Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000 (Part 3 of 6) - আরবিআই - Reserve Bank of India
Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000
(Part 3 of 6)
OTHER SCHEDULED COMMERCIAL BANKS |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Bank of |
Bank of |
Bank of |
Benares State |
||||||
Madura |
Punjab |
Rajasthan |
Bank |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. |
Cash-deposit ratio |
11.65 |
12.56 |
11.06 |
9.97 |
11.49 |
11.00 |
11.06 |
14.85 |
2. |
Credit-deposit ratio |
46.26 |
45.87 |
47.69 |
49.91 |
49.83 |
53.31 |
26.24 |
25.67 |
3. |
Investment-deposit ratio |
37.59 |
47.17 |
46.58 |
49.75 |
36.52 |
38.41 |
50.88 |
54.16 |
4. |
(Credit + investment)-deposit ratio |
83.85 |
93.04 |
94.27 |
99.65 |
86.35 |
91.72 |
77.12 |
79.84 |
5. |
Ratio of deposits to total liabilities |
83.04 |
81.71 |
83.39 |
81.62 |
81.31 |
78.53 |
89.67 |
89.94 |
6. |
Ratio of term deposits to total deposits |
66.09 |
64.04 |
70.62 |
68.25 |
61.29 |
59.48 |
68.10 |
68.23 |
7. |
Ratio of priority sector advances to total advances |
26.60 |
28.93 |
17.17 |
26.79 |
35.73 |
29.25 |
49.54 |
36.71 |
8. |
Ratio of term-loans to total advances |
35.00 |
39.64 |
32.91 |
38.24 |
34.20 |
31.49 |
21.99 |
25.72 |
9. |
Ratio of secured advances to total advances |
88.07 |
67.06 |
94.57 |
71.69 |
92.39 |
92.91 |
99.92 |
99.29 |
10. |
Ratio of investments in non-approved securities to total investments |
37.03 |
28.07 |
43.78 |
28.79 |
13.92 |
17.41 |
42.51 |
54.95 |
11. |
Ratio of Interest income to total assets |
9.21 |
9.17 |
10.17 |
9.89 |
9.89 |
10.25 |
9.68 |
9.89 |
12. |
Ratio of net interest margin to total assets |
1.94 |
2.58 |
2.25 |
2.77 |
1.82 |
2.40 |
1.57 |
1.35 |
13. |
Ratio of non-interest income to total assets |
2.81 |
2.45 |
2.33 |
1.74 |
1.23 |
1.37 |
1.10 |
1.78 |
14. |
Ratio of intermediation cost to total assets |
3.01 |
2.66 |
2.30 |
2.49 |
3.37 |
3.30 |
3.68 |
3.07 |
15. |
Ratio of wage bills to intermediation cost |
45.82 |
58.45 |
16.97 |
11.74 |
68.52 |
70.34 |
70.44 |
69.61 |
16. |
Ratio of wage bills to total expenses |
13.42 |
16.81 |
3.82 |
3.04 |
20.18 |
20.81 |
21.99 |
18.38 |
17. |
Ratio of wage bills to total income |
11.48 |
13.39 |
3.13 |
2.51 |
20.75 |
19.97 |
24.05 |
18.29 |
18. |
Ratio of burden to total assets |
0.20 |
0.21 |
-0.03 |
0.75 |
2.14 |
1.93 |
2.58 |
1.29 |
19. |
Ratio of burden to interest income |
2.21 |
2.34 |
-0.27 |
7.55 |
21.61 |
18.82 |
26.68 |
13.04 |
20. |
Ratio of operating profits to total assets |
1.74 |
2.37 |
2.27 |
2.03 |
-0.32 |
0.47 |
-1.01 |
