Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 2 of 4)

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Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 2 of 4)

FOREIGN BANKS
(per cent)

		As on March 31

	Ratios	ABN Amro		Abu-Dhabi		American		Arab Bangladesh
		Bank		Commercial Bank		Express Bank		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

		(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)

1.	Cash-deposit ratio	9.87	5.40	3.26	2.96	7.75	13.14	3.60	2.86
2.	Credit-deposit ratio	113.83	91.89	40.07	15.70	62.89	96.03	24.77	27.24
3.	Investment-deposit ratio	79.38	61.97	41.27	75.16	86.49	93.10	22.95	22.59
4.	(Credit + investment)-deposit ratio	193.21	153.86	81.34	90.85	149.37	189.13	47.71	49.83
5.	Ratio of deposits to total liabilities	45.54	54.67	87.67	89.83	52.04	37.63	40.61	45.80
6.	Ratio of term deposits to total deposits	59.09	64.19	83.14	94.91	61.28	57.81	37.18	25.55
7.	Ratio of priority sector advances to total advances	34.85	28.04	16.27	18.44	34.05	26.10	16.07	51.64
8.	Ratio of term-loans to total advances	36.58	31.32	20.99	11.16	22.93	30.93	0.00	0.00
9.	Ratio of secured advances to total advances	88.78	82.73	82.73	89.32	42.82	56.98	100.00	97.80
10.	Ratio of investments in non-approved securities to total investments	49.53	35.14	35.91	66.00	44.17	39.89	14.28	14.70
11.	Ratio of Interest income to total assets	10.53	10.74	10.98	9.65	10.10	9.60	7.88	7.97
12.	Ratio of net interest margin to total assets	4.21	4.16	2.09	1.45	3.55	2.99	6.35	6.79
13.	Ratio of non-interest income to total assets	2.18	2.27	1.51	1.20	4.74	6.61	2.54	2.94
14.	Ratio of intermediation cost to total assets	2.40	2.72	1.10	0.65	5.80	7.53	2.26	2.46
15.	Ratio of wage bills to intermediation cost	24.99	27.76	38.61	41.32	41.34	26.18	37.14	31.93
16.	Ratio of wage bills to total expenses	6.87	8.12	4.26	3.05	19.42	13.94	22.18	21.55
17.	Ratio of wage bills to total income	4.72	5.81	3.41	2.49	16.16	12.17	8.06	7.18
18.	Ratio of burden to total assets	0.22	0.45	-0.41	-0.55	1.06	0.93	-0.28	-0.49
19.	Ratio of burden to interest income	2.08	4.23	-3.71	-5.66	10.50	9.64	-3.54	-6.12
20.	Ratio of operating profits to total assets	3.99	3.70	2.50	1.99	2.49	2.07	6.63	7.28
21.	Return on assets	1.58	0.40	0.52	0.44	1.02	-0.62	3.05	3.68
22.	Return on equity	25.81	18.04	11.84	19.81	10.97	-9.14	5.20	6.70
23.	Cost of deposits	5.20	4.38	9.13	7.92	6.53	6.83	3.92	2.70
24.	Cost of borrowings	7.00	8.38	3.56	8.22	4.87	5.74	1.14	1.20
25.	Cost of funds	6.05	6.07	8.59	7.93	5.89	6.30	3.82	2.65
26.	Return on advances	11.87	12.96	12.04	13.63	11.98	10.82	14.55	18.64
27.	Return on investments	11.68	11.57	15.76	10.03	11.53	10.91	10.83	10.21
28.	Return on advance adjusted to cost of funds	5.83	6.89	3.45	5.70	6.08	4.52	10.72	15.99
29.	Return on investment adjusted to cost of funds	5.63	5.50	7.17	2.10	5.63	4.61	7.01	7.56
30.	Business per employee (in Rs. lakh)	857.06	868.15	1033.87	2454.49	290.24	252.92	151.18	218.13
31.	Profit per employee (in Rs. lakh)	13.91	3.80	4.39	10.36	3.17	2.11	9.42	14.92
32.	Capital adequacy ratio	10.09	11.42	10.61	10.05	10.09	9.59	123.00	96.34
33.	Capital adequacy ratio - Tier I	8.23	9.51	9.36	8.80	9.91	9.36	123.00	96.34
34.	Capital adequacy ratio - Tier II	1.86	1.91	1.25	1.25	0.18	0.23	0.00	0.00
35.	Ratio of net NPA to net advances	0.30	1.22	2.10	1.92	4.32	6.20	6.07	4.24

