B10 : Selected Ratios of Scheduled Commercial Banks : 2003 and 2004 (Part 1 of 4) - আৰবিআই - Reserve Bank of India
B10 : Selected Ratios of Scheduled Commercial Banks : 2003 and 2004 (Part 1 of 4)
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(in per cent) |
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As on March 31 |
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Ratios |
State Bank |
State Bank of |
State Bank of |
State Bank |
||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
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|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. Cash-deposit ratio |
4.3 |
5.98 |
6.64 |
8.06 |
8.87 |
7.5 |
6.76 |
5.3 |
2. Credit-deposit ratio |
46.52 |
49.57 |
51.18 |
54.96 |
46.91 |
48.7 |
56.23 |
61.49 |
3. Investment-deposit ratio |
58.2 |
58.28 |
58.05 |
53.89 |
60.77 |
61.91 |
55.74 |
52.11 |
4. (Credit+Investment)-deposit ratio |
104.7 |
107.84 |
109.23 |
108.85 |
107.68 |
110.61 |
111.97 |
113.59 |
5. Ratio of deposits to total liabilities |
78.78 |
78.13 |
73.36 |
77.22 |
78.83 |
79.15 |
81.02 |
79.87 |
6. Ratio of term deposits to total deposits |
62.67 |
59.23 |
53.07 |
54.49 |
66.42 |
65.61 |
67.37 |
65.65 |
7. Ratio of priority sector advances to total advances |
25.49 |
27.04 |
43.16 |
43.86 |
32.54 |
39.51 |
43.94 |
46.32 |
8. Ratio of term loan to total advances |
40.82 |
46.69 |
29.41 |
34.46 |
36.65 |
45.46 |
37.83 |
47.8 |
9. Ratio of secured advances to total advances |
86.46 |
83.15 |
91.69 |
90.03 |
88.65 |
86.94 |
93.68 |
88.48 |
10. Ratio of investments in non-approved |
13.98 |
12.79 |
8.73 |
5.44 |
17.6 |
9.6 |
7.58 |
6.64 |
11. Ratio of interest income to total assets |
8.59 |
7.77 |
8.56 |
8.22 |
8.57 |
7.8 |
9.21 |
8.57 |
12. Ratio of net interest margin to total assets |
2.76 |
2.85 |
3.28 |
3.74 |
3.1 |
2.96 |
3.43 |
3.71 |
13. Ratio of non-interest income to total assets |
1.59 |
1.94 |
2.02 |
2.57 |
1.91 |
2.49 |
2.82 |
2.95 |
14. Ratio of intemediation cost to total assets |
2.19 |
2.36 |
2.68 |
2.75 |
1.87 |
1.88 |
2.32 |
2.31 |
15. Ratio of wage bills to intemediation cost |
71.62 |
69.74 |
70.98 |
68.48 |
67.95 |
63.86 |
66.97 |
62.92 |
16. Ratio of wage bills to total expense |
19.58 |
22.61 |
23.91 |
26.06 |
17.32 |
17.91 |
19.16 |
20.28 |
17. Ratio of wage bills to total income |
15.45 |
16.94 |
17.98 |
17.46 |
12.13 |
11.69 |
12.9 |
12.61 |
18. Ratio of burden to total assets |
0.61 |
0.42 |
0.66 |
0.18 |
-0.04 |
-0.61 |
-0.5 |
-0.65 |
19. Ratio of burden to interest income |
7.08 |
5.36 |
7.69 |
2.23 |
-0.49 |
-7.81 |
-5.46 |
-7.53 |
20. Ratio of operating profits to total assets |
2.15 |
2.44 |
2.62 |
3.56 |
3.14 |
3.57 |
3.93 |
4.36 |
21. Return on assets |
0.86 |
0.94 |
1.13 |
1.49 |
1.15 |
1.25 |
1.76 |
1.73 |
22. Return on equity |
19.15 |
19.67 |
24.56 |
29.39 |
26.8 |
26.99 |
40.21 |
32.94 |
23. Cost of deposits |
7.12 |
5.9 |
6.96 |
5.81 |
6.74 |
