Balance Sheet Analysis

Balance Sheet of State Bank of Mysore
------------------- in Rs. Cr. ------------------Mar '11

Mar '10
Mar '09
12 mths
12 mths
12 mths
Capital and Liabilities:
Total Share Capital
Equity Share Capital
Share Application Money
Preference Share Capital
Reserves
Revaluation Reserves
Net Worth
Deposits
Borrowings
Total Debt
Other Liabilities & Provisions
Total Liabilities
Assets
Cash & Balances with RBI
Balance with Banks, Money at Call
Advances
Investments
Gross Block
Accumulated Depreciation
Net Block
Capital Work In Progress
Other Assets
Total Assets
Mar '08
12 mths
Mar '07
12 mths
Dena Bank BOM

Industry Avg
------------------- ------------------in Rs. Cr. ------------------in Rs. Cr. ------------------Mar '11
Mar '11
12 mths
12 mths
46.8
46.8
0
0
3,052.67
583.85
3,683.32
43,225.47
3,307.95
46,533.42
1,815.73
52,032.47
36
36
0
0
2,037.40
591.89
2,665.29
38,880.00
2,274.01
41,154.01
1,589.64
45,408.94
36
36
0
0
1,635.11
599.93
2,271.04
32,915.77
2,762.08
35,677.85
2,536.89
40,485.78
36
36
0
0
1,341.81
0
1,377.81
27,462.40
1,731.53
29,193.93
2,497.96
33,069.70
36
36
0
0
1,105.33
0
1,141.33
22,022.35
989.92
23,012.27
2,689.05
26,842.65
333.39
333.39
0
0
3,125.79
196.74
3,655.92
64,209.62
1,691.66
65,901.28
1,281.22
70,838.42
1,069.71
481.71
0
588
2,457.67
443.55
3,970.93
66,844.74
3,076.56
69,921.30
2,549.99
76,442.22
Mar '11
12 mths
2,705.68
2,765.62
1,735.05
2,661.55
2,095.63
4,721.41
3,846.00
234.6
34,029.81
12,927.14
1,127.62
402.62
725
0
1,410.23
52,032.46
213.85
29,535.86
11,494.41
1,107.10
374.11
732.99
0
666.2
45,408.93
407.66
25,616.05
11,377.96
1,060.28
328.91
731.37
0
617.7
40,485.79
244.54
21,027.15
8,402.76
406.56
283.57
122.99
0
610.72
33,069.71
342.76
16,465.54
6,989.75
367.53
234.14
133.39
0
815.59
26,842.66
687.4
44,828.05
18,768.91
888
484.4
403.6
0.15
1,428.91
70,838.43
203.35
46,880.77
22,491.08
1,319.87
653.08
666.79
0
2,354.22
76,442.21
12,978.50
3,538.05
447.521875
447.521875
0
0
7671.40792
8118.92979
101242.043
11247.7594
112489.803
5900.57208
126509.305
89230.7192
32811.3038
940.068333
3527.21333
126509.305
61.02
Dena Bank
Commonsize
in Rs. Cr. ------------------Mar '11
Mar '11
Mar '10
Mar '09
Mar '08
Mar '07
12 mths 12 mths 12 mths 12 mths 12 mths
Total Share Capital
0.09%
0.08%
0.09%
0.11%
0.13%
0.47%
0.09%
0.08%
0.09%
0.11%
0.13%
0.47%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Reserves
5.87%
4.49%
4.04%
4.06%
4.12%
4.41%
1.12%
1.30%
1.48%
0.00%
0.00%
0.28%
Net Worth
7.08%
5.87%
5.61%
4.17%
4.25%
5.16%
Deposits
83.07%
85.62%
81.30%
83.04%
82.04%
90.64%
Borrowings
6.36%
5.01%
6.82%
5.24%
3.69%
2.39%
Total Debt
89.43%
90.63%
88.12%
88.28%
85.73%
93.03%
3.49%
3.50%
6.27%
7.55%
10.02%
1.81%
Total Liabilities
100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Assets
Balance with Banks, Money
at Call
Advances
Investments
Gross Block
Net Block
Other Assets
Total Assets
BOM
Industry
Mar '11
1.40%
0.63%
0.35%
0.35%
0.77%
3.22%
0.58%
5.19%
87.44%
4.02%
91.47%
3.34%
100.00%
0.00%
6.06%
0.00%
6.42%
80.03%
8.89%
88.92%
4.66%
100.00%
5.20%
6.09%
4.29%
8.05%
7.81%
6.67%
5.03%
0.00%
0.45%
65.40%
24.84%
2.17%
0.77%
1.39%
0.00%
2.71%
100.00%
0.47%
65.04%
25.31%
2.44%
0.82%
1.61%
0.00%
1.47%
100.00%
1.01%
63.27%
28.10%
2.62%
0.81%
1.81%
0.00%
1.53%
100.00%
9.19%
790.03%
315.71%
15.28%
10.65%
4.62%
0.00%
22.95%
100.00%
16.36%
785.71%
333.54%
17.54%
11.17%
6.37%
0.00%
38.92%
100.00%
0.97%
63.28%
26.50%
1.25%
0.68%
0.57%
0.00%
2.02%
100.00%
0.27%
61.33%
29.42%
1.73%
0.85%
0.87%
0.00%
3.08%
100.00%
0.00%
70.53%
25.94%
0.74%
0.00%
0.00%
0.00%
2.79%
100.00%

Mar '11
Total Share Capital
Reserves
Net Worth
Deposits
Borrowings
Total Debt
Total Liabilities
Assets
Balance with Banks, Money
at Call
Advances
Investments
Gross Block
Net Block
Other Assets
Total Assets
Dena Bank
Trend Analysis
Mar '10
Mar '09
Mar '08
Mar '07
Mar '11
BOM Industry
Mar '11
130.00%
130.00%
0.00%
100.00%
100.00%
0.00%
100.00%
100.00%
0.00%
100.00%
100.00%
0.00%
100.00%
100.00%
0.00%
276.18%
0.00%
322.72%
196.28%
334.16%
202.21%
67.52%
193.84%
184.33%
0.00%
233.52%
176.55%
229.72%
178.84%
59.12%
169.17%
147.93%
0.00%
198.98%
149.47%
279.02%
155.04%
94.34%
150.83%
121.39%
0.00%
120.72%
124.70%
174.92%
126.86%
92.89%
123.20%
100.00%
0.00%
100.00%
100.00%
100.00%
100.00%
100.00%
100.00%
926.08%
926.08%
0.00%
0.00%
8682.75%
546.50%
10155.33%
178360.06%
4699.06%
183059.11%
3558.94%
196773.39%
2971.42%
1243.12%
1338.08%
1243.12%
0.00%
0.00%
1633.33%
0.00%
6826.86% 21309.47%
1232.08%
0.00%
11030.36% 22552.58%
185679.83% 281227.90%
8546.00% 31243.78%
194225.83% 312471.67%
7083.31% 16390.48%
212339.50% 351414.73%
129.11%
131.97%
82.79%
127.00%
100.00%
225.30%
183.52%
0.00%
68.44%
206.67%
184.94%
306.81%
171.96%
543.52%
0.00%
172.91%
193.84%
62.39%
179.38%
164.45%
301.23%
159.78%
549.51%
0.00%
81.68%
169.17%
118.93%
155.57%
162.78%
288.49%
140.48%
548.29%
0.00%
75.74%
150.83%
71.34%
127.70%
120.22%
110.62%
121.11%
92.20%
0.00%
74.88%
123.20%
100.00%
100.00%
100.00%
100.00%
100.00%
100.00%
0.00%
100.00%
100.00%
200.55%
272.25%
268.52%
241.61%
206.88%
302.57%
0.00%
175.20%
263.90%
59.33%
284.72%
321.77%
359.12%
278.93%
499.88%
0.00%
288.65%
284.78%
0.00%
541.92%
469.42%
255.78%
0.00%
0.00%
0.00%
432.47%
471.30%
Profit & Loss account of State Bank

