Bank Performance Anal

Particulars Mar-16

Rs in Crore
1 Total Assets 140,058.20
2 Earning Assets
Balances with RBI 4,521.04
Balances with Banks in Deposit Accounts 3,059.53
Balances with Banks & money at Call & Short Notice 5,590.83
Balances with Banks Outside India 207.70
Investments + 31,215.52
Advances + 88,419.34
Total Earning Assets 133,013.96
3 Interest bearing Liabilities
Saving Deposits 17,246.25
Term & Other Deposits+Demand deposits 75,754.10
Borrowings 21,846.96
Subordinated Debt 308.90
Total Interest bearing liabilities 115,156.21

Equity Capital 594.99

Reserves 17,088.43
Total Equity 17,683.42
5 Interest Income 11,580.66
6 Interest Expenditure 7,064.09
10 Non-interest operating income 3,296.95
11 Non-interest operating Expenditure 3,672.10
12 Provisions and Contingencies 1,854.97
Provisions and Contingencies include provision for tax
Profit After tax 2,286.45

Profitability Ratios
Return on Assets= NI/ TA 0.016

Equity Multiplier TA/ TE 7.92

ROE=ROA X EM 0.13

NI/ OR 0.15

OR/ TA 0.11

TE/ TA 0.13

(II - IE)/ TA 0.032

Provisions/TA 0.013

(II- IE)/E A 0.034

(OI-OE)/ TA -0.003

NIM 0.032

II/ EA 0.087

IE/ Intt Bearing Liab 0.061

Intt Bearing Liabilities/ EA 0.866

Spread 0.026

Efficiency ratio= Non intt exp/ (Net Interest Income+Non intt income) 24.68%

Risk Ratios
Liquidity Risk= Short term securities/ Deposits 0.336

Interest Rate Risk = Interest Sensitive Assets/ Interest Sensitive Liabiliti 0.768

Credit Risk = Provisioning / Assets 0.013

Capital Risk = Capital / Assets 0.004

Leverage ratio= Total equity/Total assets 0.126

Total capital ratio= (Total equity + Long-term debt + Reserve for loan 0.295
losses)/Total assets

Provision for loan loss ratio= PLL/ TL (provision for loan losses/total 0.021
loans and leases)
Loan Ratio = Net loans/ Total assets 0.618

Loss Ratio = Net charge-offs on loans (gross charge-offs minus

recoveries)/ Total loans and leases

Reserve Ratio = Reserve for loan losses (reserve for loan losses last year 0.084
minus gross charge-offs plus PLL and recoveries)/Total loans and
leases

Nonperforming ratio= Nonperforming assets (nonaccrual loans and

restructured loans)/Total loans and leases

Operating efficiency (cost control)= Wages and salaries/Total expenses 0.096

Volatile liability dependency ratio= (Total volatile liabilities - 0.302

Temporary investments)/Net loans and leases

Other Financial Ratios

Tax rate = Total taxes paid/Net income before taxes 0.567
Gap ratio = (Interest rate-sensitive assets – Interest rate-sensitive liabilities)/ Total assets -0.190898292287681
Performance Analysis- INDUSIND BANK

Mar-17 Mar-18 Mar-19 Mar-20

Rs in Crore Rs in Crore Rs in Crore Rs in Crore

178,649.90 221,627.78 277,820.70 307,228.60

7,748.75 10,962.41 9,961.17 13,682.58

2,333.97 310.25 1,954.75 1,000.50
10,879.51 2,253.47 4,822.23 2,371.52
1,921.68 1,324.79 2,217.04 1,230.66
36,703.62 50,078.33 59,268.04 599,384.41
113,080.51 144,953.66 186,393.50 206,783.17
172,668.04 209,882.91 264,616.74 824,452.84

27,037.23 45,888.27 54,485.67 53,129.83

99,534.99 105,750.90 140,382.24 148,897.16
21,453.69 36,289.08 43,831.22 57,263.65
1,000.00 2,000.00 3,489.90 3,489.90
149,025.91 189,928.25 242,189.03 262,780.54

598.15 600.22 602.69 693.54

20,034.25 23,228.47 26,073.37 33,371.20
20,632.40 23,828.69 26,676.06 34,064.74
14,405.67 17,280.75 22,261.15 28,782.83
8,343.07 9,783.30 13,414.97 16,724.09
4,171.49 4,750.10 5,646.72 6,952.67
4,783.08 5,591.44 6,405.30 8,182.59
2,583.13 3,050.12 4,787.12 6,370.96