5.9 |
6.84 |
5.75 |
24. Cost of borrowings |
2.1 |
1.42 |
0.76 |
1.43 |
3.76 |
2.66 |
1.01 |
0.17 |
25. Cost of funds |
6.96 |
5.74 |
6.88 |
5.68 |
6.7 |
5.81 |
6.68 |
5.56 |
26. Return on advances |
8.69 |
7.62 |
10.29 |
8.99 |
10.05 |
8.93 |
10.27 |
8.57 |
27. Return on investments |
9.61 |
8.78 |
10.23 |
10.22 |
9.94 |
8.86 |
9.79 |
9.96 |
28. Return on advances adjusted to cost of funds |
1.73 |
1.88 |
3.41 |
3.32 |
3.35 |
3.12 |
3.6 |
3 |
29. Return on investments adjusted to cost of funds |
2.65 |
3.04 |
3.36 |
4.55 |
3.24 |
3.05 |
3.11 |
4.4 |
30. Business per employee (in Rs.lakh) |
191 |
210.56 |
145.64 |
169.82 |
226.2 |
265.86 |
220.52 |
230.77 |
31. Profit per employee (in Rs.lakh) |
1.47 |
1.77 |
1.63 |
5.52 |
2.25 |
2.87 |
3.06 |
3.45 |
32. Capital adequacy ratio |
13.5 |
13.53 |
13.08 |
12.93 |
14.91 |
14.29 |
13.09 |
12.39 |
33. Capital adequacy ratio - Tier I |
8.81 |
8.34 |
10.52 |
9.03 |
9.84 |
8.42 |
9.4 |
8.31 |
34. Capital adequacy ratio - Tier II |
4.69 |
5.19 |
2.56 |
3.9 |
5.07 |
5.87 |
3.69 |
4.08 |
35. Ratio of net NPA to net advances |
4.5 |
3.48 |
4.13 |
1.24 |
3.25 |
0.65 |
2.66 |
0 |
Source : Compiled from annual accounts of banks of respective years |
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
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STATE BANK OF INDIA & ITS ASSOCIATES |
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(in per cent) |
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As on March 31 |
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Ratios |
State Bank |
State Bank |
State Bank of |
State Bank of |
||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
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|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. Cash-deposit ratio |
5.16 |
6.41 |
6.58 |
4.84 |
6.35 |
6.88 |
5.2 |
4.86 |
2. Credit-deposit ratio |
58.37 |
56.9 |
60.14 |
58.23 |
51.36 |
49.09 |
57.58 |
56.45 |
3. Investment-deposit ratio |
52.82 |
49.5 |
45.45 |
49.44 |
52.59 |
54.77 |
50.47 |
54.65 |
4. (Credit+Investment)-deposit ratio |
111.19 |
106.4 |
105.59 |
107.7 |
103.95 |
103.9 |
108.06 |
111.1 |
5. Ratio of deposits to total liabilities |
79.51 |
80.56 |
83.94 |
83.55 |
83.24 |
83.15 |
83.68 |
82.16 |
6. Ratio of term deposits to total deposits |
63.55 |
63.77 |
61.91 |
65.59 |
69.18 |
69.34 |
68.74 |
68.3 |
7. Ratio of priority sector advances to total |
36.46 |
36.52 |
40.98 |
39.39 |
40.81 |
42.67 |
33.6 |
37.22 |
8. Ratio of term loan to total advances |
35.29 |
45.03 |
39.03 |
44.26 |
27.38 |
31.97 |
33.53 |
37.65 |
9. Ratio of secured advances to total advances |
95.62 |
94.74 |
89.27 |
87.28 |
92.89 |
87.54 |
87.1 |
86.67 |
10. Ratio of investments in non-approved |
16.23 |
11.13 |
9.62 |
8.32 |
11.36 |
6.78 |
5.37 |
4.45 |
11. Ratio of interest income to total assets |
9.56 |
8.42 |
9.13 |
7.84 |
8.93 |
8.25 |
8.92 |
8.09 |
12. Ratio of net interest margin to total assets |