------------------of Mysore in Rs. Cr. -------------------
Income
Interest Earned
Other Income
Total Income
Expenditure
Interest expended
Employee Cost
Selling and Admin Expenses
Depreciation
Miscellaneous Expenses
Preoperative Exp Capitalised
Operating Expenses
Provisions & Contingencies
Total Expenses
Net Profit for the Year
Extraordionary Items
Profit brought forward
Total
Mar '11
Mar '10
Mar '09
Mar '08
Mar '07
12 mths
12 mths
12 mths
12 mths
12 mths
PNB
Mar '11
12 mths
Bank of
Baroda
Mar '11
12 mths
4,079.08
455.18
4,534.26
3,558.92
425.72
3,984.64
3,247.28
480.36
3,727.64
2,494.40
422.13
2,916.53
1,805.79 26,986.48 21,885.92

350.22 3,612.58 2,809.19
2,156.01 30,599.06 24,695.11
2,443.08
548.37
613.19
49.52
378.52
0
1,373.23
216.37
4,032.68
501.59
-0.97
0
500.62
2,322.36
418.26
218.66
42.35
537.24
0
811.13
405.38
3,538.87
445.77
0
0
445.77
2,409.02
384.55
175.23
42.6
379.32
0
719.25
262.45
3,390.72
336.91
0
0
336.91
1,732.10
337.56
106.9
57.78
363.34
0
638.42
227.16
2,597.68
318.85
0
0
318.85
1,092.91 15,179.14 13,083.66

317.57 4,461.10 2,916.78
106.33 2,813.45 1,885.00
255.85
243.04
59.8
330.18 3,456.02 2,324.94
0
0
0
602.66 8,367.96 5,669.88
211.22 2,618.46 1,699.88
1,906.79 26,165.56 20,453.42
249.23 4,433.50 4,241.68
0
0
0
0
0
0
249.23 4,433.50 4,241.68
Dena
State Bank Of Mysore

Currency: Rs.Crore (Non-Annualised)
Mar-11
12 mths
Mar-10
12 mths
Mar-09
12 mths
Mar-08
12 mths
Mar-11
Mar-07
12 mths
12 mths
Industry
BOM
Mar-11
12 mths
Mar-11
12 mths
Total income
Income from financial services
Interest income
60.02
108.40
165.68
108.57
66.6
76.38
99.04
3.18
17.01
8.35
41.86
43.12
287.18
121.68
95.72
14.76
54.7
10.45
4.84
14.38
234.4
4743.11
4622.33
3924.50
19.02
284.02
99.14
21.63
4,107.04
3,578.68
3,427.11
2,609.40
1,882.92
4,970.51
5,828.33
4206.65
2,443.08
2,322.36
2,409.02
1,732.10
1,092.91
3,270.17
3,599.67
1,092.91
3,270.17
3,594.69
2596.16
2569.55
25.92
531.23
0.09
79.80
28.43
37.76
18.84
0.27
20.38
0.82
21.93
12.14
4,606.16
4,022.95
3,762.52
2,926.75
2,131.15
5,582.14
6,158.72
4,507.26
3,991.18
3,699.47
2,874.44
2,083.19
5,280.58
6,013.60
4,079.08
3,558.93
3,247.27
2,494.39
1,776.49
5,033.53
5,599.67
27.82
1.88
Dividends
Income from treasury operations
Other income
Prior period and extra-ordinary income
Total expenses
Fee based financial services expenses
Fund based financial services expenses
Interest paid
2,443.08
2,322.36
2,409.02
1,732.10
4.98
Treasury operations expenses

551.14
516.77
437.00
357.70
318.57
688.20
1,056.10
84.83
71.78
67.27
44.3
51.01
80.92
98.95
Repairs & maintenance
4.02
5.66
5.84
4.83
3.7
16.56
30.38
Insurance premium paid
35.96
31.43
29.48
23.77
19.7
56.38
65.87
Outsourced professional jobs
14.84
12.32
10.24
9.03
6.46
14.27
19.53
0.76
Compensation to employees
Indirect taxes
Rent & lease rent
Directors' fees
0.16
0.23
0.2
0.15
0.17
1.04
Selling & distribution expenses
6.07
4.12
4.52
2.01
1.51
16.35
18.76
Communications expenses
3.58
1.81
8.08
7.06
6.98
28.62
20.48
Printing & stationery expenses
11.7
7.11
3.72
1.44
0.82
11.79
14.07
158.40
129.81
108.59
128.97
94.5
128.74
150.49
487.64
Travel expenses
Miscellaneous expenditure
Total provisions
Depreciation (net of transfer from reval reserves)
Amortisation
502.24
174.90
139.88
87.12
109.76
339.98
49.51
42.35
42.6
57.78
59.8
30.55
68.51
139.07
146.71
364.09
50.34
4.67
Provision for direct tax
240.54
258.03
160.67
153.14
117.03
286.56
57.43
330.39
246.89
536.46
387.82
783.3447
Profit after tax
499.12
444.27
335.41
317.35
248.23
611.63
PBT
739.66
702.30
496.08
470.49
365.26
898.19
SBM Commonsize
Mar-11
12 mths
Mar-10
12 mths
Mar-09
12 mths
Dena
Mar-08
12 mths
Mar-07
12 mths
Mar-11
12 mths
BOM
Mar-11
12 mths
Industry
Mar-11
12 mths
100.00%
97.85%
88.56%
0.00%
1.30%
0.07%
2.08%
100.00%
99.21%
88.47%
0.00%
2.69%
0.42%
0.37%
100.00%
98.32%
86.31%
0.00%
4.40%
0.22%
1.45%
100.00%
98.21%
85.23%
0.00%
3.71%
1.43%
0.36%
100.00%
97.75%
83.36%
0.00%
3.13%
2.02%
0.23%
100.00%
94.60%
90.17%
0.50%
1.37%
5.14%
0.26%
100.00%
97.64%
90.92%
0.03%
1.61%
1.98%
3.81%
100.00%
97.45%
82.74%
0.40%
5.99%
2.09%
0.46%
89.16%
88.96%
91.09%
89.16%
88.35%
89.04%
94.64%
88.69%
53.04%
53.04%
0.00%
11.97%
57.73%
57.73%
0.00%
12.85%
64.03%
64.03%
0.00%
11.61%
59.18%
59.18%
0.00%
12.22%
51.28%
51.28%
0.00%
14.95%
58.58%
58.58%
0.00%
12.33%
58.45%
58.37%
0.08%
17.15%
54.74%
54.17%
0.55%
11.20%
1.84%
0.09%
0.78%
0.32%
0.00%
0.13%
0.00%
0.08%
0.25%
1.78%
0.14%
0.78%
0.31%
0.01%
0.10%
0.00%
0.04%
0.18%
1.79%
0.16%
0.78%
0.27%
0.01%
0.12%
0.00%
0.21%
0.10%
1.51%
0.17%
0.81%
0.31%
0.01%
0.07%
0.00%
0.24%
0.05%
2.39%
0.17%
0.92%
0.30%
0.01%
0.07%
0.00%
0.33%
0.04%
1.45%
0.30%
1.01%
0.26%
0.02%
0.29%
0.00%
0.51%
0.21%
1.61%
0.49%
1.07%
0.32%
0.01%
0.30%
0.00%
0.33%
0.23%
1.68%
0.60%
0.80%
0.40%
0.01%
0.43%
0.02%
0.46%
0.26%
3.44%
Total provisions
10.90%
Depreciation (net of transfer from reval reserves) 1.07%
Amortisation
0.00%
3.23%
4.35%
1.05%
0.00%
2.89%
3.72%
1.13%
0.00%
4.41%
2.98%
1.97%
0.00%
4.43%
5.15%
2.81%
0.00%
2.31%
6.09%
0.55%
0.00%
2.44%
7.92%
1.11%
2.26%
3.09%
7.68%
1.06%
0.10%
Total income
Interest income
Dividends
Other income
Total expenses
Interest paid
Indirect taxes
Rent & lease rent
Directors' fees
Travel expenses
Profit after tax
5.22%
10.84%
6.41%
11.04%
4.27%
8.91%
5.23%
10.84%
5.49%
11.65%
5.13%
10.96%
0.93%
5.36%
5.21%
11.31%
PBT
16.06%
17.46%
13.18%
16.08%
17.14%
16.09%
6.30%
16.52%
SBM Trendline
Mar-11
12 mths
Mar-10
12 mths
Mar-09
12 mths
Dena
Mar-08
12 mths
Mar-07
12 mths
Mar-11
12 mths
BOM
Mar-11
12 mths
Industry
Mar-11
12 mths
176.55%
177.59%
182.79%
137.33%
137.98%
140.41%
100.00%
100.00%
100.00%
261.93%
253.49%
283.34%
288.99%
288.67%
315.21%
222.56%
221.89%
220.91%
162.76% 248.77%
39.45%
19.36%
304.96% 1130.17%
163.02%
97.08%
215.91%
100.00%
100.00%
100.00%
114.68% 148.71%
666.00% 282.19%
297.11% 4842.98%
426.46%
229.91%
446.87%
218.12%
190.06%
182.01%
138.58%
100.00%
263.98%
309.54%
223.41%
223.54%
223.54%
212.49%
212.49%
220.42%
220.42%
158.49%
158.49%
100.00%
100.00%
299.22%
299.22%
329.37%
328.91%
237.55%
235.11%
173.00%
162.22%
137.18%
112.28%
100.00%
216.03%
331.51%
166.75%
166.30%
108.65%
182.54%
229.72%
94.12%
401.99%
140.72%
152.97%
159.54%
190.71%
135.29%
272.85%
131.88%
157.84%
149.64%
158.51%
117.65%
299.34%
86.85%
130.54%
120.66%
139.78%
88.24%
133.11%
100.00% 158.64% 193.98% 156.43%

