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Efficiency Return on Equity Return on Average Asset 20% 18% 1.14% 18.53% 1.12% 1.12% 15.74% 15.86% 16% 14.93% 1.10% 1.09% 14% 13.06% 1.08% 1.07% 12% 1.06% 1.05% 10% 1.04% 8% 1.02% 1.01% 6% 1.00% 4% 0.98% 2% 0.96% 0% 0.94% FY-08 FY-09 FY-10 FY-11 FY-12 FY-08 FY-09 FY-10 FY-11 FY-12 SOUTH INDIAN Bank 44

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