New

RATIOS - KEY FINANCIAL RATIOS - Bank of PunjabCOMPANY/RATIOS/KEY FINANCIAL RATIOS/4904/Bank of Punjab

199503 199603 199703 199803 199903 200003 200103Key RatiosCredit-Deposit(%) 0 81.86 52.83 41.07 44.09 49.01 49.59Investment / Deposit (%) 0 32.53 49.16 52.68 48.64 48.47 48.76Cash / Deposit (%) 0 16.63 12.44 10.97 11 10.41 8.24Interest Expended / Interest Earned (%) 2.68 24.68 66.65 73.13 77.91 71.96 66.78Other Income / Total Income (%) 0 14.89 22.28 21.79 18.66 15 11.43Operating Expenses / Total Income (%) 91.96 29.22 23.36 20.14 18.44 21.41 22.43Interest Income / Total Funds (%) 0.51 4.97 10.61 11.41 10.17 9.89 9.82Interest Expended / Total Funds (%) 0.01 1.23 7.07 8.35 7.92 7.12 6.56Net Interest Income / Total Funds (%) 0.5 3.75 3.54 3.07 2.25 2.77 3.26Non Interest Income / Total Funds (%) 0 0.87 3.04 3.18 2.33 1.75 1.27Operating Expenses / Total Funds (%) 0.47 1.71 3.19 2.94 2.31 2.49 2.49Profit before Provisions / Total Funds (%) 0.03 2.91 3.39 3.31 2.27 2.03 2.04Net Profit / Total funds (%) 0.03 2.38 2.95 2.49 1.77 1.25 1RONW (%) 0.24 14.53 19.87 25.59 22.62 20.8 20.11YEAR 1995 1996 1997 1998 1999 2000 2001

200203 200303 200403 200503

48.65 49.09 53.72 56.544.24 41.14 39.56 35.23

6.93 9.27 9.43 7.6875.19 72.05 62.31 58.9425.93 28.36 28.61 24.5222.83 25.51 33.29 51.04

9.52 8.62 7.43 6.757.16 6.21 4.63 3.982.36 2.41 2.8 2.773.33 3.41 2.98 2.192.93 3.07 3.46 4.562.76 2.75 2.31 0.40.94 0.78 0.81 -1.26

19.27 15.69 16.15 02002 2003 2004 2005

FINANCE - CASH FLOW - Bank of Punjab (Curr: Rs in Cr.)COMPANY/FINANCE/CASH FLOW/4904/Bank of Punjab

199503 199603 199703 199803 199903 Cash Flow Summary Cash and Cash Equivalents at Beginning of the year 0 335.09 108.55 151.2 235.12 Net Cash from Operating Activities -9.76 -5.04 59.09 98.35 54.92 Net Cash Used in Investing Activities -1.61 -10.37 -10.14 -7.08 -10.56 Net Cash Used in Financing Activities 346.46 -211.12 -6.3 -7.35 0 Net Inc/(Dec) in Cash and Cash Equivalent 335.09 -226.53 42.65 83.92 44.36 Cash and Cash Equivalents at End of the year 335.09 108.56 151.2 235.12 279.48 Year 1995 1996 1997 1998 1999

200003 200103 200203 200303 200403 200503

279.49 332.37 380.81 496.84 529.61 499.54103.56 59.33 165.17 31.87 7.18 111.8-34.36 -43.41 -69.94 -35.45 -29.55 -30.58-16.32 32.52 20.8 36.35 -7.7 -0.5252.88 48.44 116.03 32.77 -30.07 80.7

332.37 380.81 496.84 529.61 499.54 580.242000 2001 2002 2003 2004 2005

FINANCE - FUNDS FLOW - Actual - Bank of Punjab (Curr: Rs in Cr.)COMPANY/FINANCE/FUNDS FLOW/4904/Bank of Punjab

199503 199603 199703 199803 199903 200003Sources of funds

Cash Profit 0.15 14.16 28.61 40.35 44.68 47.12 Increase in Equity 75.48 29.52 0 0 0 0 Other Increases in other Networth 0 0 0 0.01 0 0 Increase in Deposits 0 278.29 553.13 489.27 445.41 841.64 Increase in Borrowing 0 20.46 10.17 0 60.06 162.51 Increase in other Liabilities and Provisions 582.23 0 14.9 14.49 47.09 57.37 Decrease in cash and bank balances 0 0 0 0 0 0 Decrease in money at call 0 272.81 2.81 0 6.53 11.79 Decrease In advances 0 0 0 0 0 0 Decrease in investments 0 0 0 0 0 0 Decrease in Fixed assets 0 0 0 0 0 0 Other assets 0 305.47 0 0 0 0Total Inflow 657.86 920.71 609.62 544.12 603.77 1120.43

Application of funds

Cash Loss 0 0 0 0 0 0 Decrease in networth 0 0 0 0 1.47 1.88 Decrease in deposits 0 0 0 0 0 0 Decrease in borrowings 0 0 0 26.71 0 0 Decrease in other liabilities and provisions 0 522.43 0 0 0 0 Increase in cash and bank balances 0 46.27 45.46 52.66 50.89 64.68 Increase in money at call 335.09 0 0 31.26 0 0 Increase in advances 6.5 214.8 143.69 153.79 323.53 459.09 Increase in investments 0 90.54 364.4 223.93 143.7 474.68 Increase in fixed assets 1.61 36.45 19.26 26.61 22.71 46.6 Increase in other assets 314.66 0 23.68 14.46 46.77 57.75 Dividend 0 10.22 13.13 14.7 14.7 15.75Total Outflow 657.86 920.71 609.62 544.12 603.77 1120.43Year 1995 1996 1997 1998 1999 2000

200103 200203 200303 200403 200503

54.11 57.25 56.97 68.84 00 0 0 0 00 0 0 0 1.77

447.05 298.78 236.03 547.28 169.7474.06 0 84.3 0 0

6.63 91.88 64.05 53.74 053.43 0 0 83.24 0

0 0 135.41 0 00 0 0 0 00 92.56 0 0 169.160 0 0 0 00 16.33 0 60.08 0

635.28 556.8 576.76 813.18 340.67

0 0 0 0 30.767.77 10.04 1.77 1.02 0

0 0 0 0 00 242.57 0 80.32 53.550 0 0 0 25.50 31.25 168.18 0 3.16

101.87 84.78 0 53.18 77.53205.05 105.03 185.64 556.34 63.53166.58 0 113.64 86.93 0

42.88 69.48 32.51 28.56 29.2496.43 0 68.19 0 57.4

14.7 13.65 6.83 6.83 0635.28 556.8 576.76 813.18 340.67

2001 2002 2003 2004 2005

FINANCE - PROFIT AND LOSS - Bank of Punjab (Curr: Rs in Cr.)COMPANY/FINANCE/PROFIT AND LOSS/4904/Bank of Punjab

199603 (12) 199703 (12) 199803 (12) INCOME : Interest Earned 27.96 80.68 148.55 Other Income 4.89 23.13 41.38

Total 32.85 103.81 189.93

II. Expenditure Interest expended 6.9 53.77 108.64 Payments to/Provisions for Employees 1.56 3.73 5.73 Operating Expenses & Administrative Expenses 3.91 8.93 13.96 Depreciation 0.75 6.13 7.71 Other Expenses, Provisions & Contingencies 6.26 6.3 12.84 Provision for Tax 0.11 2.51 8.7 Fringe Benefit tax 0 0 0 Deferred Tax 0 0 0

Total 19.49 81.37 157.58

III. Profit & Loss Reported Net Profit 13.36 22.44 32.35 Extraordinary Items 0 0 0 Adjusted Net Profit 13.36 22.44 32.35 Prior Year Adjustments 0 0 0 Profit brought forward 0.12 0.59 3.63 IV. Appropriations Transfer to Statutory Reserve 2.67 6.28 8.09 Transfer to Other Reserves 0 0 0 Trans. to Government /Proposed Dividend 10.22 13.13 14.7 Balance carried forward to Balance Sheet 0.59 3.62 13.19

Equity Dividend % 10 12.5 14 Earnings Per Share-Unit Curr 1.27 2.14 3.08 Earnings Per Share(Adj)-Unit Curr 1.27 2.14 3.08 Book Value-Unit Curr 10.31 11.2 12.88 Book Value(Adj)-Unit Curr 10.31 11.2 12.88

199903 (12) 200003 (12) 200103 (12) 200203 (12) 200303 (12) 200403 (12) 200503 (12)

186.45 262.81 340.41 363.18 353.39 339.94 328.642.78 46.37 43.94 127.11 139.91 136.23 106.76

229.23 309.18 384.35 490.29 493.3 476.17 435.36

145.26 189.11 227.33 273.07 254.61 211.82 193.687.17 7.76 8.81 13.31 16.59 20.81 28.86

15.92 25.02 34.99 48.85 53.82 64.73 69.5711.42 13.24 19.54 22.18 26.61 31.69 32.0614.62 32.43 52.85 74.96 102.48 101.12 201.63

2.42 8.51 6.01 17.6 6.6 7.32 3.520 0 0 0 0 0 00 0 0 4.6 0.75 1.68 -32.72

196.81 276.07 349.53 454.57 461.46 439.17 496.6

32.42 33.11 34.82 35.72 31.84 37 -61.24-0.04 -0.1 -0.23 -0.13 -0.36 -0.75 -0.1832.46 33.21 35.05 35.85 32.2 37.75 -61.06

0 0 0.75 -10.04 -0.9 -0.15 1.7713.19 19.71 18.24 23.62 13.91 10.14 2.57

9.73 9.94 12.19 9.11 8 9.26 00 0 1.8 12.63 19.01 27.46 0.03

16.17 17.62 16.2 13.65 7.7 7.7 019.71 25.26 23.62 13.91 10.14 2.57 -56.93

14 15 14 13 6.5 6.5 02.95 2.98 3.17 3.4 2.95 3.44 02.95 2.98 3.17 3.4 2.95 3.44 0

14.43 15.9 17.08 18.22 20.44 23.21 17.5514.43 15.9 17.08 18.22 20.44 23.21 17.55

FINANCE - BALANCE SHEET - Bank of Punjab (Curr: Rs in Cr.)COMPANY/FINANCE/BALANCE SHEET/4904/Bank of Punjab

199603 199703 199803 199903 200003 200103 SOURCES OF FUNDS : Capital 105 105 105 105 105 105 Reserves Total 3.26 12.57 30.23 46.48 61.96 74.31 Equity Share Warrants 0 0 0 0 0 0 Equity Application Money 0 0 0 0 0 0 Deposits 278.29 831.42 1320.69 1766.1 2607.74 3054.79 Borrowings 20.46 30.63 3.92 63.98 226.49 300.55 Other Liabilities & Provisions 59.8 74.7 89.19 136.28 193.65 200.28 Others 0 0 0 0 0 0

TOTAL LIABILITIES 466.81 1054.32 1549.03 2117.84 3194.84 3734.93

APPLICATION OF FUNDS : Cash & Balances with RBI 46.27 91.73 144.39 195.28 259.96 206.53 Balances with Banks & money at Call 62.28 59.47 90.73 84.2 72.41 174.28 Investments 90.54 454.94 678.87 822.57 1297.25 1463.83 Advances 221.3 364.99 518.78 842.31 1301.4 1506.45 Fixed Assets 37.23 50.32 68.93 79.38 111.97 135.56 Other Assets 9.19 32.87 47.33 94.1 151.85 248.28 Miscellaneous Expenditure not written off 0 0 0 0 0 0 Others 0 0 0 0 0 0

TOTAL ASSETS 466.81 1054.32 1549.03 2117.84 3194.84 3734.93

Contingent Liability 119.68 414.75 747.04 1106.93 1705.72 1403.72 Bills for collection 4.85 31.52 38.09 6.25 22.19 23.28

200203 200303 200403 200503

105 105 105 10586.34 109.58 138.73 79.26

0 0 0 00 0 0 0

3353.57 3589.6 4136.88 4306.6257.98 142.28 61.96 8.41

292.16 356.21 409.95 384.450 0 0 0

3895.05 4302.67 4852.52 4883.74

237.78 405.96 322.72 325.88259.06 123.65 176.83 254.36

1371.27 1484.91 1571.84 1402.681611.48 1797.12 2353.46 2416.99

183.51 190.89 187.61 186.37231.95 300.14 240.06 297.46

0 0 0 00 0 0 0

3895.05 4302.67 4852.52 4883.74

1373.72 910.6 1409.97 1067.4816.06 17.89 28.78 23.94

GENERAL - BACKGROUND - Bank of PunjabCOMPANY/GENERAL/BACKGROUND/4904/Bank of Punjab

Registered AddressSCO 46-47

Sector 9-D Madhya MargChandigarh - 160017 - Chandigarh

Tel. 91-0172-2741196/2743892/2741784Fax. 91-0172-2743894

[email protected]://www.bankofpunjab.com

ProfileGroup : Indian PrivateSector : BanksIndustry : Banks - Private SectorChairman :Auditors : V K Metha & Co/Datta Singla & CoSecretary : BalBir BajajInc. Year : 1994Inc. Date :AGM Date : 03/08/2005Financial Year : MarBook Closure : Jul/Aug

ListingNot Listed

Registrar & Transfer AgentsKarvy Computershare Pvt Ltd

Karvy House 46, Road No 4 Street No1, Banjara Hills, Hyderabad - 500034

Tel. 91-40-23312454/23320, Fax. 91-040-23311968

Head OfficeSCO 46-47

Sector 9-D Madhya MargChandigarh - 160017 - Chandigarh

Tel. 91-0172-2741196/2743892/2741784Fax. 91-0172-2743894

[email protected]://www.bankofpunjab.com

Profile Stock Data4-IP BSE Code : 500070

BSE Group : B6-00000034 NSE Symbol : BANKPUNJAB

ISIN Demat : INE458A01012 Reuters : BOP.BO Bloomberg : BOP IN Par Value(Rs) 9:59 Tot. Employees 1888:59:00 NIC Activity : Monetary intermediation of commercial banks, savin NIC Code : 65191

RATIOS - KEY FINANCIAL RATIOS - Catholic BankCOMPANY/RATIOS/KEY FINANCIAL RATIOS/5525/Catholic Bank

199503 199603 199703 200003 200103 200203 200303Key RatiosCredit-Deposit(%) 55.33 59.09 61.5 43.16 44.4 41.46 40.04Investment / Deposit (%) 33.58 32.52 30.86 40.47 39.97 41.14 47.28Cash / Deposit (%) 17.26 13.69 10.78 7.44 6.58 6.17 6.27Interest Expended / Interest Earned (%) 70.31 72.18 76.24 77.74 74.02 76.04 74.23Other Income / Total Income (%) 7.88 11.25 9.55 13.4 13.37 22.95 26.52Operating Expenses / Total Income (%) 28.46 25.52 23.92 24.38 22.41 20.39 21.79Interest Income / Total Funds (%) 10.83 11.97 13.38 10.53 11.02 10.41 9.45Interest Expended / Total Funds (%) 7.61 8.64 10.2 8.18 8.16 7.92 7.02Net Interest Income / Total Funds (%) 3.22 3.33 3.18 2.34 2.86 2.5 2.44Non Interest Income / Total Funds (%) 0.93 1.52 1.41 1.63 1.7 3.1 3.41Operating Expenses / Total Funds (%) 3.35 3.44 3.54 2.96 2.85 2.76 2.8Profit before Provisions / Total Funds (%) 0.8 1.41 1.05 1.01 1.71 2.84 3.05Net Profit / Total funds (%) 0.38 0.03 0.25 0.25 0.4 1.15 1.23RONW (%) 17.72 1.42 14.55 11.4 17.84 42.96 36.89YEAR 1995 1996 1997 2000 2001 2002 2003

200403 200503 200603 200703 200803 200903 201003 201103

45.61 53 59.98 63.15 62.85 60.06 61.23 68.0549.12 39.76 33.15 33.03 33.51 34.36 33.61 31.71

5.17 6.73 8.22 8.75 9.71 7.53 7.18 7.4765.78 60.29 59.77 61.5 65.91 70.22 78.75 67.4425.85 14.3 11.94 9.64 11.26 15.66 11.34 8.9124.47 28.63 38.24 30.53 27.86 28.26 29 34.55

8.76 8.44 7.93 8.13 8.6 8.62 7.89 8.745.76 5.09 4.74 5 5.67 6.05 6.21 5.89

3 3.35 3.19 3.13 2.93 2.57 1.68 2.853.05 1.41 1.08 0.87 1.09 1.6 1.01 0.852.89 2.82 3.45 2.75 2.7 2.89 2.58 3.313.16 1.94 0.82 1.25 1.32 1.28 0.1 0.391.39 0.24 0.13 0.38 0.65 0.58 0.02 0.14

35.35 5.79 3.2 9.71 15.84 12.17 0.47 2.852004 2005 2006 2007 2008 2009 2010 2011

FINANCE - CASH FLOW - Catholic Bank (Curr: Rs in Cr.)COMPANY/FINANCE/CASH FLOW/5525/Catholic Bank

200303 200403 200503 200603 200703 Cash Flow Summary Cash and Cash Equivalents at Beginning of the year 740.71 391.43 421.87 684.32 496.54 Net Cash from Operating Activities -349.22 36.69 254.73 -211.84 75.29 Net Cash Used in Investing Activities -5.57 -10.08 -8.74 -6.99 -9.1 Net Cash Used in Financing Activities 5.51 3.83 16.46 31.05 -9.91 Net Inc/(Dec) in Cash and Cash Equivalent -349.28 30.44 262.45 -187.78 56.28 Cash and Cash Equivalents at End of the year 391.43 421.87 684.32 496.54 552.82 Year 2003 2004 2005 2006 2007

200803 200903 201003 201103

552.82 589.49 947.59 705.657.18 335.24 -225.84 -139.16

-17.51 -14.62 -6.52 -5.17-3 37.48 -9.63 138.82

36.67 358.1 -241.99 -5.51589.49 947.59 705.6 700.09

2008 2009 2010 2011

FINANCE - FUNDS FLOW - Actual - Catholic Bank (Curr: Rs in Cr.)COMPANY/FINANCE/FUNDS FLOW/5525/Catholic Bank

199503 199603 199703 200003 200103 200203Sources of funds

Cash Profit 6.16 1.1 10.2 39.83 15.32 36.09 Increase in Equity 0.08 0.05 0.01 10.52 0.03 0 Other Increases in other Networth 0 0 0 41 0 0 Increase in Deposits 171.35 282.52 147.01 2457.77 318.03 415.57 Increase in Borrowing 36.82 1.71 0 67.45 0 0 Increase in other Liabilities and Provisions 6.48 0 13.9 108.67 4.92 53.23 Decrease in cash and bank balances 37.51 0 53.54 0 21.27 0 Decrease in money at call 9.55 6.65 0 0 8.97 0 Decrease In advances 0 0 0 0 0 52.04 Decrease in investments 0 0 0 0 0 0 Decrease in Fixed assets 0 0 0 0 1.57 1.82 Other assets 0 7.18 0 0 0 0Total Inflow 267.95 299.21 224.66 2725.24 370.11 558.75


Cash Loss 0 0 0 0 0 0 Decrease in networth 1.61 1.53 0.18 0 1.43 0.31 Decrease in deposits 0 0 0 0 0 0 Decrease in borrowings 0 0 6.73 0 37.25 14.55 Decrease in other liabilities and provisions 0 19.38 0 0 0 0 Increase in cash and bank balances 0 27.52 0 182.94 0 44.84 Increase in money at call 0 0 17.79 316.03 0 227.14 Increase in advances 142.12 202.36 121.46 1060.71 202.26 0 Increase in investments 99.7 26.28 65.27 994.76 102.58 259.99 Increase in fixed assets 5.59 22.14 5.98 64.25 0 0 Increase in other assets 18.93 0 7.25 106.55 26.59 11.92 Dividend 0 0 0 0 0 0Total Outflow 267.95 299.21 224.66 2725.24 370.11 558.75Year 1995 1996 1997 2000 2001 2002

200303 200403 200503 200603 200703 200803 200903 201003 201103

43.47 58.22 12.1 7.3 23.97 41.8 38.24 10.27 19.650.03 0.06 0.03 0.04 0.06 1.77 6.34 0.05 12.42

0 0 0.05 0.05 0 31.12 42.91 0.5 134.41314.83 374.25 140.67 267.73 459.74 569.03 1015.21 645.52 1747.32

0 19.55 0 0 3.91 2.1 86.62 0 230.9548.06 0 0 84.55 21.78 13.89 0 2.23 6.32

0 45.23 0 44.42 0 0 136.25 0 0356.17 0 0 143.36 95.45 0 0 457.38 7.01

0 0 0 0 0 0 0 0 00 0 495.93 0 0 0 0 0 0

1.09 4.9 0 0 0 0 0 0 00 27.71 32.23 0 8.22 0 21.41 0 3.88

763.65 529.92 681.01 547.45 613.13 659.71 1346.98 1115.95 2161.96

0 0 0 0 0 0 0 0 09.98 13.97 0 0 14.33 0 0 0 0

0 0 0 0 0 0 0 0 014.13 0 20.61 0.16 0 0 0 0.06 0

0 0.1 0.16 0 0 0 108.86 0 06.89 0 195.57 0 151.73 35.45 0 215.39 1.5

0 75.66 66.89 0 0 1.22 494.35 0 0259.77 427.54 391.09 405.54 317.77 300.91 370.29 783.1 1753.08451.97 9.64 0 108.58 121.7 266.14 364.54 105.44 400.85

0 0 4.86 5.94 5.99 13.68 6.36 4.1 3.3820.91 0 0 27.23 0 38.55 0 7.86 0

0 3.01 1.83 0 1.61 3.76 2.58 0 3.15763.65 529.92 681.01 547.45 613.13 659.71 1346.98 1115.95 2161.96

2003 2004 2005 2006 2007 2008 2009 2010 2011

FINANCE - PROFIT AND LOSS - Catholic Bank (Curr: Rs in Cr.)COMPANY/FINANCE/PROFIT AND LOSS/5525/Catholic Bank


Total 136.95 189.55 239.18

II. Expenditure Interest expended 88.7 121.42 164.93 Payments to/Provisions for Employees 26.12 34.48 35.9 Operating Expenses & Administrative Expenses 8.81 8.15 9.81 Depreciation 1.42 1.85 7.35 Other Expenses, Provisions & Contingencies 7.43 23.28 15.22 Provision for Tax 0 0 1.97 Fringe Benefit tax 0 0 0 Deferred Tax 0 0 0

Total 132.48 189.18 235.18

III. Profit & Loss Reported Net Profit 4.47 0.37 4 Extraordinary Items 0.01 0.02 0.05 Adjusted Net Profit 4.46 0.35 3.95 Prior Year Adjustments -1.39 0 0 Profit brought forward 0 0.01 0.15 IV. Appropriations Transfer to Statutory Reserve 0.92 0.15 1.22 Transfer to Other Reserves 0.81 0.08 2.18 Trans. to Government /Proposed Dividend 0 0 0 Balance carried forward to Balance Sheet 1.35 0.15 0.75

Equity Dividend % 0 0 0 Earnings Per Share-Unit Curr 8.36 0.69 7.39 Earnings Per Share(Adj)-Unit Curr NA NA NA Book Value-Unit Curr 49.89 47.37 54.36 Book Value(Adj)-Unit Curr NA NA NA

200003 (12) 200103 (12) 200203 (12) 200303 (12) 200403 (12) 200503 (12) 200603 (12) 200703 (12)

283.38 312.98 336.7 347.01 357.15 368.19 365.29 408.9543.83 48.3 100.28 125.25 124.51 61.44 49.51 43.61

327.21 361.28 436.98 472.26 481.66 429.63 414.8 452.56

220.29 231.66 256.03 257.58 234.94 222 218.34 251.5259.01 60.5 67.06 77.77 84.92 76.57 112.14 92.510.91 11.76 12.75 14.22 19.08 23.04 25.28 27.71

4.39 3.31 3.1 3.55 4.91 5.49 1.78 5.1320.98 36.94 36.64 45.18 48.1 87 52.86 43.42

5 5.86 24.28 31.8 33.21 4.87 -2.35 12.660 0 0 0 0 0 0.61 0.550 0 0 -3 0 0 0 0

320.58 350.03 399.86 427.1 425.16 418.97 408.66 433.49

6.63 11.25 37.12 45.16 56.5 10.66 6.14 19.070.01 0.01 0.05 0 0.02 -0.02 0.02 0.046.62 11.24 37.07 45.16 56.48 10.68 6.12 19.03

0 0 0 0 0 0 0 00.01 0.13 1.75 0.23 0.6 0 0.01 0.01

0 0 11.14 13.55 16.95 35.15 1.53 4.775.35 9.63 25.39 28.85 37.14 -26.33 4.61 12.41

0 0 0 0 3.01 1.83 0 1.891.29 1.75 2.34 2.99 0 0.01 0.01 0.01

0 0 0 0 25 15 0 156.3 10.66 35.18 42.68 53.1 9.99 5.73 17.45NA NA NA NA NA NA NA NA

55.28 64.45 99.35 132.34 168.8 176.67 181.83 183.78NA NA NA NA NA NA NA NA

200803 (12) 200903 (12) 201003 (12) 201103 (12)

481.26 556.62 577.96 762.1361.06 103.33 73.96 74.51

542.32 659.95 651.92 836.64

317.18 390.88 455.15 513.9898.39 119.22 116.65 212.2533.23 41.34 43.01 47.1

5.69 9.18 10.83 10.4833.07 44.07 34.19 35.3717.45 17.07 -9.56 5.28

0.75 1 0 00 0 0 0

505.76 622.76 650.27 824.46

36.56 37.19 1.65 12.180.07 1.22 -0.01 0.42

36.49 35.97 1.66 11.760 0 0 0

0.01 0 0.01 0

9.14 9.3 0.41 3.0423.23 25.3 1.25 5.47

4.2 2.58 0 3.670 0.01 0 0

30 15 0 1028.8 19.7 0.87 3.72

NA NA NA NA210.22 184.05 184.72 161.26

NA NA NA NA

FINANCE - BALANCE SHEET - Catholic Bank (Curr: Rs in Cr.)COMPANY/FINANCE/BALANCE SHEET/5525/Catholic Bank

