,548.1
11,959.2
54.9
13,128.7
3,311.8
33.7
0.0
0.58
87.1
(79.6)
#DIV/0!
#DIV/0!
(3,482.1)
#DIV/0!
33.7
(52.0)
14,417.3
5,351.4
9,065.9
26.9
16,654.4
3,525.6
26.9
0.0
0.60
#DIV/0!
33,759.6
8,626.1
8,626.1
42,385.7
72.0
72.0
90.4
13,128.7
4,502.7
0.2
3.5
54.9
21.7
#DIV/0!
21.7
46.7
33.7
65.2
(69.4)
42,825.5
10,240.8
10,240.8
53,066.3
72.0
72.0
89.2
16,654.4
6,413.6
0.2
2.5
5.6
5.6
8.4
2.9
61.5
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.3
0.3
0.2
(0.0)
#DIV/0!
26.9
6.5
26.9
18.7
#DIV/0!
18.7
25.2
26.9
42.4
#DIV/0!
59,479.9
2.1
#DIV/0!
#DIV/0!
#DIV/0!
(46,888.4)
245.7
#DIV/0!
#DIV/0!
(24.2)
#DIV/0!
(100.0)
46,888.4
2.0
6.7
26.9
#DIV/0!
#DIV/0!
#DIV/0!
(59,479.9)
5.8
5.8
8.6
2.8
62.8
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
0.3
0.2
0.2
(0.1)
8,673.6
8.4
6.6
10.2
5.6
3.2
2.9
8.6
6.7
10.4
5.8
3.2
2.8
114.0
0.9
1.3
119.8
0.9
1.3
11.6
6.6
372.4
11.0
5.7
365.2
639.5
201,634.6
188,505.9
597.9
192,838.4
611.6
-
795.2
250,728.1
234,073.7
742.4
239,569.7
759.8
-
24.7
1.4
142.3
23.0
1.3
132.8
24.2
1.4
173.3
22.8
1.3
163.3
142.3
142.3
173.3
173.3
201,635
126,903
328,538
2,363,506
65.0
250,728
141,903
392,631
2,859,442
65.0
13.9
8.5
5.4
13.7
8.8
5.0
15.0
12.3
10.5
15.0
10.1
8.7
39.81
18.25
40.09
17.76
1.69
1.74
4,477.0
1.67
1.72
50.0
4,527.0
4,452.0
58,705.0
58,455.0
50.0
4,502.0
500.0
59,105.0
58,905.0
400.0
13.1
13.1
0.61
91.55
0.77
0.73
110.86
0.93
4.49
13.11
1,195.34
680.76
5.37
13.06
1,442.44
821.58
943,838.8
-
1,132,256.3
-
18.03
37.6
74.5
72.9
70.2
69.7
25.0
10.0
17.64
37.5
74.4
74.1
70.4
71.6
25.0
10.0
62.4
26.0
9.0
2.6
62.9
25.7
9.1
2.3
26.17
55.85
1.69
0.62
25.65
57.27
1.67
0.61
1.4
24.7
1.3
23.0
1.4
24.2
1.3
22.8
91.6
0.8
110.9
0.9
22.2
21.7
22.0
21.9
2.0
0.6
90.4
6.5
2.1
0.6
89.2
6.6
15.2
37.6
74.5
72.9
25.0
10.0
15.0
37.5
74.4
74.1
25.0
10.0
142.3
14.9
132.8
639.5
611.6
15.0
10.5
173.3
21.8
163.3
795.2
759.8
15.0
8.7
ALM as on 31.03.00
From
To
1 Day
14 days
15 days
28 days
29 days
3 Months
3 Months +
6 Months
6 Months +
1 Year
1 Year +
3 Years
3 Years +
5 Years
27,902.30
1,632.00
29,534.30
29,534.30
6.61%
6,217.50
1,115.60
7,333.10
36,867.40
8.25%
16,286.50
1,061.60
17,348.10
54,215.50
12.14%
16,930.10
1,772.00
18,702.10
72,917.60
16.32%
21,210.80
6,004.10
27,214.90
100,132.50
22.42%
75,717.40
13,132.90
88,850.30
188,982.80
42.31%
29,505.10
25,087.20
54,592.30
243,575.10
54.53%
34,758.10
113.90
34,872.00
4,959.60
4,959.60
11,874.30
2,622.10
14,496.40
14,303.10
2,708.00
17,011.10
22,961.70
416.00
23,377.70
231,122.70
565.30
231,688.00
(5,337.70)
1.11%
34,872.00
7.81%
(5,337.70)
-1.11%
2,373.50
0.49%
39,831.60
8.92%
(2,964.20)
-0.62%
2,851.70
0.59%
54,328.00
12.16%
(112.50)
-0.02%
1,691.00
0.35%
71,339.10
15.97%
1,578.50
0.33%
3,837.20
0.80%
94,716.80
21.20%
5,415.70
1.12%
(142,837.70)
29.67%
326,404.80
73.07%
(137,422.00)
-28.54%
46,323.10
9.62%
334,674.00
74.92%
(91,098.90)
-18.92%
371.20
845.30
(474.10)
38.70
1,600.30
(1,561.60)
27.00
2,017.40
(1,990.40)
12.70
(12.70)
8,109.10
160.10
8,269.20
Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap
233.40
1,570.10
(1,336.70)
550.90
444.30
106.60
1,362.60
738.20
624.40
1 Day
14 days
15 days
28 days
29 days
3 Months
3 Months +
6 Months
6 Months +
1 Year
1 Year +
3 Years
3 Years +
5 Years
14,935.30
249.70
15,185.00
15,185.00
2.86%
7,516.60
1,196.30
8,712.90
23,897.90
4.50%
19,811.50
3,666.80
23,478.30
47,376.20
8.91%
21,590.10
2,861.70
24,451.80
71,828.00
13.51%
28,524.50
4,395.50
32,920.00
104,748.00
19.71%
116,276.40
17,779.40
134,055.80
238,803.80
44.92%
30,993.60
32,299.40
63,293.00
302,096.80
56.83%
52,447.90
3,168.60
55,616.50
13,307.20
12.60
13,319.80
33,129.40
2,055.90
35,185.30
43,197.70
192.30
43,390.00
64,277.70
208.90
64,486.60
323,476.20
738.60
324,214.80
21,098.60
348.50
21,447.10
(40,431.50)
7.12%
55,616.50
10.46%
(40,431.50)
-7.12%
(4,606.90)
0.81%
68,936.30
12.97%
(45,038.40)
-7.93%
(11,707.00)
2.06%
104,121.60
19.59%
(56,745.40)
-9.99%
(18,938.20)
3.33%
147,511.60
27.75%
(75,683.60)
-13.32%
(31,566.60)
5.56%
211,998.20
39.88%
(107,250.20)
-18.88%
(190,159.00)
33.48%
536,213.00
100.87%
(297,409.20)
-52.36%
41,845.90
7.37%
557,660.10
104.91%
(255,563.30)
-44.99%
1,125.10
1,521.80
(396.70)
33.00
2,823.60
(2,790.60)
42.00
(42.00)
Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap
1,310.80
1,076.40
234.40
541.30
193.40
347.90
1,826.60
422.20
1,404.40
2,445.60
689.30
1,756.30
ALM as on 31.03.02
From
To
1 Day
14 days
16,063.60
1,213.10
17,276.70
15 days
28 days
7,990.80
350.30
8,341.10
29 days
3 Months
24,672.50
5,646.40
30,318.90
3 Months +
6 Months
25,321.40
2,221.20
27,542.60
6 Months +
1 Year
71,151.70
3,307.00
74,458.70
1 Year +
3 Years
100,724.20
28,630.80
129,355.00
3 Years +
5 Years
42,544.00
32,822.60
75,366.60
Cumulative Assets
Cumulative Assets(%)
Deposits
Borowings
Liabilities
GAP
(as % of Dep+Borrowings)
Cumulative Liab
Cumulative Liab(%)
Diff in Cum Figures(Abs)
Diff in Cum Figures(% of Dep+Borrow))
17,276.70
2.76%
25,617.80
4.09%
55,936.70
8.94%
83,479.30
13.34%
157,938.00
25.24%
287,293.00
45.91%
362,659.60
57.95%
31,641.90
2,720.40
34,362.30
14,955.30
14,955.30
24,249.30
16.60
24,265.90
28,146.80
159.90
28,306.70
35,062.70
171.50
35,234.20
335,961.10
583.10
336,544.20
10,994.50
430.00
11,424.50
(17,085.60)
2.65%
34,362.30
5.49%
(17,085.60)
-2.65%
(6,614.20)
1.02%
49,317.60
7.88%
(23,699.80)
-3.67%
6,053.00
0.94%
73,583.50
11.76%
(17,646.80)
-2.73%
(764.10)
0.12%
101,890.20
16.28%
(18,410.90)
-2.85%
39,224.50
6.08%
137,124.40
21.91%
20,813.60
3.23%
(207,189.20)
32.11%
473,668.60
75.69%
(186,375.60)
-28.88%
63,942.10
9.91%
485,093.10
77.52%
(122,433.50)
-18.97%
7,018.50
839.30
6,179.20
3,486.10
140.70
3,345.40
1,829.10
512.60
1,316.50
1,368.70
1,809.20
(440.50)
319.90
4,635.00
(4,315.10)
Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap
1,780.10
775.30
1,004.80
13.80
13.80
1 Day
14 days
15 days
28 days
29 days
3 Months
3 Months +
6 Months
6 Months +
1 Year
1 Year +
3 Years
3 Years +
5 Years
26,783.50
7,929.90
34,713.40
34,713.40
4.67%
9,561.00
3,208.80
12,769.80
47,483.20
6.39%
25,268.40
3,066.90
28,335.30
75,818.50
10.21%
40,344.30
2,342.50
42,686.80
118,505.30
15.96%
50,328.50
4,603.50
54,932.00
173,437.30
23.36%
138,340.70
36,821.00
175,161.70
348,599.00
46.94%
47,202.80
36,835.60
84,038.40
432,637.40
58.26%
51,007.50
18,801.00
50,352.00
50,751.50
75,967.00
472,054.50
25,085.00
Borowings
Liabilities
GAP
(as % of Dep+Borrowings)
Cumulative Liab
Cumulative Liab(%)
Diff in Cum Figures(Abs)
Diff in Cum Figures(% of Dep+Borrow))
190.20
51,197.70
480.10
19,281.10
159.00
50,511.00
3,637.00
54,388.50
113.10
76,080.10
1,963.70
474,018.20
25.80
25,110.80
(16,484.30)
2.16%
51,197.70
6.89%
(16,484.30)
-2.16%
(6,511.30)
0.85%
70,478.80
9.49%
(22,995.60)
-3.01%
(22,175.70)
2.90%
120,989.80
16.29%
(45,171.30)
-5.91%
(11,701.70)
1.53%
175,378.30
23.62%
(56,873.00)
-7.44%
(21,148.10)
2.77%
251,458.40
33.86%
(78,021.10)
-10.20%
(298,856.50)
39.08%
725,476.60
97.70%
(376,877.60)
-49.28%
58,927.60
7.71%
750,587.40
101.08%
(317,950.00)
-41.58%
1,511.80
1,969.00
(457.20)
131.70
665.70
(534.00)
233.50
1,804.70
(1,571.20)
1,010.00
4,695.70
(3,685.70)
Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap
3,208.10
621.00
2,587.10
5,505.60
1,215.50
4,290.10
166.00
40.10
125.90
1 Day
14 days
15 days
28 days
29 days
3 Months
3 Months +
6 Months
6 Months +
1 Year
1 Year +
3 Years
3 Years +
5 Years
43,225.50
350.00
43,575.50
43,575.50
4.88%
11,066.10
5,096.20
16,162.30
59,737.80
6.69%
33,136.70
6,020.00
39,156.70
98,894.50
11.07%
53,186.30
2,079.40
55,265.70
154,160.20
17.25%
65,511.00
3,759.50
69,270.50
223,430.70
25.01%
145,361.00
34,073.00
179,434.00
402,864.70
45.09%
54,331.90
55,063.00
109,394.90
512,259.60
57.33%
Liabilities
42,976.60
162.40
43,139.00
8,789.40
1,161.70
9,951.10
34,844.50
3,657.60
38,502.10
44,341.90
1,907.90
46,249.80
71,343.20
1,305.20
72,648.40
451,566.50
4,673.50
456,240.00
24,529.90
17.30
24,547.20
GAP
436.50
6,211.20
654.60
9,015.90
(3,377.90)
(276,806.00)
84,847.70
Assets
Cumulative Assets
Cumulative Assets(%)
Deposits
Borowings
(as % of Dep+Borrowings)
Cumulative Liab
Cumulative Liab(%)
Diff in Cum Figures(Abs)
Diff in Cum Figures(% of Dep+Borrow))
0.05%
43,139.00
4.83%
436.50
0.05%
0.70%
53,090.10
5.94%
6,647.70
0.75%
0.07%
91,592.20
10.25%
7,302.30
0.82%
8,768.40
893.30
7,875.10
1,482.80
163.90
1,318.90
6,059.00
485.00
5,574.00
1.01%
137,842.00
15.43%
16,318.20
1.83%
0.38%
210,490.40
23.56%
12,940.30
1.45%
31.03%
666,730.40
74.62%
(263,865.70)
-29.58%
1,285.60
