Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 1 of 4) - আৰবিআই - Reserve Bank of India
Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 1 of 4)
State Bank of India and its Associates |
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
State Bank |
State Bank of |
State Bank of |
State Bank of |
|||||
of India |
Bikaner & Jaipur |
Hyderabad |
Indore |
||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
||
|
|||||||||
1. |
Cash-deposit ratio |
9.60 |
7.62 |
13.76 |
12.99 |
10.96 |
7.31 |
11.30 |
7.54 |
2. |
Credit-deposit ratio |
49.84 |
46.78 |
48.50 |
50.05 |
48.60 |
47.78 |
55.76 |
51.17 |
3. |
Investment-deposit ratio |
46.68 |
50.60 |
53.40 |
51.57 |
55.96 |
59.01 |
47.11 |
58.47 |
4. |
(Credit + investment)-deposit ratio |
96.52 |
97.38 |
101.90 |
101.62 |
104.56 |
106.79 |
102.86 |
109.64 |
5. |
Ratio of deposits to total liabilities |
75.26 |
76.93 |
72.77 |
74.47 |
80.78 |
80.92 |
81.17 |
81.46 |
6. |
Ratio of term deposits to total deposits |
60.53 |
63.67 |
58.35 |
56.52 |
62.11 |
63.23 |
59.10 |
65.09 |
7. |
Ratio of priority sector advances to total advances |
26.38 |
26.55 |
41.50 |
39.60 |
35.63 |
34.74 |
40.47 |
40.42 |
8. |
Ratio of term-loans to total advances |
34.54 |
34.82 |
24.58 |
24.44 |
25.12 |
27.41 |
31.44 |
34.19 |
9. |
Ratio of secured advances to total advances |
93.94 |
87.21 |
96.20 |
95.62 |
98.21 |
94.96 |
97.04 |
94.71 |
10. |
Ratio of investments in non-approved securities to total investments |
19.48 |
16.89 |
10.57 |
10.13 |
14.57 |
12.95 |
12.91 |
11.65 |
11. |
Ratio of Interest income to total assets |
9.17 |
9.01 |
9.83 |
9.62 |
10.33 |
10.01 |
9.97 |
9.79 |
12. |
Ratio of net interest margin to total assets |
2.86 |
2.86 |
3.29 |
3.46 |
3.62 |
3.61 |
3.34 |
3.22 |
13. |
Ratio of non-interest income to total assets |
1.47 |
1.39 |
1.94 |
1.82 |
1.86 |
1.70 |
2.39 |
2.24 |
14. |
Ratio of intermediation cost to total assets |
2.60 |
2.88 |
3.24 |
3.24 |
2.61 |
2.66 |
3.43 |
3.09 |
15. |
Ratio of wage bills to intermediation cost |
71.13 |
72.44 |
72.24 |
76.89 |
66.87 |
71.28 |
69.24 |
69.44 |
16. |
Ratio of wage bills to total expenses |
20.76 |
23.07 |
23.92 |
26.51 |
18.75 |
20.96 |
23.62 |
22.20 |
17. |
Ratio of wage bills to total income |
17.38 |
20.02 |
19.87 |
21.79 |
14.34 |
16.22 |
19.22 |
17.81 |
18. |
Ratio of burden to total assets |
1.13 |
1.48 |
1.30 |
1.43 |
0.76 |
0.96 |
1.04 |
0.84 |
19. |
Ratio of burden to interest income |
12.28 |
16.46 |
13.21 |
14.81 |
7.33 |
9.62 |
10.42 |
8.61 |
20. |
Ratio of operating profits to total assets |
1.74 |
1.37 |
2.10 |
2.04 |
2.87 |
2.65 |
2.30 |
2.38 |
21. |
Return on assets |
0.75 |
0.50 |
1.06 |
0.80 |
0.82 |
0.82 |
0.85 |
0.89 |
22. |
Return on equity |
18.20 |
12.53 |
25.55 |
18.61 |
22.94 |
21.77 |
21.16 |
23.49 |
23. |
Cost of deposits |
7.87 |
7.57 |
8.23 |
7.88 |
7.93 |
7.53 |
7.67 |
7.58 |
24. |
Cost of borrowings |
6.07 |
5.21 |
11.89 |
14.35 |
14.47 |
21.23 |
3.10 |
2.32 |
25. |
Cost of funds |
7.78 |
7.47 |
8.27 |
7.92 |
8.01 |
7.67 |
7.56 |
7.41 |
26. |
Return on advances |
10.59 |
10.53 |
11.69 |
11.48 |
11.90 |
11.70 |
11.54 |
11.20 |
27. |
Return on investments |
11.65 |
10.46 |
12.08 |
11.41 |
11.57 |
10.88 |
11.30 |
10.22 |
28. |
Return on advance s adjusted to cost of funds |
2.80 |
3.06 |
3.42 |
3.56 |
3.88 |