199503 199603 199703 200003 200103 200203 SOURCES OF FUNDS : Capital 5.35 5.4 5.41 10.52 10.55 10.55 Reserves Total 21.34 20.18 24 47.63 57.45 94.26 Equity Share Warrants 0 0 0 0 0 0 Equity Application Money 0 0 0 0 0 0 Deposits 1098.19 1380.71 1527.72 2457.77 2775.8 3191.37 Borrowings 82.48 84.19 77.46 67.45 30.2 15.65 Other Liabilities & Provisions 66.45 47.07 60.97 108.67 113.59 166.82 Others 0 0 0 0 0 0



TOTAL ASSETS 1273.81 1537.55 1695.56 2692.04 2987.59 3478.65


200303 200403 200503 200603 200703 200803 200903 201003 201103

10.58 10.64 10.67 10.71 10.77 12.54 18.88 18.93 31.35129.44 180.36 199.18 204.87 218.63 292.62 369.42 370.9 513.7

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

3506.2 3880.45 4021.12 4288.85 4748.59 5317.62 6332.83 6978.35 8725.671.52 21.07 0.46 0.3 4.21 6.31 92.93 92.87 323.82

214.88 214.78 214.62 299.17 320.95 334.84 225.98 228.21 234.530 0 0 0 0 0 0 0 0

3862.62 4307.3 4446.05 4803.9 5303.15 5963.93 7040.04 7689.26 9829.07

213.4 168.17 363.74 319.32 471.05 506.5 370.25 585.64 587.14178.03 253.69 320.58 177.22 81.77 82.99 577.34 119.96 112.951809.3 1818.94 1323.01 1431.59 1553.29 1819.43 2183.97 2289.41 2690.261470.7 1898.24 2289.33 2694.87 3012.64 3313.55 3683.84 4466.94 6220.02

25.22 30 43.36 48.14 59.86 78.37 83.68 79.16 75.07165.97 138.26 106.03 132.76 124.54 163.09 140.96 148.15 143.63

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

3862.62 4307.3 4446.05 4803.9 5303.15 5963.93 7040.04 7689.26 9829.07

447.93 484.13 371.95 479.25 557.3 817.11 718.61 710.86 874.75131.07 142.93 124.18 128.79 133.95 133.1 84.52 79.28 72.53

GENERAL - BACKGROUND - Catholic BankCOMPANY/GENERAL/BACKGROUND/5525/Catholic Bank

Registered AddressP B No 502 CSB BhavanSt Mary`s College Road

Thrissur - 680020 - KeralaTel. 91-0487-2333020/277/420/477

Fax. [email protected]

http://www.csb.co.inProfile

Group : Indian Private 4-IPSector : BanksIndustry : Banks - Private Sector 6-00000034Chairman :Auditors : Essveeyar/Abraham & JoseSecretary : Sijo VarghesesInc. Year : 1920Inc. Date :AGM DateFinancial Year : MarBook Closure :

ListingNot Available

Head OfficeP B No 502St Mary's College Road

Thrissur680020

Stock Data BSE Code : - BSE Group : - NSE Symbol : - ISIN Demat : - Reuters : - Bloomberg : - Par Value(Rs) 9:59 Tot. Employees 2819:59:00 NIC Activity : Monetary intermediation of commercial banks, savin NIC Code : 65191 No. of Branches 363:59:00 No. of ATMs 158:59:00

RATIOS - KEY FINANCIAL RATIOS - City Union BankCOMPANY/RATIOS/KEY FINANCIAL RATIOS/7015/City Union Bank

199803 199903 200003 200103 200203 200303 200403Key RatiosCredit-Deposit(%) 58.13 55.23 55.92 55.99 52.84 51.81 53.43Investment / Deposit (%) 30.81 35.7 39.19 39.78 43.36 46.85 46.05Cash / Deposit (%) 14.11 12.87 10.92 10.01 8.51 6.93 6.91Interest Expended / Interest Earned (%) 80.23 82.36 73.45 71.15 74.27 71.56 65.15Other Income / Total Income (%) 14.85 15.55 15.85 13.7 19.54 18.77 19.41Operating Expenses / Total Income (%) 16.68 16.42 14.71 15.46 14.24 13.92 13.12Interest Income / Total Funds (%) 11.82 11.7 11.9 10.94 10.45 9.62 9.5Interest Expended / Total Funds (%) 9.48 9.64 8.74 7.79 7.76 6.89 6.19Net Interest Income / Total Funds (%) 2.34 2.06 3.16 3.16 2.69 2.74 3.31Non Interest Income / Total Funds (%) 2.06 2.16 2.24 1.74 2.54 2.22 2.29Operating Expenses / Total Funds (%) 2.31 2.28 2.08 1.96 1.85 1.65 1.55Profit before Provisions / Total Funds (%) 2.08 1.94 3.32 2.93 3.38 3.31 4.05Net Profit / Total funds (%) 1.12 0.96 1.36 1.26 1.4 1.38 1.96RONW (%) 22.71 15.94 20.6 19.18 21.82 21.74 31.03YEAR 1998 1999 2000 2001 2002 2003 2004

200503 200603 200703 200803 200903 201003 201103 201203

59.91 68.99 71.54 70.71 69.59 67.48 69.35 73.1340.08 32.66 28.78 27.19 28.13 30.33 29.43 28.04

6.13 5.67 6.46 9.1 8.82 7.92 8.28 6.3861.87 57.17 58.13 66.48 69.84 70.92 65.53 70.5512.09 11.96 13.04 13.16 13.33 13.04 11.44 10.8820.91 20.22 20.8 16.02 15.04 15.08 15.73 14.7

8.69 8.56 8.43 9.38 9.69 9.19 9.32 10.35.38 4.9 4.9 6.23 6.77 6.52 6.11 7.273.31 3.67 3.53 3.14 2.92 2.67 3.21 3.03

1.2 1.16 1.26 1.42 1.49 1.38 1.2 1.262.07 1.97 2.02 1.73 1.68 1.59 1.66 1.72.44 2.86 2.78 2.83 2.73 2.46 2.76 2.591.39 1.48 1.51 1.6 1.47 1.47 1.64 1.7

20.89 21.4 22.03 21.82 19.89 20.55 23.47 24.912005 2006 2007 2008 2009 2010 2011 2012

FINANCE - CASH FLOW - City Union Bank (Curr: Rs in Cr.)COMPANY/FINANCE/CASH FLOW/7015/City Union Bank

199803 199903 200003 200103 200203 Cash Flow Summary Cash and Cash Equivalents at Beginning of the year 168.62 203.9 215.35 186.73 228.29 Net Cash from Operating Activities 30.98 -5.2 -24.82 51.22 -24.41 Net Cash Used in Investing Activities -4.81 -4.91 -1.64 -2.6 -2.19 Net Cash Used in Financing Activities 9.11 18.43 -4.85 -7.06 -6.6 Net Inc/(Dec) in Cash and Cash Equivalent 35.28 8.32 -31.31 41.56 -33.2 Cash and Cash Equivalents at End of the year 203.9 212.22 184.04 228.29 195.09 Year 1998 1999 2000 2001 2002

200303 200403 200503 200603 200703 200803 200903 201003 201103 201203

195.09 177.68 239.48 226.84 266.38 483.88 816.93 885.09 1100.2 1286.32-5.43 82.43 13.92 59.14 222.49 240.04 92.03 230.69 236.72 -71.38-2.55 -9.93 -10.36 -8.85 -13.71 -19.04 -13.73 -34.81 -22.09 -42.61-9.43 -10.7 -16.2 -10.75 8.72 112.05 -10.15 19.23 -28.51 -36.22

-17.41 61.8 -12.64 39.54 217.5 333.05 68.15 215.11 186.12 -150.21177.68 239.48 226.84 266.38 483.88 816.93 885.08 1100.2 1286.32 1136.11

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - FUNDS FLOW - Actual - City Union Bank (Curr: Rs in Cr.)COMPANY/FINANCE/FUNDS FLOW/7015/City Union Bank

199803 199903 200003 200103 200203 200303 200403Sources of funds

Cash Profit 13.93 14.98 20.03 23.38 31.08 36.32 59.59 Increase in Equity 12.6 6 0 0 0 0 0 Other Increases in other Networth 2.82 14.51 0 0 4.97 0 0 Increase in Deposits 233.95 205.14 113.52 271.14 362.09 343.66 529.28 Increase in Borrowing 0 14.84 0.18 0 0 0.69 18.47 Increase in other Liabilities and Provisions 0 20.5 0.62 13.34 29.5 25.24 0 Decrease in cash and bank balances 0 0 12.02 0 17.55 0 0 Decrease in money at call 0 0 16.16 0 15.65 27.3 0 Decrease In advances 0 0 0 0 0 0 0 Decrease in investments 0 0 0 0 0 0 0 Decrease in Fixed assets 0 0 0.95 0 0 0 0 Other assets 0 0 2.44 0 0 0 14.7Total Inflow 263.3 275.97 165.92 307.86 460.84 433.21 622.04


Cash Loss 0 0 0 0 0 0 0 Decrease in networth 0 0 1.32 0.62 0 1.22 2.16 Decrease in deposits 0 0 0 0 0 0 0 Decrease in borrowings 9.17 0 0 9.81 16.75 0 0 Decrease in other liabilities and provisions 8.86 0 0 0 0 0 16.62 Increase in cash and bank balances 31.08 2.99 0 27.19 0 9.89 49.38 Increase in money at call 5.29 9.35 0 17.06 0 0 12.41 Increase in advances 99.11 90.92 102.95 113.98 127.68 201 334.93 Increase in investments 97.42 147.76 55.65 112.4 267.87 188 179.8 Increase in fixed assets 4.82 4.92 0 2.59 2.21 2.56 9.94 Increase in other assets 5.2 15.6 0 18.21 36.73 20.94 0 Dividend 2.35 4.43 6 6 9.6 9.6 16.8Total Outflow 263.3 275.97 165.92 307.86 460.84 433.21 622.04Year 1998 1999 2000 2001 2002 2003 2004

200503 200603 200703 200803 200903 201003 201103 201203

49.39 60.62 82.37 116.53 138.06 166.35 232.08 293.80 0 1.2 6.8 0 7.96 0.54 0.32

1.15 0 16.63 108.62 0 34 0 0248.59 422.5 1181.59 1725.63 1781.66 2077.97 2629.7 3426.47

0 53 0 0 37.51 0 146.09 162.5525 110.73 30.09 76.43 0 65.83 75.31 0

41.95 0 0 0 100.55 0 0 237.570 13.1 0 45.87 0 58.09 0 00 0 0 0 0 0 0 0

176.76 44.76 0 0 0 0 0 00 0 0 0 0 0 0 00 0 13.93 0 0 0 0 0

542.84 704.71 1325.81 2079.88 2057.78 2410.2 3083.72 4120.71

0 0 0 0 0 0 0 00 1.34 0 0 4.07 0 0.19 3.270 0 0 0 0 0 0 0

7.45 0 55.29 17.25 0 0.09 0 00 0 0 0 11.19 0 0 66.360 52.65 103.2 378.93 0 273.2 183.71 0

29.31 0 114.29 0 168.71 0 2.41 87.36465.98 536.57 779.7 1207.83 1108.19 1188.21 2422 2882

0 0 249.52 410.95 679.51 812.97 405.8 969.9610.38 8.91 13.73 19.07 13.76 35.33 22.52 42.7620.12 95.64 0 29.85 48.35 70.4 12.67 28.18

9.6 9.6 10.08 16 24 30 34.42 40.82542.84 704.71 1325.81 2079.88 2057.78 2410.2 3083.72 4120.71

2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - PROFIT AND LOSS - City Union Bank (Curr: Rs in Cr.)COMPANY/FINANCE/PROFIT AND LOSS/7015/City Union Bank


Total 142.37 177.49 208.99

II. Expenditure Interest expended 97.26 123.45 129.18 Payments to/Provisions for Employees 14.31 16.61 19.73 Operating Expenses & Administrative Expenses 4.19 5.31 5.14 Depreciation 2.48 2.73 2.53 Other Expenses, Provisions & Contingencies 8.45 17.14 18.55 Provision for Tax 4.23 0 13.8 Fringe Benefit tax 0 0 0 Deferred Tax 0 0 0

Total 130.92 165.24 188.93

III. Profit & Loss Reported Net Profit 11.45 12.25 20.06 Extraordinary Items 0.01 0.01 -0.01 Adjusted Net Profit 11.44 12.24 20.07 Prior Year Adjustments 0 0 0 Profit brought forward 0 0 0 IV. Appropriations Transfer to Statutory Reserve 8.87 7.33 12.74 Transfer to Other Reserves 0 0 0 Trans. to Government /Proposed Dividend 2.58 4.92 7.32 Balance carried forward to Balance Sheet 0 0 0

Equity Dividend % 25 20 25 Earnings Per Share-Unit Curr 6.23 4.9 7.81 Earnings Per Share(Adj)-Unit Curr 6.23 0.41 0.66 Book Value-Unit Curr 34.82 37.92 43.23 Book Value(Adj)-Unit Curr 34.82 3.18 3.63

200103 (12) 200203 (12) 200303 (12) 200403 (12) 200503 (12) 200603 (12) 200703 (12) 200803 (12)

184.57 212.14 233.51 276.18 290.66 326.39 400.05 595.9629.31 51.52 53.94 66.51 39.99 44.35 60 90.28

213.88 263.66 287.45 342.69 330.65 370.74 460.05 686.24

131.33 157.55 167.11 179.94 179.83 186.61 232.56 396.1820.51 23.13 23.91 24.96 30.94 36.33 44.37 49.05

6.33 6.94 8.08 10.85 13.07 19.19 25.37 32.832.08 2.65 2.94 2.54 3.07 4.25 10.56 14.8

18.73 30.99 32.27 47.41 50.42 54.87 48.26 57.7913.6 14 20.1 19.95 7 15.9 19.8 37.39

0 0 0 0 0 0.5 0.3 0.30 -0.03 -0.33 0 0 -3.28 7.02 -3.83

192.58 235.23 254.08 285.65 284.33 314.37 388.24 584.51

21.3 28.43 33.37 57.04 46.32 56.37 71.81 101.73-0.01 0.01 0.01 -0.01 0.02 0.05 0.02 0.0121.31 28.42 33.36 57.05 46.3 56.32 71.79 101.72

0 0 0 0 0 0 0 00 0 0.01 0.02 0.04 0.05 0.04 0.07

14.57 7.7 9.93 22.75 25.85 35 20 26.010.12 11.12 12.6 15.32 9.61 10.43 39.99 52.26.61 9.6 10.83 18.95 10.85 10.95 11.79 18.72

0 0.01 0.02 0.04 0.05 0.04 0.07 4.87

25 40 40 70 40 40 40 508.62 11.85 13.39 22.87 18.78 22.93 27.82 3.090.72 1 1.13 1.92 1.58 1.93 2.34 2.6

49.34 59.26 68.65 84.52 100.3 119.23 145.12 17.714.14 4.98 5.77 7.1 8.43 10.02 12.19 14.88

200903 (12) 201003 (12) 201103 (12) 201203 (12)

804.4 956.61 1218.41 1696.77123.68 143.5 157.4 207.14

928.08 1100.11 1375.81 1903.91

561.83 678.47 798.38 1197.0264.97 80.12 101.62 122.3140.63 51.51 71.85 103.5315.94 13.58 16.83 13.5566.43 81.17 105.08 133.2562.45 42.5 67 54

0.5 0 0 0-6.8 0 0 0

805.95 947.35 1160.76 1623.66

122.13 152.76 215.05 280.250.03 0.41 0.18 0.12

122.1 152.35 214.87 280.130 0 0 0

4.87 5.01 5.55 5.56

31.25 39 56 7162.67 78.24 118.9 160.7328.08 34.98 40.14 47.48

5 5.55 5.56 6.6

75 75 85 1003.69 3.7 5.17 6.7

3.1 3.7 5.17 6.720.65 20.66 24.85 30.4517.34 20.66 24.85 30.45

FINANCE - BALANCE SHEET - City Union Bank (Curr: Rs in Cr.)COMPANY/FINANCE/BALANCE SHEET/7015/City Union Bank

199803 199903 200003 200103 200203 200303 SOURCES OF FUNDS : Capital 18 24 24 24 24 24 Reserves Total 44.67 67 79.74 94.42 118.22 140.77 Equity Share Warrants 0 0 0 0 0 0 Equity Application Money 0 0 0 0 0 0 Deposits 1021.82 1226.96 1340.48 1611.62 1973.71 2317.37 Borrowings 22.01 36.85 37.03 27.22 10.47 11.16 Other Liabilities & Provisions 39.68 60.18 60.8 74.14 103.64 128.88 Others 0 0 0 0 0 0



TOTAL ASSETS 1146.18 1414.99 1542.05 1831.4 2230.04 2622.18


200403 200503 200603 200703 200803 200903 201003 201103 201203

24 24 24 25.2 32 32 39.96 40.5 40.82178.85 216.72 262.15 340.51 534.86 628.92 785.68 966.12 1202.28

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

2846.65 3095.24 3517.74 4699.33 6424.96 8206.62 10284.59 12914.29 16340.7629.63 22.18 75.18 19.89 2.64 40.15 40.06 186.15 348.7

112.26 137.26 247.99 278.08 354.51 343.32 409.15 484.46 418.10 0 0 0 0 0 0 0 0

3191.39 3495.4 4127.06 5363.01 7348.97 9251.01 11559.44 14591.52 18350.66

203.05 161.1 213.75 316.95 695.88 595.33 868.53 1052.24 814.6736.42 65.73 52.63 166.92 121.05 289.76 231.67 234.08 321.441279 1102.24 1057.48 1307 1717.95 2397.46 3210.43 3616.23 4586.19

1546.98 2012.96 2549.53 3329.23 4537.06 5645.25 6833.46 9255.46 12137.4624.06 31.37 36.03 39.2 43.47 41.3 63.04 68.53 97.74

101.88 122 217.64 203.71 233.56 281.91 352.31 364.98 393.160 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

3191.39 3495.4 4127.06 5363.01 7348.97 9251.01 11559.44 14591.52 18350.66

862.53 616.73 1334.16 1111.25 4159.12 4024.2 2428.56 4162.22 9701.6937.89 36.49 82.39 112.29 207.29 401.03 431.09 289.68 368.85

GENERAL - BACKGROUND - City Union BankCOMPANY/GENERAL/BACKGROUND/7015/City Union Bank

Registered AddressNo 149 T S R (Big) Street

Kumbakonam - 612001 - Tamil NaduTel. 91-435-2402322/2401622/2402412

Fax. [email protected]://www.cityunionbank.com

ProfileGroup : Indian PrivateSector : BanksIndustry : Banks - Private SectorChairman : S BalasubramanianAuditors : Jagannathan & SarabeswaranSecretary : V RameshInc. Year : 1904Inc. Date : 10/31/1904AGM Date : 31/08/2012Financial Year : MarBook Closure : Aug

ListingMumbai Chennai


Plot No 17-24, Vittal Rao Nagar, Madhapur, Hyderabad-500081Tel. 91-040-4465500, Fax. 91-040-23420814/2342

Head OfficeNo 149 T S R (Big) Street

Kumbakonam - 612001 - Tamil NaduTel. 91-435-2402322/2401622/2402412

Fax. [email protected]://www.cityunionbank.com

Profile Stock Data4-IP BSE Code : 532210

BSE Group : B6-00000034 NSE Symbol : CUB11151 ISIN Demat : INE491A010211341 Reuters : CTBK.BO

Bloomberg : CUBK IN Par Value(Rs) 0:59 Tot. Employees 2835:59:00 NIC Activity : Monetary intermediation of commercial banks, savin NIC Code : 65191 No. of Branches 245:59:00 No. of ATMs 230:59:00

ListingNSE

RATIOS - KEY FINANCIAL RATIOS - Federal BankCOMPANY/RATIOS/KEY FINANCIAL RATIOS/3709/Federal Bank

199803 199903 200003 200103 200203 200303 200403Key RatiosCredit-Deposit(%) 62.76 61.7 62.39 62.92 60.75 57.57 56.98Investment / Deposit (%) 34.66 37.62 39.77 40.35 41.08 41.93 41.24Cash / Deposit (%) 6.97 6.58 6.31 4.62 4.37 5.39 5.47Interest Expended / Interest Earned (%) 80.35 89.78 79.55 74.22 73.5 69.48 64.62Other Income / Total Income (%) 11.73 13.68 13.05 11.99 17.73 17.93 20.05Operating Expenses / Total Income (%) 17.4 15.21 17.47 16.77 15.43 17.02 19.04Interest Income / Total Funds (%) 10.99 11.17 11.25 11.19 10.98 9.93 8.72Interest Expended / Total Funds (%) 8.83 10.03 8.95 8.31 8.07 6.9 5.63Net Interest Income / Total Funds (%) 2.16 1.14 2.3 2.89 2.91 3.03 3.08Non Interest Income / Total Funds (%) 1.46 1.77 1.69 1.52 2.37 2.17 2.19Operating Expenses / Total Funds (%) 2.17 1.97 2.26 2.13 2.06 2.06 2.08Profit before Provisions / Total Funds (%) 1.45 0.94 1.73 2.28 3.22 3.14 3.19Net Profit / Total funds (%) 0.79 0.03 0.59 0.74 0.86 0.94 1RONW (%) 14.48 0.73 13.55 15.7 18.98 21.47 23.14YEAR 1998 1999 2000 2001 2002 2003 2004

200503 200603 200703 200803 200903 201003 201103 201203

57.63 62.17 67.49 71.17 71.06 72.29 74.49 75.8139.49 36.5 33.72 35.92 38.11 36.88 34.89 34.74

4.94 5.76 6.2 7.55 7.86 6.64 6.64 5.8357.83 58.25 60.23 65.49 60.32 61.59 56.9 64.86

15.7 13.96 14.38 13.56 13.46 12.63 11.31 8.7422.91 22.8 19.3 16.1 14.92 16.1 18.3 16.08

7.46 7.66 7.86 8.71 9.26 8.87 8.49 9.94.31 4.46 4.73 5.7 5.59 5.47 4.83 6.423.15 3.2 3.13 3.01 3.68 3.41 3.66 3.481.39 1.24 1.32 1.37 1.44 1.28 1.08 0.952.03 2.03 1.77 1.62 1.6 1.64 1.75 1.742.51 2.41 2.67 2.75 3.52 3.06 2.99 2.680.56 1.2 1.28 1.27 1.4 1.12 1.23 1.3813.2 22.99 21.38 13.59 12.15 10.32 12 14.38

2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - CASH FLOW - Federal Bank (Curr: Rs in Cr.)COMPANY/FINANCE/CASH FLOW/3709/Federal Bank

199803 199903 200003 200103 200203 Cash Flow Summary Cash and Cash Equivalents at Beginning of the year 630.75 651.55 720.35 509.06 477.42 Net Cash from Operating Activities 50.28 64.34 -195.51 523.57 121.48 Net Cash Used in Investing Activities -23.3 10.61 -13.4 -549.84 85.34 Net Cash Used in Financing Activities -6.18 -6.15 -2.38 -5.37 -5.46 Net Inc/(Dec) in Cash and Cash Equivalent 20.8 68.8 -211.29 -31.64 201.36 Cash and Cash Equivalents at End of the year 651.55 720.35 509.06 477.42 678.78 Year 1998 1999 2000 2001 2002

200303 200403 200503 200603 200703 200803 200903 201003 201103 201203

678.79 907.86 1291.6 1555.89 1899.97 2313.14 2745.49 3437.1 2723.39 3748.3449.62 430.13 313.14 8.88 467.76 -1525.86 918.11 -555.25 1268.5 227.1

-212.15 -38.28 -37.08 -11.74 -24.63 -137.47 -155.76 -58.73 -144.21 -273.87-8.4 -8.11 -11.77 319.46 -29.96 2095.68 -70.74 -99.73 -99.38 -168.98

229.07 383.74 264.29 316.6 413.17 432.35 691.61 -713.71 1024.91 -215.75907.86 1291.6 1555.89 1872.49 2313.14 2745.49 3437.1 2723.39 3748.3 3532.55

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - FUNDS FLOW - Actual - Federal Bank (Curr: Rs in Cr.)COMPANY/FINANCE/FUNDS FLOW/3709/Federal Bank

199803 199903 200003 200103 200203 200303Sources of funds

Cash Profit 76 25.25 60.8 54.23 102.53 122.93 Increase in Equity 0.06 0 0 0.01 0 0 Other Increases in other Networth 11.11 0 0 0 0 0 Increase in Deposits 1821.03 357.66 0 1202.06 1199.87 2082.11 Increase in Borrowing 0 256.78 0 0 30.49 0 Increase in other Liabilities and Provisions 39.56 200.74 0 0 77.45 190.93 Decrease in cash and bank balances 0 0 55.48 128 0 0 Decrease in money at call 57.13 0 155.82 0 0 0 Decrease In advances 0 0 192.06 0 0 0 Decrease in investments 0 0 0 0 0 0 Decrease in Fixed assets 0 0 0 18.62 0 0 Other assets 14.3 0 122.96 0 0 18.36Total Inflow 2019.19 840.43 587.12 1402.92 1410.34 2414.33


Cash Loss 0 0 0 0 0 0 Decrease in networth 0 51.84 1.59 1.03 41.1 15.65 Decrease in deposits 0 0 318.7 0 0 0 Decrease in borrowings 55.11 0 108.71 36 0 289.43 Decrease in other liabilities and provisions 0 0 83.86 2.05 0 0 Increase in cash and bank balances 77.93 22.66 0 0 197.14 149.48 Increase in money at call 0 46.15 0 96.37 4.23 79.59 Increase in advances 921.76 306.6 0 818.42 334.98 1028.41 Increase in investments 909.78 235.77 64.29 369.49 720.33 795.85 Increase in fixed assets 47.01 21.95 4.54 0 20.25 47.24 Increase in other assets 0 153.29 0 73.04 84.71 0 Dividend 7.6 2.17 5.43 6.52 7.6 8.68Total Outflow 2019.19 840.43 587.12 1402.92 1410.34 2414.33Year 1998 1999 2000 2001 2002 2003

