Canara Bank

Year
2014
2013
2012
2011
2010

Gross Income Average (3 years) Capital Charge

2,438.2
2,864.3
429.7
2,872.1
3,393.6
509.0
3,282.7
3,443.3
516.5
4,025.9
3,021.4

Year
2014
2013
2012
2011
2010

Gross Income Average (3 years) Capital Charge

10,891.2
12,234.5
1,835.2
14,105.0
11,358.9
1,703.8
11,707.3
9,712.6
1,456.9
8,264.5
9,166.0

SBI

HDFC
Year
2014
2013
2012
2011
2010

Gross Income Average (3 years) Capital Charge

8,478.4
6,790.6
1,018.6
6,726.3
5,273.3
791.0
5,167.1
4,032.4
604.9
3,926.4
3,003.7

Alpha
0.15

Canara Ba
Business Units

Business Lines

Beta Factor

Assumptions

Investment Banking

Corporate Finance
Trading And Sales
Commercial Banking
Retail Banking
Payment and Settlement
Retail Brokerage
Asset Management
Agency Services

18%
18%
15%
12%
18%
12%
12%
15%

8%
7%
25%
40%
4%
4%
8%
4%

Banking

Others

SBI
Business Units
Investment Banking
Banking

Others

Business Lines
Corporate Finance
Trading And Sales
Commercial Banking
Retail Banking
Payment and Settlement
Retail Brokerage
Asset Management
Agency Services

Beta Factor

Assumptions

18%
18%
15%
12%
18%
12%
12%
15%

8%
7%
25%
40%
4%
4%
8%
4%

HDFC
Business Units
Investment Banking
Banking

Others

Business Lines
Corporate Finance
Trading And Sales
Commercial Banking
Retail Banking
Payment and Settlement
Retail Brokerage
Asset Management
Agency Services

Beta Factor

Assumptions

18%
18%
15%
12%
18%
12%
12%
15%

8%
7%
25%
40%
4%
4%
8%
4%

Canara Bank

Total

2014
229.1
200.5
716.1
1,145.7
114.6
114.6
229.1
114.6
2,864.3

Income
2013
271.5
237.5
848.4
1,357.4
135.7
135.7
271.5
135.7
3,393.6

2014
978.8
856.4
3,058.6
4,893.8
489.4
489.4
978.8
489.4
12,234.5

Income
2013
908.7
795.1
2,839.7
4,543.6
454.4
454.4
908.7
454.4
11,358.9

2014
543.2
475.3
1,697.6
2,716.2
271.6
271.6
543.2
271.6
6,790.6

Income
2013
421.9
369.1
1,318.3
2,109.3
210.9
210.9
421.9
210.9
5,273.3

2012
275.5
241.0
860.8
1,377.3
137.7
137.7
275.5
137.7
3,443.3

Total

Capital Charge
2014
2013
41.2
48.9
36.1
42.8
107.4
127.3
137.5
162.9
20.6
24.4
13.7
16.3
27.5
32.6
17.2
20.4
401.3
475.4

Total

Capital Charge
2014
2013
176.2
163.6
154.2
143.1
458.8
426.0
587.3
545.2
88.1
81.8
58.7
54.5
117.5
109.0
73.4
68.2
1,714.1 1,591.4

Total

Capital Charge
2014
2013
97.8
75.9
85.6
66.4
254.6
197.7
325.9
253.1
48.9
38.0
32.6
25.3
65.2
50.6
40.7
31.6
951.4
738.8

SBI

Total

2012
777.0
679.9
2,428.1
3,885.0
388.5
388.5
777.0
388.5
9,712.6

HDFC

Total

2012
322.6
282.3
1,008.1
1,613.0
161.3
161.3
322.6
161.3
4,032.4

ital Charge
2012
49.6
43.4
129.1
165.3
24.8
16.5
33.1
20.7
482.4

ital Charge
2012
139.9
122.4
364.2
466.2
69.9
46.6
93.2
58.3
1,360.7

ital Charge
2012
58.1
50.8
151.2
193.6
29.0
19.4
38.7
24.2
564.9

Canara Ba
Business Units

Business Lines

Beta Factor

Assumptions

Investment Banking

Corporate Finance
Trading And Sales
Commercial Banking
Retail Banking
Payment and Settlement
Retail Brokerage
Asset Management
Agency Services

18%
18%
15%
12%
18%
12%
12%
15%

8%
7%
25%
40%
4%
4%
8%
4%

Banking

Others

SBI
Business Units
Investment Banking
Banking

Others

Business Lines
Corporate Finance
Trading And Sales
Commercial Banking (LOANS)
Retail Banking (LOANS)
Payment and Settlement
Retail Brokerage
Asset Management
Agency Services

Beta Factor

Assumptions

18%
18%
15%
12%
18%
12%
12%
15%

8%
7%
25%
40%
4%
4%
8%
4%

HDFC
Business Units
Investment Banking
Banking

Others

Business Lines
Corporate Finance
Trading And Sales
Commercial Banking
Retail Banking
Payment and Settlement
Retail Brokerage
Asset Management
Agency Services

Beta Factor

Assumptions

18%
18%
15%
12%
18%
12%
12%
15%

8%
7%
25%
40%
4%
4%
8%
4%

Loan Book
HDFC Bank
Retail
2014

Commercial
1572
1432

2013
2012

1314
1194
1105
715
1330.3333333333 1113.666667

Canara Bank

Total

2014
229.1
200.5
123,722.0
33,529.0
114.6
114.6
229.1
114.6
158,253.5

Income
2013
271.5
237.5
110,112.6
29,840.8
135.7
135.7
271.5
135.7
141,141.1

2014
978.8
856.4
689,471.0
209,929.3
489.4
489.4
978.8
489.4
903,682.4

Income
2013
908.7
795.1
620,523.9
188,936.4
454.4
454.4
908.7
454.4
813,435.9

2014
543.2
475.3
111,366.7
133,033.3
271.6
271.6
543.2
271.6
246,776.7

Income
2013
421.9
369.1
100,230.0
119,730.0
210.9
210.9
421.9
210.9
221,805.6

Total

Capital Charge
2014
2013
41.2
48.9
36.1
42.8
649.5
578.1
140.8
125.3
20.6
24.4
13.7
16.3
27.5
32.6
17.2
20.4
946.8
888.7

2012
777.0
679.9
564,676.7
171,932.1
388.5
388.5
777.0
388.5
740,008.3 Total

Capital Charge
2014
2013
176.2
163.6
154.2
143.1
3619.7
3257.8
881.7
793.5
88.1
81.8
58.7
54.5
117.5
109.0
73.4
68.2
5,169.4 4,671.5

2012
322.6
282.3
88,202.4
105,362.4
161.3
161.3
322.6
161.3
194,976.1 Total

Capital Charge
2014
2013
97.8
75.9
85.6
66.4
584.7
526.2
558.7
502.9
48.9
38.0
32.6
25.3
65.2
50.6
40.7
31.6
1,514.2 1,317.0

2012
275.5
241.0
101,303.6
27,453.5
137.7
137.7
275.5
137.7
129,962.3

SBI

Total

HDFC

Total

SBI
Retail
Commercial
237667
793153

Canara Bank
Retail
Commercial

209694
182427
209929

699798
575462
689471

ital Charge
2012
49.6
43.4
531.8
115.3
24.8
16.5
33.1
20.7
835.2

ital Charge
2012
139.9
122.4
2964.6
722.1
69.9
46.6
93.2
58.3
4,217.0

ital Charge
2012
58.1
50.8
463.1
442.5
29.0
19.4
38.7
24.2
1,125.8

Please note the M

change in formula

0.035