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