3.56 |
3.62 |
4.09 |
3.41 |
3.16 |
3.41 |
2.94 |
3.18 |
13. Ratio of non-interest income to total assets |
2.71 |
2.71 |
1.79 |
2.62 |
2.12 |
2.7 |
1.69 |
2.18 |
14. Ratio of intemediation cost to total assets |
3.02 |
2.95 |
2.05 |
1.86 |
2.45 |
2.29 |
2.07 |
2.1 |
15. Ratio of wage bills to intemediation cost |
75.75 |
71.68 |
66.41 |
62.64 |
62.4 |
59.88 |
73.2 |
70.01 |
16. Ratio of wage bills to total expense |
25.38 |
27.26 |
19.15 |
18.56 |
18.57 |
19.22 |
18.84 |
20.99 |
17. Ratio of wage bills to total income |
18.65 |
18.97 |
12.44 |
11.16 |
13.81 |
12.52 |
14.29 |
14.33 |
18. Ratio of burden to total assets |
0.31 |
0.23 |
0.26 |
-0.75 |
0.32 |
-0.41 |
0.38 |
-0.08 |
19. Ratio of burden to interest income |
3.26 |
2.79 |
2.81 |
-9.61 |
3.64 |
-5.01 |
4.28 |
-1.01 |
20. Ratio of operating profits to total assets |
3.25 |
3.39 |
3.83 |
4.17 |
2.83 |
3.82 |
2.56 |
3.26 |
21. Return on assets |
1.02 |
1.28 |
1.51 |
1.6 |
0.85 |
1.38 |
0.9 |
1.02 |
22. Return on equity |
29.63 |
34.83 |
25.22 |
27.39 |
15.51 |
25.47 |
25.66 |
29.68 |
23. Cost of deposits |
7.03 |
5.64 |
6.03 |
5.21 |
6.95 |
5.73 |
6.82 |
5.59 |
24. Cost of borrowings |
0.6 |
0.91 |
3.98 |
2.26 |
0.39 |
0.8 |
4 |
0.56 |
25. Cost of funds |
6.88 |
5.51 |
5.99 |
5.14 |
6.73 |
5.49 |
6.81 |
5.54 |
26. Return on advances |
10.38 |
9.65 |
10.13 |
8.33 |
9.55 |
8.46 |
9.51 |
8.55 |
27. Return on investments |
10.72 |
9.37 |
10.14 |
8.31 |
11.01 |
9.63 |
10.06 |
8.8 |
28. Return on advances adjusted to cost of funds |
3.49 |
4.14 |
4.13 |
3.19 |
2.82 |
2.97 |
2.7 |
3 |
29. Return on investments adjusted to cost of funds |
3.83 |
3.86 |
4.14 |
3.16 |
4.28 |
4.15 |
3.25 |
3.26 |
30. Business per employee (in Rs.lakh) |
146.49 |
162.8 |
246.37 |
305 |
167.87 |
193.2 |
217.68 |
271.8 |
31. Profit per employee (in Rs.lakh) |
1.19 |
1.82 |
2.76 |
4 |
1.25 |
2.4 |
1.51 |
2.16 |
32. Capital adequacy ratio |
11.62 |
11.53 |
13.57 |
13.56 |
13.68 |
14.53 |
11.3 |
11.36 |
33. Capital adequacy ratio - Tier I |
7.23 |
7.18 |
10.39 |
9.87 |
11.66 |
10.99 |
6.8 |
6.23 |
34. Capital adequacy ratio - Tier II |
4.39 |
4.35 |
3.18 |
3.69 |
2.02 |
3.54 |
4.5 |
5.13 |
35. Ratio of net NPA to net advances |
5.19 |
2.96 |
1.49 |
0 |
3.53 |
0 |
3.06 |
1.39 |
Source : Compiled from annual accounts of banks of respective years |
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
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NATIONALISED BANKS |
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(in per cent) |
|
As on March 31 |
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Ratios |
Allahabad Bank |
Andhra Bank |
Bank of Baroda |
Bank of India |
||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. Cash-deposit ratio |
6.07 |
6.85 |
6.14 |
8.91 |
5.22 |
4.19 |
5.2 |
5.96 |
2. Credit-deposit ratio |
49.26 |
48.7 |
54.66 |
56.17 |
53.26 |
48.79 |
66.15 |
64.58 |
3. Investment-deposit ratio |
