Copy of Bala Chapter2 Da-1

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current ratio IOB INDIAN BANK

year current asset current liability current ratio year

2007-2008 10341.32 6323.84 1.63 2007-2008

2008-2009 10921.9 7258.26 1.5 2008-2009

2009-2010 9824.64 3794.9 2.59 2009-20102010-2011 12018.66 4875.19 2.46 2010-2011

2011-2012 16261.1 5672.5 2.87 2011-2012


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ratio analysis of oth 3 banks


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year

2007-2008

2008-20092009-2010

2010-2011

2011-2012

2007-2008

2008-2009

2009-20102010-2011

2011-2012


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2007-2008

2008-2009

2009-2010

2010-2011

2011-2012

2007-2008

2008-2009

2009-2010

2010-2011

2011-2012

year

2007-2008

2008-2009

2009-2010

2010-20112011-2012

year

2007-2008

2008-2009

2009-2010

2010-2011

2011-2012


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iob ratios

current asset current liability current ratio HDFC BANK current asset current liability

4817.75 2967.72 1.623384282 2007-2008 14666.49 16431.91

6772.82 3873.22 1.748627757 2008-2009 15343.08 22720.62

6683.82 3932.19 1.699770357 2009-2010 29942.4 20615.948562.31 4292.65 1.994644334 2010-2011 29668.83 28992.86

8813.36 4941.1 1.783683795 2011-2012 20937.73 37431.87

hdfc2007-2008 2008-2009 2009-2010 2010-2011 2011-2012

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IOB INDIAN BANK HDFC BANK ICICI BANK


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icci


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hdfc icci


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ICICI BANK

current ratio year current as current liabcurrent ratio

0.89256149 2007-2008 38041.13 42895.39 0.886835

0.67529319 2008-2009 29966.56 43746.43 0.685006

1.45239072 2009-2010 38873.69 15501.18 2.5077891.02331505 2010-2011 34090.08 15986.35 2.132449

0.5593557 2011-2012 36229.31 17576.98 2.061179


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shareholderfund total tangible asset

2007-2008 4856.67 10185.9732008-2009 7150.96 12107.34

2009-2010 7524.58 13109.64

2010-2011 9324.93 17878.427

2011-2012 11927.66 21964.817

2007-20080

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56

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iob overall solvency ratio

ratio total debt total tangible asset ratio total debt total tangible asse ratio

0.4767998109 6,232.92 7,050.77 0.8840056856 10524.75 13,317.66 0.7902850.5906301467 7,311.26 8,412.17 0.8691285986 14549.74 18,237.08 0.797811

0.5739730458 8,918.50 10,138.93 0.8796293337 180320.1 22,245.86 8.105785

0.5215744092 1,079.05 12,171.83 0.0886510419 22298.05 27,735.26 0.80396

0.5430347997 1,256.77 14,141.92 0.0888681311 27055.3 33,790.95 0.800667

008-2009 2009-2010 2010-2011 2011-2012

Chart Title

iob Indian bank hdfc icci


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icci

total debt total tangible asseratio

31007.948 37930.096 0.81750228567.151 36339.971 0.786108

29628.017 40623.367 0.729334

33515.639 47364.709 0.707608

39566.487 53679.469 0.737088


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properitory ratio

debt shareholderatio shareholde total tangi ratio

2007-2008 9067.923 4856.67 1.867107 5,210.78 7,050.77 0.739037

2008-2009 10666.42 7150.96 1.491606 7,135.92 8,412.17 0.848285

2009-2010 11977.69 7524.58 1.591809 8,272.11 10,138.93 0.8158762010-2011 16458.42 9324.93 1.764991 9,521.10 12,171.83 0.782224

2011-2012 20204.8 11927.66 1.693945 10,801.43 14,141.92 0.763788

2007-2008 2008-2009 2009-2010 2010-2011 2011-20

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iob indian bank hdfc icici


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shareholde total tangi ratio shareholde total tangi ratio

11,497.23 13,317.66 0.863307 46820.21 37930.1 1.234382

15,052.73 18,237.08 0.825392 49883.02 36339.97 1.372676

21,522.49 22,245.86 0.967483 52733.26 40623.37 1.29810225,379.27 27,735.26 0.915054 55090.64 47364.71 1.163116

