Union bank of india (1)

1. Union bank of india
History
1919 UBI was registered on November 11, 1919 as a limited company in
Mumbai. It was inaugurated by Mahatma Gandhi.
1947 UBI had only 4 branches - 3 in Mumbai and 1 in Saurashtra, all
concentrated in key trade centres.
1975 The Government nationalized UBI. At the time of its nationalization,
UBI had 240 branches in 28 states.
After nationalization, UBI merged in Belgaum Bank, a private sector bank
established in 1930.
1985 UBI merged in Miraj State Bank, established in 1929.
1999 UBI acquired Sikkim Bank in a rescue at the request of the Reserve
Bank of India after the discovery of extensive irregularities at the non-
scheduled bank. Sikkim Bank had eight branches located in the North-east,
which was attractive to UBI.
2007 UBI opened representative offices in Abu Dhabi, United Arab
Emirates, and Shanghai, Peoples Republic of China.
2008 UBI opened a branch in Hong Kong, its first branch outside India.
Dec 2009 UBI opened a representative office in Sydney
The Union Bank of India was built up in twentieth century and declared open by
the Father of the Nation, Mahatama Gandhi. The bank with its efficient value-
added services, sustained growth, consistent profitability and development of new
technologies bank has ensured complete customer delight, living up to its image of,
“GOOD PEOPLE TO BANK WITH”. Bank is offering credit cards, home loan,
union demat, Kisan ATM, International debit card, online tax payment facility,
Railway e-ticketing kiosk, etc., services to its customers through core banking
solution.

The Union Bank of India has 2261 branches out which 1031 branches are under
CBS. Presently 939 ATMs spread out across India both Onsite and Offsite. All the
ATMs are inter-connected through the Bank’s ATM Switch, thus facilitating on-
line operations in case of CBS customers. The Bank is a member of Cash Tree
consortium and also has bilateral arrangement with State Bank of India, enabling
the Bank’s ATM cardholder access to over 20000 ATMs across the country. UBI
Net connects 65 Offices and 984 branches located in 323 centers, facilitating
speedier transmission of MIS data (Network Map). The network also facilitates the

2. implementation of Core Banking Solution, apart from DEMAT services, Cash
Management services, fund transfers, messaging system, etc.The Bank is using
VSAT network for connecting branches and ATMs wherever leased line
connectivity is not feasible. We have 590 VSATs operational, connecting 194
branches/extension counters and 316 ATMs.
Gold Coin Price as of Dt. 11/03/2010
Denomination Price (Rs.)*
5 Gms. ( 995 Purity) 9099.00
5 Gms. (9999 Purity) 9141.00
8 Gms. 14616.00
10 Gms. 18283.00

*Sales Tax and other local taxes extra



Andhra bank
Brief History
"Andhra Bank" was founded by the eminent freedom fighter and a multifaceted
genius, Dr.Bhogaraju Pattabhi Sitaramayya. The Bank was registered on 20th
November 1923 and commenced business on 28th November 1923 with a paid up
capital of Rs 1.00 lakh and an authorised capital of Rs 10.00 lakhs.

Founder;Dr Bhogaraju Pattabhi Sitaramayya was born on 24th November 1880 in
Gundugolanu village, West Godavari District in Andhra Pradesh. He was a
renowned Freedom Fighter and a very illustrious personality
Andhra Bank was registered on 20 November 1923 and commenced business on
28 November 1923 with a paid up capital of Rs 1.00 lakh and an authorised capital
of Rs 10.00 lakhs. The Bank crossed many milestones
[clarification needed
and the Bank's
Total Business as on 30.06.2008 stood at Rs.83,256 Crores with a Clientele base
over 1.74 Crores.
[citation needed]
The Bank is rendering services through 2139 Business
Delivery Channels consisting of 1371 branches, 66 Extension Counters, 38
Satellite Offices and 664 ATMs spread over 21 States and 2 Union Territories as at
the end of June, 2008. All Branches are 100% computerized, 1186 units viz., 1101
Branches, 68 Extension Counters, 15 Service Centres networked under Cluster