100.00% 447.57% 821.08% 768.38%
100.00% 286.19% 334.37% 191.66%
100.00% 220.90% 302.32% 291.61%
100.00% 611.76% 447.06% 157.35%
100.00% 1082.78% 1242.38% 1349.48%
51.29%
1426.83%
25.93%
867.07%
115.76%
453.66%
101.15%
175.61%
100.00% 410.03% 293.41% 314.12%

100.00% 1437.80% 1715.85% 1480.39%
167.62%
Total provisions
457.58%
Depreciation (net of transfer from reval reserves) 82.79%
137.37%
159.35%
70.82%
114.91%
127.44%
71.24%
136.48%
79.37%
96.62%
100.00%
100.00%
100.00%
Total income
Interest income
216.13%
216.36%
229.61%
188.77%
191.59%
200.33%
Dividends
Other income
Total expenses
90.12%
7.37%
1977.69%

Interest paid
Indirect taxes
Rent & lease rent
Directors' fees
Travel expenses
Amortisation
136.23%
309.75%
51.09%
159.25%
444.28%
114.57%
155.25%
331.71%
84.18%
Profit after tax
205.54%
201.07%
220.48%
178.98%
137.29%
135.12%
130.86%
127.85%
100.00%
212.11%
244.86%
522.63%
49.07%
282.31%
210.96%
458.39%
PBT
202.50%
192.27%
135.82%
128.81%
100.00%
245.90%
106.18%
214.46%
Dena Bank
Currency: Rs. Crore (Non-Annualised)
Mar-07
12 mths
Mar-08
12 mths
Mar-09
12 mths
Mar-10
12 mths
Mar-11
12 mths
BOM
Mar-11
12 mths
Industry Average
Mar-11
12 mths
Mar-11
12 mths
Net cash flow from operating activities
-2293
330.39
825.37
67.86
0
0
524.64
0
232.87
759.743333
544.178056
51.1148148
46.3362963
0
309.496667
52.1568519
113.55
3030.12
898.6
552.8
33.41
28.28
0
346.39
0
144.72
10.45
39.21
37.07
79.7
0
0
4.52907407
53.8247222
0.05898148
19.3596296
1.33027778
10.8087963
21.1137037
1.15333333
0
0
1,847.57
1,041.40
1,442.86
2,671.13
-16.86
366.26
471.99
497.59
703.79
742.14
195.08
194.17
337.89
420.53
655.93
59.8
57.78
42.6
42.35
49.52
Amortisation and w. offs
Unrealised foreign exchange loss
87.54
66.23
190.84
25.36
492.86
16.83
47.34
70.16
104.45
107.74
Loss on sale of assets
Other non-cash and non-operating expenses
Net profit before tax & extra-ordinary income

Add: Adjustments for non-cash and non-operating expenses
Depreciation
Provision for contingencies

Other provisions like RDD etc.
Interest Paid
Unrealised foreign exchange gain
Provision or liabilities written back
10.23
39.16
36.82
79.49
0
4.17
0
3.79
Interest income
Dividend income
Profit on sale of investments
Profit or loss on sale of assets
0.22
0.05
0.25
0.21
561.34
655.71
796.27
1,087.25
1,318.37
5042.28
-31.19
6,602.66
5,679.17
5,512.39
5,964.23
4,600.04
12865.34
3540.7
949.07
254.58
Less: Adjstments for non-cash and non-operating income
Operating cash flow before working capital changes
Add:Cash inflow due to

Increase in trade & other payables
Increase in deposits
5,653.59
5,440.05
5,453.37
5,964.23
4,345.46
Decrease in advances
Increase in other current liabilities
239.12
59.02
5,197.60
5,106.09
4,639.12
4,093.53
5,795.25
Increase in inventories
Decrease in trade & other payables
504.47
30.94
67.8
Decrease in deposits (banks or fis)
Less: Cash outflow due to
0
0
0 6379.38444
12865.34 3540.7
0
0
0 452.226204
0
0 5107.07667
10944.21 6741.4 9.22351852
0
0 200.604907
838.68
117.7
0
0
0 4897.24824
Increase in advances (banks or fis)

Decrease in other current liabilities
4,751.81
4,601.62
4,608.18
4,006.06
4,949.73
445.79
19.67
845.52
1,966.40
1,228.79
1,669.54
2,957.95
123.16
118.83
187.39
226.68
286.82
140.02
Cash inflow due to direct taxes refund
Cash outflow due to dividend tax paid
Cash flow generated from operations

Cash outflow due to direct taxes paid
Cash flow before extraordinary items
1,847.57
1,041.40
1,442.86
2,671.13
-16.86
Cash outflow due to extraordinary items
Cash inflow due to extraordinary items
-1,331.04
-1,483.03
-3,090.22
-131.44
-1,482.08
1,331.04
1,483.03
3,090.22
131.44
1,482.08
30.28
47.39
53.78
51.81
58.24
Net cash inflow from investing activities

Less: Cash outflow due to investing activities
Purchase of fixed assets
Acquisition or merger of companies or units
1,300.76
1,435.64
3,036.44
79.63
1,423.84
Sale of fixed assets
Decrease in capital work in progress
Merger or hiving off of companies or units
Net cash inflow or (outflow) from financing activities
563.39
909.33
883.98
-1,702.93
1,459.76
Less: Cash outflow due to financing activities
144.31
172.28
146.57
1,802.93
155.53
Interest paid
47.34
70.16
104.45
107.74
113.55
Dividend paid
36.97
42.12
42.12
42.12
41.98
60
60
1,653.07
Repayment of long term liabilities
Repayment of short term liabilities
1,081.61
1,030.55
100.00
1,615.29
Purchase of investments
Disbursements
Add: Cash inflow due to investing activities
Loans from other companies