4.04 |
3.99 |
3.78 |
29. |
Return on investment adjusted to cost of funds |
3.87 |
2.99 |
3.81 |
3.49 |
3.56 |
3.21 |
3.75 |
2.80 |
30. |
Business per employee (in Rs. lakh) |
111.20 |
136.58 |
86.47 |
105.19 |
126.00 |
165.00 |
142.82 |
126.00 |
31. |
Profit per employee (in Rs. lakh) |
0.87 |
0.70 |
1.69 |
1.96 |
0.87 |
1.13 |
1.07 |
2.60 |
32. |
Capital adequacy ratio |
11.49 |
12.79 |
12.35 |
12.39 |
10.86 |
12.28 |
12.10 |
12.73 |
33. |
Capital adequacy ratio - Tier I |
8.28 |
8.58 |
11.09 |
11.62 |
9.27 |
8.92 |
8.86 |
9.12 |
34. |
Capital adequacy ratio - Tier II |
3.21 |
4.21 |
1.26 |
0.77 |
1.59 |
3.36 |
3.24 |
3.61 |
35. |
Ratio of net NPA to net advances |
6.41 |
6.03 |
10.14 |
7.83 |
7.30 |
7.82 |
6.95 |
5.91 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
State Bank of |
State Bank of |
State Bank of |
State Bank of |
|||||
Mysore |
Patiala |
Saurashtra |
Travancore |
||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
||
|
|||||||||
1. |
Cash-deposit ratio |
10.57 |
8.77 |
10.85 |
9.41 |
12.86 |
9.56 |
5.56 |
6.09 |
2. |
Credit-deposit ratio |
52.70 |
56.34 |
56.72 |
59.04 |
55.43 |
53.93 |
50.39 |
55.28 |
3. |
Investment-deposit ratio |
45.63 |
46.66 |
44.43 |
36.63 |
44.52 |
46.10 |
47.84 |
47.12 |
4. |
(Credit + investment)-deposit ratio |
98.33 |
103.01 |
101.15 |
95.67 |
99.95 |
100.02 |
98.23 |
102.40 |
5. |
Ratio of deposits to total liabilities |
80.05 |
80.82 |
82.70 |
80.80 |
76.62 |
77.68 |
81.89 |
79.91 |
6. |
Ratio of term deposits to total deposits |
64.57 |
65.32 |
54.15 |
56.61 |
66.72 |
65.67 |
66.86 |
66.29 |
7. |
Ratio of priority sector advances to total advances |
39.09 |
36.39 |
36.92 |
37.03 |
43.14 |
43.35 |
33.23 |
31.50 |
8. |
Ratio of term-loans to total advances |
26.10 |
25.49 |
28.66 |
29.21 |
21.81 |
23.61 |
25.80 |
24.12 |
9. |
Ratio of secured advances to total advances |
94.75 |
94.48 |
91.77 |
92.28 |
98.77 |
93.81 |
91.40 |
86.45 |
10. |
Ratio of investments in non-approved securities to total investments |
19.90 |
19.11 |
14.68 |
15.46 |
22.14 |
23.83 |
9.23 |
7.77 |
11. |
Ratio of Interest income to total assets |
10.55 |
10.34 |
10.11 |
10.09 |
10.02 |
9.53 |
9.93 |
9.77 |
12. |
Ratio of net interest margin to total assets |
3.71 |
3.54 |
4.11 |
4.54 |
3.47 |
3.12 |
2.41 |
2.94 |
13. |
Ratio of non-interest income to total assets |
2.17 |
1.93 |
1.42 |
1.28 |
1.64 |
1.39 |
1.67 |
1.44 |
14. |
Ratio of intermediation cost to total assets |
3.73 |
3.92 |
2.50 |
2.82 |
2.78 |
3.07 |
2.52 |
2.67 |
15. |
Ratio of wage bills to intermediation cost |
78.96 |
80.97 |
72.99 |
76.59 |
74.00 |
68.69 |
75.23 |
77.12 |
16. |
Ratio of wage bills to total expenses |
27.84 |
29.60 |
21.46 |
25.82 |
22.02 |
22.25 |
18.90 |
21.65 |
17. |
Ratio of wage bills to total income |
23.14 |
25.84 |
15.82 |
19.01 |
17.61 |
19.31 |
16.36 |
18.35 |
18. |
Ratio of burden to total assets |
1.56 |
1.99 |
1.08 |
1.54 |
1.14 |
1.68 |
0.85 |
1.23 |
19. |
Ratio of burden to interest income |
14.80 |
19.19 |
10.65 |
15.31 |
11.33 |
17.60 |
8.60 |
12.54 |
20. |
Ratio of operating profits to total assets |
2.15 |
1.56 |
3.03 |
3.00 |
2.33 |
1.44 |
1.56 |
1.71 |
21. |
Return on assets |
0.58 |
0.27 |
1.13 |
1.12 |
1.14 |
0.18 |
0.53 |
0.67 |
22. |
Return on equity |
18.41 |
8.97 |
18.17 |
18.82 |
18.94 |
2.70 |
