(per cent)

As on March 31

DBS Bank

Deutsche Bank

Dresdner Bank

Hongkong & Shanghai Bank

Ratios

2001

2002

2001

2002

2001

2002

2001

2002

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

1. Cash-deposit ratio

12.91

5.20

6.70

5.79

13.32

307.88

5.62

5.09

2. Credit-deposit ratio

223.19

179.29

90.31

76.24

244.53

-

62.77

63.49

3. Investment-deposit ratio

126.83

93.28

104.64

75.16

139.79

26.16

58.21

50.84

4. (Credit + investment)-deposit ratio

350.02

272.57

194.95

151.40

384.32

26.16

120.97

114.33

5. Ratio of deposits to total liabilities

18.09

24.92

42.07

45.11

15.47

7.39

63.81

64.48

6. Ratio of term deposits to total deposits

96.04

97.34

56.67

48.08

79.85

-

69.00

69.45

7. Ratio of priority sector advances to total advances

16.38

15.44

31.05

28.24

24.31

20.06

16.29

8. Ratio of term-loans to total advances

51.86

39.55

9.13

9.78

26.01

61.40

43.83

9. Ratio of secured advances to total advances

88.66

91.68

56.65

58.65

77.73

73.68

76.69

10. Ratio of investments in non-approved securities to total investments

30.67

27.42

44.39

35.59

11.87

-

37.23

27.77

11. Ratio of Interest income to total assets

10.44

8.55

10.60

8.16

13.67

1.40

9.34

8.63

12. Ratio of net interest margin to total assets

3.34

3.34

5.57

3.76

4.93

0.65

3.34

2.89

13. Ratio of non-interest income to total assets

1.94

2.07

4.87

4.05

-0.16

1.59

2.80

2.75

14. Ratio of intermediation cost to total assets

1.85

1.65

4.23

3.43

8.56

8.12

2.94

2.89

15. Ratio of wage bills to intermediation cost

35.74

39.88

30.50

33.48

34.46

6.75

35.74

30.77

16. Ratio of wage bills to total expenses

7.39

9.59

13.94

14.66

17.05

6.18

11.74

10.31

17. Ratio of wage bills to total income

5.34

6.19

8.34

9.40

21.83

18.33

8.65

7.82

18. Ratio of burden to total assets

-0.09

-0.42

-0.64

-0.62

8.72

6.53

0.14

0.14

19. Ratio of burden to interest income

-0.85

-4.94

-6.01

-7.65

63.80

467.28

1.47

1.61

20. Ratio of operating profits to total assets

3.43

3.77

6.21

4.38

-3.79

-5.88

3.20

2.75

21. Return on assets

1.58

2.01

1.71

2.24

-24.38

-8.78

1.29

0.87

22. Return on equity

11.18

14.94

16.00

18.39

-74.04

-12.23

20.83

14.35

23. Cost of deposits

7.56

6.55

4.90

3.87

13.87

0.49

7.02

6.24

24. Cost of borrowings

8.93

6.12

7.27

6.99

23.77

3.35

6.42

7.98

25. Cost of funds

8.64

6.23

5.99

5.34

17.96

2.22

6.89

6.65

26. Return on advances

12.37

13.33

11.36

9.77

18.17

1.50

11.42

10.10

27. Return on investments

12.73

10.14

10.76

10.13

15.62

5.16

11.76

12.07

28. Return on advances adjusted to cost of funds

3.73

7.10

5.36

4.43

0.22

-0.72

4.54

3.45

29. Return on investments adjusted to cost of funds

4.09

3.91

4.77

4.79

-2.33

2.94

4.87

5.42

30. Business per employee (in Rs. lakh)

830.89

1238.00

835.25

986.22

29.68

0.00

528.67

595.80

31. Profit per employee (in Rs. lakh)

22.48

36.00

17.81

27.95

-4.13

0.00

6.62

5.00

32. Capital adequacy ratio

15.93

13.31

12.67

14.55

10.66

39.00

12.37

10.92

33. Capital adequacy ratio - Tier I

15.56

12.73

12.51

13.67

10.66

39.00

8.63

7.47

34. Capital adequacy ratio - Tier II

0.37

0.58

0.16

0.88

-

-

3.74

3.45

35. Ratio of net NPA to net advances

-

0.4

-

-

29.45

-

0.99

2.27

Source: Compiled from annual accounts of banks of respective years.

