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19 2437 2#0 <# % 3$5 [1] Good corporate governance is a determinant Factor for corporate existence to ensure increased Capital, liquidity, profitability and efficiency in % 35.7% 0% 0% 0% Resources management, absence of which will bring collapse of business in the organization. [2] There is no relationship between corporate Governance and financial reporting as stakeholders in the business are not concerned about who leads % 3.6% 21.4% 75% 0% and manage the organization. [3] Poor Corporate governance can result into Downturn in business, distress and effectual % 32.1% 3.6% 0% 0% liquidation of the business [4] The sustainable growth in the business of a banking institution can not be determined by the % 3.6% 53.6% 39.3% 3.6 % type of corporate governance in operation% [5] Boardroom upheavals and crisis in the banking Institutions have very strong negative impact on % 42.9% 0% 3.6% 0% Customers patronage and expansion of business, and this can be attributed as one of the major causes of financial distress in the banking industry. [6] The shareholders lost of their investments and depositors lost of their deposits in the liquidated banks can not be attributed to poor corporate governance % 10.7% 32.1% 50.0% 3.6 % [7] Consistence in the constitution of the Board of % 25% 0% 0% 0% Directors and knowledge of the operating environment 0#9 % E )#"##0 <# % &H

20 " # E %E2##0 %'.%2 0 # E L 2R'%H'HMA<L 40R'%H7(M+#L 2R'%H-@ L4#R%@H.%$%'.#%2 #<0#% %13E100#0# %'.%##%''@7 #0 ###0#<% %)0## 0E 0# # 0 0 # 0 0<##0" "0 #<"#<# #<#% %. #'%'&?'%('7%2 #<00###0# <% %4LB %#%'."##7"(@& %'.%A#07-"! #&&%@&-%-?% A" 1%2 #"##0 <# % )#0900"B " "B "9<# % 20 * %20<&' *#$# 0: ;% <90 " " " B " 9 # 000%4# 0% #E &%)E2 &"# #E)R'%H?7"R'%HG-"4B R'%H?&"R'%H&H"R'%?H.29R'%H-7%A" < 0% 2 < 0 # %2000% %00 E000 "BHH%@0<09HH%@ 0###B% % $0 E 0 # * #& # #00#%!#&E$0 #*% 1.00 Normal P-P Plot of Regression Stand Dependent Variable: GROSS DOMES.75 Expected Cum Prob Observed Cum Prob 7'

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28 %LKL$LKL<%2)L) 0# #0# 00Lb0% 20<0%(."'''0# KL#0<0.&7 %201 *%"?'0< 0#*0<%2) 00 <=#5:=5;0 7''.%20 < 00< ###0 % 2)<" # #B #%20 #0#!0%# # : 0#;#0%#B <#00#0#0 % " #0 # # 9 #%29 0 "0 %20##0% 0##0 "##0#0<"0<#0" 00090%=# 0##"2)00,0# 0%+2)# " O + #* 0# 0 0 ## 2)L 0 # #O 2)0 0 0<0001#2)0 L0#"0##"0#*0# % ! ++ ++$ ++ " 3!K=L KL " K0L 0< B" 0 0 M K) 0L # # 6 0 ) M KL M K) 0L # 9 amklmk LMK0L00 K=L9<#M! < <A0 <=2<#0 2)K#L#%"#0< " 89<?E B8K49=?=@4 )79:@7:94 8?95 8> 694@789) )0#9:(;9:&&; # 89A89?74?=?B4<4=7 8<<67744 )0#90# #0#0 6K6)68=?E 364> L4@:76K4 # 6K6)68=?E?=?B4<4=7 8<< #0 7?

29 " **& J ++ (Rs. in Millions) Year Ending 31st March GROSS INCOME Excise Duties etc. Net Income Cost of Sales PBDIT PBDT Depreciation PBIT PROFIT BEFORE TAX Tax PROFIT AFTER TAX BEFORE EXCEPTIONAL ITEMS EXCEPTIONAL ITEMS (NET OF (450.2) - 7H

30 TAX) PROFIT AFTER TAXATION Dividends* Retained Profits Earnings Per Share on profit after tax before exceptional items Basic (Rs.)** (Rs.) Earnings Per Share on profit after taxation Basic (Rs.)** (Rs.) Dividend Per Share (Rs.)** Market Capitalization *** Foreign Exchange Earnings P#029:97''7; PP10&E&'<&E7 PPP #"B0 <39#% D10 &HH7-E. &HH.)&E& -'