2,867.89 3,605.99 3,300.48 4,457.87

0.016 0.016 0.012 0.015

8.66 9.30 10.41 9.02

0.14 0.15 0.12 0.13

0.16 0.16 0.12 0.13

0.10 0.10 0.10 0.12

0.12 0.11 0.10 0.11

0.034 0.034 0.032 0.039

0.014 0.014 0.017 0.021

0.035 0.036 0.033 0.015

-0.003 -0.004 -0.003 -0.004

0.034 0.034 0.032 0.039

0.083 0.082 0.084 0.035

0.056 0.052 0.055 0.064

 0.863 0.905 0.915 0.319

0.027 0.031 0.029 -0.029

25.75% 25.38% 22.95% 22.90%

0.290 0.330 0.304 2.967

0.759 0.763 0.770 0.787

0.014 0.014 0.017 0.021

0.003 0.003 0.002 0.002

0.115 0.108 0.096 0.111

 0.250 0.285 0.271 0.318

0.023 0.021 0.026 0.031

0.619 0.640 0.654 0.652

0.115 0.080 0.101 0.105

0.097 0.097 0.075 0.090

0.318 0.310 0.299 0.271

0.537 0.557 0.422 0.441

-0.201205828291074 -0.202928495285137 -0.200832881783107 -0.182266146261608
VISHAL SAINI PGFB1960

Analysis and comments

The ratio is considered an important profitability ratio, indicating the per-dollar profit a company earns on its assets.
The ROA ratio is a company's net, after-tax income divided by its total assets. An important point to note is since ban
highly
leveraged, even a relatively low ROA of 1 to 2% may represent substantial revenues and profit for a bank. Over the
we can see the trend of ROA ratio to be in the ideal range from 1.63% in FY2016 to 1.45% in FY2020 which can be
substantial revenues for the bank.

The Equity multiplier for the FY2019 is 10.41 and FY2020 is 9.02 which shows the degree of financial
leverage employed by the bank.

Return on Equity (or RONW) Return on Net Worth is a ratio that takes the perspective of the investor. By looking at
the investor sees if the entire net profit was passed on to him, how much return would he be getting. It explains the e
the shareholders’
capital to generate profit. It is same as Return on Equity (ROE). A rising RoNW reflects that a company is increasing
to generate
profit without having as much capital. It also means how well a company’s management is using the shareholders’ ca
other words, the higher the RoNW the better the company prospectus. RONW of IndusInd has increased from FY20
FY2020 from 12.4% to 13.1% which is a good sign for the company. The higher the ROE the better it is. On the oth
ROA shows the percentage of how profitable a company’s assets is in generating revenue.

It indicates how much income is generated by the firm in response to its operating revenue and the higher the ratio it
for the firm.
For Indusind bank it was 0.16 in year 17-18 which is highest in comparison to the 5 years which is good indicator th
was performing really
well and giving more and more return every year.

It indicates that how much the total operating sales of the firm in comparison to its total assets. The higher the ration
will be for the firm.
The Indusind bank is showing consistent performance over the years for 2020 it is 12% and for 2016 it is 11% which
similar which be seen in the trend.
It represents how much of assets is owned by equity. The higher the ratio it is more beneficial for the firm. In 2020 it
as in 2016
it was just 13% which is indicating that the dependency of assets on equity is decreasing over the year which is not a
indicator for Indusind bank.

Net interest margin (NIM) reveals the amount of money that a bank is earning in interest on loans compared to the am
paying in interest on deposits.
Net interest margin lies between 3.2% to 3.9% from 2016 to 2020. High net interest is a positive indication that the b
earning in interest on its loans
compared to how much it is paying out in interest on deposits and vice versa.
PCR is the ratio of provisioning to gross non-performing assets, and indicates the extent of funds a bank has kept asi
loan losses.
PCR ratio is increasing from 2016 to 2019 and there is a decline in a year in 2020. A high PCR ratio indicates most a
issues have
been taken care of and the bank is not vulnerable and vice versa.
PCR is the ratio of provisioning to gross non-performing assets, and indicates the extent of funds a bank has kept asi
loan losses.
PCR ratio is increasing from 2016 to 2019 and there is a decline in a year in 2020. A high PCR ratio indicates most a
issues have been taken care of and the bank is not vulnerable and vice versa.
PCR is the ratio of provisioning to gross non-performing assets, and indicates the extent of funds a bank has kept asi
loan losses.
PCR ratio is increasing from 2016 to 2019 and there is a decline in a year in 2020. A high PCR ratio indicates most a
issues have been taken care of and the bank is not vulnerable and vice versa.