16.31 |
20.56 |
23. |
Cost of deposits |
8.00 |
7.95 |
7.16 |
6.67 |
8.40 |
8.03 |
8.74 |
7.90 |
24. |
Cost of borrowings |
2.79 |
3.03 |
5.58 |
13.92 |
0.68 |
1.33 |
40.60 |
72.07 |
25. |
Cost of funds |
7.68 |
7.73 |
7.14 |
6.70 |
8.05 |
7.83 |
8.91 |
8.19 |
26. |
Return on advances |
13.67 |
12.30 |
11.53 |
11.39 |
12.22 |
11.39 |
10.97 |
10.77 |
27. |
Return on investments |
11.99 |
12.18 |
11.59 |
11.97 |
12.66 |
11.95 |
12.10 |
11.84 |
28. |
Return on advances adjusted to cost of funds |
5.99 |
4.56 |
4.39 |
4.69 |
4.17 |
3.56 |
2.07 |
2.58 |
29. |
Return on investments adjusted to cost of funds |
4.31 |
4.45 |
4.45 |
5.27 |
4.61 |
4.12 |
3.20 |
3.65 |
30. |
Business per employee (in Rs. lakh) |
81.61 |
112.15 |
123.62 |
143.45 |
98.28 |
123.87 |
121.65 |
157.32 |
31. |
Profit per employee (in Rs. lakh) |
1.42 |
0.26 |
0.99 |
1.23 |
1.09 |
0.21 |
0.54 |
0.85 |
32. |
Capital adequacy ratio |
11.50 |
11.16 |
12.60 |
12.37 |
14.48 |
13.89 |
11.09 |
11.79 |
33. |
Capital adequacy ratio - Tier I |
7.38 |
6.76 |
10.83 |
10.69 |
14.13 |
13.65 |
7.54 |
7.73 |
34. |
Capital adequacy ratio - Tier II |
4.12 |
4.40 |
1.77 |
1.68 |
0.35 |
0.24 |
3.55 |
4.06 |
35. |
Ratio of net NPA to net advances |
8.12 |
7.65 |
6.09 |
4.92 |
7.87 |
7.30 |
8.58 |
7.75 |
|
NATIONALISED BANKS |
|||||||||
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Allahabad |
Andhra Bank |
Bank of Baroda |
Bank of India |
|||||
Bank |
|||||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
||
|
|||||||||
1. |
Cash-deposit ratio |
11.18 |
10.52 |
11.81 |
8.91 |
6.83 |
8.09 |
6.76 |
7.42 |
2. |
Credit-deposit ratio |
46.71 |
47.66 |
38.66 |
40.58 |
47.54 |
50.79 |
52.85 |
61.58 |
3. |
Investment-deposit ratio |
46.60 |
43.37 |
52.89 |
54.04 |
36.17 |
36.78 |
34.91 |
35.27 |
4. |
(Credit + investment)-deposit ratio |
93.30 |
91.03 |
91.55 |
94.63 |
83.71 |
87.57 |
87.75 |
96.84 |
5. |
Ratio of deposits to total liabilities |
89.50 |
91.16 |
91.23 |
89.71 |
87.55 |
85.26 |
85.16 |
86.76 |
6. |
Ratio of term deposits to total deposits |
58.07 |
57.98 |
69.93 |
75.23 |
68.10 |
67.01 |
66.47 |
66.99 |
7. |
Ratio of priority sector advances to total advances |
39.33 |
42.36 |
38.32 |
35.73 |
27.02 |
24.29 |
26.13 |
23.88 |
8. |
Ratio of term-loans to total advances |
45.50 |
45.05 |
35.66 |
34.56 |
32.74 |
33.66 |
39.68 |
41.79 |
9. |
Ratio of secured advances to total advances |
89.59 |
81.58 |
90.61 |
90.18 |
95.29 |
90.10 |
86.25 |
84.90 |
10. |
Ratio of investments in non-approved securities to total investments |
15.53 |
13.94 |
14.08 |
10.93 |
28.56 |
31.01 |
22.77 |
22.09 |
11. |
Ratio of Interest income to total assets |
9.94 |
9.90 |
10.53 |
10.36 |
9.42 |
9.44 |
8.61 |
9.20 |
12. |
Ratio of net interest margin to total assets |
3.04 |
3.26 |
3.04 |
2.77 |
3.09 |
3.18 |
2.35 |
2.86 |
13. |
Ratio of non-interest income to total assets |
1.39 |
1.16 |
1.70 |
1.13 |
1.16 |
1.16 |
1.43 |
1.49 |
14. |
Ratio of intermediation cost to total assets |
2.89 |
3.15 |
2.62 |
2.52 |
2.35 |
2.64 |
2.54 |
3.02 |
15. |
Ratio of wage bills to intermediation cost |
68.49 |
73.08 |
72.78 |
74.23 |
68.78 |
71.27 |
71.55 |
76.78 |
16. |
Ratio of wage bills to total expenses |
20.20 |
23.51 |
18.86 |
18.50 |
18.64 |
21.11 |
20.65 |
24.76 |
17. |
Ratio of wage bills to total income |
17.46 |
