The document presents performance data for three banks - Andhra Bank, Union Bank of India, and Allahabad Bank for the fiscal year 2010. It includes key metrics such as total business, total assets, total income, net profit, number of branches, income, expenses, net profit for the year, cash flows, and financial ratios for 2010 and 2011. The performance of the three banks is compared across these various metrics for the years 2010 and 2011.

1. PRESENTED BY :
 Swapnil Turakane
 Deepanjali Ahire
 Akshaya Lad
 Nikita Rane
 Gaurav Tarkar.

2. UNION BANK OF ALLAHABAD
ANDHRA BANK INDIA BANK
Performance for FY10 (In MILLIONS)
Total Business 1,338,397.80 2,893,547.40 1,776,606.30
Total Assets 903,804.70 1,951,618.40 1,216,992.10
Total Income 73,374.90 152,774.20 98,851.00
Net Profit / Loss 10,496.70 20,749.20 12,060.00
No. of Branches 1,549 2,832 2,231

3. Andhra Bank Union Bank of India Allahabad Bank
Mar '10 Mar '10 Mar '10
Income IN CR
Interest Earned 6,372.87 13,302.68 8,369.20
Other Income 964.62 1,974.74 1,515.90
Total Income 7,337.49 15,277.42 9,885.10
Expenditure:
Interest expended 4,178.13 9,110.27 5,718.72
Employee Cost 824.08 1,354.99 1,011.38
Selling and Admin Expenses 574.14 1,225.57 1,175.48
Miscellaneous Expenses 613.29 1,351.53 710.50
Preoperative Exp Capitalised 0 0 0
Operating
Expenses 1,654.75 3,206.76 2,448.05
Provisions &
Contingencies 458.76 885.47 512.01
Total Expenses 6,189.64 13,042.36 8,616.08
PBDIT 1,147.85 2,235.06 1,269.02
Intrest 0.00 0.00 0.00
PBDT 1,147.85 2,235.06 1,269.02
Depreciation 102 160.14 62.7
Net Profit for the Year 1,045.85 2,074.92 1,206.32

4. Andhra Bank Union Bank of India Allahabad Bank
Extraordinary Items 0 0 0
Profit brought forward 152.94 0.83 96.09
Total 1,198.79 0.83 96.09
Preference Dividend
Equity Dividend 242.5 277.81 245.69
Corporate Dividend Tax 40.28 47.21 41.75
Per share data (annualised)
Earning Per Share (Rs) 21.56 41.08 27.01
Equity Dividend (%) 50 55 55
Book Value (Rs) 90.93 174.37 131.73
Appropriations
Transfer to Statutory Reserves 415.36 1,177.09 339.78
Transfer to Other Reserves 300 572.01 550
Proposed Dividend/Transfer to
Govt 282.78 325.02 287.44
Balance c/f to Balance Sheet 200.66 1.63 125.2
Total 1,198.80 2,075.75 1,302.42

5. Union Bank of
Andhra Bank Allahabad Bank
India
IN CR
2011 2010 2011 2010 2011 2010
Net Profit Before Tax 1767.07 1435.85 0 0 0 0
Net Cash From Operating Activities -1251.29 5520 4431.48 -505.07 584.13 1523.1
Net Cash (used in)/from
Investing Activities -68.42 -121.81 -185.14 -200.43 -96.34 -71.22
Net Cash (used in)/from Financing Activities 611.01 481.96 75.41 497.26 1371.36 1079.58
Net (decrease)/increase In Cash and Cash
Equivalents -708.7 5880.15 4321.75 -208.24 1859.15 2531.46
Opening Cash & Cash Equivalents 11167.66 5287.5 15776.69 15984.93 9168.23 6636.76
Closing Cash & Cash Equivalents 10458.96 11167.65 20098.44 15776.69 11027.38 9168.22

6. Mar '10 Mar '10 Mar '10
Proprietary ratio 0.022265 0.020148 0.023808
Debt Equity ratio 172.2488 354.8762 249.5886
Quick ratio 0.768869 0.721239 0.684233
Operating Expenses
ratio 25.96554 24.10612 29.2507
Expenses ratio:
Selling & admn exps
ratio 0.090091 0.09213 0.140453
Net Profit ratio 16.41097 15.59776 14.4138
Return on Investment
(ROI) 19.61319 24.25377 23.34697
Divident per share 5.830515 6.434765 6.434744
Return on Equity Capital 165.6392 355.7788 215.0504