29,924.68 60402.86 53679.47 1.125251

012


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hdfc icci

debt shareholderatio debt shareholderatio

10524.75 14972.3 0.702948 31007.95 46820.21 0.662277

14549.74 15052.73 0.966585 28567.15 49883.02 0.572683

180320.1 21,522.49 8.378219 29628.02 52733.26 0.56184722298.05 25,379.27 0.878593 33515.64 55090.64 0.608373

27055.3 29,924.68 0.904113 39566.49 60402.86 0.655043

0 2010-2011 2011-2012

itle

hdfc icci


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capital turnover ratio hdfc

overall solvency ratio

total debt total tangi ratio income capital em ratio income

2007-2008 9067.923 10185.97 0.890236 6,218.67 9194.651 0.676336 12,320.382008-2009 10666.42 12107.34 0.880988 7,865.77 12282.45 0.640407 19,802.89

2009-2010 11977.69 13109.64 0.913655 9,030.78 14486.72 0.623383 19,983.52

2010-2011 16458.42 17878.43 0.920574 10,542.92 17046.09 0.618495 24,361.72

2011-2012 20204.8 21964.82 0.919871 13,463.48 19833.79 0.678815 32,619.76

2007-2008 2008-2009 20090

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iob ib h


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icci

capital em ratio income capital em ratio

17839.92 0.690607 39,667.19 69381.82 0.57172324941.04 0.793988 39,210.31 71714.11 0.546759

41377.54 0.482956 32,999.36 69738.93 0.473184

49466.68 0.492487 33,082.96 76727.52 0.431175

60186.2 0.541981 41,450.75 85778.02 0.483233

2010 2010-2011 2011-2012

Title

fc icici


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capital gearing ratio capital gealongtrm loaequity shar

2007-2008 longtrm loaequity sha ratio

2008-2009 6042.384 4856.67 1.244141 4383.871 5,210.78

2009-2010 74885.27 7150.96 10.47206 5546.528 7,135.92

2010-2011 7900.393 7524.58 1.049945 6614.613 8,272.11

2011-2012 11183.3 9324.93 1.19929 7924.991 9,521.10

14072.44 11927.66 1.179816 9432.36 10,801.43

2007-2008 2008-2009 2009-2010 2010-2011 2011-2012

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iob ib hdfc icici


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ring ratio hdfc icciratio longtrm loaequity sharratio longtrm loaequity sha ratio

0.841308 6342.69 11,497.23 0.551671 22911.61 46,820.21 0.489353

0.777269 9888.305 15,052.73 0.656911 22181.09 49,883.02 0.444662

0.799628 12583.06 21,522.49 0.584647 18470.56 51,618.37 0.357829

0.832361 15998.27 25,379.27 0.630368 21986.59 55,090.93 0.399096

0.873251 19542 29,924.68 0.65304 25722.77 60,405.25 0.425837


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f a tratio hdfc

fixed asse ratio

net fixed a long term f ratio net fixed a long term f ratio net fixed a

2007-2008 2544.76 7006.974 0.363175 1878.63 9194.651 0.204318 5306.12008-2009 3949.85 8572.986 0.460732 3087.45 12282.45 0.251371 7703.65

2009-2010 4505.51 9025.611 0.499192 2773.77 14486.72 0.19147 7683.57

2010-2011 6217.19 12556.67 0.49513 3050.7 17046.09 0.178968 16274.32

2011-2012 6985.69 15868.38 0.440227 4225.32 19833.79 0.213036 23526.31

2007-2008 2008-2009 200

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iob ib


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icci

long term f ratio net fixed a long term f ratio

17839.92 0.297428 24105.17 69381.82 0.34742824941.04 0.308875 27286.64 71714.11 0.380492

34135.55 0.22509 21808.12 69738.93 0.312711

41377.54 0.393313 20529.29 76727.52 0.267561

49466.68 0.475599 23605.55 85778.02 0.275193

9-2010 2010-2011 2011-2012

t Title

dfc icici


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op exp ratio operating expenses ra

opexp ni/total inc ratio year operating expenses n ratio

2007-2008 1610.73 9043.71 17.81 2007-2008 1,749.87 6,218.67 28.138982008-2009 2307.2 11354.47 20.32 2008-2009 1,428.79 7,865.77 18.16466

2009-2010 3385.96 11442.36 30 2009-2010 2,122.35 9,030.78 23.50129

2010-2011 3606.12 13379.49 26.95 2010-2011 2,639.96 10,542.92 25.04012

2011-2012 4633.23 19613.1 23.62 2011-2012 2,939.69 13,463.48 21.83455

2007-2008 2008-2009 2009-20100

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iob ib hdfc i


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tio

operating expenses n ratio operating expenses n ratio

3,935.28 12,320.38 31.94122 10,855.18 39,667.19 27.365647,290.66 19,802.89 36.81614 10,795.14 39,210.31 27.53138

