current ratio

year
2007-2008
2008-2009
2009-2010
2010-2011
2011-2012

IOB
INDIAN BANK
current asset
current liability
current ratio year
10341.32
6323.84
1.63 2007-2008
10921.9
7258.26
1.5 2008-2009
9824.64
3794.9
2.59 2009-2010
12018.66
4875.19
2.46 2010-2011
16261.1
5672.5
2.87 2011-2012

ratio analysis of oth 3 banks

year
2007-2008
2008-2009
2009-2010
2010-2011
2011-2012

2007-2008
2008-2009
2009-2010
2010-2011
2011-2012

2007-2008
2008-2009
2009-2010
2010-2011
2011-2012

2007-2008
2008-2009
2009-2010
2010-2011
2011-2012
year
2007-2008
2008-2009
2009-2010
2010-2011
2011-2012

year
2007-2008
2008-2009
2009-2010
2010-2011
2011-2012

iob ratios

current asset
current liability current ratio
4817.75
2967.72 1.623384282
6772.82
3873.22 1.748627757
6683.82
3932.19 1.699770357
8562.31
4292.65 1.994644334
8813.36
4941.1 1.783683795

HDFC BANK
2007-2008
2008-2009
2009-2010
2010-2011
2011-2012

current asset
current liability
14666.49
16431.91
15343.08
22720.62
29942.4
20615.94
29668.83
28992.86
20937.73
37431.87

3
2.5
2
1.5
1
0.5
0

2007-2008
IOB

2008-2009
2009-2010
2010-2011
2011-2012
hdfc
INDIAN BANK
HDFC BANK
ICICI BANK

icci

hdfc

icci

current ratio
0.89256149
0.67529319
1.45239072
1.02331505
0.5593557

ICICI BANK
year
2007-2008
2008-2009
2009-2010
2010-2011
2011-2012

current asset
current liability
current ratio
38041.13 42895.39 0.886835
29966.56 43746.43 0.685006
38873.69 15501.18 2.507789
34090.08 15986.35 2.132449
36229.31 17576.98 2.061179

2007-2008
2008-2009
2009-2010
2010-2011
2011-2012

shareholderfund total tangible asset

4856.67
10185.973
7150.96
12107.34
7524.58
13109.64
9324.93
17878.427
11927.66
21964.817

Chart Title
9
8
7
6
5
4
3
2
1
0

2007-2008

2008-2009
iob

2009-2010

Indian bank

hdfc

07-2008

iob
overall solvency ratio
ratio
total debt
total tangible asset
0.4767998109
6,232.92
7,050.77
0.5906301467
7,311.26
8,412.17
0.5739730458
8,918.50
10,138.93
0.5215744092
1,079.05
12,171.83
0.5430347997
1,256.77
14,141.92

Chart Title

2008-2009
iob

2009-2010

Indian bank

hdfc

2010-2011
icci

2011-2012

ratio
0.8840056856
0.8691285986
0.8796293337
0.0886510419
0.0888681311

total debt total tangible assetratio

10524.75
13,317.66 0.790285
14549.74
18,237.08 0.797811
180320.1
22,245.86 8.105785
22298.05
27,735.26 0.80396
27055.3
33,790.95 0.800667

icci
total debt
total tangible assetratio
31007.948
37930.096 0.817502
28567.151
36339.971 0.786108
29628.017
40623.367 0.729334
33515.639
47364.709 0.707608
39566.487
53679.469 0.737088

properitory ratio
debt
shareholderfund
ratio
shareholderfund
total tangible
ratio
asset
2007-2008 9067.923 4856.67 1.867107 5,210.78 7,050.77 0.739037
2008-2009 10666.42 7150.96 1.491606 7,135.92 8,412.17 0.848285
2009-2010 11977.69 7524.58 1.591809 8,272.11 10,138.93 0.815876
2010-2011 16458.42 9324.93 1.764991 9,521.10 12,171.83 0.782224
2011-2012 20204.8 11927.66 1.693945 10,801.43 14,141.92 0.763788

