Table of content

Chapter No. Particulars Page no.

State bank of India
Financial Analysis
Ratio analysis
STATE AN! "F IN#IA
State ank of India
Industry $anks % Public Sector
Incorporation Year 1955
Chairman Pratip Chaudhuri
Managing Director Hemant G Contractor
Company Secretary -
Auditor B M Chatrath Co! "a#yani$a#a Mi%try
&egi%tered '((ice
State Ban) Bha*an +th ,#oor-
Madame Cama &oad .ariman Point-
Mum/ai- 011121- Mahara%htra
3e#ephone 91-22-22++4+++!2212256+
,a7 91-22-22+5540+
8-mai# gm9%n/:%/i9co9in
;e/%ite http<!!$$$9%/i9co9in
,ace =a#ue >&%? 11
BS8 Code 511112
BS8 Group A
.S8 Code SBI.
B#oom/erg SBI. I.
&euter% SBI9B'
ISI. Demat I.8152A11112
Mar)et @ot 1
@i%ting
Ahmeda/ad-Chennai-De#hi-"o#)ata-@ondon-Mum/ai-
.S8
,inancia# Year 8nd 14
Boo) C#o%ure Month May
AGM Month Aun
&egi%trarB% .ame Addre%%
Datamatic% ,inancia# Ser*ice%- P#ot.o-A-15-16 PartB- Cro%% @ane
MIDC- Maro# Andheri >8a%t?- Mum/ai - 011 1949
91-22-2+2144+4!91!55
91-22-2+45901+

