Dun & Bradstreet India’s Leading BFSI Companies 2017

Definitions & Calculations

Calculations • Total Advances = Bills purchased & discounted (Short term) + Cash credits, overdrafts & loans (Short term) + Term loans • Total Deposits = Demand Deposits + Savings Bank Deposit + Term Deposits • Total Business = Total Deposits + Total Advances

• Net Profit Margin (NPM) = Net Profit/Total Income*100 • Total First Year Premiums (FYP) = FYP + Single Premiums

• Total Income for Insurance companies = Premiums earned - net (policy holder’s account) + Income from Investments (policy holder’s account) + other income (policy holder’s account) + income from investments (shareholders account) + other income and miscellaneous receipts (shareholders account) Data Sources • Total Income for banks taken as per RBI and for other companies as per the ARs/Financial Statements/Public Disclosures • Net Profit/Loss for banks taken as per RBI and for other companies as per the ARs (except for Insurance companies) • Total Deposits, Total Advances, CRAR - Basel III and Net NPA/Net Advances Ratio for banks taken as per RBI • AAUM (Quarter Ended) of asset management companies taken from Association of Mutual Funds in India (AMFI) as per data disclosed by the AMCs - (Excluding Fund of Funds - Domestic but including Fund of Funds – Overseas) + (Fund of Funds – Domestic) • Net Premium Earned, AUM and Solvency Ratio of Life Insurance companies taken as per the data from ARs/Financial Statements/Public Disclosures, FY16 AR of Insurance Regulatory and Development Authority • AUM, Solvency Ratio and Incurred Claims Ratio of Non-life insurance companies taken as per the data from FY16 AR of Insurance Regulatory and Development Authority • Net Premiums Earned of Non-life insurance companies taken as per ARs/Financial Statements/Public Disclosures

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