It represents interest income minus interest expenditure in response to the total assets. The positive and higher ratio i
the firm
which simply implies that the firm is generating more interest income from its investments than its expenditure on d
comparison to
its assets. For Indusind bank it is showing the positive trend over the past 5 years and it is 1.5% in the year 2020 wh
indicating that Indusind bank xan improve its performance.

It indicates that how well the firm is doing in its non- interest income and non- interest expenditure in response to its
For the year 2020 its -0.49%
and over the years its is negative which is showing the expenditure Is more than the income which can be justifiable
banks because most the income
is interest income only but the Indusind bank can improve this ratio by increasing the non- operating interest income

(NIM) reveals the amount of money that a bank is earning in interest on loans compared to the amount it is paying in
deposits.
NIM is one indicator of a bank's profitability and growth. It is the net interest income a bank generates from credit pr
loans and
mortgages, with the outgoing interest it pays holders of savings accounts and certificates of deposit (CDs). The Indus
shows a positive
NIM which is a good sign of profitability and efficient investment.

It is a measure of how much income assets are bringing in to the firm.From 2016 to 2020 YOE lies between 8.7% to
which is fallen badly in 2020, which is because of COVID and bank can easily jump back to its previous numbers as
maintaining earlier.
From 2016 to 2020 percentage lies between 86% to 31%. Lower ratio is a positive sign for the bank as it indicates ba
have enough Earning assets to cover it’s interest bearing liabilities and vice versa.

The net interest rate spread is the difference between the average yield that a financial institution receives from loans
with other interest-accruing activities—and the average rate it pays on deposits and borrowings. The net interest rate
key determinant of a financial institution’s profitability.

The efficiency ratio assesses the efficiency of a bank's operation by dividing non-interest expenses by revenue. The e
ratio does not include interest expenses, as the latter is naturally occurring when the deposits within a bank grow. Th
ratio
is non-interest expenses/revenue. This shows how well the bank's managers control their overhead (or "back office")

The liquidity coverage ratio is the requirement whereby banks must hold an amount of high-quality liquid assets that

fund cash outflows for 30 days. Liquidity ratios are similar to the LCR in that they measure a company's ability to m
term financial obligations.
A good liquidity ratio is anything greater than 1. It indicates that the company is in good financial health and is less l
financial hardships. The higher ratio, the higher is the safety margin that the business possesses to meet its current lia
Induslnd Bank's liquidity ratios has been increasing since last five year and it was over 2 in 2020 which implies good
position of bank

Interest rate risk refers to the current or prospective risk to the bank’s capital and earnings arising from adverse move
interest rates that affect the bank’s banking book positions.Changes in interest rates also affect a bank’s earnings by a
interest rate-sensitive income and expenses, affecting its net interest income. Induslnd has maintained it IRR below 1
good sign.
 Credit risk refers to the risk of default or non-payment or
 non-adherence to contractual obligations by a borrower. High credit risk means there is high chances of not receivin
from borrower. Induslnd's credit risk is rising from last 3 years which is not a good sign.

Currently, the minimum ratio of capital to risk-weighted assets is eight percent under Basel II and 10.5 percent under
High capital adequacy ratios are above the minimum requirements under Basel II and Basel III

The leverage ratio measures a bank's core capital to its total assets.The ratio uses tier 1 capital to judge how leverage
in relation to its consolidated assets.
Tier 1 assets are ones that can be easily liquidated if a bank needs capital in the event of a financial crisis.
The capital ratio is the percentage of a bank's capital to its risk-weighted assets. Weights are defined by risk-sensitivi
whose calculation is dictated under the relevant Accord. Basel II requires that the total capital ratio must be no lower

The loan loss reserve is a balance sheet account that represents

a bank's best estimate of future loan losses.
The loans to assets ratio measures the total loans outstanding as a percentage of total assets. The higher this ratio ind
is loaned up and its liquidity is low.
The higher the ratio, the more risky a bank may be to higher defaults.
Loss ratio is the total amount of unrecoverable debt when compared to total outstanding debt.
Ideally bank has a loss ratio of 10%.