0.06 |
21. |
Return on assets |
0.83 |
1.12 |
1.53 |
1.04 |
-1.90 |
0.30 |
2.86 |
0.57 |
22. |
Return on equity |
15.09 |
19.86 |
22.62 |
20.80 |
-35.75 |
5.45 |
-30.87 |
-8.19 |
23. |
Cost of deposits |
8.16 |
7.27 |
9.14 |
8.02 |
9.70 |
9.74 |
9.08 |
9.47 |
24. |
Cost of borrowings |
4.61 |
3.69 |
12.25 |
9.40 |
10.84 |
9.97 |
10.16 |
10.40 |
25. |
Cost of funds |
7.90 |
7.07 |
9.21 |
8.11 |
9.72 |
9.75 |
9.08 |
9.48 |
26. |
Return on advances |
11.03 |
12.10 |
12.07 |
11.62 |
12.29 |
12.71 |
12.02 |
11.25 |
27. |
Return on investments |
11.92 |
10.27 |
12.97 |
12.37 |
11.99 |
12.81 |
13.49 |
14.64 |
28. |
Return on advances adjusted to cost of funds |
3.13 |
5.03 |
2.86 |
3.51 |
2.57 |
2.97 |
2.93 |
1.77 |
29. |
Return on investments adjusted to cost of funds |
4.02 |
3.20 |
3.76 |
4.26 |
2.27 |
3.07 |
4.40 |
5.16 |
30. |
Business per employee (in Rs. lakh) |
171.00 |
202.00 |
379.57 |
712.05 |
99.00 |
111.37 |
71.79 |
86.03 |
31. |
Profit per employee (in Rs. lakh) |
1.71 |
1.73 |
6.14 |
6.03 |
-1.54 |
0.28 |
1.43 |
0.40 |
32. |
Capital adequacy ratio |
14.25 |
15.83 |
14.64 |
9.81 |
0.83 |
5.73 |
Neg. |
Neg. |
33. |
Capital adequacy ratio - Tier I |
13.00 |
14.72 |
14.64 |
9.81 |
0.42 |
5.10 |
Neg. |
Neg. |
34. |
Capital adequacy ratio - Tier II |
1.25 |
1.11 |
|
|
0.41 |
0.63 |
Neg. |
Neg. |
35. |
Ratio of net NPA to net advances |
5.70 |
4.70 |
3.66 |
2.32 |
9.50 |
9.65 |
29.71 |
24.70 |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Bharat Overseas |
Catholic Syrian |
Centurion |
City Union |
||||||
Bank |
Bank |
Bank |
Bank |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. |
Cash-deposit ratio |
7.31 |
5.77 |
8.52 |
7.44 |
5.91 |
8.60 |
11.91 |
10.01 |
2. |
Credit-deposit ratio |
49.56 |
48.82 |
44.41 |
43.16 |
63.08 |
47.58 |
54.32 |
57.40 |
3. |
Investment-deposit ratio |
31.79 |
32.40 |
37.73 |
40.47 |
44.34 |
56.88 |
38.74 |
39.61 |
4. |
(Credit + investment)-deposit ratio |
81.35 |
81.22 |
82.14 |
83.63 |
107.42 |
104.46 |
93.05 |
97.00 |
5. |
Ratio of deposits to total liabilities |
84.58 |
87.14 |
92.16 |
91.30 |
68.96 |
74.02 |
86.71 |
86.93 |
6. |
Ratio of term deposits to total deposits |
79.23 |
77.15 |
76.69 |
74.77 |
87.58 |
88.46 |
80.33 |
75.99 |
7. |
Ratio of priority sector advances to total advances |
26.89 |
25.26 |
31.63 |
28.89 |
8.36 |
5.05 |
35.39 |
33.91 |
8. |
Ratio of term-loans to total advances |
17.41 |
21.81 |
41.32 |
40.17 |
45.16 |
49.90 |
24.91 |
22.95 |
9. |
Ratio of secured advances to total advances |
85.37 |
85.34 |
92.88 |
94.03 |
95.67 |
83.95 |
95.26 |
96.09 |
