Capital Adequacy Parameter

ICICI SBI
Tier 1 Tier 2 Tier 1 Tier 2
2006 13.35 11.88
9.2 4.15 9.36 2.52
2005 11.78 12.45
Capital Adequacy 7.59 4.19 8.04 4.41
Ratio 2004 10.36 13.53
6.09 4.27 8.34 5.19
2003 11.1 13.5
7.05 4.05 8.81 4.69
2002 11.44 13.35
7.47 3.97 9.22 4.13

ICICI SBI HDFC

2006 0.23 1.11 0.54
2005 0.34 0.80 1.06
Debt equity ratio 2004 0.45 0.66 0.86
2003 0.69 0.54 1.02
2002 1.52 0.61 1.04

ICICI SBI HDFC

2006 0.58 0.53 0.48
Advances to total 2005 0.54 0.44 0.50
Asset ratio 2004 0.50 0.39 0.42
2003 0.49 0.37 0.39
2002 0.45 0.35 0.29

ICICI SBI HDFC

Govt. Securities to 2006 0.72 0.86 0.69 535 cr in Subsid
total Investment 2005 0.68 0.89 0.58
2004 0.70 0.87 0.60
Ratio
2003 0.72 0.85 0.47
2002 0.63 0.82 0.44 2860 cr in Sub
ICICI
ter

HDFC
Tier 1 Tier 2
11.41
8.55 2.86
12.16
9.6 2.56
11.66
8.03 3.63
11.12
9.49 1.63
13.93
10.81 3.12

535 cr in Subsidiaries - HDFC

2860 cr in Subsidiaries -
ICICI
 Asset Quality

ICICI SBI
2006 0.72 1.87
Net NPA to Net 2005 1.65 2.65
Advances(%) 2004 2.21 3.48
2003 5.21 4.5
2002 5.48 5.63

Net Non Performing assets is the Gross NPA minus gross provision made, unrealised interest and
unadjusted credit balances with regard to various NPA accounts.

ICICI SBI
2006 -19.8% -16.7%
2005 -9.1% -1.7%
Total NPA Growth Rate 2004 -39.4% -6.2%
2003 0.3% -12.8%
2002 1124.9% -2.5%
 HDFC
0.44
0.24
0.16
0.37
0.5

e, unrealised interest and

HDFC
15.9%
30.9%
26.4%
19.1%
51.8%
 Management Quality parameter

ICICI SBI HDFC

2006 3.53 2.37 6.36
Market Value to Equity 2005 3.97 1.98 4.89
Capital 2004 3.26 1.70 5.52
2003 2.50 1.65 4.64
2002 1.31 0.98 3.18

ICICI SBI HDFC

2006 0.89 0.69 0.63
Total Advances to Total 2005 0.92 0.55 0.70
Deposits 2004 0.92 0.50 0.58
2003 1.11 0.47 0.53
2002 1.47 0.45 0.39

ICICI SBI HDFC

2006 9.05 2.99 7.58
2005 8.8 2.43 8.06
Business/Employee (cr) 2004 10.1 2.1 8.66
2003 11.2 1.91 8.65
2002 4.86 1.73 7.78

ICICI SBI HDFC

2006 0.10 0.02 0.07
2005 0.11 0.02 0.09
Profit/Employee(cr) 2004 0.12 0.02 0.09
2003 0.11 0.01 0.1
2002 0.05 0.01 0.1
 Earnings Quality
ICICI
2006 2.39
Operating Profit by Average 2005 2.18
Working Funds 2004 2.09
2003 2.49
2002 2.14

ICICI
2006 1.21%
2005 1.36%
Net Profit to Average Assets 2004 1.40%
2003 1.13%
2002 0.41%

ICICI
2006 0.73
2005 0.73
Interest Income to Total Income 2004 0.75
2003 0.75
2002 0.78

ICICI
2006 0.27
Non Interest Income to Total 2005 0.27
Income 2004 0.25
2003 0.25
2002 0.22
SBI HDFC
7.19 7.11
7.7 6.85
7.99 7.28
9.1 7.89
9.01 3.12

SBI HDFC
0.92% 1.39%
0.99% 1.42%
0.94% 1.40%
0.86% 1.43%
0.73% 1.51%

SBI HDFC
0.83 0.79
0.82 0.81
0.80 0.84
0.83 0.81
0.88 0.84

SBI HDFC
0.17 0.21
0.18 0.19
0.20 0.16
0.17 0.19
0.12 0.16
 Liquidity parameter
ICICI
2006 0.068
2005 0.077
Liquid Assets to Total Assets 2004 0.067
2003 0.060
2002 0.122

ICICI
2006 0.103
2005 0.130
Liquid Assets To Total Deposits 2004 0.124
2003 0.135
2002 0.399
er
SBI HDFC
0.090 0.094
0.085 0.087
0.107 0.084
0.120 0.104
0.186 0.145

SBI HDFC
0.117 0.124
0.107 0.123
0.137 0.117
0.153 0.142
0.240 0.196