Interest received
Issue expenses
Repayment of borrowings
Cash (outflow) due to redemption or buyback of capital
Cash inflow or (outflow) due to other cash receipts or payables from financing activities
Add: Cash inflow from financing activities
Proceeds from share issue
707.70
581.34
9638.04 6566.1
0
467.49
57.66 2974.63065
3368.36 -2045 287.990741
338.24 233.41
0
0
0 4.56083333
0
14.64 2682.07907
3030.12 -2293
0
0
0
8.8087963
0
0 -0.14611111
-3192.74 -1253.4 2803.69806
3193.55 1253.4 74.6682407
42.97
86.17 0.42083333
0
0 2728.60898
3150.58 1167.2
0
0
0 138.777407
0.81
0 5.84925926
0.74
0
0
0.07
0
0
0
0 120.571019
1.54833333
10.8087963
456.91 901.24 581.459259
211.83 486.47
0
0
0 91.9686111
144.72 232.87 92.6502778
67.11
86.1 372.649167
0
167.5 11.7107407
0
167.5
0
0
0 0.24222222
0
0 23.9489815
999.477315
668.74 1387.7 159.378426
539
940
0
Cash Subsidy
Proceeds from borrowings
707.70
1,081.61
1,030.55
100.00
1,033.95
Other cash receipts or payables from financing activities
Net increase or (decrease) in cash & cash equivalents
1,079.92
467.70
-763.38
836.76
-39.18
Cash & bank - opening balance
1,358.47
2,438.39
2,906.09
2,142.71
2,979.47
Cash & bank - closing balance
2,438.39
2,906.09
2,142.71
2,979.47
2,940.29
Net increase or (decrease) in cash & cash equivalents(cl-op)
1,079.92
467.70
-763.38
836.76
-39.18
0
129.74
0
294.29
5114.52
5408.81
294.29
0
447.71
0
-2645.2
6694.6
4049.4
-2645.2
840.098889
165.276389
444.131389
4664.15676
5108.28815
444.131389
4664.15676
dustry Average
Commonsize State Bank Of Mysore

Mar-07
12 mths
Mar-08
12 mths
Mar-09
12 mths
Dena Bank BOM
Mar-10
12 mths
Mar-11
12 mths
Mar-11
12 mths
Mar-11
12 mths

Depreciation
Interest Paid
Interest income
Dividend income

171.08% 222.66% -189.01%

33.92% 100.92% -65.18%
18.06%
41.52% -44.26%
5.54%
12.35%
-5.58%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.11%
14.16% -25.00%
0.00%
0.00%
0.00%
4.38%
15.00% -13.68%
0.37%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
2.23%
-5.14%
0.00%
0.00%
0.00%
0.00%
2.19%
-5.13%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.05%
-0.01%
51.98% 140.20% -104.31%
0.00%
0.00%
0.00%
611.40% 1214.28% -722.10%
87.88%
0.00%
0.00%
523.52% 1163.15% -714.37%
0.00%
0.00%
0.00%
0.00%
51.13%
-7.73%
481.29% 1091.74% -607.71%
0.00%
0.00%
0.00%
0.00% 107.86%
-4.05%
0.00%
0.00%
0.00%
319.22%
84.11%
50.26%
5.06%
0.00%
0.00%
3.03%
2.01%
12.88%
0.00%
0.00%
4.43%
0.00%
4.40%
0.00%
0.00%
0.00%
0.03%
129.94%
0.00%
712.78%
0.00%
712.78%
0.00%
0.00%
489.21%
0.00%
8.10%
0.00%
43.03%
-1894.18%
-1674.14%
-126.39%
0.00%
0.00%
-1257.94%
0.00%
-289.82%
0.00%
0.00%
-203.42%
0.00%
-202.88%
0.00%
0.00%
0.00%
-0.54%
-3364.91%
0.00%
-11740.79%
-649.77%
-11091.02%
0.00%
0.00%
-14791.35%
0.00%
0.00%
0.00%
1029.64% 86.69%
305.35% -12.49%
187.84% -31.20%
11.35%
-2.57%
9.61%
0.00%
0.00%
0.00%
117.70% -19.83%
0.00%
0.00%
49.18%
-8.80%
0.00%
0.00%
0.00%
0.00%
1.42%
0.00%
0.00%
0.00%
1.29%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
1713.37%
1.18%
0.00%
0.00%
4371.65% -133.85%
0.00%
0.00%
4371.65% -133.85%
0.00%
0.00%
0.00%
0.00%
3718.85% -254.86%
0.00%
0.00%
284.98%
-4.45%
0.00%
0.00%
440.02% 983.88%
41.28%
0.00%
182.09% 262.73%
11.00%
40.07%
0.00%
0.00%
0.00%
0.00%
171.08% 222.66%
0.00%
0.00%
0.00%
0.00%
-123.25% -317.09%
123.25% 317.09%
2.80%
10.13%
0.00%
0.00%
120.45% 306.96%
Disbursements
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Interest received
0.00%
0.00%
52.17% 194.43%
13.36%
36.84%
Issue expenses
0.00%
0.00%
Interest paid
4.38%
15.00%
Dividend paid
3.42%
9.01%
5.56%
12.83%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Cash inflow or (outflow) due to other cash receipts or payables from financing
0.00%
activities 0.00%
65.53% 231.26%
0.00%
0.00%
-603.65%
0.00%
-218.70%
-29.69%
0.00%
0.00%
-189.01%
0.00%
0.00%
404.81%
-404.81%
-7.04%
0.00%
-397.76%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
-115.80%
-19.20%
0.00%
-13.68%
-5.52%
0.00%
0.00%
0.00%
0.00%
0.00%
-135.00%
0.00%
478.76%
2.35%
353.50%
34.28%
0.00%
0.00%
319.22%
0.00%
0.00%
-15.71%
15.71%
6.19%
0.00%
9.52%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
-203.51%
215.47%
0.00%
12.88%
5.03%
197.56%
0.00%
0.00%
0.00%
0.00%
11.95%
0.00%
-12633.31% 3275.01% -248.23%

-2158.04%
158.85%
-2.18%
-314.34% 1144.57% 77.31%
-357.38%
114.93%
-8.82%
0.00%
0.00%
0.00%
0.00%
0.00%
-0.55%
43.03% 1029.64% 86.69%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
3782.75% -1084.90% 47.38%
-3782.75% 1085.17% -47.38%
-148.65%
14.60%
-3.26%
0.00%
0.00%
0.00%
-3634.10% 1070.57% -44.13%
0.00%
0.00%
0.00%
0.00%
0.28%
0.00%
0.00%
0.25%
0.00%
0.00%
0.02%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
-3725.78%
155.26% -34.07%
-396.96%
71.98% -18.39%
0.00%
0.00%
0.00%
-289.82%
49.18%
-8.80%
-107.15%
22.80%
-3.25%
0.00%
0.00%
-6.33%
0.00%
0.00%
-6.33%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
-4122.74%
227.24% -52.46%
-1483.77%
183.15% -35.54%
Cash Subsidy
0.00%
65.53%
0.00%
100.00%
125.79%
225.79%
100%
0.00%
0.00%
231.26% -135.00%
0.00%
0.00%
100.00% 100.00%
521.36% -380.69%
621.36% -280.69%
100%
100%
0.00%
11.95%
0.00%
100.00%
256.07%
356.07%
100%
0.00%
-2638.97%
0.00%
100.00%
-7604.57%
-7504.57%
100%
0.00%
0.00%
44.09% -16.93%
0.00%
0.00%
100.00% 100.00%
1737.92% -253.08%
1837.92% -153.08%
100%
100%
Industry Avg
Mar-11 State Bank Of Mysore
12 mths
Dena Bank BOM
Trend Analysis State Bank Of Mysore
Mar-07 Mar-08
Mar-09
12 mths 12 mths 12 mths
Mar-10
12 mths
Mar-11
12 mths
Mar-11
12 mths
Industry Avg
Mar-11
12 mths
Mar-11
12 mths
16.29%
11.67%
1.10%
0.99%
0.00%
6.64%
1.12%
0.00%
0.00%
0.10%
1.15%
0.00%
0.42%
0.03%
0.23%
0.45%
0.02%
0.00%
0.00%
0.00%
0.00%
136.77%
0.00%
9.70%
109.50%
0.20%
4.30%
0.00%
105.00%
100%
56%
78%
145%
-1%
164%
-124%
41%
100%
129%
136%
192%
203%
245%
90%
149%
100%
100%
173%
216%
336%
283%
423%
26%
100%
97%
71%
71%
83%
56%
113%
77%
100%
76%
218%
29%
563%
396%
599%
60%
Interest Paid
100%
148%
221%
228%
240%
306%
492%
0%
100%
0%
0%
0%
0%
0%
0%
113%
100%
117%
142%
194%
235%
898%
-6%
0%
100%
86%
83%
90%
70%
195%
54%
0%
100%
0%
0%
0%
27%
0%
0%
672%
100%
96%
96%
105%
77%
228%
63%
0%
100%
98%
89%
79%
111%
211%
130%
0%