The reserve ratio is the portion of reservable liabilities that commercial banks must hold onto, rather than lend out or
This is a requirement determined by the country's central bank Current CRR is 3% nad SLR is 18%. Indusind bank i
able to maintain all its reserve ratio as per guidlence set by RBI

The nonperforming loan ratio, better known as the NPL ratio, is the ratio of the amount of nonperforming 

loans in a bank's loan portfolio to the total amount of outstanding loans the bank holds.When a borrower has not mad
payments
for at least 90 days, the loan is considered a nonperforming loan.
a bank's operating expenses are in the numerator and its revenue is in the denominator,
a lower efficiency ratio means that a bank is operating better. An efficiency ratio of 50% or under is considered optim

This ratio portrays. the level that revenue yielding properties are backed by hot money.
Subsequently, as the numerator denotes short term interest penetrating money, a low and
negative number suggests low risk of illiquidity.

The ratio of a company's rate sensitive assets to its rate sensitive liabilities. Rate sensitive assets and liabilities are tho
 likely to increase or decrease substantially 
in value due to changes in interestrates. A gap ratio over 1 indicates that there are more rate sensitive assets than liab
meaning revenue or profits will likely increase as interest rates rise. A ratio below 1 indicates the opposite
Indusind Bank Ltd.
Consolidated Balance Sheet Summary : Mar 2016 - Mar
2020 : Non-Annualised : Rs. Crore
Mar-16 Mar-17
Particulars 12 mths 12 mths
IGAAP IGAAP
-
Total liabilities 143,069.16 178,861.17

Total Capital 594.99 598.15

Paid up equity capital 594.99 598.15
Paid up preference capital
Minority interest reserves

Share appln money & suspense account

Reserves and funds 17,102.20 20,049.45

Free reserves 5,016.01 7,121.22
General reserves 1.36 1.36
Balance as per profit & loss account 5,014.65 7,119.86
Specific reserves 11,705.42 12,553.64
Security premium reserves (net of deductions) 9,274.11 9,369.42
Capital reserves (incl grants and subsidies) 170.21 215.75
Capital redemption reserves
Debenture and bond redemption reserves

Deposits (accepted by commercial banks) 93,000.35 126,572.22

Demand deposits 15,478.02 19,608.81
Saving deposits 17,246.25 27,037.23
Term deposits 60,276.08 79,926.18

Borrowings 24,995.86 22,453.70

From banks 4,769.69 2,367.49
From financial institutions 14,622.75 13,500.00
Syndicated across banks & institutions
Debentures and bonds 500 2,000.00
Foreign currency borrowings 1,954.52 3,586.21
Sub-ordinated debt 308.9 1,000.00
Borrowings from rbi 2,840.00

Deferred tax liability 170.96 211.28

Current liabilities & provisions 7,204.80 8,976.37

Current liabilities 6,882.55 8,976.37
Provisions outstanding 322.25

Total assets 143,069.16 178,861.17

Net fixed assets 1,217.84 1,306.79

Intangible assets, net 87.82 84.06
Land and buildings, net 523.3 511.63
Plant, machinery, computers & electrical assets, net

Capital work-in-progress 37.48 28.44

Net pre-operative exp pending allocation

 Investments 34,055.53 36,703.62
Investment in equity shares 42.54 162.73
Investment in debt instruments 29,920.93 33,976.91
Investment in approved securities (slr & oth stat req)

Deferred tax assets 333.89 563.75

Current assets 18,548.10 26,491.37

Cash and bank balance 10,111.87 18,628.25
Inventories 0.4 1.54
Receivables 8,435.83 7,861.58

Loans and advances by finance companies 88,419.34 113,080.51

Total unamortised expenses

Addendum InformationDummy
Net fixed assets net of reval 837.07 932.2
Tangible net worth 17,228.60 20,188.95
Total outside liabilities 32,371.62 31,641.35
 Mar-18 Mar-19 Mar-20
12 mths 12 mths 12 mths
IGAAP IGAAP IGAAP

221,897.31 278,181.95 307,518.48

600.22 602.69 1,367.36

600.22 602.69 693.54

23,243.04 26,084.56 33,380.68

9,314.47 11,109.57 13,533.53
1.36 1.36 8.33
9,313.11 11,108.21 13,525.20
13,566.37 14,649.44 19,527.57
9,471.15 9,572.92 12,426.09
223.37 262.9 427.03