It i% the #arge%t Indian /an)ing and (inancia# %er*ice% company >/y turno*er and tota# a%%et%? $ith it%
headCuarter% in Mum/ai- India9 It i% %tate-o$ned9 3he /an) trace% it% ance%try to Briti%h India-
through the Imperia# Ban) o( India- to the (ounding in 1+15 o( the Ban) o( Ca#cutta- ma)ing it the
o#de%t commercia# /an) in the Indian Su/continent9 Ban) o( Madra% merged into the other t$o
pre%idency /an)%- Ban) o( Ca#cutta and Ban) o( Bom/ay to (orm Imperia# Ban) o( India- $hich in
turn /ecame State Ban) o( India9 3he go*ernment o( India nationa#iDed the Imperia# Ban) o( India in
1955- $ith the &e%er*e Ban) o( India ta)ing a 51E %ta)e- and renamed it the State Ban) o( India9 In
211+- the go*ernment too) o*er the %ta)e he#d /y the &e%er*e Ban) o( India9
SBI pro*ide% a range o( /an)ing product% through it% *a%t net$or) o( /ranche% in India and o*er%ea%-
inc#uding product% aimed at non-re%ident Indian% >.&I%?9 3he State Ban) Group- $ith o*er 15-111
/ranche%- ha% the #arge%t /an)ing /ranch net$or) in India9 SBI ha% 10 @oca# Head '((ice% and 56
Fona# '((ice% that are #ocated at important citie% throughout the country9 It a#%o ha% around 141
/ranche% o*er%ea%9
;ith an a%%et /a%e o( G452 /i##ion and G2+5 /i##ion in depo%it%- SBI i% a regiona# /an)ing /ehemoth
and i% one o( the #arge%t (inancia# in%titution% in the $or#d9 It ha% a mar)et %hare among Indian
commercia# /an)% o( a/out 21E in depo%it% and #oan%9 3 3he State Ban) o( India i% the 29th mo%t
reputed company in the $or#d according to Forbes9 A#%o SBI i% the on#y /an) (eatured in the co*eted
Htop 11 /rand% o( IndiaH #i%t in an annua# %ur*ey conducted /y Brand ,inance and The Economic
Times in 21119 3he State Ban) o( India i% the #arge%t o( the Big ,our /an)% o( India- a#ong $ith ICICI
Ban)- PunIa/ .ationa# Ban) and HD,C Ban)Jit% main competitor%9
&istory of state bank of India$
State Ban) o( India i% the #arge%t %tate-o$ned /an)ing and (inancia# %er*ice% company in India9 3he
Ban) pro*ide% /an)ing %er*ice% to the cu%tomer9 In addition to the /an)ing %er*ice%- the Ban) through
their %u/%idiarie%- pro*ide% a range o( (inancia# %er*ice%- $hich inc#ude #i(e in%urance- merchant
/an)ing- mutua# (und%- credit card- (actoring- %ecurity trading- pen%ion (und management and primary
dea#er%hip in the money mar)et9
3he Ban) operate% in (our /u%ine%% %egment%- name#y 3rea%ury- Corporate! ;ho#e%a#e Ban)ing-
&etai# Ban)ing and 'ther Ban)ing Bu%ine%%9 3he 3rea%ury %egment inc#ude% the in*e%tment port(o#io
and trading in (oreign e7change contract% and deri*ati*e contract%9 3he Corporate! ;ho#e%a#e
Ban)ing %egment compri%e% the #ending acti*itie% o( Corporate Account% Group- Mid Corporate
Account% Group and Stre%%ed A%%et% Management Group9 3he &etai# Ban)ing %egment con%i%t% o(
/ranche% in .ationa# Ban)ing Group- $hich primari#y inc#ude% per%ona# /an)ing acti*itie%- inc#uding
#ending acti*itie% to corporate cu%tomer% ha*ing /an)ing re#ation% $ith /ranche% in the .ationa#
Ban)ing Group9
SBI pro*ide% a range o( /an)ing product% through their *a%t net$or) o( /ranche% in India and
o*er%ea%- inc#uding product% aimed at .&I%9 3he State Ban) Group- $ith o*er 15-111 /ranche%- ha%
the #arge%t /an)ing /ranch net$or) in India9 3he State /an) o( India i% the 11th mo%t reputed
company in the $or#d according to ,or/e%9 3he /an) ha% 155 o*er%ea% o((ice% %pread o*er 42
