CONTENTS€¦ · · 2013-03-1028 Gross NPA 44,957 59,927 74,664 117,262 29 Net NP A 21,047 29,643 36,055 59,162 ... Sl Name of the Bank 2008-09 2009-10 2010-11 2011-12 ... 14 Punjab

CONTENTS

PUBLIC SECTOR BANKS

S.No. Particulars Page No.

A Performance – Key Parameters I

B Performance – At a Glance II

1 Paid up Capital 1

2 Reserves & Surplus 2

3 Owned Funds 3

4 Deposits 4

5 Deposit – Market share in % 5

6 Investments 6

7 Advances 7

8 Advances – Market share in % 8

9 Interest Earned 9

10 Other Income 10

11 Total Income 11

12 Interest Expended 12

13 Operating Expenses 13

14 Total Expenditure 14

15 Operating Profit / Loss 15

16 Provisions & Contingencies 16

17 Net Profit / Loss 17

18 Total Branches 18

19 Total Branches – Market share in % 19

20 Total Staff 20

21 Total Staff – Market share in % 21

22 Branches – Area wise - Rural 22

23 Branches – Area wise – Semi Urban 23

CONTENTS

PUBLIC SECTOR BANKS


24 Branches – Area wise – Urban 24

25 Branches – Area wise – Metropolitan 25

26 Branches – Area wise – Abroad 26

27 Number of Staff – Officers 27

28 Number of Staff – Clerks 28

29 Number of Staff – Sub-staff 29

30 Number of ATMs 30

31 Capital Adequacy Ratio 31

32 Gross NPA 32

33 Net NPA 33

34 Movement of Provisions for NPA 34

35 Provisions Coverage Ratio 35

36 Total Exposure to Top Four NPA Accounts 36

CONTENTS

PRIVATE SECTOR BANKS


37 Paid up Capital 37

38 Reserves & Surplus 38

39 Owned Funds 39

40 Deposits 40

41 Deposits - Market share in percentage 41

42 Investments 42

43 Advances 43

44 Advances - Market share in percentage 44

45 Interest Earned 45

46 Other Income 46

47 Total Income 47

48 Interest Expended 48

49 Operating Expenses 49

50 Total Expenditure 50

51 Operating Profit 51

52 Provisions & Contingencies 52

53 Net Profit 53

54 Total Branches 54

55 Total Branches - Market share in percentage 55

56 Total Staff 56

57 Total Staff - Market share in percentage 57

58 Number of Branches – Rural 58

59 Number of Branches – Semi Urban 59

60 Number of Branches – Urban 60

61 Number of Branches – Metropolitan 61

62 Number of Branches – Abroad 62

63 Number of Officers 63

64 Number of Clerks 64

65 Number of Sub-staff 65

66 Number of ATMs 66

67 Capital Adequacy Ratio - as per Basel II 67

68 Gross NPA 68

69 Net NPA 69

70 Provisions made for NPA 70

71 Provisions Coverage Ratio 71

72 Total exposure to top four NPA Accounts 72

73 Accounts Restructured Under CDR 73

CONTENTS

FOREIGN BANKS


74 Deposits 74-75

75 Investments 76-77

76 Total Assets 78-79

77 Advances 80-81

78 Gross NPA 82-83

79 Net NPA 84-85

80 Interest Income 86-87

81 Other Income 88-89

82 Total Income 90-91

83 Interest Expended 92-93

84 Operating Expenses 94-95

85 Total Expenditure 96-97

86 Operating Profits 98-99

87 Provisions & Contingencies 100-101

88 Net Profit 102-103

89 Business per Employee 104-105

90 Profit per Employee 106-107

91 Capital Adequacy Ratio 108-109

CONTENTS

GENERAL


92 Trends in Non Performing Assets - Bank Group - Wise 110

93 Phase - Wise Timeline for Basel III Implementation 111

94 Trends Income & Expenditure of Scheduled Commercial Banks 112

95 Return on Equity Analysis of Profitability : 2011 - 12 113

96 Trends in Provisions for Non Performing Assets - Bank Group - Wise 114

97 Sector Wise NPAs of Domestic Banks 115

98 Sectoral Deployment of Gross Bank Credit 116

99 Priority Sector Lending by Banks 117

100 Overseas Operations of Indian Banks 118

101 Credit and Debit Cards issued by Scheduled Commercial Banks 119

102 Region-wise complaints Received at Banking Ombudsman offices 120

103 Select Indicators of Fina. Inclusion - Cross Country Comparison 121

104 Region-Wise & Population Group-Wise New Bank Branches

opened during - 2011 -12 122

105 Number of ATMs of SCBs at Various Locations 123

106 Progress in Roadmap for Providing Banking Outlets in Villages

with Population of more than 2009 124

107 Progress Under Financial Inclusion Plans 125

108 Consolidated Balance Sheet of Regional Rural Banks 126

109 Financial Performance of Regional Rural Banks 127

110 Purpose - Wise Distribution of Credit from Regional Rural Banks 128

Performance of Public Sector Banks – Key Parameters

(Rs. In Crores)

SI. No. 31-03-2009 31-03-2010 31.03.2011 31.03.2012

1 Total Deposits 31,12,748 36,92,019 43,72,985 5,002,013

2 Total Advances 22,60,155 27,01,019 33,05,632 3,878,312

3 Total investments 10,12,666 12,15,598 13.28,534 1,504,076

4 Total Assets 37,66,717 44,40,827 52,93,817 6,037,982

5 Interest Income 2,73,428 3,05,982 3,66,318 484,740

6 Interest Expended 1,93,447 2,11,940 2,31,153 328,539

7 Total Income 3,15,608 3,54,876 4,14,183 535,098

8 Total Expenditure 2,48,636 3,15,619 3,69,283 485,584

9 Operating Profit (7-8) 66,972 76,861 1,00,065 116,345

10 Provisions &

Contingencies 32,578 37,604 55,164 66,831

11 Net Profit (9-10) 34,394 39,257 44,901 49,514

12 Gross NPA 44,957 59,927 74,664 117,262

13 Net NPA 21,047 29,643 36,055 59,162

I

PUBLIC SECTOR BANKS - Performance at a glance

(Rs. In Crores)