31 7''-7"'H"GH"?7' %&%''" "0#02)0 40)0 % 7''G&"7&"7@"(@' %&%''" "0#02) )0 % &E7 "! Consolidated Balance Sheet as at 31st March, 2007 As At 31st March, 2007 (Rs. In Millions) As At 31st March, 2006 (Rs. In Millions) I. SOURCES OF FUNDS 1. Shareholders' Funds a) Capital c) Reserves & Surplus Minority Interests Loan Funds a) Secured Loans b) Unsecured Loans Deferred Tax Net Total II. APPLICATION OF FUNDS 1. Fixed Assets a) Gross Block &

32 b) Less: Depreciation c) Net Block d) Capital Work-in-Progress e) Less: Provision for assets given on lease Investments Current Assets, Loans and Advances a) Inventories b) Sundry Debtors c) Cash and Bank Balances d) Other Current Assets e) Loans and Advances Less : 4. Current Liabilities and Provisions a) Liabilities b) Provisions Net Current Assets Miscellaneous Expenditure.%- G%- -7

33 VOLUME NO: 1 (2010), ISSUE NO. 5 (SEPTEMBER) ISSN (To the extent not written off or adjusted) [See Schedule 19 (ix)] Total ", 3?69A49)8= L4@:76K4 4<;49) J 8?95 8> 694@789) M 885) MM MMM 874E)?9H476=B 4?5 6=?=@4 4?5?74B89G 4?5 J 7?AE4)?74B89G 4?5 J =?@H 885?74B89G 4?5 J 8:9<47 885?74B89G 4?5 J 8=>4@768=49G?768=?E?E4)?=?B49 4B68=?E?E4)?=?B49 6)796@7?=?B49 ))6)7?=7?=?B49 MMMM 94??=?B49 94? L4@:76K4 9?=@3?=?B49 --

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123 0<0#<%A0## 0#%2<&7-II&7% 0 < 0 # # < 0* 0 < # 0 0 <:ECC%%0C<CC9%0;% $0*R 2 1 Sum TotalSum 1 0*#'&%3 0 #0*% 3B 00*# #00 <:ECC%%0C<CC9%0;% nub nlb T,(/ oub olb A" R$ R$ R R KL<&KL'KL<.'KL&% < <# %2 2&% * # # <00#0%2 *"#% $R ( originalscore olb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

124 Values of PM !#&E #< Graphical presentation of Profit Margin of the selected banks Axis BOI BOB Canara HDFC ICICI IDBI KMB OBC PNB SBI UB Banks EL #:;=#0<%2'%'H&..7# %2"0#<=L#0#00## %2<L# ##0<%!#7E 22< Graphical presentation of TAT ratio of the selected banks KMB Values of TAT Axis BOI BOB Canara HDFC ICICI IDBI OBC PNB SBI UB Banks EL &7(

125 A220"####0#00 %22=## 0#<%<000<% "=0#0#% < EL 0 0%4<00"##0% =#22"##'%'7&.HG%2#%!#(E 3< Values of EM Graphical presentation of EM ratio of selected banks Axis BOI BOB Canara HDFC ICICI IDBI KMB OBC PNB SBIUB Banks EL &7.

126 300 B %0"0 #09 %"30 0%0#<3=:G%H@??(;%2000 <%"L3#:7&%-7G'(;"0#0%!#.E 3< 0.25 Graphical presentation of ROE ratio of the selected banks Values of ROE Axis BOI BOB CanaraHDFC ICICI IDBI KMB OBC PNB SBI UB Banks EL 3B 0%000<3# #0%!0#"339<#%9<L3 ##3%#<%"L#0#0%2# 3 #""220#3%"3=#%"L"22 #0#<B 3%L0#0#"30 #3##<%L#0#00#00 0#000<%" 00%)<L 0"0#0#0#00%)B " 0##0# #3%A +!)<"#0<"#0 <%+"3:'%&G?.-&;<9=%"))<L"223# 3:'%&&@.(@;#%3<#"# 3220 #%!0$"50<# %23 ##3%<22 #%4 ")"3##322% #<#"=%+!)< ))<% &7G

127 !#GE < Graphical presentation of ROA of selected banks 1.6 KMB HDFC 1.4 OBC 1.2 Axis ICICI 1 BOI BOB Canara PNB UB SBI IDBI Banks EL # "=#0#<+!)= 00%+"=+!)0%<9< 0###0 0##B%# 00##=+!)00<%" )<9000%2))0#0# %")$0 0#0%<0 0<# 0#0"0 < #9%2=+!)0 0% # < <#%+"<<<#L%3 << L#"###<##<% 0<#%##<"<#0*%2 <<#27% 27E#< Values of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