countrie%9 3hey ha*e /ranche% o( the parent in Co#om/o- Dha)a- ,ran)(urt- Hong "ong-
Aohanne%/urg- @ondon and en*iron%- @o% Ange#e%- Ma#e in the Ma#di*e%- Mu%cat- .e$ Yor)- '%a)a-
Sydney- and 3o)yo9 3hey ha*e o((%hore /an)ing unit% in the Bahama%- Bahrain- and Singapore- and
repre%entati*e o((ice% in Bhutan and Cape 3o$n9
State Ban) o( India $a% incorporated in the year 19559 3he Ban) trace% their ance%try to Briti%h
India- through the Imperia# Ban) o( India- to the (ounding in 1+15 o( the Ban) o( Ca#cutta- ma)ing
them the o#de%t commercia# /an) in the Indian Su/-continent9 3he Go*ernment o( India nationa#iDed
the Imperia# Ban) o( India in the year 1955- $ith the &e%er*e Ban) o( India ta)ing a 51E %ta)e- and
name $a% changed to State Ban) o( India9
In the year 2111- the SBI @i(e In%urance Company $a% %tarted /y the Ban)9 3hey are the on#y Ban)
that ha*e /een permitted 60E %ta)e in the in%urance /u%ine%%9 3he Ban)B% in%urance %u/%idiary BSBI
@i(e In%urance CompanyB i% a Ioint *enture $ith Cardi( S9A in $hich Cardi( ho#d% 25E o( the %ta)e9
During the year 2115-15- the /an) introduced BSBI e-ta7B an on#ine ta7 payment% (aci#ity (or direct
and indirect ta7 payment9 3hey a#%o #aunched the centra#iDed pen%ion proce%%ing9 3he Ban) made a
partner%hip $ith 3ata Con%u#tancy Ser*ice% (or %etup C-8dg 3echno#ogie% and con%u#ting %er*ice% to
the /an)ing- (inancia# %er*ice% and in%urance indu%try9 3he /an) $a% noted a% B3he mo%t pre(erred
/an)B in a %ur*ey /y 3= 1+ in a%%ociation $ith AC .ie#%en-'&G Marg9 A#%o- the Ban) $a% *oted a%
B3he mo%t pre(erred hou%ing #oan pro*iderB in A;AAF con%umer a$ard% (or the year 21159
In the cu%tomer #oya#ty %ur*ey 2115-16 conducted /y BBu%ine%% ;or#dB- the Ban) $a% ran)ed num/er
one in a## parameter% o( cu%tomer %ati%(action- %er*ice orientation- cu%tomer care! ca## center-
cu%tomer #oya#ty and home #oan%9 SBI ,und% $a% Iudged BMutua# (und o( the yearB /y C.BC!3=-
1+!C&IS@9 3he Ban) introduced ne$ product% and %er*ice% %uch a% $e/-/a%ed remittance- in%tant
(und tran%(er- on#ine-trading and comprehen%i*e ca%h management9
During the year 2116-1+- the Ban) #aunched 955 /ranche% a## o*er the country9 3hey inaugurated a
ne$ %tate-o(-the art Dea#ing &oom $ith on#ine connecti*ity to a## acti*e (ore7 inten%i*e Branche% at
Corporate Centre in Mum/ai9 3hey #aunched a ne$ product- Con%truction 8Cuipment @oan to cater to
con%truction Companie%9 A#%o- they introduced ne$ product% %uch a% SBI &e*er%e Mortgage @oan
and SBI Home P#u% in the area% o( Home @oan%9
During the year- the &BI tran%(erred their entire %hareho#ding in the Ban) repre%enting 59964E o( the
i%%ued capita# o( the Ban) to the Go*ernment o( India9 3he Ban) acCuired 92914E o( eCuity o( G#o/a#
3rade ,inance @td9 Con%eCuent#y- G3,@ /ecame a %u/%idiary o( the Ban)9 3hey %igned an MoK $ith
the Indian rai#$ay% (or in%ta##ing A3M% at 5+2 rai#$ay %tation%9 In March 211+- the Ban) opened their
11-111th /ranch and /ecame on#y the %econd /an) in the $or#d to ha*e more than 11-111 /ranche%
a(ter ChinaB% ICBC9 During the year 211+-19- the company #aunched Import (actoring- a ne$
product in a%%ociation $ith SBI ,actor% Commercia# Ser*ice% @td9 3hey increa%ed the num/er o(
/ranche% (or retai# %a#e o( go#d coin% (rom 251 to 51+9 A#%o- they re-#aunched Go#d Depo%it Scheme at
51 /ranche% to mo/i#iDe go#d (rom dome%tic mar)et (or dep#oyment a% meta# #oan% to Ie$e##er%9