Depreciation

Interest income
Dividend income
0.00%
63.78%
6.17%
0.00%
0.10%
57.50%
0.00%
0.19%
0.00%
60.11%
1.60%
0.01%
58.50%
0.00%
2.98%
0.13%
0.00%
0.00%
2.59%
0.03%
0.23%
12.47%
0.00%
1.97%
1.99%
7.99%
0.25%
0.00%
0.01%
0.51%
21.43%
3.42%
0.00%
100%
138%
0%
100%
0%
100%
62%
105%
13%
667%
171%
-104%
15%
100%
158%
118%
285%
196%
0%
100%
145%
-1%
164%
-124%
0%
232%
10%
111%
240%
94%
6%
157%
178%
171%
192%
142%
285%
1%
100%
110%
233%
6%
109%
242%
90%
0%
100%
161%
157%
-302%
259%
81%
160%
103%
100%
119%
102%
1249%
108%
147%
337%
0%
Interest paid
100%
148%
221%
228%
240%
306%
492%
196%
Dividend paid
100%
114%
114%
114%
114%
182%
233%
1008%
100%
100%
0%
2755%
0%
0%
279%
20%
146%
14%
228%
94%
196%
23%
97%
97%
84%
104%
203%
0%
4%
190%
85%
150%
6%
191%
241%
56%
78%
100%
111%
100%

Disbursements
Interest received
Issue expenses

Cash inflow or (outflow) due to other cash receipts or payables from financing activities
100%
153%
18.01%
3.54%
9.52%
100.00%
109.52%
9.52%
100%
Cash Subsidy
100%
153%
146%
14%
146%
18%
63%
23%
100%
43%
-71%
77%
-4%
27%
-245%
432%
100%
179%
214%
158%
219%
376%
493%
376%
100%
119%
88%
122%
121%
222%
166%
18%
100%
43%
-71%
77%
-4%
27%
-245%
432%
Industry Avg
Balance Sheet of Dena Bank

------------------- in Rs. Cr. ------------------Mar '11
Mar '10
Mar '09
12 mths
12 mths
12 mths
Total Share Capital
Reserves
Net Worth
Deposits
Borrowings
Total Debt
Total Liabilities
333.39
333.39
0
0
3,125.79
196.74
3,655.92
64,209.62
1,691.66
65,901.28
1,281.22
70,838.42
Mar '11
12 mths
Assets
4,721.41
687.4
Advances
44,828.05
Investments
18,768.91
Gross Block
888
484.4
Net Block
403.6
0.15
Other Assets
1,428.91
Total Assets
70,838.43
Contingent Liabilities
12,523.97
286.82
286.82
0
0
2,106.23
208.64
2,601.69
51,344.28
1,561.92
52,906.20
2,078.70
57,586.59
Mar '10
12 mths
4,355.03
759.49
35,462.44
15,694.23
828.95
421.89
407.06
0.22
908.11
57,586.58
11,330.45
286.82
286.82
0
0
1,662.09
221.59
2,170.50
43,050.61
52.13
43,102.74
3,187.27
48,460.51
Mar '09
12 mths
4,982.41
874.71
28,877.96
12,473.08
798.33
393.26
405.07
0.09
847.2
48,460.52
10,019.53
Mar '08
12 mths
Mar '07
12 mths
286.82
286.82
0
0
1,279.69
234.15
1,800.66
33,943.18
394.62
34,337.80
2,503.27
38,641.73
Mar '08
12 mths
3,533.01
504.64
23,023.98
10,282.98
781.65
369.71
411.94
0.09
885.09
38,641.73
13,372.10
286.82
286.82
0
0
953.46
256.12
1,496.40
27,689.91
450.95
28,140.86
1,813.39
31,450.65
Mar '07
12 mths
1,957.33
861.36
18,303.39
9,235.05
781.88
340.07
441.81
0.07
651.64
31,450.65
12,366.68
Bills for collection

Book Value (Rs)
6,271.84
103.76
22,326.00
83.43
4,514.21
67.95
3,228.19
54.62
4,064.76
43.24
z-score
Calculation of X1:
Current Assets
Current Liabilities
Net Working Capital
Total Assets
X1
1,410.23
1,815.72
-405.49
12,662.79
-0.03
666.2
617.7 610.72
815.59
1,589.63 2,536.89 2,497.96 2,689.05
-923.43
-1919.19
-1887.24
-1873.46
10,712.08 9,590.20 6,638.51 5,249.67

-0.09
-0.20
-0.28
-0.36
Calculation of X2:
Reserves and Surplus
Total Assets
X2
3,052.67
12,662.79
0.24
2,037.40 1,635.11 1,341.81 1,105.33

10,712.08 9,590.20 6,638.51 5,249.67
0.19
0.17
0.20
0.21
Calculation of X3:
PBIT
Total Assets
X3
757.92
12662.79
0.06
930.07
10712.08
0.09
576.41 560.34
9590.2 6638.51
0.06
0.08
464.84
5249.67
0.09
Calculation of X4:
Share Prices
Total No. of Shares
Market Value of Equity
Book Value of Total Liabilities
X4
653
46799790
3056.03
1,815.72
1.68
556.55
46799790
289.28 655.28
449.37
3.6E+07 3.6E+07 3600000
2604.64
1041.41
2359.01
161.77
1,589.63 2,536.89 2,497.96 2,689.05

1.64
0.41
0.94
0.06
Calculation of X5:
Sales
Total Assets
X5
Z-Score
4,498
12662.79
3,991
10712.08
3,634
2,831
9590.2 6638.51
2,057
5249.67
0.36
0.37
0.38
0.43
0.39
1.86
1.81
0.82
1.21
0.59
31st March
1- OPERATIONAL
EFFICIENCY/OPERATING
PERFORMANCE :
a) Net Interest Margin
2011
2010
2009
2008
#DIV/0!
#DIV/0!
#DIV/0!
2.78%
b) Operating Profit Margin
24.68%
48.28%
-92.55%
57.94%
c) Cost to Income Ratio
75.32%
51.72%
192.55%
42.06%
d) Other Income to Total Income
-0.85%
-0.51%
4.33%
0.50%
0.00%
#DIV/0!
0.00%
#DIV/0!
0.00%
1779.99%
1761.13%
2328.18%
e) Cost of Deposits
f) Advances Yield
2.84%
0.00%
g) Return on Average Assets (ROAA)
0.06%
h) Return on Average Net Worth
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
22.61%
i) Interest Income Per Employee
0.13
0.17
0.21
0.19
j) Business Per Employee
0.00
0.00
0.00
7.62
k) Profits Per Employee
0.01
0.01
0.01
3.21
l) Business Per Branch
63.81
25.01
0.00
0.00
12.06%
10.26%
12.05%
12.78%
70.13%
2- CAPITAL
ADEQUACY/SOLVENCY/LEVERAGE
a) Capital Adequacy Ratio
b) Credit/Deposit Ratio
c) Debt Equity Ratio
67.57%
#DIV/0!
#DIV/0!
65.62%
#DIV/0!
63.68%
#DIV/0!
d) G-Secs to Investments
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
e) G-Secs to Assets
4408.33%
1792.34%
706.89%
790.17%
1787
1487
1265
2168
2.25%
1.51%
1.18%
3- ASSET QUALITY
a) Non-Performing Assets (Gross)
b) Non-Performing Assets (Gross) %
1.57%
c) Non-Performing Assets (Net)
890
926
901
1507
d) Non-Performing Assets (Net)
1.12%
0.94%
0.84%
50.22%
37.75%
28.81%
1.09%
30.49%
27.78%
17.09%
17.57%
45039.20%
65022.95%
78925.05%
1792.34%
706.89%
790.17%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
4408.33%
1792.34%
706.89%
790.17%
e) Provision Coverage Ratio

f) Advances Growth
g) Contingent Liabilities/Total Assets
34182.77%
4- LIQUIDITY
a) Liquid Asset/Total Asset

b) Cash Assets/Total Assets
c) Investments/Total Assets
d) G-Secc / Total Assets
5- MARKET RATIO
a) Earning Per share (basic) (Rs.)
b) EPS (Dilted) (Rs.)
#DIV/0!
#DIV/0!
32.76
#DIV/0!
34.65
#DIV/0!
38.17
50.55
c) Cash flow per share (Rs.)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
d) EBITDA Per share (Rs.)
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
e) book value Per Share (Rs.)