SI. No. 31-03-2009 31-03-2010 31.03.2011 31.03.2012

1 Paid up Capital 13,536 13,544 17,029 18,250

2 Reserves & Surplus 194,804 227,456 271,246 337,326

3 Owned Funds 208,340 241,000 288,275 355,576

4 Deposits 3,112,747 3,691,802 4,372,449 5,002,013

5 Investments 1,012,666 1,205,783 1,336,076 1,504,076

6 Advances 2,259,212 2,701,300 3,304,433 3,878,312

7 Interest Earned 273,088 305,983 366,135 484,740

8 Other Income 42,466 48,893 47,965 50,358

9 Total Income 315,554 354,876 414,099 535,098

10 Interest Expended 193,447 211,940 231,153 328,539

11 Operating Expenses 55,504 66,075 82,965 90,215

12 Employee Cost 34,564 41,115 54,964 57,452

13 Total Expenditure 281,182 315,619 369,199 485,584

14 Operating Profit 66,604 76,945 99,981 116,345

15 Provisions & Contingencies 32,231 37,604 55,080 66,831

16 Net Profit 34,373 39,257 44,901 49,514

17 Total Branches 56,229 60,021 63,199 68,902

18 Total Staff 731,524 734,594 755,102 771,388

19 No. of Branches – Rural 19,288 20,106 21,073 22,785

20 No. of Branches – Semi Urban 13,657 14,894 16,243 18,095

21 No. of Branches – Urban 12,024 13,130 13,529 14,689

22 No. of Branches - Metro 10,835 11,561 12,118 13,078

23 No. of Branches – Abroad 187 284 236 255

24 No. of Officers 274,861 289,123 303,263 317,310

25 No. of Clerks 307,403 298,017 307,524 309,364

26 No. of Substaff 149,260 152,506 144,315 144,714

27 No. of ATMs 27,319 40,831 49,623 58,210

28 Gross NPA 44,957 59,927 74,664 117,262

29 Net NPA 21,047 29,643 36,055 59,162

30 Provisions made for NPA 11,121 18,036 29,830 38,177

II

Sl Name of the Bank 2008-09 2009-10 2010-11 2011-12

I Nationalised Banks

1 Allahabad Bank 446.70 446.70 476.22 500.03

2 Andhra Bank 485.00 485.00 559.58 559.58

3 Bank of Baroda 365.53 365.53 392.81 412.38

4 Bank of India 525.91 525.91 547.22 574.52

5 Bank of Maharashtra 430.52 430.52 1069.71 1177.59

6 Canara Bank 410.00 410.00 443.00 443.00

7 Central Bank of India 1321.14 1771.14 2021.14 2353.12

8 Corporation Bank 143.44 143.44 148.13 148.13

9 Dena Bank 286.82 286.82 333.39 350.06

10 Indian Bank 829.77 829.77 829.77 829.77

11 Indian Overseas Bank 544.80 544.80 618.75 797.00

12 Oriental Bank of Commerce 250.54 250.54 291.76 291.76

13 Punjab & Sind Bank 383.06 383.06 423.06 434.21

14 Punjab National Bank 315.30 315.30 316.81 339.18

15 Syndicate Bank 521.97 521.97 573.29 601.95

16 UCO Bank 1249.36 1699.36 2450.52 2487.71

17 Union Bank of India 505.12 505.12 635.33 661.55

18 United Bank of India 1782.43 866.43 1144.42 1161.00

19 Vijaya Bank 933.52 933.52 1672.67 1695.54

Total of 19 Nationalised Banks [I] 11730.93 11714.93 14947.57 15818.07

II State Bank of India (SBI) 634.88 634.88 635.00 671.04

III Associates of SBI

1 State Bank of Bikaner & Jaipur 50.00 50.00 50.00 70.00

2 State Bank of Hyderabad 17.25 20.75 20.75 20.75

3 State Bank of Indore 17.50 17.50 - -

4 State Bank of Mysore 36.00 36.00 46.80 46.80

5 State Bank of Patiala 274.75 294.75 294.75 294.75

State Bank of Saurashtra - -

6 State Bank of Travancore 50.00 50.00 50.00 50.00

Total of 6 Associates [III] 445.50 469.00 462.30 482.30

Total of State Bank Group [II+III] 1080.38 1103.88 1097.30 1153.34

IV Other Public Sector Bank

1 IDBI Bank Ltd. 724.78 724.86 984.57 1278.38

Total of PSBs [I+II+III+IV] 13536.09 13543.67 17029.44 18249.80

Paid up capital

Rs. In Crores

1



1 Allahabad Bank 5405.25 6306.25 8031.17 10006.59

2 Andhra Bank 3161.99 3925.04 5932.84 6919.81

3 Bank of Baroda 12514.20 14740.86 20650.73 27064.47

4 Bank of India 12969.01 13704.08 16743.46 20387.27


6 Canara Bank 11797.77 14261.78 19596.82 22246.96



9 Dena Bank 1883.67 2314.87 3322.54 4127.27

10 Indian Bank 6306.14 7442.34 8691.33 9971.67



13 Punjab & Sind Bank 1757.29 2232.55 3380.33 3814.74


15 Syndicate Bank 4488.05 5105.08 6477.55 8439.20

16 UCO Bank 2707.69 3511.18 4968.70 6125.72



19 Vijaya Bank 2215.78 2541.63 3144.33 3556.68














1 IDBI Bank Ltd. 8697.36 9438.40 13582.02 18148.68


Reserves & Surplus

Rs. In Crores

2



1 Allahabad Bank 5851.95 6752.95 8507.39 10506.61

2 Andhra Bank 3646.99 4410.04 6492.42 7479.39

3 Bank of Baroda 12879.72 15106.38 21043.53 27476.85

4 Bank of India 13494.92 14229.99 17290.68 20961.78


6 Canara Bank 12207.77 14671.78 20039.82 22689.96



9 Dena Bank 2170.50 2601.69 3655.92 4477.33

10 Indian Bank 7135.91 8272.11 9521.10 10801.44



13 Punjab & Sind Bank 2140.34 2615.60 3803.38 4248.95


15 Syndicate Bank 5010.02 5627.05 7050.84 9041.15

16 UCO Bank 3957.05 5210.54 7419.22 8613.43



19 Vijaya Bank 3149.29 3475.15 4817.00 5252.22









State Bank of Saurashtra





1 IDBI Bank Ltd. 9422.14 10163.26 14566.59 19427.06


Owned Funds

Rs. In Crores

3



1 Allahabad Bank 84971.79 106055.75 131887.16 159593.08

2 Andhra Bank 59390.02 77688.21 92156.28 105851.22

3 Bank of Baroda 192396.95 241044.26 305439.48 384871.11

4 Bank of India 189708.48 229761.94 298885.81 318216.03


6 Canara Bank 186892.51 234651.44 293436.64 327053.73



9 Dena Bank 43050.61 51344.28 64209.62 77166.80

10 Indian Bank 72581.83 88227.66 105804.18 120803.80



13 Punjab & Sind Bank 34675.65 49155.09 59723.19 63123.98


15 Syndicate Bank 115885.14 117025.79 135596.08 157941.06

16 UCO Bank 100221.57 122415.55 145277.60 154003.49



19 Vijaya Bank 54535.42 61931.75 73248.32 83055.51














1 IDBI Bank Ltd. 112401.01 167667.08 180485.79 210492.56


Deposits

Rs. In Crores

4



1 Allahabad Bank 2.73 2.87 3.02 3.19

2 Andhra Bank 1.91 2.10 2.11 2.12

3 Bank of Baroda 6.18 6.53 6.99 7.69

4 Bank of India 6.09 6.22 6.84 6.36


6 Canara Bank 6.00 6.36 6.71 6.54



9 Dena Bank 1.38 1.39 1.47 1.54

10 Indian Bank 2.33 2.39 2.42 2.42



13 Punjab & Sind Bank 1.11 1.33 1.37 1.26


15 Syndicate Bank 3.72 3.17 3.10 3.16

16 UCO Bank 3.22 3.32 3.32 3.08



19 Vijaya Bank 1.75 1.68 1.68 1.66














1 IDBI Bank Ltd. 3.61 4.54 4.13 4.21


Deposits - Market share in percentage

5

Investments



1 Allahabad Bank 29651.05 38428.62 43247.06 54283.24

2 Andhra Bank 16911.11 20881.00 24204.00 29628.90

3 Bank of Baroda 52445.88 61182.38 71396.59 83209.40

4 Bank of India 52607.18 67080.18 85872.42 86753.59


6 Canara Bank 57776.90 69676.95 83636.02 102057.43



9 Dena Bank 12473.08 15694.23 18768.91 23027.65

10 Indian Bank 22800.57 28268.33 34783.76 37976.03



13 Punjab & Sind Bank 12627.43 17886.84 18643.65 20064.13


15 Syndicate Bank 30537.23 33010.93 35067.62 40815.06

16 UCO Bank 29384.78 43521.43 42927.28 45771.50



19 Vijaya Bank 17387.70 21107.45 25138.58 28643.80














1 IDBI Bank Ltd. 50047.60 73345.46 68269.18 83175.36


Rs. In Crores

6



1 Allahabad Bank 58801.76 71604.87 93624.89 111145.10

2 Andhra Bank 44139.26 56113.51 71435.36 83641.83

3 Bank of Baroda 143251.41 175035.29 228676.36 287377.29

4 Bank of India 142909.37 168490.71 213096.18 248833.34


6 Canara Bank 138219.40 169334.63 211268.29 232489.82



9 Dena Bank 28877.96 35462.44 44828.05 56692.54

10 Indian Bank 51396.54 62146.13 75249.91 90323.60



13 Punjab & Sind Bank 24615.35 32639.11 42637.85 46151.41


15 Syndicate Bank 81532.27 90406.36 106781.92 123620.18

16 UCO Bank 68803.86 82504.53 99070.81 115540.01



19 Vijaya Bank 35467.67 41521.72 48718.63 57903.74














1 IDBI Bank Ltd. 103444.48 138201.85 157098.07 181158.43


Advances

Rs. In Crores

7



1 Allahabad Bank 2.60 2.65 2.83 2.87

2 Andhra Bank 1.95 2.08 2.16 2.16

3 Bank of Baroda 6.34 6.48 6.92 7.41

4 Bank of India 6.33 6.24 6.45 6.42


6 Canara Bank 6.12 6.27 6.39 5.99



9 Dena Bank 1.28 1.31 1.36 1.46

10 Indian Bank 2.27 2.30 2.28 2.33



13 Punjab & Sind Bank 1.09 1.21 1.29 1.19


15 Syndicate Bank 3.61 3.35 3.23 3.19

16 UCO Bank 3.05 3.05 3.00 2.98



19 Vijaya Bank 1.57 1.54 1.47 1.49














1 IDBI Bank Ltd. 4.58 5.12 4.75 4.67


Advances - Market share in percentage

8



1 Allahabad Bank 7364.73 8369.20 11014.69 15523.28

2 Andhra Bank 5374.62 6372.87 8291.28 11338.73

3 Bank of Baroda 15091.58 16698.34 21885.92 29673.72

4 Bank of India 16347.36 17877.99 21751.72 28480.67


6 Canara Bank 17119.05 18751.96 22940.07 30850.62



9 Dena Bank 3447.50 4010.36 5033.53 6794.13

10 Indian Bank 6830.33 7714.37 9361.03 12231.32



13 Punjab & Sind Bank 3247.17 3934.18 4932.51 6474.50


15 Syndicate Bank 9525.35 10047.18 11450.86 15268.35

16 UCO Bank 8121.38 9526.32 11370.80 14632.37



19 Vijaya Bank 5237.83 5200.65 5844.06 7988.13









State Bank of Saurashtra -





1 IDBI Bank Ltd. 11545.12 15261.32 18541.24 23369.93


Interest earned

Rs. In Crores

9



1 Allahabad Bank 1141.92 1515.90 1370.41 1298.68

2 Andhra Bank 765.38 964.62 896.96 859.93

3 Bank of Baroda 2757.66 2806.36 2809.19 3422.33

4 Bank of India 3051.86 2616.64 2641.77 3321.17


6 Canara Bank 2311.21 2857.90 2811.46 2927.60



9 Dena Bank 430.13 588.63 533.84 582.17

10 Indian Bank 1035.44 1316.41 1181.89 1232.16



13 Punjab & Sind Bank 407.70 411.81 437.09 417.46


15 Syndicate Bank 914.66 1167.46 915.12 1075.88

16 UCO Bank 1019.89 965.93 925.41 965.56



19 Vijaya Bank 698.81 679.45 533.19 527.90














1 IDBI Bank Ltd. 1476.43 2301.73 2143.23 2118.78


Other Income

Rs. In Crores

10



1 Allahabad Bank 8506.65 9885.10 12385.10 16821.96

2 Andhra Bank 6140.00 7337.49 9188.23 12198.66

3 Bank of Baroda 17849.24 19504.70 24695.10 33096.05

4 Bank of India 19399.22 20494.62 24393.50 31801.84


6 Canara Bank 19430.27 21609.86 25751.53 33778.22



9 Dena Bank 3877.62 4598.99 5567.37 7376.30

10 Indian Bank 7865.77 9030.78 10542.92 13463.48



13 Punjab & Sind Bank 3654.86 4345.98 5369.59 6891.96


15 Syndicate Bank 10440.01 11214.64 12365.98 16344.23

16 UCO Bank 9141.28 10492.25 12296.22 15597.93



19 Vijaya Bank 5936.64 5880.10 6377.25 8516.03









State Bank of Saurashtra





1 IDBI Bank Ltd. 13021.55 17563.05 20684.47 25488.71


Total Income

Rs. In Crores

11



1 Allahabad Bank 5206.06 5718.72 6992.22 10360.63

2 Andhra Bank 3747.71 4178.13 5070.31 7579.41

3 Bank of Baroda 9968.17 10758.86 13083.66 19356.71

4 Bank of India 10848.45 12122.04 13941.03 20167.23


6 Canara Bank 12401.25 13071.43 15240.74 23161.31



9 Dena Bank 2383.07 2910.33 3270.16 4693.13

10 Indian Bank 4221.82 4553.18 5324.92 7813.32



13 Punjab & Sind Bank 2235.31 2750.23 3372.06 4973.44


15 Syndicate Bank 6977.60 7307.37 7068.10 10183.32

16 UCO Bank 6476.68 7202.20 7525.89 10730.27



19 Vijaya Bank 4113.02 3751.57 3897.28 6084.59














1 IDBI Bank Ltd. 10305.72 13005.22 14271.93 18825.08


Interest expended

Rs. In Crores

12



1 Allahabad Bank 1399.44 1617.83 2338.30 2691.39

2 Andhra Bank 1104.26 1349.54 1704.86 1804.25

3 Bank of Baroda 3576.06 3810.58 4629.83 5158.72

4 Bank of India 3093.96 3667.81 5068.24 4940.66


6 Canara Bank 3065.25 3477.62 4419.32 4673.74



9 Dena Bank 768.19 848.08 1073.42 1154.75

10 Indian Bank 1588.13 1730.25 1926.32 2187.00



13 Punjab & Sind Bank 697.84 718.18 984.04 1158.53


15 Syndicate Bank 1790.97 2033.57 2548.10 2814.12

16 UCO Bank 1462.99 1584.42 2075.37 2056.23



19 Vijaya Bank 924.70 1071.57 1433.28 1200.96














1 IDBI Bank Ltd. 1337.91 1831.43 2254.69 2607.45


Operating expenses

Rs. In Crores

13



1 Allahabad Bank 7738.05 8678.78 10962.00 14955.17

2 Andhra Bank 5486.95 6291.64 7921.16 10853.99

3 Bank of Baroda 15622.03 16446.37 20453.42 28089.10

4 Bank of India 16391.87 18753.56 21904.79 29124.32


6 Canara Bank 17357.85 18588.43 21725.64 30495.51



9 Dena Bank 3454.96 4087.74 4955.74 6573.16

10 Indian Bank 6620.45 7475.79 8828.84 11716.52



13 Punjab & Sind Bank 3223.68 3837.18 4843.42 6440.68


15 Syndicate Bank 9527.19 10401.32 11318.03 15030.84

16 UCO Bank 8583.56 9480.06 11389.68 14489.25



19 Vijaya Bank 5674.16 5372.80 5853.43 7935.03









State Bank of Saurashtra - - - #VALUE!





