Page 56 - Banking Finance AUGUST 2015

56 | 2015 | AUGUST Lakshmi Vilas Bank

Items (Amount in ` Million)

2008-09 2009-10 2010-11 2011-12 2012-13 Group All Banks'
Aggregate Aggregate
285 289 310 311
2655 2626 3054 3149 2012-13 2012-13
56.00 71.90 78.70 86.30
No. of offices 265 0.11 0.39 0.35 0.29 6283 92114
No. of employees 2433 7390 8924 9584 10143
Business per employee 51.00 90754 111495 141141 156190 66208 1096984
Profit per employee 0.21 29832 35189 43951 43245
Capital and Reserves & Surplus 4537 62775 80944 101887 117028 97.24 121.33
Deposits 73609 9093 10648 15193 17605
Investments 18631 1036 1370 1579 1971 0.75 0.83
Advances 52362 6602 6998 11480 13685
Interest Income 6576 1865 2281 2937 3379 330127 7089300
Other income 1070 2.65 3.07 2.52 2.32
Interest expended 5041 7.81 6.58 8.64 8.89 3738964 74295324
Operating expenses 1517 4.70 5.03 4.34 3.84
Net Interest Margin 2.07 10.92 12.53 9.80 9.24 1344993 26132752
Cost of Funds (CoF) 7.56 5.14 12.40 11.56 9.28
Return on advances adjusted to CoF 3.83 0.33 0.91 0.73 0.54 2699373 58797025
Wages as % to total expenses 11.96 14.82 13.19 13.10 12.32
Return on Equity 11.54 4.11 0.90 1.74 2.43 399275 7636115
Return on Assets 0.71
CRAR 10.29 41452 977866
Net NPA ratio 1.24
278598 5138027

77459 1565855

2.94 2.79

7.27 6.12

4.88 4.21

| BANKING FINANCE 12.28 13.02 PROFILE

16.22 13.84

1.26 1.03

13.73 13.88

0.77 1.68
Source : RBI