f) Price to Earning
171.19
197.83
202.33
244.87
0.00
0.00
0.00
0.00
g) Price to Book Value
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
h) Dividend Pay out

i) Dividend yield
489.89%
#DIV/0!
2070.47%
#DIV/0!
-1242.90%
#DIV/0!
-209.04%
#DIV/0!
2007
BOB-2010
#DIV/0!
2012 ESTIMATED
2.74%
#DIV/0!
34.85%
45.33%
86.80%
65.15%
54.67%
13.20%
0.77%
-0.73%
0.00%
#DIV/0!
#VALUE!
4.90%
8.55%
#DIV/0!
0.00%
3243.08%
1.21%
5995.37%
26.76%
22.19%
0.28
0.26
0.13
8.25
10.68
0.00
#DIV/0!
2.38
0.08
0.00
74.43
132.17
18.58
13.35%
12.84%
70.13%
#DIV/0!
#DIV/0!
69.82%
#DIV/0!
#DIV/0!
70.09%
#DIV/0!
0.00%
10719.40%
2590
2401
1.53%
1.37%
1800
602
28000.00%
1.06%
0.34%
30.50%
74.91%
16.29%
22.19%
93397.58%
89566.08%
0.00%
10719.40%
28000.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
10719.40%
28000.00%
#DIV/0!
73.69
#DIV/0!
321.92%
#DIV/0!
83.96
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
305.83
378.44
0.00
0.00
#DIV/0!
-1119.01%
#DIV/0!
#DIV/0!
0.00
#DIV/0!
99.43%
#DIV/0!
1886.36%
#DIV/0!
INDUSTRY AVG.
2.55%
5.64%
9.18%
1.00%
12.10%
73.16%
17.50
83.58%
22.70%
1.95%
0.91%
19.60%
39.66%
36.00%
6.10%
27.13%
22.70%
Dena Bank
Commonsize
Mar '11
12 mths
Mar '10
12 mths
Mar '09
12 mths
Mar '08
12 mths
Mar '07
12 mths
Mar '11

Total Share Capital
Reserves
Net Worth
Deposits
Borrowings
Total Debt
Total Liabilities
0.09%
0.09%
0.08%
0.08%
0.09%
0.09%
0.11%
0.11%
0.13%
0.13%
0.47%
0.47%
0.00%
5.87%
1.12%
7.08%
83.07%
6.36%
89.43%
3.49%
100.00%
0.00%
4.49%
1.30%
5.87%
85.62%
5.01%
90.63%
3.50%
100.00%
0.00%
4.04%
1.48%
5.61%
81.30%
6.82%
88.12%
6.27%
100.00%
0.00%
4.06%
0.00%
4.17%
83.04%
5.24%
88.28%
7.55%
100.00%
0.00%
4.12%
0.00%
4.25%
82.04%
3.69%
85.73%
10.02%
100.00%
0.00%
4.41%
0.28%
5.16%
90.64%
2.39%
93.03%
1.81%
100.00%
Assets
Advances
Investments
Gross Block
Net Block
Other Assets
Total Assets
5.20%
0.45%
65.40%
24.84%
2.17%
0.77%
1.39%
0.00%
2.71%
100.00%
6.09%
0.47%
65.04%
25.31%
2.44%
0.82%
1.61%
0.00%
1.47%
100.00%
4.29%
1.01%
63.27%
28.10%
2.62%
0.81%
1.81%
0.00%
1.53%
100.00%
8.05%
9.19%
790.03%
315.71%
15.28%
10.65%
4.62%
0.00%
22.95%
100.00%
7.81%
16.36%
785.71%
333.54%
17.54%
11.17%
6.37%
0.00%
38.92%
100.00%
6.67%
0.97%
63.28%
26.50%
1.25%
0.68%
0.57%
0.00%
2.02%
100.00%
BOM
Industry
Mar '11
1.40%
0.63%
0.35%
0.35%
0.77%
3.22%
0.58%
5.19%
87.44%
4.02%
91.47%
3.34%
100.00%
0.00%
6.06%
0.00%
6.42%
80.03%
8.89%
88.92%
4.66%
100.00%
5.03%
0.27%
61.33%
29.42%
1.73%
0.85%
0.87%
0.00%
3.08%
100.00%
0.00%
0.00%
70.53%
25.94%
0.74%
0.00%
0.00%
0.00%
2.79%
100.00%
4- LIQUIDITY
Mar '11

Balance with Banks, Money at
Call
Investment in instruments of
govt. & local bodies
Total Assets
a) Liquid Asset/Total Asset
b) Cash Assets/Total Assets
Investments
c) Investments/Total Assets
G-sec
d) G-Secc / Total Assets
2- CAPITAL
ADEQUACY/SOLVENCY/LEVERA
GE
Capital Adequacy ratios

Reserves
Total Debt
Balance with Banks, Money at
Call
Investment in instruments of
govt. & local bodies
Loans
Other Assets
Capital Adequacy ratios
Mar '10
Mar '09
2,705.68
2,765.62
1,735.05
234.6
213.85
407.66
11,420.64
10,661.30
9,928.28
52,032.46
28%
24%
12,927.14
25%
45,408.93
30%
26%
11,494.41
25%
40,485.79
30%
17%
11,377.96
28%
11,420.64
10,661.30
9,928.28
22%
23%
25%
Mar '11
Mar '10
Mar '09
46.8
3,052.67
46533.42
2,705.68
36
2,037.40
41154.01
2,765.62
36
1,635.11
35677.85
1,735.05
234.6
213.85
407.66
11,420.64
10,661.30
9,928.28
34,159.84
29,698.12
25,782.86
1,410.23
13.76
666.2
12.42
617.7
13.38
34,029.81
43,225.47
79%
29,535.86
38,880.00
76%
25,616.05
32,915.77
78%
46,533.42
46.8
3,052.67
15.01
41,154.01
36
2,037.40
19.85
35,677.85
36
1,635.11
21.35
11,420.64
10,661.30
9,928.28
12,927.14
88%
22%
11,494.41
93%
23%
11,377.96
87%
25%
b) Credit/Deposit Ratio
Advances
Deposits
Credit/Deposit Ratio
Total Debt
Total Share Capital
Reserves
G-sec
Investments
e) G-Secs to Assets
1- OPERATIONAL
EFFICIENCY/OPERATING
PERFORMANCE :
a) Net Interest Margin
Interest income
4,079.08
3,558.93
3,247.27
Interest paid
2,443.08
2,322.36
2,409.02
34,029.81
5%
29,535.86
4%
25,616.05
3%
Total income
4,606.16
4,022.95
3,762.52
Total expenses
4,107.04
3,578.68
3,427.11
11%
11%
9%
Total expenses
4,107.04
3,578.68
3,427.11
Interest paid
2,443.08
2,322.36
2,409.02
1,663.96
1,256.32
1,018.09
4,606.16
4,022.95
3,762.52
89%
89%
91%
3.18
17.01
8.35
4,606.16
4,022.95
3,762.52
0.07%
0.42%
0.22%
2,443.08
2,322.36
2,409.02
43,225.47
6%
38,880.00
6%
32,915.77
7%
Advances
NIM
Operating expenses
Total income
c) Cost to Income Ratio

Other income
Total income

e) Cost of Deposits
Interest paid
Deposits
e) Cost of Deposits
f) Advances Yield
Interest income
4,079.08
3,558.93
3,247.27
34,029.81
12%
29,535.86
12%
25,616.05
13%
Profit after tax
499.12
444.27
335.41
Total Assets
52,032.46
45,408.93
40,485.79
0.96%
0.98%
0.83%
Advances
f) Advances Yield
g) Return on Average Assets
(ROAA)
g) Return on Average Assets

(ROAA)
Profit after tax
Reserves
Total Share Capital
499.12
444.27
335.41
3,052.67
46.8
2,037.40
36
1,635.11
36
16%
21%
20%
4,079.08
3,558.93
3,247.27

Interest income
No of employees
9,720.00
9,720.00
9,720.00
42%
37%
33%
43,225.47
34,029.81
38,880.00
29,535.86
32,915.77
25,616.05
9,720.00
9,720.00
9,720.00
7.95
7.04
6.02
Deposits
Advances
No of employees
Profit after tax
499.12
444.27
335.41
9,720.00
9,720.00
9,720.00
5%
5%
3%
43,225.47
34,029.81
682
113.28
38,880.00
29,535.86
682
100.32
32,915.77
25,616.05
682
85.82
a) Earning Per share (basic) (Rs.)
107.18
123.82
93.59
a) Earning Per share (diluted) (Rs.)