1,760.70
(475.10)
584.20
4,459.40
(3,875.20)
9.51%
691,277.60
77.37%
(179,018.00)
-20.07%
Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap
7,084.30
682.70
6,401.60
158.70
93.40
65.30
1 Day
14 days
15 days
28 days
29 days
3 Months
3 Months +
6 Months
6 Months +
1 Year
1 Year +
3 Years
3 Years +
5 Years
70,127.70
684.10
70,811.80
70,811.80
6.34%
18,276.70
5,977.90
24,254.60
95,066.40
8.51%
49,939.30
13,237.40
63,176.70
158,243.10
14.17%
59,032.90
9,933.60
68,966.50
227,209.60
20.34%
101,233.00
4,935.80
106,168.80
333,378.40
29.85%
150,823.80
31,609.00
182,432.80
515,811.20
46.18%
76,533.20
101,031.50
177,564.70
693,375.90
62.08%
75,421.60
509.60
75,931.20
16,227.60
2,626.50
18,854.10
53,562.20
7,683.20
61,245.40
58,719.00
4,843.10
63,562.10
55,736.60
3,649.30
59,385.90
526,642.50
3,328.50
529,971.00
36,623.00
4,538.30
41,161.30
(5,119.40)
0.48%
75,931.20
6.80%
(5,119.40)
5,400.50
0.51%
94,785.30
8.49%
281.10
1,931.30
0.18%
156,030.70
13.97%
2,212.40
5,404.40
0.51%
219,592.80
19.66%
7,616.80
46,782.90
4.42%
278,978.70
24.98%
54,399.70
(347,538.20)
32.82%
808,949.70
72.43%
(293,138.50)
136,403.40
12.88%
850,111.00
76.12%
(156,735.10)
-0.48%
0.03%
0.21%
0.72%
5.14%
-27.68%
-14.80%
2,131.10
2,475.80
(344.70)
2,149.90
4,166.90
(2,017.00)
98.30
102.40
(4.10)
Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap
1,821.90
597.20
1,224.70
2,704.90
250.70
2,454.20
8,282.30
665.50
7,616.80
7,663.40
912.20
6,751.20
TOTAL
Rs Mn
31,947.50
171,185.30
203,132.80
446,707.90
100.00%
225,717.20
220,990.70
446,707.90
446,707.90
100.00%
146,743.70
38.90
146,782.60
474,832.30
6,624.30
481,456.60
56,350.20
11.70%
481,456.60
107.78%
(34,748.70)
-7.22%
(34,748.70)
7.22%
481,456.60
107.78%
(34,748.70)
-7.22%
(34,748.70)
1.70
(1.70)
2,583.80
7,230.00
(4,646.20)
TOTAL
Rs Mn
40,642.50
188,835.40
229,477.90
531,574.70
100.00%
280,290.50
251,284.20
531,574.70
531,574.70
100.00%
280,290.53
251,284.18
531,574.71
10,376.60
6.50
10,383.10
561,311.30
6,731.90
568,043.20
561,311.30
6,731.95
568,043.25
219,094.80
38.57%
568,043.20
106.86%
(36,468.50)
-6.42%
(36,468.50)
6.42%
568,043.20
106.86%
(36,468.50)
-6.42%
(36,468.55)
60,692.10
8,898.46
15,325.14
60,692.10
8,898.46
15,325.14
9.10
(9.10)
2.59%
7,282.40
6,777.80
504.60
55,226.00
207,880.30
263,106.30
TOTAL
Rs Mn
343,694.20
282,071.70
625,765.90
1 Day
14 days
1,128.30
963.40
2,091.70
15 days
28 days
474.20
(846.00)
(371.80)
29 days
3 Months
4,861.00
1,979.60
6,840.60
625,765.90
100.00%
625,765.90
100.00%
160,223.10
4.20
160,227.30
641,234.70
4,085.70
645,320.40
Deposits
Borowings
102,879.00
15.94%
645,320.40
103.12%
(19,554.50)
-3.03%
(19,554.50)
3.03%
645,320.40
103.12%
(19,554.50)
-3.03%
Addn % to Deposits
Addn % Borrowings
(20,806.00)
(448.20)
Liabilities (21,254.20)
(26.03)
16.94
15,816.20
8,712.10
7,104.10
Fx Assets
Fx Liabilities
FX Gap
Addn % to Fx Assets
Addn % to Fx Liabilities
0.75
(2.75)
7.67
6.43
1,648.10
(8,880.10)
(12.60)
(2,039.30)
1,635.50 (10,919.40)
2.06
(11.11)
0.48
77.07
Cash
Subordinate Debt
Net GAP
(19,554.50)
-
1.78
3.13
TOTAL
Rs Mn
64,452.00
245,492.30
309,944.30
742,581.70
100.00%
402,281.20
340,300.50
742,581.70
742,581.70
100.00%
402,281.21
340,300.49
742,581.70
14,116.50
758,135.00
758,134.97
5,707.70
(237.10)
5,944.80
66.88
(12.26)
1 Day
14 days
2,944.80
(52.70)
2,997.50
34.51
(2.72)
15 days
28 days
2.50
90.40
(87.90)
0.03
4.67
29 days
3 Months
10,719.90
6,716.80
17,436.70
18.30
11.54
1,570.20
2,858.50
4,428.70
2.68
4.91
595.90
(2,579.50)
(1,983.60)
1.02
(4.43)
Deposits
19,365.60
3,845.70
26,102.70
52.70
14,169.20
6,621.60
764,756.60
6,621.65
764,756.62
295,775.10
38.68%
764,756.60
102.99%
(22,174.90)
-2.90%
(22,174.90)
2.90%
764,756.60
102.99%
(22,174.90)
-2.90%
(22,174.92)
80,771.87
15,928.64
42,668.33
80,771.87
15,928.64
42,668.33
303.50
3.80
299.70
5.18
12,070.20
11,015.50
1,054.70
Borowings
Liabilities
Addn % to Deposits
Addn % Borrowings
Fx Assets
Fx Liabilities
FX Gap
TOTAL
Rs Mn
66,428.70
314,813.80
381,242.50
893,502.10
100.00%
472,247.20
421,254.90
893,502.10
893,502.10
100.00%
200,771.90
5.00
200,776.90
879,163.90
12,890.60
892,054.50
180,465.60
1,447.60
FY 03
-
#VALUE!
(5,506.70)
1,129.70
(6,636.40)
147.00
49.04
(3,354.40)
525.00
(3,879.40)
89.55
22.79
1 Day
14 days
#VALUE!