7,703.41 19,983.52 38.54881 10,221.99 32,999.36 30.97633

8,045.36 24,361.72 33.0246 8,594.16 33,082.96 25.9776

9,241.64 32,619.76 28.33142 8,843.63 41,450.75 21.33527

2010-2011 2011-2012

e

cici


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fatoratio

fatratio (turnover)

income netfixed as ratio year net incomenet fixed a ratio

2007-2008 9043.71 2544.76 3.553856 2007-2008 6,218.67 1878.63 3.3102152008-2009 11354.47 3949.85 2.874659 2008-2009 7,865.77 3087.45 2.547659

2009-2010 11442.36 4505.51 2.539637 2009-2010 9,030.78 2773.77 3.255778

2010-2011 13379.49 6217.19 2.152016 2010-2011 10,542.92 3050.7 3.455902

2011-2012 19613.1 6985.69 2.807611 2011-2012 13,463.48 4225.32 3.186381

2007-2008 2008-2009 2009-20100

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iob ib hdfc ici


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hdfc icci

net incomenet fixed a ratio net incomenet fixed a ratio

12,320.38 5306.1 2.321928 39,667.19 24105.17 1.64558819,802.89 7703.65 2.570585 39,210.31 27286.64 1.436978

19,983.52 7683.57 2.600812 32,999.36 21808.12 1.513168

24,361.72 16274.32 1.496942 33,082.96 20529.29 1.6115

32,619.76 23526.31 1.386523 41,450.75 23605.55 1.755975

2010-2011 2011-2012

ci


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np ratio ib

np ratio

net profit ni/ti year net profit net income ratio

2007-2008 1202.34 9043.71 13.29 2007-2008 1,089.43 6,218.67 17.5187

2008-2009 1325.79 11354.47 11.68 2008-2009 1,329.58 7,865.77 16.903372009-2010 706.96 11442.36 6.18 2009-2010 1,641.08 9,030.78 18.17207

2010-2011 1072.54 13379.49 8.02 2010-2011 1,801.98 10,542.92 17.09185

2011-2012 1050.13 19613.1 5.35 2011-2012 1,835.70 13,463.48 13.63466

2007-2008 2008-2009 20

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iob ib


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hdfc

net profit net incomeratio net profit net incomeratio

1,590.18 12,320.38 12.90691 4,157.73 39,667.19 10.48153

2,244.94 19,802.89 11.33643 3,758.13 39,210.31 9.5845452,948.70 19,983.52 14.75566 4,024.98 32,999.36 12.19715

3,926.40 24,361.72 16.11709 5,151.38 33,082.96 15.5711

5,167.09 32,619.76 15.84037 6,465.26 41,450.75 15.59745

09-2010 2010-2011 2011-2012

rt Title

hdfc icici


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ib hdfc

opratio

op ni/tincome ratio op ni/tincome ratio op ni/tincome

2007-2008 4955.5 9043.71 54.79 2,520.40 6,218.67 40.52957 4841.22 12,320.382008-2009 5891.34 11354.47 52 4122.9 7,865.77 52.41572 10159.74 19,802.89

2009-2010 4510.67 11442.36 39 4073.71 9,030.78 45.10917 3425.98 19,983.52

2010-2011 5464.86 13379.49 41 4470.67 10,542.92 42.40448 5763.53 24,361.72

2011-2012 9408.86 19613.1 48 6709.79 13,463.48 49.83697 11457.54 32,619.76

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iob ib hdfc ici


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icci

ratio op ni/tincome ratio

39.2944 17365.13 39,667.19 43.7770651.30433 16367.53 39,210.31 41.74292

17.14403 12105.07 32,999.36 36.68274

23.65814 14076.81 33,082.96 42.55003

35.12454 20954.65 41,450.75 50.55313

2010-2011 2011-2012

ci


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return on investment ratio return on investment

year operating profit capital employed ratio year operating profit

2007-2008 4955.5 7120.944 69.59 2007-2008 2,520.40

2008-2009 4891.34 8693.943 67.76 2008-2009 4122.92009-2010 4510.67 9143.171 49.33 2009-2010 4073.71

