PM Jeevan Jyoti Bima：公司银行，LIC标志MOU

印度公司银行和人寿保险公司签署了谅解备忘录（MOU）实施“Pradhan Mantri Jeevan Jyoti Bima Yojana（PMJJBY）”。PMJJBY是中

央政府的雄心勃勃的计划，为保险范围的范围带来全国。在PMJBBY

下，银行的Aadhar-Linked储蓄账户持有人将符合人寿保险高达2万卢比的卢比溢价为每年330卢比的额外税。根

据新闻稿，在“集团保险计划”下的硕士政策是为客户自愿的，将于LIC发布。客户的资格年龄应在18岁之间和50年之间。它说，入学期间将从2015年6月31日开始或由政府延伸。

公司银行 - 独立同行比较和财务分析

同伴比较

细节m cap（rs cr）帕特（卢比）p / bv（x）P / E（x）ROA（％）ROE（％）车 （％）gnpl（％）nnpl / nw（％）BANKHDFC BANK LTD.259,8118,4785.026.71.921.316.11.01.9印度银行200,00710,8911.616.10.610.012.45.026.3CICI银行LTD184,5449,8102.316.91.714.017.73.04.5

金融

收入证明

Y / E 31 Mar（Rs Cr）FY11FY12FY13FY14利息收入9,13513,01815,33417,959interest费用（6,196）（9,871）（11,908）（14,175）净利息收入2,940 3,147 3,426 3,784non-youllenn收入1,2561,4931,6081,648总op收入4,196 4,640 5,034 5,431total op费用（1,642）（1,784）（1,997）（2,392）op利润（预先剥夺）2,554 2,856 3,037 3,039零条（620）（950）（1,351）（2,798）税前税前利润1,934 1,906 1,686 242taxes（520）（520）（ 399）（251）（320）净利润1,413 1,506 1,435 562

资产负债表

Y / E 31 Mar（Rs Cr）FY11FY12FY13FY14总现金和平等现金10,39311,69812,688314,23958,605017,46918,47137,08658,47137,086，red ass ont ant.2,69659,642189,43564,4859,4356,464289,4356,4642165,43564,4859,43564总资产143509 163560 193442 222,048Net worth7,1388,2769,56610,085Deposits116,747136,142166,005193,393Borrowings15,96514,24812,89913,021Total INT-熊liab132,713150,390178,904206,414Non-INT-轴承liab3， 6584,8944,9725,549总负债136,371 155,284 183,877 211,963股权+总引用143,509 163,560 193,442 222,048

关键比率

Y / E 31 MarFY11FY12FY13FY14生长矩阵（％）净利息收入54.57.08.910.4TOTAL op收入23.510.68.57.9 op利润（预剥削）19.511.86.30.1NET利润20.86.6（4.7）（60.8）（60.8）推广37.415.718.215.5deposits25.918.215.5deposits25.916.621.916.5总产量为28.514.018.314.8富集性比率（％）NIM2.52.52.32.1non-inc Inc / Total Inc29.932.231.930.3RETURN在AVG EQUITY21.919.516.15.7RETURN ON AVG ASSETS1.11.00.80.3股票比率（RS）adj .bvps91.0100.0106.782.4dps4.04.13.81.4valuation比率（x）p / e6.74.24.18.3p / adj.bvps0.60.50.50.6其他键比（％）信用/存款74.473.871.570.9cost / engem39.138.439 .744.0casa26.022.121.720.3car14.113.012.311.6tier-i limes8.78.38.38.1gross npls / loans0.91.31.73.4prov / avg loans0.net npls / net
loans0.50.91.22.3tax率26.921.014。 9（132.4）股息收益率为37.438.335.512.6公司银行 - 独立同行比较和财务分析

同伴比较

细节m cap（rs cr）帕特（卢比）p / bv（x）P / E（x）ROA（％）ROE（％）车 （％）gnpl（％）nnpl / nw（％）BANKHDFC BANK LTD.259,8118,4785.026.71.921.316.11.01.9印度银行200,00710,8911.616.10.610.012.45.026.3CICI银行LTD184,5449,8102.316.91.714.017.73.04.5

金融

收入证明

Y / E 31 Mar（Rs Cr）FY11FY12FY13FY14利息收入9,13513,01815,33417,959interest费用（6,196）（9,871）（11,908）（14,175）净利息收入2,940 3,147 3,426 3,784non-youllenn收入1,2561,4931,6081,648总op收入4,196 4,640 5,034 5,431total op费用（1,642）（1,784）（1,997）（2,392）op利润（预先剥夺）2,554 2,856 3,037 3,039零条（620）（950）（1,351）（2,798）税前税前利润1,934 1,906 1,686 242taxes（520）（520）（ 399）（251）（320）净利润1,413 1,506 1,435 562