20.81 |
15.59 |
16.29 |
15.29 |
17.73 |
18.09 |
21.67 |
18. |
Ratio of burden to total assets |
1.50 |
1.99 |
0.92 |
1.39 |
1.19 |
1.48 |
1.11 |
1.53 |
19. |
Ratio of burden to interest income |
15.10 |
20.07 |
8.76 |
13.43 |
12.68 |
15.66 |
12.90 |
16.59 |
20. |
Ratio of operating profits to total assets |
1.54 |
1.27 |
2.12 |
1.37 |
1.90 |
1.70 |
1.24 |
1.34 |
21. |
Return on assets |
0.35 |
0.18 |
0.76 |
0.59 |
0.85 |
0.45 |
0.31 |
0.44 |
22. |
Return on equity |
7.97 |
4.42 |
22.45 |
18.10 |
16.40 |
8.33 |
7.03 |
9.69 |
23. |
Cost of deposits |
7.61 |
7.17 |
7.87 |
7.96 |
6.78 |
6.80 |
6.64 |
6.47 |
24. |
Cost of borrowings |
1.32 |
4.23 |
18.51 |
19.86 |
18.97 |
11.55 |
12.79 |
18.71 |
25. |
Cost of funds |
7.59 |
7.17 |
8.00 |
8.07 |
6.89 |
6.86 |
6.95 |
6.91 |
26. |
Return on advances |
11.62 |
11.94 |
12.76 |
12.22 |
11.39 |
11.34 |
11.10 |
10.97 |
27. |
Return on investments |
11.72 |
10.99 |
11.84 |
11.79 |
11.57 |
11.20 |
10.47 |
10.35 |
28. |
Return on advance adjusted to cost of funds |
4.03 |
4.77 |
4.76 |
4.15 |
4.51 |
4.48 |
4.15 |
4.06 |
29. |
Return on investment adjusted to cost of funds |
4.14 |
3.82 |
3.84 |
3.72 |
4.68 |
4.34 |
3.52 |
3.44 |
30. |
Business per employee (in Rs. lakh) |
105.00 |
129.00 |
111.71 |
153.62 |
142.82 |
166.11 |
135.65 |
184.26 |
31. |
Profit per employee (in Rs. lakh) |
0.31 |
0.19 |
0.82 |
0.95 |
1.07 |
0.59 |
0.33 |
0.57 |
32. |
Capital adequacy ratio |
11.51 |
10.50 |
13.36 |
13.40 |
12.10 |
12.80 |
10.57 |
12.23 |
33. |
Capital adequacy ratio - Tier I |
7.10 |
6.70 |
10.01 |
9.76 |
8.86 |
8.49 |
6.91 |
7.62 |
34. |
Capital adequacy ratio - Tier II |
4.41 |
3.80 |
3.35 |
3.64 |
3.24 |
4.31 |
3.66 |
4.61 |
35. |
Ratio of net NPA to net advances |
12.24 |
11.23 |
3.47 |
2.95 |
5.94 |
6.77 |
7.55 |
6.72 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Bank of |
Canara Bank |
Central Bank of |
Corporation |
|||||
Maharashtra |
India |
Bank |
|||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
||
|
|||||||||
1. |
Cash-deposit ratio |
9.48 |
10.86 |
8.00 |
6.58 |
10.06 |
9.91 |
8.14 |
6.57 |
2. |
Credit-deposit ratio |
39.18 |
39.19 |
49.05 |
47.12 |
44.06 |
45.36 |
54.47 |
52.33 |
3. |
Investment-deposit ratio |
55.79 |
51.93 |
41.71 |
36.31 |
47.63 |
46.43 |
41.75 |
41.43 |
4. |
(Credit + investment)-deposit ratio |
94.97 |
91.12 |
90.77 |
83.42 |
91.69 |
91.79 |
96.22 |
93.76 |
5. |
Ratio of deposits to total liabilities |
88.05 |
89.42 |
88.23 |
88.91 |
86.49 |
87.85 |
85.19 |
84.05 |
6. |
Ratio of term deposits to total deposits |
61.65 |
65.79 |
62.01 |
65.07 |
58.45 |
60.33 |
72.91 |
73.53 |
7. |
Ratio of priority sector advances to total advances |
35.19 |
37.79 |
28.91 |
28.99 |
36.79 |
38.07 |
29.02 |
33.10 |
8. |
Ratio of term-loans to total advances |
40.25 |
43.13 |
33.49 |
31.37 |
38.79 |
39.51 |
54.88 |
45.22 |
9. |
Ratio of secured advances to total advances |
92.90 |
92.20 |
86.72 |
83.88 |
91.59 |
88.50 |
85.53 |
86.23 |
10. |
Ratio of investments in non-approved securities to total investments |
18.67 |
14.53 |
33.00 |
25.40 |
21.96 |
24.16 |
32.57 |
28.30 |
11. |
Ratio of Interest income to total assets |
10.71 |
9.96 |
9.46 |
9.30 |
6.52 |
9.61 |
10.11 |
9.90 |
12. |
Ratio of net interest margin to total assets |
3.41 |
3.26 |
2.80 |
3.12 |
1.77 |
3.27 |
2.89 |
3.19 |