(per cent)

As on March 31

ING Bank

JP Morgan Chase Bank#

KBC Bank

Krung Thai Bank

Ratios

2001

2002

2001

2002

2001

2002

2001

2002

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

1. Cash-deposit ratio

3.83

5.29

24.16

5.61

4.70

13.70

5.69

6.77

2. Credit-deposit ratio

26.69

32.32

-

4.90

28.04

0.03

196.65

229.87

3. Investment-deposit ratio

94.93

147.61

345.71

219.48

61.76

17.04

60.35

100.92

4. (Credit + investment)-deposit ratio

121.62

179.94

345.71

224.38

89.80

17.07

257.01

330.79

5. Ratio of deposits to total liabilities

54.41

41.74

12.56

17.57

59.64

70.69

15.93

9.53

6. Ratio of term deposits to total deposits

87.14

92.28

100.00

85.78

99.18

100.00

99.26

2.31

7. Ratio of priority sector advances to total advances

14.43

25.33

-

26.25

-

-

-

8. Ratio of term-loans to total advances

72.25

71.96

100.00

80.81

100.00

-

9.41

9. Ratio of secured advances to total advances

95.78

76.38

100.00

14.28

75.00

23.68

64.58

10. Ratio of investments in non-approved securities to total investments

80.33

64.53

29.25

18.58

36.93

-

71.93

32.83

11. Ratio of Interest income to total assets

4.96

5.72

7.46

6.14

15.25

4.78

9.75

8.25

12. Ratio of net interest margin to total assets

1.54

1.15

2.06

3.21

3.66

-3.24

8.54

7.60

13. Ratio of non-interest income to total assets

2.65

3.11

3.54

11.88

-0.12

1.84

1.10

0.65

14. Ratio of intermediation cost to total assets

6.67

4.19

5.22

7.04

2.64

2.62

4.55

4.11

15. Ratio of wage bills to intermediation cost

39.19

50.54

62.32

42.91

58.27

53.25

19.09

23.37

16. Ratio of wage bills to total expenses

25.90

24.20

30.63

30.29

10.82

13.09

15.08

20.18

17. Ratio of wage bills to total income

34.40

23.98

29.59

16.75

10.18

21.04

8.01

10.78

18. Ratio of burden to total assets

4.03

1.08

1.68

-4.84

2.76

0.77

3.45

3.45

19. Ratio of burden to interest income

81.26

18.84

22.57

-78.81

18.10

16.19

35.39

41.85

20. Ratio of operating profits to total assets

-2.49

0.08

0.37

8.05

0.90

-4.02

5.09

4.15

21. Return on assets

-3.96

-0.44

0.25

3.18

0.30

-6.34

2.21

0.03

22. Return on equity

-18.54

-3.27

0.81

7.89

2.12

-24.38

2.86

0.03

23. Cost of deposits

6.05

4.75

5.39

9.20

12.94

8.69

6.57

4.08

24. Cost of borrowings

3.82

8.17

13.81

4.90

7.83

1.17

5.99

2.33

25. Cost of funds

5.02

6.05

11.71

6.34

11.72

7.22

6.51

3.83

26. Return on advances

13.08

13.77

..

103.83

18.89

5.87

11.85

8.42

27. Return on investments

2.58

5.80

14.30

12.35

21.30

8.46

7.88

10.72

28. Return on advances adjusted to cost of funds

8.06

7.72

..

97.50

7.17

-1.35

5.35

4.58

29. Return on investments adjusted to cost of funds

-2.44

-0.25

2.60

6.01

9.58

1.24

1.37

6.89

30. Business per employee (in Rs. lakh)

409.54

415.47

217.39

223.86

910.59

376.00

174.86

126.73

31. Profit per employee (in Rs. lakh)

-23.56

-3.32

4.24

38.61

4.29

-95.43

9.88

0.12

32. Capital adequacy ratio

15.00

12.47

79.00

85.88

23.01

96.75

148.99

167.65

33. Capital adequacy ratio - Tier I

15.00

12.39

79.00

85.21

22.86

96.75

148.75

166.21

34. Capital adequacy ratio - Tier II

-

0.08

-

0.67

0.15

-

0.24

1.44

35. Ratio of net NPA to net advances

5.94

26.82

-

-

0.24

-

-

35.36

# : See 'Explanatory Nots'.

Source: Compiled from annual accounts of banks of respective years.