48.59 |
49.4 |
49.94 |
44.97 |
45.47 |
52.1 |
37.91 |
38.26 |
4. (Credit+Investment)-deposit ratio |
97.85 |
98.2 |
104.6 |
101.1 |
98.74 |
100.9 |
104.06 |
102.8 |
5. Ratio of deposits to total liabilities |
90.78 |
90.7 |
85.35 |
84.94 |
86.85 |
85.73 |
84.11 |
83.67 |
6. Ratio of term deposits to total deposits |
56.83 |
58.1 |
69.47 |
62.66 |
66.27 |
63.61 |
67.93 |
66.34 |
7. Ratio of priority sector advances to total advances |
42.68 |
41.9 |
39.9 |
37.19 |
25.96 |
27.88 |
26.16 |
28.26 |
8. Ratio of term loan to total advances |
47.3 |
54.5 |
40.9 |
41.54 |
38.11 |
41.32 |
35.82 |
39 |
9. Ratio of secured advances to total advances |
88.66 |
86 |
87.89 |
91.19 |
87.39 |
87.93 |
78.35 |
81.93 |
10. Ratio of investments in non-approved |
19.14 |
21 |
13.52 |
12.55 |
24.42 |
24.33 |
35.47 |
32.07 |
11. Ratio of interest income to total assets |
9.73 |
8.51 |
9.62 |
8.62 |
8.28 |
7.61 |
8.1 |
7.18 |
12. Ratio of net interest margin to total assets |
3.45 |
3.46 |
3.3 |
3.52 |
2.86 |
3.18 |
2.78 |
2.73 |
13. Ratio of non-interest income to total assets |
1.99 |
2.39 |
2.65 |
2.62 |
1.71 |
2.13 |
2.24 |
2.22 |
14. Ratio of intemediation cost to total assets |
3.48 |
3.06 |
2.64 |
2.55 |
2.24 |
2.24 |
2.25 |
2.17 |
15. Ratio of wage bills to intemediation cost |
55.92 |
58.3 |
65.94 |
62.18 |
68.46 |
69.38 |
68.28 |
66.94 |
16. Ratio of wage bills to total expense |
19.91 |
22 |
19.41 |
20.73 |
20 |
23.28 |
20.32 |
21.93 |
17. Ratio of wage bills to total income |
16.59 |
16.4 |
14.18 |
14.09 |
15.34 |
15.92 |
14.87 |
15.45 |
18. Ratio of burden to total assets |
1.49 |
0.67 |
-0.01 |
-0.08 |
0.53 |
0.11 |
0.01 |
-0.05 |
19. Ratio of burden to interest income |
15.33 |
7.85 |
-0.08 |
-0.88 |
6.34 |
1.4 |
0.1 |
-0.7 |
20. Ratio of operating profits to total assets |
1.95 |
2.79 |
3.31 |
3.6 |
2.33 |
3.08 |
2.77 |
2.78 |
21. Return on assets |
0.59 |
1.34 |
1.63 |
1.72 |
1.05 |
1.2 |
1.16 |
1.25 |
22. Return on equity |
15.44 |
34 |
40.31 |
36.1 |
18.81 |
20.32 |
26.65 |
26.71 |
23. Cost of deposits |
6.71 |
5.41 |
6.89 |
5.63 |
5.89 |
4.83 |
5.5 |
4.56 |
24. Cost of borrowings |
21.58 |
1.6 |
6.55 |
3.46 |
9.87 |
6.49 |
8.83 |
7.39 |
25. Cost of funds |
6.74 |
5.4 |
6.88 |
5.54 |
5.93 |
4.85 |
5.68 |
4.73 |
26. Return on advances |
10.3 |
9.49 |
11.54 |
10.09 |
8.89 |
7.9 |
8.8 |
7.48 |
27. Return on investments |
10.45 |
9.33 |
9.67 |
9.13 |
10.01 |
8.6 |
8.59 |
8.03 |
28. Return on advances adjusted to cost of funds |
3.56 |
4.09 |
4.66 |
4.55 |
2.95 |
3.05 |
3.11 |
2.75 |
29. Return on investments adjusted to cost of funds |
3.71 |
3.93 |
2.79 |
3.59 |
4.08 |
3.75 |
2.9 |
3.3 |
30. Business per employee (in Rs.lakh) |
183 |
215 |
226.71 |
277.4 |
237.67 |
253 |
242.97 |
266.7 |
31. Profit per employee (in Rs.lakh) |
0.87 |
2.46 |
3.1 |
3.54 |
1.92 |
2 |
1.97 |
2.35 |
32. Capital adequacy ratio |
11.15 |
12.5 |
13.62 |
13.71 |
12.65 |
13.91 |
12.02 |
