South Indian Bank Financial Ratios, South Ind Bk Liquidity ratio, Debt, Quick, Current Ratio

South Indian Bank

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Financial Ratios

Standalone Consolidated

* in (Rs. cr.)

	Mar 2019	Mar 2018 Mar 2018 Mar 2017 Mar 2016 Mar 2015 Mar 2014 Mar 2013 Mar 2012 Mar 2011 Mar 2010 Mar 2009 Mar 2008 Mar 2007 Mar 2006 Mar 2005 Mar 2004 Mar 2003 Mar 2002 Mar 2001 Mar 2000
Face Value	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00	10.00
Dividend Per Share	0.25	0.40	0.40	0.50	0.60	0.80	0.70	0.60	0.50	4.00	3.00	3.00	2.50	1.80	--	2.50	2.50	2.50	2.50	2.22
Operating Profit Per Share (Rs)	-1.53	-1.51	-0.28	0.44	-0.22	3.01	2.70	3.14	2.40	31.08	22.20	21.12	17.65	6.96	-1.80	35.41	55.66	44.47	26.52	19.74
Net Operating Profit Per Share (Rs)	38.00	34.24	32.43	41.16	39.15	37.32	33.13	31.61	21.64	186.29	154.98	149.86	144.96	111.43	137.68	250.58	227.95	205.56	166.94	148.25
Free Reserves Per Share (Rs)	--	--	--	--	--	--	--	--	--	88.69	80.52	92.77	65.23	47.53	41.34	45.06	44.18	39.05	32.97	26.94
Bonus in Equity Capital	12.48	12.49	12.53	16.73	16.73	16.81	16.88	19.93	19.99	19.99	19.99	--	--	--	--	--	--	--	--	--
Interest Spread	5.27	5.79	6.48	6.55	6.90	6.64	7.01	6.23	6.42	6.35	6.73	4.91	5.37	5.18	4.02	4.32	5.33	5.50	6.33	6.58
Adjusted Cash Margin(%)	4.17	5.67	6.97	6.58	5.29	10.25	11.36	11.30	11.93	13.16	12.58	12.41	18.87	16.41	8.88	22.32	9.77	8.85	7.29	5.33
Net Profit Margin	3.59	5.40	6.71	5.99	5.81	10.11	11.32	11.20	11.96	11.10	11.11	11.19	10.20	6.48	1.32	9.40	8.86	8.48	6.94	4.87
Return on Long Term Fund(%)	102.75	94.52	103.69	122.89	127.15	134.26	132.93	154.93	124.02	121.40	114.34	98.71	114.04	94.04	111.27	182.77	187.33	190.29	197.86	201.51
Return on Net Worth(%)	4.85	6.69	8.52	8.98	8.90	15.68	17.52	19.85	17.27	15.93	15.14	13.27	14.38	7.94	1.91	21.35	22.53	22.72	18.98	13.85
Adjusted Return on Net Worth(%)	4.85	6.69	8.52	8.98	8.90	15.68	17.52	19.85	17.27	18.46	16.79	14.39	26.31	19.27	10.84	49.14	23.31	22.71	18.96	13.83
Return on Assets Excluding Revaluations	28.16	27.65	25.52	27.46	25.56	24.08	21.41	17.84	14.99	129.83	113.76	126.34	102.83	91.02	95.49	110.30	89.66	76.70	61.04	52.20
Return on Assets Including Revaluations	29.48	28.98	26.88	28.45	26.59	25.06	22.44	19.12	16.33	131.43	115.39	128.42	102.83	91.02	95.49	110.30	89.66	76.70	61.04	52.20
Interest Income / Total Funds	7.88	7.91	8.53	9.11	9.29	9.60	9.87	9.83	8.41	9.18	9.36	8.82	8.34	7.73	7.01	10.63	11.51	12.50	12.37	13.23
Net Interest Income / Total Funds	2.32	2.51	2.44	2.47	2.40	2.68	2.85	2.80	2.72	3.22	3.14	2.86	3.36	3.28	2.18	4.94	4.75	4.68	4.28	4.49
Non Interest Income / Total Funds	0.83	1.07	1.04	0.85	0.87	0.71	0.75	0.68	0.68	0.35	0.40	0.44	0.42	0.42	0.41	0.22	0.30	0.31	0.32	0.32
Interest Expended / Total Funds	5.57	5.40	6.09	6.63	6.89	6.92	7.02	7.03	5.69	5.96	6.22	5.96	4.98	4.44	4.83	5.69	6.76	7.82	8.09	8.74
Operating Expense / Total Funds	2.63	2.86	2.52	2.38	2.45	1.90	2.05	1.83	1.79	1.69	1.80	1.62	2.35	2.80	2.27	3.44	1.94	1.98	2.31	2.73
Profit Before Provisions / Total Funds	0.44	0.64	0.88	0.84	0.82	1.39	1.46	1.57	1.53	1.81	1.67	1.60	1.34	0.78	0.19	1.60	3.01	2.94	2.21	2.00
Net Profit / Total Funds	-0.70	-0.83	-0.32	-0.06	-0.19	0.67	0.69	0.88	0.73	1.02	1.04	0.99	0.85	0.50	0.09	1.00	1.02	1.06	0.86	0.65
Loans Turnover	0.12	0.12	0.13	0.14	0.14	0.15	0.15	0.15	0.13	0.15	0.16	0.15	0.14	0.13	0.14	0.23	0.24	0.26	0.27	0.29