(per cent)

		As on March 31

	Ratios	Bank International		Bank Muscat		Bank of		Bank of Bahrain
		Indonesia		International		America		& Kuwait

		2000	2001	2000	2001	2000	2001	2000	2001

		(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)

1.	Cash-deposit ratio	11.33	8.87	3.57	3.51	6.21	8.88	6.65	4.66
2.	Credit-deposit ratio	95.69	81.44	21.52	61.70	145.61	151.33	69.68	79.63
3.	Investment-deposit ratio	185.98	132.71	18.05	52.13	51.81	55.60	43.67	40.36
4.	(Credit + investment)-deposit ratio	281.67	214.15	39.57	113.82	197.43	206.93	113.34	119.99
5.	Ratio of deposits to total liabilities	16.32	15.53	68.64	68.81	44.23	41.96	65.58	63.67
6.	Ratio of term deposits to total deposits	82.34	67.10	92.53	94.91	78.14	72.85	88.53	90.96
7.	Ratio of priority sector advances to total advances	0.00	40.74	27.49	18.08	10.41	14.50	28.67	18.67
8.	Ratio of term-loans to total advances	15.74	13.05	63.58	69.73	24.43	20.53	40.52	55.24
9.	Ratio of secured advances to total advances	93.75	100.00	99.91	100.00	32.39	31.52	69.44	67.34
10.	Ratio of investments in non-approved securities to total investments	28.71	13.52	30.04	6.19	16.90	0.00	27.98	15.60
11.	Ratio of Interest income to total assets	9.00	4.54	8.44	11.19	10.31	10.18	11.00	10.36
12.	Ratio of net interest margin to total assets	2.53	2.47	3.05	3.30	4.07	3.24	1.68	1.71
13.	Ratio of non-interest income to total assets	2.28	1.58	1.85	1.82	3.19	1.67	2.10	1.66
14.	Ratio of intermediation cost to total assets	13.70	10.12	4.00	3.76	2.86	1.58	1.89	1.82
15.	Ratio of wage bills to intermediation cost	6.82	5.78	32.04	31.43	50.84	38.32	36.19	36.18
16.	Ratio of wage bills to total expenses	4.63	4.80	13.66	10.13	15.98	7.12	6.11	6.28
17.	Ratio of wage bills to total income	8.28	9.56	12.46	9.07	10.77	5.12	5.23	5.46
18.	Ratio of burden to total assets	11.42	8.54	2.15	1.94	-0.33	-0.08	-0.21	0.16
19.	Ratio of burden to interest income	126.86	187.98	25.50	17.31	-3.20	-0.82	-1.90	1.50
20.	Ratio of operating profits to total assets	-8.89	-6.07	0.90	1.36	4.40	3.32	1.89	1.56
21.	Return on assets	-8.10	-2.96	1.07	2.34	1.17	1.25	0.90	0.81
22.	Return on equity	-15.00	-3.95	1.83	4.73	23.05	10.66	11.01	9.66
23.	Cost of deposits	8.80	9.53	8.14	4.57	8.42	9.94	11.26	10.11
24.	Cost of borrowings	15.91	3.32	12.44	81.36	6.29	6.74	10.92	8.65
25.	Cost of funds	12.91	6.43	8.52	10.59	7.48	8.41	11.19	9.77
26.	Return on advances	14.71	11.85	14.40	12.66	12.47	11.25	12.78	12.22
27.	Return on investments	12.25	9.89	11.50	14.79	10.64	10.27	12.44	12.77
28.	Return on advances adjusted to cost of funds	1.80	5.42	5.88	2.07	5.00	2.84	1.59	2.45
29.	Return on investments adjusted to cost of funds	-0.66	3.46	2.98	4.20	3.16	1.86	1.25	3.00
30.	Business per employee (in Rs. lakh)	490.33	306.40	278.57	367.11	1312.05	1978.32	689.90	808.00
31.	Profit per employee (in Rs. lakh)	-44.00	-15.61	3.77	6.63	20.22	23.42	5.58	5.70
32.	Capital adequacy ratio	59.92	103.78	70.06	34.55	12.93	13.03	12.14	11.83
33.	Capital adequacy ratio - Tier I	59.92	103.78	70.06	34.55	12.44	12.51	12.14	11.64
34.	Capital adequacy ratio - Tier II	0.00	0.00	0.00	0.00	0.49	0.52	0.00	0.19
35.	Ratio of net NPA to net advances	48.78	50.75	2.38	0.81	1.92	0.68	7.72	11.51