13.01 |
33. Capital adequacy ratio - Tier I |
6.35 |
6.26 |
8.19 |
8.17 |
8.1 |
8.47 |
7.56 |
7.47 |
34. Capital adequacy ratio - Tier II |
4.8 |
6.26 |
5.43 |
5.54 |
4.55 |
5.44 |
4.46 |
5.54 |
35. Ratio of net NPA to net advances |
7.08 |
2.37 |
1.79 |
0.93 |
3.72 |
2.99 |
5.37 |
4.5 |
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
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NATIONALISED BANKS |
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(in per cent) |
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As on March 31 |
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Ratios |
Bank of |
Canara |
Central Bank |
Corporation |
||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. Cash-deposit ratio |
8.68 |
17.16 |
7.78 |
7.98 |
7.21 |
6.13 |
5.91 |
7.31 |
2. Credit-deposit ratio |
42.88 |
44.36 |
56.14 |
55.17 |
45.26 |
40.79 |
55.37 |
59.89 |
3. Investment-deposit ratio |
53.22 |
52.72 |
42.25 |
41.45 |
50.9 |
56.17 |
49.11 |
46.07 |
4. (Credit+Investment)-deposit ratio |
96.09 |
97.08 |
98.38 |
96.63 |
96.17 |
96.96 |
104.5 |
106 |
5. Ratio of deposits to total liabilities |
88.98 |
82.1 |
87.86 |
86.74 |
89.6 |
88.26 |
82.69 |
79.55 |
6. Ratio of term deposits to total deposits |
67.58 |
68.21 |
65.19 |
66.22 |
59.14 |
56.73 |
71.47 |
66.01 |
7. Ratio of priority sector advances to total advances |
35.79 |
35.29 |
30.07 |
33.9 |
41.76 |
43.52 |
33.01 |
35.85 |
8. Ratio of term loan to total advances |
47.27 |
53.72 |
33.19 |
40.39 |
42.23 |
47.6 |
43.04 |
48.7 |
9. Ratio of secured advances to total advances |
75.16 |
65.97 |
85.88 |
86.11 |
90.34 |
96.26 |
85.52 |
86.96 |
10. Ratio of investments in non-approved |
11.74 |
11.43 |
20.64 |
18.95 |
23.17 |
18.89 |
20.02 |
17.16 |
11. Ratio of interest income to total assets |
8.97 |
7.71 |
8.63 |
7.72 |
9.25 |
8.41 |
8.43 |
7.94 |
12. Ratio of net interest margin to total assets |
2.92 |
2.7 |
2.89 |
2.95 |
3.46 |
3.52 |
3.18 |
3.48 |
13. Ratio of non-interest income to total assets |
1.55 |
1.63 |
1.96 |
2.28 |
1.01 |
1.6 |
2.13 |
1.86 |
14. Ratio of intemediation cost to total assets |
2.23 |
1.96 |
2.27 |
2.09 |
2.78 |
2.59 |
1.89 |
2.07 |
15. Ratio of wage bills to intemediation cost |
68.66 |
66.24 |
66.5 |
67.13 |
77.71 |
75.98 |
54.29 |
49.58 |
16. Ratio of wage bills to total expense |
18.44 |
18.64 |
18.83 |
20.47 |
25.23 |
26.3 |
14.36 |
15.71 |
17. Ratio of wage bills to total income |
14.51 |
13.91 |
14.23 |
14.02 |
21.09 |
19.63 |
9.71 |
10.46 |
18. Ratio of burden to total assets |
0.67 |
0.33 |
0.31 |
-0.19 |
1.77 |
0.99 |
-0.24 |
0.21 |
19. Ratio of burden to interest income |
7.48 |
4.32 |
3.54 |
-2.52 |
19.19 |
11.72 |
-2.87 |
2.58 |
20. Ratio of operating profits to total assets |
2.24 |
2.37 |
2.59 |
3.15 |
1.68 |
2.54 |
3.42 |
3.27 |
21. Return on assets |
0.89 |
0.95 |
1.24 |
1.34 |
0.85 |
0.98 |
1.88 |
1.96 |
22. Return on equity |
26.46 |
25.21 |