13. |
Ratio of non-interest income to total assets |
1.35 |
1.30 |
1.63 |
1.52 |
0.69 |
1.06 |
1.71 |
1.60 |
14. |
Ratio of intermediation cost to total assets |
3.06 |
3.16 |
2.63 |
2.76 |
1.97 |
3.26 |
1.92 |
1.87 |
15. |
Ratio of wage bills to intermediation cost |
77.33 |
78.36 |
70.46 |
75.05 |
76.35 |
79.56 |
58.31 |
58.59 |
16. |
Ratio of wage bills to total expenses |
22.87 |
25.10 |
19.96 |
23.18 |
22.36 |
27.02 |
12.22 |
12.78 |
17. |
Ratio of wage bills to total income |
19.67 |
21.97 |
16.72 |
19.17 |
20.84 |
24.34 |
9.45 |
9.54 |
18. |
Ratio of burden to total assets |
1.72 |
1.86 |
1.00 |
1.24 |
1.28 |
2.21 |
0.21 |
0.27 |
19. |
Ratio of burden to interest income |
16.05 |
18.66 |
10.60 |
13.38 |
19.57 |
22.95 |
2.07 |
2.73 |
20. |
Ratio of operating profits to total assets |
1.69 |
1.40 |
1.80 |
1.87 |
0.49 |
1.06 |
2.68 |
2.92 |
21. |
Return on assets |
0.59 |
0.24 |
0.43 |
0.43 |
0.38 |
0.10 |
1.54 |
1.55 |
22. |
Return on equity |
17.63 |
8.05 |
9.43 |
10.54 |
1.56 |
1.82 |
21.94 |
21.01 |
23. |
Cost of deposits |
7.85 |
7.19 |
7.19 |
6.68 |
5.32 |
7.06 |
8.30 |
7.68 |
24. |
Cost of borrowings |
4.61 |
2.85 |
1.37 |
2.06 |
8.54 |
3.61 |
6.91 |
4.38 |
25. |
Cost of funds |
7.78 |
7.09 |
7.02 |
6.56 |
5.35 |
7.03 |
8.28 |
7.59 |
26. |
Return on advances |
12.65 |
11.79 |
11.55 |
11.37 |
8.40 |
11.36 |
11.46 |
11.36 |
27. |
Return on investments |
12.52 |
11.47 |
10.92 |
10.78 |
6.52 |
11.80 |
12.01 |
11.60 |
28. |
Return on advances adjusted to cost of funds |
4.88 |
4.70 |
4.53 |
4.81 |
3.05 |
4.34 |
3.19 |
3.77 |
29. |
Return on investments adjusted to cost of funds |
4.74 |
4.38 |
3.90 |
4.22 |
1.17 |
4.78 |
3.74 |
4.02 |
30. |
Business per employee (in Rs. lakh) |
114.84 |
164.77 |
135.20 |
190.67 |
93.30 |
110.38 |
207.68 |
245.31 |
31. |
Profit per employee (in Rs. lakh) |
0.56 |
0.32 |
0.45 |
0.63 |
0.31 |
0.10 |
2.20 |
2.55 |
32. |
Capital adequacy ratio |
11.66 |
10.64 |
9.64 |
9.84 |
11.18 |
10.02 |
12.80 |
13.30 |
33. |
Capital adequacy ratio - Tier I |
7.41 |
6.39 |
7.77 |
7.31 |
6.65 |
5.74 |
12.70 |
13.00 |
34. |
Capital adequacy ratio - Tier II |
4.25 |
4.25 |
1.87 |
2.53 |
4.53 |
4.28 |
0.10 |
0.30 |
35. |
Ratio of net NPA to net advances |
6.97 |
7.41 |
5.20 |
4.84 |
9.84 |
9.72 |
1.92 |
1.98 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Dena Bank |
Indian Bank |
Indian Overseas |
Oriental Bank of |
|||||
Bank |
Commerce |
||||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
||
|
|||||||||
1. |
Cash-deposit ratio |
9.42 |
8.22 |
8.03 |
6.58 |
12.01 |
8.54 |
10.30 |
8.22 |
2. |
Credit-deposit ratio |
53.57 |
48.05 |
42.92 |
43.49 |
47.59 |
47.77 |
42.21 |
44.88 |
3. |
Investment-deposit ratio |
52.05 |
46.77 |
44.71 |
46.10 |
42.15 |
42.94 |
52.32 |
49.83 |
4. |
(Credit + investment)-deposit ratio |
105.62 |
94.82 |
87.63 |
89.59 |
89.74 |
90.71 |
94.52 |
94.71 |
5. |
Ratio of deposits to total liabilities |
78.85 |
81.37 |
81.24 |
81.43 |
88.04 |
90.49 |
90.03 |
91.16 |
6. |
Ratio of term deposits to total deposits |
62.75 |
61.68 |
70.24 |
71.76 |
67.84 |
68.44 |
74.92 |
74.40 |
7. |
Ratio of priority sector advances to total advances |
40.11 |
39.12 |
24.86 |
23.85 |
29.63 |
30.95 |
39.70 |
38.76 |
8. |
Ratio of term-loans to total advances |
35.34 |
43.51 |
18.78 |
22.63 |
22.88 |
26.12 |