10. |
Ratio of investments in non-approved securities to total investments |
12.75 |
14.23 |
24.13 |
24.05 |
50.22 |
48.58 |
18.97 |
22.31 |
11. |
Ratio of Interest income to total assets |
10.29 |
8.90 |
11.71 |
11.31 |
16.83 |
10.63 |
11.70 |
11.89 |
12. |
Ratio of net interest margin to total assets |
2.23 |
2.22 |
2.10 |
2.52 |
4.20 |
1.93 |
2.06 |
3.16 |
13. |
Ratio of non-interest income to total assets |
1.31 |
1.27 |
1.12 |
1.68 |
1.90 |
2.13 |
2.16 |
2.24 |
14. |
Ratio of intermediation cost to total assets |
2.33 |
2.19 |
2.98 |
3.18 |
4.76 |
2.50 |
2.28 |
2.08 |
15. |
Ratio of wage bills to intermediation cost |
50.22 |
49.82 |
68.80 |
73.97 |
9.10 |
10.49 |
56.98 |
64.19 |
16. |
Ratio of wage bills to total expenses |
11.25 |
12.30 |
16.30 |
19.66 |
2.49 |
2.34 |
10.88 |
12.34 |
17. |
Ratio of wage bills to total income |
10.08 |
10.73 |
16.00 |
18.12 |
2.32 |
2.05 |
9.36 |
9.44 |
18. |
Ratio of burden to total assets |
1.02 |
0.92 |
1.87 |
1.50 |
2.87 |
0.37 |
0.12 |
-0.16 |
19. |
Ratio of burden to interest income |
9.90 |
10.34 |
15.92 |
13.25 |
17.03 |
3.44 |
1.03 |
-1.35 |
20. |
Ratio of operating profits to total assets |
1.21 |
1.30 |
0.23 |
1.02 |
1.34 |
1.56 |
1.94 |
3.32 |
21. |
Return on assets |
0.74 |
0.07 |
0.02 |
0.25 |
0.92 |
0.82 |
0.88 |
1.28 |
22. |
Return on equity |
15.31 |
1.23 |
0.88 |
12.24 |
14.04 |
17.86 |
15.94 |
20.60 |
23. |
Cost of deposits |
9.07 |
7.48 |
10.16 |
9.19 |
11.76 |
9.12 |
10.61 |
9.77 |
24. |
Cost of borrowings |
6.16 |
4.94 |
1.00 |
3.78 |
15.42 |
5.68 |
4.25 |
5.88 |
25. |
Cost of funds |
8.94 |
7.39 |
9.91 |
9.04 |
12.40 |
8.45 |
10.44 |
9.66 |
26. |
Return on advances |
12.99 |
11.04 |
14.84 |
14.24 |
19.30 |
13.52 |
15.19 |
14.87 |
27. |
Return on investments |
11.87 |
10.98 |
13.11 |
13.33 |
14.30 |
10.69 |
10.33 |
12.76 |
28. |
Return on advances adjusted to cost of funds |
4.05 |
3.65 |
4.93 |
5.20 |
6.90 |
5.07 |
4.75 |
5.21 |
29. |
Return on investments adjusted to cost of funds |
2.93 |
3.59 |
3.20 |
4.29 |
1.91 |
2.24 |
-0.12 |
3.10 |
30. |
Business per employee (in Rs. lakh) |
188.00 |
205.00 |
94.00 |
107.00 |
553.62 |
688.73 |
138.89 |
155.94 |
31. |
Profit per employee (in Rs. lakh) |
1.08 |
0.10 |
0.01 |
0.21 |
4.81 |
9.14 |
0.90 |
1.48 |
32. |
Capital adequacy ratio |
13.70 |
12.68 |
6.06 |
5.94 |
8.45 |
15.62 |
14.30 |
13.33 |
33. |
Capital adequacy ratio - Tier I |
12.97 |
12.29 |
3.56 |
3.89 |
8.45 |
6.31 |
14.24 |
13.05 |
34. |
Capital adequacy ratio - Tier II |
0.73 |
0.39 |
2.50 |
2.05 |
|
9.31 |
0.06 |
0.28 |
35. |
Ratio of net NPA to net advances |