1 IDBI Bank Ltd. 12163.01 16531.92 19034.15 23457.09


Total Expenditure

Rs. In Crores

14



1 Allahabad Bank 1901.15 2548.55 3054.58 3769.94

2 Andhra Bank 1288.03 1809.82 2413.06 2815.00

3 Bank of Baroda 4305.01 4935.26 6981.61 8580.62

4 Bank of India 5456.80 4704.77 5384.23 6693.95


6 Canara Bank 3963.77 5060.81 6091.48 5943.16



9 Dena Bank 726.36 840.58 1223.79 1528.43

10 Indian Bank 2055.83 2747.35 3291.68 3463.17



13 Punjab & Sind Bank 721.71 877.57 1013.50 760.00


15 Syndicate Bank 1671.45 1874.18 2749.78 3346.80

16 UCO Bank 1201.61 1705.63 2694.96 2811.42



19 Vijaya Bank 898.91 1056.96 1046.68 1230.47














1 IDBI Bank Ltd. 1377.92 2726.95 4157.85 4056.17


Operating Profit/Loss

Rs. In Crores

15



1 Allahabad Bank 1132.55 1342.22 1631.47 1903.15

2 Andhra Bank 634.98 763.97 1145.99 1470.33

3 Bank of Baroda 2077.80 1876.93 2739.93 3573.67

4 Bank of India 2449.46 2963.70 2895.52 4016.43


6 Canara Bank 1891.35 2039.38 2065.59 2660.45



9 Dena Bank 303.70 329.32 612.16 725.29

10 Indian Bank 810.51 1192.36 1577.61 1716.20



13 Punjab & Sind Bank 290.54 368.76 487.32 308.71


15 Syndicate Bank 758.62 1060.38 1701.83 2033.40

16 UCO Bank 643.90 693.45 1788.42 1702.75



19 Vijaya Bank 636.43 549.67 522.86 649.48














1 IDBI Bank Ltd. 519.38 1695.28 2507.53 2024.56


Provisions & Contingencies

Rs. In Crores

16



1 Allahabad Bank 768.60 1206.33 1423.11 1866.79

2 Andhra Bank 653.05 1045.85 1267.07 1344.67

3 Bank of Baroda 2227.20 3058.33 4241.68 5006.96

4 Bank of India 3007.35 1741.07 2488.71 2677.52


6 Canara Bank 2072.42 3021.43 4025.89 3282.71



9 Dena Bank 422.66 511.25 611.63 803.14

10 Indian Bank 1245.32 1554.99 1714.07 1746.97



13 Punjab & Sind Bank 431.18 508.80 526.17 451.29


15 Syndicate Bank 912.82 813.32 1047.95 1313.39

16 UCO Bank 557.72 1012.19 906.54 1108.67



19 Vijaya Bank 262.48 507.30 523.82 581.00














1 IDBI Bank Ltd. 858.54 1031.13 1650.32 2031.61


Net Profit/Loss

Rs. In Crores

17



1 Allahabad Bank 2260 2287 2416 2517

2 Andhra Bank 1432 1557 1632 1712

3 Bank of Baroda 2972 3148 3418 3959

4 Bank of India 3048 3236 3490 4000

5 Bank of Maharashtra 1421 1453 1536 1589

6 Canara Bank 2733 3046 3257 3600

7 Central Bank of India 3518 3577 3728 4011

8 Corporation Bank 1055 1155 1361 1500

9 Dena Bank 1184 1223 1291 1342

10 Indian Bank 1644 1758 1863 1958

11 Indian Overseas Bank 1919 2008 2190 2635

12 Oriental Bank of Commerce 1401 1508 1620 1772

13 Punjab & Sind Bank 912 918 965 1028

14 Punjab National Bank 4668 5002 5166 5669

15 Syndicate Bank 2228 2308 2494 2696

16 UCO Bank 2069 2152 2206 2394

17 Union Bank of India 2558 2805 3016 3201

18 United Bank of India 1451 1534 1597 1680

19 Vijaya Bank 1101 1158 716 1300

Total of 19 Nationalised Banks [I] 39574 41833 43962 48563

II State Bank of India (SBI) 11539 12638 13698 14270


1 State Bank of Bikaner & Jaipur 860 861 902 950

2 State Bank of Hyderabad 1031 1185 1315 1475

3 State Bank of Indore 470 472 - -

4 State Bank of Mysore 674 689 707 737

5 State Bank of Patiala 846 886 1008 1055


6 State Bank of Travancore 726 748 792 879

Total of 6 Associates [III] 4607 4841 4724 5096

Total of State Bank Group [II+III] 16146 17479 18422 19366


1 IDBI Bank Ltd. 509 709 815 973

Total of PSBs [I+II+III+IV] 56229 60021 63199 68902

Total Branches

18



1 Allahabad Bank 4.02 3.81 3.82 3.65

2 Andhra Bank 2.55 2.60 2.58 2.48

3 Bank of Baroda 5.29 5.25 5.41 5.75

4 Bank of India 5.42 5.40 5.52 5.81


6 Canara Bank 4.86 5.08 5.15 5.22



9 Dena Bank 2.11 2.04 2.04 1.95

10 Indian Bank 2.92 2.93 2.95 2.84



13 Punjab & Sind Bank 1.62 1.53 1.53 1.49


15 Syndicate Bank 3.96 3.85 3.95 3.91

16 UCO Bank 3.68 3.59 3.49 3.47



19 Vijaya Bank 1.96 1.93 1.13 1.89









State Bank of Saurashtra - - - -





1 IDBI Bank Ltd. 0.91 1.18 1.29 1.41


Total Branches - Market share in percentage

19



1 Allahabad Bank 20457 20959 21227 22334

2 Andhra Bank 14255 14292 14098 15099

3 Bank of Baroda 36440 38960 39385 41448

4 Bank of India 40155 39202 39788 41537


6 Canara Bank 44090 43380 43397 42272



9 Dena Bank 9883 10525 9953 10202

10 Indian Bank 19993 19641 19311 18782



13 Punjab & Sind Bank 8700 8259 8107 8041


15 Syndicate Bank 25068 25569 28509 26904

16 UCO Bank 23736 23370 23026 23147



19 Vijaya Bank 11975 11565 11079 11517














1 IDBI Bank Ltd. 10201 12213 13598 15435


Total Staff

20



1 Allahabad Bank 2.80 2.83 2.81 2.90

2 Andhra Bank 1.95 1.93 1.87 1.96

3 Bank of Baroda 4.98 5.16 5.22 5.37

4 Bank of India 5.49 5.32 5.27 5.38


6 Canara Bank 6.03 5.86 5.75 5.48



9 Dena Bank 1.35 1.42 1.32 1.32

10 Indian Bank 2.73 2.66 2.56 2.43



13 Punjab & Sind Bank 1.19 1.12 1.07 1.04


15 Syndicate Bank 3.43 3.46 3.78 3.49

16 UCO Bank 3.24 3.15 3.05 3.00



19 Vijaya Bank 1.64 1.56 1.47 1.49









State Bank of Saurashtra - - - -





1 IDBI Bank Ltd. 1.39 1.65 1.80 2.00


Total Staff - Market share in percentage

21



1 Allahabad Bank 968 976 993 1033

2 Andhra Bank 411 422 432 454

3 Bank of Baroda 1100 1126 1171 1270

4 Bank of India 1244 1271 1344 1482


6 Canara Bank 735 779 811 1007



9 Dena Bank 443 450 457 493

10 Indian Bank 480 498 508 519



13 Punjab & Sind Bank 324 325 342 367


15 Syndicate Bank 660 666 803 873

16 UCO Bank 781 802 815 858



19 Vijaya Bank 257 266 254 277














1 IDBI Bank Ltd. 53 73 86 96


Number of Branches - Rural

22



1 Allahabad Bank 406 411 454 493

2 Andhra Bank 412 430 456 479

3 Bank of Baroda 649 721 832 1045

4 Bank of India 624 701 840 1068


6 Canara Bank 691 793 922 1019



9 Dena Bank 222 229 255 264

10 Indian Bank 414 455 502 549



13 Punjab & Sind Bank 146 147 166 179


15 Syndicate Bank 519 552 589 672

16 UCO Bank 401 430 461 555



19 Vijaya Bank 229 242 184 312














1 IDBI Bank Ltd. 93 144 186 236


Number of Branches - Semi Urban

23




2 Andhra Bank 393 449 478 509

3 Bank of Baroda 539 580 631 718

4 Bank of India 568 607 646 704


6 Canara Bank 674 744 762 792



9 Dena Bank 214 226 255 260

10 Indian Bank 410 441 478 501



13 Punjab & Sind Bank 296 295 300 311


15 Syndicate Bank 516 541 551 584

16 UCO Bank 457 479 482 513



19 Vijaya Bank 333 353 164 383














1 IDBI Bank Ltd. 180 281 305 376


Number of Branches - Urban

24




2 Andhra Bank 216 256 266 270

3 Bank of Baroda 638 673 730 871

4 Bank of India 585 628 660 746


6 Canara Bank 629 727 758 777



9 Dena Bank 305 318 324 325

10 Indian Bank 338 362 372 386



13 Punjab & Sind Bank 146 151 157 171


15 Syndicate Bank 532 507 550 566

16 UCO Bank 426 437 444 464



19 Vijaya Bank 282 297 114 328














1 IDBI Bank Ltd. 183 210 237 264


Number of Branches - Metropolitan

25




2 Andhra Bank 0 0 0 0

3 Bank of Baroda 46 48 54 55

4 Bank of India 27 29 0 0


6 Canara Bank 4 3 4 5



9 Dena Bank 0 0 0 0

10 Indian Bank 2 2 3 3



13 Punjab & Sind Bank 0 0 0 0


15 Syndicate Bank 1 42 1 1

16 UCO Bank 4 4 4 4



19 Vijaya Bank 0 0 0 0














1 IDBI Bank Ltd. 0 1 1


Number of Branches - Abroad

26



1 Allahabad Bank 8202 8425 8860 9682

2 Andhra Bank 8678 8411 8058 8209

3 Bank of Baroda 13433 14431 15759 16954

4 Bank of India 14195 14464 14824 16849


6 Canara Bank 17551 17338 17649 17419



9 Dena Bank 3714 4218 3979 4501

10 Indian Bank 7790 7610 8030 7908



13 Punjab & Sind Bank 5899 5551 5512 5587


15 Syndicate Bank 9966 10944 11512 10829

16 UCO Bank 8999 8798 8274 9059



19 Vijaya Bank 5054 5194 5048 5258














1 IDBI Bank Ltd. 7505 9605 11062 12991


Number of Staff - Officers

27



1 Allahabad Bank 7631 8249 8153 8279

2 Andhra Bank 3059 3175 3248 3903

3 Bank of Baroda 15246 15381 15628 16448

4 Bank of India 17517 16832 17216 16833


6 Canara Bank 16500 16285 16178 15802



9 Dena Bank 3890 4171 3921 3776

10 Indian Bank 9180 9124 8639 8488



13 Punjab & Sind Bank 1435 1425 1452 1460


15 Syndicate Bank 11274 10766 11074 10221

16 UCO Bank 10334 9998 9646 9171



19 Vijaya Bank 4255 3866 3904 4051














1 IDBI Bank Ltd. 1493 1438 1386 1333


Number of Staff - Clerks

28



1 Allahabad Bank 4624 4285 4214 4373

2 Andhra Bank 2518 2706 2792 2987

3 Bank of Baroda 7761 8340 7998 8046

4 Bank of India 8443 8380 7748 7855


6 Canara Bank 10039 9757 9570 9051



9 Dena Bank 2279 2136 2053 1925

10 Indian Bank 3023 2907 2642 2386



13 Punjab & Sind Bank 1366 1283 1143 994


15 Syndicate Bank 3828 3859 5923 5854

16 UCO Bank 4403 4468 5106 4917



19 Vijaya Bank 2666 2505 2127 2208














1 IDBI Bank Ltd. 1203 1177 1150 1111


Number of Staff - Substaff

29




2 Andhra Bank 726 859 981 1056

3 Bank of Baroda 1179 1315 1561 2012

4 Bank of India 500 820 1425 1680


6 Canara Bank 2019 2017 2216 2858



9 Dena Bank 387 396 496 543

10 Indian Bank 755 1005 1128 1280



13 Punjab & Sind Bank 43 59 83 118


15 Syndicate Bank 1090 1187 1220 1240

16 UCO Bank 409 478 608 864



19 Vijaya Bank 364 435 545 750






3 State Bank of Indore 350 607 -



State Bank of Saurashtra #VALUE!





1 IDBI Bank Ltd. 900 1201 1370 1542


Number of ATMs

30



1 Allahabad Bank - 13.62 12.96 12.83

2 Andhra Bank 12.37 13.93 14.38 13.18

3 Bank of Baroda 14.05 14.36 14.52 14.67

4 Bank of India 13.01 12.94 12.17 11.95


6 Canara Bank 14.10 13.43 15.38 13.76



9 Dena Bank 12.07 12.77 13.41 11.51

10 Indian Bank N.A 12.71 13.56 13.47

11 Indian Overseas Bank N.A 14.78 14.55 13.32


13 Punjab & Sind Bank 14.35 13.10 12.94 13.26


15 Syndicate Bank 12.68 12.70 13.04 12.24

16 UCO Bank 11.93 13.21 13.71 12.35


18 United Bank of India N.A 13.05 13.05 12.69

19 Vijaya Bank 13.15 12.50 13.88 13.06

Total of 19 Nationalised Banks [I]










Total of 6 Associates [III]

Total of State Bank Group [II+III]


1 IDBI Bank Ltd. 11.57 11.31 13.64 14.58

Total of PSBs [I+II+III+IV]

Capital Adequacy Ratio - Basel II

31

Sl Name of the Bank 2009-10 2010-11 2011-12


1 Allahabad Bank 1221.80 1647.92 2058.98

2 Andhra Bank 487.87 995.64 1798.01

3 Bank of Baroda 2400.69 3152.50 4464.75

4 Bank of India 4882.65 4811.55 5893.97

5 Bank of Maharashtra 1209.79 1173.70 1297.03

6 Canara Bank 2590.31 3137.36 4031.75

7 Central Bank of India 2458.00 2394.00 7273.00

8 Corporation Bank 650.94 790.23 1274.21

9 Dena Bank 641.99 842.24 956.50

10 Indian Bank 510.10 740.31 1850.78

11 Indian Overseas Bank 3611.08 3089.59 3920.07

12 Oriental Bank of Commerce 1468.75 1920.54 3580.49

13 Punjab & Sind Bank 206.15 424.28 763.44

14 Punjab National Bank 3214.41 4379.39 8719.62

15 Syndicate Bank 2006.82 2598.97 3182.70

16 UCO Bank 1666.43 3150.36 4086.20

17 Union Bank of India 2670.89 3622.82 5449.86

18 United Bank of India 1372.30 1355.78 2176.42

19 Vijaya Bank 994.45 1259.19 1718.46

Total of 19 Nationalised Banks [I] 34265.42 41486.37 64496.24

II State Bank of India (SBI) 19534.89 25326.29 39676.46


1 State Bank of Bikaner & Jaipur 611.85 835.40 1651.47

2 State Bank of Hyderabad 648.98 1150.45 2007.36

3 State Bank of Indore 492.89 - -

4 State Bank of Mysore 595.26 863.74 1502.62

5 State Bank of Patiala 1006.61 1381.68 1887.75


6 State Bank of Travancore 641.98 835.23 1488.75

Total of 6 Associates [III] 3997.57 5066.50 8537.95

Total of State Bank Group [II+III] 23532.46 30392.79 48214.41


1 IDBI Bank Ltd. 2129.38 2784.73 4551.37

Total of PSBs [I+II+III+IV] 59927.26 74663.89 117262.02

Gross NPA

Rs. In Crores

32



1 Allahabad Bank 470.15 736.37 1091.70

2 Andhra Bank 95.72 273.68 755.68

3 Bank of Baroda 602.32 790.88 1543.64

4 Bank of India 2207.45 1944.99 3656.42


6 Canara Bank 1799.70 2329.91 3386.31



9 Dena Bank 427.53 548.95 571.73

10 Indian Bank 144.93 397.04 1196.83



13 Punjab & Sind Bank 116.63 237.94 547.56


15 Syndicate Bank 963.20 1030.84 1185.43

16 UCO Bank 966.28 1824.55 2263.94



19 Vijaya Bank 581.83 741.16 998.01














1 IDBI Bank Ltd. 1406.32 1677.91 2910.93


Net NPA

Rs. In Crores

33



1 Allahabad Bank 751.65 863.55 967.28

2 Andhra Bank 391.86 719.09 1042.16

3 Bank of Baroda 1798.37 2361.62 2921.11

4 Bank of India 2199.38 2224.96 1472.78


6 Canara Bank 786.80 756.03 598.56



9 Dena Bank 205.18 290.16 382.45

10 Indian Bank 117.21 159.73 477.74



13 Punjab & Sind Bank 86.20 182.74 206.44


15 Syndicate Bank 997.16 1501.33 1931.27

16 UCO Bank 687.36 1281.29 1650.57



19 Vijaya Bank 408.40 506.07 716.19














1 IDBI Bank Ltd. 723.06 1106.82 1640.44


Provisions

Rs. In Crores

34



1 Allahabad Bank 78.95 75.67 74.00

2 Andhra Bank 91.56 83.94 71.13

3 Bank of Baroda 74.90 85.00 80.05

4 Bank of India 65.51 72.18 64.18


6 Canara Bank 77.71 72.99 67.57



9 Dena Bank 78.61 74.62 75.53

10 Indian Bank 93.65 84.30 70.13



13 Punjab & Sind Bank 89.62 81.82 64.15


15 Syndicate Bank 73.31 77.18 80.06

16 UCO Bank 50.00 51.60 54.39



19 Vijaya Bank 64.24 63.69 62.40

Total of 19 Nationalised Banks [I]