200403 200503 200603 200703 200803 200903 201003 201103 201203

159.77 115.08 201.2 312.43 393.35 534.2 498.42 633.99 825.570.04 43.84 20 0 85.43 0 0 0.02 0

0 0 311.69 0 2038.69 0 0 0 02529.26 1716.2 2685.86 3705.7 4328.92 6284.83 3859.76 6956.83 5922.34

42.04 59.18 424.59 159.72 21.74 426.99 327.82 341.6 2352.67209.7 0 234.08 360.88 663.69 0 293.56 160.13 55.01

0 36.62 0 0 0 141.31 0 0 510.90 0 208.71 0 691.81 0 818.19 0 00 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 00 0 35.58 0 0 0 0 0 00 0 0 0 40.47 0 0 0 0

2940.81 1970.92 4121.71 4538.73 8264.1 7387.33 5797.75 8092.57 9666.49

0 0 0 0 0 0 0 0 01.75 50.36 0 5.82 0 14.53 14.21 23.27 24.97

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 00 154.76 0 0 0 743.89 0 0 0

116.85 0 525.31 16.96 1124.16 0 104.49 616.17 0266.89 300.91 0 423.69 0 832.91 0 408.74 295.15

1483.01 1122.06 2913.87 3162.64 4005.56 3487.21 4558.24 5003.12 5802.75969.35 278.13 473.22 760.28 2993.93 2092.38 935.68 1483.02 2864.82

36.99 27.32 0 31.93 72.04 81.65 42.86 46.96 85.0950.74 20.93 179.35 103.17 0 49.24 56.75 365.9 439.7715.23 16.45 29.96 34.24 68.41 85.52 85.52 145.39 153.94

2940.81 1970.92 4121.71 4538.73 8264.1 7387.33 5797.75 8092.57 9666.492004 2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - PROFIT AND LOSS - Federal Bank (Curr: Rs in Cr.)COMPANY/FINANCE/PROFIT AND LOSS/3709/Federal Bank


Total 794.79 995.64 1014.17

II. Expenditure Interest expended 563.72 771.57 701.45 Payments to/Provisions for Employees 78.9 92.64 118.12 Operating Expenses & Administrative Expenses 20.82 22.61 22.97 Depreciation 18.76 19.59 17.5 Other Expenses, Provisions & Contingencies 62.31 86.69 99.74 Provision for Tax 0 0.01 8 Fringe Benefit tax 0 0 0 Deferred Tax 0 0 0

Total 744.51 993.11 967.78

III. Profit & Loss Reported Net Profit 50.28 2.53 46.39 Extraordinary Items -0.67 0.09 -0.07 Adjusted Net Profit 50.95 2.44 46.46 Prior Year Adjustments 0.01 0 0 Profit brought forward 0.63 1.38 0.08 IV. Appropriations Transfer to Statutory Reserve 25 7.75 15 Transfer to Other Reserves 16.18 -6.33 0 Trans. to Government /Proposed Dividend 8.36 2.41 6.62 Balance carried forward to Balance Sheet 1.38 0.08 24.85


200103 (12) 200203 (12) 200303 (12) 200403 (12) 200503 (12) 200603 (12) 200703 (12) 200803 (12)

919.17 1042.4 1111.46 1192.06 1191.03 1436.53 1801.46 2515.44125.2 224.67 242.88 298.93 221.74 233.1 302.58 394.74

1044.37 1267.07 1354.34 1490.99 1412.77 1669.63 2104.04 2910.18

682.19 766.15 772.28 770.29 688.75 836.73 1084.96 1647.42110.9 120.96 139.43 178.25 185.78 228.36 260.45 271.2327.37 32.36 42.12 52.85 69.71 77.81 86.12 113.0518.04 18.34 19.26 24.1 27.44 25.74 23.97 28.95

122.17 202.92 204.95 254.19 325.03 220.22 250.31 349.3822.66 44.33 71.29 75 7.27 18.87 94.88 139.15

0 0 0 0 0 4.5 9 60 0 0 0 18.7 32.19 1.62 -13.05

983.33 1185.06 1249.33 1354.68 1322.68 1444.42 1811.31 2542.13

61.04 82.01 105.01 136.31 90.09 225.21 292.73 368.05-0.07 0.07 0.14 0.04 0.06 1.96 0.55 -0.0161.11 81.94 104.87 136.27 90.03 223.25 292.18 368.06

0 -30.22 0 0 0 0 0 024.85 58.41 2.43 2.31 0.49 2.3 13.47 14.46

18.4 25 31.52 34.08 22.53 56.31 73.19 92.021.9 75.17 63.82 86.87 47 123.57 178.49 195.83

7.18 7.6 9.79 17.18 18.75 34.16 40.06 80.0458.41 2.43 2.31 0.49 2.3 13.47 14.46 14.62

30 35 40 70 25 35 40 4027.8 37.76 47.84 61.75 13.38 25.82 33.52 20.847.08 9.61 12.17 15.71 10.21 19.71 25.59 20.84

191.29 206.63 243.77 298.18 109.14 145.2 174.72 229.1648.68 52.58 62.02 75.88 83.32 110.85 133.39 229.16

200903 (12) 201003 (12) 201103 (12) 201203 (12)

3315.38 3673.24 4052.03 5558.39515.77 530.91 516.81 532.34

3831.15 4204.15 4568.84 6090.73

1999.92 2262.4 2305.45 3604.99317.45 366.05 480.41 543.85141.43 169.58 199.8 238.41

42.84 50.19 54.26 56.66536.5 496.38 627.11 477.31

322.56 361.5 316.26 305.96.1 0 0 0

-36.14 33.5 -1.53 86.81

3330.66 3739.6 3981.76 5313.93

500.49 464.55 587.08 776.80.34 0.21 0.21 0.22

500.15 464.34 586.87 776.580 0 0 0

14.62 21.93 23.14 25.78

125.12 116.14 146.8 194.2268 247.47 268.66 132.79

100.06 99.73 168.98 178.9121.93 23.14 25.78 296.68

50 50 85 9028.41 26.33 32.94 43.9528.41 26.33 32.94 43.95

252.57 273.9 298.34 333.29252.57 273.9 298.34 333.29

FINANCE - BALANCE SHEET - Federal Bank (Curr: Rs in Cr.)COMPANY/FINANCE/BALANCE SHEET/3709/Federal Bank

199803 199903 200003 200103 200203 SOURCES OF FUNDS : Capital 21.71 21.71 21.71 21.72 21.72 Reserves Total 352.38 300.9 340.27 393.76 427.07 Equity Share Warrants 0 0 0 0 0 Equity Application Money 0 0 0 0 0 Deposits 6424.42 6782.08 6463.38 7665.44 8865.31 Borrowings 231.55 488.33 379.62 343.62 374.11 Other Liabilities & Provisions 280.68 481.42 397.56 395.51 472.96 Others 0 0 0 0 0

TOTAL LIABILITIES 7310.74 8074.44 7602.54 8820.05 10161.17

APPLICATION OF FUNDS : Cash & Balances with RBI 423.24 445.9 390.42 262.42 459.56 Balances with Banks & money at Call 228.3 274.45 118.63 215 219.23 Investments 2365.95 2601.72 2666.01 3035.5 3755.83 Advances 3921.17 4227.77 4035.71 4854.13 5189.11 Fixed Assets 155.59 154.82 144.95 133.14 132.87 Other Assets 216.49 369.78 246.82 319.86 404.57 Miscellaneous Expenditure not written off 0 0 0 0 0 Others 0 0 0 0 0

TOTAL ASSETS 7310.74 8074.44 7602.54 8820.05 10161.17

Contingent Liability 2883.12 1363.53 1587.62 3511.95 3331.88 Bills for collection 281.58 280.02 331.46 311.35 334.84

200303 200403 200503 200603 200703 200803 200903 201003 201103

21.72 21.76 65.6 85.6 85.6 171.03 171.03 171.03 171.05507.75 627.08 657.75 1164.38 1416.6 3754.66 4154.84 4519.42 4937.61

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

10947.42 13476.68 15192.88 17878.74 21584.44 25913.36 32198.19 36057.95 43014.7884.68 126.72 185.9 610.49 770.21 791.95 1218.94 1546.76 1888.36

663.89 873.59 718.83 952.91 1313.79 1977.48 1233.59 1527.15 1687.280 0 0 0 0 0 0 0 0

12225.46 15125.83 16820.96 20692.12 25170.64 32608.48 38976.59 43822.31 51699.08

609.04 725.89 689.27 1214.58 1231.54 2355.7 2214.39 2318.88 2935.05298.82 565.71 866.62 657.91 1081.6 389.79 1222.7 404.51 813.25

4551.68 5521.03 5799.16 6272.38 7032.66 10026.59 12118.97 13054.65 14537.676217.52 7700.53 8822.59 11736.46 14899.1 18904.66 22391.87 26950.11 31953.23

162.19 175.72 185.44 173.87 186.1 232.84 280.78 289.77 289.82386.21 436.95 457.88 636.92 739.64 698.9 747.88 804.39 1170.06

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

12225.46 15125.83 16820.96 20692.12 25170.64 32608.48 38976.59 43822.31 51699.08

4782.34 8519.53 12204.53 16543.57 12960.69 13315.92 7588.28 9736.38 22112.75351.17 372.52 321.39 436.12 524.74 816.57 788.82 849.34 912.52

201203

171.055535.28

00

48937.124241.031742.29

0

60626.77

2424.151108.4

17402.4937755.98

326.141609.61

00

60626.77

35849.411189.31

GENERAL - BACKGROUND - Federal BankCOMPANY/GENERAL/BACKGROUND/3709/Federal Bank

Registered AddressP B No 103 Federal Towers

Aluva - 683101 - KeralaTel. 91-484-2622263/2623620-29

Fax. 91-484-2622672/[email protected]://www.federalbank.co.in

ProfileGroup : Indian Private 4-IPSector : BanksIndustry : Banks - Private Sector 6-00000034Chairman : P C Cyriac 12665Auditors : Varma & Varma 288Secretary :Inc. Year : 1931Inc. Date : 4/28/1931AGM Date : 02/08/2012Financial Year : MarBook Closure : Jul/Aug

ListingMumbai Kochi NSE

Registrar & Transfer AgentsIntegrated Enterprises (I) Ltd

Kences Tower, 2nd Floor No 1, Ramakrishna Street, Chennai - 600 017

Tel. 91-044-28140801/803, Fax. 91-044-28142479

Head Office

Stock Data BSE Code : 500469 BSE Group : A NSE Symbol : FEDERALBNK ISIN Demat : INE171A01011 Reuters : FED.BO Bloomberg : FB IN Par Value(Rs) 9:59 Tot. Employees 8269:59:00 NIC Activity : Monetary intermediation of commercial banks, savin NIC Code : 65191 No. of Branches 742:59:00 No. of ATMs 804:59:00

ListingLondon

RATIOS - KEY FINANCIAL RATIOS - IndusInd BankCOMPANY/RATIOS/KEY FINANCIAL RATIOS/5531/IndusInd Bank

199803 199903 200003 200103 200203 200303 200403Key RatiosCredit-Deposit(%) 59.44 55.03 54.82 58.13 63.39 64.25 63.89Investment / Deposit (%) 37.34 40.8 41.76 37.56 31.5 29.53 35.45Cash / Deposit (%) 7.8 7.59 6.44 5.5 5.74 6.38 9.64Interest Expended / Interest Earned (%) 77.86 80.67 78.62 78.15 77.07 75.17 67.86Other Income / Total Income (%) 21.94 12.48 18.55 14.01 20.61 25.77 26.44Operating Expenses / Total Income (%) 10.73 12.87 11.57 12.16 10.59 11.79 16.68Interest Income / Total Funds (%) 12.83 10.61 9 8.75 7.53 7.43 7.95Interest Expended / Total Funds (%) 9.99 8.55 7.08 6.84 5.8 5.58 5.39Net Interest Income / Total Funds (%) 2.84 2.05 1.92 1.91 1.73 1.84 2.55Non Interest Income / Total Funds (%) 3.61 1.51 2.05 1.43 1.96 2.58 2.86Operating Expenses / Total Funds (%) 1.76 1.56 1.28 1.24 1 1.18 1.8Profit before Provisions / Total Funds (%) 4.68 2 2.69 2.1 2.68 3.24 3.61Net Profit / Total funds (%) 2.12 0.66 0.79 0.49 0.54 0.9 2.11RONW (%) 23.01 7.06 10.55 7.52 9.17 16.95 41.15YEAR 1998 1999 2000 2001 2002 2003 2004

200503 200603 200703 200803 200903 201003 201103 201203

67.04 65.11 62.46 65.1 69.42 74.4 76.49 79.835.17 33.71 34.61 34.13 35.76 37.86 39.22 36.65

8.11 4.41 4.98 6.94 6.6 6.74 7.46 6.9963.37 73.48 81.91 84.01 80.12 67.25 61.65 68.218.48 16.24 17.39 13.69 17.5 16.98 16.59 15.88

19.5 25.25 22.67 18.49 20.63 22.57 23.44 21.087.41 7.15 7.77 8.54 9.15 8.65 8.9 10.414.69 5.25 6.37 7.17 7.33 5.82 5.49 7.12.71 1.9 1.41 1.37 1.82 2.83 3.41 3.311.68 1.39 1.64 1.35 1.94 1.77 1.77 1.971.77 2.16 2.13 1.83 2.29 2.35 2.5 2.612.62 1.13 1 0.89 1.55 2.25 2.68 2.671.37 0.22 0.35 0.34 0.59 1.12 1.43 1.56

26.96 4.34 8.92 6.93 13.29 19.49 19.27 19.232005 2006 2007 2008 2009 2010 2011 2012

FINANCE - CASH FLOW - IndusInd Bank (Curr: Rs in Cr.)COMPANY/FINANCE/CASH FLOW/5531/IndusInd Bank

199803 199903 200003 200103 200203 Cash Flow Summary Cash and Cash Equivalents at Beginning of the year 376.55 587.16 942.04 1093.65 1348.79 Net Cash from Operating Activities 126.74 395.78 132 240.18 178.32 Net Cash Used in Investing Activities -43.6 -17.33 -8.86 -14.17 -11.22 Net Cash Used in Financing Activities 127.47 -23.58 28.47 29.13 -22.92 Net Inc/(Dec) in Cash and Cash Equivalent 210.61 354.87 151.61 255.14 144.18 Cash and Cash Equivalents at End of the year 587.16 942.03 1093.65 1348.79 1492.97 Year 1998 1999 2000 2001 2002

200303 200403 200503 200603 200703 200803 200903 201003 201103 201203

1492.97 1150.72 2170.99 1154.59 1480.5 2595.4 2178.03 1923.69 2603.18 4024.6-375.62 947.51 -1045.13 261.45 884.01 -327.11 -389.85 85.56 609.1 1848.36

-31.06 -65.7 -67.81 -43.55 -64.68 -41.23 -48.99 -74.57 -21.32 -140.7264.43 138.46 96.54 108.01 295.57 -49.03 184.5 668.5 833.64 -192.62

-342.25 1020.27 -1016.4 325.91 1114.9 -417.37 -254.34 679.49 1421.42 1515.021150.72 2170.99 1154.59 1480.5 2595.4 2178.03 1923.69 2603.18 4024.6 5539.62

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - FUNDS FLOW - Actual - IndusInd Bank (Curr: Rs in Cr.)COMPANY/FINANCE/FUNDS FLOW/5531/IndusInd Bank

199803 199903 200003 200103 200203 200303Sources of funds

Cash Profit 107.8 56.1 76.57 60.02 71.08 124.47 Increase in Equity 37.86 1.05 0.1 0.02 0 0 Other Increases in other Networth 129.95 0 0 0 0 20.75 Increase in Deposits 1180.23 745.08 1527.55 641.16 1212.99 197.75 Increase in Borrowing 0 342.8 145.99 0 457.53 0 Increase in other Liabilities and Provisions 56.45 37.69 151.57 142.94 0 91.29 Decrease in cash and bank balances 0 0 5.65 0 0 0 Decrease in money at call 0 0 0 0 0 407.15 Decrease In advances 0 0 0 0 0 226.35 Decrease in investments 0 0 0 309 0 0 Decrease in Fixed assets 0 0 0 0 0 0 Other assets 0 0 0 0 0 0Total Inflow 1512.29 1182.72 1907.43 1153.14 1741.6 1067.76


Cash Loss 0 0 0 0 0 0 Decrease in networth 0 0.89 32.54 8.6 10.87 39.76 Decrease in deposits 0 0 0 0 0 0 Decrease in borrowings 5.81 0 0 139.29 0 632.86 Decrease in other liabilities and provisions 0 0 0 0 136.32 0 Increase in cash and bank balances 85.68 45.18 0 15.66 124.56 64.9 Increase in money at call 124.94 309.69 157.26 239.48 19.62 0 Increase in advances 523.17 211.44 1014.78 629.43 1267.72 0 Increase in investments 641.69 398.83 638.58 0 60.24 50.18 Increase in fixed assets 43.55 17.16 7.81 3.77 10.86 57.79 Increase in other assets 61.74 179.53 36.46 96.11 89.01 191.44 Dividend 25.71 20 20 20.8 22.4 30.83Total Outflow 1512.29 1182.72 1907.43 1153.14 1741.6 1067.76Year 1998 1999 2000 2001 2002 2003

200403 200503 200603 200703 200803 200903 201003 201103 201203

340.31 229.42 70.04 101.11 115.17 191.34 379.92 549.51 872.11100.67 70.57 0 29.49 0 35.19 55.46 55.32 1.73

0 0 0.01 112.21 0 180.04 404.95 1119.85 02602.39 1914.02 1892.02 2638.5 1392.62 3072.83 4599.92 7655.2 7996.182073.56 0 0 57.56 502.92 1721.53 2117.33 591.13 3156.59

311.29 292.45 147.34 462.5 159.05 0 365.28 361.2 137.650 698.56 32 0 0 335.47 0 0 00 317.83 0 0 922.46 0 228.91 0 00 0 0 0 0 0 0 0 00 413.59 0 0 0 0 0 0 00 0 0 0 0 0 0 76.19 00 0 0 51.07 0 0 0 0 0

5428.22 3936.44 2141.41 3452.44 3092.22 5536.4 8151.77 10408.4 12164.26

0 0 0 0 0 0 0 0 090.61 199.64 0 0 2.75 0 0 0 3.95

0 0 0 0 0 0 0 0 00 1699.73 75.67 0 0 0 0 0 00 0 0 0 0 813.68 0 0 0

759.88 0 0 417.08 505.09 0 908.39 356.86 447.54260.39 0 357.9 697.82 0 81.14 0 1064.56 1067.481953.3 1698.6 310.71 1773.74 1711.11 2975.32 4779.96 5615.06 8898.3

1947.69 0 1340.74 481.74 738.05 1453.71 2318.43 3148.97 1021.14266.54 45.38 48.32 62.87 55.88 41.04 51.25 0 129.84

75.85 240.83 8.07 0 60.15 126.8 19.86 129.72 493.1273.96 52.26 0 19.19 19.19 44.71 73.88 93.23 102.89

5428.22 3936.44 2141.41 3452.44 3092.22 5536.4 8151.77 10408.4 12164.262004 2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - PROFIT AND LOSS - IndusInd Bank (Curr: Rs in Cr.)COMPANY/FINANCE/PROFIT AND LOSS/5531/IndusInd Bank


Total 705.91 678.21 782.56


Total 614.79 641.41 726.47

III. Profit & Loss Reported Net Profit 91.12 36.8 56.09 Extraordinary Items -0.03 -0.08 -0.31 Adjusted Net Profit 91.15 36.88 56.4 Prior Year Adjustments 0.01 -2.55 -29.22 Profit brought forward 0.26 1.11 29.55 IV. Appropriations Transfer to Statutory Reserve 30 9.2 14.02 Transfer to Other Reserves 32 -25.39 -2.14 Trans. to Government /Proposed Dividend 28.28 22 22 Balance carried forward to Balance Sheet 1.11 29.55 22.54

Equity Dividend % 20 12.5 12.5 Earnings Per Share-Unit Curr 5.61 2.19 3.4 Earnings Per Share(Adj)-Unit Curr 5.61 2.19 3.4 Book Value-Unit Curr 32.48 33.33 33.54 Book Value(Adj)-Unit Curr 32.48 33.33 33.54

200103 (12) 200203 (12) 200303 (12) 200403 (12) 200503 (12) 200603 (12) 200703 (12) 200803 (12)

728.72 710.06 742.95 986.15 1134.39 1188.28 1500.25 1880.66118.77 184.37 257.87 354.37 257.08 230.44 315.73 298.24

847.49 894.43 1000.82 1340.52 1391.47 1418.72 1815.98 2178.9

569.46 547.23 558.48 669.25 718.89 873.19 1228.85 1579.8614.22 20.29 28.27 50.37 60.16 84.79 96.29 121.938.87 39.88 45.18 79.08 95.6 149.35 157.77 182.44

27.9 20.68 25.25 36.72 44.87 35.99 34.09 40.16141.45 188.3 253.88 234.43 211.42 216.22 191.6 140.56

15.05 27.3 -0.41 8.61 50.38 22.37 39.16 36.830 0 0 0 0 0 0 2.10 0 0 0 0 0 0 0

806.95 843.68 910.65 1078.46 1181.32 1381.91 1747.76 2103.85

40.54 50.75 90.17 262.06 210.15 36.81 68.22 75.050.26 0 -0.12 -6.24 -5.11 -2.7 -17.57 -0.45

40.28 50.75 90.29 268.3 215.26 39.51 85.79 75.5-6.52 0 0 0 -4.63 0 -1 022.54 21.45 0 5.4 53.75 80.81 185.89 211.39

10.13 12.69 22.54 65.52 52.54 9.2 17.05 18.762.06 23.78 27.45 64.75 66.83 -77.47 2.22 2.24

22.92 22.4 34.78 83.44 59.09 0 22.45 22.4521.45 13.33 5.4 53.75 80.81 185.89 211.39 242.99

13 14 14 22.5 18 0 6 62.42 3.19 7.23 11.1 7 1.27 2.03 2.242.42 3.19 7.23 11.1 7 1.27 2.03 2.24

34.24 35.33 42.11 33.19 28.54 29.81 33.02 34.6834.24 35.33 42.11 33.19 28.54 29.81 33.02 34.68

200903 (12) 201003 (12) 201103 (12) 201203 (12)

2309.47 2706.99 3589.36 5359.19489.97 553.48 713.66 1011.78

2799.44 3260.47 4303.02 6370.97

1850.44 1820.58 2212.86 3654.95187.14 290.56 382.65 485.47239.51 279.33 349.73 453.1

44.17 45.29 60.55 74.96251.04 292.06 417.84 510.19

76.2 182.34 326.56 403.382.6 0 0 0

0 0 -24.5 -13.69

2651.1 2910.16 3725.69 5568.36

148.34 350.31 577.33 802.61-20.35 -22.36 -1.8 0.39168.69 372.67 579.13 802.22

0 0 0 0242.99 247 391.51 714.36

37.09 87.58 144.33 200.6554.93 32.07 1.79 9.1552.31 86.15 108.36 119.58

247 391.51 714.36 1187.59

12 18 20 223.96 8.23 12.07 16.83.96 8.23 12.07 16.8

40.23 52.68 81.91 96.4640.23 52.68 81.91 96.46

FINANCE - BALANCE SHEET - IndusInd Bank (Curr: Rs in Cr.)COMPANY/FINANCE/BALANCE SHEET/5531/IndusInd Bank

199803 199903 200003 200103 200203 SOURCES OF FUNDS : Capital 157.86 158.91 159.01 159.03 159.03 Reserves Total 354.82 370.73 374.28 385.42 402.9 Equity Share Warrants 0 0 0 0 0 Equity Application Money 0 0 0 0 0 Deposits 4273.34 5018.42 6545.97 7187.13 8400.12 Borrowings 62.62 405.42 551.41 412.12 869.65 Other Liabilities & Provisions 176.96 214.65 366.22 509.16 372.84 Others 0 0 0 0 0


APPLICATION OF FUNDS : Cash & Balances with RBI 330.12 375.3 369.65 385.31 509.87 Balances with Banks & money at Call 257.05 566.74 724 963.48 983.1 Investments 1696.24 2095.07 2733.65 2424.65 2484.89 Advances 2450.83 2662.27 3677.05 4306.48 5574.2 Fixed Assets 126.6 124.46 111.79 96.08 86.61 Other Assets 164.76 344.29 380.75 476.86 565.87 Miscellaneous Expenditure not written off 0 0 0 0 0 Others 0 0 0 0 0

TOTAL ASSETS 5025.6 6168.13 7996.89 8652.86 10204.54


200303 200403 200503 200603 200703 200803 200903 201003 201103

219.27 290.42 290.51 290.51 320 320 355.19 410.65 465.97382.99 510 538.73 575.55 736.79 1029.72 1309.2 1984.39 3576.27

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 2.19 7.98

8597.87 11200.26 13114.28 15006.3 17644.8 19037.42 22110.25 26710.17 34365.37236.79 2310.35 610.62 534.95 592.51 1095.43 2816.96 4934.29 5525.42464.13 775.42 1067.87 1215.21 1677.71 1836.76 1023.08 1388.36 1749.56

0 0 0 0 0 0 0 0 0

9901.05 15086.45 15622.01 17622.52 20971.81 23319.33 27614.68 35430.05 45690.57

574.77 1334.65 636.09 604.09 1021.17 1526.26 1190.79 2099.18 2456.04575.95 836.34 518.51 876.41 1574.23 651.77 732.91 504 1568.56

2535.07 4482.76 4069.17 5409.91 5891.65 6629.7 8083.41 10401.84 13550.815347.85 7301.15 8999.75 9310.46 11084.2 12795.31 15770.63 20550.59 26165.65