4.13 |
6.39 |
14.88 |
12.41 |
3.73 |
2.70 |
7.96 |
7.26 |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Development |
Dhanalakshmi |
Federal |
Ganesh Bank of |
||||||
Credit Bank |
Bank |
Bank |
Kurundwad |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
1. |
Cash-deposit ratio |
10.99 |
6.55 |
13.49 |
9.44 |
6.57 |
6.04 |
12.16 |
12.54 |
2. |
Credit-deposit ratio |
54.23 |
59.21 |
48.97 |
55.42 |
62.34 |
62.44 |
58.60 |
56.56 |
3. |
Investment-deposit ratio |
45.78 |
41.58 |
34.57 |
40.25 |
38.36 |
41.25 |
23.11 |
24.67 |
4. |
(Credit + investment)-deposit ratio |
100.01 |
100.79 |
83.54 |
95.67 |
100.70 |
103.69 |
81.70 |
81.23 |
5. |
Ratio of deposits to total liabilities |
79.82 |
83.16 |
89.51 |
87.87 |
83.99 |
85.02 |
90.94 |
92.32 |
6. |
Ratio of term deposits to total deposits |
81.73 |
83.11 |
82.66 |
79.21 |
81.15 |
77.76 |
77.53 |
76.13 |
7. |
Ratio of priority sector advances to total advances |
33.86 |
34.67 |
28.78 |
30.86 |
29.04 |
35.43 |
46.21 |
49.40 |
8. |
Ratio of term-loans to total advances |
37.61 |
35.85 |
33.96 |
31.01 |
23.63 |
30.19 |
64.04 |
64.83 |
9. |
Ratio of secured advances to total advances |
85.24 |
74.54 |
92.82 |
91.30 |
89.22 |
96.82 |
100.00 |
96.55 |
10. |
Ratio of investments in non-approved securities to total investments |
31.17 |
28.04 |
33.08 |
25.57 |
30.57 |
30.90 |
4.23 |
3.97 |
11. |
Ratio of Interest income to total assets |
10.63 |
9.26 |
10.99 |
10.97 |
11.17 |
11.25 |
11.97 |
11.97 |
12. |
Ratio of net interest margin to total assets |
2.59 |
1.99 |
2.30 |
2.87 |
1.14 |
2.30 |
2.24 |
2.62 |
13. |
Ratio of non-interest income to total assets |
1.53 |
2.36 |
1.04 |
1.66 |
1.47 |
1.69 |
0.96 |
0.66 |
14. |
Ratio of intermediation cost to total assets |
2.68 |
2.13 |
2.31 |
2.31 |
1.97 |
2.26 |
2.62 |
2.40 |
15. |
Ratio of wage bills to intermediation cost |
42.91 |
43.25 |
64.02 |
65.45 |
61.16 |
66.68 |
58.33 |
59.43 |
16. |
Ratio of wage bills to total expenses |
10.72 |
9.80 |
13.46 |
14.52 |
10.04 |
13.44 |
12.36 |
12.13 |
17. |
Ratio of wage bills to total income |
9.45 |
7.93 |
12.31 |
11.96 |
9.53 |
11.65 |
11.81 |
11.28 |
18. |
Ratio of burden to total assets |
1.15 |
-0.23 |
1.28 |
0.65 |
0.50 |
0.57 |
1.66 |
1.74 |
19. |
Ratio of burden to interest income |
10.78 |
-2.48 |
11.61 |
5.90 |
4.48 |
5.09 |
13.85 |
14.54 |
20. |
Ratio of operating profits to total assets |
1.44 |
2.22 |
1.03 |
2.02 |
0.64 |
1.73 |
0.58 |
0.88 |
21. |
Return on assets |
1.13 |
1.18 |
0.28 |
0.71 |
0.04 |
0.62 |
11.90 |
11.55 |
22. |
Return on equity |
9.65 |
12.11 |