3. Banking solution and providing "Any Branch Banking(ABB)". Real Time Gross
Settlement (RTGS) Facility and National Electronic Fund Transfer (NEFT) facility
has been introduced in 723 Branches. To provide value-added services
[clarification
needed]
to Customers, the Bank has set up its own 664 ATMs as on 30.06.2008. Of
which 03
[clarification needed]
Mobile ATMs and two with Biometric access. Besides,
ATM sharing arrangements with several Banks including SBI group, IDBI Bank,
UTI Bank, HDFC Bank, Indian Bank and others under National Financial Network
Switch covering 24856 ATMs.

GOLD COINS FROM ANDHRA BANK
Today Selling Price Date: 11 / Mar / 2010
(exclusive of Sales Tax/VAT)
Weight of Coin Price in Rs.
4 gms Rs 7185/- **
8 gms. Rs 14252/-**
10 gms. Rs 17802/-

Andhra Bank is selling Gold Coins directly by importing from Switzerland. It has the approval from RBI for
retail sale of gold to its customers.
The coins are 24 Carat, 999.9 pure gold with a "Assay Certification" indicating the highest quality of gold
as per International Standards.
Gold Coins are currently available in 4g, 8g & 10g denominations in round shape. Launching 5g, 20g & 50g
shortly.



Corporatiion bank
Every institution has its start in modest initiatives but what makes it great is the
passion of the people behind it. Carrying the legacy forward with an undaunted
commitment to its vision, the journey of Corporation Bank truly epitomizes this.

Started about 103 years ago in 1906, with an initial capital of just Rs.5000,
Corporation Bank is all set to cross Rs. One Lakh Twenty five Crore mark in
business and even far more, with over 2086 service outlets across the nation,served

4. by committed and dedicated 12,000 plus Corp bankers. Proof of which is seen in
its enviable track record in financial performance. We have many reasons to cheer,
predominant of them is, being able to participate in nation building by empowering
the rural and urban population alike. Today, we are proud that we are significant
contributors to the growth of the country's economy.

Early Movers

Nationalised in 1980, Corporation Bank was the forerunner when it came to
evolving and adapting to the financial sector reforms. In 1997, it became the
Second Public Sector Bank in the country to enter capital market, the IPO of which
was over- subscribed by 13 times. the Bank has many " firsts " to its credit - Cash
Management Services, Gold Banking, m-Commerce, " Online " approvals for
Educational loans, 100% CBS Compliance and more recently, its poineering
efforts to take the technology to the rural masses in remotest villages through low-
cost branchless banking - Business Corresponent model. All of which symbolise
Bank's unswerved commitment to its customers to provide convenience banking.

At Corporation Bank, what motivates us is the passion to excel in banking by
maintaining highest standards of service to our customers, backed by innovative
products and services which makes us one of the leading Public Sector Banks in
the country, catering to a wide range of customers - from individuals to corporate
clients.

Gold Selling Rates for 11th March 2010

Coin Denomination

Rate
(excl. Sales Tax/VAT) in Rs.
2 Gram

3798

4 Gram

7263

5 Gram

9263

8 Gram

14240

20 Gram

35231

5. 50 Gram

86502

100 Gram

168265



 Gold coins of 2 grams to 50 grams with 999.9 purity
 100 grams bar with 999.0 purity