Chart Title
2
1.8
1.6
1.4
1.2
1
0.8
0.6
0.4
0.2
0

2007-2008

2008-2009
iob

2009-2010

indian bank

hdfc

2010-2011
icici

2011-2012

shareholderfund
total tangible
ratio
asset
11,497.23 13,317.66 0.863307
15,052.73 18,237.08 0.825392
21,522.49 22,245.86 0.967483
25,379.27 27,735.26 0.915054
29,924.68

2011-2012

shareholderfund
total tangible
ratio
asset
46820.21 37930.1 1.234382
49883.02 36339.97 1.372676
52733.26 40623.37 1.298102
55090.64 47364.71 1.163116
60402.86 53679.47 1.125251

income
2007-2008 9043.71
2008-2009 11354.47
2009-2010 11442.36
2010-2011 13379.49
2011-2012 19613.1

debt equity
capital employed
ratio
debt
shareholderfund
ratio
7120.944 1.270016 6,232.92 5,210.78 1.196159
8693.943 1.306021 7,311.26 7,135.92 1.024572
9143.171 1.251465 8,918.50 8,272.11 1.078141
11993.67 1.115546 1,079.05 9,521.10 0.113332
15185.51 1.291567 1,256.77 10,801.43 0.116352

Chart Title
9
8
7
6
5
4
3
2
1
0

2007-2008

2008-2009
iob

2009-2010

indian bank

2010-20

hdfc

icci

hdfc
debt
10524.75
14549.74
180320.1
22298.05
27055.3

shareholderfund
ratio
14972.3 0.702948
15052.73 0.966585
21,522.49 8.378219
25,379.27 0.878593
29,924.68 0.904113

Chart Title

2009-2010

dian bank

2010-2011

hdfc

icci

2011-2012

debt
31007.95
28567.15
29628.02
33515.64
39566.49

icci
shareholderfund
ratio
46820.21 0.662277
49883.02 0.572683
52733.26 0.561847
55090.64 0.608373
60402.86 0.655043

capital turnover ratio hdfc

2007-2008
2008-2009
2009-2010
2010-2011
2011-2012

total debt
9067.923
10666.42
11977.69
16458.42
20204.8

overall solvency ratio

total tangible
ratio
asset income
10185.97 0.890236 6,218.67
12107.34 0.880988 7,865.77
13109.64 0.913655 9,030.78
17878.43 0.920574 10,542.92
21964.82 0.919871 13,463.48

capital employed
ratio
9194.651 0.676336
12282.45 0.640407
14486.72 0.623383
17046.09 0.618495
19833.79 0.678815

income
12,320.38
19,802.89
19,983.52
24,361.72
32,619.76

Chart Title
1
0.9
0.8
0.7
0.6
0.5
0.4
0.3
0.2
0.1
0

2007-2008

2008-2009
iob

2009-2010
ib

hdfc

2010

icici

icci
capital employed
ratio
17839.92 0.690607
24941.04 0.793988
41377.54 0.482956
49466.68 0.492487
60186.2 0.541981

income
39,667.19
39,210.31
32,999.36
33,082.96
41,450.75

capital employed
ratio
69381.82 0.571723
71714.11 0.546759
69738.93 0.473184
76727.52 0.431175
85778.02 0.483233

Chart Title

09

2009-2010

iob

ib

hdfc

2010-2011

icici

2011-2012

capital gearing ratio

capital gearing ratio

longtrm loans+p+d
equity shareholder fund
2007-2008 longtrm loans+p+d
equity shareholder
ratio
fund
2008-2009 6042.384 4856.67 1.244141 4383.871 5,210.78
2009-2010 74885.27 7150.96 10.47206 5546.528 7,135.92
2010-2011 7900.393 7524.58 1.049945 6614.613 8,272.11
2011-2012 11183.3 9324.93 1.19929 7924.991 9,521.10
14072.44 11927.66 1.179816 9432.36 10,801.43

Chart Title
12
10
8
6
4
2
0

2007-2008

2008-2009
iob

2009-2010
ib

hdfc

2010-2011

icici

2011-2012

capital gearing ratio

ratio

-2012

hdfc
icci
longtrm loans+p+d
equity shareholder
ratio
fundlongtrm loans+p+d
equity shareholder
ratio
fund