5.93 |
16.08 |
0.73 |
13.55 |
1.92 |
3.49 |
23. |
Cost of deposits |
9.46 |
8.13 |
9.49 |
8.98 |
11.23 |
9.49 |
10.22 |
9.87 |
24. |
Cost of borrowings |
5.11 |
7.81 |
0.87 |
2.42 |
1.63 |
3.17 |
22.57 |
25.88 |
25. |
Cost of funds |
9.17 |
8.11 |
9.31 |
8.82 |
10.74 |
9.10 |
10.56 |
10.07 |
26. |
Return on advances |
12.81 |
11.48 |
14.26 |
13.56 |
12.39 |
12.80 |
16.61 |
16.18 |
27. |
Return on investments |
13.13 |
10.18 |
12.82 |
12.23 |
13.05 |
12.09 |
12.44 |
13.26 |
28. |
Return on advances adjusted to cost of funds |
3.65 |
3.37 |
4.95 |
4.74 |
1.65 |
3.70 |
6.06 |
6.11 |
29. |
Return on investments adjusted to cost of funds |
3.97 |
2.07 |
3.51 |
3.41 |
2.31 |
2.98 |
1.88 |
3.20 |
30. |
Business per employee (in Rs. lakh) |
227.82 |
344.00 |
131.17 |
153.66 |
153.00 |
161.00 |
81.76 |
94.77 |
31. |
Profit per employee (in Rs. lakh) |
1.67 |
2.26 |
0.28 |
0.82 |
0.04 |
0.72 |
0.04 |
0.09 |
32. |
Capital adequacy ratio |
16.90 |
11.34 |
10.06 |
10.02 |
10.32 |
11.33 |
8.26 |
9.14 |
33. |
Capital adequacy ratio - Tier I |
16.01 |
10.83 |
8.50 |
7.66 |
6.48 |
7.72 |
4.11 |
4.66 |
34. |
Capital adequacy ratio - Tier II |
0.89 |
0.51 |
1.56 |
2.36 |
3.84 |
3.61 |
4.15 |
4.48 |
35. |
Ratio of net NPA to net advances |
4.79 |
5.86 |
12.33 |
11.08 |
7.53 |
8.56 |
7.03 |
9.93 |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Global Trust |
HDFC |
ICICI |
IDBI |
||||||
Bank |
Bank |
Bank |
Bank |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
1. |
Cash-deposit ratio |
11.56 |
8.29 |
10.00 |
10.08 |
7.67 |
7.32 |
9.29 |
11.46 |
2. |
Credit-deposit ratio |
51.71 |
51.80 |
48.04 |
39.90 |
34.75 |
37.07 |
39.05 |
46.42 |
3. |
Investment-deposit ratio |
47.89 |
47.20 |
65.31 |
68.21 |
47.11 |
44.77 |
58.77 |
61.60 |
4. |
(Credit + investment)-deposit ratio |
99.60 |
99.00 |
113.35 |
108.10 |
81.86 |
81.84 |
97.83 |
108.02 |
5. |
Ratio of deposits to total liabilities |
78.78 |
82.31 |
67.01 |
72.30 |
86.98 |
81.72 |
80.47 |
76.42 |
6. |
Ratio of term deposits to total deposits |
87.72 |
81.61 |
54.44 |
53.67 |
86.77 |
78.50 |
74.54 |
82.55 |
7. |
Ratio of priority sector advances to total advances |
24.21 |
21.91 |
14.24 |
17.42 |
22.64 |
13.60 |
23.92 |
21.18 |
8. |
Ratio of term-loans to total advances |
26.30 |
24.89 |
43.04 |
39.35 |
12.87 |
10.35 |
26.90 |
35.04 |
9. |
Ratio of secured advances to total advances |
96.66 |
99.48 |
62.48 |
93.90 |
89.23 |
79.41 |
90.64 |
80.10 |
10. |
Ratio of investments in non-approved securities to total investments |
46.03 |
40.65 |
46.72 |
43.82 |
46.62 |
36.27 |
52.70 |
51.39 |