107.18
123.82
93.59
49.51
42.35
42.6
No of employees
Deposits
Advances
No of Branches
5- MARKET RATIO

Profit after tax
No of shares
PBT
Interest paid
EBITA
EBIDTA
No of shares
e) book value Per Share (Rs.)
499.12
444.27
335.41
46799790
117.23
36000000
135.17
36000000
105.00
739.66
702.30
496.08
2,443.08
2,322.36
2,409.02
3,182.74
3,024.66
2,905.10
49.51
42.35
42.6
3,232.25
46799790
690.65
662.28
3,067.01
36000000
851.95
575.94
2,947.70
36000000
818.81
464.2
653
107.18
6.09
556.55
123.82
4.49
289.28
93.59
3.09
653
662.28
99%
556.55
575.94
97%
289.28
464.2
62%
10.86
9.41
12.5
f) Price to Earning
Market Price of shares
EPS
f) Price to Earning
book value Per Share (Rs.)
h)Dividend payout ratio (net

profit)
i)Dividend Yield
Dividend per share

i)Dividend Yield
10
653
1.53
10
556.55
1.80
10
289.28
3.46
45,408.93
40,485.79
33,069.71
1472.52
935.42
574.90
2.83
2.06
1.42
738.86
1.42
99%
15%
340.57
0.75
175%
15%
336.03
0.83
71%
22%
13,333.64
52,032.46
20,057.35
45,408.93
17,073.90
40,485.79
26%
44%
42%
3- ASSET QUALITY
52,032.46
a) Non-Performing Assets (Gross)
b) Non-Performing Assets (Gross)
%
c) Non-Performing Assets (Net)
d)Net NPA%
e) Provision Coverage Ratio
f)Advances Growth
g) Contingent Liabilities/Total
Assets
Contingent Liabilities
Total Assets
g) Contingent Liabilities/Total
Assets
Mar '08
Mar '07
2,661.55
2,095.63
244.54
342.76
7,808.29
6,506.61
33,069.71
32%
34%
8,402.76
25%
26,842.66
33%
32%
6,989.75
26%
7,808.29
6,506.61
24%
24%
Mar '08
36.00%
6.10%
27.13%
22.70%
Bank Of
Maharash
tra
Mar '07
36
1,341.81
29193.93
2,661.55
36
1,105.33
23012.27
2,095.63
244.54
342.76
7,808.29
6,506.61
21,142.89
16,547.04
610.72
11.73
815.59
11.47
12.10%
21,027.15
27,462.40
77%
16,465.54
22,022.35
75%
73.16%
29,193.93
36
1,341.81
21.19
23,012.27
36
1,105.33
20.16
17.50
7,808.29
6,506.61
8,402.76
93%
24%
6,989.75
93%
24%
83.58%
22.70%
2,494.39
1,776.49
1,732.10
1,092.91
21,027.15
4%
16,465.54
4%
2,926.75
2,131.15
2,609.40
1,882.92
11%
12%
2,609.40
1,882.92
1,732.10
1,092.91
877.30
790.01
2,926.75
2,131.15
89%
88%
41.86
43.12
2,926.75
2,131.15
1.43%
2.02%
1,732.10
1,092.91
27,462.40
6%
22,022.35
5%
2,494.39
1,776.49
21,027.15
12%
16,465.54
11%
317.35
248.23
33,069.71
26,842.66
0.96%
0.92%
317.35
248.23
1,341.81
36
1,105.33
36
23%
22%
2,494.39
1,776.49
2.55%
5.64%
9.18%
1.00%
9,720.00
9,720.00
26%
18%
27,462.40
21,027.15
22,022.35
16,465.54
9,720.00
9,720.00
4.99
3.96
317.35
248.23
9,720.00
9,720.00
3%
3%
27,462.40
21,027.15
682
71.10
22,022.35
16,465.54
682
56.43
885.71
692.3
885.71
692.3
57.78
59.8
317.35
248.23
3600000
1042.03
3600000
855.64
470.49
365.26
1,732.10
1,092.91
2,202.59
1,458.17
57.78
59.8
2,260.37
3600000
6278.81
3,827.26
1,517.97
3600000
4216.58
3,170.36
655.28
885.71
0.74
449.37
692.3
0.65
655.28
3,827.26
17%
449.37
3,170.36
14%
13.2
16.89
100
655.28
15.26
100
449.37
22.25
26,842.66
760.60
697.91
2.30
2.60
330.70
1.00
130%
28%
343.59
1.28
103%
20%
12,871.72
33,069.71
5,969.40
26,842.66
39%
22%
1.95%
0.91%
19.60%
39.66%
SBM Commonsize
Mar-11
12 mths
Mar-10
12 mths
Mar-09
12 mths
Dena
Mar-08
12 mths
Mar-07
12 mths
Mar-11
12 mths
100.00%
97.85%
88.56%
0.00%
1.30%
0.07%
2.08%
100.00%
99.21%
88.47%
0.00%
2.69%
0.42%
0.37%
100.00%
98.32%
86.31%
0.00%
4.40%
0.22%
1.45%
100.00%
98.21%
85.23%
0.00%
3.71%
1.43%
0.36%
100.00%
97.75%
83.36%
0.00%
3.13%
2.02%
0.23%
100.00%
94.60%
90.17%
0.50%
1.37%
5.14%
0.26%
89.16%
88.96%
91.09%
89.16%
88.35%
89.04%
53.04%
53.04%
0.00%
11.97%
57.73%
57.73%
0.00%
12.85%
64.03%
64.03%
0.00%
11.61%
59.18%
59.18%
0.00%
12.22%
51.28%
51.28%
0.00%
14.95%
58.58%
58.58%
0.00%
12.33%
1.84%
0.09%
0.78%
0.32%
0.00%
0.13%
0.00%
0.08%
0.25%
1.78%
0.14%
0.78%
0.31%
0.01%
0.10%
0.00%
0.04%
0.18%
1.79%
0.16%
0.78%
0.27%
0.01%
0.12%
0.00%
0.21%
0.10%
1.51%
0.17%
0.81%
0.31%
0.01%
0.07%
0.00%
0.24%
0.05%
2.39%
0.17%
0.92%
0.30%
0.01%
0.07%
0.00%
0.33%
0.04%
1.45%
0.30%
1.01%
0.26%
0.02%
0.29%
0.00%
0.51%
0.21%
3.44%
Total provisions
10.90%
1.07%
Amortisation
0.00%
5.22%
Profit after tax
10.84%
3.23%
4.35%
1.05%
0.00%
6.41%
11.04%
2.89%
3.72%
1.13%
0.00%
4.27%
8.91%
4.41%
2.98%
1.97%
0.00%
5.23%
10.84%
4.43%
5.15%
2.81%
0.00%
5.49%
11.65%
2.31%
6.09%
0.55%
0.00%
5.13%
10.96%
16.06%
17.46%
13.18%
16.08%
17.14%
16.09%
Total income
Interest income
Dividends
Other income
Total expenses
Interest paid
Indirect taxes
Rent & lease rent
Directors' fees
Travel expenses
PBT
BOM
Mar-11
12 mths
Industry
Mar-11
12 mths
100.00%
97.64%
90.92%
0.03%
1.61%
1.98%
3.81%
100.00%
97.45%
82.74%
0.40%
5.99%
2.09%
0.46%
94.64%
88.69%
58.45%
58.37%
0.08%
17.15%
54.74%
54.17%
0.55%
11.20%
1.61%
0.49%
1.07%
0.32%
0.01%
0.30%
0.00%
0.33%
0.23%
1.68%
0.60%
0.80%
0.40%
0.01%
0.43%
0.02%
0.46%
0.26%
2.44%
7.92%
1.11%
2.26%
0.93%
5.36%
3.09%
7.68%
1.06%
0.10%
5.21%
11.31%
6.30%
16.52%