277,466.87
277,466.87
480.10
4,325.80
3.29
18.93
142.40
26,245.10
22.33
5.62
Cash
Subordinate Debt
Net GAP
Addn % to Fx Assets
Addn % to Fx Liabilities
5 Years +
(2,530.20)
16,835.40
16.57
(99.78)
Deposits
Borowings
Liabilities
Addn % to Deposits
Addn % Borrowings
16,442.00
(7,579.90)
8,862.10
23.50
(9.36)
(8,030.90)
(27.80)
(8,058.70)
(6.64)
(0.44)
15 days
28 days
1,505.10
1,887.40
3,392.50
2.15
2.33
1,379.00
108.40
1,270.60
(36.81)
4.71
29 days
3 Months
7,868.30
2,953.10
10,821.40
11.25
3.65
######## (15,507.50)
681.60
3,498.60
(9,330.00) (12,008.90)
(8.27)
(12.81)
10.87
55.81
20.23%
892,054.50
99.84%
1,447.60
0.16%
0.16%
892,054.50
99.84%
1,447.60
0.16%
#DIV/0!
54,584.24
#DIV/0!
#DIV/0!
41.20
88.40
(47.20)
#DIV/0!
54,584.24
#DIV/0!
25,464.20
8,626.80
16,837.40
Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap
Addn % to Fx Assets
Addn % to Fx Liabilities
TOTAL
Rs Mn
84,160.90
339,319.00
423,479.90
1,116,855.80
100.00%
610,127.50
506,728.30
1,116,855.80
1,116,855.80
100.00%
43,740.26
7,703.01
51,443.28
208,736.30
4.40
208,740.70
1,031,668.80
27,182.90
1,058,851.70
45,599.60
45,599.60
214,739.20
20.28%
1,058,851.70
94.81%
58,004.10
58,004.10
5.48%
1,058,851.70
94.81%
58,004.10
1 Day
14 days
5,843.68
Deposits
Borowings
Liabilities
Addn % to Deposits
Addn % Borrowings
7,256.60
(1,075.70)
8,332.30
54.18
45.03
1,351.10
(501.80)
1,852.90
10.09
21.01
15 days
28 days
2,850.90
(136.00)
2,986.90
21.28
5.69
29 days
3 Months
26,902.20
334.10
27,236.30
19.51
0.39
7,210.60
881.70
8,092.30
5.23
1.03
16,802.60
7,217.40
24,020.00
12.19
8.44
32,445.00
347.20
32,792.20
21.27
2.43
7,438.20
1,464.80
8,903.00
4.88
10.25
18,717.70
4,025.60
22,743.30
12.27
28.17
5.48%
5.48%
4,800.11
42.35
62,761.86
85.70
17.10
68.60
5.60
4,800.11
42.35
62,761.86
24,937.50
9,187.80
15,749.70
Cash
Subordinate Debt
Net GAP
Fx Assets
Fx Liabilities
FX Gap
Addn % to Fx Assets
Addn % to Fx Liabilities
(6,946.50)
(296.10)
(6,650.40)
1,318.87
(52.78)
1,222.10
86.80
1,135.30
(232.03)
15.47
2,223.30
180.50
2,042.80
(422.12)
32.17
Bucket Structure
1 Day
15 days
14 days 28 days
29 days
3 Months
3 Months +
6 Months
1 Day
14 days
29 days
3 Months
3 Months +
6 Months
15 days
28 days
3 Months +
6 Months
3,731.30
(640.50)
3,090.80
6 Months +
1 Year
42,627.20
(1,088.50)
41,538.70
1 Year +
3 Years
(15,552.20)
10,851.40
(4,700.80)
3 Years +
5 Years
11,550.40
523.20
12,073.60
5 Years +
14,583.50
19,044.90
33,628.40
TOTAL
Rs Mn
63,403.70
30,787.50
94,191.20
5.33
0.10
2.86
2.68
0.48
1.64
7.07
1.46
4.42
7.70
1.14
4.60
9.34
47.07
9.79
2.37
0.19
2.34
5.90
30.54
6.19
7.70
2.86
7.64
18.00
15.88
7.43
2.85
25.08
6.23
33.58
10.17
1 Day
14 days
4.67
0.43
2.76
15 days
28 days
2.32
0.12
1.33
29 days
3 Months
7.18
2.00
4.85
3 Months +
6 Months
7.37
0.79
4.40
5.88
(2.08)
67.23
(3.54)
(24.53)
35.25
(15,050.90)
(32.40)
(15,083.30)
(18.83)
1.22
(29,215.00)
(37.40)
(29,252.40)
(36.55)
1.41
12,484.90
(155.50)
12,329.40
15.62
5.88
18.22
1.70
(10,104.10)
81.50
(10,022.60)
(12.64)
(3.08)
23.00
61.86
149,846.50
(2.30)
149,844.20
187.49
0.09
100.00
100.00
79,923.40
(2,646.20)
77,277.20
100.00
100.00
4.93
66.58
5.32
2.33
2.32
3.78
0.41
3.76
4.39
3.91
4.39
44.38
9.63
22.04
1.61
11.56
5.88
11.25
8.90
100.00
(665.50)
86.00
(751.50)
(7.80)
4.45
3 Months +
6 Months
243.60
287.40
(43.80)
2.85
14.86
6 Months +
1 Year
286.90
1,811.40
(1,524.50)
3.36
93.65
1 Year +
3 Years
13.80
(42.00)
55.80
0.16
(2.17)
3 Years +
5 Years
(9.10)
9.10
(0.47)
5 Years +
8,533.80
1,934.30
6,599.50
100.00
100.00
TOTAL
Rs Mn
1 Day
14 days
15 days
28 days
29 days
3 Months
3 Months +
6 Months
15,022.90
121.30
15,144.20
25.64
0.21
(20,823.20)
1,296.50
(19,526.70)
(35.54)
2.23
37,616.50
8,190.20
45,806.70
64.21
14.07
4,658.80
4,013.00
8,671.80
7.95
6.89
9,226.00
37,612.00
46,838.00
15.75
64.59
58,587.00
58,228.80
116,815.80
100.00
100.00
6.66
2.33
4.67
2.38
0.94
1.72
6.28
0.90
3.82
10.03
0.69
5.75
22,604.70
40,904.30
136,093.40
14,090.50
(146,106.60)
116,900.30
6.73
2.48
6.64
6.69
3,477.10
26,081.80
19.34
137.12
(58.40)
1,380.60
40,845.90 137,474.00
34.99
116.42
(2.30)
54.44
(404.20)
48.50
13,686.30 (146,058.10)
12.05
(124.98)
(15.94)
1.91
2,535.90
119,436.20
100.00
100.00
2.87
6.69
7.25
2.52
2.40
6.60
54.93
7.11
12.53
17.87
1.09
6.04
26.58
5.64
45.61
11.03
100.00
3,725.50
440.20
3,285.30
(99.45)
19.11
3 Months +
6 Months
(1,135.20)
(4.50)
(1,130.70)
30.30
(0.20)
6 Months +
1 Year
690.10
60.70
629.40
(18.42)
2.64
1 Year +
3 Years
12,842.00
(263.10)
12,578.90
18.35
(0.32)
15,182.50
(844.00)
14,338.50
21.70
(1.04)
7,020.30
(2,748.00)
4,272.30
10.03
(3.39)
(6,409.60)
(1,729.10)
(8,138.70)
(5.30)
(27.58)