(per cent)

		As on March 31

	Ratios	Bank of Ceylon		Bank of		Bank of Tokyo-		BNP Paribas
				Nova Scotia		Mitsubishi

		2000	2001	2000	2001	2000	2001	2000	2001

		(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)

1.	Cash-deposit ratio	4.71	6.10	6.29	3.65	10.14	9.06	9.09	7.86
2.	Credit-deposit ratio	175.50	129.22	128.45	104.86	62.27	80.49	63.68	62.26
3.	Investment-deposit ratio	29.86	27.32	30.35	43.49	35.02	31.15	99.92	60.98
4.	(Credit + investment)-deposit ratio	205.36	156.54	158.80	148.36	97.30	111.64	163.60	123.24
5.	Ratio of deposits to total liabilities	31.98	45.29	53.22	62.35	71.68	67.18	46.45	63.40
6.	Ratio of term deposits to total deposits	74.93	77.68	90.41	94.41	55.14	56.80	66.49	76.27
7.	Ratio of priority sector advances to total advances	41.30	45.20	38.68	25.17	3.59	1.61	33.12	30.26
8.	Ratio of term-loans to total advances	4.85	8.61	53.77	66.98	34.73	21.30	32.01	43.94
9.	Ratio of secured advances to total advances	89.39	93.54	85.29	92.35	81.74	64.32	53.41	64.67
10.	Ratio of investments in non-approved securities to total investments	0.00	0.00	9.13	21.93	0.76	2.68	46.80	40.15
11.	Ratio of Interest income to total assets	9.87	8.18	9.29	11.15	10.80	10.94	9.92	10.55
12.	Ratio of net interest margin to total assets	5.72	3.75	2.99	2.81	5.24	6.47	2.79	2.83
13.	Ratio of non-interest income to total assets	3.33	2.60	2.23	1.19	4.59	7.73	1.96	1.69
14.	Ratio of intermediation cost to total assets	1.76	1.58	1.64	1.22	12.26	4.63	2.40	3.05
15.	Ratio of wage bills to intermediation cost	23.41	24.81	30.75	32.05	11.70	45.60	45.61	46.22
16.	Ratio of wage bills to total expenses	6.98	6.51	6.35	4.09	8.05	23.20	11.50	13.09
17.	Ratio of wage bills to total income	3.13	3.63	4.38	3.17	9.32	11.31	9.23	11.52
18.	Ratio of burden to total assets	-1.57	-1.02	-0.59	0.03	7.67	-3.10	0.45	1.36
19.	Ratio of burden to interest income	-15.89	-12.43	-6.33	0.27	70.96	-28.34	4.50	12.89
20.	Ratio of operating profits to total assets	7.28	4.76	3.58	2.78	-2.43	9.57	2.34	1.47
21.	Return on assets	2.62	0.95	1.91	1.28	4.88	7.57	0.94	0.33
22.	Return on equity	8.83	2.86	15.67	15.34	32.88	43.54	11.13	4.44
23.	Cost of deposits	8.03	9.09	7.35	9.50	6.59	5.76	8.97	8.27
24.	Cost of borrowings	8.60	7.35	6.78	9.46	14.31	11.32	7.19	9.28
25.	Cost of funds	8.23	8.65	7.16	9.49	6.80	6.07	8.11	8.62
26.	Return on advances	12.78	10.18	10.28	12.35	15.47	12.97	14.13	16.02
27.	Return on investments	11.59	8.99	10.28	11.53	11.39	11.23	11.37	10.32
28.	Return on advances adjusted to cost of funds	4.56	1.53	3.12	2.86	8.67	6.90	6.02	7.39
29.	Return on investments adjusted to cost of funds	3.36	0.34	3.12	2.05	4.59	5.16	3.27	1.70
30.	Business per employee (in Rs. lakh)	560.00	757.00	833.77	1300.40	381.66	354.55	555.25	553.45
31.	Profit per employee (in Rs. lakh)	16.00	6.00	14.43	15.70	13.62	23.51	6.25	1.96
32.	Capital adequacy ratio	29.07	36.49	9.67	9.97	17.62	15.51	9.55	9.92
33.	Capital adequacy ratio - Tier I	29.07	36.46	9.59	9.71	17.62	15.51	6.25	6.59
34.	Capital adequacy ratio - Tier II	0.03	0.03	0.08	0.26	0.00	0.00	3.30	3.33
35.	Ratio of net NPA to net advances	22.14	28.74	1.15	2.04	2.46	0.01	0.00	0.00