Mar '11
Total Share Capital
Reserves
Net Worth
Deposits
Borrowings
Total Debt
Total Liabilities
Assets
Advances
Investments
Gross Block
Net Block
Other Assets
Total Assets
Dena Bank
Trend Analysis
Mar '10
Mar '09
Mar '08
Mar '07
Mar '11
130.00%
130.00%
0.00%
100.00%
100.00%
0.00%
100.00%
100.00%
0.00%
100.00%
100.00%
0.00%
100.00%
100.00%
0.00%
276.18%
0.00%
322.72%
196.28%
334.16%
202.21%
67.52%
193.84%
184.33%
0.00%
233.52%
176.55%
229.72%
178.84%
59.12%
169.17%
147.93%
0.00%
198.98%
149.47%
279.02%
155.04%
94.34%
150.83%
121.39%
0.00%
120.72%
124.70%
174.92%
126.86%
92.89%
123.20%
100.00%
0.00%
100.00%
100.00%
100.00%
100.00%
100.00%
100.00%
926.08%
926.08%
0.00%
0.00%
8682.75%
546.50%
10155.33%
178360.06%
4699.06%
183059.11%
3558.94%
196773.39%
129.11%
68.44%
206.67%
184.94%
306.81%
171.96%
543.52%
0.00%
172.91%
193.84%
131.97%
62.39%
179.38%
164.45%
301.23%
159.78%
549.51%
0.00%
81.68%
169.17%
82.79%
118.93%
155.57%
162.78%
288.49%
140.48%
548.29%
0.00%
75.74%
150.83%
127.00%
71.34%
127.70%
120.22%
110.62%
121.11%
92.20%
0.00%
74.88%
123.20%
100.00%
100.00%
100.00%
100.00%
100.00%
100.00%
100.00%
0.00%
100.00%
100.00%
225.30%
200.55%
272.25%
268.52%
241.61%
206.88%
302.57%
0.00%
175.20%
263.90%
BOM Industry
Mar '11
2971.42%
1338.08%
0.00%
1633.33%
6826.86%
1232.08%
11030.36%
185679.83%
8546.00%
194225.83%
7083.31%
212339.50%
1243.12%
1243.12%
0.00%
0.00%
21309.47%
0.00%
22552.58%
281227.90%
31243.78%
312471.67%
16390.48%
351414.73%
183.52%
59.33%
284.72%
321.77%
359.12%
278.93%
499.88%
0.00%
288.65%
284.78%
0.00%
0.00%
541.92%
469.42%
255.78%
0.00%
0.00%
0.00%
432.47%
471.30%

SBM Trendline
Dena
BOM
Industry
40603
40238
39873
39508
39142
40603
40603
40603
12 mths 12 mths 12 mths 12 mths 12 mths 12 mths 12 mths 12 mths
176.55%
177.59%
182.79%
137.33%
137.98%
140.41%
100.00%
100.00%
100.00%
261.93%
253.49%
283.34%
288.99%
288.67%
315.21%
222.56%
221.89%
220.91%
162.76% 248.77%
39.45%
19.36%
304.96% 1130.17%
163.02%
97.08%
215.91%
100.00%
100.00%
100.00%
114.68% 148.71%
666.00% 282.19%
297.11% 4842.98%
426.46%
229.91%
446.87%
218.12%
190.06%
182.01%
138.58%
100.00%
263.98%
309.54%
223.41%
223.54%
223.54%
212.49%
212.49%
220.42%
220.42%
158.49%
158.49%
100.00%
100.00%
299.22%
299.22%
329.37%
328.91%
237.55%
235.11%
173.00%
162.22%
137.18%
112.28%
100.00%
216.03%
331.51%
166.75%
166.30%
108.65%
182.54%
229.72%
94.12%
401.99%
140.72%
152.97%
159.54%
190.71%
135.29%
272.85%
131.88%
157.84%
149.64%
158.51%
117.65%
299.34%
86.85%
130.54%
120.66%
139.78%
88.24%
133.11%
100.00% 158.64% 193.98% 156.43%

100.00% 447.57% 821.08% 768.38%
100.00% 286.19% 334.37% 191.66%
100.00% 220.90% 302.32% 291.61%
100.00% 611.76% 447.06% 157.35%
100.00% 1082.78% 1242.38% 1349.48%
51.29%
1426.83%
25.93%
867.07%
115.76%
453.66%
101.15%
175.61%
100.00% 410.03% 293.41% 314.12%

100.00% 1437.80% 1715.85% 1480.39%
167.62%
Total provisions
457.58%
82.79%
137.37%
159.35%
70.82%
114.91%
127.44%
71.24%
136.48%
79.37%
96.62%
100.00%
100.00%
100.00%
Total income
Interest income
216.13%
216.36%
229.61%
188.77%
191.59%
200.33%
Dividends
Other income
Total expenses
90.12%
7.37%
1977.69%

Interest paid
Indirect taxes
Rent & lease rent
Directors' fees
Travel expenses
Amortisation
136.23%
309.75%
51.09%
159.25%
444.28%
114.57%
155.25%
331.71%
84.18%
Profit after tax
205.54%
201.07%
220.48%
178.98%
137.29%
135.12%
130.86%
127.85%
100.00%
212.11%
244.86%
522.63%
49.07%
282.31%
210.96%
458.39%
PBT
202.50%
192.27%
135.82%
128.81%
100.00%
245.90%
106.18%
214.46%

Balance Sheet Analysis

Enviado por

Dados do documento

Título original

Direitos autorais

Formatos disponíveis

Compartilhar este documento

Compartilhar ou incorporar documento

Opções de compartilhamento

Você considera este documento útil?

Este conteúdo é inapropriado?

Direitos autorais:

Formatos disponíveis

Balance Sheet Analysis

Enviado por

Direitos autorais:

Formatos disponíveis

Balance Sheet of State Bank of Mysore

------------------- in Rs. Cr. ------------------Mar '11

Dena Bank BOM

Balance Sheet of State Bank of Mysore

Profit & Loss account of State Bank

1,805.79 26,986.48 21,885.92

1,092.91 15,179.14 13,083.66

State Bank Of Mysore

Treasury operations expenses

Repairs & maintenance

Insurance premium paid

Outsourced professional jobs

Selling & distribution expenses

Printing & stationery expenses

Provision for direct tax

Profit after tax

Profit after tax

Provision for direct tax

100.00% 158.64% 193.98% 156.43%

100.00% 410.03% 293.41% 314.12%

Fee based financial services expenses

Profit after tax

Provision for direct tax

Net cash flow from operating activities

Amortisation and w. offs

Unrealised foreign exchange loss

Loss on sale of assets

Other non-cash and non-operating expenses

Net profit before tax & extra-ordinary income

Provision for contingencies

Unrealised foreign exchange gain

Provision or liabilities written back

Profit on sale of investments

Profit or loss on sale of assets

Less: Adjstments for non-cash and non-operating income

Operating cash flow before working capital changes

Add:Cash inflow due to

Increase in other current liabilities

Decrease in trade & other payables

Decrease in deposits (banks or fis)

Less: Cash outflow due to

Increase in advances (banks or fis)

Cash inflow due to direct taxes refund

Cash outflow due to dividend tax paid

Cash flow generated from operations

Cash flow before extraordinary items

Cash outflow due to extraordinary items

Cash inflow due to extraordinary items

Net cash inflow from investing activities

Sale of fixed assets

Decrease in capital work in progress

Merger or hiving off of companies or units

Net cash inflow or (outflow) from financing activities

Less: Cash outflow due to financing activities

Repayment of long term liabilities

Repayment of short term liabilities

Loans from other companies

Cash (outflow) due to redemption or buyback of capital

Other cash receipts or payables from financing activities

Net increase or (decrease) in cash & cash equivalents

Cash & bank - opening balance

Cash & bank - closing balance

Net increase or (decrease) in cash & cash equivalents(cl-op)