During the year- the Ban) opened their 11-111th Branch at Sonapur >"amrup Di%trict? in A%%am9
3hey introduced three ne$ product% *iD9- SBI Specia# Home @oan- SBI Happy Home @oan and SBI
@i(e%ty#e in re%pon%e to the %timu#u% pac)age announced /y the Go*ernment o( India9 A#%o- they
entered into an e7c#u%i*e arrangement $ith 3A3A Motor% (or hand#ing the /oo)ing proce%% o( 3A3A
B.anoB car%9 During the year- the Ban) #aunched on their $e/-%ite an on-#ine app#ication (orm (or
regi%tering Auto @oan enCuirie% and e7peditiou%#y monitoring and con*erting the%e #ead% into Auto
@oan%9 A#%o- they #aunched Be-in*e%tB (or the ASBA >app#ication% %upported /y /#oc)ed account%? to
aid in*e%tor% (or their eCuity %u/%cription%- IP' and &ight% app#ication%9
During the year- the Ban) %et up a cu%todia# %er*ice% company name#y SBI Cu%todia# Ser*ice% P*t9
@td9- in Ioint *enture $ith Societe Genera#e- ,rance9 3hey %igned #etter o( intent (or %etting up o( Ioint
*enture company (or underta)ing Genera# In%urance Bu%ine%%9 A#%o- they di*e%ted 11E eCuity %ta)e
in it% $ho##y o$ned %u/%idiary SBI Pen%ion ,und P*t9 @td at co%t in (a*our o( it% %u/%idiarie%9 In
'cto/er 211+- the Ban) %igned an MoK $ith State Genera# &e%er*e ,und >SG&,? o( 'man- (or a
genera# purpo%e pri*ate eCuity (und9
During the year- State Ban) o( Saura%htra >SBS?- a $ho##y o$ned %u/%idiary o( the Ban)-
ama#gamated $ith the Ban) $ith e((ect (rom Augu%t 14- 211+9 3hey %igned a Ioint *enture agreement
$ith In%urance Au%tra#ia Group (or underta)ing Genera# In%urance /u%ine%%9 A#%o- they %igned a Ioint
*enture agreement $ith MacCuarie Capita# Group- Au%tra#ia and I,C- ;a%hington (or %etting up an
In(ra%tructure (und o( KSD 4 /i##ion (or in*e%ting in *ariou% in(ra%tructure proIect% in India9
During the year 2119-11- the Ban) opened 1-109 /ranche%- out o( $hich /ranche% $ere opened in
metro and ur/an area% $ith a *ie$ to increa%e the Ban)B% reach and /e more acce%%i/#e to cu%tomer%9
In Au#y 2119- SBI introduced BSBI @oan to A((#uent Pen%ioner%B ena/#ing the go*ernment pen%ioner%
to a*ai# per%ona# #oan% upto &% 4 #a)h9
During the year- the Ban) de%igned a %pecia# pac)age- the De(ence Sa#ary Pac)age- (or per%onne# o(
the three Armed ,orce% i9e9 the Army- .a*y and Air ,orce $ho maintain their Sa#ary account% $ith
them9 A% o( March 2111- the Ban) had 12-095 /ranche% and 21-0+5 Group A3M%9 In Aune 2119- the
company increa%ed their %hareho#ding in .epa# SBI Ban) @td to 55912E and thu% .epa# SBI Ban)
@td /ecame a %u/%idiary o( the Ban) $ith e((ect (rom Aune 10- 21199
In May
2111- the Ban) %e#ected con%ortium o( 8#a*on Incorporation- KSA and =i%a Internationa#- KSA a%
their Ioint *enture >A=? partner (or Merchant AcCuiring Bu%ine%%9 3hey %et up a $ho##y o$ned
%u/%idiary- name#y SBI Payment Ser*ice% P*t @td (or conducting Merchant AcCuiring Bu%ine%%9
In Augu%t 2111- State Ban) o( Indore $a% ama#gamated $ith the Ban) a% per the %cheme o(
ama#gamation appro*ed /y the Centra# Board9
During the year 2111-11- the Ban) introduced 2 ne$ product%- name#y BPu%hpa K##a%B and BArthia%
P#u%B on pi#ot /a%i%9 3hey made %u/%tantia# progre%% in e%ta/#i%hing it%e#( a% a #eading P8 (und p#ayer
o( the country9 A#%o- they a#%o %igned a Aoint =enture agreement $ith State Genera# &e%er*e ,und
>SG&,? o( Su#tanate o( 'man- a %o*ereign entity- to %et up a genera# purpo%e pri*ate eCuity (und $ith
an initia# corpu% o( KSD 111 mn- e7panda/#e (urther to KSD 195 /n9
During the year- the Ban) opened 565 ne$ /ranche% /e%ide% merger o( 061 /ranche% o( er%t$hi#e
State Ban) o( Indore9 A#%o- they opened 10 (oreign o((ice% during the year- ta)ing the tota# to 1559 In
Au#y 1- 2111- the Ban) #aunched their BGreen Channe# CounterB at %e#ect /ranche% acro%% the country9
In Genera# In%urance /u%ine%%- the Ban) #aunched #imited operation% in Apri# 2111 (or the Corporate
and Mid Corporate cu%tomer% /a%ed at Mum/ai- and it $a% e7panded to %i7 other maIor #ocation% in
Au#y 21119 In the &etai# %egment- the Ban) #aunched their @ong 3erm Home In%urance /u%ine%% at
Mum/ai in 'cto/er 2111- $hich $a% gradua##y e7tended to co*er 55 &ACPC% and &ASM8CC%9
Genera# In%urance SM8 /u%ine%% $a% #aunched on a pi#ot /a%i% in Mum/ai and Chennai in ,e/ruary
21119 During the (ir%t Cuarter o( the (inancia# year 2111-12- the Go*ernment o( India i%%ued the
BAcCui%ition o( State Ban) o( India Commercia# Internationa# Ban) @td9 *ide noti(ication dated
Au#y 29- 21119 Con%eCuent to the %aid noti(ication- the underta)ing o( State Ban) o( India Commercia#
Internationa# %tand% tran%(erred to and *e%t in State Ban) o( India $ith e((ect (rom Au#y 29- 21119
'I(EST"NE "F STATE AN! "F IN#IA
)**+
-SBI un*ei#% ne$ /ranch in ManIeri
-Ban) a$arded %pecia# priDe (or #ending to %e#( he#p group run /y $omen

