Mar '05 Mar '06 Mar '07 Mar '08 Mar '09

Investment valuation ratios

Face value 10.00 10.00 10.00 10.00 10.00

Dividend per share 3.00 4.00 3.00 3.00 2.50

Operating profit per share (rs) 21.74 14.25 18.19 27.08 27.92

Net operating profit per share (rs) 100.95 90.88 114.42 158.53 181.54

Free reserves per share (rs) 9.89 40.35 46.58 57.96 62.00

Bonus in equity capital -- -- -- -- --

Profitability ratios

Interest spread 4.14 3.62 3.12 3.19 3.63

Adjusted cash margin(%) 17.05 18.02 15.58 14.44 10.12

Net profit margin 15.31 16.92 14.65 13.69 9.43

Return on long term fund(%) 105.16 81.45 88.78 106.77 126.10

Return on net worth(%) 27.93 23.67 18.49 18.57 13.13

Adjusted return on net worth(%) 24.53 19.61 16.75 18.57 15.43

Return on assets excluding

1.20 1.28 100.22 117.47 111.45
revaluations

Return on assets including

1.20 1.28 100.22 117.47 131.00
revaluations

Management efficiency ratios

Interest income / total funds 8.77 8.08 8.31 9.40 8.98

Net interest income / total funds 4.20 3.72 3.22 3.43 3.22

Non interest income / total funds 0.10 0.22 0.01 0.05 0.04

Interest expended / total funds 4.56 4.36 5.10 5.97 5.77

Operating expense / total funds 2.32 2.46 1.90 1.82 1.83

Profit before provisions / total

1.90 1.41 1.26 1.58 1.36
funds
Net profit / total funds 1.36 1.41 1.22 1.29 0.85

Loans turnover 0.19 0.16 0.15 0.16 0.15

Total income / capital

8.86 8.31 8.33 9.45 9.03
employed(%)

Interest expended / capital

4.56 4.36 5.10 5.97 5.77
employed(%)

Total assets turnover ratios 0.09 0.08 0.08 0.09 0.09

Asset turnover ratio 3.49 3.86 3.61 4.78 5.14

Profit and loss account ratios

Interest expended / interest earned 57.18 58.13 64.15 71.64 70.69

Other income / total income 1.10 2.70 0.14 0.48 0.49

Operating expense / total income 26.13 29.56 22.77 19.30 20.33

Selling distribution cost

0.29 0.56 0.40 0.21 0.17
composition

Balance sheet ratios

Capital adequacy ratio 12.53 13.37 12.52 12.04 13.11

Advances / loans funds(%) 58.32 65.18 76.22 74.65 73.82

Debt coverage ratios

Credit deposit ratio 50.52 56.35 65.19 69.39 69.30

Investment deposit ratio 47.82 41.42 34.00 32.13 33.88

Cash deposit ratio 6.34 5.70 6.23 7.90 7.28

Total debt to owners fund 17.51 13.33 13.30 13.65 17.07

Financial charges coverage ratio 1.44 1.34 1.26 1.28 1.25

Financial charges coverage ratio

1.32 1.34 1.25 1.23 1.16
post tax

Leverage ratios

Current ratio 0.02 0.06 0.03 0.02 0.02

Quick ratio 12.74 11.21 13.88 13.47 11.10

Cash flow indicator ratios

 24.95 28.85 20.90 16.08 16.99
Dividend payout ratio net profit

Dividend payout ratio cash profit 23.54 27.36 19.65 15.25 15.83

Earning retention ratio 76.33 71.46 79.10 83.92 83.01

Cash earning retention ratio 77.60 72.92 80.35 84.75 84.17

Adjustedcash flow times 67.54 64.47 74.65 69.67 103.01

Mar '06 Mar '07 Mar '08 Mar '09 Mar '10

Earnings per share 15.81 16.79 21.82 17.21 27.01

Book value 81.45 100.22 117.47 111.45 131.73