资产负债表

Y / E 31 Mar（Rs Cr）FY11FY12FY13FY14总现金和平等现金10,39311,69812,688314,23958,605017,46918,47137,08658,47137,086，red ass ont ant.2,69659,642189,43564,4859,4356,464289,4356,4642165,43564,4859,43564总资产143509 163560 193442 222,048Net worth7,1388,2769,56610,085Deposits116,747136,142166,005193,393Borrowings15,96514,24812,89913,021Total INT-熊liab132,713150,390178,904206,414Non-INT-轴承liab3， 6584,8944,9725,549总负债136,371 155,284 183,877 211,963股权+总引用143,509 163,560 193,442 222,048

关键比率

Y / E 31 MarFY11FY12FY13FY14生长矩阵（％）净利息收入54.57.08.910.4TOTAL op收入23.510.68.57.9 op利润（预剥削）19.511.86.30.1NET利润20.86.6（4.7）（60.8）（60.8）推广37.415.718.215.5deposits25.918.215.5deposits25.916.621.916.5总产量为28.514.018.314.8富集性比率（％）NIM2.52.52.32.1non-inc Inc / Total Inc29.932.231.930.3RETURN在AVG EQUITY21.919.516.15.7RETURN ON AVG ASSETS1.11.00.80.3股票比率（RS）adj .bvps91.0100.0106.782.4dps4.04.13.81.4valuation比率（x）p / e6.74.24.18.3p / adj.bvps0.60.50.50.6其他键比（％）信用/存款74.473.871.570.9cost / engem39.138.439 .744.0casa26.022.121.720.3car14.113.012.311.6tier-i limes8.78.38.38.1gross npls / loans0.91.31.73.4prov / avg loans0.net npls / net
loans0.50.91.22.3tax率26.921.014。 9（132.4）股息收益率为37.438.335.512.6公司银行 - 独立同行比较和财务分析

同伴比较

细节m cap（rs cr）帕特（卢比）p / bv（x）P / E（x）ROA（％）ROE（％）车 （％）gnpl（％）nnpl / nw（％）BANKHDFC BANK LTD.259,8118,4785.026.71.921.316.11.01.9印度银行200,00710,8911.616.10.610.012.45.026.3CICI银行LTD184,5449,8102.316.91.714.017.73.04.5

金融

收入证明

Y / E 31 Mar（Rs Cr）FY11FY12FY13FY14利息收入9,13513,01815,33417,959interest费用（6,196）（9,871）（11,908）（14,175）净利息收入2,940 3,147 3,426 3,784non-youllenn收入1,2561,4931,6081,648总op收入4,196 4,640 5,034 5,431total op费用（1,642）（1,784）（1,997）（2,392）op利润（预先剥夺）2,554 2,856 3,037 3,039零条（620）（950）（1,351）（2,798）税前税前利润1,934 1,906 1,686 242taxes（520）（520）（ 399）（251）（320）净利润1,413 1,506 1,435 562

资产负债表

Y / E 31 Mar（Rs Cr）FY11FY12FY13FY14总现金和平等现金10,39311,69812,688314,23958,605017,46918,47137,08658,47137,086，red ass ont ant.2,69659,642189,43564,4859,4356,464289,4356,4642165,43564,4859,43564总资产143509 163560 193442 222,048Net worth7,1388,2769,56610,085Deposits116,747136,142166,005193,393Borrowings15,96514,24812,89913,021Total INT-熊liab132,713150,390178,904206,414Non-INT-轴承liab3， 6584,8944,9725,549总负债136,371 155,284 183,877 211,963股权+总引用143,509 163,560 193,442 222,048

关键比率

Y / E 31 MarFY11FY12FY13FY14生长矩阵（％）净利息收入54.57.08.910.4TOTAL op收入23.510.68.57.9 op利润（预剥削）19.511.86.30.1NET利润20.86.6（4.7）（60.8）（60.8）推广37.415.718.215.5deposits25.918.215.5deposits25.916.621.916.5总产量为28.514.018.314.8富集性比率（％）NIM2.52.52.32.1non-inc Inc / Total Inc29.932.231.930.3RETURN在AVG EQUITY21.919.516.15.7RETURN ON AVG ASSETS1.11.00.80.3股票比率（RS）adj .bvps91.0100.0106.782.4dps4.04.13.81.4valuation比率（x）p / e6.74.24.18.3p / adj.bvps0.60.50.50.6其他键比（％）信用/存款74.473.871.570.9cost / engem39.138.439 .744.0casa26.022.121.720.3car14.113.012.311.6tier-i limes8.78.38.38.1gross npls / loans0.91.31.73.4prov / avg loans0.net npls / net loans0.50.91.22.3tax率26.921.014。 9（132.4）红利产量37.438.335.512.6