-SBI un*ei#% (#oating A3M

-State Ban) o( India appointed %i7 ne$ Deputy Managing Director% on ,e/ruary 11- 21109 3he ne$
DMD% are< Mr 39S9 Bhattacharya- CGM- Product De*e#opment and Mar)eting- Mr M9M9@atee(-
Managing Director- SBI Gi#t%- Mr Yoge%h Agar$a#- CGM- Chandigarh- Mr "ri%hnamurthy- CGM-
Madra% @H' and Mr &9&amanathan- CGM- 3echno#ogy and Mr =iIay Anand- CGM- Corporate
Account group9 3he%e top #e*e# appointment% (o##o$ the appointment o( the ne$ Managing Director
(or the /an)- Mr Chandan Bhattacharya- in Decem/er9

-GAI@ tie% up SBI (or e-/an)ing %y%tem

-SBI Ioin hand% $ith =i%a (or tra*e# card

-SBI enter% into A3M %haring agreement% $ith K3I Ban) HD,C Ban)

-Sign% a Memorandum o( Knder%tanding >MoK? under $hich the /an) $i##
pro*ide term #oan% to (armer% (or purcha%ing capita# input% (rom Aain
Irrigation Sy%tem% @td >AIS@?

-Aoin hand% $ith Siemen% (or (inancing the medica# eCuipment% %o#d /y
Siemen%

-Aoin% hand% $ith =S3 3i##er% to #aunch SBI-=S3 Sha)ti- a ne$ #oan
%cheme (or (arm mechani%ation programme

-Kn*ei#% =i%h$a Yatra (oreign tra*e# card- a prepaid card $hich
o((er% the tra*e##er a con*enient and %ecure $ay to carry ca%h

-3ie% up $ith Same DeutD-,ahr India (or tractor (inancing

-In a##y $ith Si))im go*t to /ee( up SM8%

-3he go*ernment ha% cho%en State Ban) o( India >SBI? (or channe#iDing go*ernment credit to other
countrie% $hich run% into /i##ion% o( do##ar

-SBI open% MIC& cheCue proce%%ing center

-Sign% MoK $ith HM3 @td9 (or (inancing their tractor%

-State Ban) o( India dep#oy% ,#e7cu/e a% core /an)ing %o#ution at ,ran)(urt

-Mr A%ho) "9 "ini appointed a% ne$ Managing Director o( State Ban) o( India $ith e((ect (rom
Apri# 1- 2110 to Decem/er 41- 2115

-SBI un*ei#% ,oreign 3ra*e# card in 'ri%%a

-ICICI Ban)- SBI- @IC in pact (or &% 21-111-cr proIect%

-&e#iance In(o in A3M pact $ith SBI

-State Ban) o( India- Banga#ore Circ#e- ha% announced it% tie-up $ith .e$ India A%%urance Company
@td >.IAC?- (or di%tri/ution o( .IACB% genera# in%urance product% in "arnata)a

- SBI un*ei#% ne$ credit card in Ahmeda/ad

-State Ban) o( India Ioined the /i##ion do##ar c#u/

-3H8 State Ban) o( India opened it% 245th /ranch in the State at
3ripunithura on Aune 15

-SBI inaugurate% (ir%t Internet %hoppe in "ochi

-State Ban) o( India ha% opened a (u##y computeri%ed /ranch at
"arunagappa##y in "o##am di%trict

-@3-Aohn Deere Pri*ate @td ha% %igned a memorandum o( under%tanding
>MoK? $ith State Ban) o( India (or tractor (inance

-Buy% 11E %ta)e in Mu#ti Commodity 87change o( India @td9 >MCD8L?
(or &% 291 crore

-SBI Ioin hand% $ith Hero Honda to un*ei# co-/randed credit card

-State Ban) o( India #aunched it% (ir%t mo/i#e A3M (or increa%ing the
/an)ing con*enience o( it% cu%tomer%

-State Ban) o( India ha% %igned a Memorandum '( Knder%tanding >M'K? $ith the Societe Genera#e
A%%et Management o( ,rance >SGAM? (or inducting Societe Genera#e A%%et Management a% a %ta)e
ho#ding partner (or SBIB% mutua# (und arm- SBI ,und Management Pri*ate @td >SBI,MP@?

-State Ban) o( India- >SBI? $ith a *ie$ to e7pand the am/it o( it% educationa# #oan %cheme%- ha%
un*ei#ed a uniCue educationa# #oan %cheme- chri%tened .ur%ing P#u%- (or the nur%ing %tudent% o( the
country

