Cost & Margin on Average Balances
|
Year
|
Yield per 100
|
Average yield on Working Funds
|
Cost per 100
|
Average Cost
|
|
Investment
|
Loans
|
Deposit
|
Borrowings
|
|
2006-07
|
8.10
|
5.10
|
5.57
|
5.73
|
3.69
|
4.01
|
|
2007-08
|
6.92
|
4.70
|
5.10
|
6.13
|
3.48
|
4.05
|
|
2008-09
|
6.12
|
5.19
|
5.54
|
7.28
|
3.49
|
4.55
|
|
2009-10
|
6.34
|
5.08
|
5.37
|
7.23
|
4.09
|
5.13
|
|
2010-11
|
6.72
|
5.41
|
5.62
|
6.43
|
4.25
|
4.73
|
|
2011-12
|
6.64
|
5.66
|
6.15
|
6.81
|
4.35
|
4.90
|
|
2012-13
|
6.75
|
5.81
|
6.29
|
7.30
|
4.62
|
5.21
|
|
2013-14
|
7.09
|
5.72
|
6.07
|
7.45
|
4.66
|
5.24
|
|
2014-15
|
7.20
|
5.70
|
5.90
|
7.73
|
4.63
|
5.01
|
|
2015-16
|
7.85
|
4.91
|
6.03
|
7.56
|
4.61
|
5.09
|
|
Year
|
Financial Margin
|
Other income %
|
Total Margin
|
COM
|
Risk Cost
|
Net Margin
|
| |
|
|
|
|
|
|
|
2006-07
|
1.56
|
0.01
|
1.57
|
0.77
|
-
|
0.80
|
|
2007-08
|
1.05
|
0.01
|
1.06
|
0.54
|
-
|
0.52
|
|
2008-09
|
0.99
|
0.01
|
1.00
|
0.56
|
-
|
0.44
|
|
2009-10
|
0.24
|
0.01
|
0.25
|
0.62
|
-
|
-0.37
|
|
2010-11
|
0.89
|
0.23
|
1.12
|
0.67
|
-
|
0.45
|
|
2011-12
|
1.25
|
0.01
|
1.26
|
0.90
|
-
|
0.36
|
|
2012-13
|
1.08
|
0.01
|
1.09
|
0.42
|
0.07
|
0.60
|
|
2013-14
|
0.83
|
0.01
|
0.84
|
0.46
|
0.02
|
0.36
|
|
2014-15
|
0.89
|
0.01
|
0.90
|
0.45
|
0.03
|
0.42
|
|
2015-16
|
0.94
|
0.01
|
0.95
|
0.42
|
0.03
|
0.50
|