(4,623.80)
1,192.10
(3,431.70)
(3.82)
19.02
(20,488.00)
2,709.80
(17,778.20)
(16.93)
43.23
152.20
40.10
112.10
(4.06)
1.74
3 Years +
5 Years
7,129.10
18,227.40
25,356.50
10.19
22.52
(555.10)
(8.50)
(563.60)
(0.46)
(0.14)
303.50
3.80
299.70
(8.10)
0.16
5 Years +
(3,746.00)
2,303.40
(6,049.40)
100.00
100.00
TOTAL
Rs Mn
1 Day
14 days
15 days
28 days
29 days
3 Months
3 Months +
6 Months
1,976.70
69,321.50
71,298.20
2.83
85.63
69,966.00
80,954.40
150,920.40
100.00
100.00
9.15
0.08
4.88
2.34
1.21
1.81
7.02
1.43
4.38
11.26
0.49
6.19
186,655.40
(47.70)
186,607.70
154.22
(0.76)
121,028.90
6,269.00
127,297.90
100.00
100.00
4.89
1.26
4.84
1.00
9.01
1.12
3.96
28.37
4.32
5.04
14.80
5.18
100.00
1,578.70
(532.80)
2,111.50
11.79
22.31
3 Months +
6 Months
1,052.10
(44.00)
1,096.10
7.86
1.84
6 Months +
1 Year
(425.80)
(236.30)
(189.50)
(3.18)
9.89
1 Year +
3 Years
(7.30)
53.30
(60.60)
(0.05)
(2.23)
3 Years +
5 Years
5,846.60
7,854.20
13,700.80
4.24
9.19
35,722.00
1,176.30
36,898.30
25.91
1.38
5,462.80
(2,464.00)
2,998.80
3.96
(2.88)
22,201.30
45,968.50
68,169.80
16.10
53.78
14,377.10
2,935.20
17,312.30
9.43
20.54
(15,606.60)
2,344.10
(13,262.50)
(10.23)
16.40
75,076.00
(1,345.00)
73,731.00
49.23
(9.41)
12,093.10
4,521.00
16,614.10
7.93
31.63
(262.30)
84.60
(346.90)
(1.96)
(3.54)
5 Years +
17,732.20
24,505.20
42,237.40
12.86
28.67
7,964.40
(0.60)
7,963.80
5.22
(0.00)
13,394.00
(2,388.70)
15,782.70
100.00
100.00
TOTAL
Rs Mn
34.43
10.35
1 Day
14 days
5.82
1.90
15 days
28 days
23.79
5.62
29 days
3 Months
27.82
7.91
3 Months +
6 Months
137,880.30
85,473.40
223,353.70
100.00
100.00
11.49
0.14
6.34
3.00
1.18
2.17
8.19
2.61
5.66
9.68
1.96
6.18
152,504.90
14,292.30
166,797.20
100.00
100.00
7.31
1.87
7.17
1.57
9.66
1.78
5.19
28.26
5.78
5.69
17.82
6.00
100.00
579.10
229.50
349.60
(109.95)
40.91
845.50
715.10
130.40
(160.53)
127.47
1,565.70
(292.50)
1,858.20
(297.27)
(52.14)
(60.40)
9.00
(69.40)
11.47
1.60
44.50
(71.30)
115.80
(8.45)
(12.71)
(526.70)
561.00
(1,087.70)
100.00
100.00
7.31
6.50
10.85
2.73
33.21
7.24
30.73
9.93
Cumulative Structure
6 Months +
1 Year
1 Year +
3 Years
3 Years +
5 Years
5 Years +
TOTAL
Rs Mn
6 Months +
1 Year
1 Year +
3 Years
3 Years +
5 Years
5 Years +
TOTAL
Rs Mn
10.18
1.75
6.19
41.48
7.08
25.22
11.06
12.85
11.91
14.50
75.15
43.17
100.00
100.00
100.00
5.33
0.10
2.86
8.01
0.58
4.50
15.08
2.03
8.91
22.78
3.17
13.51
32.96
4.92
19.71
74.44
12.00
44.92
11.45
3.10
11.35
57.63
10.97
57.08
3.76
5.18
3.78
1.85
0.10
1.83
100.00
100.00
100.00
9.34
47.07
9.79
11.71
47.26
12.14
17.62
77.80
18.33
25.31
80.65
25.97
36.76
83.75
37.32
94.39
94.73
94.40
15.45
22.45
0.45
41.66
0.62
0.13
100.00
100.00
18.00
15.88
25.43
18.73
50.51
24.96
84.10
35.13
99.55
57.59
100.00
99.25
6 Months +
1 Year
20.70
1.17
11.90
1 Year +
3 Years
29.31
10.15
20.67
3 Years +
5 Years
12.38
11.64
12.04
5 Years +
16.07
73.70
42.05
TOTAL
Rs Mn
100.00
100.00
100.00
1 Day
14 days
4.67
0.43
2.76
15 days
28 days
7.00
0.55
4.09
29 days
3 Months
14.18
2.56
8.94
3 Months +
6 Months
21.54
3.34
13.34
6 Months +
1 Year
42.25
4.52
25.24
1 Year +
3 Years
71.55
14.67
45.91
5.47
4.20
5.46
52.39
14.27
52.15
1.71
10.52
1.77
24.99
0.10
24.83
100.00
100.00
100.00
4.93
66.58
5.32
7.27
66.58
7.64
11.05
66.99
11.40
15.44
70.90
15.79
20.91
75.10
21.25
73.30
89.37
73.40
8.65
20.77
2.02
53.20
0.09
-
100.00
100.00
44.38
9.63
66.42
11.25
77.98
17.13
89.24
26.03
97.89
46.80
99.91
100.00
6 Months +
1 Year
1 Year +
3 Years
3 Years +
5 Years
5 Years +
TOTAL
Rs Mn
1 Day
14 days
15 days
28 days
29 days
3 Months
3 Months +
6 Months
6 Months +
1 Year
1 Year +
3 Years
12.51
1.35
7.40
34.39
10.82
23.59
11.73
10.82
11.32
16.02
72.14
41.74
100.00
100.00
100.00
6.66
2.33
4.67
9.03
3.27
6.39
15.32
4.17
10.21
25.34
4.86
15.96
37.86
6.22
23.36
72.24
17.04
46.94
10.02
62.27
3.31
1.86
100.00
6.73
9.21
15.85
22.54
32.56
94.83
1.71
9.95
29.66
61.98
0.39
3.28
0.80
1.85
100.00
100.00
2.87
6.69
10.12
9.22
12.52
15.82
67.45
22.93
69.16
32.88
98.81
94.86
1.93
16.38
8.37
42.63
1.38
0.36
2.51
0.03
100.00
100.00
12.53
17.87
13.62
23.92
40.19
29.56
85.81
40.59
87.74
56.97
96.11
99.60
6 Months +
1 Year
1 Year +
3 Years
3 Years +
5 Years
5 Years +
TOTAL
Rs Mn
1 Day
14 days
15 days
28 days
29 days
3 Months
3 Months +
6 Months
6 Months +
1 Year
1 Year +
3 Years
13.87
0.89
7.75
30.78
8.09
20.08
11.50
13.07
12.24
14.07
74.73
42.67
100.00
100.00
100.00
9.15
0.08
4.88
11.50
1.29
6.69
18.51
2.72
11.07
29.78
3.22
17.25
43.65
4.11
25.01
74.43
12.20
45.09
8.11
10.13
8.14
51.36
36.26
51.14
2.79
0.13
2.75
22.84
0.04
22.51
100.00
100.00
100.00
4.89
1.26
4.84
5.89
10.27
5.95
9.85
38.65
10.27
14.90
53.45
15.45