-SBI (orge% a##iance $ith Hero Honda

BA@A.C8 SH883 ,'& 3H8 Y8A& 8.DI.G '. MA&CH 2116-2111
2116 211+ 2119 2111 2111
CAPI3A@ A.D @IABI@I3I8S
3ota# %hare capita# 525941 541906 5409++ 5409++ 545911
8Cuity %hare capita# 525941 541906 5409++ 5409++ 545911
Share app#ication money 1911 1911 1911 1911 1911
Pre(erence %hare capita# 1911 1911 1911 1911 1911
&e%er*e% 41662925 0+011919 564129+2 55410942 50451910
&e*a#uation re%er*e% 1911 1911 1911 1911 1911
Net ,orth -.)/0.12 +/*-).22 13/+3.3* 21/+/.)* 2+/02.*+
Depo%it% 045521919 546014990 602164914 +10115924 9449429+1
Borro$ing% 49614940 51626901 5461495+ 114111951 11955+995
3ota# de/t 065220904 5+9141945 6956+59+1 9161269+4 1154511966
'ther #ia/i#itie% and pro*i%ion% 51102925 +4452941 111596956 +1445961 11520+949
Total liabilities 122121.)1 3).1)2.-. /2++-).*0 .*1-+.-.3- .))-3-2.)*
2116 211+ 2119 2111 2111
ASS83S
Ca%h and /a#ance% $ith &BI 29-165904 51540952 55505916 512919+6 90495951
Ba#ance $ith /an)%- money at ca##
22+92926 15941962 0++56954 40+9299+ 2+06+955
Ad*ance% 446445909 01565+921 502514921 541910915 655619905
In*e%tment% 10910+9++ 1+9511926 265954995 2+5691916 295511956
Gro%% /#oc)
141+992+ 11+41954 11014914 11+41954 141+992+
Accumu#ated depreciation +656944 6614991 5+2+955 6614991 +656944
,i7ed A%%et% 0041995 0116964 4560901 0116964 0041995
Capita# $or) in progre%% 442924 29591+ 254900 29591+ 442924
'ther a%%et% 046669+5 45112965 46644926 45112965 046669+5
3ota# a%%et%
555555925 621525941 95004291+ 1154014960 1224645921
Contingent #ia/i#itie%
5+5290951
029916946 510514906 029916946 5+5290951
Bi##% (or co##ection
215192929 155009910 152950915 155009910 215192929
Boo) *a#ue 1124901 114+965 912964 114+965 1124901
8PS +5929 115955 104956 100946 115916
Net block4 gross block 5 depreciation Net block 4 fi6ed assets
PR"FIT AN# ("SS ACC"7NT "F STATE AN! "F IN#IA
F"R T&E EN#IN8 "N 'ARC& )*.*%)*.-
2111 2111 2112 2114
Income<
Intere%t earned 49091914 0+951941 546++904 61994992
'ther income 6005965 949+904 12591945 1095+915
3ota# income 05946969 5+40+960 6506996+ +5952916
87penditure<
Intere%t e7pended 240459+2 4192991+ 02915929 0642290+
'perating e7pen%e% 1425196+ 10519955 1+124955 20901911
3ota# e7pen%e% 0249590+ 51519952 5645+955 65695912
'ther pro*i%ion and contingencie% 56169++ 51+1999 5419951 0542954
.et pro(it 0501941 5629912 9121924 9155915
87traordinary item% 1911 1911 1911 1911
Pro(it B!, 1940 1940 1940 1940
3ota# 0501955 5629905 9121956 9155949
Pre(erence di*idend 1911 1911 1911 1911
8Cuity di*idend 6459+2 1456955 1+01915 1910955
Corporate di*idend ta7 125922 1559+6 20+914 245965
Per share data$
8PS +5929 115955 104956 100946
8Cuity di*idend >E? 101911 215911 291911 411911
Boo) *a#ue 590959 66590+ 912964 114+965
Appropriations
3ran%(er to %tatutory re%er*e 45+2915 5215959 5625915 5095910
3ran%(er to other re%er*e -29++ -1911 415991 529951
Propo%ed di*idend! tran%(er to go*t9 +52910 1524954 21+991+ 2101901
Ba#ance C!, to /a#ance %heet 1940 1940 1940 1940
3ota# 0510955 5629905 9121956 9155949
S7STAINA(E EARNIN8S "F STATE AN! "F IN#IA$

)*.- 9.): )*.) 9.): )*.* 9.): )**/ 9.):
I.C'M8 <

3ota# 9621+995 +5952916 650+2960 5+046902

II9 87penditure

3ota# ++950900 65695912 56451951 5161+94


,ringe Bene(it ta7 1 1 102 115
De(erred 3a7 9659+2 -1016965 -115591 -219904
&eported .et Pro(it +250952 9155915 9121924 5629912
87traordinary Item% -11924 -59+4 -1961 6
AdIu%ted .et Pro(it +260965 91619++ 9122990 5622912




a*erage o( adIu%ted .et Pro(it 2119-2111 and
2111
++55952444


rounding
o(( ++56

Standard de*iation < 510944
&ounding o(( 510
CRAR;
)*.- )*.) )*..
CRAR9;:
Year 8nd 211114 211114 211914
C&A& - 3ier I >E? 6966 9905 994+
C&A& - 3ier II >E? 0921 4990 09+6
3ota# C&A& >E? 1199+ 14949 10925