33.21 |
33.31 |
9. |
Ratio of secured advances to total advances |
97.40 |
97.32 |
93.01 |
87.87 |
94.14 |
91.33 |
95.98 |
94.61 |
10. |
Ratio of investments in non-approved securities to total investments |
33.36 |
33.09 |
15.33 |
16.75 |
12.93 |
16.21 |
39.14 |
36.08 |
11. |
Ratio of Interest income to total assets |
10.02 |
9.88 |
8.44 |
8.37 |
12.73 |
9.65 |
11.35 |
10.69 |
12. |
Ratio of net interest margin to total assets |
2.64 |
2.58 |
1.69 |
1.95 |
3.68 |
3.04 |
3.29 |
3.06 |
13. |
Ratio of non-interest income to total assets |
1.34 |
1.15 |
1.22 |
1.26 |
1.15 |
1.04 |
1.02 |
1.04 |
14. |
Ratio of intermediation cost to total assets |
2.60 |
3.34 |
2.81 |
2.96 |
3.32 |
3.03 |
1.98 |
2.03 |
15. |
Ratio of wage bills to intermediation cost |
71.23 |
74.93 |
78.16 |
79.78 |
70.77 |
76.34 |
54.03 |
60.11 |
16. |
Ratio of wage bills to total expenses |
18.54 |
23.52 |
22.95 |
25.19 |
18.99 |
23.99 |
10.65 |
12.64 |
17. |
Ratio of wage bills to total income |
16.29 |
22.68 |
22.70 |
24.55 |
16.93 |
21.61 |
8.64 |
10.41 |
18. |
Ratio of burden to total assets |
1.26 |
2.19 |
1.58 |
1.70 |
2.17 |
1.98 |
0.95 |
0.99 |
19. |
Ratio of burden to interest income |
12.58 |
22.19 |
18.76 |
20.35 |
17.06 |
20.55 |
8.42 |
9.30 |
20. |
Ratio of operating profits to total assets |
1.38 |
0.39 |
0.11 |
0.25 |
1.50 |
1.06 |
2.34 |
2.07 |
21. |
Return on assets |
0.38 |
0.00 |
0.00 |
0.00 |
0.15 |
0.38 |
1.10 |
0.80 |
22. |
Return on equity |
8.26 |
-33.11 |
-14.74 |
-9.47 |
13.79 |
13.78 |
20.95 |
13.63 |
23. |
Cost of deposits |
8.32 |
8.18 |
8.04 |
7.51 |
9.94 |
7.17 |
8.83 |
8.28 |
24. |
Cost of borrowings |
4.29 |
4.94 |
11.77 |
26.12 |
6.44 |
7.66 |
4.73 |
3.13 |
25. |
Cost of funds |
8.11 |
8.05 |
8.11 |
7.71 |
9.88 |
7.18 |
8.77 |
8.20 |
26. |
Return on advances |
12.32 |
11.88 |
11.84 |
11.59 |
14.99 |
10.95 |
11.87 |
11.79 |
27. |
Return on investments |
11.39 |
11.89 |
11.41 |
11.24 |
15.73 |
11.33 |
14.09 |
12.08 |
28. |
Return on advances adjusted to cost of funds |
4.21 |
3.83 |
3.74 |
3.88 |
5.10 |
3.77 |
3.10 |
3.59 |
29. |
Return on investments adjusted to cost of funds |
3.28 |
3.84 |
3.30 |
3.53 |
5.85 |
4.15 |
5.32 |
3.88 |
30. |
Business per employee (in Rs. lakh) |
145.00 |
207.00 |
110.00 |
136.00 |
116.87 |
141.40 |
218.20 |
263.20 |
31. |
Profit per employee (in Rs. lakh) |
0.45 |
0.00 |
0.00 |
0.00 |
0.14 |
0.45 |
1.90 |
1.50 |
32. |
Capital adequacy ratio |
11.63 |
7.73 |
Neg. |
Neg. |
9.15 |
10.24 |
12.72 |
12.17 |
33. |
Capital adequacy ratio - Tier I |
7.07 |
4.38 |
Neg. |
Neg. |
5.16 |
5.81 |
12.54 |
11.81 |
34. |
Capital adequacy ratio - Tier II |
4.56 |
3.35 |
0.00 |
0.00 |
3.99 |
4.43 |
0.18 |
0.36 |
35. |
Ratio of net NPA to net advances |
13.47 |
18.37 |
6.80 |
10.06 |
7.65 |
7.01 |
3.80 |
3.60 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Punjab & Sind |
Punjab National |
Syndicate Bank |
UCO Bank |
|||||
Bank |
Bank |
||||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
||
|
|||||||||
1. |
Cash-deposit ratio |
11.08 |
8.41 |
11.54 |
9.56 |
11.80 |
7.80 |
8.09 |
9.49 |
2. |
Credit-deposit ratio |
45.14 |
43.52 |
47.54 |
49.93 |
51.60 |
52.27 |
41.56 |
46.83 |
3. |
Investment-deposit ratio |
45.56 |
46.19 |
46.54 |
44.77 |
41.56 |
42.04 |
54.11 |
50.35 |
4. |
(Credit + investment)-deposit ratio |
90.70 |
89.71 |