Total of 6 Associates [III]

Total of State Bank Group [II+III]


1 IDBI Bank Ltd. 74.86 74.66 68.28

Total of PSBs [I+II+III+IV]

Provisions coverage ratio

35



1 Allahabad Bank 217.16 296.55 370.42

2 Andhra Bank 80.82 115.37 351.85

3 Bank of Baroda 259.39 383.89 709.92

4 Bank of India 1179.74 808.04 1216.18


6 Canara Bank 201.12 287.84 687.44



9 Dena Bank 108.39 198.28 122.02

10 Indian Bank 180.76 92.40 315.24



13 Punjab & Sind Bank 59.08 90.30 168.82


15 Syndicate Bank 159.78 211.47 746.26

16 UCO Bank 157.59 597.22 927.64



19 Vijaya Bank 182.17 118.71 316.97






3 State Bank of Indore 148.83 -



State Bank of Saurashtra - - -





1 IDBI Bank Ltd. 338.32 488.62 1155.48


Total exposure to top 4 NPA Accounts

36


1 City Union Bank Ltd 32.00 39.96 40.50 40.82

2 ING Vysya Bank Ltd 102.60 119.97 120.99 150.12

3 SBI Comm. & Internl. Bank Ltd 100.00 100.00 100.00 -

4 Tam ilnad Mercantile Bank Ltd 0.28 0.28 0.28 0.28

5 The Bank of Rajasthan Ltd 161.35 161.35 - -

6 The Catholic Syrian Bank Ltd 18.88 18.93 31.35 31.42

7 Dhanlaxmi Bank Ltd 64.12 64.12 85.14 85.14

8 The Federal Bank Ltd 171.03 171.03 171.05 171.05

9 The Jammu & Kashmir Bank Ltd 48.49 48.49 48.49 48.49

10 The Karnataka Bank Ltd 121.58 133.99 188.20 188.29

11 The Karur Vysya Bank Ltd 53.95 54.44 94.49 107.18

12 The Lakshmi Vilas Bank Ltd 48.78 97.51 97.53 97.53

13 The Nainital Bank Ltd 30.00 45.00 67.50 67.50

14 The Ratnakar Bank Ltd 104.72 104.72 214.95 214.95

15 The South Indian Bank Ltd 113.01 113.01 113.01 113.37

Total of Pvt. Sector Banks (I) 1170.79 1272.79 1373.46 1316.14

New Pvt. Sector Banks

1 Axis Bank Ltd 359.01 405.17 410.55 413.20

2 Development Credit Bank Ltd 174.30 199.99 200.17 240.67

3 HDFC Bank Ltd 425.38 457.74 465.23 469.34

4 ICICI Bank Ltd 1113 .29 1114 .89 1151.82 1152.77

5 IndusInd Bank Ltd 355.19 410.65 465.97 467.70

6 Kotak Mahindra Bank Ltd 345.67 348.14 368.44 370.34

7 Yes Bank Ltd 296.98 339.67 347.15 352.99

Total of 7 new Pvt. Sector Banks (II) 3069.82 3276.25 3409.31 3467.01

Total of 21 Pvt. Sector Banks (I+II) 4240.61 4549.03 4782.78 4783.15

Rs. In Crores

Paid up capital

37



















1 Axis Bank Ltd 9854.58 15639.27 18588.28 22395.34


3 HDFC Bank Ltd 14220.95 21061.84 24911.13 29455.04

4 ICICI Bank Ltd 48419.73 50503.48 53938.82 59250.09



7 Yes Bank Ltd 1327.24 2749.88 3446.93 4323.65



Reserves & Surplus

Rs. In Crores

38



















1 Axis Bank Ltd 10213.59 16044.45 18998.83 22808.54


3 HDFC Bank Ltd 14646.33 21519.58 25376.35 29924.37

4 ICICI Bank Ltd 49533.02 51618.37 55090.64 60402.86



7 Yes Bank Ltd 1624.22 3089.55 3794.08 4676.64



Owned Funds

Rs. In Crores

39












11 The Karur Vysya Bank Ltd 15101.39 19271.85 24721.85 32111 .59

12 The Lakshmi Vilas Bank Ltd 7360.90 9075.38 11149 .51 14114.14






1 Axis Bank Ltd 117374.11 141300.22 189237.80 220104.30


3 HDFC Bank Ltd 142811.58 167404.44 208586.41 246706.45

4 ICICI Bank Ltd 218347.82 202016.60 225602.11 255499.96



7 Yes Bank Ltd 16169.42 26798.57 45938.93 49151.71



Deposits

Rs. In Crores

40



















1 Axis Bank Ltd 15.94 17.17 18.87 18.74


3 HDFC Bank Ltd 19.39 20.35 20.80 21.00

4 ICICI Bank Ltd 29.65 24.55 22.50 21.75



7 Yes Bank Ltd 2.20 3.26 4.58 4.18



Deposits - Market share in percentage

41



















1 Axis Bank Ltd 46330.35 55974.82 71991.62 93192.09


3 HDFC Bank Ltd 58817.55 58607.62 70929.37 97482.91

4 ICICI Bank Ltd 103058.31 120892.80 134685.96 159560.04



7 Yes Bank Ltd 7117.02 10209.94 18828.84 27757.35



Investments

Rs. In Crores

42



















1 Axis Bank Ltd 81556.77 104343.12 142407.83 169759.54


3 HDFC Bank Ltd 98883.05 125830.59 159982.67 195420.03

4 ICICI Bank Ltd 218310.85 181205.60 216365.90 253727.66



7 Yes Bank Ltd 12403.09 22193.12 34363.64 37988.64



Advances

Rs. In Crores

43



















1 Axis Bank Ltd 14.18 16.50 17.86 17.57


3 HDFC Bank Ltd 17.19 19.89 20.06 20.22

4 ICICI Bank Ltd 37.95 28.65 27.13 26.25



7 Yes Bank Ltd 2.16 3.51 4.31 3.93



Advances - Market share in percentage

44





4 Tam ilnad Mercantile Bank Ltd 977.15 1118 .41 1371.04 1882.39














1 Axis Bank Ltd 10835.49 11638.02 15154.81 21994.65


3 HDFC Bank Ltd 16332.26 16172.90 19928.21 27286.35

4 ICICI Bank Ltd 31092.55 25706.93 25974.05 33542.65



7 Yes Bank Ltd 2001.43 2369.71 4041.75 6307.36



Interest earned

Rs. In Crores

45



















1 Axis Bank Ltd 2896.88 3945.78 4632.13 5420.22


3 HDFC Bank Ltd 3290.60 3807.61 4335.15 5243.69

4 ICICI Bank Ltd 7603.73 7477.65 6647.89 7502.76



7 Yes Bank Ltd 436.90 575.53 623.27 857.12



Other Income

Rs. In Crores

46





4 Tam ilnad Mercantile Bank Ltd 1112 .99 1291.20 1559.38 2114.05














1 Axis Bank Ltd 13732.36 15583.80 19786.94 27414.86


3 HDFC Bank Ltd 19622.86 19980.51 24263.36 32530.05

4 ICICI Bank Ltd 38696.28 33184.58 32621.95 41045.41



7 Yes Bank Ltd 2438.34 2945.24 4665.02 7164.48



Total Income

Rs. In Crores

47



















1 Axis Bank Ltd 7149.27 6633.53 8591.82 13976.90


3 HDFC Bank Ltd 8911.10 7786.30 9385.08 14989.58

4 ICICI Bank Ltd 22725.93 17592.57 16957.15 22808.50



7 Yes Bank Ltd 1492.14 1581.76 2794.82 4691.72



Interest Expended

Rs. In Crores

48



2 ING Vysya Bank Ltd 772.47 808.10 1026.02 1110 .21
















1 Axis Bank Ltd 2858.21 3709.72 4779.43 6007.10


3 HDFC Bank Ltd 5532.81 5764.48 7152.91 8590.06

4 ICICI Bank Ltd 7045.11 5859.83 6617.25 7850.44



7 Yes Bank Ltd 418.54 500.15 679.81 932.53



Operating Expenses

Rs. In Crores

49



















1 Axis Bank Ltd 11917.00 13069.27 16398.45 23172.66


3 HDFC Bank Ltd 17377.93 17031.81 20336.96 27362.96

4 ICICI Bank Ltd 34938.14 29159.60 27470.57 34580.15



7 Yes Bank Ltd 2134.49 2467.50 3937.88 6187.48



Total Expenditure

Rs. In Crores

50






5 The Bank of Rajasthan Ltd 193.77 -27.90 - -


7 Dhanlaxmi Bank Ltd 87.90 38.68 67.43 -97.91











1 Axis Bank Ltd 3724.88 5240.56 6415.69 7430.86


3 HDFC Bank Ltd 5178.96 6429.73 7725.37 8950.41

4 ICICI Bank Ltd 8925.22 9732.18 9047.54 10386.47



7 Yes Bank Ltd 527.65 863.33 1190.39 1540.22



Operating Profit/Loss

Rs. In Crores

51



















1 Axis Bank Ltd 1909.52 2726.02 3027.20 3188.66


3 HDFC Bank Ltd 2934.02 3481.03 3798.97 3783.32

4 ICICI Bank Ltd 5167.09 5707.20 3896.17 3921.22



7 Yes Bank Ltd 223.81 385.59 463.25 563.22



Provisions & Contingencies

Rs. In Crores

52






5 The Bank of Rajasthan Ltd 117.71 -102.13 - -


7 Dhanlaxmi Bank Ltd 57.45 23.30 26.06 -115.63











1 Axis Bank Ltd 1815.36 2514.53 3388.49 4242.21

2 Development Credit Bank Ltd -88.10 -78.45 21.43 55.08

3 HDFC Bank Ltd 2244.94 2948.70 3926.40 5167.09

4 ICICI Bank Ltd 3758.13 4024.98 5151.38 6465.26



7 Yes Bank Ltd 303.84 477.74 727.14 977.00



Net Profit/Loss

Rs. In Crores

53


1 City Union Bank Ltd 207 222 246 300

2 ING Vysya Bank Ltd 455 482 511 531

3 SBI Comm. & Internl. Bank Ltd 2 2 2 -

4 Tam ilnad Mercantile Bank Ltd 213 216 233 280

5 The Bank of Rajasthan Ltd 467 467 - -

6 The Catholic Syrian Bank Ltd 363 363 364 372

7 Dhanlaxmi Bank Ltd 181 270 275 280

8 The Federal Bank Ltd 612 672 743 950

9 The Jammu & Kashmir Bank Ltd 530 536 548 603

10 The Karnataka Bank Ltd 447 464 478 503

11 The Karur Vysya Bank Ltd 312 335 369 451

12 The Lakshmi Vilas Bank Ltd 251 271 274 291

13 The Nainital Bank Ltd 92 101 101 101

14 The Ratnakar Bank Ltd 84 87 99 100

15 The South Indian Bank Ltd 530 580 641 700

Total of Pvt. Sector Banks (I) 4746 5068 4884 5462


1 Axis Bank Ltd 838 1038 1388 1620

2 Development Credit Bank Ltd 80 80 80 82

3 HDFC Bank Ltd 1413 1725 1986 2544

4 ICICI Bank Ltd 1426 1714 2536 2759

5 IndusInd Bank Ltd 182 212 302 402

6 Kotak Mahindra Bank Ltd 220 250 322 356

7 Yes Bank Ltd 117 150 214 356

Total of 7 new Pvt. Sector Banks (II) 4276 5169 6828 8119

Total of 21 Pvt. Sector Banks (I+II) 9022 10237 11712 13581

Total Branches

54






5 The Bank of Rajasthan Ltd 5.18 4.56













1 Axis Bank Ltd 9.27 10.01 11.85 11.93


3 HDFC Bank Ltd 15.66 16.85 16.96 18.73

4 ICICI Bank Ltd 15.81 16.74 21.65 20.32



7 Yes Bank Ltd 1.30 1.47 1.83 2.62



Total Branches - Market share in percentage

55






5 The Bank of Rajasthan Ltd 4075 3983













1 Axis Bank Ltd 20624 21640 26341 31738


3 HDFC Bank Ltd 52687 51888 55752 66076

4 ICICI Bank Ltd 34596 35256 26929 25253



7 Yes Bank Ltd 2671 3034 3929 5642



Total Staff

56






5 The Bank of Rajasthan Ltd 2.31 2.19













1 Axis Bank Ltd 11.70 11.87 14.02 14.81


3 HDFC Bank Ltd 29.88 28.47 29.67 30.83

4 ICICI Bank Ltd 19.62 19.34 14.33 11.78



7 Yes Bank Ltd 1.51 1.66 2.09 2.63



Total Staff - Market share in percentage

57



















1 Axis Bank Ltd 44 64 116 159


3 HDFC Bank Ltd 108 125 163 239

4 ICICI Bank Ltd 142 161 285 312



7 Yes Bank Ltd 14 22 23 33



Number of Branches - Rural

58



















1 Axis Bank Ltd 186 255 448 515


3 HDFC Bank Ltd 307 442 609 920

4 ICICI Bank Ltd 467 570 796 904



7 Yes Bank Ltd 23 38 55 132



Number of Branches - Semi Urban

59



















1 Axis Bank Ltd 326 389 450 488


3 HDFC Bank Ltd 491 532 559 678

4 ICICI Bank Ltd 398 477 675 719



7 Yes Bank Ltd 39 46 71 89



Number of Branches - Urban

60



















1 Axis Bank Ltd 279 326 376 451


3 HDFC Bank Ltd 506 625 653 705

4 ICICI Bank Ltd 412 499 773 817



7 Yes Bank Ltd 41 45 65 102



Number of Branches - Metropolitan

61






5 The Bank of Rajasthan Ltd 0 0













1 Axis Bank Ltd 3 3 3 7


3 HDFC Bank Ltd 1 1 2 2

4 ICICI Bank Ltd 7 7 8 9



7 Yes Bank Ltd 0 0 0 0



Number of Branches - Abroad

62



















1 Axis Bank Ltd 20624 21640 26435 31738


3 HDFC Bank Ltd 52290 51548 55421 66076

4 ICICI Bank Ltd 34596 35256 56857 25135



7 Yes Bank Ltd 2671 3034 3929 5642



Number of Staff - Officers

63





















3 HDFC Bank Ltd 178 171 166 -

4 ICICI Bank Ltd 0 12






Number of Staff - Clerks

64






5 The Bank of Rajasthan Ltd 565 513 -















3 HDFC Bank Ltd 219 169 165 -

4 ICICI Bank Ltd 194 112 106






Number of Staff - Substaff

65









8 The Federal Bank Ltd 617 732 803 1,005










1 Axis Bank Ltd 3595 4293 6,270 9,924


3 HDFC Bank Ltd 3295 4232 5,471 8,913

4 ICICI Bank Ltd 4713 5219 6,104 9,006



7 Yes Bank Ltd 184 223 250 605



Number of ATMs

66



2 ING Vysya Bank Ltd 11.65 14.91 12.94-








10 The Karnataka Bank Ltd 13.48 12.37 13.33-






Total of Pvt. Sector Banks (I)


1 Axis Bank Ltd 13.69 15.80 12.65 13.66


3 HDFC Bank Ltd 15.69 17.44 16.22 16.52

4 ICICI Bank Ltd 15.53 19.41 19.54 18.52



7 Yes Bank Ltd 16.60 20.60 16.50 17.90

Total of 7 new Pvt. Sector Banks (II)

Total of 21 Pvt. Sector Banks (I+II)

Capital Adequacy Ratio - as per Basel II

67



















1 Axis Bank Ltd 897.77 1318.00 1599.42 1806.30


3 HDFC Bank Ltd 1988.07 1816.76 1694.34 1999.39

4 ICICI Bank Ltd 9649.31 9480.65 10034.26 9475.33



7 Yes Bank Ltd 84.93 60.20 80.52 83.86



Gross NPA

Rs. In Crores

68



















1 Axis Bank Ltd 327.13 419.00 410.35 472.64


3 HDFC Bank Ltd 627.62 392.05 296.41 352.33

4 ICICI Bank Ltd 4553.94 3841.11 2407.36 1860.84



7 Yes Bank Ltd 41.16 12.99 9.15 17.46



Net NPA

Rs. In Crores

69





4 Tam ilnad Mercantile Bank Ltd 94.89 90.76 111 .34 114.05

5 The Bank of Rajasthan Ltd 96.31 153.66 -













1 Axis Bank Ltd 570.64 899.00 1186.74 1323.92


3 HDFC Bank Ltd 1360.45 1424.71 1397.93 1647.06

4 ICICI Bank Ltd 5095.37 5639.54 7626.90 7614.49



7 Yes Bank Ltd 43.77 47.21 71.37 66.40



Provisions

Rs. In Crores

70



2 ING Vysya Bank Ltd NA 60.19 83.41 90.67


4 Tam ilnad Mercantile Bank Ltd NA 89.52 88.30 79.54

5 The Bank of Rajasthan Ltd NA NA - -

6 The Catholic Syrian Bank Ltd NA 70.96 61.53 61.92

7 Dhanlaxmi Bank Ltd NA 47.95 60.50 45.59

8 The Federal Bank Ltd NA 83.37 82.06 88.85


10 The Karnataka Bank Ltd NA NA 60.08 47.18


12 The Lakshmi Vilas Bank Ltd NA 49.67 77.17 61.27

13 The Nainital Bank Ltd NA NA 70.00 70.00


15 The South Indian Bank Ltd NA 70.00 73.64 71.36

Total of Pvt. Sector Banks (I)


1 Axis Bank Ltd NA 72.38 80.90 80.91


3 HDFC Bank Ltd 68.43 78.42 82.51 82.38

4 ICICI Bank Ltd NA 59.50 76.00 80.40


6 Kotak Mahindra Bank Ltd NA 58.34 70.14 70.14

7 Yes Bank Ltd NA 78.43 88.63 79.18

Total of 7 new Pvt. Sector Banks (II)

Total of 21 Pvt. Sector Banks (I+II)