(per cent)

As on March 31

Mashreq Bank

Mizuho Corporate Bank#

Oman International Bank

Overseas Chinese Bank

Ratios

2001

2002

2001

2002

2001

2002

2001

2002

(57)

(58)

(59)

(60)

(61)

(62)

(63)

(64)

1. Cash-deposit ratio

3.89

3.50

3.10

1.89

3.75

5.38

4.23

74.12

2. Credit-deposit ratio

26.48

22.78

133.02

145.32

29.35

11.14

118.56

625.17

3. Investment-deposit ratio

80.20

87.43

47.48

37.83

27.85

30.91

99.04

1799.29

4. (Credit + investment)-deposit ratio

106.68

110.21

180.50

183.15

57.19

42.05

217.60

2424.46

5. Ratio of deposits to total liabilities

82.29

76.83

46.40

44.59

65.78

65.66

17.15

1.16

6. Ratio of term deposits to total deposits

89.80

89.65

98.05

98.57

88.47

89.16

93.10

29.94

7. Ratio of priority sector advances to total advances

25.32

20.96

19.45

12.15

12.34

25.70

10.91

-

8. Ratio of term-loans to total advances

9.26

2.12

20.26

9.10

51.38

44.43

56.01

-

9. Ratio of secured advances to total advances

88.84

91.40

59.07

38.43

75.48

92.60

100.00

73.62

10. Ratio of investments in non-approved securities to total investments

58.70

61.67

100.00

100.00

-

-

38.34

38.37

11. Ratio of Interest income to total assets

10.00

11.01

10.76

8.88

6.38

4.62

9.41

7.36

12. Ratio of net interest margin to total assets

1.32

2.18

3.02

2.34

-0.51

-2.05

8.10

6.86

13. Ratio of non-interest income to total assets

1.63

2.88

1.22

1.09

1.74

1.11

1.49

0.89

14. Ratio of intermediation cost to total assets

2.45

1.85

2.61

2.26

1.32

1.21

5.62

14.17

15. Ratio of wage bills to intermediation cost

36.97

35.34

35.75

41.20

28.47

34.84

35.68

12.90

16. Ratio of wage bills to total expenses

8.16

6.12

9.00

10.59

4.58

5.36

28.91

12.46

17. Ratio of wage bills to total income

7.81

4.70

7.77

9.36

4.63

7.36

18.39

22.17

18. Ratio of burden to total assets

0.83

-1.03

1.38

1.17

-0.42

0.10

4.13

13.28

19. Ratio of burden to interest income

8.30

-9.34

12.86

13.19

-6.62

2.14

43.88

180.54

20. Ratio of operating profits to total assets

0.49

3.21

1.64

1.16

-0.09

-2.15

3.97

-6.42

21. Return on assets

-3.10

1.59

-3.53

-1.57

-

-5.80

0.74

-

22. Return on equity

-56.79

24.68

-14.57

-7.21

-24.18

-21.45

1.04

-4.23

23. Cost of deposits

8.18

9.31

11.62

11.23

9.67

9.49

6.29

4.95

24. Cost of borrowings

11.09

13.89

8.83

4.36

6.93

8.83

2.25

..

25. Cost of funds

8.56

9.83

10.33

8.41

9.48

9.45

5.64

4.95

26. Return on advances

14.46

15.56

13.19

10.24

8.01

6.11

13.11

9.54

27. Return on investments

9.77

10.88

10.75

10.73

9.91

10.20

11.63

11.65

28. Return on advances adjusted to cost of funds

5.90

5.73

2.86

1.83

-1.46

-3.34

7.47

4.60

29. Return on investments adjusted to cost of funds

1.21

1.05

0.42

2.31

0.43

0.75

6.00

6.70

30. Business per employee (in Rs. lakh)

574.51

457.17

544.00

570.51

938.40

961.83

211.05

38.52

31. Profit per employee (in Rs. lakh)

-38.24

20.97

-25.01

-11.80

-

-45.39

4.44

-

32. Capital adequacy ratio

10.54

20.54

18.38

11.14

14.21

18.86

168.11

192.12

33. Capital adequacy ratio - Tier I

10.42

20.31

18.21

11.01

12.82

17.28

167.82

191.78

34. Capital adequacy ratio - Tier II

0.12

0.23

0.17

0.13

1.39

1.58

0.29

0.34

35. Ratio of net NPA to net advances

13.39

0.00

3.24

4.75

37.11

41.52

18.44

100.00

# : See 'Explanatory Nots'.

Source: Compiled from annual accounts of banks of respective years.

