Cash Reserve Ratio

in Rs. Lacs

Cash Reserve Ratio(Times)

300000
250000
0.2
200000 Total Deposit
0.15
150000 Cashbank balance
Reserve
0.1
100000 Ratio(Times)
Cash
0.05
50000
0
0
2002/ 3
20 /04

220 05

06

22 0 67
078

8
0303

/4
5/0/ 5
20 2/0

67//0
0

/0
04/0

6/0/

07
005
2003

0004
0

000
20

2200

20

in Rs. Lacs
 cash and bank balance and interest
sensitive deposite
Amount in rupees
160000
140000
120000 Interest
100000 Sensitive
80000 Deposit
60000 Bank balance
40000
20000
0
Cash

8
3

5
/0

/0

/0

/0

/0

/0
7
5

6
2

0
0

0
0

0
2

2
Year

Cash and bank balance to interest sensitive

deposite ratio(Times)

0.6
0.4
Ratio

0.2 Cash and bank

0 balance to
interest
sensitive
20 /03
20 /04
20 /05
20 /06
20 /07
8
/0
02
03
04
05
06
07

deposite
20

Year

in Rs. Lacs
250000
200000 Cash
150000 Bank balance
100000 Current assets
50000
0
3

7
4

8
/0
/0

/0

/0

/0

/0
2

7
0
0

0
0

0
2

2
Cash and bank balance to current assets
ratio(Times)

0.2
0.15
Cash and
0.1
bank
0.05
balance to
0
current
assets
20 03

20 04

20 / 05

20 06

20 07

8
/0
/

/
/

/
02

04

05

06

07
03
20
 in Rs. Lacs

500000
400000
Total deposit
300000
200000 Loan and
advances
100000
0
20 03

20 04

20 05

20 06

20 07

8
/0
/

/
/

/
02

03

05

07
04

06
20
 Loan and advances to total deposit ratio ( in %)

80
78 Loan and
76 advances to
74 total deposit
72 ratio ( in %)
70
3

8
/0

/0

/0
/0

/0

/0
02

03

04

05

06

07
20

20

20

20

20
20

in Rs. Lacs

500000
400000 Deposit

300000
Loan and
200000 advances
100000 Interest
0 expenses
Interest
6

7
3

8
/0

/0

/0

/0

/0

/0

income
05

06
02

03

04

07
20

20

20

20

20

20
 Interest spread rate (%)

8
6
Interest spread
4
rate (%)
2
0
20 5

8
20 3

20 4

20 6

20 7
/0

/0

/0

/0
/0

/0
02

03

04

05

06

07
20

in Rs. Lacs
Source:

Non-performing Assets to Total Assets ratio (%)

1.5
Non-performing
1 Assets to Total
0.5 Assets ratio
(%)
0
20 04

20 5

20 06

20 7
8
20 3

/0
/0

/0

/0
/

/
03

04

05

06
02

07
20

in Rs. Lacs
Source: Annual report of EBL
 Net profit to Gross income ratio (%)

25
20
Net profit to
15
Gross income
10
ratio (%)
5
0

8
/0

/0

/0

/0

/0

/0
02

03

04

05

06

07
20

20

20

20

20

20
Source: Annual report of EBL

Interest income to total income ratio(Times)

0.86
0.85 Interest
0.84 income to total
0.83
0.82 income
0.81 ratio(Times)
0.8
20 04

8
20 3

20 05

20 6

20 07
/0

/0
/0
/

/
02

03

04

05

06

07
20
 :

Operating profit to loan and advances ratio(in%)

6
5 Operating profit
4 to loan and
3
2 advances
1 ratio(in%)
0
20 3

20 4

20 5

20 6

20 7

8
/0

/0

/0
/0

/0

/0
02

03

04

05

06

07
20

Return on loan and advances ratio (in%)

3
2.5
2 Return on loan
1.5 and advances
1 ratio (in%)
0.5
0
20 3

20 4

20 5

20 6

20 7

8
/0

/0
/0

/0

/0

/0
02

03

04

05

06

07
20

in Rs.Lacs
Source: Annual report of EBL
 Earning per share (In Rs.)

80
60
Earning per
40
share (In Rs.)
20
0

20 3

20 4

20 5

20 6

20 7

8
/0

/0

/0
/0

/0

/0
02

03

04

05

06

07
20

in Rs. Lacs

Price earning ratio(Times)

50
40
30 Price earning
20 ratio(Times)
10
0
20 3

20 4

20 5

20 6

20 7

8
/0

/0
/0

/0

/0

/0
02

03

04

05

06

07
20

in Rs. Lacs

Loan loss provision to Loan and advances ratio.

(%)

1.5
1 Loan loss
0.5 provision to
Loan and
0
advances ratio.
(%)
20 3

20 4

20 5

20 6

20 7

8
/0

/0
/0

/0

/0

/0
02

03

04

05

06

07
20