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ICICI BANK SBI BANK BANK OF BARODA

Establishment 1994 1806 1908

CEO Ms. CHANDA

KOCCHAR

Smt. Shyamala

Gopinath

Michael Geoghegan

Share Price(Rs.)

(21/4/11)

1117.25 2860.10 978.45


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NET INT

INCOME 2006 2007 2008 2009 2010

SBI BANK 15635.64 16054.21 17021.23 20873.14 23671.44

ICICI BANK 4187.05 6635.79 7304.1 8366.62 8114.36

BANK OFBARODA

3224.91 3786.08 3911.81 5123.41 5939.48

It is the difference between revenues generated by interest-bearing assets and the cost of servicing (interest-burdened)

liabilities.

In Rs. Crore


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Depending on a bank's specific assets and liabilities , NII may be more or lesssensitive to changes in interest rates. If the bank's liabilities reprice faster than

its assets, then it is said to be "liability-sensitive." Further, the bank is asset-

sensitive if its liabilities reprice more slowly than its assets in a changing

interest-rate environment

0

5000

10000

15000

20000

25000

2006 2007 2008 2009 2010

SBI BANK ICICI BANK BANK OF BARODA


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0.0020,000.0040,000.0060,000.0080,000.00

100,000.00120,000.00

Mar '06 Mar '07 Mar '08 Mar '09 Mar '10

ICICI SBI BOB

0

100000

200000

300000400000

500000

2006 2007 2008 2009 2010

ICICI SBI In Rs. CroreIn Rs. Crore


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DPS(Rs) 2006 2007 2008 2009 2010

SBI BANK 14 14 21.5 29 30

ICICI BANK 8.5 10 11 11 12

BANK OF

BARODA5 6 8 9 15

Dividend per share (DPS) is the total dividends paid out

over an entire year (including interim dividends but notincluding special dividends) divided by the number ofoutstanding ordinary shares issued.


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In common practice, even after distributing the preference dividend theremaining profit is not distributed to shareholders. Instead, after retaining a

portion of it, companies declare dividend in terms of percentage of paid up

capital. Thus, equity shareholders are interested what they are actually going

to receive in their hands.

0

5

10

15

20

25

30

35

2006 2007 2008 2009 2010

ICICI BANK

BANK OFBARODA

SBI


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RETURN ON

NETWORTH(%)

2006 2007 2008 2009 2010

SBI BANK 15.94 14.5 13.72 15.74 13.89

ICICI BANK 14.33 13.17 8.94 7.58 7.79

BANK OFBARODA

10.54 11.86 12.99 17.35 20.24

Return on net worth signifies the net profit received as per the networth of the Company which includes share capital and reserves.


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0

5

10

15

20

25

2006 2007 2008 2009 2010

SBI BANK

ICICI BANK

BANK OFBARODA

RETURN ON NET WORTH SHOWS THE AMOUNT OF NET PROFIT AS

A PERCENTAGE OF NET WORTH OF THE COMPANY WHICH

INCLUDES SHARE CAPITAL (BOTH PREFERENCE AND EQUITY) AND

RESERVES. HIGHER IT IS, BETTER IT IS FROM THE POINT OF VIEW

OF THE SHAREHOLDERS


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INT EXP/INTEARNED(%)

2006 2007 2008 2009 2010

SBI BANK 56.32 59.35 65.23 67.28 66.66

ICICI BANK 69.62 71.14 76.28 73.09 68.44

BANK OFBARODA

54.58 58.9 66.89 66.05 64.43

INTEREST EXPENDED/INTEREST EARNED IS THE RATIO OF

INTEREST PAID BY THE BANK TO THE INTEREST EARNED BY THE

BANK.


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0

10

2030

40

50

60

7080

90

2006 2007 2008 2009 2010

SBI BANK

ICICI BANK

BANK OFBARODA

ITS SIGNIFICANCE IS THAT LOWER IT IS, BETTER IT IS FOR THEBANKS AS THEY IMPLY LOWER COSTS AND HIGHER PROFITS


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OPERATINGEXP/TOTALINCOME(%)

2006 2007 2008 2009 2010

SBI BANK 28.37 28.19 24.13 22.91 27.61

ICICI BANK 25.86 28.87 26 26.22 29.05

BANK OFBARODA 34.02 25.68 22.7 20.88 22.53

The operating expense ratio also known as the OER is the ratio

between the total operating expenses and the effective gross

income for an income producing property. Operating expenses

are costs associated with the operation and maintenance of

income producing properties.


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The operating expense ratio shows the percentage of aproperty's income that is being used to pay

maintenance and operational expenses.

0

5

10

15

20

25

30

35

40

2006 2007 2008 2009 2010

SBI BANK

ICICI BANKBANK OF BARODA


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CAPITALADEQUACYRATIO(%)

2006 2007 2008 2009 2010

SBI BANK 11.88 12.34 13.47 14.25 13.39

ICICIBANK

13.35 11.69 13.97 15.53 19.41

BANK OFBARODA

13.65 11.8 12.91 14.05 14.36

Capital adequacy ratio is the ratio which determines the

capacity of a bank in terms of meeting the time liabilitiesand other risk such as credit risk, market risk, operational

risk, and others. It is a measure of how much capital is used

to support the banks' risk assets.


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Banking regulators in most countries define and monitor CAR toprotect depositors, thereby maintaining confidence in the banking

system.

0

5

10

15

20

25

2006 2007 2008 2009 2010

SBI BANK

ICICI BANK

BANK OF BARODA


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A Presentation by:-

Manik Lakhani

Lakshay PandhiNikhil Issar

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