3ota#
C&A&
>E?
2114 10925
year 2112 14949
2111 1199+
RATI" ANA(<SIS$
C7RRENT RATI"$
An indication o( a companyB% a/i#ity to meet %hort-term de/t o/#igation%M the
higher the ratio- the more #iCuid the company i%9 Current ratio i% eCua# to current a%%et%
di*ided /y current #ia/i#itie%9 I( the current a%%et% o( a company are more than t$ice the
current #ia/i#itie%- then that company i% genera##y con%idered to ha*e good %hort-term
(inancia# %trength9 I( current #ia/i#itie% e7ceed current a%%et%- then the company may ha*e pro/#em%
meeting it% %hort-term o/#igation%9
C7RRENT RATI" 4 C7RRENT ASSETS = C7RRENT (IAI(IT<
current ratio
year 2111-2114
year &atio
2116 1915
211+ 1916
2119 1910
2111 1910
2111 1910
(I>7I# RATI"$
@iCuid ratio i% a#%o )no$n a% ?>uick@ or ?Acid Test ?Ratio9 @iCuid a%%et% re(er to
a%%et% $hich are Cuic)#y con*erti/#e into ca%h9 Current A%%et% other %toc) and prepaid e7pen%e%
are con%idered a% Cuic) a%%et%9
>uick Ratio 4 Total >uick Assets
Total Current (iabilities
>uick Assets 4 Total Current Assets 5 InAentory
Year &atio
2116 5952
211+ 5915
2119 5960
2111 9916
2111 +951
EARNIN8 PER S&ARE$
In order to a*oid con(u%ion on account o( the *aried meaning% o( the term capita#
emp#oyed- the o*era## pro(ita/i#ity can a#%o /e Iudged /y ca#cu#ating earning per %hare $ith the he#p
o( the (o##o$ing (ormu#a<
Earning Per EBuity Share 4 Net Profit after Ta6 5Preference #iAidend
No. of EBuity shares
3he earning per %hare o( the company he#p% in determining the mar)et price o( the eCuity %hare% o(
the company9 A compari%on o( earning per %hare o( the company $ith another $i## a#%o he#p in
deciding $hether the eCuity %hare capita# i% /eing e((ecti*e#y u%ed or not9 It a#%o he#p% in e%timating
the companyN% capacity to pay di*idend to it% eCuity %hareho#der%9
Year &atio
2111 +5929
2111 115955
2112 104956
2114 100946
#ICI#EN# PER S&ARE $
It i% e7pre%%ed /y di*iding di*idend paid to eCuity %hareho#der% /y no9 o( eCuity %hare%9
thi% %ho$% the per %hare di*idend gi*en to eCuity %hareho#der%9 It i% *ery he#p(u# (or potentia#
in*e%tor% to )no$ the di*idend paying capacity o( the company9 It a((ect% the mar)et *a#ue o( the
company9
#iAidend Per Share 4 #iAidend Paid To EBuity Shareholders
No. "f EBuity Shares
di*idend
per
%hare

2111 10
year 2111 2195
2112 29
2114 41
NET PR"FIT RATI"$
3hi% ratio indicate% the .et margin on a %a#e o( &%91119 It i% ca#cu#ated a% (o##o$%<
Net Profit Ratio 4 Net Profit D .**
Net Sales
3hi% ratio he#p% in determining the e((iciency $ith $hich a((air% o( the /u%ine%% are /eing managed9
An increa%e in the ratio o*er the pre*iou% period indicate% impro*ement in the operationa# e((iciency
o( the /u%ine%%9 3he ratio i% thu% on e((ecti*e mea%ure to chec) the pro(ita/i#ity o( /u%ine%%9

net
pro(it
ratio

2111 11912
year 2111 11955
2112 12914
2114 11950
RET7RN "N NET E"RT&$
It mea%ure% the pro(ita/i#ity o( the /u%ine%% in *ie$ o( the %hareho#der%9 It Iudge% the earning capacity
o( the company and the adeCuacy o( return on proprietorN% (und%9 Shareho#der% and potentia# in*e%tor%
are intere%ted in thi% ratio9 It i% ca#cu#ated a% /e#o$<
Return "n Net Eorth 4 Net Profit After Interest And Ta6 6 .**
Shareholder@s Funds