110.1 298.39 324.5 339.59 369.57 625.15 623.19 644.83 596.46757.31 833.16 1073.99 1082.06 1030.99 1091.14 1213.75 1229.61 1353.05

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

9901.05 15086.45 15622.01 17622.52 20971.81 23319.33 27614.68 35430.05 45690.57

3529.08 5283.59 10752.27 16836.47 20761.74 30981.93 44299.17 47200.02 82556.16783.23 1010.93 1620.38 1758.71 1461.36 1761.21 2937.74 4013.48 5052.48

201203

467.74263.06

010.95

42361.558682.011887.21

0

57672.48

2903.582636.04

14571.9535063.95

656.81840.16

00

57672.48

103190.296151

GENERAL - BACKGROUND - IndusInd BankCOMPANY/GENERAL/BACKGROUND/5531/IndusInd Bank

Registered Address2401 General Thimmayya Road

CantonmentPune - 411001 - Maharashtra

Tel. 91-20-26343227/28Fax. 91-20-26343241

[email protected]://www.indusind.com

ProfileGroup : Hinduja 4-HDSector : BanksIndustry : Banks - Private Sector 6-00000034Chairman : R Seshasayee 69Auditors : M P Chitale & Co 723Secretary : Haresh GajwaniInc. Year : 1994Inc. Date : 1/31/1994AGM Date : 17/07/2012Financial Year : MarBook Closure : Jul

ListingMumbai NSE Luxembourg

Registrar & Transfer AgentsLink Intime India Pvt Ltd

C-13 Pannalal Silk, Mills Cmpd LBS Marg, Bhandup West, Mumbai - 400 078

Tel. 91-022-25963838, Fax. 91-022-25946969

Head Office

Stock Data BSE Code : 532187 BSE Group : A NSE Symbol : INDUSINDBK ISIN Demat : INE095A01012 Reuters : INBK.BO Bloomberg : IIB IN Par Value(Rs) 9:59 Tot. Employees 7007:59:00 NIC Activity : Monetary intermediation of commercial banks, savin NIC Code : 65191 No. of Branches 299:59:00 No. of ATMs 593:59:00

RATIOS - KEY FINANCIAL RATIOS - Lak. Vilas BankCOMPANY/RATIOS/KEY FINANCIAL RATIOS/2720/Lak. Vilas Bank

199803 199903 200003 200103 200203 200303 200403Key RatiosCredit-Deposit(%) 53.55 55.39 57.94 62.02 64.05 63.44 62.68Investment / Deposit (%) 37.78 36.09 38.25 36.54 35.47 36.99 39.15Cash / Deposit (%) 11.43 12.37 11.02 9.42 7.61 6.19 6.54Interest Expended / Interest Earned (%) 73.1 76.77 73.06 73.49 77.25 74.82 70.82Other Income / Total Income (%) 21.65 17.65 21.73 22.72 24.66 25.78 25.78Operating Expenses / Total Income (%) 24.59 26.1 23.3 24.72 20.34 22.53 24.92Interest Income / Total Funds (%) 10.38 10.6 10.62 10.2 9.94 8.96 8.15Interest Expended / Total Funds (%) 7.59 8.14 7.76 7.5 7.68 6.71 5.77Net Interest Income / Total Funds (%) 2.79 2.46 2.86 2.7 2.26 2.26 2.38Non Interest Income / Total Funds (%) 2.87 2.27 2.95 3 3.26 3.11 2.83Operating Expenses / Total Funds (%) 3.26 3.36 3.16 3.26 2.68 2.72 2.73Profit before Provisions / Total Funds (%) 2.4 1.38 2.65 2.44 2.83 2.65 2.47Net Profit / Total funds (%) 1.45 0.84 1.26 1.09 1.11 1.13 1.17RONW (%) 25.02 15.08 23.64 20.22 19.67 19.16 19.61YEAR 1998 1999 2000 2001 2002 2003 2004

200503 200603 200703 200803 200903 201003 201103 201203

64.14 67.29 70.17 70.23 70.07 70.05 71.06 72.3737.09 31.42 27.67 28.23 27.4 29.49 32.15 31.33

7.2 5.86 5.2 6.31 7.53 8.17 8.38 6.9464.23 67.25 71.53 75.47 76.65 72.6 65.72 75.5714.57 17.21 13.38 14.8 14.3 10.22 11.4 9.4229.45 32.78 22.8 20.52 20.12 18.41 18.98 17.51

7.57 7.17 7.78 8.18 8.86 9.67 8.98 10.344.86 4.82 5.56 6.17 6.79 7.02 5.9 7.812.71 2.35 2.21 2.01 2.07 2.65 3.08 2.531.29 1.49 1.2 1.42 1.48 1.1 1.16 1.072.61 2.84 2.05 1.97 2.08 1.98 1.92 21.39 1 1.37 1.42 1.47 1.77 2.31 1.60.08 0.5 0.33 0.41 0.68 0.33 0.85 0.731.46 8.63 5.12 5.64 11.54 5.14 13.04 12.66

2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - CASH FLOW - Lak. Vilas Bank (Curr: Rs in Cr.)COMPANY/FINANCE/CASH FLOW/2720/Lak. Vilas Bank

199803 199903 200003 200103 200203 Cash Flow Summary Cash and Cash Equivalents at Beginning of the year 184.61 313.75 269.38 300.49 239.91 Net Cash from Operating Activities 137.78 -32.79 20 -51.33 -12.96 Net Cash Used in Investing Activities -4.88 -7.36 11.11 -4.23 -8.08 Net Cash Used in Financing Activities -3.76 -4.22 0 -5.02 15.77 Net Inc/(Dec) in Cash and Cash Equivalent 129.14 -44.37 31.11 -60.58 -5.27 Cash and Cash Equivalents at End of the year 313.75 269.38 300.49 239.91 234.64 Year 1998 1999 2000 2001 2002

200303 200403 200503 200603 200703 200803 200903 201003 201103 201203

234.64 232.98 280.13 354.24 463.4 641.46 614.9 881.41 833.79 1026.569.39 9.21 69.71 78.86 72.12 -35.23 300.52 -327.96 281.43 -360.37-5.8 -6.42 -8.85 -4.76 -10.08 -13.04 -26.83 -29.15 -52.85 -35.21

-5.25 44.36 13.25 35.06 116.02 21.71 -7.18 309.49 -35.81 215.76-1.66 47.15 74.11 109.16 178.06 -26.56 266.51 -47.62 192.77 -179.82

232.98 280.13 354.24 463.4 641.46 614.9 881.41 833.79 1026.56 846.742003 2004 2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - FUNDS FLOW - Actual - Lak. Vilas Bank (Curr: Rs in Cr.)COMPANY/FINANCE/FUNDS FLOW/2720/Lak. Vilas Bank

199803 199903 200003 200103 200203 200303 200403Sources of funds

Cash Profit 28.95 21.57 31.33 30.41 34.12 38.61 46.02 Increase in Equity 0.02 0 0 0 0 0 0 Other Increases in other Networth 0.62 0 0 0 0 0 0 Increase in Deposits 286.42 172.08 372.4 314.23 199.28 293.58 525.32 Increase in Borrowing 0 21.06 30.06 0 0 30.77 0 Increase in other Liabilities and Provisions 11.85 30.51 11.22 0 51.32 0 101.46 Decrease in cash and bank balances 0 0 0 0 44.1 0 0 Decrease in money at call 0 63.13 0 67.34 0 8.76 17.19 Decrease In advances 0 0 0 0 0 0 0 Decrease in investments 0 0 0 0 0 0 0 Decrease in Fixed assets 0 0 0 0 0 0 0 Other assets 0 0 12.59 0 0 0 0Total Inflow 327.86 308.35 457.6 411.98 328.82 371.72 689.99


Cash Loss 0 0 0 0 0 0 0 Decrease in networth 0 4.43 0.67 0.52 2.83 0.74 0.75 Decrease in deposits 0 0 0 0 0 0 0 Decrease in borrowings 6.64 0 0 30.85 35.3 0 33.89 Decrease in other liabilities and provisions 0 0 0 4.34 0 3.97 0 Increase in cash and bank balances 61.93 18.76 0.79 6.76 0 7.1 64.34 Increase in money at call 67.21 0 30.32 0 38.83 0 0 Increase in advances 149.53 151.52 240.62 330.18 85.02 198.45 275 Increase in investments 24.18 98.03 175.48 14.47 122.17 132.37 301.59 Increase in fixed assets 5.03 7.16 4.54 2.1 6.19 5.4 6.38 Increase in other assets 8.74 24.19 0 17.58 32.73 17.94 2.29 Dividend 4.6 4.26 5.18 5.18 5.75 5.75 5.75Total Outflow 327.86 308.35 457.6 411.98 328.82 371.72 689.99Year 1998 1999 2000 2001 2002 2003 2004

200503 200603 200703 200803 200903 201003 201103 201203

9.41 28.81 23.55 22.88 63.02 47.96 122.13 130.830 8.02 28.28 0.96 0.01 48.73 0.02 0

0.01 35.45 62.59 2.68 0 211.73 0 0200.11 840.45 683.49 598.62 1742.41 1714.48 2074.13 2964.63

38.71 0 74.45 0 89.81 191.33 391.18 00 28.45 44.42 117.37 0 0.21 183.5 56.930 58.68 0 0 0 0 0 133.580 0 0 125.6 0 206.49 0 46.240 0 0 0 0 0 0 0

157.31 0 0 0 0 0 0 00 0 0 0 0 0 0 00 0 0 0 60.77 0 0 0

405.55 999.86 916.78 868.11 1956.02 2420.93 2770.96 3332.21

0 0 0 0 0 0 0 00 0 0 0 2.07 0 4.07 5.440 0 0 0 0 0 0 00 63.64 0 26.96 0 0 0 145.11

9.64 0 0 0 101.68 0 0 028.39 0 86.2 99.03 206.62 158.87 192.77 045.73 167.83 91.87 0 59.89 0 0 0

279.01 635.11 659.88 246.09 1377.42 1041.29 1816.92 2094.260 99.01 29.43 384.38 169.38 1120.16 535.63 876.27

8.87 4.69 9.01 2.05 26.76 28.98 53.72 33.8933.91 24.7 36.98 102.28 0 65.78 143.47 143.1

0 4.88 3.41 7.32 12.2 5.85 24.38 34.14405.55 999.86 916.78 868.11 1956.02 2420.93 2770.96 3332.21

2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - PROFIT AND LOSS - Lak. Vilas Bank (Curr: Rs in Cr.)COMPANY/FINANCE/PROFIT AND LOSS/2720/Lak. Vilas Bank


Total 197.81 226.88 284.21

II. Expenditure Interest expended 113.29 143.43 162.53 Payments to/Provisions for Employees 26.24 32.33 38.52 Operating Expenses & Administrative Expenses 7.41 10.53 11.75 Depreciation 7.51 6.97 5.12 Other Expenses, Provisions & Contingencies 13.47 16.67 23.93 Provision for Tax 8.3 2.15 16 Fringe Benefit tax 0 0 0 Deferred Tax 0 0 0

Total 176.22 212.08 257.85

III. Profit & Loss Reported Net Profit 21.59 14.8 26.36 Extraordinary Items 0.01 -0.03 0.31 Adjusted Net Profit 21.58 14.83 26.05 Prior Year Adjustments 0.58 0.35 0.47 Profit brought forward 0.14 0.22 0.29 IV. Appropriations Transfer to Statutory Reserve 11.58 7.85 16.53 Transfer to Other Reserves 5.91 2.5 3.74 Trans. to Government /Proposed Dividend 4.6 4.73 6.32 Balance carried forward to Balance Sheet 0.22 0.29 0.53


200103 (12) 200203 (12) 200303 (12) 200403 (12) 200503 (12) 200603 (12) 200703 (12) 200803 (12)

251.1 271.5 270.98 285.95 298.2 322.06 418.26 506.0673.83 88.89 94.1 99.3 50.84 66.97 64.62 87.88

324.93 360.39 365.08 385.25 349.04 389.03 482.88 593.94

184.54 209.73 202.76 202.51 191.54 216.57 299.18 381.9338.19 39.99 43.01 50.52 47.17 59.7 56.2 63.0411.19 13.13 12.71 15.16 16.24 17.58 19.51 24.24

5.56 5.08 4.83 4.96 6.08 6.34 7.45 8.5853.96 49.24 49.61 57.45 116.71 70.47 88.41 67.84

4.75 13.14 18.42 15.29 -32.04 -4.1 -5.45 23.040 0 0 0 0 0 0 00 -0.14 -0.42 -1.69 0 0 0 0

298.19 330.17 330.92 344.2 345.7 366.56 465.3 568.67

26.74 30.22 34.16 41.05 3.34 22.47 17.58 25.27-0.03 -0.01 -0.01 -0.03 0.03 -0.07 0.41 2.3226.77 30.23 34.17 41.08 3.31 22.54 17.17 22.95

0 0 0 0 0 0 40.74 00.53 0.51 0.07 0.09 0.22 0.22 0.37 0.44

16.5 10 11.5 14 0.85 10 53.24 74.55 14.91 16.15 20.43 2.49 6.76 1.02 9.855.71 5.75 6.49 6.49 0 5.56 3.99 8.560.51 0.07 0.09 0.22 0.22 0.37 0.44 0.3

45 50 50 50 0 25 7 1522.77 26.26 29.04 35.02 2.9 11.16 3.56 4.9322.77 26.26 29.04 35.02 2.9 11.16 2.59 3.59

124.05 142.85 166.89 196.91 199.82 149.03 82.85 85.64124.05 142.85 166.89 196.91 199.82 149.03 60.3 62.33

200903 (12) 201003 (12) 201103 (12) 201203 (12)

657.61 909.32 1064.83 1519.26109.7 103.56 137.02 157.92

767.31 1012.88 1201.85 1677.18

504.07 660.19 699.84 1148.0378.45 92.47 116.3 141.2528.59 37.32 47.47 62.4512.72 17.3 20.22 23.5761.98 174.38 193.88 175.8625.11 0 15.5 30.53

0 0 0 06.09 0.55 7.5 -11.53

717.01 982.21 1100.71 1570.16

50.3 30.67 101.14 107.021.61 0.08 0.07 -0.04

48.69 30.59 101.07 107.060 0 0 0

0.3 0.29 0.16 0.25

15.25 10 26 2820.79 13.98 46.53 39.514.27 6.82 28.52 39.68

0.29 0.16 0.25 0.09

25 6 25 359.89 3.05 9.95 10.41

7.2 3.05 9.95 10.4193.01 75.79 83.23 90.1467.69 75.79 83.23 90.14

FINANCE - BALANCE SHEET - Lak. Vilas Bank (Curr: Rs in Cr.)COMPANY/FINANCE/BALANCE SHEET/2720/Lak. Vilas Bank

199803 199903 200003 200103 200203 200303 SOURCES OF FUNDS : Capital 11.51 11.51 11.51 11.51 11.51 11.51 Reserves Total 83.61 89.72 110.23 131.27 152.91 180.58 Equity Share Warrants 0 0 0 0 0 0 Equity Application Money 0 0 0 0 0 0 Deposits 1418.93 1591.01 1963.41 2277.64 2476.92 2770.5 Borrowings 48.38 69.44 99.5 68.65 33.35 64.12 Other Liabilities & Provisions 85.3 115.81 127.03 122.69 174.01 170.04 Others 0 0 0 0 0 0


APPLICATION OF FUNDS : Cash & Balances with RBI 176.75 195.51 196.3 203.06 158.96 166.06 Balances with Banks & money at Call 137 73.87 104.19 36.85 75.68 66.92 Investments 494.06 592.09 767.57 782.04 904.21 1036.58 Advances 757.91 909.43 1150.05 1480.23 1565.25 1763.7 Fixed Assets 28.27 28.66 28.23 26.66 28.95 29.9 Other Assets 53.74 77.93 65.34 82.92 115.65 133.59 Miscellaneous Expenditure not written off 0 0 0 0 0 0 Others 0 0 0 0 0 0

TOTAL ASSETS 1647.73 1877.49 2311.68 2611.76 2848.7 3196.75


200403 200503 200603 200703 200803 200903 201003 201103 201203

11.51 11.51 19.53 47.81 48.77 48.78 97.51 97.53 97.53215.13 218.48 271.52 348.28 368.91 404.94 641.49 794.91 860.84

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

3295.82 3495.93 4336.38 5019.87 5618.49 7360.9 9075.38 11149.51 14114.1430.23 68.94 5.3 79.75 52.79 142.6 333.93 725.11 580271.5 261.86 290.31 334.73 452.1 350.42 350.63 534.13 591.06

0 0 0 0 0 0 0 0 0

3824.19 4056.72 4923.04 5830.44 6541.06 8307.64 10498.94 13301.19 16243.57

230.4 258.79 200.11 286.31 385.34 591.96 750.83 943.6 810.0249.73 95.46 263.29 355.16 229.56 289.45 82.96 82.96 36.72

1338.17 1180.86 1279.87 1309.3 1693.68 1863.06 2983.22 3518.85 4395.122038.7 2317.71 2952.82 3612.7 3858.79 5236.21 6277.5 8094.42 10188.68

31.31 34.11 32.46 35.5 39.94 53.98 65.67 179.13 189.21135.88 169.79 194.49 231.47 333.75 272.98 338.76 482.23 623.82

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

3824.19 4056.72 4923.04 5830.44 6541.06 8307.64 10498.94 13301.19 16243.57

876.16 845.04 966.04 705.24 885.38 1682.19 2360.26 3838.81 3762.98165.94 132.83 178.85 133.8 150.56 231.95 190.9 267.81 331.7

GENERAL - BACKGROUND - Lak. Vilas BankCOMPANY/GENERAL/BACKGROUND/2720/Lak. Vilas Bank

Registered AddressSalem Main Road

KathaparaiKarur - 639006 - Tamil Nadu

Tel. 91-04324-220051-220060Fax. 91-04324-220068/220069

[email protected]/[email protected]://www.lvbank.com

ProfileGroup : Indian Private 4-IPSector : BanksIndustry : Banks - Private Sector 6-00000034Chairman :Auditors : Sagar & Associates 3938Secretary : N RamanathanInc. Year : 1926Inc. Date :AGM Date : 14/09/2011Financial Year : MarBook Closure : Sep

ListingMumbai NSE

Registrar & Transfer AgentsIntegrated Enterprises (I) Ltd

Kences Tower, 2nd Floor No 1, Ramakrishna Street, Chennai - 600 017

Tel. 91-044-28140801/803, Fax. 91-044-28142479

Head Office

Stock Data BSE Code : 590069 BSE Group : B NSE Symbol : LAKSHVILAS ISIN Demat : INE694C01018 Reuters : LVLS.BO Bloomberg : LVB IN Par Value(Rs) 9:59 Tot. Employees 2625:59:00 NIC Activity : Monetary intermediation of commercial banks, savin NIC Code : 65191 No. of Branches 273:59:00 No. of ATMs 273:59:00

RATIOS - KEY FINANCIAL RATIOS - Yes BankCOMPANY/RATIOS/KEY FINANCIAL RATIOS/25267/Yes Bank

200503 200603 200703 200803 200903 201003 201103Key RatiosCredit-Deposit(%) 114.77 88.66 78.13 73.14 74.16 80.52 77.75Investment / Deposit (%) 59.55 48.83 39.74 38 41.47 40.33 39.92Cash / Deposit (%) 6.24 3.62 4.29 6.28 7.6 7.62 6.97Interest Expended / Interest Earned (%) 39.53 54.32 70.84 74.66 74.55 66.75 69.15Other Income / Total Income (%) 37.78 34.11 25.46 21.66 18.65 19.54 13.36Operating Expenses / Total Income (%) 82.98 30.35 25.32 20.49 17.02 16.98 14.57Interest Income / Total Funds (%) 1.76 7.09 7.7 9.29 10.04 7.99 8.47Interest Expended / Total Funds (%) 0.7 3.85 5.45 6.94 7.48 5.34 5.86Net Interest Income / Total Funds (%) 1.07 3.24 2.24 2.35 2.55 2.66 2.61Non Interest Income / Total Funds (%) 1.07 3.67 2.63 2.57 2.3 1.94 1.31Operating Expenses / Total Funds (%) 2.35 3.27 2.61 2.43 2.1 1.69 1.43Profit before Provisions / Total Funds (%) -0.21 3.64 2.26 2.49 2.76 2.91 2.5Net Profit / Total funds (%) -0.22 2.03 1.24 1.42 1.52 1.61 1.52RONW (%) 0 14.08 13.88 19 20.65 20.27 21.13YEAR 2005 2006 2007 2008 2009 2010 2011

201203

76.0948.99

5.6974.3811.9613.02

9.517.072.441.291.412.321.47

23.072012

FINANCE - CASH FLOW - Yes Bank (Curr: Rs in Cr.)COMPANY/FINANCE/CASH FLOW/25267/Yes Bank

200412 200503 200603 200703 200803 Cash Flow Summary Cash and Cash Equivalents at Beginning of the year 0 0 53.03 215.58 1292.84 Net Cash from Operating Activities -129.54 -55.36 -165.97 625.88 -196.47 Net Cash Used in Investing Activities -77.37 -108.61 -70.09 -47.22 -49.54 Net Cash Used in Financing Activities 217 217 398.61 498.6 580.74 Net Inc/(Dec) in Cash and Cash Equivalent 10.09 53.03 162.55 1077.26 334.73 Cash and Cash Equivalents at End of the year 10.09 53.03 215.58 1292.84 1627.57 Year 2004 2005 2006 2007 2008

200903 201003 201103 201203

1627.57 1922.71 2673.25 3495.981264.97 960.13 3050.63 3588.49

-1689.76 -2006.16 -3423.72 -4863.45719.93 1796.57 1195.82 1364.52295.14 750.54 822.73 89.56

1922.71 2673.25 3495.98 3585.542009 2010 2011 2012

FINANCE - FUNDS FLOW - Actual - Yes Bank (Curr: Rs in Cr.)COMPANY/FINANCE/FUNDS FLOW/25267/Yes Bank

200503 200603 200703 200803 200903 201003Sources of funds

Cash Profit 0 60.88 104.94 218.37 332.26 505.9 Increase in Equity 200 70 10 15.79 1.19 42.69 Other Increases in other Networth 17 234.13 110 316.05 0.27 995.85 Increase in Deposits 663.03 2247.35 5310.01 5052.77 2896.26 10629.14 Increase in Borrowing 369.74 95.02 402.56 118.89 2715.47 1047.4 Increase in other Liabilities and Provisions 29.16 187.1 1013.9 174.77 0.54 339.85 Decrease in cash and bank balances 0 0 0 0 0 0 Decrease in money at call 0 0 0 234.75 23.34 0 Decrease In advances 0 0 0 0 0 0 Decrease in investments 0 0 0 0 0 0 Decrease in Fixed assets 0 0 0 0 0 0 Other assets 0 0 0 0 0 136.13Total Inflow 1278.93 2894.48 6951.41 6131.39 5969.33 13696.96


Cash Loss 2.51 0 0 0 0 0 Decrease in networth 0 0 0 0 0 0 Decrease in deposits 0 0 0 0 0 0 Decrease in borrowings 0 0 0 0 0 0 Decrease in other liabilities and provisions 0 0 0 0 0 0 Increase in cash and bank balances 41.34 46.83 301.59 569.48 318.48 717.59 Increase in money at call 11.69 115.72 775.67 0 0 32.95 Increase in advances 760.98 1646.11 3882.65 3140.53 2972.82 9790.03 Increase in investments 394.86 955.33 1722.93 2020.59 2023.31 3092.92 Increase in fixed assets 20.89 20.64 46.72 48.65 58.36 12.52 Increase in other assets 46.66 109.85 221.85 352.14 596.36 0 Dividend 0 0 0 0 0 50.95Total Outflow 1278.93 2894.48 6951.41 6131.39 5969.33 13696.96Year 2005 2006 2007 2008 2009 2010

201103 201203

760.61 1013.27.48 5.8456.7 40.92

19140.37 3212.771941.83 7465.58

837.75 3094.210 743.47

257.98 00 00 00 00 0

23002.72 15575.99

0 00 00 00 00 0

1080.7 00 833.04

12170.52 36258618.9 8928.51

50.43 80.87995.38 1967.37

86.79 141.223002.72 15575.99

2011 2012

FINANCE - PROFIT AND LOSS - Yes Bank (Curr: Rs in Cr.)COMPANY/FINANCE/PROFIT AND LOSS/25267/Yes Bank


Total 48.18 292.61 788.32

II. Expenditure Interest expended 11.85 104.72 416.26 Payments to/Provisions for Employees 21.27 50.12 117.47 Operating Expenses & Administrative Expenses 7.98 13.23 29.67 Depreciation 1.25 5.66 11.07 Other Expenses, Provisions & Contingencies 11.41 34.49 70.22 Provision for Tax 0.1 25.71 54.94 Fringe Benefit tax 0 0.55 0.92 Deferred Tax -1.92 2.81 -6.6

Total 51.94 237.29 693.95

III. Profit & Loss Reported Net Profit -3.76 55.32 94.37 Extraordinary Items -0.02 -0.02 0 Adjusted Net Profit -3.74 55.34 94.37 Prior Year Adjustments 0 0 0 Profit brought forward 0 -3.76 37.73 IV. Appropriations Transfer to Statutory Reserve 0 13.83 23.59 Transfer to Other Reserves 0 0 3.21 Trans. to Government /Proposed Dividend 0 0 0 Balance carried forward to Balance Sheet -3.76 37.73 105.3

Equity Dividend % 0 0 0 Earnings Per Share-Unit Curr 0 2.05 3.37 Earnings Per Share(Adj)-Unit Curr 0 2.05 3.37 Book Value-Unit Curr 10.66 21.21 28.11 Book Value(Adj)-Unit Curr 10.66 21.21 28.11

200803 (12) 200903 (12) 201003 (12) 201103 (12) 201203 (12)