151,639.17 194,867.92 202,026.99

20,840.98 29,584.48 28,427.19
45,888.27 54,485.67 53,129.83
84,909.92 110,797.77 120,469.97

38,289.09 47,321.13 60,753.55

757.68 1,715.55 6,140.36
21,474.03 20,468.74 27,214.87

2,000.00 2,000.00 2,000.00

12,057.38 19,646.94 21,393.42
2,000.00 3,489.90 3,489.90
515

269.52 361.23 289.87

7,856.27 8,944.42 9,700.03

7,856.27 8,944.42 9,700.03

221,897.31 278,181.95 307,518.48

1,313.31 1,688.06 1,792.04

129.21 151.95 178.31
493.49 782.93 769.58

25.44 21.95 78.84

 50,078.33 59,268.05 59,938.44
293.55 131.25 619.87
44,842.41 53,934.80 55,434.13

647.32 1,032.32 1,240.50

24,060.16 28,537.18 36,110.09

13,215.88 14,783.40 16,054.10
0.57 0.52 0.81
10,843.71 13,753.26 20,055.18

144,953.66 186,393.50 206,783.17

951.11 1,362.51 1,472.46

23,351.85 26,209.75 34,250.15
46,414.88 56,626.78 70,743.45
Indusind Bank Ltd.
Consolidated Income & Expenditure Summary : Mar
2016 - Mar 2020 : Non-Annualised : Rs. Crore

Mar-16 Mar-17
Particulars 12 mths 12 mths
IGAAP IGAAP
-
Total income 15,168.70 18,577.17
Income from financial services 15,088.88 18,497.76
Interest income 11,871.74 14,405.67
Dividends 3.4 0.31
Income from treasury operations 982.26 1,196.44
Other income 72.83 76.26
Prior period and extraordinary income 6.99 3.15

Total expenses 12,882.25 15,709.28

Operating Expenses 10,870.76 12,935.45
Fee based financial services expenses 334.4 381.26
Fund based financial services expenses 7,355.18 8,343.07
Interest expenses 7,355.18 8,343.07
Treasury operations expenses
Compensation to employees 1,236.09 1,521.02
Indirect taxes
Rent & lease rent 271.33 326.56
Repairs & maintenance 201.67 255.15
Insurance premium paid 103.35 137.57
Outsourced professional jobs 46.18 44.51
Non-executive directors' fees 1.31 2.72
Selling & distribution expenses 21.02 50.34
Travel expenses
Communications expenses 111.01 134.78
Printing & stationery expenses 49.46 63.07
Miscellaneous expenditure 1,139.76 1,675.40

Non-Cash Charges 2,011.49 2,773.83

Provisions 1,854.97 2,583.13
Depreciation 156.52 190.7
Amortisation
Write-offs

Prior period and extraordinary expenses

PBT 4,032.09 5,340.25
Provision for direct tax 1,182.81 1,491.79

PAT (Profit after tax) 2,286.45 2,867.89

Share in profit or loss in associate and jv 0.28 0.28

Net profit/(loss) after share of profit/loss from associates/JV 2,286.73 2,868.17

Minority interest
Profit /(loss) attributable to owners of the company
 Mar-18 Mar-19 Mar-20
12 mths 12 mths 12 mths
IGAAP IGAAP IGAAP

22,030.87 27,909.04 35,744.12

21,967.84 27,808.88 35,550.23
17,280.76 22,261.15 28,782.83
0.3 0.34 0.3
1,284.80 1,474.43 2,151.29
55.02 100.16 193.89
8.01

18,424.88 24,608.56 31,286.25

15,283.99 19,764.89 25,090.66
418.24 459.98 592.69
9,904.18 13,588.44 17,199.02
9,783.31 13,414.97 16,724.09
120.87 173.47 474.93
1,780.69 1,853.51 2,819.64

373.02 408.59 499.23

341.82 335.63 381.44
167.8 194.69 280.51
73.66 69.81 72.25
2.79 3.68 3.9
32.55 40.47 58.05

130.51 141.57 156.85

65.72 72.72 96.43
1,993.01 2,595.80 2,930.65

1,266.20 3,163.02 4,468.11

1,054.56 2,934.17 4,177.17
211.64 228.85 290.94

1.18 8.62
6,472.21 7,815.77 10,113.06
1,874.69 1,679.47 1,702.70

3,605.99 3,300.48 4,457.87

0.13 0.27 0.32

3,606.12 3,300.75 4,458.19

3,300.48 4,457.87
Indusind Bank Ltd.
Consolidated Executive Summary : Mar 2016 - Mar
2020 : Non-Annualised : Rs. Crore