The Above rates are exclusive of Sales Tax / VAT which will be charged as applicable. The rates are indicative as at 9.30 a.m.,
today, the 11th March, 2010, and are subject to change.
Icici bank
History of ICICI
1955: The Industrial Credit and Investment Corporation of India Limited (ICICI) was incorporated
at the initiative of World Bank, the Government of India and representatives of Indian industry,
with the objective of creating a development financial institution for providing medium-term
and long-term project financing to Indian businesses.
1994: ICICI established Banking Corporation as a banking subsidiary.formerly Industrial Credit
and Investment Corporation of India. Later, ICICI Banking Corporation was renamed as 'ICICI
Bank Limited'. ICICI founded a separate legal entity, ICICI Bank, to undertake normal banking
operations - taking deposits, credit cards, car loans etc.
2001: ICICI acquired Bank of Madura (est. 1943). Bank of Madura was a Chettiar bank, and had
acquired Chettinad Mercantile Bank (est. 1933) and Illanji Bank (established 1904) in the 1960s.
2002: The Boards of Directors of ICICI and ICICI Bank approved the reverse merger of ICICI, ICICI
Personal Financial Services Limited and ICICI Capital Services Limited, into ICICI Bank. After
receiving all necessary regulatory approvals, ICICI integrated the group's financing and banking
operations, both wholesale and retail, into a single entity. At the same time, ICICI started its
international expansion by opening representative offices in New York and London. In India,
ICICI Bank bought the Shimla and Darjeeling branches that Standard Chartered Bank had
inherited when it acquired Grindlays Bank.
2003: ICICI opened subsidiaries in Canada and the United Kingdom (UK), and in the UK it
established an alliance with Lloyds TSB. It also opened an Offshore Banking Unit (OBU) in
Singapore and representative offices in Dubai and Shanghai.
2004: ICICI opened a representative office in Bangladesh to tap the extensive trade between
that country, India and South Africa.
2005: ICICI acquired Investitsionno-Kreditny Bank (IKB), a Russia bank with about US$4mn in
assets, head office in Balabanovo in the Kaluga region, and with a branch in Moscow. ICICI
renamed the bank ICICI Bank Eurasia. Also, ICICI established a branch in Dubai International
Financial Centre and in Hong Kong.
2006: ICICI Bank UK opened a branch in Antwerp, in Belgium. ICICI opened representative offices
in Bangkok, Jakarta, and Kuala Lumpur.
2007: ICICI amalgamated Sangli Bank, which was headquartered in Sangli, in Maharashtra State,
and which had 158 branches in Maharashtra and another 31 in Karnataka State. Sangli Bank had
been founded in 1916 and was particularly strong in rural areas. With respect to the
international sphere, ICICI also received permission from the government of Qatar to open a
branch in Doha. Also, ICICI Bank Eurasia opened a second branch, this time in St. Petersburg.

6. 2008: The US Federal Reserve permitted ICICI to convert its representative office in New York
into a branch. ICICI also established a branch in Frankfurt.

Investor Relations
ICICI Bank disseminates information on its operations and initiatives on a regular basis. The ICICI Bank website
serves as a key investor awareness facility, allowing stakeholders to access information on ICICI Bank at their
convenience. ICICI Bank's dedicated investor relations personnel play a proactive role in disseminating information to
both analysts and investors and respond to specific queries.


Founded
1955 (as Industrial Credit and Investment
Corporation of India)
Headquarters
ICICI Bank Ltd.,
ICICI Bank Towers,
Bandra Kurla,
Mumbai, India
Key people
K.V. Kamath,Chairman
Chanda Kochhar, Managing Director &
CEO
Sandeep Bakhshi, Deputy Managing
Director
N.S. Kannan, Executive Director & CFO
K. Ramkumar, Executive Director
Sonjoy Chatterjee, Executive Director
Industry
Banking
Insurance
Capital Markets and allied industries
Products
Loans, Credit Cards, Savings, Investment
vehicles, Insurance etc.