Provisions coverage ratio

71



















1 Axis Bank Ltd 0.00 162.64 291.54 582.10


3 HDFC Bank Ltd 0.00 256.80 305.03 292.47

4 ICICI Bank Ltd 477.09 720.03 650.81 565.73



7 Yes Bank Ltd 0.00 47.40 57.59 58.64



Total exposure to top four NPA Accounts

Rs. In Crores

72

Sl Name of the Bank No. of A/cs Amt. OS Sacrifice

1 City Union Bank Ltd 1 14.04 3.49

2 ING Vysya Bank Ltd 6 162.29 4.59

3 SBI Comm. & Internl. Bank Ltd 0 0.00 0.00

4 Tam ilnad Mercantile Bank Ltd 0 0.00 0.00

5 The Bank of Rajasthan Ltd

6 The Catholic Syrian Bank Ltd 3 123.69 7.35

7 Dhanlaxmi Bank Ltd 3 1,297.73 3.15

8 The Federal Bank Ltd 4 120.32 34.34

9 The Jammu & Kashmir Bank Ltd 8 267.54 33.17

10 The Karnataka Bank Ltd 10 506.35 1.42

11 The Karur Vysya Bank Ltd 3 14.82 0.00

12 The Lakshmi Vilas Bank Ltd 4 14.58 2.33

13 The Nainital Bank Ltd 0 0.00 0.00

14 The Ratnakar Bank Ltd 0 0.00 0.00

15 The South Indian Bank Ltd 0 0.00 0.00

Total of Pvt. Sector Banks (I) 42 2,521.36 89.84


1 Axis Bank Ltd 16.00 881.06 146.24

2 Development Credit Bank Ltd 1.00 0.39 0.10

3 HDFC Bank Ltd 10.00 277.97 11.00

4 ICICI Bank Ltd 14.00 2,490.89 331.91

5 IndusInd Bank Ltd 9.00 94.89 22.69

6 Kotak Mahindra Bank Ltd 0.00 0.00 0.00

7 Yes Bank Ltd 10.00 184.39 6.87

Total of 7 new Pvt. Sector Banks (II) 60 3929.59 518.81

Total of 21 Pvt. Sector Banks (I+II) 102 6450.95 608.65

Rs. In Crores

Accounts restructured under CDR

73

Sl. Name of the Bank 2010 2011 2012

1 AB Bank Limited 34 55 45

2 Abu Dhabi Commercial Bank Limited 523 565 623

3 American Express Banking Corporation 569 519 501

4 Antwerp Diamond Bank N.V. 57 55 77

5 Australia & New Zealand Banking Group Ltd 1,735

6 Bank Internasional Indonesia

7 Bank of America NA 5,490 5,969 5,965

8 Bank of Bahrain and Kuwait B.S.C. 515 515 672

9 Bank of Ceylon 92 97 105

10 Barclays Bank PLC 7,075 6,740 5,374

11 BNP Paribas 5,020 4,646 5,900

12 Chinatrust Commercial Bank 114 97 147

13 Citibank N.A. 54,452 56,668 64,698

14 Commonwealth Bank of Australia 2 11

15 Credit Agricole Corporate & Investment Bank 1,066 672 913

16 Credit Suisse AG 348

17 DBS Bank Ltd. 6,637 7,368 12,922

18 Deutsche Bank AG 14,693 14,646 16,843

19 FirstRand Bank Ltd. 5 25 37

20 Industrial & Commercial Bank of China Ltd

21 JPMorgan Chase Bank 5,931 6,384 8,969

22 JSC VTB Bank 9 7 8

23 Krung Thai Bank Public Company Ltd. 107 116 143

24 Mashreqbank psc 42 60 78

25 MIZUHO Corporate Bank Ltd. 1,188 671 673

26 National Australia Bank Ltd.

27 Oman International Bank S.A.O.G. 172 166 155

28 Rabobank International 12

29 Sberbank

30 Shinhan Bank 692 792 1,037

31 Societe Generale 837 888 1,281

Deposits

As on 31st March Rs. In Crores

74


32 Sonali Bank Ltd. 32 28 31

33 Standard Chartered Bank 48,192 58,419 63,965

34 State Bank of Mauritius Ltd. 348 500 766

35 The Bank of Nova Scotia 3,454 3,655 4,682

36 The Bank of Tokyo-Mits ubishi UFJ, Ltd. 2,199 1,654 3,284

37 The Hongkong and Shanghai Bkg Corpn.Ltd. 55,748 54,107 61,423

38 The Royal Bank of Scotland 16,601 13,947 13,040

39 UBS AG 204 632 602

40 United Overseas Bank Ltd.

41 Woori Bank

Total of Foreign Banks in India 2,32,099 2,40,667 2,77,063

75






5 Australia & New Zealand Banking Group Ltd 452






11 BNP Paribas 4,027 3,807 3,387


13 Citibank N.A. 28,109 30,399 43,167


15 Credit Agricole Corporate & Investment Bank 4,123 3,892 4,014

16 Credit Suisse AG 1,955

17 DBS Bank Ltd. 10,086 10,313 14,781

18 Deutsche Bank AG 9,047 8,598 8,422







25 MIZUHO Corporate Bank Ltd. 447 396 659




29 Sberbank

30 Shinhan Bank 196 228 281

31 Societe Generale 1,788 2,077 1,846

Investments


76






36 The Bank of Tokyo-Mits ubishi UFJ, Ltd. 1,440 906 3,429



39 UBS AG 1,403 3,797 3,565


41 Woori Bank


77



2 Abu Dhabi Commercial Bank Limited 675 949 1,219

3 American Express Banking Corporation 1,466 1,739 2,134

4 Antwerp Diamond Bank N.V. 704 903 1,145

5 Australia & New Zealand Banking Group Ltd 598 3,127

6 Bank Internasional Indonesia 80 80 80


8 Bank of Bahrain and Kuwait B.S.C. 697 746 1,189



11 BNP Paribas 9,410 10,695 11,730


13 Citibank N.A. 95,489 1,11,586 1,28,428

14 Commonwealth Bank of Australia 137 189 229


16 Credit Suisse AG 1,137 2,480

17 DBS Bank Ltd. 18,743 23,744 36,386

18 Deutsche Bank AG 28,331 28,680 28,626


20 Industrial & Commercial Bank of China Ltd 519


22 JSC VTB Bank 120 119 120



25 MIZUHO Corporate Bank Ltd. 2,152 3,940 5,368

26 National Australia Bank Ltd. 155



29 Sberbank 126 138

30 Shinhan Bank 1,064 1,395 1,746

31 Societe Generale 2,367 2,995 3,103

Assets


78



33 Standard Chartered Bank 88,775 1,06,309 1,21,686

34 State Bank of Mauritius Ltd. 623 1,142 1,414



37 The Hongkong and Shanghai Bkg Corpn.Ltd. 90,434 91,148 1,09,224


39 UBS AG 1,892 5,611 6,810

40 United Overseas Bank Ltd. 137 137 157

41 Woori Bank 163


79




3 American Express Banking Corporation 875 1,078 1,474


5 Australia & New Zealand Banking Group Ltd 1,319






11 BNP Paribas 3,738 5,451 6,184


13 Citibank N.A. 36,655 40,597 47,103




17 DBS Bank Ltd. 4,015 7,524 12,844

18 Deutsche Bank AG 12,923 14,294 12,549







25 MIZUHO Corporate Bank Ltd. 1,083 2,516 3,582




29 Sberbank


31 Societe Generale 415 700 1,056

Advances


80









39 UBS AG 25 685 631


41 Woori Bank


81


1 AB Bank Limited 3




5 Australia & New Zealand Banking Group Ltd


7 Bank of America NA 1 1 1



10 Barclays Bank PLC 1422 781 547

11 BNP Paribas 68 11 27


13 Citibank N.A. 1275 839 846

14 Commonwealth Bank of Australia

15 Credit Agricole Corporate & Investment Bank 277 199 1

16 Credit Suisse AG

17 DBS Bank Ltd. 76 83 215

18 Deutsche Bank AG 261 179 135

19 FirstRand Bank Ltd.


21 JPMorgan Chase Bank 95 27 27

22 JSC VTB Bank

23 Krung Thai Bank Public Company Ltd.

24 Mashreqbank psc



27 Oman International Bank S.A.O.G.

28 Rabobank International

29 Sberbank

30 Shinhan Bank

31 Societe Generale 1 1 1

Gross NPA


82



33 Standard Chartered Bank 1096 1148 3212


35 The Bank of Nova Scotia 10 10 10

36 The Bank of Tokyo-Mits ubishi UFJ, Ltd. 7 7 8

37 The Hongkong and Shanghai Bkg Corpn.Ltd. 1683 996 720

38 The Royal Bank of Scotland 685 614 347

39 UBS AG


41 Woori Bank

Total of Foreign Banks in India 7134 5069 6297

83


1 AB Bank Limited 1

2 Abu Dhabi Commercial Bank Limited 5



5 Australia & New Zealand Banking Group Ltd


7 Bank of America NA


9 Bank of Ceylon


11 BNP Paribas 4


13 Citibank N.A. 784 493 424


15 Credit Agricole Corporate & Investment Bank 138

16 Credit Suisse AG

17 DBS Bank Ltd. 40 23 77


19 FirstRand Bank Ltd.


21 JPMorgan Chase Bank 29

22 JSC VTB Bank

23 Krung Thai Bank Public Company Ltd.

24 Mashreqbank psc

25 MIZUHO Corporate Bank Ltd.


27 Oman International Bank S.A.O.G.


29 Sberbank

30 Shinhan Bank

31 Societe Generale

Net NPA


84


32 Sonali Bank Ltd.



35 The Bank of Nova Scotia




39 UBS AG


41 Woori Bank

Total of Foreign Banks in India 2,976 1,283 1,411

85






5 Australia & New Zealand Banking Group Ltd 2 94


7 Bank of America NA 569 725 1,113




11 BNP Paribas 585 646 842


13 Citibank N.A. 6,070 6,269 7,768



16 Credit Suisse AG 7 101

17 DBS Bank Ltd. 880 1,066 1,797

18 Deutsche Bank AG 1,579 1,880 2,398



21 JPMorgan Chase Bank 438 740 1,193








29 Sberbank 2 10



Interest Income


86









39 UBS AG 61 185 366


41 Woori Bank 4


87











10 Barclays Bank PLC 149 456 -100



13 Citibank N.A. 1591 1947 1393




17 DBS Bank Ltd. 155 96 311




21 JPMorgan Chase Bank -101 542 347

22 JSC VTB Bank 1







29 Sberbank



Other Income


88









39 UBS AG 8 57 -78


41 Woori Bank

Total of Foreign Banks in India 11961 13022 12896

89












11 BNP Paribas 780 904 915


13 Citibank N.A. 7,662 8,217 9,161




17 DBS Bank Ltd. 1,035 1,162 2,108

18 Deutsche Bank AG 2,396 2,861 3,151



21 JPMorgan Chase Bank 337 1,281 1,540








29 Sberbank 2 10