Mar-16 Mar-17
Particluars 12 mths 12 mths
IGAAP IGAAP
-
Total income 15,168.70 18,577.17
Income from financial services 15,088.88 18,497.76
Fee based financial services income 2,231.48 2,895.34
Fund based financial services income 12,857.40 15,602.42
Interest income 11,871.74 14,405.67
Income from treasury operations 982.26 1,196.44
Income from non-financial services
Other income 72.83 76.26
Prior period and extraordinary income 6.99 3.15

Total expenses 12,882.25 15,709.28

Fund based financial services expenses 7,355.18 8,343.07
Interest expenses 7,355.18 8,343.07
Treasury operations expenses
Compensation to employees 1,236.09 1,521.02
Provisions 1,854.97 2,583.13
Prior period and extraordinary expenses
Provision for direct tax

PBPT net of P&E&OI 4,061.60 5,371.61

PBT 2,286.45 2,867.89
Profit after tax (PAT) 2,286.45 2,867.89
PAT net of P&E 2,279.46 2,864.74

Total liabilities 143,069.16 178,861.17

Shareholders' funds 17,316.42 20,273.01
Paid up equity capital 594.99 598.15
Reserves and funds 17,102.20 20,049.45
Deposits 93,000.35 126,572.22
Borrowings 24,995.86 22,453.70
Current liabilities & provisions 7,204.80 8,976.37

Contingent liabilities 285,260.56 406,552.37

Net worth 17,316.42 20,273.01

Tangible net worth 17,228.60 20,188.95

Total assets 143,069.16 178,861.17

Net fixed assets 1,217.84 1,306.79
Investments 34,055.53 36,703.62
Current assets 18,548.10 26,491.37
Loans & advances 88,876.32 113,767.20
Cash and bank balance 10,111.87 18,628.25
Gross fixed assets 2,055.65 2,321.96

Profitability ratios (%)

Operating profit margin 26.92 29.04
 Net profit margin 15.03 15.42
Return on net worth 15.24
Return on total assets 1.78
Return on capital employed 6.74

Average cost of funds (%) 6.25

Efficiency ratios
Total income / total assets 0.116
Total income / compensation to employees 12.266 12.212
Interest income of bank as % of working funds
Operating profit of bank as % to working funds
Net interest income / interest earned 38.045 42.085
 Mar-18 Mar-19 Mar-20
12 mths 12 mths 12 mths
IGAAP IGAAP IGAAP

22,030.87 27,909.04 35,744.12

21,967.84 27,808.88 35,550.23
3,401.98 4,072.96 4,615.81
18,565.86 23,735.92 30,934.42
17,280.76 22,261.15 28,782.83
1,284.80 1,474.43 2,151.29

55.02 100.16 193.89

8.01

18,424.88 24,608.56 31,286.25

9,904.18 13,588.44 17,199.02
9,783.31 13,414.97 16,724.09
120.87 173.47 474.93
1,780.69 1,853.51 2,819.64
1,054.56 2,934.17 4,177.17
1.18 8.62
1,874.69 1,679.47 1,718.86

6,472.21 7,815.14 10,168.63

5,480.68 4,979.95 6,176.73
3,605.99 3,300.48 4,457.87
3,597.98 3,301.66 4,466.49

221,897.31 278,181.95 307,518.48

23,481.06 26,361.70 34,428.46
600.22 602.69 693.54
23,243.04 26,084.56 33,380.68
151,639.17 194,867.92 202,026.99
38,289.09 47,321.13 60,753.55
7,856.27 8,944.42 9,700.03

662,099.17 952,668.45 967,601.83

23,481.06 26,361.70 34,428.46

23,351.85 26,209.75 34,250.15

221,897.31 278,181.95 307,518.48

1,313.31 1,688.06 1,792.04
50,078.33 59,268.05 59,938.44
24,060.16 28,537.18 36,110.09
145,772.75 187,634.39 208,358.57
13,215.88 14,783.40 16,054.10
2,520.75 3,096.50 3,476.74

29.46 28.1 28.6

 16.34 11.83 12.5
16.45 13.25 14.69
1.8 1.32 1.53
6.89 4.87 5.29

5.77 6.21 6.62

0.11 0.112 0.122

12.368 15.057 12.677

43.386 39.738 41.896