Results Snapshot
Figures in Million
Standalone Annual Results
Dec'04
Dec'03
Dec'02
Dec'01
Dec'00
Dec'99
Dec'98
Interest Earned
838.33
914.65
1,090.13
1,321.41
1,214.10
1,039.97
1,073.84
Income On Investments
42.62
44.07
45.35
55.24
49.59
46.10
41.33
Interest On Balances With Rbi Other Inter Bank Funds
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest / Discount On Advances / Bills
795.71
870.57
1,044.78
1,266.17
1,164.50
993.86
1,032.51
Others
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Income
771.43
622.45
585.45
1,258.06
734.28
680.43
601.96
Total Income
1,609.76
1,537.10
1,675.58
2,579.48
1,948.38
1,720.40
1,675.80
Interest Expended
414.16
495.82
661.47
885.79
801.36
673.53
739.56
Net Interest Income
424.17
418.82
428.66
435.63
412.74
366.44
334.29
Total Expenditure (Excl Depreciation)
797.38
789.88
1,021.39
839.39
721.87
672.78
698.72
Employee Cost
364.93
372.66
346.51
316.13
329.94
293.16
256.10
Other Operating Expenses
348.34
414.00
423.61
448.66
386.07
342.75
288.54
Operating Profit Before Provisions and Contingencies
312.08
237.98
212.32
228.99
376.68
328.70
249.20
Exceptional Items
86.14
-18.87
-225.36
619.95
44.57
42.30
-11.68
Provisions and contingencies
39.68
77.47
1,184.41
1,226.18
219.98
187.37
96.70
Profit Before Tax
358.53
173.93
-1,191.70
-371.88
205.17
186.72
140.82
Tax
21.98
16.71
7.96
9.57
39.56
35.00
33.37
Profit After Tax
336.56
157.22
-1,199.66
-381.45
165.61
151.72
107.44
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
336.56
157.22
-1,199.66
-381.45
165.61
151.72
107.44
Face Value
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Reserves
1,531.88
1,174.55
86.32
882.27
2,040.92
2,007.77
1,631.89
Earnings per share (EPS)
3.93
1.82
-25.44
-8.18
3.4
3.18
2.29
Diluted Earnings per share
3.93
1.82
-25.44
-8.18
3.4
3.18
2.29
Operating Profit Margin (Excl OI)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Gross Profit Margin
42.77%
19.02%
-109.32%
-28.14%
16.9%
17.95%
13.11%
PAT Margin
40.15%
17.19%
-110.05%
-28.87%
13.64%
14.59%
10.01%
Net Interest Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA Amount
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
17.4%
15.1%
7.5%
8.7%
11.9%
12.4%
12.6%
Capital Adequacy Ratio (Tier 1)
16.5%
13.4%
5.5%
6.4%
10.1%
10.1%
9.9%
Provision Coverage Ratio (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Amount of Gross NPAs
2,700.00
3,700.00
4,200.00
0.00
0.00
0.00
0.00
Amount of Net NPAs
2,700.00
3,700.00
4,200.00
0.00
0.00
0.00
0.00
% of Net NPAs
12.21%
15.94%
16.78%
0.0%
0.0%
0.0%
0.0%
% of Gross NPAs
12.21%
15.94%
16.78%
0.0%
0.0%
0.0%
0.0%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Number of Branches
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Dec 2004 is -8.34% vs -16.1% in Dec 2003
Net Profit
YoY Growth in year ended Dec 2004 is 114.12% vs 113.10% in Dec 2003
Operating Profit (PBDIT)
YoY Growth in year ended Dec 2004 is 31.13% vs 12.11% in Dec 2003
% of Net NPAs
YoY Growth in year ended Dec 2004 is -3.73% vs -0.84% in Dec 2003
% of Gross NPAs
YoY Growth in year ended Dec 2004 is -3.73% vs -0.84% in Dec 2003
Compare Annual Results Of Banque Cantonale Vaudoise With
Figures in Million
Consolidate Annual Results
Change(CHF)
Change(%)
Interest Earned
0
0
0.00
Income On Investments
0
0
0.00
Interest On Balances With Rbi Other Inter Bank Funds
0
0
0.00
Interest / Discount On Advances / Bills
0
0
0.00
Others
0
0
0.00
Other Income
0
0
0.00
Total Income
0
0
0.00
Interest Expended
0
0
0.00
Net Interest Income
0
0
0.00
Total Expenditure (Excl Depreciation)
0
0
0.00
Employee Cost
0
0
0.00
Other Operating Expenses
0
0
0.00
Operating Profit Before Provisions and Contingencies
0
0
0.00
Exceptional Items
0
0
0.00
Provisions and contingencies
0
0
0.00
Profit Before Tax
0
0
0.00
Tax
0
0
0.00
Profit After Tax
0
0
0.00
Extraordinary Items
0
0
0.00
Prior Period Expenses
0
0
0.00
Other Adjustments
0
0
0.00
Net Profit
0
0
0.00
Face Value
0
0
0.00
Reserves
0
0
0.00
Earnings per share (EPS)
0
0
0.00
Diluted Earnings per share
0
0
0.00
Operating Profit Margin (Excl OI)
0%
0%
0.00
0.00%
Gross Profit Margin
0%
0%
0.00
0.00%
PAT Margin
0%
0%
0.00
0.00%
Net Interest Margin
0%
0%
0.00
0.00%
Return on Assets
0%
0%
0.00
0.00%
CASA (%)
0%
0%
0.00
0.00%
CASA Amount
0
0
0.00
Capital Adequacy Ratio (Total)
0%
0%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0%
0%
0.00
0.00%
Provision Coverage Ratio (%)
0%
0%
0.00
0.00%
Amount of Gross NPAs
0
0
0.00
Amount of Net NPAs
0
0
0.00
% of Net NPAs
0%
0%
0.00
0.00%
% of Gross NPAs
0%
0%
0.00
0.00%
Public Share Holdings (%)
0%
0%
0.00
0.00%
Pledged Promotor Holding (%)
0%
0%
0.00
0.00%
Pledged Capital (%)
0%
0%
0.00
0.00%
Number of ATMs
0
0
0.00
Number of Branches
0
0
0.00
Annual - Interest Earned
Interest Earned 83.83 Million
in Dec 2004Figures in Million
YoY Growth in year ended Dec 2004 is -8.34% vs -16.1% in Dec 2003
Annual - Net Profit
Net Profit 33.66 Million
in Dec 2004Figures in Million
YoY Growth in year ended Dec 2004 is 114.12% vs 113.10% in Dec 2003
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 31.21 Million
in Dec 2004Figures in Million
YoY Growth in year ended Dec 2004 is 31.13% vs 12.11% in Dec 2003
Annual - % of Net NPAs
% of Net NPAs 12.21%
in Dec 2004Figures in %
YoY Growth in year ended Dec 2004 is -3.73% vs -0.84% in Dec 2003
Annual - % of Gross NPAs
% of Gross NPAs 12.21%
in Dec 2004Figures in %
YoY Growth in year ended Dec 2004 is -3.73% vs -0.84% in Dec 2003