94.08 |
94.70 |
93.16 |
94.31 |
95.67 |
97.18 |
5. |
Ratio of deposits to total liabilities |
88.71 |
88.83 |
87.72 |
88.39 |
87.09 |
88.85 |
77.93 |
78.80 |
6. |
Ratio of term deposits to total deposits |
68.79 |
69.01 |
55.12 |
55.74 |
65.54 |
62.84 |
59.92 |
60.99 |
7. |
Ratio of priority sector advances to total advances |
40.30 |
40.68 |
36.87 |
38.73 |
25.66 |
29.05 |
28.74 |
27.25 |
8. |
Ratio of term-loans to total advances |
42.65 |
40.84 |
35.37 |
35.22 |
64.29 |
54.83 |
36.46 |
36.07 |
9. |
Ratio of secured advances to total advances |
93.77 |
93.46 |
97.33 |
95.94 |
63.14 |
75.65 |
78.22 |
75.40 |
10. |
Ratio of investments in non-approved securities to total investments |
25.46 |
25.07 |
15.28 |
16.65 |
17.36 |
17.94 |
29.78 |
26.63 |
11. |
Ratio of Interest income to total assets |
10.04 |
9.78 |
10.26 |
9.97 |
9.94 |
10.08 |
8.93 |
8.94 |
12. |
Ratio of net interest margin to total assets |
2.48 |
2.66 |
3.22 |
3.47 |
3.36 |
3.95 |
2.49 |
2.60 |
13. |
Ratio of non-interest income to total assets |
1.37 |
1.31 |
1.45 |
1.32 |
1.25 |
1.02 |
1.12 |
1.17 |
14. |
Ratio of intermediation cost to total assets |
2.98 |
3.16 |
3.03 |
3.18 |
3.47 |
3.89 |
2.82 |
2.93 |
15. |
Ratio of wage bills to intermediation cost |
72.10 |
76.29 |
77.68 |
77.96 |
78.62 |
81.82 |
81.04 |
82.83 |
16. |
Ratio of wage bills to total expenses |
20.40 |
23.45 |
23.38 |
25.61 |
27.16 |
31.75 |
24.70 |
26.20 |
17. |
Ratio of wage bills to total income |
18.84 |
21.73 |
20.12 |
21.97 |
24.39 |
28.68 |
22.74 |
24.02 |
18. |
Ratio of burden to total assets |
1.61 |
1.85 |
1.59 |
1.86 |
2.22 |
2.87 |
1.70 |
1.76 |
19. |
Ratio of burden to interest income |
16.03 |
18.88 |
15.45 |
18.64 |
22.35 |
28.50 |
19.00 |
19.71 |
20. |
Ratio of operating profits to total assets |
0.87 |
0.81 |
1.63 |
1.61 |
1.14 |
1.07 |
0.80 |
0.84 |
21. |
Return on assets |
0.52 |
0.10 |
0.75 |
0.73 |
0.89 |
0.91 |
0.18 |
0.14 |
22. |
Return on equity |
15.45 |
3.12 |
19.42 |
18.76 |
24.69 |
20.73 |
1.39 |
1.25 |
23. |
Cost of deposits |
8.11 |
7.58 |
7.63 |
6.97 |
7.23 |
6.75 |
7.80 |
7.74 |
24. |
Cost of borrowings |
2.64 |
3.74 |
6.76 |
5.87 |
2.03 |
3.83 |
12.02 |
8.78 |
25. |
Cost of funds |
7.99 |
7.50 |
7.62 |
6.95 |
7.20 |
6.73 |
7.90 |
7.77 |
26. |
Return on advances |
11.86 |
11.80 |
12.08 |
11.16 |
12.31 |
12.47 |
11.02 |
10.75 |
27. |
Return on investments |
11.98 |
11.33 |
11.89 |
11.61 |
11.85 |
11.09 |
11.54 |
11.24 |
28. |
Return on advances adjusted to cost of funds |
3.87 |
4.30 |
4.46 |
4.21 |
5.10 |
5.74 |
3.12 |
2.98 |
29. |
Return on investments adjusted to cost of funds |
4.00 |
3.83 |
4.26 |
4.66 |
4.65 |
4.36 |
3.63 |
3.48 |
30. |
Business per employee (in Rs. lakh) |
124.96 |
168.08 |
106.48 |
141.95 |
111.36 |
133.68 |
89.00 |
97.00 |
31. |
Profit per employee (in Rs. lakh) |
0.51 |
0.13 |
0.63 |
0.80 |
0.66 |
0.81 |
0.12 |
0.12 |
32. |
Capital adequacy ratio |
11.57 |
11.42 |
10.31 |
10.24 |
11.45 |
11.72 |
9.15 |
9.05 |
33. |
Capital adequacy ratio - Tier I |
7.51 |
6.87 |
6.73 |
6.84 |
7.21 |
7.88 |
6.59 |
5.36 |
34. |
Capital adequacy ratio - Tier II |
4.06 |
4.55 |
3.58 |
3.40 |
4.24 |
3.84 |
2.56 |
3.69 |
35. |
Ratio of net NPA to net advances |
9.39 |
12.27 |
8.52 |
6.69 |
3.17 |
4.05 |
8.75 |
6.35 |
|
(per cent) |
|||||||
|
|||||||
As on March 31 |