(per cent)

		As on March 31

	Ratios	Barclays Bank		Chase Manhattan		Chinatrust		Cho Hung
				Bank		Commercial Bank		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

		(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)

1.	Cash-deposit ratio	5.21	5.12	73.50	15.13	9.15	9.65	7.47	6.42
2.	Credit-deposit ratio	23.01	6.50	267.45	20.98	108.33	168.47	37.45	91.63
3.	Investment-deposit ratio	96.66	147.66	6536.28	282.72	102.80	102.28	46.26	53.01
4.	(Credit + investment)-deposit ratio	119.67	154.16	6803.72	303.70	211.13	270.75	83.70	144.64
5.	Ratio of deposits to total liabilities	64.34	38.41	1.29	25.86	41.82	33.62	61.45	45.16
6.	Ratio of term deposits to total deposits	92.36	94.34	0.00	87.22	89.40	84.44	21.22	52.99
7.	Ratio of priority sector advances to total advances	26.54	18.06	0.00	0.00	30.95	27.29	0.00	0.00
8.	Ratio of term-loans to total advances	66.76	27.42	0.00	16.47	80.56	82.41	10.67	36.34
9.	Ratio of secured advances to total advances	89.53	96.76	100.00	100.00	91.41	94.13	89.31	99.45
10.	Ratio of investments in non-approved securities to total investments	24.99	30.01	0.00	0.00	41.90	41.86	40.03	31.46
11.	Ratio of Interest income to total assets	9.68	8.41	7.72	7.94	12.20	10.23	8.98	9.28
12.	Ratio of net interest margin to total assets	2.04	1.77	1.15	2.68	3.86	4.04	8.03	7.73
13.	Ratio of non-interest income to total assets	0.66	1.35	15.72	12.37	0.46	0.58	1.83	2.32
14.	Ratio of intermediation cost to total assets	3.18	3.22	8.36	5.15	3.23	2.67	2.48	2.16
15.	Ratio of wage bills to intermediation cost	40.30	46.39	26.48	33.60	32.76	30.39	29.27	29.65
16.	Ratio of wage bills to total expenses	11.84	15.17	14.83	16.62	9.15	9.15	21.18	17.26