26.74 |
28.47 |
13.82 |
22.9 |
18.84 |
19.62 |
23. Cost of deposits |
6.46 |
5.58 |
6.21 |
5.2 |
6.15 |
5.2 |
6.25 |
5.3 |
24. Cost of borrowings |
2.13 |
0.72 |
1.07 |
3.16 |
1.84 |
3.81 |
1.44 |
2.11 |
25. Cost of funds |
6.39 |
5.5 |
6.14 |
5.19 |
6.14 |
5.2 |
6 |
5.18 |
26. Return on advances |
9.98 |
8.06 |
9.76 |
8.67 |
10.36 |
9.52 |
8.86 |
7.64 |
27. Return on investments |
10.48 |
9.83 |
9.88 |
9.04 |
10.77 |
9.25 |
10.31 |
10.24 |
28. Return on advances adjusted to cost of funds |
3.59 |
2.56 |
3.61 |
3.47 |
4.22 |
4.32 |
2.86 |
2.46 |
29. Return on investments adjusted to cost of funds |
4.09 |
4.33 |
3.74 |
3.85 |
4.64 |
4.06 |
4.31 |
5.06 |
30. Business per employee (in Rs.lakh) |
222 |
268.7 |
250.1 |
297.6 |
167.9 |
181.51 |
328.6 |
365.6 |
31. Profit per employee (in Rs.lakh) |
1.58 |
2.16 |
2.26 |
2.97 |
0.77 |
1.58 |
4.06 |
4.98 |
32. Capital adequacy ratio |
11.76 |
11.88 |
12.5 |
12.66 |
10.51 |
12.43 |
18.5 |
20.12 |
33. Capital adequacy ratio - Tier I |
5.88 |
7.03 |
7.85 |
7.81 |
5.66 |
6.23 |
17.3 |
16.52 |
34. Capital adequacy ratio - Tier II |
5.88 |
4.85 |
4.65 |
4.85 |
4.85 |
6.2 |
1.2 |
3.6 |
35. Ratio of net NPA to net advances |
4.82 |
2.46 |
3.59 |
2.89 |
6.74 |
5.57 |
1.65 |
1.8 |
Source : Compiled from annual accounts of banks of respective years |
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
||||||||
NATIONALISED BANKS |
||||||||
|
|
|
|
|
|
|
(per cent) |
|
As on March 31 |
||||||||
Ratios |
Dena Bank |
Indian Bank |
Indian Overseas |
Oriental Bank of |
||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
|
1. Cash-deposit ratio |
6.76 |
6.72 |
7.05 |
9.34 |
7.32 |
10.44 |
6.36 |
7.38 |
2. Credit-deposit ratio |
51.15 |
51.29 |
45.44 |
46.4 |
47.54 |
48.92 |
52.59 |
55.17 |
3. Investment-deposit ratio |
51.54 |
53.06 |
54.93 |
54.84 |
50.69 |
48.63 |
49.58 |
47.08 |
4. (Credit+Investment)-deposit ratio |
102.7 |
104.4 |
100.4 |
101.2 |
98.23 |
97.55 |
102.18 |
102.25 |
5. Ratio of deposits to total liabilities |
81.79 |
82.8 |
76.37 |
77.76 |
89.17 |
87.66 |
87.71 |
86.99 |
6. Ratio of term deposits to total deposits |
60.26 |
58.46 |
67.78 |
66.47 |
67.85 |
65.63 |
71.46 |
71.44 |
7. Ratio of priority sector advances to total advances |
37.54 |
40.54 |
33 |
38.2 |
33.52 |
39.13 |
38.45 |
38.05 |
8. Ratio of term loan to total advances |
43.98 |
53.4 |
33.36 |
41.98 |
34.99 |
43.21 |
44.86 |
54.25 |
9. Ratio of secured advances to total advances |
92.5 |
92.59 |
87.47 |
87.26 |
91.24 |
91.7 |
89.41 |
83.87 |
10. Ratio of investments in non-approved |
25.95 |
18.87 |
12.88 |
13.69 |
14.46 |
14.56 |
28.07 |
23.13 |
11. Ratio of interest income to total assets |
9.09 |
8.2 |
7.71 |
7.16 |
9.1 |
8.49 |
9.95 |
8.8 |
12. Ratio of net interest margin to total assets |
2.91 |
2.8 |
2.5 |
3 |
3.19 |
3.62 |
3.64 |
3.88 |
13. Ratio of non-interest income to total assets |
2.24 |
2.92 |
1.6 |
2.01 |
1.36 |
1.67 |
1.63 |
1.92 |