7. Revenue ▲ USD 15.06 billion
Total assets ▲ USD 120.61 billion (at March 31, 2009.)
Website www.icicibank.com

Balance sheet
Mar ' 09 Mar ' 08 Mar ' 07 Mar ' 06 Mar ' 05
Sources of funds
Owner's fund
Equity share capital 1,113.29 1,112.68 899.34 889.83 736.75
Share application money - - - - 0.02
Preference share capital 350.00 350.00 350.00 350.00 350.00
Reserves & surplus 48,419.73 45,357.53 23,413.92 21,316.16 11,813.20
Loan funds
Secured loans - - - - -
Unsecured loans 2,18,347.82 2,44,431.05 2,30,510.19 1,65,083.17 99,818.78
Total 2,68,230.84 2,91,251.26 2,55,173.45 1,87,639.16 1,12,718.75
Uses of funds
Fixed assets
Gross block 7,443.71 7,036.00 6,298.56 5,968.57 5,525.65
Less : revaluation reserve - - - - -
Less : accumulated depreciation 3,642.09 2,927.11 2,375.14 1,987.85 1,487.61
Net block 3,801.62 4,108.90 3,923.42 3,980.71 4,038.04
Capital work-in-progress - - 189.66 147.94 96.30
Investments 1,03,058.31 1,11,454.34 91,257.84 71,547.39 50,487.35
Net current assets
Current assets, loans & advances 34,384.06 31,129.77 23,551.85 15,642.79 11,115.99
Less : current liabilities & provisions 43,746.43 42,895.38 38,228.64 25,227.88 21,396.16

8. Mar ' 09 Mar ' 08 Mar ' 07 Mar ' 06 Mar ' 05
Total net current assets -9,362.37 -11,765.62 -14,676.78 -9,585.09 -10,280.17
Miscellaneous expenses not written - - - - -
Total 97,497.56 1,03,797.62 80,694.15 66,090.96 44,341.52
Notes:
Book value of unquoted investments - - - - -
Market value of quoted investments - - - - -
Contingent liabilities 8,40,670.63 4,01,114.91 1,99,771.41 1,34,920.99 1,07,311.46
Number of equity sharesoutstanding
(Lacs)
11126.87 11126.87 8992.67 8898.24 7367.16
Profit loss account
Mar ' 09 Mar ' 08 Mar ' 07 Mar ' 06 Mar ' 05
Income
Operating income 38,250.39 39,467.92 28,457.13 17,517.83 11,838.10
Expenses
Material consumed - - - - -
Manufacturing expenses - - - - -
Personnel expenses 1,971.70 2,078.90 1,616.75 1,082.29 737.41
Selling expenses 669.21 1,750.60 1,741.63 840.98 601.71
Adminstrative expenses 7,475.63 6,447.32 4,946.69 2,727.18 1,248.31
Expenses capitalised - - - - -
Cost of sales 10,116.54 10,276.82 8,305.07 4,650.45 2,587.43
Operating profit 5,407.91 5,706.85 3,793.56 3,269.94 2,679.78
Other recurring income 330.64 65.58 309.17 466.02 448.46
Adjusted PBDIT 5,738.55 5,772.43 4,102.73 3,735.96 3,128.25
Financial expenses 22,725.93 23,484.24 16,358.50 9,597.45 6,570.89
Depreciation 678.60 578.35 544.78 623.79 590.36
Other write offs - - - - -
Adjusted PBT 5,059.96 5,194.08 3,557.95 3,112.17 2,537.88
Tax charges 1,830.51 1,611.73 984.25 556.53 522.00
Adjusted PAT 3,740.62 4,092.12 2,995.00 2,532.95 2,007.28
Non recurring items 17.51 65.61 115.22 7.12 -2.08

9. Mar ' 09 Mar ' 08 Mar ' 07 Mar ' 06 Mar ' 05
Other non cash adjustments -0.58 - - - -
Reported net profit 3,757.55 4,157.73 3,110.22 2,540.07 2,005.20
Earnigs before appropriation 6,193.87 5,156.00 3,403.66 2,728.30 2,058.29
Equity dividend 1,224.58 1,227.70 901.17 759.33 632.96
Preference dividend - - - - -
Dividend tax 151.21 149.67 153.10 106.50 90.10
Retained earnings 4,818.07 3,778.63 2,349.39 1,862.46 1,335.22
Cash flow(in crores)
Mar ' 09 Mar ' 08 Mar ' 07 Mar ' 06 Mar ' 05
Profit before tax 5,116.97 5,056.10 3,648.04 3,096.61 2,527.20
Net cashflow-operating activity -14,188.49 -11,631.15 23,061.95 4,652.93 9,131.72
Net cash used in investing activity 3,857.88 -17,561.11 -18,362.67 -7,893.98 -3,445.24
Netcash used in fin. activity 1,625.36 29,964.82 15,414.58 7,350.90 -1,227.13
Net inc/dec in cash and equivlnt -8,074.57 683.55 20,081.10 4,110.25 4,459.34
Cash and equivalnt begin of year 38,041.13 37,357.58 17,040.22 12,929.97 8,470.63
Cash and equivalnt end of year 29,966.56 38,041.13 37,121.32 17,040.22 12,929.97