17.	Ratio of wage bills to total income	12.39	15.32	9.45	8.51	8.36	7.50	6.72	5.53
18.	Ratio of burden to total assets	2.52	1.87	-7.36	-7.23	2.77	2.09	0.65	-0.15
19.	Ratio of burden to interest income	26.04	22.25	-95.36	-90.95	22.70	20.43	7.25	-1.64
20.	Ratio of operating profits to total assets	-0.48	-0.10	8.51	9.91	1.09	1.95	7.38	7.88
21.	Return on assets	-2.23	1.65	2.87	6.66	0.25	0.64	0.51	3.16
22.	Return on equity	-14.48	12.77	20.55	26.25	1.20	2.71	1.87	10.37
23.	Cost of deposits	9.58	8.50	36.75	4.05	10.73	7.23	1.45	2.88
24.	Cost of borrowings	7.70	6.64	6.87	5.87	11.23	7.84	..	..
25.	Cost of funds	8.79	7.72	7.76	5.57	10.99	7.53	1.48	2.88
26.	Return on advances	9.79	8.11	16.63	15.76	15.44	11.43	15.31	12.90
27.	Return on investments	10.51	9.92	7.39	8.89	12.29	11.31	13.11	10.56
28.	Return on advances adjusted to cost of funds	1.00	0.39	8.87	10.18	4.45	3.90	13.83	10.02
29.	Return on investments adjusted to cost of funds	1.72	2.21	-0.37	3.32	1.29	3.78	11.63	7.68
30.	Business per employee (in Rs. lakh)	412.10	366.53	65.49	93.91	661.78	689.79	710.48	766.01
31.	Profit per employee (in Rs. lakh)	-16.27	14.28	1.70	30.06	1.92	4.87	49.33	27.84
32.	Capital adequacy ratio	17.75	26.97	45.86	43.79	25.56	28.27	38.00	35.00
33.	Capital adequacy ratio - Tier I	17.63	26.75	45.86	43.77	25.45	27.50	38.00	35.00
34.	Capital adequacy ratio - Tier II	0.12	0.22	0.00	0.02	0.11	0.77	0.00	0.00
35.	Ratio of net NPA to net advances	0.00	0.00	0.00	0.00	4.61	3.76	1.48	0.91

(per cent)

		As on March 31

	Ratios	Citibank		Commerz Bank		Credit Agricole		Credit Lyonnais
						Indosuez

		2000	2001	2000	2001	2000	2001	2000	2001

		(33)	(34)	(35)	(36)	(37)	(38)	(39)	(40)