23.01
63.57
23.60
74.37
99.83
74.74
5.05
20.41
6 Months +
1 Year
2.29
51.69
1 Year +
3 Years
0.62
1.08
3 Years +
5 Years
0.16
1.02
5 Years +
100.00
100.00
TOTAL
Rs Mn
34.43
10.35
1 Day
14 days
40.26
12.25
15 days
28 days
64.05
17.88
29 days
3 Months
91.87
25.79
3 Months +
6 Months
96.92
46.20
6 Months +
1 Year
99.21
97.89
1 Year +
3 Years
16.59
0.97
9.51
24.72
6.24
16.33
12.54
19.94
15.90
13.79
66.96
37.92
100.00
100.00
100.00
11.49
0.14
6.34
14.49
1.31
8.51
22.67
3.93
14.17
32.35
5.89
20.34
48.94
6.86
29.85
73.66
13.10
46.18
5.40
13.42
5.61
51.05
12.24
50.05
3.55
16.70
3.89
20.23
0.02
19.71
100.00
100.00
100.00
7.31
1.87
7.17
8.88
11.54
8.95
14.08
39.80
14.74
19.77
57.62
20.74
25.17
71.04
26.35
76.22
83.29
76.40
8.55
26.95
8.62
45.35
0.39
1.11
0.34
0.19
100.00
100.00
7.31
6.50
18.15
9.23
51.36
16.47
82.10
26.40
90.64
53.35
99.26
98.70
85.50
24.85
56.83
100.00
100.00
100.00
98.15
99.90
98.17
100.00
100.00
100.00
100.00
99.87
100.00
100.00
3 Years +
5 Years
83.93
26.30
57.95
5 Years +
100.00
100.00
100.00
TOTAL
Rs Mn
75.01
99.90
75.17
100.00
100.00
100.00
100.00
100.00
100.00
100.00
3 Years +
5 Years
5 Years +
83.98
27.86
58.26
100.00
100.00
100.00
98.14
100.00
TOTAL
Rs Mn
99.20
98.15
100.00
100.00
97.49
99.97
100.00
100.00
3 Years +
5 Years
5 Years +
85.93
25.27
57.33
100.00
100.00
100.00
77.16
99.96
77.49
100.00
100.00
100.00
TOTAL
Rs Mn
99.84
98.98
3 Years +
5 Years
100.00
100.00
5 Years +
86.21
33.04
62.08
100.00
100.00
100.00
79.77
99.98
80.29
100.00
100.00
100.00
TOTAL
Rs Mn
99.66
99.81
100.00
100.00
period_months_qtr
Period (months)
Year end
share_of_associate_profit_qtr
minority_interests_pl_qtr
preference_dividend_qtr
net_income_qtr
tax_on_non_recurring_items_qtr
adjusted_net_profit_qtr
dividend_paid_qtr
tax_on_dividend_paid_qtr
wtd_avg_shares_qtr
3
3
Jun'02
Income Statement
Gross Sales
Excise Duty
Net Sales
Operating expenses
Raw material consumed
Stock Adjustment
Purchase of Finished Goods
Total Material Cost
Employee expenses
Other operating expenses
Operating profit
Other operating income
EBITDA
Depreciation
Total depreciation
Total amortisation
Other income
EBIT
Interest paid
Pre-tax profit (before non-recurring items)
Non-recurring items
Pre-tax profit (after non-recurring items)
Tax (current + deferred)
Tax provided
Deferred tax
Net profit
Prior period adjustments
Expenses
Taxation
Share of Associate Profit
Minority interests
Preference dividend
Net income
Tax on non-recurring items
Adjusted net profit
Dividend provided
Tax on dividend provided
Wtd avg shares (m)
Ratios: Fundamentals
Reported EPS (Rs)
Adjusted EPS (Rs)
Operating profit margin (%)
3
3
Sep'02
3
3
Dec'02
3
3
Mar'03
3
3
Jun'03
3
3
Sep'03
3
3
Dec'03
3
3
Mar'04
3
3
Jun'04
3
3
Sep'04
3
3
Dec'04
3
3
Mar'05
21747.949
26918.8
23623.3
24175.7
24945.7
26988.8
23800.8
25620
5954.882
11150.1
7118.8
6984.8
7149.9
7476.9
5445
5269.8
2525.082
2997.6
2598
2966.2
3226.7
4125.5
3142.7
3606.3
2525.082
2997.6
2598
2966.2
3226.7
4125.5
3142.7
3606.3
2525.082
2997.6
2598
2966.2
3226.7
4125.5
3142.7
3606.3
28.9
28.7
27.7
22.9
20.6
27.4
41.4
30.1
3
3
Jun'05
Last updated on 3
3
Sep'05
Dec'05
3
3
39758
3
3
Mar'06
Jun'06
3
3
3
3
Sep'06
3
3
Dec'06
3
3
Mar'07
3
3
Jun'07
3
3
Sep'07
3
3
Dec'07
25427.9
26828.4
26992.7
28904.1
29232
30591.9
32713.6
37127.9
37951.2
39308.9
41195.7
6445.1
6836.3
5483.6
9982.7
8787.2
8996.7
9566.6
8823.5
9331.3
8549.8
9913.5
3581.6
4220.4
3704.4
2886.7
3675.2
5049.9
4298.7
2377
4250.7
5384.8
5414.5
3581.6
4220.4
3704.4
2886.7
3675.2
5049.9
4298.7
2377
4250.7
5384.8
5414.5
3581.6
4220.4
3704.4
2886.7
3675.2
5049.9
4298.7
2377
4250.7
5384.8
5414.5
25.3
25.5
20.3
34.5
30.1
29.4
29.2
24.6
21.8
24.1
23.8
3
3
Mar'08
3
3
Jun'08
3
3
Sep'08
3
3
Dec'08
3
3
Mar'09
Jun'09
Sep'09
Dec'09
Mar'10
44170
45946.2
53131.8
62399.1 60981.426
61775.8
60758.6
62365.8 66303.796
12267.8
9824.2
13678.3
18059.4 15881.573
15693.4
16063
18182.1 19085.993
5437.6
5123.9
7070.9
10058.2
8655.873
8320.5
9269.6
10113.4 10621.063
5437.6
5123.9
7070.9
10058.2
8655.9
8320.5
9269.6
10113.4 10621.063
5437.6
5103.4
7039.6 9972.4358
8596.7
8320.5
9269.6
10113.4 10621.063
27.8
21.4
25.7
26.0
25.4
26.4
28.9
29.2
28.8
FY 04
77,797
41,550
36,247
16
18,669
54,916
22,556
32,359
34
13,514
18,846
6,608
35
12,238
28
13
(1,151)
11,087
32
FY 05 FY06
84,599
95,842
44,531
49,174
40,067
46,668
11
16
16,757
12,735
56,824
59,403
31,619
30,232
25,205
29,171
25
27
4,989
8,823
20,217
20,348
4,955
5,955
25
29
15,262
14,393
25
(6)
15
13
(1,161)
14,101
14,393
27
2
% Change
13
10
16
(24)
5
(4)
16
77
1
20
(6)
(100)
2
% Change
17
22
12
FY07
% Change
36
17
10
24
64
7
6
7
#DIV/0!