Total Income


90









39 UBS AG 69 242 288


41 Woori Bank 4


91


1 AB Bank Limited 1










11 BNP Paribas 143 241 404


13 Citibank N.A. 2,017 2,223 2,887




17 DBS Bank Ltd. 318 591 1,045





22 JSC VTB Bank


24 Mashreqbank psc





29 Sberbank



Interest Expended


92









39 UBS AG 13 57 124


41 Woori Bank


93







6 Bank Internasional Indonesia 2





11 BNP Paribas 238 286 358


13 Citibank N.A. 2,354 2,717 2,801




17 DBS Bank Ltd. 168 273 412

18 Deutsche Bank AG 956 1,123 1,055











29 Sberbank 2 12



Operating Expenses


94








38 The Royal Bank of Scotland 996 1,000 903

39 UBS AG 58 101 103


41 Woori Bank 3


95












11 BNP Paribas 381 527 762


13 Citibank N.A. 4,371 4,940 5,689




17 DBS Bank Ltd. 485 863 1,457

18 Deutsche Bank AG 1,259 1,585 1,645








26 National Australia Bank Ltd. 0 0 5



29 Sberbank 2 12



Total Expenditure


96









39 UBS AG 71 158 226


41 Woori Bank 3


# Excluding Provisions and cont ngencies

97






5 Australia & New Zealand Banking Group Ltd (12) 14

6 Bank Internasional Indonesia 1 1




10 Barclays Bank PLC 330 544 (39)

11 BNP Paribas 399 378 154


13 Citibank N.A. 3,291 3,277 3,472

14 Commonwealth Bank of Australia (2) (17) (6)


16 Credit Suisse AG - (14) 161

17 DBS Bank Ltd. 549 299 651

18 Deutsche Bank AG 1,137 1,276 1,506

19 FirstRand Bank Ltd. (37) (8) (3)


21 JPMorgan Chase Bank (6) 830 886

22 JSC VTB Bank (2) (1) 3




26 National Australia Bank Ltd. - - (2)



29 Sberbank - (0) (1)



Operating Profit


98








38 The Royal Bank of Scotland 1,165 863 840

39 UBS AG (2) 84 61

40 United Overseas Bank Ltd. (5) (0) 2

41 Woori Bank 2


99



2 Abu Dhabi Commercial Bank Limited 4 (1) 7

3 American Express Banking Corporation 75 (20) 16










13 Citibank N.A. 2,430 1,852 1,550

14 Commonwealth Bank of Australia -


16 Credit Suisse AG (6) 72

17 DBS Bank Ltd. 279 171 316


19 FirstRand Bank Ltd. (3)


21 JPMorgan Chase Bank (17) 345 390





26 National Australia Bank Ltd. -

27 Oman International Bank S.A.O.G. 1 6


29 Sberbank -



Provisions and Contingencies


100


32 Sonali Bank Ltd. 1 1






38 The Royal Bank of Scotland 1,270 682 360

39 UBS AG (3) 27 30

40 United Overseas Bank Ltd. - -

41 Woori Bank 1


101




3 American Express Banking Corporation (50) 26 4

4 Antwerp Diamond Bank N.V. (2) (14) 14

5 Australia & New Zealand Banking Group Ltd (13) 1





10 Barclays Bank PLC (554) 100 (183)


12 Chinatrust Commercial Bank 3 4 (0)

13 Citibank N.A. 860 1,425 1,922

14 Commonwealth Bank of Australia (2) (17) (6)


16 Credit Suisse AG (8) 89

17 DBS Bank Ltd. 270 127 336


19 FirstRand Bank Ltd. (37) (9) (0)







26 National Australia Bank Ltd. (2)



29 Sberbank (1) (1)



Net Profit


102




34 State Bank of Mauritius Ltd. (4) 8 11



37 The Hongkong and Shanghai Bkg Corpn.Ltd. 810 1,528 1,988

38 The Royal Bank of Scotland (105) 181 480

39 UBS AG 1 58 31

40 United Overseas Bank Ltd. (5) (0) 2

41 Woori Bank 1


103


1 AB Bank Limited 204.63 326.63 442.61

2 Abu Dhabi Commercial Bank Limited 1,542.63 1,607.70 1,635.08

3 American Express Banking Corporation 137.58 167.66 301.22

4 Antwerp Diamond Bank N.V. 1,955.63 2,592.31 3,874.49

5 Australia & New Zealand Banking Group Ltd 3,622.08


7 Bank of America NA 3,101.97 3,852.25 3,399.28

8 Bank of Bahrain and Kuwait B.S.C. 850.00 896.00 1,336.00

9 Bank of Ceylon 444.00 605.00 619.00

10 Barclays Bank PLC 1,208.05 1,436.73 1,831.39

11 BNP Paribas 2,776.00 3,008.00 3,519.00

12 Chinatrust Commercial Bank 963.00 1,070.00 1,289.00

13 Citibank N.A. 1,979.89 1,745.94 1,975.00

14 Commonwealth Bank of Australia 98.05 373.54

15 Credit Agricole Corporate & Investment Bank 2,983.00 3,614.00 2,664.00

16 Credit Suisse AG 1,870.12

17 DBS Bank Ltd. 2,554.50 2,406.49 3,278.16

18 Deutsche Bank AG 1,841.78 1,988.76 2,156.31

19 FirstRand Bank Ltd. 71.61 365.55 358.02

20 Industrial & Commercial Bank of China Ltd 267.07

21 JPMorgan Chase Bank 2,135.81 2,217.69 3,571.16

22 JSC VTB Bank 114.00 381.54 479.44

23 Krung Thai Bank Public Company Ltd. 1,015.45 1,173.43 1,384.58

24 Mashreqbank psc 191.16 524.70 557.62

25 MIZUHO Corporate Bank Ltd. 1,940.86 2,082.86 2,487.95


27 Oman International Bank S.A.O.G. 522.45 447.73 463.72

28 Rabobank International 844.07

29 Sberbank 0.06

30 Shinhan Bank 2,210.54 1,855.76 2,439.40

31 Societe Generale 1,098.54 1,868.37 2,493.15

Business per employee

As on 31st March Rs. In Lakhs

104


32 Sonali Bank Ltd. 89.14 83.85 130.62

33 Standard Chartered Bank 1,083.45 1,345.62 1,546.71

34 State Bank of Mauritius Ltd. 2,613.00 2,813.00 3,358.00

35 The Bank of Nova Scotia 3,750.43 4,294.06 5,430.55

36 The Bank of Tokyo-Mits ubishi UFJ, Ltd. 3,069.80 3,103.38 3,566.00

37 The Hongkong and Shanghai Bkg Corpn.Ltd. 1,135.52 1,221.70 1,657.90

38 The Royal Bank of Scotland 1,158.97 1,113.24 1,307.34

39 UBS AG 673.73 2,484.20 2,163.89


41 Woori Bank

105


1 AB Bank Limited 17.46 17.08 30.23

2 Abu Dhabi Commercial Bank Limited 18.60 19.11 34.01

3 American Express Banking Corporation - 2.69 0.64

4 Antwerp Diamond Bank N.V. (7.88) (60.06) 57.22

5 Australia & New Zealand Banking Group Ltd 1.18

6 Bank Internasional Indonesia -

7 Bank of America NA 121.26 139.02 148.86

8 Bank of Bahrain and Kuwait B.S.C. 2.00 14.00 21.00

9 Bank of Ceylon 18.00 27.00 25.00

10 Barclays Bank PLC (42.26) 9.47 (23.05)

11 BNP Paribas 55.00 56.00 24.00

12 Chinatrust Commercial Bank 10.00 13.00 (0.30)

13 Citibank N.A. 18.32 28.61 36.03

14 Commonwealth Bank of Australia (0.10) (58.08) (21.99)

15 Credit Agricole Corporate & Investment Bank 71.00 44.00 255.00

16 Credit Suisse AG (0.50) 278.58

17 DBS Bank Ltd. 64.75 20.50 42.69

18 Deutsche Bank AG 29.80 43.37 60.94

19 FirstRand Bank Ltd. (106.64) (19.66) (0.31)

20 Industrial & Commercial Bank of China Ltd 61.91

21 JPMorgan Chase Bank 6.06 219.41 193.82

22 JSC VTB Bank - (7.48) 4.99

23 Krung Thai Bank Public Company Ltd. 7.08 23.60 33.04

24 Mashreqbank psc 26.69 60.20 68.80

25 MIZUHO Corporate Bank Ltd. 17.56 47.73 103.57

26 National Australia Bank Ltd. (15.70)

27 Oman International Bank S.A.O.G. 24.47 28.78 44.32

28 Rabobank International 3.76

29 Sberbank (5.06) (8.37)

30 Shinhan Bank 45.77 33.43 54.87

31 Societe Generale 3.85 24.67 35.46

Profit per employee

As on 31st March Rs. In Lakhs

106


32 Sonali Bank Ltd. 1.58 0.39 2.64

33 Standard Chartered Bank 26.31 26.36 23.06

34 State Bank of Mauritius Ltd. (14.00) 19.00 24.00

35 The Bank of Nova Scotia 101.43 97.37 126.62

36 The Bank of Tokyo-Mits ubishi UFJ, Ltd. 40.70 45.57 78.00

37 The Hongkong and Shanghai Bkg Corpn.Ltd. 11.73 23.20 34.69

38 The Royal Bank of Scotland (4.06) 8.26 24.59

39 UBS AG 3.09 109.28 54.81

40 United Overseas Bank Ltd. (177.32) (0.06) 0.18

41 Woori Bank N.A.

107

Capital Adequacy Ratio

Sl. Name of the Bank 2010 2011 2012 2010 2011 2012

1 AB Bank Limited 43.52 37.68 47.32 30.01 30.57 34.36

2 Abu Dhabi Commercial Bank Limited 50.91 N.A. N.A. 44.79 45.25 80.88

3 American Express Banking Corporation 27.53 N.A. N.A. 19.10 23.61 19.30

4 Antwerp Diamond Bank N.V. 47.08 40.74 30.35 33.72 33.73 25.60

5 Australia & New Zealand Bkg Group Ltd 28.57 25.50

6 Bank Internasional Indonesia 531.8 515.51 457.82 N.A. NA N.A.

7 Bank of America NA 17.16 16.03 19.12 15.49 14.51 17.21

8 Bank of Bahrain and Kuwait B.S.C. 26.72 57.86 N.A. 25.01 23.28 38.60

9 Bank of Ceylon 83.3 57.86 N.A. 50.85 42.09 96.58

10 Barclays Bank PLC 15.61 N.A. N.A. 16.99 14.89 14.99

11 BNP Paribas 16.37 14.67 15.78 15.78 11.92 14.70

12 Chinatrust Commercial Bank 35.17 44.21 53.57 31.12 36.27 44.78

13 Citibank N.A. 20.76 18.32 16.58 18.14 17.31 16.03

14 Commonwealth Bank of Australia 454.83 160.40 87.96 454.83 143.97 78.29

15 Credit Agricole Corporate & Investment Bk 20.97 14.63 17.82 19.50 13.98 14.34