1.	Cash-deposit ratio	7.32	6.55	13.22	2.41	14.02	4.33	4.42	2.43
2.	Credit-deposit ratio	64.88	65.99	96.48	26.40	77.67	74.32	47.29	63.69
3.	Investment-deposit ratio	41.46	39.88	156.86	76.94	111.67	65.67	54.98	44.16
4.	(Credit + investment)-deposit ratio	106.34	105.87	253.34	103.34	189.34	139.99	102.27	107.85
5.	Ratio of deposits to total liabilities	71.99	72.19	29.70	72.10	33.48	51.44	83.56	79.39
6.	Ratio of term deposits to total deposits	71.25	73.64	84.83	92.11	78.33	85.91	93.76	93.78
7.	Ratio of priority sector advances to total advances	18.73	20.77	35.56	29.71	32.41	27.00	9.00	15.65
8.	Ratio of term-loans to total advances	64.98	66.37	53.80	49.89	64.62	82.61	14.64	17.80
9.	Ratio of secured advances to total advances	45.64	47.40	58.68	66.26	87.04	56.84	54.80	46.17
10.	Ratio of investments in non-approved securities to total investments	21.87	17.83	57.15	60.98	20.17	34.49	27.80	37.47
11.	Ratio of Interest income to total assets	11.01	10.41	11.21	9.99	10.29	8.96	14.00	13.88
12.	Ratio of net interest margin to total assets	4.75	4.59	2.97	2.21	2.51	1.86	3.73	3.49
13.	Ratio of non-interest income to total assets	2.87	3.10	1.63	1.46	0.63	1.05	2.81	2.40
14.	Ratio of intermediation cost to total assets	3.70	3.57	3.92	2.69	3.27	2.90	2.19	1.95
15.	Ratio of wage bills to intermediation cost	21.19	23.16	42.66	44.01	41.50	52.01	45.24	50.50
16.	Ratio of wage bills to total expenses	7.88	8.81	13.76	11.31	12.29	15.07	7.95	7.99
17.	Ratio of wage bills to total income	5.65	6.13	13.04	10.34	12.42	15.04	5.90	6.06
18.	Ratio of burden to total assets	0.83	0.47	2.30	1.23	2.64	1.84	-0.62	-0.45
19.	Ratio of burden to interest income	7.55	4.52	20.50	12.30	25.61	20.58	-4.40	-3.21
20.	Ratio of operating profits to total assets	3.92	4.12	0.67	0.98	-0.12	0.02	4.34	3.94
21.	Return on assets	3.40	3.24	0.44	0.18	-9.83	-1.62	1.60	0.20
22.	Return on equity	26.87	24.74	2.87	1.36	-96.05	-22.13	21.21	2.34
23.	Cost of deposits	7.17	6.35	7.87	7.32	9.22	5.35	9.70	10.70
24.	Cost of borrowings	6.11	6.17	9.51	10.66	8.55	11.01	89.34	40.26
25.	Cost of funds	7.03	6.32	8.67	8.44	8.78	8.10	11.20	11.79
26.	Return on advances	15.68	14.14	14.23	13.45	14.45	10.10	22.63	16.98
27.	Return on investments	12.34	10.18	13.24	11.66	13.15	11.29	9.50	13.61
28.	Return on advances adjusted to cost of funds	8.65	7.82	5.56	5.01	5.68	2.00	11.42	5.20
29.	Return on investments adjusted to cost of funds	5.31	3.86	4.58	3.22	4.38	3.19	-1.71	1.83
30.	Business per employee (in Rs. lakh)	1160.64	1336.24	464.83	520.63	565.93	835.59	1228.12	1581.04
31.	Profit per employee (in Rs. lakh)	19.22	19.34	3.63	1.89	63.14	-20.05	15.81	2.36
32.	Capital adequacy ratio	10.58	11.24	17.58	15.05	11.82	11.60	9.70	10.60
33.	Capital adequacy ratio - Tier I	6.98	7.91	17.58	14.76	11.29	11.16	8.50	9.50
34.	Capital adequacy ratio - Tier II	3.60	3.33	0.00	0.29	0.53	0.44	1.20	1.10
35.	Ratio of net NPA to net advances	1.05	0.70	7.34	13.64	6.13	1.21	4.10	3.50

(per cent)

		As on March 31

	Ratios	Deutsche Bank		Development		Dresdner Bank		Hongkong &
				Bank of Singapore				Shanghai Bank

		2000	2001	2000	2001	2000	2001	2000	2001

		(41)	(42)	(43)	(44)	(45)	(46)	(47)	(48)