7
FY08E
142,650
87,309
55,342
6
19,976
75,317
35,255
40,062
25
7,103
32,959
12,472
38
20,488
33
13
20,488
33
FY09E
191,272
122,953
68,319
23
30,647
98,966
42,062
56,904
26
9,235
47,669
16,760
35
30,909
51
14
30,909
51
% Change
34
41
23
FY08E
FY09E
% Change
53
31
19
42
30
45
34
51
#DIV/0!
51
FY10E
214,669
129,440
85,229
25
35,653
120,882
47,619
73,263
29
14,215
59,048
19,994
34
39,054
26
16
39,054
26
FY 04
FY 05
FY06
53.4
8.7
4.9
4.1
3.8
52.6
7.7
4.5
3.7
3.3
51.3
7.3
4.2
3.6
3.2
(3)
(5)
(7)
(2)
(3)
53.6
7.6
4.4
3.5
3.2
4
3
6
(2)
0
61.2
8.2
5.4
3.2
2.8
64.3
8.9
6.1
3.2
2.7
5
9
14
(0)
(2)
60.3
8.2
5.3
3.2
2.9
34.0
29.6
2.4
0.6
29.5
41.3
2.8
0.6
21.4
59.1
2.2
0.6
(27)
43
(20)
(8)
24.9
56.1
2.2
0.6
16
(5)
(3)
14
26.5
55.4
2.0
0.6
31.0
44.9
1.9
0.6
17
(19)
(3)
1
29.5
47.2
1.8
0.6
1.3
29.2
0.5
12.1
1.3
24.3
1.1
20.7
1.1
17.0
1.0
15.4
(21)
(30)
(16)
(26)
1.0
16.0
0.8
13.5
(6)
(6)
(12)
(12)
1.1
19.6
1.0
16.9
1.4
25.8
1.2
22.1
22
32
21
31
1.4
26.6
1.2
22.9
23.7
0.2
28.5
0.3
33.9
0.2
19
(5)
41.5
0.3
22
8
50.9
0.4
64.2
0.5
26
50
75.3
0.7
XXXXXXXXXX Bank
% Change
FY07
112,361
60,229
52,132
12
17,304
69,436
33,262
36,174
28
14,483
21,691
6,291
29
15,401
7
12
15,401
7
FY10E
% Change
12
5
25
FY 04
88,205
421,255
472,247
8,998
32,612
#######
FY 05
110,890
506,728
604,128
9,652
31,014
########
FY06
247,917
410,553
746,274
10,302
37,628
#######
FY07
156,455
451,898
965,965
10,098
39,808
#######
FY08E
188,307
539,917
#######
23,155
43,808
#######
FY09E
214,131
633,852
#######
23,971
50,202
#######
2,653
50,118
879,164
36,469
57,566
#######
3,153
81,613
########
50,612
98,519
########
3,153
93,764
#######
86,222
75,839
#######
3,153
104,355
#######
56,437
64,837
#######
3,153
123,183
#######
116,114
86,334
#######
3,153
146,536
#######
124,597
100,448
#######
% Change
14
17
29
4
15
24
-
FY10E
234,736
777,245
#######
25,135
63,201
#######
19
26
7
16
24
3,153
177,229
#######
192,624
103,177
#######
FY 04
FY 05
FY06
FY07
FY08E
FY09E
% Change
FY10E
16.0
17.4
17.3
27.9
16.0
23.5
16.9
29.4
19.0
23.7
26.0
29.5
36.79
24.23
18.9
20.6
9.1
1.0
93.4
9.6
5.8
0.2
103.6
1.5
4.0
0.3
102.3
2.3
3.4
0.8
91.4
7.2
2.7
0.6
94.6
7.0
1.6
0.2
113.8
2.2
(41.25)
(70.13)
20.36
(68.26)
1.7
0.5
89.9
6.0
18.3
44.0
53.7
57.8
38.7
-
13.3
44.2
58.6
86.5
40.1
10.2
13.7
45.7
62.4
86.1
27.0
19.3
13.9
44.4
69.1
108.9
25.9
10.8
14.5
40.2
71.8
86.1
25.3
10.6
15.2
36.7
73.8
81.3
24.8
9.6
4.91
(8.78)
2.73
(5.60)
(1.75)
(8.88)
15.2
37.9
74.8
80.6
24.7
8.7
FY 04
46.1
15.1
19.1
176.8
166.0
4.0
8.7
FY 05
52.6
14.0
44.8
248.9
246.5
5.5
11.4
FY06
45.6
(13.2)
41.3
287.8
283.5
6.0
13.1
FY07
48.8
7.0
41.2
321.6
306.9
10.0
20.5
FY08E
65.0
33.0
56.0
342.0
326.6
13.0
20.0
FY09E
98.0
50.9
83.9
416.7
410.5
20.0
20.4
% Change
50.87
49.85
21.86
25.68
53.85
1.98
FY10E
123.9
26.4
106.7
514.8
493.9
22.0
17.8
% Change
10
23
21
5
26
20
21
19
55
3
20
% Change
(27.49)
(30.00)
s
179.19
(21.04)
172.63
(0.06)
3.44
1.48
(0.83)
(0.38)
(9.30)
% Change
26.35
27.27
23.52
20.31
10.00
(12.94)
Date
Rs mn
FY01
Liab b/f
Liability
Liab C/f
FY02
FY03
FY04
FY05
FY06
FY07
-
Year End
FY 2004
FY 2003
FY 2002
FY 2001
FY 2000
FY 1999
FY 1998
FY 1997
FY 1996
FY 1995
FY 1994
FY 1993
FY 1992
FY 1991
Dividend Rs mn
Dividend(%)
Dividend Yield
Principal Financial
Principal Financial Group (Des Moines, USA)
Principal PNB Asset Management Company
Principal Financial Group (Mauritius) Limited
(Principal Mauritius)
Punjab National Bank