Dividend
Year Month Dividend (%)
2009 Apr 110
2008 Apr 110
2007 Apr 100
2006 Apr 85
2005 May 85

10. Year Month Dividend (%)
2004 Apr 75
2003 Apr 75
2002 May -
2002 Jan 20
2001 Apr 20
2000 Apr 15
1999 Apr 12
1998 Apr 10z



Share holding
Share holding pattern as on : 31/12/2009 30/09/2009 30/06/2009
Face value 10.00 10.00 10.00

No. Of
Shares
%
Holding
No. Of
Shares
%
Holding
No. Of
Shares
%
Holding
Promoter's holding
Sub total - - - - - -
Non promoter's holding
Institutional investors
Banks Fin. Inst. and
Insurance
196772204 17.66 193684224 17.39 184997587 16.62
FII's 405186131 36.37 393903476 35.37 404572215 36.34
Sub total 681285777 61.15 666311911 59.84 665820721 59.80
Other investors
Private Corporate Bodies 30683910 2.75 32640436 2.93 37174101 3.34
NRI's/OCB's/Foreign Others 8344069 0.75 8661306 0.78 9403169 0.84
Direcctors/Employees 915614 0.08 933488 0.08 938988 0.08
Govt 6760 - 7380 - 19780 -
Others 324764614 29.15 335589655 30.14 326545246 29.33
Sub total 364710768 32.73 377828066 33.93 374077085 33.60
General public 68131224 6.12 69419969 6.23 73422082 6.59
Grand total 1114127769 100.00 1113559946 100.00 1113319888 100.00

11. (Rs crore)
Capital structure
From
Year
To
Year
Class Of
Share
Authorized
Capital
Issued
Capital
Paid Up Shares
(Nos)
Paid Up Face
Value
Paid Up
Capital
2008 2009
Equity
Share
1,275.00 1,113.25 1113250642 10 1,113.25
2007 2008
Equity
Share
1,275.00 1,112.69 1112687495 10 1,112.69
2006 2007
Equity
Share
1,000.00 899.27 899266672 10 899.27
2005 2006
Equity
Share
1,000.00 153.84 153844503 10 153.84
2005 2006
Equity
Share
1,000.00 889.82 889823901 10 889.82
2004 2005
Equity
Share
1,550.00 616.39 350000000 10 350.00
2004 2005
Equity
Share
1,550.00 616.39 616391905 10 616.39
2003 2004
Equity
Share
1,550.00 613.02 613021301 10 613.02
2001 2002
Equity
Share
300.00 220.36 220358680 10 220.36
2000 2001
Equity
Share
300.00 196.82 196818880 10 196.82
1999 2000
Equity
Share
300.00 196.82 196818880 10 196.82
1997 1999
Equity
Share
300.00 165.00 165000700 10 165.00
1995 1997
Equity
Share
300.00 150.00 150000700 10 150.00
1994 1995
Equity
Share
300.00 150.00 150000000 7 105.00
1994 1995
Equity
Share
300.00 150.00 700 10 -