Total Income / Capital Employed(%)	8.71	8.98	9.57	9.96	10.16	10.30	10.61	10.51	9.08	9.53	9.76	9.26	8.75	8.15	7.42	10.85	11.80	12.81	12.69	13.54
Interest Expended / Capital Employed(%)	5.57	5.40	6.09	6.63	6.89	6.92	7.02	7.03	5.69	5.96	6.22	5.96	4.98	4.44	4.83	5.69	6.76	7.82	8.09	8.74
Total Assets Turnover Ratios	0.08	0.08	0.09	0.09	0.09	0.10	0.10	0.10	0.08	0.09	0.09	0.09	0.08	0.08	0.07	0.11	0.12	0.13	0.12	0.13
Asset Turnover Ratio	0.08	0.08	0.09	0.09	0.09	0.10	0.10	0.10	0.09	0.09	0.10	0.09	0.09	0.08	0.07	0.11	0.12	0.13	0.13	0.14
Interest Expended / Interest Earned	70.63	68.26	71.35	72.83	74.15	72.11	71.12	71.49	67.66	70.64	69.00	69.90	62.37	59.26	63.76	70.51	73.16	74.77	72.34	74.79
Other Income / Total Income	9.55	11.91	10.90	8.52	8.60	6.84	7.02	6.45	7.44	3.66	4.13	4.74	4.76	5.16	5.58	2.01	2.50	2.39	2.48	2.34
Operating Expense / Total Income	30.20	31.85	26.29	23.88	24.15	18.46	19.29	17.37	19.66	17.69	18.42	17.49	26.81	34.38	30.63	31.71	16.41	15.45	18.24	20.13
Selling Distribution Cost Composition	0.16	0.14	0.15	0.20	--	--	--	--	--	0.36	0.31	0.26	0.35	0.28	0.33	0.26	0.16	0.12	0.14	0.06
Capital Adequacy Ratio	12.61	12.70	12.37	11.82	12.01	12.53	13.91	14.00	14.01	15.39	14.76	13.80	11.08	13.02	9.89	11.32	10.75	11.20	11.17	10.41
Advances / Loans Funds(%)	77.69	75.70	73.57	73.25	71.65	75.66	77.00	81.31	76.80	75.90	70.69	76.15	72.48	70.49	63.66	54.80	55.85	60.32	56.66	55.68
Credit Deposit Ratio	76.92	73.08	71.80	72.91	74.06	74.16	73.17	72.14	68.86	67.33	67.09	67.06	65.49	64.94	57.01	51.58	53.55	53.83	52.48	52.59
Investment Deposit Ratio	24.56	27.36	27.95	29.11	31.26	29.29	27.15	27.67	30.49	32.19	32.02	29.21	28.28	32.50	42.30	45.98	40.53	39.47	43.81	42.07
Cash Deposit Ratio
Total Debt to Owners Fund	16.74	15.21	14.79	15.65	15.69	15.52	15.89	18.33	17.72	15.91	14.27	13.29	16.95	14.95	18.66	21.17	21.67	21.78	21.66	21.30
Financial Charges Coverage Ratio	1.27	1.37	1.31	1.23	1.22	1.26	1.28	1.27	1.33	1.34	1.30	1.30	1.42	1.36	1.15	1.53	1.46	1.39	1.28	1.24
Financial Charges Coverage Ratio Post Tax	1.07	1.09	1.11	1.10	1.08	1.15	1.17	1.17	1.19	1.18	1.18	1.18	1.19	1.14	1.05	1.20	1.17	1.15	1.11	1.08
Current Ratio	0.06	0.07	0.06	0.07	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.03	0.02	0.03	0.03	0.03	0.03	0.03
Quick Ratio	44.06	45.76	38.47	36.68	29.55	28.13	27.57	26.58	23.82	24.96	17.99	15.67	13.53	11.86	11.40	9.66	11.92	12.39	10.94	8.82
Dividend Payout Ratio Net Profit	29.24	--	--	20.25	26.37	21.18	18.67	16.95	19.31	19.33	17.40	17.88	16.90	24.89	--	10.60	13.94	14.31	23.68	30.46
Dividend Payout Ratio Cash Profit	22.82	--	--	16.86	26.46	19.47	17.30	15.73	17.91	18.04	16.24	16.55	15.18	20.07	--	9.44	12.72	13.36	21.96	27.17
Earning Retention Ratio	70.76	100.00	100.00	79.75	73.63	78.82	81.33	83.05	80.69	83.32	84.30	83.51	90.77	89.75	100.00	95.40	86.52	85.68	76.29	69.49
Cash Earning Retention Ratio	77.18	100.00	100.00	83.14	73.54	80.53	82.70	84.27	82.09	84.29	85.25	84.64	91.30	90.67	100.00	95.63	87.67	86.63	78.01	72.79
AdjustedCash Flow Times	253.55	180.70	144.40	139.20	169.60	86.02	81.64	84.32	94.24	79.99	78.72	85.84	60.50	70.56	137.43	40.52	83.89	88.65	104.47	134.08
Earnings Per Share	-3.38	-3.57	-1.23	-0.27	-0.79	2.62	2.31	2.84	1.88	20.69	17.23	16.77	14.79	7.23	1.82	23.56	20.20	17.43	11.59	7.23
Book Value	28.16	27.65	25.52	27.46	25.56	24.08	21.41	17.84	14.99	129.83	113.76	126.34	102.83	91.02	95.49	110.30	89.66	76.70	61.04	52.20