Vijaya Bank
Shareholding
Shareholding
Shareholding
65%
30%
5%
65%
30%
5%
26%
30%
19%
25%
7647.8
30%
306
32
10
Price (Rs)
shares outstanding (mn)
US$ exchange rate (Rs)
Date
Year to March
P&L Data (Rs mn)
Net Interest Income
Pre Provision Profits
Net Profit
2005
2006
2007E
2008E
40,067.41
25,205.37
14,101.17
10.54
(22.11)
27.19
46,667.66
29,171.14
14,393.04
16.47
15.73
2.07
52,132.34
36,174.03
15,400.83
11.71
24.01
7.00
55,341.56
40,062.39
20,487.59
3.66
(9.82)
3.57
(2.41)
3.51
(1.55)
3.18
103.64
10.94
102.32
(1.28)
91.43 (10.65)
94.57
1,262,412.81
Shareholders Funds
Per Share Data (Rs)
Normalised EPS
Adjusted BV
Dividend Per Share
Returns
ROA
RONW
23.36 ###########
15.07 1,624,224.97
11.81 1,990,203.61
62.84
93,763.60
14.89
104,354.60
11.30
123,183.46
44.77 134.56
246.50
48.53
5.52
38.11
41.30
283.51
6.00
(7.73)
15.01
8.61
41.25
306.89
10.00
(0.14)
8.25
66.67
55.97
326.65
13.00
1.34
2.88
24.34 (16.52)
1.06
17.01
(20.61)
(30.12)
1.00
16.03
(5.58)
(5.77)
1.13
19.58
81,612.99
Share Data
Market Cap
Rs bn
$ mn
Rs
Rs
Price
Target Price
Reuters Code
Bloomberg Code
Daily Vol
Rs mn
$ mn
mn
Issued Share
Valuation Ratios
EPS (Rs)
+ / - (%)
PER (x)
P/BV (X)
P/ TA-ABV (X)
Dividend Yield (%)
2005
52.57263027
13.97297497
0
0
0
#DIV/0!
Promoters
Institutions
Foreign
Public
Others
2006
45.64835357
-13.1708775
0
0
0
#DIV/0!
2007E
48.84460478
7.00189814
0
0
0
#DIV/0!
2008E
64.9775755
33.02917649
0
0
0
#DIV/0!
Relative Performance
Share price
Sensex
Since Jan 2003
CAGR %*
*FY05-08E
6.16
11.37
10.75
16.70
33.03
13.26
(9.56)
3.43
22.53
16.39
18.04
14.71
35.69
6.44
30.00
7.73
9.84
33.01
13.25
22.17
12.81981421
Stock Price
Shares Outstanding
52 Week High
52 Week Low
#####
Listed on
BSE
NSE
Valuations
#DIV/0!
Year to March
#DIV/0!
EPS (Rs.)
+/- %
PER (X)
19.2
BV (Rs.)
P/BV (X)
1m
Performance (%) - Non Annualised
Absolute
Relative
Free Float
Foreign/Free Float
3m 12m
#REF!
#REF!
2000
2001
2002
2003
2004E
32.5
69.1%
-
31.9
-1.8%
-
40.1
25.6%
-
90.34
-
#####
-
#####
-
#####
-
176.81
-
248.93
-
287.79
-
321.65
-
0.02
-
21.27
-
50.32
-
82.04
-
159.89
-
245.14
-
281.12
-
298.63
-
34.79
-
55.21
-
81.66
-
#####
-
165.96
-
246.50
-
283.51
-
306.89
-
2.36
#DIV/0!
2.50
#DIV/0!
3.00
#DIV/0!
3.50
#DIV/0!
4.00
#DIV/0!
5.52
#DIV/0!
6.00
#DIV/0!
10.00
#DIV/0!
46.1
15.1%
-
2005E
52.6
14.0%
-
2006E
45.6
-13.2%
-
2007E
48.8
7.0%
-
440
PRICE
367 DATE
Beta
0.9
Adjusted Beta
RF
1.8
600.5
14.0
1.6
523.7
1.7
550.7
14.5
1.5
483.6
1.6
508.6
15.0
1.4
449.2
1.4
472.4
15.5
1.3
419.4
1.4
441.0
16.5
FY07E
FY08E
15.5
18.7
8.0
8.0
8.0
1.14
1.64
ABV
283.6
306.5
326.2
Price
368.4
349.7
533.5
Upside (%)
0.4
(4.7)
ABV'
ABV
FY05
45.4
x
Target
326
FY06E
1.1
FY07E
358.8
FY08E
EPS (Rs.)
BV (Rs)
ABV (Rs)
Price
367
Target
Upside
534
45
PER
#DIV/0! #DIV/0!
#DIV/0!
#DIV/0!
P/BV
#DIV/0! #DIV/0!
#DIV/0!
#DIV/0!
P/ABV
#DIV/0! #DIV/0!
#DIV/0!
#DIV/0!
Relative valuation
FY06
CanBk
UBI
CorpBk
PNB
SBI
EPS (Rs)
Book Value (Rs)
Adj Book Value (Rs)
Net NPAs (%)
ROANW (%)
ROA (%)
PER (X)
#DIV/0! #DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
PABV (X)
#DIV/0! #DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
PRICE
Price
571.0
1.30
P/ABV
18.2
1.8
14.5
Price
13.5
FY06
ROE
17.7
COE
8.0
RP
COE
ROE
0.9
18.7
Price
19.2
Price
19.7
Price
1.9
630.0
2.0
659.5
2.1
689.0
1.8
577.8
1.9
604.8
1.9
631.9
1.6
533.5
1.7
558.5
1.8
583.5
1.5
495.6
1.6
518.8
1.7
542.0
1.4
462.7
1.5
484.4
1.6
506.0