8/22/2019 1005 Project of Idbi 5

1/22

0

200

400

600

800

1000

1200

2007-08

2008-092009-10

PAT(in crores)PAT(in crores)

STRENGHTS:

A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

2/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

3/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

4/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

5/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

6/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

7/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

8/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

9/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

10/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

11/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

12/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

13/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

14/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

15/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

16/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

17/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

18/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

19/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

20/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

21/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.330

200400

600

800

1000

1200

2007-08

2008-09

2009-10

PAT(in crores)PAT(in crores)

STRENGHTS:A well diversified customer profile, including blue chip companies, SMEs, high net worth

individual, retail customers, trusts, self help groups, etc.

A strong capital base with a capital adequacy ratio of 11.31% well above the regulatory

minimum of 9% which ensures that it is well placed for growth of business.

IDBI has been a robust builder and has helped erect many reputed institutions like EXIM,

SIDBI, NSE, CARE etc.

The value of Non performing assets as a percentage of net advances has decreased rapidly18

8/22/2019 1005 Project of Idbi 5

22/22

0

0.2

0.4

0.6

0.8

1

1.2

1.4

2006-072007-08

2008-09

NPA(as % of net advances)NPA(as % of net advances)

Fig.3(b): Graph showing that the value of NPA(Non performing asset) for the given 3 financial years

Conclusion: NPA has decreased rapidly from 1.12 in 2007 to 0.92 in 2009 which is a good sign that

the loans are being recovered efficiently.

WEAKNESS:

No doubt the NPA has decreased, but still it is higher if compared to other banks.

Bank NPA(as % of Net advances) as on

31st March 2010

Punjab National Bank 0.17

State Bank 1.20

Axis Bank 0.40

HDFC Bank 0.63

ICICI Bank 2.09

YES bank 0.33