Financial Performance

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Operating Results (In Rs Millions)
For the Year ended December 31	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010
Total Revenue	16,612	18,285	19,948	19,347	21,213	24,389	30,830	41,247	49,803	50070
Interest Income	15,397	16,839	19,287	19,046	20,196	23,956	30,370	40,834	49,046	48142
Interest Expenses	13,349	13,191	12,587	11,333	13,480	16,536	22,188	31,228	36,067	31487
Operating Expenses , provisions & VAT	1,537	2,171	3,215	3,897	4,276	4,352	5,341	6,919	6,792	8807
Profit before Tax	779	2,384	4,146	4,117	3,457	3,501	3,302	3,100	6,943	9777
Profit after Tax	675	1,567	3,534	3,115	2,106	1,885	1,573	1,059	3,714	5391
Assets and Liabilities (In Rs Millions)
Year ended December 31	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010
Loans & Investments	121,871	141,236	168,960	188,849	212,116	224,642	256,705	277,157	335520	383241
Other Assets	8,718	7,536	8,489	9,365	9,999	10,935	13,615	17,160	18902	20738
Total Assets	130,589	148,772	177,449	198,214	222,115	235,577	270,320	294,317	354,422	403979
Total Deposits	118,809	134,555	161,162	180,156	202,424	212,233	235,304	259,562	313,007	355364
Other Liabilities	6,823	7,427	6,496	6,649	7,170	10,365	21,753	19,756	23655	27197
Shareholders' Funds	4,957	6,790	9,791	11,409	12,521	12,979	13,263	14,999	17,760	21418
Ratios %
Year ended December 31	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010
Cost to Income	47.1	47.7	36.9	37.9	39.4	46.4	44.9	45.9	38.8	32.4
Net interest margin (NIM)	1.7	2.6	4.1	4.1	3.2	3.2	3.2	3.4	4.0	4.4
Return on average shareholders' funds	14.5	26.7	42.6	29.4	17.6	14.8	12.0	7.5	22.7	27.5
Return on average assets (post tax)	0.5	1.1	2.2	1.7	1.0	0.8	0.6	0.4	1.1	1.4
Other Information
Year ended December 31	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010
No.of Employees	2,717	2,670	2,683	2,655	2,890	2,900	2,867	2,879	2,915	3050
Number of Branches /PBBr./SH/LC	113	119	127	128	130	130	133	137	157	186


Currency	TT Buying	TT Selling
USD	113.00	115.00
EUR	147.10	150.86
GBP	177.50	181.79
AUD	119.20	123.04

Financial Performance

HOME About UsFinancial Performance

HOME About Us Financial Performance