FY 09A FY 10A FY 11E FY 12E FY 13E

Net loans to customers 815567 1043430 1252116 1502539 1803047

Other interet earning assets 476525 572516 651818 742660 846785
Goodwill n/a n/a n/a n/a n/a
Other non interest earning assets 34961 38463 41837 45473 49398
Total Assets 1477222 1806472 2113041 2474668 2901626

Total customer deposits 1176125 1416479 1673223 1978370 2340967

Other ineterest bearing liabilities 155198 171695 188164 205780 224658
Non Interest bearing liabilities 43763 57854 66781 76971 88621
Total Liabilities 1375086 1646028 1928168 2261121 2654246

Share Capital 3590 4052 4072 4092 4113

Reserves 98546 156393 180801 209455 243268
Total Equty (Excluding minority interest) 102136 160444 184873 213547 247381
Minority Interests n/a n/a n/a n/a n/a
Total Liability and Shareholders equity 1477222 1806472 2113041 2474668 2901626
Risk weighted assets 1097870 1411690 1786726 2159595 2611733
Estemated non perf loans 8978 13180 16475 20594 25743
Specific provisions -5253 -8988 -11835 -15052 -21712
General provisions -4645 -4636 -5470 -6472 -7674

Capital
28 20 20 20
20 14 14 14

10 9 9 9
22 17 17 17

20 18 18 18
11 10 9 9
32 15 15 15
20 17 17 17

13 0 0 1
59 16 16 16
57 15 16 16

22 17 17 17
29 27 21 21
47 25 25 25
71 32 27 44
0 18 18 19
 FY 09A FY 10A FY 11E FY 12E FY 13E
Net loans to customers 815567 1043430 1252116 1502539 1803047
Other interet earning assets 476525 572516 652668.2 744041.8 848207.6
Goodwill n/a n/a n/a n/a n/a
Other non interest earning assets 34961 38463 41924.67 45697.89 49810.7
Total Assets 1477222 1806472 1946709 2292279 2701065

Total customer deposits 1176125 1416479 1671445 1972305 2327320

Other ineterest bearing liabilities 155198 171695 188864.5 205862.3 224389.9
Non Interest bearing liabilities 43763 57854 66532.1 76511.92 87988.7
Total Liabilities 1375086 1646028 1926842 2254680 2639699

Share Capital 3590 4052 4052 4052 4092.52

Reserves 98546 156393 181415.9 210442.4 244113.2
Total Equty (Excluding minority interest) 102136 160444 184510.6 214032.3 248277.5
Minority Interests n/a n/a n/a n/a n/a
Total Liability and Shareholders equity 1477222 1806472 2111352 2468712 2887976
Risk weighted assets 1097870 1411690 1792846 2169344 2624906
Estemated non perf loans 8978 13180 16475 20593.75 25742.19
Specific provisions -5253 -8988 -11864.16 -15067.48 -21697.18
General provisions -4645 -4636 -5470.48 -6455.166 -7681.648

Capital
28 20 20 20
20 14 14 14

10 9 9 9
22 17 17 17

20 18 18 18
11 10 9 9
32 15 15 15
20 17 17 17

13 0 0 1
59 16 16 16
57 15 16 16

22 17 17 17
29 27 21 21
47 25 25 25
71 32 27 44
0 18 18 19
 2008 2009 2010 2011
Net NPAs (funded) to Net Advances (%) 0.98 0.98 1.31
Movement of NPAs (Gross)
a) Opening Balance 387.34 379.57 443.2
b) Additions during the year 137.7 162.44 300.28
c) Reductions during the year 145.47 98.81 193.84
d) Closing balance 379.57 443.2 549.64
Movement of Net NPAs
a) Opening Balance 116.04 106.48 116.1
b) Additions during the year 70.47 93.39 202.03
c) Reductions during the year 80.03 83.77 129.52
d) Closing balance 106.48 116.1 188.61
Movement of Provisions for NPAs
a) Opening Balance 257.14 247.04 301.23
b) Provisions made during the year 54 47 81
c) Write-off/write-back of excess provisions 51.1 -7.19 76.62
d) Closing balance 260.04 301.23 305.61
2012 2013