Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 2 of 4) - আৰবিআই - Reserve Bank of India
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 |
Source: Compiled form annual accounts of banks of respective years. |