0.841308 6342.69 11,497.23 0.551671 22911.61

0.777269 9888.305 15,052.73 0.656911 22181.09
0.799628 12583.06 21,522.49 0.584647 18470.56
0.832361 15998.27 25,379.27 0.630368 21986.59
0.873251
19542 29,924.68 0.65304 25722.77

46,820.21
49,883.02
51,618.37
55,090.93
60,405.25

0.489353
0.444662
0.357829
0.399096
0.425837

f a tratio
fixed asse ratio
net fixed asset
long term fund
ratio
net fixed asset
long term funds
ratio
2007-2008 2544.76 7006.974 0.363175 1878.63 9194.651 0.204318
2008-2009 3949.85 8572.986 0.460732 3087.45 12282.45 0.251371
2009-2010 4505.51 9025.611 0.499192 2773.77 14486.72 0.19147
2010-2011 6217.19 12556.67 0.49513
3050.7 17046.09 0.178968
2011-2012 6985.69 15868.38 0.440227 4225.32 19833.79 0.213036

hdfc
net fixed asset
5306.1
7703.65
7683.57
16274.32
23526.31

Chart Title
0.5
0.45
0.4
0.35
0.3
0.25
0.2
0.15
0.1
0.05
0

2007-2008

2008-2009
iob

2009-2010
ib

hdfc

201

icici

icci
long term funds
ratio
17839.92 0.297428
24941.04 0.308875
34135.55 0.22509
41377.54 0.393313
49466.68 0.475599

net fixed asset

long term funds
ratio
24105.17 69381.82 0.347428
27286.64 71714.11 0.380492
21808.12 69738.93 0.312711
20529.29 76727.52 0.267561
23605.55 85778.02 0.275193

Chart Title

2009
iob

2009-2010
ib

hdfc

2010-2011

icici

2011-2012

op exp ratio
opexp
ni/total income
ratio
2007-2008 1610.73 9043.71
17.81
2008-2009
2307.2 11354.47
20.32
2009-2010 3385.96 11442.36
30
2010-2011 3606.12 13379.49
26.95
2011-2012 4633.23 19613.1
23.62

operating expenses ratio

year
operating expenses netratio
income
2007-2008 1,749.87 6,218.67 28.13898
2008-2009 1,428.79 7,865.77 18.16466
2009-2010 2,122.35 9,030.78 23.50129
2010-2011 2,639.96 10,542.92 25.04012
2011-2012 2,939.69 13,463.48 21.83455

Chart Title
40
35
30
25
20
15
10
5
0

2007-2008

2008-2009
iob

2009-2010
ib

hdfc

2010-2011

icici

expenses ratio
operating expenses netratio
income
3,935.28 12,320.38 31.94122
7,290.66 19,802.89 36.81614
7,703.41 19,983.52 38.54881
8,045.36 24,361.72 33.0246
9,241.64 32,619.76 28.33142

hart Title

2009-2010

ib

hdfc

2010-2011

icici

2011-2012

operating expenses netratio

income
10,855.18 39,667.19 27.36564
10,795.14 39,210.31 27.53138
10,221.99 32,999.36 30.97633
8,594.16 33,082.96 25.9776
8,843.63 41,450.75 21.33527

fatoratio
fatratio
(turnover)
income
netfixed asset
ratio
2007-2008 9043.71 2544.76 3.553856
2008-2009 11354.47 3949.85 2.874659
2009-2010 11442.36 4505.51 2.539637
2010-2011 13379.49 6217.19 2.152016
2011-2012 19613.1 6985.69 2.807611

year
net income net fixed asset
ratio
2007-2008 6,218.67 1878.63 3.310215
2008-2009 7,865.77 3087.45 2.547659
2009-2010 9,030.78 2773.77 3.255778
2010-2011 10,542.92
3050.7 3.455902
2011-2012 13,463.48 4225.32 3.186381