1304.68 2001.43 2369.71 4041.75 6307.36360.68 458.93 575.53 623.27 857.12

1665.36 2460.36 2945.24 4665.02 7164.48

974.11 1492.13 1581.76 2794.82 4691.72202.41 218.02 256.89 362.33 475.15

52.12 77.85 115.99 155.19 204.2919.23 30.1 30.26 34.84 40.82

111.01 176.35 233.85 225.66 302.48117.26 183.02 267.74 411.29 503.63

1.65 1.68 0 0 0-12.45 -22.63 -18.99 -46.25 -30.61

1465.34 2156.52 2467.5 3937.88 6187.48

200.02 303.84 477.74 727.14 977-0.01 -0.1 -0.37 -0.27 0

200.03 303.94 478.11 727.41 9770 0 0 0 0

105.3 245.08 405.78 672.95 1115.06

50.01 75.96 119.44 181.78 244.2510.23 67.18 31.52 2.01 25.35

0 0 59.61 101.24 164.07245.08 405.78 672.95 1115.06 1658.39

0 0 15 25 406.76 10.23 13.81 20.53 27.036.76 10.23 13.81 20.53 27.03

44.59 54.69 90.96 109.29 132.4944.59 54.69 90.96 109.29 132.49

FINANCE - BALANCE SHEET - Yes Bank (Curr: Rs in Cr.)COMPANY/FINANCE/BALANCE SHEET/25267/Yes Bank

200503 200603 200703 200803 200903 SOURCES OF FUNDS : Capital 200 270 280 295.79 296.98 Reserves Total 13.24 302.69 507.06 1023.13 1327.24 Equity Share Warrants 0 0 0 0 0 Equity Application Money 0 0 0 0 0 Deposits 663.03 2910.38 8220.39 13273.16 16169.42 Borrowings 369.74 464.76 867.32 986.21 3701.68 Other Liabilities & Provisions 29.16 216.26 1230.16 1404.93 1405.47 Others 0 0 0 0 0


APPLICATION OF FUNDS : Cash & Balances with RBI 41.34 88.17 389.76 959.24 1277.72 Balances with Banks & money at Call 11.69 127.41 903.08 668.33 644.99 Investments 394.86 1350.19 3073.12 5093.71 7117.02 Advances 760.98 2407.09 6289.74 9430.27 12403.09 Fixed Assets 19.64 34.72 70.87 101.17 131.11 Other Assets 46.66 156.51 378.36 730.5 1326.86 Miscellaneous Expenditure not written off 0 0 0 0 0 Others 0 0 0 0 0

TOTAL ASSETS 1275.17 4164.09 11104.93 16983.22 22900.79

Contingent Liability 6689.23 17508.24 52150.4 68883.4 65765.55 Bills for collection 0 1.3 100.71 788.57 192.93

201003 201103 201203

339.67 347.15 352.992749.88 3446.93 4323.65

0 0 00 0 0

26798.56 45938.93 49151.74749.08 6690.91 14156.491745.32 2583.07 5677.28

0 0 0

36382.51 59006.99 73662.11

1995.31 3076.01 2332.54677.94 419.96 1253

10209.94 18828.84 27757.3522193.12 34363.64 37988.64

115.47 132.43 177.11190.73 2186.11 4153.48

0 0 00 0 0

36382.51 59006.99 73662.11

105778.93 136207.72 161416.86153.43 170.14 402.05

GENERAL - BACKGROUND - Yes BankCOMPANY/GENERAL/BACKGROUND/25267/Yes Bank

Registered AddressNehru Centre 9th Floor Worli

Discovery of India Dr A B RoadMumbai - 400018 - Maharashtra

Tel. 91-22-33699000Fax. 91-22-24214507

[email protected]://www.yesbank.in

ProfileGroup : Indian Private 4-IPSector : BanksIndustry : Banks - Private Sector 6-00000034Chairman :Auditors : BSR & Co 5671Secretary : Sanjeev KapoorInc. Year : 2003Inc. Date : 11/21/2003AGM Date : 14/07/2012Financial Year : MarBook Closure : Jul

ListingMumbai NSE


Plot No 17-24, Vittal Rao Nagar, Madhapur, Hyderabad-500081

Tel. 91-040-4465500, Fax. 91-040-23420814/2342

Head Office

Stock Data BSE Code : 532648 BSE Group : A NSE Symbol : YESBANK ISIN Demat : INE528G01019 Reuters : YESB.BO Bloomberg : YES IN Par Value(Rs) 9:59 Tot. Employees 3928:59:00 NIC Activity : Monetary intermediation of commercial banks, savin NIC Code : 65191 No. of Branches 213:59:00 No. of ATMs 249:59:00

RATIOS - KEY FINANCIAL RATIOS - Karur Vysya BankCOMPANY/RATIOS/KEY FINANCIAL RATIOS/2722/Karur Vysya Bank

199803 199903 200003 200103 200203 200303 200403Key RatiosCredit-Deposit(%) 56.85 55.66 57.83 60.57 60.47 62.4 66.78Investment / Deposit (%) 36.16 38.21 39.15 36.07 35.58 36.38 36.42Cash / Deposit (%) 11.9 10.8 9.55 7.77 5.76 4.73 5.05Interest Expended / Interest Earned (%) 68.96 73.13 67.22 66.29 65.88 67.21 54.11Other Income / Total Income (%) 19.72 12.7 12.69 11.46 17.84 20.66 11.04Operating Expenses / Total Income (%) 19.63 20.01 17.91 17.02 15.12 16.03 21.56Interest Income / Total Funds (%) 11.95 11.96 12.18 11.55 10.32 9.14 9.75Interest Expended / Total Funds (%) 8.24 8.75 8.19 7.66 6.8 6.14 5.28Net Interest Income / Total Funds (%) 3.71 3.21 3.99 3.89 3.52 3 4.48Non Interest Income / Total Funds (%) 2.94 1.74 1.77 1.49 2.24 2.38 1.21Operating Expenses / Total Funds (%) 2.92 2.74 2.5 2.22 1.9 1.85 2.36Profit before Provisions / Total Funds (%) 3.72 2.21 3.26 3.17 3.86 3.53 3.32Net Profit / Total funds (%) 1.95 1.31 2.07 1.8 2.32 2.22 2.43RONW (%) 30.8 20.81 31.25 24.45 28.6 25.28 25.35YEAR 1998 1999 2000 2001 2002 2003 2004

200503 200603 200703 200803 200903 201003 201103 201203

68.68 71.41 74.46 75.2 71.72 69.41 71.06 73.4834.9 31.7 30.57 29.24 29.81 32.93 32.58 32.095.63 5.98 6.3 7.74 7.46 6.29 6.54 6.34

56.55 56.54 59.98 69.17 71.62 67.87 65.42 71.9616.07 18.03 14.42 14.78 15.51 12.32 10.65 9.6724.24 24.87 21.66 16.65 15.05 17.39 17.35 14.96

7.88 7.71 8.64 8.62 9.14 9.01 8.84 9.934.46 4.36 5.18 5.96 6.55 6.12 5.78 7.143.42 3.35 3.46 2.66 2.59 2.9 3.06 2.781.51 1.7 1.46 1.5 1.68 1.27 1.05 1.062.28 2.34 2.19 1.68 1.63 1.79 1.72 1.642.66 2.71 2.73 2.47 2.64 2.38 2.39 2.21.41 1.6 1.59 1.62 1.49 1.72 1.66 1.5214.3 16.58 16.54 18.49 18.57 22.63 22.26 20.81

2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - CASH FLOW - Karur Vysya Bank (Curr: Rs in Cr.)COMPANY/FINANCE/CASH FLOW/2722/Karur Vysya Bank

199803 199903 200003 200103 200203 Cash Flow Summary Cash and Cash Equivalents at Beginning of the year 262.7 480.21 501.87 597.2 555.72 Net Cash from Operating Activities 227.31 36.4 107.62 2.32 321.43 Net Cash Used in Investing Activities -6.48 -11.44 -9.01 -39.44 -14.18 Net Cash Used in Financing Activities -3.32 -3.29 -3.28 -4.36 -3.92 Net Inc/(Dec) in Cash and Cash Equivalent 217.51 21.67 95.33 -41.48 303.33 Cash and Cash Equivalents at End of the year 480.21 501.88 597.2 555.72 859.05 Year 1998 1999 2000 2001 2002

200303 200403 200503 200603 200703 200803 200903 201003 201103 201203

859.05 689.05 597.79 655.17 782.35 771.95 1186.57 1374.17 1235.06 1774.46-166.32 -66.96 106.94 166.84 -60.29 515.37 282.48 -179.58 481.74 249.01

-22.83 -22.93 -29.45 -19.16 -20.16 -32.27 -19.39 -44.31 -102.22 -72.4919.15 -1.37 -20.11 -20.5 70.05 -68.48 -75.49 84.78 159.88 84.47-170 -91.26 57.38 127.18 -10.4 414.62 187.6 -139.11 539.4 260.99

689.05 597.79 655.17 782.35 771.95 1186.57 1374.17 1235.06 1774.46 2035.452003 2004 2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - FUNDS FLOW - Actual - Karur Vysya Bank (Curr: Rs in Cr.)COMPANY/FINANCE/FUNDS FLOW/2722/Karur Vysya Bank

199803 199903 200003 200103 200203 200303Sources of funds

Cash Profit 55.44 49.32 83.63 81.36 119.55 86.53 Increase in Equity 0 0 0 0 0 10.41 Other Increases in other Networth 0 0 0 0 0 5.78 Increase in Deposits 562.36 400.08 552.68 524.64 564.81 941.86 Increase in Borrowing 0 153.19 0 0 157.29 0 Increase in other Liabilities and Provisions 23.99 9.99 16.63 0 46.79 31.49 Decrease in cash and bank balances 0 0 0 43.17 29.08 0 Decrease in money at call 0 0 0 0 0 190.51 Decrease In advances 0 0 0 0 0 0 Decrease in investments 0 0 0 0 0 0 Decrease in Fixed assets 0 0 0 0 0 26.61 Other assets 19.88 0 0 0 0 0Total Inflow 661.67 612.58 652.94 649.17 917.52 1293.19


Cash Loss 0 0 0 0 0 0 Decrease in networth 0.73 0.67 1.5 0.37 2.98 0 Decrease in deposits 0 0 0 0 0 0 Decrease in borrowings 43.05 0 10.82 75.7 0 38.33 Decrease in other liabilities and provisions 0 0 0 22.3 0 0 Increase in cash and bank balances 57.38 5.71 26.89 0 0 20.51 Increase in money at call 160.12 15.95 68.44 1.7 332.4 0 Increase in advances 198.44 293.18 359.42 446.85 205.88 884.37 Increase in investments 192.45 251.42 165.27 50.08 304.52 306.17 Increase in fixed assets 6.5 12.5 9.01 39.44 14.19 0 Increase in other assets 0 30.15 7.99 9.13 53.35 31.22 Dividend 3 3 3.6 3.6 4.2 12.59Total Outflow 661.67 612.58 652.94 649.17 917.52 1293.19Year 1998 1999 2000 2001 2002 2003

200403 200503 200603 200703 200803 200903 201003 201103 201203

175.71 124.85 158.14 182.03 227.93 256.37 358.66 445.67 540.21.57 0 0 31.51 4.45 0.01 0.49 40.05 12.698.71 0 0 53.95 0 0 0 167.55 229.32

789.56 760.71 904.65 1763.45 3209.7 2551.4 4170.46 5450 7389.740 0 103.31 32.9 99.82 0 452.84 54.01 1442.67

155.39 0 4.33 85.6 65.29 71.46 0 292.96 00 0 0 0 0 135.58 0 0 0

187.83 0 0 134.89 89.67 0 373.78 0 00 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 00 0 15.16 0 0 0 0 0 0

1318.77 885.56 1185.59 2284.33 3696.86 3014.82 5356.23 6450.24 9614.62

0 0 0 0 0 0 0 0 00 38.51 3.03 0 21.2 10.95 1.38 0 00 0 0 0 0 0 0 0 0

164.57 10.88 0 0 0 305.3 0 0 00 21.27 0 0 0 0 10.87 0 14.81

96.58 54.44 89.13 124.49 504.29 0 234.67 481.35 241.030 2.93 38.05 0 0 323.18 0 58.05 19.96

678.84 596.56 935.65 1485.03 2381.05 988.35 3037.12 4367.46 6134.73327.93 46.02 79.1 575.82 652.38 1189.65 1886.18 1129.6 2774.33

21.31 29.49 19.06 20.28 32.31 26.82 44.75 102.84 72.7611.56 67.48 0 24.77 40.89 105.83 75.94 182.31 206.9517.98 17.98 21.57 53.94 64.74 64.74 65.32 128.63 150.05

1318.77 885.56 1185.59 2284.33 3696.86 3014.82 5356.23 6450.24 9614.622004 2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - PROFIT AND LOSS - Karur Vysya Bank (Curr: Rs in Cr.)COMPANY/FINANCE/PROFIT AND LOSS/2722/Karur Vysya Bank


Total 332.44 386.72 478.79

II. Expenditure Interest expended 184.04 246.91 281 Payments to/Provisions for Employees 37.7 41.09 53.92 Operating Expenses & Administrative Expenses 11.17 11.84 13.52 Depreciation 11.82 12.29 12.48 Other Expenses, Provisions & Contingencies 22.77 23.52 25.2 Provision for Tax 21.4 14.03 21.53 Fringe Benefit tax 0 0 0 Deferred Tax 0 0 0

Total 288.9 349.68 407.65

III. Profit & Loss Reported Net Profit 43.54 37.04 71.14 Extraordinary Items 0.01 0.02 0 Adjusted Net Profit 43.53 37.02 71.14 Prior Year Adjustments 0 0 0 Profit brought forward 0.02 0.03 0.04 IV. Appropriations Transfer to Statutory Reserve 13.15 11.17 21.4 Transfer to Other Reserves 27.08 22.56 45.34 Trans. to Government /Proposed Dividend 3.3 3.3 4.39 Balance carried forward to Balance Sheet 0.03 0.04 0.05


200103 (12) 200203 (12) 200303 (12) 200403 (12) 200503 (12) 200603 (12) 200703 (12) 200803 (12)

461.19 482.3 515.61 647.62 590.77 650.85 867.4 1106.459.67 104.7 134.26 80.37 113.15 143.2 146.18 191.86

520.86 587 649.87 727.99 703.92 794.05 1013.58 1298.26

305.74 317.73 346.55 350.42 334.07 367.96 520.29 765.3549.43 53.1 60.1 78.87 76.36 87.36 92.7 101.78

16.1 17.09 23.1 30.74 39.91 37.23 49.76 55.389.31 11.04 10.9 14.65 19.51 22.8 22.01 19.6

50.39 44.26 34.09 50.66 108.24 97.15 98.58 47.9217.84 38.6 48.5 36.9 26.5 45 62.5 99.9

0 0 0 0 0 1.2 2.61 00 -3.33 1.66 4.7 -6.01 0 5.12 0

448.81 478.49 524.9 566.94 598.58 658.7 853.57 1089.93

72.05 108.51 124.97 161.05 105.34 135.35 160.01 208.330.01 0.01 -0.07 -0.02 0.03 -0.07 0.08 0.03

72.04 108.5 125.04 161.07 105.31 135.42 159.93 208.30 0 0 0 0 0 0 0

0.05 0.74 1.03 1.33 1.1 0.19 0.94 1.34

22.78 32.8 37.5 48.5 31.75 41 48.1 6344.61 71.22 73 92.5 54 69 48.4 69.84

3.97 4.2 14.2 20.28 20.5 24.6 63.11 75.720.74 1.03 1.3 1.1 0.19 0.94 1.34 1.11

60 70 70 100 100 120 100 120119.47 180.85 75.17 88.29 57.19 73.59 30.48 36.58119.47 180.85 15.53 18.24 11.81 15.2 17.31 20.77547.97 716.85 340.45 396.01 423.18 484.78 214.82 220.62547.97 716.85 70.32 81.8 87.42 100.14 121.99 125.28

200903 (12) 201003 (12) 201103 (12) 201203 (12)

1446.09 1757.94 2217.7 3270.37265.46 246.98 264.33 350.15

1711.55 2004.92 2482.03 3620.52

1035.68 1193.05 1450.84 2353.25122.86 163.27 229.5 264.41

71.16 84.53 106.92 134.1220.53 22.63 30.09 38.48

130.38 115.57 103.41 198.3195.1 89.84 132.69 137.12

0 0 0 00 0 12.99 -6.89

1475.71 1668.89 2066.44 3118.8

235.84 336.03 415.59 501.720.19 0.35 0.46 0.21

235.65 335.68 415.13 501.510 0 0 18.45

1.11 1.45 1.85 1.44

71 101 125 150.588.76 158.21 141.5 194.9575.74 76.42 149.5 174.39

1.45 1.85 1.44 1.77

120 120 120 14041.68 59.69 41.77 44.5423.67 33.9 41.77 44.54

250.26 297.57 223.78 252.68142.12 168.98 223.78 252.68

FINANCE - BALANCE SHEET - Karur Vysya Bank (Curr: Rs in Cr.)COMPANY/FINANCE/BALANCE SHEET/2722/Karur Vysya Bank

199803 199903 200003 200103 200203 200303 SOURCES OF FUNDS : Capital 6 6 6 6 6 16.41 Reserves Total 155.29 188.66 254.7 322.78 424.11 542.27 Equity Share Warrants 0 0 0 0 0 0 Equity Application Money 0 0 0 0 0 0 Deposits 2137.85 2537.93 3090.61 3615.25 4180.06 5121.92 Borrowings 82.13 235.32 224.5 148.8 306.09 267.76 Other Liabilities & Provisions 142.75 152.74 169.37 147.07 193.86 225.35 Others 0 0 0 0 0 0



TOTAL ASSETS 2524.02 3120.65 3745.18 4239.9 5110.12 6173.71


200403 200503 200603 200703 200803 200903 201003 201103 201203

17.98 17.98 17.98 49.49 53.94 53.95 54.44 94.49 107.18694.05 742.9 853.65 1013.67 1136.06 1296.21 1565.54 2020.05 2601.04

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

5911.48 6672.19 7576.84 9340.29 12549.99 15101.39 19271.85 24721.85 32111.59103.19 92.31 195.62 228.52 328.34 23.04 475.88 529.89 1972.56380.74 359.47 363.8 449.4 514.69 586.15 575.28 868.24 853.43

0 0 0 0 0 0 0 0 0

7107.44 7884.85 9007.89 11081.37 14583.02 17060.74 21942.99 28234.52 37645.8

327.05 381.49 470.62 595.11 1099.4 963.82 1198.49 1679.84 1920.87270.75 273.68 311.73 176.84 87.17 410.35 36.57 94.62 114.58

2173.01 2219.03 2298.13 2873.95 3526.33 4715.98 6602.16 7731.76 10506.094023.24 4619.8 5555.45 7040.48 9421.53 10409.88 13447 17814.46 23949.19

92.18 102.16 98.43 96.69 109.4 115.69 137.81 210.57 244.85221.21 288.69 273.53 298.3 339.19 445.02 520.96 703.27 910.22

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

7107.44 7884.85 9007.89 11081.37 14583.02 17060.74 21942.99 28234.52 37645.8

1958.66 2003.48 2552.92 4400.87 7514.99 4207.65 5862.25 6159.64 7950.54432.87 381.67 520.23 590.6 662.46 789.51 763.72 911.16 1185.15

GENERAL - BACKGROUND - Karur Vysya BankCOMPANY/GENERAL/BACKGROUND/2722/Karur Vysya Bank

Registered AddressErode RoadP B No. 21

Karur - 639002 - Tamil NaduTel. 91-4324-226520/225521-25

Fax. [email protected]

http://www.kvb.co.inProfile

Group : Indian Private 4-IPSector : BanksIndustry : Banks - Private Sector 6-00000034Chairman : K P Kumar 5202Auditors : R K Kumar & Co 2704Secretary : R KannanInc. Year : 1916Inc. Date :AGM Date : 30/07/2012Financial Year : MarBook Closure : Jul

ListingMumbai NSE

Registrar & Transfer AgentsSKDC Consultants Ltd

Kanapathy Towers, 3rd Flr 1391/A1, Sathy Road Ganapathy, Coimbatore - 641 006

Tel. 91-422-6549995/25398, Fax. 91-422-2539837

Head Office

Stock Data BSE Code : 590003 BSE Group : B NSE Symbol : KARURVYSYA ISIN Demat : INE036D01010 Reuters : KARU.BO Bloomberg : KVB IN Par Value(Rs) 9:59 Tot. Employees 4573:59:00 NIC Activity : Monetary intermediation of commercial banks, savin NIC Code : 65191 No. of Branches 368:59:00 No. of ATMs 487:59:00

RATIOS - KEY FINANCIAL RATIOS - ING Vysya BankCOMPANY/RATIOS/KEY FINANCIAL RATIOS/2721/ING Vysya Bank

199803 199903 200003 200103 200203 200303 200403Key RatiosCredit-Deposit(%) 48.03 43.68 48.22 53.03 53.91 58.15 63.81Investment / Deposit (%) 36.88 37.03 37.24 34.82 38.77 41.96 39.29Cash / Deposit (%) 10.94 10.07 9.14 8.19 7.48 6.14 5.78Interest Expended / Interest Earned (%) 83.9 86.91 86.06 80.51 80.19 76.02 73.59Other Income / Total Income (%) 18.03 13.33 19.05 12.23 23.31 28.37 28.79Operating Expenses / Total Income (%) 16.24 17.29 18.03 18.05 21.52 26.4 27.43Interest Income / Total Funds (%) 10.25 10.23 9.69 9.45 8.96 8.25 7.56Interest Expended / Total Funds (%) 8.6 8.89 8.34 7.61 7.19 6.27 5.57Net Interest Income / Total Funds (%) 1.65 1.34 1.35 1.84 1.78 1.98 2Non Interest Income / Total Funds (%) 2.25 1.57 2.28 1.32 2.72 3.27 3.06Operating Expenses / Total Funds (%) 2.03 2.04 2.16 1.94 2.51 3.04 2.91Profit before Provisions / Total Funds (%) 1.87 0.87 1.47 1.22 1.98 2.21 2.14Net Profit / Total funds (%) 1.2 0.43 0.54 0.41 0.67 0.79 0.48RONW (%) 16.2 6.8 10.12 7.93 12.73 15.18 9.77YEAR 1998 1999 2000 2001 2002 2003 2004

200503 200603 200703 200803 200903 201003 201103 201203

69.5 74.55 77.23 74.22 69.26 69.48 75.12 80.0435.93 33.08 30.95 30.16 37.02 41.31 38.41 36.36

5.61 5.82 6.22 8.95 8.94 8.12 8.05 6.3763.98 60.64 64.85 70.34 71 62.84 62.64 68.67

15.2 13.72 18.74 20.51 19.86 21.74 19.56 14.837.23 40.52 32.58 28.99 27.74 28.32 30.64 24.53

6.98 7.66 7.08 7.53 7.83 6.82 7.41 8.984.47 4.64 4.59 5.3 5.56 4.28 4.64 6.172.51 3.01 2.49 2.23 2.27 2.53 2.77 2.811.25 1.22 1.63 1.94 1.94 1.89 1.8 1.563.07 3.6 2.84 2.75 2.71 2.47 2.82 2.59

0.7 0.62 1.13 1.43 1.5 1.96 1.75 1.79-0.27 0.06 0.5 0.7 0.66 0.74 0.88 1.06

0 0.89 6.47 12.98 12.5 12.69 13.44 14.272005 2006 2007 2008 2009 2010 2011 2012

FINANCE - CASH FLOW - ING Vysya Bank (Curr: Rs in Cr.)COMPANY/FINANCE/CASH FLOW/2721/ING Vysya Bank

199803 199903 200003 200103 200203 Cash Flow Summary Cash and Cash Equivalents at Beginning of the year 874.65 0 1743.13 1443.29 2126.48 Net Cash from Operating Activities 605.75 0 -451.1 687.55 -417.95 Net Cash Used in Investing Activities -150.84 0 -27.37 -40.49 -91.01 Net Cash Used in Financing Activities 20.36 0 178.63 36.13 -6.87 Net Inc/(Dec) in Cash and Cash Equivalent 475.27 0 -299.84 683.19 -515.83 Cash and Cash Equivalents at End of the year 1349.92 0 1443.29 2126.48 1610.65 Year 1998 1999 2000 2001 2002

200303 200403 200503 200603 200703 200803 200903 201003 201103 201203

1610.65 1227.14 1114.62 1114.5 1123.33 1591.7 3185.17 2281.63 3027.04 2521.42-331.78 -253.83 31.17 -203.16 308.12 1292.37 -2250.24 -37.61 -924.12 -1721.35

-44.51 -50.8 -21.95 -74.41 -17.62 98.31 -74.98 -100.32 -42.68 -46.75-7.22 192.11 -9.34 286.41 177.87 202.38 1421.68 883.34 461.18 2477.24

-383.51 -112.52 -0.12 8.84 468.37 1593.06 -903.54 745.41 -505.62 709.141227.14 1114.62 1114.5 1123.34 1591.7 3184.76 2281.63 3027.04 2521.42 3230.56

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - FUNDS FLOW - Actual - ING Vysya Bank (Curr: Rs in Cr.)COMPANY/FINANCE/FUNDS FLOW/2721/ING Vysya Bank

199803 199903 200003 200103 200203 200303Sources of funds

Cash Profit 122.97 82.56 48.8 30.96 108.61 129.26 Increase in Equity 1.44 1.11 2.57 2.86 0 0 Other Increases in other Networth 0 0 0 37.68 0 0 Increase in Deposits 679.28 761.67 913.6 717.1 0 1124.97 Increase in Borrowing 0 255.24 0 447.21 463.19 0 Increase in other Liabilities and Provisions 0 15.29 322.06 0 152.27 0 Decrease in cash and bank balances 37.1 0 49.88 0 115.01 36.92 Decrease in money at call 0 0 249.96 0 400.82 346.59 Decrease In advances 50.86 0 0 0 0 0 Decrease in investments 0 0 0 51.73 0 0 Decrease in Fixed assets 0 0 0 0 0 0 Other assets 0 0 0 0 0 117.02Total Inflow 891.65 1115.87 1586.87 1287.54 1239.9 1754.76