|||||||
|
|||||||
Ratios |
Union Bank of |
United Bank of India |
Vijaya Bank |
||||
India |
|||||||
|
|||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
||
|
|||||||
1. |
Cash-deposit ratio |
10.01 |
7.86 |
12.06 |
8.10 |
10.67 |
6.74 |
2. |
Credit-deposit ratio |
46.98 |
50.18 |
27.18 |
31.06 |
40.44 |
45.28 |
3. |
Investment-deposit ratio |
36.90 |
39.19 |
60.50 |
61.47 |
43.90 |
46.47 |
4. |
(Credit + investment)-deposit ratio |
83.88 |
89.36 |
87.68 |
92.53 |
84.33 |
91.75 |
5. |
Ratio of deposits to total liabilities |
88.91 |
89.51 |
86.06 |
86.01 |
90.63 |
88.61 |
6. |
Ratio of term deposits to total deposits |
60.59 |
58.47 |
63.55 |
63.17 |
63.56 |
66.03 |
7. |
Ratio of priority sector advances to total advances |
32.74 |
32.39 |
23.48 |
20.22 |
39.77 |
35.20 |
8. |
Ratio of term-loans to total advances |
30.07 |
34.48 |
46.67 |
43.42 |
40.77 |
41.20 |
9. |
Ratio of secured advances to total advances |
97.63 |
95.48 |
99.41 |
91.73 |
89.11 |
89.08 |
10. |
Ratio of investments in non-approved securities to total investments |
20.52 |
26.11 |
22.85 |
23.53 |
30.38 |
26.71 |
11. |
Ratio of Interest income to total assets |
11.32 |
10.09 |
9.24 |
9.42 |
10.03 |
10.03 |
12. |
Ratio of net interest margin to total assets |
3.70 |
3.30 |
2.24 |
2.51 |
3.25 |
3.40 |
13. |
Ratio of non-interest income to total assets |
1.32 |
0.84 |
0.76 |
0.80 |
0.98 |
1.16 |
14. |
Ratio of intermediation cost to total assets |
3.75 |
2.76 |
2.54 |
2.64 |
3.18 |
3.24 |
15. |
Ratio of wage bills to intermediation cost |
79.76 |
74.18 |
83.00 |
82.63 |
71.84 |
75.42 |
16. |
Ratio of wage bills to total expenses |
26.33 |
21.40 |
22.06 |
22.85 |
22.93 |
24.77 |
17. |
Ratio of wage bills to total income |
23.67 |
18.70 |
21.05 |
21.36 |
20.74 |
21.85 |
18. |
Ratio of burden to total assets |
2.43 |
1.91 |
1.78 |
1.84 |
2.20 |
2.08 |
19. |
Ratio of burden to interest income |
21.47 |
18.96 |
19.22 |
19.52 |
21.94 |
20.78 |
20. |
Ratio of operating profits to total assets |
1.27 |
1.38 |
0.46 |
0.67 |
1.05 |
1.32 |
21. |
Return on assets |
0.29 |
0.40 |
0.17 |
0.10 |
0.38 |
0.53 |
22. |
Return on equity |
8.79 |
8.65 |
1.59 |
0.97 |
9.18 |
13.52 |
23. |
Cost of deposits |
8.28 |
7.36 |
8.11 |
7.95 |
7.31 |
7.10 |
24. |
Cost of borrowings |
6.91 |
6.60 |
7.25 |
4.52 |
3.68 |
3.91 |
25. |
Cost of funds |
8.27 |
7.35 |
8.10 |
7.93 |
7.28 |
7.07 |
26. |
Return on advances |
13.76 |
12.17 |
11.38 |
11.37 |
13.18 |
12.52 |
27. |
Return on investments |
15.74 |
12.12 |
12.19 |
12.11 |
12.28 |
11.79 |
28. |
Return on advances adjusted to cost of funds |
5.48 |
4.83 |
3.28 |
3.44 |
5.90 |
5.45 |
29. |
Return on investments adjusted to cost of funds |
7.46 |
4.77 |
4.09 |
4.18 |
5.01 |
4.72 |
30. |
Business per employee (in Rs. lakh) |
135.44 |
183.23 |
100.28 |
120.00 |
105.49 |
122.83 |
31. |
Profit per employee (in Rs. lakh) |
0.33 |
0.55 |
0.15 |
0.10 |
0.36 |
0.53 |
32. |
Capital adequacy ratio |
11.42 |
10.86 |
9.60 |
10.40 |
10.61 |
11.50 |
33. |
Capital adequacy ratio - Tier I |
6.66 |
6.19 |
8.20 |
7.00 |
6.01 |
8.04 |
34. |
Capital adequacy ratio - Tier II |
4.76 |
4.67 |
1.40 |
3.40 |
4.60 |
3.46 |
35. |
Ratio of net NPA to net advances |
7.97 |
6.87 |
12.70 |
10.50 |
6.65 |
6.23 |
|
Source: Compiled form annual accounts of banks of respective years. |