1.	Cash-deposit ratio	15.27	6.70	10.63	12.91	8.84	13.32	5.77	5.62
2.	Credit-deposit ratio	81.30	90.31	349.98	223.19	137.01	244.53	49.14	62.77
3.	Investment-deposit ratio	96.86	104.64	183.06	126.83	97.95	139.79	56.18	58.21
4.	(Credit + investment)-deposit ratio	178.16	194.95	533.04	350.02	234.96	384.32	105.33	120.97
5.	Ratio of deposits to total liabilities	46.57	42.07	16.62	18.09	37.07	15.47	69.12	63.81
6.	Ratio of term deposits to total deposits	49.43	56.67	87.74	96.04	91.24	79.85	68.08	69.00
7.	Ratio of priority sector advances to total advances	47.09	31.05	15.21	16.38	34.90	24.31	18.04	20.06
8.	Ratio of term-loans to total advances	57.87	9.13	55.99	51.86	40.53	26.01	70.31	61.40
9.	Ratio of secured advances to total advances	73.47	56.65	52.84	88.66	78.05	77.73	73.20	73.68
10.	Ratio of investments in non-approved securities to total investments	45.06	44.39	29.57	30.67	21.05	11.87	40.10	37.23
11.	Ratio of Interest income to total assets	10.35	10.60	9.95	10.44	10.83	13.67	9.08	9.34
12.	Ratio of net interest margin to total assets	5.12	5.57	3.97	3.34	5.45	4.93	3.18	3.34
13.	Ratio of non-interest income to total assets	4.17	4.87	1.65	1.94	1.33	-0.16	2.33	2.80
14.	Ratio of intermediation cost to total assets	3.98	4.23	2.03	1.85	5.08	8.56	2.73	2.94
15.	Ratio of wage bills to intermediation cost	31.75	30.50	35.35	35.74	28.39	34.46	33.88	35.74
16.	Ratio of wage bills to total expenses	13.71	13.94	8.95	7.39	13.78	17.05	10.71	11.74
17.	Ratio of wage bills to total income	8.70	8.34	6.18	5.34	11.86	21.83	8.10	8.65
18.	Ratio of burden to total assets	-0.19	-0.64	0.38	-0.09	3.75	8.72	0.39	0.14
19.	Ratio of burden to interest income	-1.81	-6.01	3.77	-0.85	34.63	63.80	4.34	1.47
20.	Ratio of operating profits to total assets	5.30	6.21	3.59	3.43	1.70	-3.79	2.79	3.20
21.	Return on assets	1.10	1.71	1.44	1.58	-11.37	-24.38	0.96	1.29
22.	Return on equity	9.89	16.00	7.94	11.18	-53.58	-74.04	15.02	20.83
23.	Cost of deposits	5.08	4.90	7.62	7.56	8.07	13.87	7.03	7.02
24.	Cost of borrowings	8.48	7.27	7.93	8.93	10.70	23.77	6.25	6.42
25.	Cost of funds	6.49	5.99	7.81	8.64	8.73	17.96	6.90	6.89
26.	Return on advances	11.19	11.36	13.50	12.37	11.54	18.17	11.24	11.42
27.	Return on investments	12.66	10.76	9.28	12.73	14.90	15.62	12.49	11.76
28.	Return on advances adjusted to cost of funds	4.70	5.36	5.69	3.73	2.81	0.22	4.35	4.54
29.	Return on investments adjusted to cost of funds	6.17	4.77	1.47	4.09	6.17	-2.33	5.60	4.87
30.	Business per employee (in Rs. lakh)	757.13	835.25	753.28	830.89	593.48	29.68	467.44	528.67
31.	Profit per employee (in Rs. lakh)	9.86	17.81	14.49	22.48	-76.36	-4.13	4.36	6.62
32.	Capital adequacy ratio	10.44	12.67	18.14	15.93	18.69	10.66	10.30	12.37
33.	Capital adequacy ratio - Tier I	10.44	12.51	18.13	15.56	18.69	10.66	5.68	8.63
34.	Capital adequacy ratio - Tier II	0.00	0.16	0.01	0.37	0.00	0.00	4.62	3.74
35.	Ratio of net NPA to net advances	0.00	0.00	0.00	0.00	13.50	29.45	1.04	0.99