Cash Loss 0 0 0 0 0 0 Decrease in networth 55.93 72.54 15.74 0 25.76 54.88 Decrease in deposits 0 0 0 0 79.45 0 Decrease in borrowings 47.42 0 51.43 0 0 268.63 Decrease in other liabilities and provisions 21.59 0 0 13.86 0 136.51 Increase in cash and bank balances 0 88.31 0 51.42 0 0 Increase in money at call 512.37 304.9 0 631.77 0 0 Increase in advances 0 209.31 1155.64 378.56 102.02 1193.28 Increase in investments 182.7 366.93 282.6 0 913.28 43.34 Increase in fixed assets 9.12 35.02 4.67 8.76 31.71 49.07 Increase in other assets 54.09 32.78 70.37 196.24 79.76 0 Dividend 8.43 6.08 6.42 6.93 7.92 9.05Total Outflow 891.65 1115.87 1586.87 1287.54 1239.9 1754.76Year 1998 1999 2000 2001 2002 2003

200403 200503 200603 200703 200803 200903 201003 201103 201203

58.6 16.34 16.24 100.57 193.88 228.25 258.85 387.95 502.660.03 0.06 68.01 0.18 11.57 0.13 17.37 1.02 29.130.13 2.27 239.12 1.19 280.5 0 399.18 13.8 930.9

1291.45 2091.23 765.96 2083.33 5038.97 4431.91 975.83 4328.95 5001.1730.5 0 276.67 0 406.25 1935.52 486.07 475.52 1549.58

401.85 247.87 23.21 616.58 376.02 0 0 69.08 77.980 0 0 0 0 472.51 0 145.81 201.41

227.18 40.94 166.15 0 0 430.62 0 359.82 00 0 0 0 0 0 0 0 00 0 0 0 0 0 22.62 0 0

10.76 0 0 0 0 0 0 0 00 64.27 45.6 0 0 0 515.02 10.86 0

2020.5 2462.98 1600.96 2801.85 6307.19 7498.94 2674.94 5792.81 8292.83

0 0 0 0 0 0 0 0 00 0 0 0 0 0.4 0 0 00 0 0 0 0 0 0 0 00 133.57 0 263.9 0 0 0 0 00 0 0 0 0 210.89 73.36 0 0

114.66 40.82 174.98 104.16 1317.72 0 538.57 0 00 0 0 364.21 275.34 0 206.85 0 910.55

1325.12 2143.86 1150.94 1744.63 2673.39 2106.83 1750.81 5094.95 5134.53444.7 110.65 176.45 155.47 1765.51 4202.22 0 585.35 1657.23

0 34.08 98.59 2.22 40.19 77.46 75.36 76.21 44.32124.69 0 0 161.35 219.67 880.62 0 0 486.15

11.33 0 0 5.91 15.37 20.52 29.99 36.3 60.052020.5 2462.98 1600.96 2801.85 6307.19 7498.94 2674.94 5792.81 8292.83

2004 2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - PROFIT AND LOSS - ING Vysya Bank (Curr: Rs in Cr.)COMPANY/FINANCE/PROFIT AND LOSS/2721/ING Vysya Bank


Total 786.56 837.1 980.57


Total 711.04 806.56 936.26

III. Profit & Loss Reported Net Profit 75.52 30.54 44.31 Extraordinary Items 0.02 0.02 -0.01 Adjusted Net Profit 75.5 30.52 44.32 Prior Year Adjustments -0.01 0 0 Profit brought forward 0.04 0.07 0.08 IV. Appropriations Transfer to Statutory Reserve 18.88 7.64 12.55 Transfer to Other Reserves 47.33 16.15 24.6 Trans. to Government /Proposed Dividend 9.27 6.74 7.13 Balance carried forward to Balance Sheet 0.07 0.08 0.11


200103 (12) 200203 (12) 200303 (12) 200403 (12) 200503 (12) 200603 (12) 200703 (12) 200803 (12)

889.29 923.34 904.5 924.15 990.58 1222.43 1267.63 1680.44123.88 280.59 358.32 373.72 177.49 194.46 292.41 433.47

1013.17 1203.93 1262.82 1297.87 1168.07 1416.89 1560.04 2113.91

715.98 740.43 687.57 680.06 633.82 741.25 822.04 1182.05103.78 140.23 173.15 167.55 176.11 234.19 227.24 302.39

43.9 52.83 64.51 81.89 89.94 126.96 120.69 124.2113.56 29.7 49.97 51.29 43.36 41.34 41.27 42.22

87.3 146.74 163.96 242.63 298.33 251.68 221.26 211.6710.1 25.25 40.49 40.81 -35.32 4.62 36.55 90.82

0 0 0 0 0 7.79 2.08 3.620 0 -3.18 -25.36 0 0 0 0

974.62 1135.18 1176.47 1238.87 1206.24 1407.83 1471.13 1956.98

38.55 68.75 86.35 59 -38.17 9.06 88.91 156.93-0.02 0.34 0.24 0.43 0.92 2.39 27.45 2.1638.57 68.41 86.11 58.57 -39.09 6.67 61.46 154.77-1.35 -25.76 -10.72 0 0 0 0 00.11 0.11 0.12 3.57 3.57 -34.6 1.29 18.44

9.64 17.18 21.59 14.75 0 2.27 22.23 39.2319.92 17.88 40.38 31.47 0 -29.1 42.62 14.63

7.64 7.92 10.21 12.78 0 0 6.91 17.980.11 0.12 3.57 3.57 -34.6 1.29 18.44 103.53

35 35 40 50 0 0 6.5 1516.73 30.39 37.66 25.41 0 1 9.67 15.06

5.13 9.31 11.54 7.79 0 1 9.67 15.06230.97 246.48 256.39 277.17 260.65 100.1 109.19 139.18

70.79 75.54 78.58 84.95 260.65 100.1 109.19 139.18

200903 (12) 201003 (12) 201103 (12) 201203 (12)

2239.89 2232.89 2694.06 3856.81555.11 620.22 654.96 669.76

2795 2853.11 3349.02 4526.57

1590.27 1403.05 1687.54 2648.46392.22 428.85 605.66 651.03148.06 163.77 174.15 202.7

43.62 40.96 47.73 49.81326.27 445.17 350.3 320.64103.04 129.09 141.65 184.73

2.74 0 0 00 0 23.34 12.9

2606.22 2610.89 3030.37 4070.27

188.78 242.22 318.65 456.32.99 20.1 9.94 0.57

185.79 222.12 308.71 455.730 0 0 0

103.53 206.53 330.22 517.46

47.19 60.55 79.66 114.0814.58 22.89 9.56 14.6324.01 35.09 42.19 79.6

206.53 330.22 517.46 765.45

20 25 30 4018.06 19.76 25.85 29.6718.06 19.76 25.85 29.67

154.94 185.04 208.13 258.11154.94 185.04 208.13 258.11

FINANCE - BALANCE SHEET - ING Vysya Bank (Curr: Rs in Cr.)COMPANY/FINANCE/BALANCE SHEET/2721/ING Vysya Bank

199803 199903 200003 200103 200203 SOURCES OF FUNDS : Capital 16.08 17.19 19.76 22.62 22.62 Reserves Total 468.92 420.6 570.48 630.12 663.72 Equity Share Warrants 0 0 0 0 0 Equity Application Money 0 0 0 0 0 Deposits 5748.73 6510.4 7424 8141.1 8061.65 Borrowings 88.27 343.51 292.08 739.29 1202.48 Other Liabilities & Provisions 292.11 307.4 629.46 615.6 767.87 Others 0 0 0 0 0



TOTAL ASSETS 6614.11 7599.1 8935.78 10148.73 10718.34


200303 200403 200503 200603 200703 200803 200903 201003 201103

22.62 22.65 22.71 90.72 90.9 102.47 102.6 119.97 120.99684.37 724.67 686.69 928.95 1012.38 1433.18 1595.82 2207.96 2501.42

0 0 0 0 0 0 0 0 00 0 0 0 0 0 4.47 2.99 1.88

9186.62 10478.07 12569.3 13335.26 15418.59 20457.56 24889.47 25865.3 30194.25933.85 964.35 830.78 1107.45 843.55 1249.8 3185.32 3671.39 4146.91631.36 1033.21 1281.08 1304.29 1920.87 2296.89 2086 2012.64 2081.72

0 0 0 0 0 0 0 0 0

11458.82 13222.95 15390.56 16766.67 19286.29 25539.9 31863.68 33880.25 39047.17

511.19 625.85 666.67 841.65 945.81 2263.53 1791.02 2329.59 2183.78715.95 488.77 447.83 281.68 645.89 921.23 490.61 697.46 337.64

3640.54 4085.24 4195.89 4372.34 4527.81 6293.32 10495.54 10472.92 11058.275611.61 6936.73 9080.59 10231.53 11976.16 14649.55 16756.38 18507.19 23602.14

344.79 334.43 314 405.41 395.97 399.21 437.2 495.93 502.84634.74 751.93 685.58 634.06 794.65 1013.06 1892.93 1377.16 1362.5

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

11458.82 13222.95 15390.56 16766.67 19286.29 25539.9 31863.68 33880.25 39047.17

8984.47 11289.11 31479.18 27392.05 40209.84 59525.89 73908.26 74133.8 58408.69862.99 1405.11 1318.26 1478.54 1447.99 1805.8 3015.01 3288.07 3955.6

201203

150.123828.08

01.59

35195.425696.49

2159.70

47031.4

1982.371248.1912715.5

28736.67500.8

1847.8700

47031.4

122568.575379.83

GENERAL - BACKGROUND - ING Vysya BankCOMPANY/GENERAL/BACKGROUND/2721/ING Vysya Bank

Registered AddressING Vysya HouseNo 22 M G Road

Bangalore - 560001 - KarnatakaTel. 91-80-25005000(Ext 3570)/770/754

Fax. 91-80-25005555/[email protected]://www.ingvysyabank.com

ProfileGroup : Indian Private 4-IPSector : BanksIndustry : Banks - Private Sector 6-00000034Chairman : Arun Thiagarajan 2620Auditors : BSR & Co 5671Secretary : M V S Appa RaoInc. Year : 1930Inc. Date : 3/29/1930AGM Date : 29/06/2012Financial Year : MarBook Closure : Jun

ListingMumbai NSE



Head Office

Stock Data BSE Code : 531807 BSE Group : A NSE Symbol : INGVYSYABK ISIN Demat : INE166A01011 Reuters : VYSA.BO Bloomberg : VYSB IN Par Value(Rs) 9:59 Tot. Employees : 10001 NIC Activity : Monetary intermediation of commercial banks, savin NIC Code : 65191 No. of Branches 526:59:00 No. of ATMs 429:59:00

RATIOS - KEY FINANCIAL RATIOS - ICICI BankCOMPANY/RATIOS/KEY FINANCIAL RATIOS/5418/ICICI Bank

199803 199903 200003 200103 200203 200303 200403Key RatiosCredit-Deposit(%) 48.43 37.21 36.18 40.73 111.56 125 99.7Investment / Deposit (%) 36.68 44.64 45.66 48.02 90.95 88.91 67.26Cash / Deposit (%) 11.58 8.92 7.45 7.44 6.2 8.3 8.85Interest Expended / Interest Earned (%) 71.88 78.21 78.2 67.44 72.44 84.8 77.93Other Income / Total Income (%) 24.68 14.08 18.55 15.45 22.1 25.26 25.41Operating Expenses / Total Income (%) 16.72 13.12 13.71 22.07 23.07 16.1 21.32Interest Income / Total Funds (%) 10.26 10.6 8.95 7.81 3.47 8.84 7.7Interest Expended / Total Funds (%) 7.38 8.29 7 5.27 2.52 7.5 6Net Interest Income / Total Funds (%) 2.89 2.31 1.95 2.54 0.96 1.34 1.7Non Interest Income / Total Funds (%) 3.36 1.74 2.04 1.43 0.98 2.99 2.62Operating Expenses / Total Funds (%) 2.28 1.62 1.51 2.04 1.03 1.9 2.2Profit before Provisions / Total Funds (%) 3.97 2.43 2.48 1.93 0.91 2.43 2.12Net Profit / Total funds (%) 1.98 1.23 1.11 1.01 0.42 1.14 1.4RONW (%) 22.39 22.04 14.45 13.21 7.23 18.87 21.91YEAR 1998 1999 2000 2001 2002 2003 2004

200503 200603 200703 200803 200903 201003 201103 201203

91.74 89.68 86.46 88.74 95.93 95.04 92.97 97.7155.52 46.07 41.15 42.68 46.35 53.28 59.77 61.16

7 5.77 6.99 10.12 10.14 10.72 11.32 8.669.83 67.09 74.37 76.28 73.09 68.44 65.28 6827.33 26.14 24.04 22.38 20.82 22.53 20.38 18.2825.49 30.24 23.23 20.73 19.25 17.66 20.28 19.13

6.39 6.8 7.36 8.26 7.97 6.91 6.74 7.624.46 4.56 5.48 6.3 5.83 4.73 4.4 5.181.93 2.24 1.89 1.96 2.14 2.18 2.34 2.44

2.4 2.41 2.33 2.38 2.1 2.01 1.73 1.72.24 2.79 2.25 2.21 1.94 1.58 1.72 1.782.09 1.86 1.97 2.14 2.3 2.62 2.35 2.361.36 1.21 1.04 1.12 0.96 1.08 1.34 1.47

19.51 14.62 13.37 11.75 7.83 7.96 9.65 11.22005 2006 2007 2008 2009 2010 2011 2012

FINANCE - CASH FLOW - ICICI Bank (Curr: Rs in Cr.)COMPANY/FINANCE/CASH FLOW/5418/ICICI Bank

199803 199903 200003 200103 Cash Flow Summary Cash and Cash Equivalents at Beginning of the year 372.92 872.89 1638.25 4093.57 Net Cash from Operating Activities 568.37 662.9 1091.57 -394.02 Net Cash Used in Investing Activities -105.9 -47.69 -56.03 -78.39 Net Cash Used in Financing Activities 37.5 150.15 741.37 -27.47 Net Inc/(Dec) in Cash and Cash Equivalent 499.97 765.36 1776.91 -499.88 Cash and Cash Equivalents at End of the year 872.89 1638.25 3415.16 3593.69 Year 1998 1999 2000 2001

200203 200303 200403 200503 200603 200703 200803 200903 201003

10437.43 12786.35 6489 8470.63 12929.97 17040.22 37121.32 38041.13 29966.562241.2 10711.91 10316.83 9131.72 4653.33 23029.19 -11720.16 -13557.81 1869.21-23.68 -5743.22 -2136.93 -3445.24 -7893.98 -18362.67 -17324.85 3857.88 5655.3131.4 -11266.04 -6198.27 -1227.14 7350.9 15414.58 29964.82 1625.36 1382.62

2348.92 -6297.35 1981.63 4459.34 4110.25 20081.1 919.81 -8074.57 8907.1312786.35 6489 8470.63 12929.97 17040.22 37121.32 38041.13 29966.56 38873.69

2002 2003 2004 2005 2006 2007 2008 2009 2010

201103 201203

38873.69 34090.08-6908.92 9683.82

-980.66 -11374.543105.97 3829.95

-4783.61 2139.2334090.08 36229.31

2011 2012

FINANCE - FUNDS FLOW - Actual - ICICI Bank (Curr: Rs in Cr.)COMPANY/FINANCE/FUNDS FLOW/5418/ICICI Bank

199803 199903 200003 200103 200203Sources of funds

Cash Profit 71.28 90.02 136.39 273 308.33 Increase in Equity 15 0 31.82 0 23.54 Other Increases in other Networth 35.88 0 728.81 22.54 5068.11 Increase in Deposits 1281.42 3443.92 3793.08 6512.19 15706.9 Increase in Borrowing 99.24 7.66 291.58 541.32 47648.42 Increase in other Liabilities and Provisions 32.03 209.09 165.11 470.88 16561.67 Decrease in cash and bank balances 0 0 0 0 0 Decrease in money at call 0 0 0 331.24 0 Decrease In advances 0 0 0 0 0 Decrease in investments 0 0 0 0 0 Decrease in Fixed assets 0 0 0 0 0 Other assets 7.64 0 0 0 0Total Inflow 1542.49 3750.69 5146.79 8151.17 85316.97


Cash Loss 0 0 0 0 0 Decrease in networth 0 1.98 0 0 0 Decrease in deposits 0 0 0 0 0 Decrease in borrowings 0 0 0 0 0 Decrease in other liabilities and provisions 0 0 0 0 0 Increase in cash and bank balances 159.75 155.72 256.08 509.77 542.81 Increase in money at call 340.21 609.65 1520.83 0 8649.85 Increase in advances 329.87 982.25 1547.23 3374.11 40003.41 Increase in investments 588.04 1837.84 1555.45 3770.18 27704.22 Increase in fixed assets 108.39 42.6 53.57 274.53 3904.62 Increase in other assets 0 100.85 188.88 178.51 4467.99 Dividend 16.23 19.8 24.75 44.07 44.07Total Outflow 1542.49 3750.69 5146.79 8151.17 85316.97Year 1998 1999 2000 2001 2002

200303 200403 200503 200603 200703 200803 200903 201003 201103

1703.49 1918.64 2459.02 3040.31 3497.51 4709.69 4473.11 4284.33 5613.16392.3 3.74 120.36 153.07 9.51 213.34 0.61 1.6 36.93

0 0 3046.8 7722.22 0 19009.84 178.65 0 016084.2 19939.27 31710.19 65264.4 65427.02 13920.86 0 0 23585.51

0 0 2804.26 4977.41 12734.12 14392.4 27507.02 1108.12 15290.711530.94 0 3231.94 3725.49 12985.36 4634.47 0 0 462.47

0 0 0 0 0 0 11841.2 0 6607.339409.02 0 0 0 0 9750.84 0 1070.83 0

0 0 0 0 0 0 7305.23 37105.25 0428.78 0 0 0 0 0 8396.03 0 0

0 0 0 0 0 0 0 329.58 00 236.81 0 0 0 0 0 5030.22 2890.16

29548.73 22098.46 43372.57 84882.9 94653.52 66631.44 59701.85 48929.93 54486.27

0 0 0 0 0 0 0 0 0450.35 19.54 0 0 111.29 0 0 603.37 103.17

0 0 0 0 0 0 26083.22 16331.23 015502.68 2438.29 0 0 0 0 0 0 0

0 188.95 0 0 0 0 24704.13 2845.01 03111.67 521.86 936.9 2589.47 9772.51 10670.65 0 9977.97 0

0 1459.78 3522.44 1520.77 10308.59 0 3766.63 0 1823.716244.54 9368.21 28757.53 54757.96 49702.49 29750.48 0 0 35160.3

0 7280.56 7744.49 21060.04 19710.45 20196.5 0 17834.49 13793.16318.7 277.21 435.45 442.91 330 737.44 407.7 0 1993.35

3461.01 0 1342.8 3752.42 3817.02 4052.41 3515.59 0 0459.78 544.06 632.96 759.33 901.17 1223.96 1224.58 1337.86 1612.58

29548.73 22098.46 43372.57 84882.9 94653.52 66631.44 59701.85 48929.93 54486.272003 2004 2005 2006 2007 2008 2009 2010 2011

201203

6911.750.95

750.1429897.8530610.63

1573.73445.68

00000

70190.73

000000

2584.9137361.7624874.08

316.923151.021902.04

70190.732012

FINANCE - PROFIT AND LOSS - ICICI Bank (Curr: Rs in Cr.)COMPANY/FINANCE/PROFIT AND LOSS/5418/ICICI Bank


Total 344.79 633.19 1047.06

II. Expenditure Interest expended 186.68 425.52 666.95 Payments to/Provisions for Employees 12.27 18.19 36.37 Operating Expenses & Administrative Expenses 20.69 33.29 51.48 Depreciation 14.47 17.53 24.79 Other Expenses, Provisions & Contingencies 40.16 45.3 135.57 Provision for Tax 20.3 30 26.6 Fringe Benefit tax 0 0 0 Deferred Tax 0 0 0

Total 294.57 569.83 941.76

III. Profit & Loss Reported Net Profit 50.22 63.36 105.3 Extraordinary Items -0.03 -0.07 -0.1 Adjusted Net Profit 50.25 63.43 105.4 Prior Year Adjustments 0 0 0 Profit brought forward 0.02 0.39 0.13 IV. Appropriations Transfer to Statutory Reserve 27 20 25 Transfer to Other Reserves 5 21.84 52.82 Trans. to Government /Proposed Dividend 17.85 21.78 27.47 Balance carried forward to Balance Sheet 0.39 0.13 0.14


200103 (12) 200203 (12) 200303 (12) 200403 (12) 200503 (12) 200603 (12) 200703 (12) 200803 (12)

1242.13 2151.93 9368.06 9002.39 9409.89 14306.13 21995.59 30788.34226.96 610.34 3165.32 3066.83 3539.67 5062.22 6962.95 8878.85

1469.09 2762.27 12533.38 12069.22 12949.56 19368.35 28958.54 39667.19

837.67 1558.92 7944 7015.25 6570.89 9597.45 16358.5 23484.2451.71 147.18 403.02 546.06 737.41 1082.29 1616.75 2078.9

130.31 241.72 528.83 679.34 850.41 1126.66 1510.44 1922.236.75 64.1 505.94 539.44 590.36 623.79 544.78 578.35186.5 461.05 2373.45 1389.31 1676.29 3844.55 5283.03 6550.465.05 121.33 214.55 269.59 176.49 661.87 944.32 1569.53

0 0 0 0 0 26.35 36.93 39.20 -90.33 -642.59 -6.88 342.51 -134.68 -446.43 -713.36

1307.99 2503.97 11327.2 10432.11 10944.36 16828.28 25848.32 35509.46

161.1 258.3 1206.18 1637.11 2005.2 2540.07 3110.22 4157.73-0.09 -0.03 -4.71 -1.64 -1.65 5.6 85.37 45.23

161.19 258.33 1210.89 1638.75 2006.85 2534.47 3024.85 4112.50 0 0 0 0 0 0 0

0.8 0.83 19.56 5.05 53.09 188.22 293.44 998.27

80 65 302 409.3 502 636 780 104032.5 126 400 566 645.01 933.02 571.12 302.31

48.57 48.57 518.69 613.77 723.06 865.83 1054.27 1377.370.83 19.56 5.05 53.09 188.22 293.44 998.27 2436.32

20 20 75 75 85 85 100 1107.96 11.52 18.73 25.43 25.99 27.35 32.88 36.037.96 11.52 18.73 25.43 25.99 27.35 32.88 36.0365.5 265.6 113.17 129.96 170.34 249.55 270.35 417.6465.5 265.6 113.17 129.96 170.34 249.55 270.35 417.64

200903 (12) 201003 (12) 201103 (12) 201203 (12)

31092.55 25706.93 25974.05 33542.658176.26 7477.65 6647.9 7502.76

39268.81 33184.58 32621.95 41045.41

22725.94 17592.57 16957.15 22808.51971.71 1925.79 2816.93 3515.281952.99 1770.03 1815.42 1925.3

678.6 619.5 562.44 524.536825.6 5934.37 3712.3 3474.47

1793.31 1597.78 2138.11 2187.4234.2 0 0 0

-471.67 -280.44 -531.78 144.65

35510.68 29159.6 27470.57 34580.15

3758.13 4024.98 5151.38 6465.2611.37 94.29 28.14 -1.24

3746.76 3930.69 5123.24 6466.50 0 0 0

2436.32 2809.65 3464.38 5018.18

940 1007 1288 16171068.43 861.26 492.55 689.391376.37 1501.99 1817.03 2122.822809.65 3464.38 5018.18 7054.23

110 120 140 16532.4 34.63 42.97 54.1732.4 34.63 42.97 54.17

444.92 462.99 478.29 523.98444.92 462.99 478.29 523.98

FINANCE - BALANCE SHEET - ICICI Bank (Curr: Rs in Cr.)COMPANY/FINANCE/BALANCE SHEET/5418/ICICI Bank

199803 199903 200003 200103 200203 SOURCES OF FUNDS : Capital 165 165 196.82 196.82 962.55 Reserves Total 101.75 143.33 952.69 1092.26 5632.41 Equity Share Warrants 0 0 0 0 0 Equity Application Money 0 0 0 0 0 Deposits 2629.02 6072.94 9866.02 16378.21 32085.11 Borrowings 192.23 199.89 491.47 1032.79 48681.21 Other Liabilities & Provisions 191.43 400.52 565.63 1036.51 17598.18 Others 0 0 0 0 0



TOTAL ASSETS 3279.43 6981.68 12072.63 19736.59 104959.46


200303 200403 200503 200603 200703 200803 200903 201003

962.66 966.4 1086.76 1239.83 1249.34 1462.68 1113.29 1114.896320.65 7394.16 11813.2 21316.16 23413.92 45357.53 48419.73 50503.48

0 0 0 0 0 0 0 00 0 0 0 0 0 0 0

48169.31 68108.58 99818.77 165083.17 230510.19 244431.05 218347.83 202016.633178.53 30740.24 33544.5 38521.91 51256.03 65648.43 93155.45 94263.5719129.12 18940.17 22172.11 25897.6 38882.96 43517.43 18813.3 15968.29

0 0 0 0 0 0 0 0

107760.27 126149.55 168435.34 252058.67 345312.44 400417.12 379849.6 363866.83

4886.14 5408 6344.9 8934.37 18706.88 29377.53 17536.33 27514.31602.86 3062.64 6585.08 8105.85 18414.44 8663.6 12430.23 11359.435462.3 42742.86 50487.35 71547.39 91257.84 111454.34 103058.31 120892.8

53279.41 62647.62 91405.15 146163.11 195865.6 225616.08 218310.85 181205.64060.73 4056.41 4038.04 3980.71 3923.42 4108.9 3801.62 3212.698468.83 8232.02 9574.82 13327.24 17144.26 21196.67 24712.26 19682.04