12. Ratios
Mar ' 09 Mar ' 08 Mar ' 07 Mar ' 06 Mar ' 05
Per share ratios
Adjusted EPS (Rs) 33.62 36.78 33.30 28.47 27.25
Adjusted cash EPS (Rs) 39.72 41.97 39.36 35.48 35.26
Reported EPS (Rs) 33.78 37.37 34.59 28.55 27.22
Reported cash EPS (Rs) 39.87 42.56 40.64 35.56 35.23
Dividend per share 11.00 11.00 10.00 8.50 8.50
Operating profit per share (Rs) 48.60 51.29 42.19 36.75 36.37
Book value (excl rev res) per share (Rs) 445.17 417.64 270.37 249.55 170.35
Book value (incl rev res) per share (Rs.) 445.17 417.64 270.37 249.55 170.35
Net operating income per share (Rs) 343.77 354.71 316.45 196.87 160.69
Free reserves per share (Rs) 351.22 346.21 199.52 193.24 110.70
Profitability ratios
Operating margin (%) 14.13 14.45 13.33 18.66 22.63
Gross profit margin (%) 12.36 12.99 11.41 15.10 17.64
Net profit margin (%) 9.74 10.51 10.81 14.12 16.32
Adjusted cash margin (%) 11.45 11.81 12.30 17.55 21.14
Adjusted return on net worth (%) 7.55 8.80 12.31 11.40 15.99
Reported return on net worth (%) 7.58 8.94 12.79 11.43 15.97
Return on long term funds (%) 56.72 62.34 82.46 56.24 70.54
Leverage ratios
Long term debt / Equity 0.01 0.01 0.01 0.01 0.02
Total debt/equity 4.42 5.27 9.50 7.45 7.98
Owners fund as % of total source 18.46 15.95 9.52 11.83 11.13
Fixed assets turnover ratio 5.14 5.61 4.52 2.94 2.14
Liquidity ratios
Current ratio 0.78 0.72 0.61 0.62 0.51
Current ratio (inc. st loans) 0.13 0.10 0.08 0.08 0.09

13. Mar ' 09 Mar ' 08 Mar ' 07 Mar ' 06 Mar ' 05
Quick ratio 5.94 6.42 6.04 6.64 4.98
Inventory turnover ratio - - - - -
Payout ratios
Dividend payout ratio (net profit) 36.60 33.12 33.89 34.08 36.05
Dividend payout ratio (cash profit) 31.00 29.08 28.84 27.36 27.85
Earning retention ratio 63.23 66.35 64.80 65.82 63.98
Cash earnings retention ratio 68.87 70.51 70.22 72.58 72.17
Coverage ratios
Adjusted cash flow time total debt 49.41 52.34 65.12 52.30 38.43
Financial charges coverage ratio 1.25 1.25 1.25 1.39 1.48
Fin. charges cov.ratio (post tax) 1.20 1.20 1.22 1.33 1.40
Component ratios
Material cost component (% earnings) - - - - -
Selling cost Component 1.74 4.43 6.12 4.80 5.08
Exports as percent of total sales - - - - -
Import comp. in raw mat. consumed - - - - -
Long term assets / total Assets 0.75 0.78 0.80 0.82 0.83
Bonus component in equity capital (%) - - -



Quarterly results in brief
Dec ' 09 Sep ' 09 Jun ' 09 Mar ' 09 Dec ' 08
Sales 6,089.57 6,656.94 7,133.44 7,529.69 7,836.08
Operating profit 3,725.02 4,161.11 4,263.77 4,788.10 5,094.27
Interest 4,031.48 4,620.87 5,148.18 5,390.85 5,845.67
Gross profit 2,368.84 2,435.33 2,529.12 2,155.46 2,770.84
EPS (Rs) 9.88 9.34 7.89 6.68 11.43


Half yearly results in brief
Sep ' 09 Mar ' 09 Sep ' 08 Mar ' 08 Sep ' 07

14. Sep ' 09 Mar ' 09 Sep ' 08 Mar ' 08 Sep ' 07
Sales 13,790.38 15,365.77 15,726.78 15,941.04 14,847.30
Operating profit 8,424.88 9,882.37 10,356.81 9,955.15 9,774.42
Interest 9,769.05 11,236.52 11,489.41 11,901.89 11,582.35
Gross profit 4,964.45 4,926.30 3,998.93 4,549.33 3,411.36
EPS (Rs) 17.23 18.11 15.65 21.39 16.0