Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000 (Part 4 of 6) - આરબીઆઈ - Reserve Bank of India
Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000
(Part 4 of 6)
OTHER SCHEDULED COMMERCIAL BANKS |
| | | | | | | | | (per cent) |
Year ended March 31 | |||||||||
IndusInd | Jammu & Kashmir | Karnataka | Karur Vysya | ||||||
Bank | Bank | Bank | Bank | ||||||
Ratio | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |
| | (33) | (34) | (35) | (36) | (37) | (38) | (39) | (40) |
1. | Cash-deposit ratio | 7.48 | 5.65 | 12.00 | 14.88 | 10.39 | 10.21 | 10.06 | 9.13 |
2. | Credit-deposit ratio | 53.05 | 56.17 | 45.79 | 37.34 | 46.70 | 47.38 | 57.05 | 58.48 |
3. | Investment-deposit ratio | 41.75 | 41.73 | 45.79 | 45.15 | 40.51 | 39.87 | 40.15 | 38.32 |
4. | (Credit + investment)-deposit ratio | 94.80 | 97.90 | 91.58 | 82.49 | 87.21 | 87.25 | 97.20 | 96.80 |
5. | Ratio of deposits to total liabilities | 81.36 | 81.86 | 85.70 | 89.21 | 89.93 | 90.11 | 81.33 | 82.52 |
6. | Ratio of term deposits to total deposits | 86.97 | 84.64 | 63.39 | 63.73 | 80.48 | 78.82 | 80.32 | 79.81 |
7. | Ratio of priority sector advances to total advances | 24.56 | 20.18 | 20.67 | 23.09 | 38.18 | 37.37 | 37.98 | 38.85 |
8. | Ratio of term-loans to total advances | 17.78 | 20.78 | 37.13 | 40.06 | 21.95 | 23.64 | 31.93 | 30.03 |
9. | Ratio of secured advances to total advances | 92.77 | 91.79 | 97.87 | 93.87 | 98.16 | 97.01 | 96.76 | 92.45 |
10. | Ratio of investments in non-approved securities to total investments | 27.31 | 22.60 | 26.69 | 34.82 | 31.66 | 32.66 | 27.45 | 38.28 |
11. | Ratio of Interest income to total assets | 10.61 | 9.00 | 10.58 | 9.79 | 11.25 | 10.89 | 11.96 | 12.18 |
12. | Ratio of net interest margin to total assets | 2.05 | 1.92 | 4.01 | 3.17 | 2.66 | 2.15 | 3.21 | 3.99 |
13. | Ratio of non-interest income to total assets | 1.48 | 2.04 | 0.66 | 1.16 | 1.11 | 1.36 | 1.44 | 1.68 |
14. | Ratio of intermediation cost to total assets | 1.56 | 1.27 | 2.04 | 1.76 | 2.11 | 1.99 | 2.47 | 2.50 |
15. | Ratio of wage bills to intermediation cost | 12.93 | 13.27 | 63.53 | 56.36 | 69.74 | 71.26 | 58.88 | 62.89 |
16. | Ratio of wage bills to total expenses | 1.99 | 2.02 | 15.06 | 11.86 | 13.74 | 13.22 | 12.97 | 14.70 |
17. | Ratio of wage bills to total income | 1.67 | 1.53 | 11.55 | 9.08 | 11.90 | 11.58 | 10.86 | 11.33 |
18. | Ratio of burden to total assets | 0.08 | -0.77 | 1.39 | 0.60 | 1.00 | 0.63 | 1.03 | 0.81 |
19. | Ratio of burden to interest income | 0.72 | -8.56 | 13.10 | 6.14 | 8.92 | 5.78 | 8.61 | 6.68 |