Chart Title
4
3.5
3
2.5
2
1.5
1
0.5
0

2007-2008

2008-2009
iob

2009-2010
ib

hdfc

2010-2011

icici

hdfc

icci

net income net fixed asset

ratio
12,320.38
5306.1 2.321928
19,802.89 7703.65 2.570585
19,983.52 7683.57 2.600812
24,361.72 16274.32 1.496942
32,619.76 23526.31 1.386523

art Title

009-2010

hdfc

2010-2011

icici

2011-2012

net income net fixed asset

ratio
39,667.19 24105.17 1.645588
39,210.31 27286.64 1.436978
32,999.36 21808.12 1.513168
33,082.96 20529.29
1.6115
41,450.75 23605.55 1.755975

np ratio

2007-2008
2008-2009
2009-2010
2010-2011
2011-2012

net profit
1202.34
1325.79
706.96
1072.54
1050.13

np ratio
ni/ti
9043.71
11354.47
11442.36
13379.49
19613.1

13.29
11.68
6.18
8.02
5.35

ib

year
net profit net income ratio
2007-2008 1,089.43 6,218.67 17.5187
2008-2009 1,329.58 7,865.77 16.90337
2009-2010 1,641.08 9,030.78 18.17207
2010-2011 1,801.98 10,542.92 17.09185
2011-2012 1,835.70 13,463.48 13.63466

Chart Title
20
18
16
14
12
10
8
6
4
2
0

2007-2008

2008-2009
iob

2009-2010
ib

hdfc

icici

hdfc
net profit
1,590.18
2,244.94
2,948.70
3,926.40
5,167.09

net income ratio

net profit
12,320.38 12.90691 4,157.73
19,802.89 11.33643 3,758.13
19,983.52 14.75566 4,024.98
24,361.72 16.11709 5,151.38
32,619.76 15.84037 6,465.26

Chart Title

-2009
iob

2009-2010
ib

hdfc

2010-2011

icici

2011-2012

net income ratio

39,667.19 10.48153
39,210.31 9.584545
32,999.36 12.19715
33,082.96 15.5711
41,450.75 15.59745

op
2007-2008
2008-2009
2009-2010
2010-2011
2011-2012

4955.5
5891.34
4510.67
5464.86
9408.86

ib
opratio
ni/tincome ratio
op
ni/tincome ratio
9043.71
54.79 2,520.40 6,218.67 40.52957
11354.47
52
4122.9 7,865.77 52.41572
11442.36
39 4073.71 9,030.78 45.10917
13379.49
41 4470.67 10,542.92 42.40448
19613.1
48 6709.79 13,463.48 49.83697

hdfc
op
4841.22
10159.74
3425.98
5763.53
11457.54

ni/tincome
12,320.38
19,802.89
19,983.52
24,361.72
32,619.76

Chart Title
60
50
40
30
20
10
0

2007-2008

2008-2009
iob

2009-2010
ib

hdfc

2010-2011

icici

icci
ratio
39.2944
51.30433
17.14403
23.65814
35.12454

op
17365.13
16367.53
12105.07
14076.81
20954.65

ni/tincome
39,667.19
39,210.31
32,999.36
33,082.96
41,450.75

art Title

009-2010
hdfc

2010-2011

icici

2011-2012

ratio
43.77706
41.74292
36.68274
42.55003
50.55313

return on investment ratio

year
operating profit
2007-2008 4955.5
2008-2009 4891.34
2009-2010 4510.67
2010-2011 5464.86
2011-2012 9408.86

capital employed
7120.944
8693.943
9143.171
11993.67
15185.51

ratio
69.59
67.76
49.33
45.56
62

return on investment
year
operating profit
2007-2008 2,520.40
2008-2009 4122.9
2009-2010 4073.71
2010-2011 4470.67
2011-2012 6709.79

Chart Title
70
60
50
40
30
20
10
0

2007-2008

2008-2009
iob

2009-2010
ib

hdfc

2010-2011

icici

indian bank
capital employed
9194.651
12282.448
14486.723
17046.091
19833.79

ratio
27.41159
33.56741
28.1203
26.22695
33.8301

hdfcbank
operating profit
4,841.22
10159.74
3425.98
5763.53
11457.54

Chart Title

009
iob

2009-2010
ib

hdfc

2010-2011

icici

2011-2012

capital employed
17839.92
24941.035
41377.537
49466.683
60186.204

ratio
27.13701
40.73504
8.279807
11.65134
19.03682

iccibank
operating profit
17365.13
16367.53
12015.07
14076.81
20954.65

capital employed
69381.818
71714.105
69738.93
76727.52
85778.016

ratio
25.02836
22.82331
17.22864
18.34649
24.42893

2007-2008
2008-2009
2009-2010
2010-2011
2011-2012

net profit
1202.34
1325.79
706.96
1072.54
1050.13

return on eqsh fund

equity owner
ratio
fund
4856.67
25
7150.96
18.54
7524.58
9.39
9324.93
11.5
11927.66
8.8