0 0 0 0 0 0 0 00 0 0 0 0 0 0 0

107760.27 126149.55 168435.34 252058.67 345312.44 400417.12 379849.6 363866.83

89438.5 202941.9 268153.74 395033.67 562959.91 1211082.33 834683 727084.061336.78 1510.93 2392.09 4338.46 4046.56 4278.28 6000.44 6474.95

201103 201203

1151.82 1152.7753938.82 59250.09

0 00.29 2.38

225602.11 255499.96109554.28 140164.91

16430.76 18004.490 0

406678.08 474074.6

20906.97 20461.2913183.11 15768.02

134685.96 159560.04216365.9 253727.66

4744.26 4614.6916791.88 19942.9

0 00 0

406678.08 474074.6

923121.61 915465.18530.03 7572.06

GENERAL - BACKGROUND - ICICI BankCOMPANY/GENERAL/BACKGROUND/5418/ICICI Bank

Registered AddressLandmark Race Course Circle

AlkapuriVadodara - 390007 - Gujarat

Tel. 91-265-6617200/3983200/6617260Fax. 91-265-2339926/6617341

[email protected]://www.icicibank.com

ProfileGroup : ICICI 4-ICISector : BanksIndustry : Banks - Private Sector 6-00000034Chairman : K V Kamath 941Auditors : S R Batliboi & Co 3905Secretary : Sandeep BatraInc. Year : 1994Inc. Date : 1/5/1994AGM Date : 25/06/2012Financial Year : MarBook Closure : Jun

ListingMumbai NSE New York

Registrar & Transfer Agents3i Infotech Ltd

Tower No 5 3rd Floor, International Infote, Park Vashi, Navi Mumbai-400703

Tel. 91-022-67928090, Fax. 91-022-67928094

Head Office

Stock Data BSE Code : 532174 BSE Group : A NSE Symbol : ICICIBANK ISIN Demat : INE090A01013 Reuters : ICBK.BO Bloomberg : ICICIBC IN Par Value(Rs) 9:59 Tot. Employees : 58276 NIC Activity : Monetary intermediation of commercial banks, savin NIC Code : 65191 No. of Branches 2751:59:00 No. of ATMs 9005:59:00

RATIOS - KEY FINANCIAL RATIOS - HDFC BankCOMPANY/RATIOS/KEY FINANCIAL RATIOS/4987/HDFC Bank

199803 199903 200003 200103 200203 200303 200403Key RatiosCredit-Deposit(%) 40.83 43.91 41.99 39.82 39.06 46.39 55.89Investment / Deposit (%) 53.33 59.24 67.46 64.19 65.33 63.43 62.05Cash / Deposit (%) 11.25 9.86 10.06 9.14 7.5 8.23 8.76Interest Expended / Interest Earned (%) 57.12 60.94 55.05 59.85 63.05 59.2 47.51Other Income / Total Income (%) 20.5 15.33 15.58 12.92 16.4 18.85 16.16Operating Expenses / Total Income (%) 20.74 20 21.3 21.5 20.56 23.34 27.02Interest Income / Total Funds (%) 10.37 10.48 8.5 9.24 8.64 7.42 7Interest Expended / Total Funds (%) 5.92 6.38 4.68 5.53 5.45 4.39 3.32Net Interest Income / Total Funds (%) 4.45 4.09 3.82 3.71 3.19 3.03 3.67Non Interest Income / Total Funds (%) 2.67 1.9 1.57 1.37 1.69 1.72 1.35Operating Expenses / Total Funds (%) 2.71 2.47 2.14 2.28 2.12 2.13 2.25Profit before Provisions / Total Funds (%) 4.41 3.51 3.24 2.8 2.76 2.62 2.77Net Profit / Total funds (%) 2.72 2.3 1.5 1.54 1.51 1.43 1.4RONW (%) 23.87 26.41 22.02 25.25 20.81 18.51 20.64YEAR 1998 1999 2000 2001 2002 2003 2004

200503 200603 200703 200803 200903 201003 201103 201203

64.87 65.79 66.08 65.28 66.64 72.44 76.02 78.0657.99 51.81 47.51 47.29 44.43 37.85 34.45 36.99

7.78 6.46 6.75 10.43 10.71 9.35 10.79 8.8142.53 43.11 47.83 48.32 54.56 48.14 47.09 54.9319.12 21.33 19.35 18.42 17.53 19.76 17.87 16.1230.46 31.3 30.29 30.21 28.85 29.47 29.48 26.41

6.59 7.16 8.06 9.01 10.32 7.97 7.97 8.872.8 3.08 3.86 4.35 5.63 3.84 3.75 4.87

3.79 4.07 4.21 4.66 4.69 4.13 4.22 41.56 1.94 1.93 2.03 2.19 1.96 1.73 1.72.48 2.85 3.03 3.34 3.61 2.93 2.86 2.792.86 3.16 3.11 3.35 3.27 3.17 3.09 2.911.42 1.39 1.38 1.42 1.42 1.45 1.57 1.68

18.46 17.74 19.46 17.74 16.91 16.12 16.74 18.692005 2006 2007 2008 2009 2010 2011 2012

FINANCE - CASH FLOW - HDFC Bank (Curr: Rs in Cr.)COMPANY/FINANCE/CASH FLOW/4987/HDFC Bank

199803 199903 200003 200103 200203 Cash Flow Summary Cash and Cash Equivalents at Beginning of the year 263.24 541.09 539.51 1617.64 2622.41 Net Cash from Operating Activities 203.21 23.96 729.81 1101.46 259.55 Net Cash Used in Investing Activities -25.36 -38.54 -65.83 -114.92 -160.67 Net Cash Used in Financing Activities 100 13 414.15 18.23 736.9 Net Inc/(Dec) in Cash and Cash Equivalent 277.85 -1.58 1078.13 1004.77 835.78 Cash and Cash Equivalents at End of the year 541.09 539.51 1617.64 2622.41 3458.19 Year 1998 1999 2000 2001 2002

200303 200403 200503 200603 200703 200803 200903 201003 201103 201203

3458.19 2311.85 3194.36 3741 6173.73 9046.65 14778.34 17506.62 29942.4 29668.83-759.51 747.34 -348.06 1724.76 574.33 2723.13 -1736.14 9389.89 -375.83 -11355.61-251.74 -211.91 -243.33 -381.97 -311.4 -619.78 1499.76 -553.02 -1125.73 -661.68

-52.46 347.08 1138.03 1104.87 1637.88 3628.34 2964.66 3598.91 1227.99 3286.19-1063.71 882.51 546.64 2447.66 1900.81 5731.69 2728.28 12435.78 -273.57 -8731.12394.48 3194.36 3741 6188.66 8074.54 14778.34 17506.62 29942.4 29668.83 20937.73

2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - FUNDS FLOW - Actual - HDFC Bank (Curr: Rs in Cr.)COMPANY/FINANCE/FUNDS FLOW/4987/HDFC Bank

199803 199903 200003 200103 200203 200303Sources of funds

Cash Profit 76.23 99.61 183.4 264.41 368.83 483.32 Increase in Equity 0 0 43.28 0.32 37.77 0.68 Other Increases in other Networth 0 0 281.66 0 764.72 0 Increase in Deposits 912.67 723.37 5512.61 3230.39 5995.7 4722.26 Increase in Borrowing 0 428.18 995.86 0 590.12 261.63 Increase in other Liabilities and Provisions 105.48 314.63 385.12 715.07 586.77 1376.9 Decrease in cash and bank balances 0 0 0 0 0 0 Decrease in money at call 0 81.13 0 0 0 1159.76 Decrease In advances 0 0 0 0 0 0 Decrease in investments 0 0 0 0 0 0 Decrease in Fixed assets 0 0 0 0 0 0 Other assets 0 0 0 0 0 0Total Inflow 1094.38 1646.92 7401.93 4210.19 8343.91 8004.55


Cash Loss 0 0 0 0 0 0 Decrease in networth 2 2.6 0 0.15 0 0.68 Decrease in deposits 0 0 0 0 0 0 Decrease in borrowings 44.58 0 0 145.84 0 0 Decrease in other liabilities and provisions 0 0 0 0 0 0 Increase in cash and bank balances 33.85 79.55 558.17 136.53 224.82 870.79 Increase in money at call 244 0 519.96 868.24 610.96 0 Increase in advances 266.72 558.58 1961.71 1274.39 2177.06 4941.14 Increase in investments 391.61 782.47 3844.48 1396.86 4858.88 1384.06 Increase in fixed assets 24.72 38.45 168.57 107.27 153.15 253.2 Increase in other assets 66.9 159.27 316.65 232.19 248.7 469.63 Dividend 20 26 32.39 48.72 70.34 85.05Total Outflow 1094.38 1646.92 7401.93 4210.19 8343.91 8004.55Year 1998 1999 2000 2001 2002 2003

200403 200503 200603 200703 200803 200903 201003 201103 201203

628.39 803.33 1022.98 1357.95 1851.19 3282.96 3283.97 4414.79 5676.582.74 25.09 3.26 6.25 35.04 70.95 32.36 7.49 4.11

34.86 1277.39 77.87 209.49 3740.12 1664.99 4037.98 690.51 383.298032.79 5945.39 19442.57 12501.12 32470.65 42042.99 24592.86 41181.97 38120.03

23.17 2482.19 0 0 1779.53 4568.72 3752.05 1478.37 9452.453394.52 0 3790.17 4140.77 2617.45 0 4383.56 8354.77 8424.84

0 0 0 0 0 0 0 0 10109.7278.36 0 0 0 1746.24 0 0 9891.09 0

0 0 0 0 0 0 0 0 00 13.65 0 0 0 0 209.93 0 00 0 0 0 0 0 0 0 0

537.49 0 0 0 0 0 391.25 0 012732.32 10547.04 24336.85 18215.58 44240.22 51630.61 40683.96 66018.99 72171.02

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 00 0 1931.53 43.09 0 0 0 0 00 1129.55 0 0 0 59.55 0 0 0

460.02 108.15 656.48 1768.64 7477.93 974.03 1956.08 9617.53 00 814.97 1788.52 359.01 0 1754.25 10479.7 0 1378.61

5989.65 7821.79 9494.96 11883.52 16482.12 35456.15 26947.54 34152.08 35437.365975.38 0 9044.15 2170.84 18828.73 9424.02 0 12321.74 26553.55

207.22 229.18 298.96 328.09 469.41 1569.66 751.35 536.23 686.030 303.33 950.02 1438.82 680.76 1967.57 0 8623.79 7106.39

100.05 140.07 172.23 223.57 301.27 425.38 549.29 767.62 1009.0812732.32 10547.04 24336.85 18215.58 44240.22 51630.61 40683.96 66018.99 72171.02

2004 2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - PROFIT AND LOSS - HDFC Bank (Curr: Rs in Cr.)COMPANY/FINANCE/PROFIT AND LOSS/4987/HDFC Bank


Total 302.91 444.15 805.32


Total 239.76 361.75 685.28

III. Profit & Loss Reported Net Profit 63.15 82.4 120.04 Extraordinary Items -0.07 0.01 -0.06 Adjusted Net Profit 63.22 82.39 120.1 Prior Year Adjustments 0 0 83.42 Profit brought forward 29.63 54.99 88.19 IV. Appropriations Transfer to Statutory Reserve 15.79 20.6 30.01 Transfer to Other Reserves 0 0 0.59 Trans. to Government /Proposed Dividend 22 28.6 36.21 Balance carried forward to Balance Sheet 54.99 88.19 224.84


200103 (12) 200203 (12) 200303 (12) 200403 (12) 200503 (12) 200603 (12) 200703 (12) 200803 (12)

1259.46 1702.99 2013.61 2548.93 3093.49 4475.34 6647.93 10115186.87 334.06 467.68 491.39 731.08 1213.64 1594.59 2283.15

1446.33 2037.05 2481.29 3040.32 3824.57 5688.98 8242.52 12398.15

753.75 1073.74 1191.96 1211.05 1315.56 1929.5 3179.45 4887.1178 109.24 151.95 204.09 276.67 486.82 776.86 1301.35

147.99 174.87 232.87 335.91 431.92 750.19 856.26 1135.453.94 69.02 106.14 125.72 144.07 178.59 219.6 271.7197.59 184.8 227.52 444.59 677.41 1090.37 1571.6 2521.93

104.94 142.72 172.26 242.71 333.89 359.56 581.88 866.250 0 0 0 0 11 12 16.780 -14.38 10.99 -33.25 -20.51 12.17 -96.58 -192.58

1236.21 1740.01 2093.69 2530.82 3159.01 4818.2 7101.07 10807.95

210.12 297.04 387.6 509.5 665.56 870.78 1141.45 1590.2-0.4 -0.54 0.73 -0.3 0.14 0.19 -0.68 0.43

210.52 297.58 386.87 509.8 665.42 870.59 1142.13 1589.770 0 0 0 0 0 0 0

224.84 329.8 190.38 356.13 405.32 602.34 1455.02 1932.03

52.53 74.26 96.9 127.38 166.39 217.7 285.36 397.55-1.06 291.86 29.02 220.06 142.44 -395.99 117.16 197.5253.69 70.34 95.93 112.87 159.71 196.39 261.92 352.53329.8 190.38 356.13 405.32 602.34 1455.02 1932.03 2574.63

20 25 30 35 45 55 70 858.42 10.56 13.36 17.44 20.84 27.04 34.55 43.421.68 2.11 2.67 3.49 4.17 5.41 6.91 8.68

37.48 69.03 79.59 94.52 145.86 169.24 201.42 324.397.5 13.81 15.92 18.9 29.17 33.85 40.28 64.88

200903 (12) 201003 (12) 201103 (12) 201203 (12)

16332.26 16172.72 19928.21 27286.353470.64 3983.11 4335.15 5243.7

19802.9 20155.83 24263.36 32530.05

8911.1 7786.3 9385.08 14989.582238.2 2289.18 2836.04 3399.91

1580.24 1783.23 2048.46 2349.09359.91 394.39 497.41 542.523414.2 3613.59 3677.71 3735.79

1054.31 1365.67 2237.46 2606.250 0 0 00 -25.23 -345.2 -260.18

17557.96 17207.13 20336.96 27362.96

2244.94 2948.7 3926.4 5167.092.85 2.74 -0.5 0.99

2242.09 2945.96 3926.9 5166.10 0 0 0

2574.63 3455.57 4532.79 6174.24

561.23 737.18 981.6 1291.77304.51 492.84 408.55 475.01498.26 641.46 894.8 1174.9

3455.57 4532.79 6174.24 8399.65

100 120 165 21551.08 62.43 81.72 21.3210.22 12.49 16.34 21.32

344.31 470.13 545.46 127.5268.86 94.03 109.09 127.52

FINANCE - BALANCE SHEET - HDFC Bank (Curr: Rs in Cr.)COMPANY/FINANCE/BALANCE SHEET/4987/HDFC Bank

199803 199903 200003 200103 200203 SOURCES OF FUNDS : Capital 200 200 243.28 243.6 281.37 Reserves Total 85.13 138.93 508.24 669.49 1660.91 Equity Share Warrants 0 0 0 0 0 Equity Application Money 0 0 0 0 0 Deposits 2191.74 2915.11 8427.72 11658.11 17653.81 Borrowings 154.7 582.88 1578.74 1432.9 2023.02 Other Liabilities & Provisions 198.41 513.04 898.16 1613.23 2200 Others 0 0 0 0 0



TOTAL ASSETS 2829.98 4349.96 11656.14 15617.33 23819.11


200303 200403 200503 200603 200703 200803 200903 201003

282.05 284.79 309.88 313.14 319.39 354.43 425.38 457.741962.78 2407.09 4209.97 4986.39 6113.76 11142.81 14220.95 21061.84

0 0 0 0 0 0 400.92 00 0 0 0 0 0 5.49 2.91

22376.07 30408.86 36354.25 55796.82 68297.94 100768.59 142811.58 167404.442284.65 2307.82 4790.01 2858.48 2815.39 4594.92 9163.64 12915.69

3576.9 6971.42 5841.87 9632.04 13772.81 16390.26 16330.71 20714.270 0 0 0 0 0 0 0

30482.45 42379.98 51505.98 73586.87 91319.29 133251.01 183358.67 222556.89

2081.96 2541.98 2650.13 3306.61 5075.25 12553.18 13527.21 15483.291087.26 1008.9 1823.87 3612.39 3971.4 2225.16 3979.41 14459.11

13388.08 19363.46 19349.81 28393.96 30564.8 49393.53 58817.55 58607.6211754.86 17744.51 25566.3 35061.26 46944.78 63426.9 98883.05 125830.59

528.58 616.91 708.32 855.08 966.67 1175.09 1706.73 2122.811641.71 1104.22 1407.55 2357.57 3796.39 4477.15 6444.72 6053.47

0 0 0 0 0 0 0 00 0 0 0 0 0 0 0

30482.45 42379.98 51505.98 73586.87 91319.29 133251.01 183358.67 222556.89

41559.85 82116.17 140777.15 214782.34 328148.24 593008.08 405981.69 479051.51761.39 2097.89 2549.68 2828.89 4606.83 6920.71 8552.24 8124.87

201103 201203

465.23 469.3424911.13 29455.04

0 02.91 0.3

208586.41 246706.4414394.06 23846.5129069.04 37493.88

0 0

277428.78 337971.51

25100.82 14991.14568.02 5946.63

70929.36 97482.91159982.67 195420.03

2170.65 2347.1914677.26 21783.65

0 00 0

277428.78 337971.51

575122.49 865292.8213428.49 18692.5

GENERAL - BACKGROUND - HDFC BankCOMPANY/GENERAL/BACKGROUND/4987/HDFC Bank

Registered AddressHDFC Bank House

Senapati Bapat Mrg Lower ParelMumbai - 400013 - Maharashtra

Tel. 91-22-66521000Fax. 91-22-24960737

[email protected]://www.hdfcbank.com

ProfileGroup : HDFCSector : BanksIndustry : Banks - Private SectorChairman : C M VasudevAuditors : BSR & CoSecretary : Sanjay DongreInc. Year : 1994Inc. Date : 8/30/1994AGM Date : 13/07/2012Financial Year : MarBook Closure : Jul

ListingLuxembourg Mumbai

Registrar & Transfer AgentsDatamatics Financial Services

Plot No B-5 MIDC, Part B Cross Lane, Marol Andheri(E), Mumbai-400093

Head OfficeHDFC Bank House

Senapati Bapat Mrg Lower ParelMumbai - 400013 - Maharashtra

Tel. 91-22-66521000Fax. 91-22-24960737

[email protected]://www.hdfcbank.com

Profile Stock Data4-HI BSE Code : 500180

BSE Group : A6-00000034 NSE Symbol : HDFCBANK

ISIN Demat : INE040A010265671 Reuters : HDBK.BO

Bloomberg : HDFCB IN Par Value(Rs) 1:59 Tot. Employees : 66076 NIC Activity : Monetary intermediation of commercial banks, savin NIC Code : 65191 No. of Branches 2543:59:00 No. of ATMs 8912:59:00

ListingNSE New York

RATIOS - KEY FINANCIAL RATIOS - Dhanlaxmi BankCOMPANY/RATIOS/KEY FINANCIAL RATIOS/5523/Dhanlaxmi Bank

199703 199803 199903 200003 200103 200203 200303Key RatiosCredit-Deposit(%) 56.7 52.52 50.72 52.4 57.22 57.04 57.17Investment / Deposit (%) 28.03 30.96 34.34 37.58 38.83 38.45 37.95Cash / Deposit (%) 13.54 10.48 11.66 11.34 8.23 6.57 6.56Interest Expended / Interest Earned (%) 77.17 75.85 79.04 75.64 77.57 76.55 71.85Other Income / Total Income (%) 9.01 10.62 8.62 13.29 12.78 24.5 27.05Operating Expenses / Total Income (%) 17.76 18.68 19.23 18.24 20.17 21.11 23.09Interest Income / Total Funds (%) 12.14 11.11 11.1 10.97 10.77 10.11 9.47Interest Expended / Total Funds (%) 9.37 8.43 8.78 8.3 8.35 7.74 6.8Net Interest Income / Total Funds (%) 2.77 2.68 2.33 2.67 2.42 2.37 2.67Non Interest Income / Total Funds (%) 1.2 1.32 1.05 1.68 1.58 3.28 3.51Operating Expenses / Total Funds (%) 2.37 2.32 2.34 2.31 2.49 2.83 3Profit before Provisions / Total Funds (%) 1.6 1.68 1.04 2.05 1.5 2.82 3.18Net Profit / Total funds (%) 0.77 0.7 0.3 0.76 0.41 0.56 0.75RONW (%) 18.49 14.26 5.93 16.08 8.91 12.35 14.63YEAR 1997 1998 1999 2000 2001 2002 2003

200403 200503 200603 200703 200803 200903 201003 201103

55.57 56.71 61.67 61.05 58.82 61.77 67.97 71.6939.31 35.66 30.52 29.25 28.97 30.81 29.79 28.87

6.8 7.73 7.8 7.59 9.03 8.73 8.35 7.2163.69 61.96 60.46 60.27 68.33 70.22 73.71 70.7523.55 10.13 11.98 11.84 11.86 16.62 14.55 13.9424.25 35.69 36.84 33.16 27.23 23.08 30.83 32.71

8.39 7.55 7.64 7.89 8.35 8.44 7.79 8.115.34 4.68 4.62 4.75 5.71 5.93 5.74 5.743.05 2.87 3.02 3.13 2.65 2.51 2.05 2.372.58 0.85 1.04 1.06 1.12 1.68 1.33 1.312.66 3 3.2 2.97 2.58 2.34 2.81 3.082.97 0.72 0.86 1.23 1.19 1.86 0.56 0.60.77 -0.85 0.35 0.51 0.76 1.19 0.34 0.23

13.74 0 7.66 11.46 17.81 19.26 5.39 4.062004 2005 2006 2007 2008 2009 2010 2011

FINANCE - CASH FLOW - Dhanlaxmi Bank (Curr: Rs in Cr.)COMPANY/FINANCE/CASH FLOW/5523/Dhanlaxmi Bank

199703 199803 199903 200003 200103 Cash Flow Summary Cash and Cash Equivalents at Beginning of the year 146.46 277.65 223.31 278.77 177.53 Net Cash from Operating Activities 121.71 -52.52 57.27 -90.58 -4.33 Net Cash Used in Investing Activities -3.98 -3.24 -1.25 -7.03 -10.03 Net Cash Used in Financing Activities 13.46 1.42 -0.56 -3.63 -2.3 Net Inc/(Dec) in Cash and Cash Equivalent 131.19 -54.34 55.46 -101.24 -16.66 Cash and Cash Equivalents at End of the year 277.65 223.31 278.77 177.53 160.87 Year 1997 1998 1999 2000 2001

200203 200303 200403 200503 200603 200703 200803 200903 201003 201103

160.87 181.3 225.16 269.68 340.14 308.78 605.07 692.44 686.07 750.334.11 48.31 32.18 62.39 -18.05 291.92 92.76 -190.96 -0.18 -128.69

-6.34 -5.14 -7.29 -11.64 -11.47 -5.22 -5.39 -7.14 -43.06 -70.1822.67 0.69 19.63 19.71 -1.84 9.59 0 191.73 107.5 383.720.44 43.86 44.52 70.46 -31.36 296.29 87.37 -6.37 64.26 184.83

181.31 225.16 269.68 340.14 308.78 605.07 692.44 686.07 750.33 935.162002 2003 2004 2005 2006 2007 2008 2009 2010 2011

FINANCE - FUNDS FLOW - Actual - Dhanlaxmi Bank (Curr: Rs in Cr.)COMPANY/FINANCE/FUNDS FLOW/5523/Dhanlaxmi Bank

199703 199803 199903 200003 200103 200203 200303Sources of funds

Cash Profit 9.68 10.95 6.14 13.5 9.03 13.29 19.89 Increase in Equity 5 0.77 0.15 0 0 0 18.32 Other Increases in other Networth 12.86 4.62 0 0 0.72 1.49 6.95 Increase in Deposits 369.6 0 195.65 164.72 93.68 162.9 180.65 Increase in Borrowing 0 0 0 15.62 0 0 19.81 Increase in other Liabilities and Provisions 0 4.99 0 25.38 15.12 33.38 0 Decrease in cash and bank balances 0 24.47 0 34.47 26.2 4.92 0 Decrease in money at call 0 29.86 12.58 66.78 0 0 0 Decrease In advances 0 13.15 0 0 0 0 0 Decrease in investments 0 0 0 0 3.25 0 0 Decrease in Fixed assets 0 0 0 0 0 0 0 Other assets 0 21.76 0 0 0 0 11.73Total Inflow 397.14 110.57 214.52 320.47 148 215.98 257.35


Cash Loss 0 0 0 0 0 0 0 Decrease in networth 0 0 0.13 0.92 0.92 0 0 Decrease in deposits 0 36.04 0 0 0 0 0 Decrease in borrowings 1.12 13.87 0.23 0 12.57 8.92 0 Decrease in other liabilities and provisions 6.26 0 1.14 0 0 0 17.13 Increase in cash and bank balances 4.94 0 68.05 0 0 0 26.88 Increase in money at call 126.25 0 0 0 9.54 25.35 16.98 Increase in advances 113.82 0 55.97 171.08 103.78 37.62 162.78 Increase in investments 101.6 53.83 72.7 136.47 0 90.86 23.75 Increase in fixed assets 4.06 3.25 1.25 7.02 9.64 6.15 5.02 Increase in other assets 35.39 0 13.58 2.05 9.25 42.27 0 Dividend 3.7 3.58 1.47 2.93 2.3 4.81 4.81Total Outflow 397.14 110.57 214.52 320.47 148 215.98 257.35Year 1997 1998 1999 2000 2001 2002 2003

200403 200503 200603 200703 200803 200903 201003 201103

22.38 0 16.84 24.96 36.53 65.25 34.63 36.070 0 0 0 0 32.06 0 21.020 1.65 13.01 0.05 2.81 169.14 0 361.74

317.88 183.07 193.83 555.29 520.46 1360.39 2129.67 5431.150 1.91 0 4.81 0 0 317.55 308.56