return on
%hareho#derB%

2111 1095
year 2111 14962
2112 15960
2114 149+9
#ET% E>7IT< RATI"$
3he De/t-8Cuity ratio i% ca#cu#ated to (ind out the #ong-term (inancia# po%ition o( the (irm9 3hi% ratio
indicate% the re#ation%hip /et$een #ong-term de/t% and %hareho#derN% (und%9 3he %oundne%% o( #ong-
term (inancia# po#icie% o( a (irm can /e determined $ith the he#p o( thi% ratio9 It he#p% to a%%e%% the
%oundne%% o( #ong-term (inancia# po#icie% o( a /u%ine%%9 It a#%o he#p% to determine the re#ati*e %ta)e%
o( out%ider% and %hareho#der%9 @ong-term creditor% can a%%e%% the %ecurity o( their (und% in a /u%ine%%9
It indicate% to $hat e7tent a (irm depend% upon #ender% to meet it% #ong-term (inancia# reCuirement%9
A #o$ De/t-8Cuity ratio i% con%idered /etter (rom the point o( *ie$ o( creditor%9

3ota#
De/t to
'$ner%
,und


2111 14992
year 2111 11995
2112 129+1
2114 12919
FIDE# ASSETS T7RN"CER RATI"$
It i% a#%o ca##ed a% Sa#e% to ,i7ed A%%et% &atio9 It mea%ure% the e((icient u%e o( (i7ed a%%et%9 3hi% ratio
i% a mea%ure o( e((icient u%e o( (i7ed a%%et%9 it i% ca#cu#ated a%<
Fi6ed Assets TurnoAer Ratio 4 Cost of goods sold or Sales
Net Fi6ed Assets
It mea%ure% the e((iciency and pro(it earning capacity o( the /u%ine%%9 Higher the ratio- greater i% the
inten%i*e uti#iDation o( (i7ed a%%et% and a #o$er ratio %ho$% under uti#iDation o( the (i7ed a%%et%9 3hi%
ratio ha% a %pecia# importance (or manu(acturing concern% $here in*e%tment in (i7ed a%%et%- i% *ery
high and the pro(ita/i#ity i% %igni(icant#y dependent on the uti#iDation o( the%e a%%et%9

a%%et%
turno*er
ratio

2111 5900
year 2111 5942
2112 692
2114 6925
CRE#IT%#EP"SIT RATI"$
3hi% ratio i% *ery important to a%%e%% the credit per(ormance o( the /an)9 3he ratio %ho$% the
re#ation%hip /et$een the amount o( depo%it generated /y the /an) a% $e## a% their dep#oyment
to$ard% di%/ur%ement o( #oan and ad*ance%9 Higher credit depo%it ratio %ho$% o*era## good
e((iciency and per(ormance o( any /an)ing in%titution9
111 =
Deposits
Credits
Ratio Deposit Credit
Credit Feans disburseFent of adAances
#eposit Fean suF of fi6ed depositG
SaAing deposit and current deposit.

credit
depo%it
ratio

2111 64900
year 2111 66951
2112 60996
2114 65995
CASH D8P'SI3 &A3I' <

ca%h
depo%it
ratio

2111 5922
Y8A& 2111 +929
2112 +946
2114 6955
CAPITA( T7RN"CER RATI" $
Income ! capita# emp#oyed

CAPI3A@
3K&.'=8&
&A3I'

2111 +905
Y8A& 2111 +995
2112 +999
2114 +952
3ota# a%%et% turno*er ratio<

tota#
a%%et%
turno*er
ratio

2111 191+
year 2111 1919
2112 1919
2114 1919
P&IC8- 8A&.I.G &A3I'<
Price earning ratio O mar)et price per %hare! earning per %hare

Price
8arning
>P!8?

2111 119+4
Year 2111 1594+
2112 6954
2114 1096+
Price to ook Calue$
Mar)et =a#ue o( Security! /oo) *a#ue o( %hare%

Price to
Boo) =a#ue >
P!B=?

2111 1956
year 2111 2915
2112 1916
2114 2
Enterprise Calue = EI#TA
8=!8BID3A

2111 15950
year 2111 10905
2112 14950
2114 15944