11. |
Ratio of Interest income to total assets |
10.94 |
10.15 |
10.48 |
8.50 |
10.60 |
8.95 |
10.50 |
10.69 |
12. |
Ratio of net interest margin to total assets |
1.18 |
2.19 |
4.09 |
3.82 |
2.31 |
1.95 |
2.28 |
2.30 |
13. |
Ratio of non-interest income to total assets |
3.26 |
3.66 |
1.90 |
1.57 |
1.74 |
2.04 |
1.03 |
1.39 |
14. |
Ratio of intermediation cost to total assets |
2.11 |
1.95 |
2.47 |
2.14 |
1.62 |
1.61 |
1.93 |
1.58 |
15. |
Ratio of wage bills to intermediation cost |
13.90 |
14.63 |
24.85 |
28.32 |
21.92 |
23.72 |
19.95 |
22.47 |
16. |
Ratio of wage bills to total expenses |
2.47 |
2.87 |
6.94 |
8.89 |
3.58 |
4.43 |
3.79 |
3.56 |
17. |
Ratio of wage bills to total income |
2.06 |
2.06 |
4.97 |
6.03 |
2.87 |
3.47 |
3.34 |
2.94 |
18. |
Ratio of burden to total assets |
-1.15 |
-1.71 |
0.58 |
0.58 |
-0.12 |
-0.43 |
0.90 |
0.19 |
19. |
Ratio of burden to interest income |
-10.51 |
-16.83 |
5.51 |
6.77 |
-1.11 |
-4.78 |
8.60 |
1.78 |
20. |
Ratio of operating profits to total assets |
2.33 |
3.90 |
3.51 |
3.24 |
2.43 |
2.38 |
1.38 |
0.28 |
21. |
Return on assets |
1.36 |
1.44 |
1.89 |
1.84 |
0.91 |
0.87 |
0.90 |
1.35 |
22. |
Return on equity |
26.64 |
26.54 |
22.76 |
19.14 |
22.04 |
14.45 |
17.99 |
25.58 |
23. |
Cost of deposits |
11.08 |
8.62 |
6.89 |
5.05 |
8.55 |
7.28 |
8.62 |
8.80 |
24. |
Cost of borrowings |
5.66 |
5.83 |
15.97 |
6.89 |
10.41 |
6.81 |
9.54 |
10.31 |
25. |
Cost of funds |
10.73 |
8.40 |
7.71 |
5.31 |
8.63 |
7.26 |
8.71 |
9.00 |
26. |
Return on advances |
15.09 |
14.26 |
12.77 |
11.21 |
13.96 |
12.06 |
13.97 |
12.93 |
27. |
Return on investments |
11.45 |
10.11 |
12.05 |
9.59 |
10.73 |
11.26 |
11.67 |
12.59 |
28. |
Return on advances adjusted to cost of funds |
4.36 |
5.87 |
5.06 |
5.90 |
5.33 |
4.80 |
5.26 |
3.93 |
29. |
Return on investments adjusted to cost of funds |
0.73 |
1.72 |
4.34 |
4.27 |
2.11 |
3.99 |
2.96 |
3.59 |
30. |
Business per employee (in Rs. lakh) |
690.00 |
855.00 |
522.00 |
942.00 |
513.91 |
594.99 |
913.06 |
923.01 |
31. |
Profit per employee (in Rs. lakh) |
9.00 |
12.00 |
9.96 |
9.60 |
7.11 |
7.83 |
7.34 |
11.15 |
32. |
Capital adequacy ratio |
11.97 |
13.68 |
11.86 |
12.19 |
11.06 |
19.64 |
11.26 |
11.80 |
33. |
Capital adequacy ratio - Tier I |
7.62 |
9.85 |
8.34 |
9.56 |
7.32 |
17.42 |
11.21 |
8.43 |
34. |
Capital adequacy ratio - Tier II |
4.35 |
3.83 |
3.52 |
2.63 |
3.74 |
2.22 |
0.05 |
3.37 |
35. |
Ratio of net NPA to net advances |
2.15 |
0.87 |
1.08 |
0.77 |
2.88 |
1.53 |
1.28 |
1.95 |
Source : Compiled from annual accounts of banks of respective years. |