(per cent)

As on March 31

Sakura Bank#

Siam Commercial Bank

Societe Generale

Sonali Bank

Ratios

2001

2002

2001

2002

2001

2002

2001

2002

(65)

(66)

(67)

(68)

(69)

(70)

(71)

(72)

1. Cash-deposit ratio

26.37

12.34

2.22

4.97

7.84

13.70

6.51

2. Credit-deposit ratio

151.13

269.18

407.52

83.63

111.63

12.62

53.74

3. Investment-deposit ratio

58.09

93.15

141.25

94.33

109.21

11.93

30.47

4. (Credit + investment)-deposit ratio

209.23

362.33

548.76

177.96

220.84

24.56

84.21

5. Ratio of deposits to total liabilities

39.12

22.40

15.39

34.03

24.06

60.37

48.24

6. Ratio of term deposits to total deposits

86.00

88.67

94.47

84.34

76.45

13.21

22.75

7. Ratio of priority sector advances to total advances

22.55

12.75

10.04

21.20

21.22

0.76

79.88

8. Ratio of term-loans to total advances

34.12

40.26

35.16

17.32

14.14

-

-

9. Ratio of secured advances to total advances

90.45

100.00

58.38

82.27

74.45

2.38

100.00

10. Ratio of investments in non-approved securities to total investments

13.61

25.52

17.43

28.21

45.02

13.46

7.65

11. Ratio of Interest income to total assets

12.17

8.43

5.09

7.30

6.96

3.08

3.23

12. Ratio of net interest margin to total assets

4.59

1.71

-0.59

1.28

1.09

1.90

1.40

13. Ratio of non-interest income to total assets

0.91

1.30

0.38

2.10

1.39

7.21

8.02

14. Ratio of intermediation cost to total assets

1.98

3.42

1.41

2.78

2.60

4.25

6.07

15. Ratio of wage bills to intermediation cost

31.63

11.44

24.54

41.24

44.78

56.91

49.33

16. Ratio of wage bills to total expenses

6.54

3.86

4.89

13.02

13.76

44.53

37.91

17. Ratio of wage bills to total income

4.78

4.02

6.34

12.19

13.96

23.48

26.62

18. Ratio of burden to total assets

1.07

2.12

1.03

0.68

1.22

-2.97

-1.95

19. Ratio of burden to interest income

8.76

25.18

20.28

9.34

17.48

-96.35

-60.23

20. Ratio of operating profits to total assets

3.52

-0.41

-1.62

0.60

-0.12

4.86

3.35

21. Return on assets

-2.11

-2.28

-33.38

0.04

-2.18

5.87

1.40

22. Return on equity

-11.60

-8.78

-480.79

0.29

-16.67

29.75

11.12

23. Cost of deposits

6.06

13.76

18.51

7.23

9.95

1.35

1.82

24. Cost of borrowings

11.98

8.95

4.82

7.00

5.41

..

684.84

25. Cost of funds

9.60

11.31

8.82

7.12

7.01

1.36

3.33

26. Return on advances

14.47

9.32

4.56

10.26

10.38

15.66

9.18

27. Return on investments

9.73

10.60

8.59

8.52

11.32

12.72

11.11

28. Return on advances adjusted to cost of funds

4.88

-1.99

-4.26

3.14

3.37

14.30

5.85

29. Return on investments adjusted to cost of funds

0.13

-0.72

-0.23

1.40

4.32

11.36

7.78

30. Business per employee (in Rs. lakh)

608.14

941.20

1731.19

475.50

340.60

66.83

59.93

31. Profit per employee (in Rs. lakh)

-14.83

-25.89

-739.67

0.30

-15.40

5.77

2.96

32. Capital adequacy ratio

16.21

33.23

-13.33

13.93

12.85

88.14

113.64

33. Capital adequacy ratio - Tier I

16.07

33.05

-13.51

13.28

11.60

88.14

113.64

34. Capital adequacy ratio - Tier II

0.14

0.18

0.18

0.65

1.25

-

-

35. Ratio of net NPA to net advances

1.03

39.18

71.95

7.27

0.52

-

1.58

# : See 'Explanatory Nots'.

Source: Compiled from annual accounts of banks of respective years.

(per cent)

As on March 31

Standard Chartered Bank

Standard Chartered Grindlays Bank

State Bank of Mauritius

Ratios

2001

2002

2001

2002

2001

2002

(73)

(74)

(75)

(76)

(77)

(78)