14. Ratio of intemediation cost to total assets |
2.62 |
2.36 |
2.3 |
2.85 |
2.47 |
2.29 |
1.76 |
1.72 |
15. Ratio of wage bills to intemediation cost |
71.59 |
67.88 |
76.29 |
81.24 |
75.97 |
74.23 |
59.66 |
56.85 |
16. Ratio of wage bills to total expense |
21.34 |
20.63 |
23.35 |
33.03 |
22.41 |
23.77 |
13.01 |
14.72 |
17. Ratio of wage bills to total income |
16.57 |
14.4 |
18.84 |
25.27 |
17.96 |
16.76 |
9.06 |
9.11 |
18. Ratio of burden to total assets |
0.38 |
-0.56 |
0.7 |
0.84 |
1.12 |
0.62 |
0.13 |
-0.21 |
19. Ratio of burden to interest income |
4.19 |
-6.82 |
9.09 |
11.8 |
12.26 |
7.3 |
1.27 |
-2.34 |
20. Ratio of operating profits to total assets |
2.53 |
3.23 |
1.8 |
2.15 |
2.07 |
3 |
3.51 |
4.09 |
21. Return on assets |
0.57 |
1.11 |
0.65 |
1.21 |
1.01 |
1.08 |
1.3 |
1.7 |
22. Return on equity |
11.56 |
19.89 |
4.05 |
7.61 |
32.1 |
28.96 |
24.51 |
28.67 |
23. Cost of deposits |
7.06 |
6.15 |
6.51 |
5.24 |
6.34 |
5.26 |
6.97 |
5.46 |
24. Cost of borrowings |
1.36 |
1.25 |
6.75 |
7.57 |
9.38 |
5.4 |
0.47 |
0.81 |
25. Cost of funds |
6.98 |
6.07 |
6.52 |
5.27 |
6.36 |
5.26 |
6.82 |
5.35 |
26. Return on advances |
10.93 |
9.16 |
9.8 |
8.88 |
10.55 |
9.8 |
10.29 |
9 |
27. Return on investments |
10.36 |
9.52 |
9.96 |
9.23 |
9.88 |
9.38 |
11.25 |
10.35 |
28. Return on advances adjusted to cost of funds |
3.96 |
3.08 |
3.29 |
3.6 |
4.19 |
4.54 |
3.47 |
3.65 |
29. Return on investments adjusted to cost of funds |
3.38 |
3.44 |
3.44 |
3.95 |
3.52 |
4.12 |
4.43 |
4.99 |
30. Business per employee (in Rs.lakh) |
242 |
274 |
174 |
189 |
204.4 |
232.5 |
343 |
416 |
31. Profit per employee (in Rs.lakh) |
1.08 |
2.23 |
0.85 |
1.85 |
1.7 |
2.1 |
3.4 |
5.1 |
32. Capital adequacy ratio |
9.33 |
9.48 |
10.85 |
12.82 |
11.3 |
12.49 |
14.04 |
14.47 |
33. Capital adequacy ratio - Tier I |
5.31 |
5.19 |
7.51 |
7.66 |
5.83 |
6.74 |
10.72 |
9.87 |
34. Capital adequacy ratio - Tier II |
4.02 |
4.29 |
3.34 |
5.16 |
5.47 |
5.75 |
3.32 |
4.6 |
35. Ratio of net NPA to net advances |
11.83 |
9.4 |
6.15 |
2.71 |
5.23 |
2.85 |
1.4 |
0 |
Source : Compiled from annual accounts of banks of respective years |
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
||||||||
NATIONALISED BANKS |
||||||||
|
|
|
|
|
|
(in per cent) |
||
As on March 31 |
||||||||
Ratios |
Punjab & Sind |
Punjab National |
Syndicate |
UCO Bank |
||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
1. Cash-deposit ratio |
6.84 |
7.82 |
8.66 |
7.67 |
5.38 |
10.58 |
6.81 |
5.97 |
2. Credit-deposit ratio |
44.56 |
44.2 |
53.06 |
53.72 |
53.18 |
48.48 |
50.8 |
52.6 |
3. Investment-deposit ratio |
47.17 |
49.67 |
44.89 |
47.92 |
45.08 |
42.07 |
45.1 |
44.9 |
4. (Credit+Investment)-deposit ratio |
91.73 |
93.88 |
97.95 |
101.6 |
98.27 |
90.56 |
95.9 |
97.4 |
5. Ratio of deposits to total liabilities |
91.25 |
90.88 |
87.93 |
85.91 |
89.04 |
90.18 |
89.8 |
89.6 |
6. Ratio of term deposits to total deposits |
63.66 |
