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AXIS BANK RATIO

Mar'13 Mar '12 Mar '11 Mar '10

Investment Valuation Ratios

Face Value 10.00 10.00 10.00 10.00

Dividend Per Share 20.00 18.00 16.00 14.00

Operating Profit Per Share (Rs) 93.96 66.33 56.94 50.50

Net Operating Profit Per Share (Rs) 652.16 580.88 532.30 369.14 3

Free Reserves Per Share (Rs) -- -- -- -- 3Bonus in Equity Capital -- -- -- --

Profitability Ratios

Interest Spread 7.67 7.90 7.46 6.66

Adjusted Cash Margin(%) 17.29 16.39 16.72 18.58

Net Profit Margin 16.34 15.35 15.47 17.12

Return on Long Term Fund(%) 73.36 75.72 88.84 72.25

Return on Net Worth(%) 16.26 15.64 18.59 17.83

Adjusted Return on Net Worth(%) 16.26 15.64 18.59 17.83

Return on Assets Excluding Revaluations 813.47 707.50 551.99 462.77 3Return on Assets Including Revaluations 813.47 707.50 551.99 462.77 3

Management Efficiency Ratios

Interest Income / Total Funds 8.47 8.68 8.33 7.16

Net Interest Income / Total Funds 3.30 3.09 3.04 3.10

Non Interest Income / Total Funds 2.05 2.09 2.05 2.19

Interest Expended / Total Funds 5.16 5.59 5.29 4.06

Operating Expense / Total Funds 2.08 2.10 2.14 2.12

Profit Before Provisions / Total Funds 3.17 2.97 2.81 3.03

Net Profit / Total Funds 1.72 1.65 1.61 1.60

Loans Turnover 0.14 0.15 0.14 0.12

Total Income / Capital Employed(%) 10.51 10.77 10.38 9.35

Interest Expended / Capital Employed(%) 5.16 5.59 5.29 4.06

Total Assets Turnover Ratios 0.08 0.09 0.08 0.07

Asset Turnover Ratio 0.09 0.09 0.09 0.07

Profit And Loss Account Ratios

Interest Expended / Interest Earned 60.99 64.44 63.55 56.69

Other Income / Total Income 19.46 19.42 19.77 23.41

Operating Expense / Total Income 19.81 19.45 20.66 22.69

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Selling Distribution Cost Composition -- -- -- --

Balance Sheet Ratios

Capital Adequacy Ratio 16.07 17.00 13.66 12.65

Advances / Loans Funds(%) 73.29 71.53 72.29 76.16

Debt Coverage Ratios

Credit Deposit Ratio 80.03 77.58 76.26 74.65

Investment Deposit Ratio 42.60 43.77 40.35 38.71

Cash Deposit Ratio 5.97 5.39 6.01 7.07

Total Debt to Owners Fund 7.35 7.63 9.65 9.96

Financial Charges Coverage Ratio 0.63 0.55 0.56 0.78

Financial Charges Coverage Ratio Post Tax 1.35 1.32 1.33 1.43

Leverage RatiosCurrent Ratio 0.03 0.03 0.03 0.02

Quick Ratio 18.57 20.10 21.63 19.60

Cash Flow Indicator Ratios

Dividend Payout Ratio Net Profit 15.11 16.29 15.51 16.91

Dividend Payout Ratio Cash Profit 14.27 15.25 14.35 15.57

Earning Retention Ratio 84.89 83.71 84.49 83.09

Cash Earning Retention Ratio 85.73 84.75 85.65 84.43

AdjustedCash Flow Times 42.69 45.67 48.01 51.45

Mar

'14Mar '13 Mar '12 Mar '11 M

Earnings Per Share 132.33 110.68 102.67 82.54

Book Value 813.47 707.50 551.99 462.77 3

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BANK OF INDIA RATIO

Mar '13

Mar

'12Mar '11 Mar '10 Mar '09

Investment Valuation Ratios

Face Value 10.00 10.00 10.00 10.00

Dividend Per Share 10.00 7.00 7.00 7.00

Operating Profit Per Share (Rs) 65.05 59.02 68.14 43.27

Net Operating Profit Per Share (Rs) 535.47 529.00 432.71 375.40 3

Free Reserves Per Share (Rs) -- 193.48 161.14 125.70 1

Bonus in Equity Capital -- -- -- --

Profitability Ratios

Interest Spread -- 4.43 5.06 4.57

Adjusted Cash Margin(%) 8.22 9.06 10.83 9.09

Net Profit Margin 7.70 8.53 10.25 8.59

Return on Long Term Fund(%) 108.25 120.36 109.17 114.17 1

Return on Net Worth(%) 11.49 13.57 15.58 13.60

Adjusted Return on Net Worth(%) 11.49 13.56 15.58 13.60

Return on Assets Excluding Revaluations 401.38 343.79 292.26 243.75 2

Return on Assets Including Revaluations 401.38 365.33 316.40 270.96 2

Management Efficiency Ratios

Interest Income / Total Funds 7.63 8.28 7.59 7.93

Net Interest Income / Total Funds 2.16 2.78 3.11 3.05

Non Interest Income / Total Funds 0.90 0.28 0.20 0.22

Interest Expended / Total Funds 5.48 5.50 4.47 4.87

Operating Expense / Total Funds 1.23 1.85 1.92 2.14

Profit Before Provisions / Total Funds 1.78 1.15 1.35 1.09

Net Profit / Total Funds 0.66 0.73 0.80 0.70

Loans Turnover 0.26 0.13 0.12 0.13

Total Income / Capital Employed(%) 8.54 8.56 7.78 8.14

Interest Expended / Capital Employed(%) 5.48 5.50 4.47 4.87Total Assets Turnover Ratios 0.08 0.08 0.08 0.08

Asset Turnover Ratio 0.08 0.09 0.08 0.08

Profit And Loss Account Ratios

Interest Expended / Interest Earned 71.72 70.81 64.09 67.80

Other Income / Total Income 10.56 3.22 2.51 2.65

Operating Expense / Total Income 14.43 21.68 24.66 26.27

Selling Distribution Cost Composition -- 0.21 0.24 0.24

Balance Sheet Ratios

Capital Adequacy Ratio 11.02 11.95 12.17 12.94Advances / Loans Funds(%) -- 74.14 74.37 74.66

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Debt Coverage Ratios

Credit Deposit Ratio 35.54 74.85 72.18 74.24

Investment Deposit Ratio 25.91 27.97 28.93 28.53

Cash Deposit Ratio 5.28 5.96 7.07 5.85

Total Debt to Owners Fund 15.96 16.13 18.71 17.95Financial Charges Coverage Ratio 0.33 0.22 0.31 1.23

Financial Charges Coverage Ratio Post

Tax1.13 1.14 1.19 1.15

Leverage Ratios

Current Ratio 0.76 0.03 0.04 0.02

Quick Ratio 28.08 20.79 19.06 22.15

Cash Flow Indicator Ratios

Dividend Payout Ratio Net Profit 21.70 17.40 17.85 24.61

Dividend Payout Ratio Cash Profit 20.34 16.38 16.89 23.26Earning Retention Ratio 78.30 82.60 82.15 75.39

Cash Earning Retention Ratio 79.66 83.62 83.11 76.74

AdjustedCash Flow Times 130.18 111.91 113.68 124.71

Mar

'13Mar '12 Mar '11 Mar '10 M

Earnings Per Share 46.14 46.66 45.54 33.15

Book Value 401.38 343.79 292.26 243.75 2