16 Credit Suisse AG 476.41 158.36 453.59 118.02

17 DBS Bank Ltd. 13.64 12.11 13.01 16.96 14.98 14.38

18 Deutsche Bank AG 16.58 15.12 15.10 16.45 15.03 14.12

19 FirstRand Bank Ltd. 120.19 N.A. N.A. 74.73 94.81 61.41

20 Industrial & Commercial Bank of China Ltd N.A. 241.09

21 JPMorgan Chase Bank 24.47 25.12 24.54 23.63 22.99 23.96

22 JSC VTB Bank 302.36 N.A. N.A. 225.93 123.59 86.96

23 Krung Thai Bank Public Company Ltd. 65.71 79.59 81.61 61.02 71.18 62.57

24 Mashreqbank psc 127.36 N.A. N.A. 78.21 59.07 55.37

25 MIZUHO Corporate Bank Ltd. 40.83 95.29 67.00 38.98 87.25 60.27

26 National Australia Bank Ltd. N.A. N.A. 423.74

27 Oman International Bank S.A.O.G. N.A. N.A. N.A. 41.08 45.64 52.01

28 Rabobank International 117.29 123.86

29 Sberbank N.A. N.A. 405.11 329.86

30 Shinhan Bank 58.2 72.17 56.98 40.85 50.73 40.25

As on 31st March

Basel I Basel II

108

Sl. Name of the Bank 2010 2011 2012 2010 2011 2012

31 Societe Generale 29.32 18.56 40.57 22.77 16.23 36.61

32 Sonali Bank Ltd. 47.23 N.A. N.A. 47.23 40.32 16.81

33 Standard Chartered Bank 14.81 14.48 12.81 12.41 11.88 11.05

34 State Bank of Mauritius Ltd. 35.10 45.87 36.49 34.40 45.66 39.02

35 The Bank of Nova Scotia 20.54 18.59 24.00 13.15 NA N.A.

36 The Bank of Tokyo-Mits ubishi UFJ, Ltd. 48.82 N.A. N.A. 68.16 58.67 51.60

37 The Hongkong and Shanghai Bkg Corpn. 15.58 N.A. N.A. 18.03 18.03 16.04

38 The Royal Bank of Scotland 13.39 N.A. N.A. 12.50 11.65 12.46

39 UBS AG 107.21 75.31 49.83 157.86 90.01 53.75

40 United Overseas Bank Ltd. N.A. N.A. N.A. 428.15 341.49 306.12

41 Woori Bank N.A. 421.70

Basel I Basel II

109

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ross

NPA

s fr

om a

nnua

l acc

ount

s of

res

pect

ive

bank

s an

d gr

oss

adva

nces

from

off-

site

ret

urns

3. *

**C

alcu

late

d ta

king

net N

PA fr

om a

nnua

l acc

ount

s of

res

pect

ive

bank

s an

d

net a

dvan

ces

from

off-

site

ret

urns

TR

EN

DS

IN N

ON

PE

RF

OR

MIN

G A

SS

ET

S -

BA

NK

GR

OU

P-W

ISE

110

(Per cent of Risk Weighted Assets)

Minimum Capital RatiosJan. 1,

2013

Mar.31,

2014

Mar.31,

2015

Mar.31

2016

Mar.31,

2017

Mar.31,

2018

Minimum common equity Tier 1 (CET 1) 4.5 5.0 5.5 5.5 5.5 5.5

Capital conservation Buffer (CCB) - - 0.625 1.25 1.875 2.5

Minimum CET1 + CCB 4.5 5.0 6.125 6.75 7.375 8.0

Minimum Tier 1 Capital 6.0 6.5 7.0 7.0 7.0 7.0

Minimum Total c apital 9.0 9.0 9.0 9.0 9.0 9.0

Minimum Total c apital + CCB 9.0 9.0 9.625 10.25 10.875 11.5

Phase in of all deductions from CET 1 (in %) 20.0 40.0 60.0 80.0 100.0 100.0

PHASE-WISE TIMELINE FOR BASEL III IMPLEMENTATION

111

(Am

oun

t in

Cro

res)

Am

oun

tP

erc

en

tage

va

ria

tion

Am

oun

tP

erc

en

tage

varia

tion

1 In

co

me

5,7

1,2

00

15

.57

,40

,80

029

.7

a)

Inte

rest

inco

me

4,9

1,3

00

18

.36

,55

,10

033

.3

b)

Oth

er

inco

me

79

,90

00

.785

,70

07

.3

2 E

xp

en

dit

ure

5,0

0,9

00

14

.56

,59

,10

031

.6

a)

Inte

rest

exp

ende

d2

,98

,90

09

.94

,30

,50

044

.0

b)

Ope

ratin

g e

xpen

ses

1,2

3,1

00

23

.11

,37

,10

011

.3

of w

hic

h : W

age

bill

72

,70

031

.678

,00

07

.3

c) P

rovi

sion

s &

Con

tingen

cie

s78

,80

020

.891

,50

016

.1

3 O

pe

rati

ng

Pro

fit

1,4

9,1

00

22

.01

,73

,20

016

.1

4 N

et

Pro

fit

70

,30

023

.281

,70

016

.1

5 N

et

Inte

res

t in

co

me

(1a

-2a

)1

,92

,40

034

.52

,24

,50

016

.7

Ne

t in

tere

st

ma

rgin

(N

II)

as

pe

rce

nta

ge

of

av

era

ge

asse

ts)

2.9

12

.90

No

te: P

erc

en

tage

va

ria

tion

cou

ld b

e s

ligh

tly d

iffere

nt as

ab

solu

te n

um

be

rs h

ave

bee

n

r

ounded

off

to c

rore

s.

Sou

rce

: A

nnua

l acc

oun

ts o

f re

spe

ctiv

e

ban

ks.

Ite

m2010

-11

2011

-12

Me

mo

ite

m:

TR

EN

DS

IN

IN

CO

ME

AN

D E

XP

EN

DIT

UR

E O

F S

CH

ED

UL

ED

CO

MM

ER

CIA

L B

AN

KS

112

Bank GroupReturn on

EquityProfitability of Assets

LeverageCapital to

Assets Ratio

SBI Group 16.00 0.91 17.58 0.07

Nationalised banks 15.05 0.87 17.37 0.40

Old Private Sector Banks 15.18 1.15 13.23 0.35

New Private Sector Banks 15.27 1.57 9.72 0.27

Foreign Banks 10.79 1.75 6.15 6.95

Return on Equity Analysis of Profitability : 2011-12

113

(Am

oun

t in

Cro

res)

Ite

m

Pu

blic

S

ec

tor

Ba

nk

s

Na

tion

alis

ed

B

an

ks

SB

I G

rou

p

Pri

va

te

Sec

tor

Ba

nk

s

Old

P

riva

te

Se

cto

r B

an

ks

Ne

w

Priva

te

Se

cto

r B

an

ks

Fo

reig

n

Ba

nk

s

Sc

he

du

led

co

mm

erc

ia

l B

an

ks

Pro

vis

ion

fo

r N

PA

s

As

at

end

-Ma

rch

201

136

,60

021

,20

015

,40

013

,50

02

,40

011

,00

03

,80

054

,00

0

Add

: P

rovi

sio

ns m

ade

du

ring

the

yea

r38

,10

021

,90

016

,10

05

,60

080

04

,70

03

,40

047

,20

0

Le

ss:

Write

Off

, W

rite

ba

ck

of e

xce

ss

du

ring

the

yea

r

19

,00

015

,20

03

,80

05

,10

070

04

,30

02

,30

026

,40

0

As

at

end

-Ma

rch

201

255

,80

027

,90

027

,80

014

,00

02

,50

011

,40

04

,90

074

,70

0

End

-Ma

rch

201

149

.047

.950

.774

.064

.975

.675

.055

.1

End

-Ma

rch

201

247

.640

.457

.774

.961

.078

.679

.052

.5

No

te: *I

ncl

ude

s ID

BI B

an

k L

td.,

TR

EN

DS

IN

PR

OV

ISIO

NS

FO

R N

ON

PE

RF

OR

MIN

G A

SS

ET

S -

BA

NK

GR

OU

P-W

ISE

Me

mo

: P

rovi

sio

nin

g c

ove

rage

ra

tio (

Ra

tio o

f ou

tsta

nd

ing

pro

visio

ns to

gro

ss N

PA

s (

pe

r cen

t)

114

(Am

ou

nt

in C

rore

s)

Am

ou

nt

Pe

rce

nt

Am

ou

nt

Pe

rce

nt

Am

ou

nt

Pe

rce

nt

Am

ou

nt

Pe

rce

nt

Am

ou

nt

Pe

rce

nt

Am

ou

nt

Pe

rce

nt

Am

ou

nt

Pu

bli

c S

ec

tor

Ba

nk

s

20

11

41

,30

05

8.1

14

,50

02

0.4

14

,40

02

0.2

12

,40

01

7.5

29

,80

04

1.9

30

00

.47

1,1

00

20

12

56

,20

05

0.0

22

,70

02

0.1

17

,80

01

5.9

15

,70

01

4.0

56

,30

05

0.0

3,2

00

2.9

1,1

2,5

00

Na

tion

alis

ed

B

an

ks *

*

20

11

25

,70

05

9.9

9,2

00

21

.51

0,5

00

24

.46

,00

01

4.0

17

,20

04

0.1

30

00

.64

3,0

00

20

12

32

,30

04

8.3

12

,90

01

9.3

13

,40

02

0.0

6,1

00

9.1

34

,50

05

1.7

1,0

00

1.5

66

,80

0

SB

I G

rou

p

20

11

15

,60

05

5.3

5,3

00

18

.73

,90

01

3.9

6,4

00

22

.71

2,6

00

44

.7-

0.0

28

,10

0

20

12

23

,90

05

2.3

9,8

00

21

.44

,50

09

.89

,70

02

1.1

21

,80

04

7.7

2,2

00

4.9

45

,70

0

Pv

t S

ec

tor

Ba

nk

s

20

11

4,8

00

26

.82

,20

01

2.1

1,3

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7.2

1,4

00

7.5

13

,20

07

3.2

20

00

.81

8,0

00

20

12

5,1

00

27

.92

,20

011

.81

,70

09

.41

,20

06

.71

3,2

00

72

.10

0.0

18

,30

0

Old

Pvt

Se

cto

r B

an

ks 20

11

1,6

00

43

.34

00

11.3

60

01

4.9

60

01

7.1

2,1

00

56

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00

4.1

3,7

00

20

12

1,8

00

42

.96

00

13

.47

00

16

.85

00

12

.82

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05

7.1

00

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0

Ne

w P

vt S

ect

or

Ba

nks 20

11

3,2

00

22

.61

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01

2.3

80

05

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00

5.1

11,1

00

77

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0.0

14

,30

0

20

12

3,3

00

23

.41

,60

011

.31

,00

07

.17

00

4.9

10

,80

07

6.6

00

.01

4,1

00

All

SC

Bs

20

11

46

,10

05

1.8

16

,70

01

8.7

15

,70

01

7.6

13

,80

01

5.5

43

,00

04

8.2

40

00

.58

9,1

00

20

12

61

,30

04

6.9

24

,80

01

9.0

19

,50

01

4.9

16

,90

01

3.0

69

,50

05

3.1

3,2

00

2.5

1,3

0,8

00

No

te: 1

. *:

Exc

lud

ing

fo

reig

n

ba

nks

. 2

. -

: N

il/N

eg

ligib

le. 3

. *

* in

clu

de

s ID

BI

Ba

nk

Ltd

.,

Oth

ers

Pu

blic

Se

cto

r

SE

CT

OR

-WIS

E N

PA

s O

F D

OM

ES

TIC

BA

NK

S *

Tota

l N

PA

sB

an

k G

rou

pP

rio

rity

Se

cto

rO

f W

hic

hN

on

P

rio

rity

S

ect

or

Of

Wh

ich

Ag

ricu

lture

Mic

ro &

SE

115

(Am

oun

t in

Cro

res)

Ma

r. 1

1M

ar.1

22010

-11

2011

-12

1A

gri

cu

ltu

re a

nd

Allie

d A

cti

vit

ies

4,6

0,3

00

5,2

2,6

00

10

.613

.5

2In

du

sty

, o

f w

hic

h16

,20

,80

019

,65

,90

023

.621

.3

2.1

In

fra

stru

ctu

re5

,26

,60

06

,19

,10

038

.617

.6

2.2

Mic

ro a

nd

Sm

all

Indu

str

ies

2,2

9,1

00

2,5

9,2

00

11.0

13

.1

3S

erv

ice

s9

,00

,80

010

,33

,00

023

.914

.7

3.1

Tra

de

1,8

6,3

00

2,2

0,9

00

13

.218

.6

3.2

Com

merc

ial R

ea

l Est

ate

1,1

1,8

00

1,2

0,5

00

21

.47

.8

3.3

Tou

rism

, H

ote

ls a

nd

Rest

au

ran

ts27

,70

031

,30

042

.912

.9

3.4

Co

mpu

ter

So

ftw

are

15

,10

015

,40

020

.32

.1

3.5

Non

Ban

kin

g F

inan

cia

l Co

mpan

ies

(NB

FC

s)1

,75

,60

02

,21

,80

054

.826

.3

4P

ers

on

al

Lo

an

s6

,85

,40

07

,68

,30

017

.012

.1

4.1

Cre

dit

Ca

rd O

uts

tand

ing

18

,10

020

,40

0-1

0.2

12

.9

4.2

Edu

ca

tion

43

,70

050

,20

018

.614

.8

4.3

Hou

sin

g (

incl

ud

ing

Prio

rity

Se

cto

r H

ou

sin

g)

3,4

6,1

00

3,8

8,0

00

15

.012

.14

.4 A

dvan

ce

s aga

inst

Fix

ed

Depo

sit

incl

ud

ing

FC

NR

(B

) N

RN

R D

epo

sits

etc

.,)

60

,50

068

,50

024

.413

.2

5To

tal N

on

fo

od

Gro

ss

Ban

k C

red

it36

,67

,40

042

,89

,70

020

.617

.0

6To

tal G

ross

Ban

k C

red

it37

,31

,50

043

,71

,40

020

.817

.1

No

tes:1

. P

erc

en

tage

va

ria

tion

cou

ld b

e s

ligh

tly d

iffere

nt as

ab

so

lute

nu

mbe

rs

ha

ve b

een

rounded

off

to C

rore

s

2. C

om

ponen

ts m

ay

no

t add

up

due

to r

ound

ing

off n

um

be

rs o

f C

rore

s

Sou

rce

: S

ect

ora

l and

Indu

str

ial d

ep

loym

en

t of B

an

k C

red

it R

etu

rn (

Mon

thly

)

Sl.

No

.S

ect

or

Ou

tsta

nd

ing

as

on

% v

aria

tion

SE

CT

OR

AL

DE

PL

OY

ME

NT

OF

GR

OS

S B

AN

K C

RE

DIT

116

(Am

ount in

Cro

res)

Am

ount

Ou

tsta

ndin

g

Pe

rcenta

ge

of A

NB

C/

OB

E*

Am

ount

Ou

tsta

ndin

g

Pe

rcenta

ge

of A

NB

C/

OB

E*

Am

ount

Ou

tsta

ndin

g

Pe

rcenta

ge

of A

NB

C/

OB

E*

11,3

0,7

00

37.2

2,8

6,4

00

39.4

80,5

00

40.9

4,7

8,6

00

15.8

1,0

4,2

00

14.3

100

0.1

2,8

8,8

00

9.5

38,9

00

5.4

--

3,9

6,6

00

13.1

1,1

0,5

00

15.2

21,7

00

11

No

tes:

1. *

Prio

rity

se

cto

r le

ndin

g targ

et se

t a

t 40%

of

adju

ste

d n

et bank c

redit(

AN

BC

) o

r cre

dit

equiv

ale

nt

am

ount of o

ff b

ala

nce

sheet exposu

re (

OB

E)

wh

icheve

r is

hig

her

as o

n M

arc

h 3

1st o

f th

e p

revio

us y

ear

2. **

Fo

r agri

cu

ltu

re, th

e s

ub targ

et is

se

t a

t 18 p

er

cent of A

NB

C/O

BE

, w

hic

heve

r is

hig

her

as a

t end-M

arc

h o

f th

e p

revio

us y

ear.

3. **

* F

or

fore

ign b

anks, th

e ta

rget of p

rio

rity

se

cto

r le

ndin

g is

se

t a

t 32 p

er

cent of A

NB

C/O

BE

,

wh

icheve

r is

hig

her,

as a

t end-M

arc

h o

f th

e p

revi

ous y

ear.

4. F

igure

s r

eport

ed a

s "

per

cent of A

NB

C/O

BE

" a

re c

alc

ula

ted a

s a

mount of p

rio

rity

se

cto

r

adva

nce

s a

s p

er

cent of A

NB

C/O

BE

wh

icheve

r is

hig

her,

as a

t th

e e

nd-M

arc

h o

f th

e p

revio

us y

ear.

5. -

Nil

/ N

eglig

ible

6. D

ata

are

pro

vis

ional.

To

tal

Pri

ori

ty S

ecto

r A

dv

an

ces

Of w

hic

h

Ag

ricu

ltu

re *

*

Weake

r S

ectio

ns

Sm

all

En

terp

rise

s

PR

IOR

ITY

SE

CT

OR

LE

ND

ING

BY

BA

NK

S

(As o

n la

st re

port

ing F

riday

of

Marc

h 2

012)

Ite

m

Public

Se

cto

r B

anks

Priva

te S

ecto

r B

anks

Fo

reig

n B

anks**

*

117

118

(in

lakh

s)

201

1201

2201

1201

2

1P

ub

lic S

ec

tor

Ba

nk

s30

.80

30

.60

170

0215

0

1.1

Na

tiona

lised

Ban

ks

7.8

08

.40

80

0103

0

1.2

SB

I G

rou

p23

.00

22

.20

90

011

20

2P

riv

ate

Sec

tor

Ba

nk

s93

.20

96

.70

53

060

0

2.1

Old

Priva

te S

ect

or

Ban

ks

0.4

00

.40

12

014

0

2.2

Ne

w P

riva

te S

ect

or

Ban

ks

92

.80

96

.30

41

046

0

3F

ore

ign

Ban

ks

56

.40

49

.20

39

38

All S

CB

s (

1+

2+

3)

180

.40

176

.50

228

0278

0

No

te:

Co

mponen

ts m

ay

no

t add

up

to to

tal d

ue

to r

ound

ing

off

nu

mbe

rs to

Cro

res.

Sl.N

o.

Ban

k G

rou

p

Ou

tsta

nd

ing

Num

be

r o

f C

red

it C

ard

sO

uts

tand

ing

Num

be

r o

f D

eb

it C

ard

s

Cre

dit

an

d D

eb

it C

ard

s I

ss

ue

d b

y S

ch

ed

ule

d C

om

merc

ial B

an

ks

(As

at

end

-Ma

rch

)

119

Percentage Variation

2010-11 2011-12 2011-12

AHMEDABAD 5,190 4,590 -11.6

BANGALORE 3,470 3,486 0.5

BHOPAL 5,210 5,953 14.3

BHUBANESWAR 1,124 1,826 62.5

CHANDIGARH 3,559 3,521 -1.1

CHENNAI 7,668 6,614 -13.7

GUWAHATI 584 708 21.2

HYDERABAD 5,012 5,167 3.1

JAIPUR 3,512 4,209 19.8

KANPUR 8,319 9,633 15.8

KOLKATA 5,192 4,838 -6.8

MUMBAI 7,566 7,905 4.5

NEW DELHI 10,508 9,180 -12.6

PATNA 2,283 2,718 19.1

THIRUVANANTHAPURAM 2,077 2,541 22.3

TOTAL 71,274 72,889 2.3

Source: Various Regional offices of Banking Ombudsman.

Region-wise Complaints Received at Banking Ombudsman Offices

Banking Ombudsman OfficeNumber of Complaints

120

Coun

try

Nu

mbe

r o

f B

ran

che

s (

pe

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124

125

126

(Amount in Crores)

2010-11 2011-12P 2010-11 2011-12P

1 Income (i + ii) 16200 20100 17.2 24.1

I. Interest income 15200 18900 17.6 24.3

ii. Other income 1000 1100 12.4 10.0

2 Expe nditure (i+ii+iii) 14500 18100 21.4 24.8

i. interest expended 8600 11200 16.7 30.2

ii. Operating expenses 4900 5500 38.0 12.2

of which wage bill 3800 4000 42.9 5.3

iii. Provisions and contingencies 1000 1300 -3.9 30.0

3 Profit

i. Operating profit 2700 3300 -6.9 22.2

ii. Net profit 1700 2000 -8.5 17.6

4 Total A ssets 2,15,400 2,42,500 17.0 12.6

5 Financial ratios #

i. Operating profit 130.0 140.0

ii. Net Profit 80.0 80.0

iii. Income (a+b) 750.0 830.0

a)Interest income 700.0 780.0

b) Other income 50.0 50.0

iv. Expenditure (a+b+c) 670.0 740.0

a) Interest expended 400.0 460.0

b) Operating expenses 230.0 230.0

Of which wage bill 60.0 160.0

c) Provisions and Contingencies 50.0 50.0

Notes:

1. P. Provisional

2. # Financial ratios are with respect to average total asseets

3. Percentage variation could be slightly different as absolute numbers

have been rounded off to Crores

4. Components may not add up to total due to rounding off

numbers to Crores

Sl.No. ItemAmount Percentage variation

Financial Performance of Regional Rural Banks

127

(Amount in Crores)

2011 2012P

1 Agriculture (i to iii) 55100 64100

[55.7] [53.2]

i. Short term credit (crop loans) 40700 47400

ii. Term credit (for agriculture and other allied activities. 14400 16700

iii. Indirect advances - -

2 Non agriculture (I to iv) 43900 56400

[44.3] [46.8]

i. Rural artisans 900 1100

ii. Other industries 2600 3600

iii. Retail trade 5100 6600

iv. Other purposes 35300 45200

Total (1 + 2) 98900 120600

a) Priority Sector 82600 97400

b) Non Priority sector 16300 23100

c) Percentage share of priority sector in total credit 83.5 80.8

Notes:

1. P. Provisional. - : Nil/Negligible

2. Percentage share in total credit as provided in parentheses could

slightly differ due to rounding off numbers to Crores

3. Components may not add up to total due to rounding off numbers to Crores

Purpose-wise Distribution of Credit fromRegional Rural Banks

Sl.No. PurposeAs at end-March

Memo items:

128

Documents

CONTENTS€¦ · · 2013-03-1028 Gross NPA 44,957 59,927 74,664 117,262 29 Net NP A 21,047 29,643 36,055 59,162 ... Sl Name of the Bank 2008-09 2009-10 2010-11 2011-12 ... 14 Punjab