year
net profit
2007-2008 1,089.43
2008-2009 1,329.58
2009-2010 1,641.08
2010-2011 1,801.98
2011-2012 1,835.70

return on equity
(ib) sh holder
equity owner
ratio
fund
net profit
5,210.78
20.91 1,590.18
7,135.92
18.63 2,244.94
8,272.11
19.84 2,948.70
9,521.10
18.93 3,926.40
10,801.43
16.99 5,167.09

Chart Title
25
20
15
10
5
0

2007-2008

2008-2009
iob

2009-2010
ib

hdfc

2010-2011

icici

201

equity owner
ratio
fund
net profit
11,497.23 13.83098 4,157.73
15,052.73 14.91384 3,758.13
21,522.49 13.70055 4,024.98
25,379.27 15.47089 5,151.38
29,924.68 17.26698 6,465.26

Title

010
c

2010-2011

icici

2011-2012

equity owner
ratio
fund
46,820.21 8.880204
49,883.02 7.533886
51,618.37 7.797573
55,090.93 9.350686
60,405.25 10.70314

rototal assset
ib ratio
roaratio
year
np aftax+inttotalasset
2007-2008 9170.59 10185.97
2008-2009 10967.19 12107.34
2009-2010 10952.73 13109.64
2010-2011 13174.01 17878.43
2011-2012 18947.21 21964.82

ratio
90.03156
90.58299
83.54715
73.68663
86.26163

year
net profit +interest
total asset
2007-2008 6159.52 7050.768
2008-2009 8075.65 8412.174
2009-2010 9402.05 10138.93
2010-2011 11075.1 12171.83
2011-2012 13986.59 14141.92

ratio
87.35956
95.99956
92.73215
90.9896
98.90163

Chart Title
120
100
80
60
40
20
0

2007-2008

2008-2009
iob

2009-2010
ib

hdfc

2010-2011

icici

2011-

hdfc

icci

net profit +interest

total asset
11705.18 13,317.66
18577.2 18,237.08
1912.16 22,245.86
23854.61 27,735.26
32453.44 33,790.95

tle

2010-2011

icici

2011-2012

ratio
87.89217
101.865
8.595578
86.00824
96.04181

net profit +interest

total asset
34946.07 37930.1
34850.68 36339.97
29731.91 40623.37
31125.43 47364.71
40007.91 53679.47

ratio
92.13283
95.90178
73.18918
65.71439
74.53112

gross profit ratio

2007-2008
2008-2009
2009-2010
2010-2011
2011-2012

gp
2679.46
2869.29
3167.86
4208.03
5016.17

net income/totalincomeyear
gross profitnet income
9043.71
3 2007-2008
1991.7 6,218.67
11354.47
25.27 2008-2009 2608.51 7,865.77
11442.36
28 2009-2010 3303.88 9,030.78
13379.49
31 2010-2011 4036.11 10,542.92
19613.1
26 2011-2012
4419 13,463.48

Chart Title
45
40
35
30
25
20
15
10
5
0

2007-2008

2008-2009
iob

2009-2010
ib

hdfc

2010-2011

icici

2011

ib
hdfc
icci
gross profit
ratio
gross profitnet income ratio
gross profitnet income ratio
32.02775 5227.88 12,320.38 42.43278
7304.1 39,667.19 18.41345
33.16281 7421.16 19,802.89 37.47514 8366.62 39,210.31 21.33781
36.58466
8386.6 19,983.52 41.96758 8114.66 32,999.36 24.59036
38.28266 10543.13 24,361.72 43.27745
9016.9 33,082.96 27.25542
32.82212 12296.77 32,619.76 37.6973 10734.15 41,450.75 25.89615

hart Title

009-2010

hdfc

2010-2011

icici

2011-2012