1. Cash-deposit ratio

7.67

8.22

7.43

5.33

11.31

5.69

2. Credit-deposit ratio

101.93

124.70

45.28

18.00

115.75

107.80

3. Investment-deposit ratio

106.15

96.87

48.60

26.68

64.73

71.55

4. (Credit + investment)-deposit ratio

208.08

221.57

93.88

44.68

180.48

179.35

5. Ratio of deposits to total liabilities

41.25

38.30

67.77

78.95

44.71

46.75

6. Ratio of term deposits to total deposits

62.54

62.28

57.52

53.85

93.74

85.91

7. Ratio of priority sector advances to total advances

27.63

20.36

3.59

1.86

22.99

27.62

8. Ratio of term-loans to total advances

25.97

58.62

66.42

72.03

38.06

40.89

9. Ratio of secured advances to total advances

52.90

55.35

65.55

55.06

87.25

97.08

10. Ratio of investments in non-approved securities to total investments

41.74

42.27

34.10

14.90

21.92

19.19

11. Ratio of Interest income to total assets

10.50

10.53

10.78

8.55

9.29

8.64

12. Ratio of net interest margin to total assets

4.29

4.55

5.25

3.48

3.17

2.52

13. Ratio of non-interest income to total assets

2.80

3.31

1.74

2.55

1.62

2.84

14. Ratio of intermediation cost to total assets

3.48

2.88

4.24

3.78

0.87

1.10

15. Ratio of wage bills to intermediation cost

26.56

31.71

38.89

47.79

25.72

34.85

16. Ratio of wage bills to total expenses

9.54

10.31

16.89

20.44

3.19

5.33

17. Ratio of wage bills to total income

6.95

6.60

13.18

16.30

2.04

3.35

18. Ratio of burden to total assets

0.68

-0.43

2.50

1.23

-0.75

-1.73

19. Ratio of burden to interest income

6.46

-4.07

23.22

14.44

-8.06

-20.06

20. Ratio of operating profits to total assets

3.61

4.98

2.75

2.25

3.91

4.25

21. Return on assets

3.14

2.17

3.14

2.48

1.05

0.85

22. Return on equity

25.01

35.87

7.99

28.53

4.38

2.96

23. Cost of deposits

7.00

5.83

5.77

5.35

9.21

10.05

24. Cost of borrowings

6.96

7.36

6.87

5.93

8.09

6.91

25. Cost of funds

6.98

6.67

5.93

5.44

8.69

9.02

26. Return on advances

14.67

14.03

14.57

12.35

11.58

10.84

27. Return on investments

8.97

10.01

13.14

12.39

9.00

8.58

28. Return on advances adjusted to cost of funds

7.69

7.36

8.64

6.91

2.89

1.82

29. Return on investments adjusted to cost of funds

1.99

3.35

7.22

6.96

0.31

-0.44

30. Business per employee (in Rs. lakh)

617.78

801.00

618.00

850.00

1292.10

1012.00

31. Profit per employee (in Rs. lakh)

11.21

20.00

11.00

23.00

14.10

8.80

32. Capital adequacy ratio

9.60

9.28

12.52

13.08

30.78

46.78

33. Capital adequacy ratio - Tier I

6.70

6.90

6.90

6.54

30.55

46.20

34. Capital adequacy ratio - Tier II

2.90

2.38

5.62

6.54

0.23

0.58

35. Ratio of net NPA to net advances

1.53

0.40

0.41

0.59

18.93

16.30

# : See 'Explanatory Nots'.

Source: Compiled from annual accounts of banks of respective years.

(per cent)

As on March 31

Sumitomo Mitsui Bank#

Toronto Dominion Bank

UFJ Bank#

Ratios

2001

2002

2001

2002

2001

2002

(79)

(80)

(81)

(82)

(83)

(84)

1. Cash-deposit ratio

3.54

21.35

269.63

11.75

7.36

2. Credit-deposit ratio

103.91

158.53

3636.45

224.93

108.41

3. Investment-deposit ratio

30.70

106.84

1301.93

113.65

61.32

4. (Credit + investment)-deposit ratio

134.61

265.37

4938.38

338.57

169.74

5. Ratio of deposits to total liabilities

67.20

31.94

1.73

-

26.96

50.04

6. Ratio of term deposits to total deposits

97.10

66.74

100.00

59.92

83.82

7. Ratio of priority sector advances to total advances

35.61

24.17

23.02

23.32

28.23

27.78

8. Ratio of term-loans to total advances

88.55

33.95

76.98

76.68

35.34

32.47

9. Ratio of secured advances to total advances

87.11

87.12

100.00

100.00

79.34

80.23

10. Ratio of investments in non-approved securities to total investments

100.00

34.49

35.73

1.61

31.73

29.10

11. Ratio of Interest income to total assets

9.94

18.66

14.00

10.16

9.11

10.03

12. Ratio of net interest margin to total assets

2.53

7.10

9.51

9.90

4.23

4.45

13. Ratio of non-interest income to total assets

0.85

2.00

1.82

-0.10

1.51

0.97

14. Ratio of intermediation cost to total assets

2.67

4.35

3.12