58.49 |
53.13 |
54.13 |
60.6 |
66.1 |
65 |
67.6 |
7. Ratio of priority sector advances to total advances |
44.77 |
47.18 |
39.86 |
43.91 |
30.92 |
32.57 |
30.4 |
31.8 |
8. Ratio of term loan to total advances |
40.06 |
41.39 |
40.89 |
47.88 |
43.94 |
42.16 |
42.8 |
49.3 |
9. Ratio of secured advances to total advances |
97 |
96.84 |
92.91 |
89.97 |
77 |
73.98 |
90 |
91.3 |
10. Ratio of investments in non-approved |
23.24 |
18.32 |
18.46 |
15.94 |
11.53 |
9.23 |
29.1 |
22.2 |
11. Ratio of interest income to total assets |
9.09 |
8.67 |
9.41 |
8.25 |
8.69 |
7.56 |
8.43 |
7.87 |
12. Ratio of net interest margin to total assets |
2.74 |
3.34 |
3.93 |
3.84 |
3.66 |
3.5 |
2.66 |
3.04 |
13. Ratio of non-interest income to total assets |
2.17 |
1.73 |
1.57 |
1.98 |
1.5 |
1.9 |
1.84 |
1.59 |
14. Ratio of intemediation cost to total assets |
2.92 |
4.06 |
2.58 |
2.51 |
3.28 |
2.82 |
2.62 |
2.21 |
15. Ratio of wage bills to intemediation cost |
76.09 |
80.11 |
71.77 |
69.77 |
78.25 |
75.7 |
79.5 |
76.6 |
16. Ratio of wage bills to total expense |
23.96 |
34.68 |
23 |
25.35 |
30.88 |
31.05 |
24.8 |
24.1 |
17. Ratio of wage bills to total income |
19.73 |
31.3 |
16.9 |
17.15 |
25.21 |
22.57 |
20.3 |
17.9 |
18. Ratio of burden to total assets |
0.75 |
2.33 |
1.01 |
0.53 |
1.79 |
0.92 |
0.78 |
0.63 |
19. Ratio of burden to interest income |
8.21 |
26.88 |
10.77 |
6.48 |
20.55 |
12.16 |
9.24 |
7.95 |
20. Ratio of operating profits to total assets |
1.99 |
1.01 |
2.91 |
3.31 |
1.87 |
2.58 |
1.88 |
2.41 |
21. Return on assets |
0.03 |
0.06 |
0.98 |
1.08 |
1.31 |
1.67 |
0.66 |
1.13 |
22. Return on equity |
0.98 |
1.92 |
23.14 |
24.52 |
23.02 |
24.92 |
10.5 |
29.1 |
23. Cost of deposits |
6.66 |
5.63 |
5.95 |
4.8 |
5.51 |
4.42 |
6.32 |
5.18 |
24. Cost of borrowings |
4.11 |
5.8 |
1.41 |
1.37 |
3.39 |
2.47 |
3.97 |
4.53 |
25. Cost of funds |
6.65 |
5.63 |
5.91 |
4.76 |
5.5 |
4.41 |
6.29 |
5.17 |
26. Return on advances |
10.57 |
10.01 |
9.95 |
8.86 |
9.83 |
8.61 |
9.71 |
8.84 |
27. Return on investments |
10.3 |
9.75 |
10.6 |
9.67 |
9.94 |
8.63 |
9.98 |
8.52 |
28. Return on advances adjusted to cost of funds |
3.92 |
4.38 |
4.04 |
4.11 |
4.33 |
4.2 |
3.42 |
3.68 |
29. Return on investments adjusted to cost of funds |
3.65 |
4.12 |
4.68 |
4.91 |
4.44 |
4.21 |
3.7 |
3.36 |
30. Business per employee (in Rs.lakh) |
196.5 |
205.1 |
195.6 |
228 |
180 |
240.3 |
197 |
249 |
31. Profit per employee (in Rs.lakh) |
0.05 |
0.09 |
1.43 |
2 |
1.3 |
1.62 |
1 |
2 |
32. Capital adequacy ratio |
10.43 |
11.06 |
12.02 |
13.1 |
11.03 |
11.49 |
10 |
11.9 |
33. Capital adequacy ratio - Tier I |
6.11 |
6.38 |
7.11 |
7.01 |
7.69 |
6.75 |
5.19 |
6.08 |
34. Capital adequacy ratio - Tier II |
4.32 |
4.68 |
4.91 |
6.09 |
3.34 |
4.74 |
4.85 |
5.8 |
35. Ratio of net NPA to net advances |
10.89 |
9.62 |
3.86 |
0.98 |
4.29 |
2.58 |
4.36 |
3.65 |
Source : Compiled from annual accounts of banks of respective years |