41.91 34.08 0 25.31 40.09 0.54 0 39.680 0 28.03 0 0 0 0 00 0 3.33 0 15.98 47.3 153.64 5.070 0 0 0 0 0 0 00 186.86 0 0 0 0 0 00 0 0 0 0 0 0 00 0 36.46 23 0 0 0 0

382.17 407.57 291.5 633.42 615.87 1674.68 2635.49 6203.29

0 17.13 0 0 0 0 0 00.58 0 0 0 0 0 4.49 0

0 0 0 0 0 0 0 033.98 0 5.65 0 0.99 4 0 0

0 0 3.48 0 0 0 18.8 015.46 60.56 0 74.71 103.35 40.92 217.91 189.929.05 9.91 0 221.58 0 0 0 0

58.1 271.56 184.19 242.72 264.97 1094.03 1810.2 4058.89219.8 0 70.97 86.22 209.87 492.3 460.43 1611.89

7.3 9.86 24.96 4.98 5.59 6.93 44.59 64.914.69 38.55 0 0 24.69 30.09 75.86 273.45

3.21 0 2.25 3.21 6.41 6.41 3.21 4.26382.17 407.57 291.5 633.42 615.87 1674.68 2635.49 6203.29

2004 2005 2006 2007 2008 2009 2010 2011

FINANCE - PROFIT AND LOSS - Dhanlaxmi Bank (Curr: Rs in Cr.)COMPANY/FINANCE/PROFIT AND LOSS/5523/Dhanlaxmi Bank


Total 137 149.4 155.82


Total 129.09 141 151.95

III. Profit & Loss Reported Net Profit 7.91 8.4 3.87 Extraordinary Items 0.01 0.01 0.01 Adjusted Net Profit 7.9 8.39 3.86 Prior Year Adjustments 0 0 0 Profit brought forward 0.02 0.02 0.02 IV. Appropriations Transfer to Statutory Reserve 2.38 2.52 1.16 Transfer to Other Reserves 1.46 1.94 1.1 Trans. to Government /Proposed Dividend 4.07 3.94 1.63 Balance carried forward to Balance Sheet 0.02 0.02 0


200003 (12) 200103 (12) 200203 (12) 200303 (12) 200403 (12) 200503 (12) 200603 (12) 200703 (12)

163.15 177.05 181.1 189.22 191.07 192.16 209.89 248.525.01 25.94 58.76 70.16 58.86 21.65 28.58 33.37

188.16 202.99 239.86 259.38 249.93 213.81 238.47 281.87

123.41 137.33 138.63 135.96 121.69 119.06 126.89 149.7722.46 27.65 34.02 39.36 38.37 39.42 41.82 43.71

7.22 8.61 8.94 10.69 12.4 15.75 20.5 21.032.01 2.44 3.23 4.67 4.73 6.09 7.15 8.8216.6 17.69 38.98 44.42 43.41 64.17 26.64 31.225.18 2.5 6.4 9.8 12.75 0.04 0.25 4.3

0 0 0 0 0 0 0.8 0.310 0 -0.41 -0.54 -0.9 -9.12 4.9 6.57

176.88 196.22 229.79 244.36 232.45 235.41 228.95 265.73

11.28 6.77 10.07 15.02 17.48 -21.6 9.52 16.140 0 0.03 0.12 0.02 0.32 0 0.02

11.28 6.77 10.04 14.9 17.46 -21.92 9.52 16.120 0 0 2.74 0 0 0 0.730 0 0.01 0.01 0.01 0.01 -11.34 0.01

3.48 2.03 3.02 4.5 5.24 0 2.86 4.844.15 2.43 2.24 7.83 8.62 -10.25 -7.25 8.373.65 2.3 4.81 5.43 3.62 0 2.56 3.66

0 0.01 0.01 0.01 0.01 -11.34 0.01 0.01

20 15 15 15 10 0 7 107.2 4.93 7.33 4.49 5.32 0 2.87 4.89

5.01 3.43 5.28 3.24 3.84 0 2.07 3.5250.4 56.88 61.79 37.55 41.82 35.6 41.92 45.97

35.09 39.6 44.53 27.07 30.15 25.66 30.22 33.13

200803 (12) 200903 (12) 201003 (12) 201103 (12)

312.48 408.42 534.57 906.4242.04 81.43 90.99 146.77

354.52 489.85 625.56 1053.19

213.51 286.8 394.02 641.2947.37 62.56 109.08 201.4721.81 25.39 38.56 80.51

8.06 7.55 10.31 15.5925.13 27.93 45.85 74.6110.14 22.21 5.12 16.62

0.28 0.37 0 0-0.24 -0.41 -0.68 -2.96

326.06 432.4 602.26 1027.13

28.46 57.45 23.3 26.060 0.13 0.58 0.3

28.46 57.32 22.72 25.763.7 3.75 0 0

0.01 0.01 0.01 0.01

8.54 17.24 6.99 7.8216.12 36.46 8.81 17.01

7.5 7.5 7.5 1.230.01 0.01 0.01 0.01

5 10 5 58.54 8.79 3.55 2.988.54 8.79 3.55 2.98

53.72 66.2 68.63 99.2153.72 66.2 68.63 99.21

FINANCE - BALANCE SHEET - Dhanlaxmi Bank (Curr: Rs in Cr.)COMPANY/FINANCE/BALANCE SHEET/5523/Dhanlaxmi Bank

199703 199803 199903 200003 200103 200203 SOURCES OF FUNDS : Capital 13.74 14.51 14.66 14.66 13.74 13.74 Reserves Total 40.08 49.52 51.79 59.22 64.41 71.16 Equity Share Warrants 0 0 0 0 0 0 Equity Application Money 0 0 0 0 0 0 Deposits 1076.33 1040.29 1235.94 1400.66 1494.34 1657.24 Borrowings 38.06 24.19 23.96 39.58 27.01 18.09 Other Liabilities & Provisions 50.64 55.63 54.49 79.87 94.99 128.37 Others 0 0 0 0 0 0



TOTAL ASSETS 1218.85 1184.14 1380.84 1593.99 1694.49 1888.6


200303 200403 200503 200603 200703 200803 200903 201003 201103

32.06 32.06 32.06 32.06 32.06 32.06 64.12 64.12 85.1488.32 102.01 82.06 102.34 115.32 140.18 360.36 375.96 759.5

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

1837.89 2155.77 2338.84 2532.67 3087.96 3608.42 4968.81 7098.48 12529.6337.9 3.92 5.83 0.18 4.99 4 0 317.55 626.11

111.24 153.15 187.23 183.75 209.06 249.15 249.69 230.89 270.570 0 0 0 0 0 0 0 0

2107.41 2446.91 2646.02 2851 3449.39 4033.81 5642.98 8087 14270.95

128.02 143.48 204.04 176.01 250.72 354.07 394.99 612.9 802.897.14 126.19 136.1 132.77 354.35 338.37 291.07 137.43 132.36

675.06 894.86 708 778.97 865.19 1075.06 1567.36 2027.79 3639.681080.49 1138.59 1410.15 1594.34 1837.06 2102.03 3196.06 5006.26 9065.15

27.97 30.37 35.76 53.4 49.56 47.08 46.21 79.47 134.3698.73 113.42 151.97 115.51 92.51 117.2 147.29 223.15 496.6

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

2107.41 2446.91 2646.02 2851 3449.39 4033.81 5642.98 8087 14270.95

412.46 506.26 236.83 448.86 379.98 275.6 249.53 557.53 3250.8561.99 80.17 97.87 75.57 66.56 87.36 53.7 55.24 180.65

GENERAL - BACKGROUND - Dhanlaxmi BankCOMPANY/GENERAL/BACKGROUND/5523/Dhanlaxmi Bank

Registered AddressPB NO 9 Dhanalakshmi Buildings

NaickanalThrissur - 680001 - Kerala

Tel. 91-487-2335177/04/31/90/6617000Fax. 91-487-2335580/2335367/6617222

[email protected]/[email protected]://www.dhanbank.com

ProfileGroupSectorIndustryChairmanAuditorsSecretaryInc. YearInc. DateAGM DateFinancial YearBook Closure

ListingMumbai



Registered Address Head OfficePB NO 9 Dhanalakshmi Buildings

NaickanalThrissur - 680001 - Kerala

Tel. 91-487-2335177/04/31/90/6617000Fax. 91-487-2335580/2335367/6617222

[email protected]/[email protected]://www.dhanbank.com

Profile Stock Data: Indian Private 4-IP BSE Code: Banks BSE Group: Banks - Private Sector 6-00000034 NSE Symbol: G N Bajpai ISIN Demat: Walker Chandiok & Co/Sharp & Tannan Reuters: Bloomberg: 1927 Par Value(Rs): 11/14/1927 Tot. Employees: 22/06/2011 NIC Activity: Mar NIC Code: Jun No. of Branches

No. of ATMs

ListingKochi NSE

Head Office

Stock Data : 532180 : B : DHANBANK : INE680A01011 : DNBK.BO : DHLBK IN9:594259:59:00 : Monetary intermediation of commercial banks, savin : 65191274:59:00458:59:00

RATIOS - KEY FINANCIAL RATIOS - Axis BankCOMPANY/RATIOS/KEY FINANCIAL RATIOS/5554/Axis Bank

199803 199903 200003 200103 200203 200303 200403Key RatiosCredit-Deposit(%) 55.96 65.79 64.79 56.22 47.59 42.84 43.63Investment / Deposit (%) 36.09 35.91 36.14 42.25 46.17 46.22 41.23Cash / Deposit (%) 10.84 10.76 8.44 8.66 9.38 9.31 14.18Interest Expended / Interest Earned (%) 86.93 80.54 81.29 88.95 83.15 77.99 63.9Other Income / Total Income (%) 19.24 12 15.99 15.66 26.13 21.95 25.31Operating Expenses / Total Income (%) 12.56 12.07 11.41 12.22 13.03 17.28 19.66Interest Income / Total Funds (%) 10.49 10.53 9.13 10.21 9.37 8.62 7.31Interest Expended / Total Funds (%) 9.12 8.48 7.42 9.08 7.79 6.72 4.67Net Interest Income / Total Funds (%) 1.37 2.05 1.71 1.13 1.58 1.9 2.64Non Interest Income / Total Funds (%) 2.5 1.44 1.74 1.9 3.32 2.42 2.48Operating Expenses / Total Funds (%) 1.63 1.44 1.24 1.48 1.65 1.91 1.92Profit before Provisions / Total Funds (%) 2.24 2.04 2.21 1.54 3.24 2.41 3.19Net Profit / Total funds (%) 0.68 0.88 0.96 0.99 1.07 1.13 1.27RONW (%) 10.95 17 22.86 31.84 29.28 25.07 27.09YEAR 1998 1999 2000 2001 2002 2003 2004

200503 200603 200703 200803 200903 201003 201103 201203

47.4 52.79 59.85 65.94 68.89 71.87 74.65 76.2643.37 50.92 48.96 41.39 39.04 39.55 38.71 40.3513.72 8.18 7.17 8.17 8.16 7.31 7.07 6.01

62 62.68 67.09 63.09 65.98 57 56.69 63.5518.38 20.21 18.5 20.54 21.56 25.32 23.41 19.7725.24 22.53 22.24 24.62 20.75 23.8 24.15 21.91

6.21 6.6 7.25 7.66 8.42 7.09 7.16 8.333.85 4.13 4.86 4.83 5.56 4.04 4.06 5.292.36 2.46 2.39 2.83 2.86 3.05 3.1 3.03

1.4 1.67 1.65 1.98 2.31 2.4 2.19 2.051.92 1.86 1.98 2.37 2.23 2.26 2.26 2.271.84 2.27 2.05 2.43 2.95 3.19 3.03 2.811.08 1.11 1.07 1.17 1.41 1.53 1.6 1.61

18.88 18.37 21.04 17.61 19.13 19.15 19.34 20.292005 2006 2007 2008 2009 2010 2011 2012

FINANCE - CASH FLOW - Axis Bank (Curr: Rs in Cr.)COMPANY/FINANCE/CASH FLOW/5554/Axis Bank

199903 200003 200103 200203 200303 Cash Flow Summary Cash and Cash Equivalents at Beginning of the year 436.21 495.99 892.94 1727.44 2703.32 Net Cash from Operating Activities 45.05 438.75 457.96 166.02 1751.17 Net Cash Used in Investing Activities -18.39 -28.21 -171.55 480.69 -1208.03 Net Cash Used in Financing Activities 33.12 -13.59 32.43 329.17 323.25 Net Inc/(Dec) in Cash and Cash Equivalent 59.78 396.95 318.84 975.88 866.39 Cash and Cash Equivalents at End of the year 495.99 892.94 1211.78 2703.32 3569.71 Year 1999 2000 2001 2002 2003

200403 200503 200603 200703 200803 200903 201003 201103 201203

3569.71 4340.32 4502.94 3641.84 6918.31 12504.24 15016.9 15203.91 21408.662177.38 4334.19 240.17 5295.03 5962.66 10562.3 198.08 11425.07 -9826.93-190.94 -5279.8 -2097.47 -3655.57 -4702.52 -9741.96 -5143.39 -13990.01 -4918.18107.06 1108.23 996.2 1637.01 4325.79 1692.32 5132.32 8769.69 7270.372093.5 162.62 -861.1 3276.47 5585.93 2512.66 187.01 6204.75 -7474.74

5663.21 4502.94 3641.84 6918.31 12504.24 15016.9 15203.91 21408.66 13933.922004 2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - FUNDS FLOW - Actual - Axis Bank (Curr: Rs in Cr.)COMPANY/FINANCE/FUNDS FLOW/5554/Axis Bank

199803 199903 200003 200103 200203 200303Sources of funds

Cash Profit 25.79 41.16 62.7 94.66 170.6 231.6 Increase in Equity 0 16.9 0 0 59.91 38.38 Other Increases in other Networth 0 12.11 0 0 147.98 120.5 Increase in Deposits 1321.9 310.13 2679.31 3372.2 3195.01 4677.51 Increase in Borrowing 98.84 364.67 10.43 614.99 0 0 Increase in other Liabilities and Provisions 33.93 20.75 30.84 47.81 302.55 482.27 Decrease in cash and bank balances 0 0 0 0 0 0 Decrease in money at call 74.52 0 0 161.55 0 0 Decrease In advances 0 0 0 0 0 0 Decrease in investments 0 0 0 0 0 0 Decrease in Fixed assets 0 0 0 0 0 0 Other assets 0 5.95 0 0 0 0Total Inflow 1554.98 771.67 2783.28 4291.21 3876.05 5550.26


Cash Loss 0 0 0 0 0 0 Decrease in networth 0.57 0 1.61 4.42 0 0 Decrease in deposits 0 0 0 0 0 0 Decrease in borrowings 0 0 0 0 195.71 231 Decrease in other liabilities and provisions 0 0 0 0 0 0 Increase in cash and bank balances 116.43 55.72 62.62 480.39 242.04 476.71 Increase in money at call 0 11.46 334.33 0 1249.5 389.68 Increase in advances 938.09 542.49 1336.83 1314.49 531.19 1827.62 Increase in investments 448.99 129.64 964.13 2127.47 1485.72 2162.68 Increase in fixed assets 20.9 18.77 27.99 158.11 62.46 84.46 Increase in other assets 30 0 39.94 186.54 80.71 330.4 Dividend 0 13.59 15.83 19.79 28.72 47.71Total Outflow 1554.98 771.67 2783.28 4291.21 3876.05 5550.26Year 1998 1999 2000 2001 2002 2003

200403 200503 200603 200703 200803 200903 201003 201103 201203

338.3 411.92 568.44 764.24 1210.8 1951.49 2730.88 3621.73 4461.291.39 42.22 4.89 2.94 76.08 1.3 46.16 5.38 2.65

0 971.63 71.56 0 4442.79 0 3755.33 135.11 225.983989.18 10758.1 8401.53 18672.07 28840.62 29747.89 23926.11 47937.58 30866.5

0 1253.66 899.52 2514.67 428.44 9895.83 1649.68 9098.33 7803.79521.06 366.06 2219.83 1817.29 1671.63 0 1516.07 2075.39 424.81

0 328.19 1019.34 0 0 0 0 0 3183.2483.41 832.07 0 0 0 0 0 0 4291.5

0 0 0 0 0 0 0 0 048.26 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 00 0 393.94 0 0 0 0 0 0

4981.6 14963.85 13579.05 23771.21 36670.36 41596.51 33624.23 62873.52 51259.76

0 0 0 0 0 0 0 0 03.49 0 0 14.19 0 11.35 0 0 0

0 0 0 0 0 0 0 0 0191.56 0 0 0 0 0 0 0 0

0 0 0 0 0 2956.84 0 0 02176.9 0 0 2231.63 2644.63 2113.55 62.83 4404.12 0

0 0 158.24 1044.84 2941.3 399.11 124.17 1800.63 02183.03 6239.97 6711.31 14562.25 22784.67 21895.61 22784.19 38066.88 27351.71

0 7255.26 6479.33 5369.81 6807.94 12625.25 9644.46 16016.81 21200.47189.64 160.62 132.63 210.69 389.43 286.17 365.88 1283.97 205.25179.08 1231.34 0 211.07 887.76 949.62 156.49 726.35 1841.2

57.9 76.66 97.54 126.73 214.63 359.01 486.21 574.76 661.134981.6 14963.85 13579.05 23771.21 36670.36 41596.51 33624.23 62873.52 51259.76

2004 2005 2006 2007 2008 2009 2010 2011 2012

FINANCE - PROFIT AND LOSS - Axis Bank (Curr: Rs in Cr.)COMPANY/FINANCE/PROFIT AND LOSS/5554/Axis Bank


Total 316.51 424.19 575.21


Total 299.92 393.12 524.28

III. Profit & Loss Reported Net Profit 16.59 31.07 50.93 Extraordinary Items -0.6 -0.1 -0.15 Adjusted Net Profit 17.19 31.17 51.08 Prior Year Adjustments -0.56 0.02 0.13 Profit brought forward 20.53 30.71 41.99 IV. Appropriations Transfer to Statutory Reserve 3.21 6.22 22.88 Transfer to Other Reserves 2.64 0 0 Trans. to Government /Proposed Dividend 0 13.59 17.57 Balance carried forward to Balance Sheet 30.71 41.99 52.6


200103 (12) 200203 (12) 200303 (12) 200403 (12) 200503 (12) 200603 (12) 200703 (12) 200803 (12)

889.63 1178.53 1464.81 1598.54 1924.16 2888.79 4461.66 7005.32165.21 416.9 412 541.64 433.24 731.73 1013.02 1810.78

1054.84 1595.43 1876.81 2140.18 2357.4 3620.52 5474.68 8816.1

791.36 980 1142.41 1021.45 1192.98 1810.56 2993.32 4419.9628.52 51.22 85.23 121.25 176.86 240.2 381.35 670.2561.22 91.34 131.93 176.68 247.49 338.11 487.53 755.421.73 36.63 48.91 61.89 81.58 92.19 111.86 158.1147.56 222.87 167.13 329.5 154.79 408.17 504.38 1166.118.33 80.88 114.1 177.57 153.72 296.11 412.6 725.59

0 0 0 0 0 5.83 5.97 9.050 -1.65 -5.08 -26.47 15.4 -55.73 -81.36 -159.39

968.72 1461.29 1684.63 1861.87 2022.82 3135.44 4815.65 7745.07

86.12 134.14 192.18 278.31 334.58 485.08 659.03 1071.03-0.07 -0.5 -0.99 -0.87 -1.54 -1.01 -1.7 -8.4986.19 134.64 193.17 279.18 336.12 486.09 660.73 1079.52

0 2.39 0 0 0 0 -31.81 052.6 74.37 78.64 122.46 182.1 197.41 731.04 1029.07

25.84 33.54 48.05 69.58 83.64 121.27 164.76 267.7614.3 70 52.6 83.78 147.88 -282.37 15.64 26.84

24.21 28.72 47.71 65.31 87.75 112.55 148.79 251.6374.37 78.64 122.46 182.1 197.41 731.04 1029.07 1553.87

15 20 22 25 28 35 45 606.19 6.99 8.35 11.7 11.81 16.87 22.62 28.916.19 6.99 8.35 11.7 11.81 16.87 22.62 28.91

22.85 32.05 39.88 49.07 87.95 103.06 120.49 245.1322.85 32.05 39.88 49.07 87.95 103.06 120.49 245.13

200903 (12) 201003 (12) 201103 (12) 201203 (12)

10835.49 11638.02 15154.81 21994.652977.69 3945.78 4632.13 5420.22

13813.18 15583.8 19786.94 27414.87

7149.28 6633.53 8591.82 13976.9997.66 1255.82 1613.9 2080.17991.58 1261.81 1650.54 1877.57188.67 234.32 289.59 342.24

1700.79 2346.96 2505.43 2850.151095.52 1492.02 1953.03 2256.23

11.41 0 -0.34 0-137.09 -155.19 -205.52 -210.6

11997.82 13069.27 16398.45 23172.66

1815.36 2514.53 3388.49 4242.21-4.97 -2.37 -4.33 13.02

1820.33 2516.9 3392.82 4229.190 0 0 0

1553.87 2348.09 3427.43 4969.77

453.84 628.64 847.12 1060.55146.78 239.1 328.67 51.9420.52 567.45 670.36 770.08

2348.09 3427.43 4969.77 7329.45

100 120 140 16048.85 60.06 80.21 100.0348.85 60.06 80.21 100.03

284.53 395.99 462.77 552284.53 395.99 462.77 552

FINANCE - BALANCE SHEET - Axis Bank (Curr: Rs in Cr.)COMPANY/FINANCE/BALANCE SHEET/5554/Axis Bank

199803 199903 200003 200103 200203 SOURCES OF FUNDS : Capital 115 131.9 131.9 131.9 191.81 Reserves Total 44.56 74.15 107.64 169.55 422.95 Equity Share Warrants 0 0 0 0 0 Equity Application Money 0 0 0 0 0 Deposits 2730.56 3040.69 5720 9092.2 12287.21 Borrowings 155.93 520.6 531.03 1146.02 950.31 Other Liabilities & Provisions 126.82 147.57 178.41 226.22 528.77 Others 0 0 0 0 0


APPLICATION OF FUNDS : Cash & Balances with RBI 282.55 338.27 400.89 881.28 1123.32 Balances with Banks & money at Call 146.26 157.72 492.05 330.5 1580 Investments 971.38 1101.02 2065.15 4192.62 5678.34 Advances 1627.3 2169.79 3506.62 4821.11 5352.3 Fixed Assets 60 68.68 84.9 234.47 260.47 Other Assets 85.38 79.43 119.37 305.91 386.62 Miscellaneous Expenditure not written off 0 0 0 0 0 Others 0 0 0 0 0

TOTAL ASSETS 3172.87 3914.91 6668.98 10765.89 14381.05


200303 200403 200503 200603 200703 200803 200903 201003 201103

230.19 231.58 273.8 278.69 281.63 357.71 359.01 405.17 410.55687.92 904.84 2134.39 2593.49 3111.6 8410.79 9855.79 15639.27 18588.28

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0.17 0

16964.72 20953.9 31712 40113.53 58785.6 87626.22 117374.11 141300.22 189237.8719.31 527.75 1781.41 2680.93 5195.6 5624.04 15519.87 17169.55 26267.88

1011.04 1532.1 1898.16 4117.99 5935.28 7606.91 4650.07 6166.14 8241.530 0 0 0 0 0 0 0 0

19613.18 24150.17 37799.76 49784.63 73309.71 109625.67 147758.85 180680.52 242746.04

1600.03 3776.93 3448.74 2429.4 4661.03 7305.66 9419.21 9482.04 13886.161969.68 1886.27 1054.2 1212.44 2257.28 5198.58 5597.69 5721.86 7522.497841.02 7792.76 15048.02 21527.35 26897.16 33705.1 46330.35 55974.81 71991.627179.92 9362.95 15602.92 22314.23 36876.48 59661.15 81556.76 104340.95 142407.83

305.51 435.16 518.44 567.71 673.19 922.85 1072.89 1222.42 2273.15717.02 896.1 2127.44 1733.5 1944.57 2832.33 3781.95 3938.44 4664.79

0 0 0 0 0 0 0 0 00 0 0 0 0 0 0 0 0

19613.18 24150.17 37799.76 49784.63 73309.71 109625.67 147758.85 180680.52 242746.04

13068.08 37439.67 53185.74 98565.38 184164.75 258895.6 209260.3 318281.2 445391.441072.45 1915.81 3616.98 4332.2 6274.63 8323.39 13957.31 19292.87 32473.11

201203

413.222395.34

00

220104.334071.67

8666.340

285650.85

10702.923230.99

93192.09169759.54

2259.326505.99

00

285650.85

480237.3734634.61

GENERAL - BACKGROUND - Axis BankCOMPANY/GENERAL/BACKGROUND/5554/Axis Bank

Registered AddressTrishul 3rd Floor Law Garden

Ellis BridgeAhmedabad - 380006 - Gujarat

Tel. 91-79-26409322Fax. [email protected]

http://www.axisbank.comProfile

Group : UTI 4-UTSector : BanksIndustry : Banks - Private Sector 6-00000034Chairman : Adarsh KishoreAuditors : Deloitte Haskins & Sells 3744Secretary : P J OzaInc. Year : 1993Inc. Date : 12/3/1993AGM Date : 22/06/2012Financial Year : MarBook Closure : Jun

ListingMumbai NSE London


Plot No 17-24, Vittal Rao Nagar, Madhapur, Hyderabad-500081

Tel. 91-040-4465500, Fax. 91-040-23420814/2342

Head Office

Stock Data BSE Code : 532215 BSE Group : A NSE Symbol : AXISBANK ISIN Demat : INE238A01026 Reuters : AXBK.BO Bloomberg : AXSB IN Par Value(Rs) 9:59 Tot. Employees : 31738 NIC Activity : Monetary intermediation of commercial banks, savin NIC Code : 65191 No. of Branches 1621:59:00 No. of ATMs 9923:59:00

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