2010-2011 5464.86 11993.67 45.56 2010-2011 4470.67

2011-2012 9408.86 15185.51 62 2011-2012 6709.79

2007-2008 2008-2009 20090

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Char

iob ib h


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indian bank hdfcbank iccibank

capital employed ratio operating profit capital employed ratio operating profit

9194.651 27.41159 4,841.22 17839.92 27.13701 17365.13

12282.448 33.56741 10159.74 24941.035 40.73504 16367.5314486.723 28.1203 3425.98 41377.537 8.279807 12015.07

17046.091 26.22695 5763.53 49466.683 11.65134 14076.81

19833.79 33.8301 11457.54 60186.204 19.03682 20954.65

-2010 2010-2011 2011-2012

Title

dfc icici


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capital employed ratio

69381.818 25.02836

71714.105 22.8233169738.93 17.22864

76727.52 18.34649

85778.016 24.42893


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return on eqsh fund return on e (ib)

net profit equity own ratio year net profit equity own ratio net profit

2007-2008 1202.34 4856.67 25 2007-2008 1,089.43 5,210.78 20.91 1,590.182008-2009 1325.79 7150.96 18.54 2008-2009 1,329.58 7,135.92 18.63 2,244.94

2009-2010 706.96 7524.58 9.39 2009-2010 1,641.08 8,272.11 19.84 2,948.70

2010-2011 1072.54 9324.93 11.5 2010-2011 1,801.98 9,521.10 18.93 3,926.40

2011-2012 1050.13 11927.66 8.8 2011-2012 1,835.70 10,801.43 16.99 5,167.09

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iob ib hdfc icici


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equity own ratio net profit equity own ratio

11,497.23 13.83098 4,157.73 46,820.21 8.88020415,052.73 14.91384 3,758.13 49,883.02 7.533886

21,522.49 13.70055 4,024.98 51,618.37 7.797573

25,379.27 15.47089 5,151.38 55,090.93 9.350686

29,924.68 17.26698 6,465.26 60,405.25 10.70314

-2011 2011-2012


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rototal ass ib

roaratio

year np aftax+intotalasset ratio year net profit +itotal asset ratio

2007-2008 9170.59 10185.97 90.03156 2007-2008 6159.52 7050.768 87.359562008-2009 10967.19 12107.34 90.58299 2008-2009 8075.65 8412.174 95.99956

2009-2010 10952.73 13109.64 83.54715 2009-2010 9402.05 10138.93 92.73215

2010-2011 13174.01 17878.43 73.68663 2010-2011 11075.1 12171.83 90.9896

2011-2012 18947.21 21964.82 86.26163 2011-2012 13986.59 14141.92 98.90163

2007-2008 2008-2009 2009-2010 2010-20

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100

120

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iob ib hdfc icici


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hdfc icci

net profit +itotal asset ratio net profit +itotal asset ratio

11705.18 13,317.66 87.89217 34946.07 37930.1 92.1328318577.2 18,237.08 101.865 34850.68 36339.97 95.90178

1912.16 22,245.86 8.595578 29731.91 40623.37 73.18918

23854.61 27,735.26 86.00824 31125.43 47364.71 65.71439

32453.44 33,790.95 96.04181 40007.91 53679.47 74.53112

011 2011-2012


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gross profi

gp net income/totalincom year gross profitnet income

2007-2008 2679.46 9043.71 3 2007-2008 1991.7 6,218.67

2008-2009 2869.29 11354.47 25.27 2008-2009 2608.51 7,865.772009-2010 3167.86 11442.36 28 2009-2010 3303.88 9,030.78

2010-2011 4208.03 13379.49 31 2010-2011 4036.11 10,542.92

2011-2012 5016.17 19613.1 26 2011-2012 4419 13,463.48

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iob ib hdfc ici


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ib hdfc icci

gross profit

ratio gross profi net incomeratio gross profi net incomeratio

32.02775 5227.88 12,320.38 42.43278 7304.1 39,667.19 18.41345

33.16281 7421.16 19,802.89 37.47514 8366.62 39,210.31 21.3378136.58466 8386.6 19,983.52 41.96758 8114.66 32,999.36 24.59036

38.28266 10543.13 24,361.72 43.27745 9016.9 33,082.96 27.25542

32.82212 12296.77 32,619.76 37.6973 10734.15 41,450.75 25.89615

2010-2011 2011-2012

ici

Documents

Copy of Bala Chapter2 Da-1