20. | Ratio of operating profits to total assets | 1.97 | 2.69 | 2.62 | 2.57 | 1.66 | 1.52 | 2.18 | 3.18 |
21. | Return on assets | 0.60 | 0.70 | 1.14 | 1.13 | 0.97 | 1.10 | 1.19 | 1.90 |
22. | Return on equity | 7.06 | 10.55 | 24.28 | 25.13 | 17.34 | 20.31 | 20.81 | 31.25 |
23. | Cost of deposits | 9.25 | 7.72 | 7.57 | 7.22 | 9.17 | 9.35 | 9.86 | 9.10 |
24. | Cost of borrowings | 6.58 | 6.16 | 1.89 | 22.23 | 5.89 | 6.86 | 4.43 | 3.55 |
25. | Cost of funds | 9.12 | 7.60 | 7.46 | 7.43 | 9.08 | 9.28 | 9.51 | 8.68 |
26. | Return on advances | 13.78 | 10.24 | 13.36 | 11.77 | 14.10 | 13.41 | 14.85 | 14.33 |
27. | Return on investments | 11.38 | 11.77 | 12.63 | 12.24 | 12.60 | 12.66 | 14.13 | 13.84 |
28. | Return on advances adjusted to cost of funds | 4.66 | 2.64 | 5.90 | 4.34 | 5.02 | 4.13 | 5.34 | 5.65 |
29. | Return on investments adjusted to cost of funds | 2.26 | 4.17 | 5.16 | 4.81 | 3.52 | 3.38 | 4.62 | 5.16 |
30. | Business per employee (in Rs. Lakh) | 1506.19 | 2004.70 | 137.00 | 175.00 | 156.29 | 177.68 | 137.00 | 169.00 |
31. | Profit per employee (in Rs. lakh) | 8.46 | 13.23 | 1.36 | 1.91 | 1.08 | 1.43 | 1.39 | 2.60 |
32. | Capital adequacy ratio | 15.16 | 13.24 | 24.48 | 18.82 | 10.85 | 11.04 | 14.53 | 15.16 |
33. | Capital adequacy ratio - Tier I | 15.11 | 12.09 | 19.46 | 15.51 | 10.62 | 10.64 | 13.28 | 14.48 |
34. | Capital adequacy ratio - Tier II | 0.05 | 1.15 | 5.02 | 3.31 | 0.23 | 0.40 | 1.25 | 0.68 |
35. | Ratio of net NPA to net advances | 7.20 | 5.98 | 3.79 | 3.22 | 4.99 | 5.73 | 4.35 | 3.77 |
| | | | | | | | | (per cent) |
Year ended March 31 | |||||||||
Lakshmi Vilas | Lord Krishna | Nainital | Nedungadi | ||||||
Bank | Bank | Bank | Bank | ||||||
Ratio | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |
| | (41) | (42) | (43) | (44) | (45) | (46) | (47) | (48) |
1. | Cash-deposit ratio | 12.29 | 10.00 | 16.97 | 7.21 | 12.11 | 10.52 | 10.13 | 10.56 |
2. | Credit-deposit ratio | 57.16 | 58.57 | 55.05 | 55.05 | 22.81 | 22.28 | 54.51 | 49.98 |
3. | Investment-deposit ratio | 37.21 | 39.09 | 36.97 | 41.33 | 42.79 | 46.71 | 40.36 | 34.59 |
4. | (Credit + investment)-deposit ratio | 94.38 | 97.67 | 92.02 | 96.37 | 65.61 | 68.99 | 94.88 | 84.57 |
5. | Ratio of deposits to total liabilities | 84.74 | 84.93 | 84.35 | 85.03 | 92.75 | 92.70 | 90.45 | 91.32 |
6. | Ratio of term deposits to total deposits | 72.57 | 72.34 | 84.27 | 84.14 | 50.04 | 54.82 | 80.98 | 81.70 |
7. | Ratio of priority sector advances to total advances | 36.33 | 42.55 | 23.44 | 17.87 | 50.45 | 52.63 | 38.05 | 31.46 |
8. | Ratio of term-loans to total advances | 26.86 | 23.27 | 18.46 | 36.51 | 20.38 | 21.85 | 29.89 | 23.13 |
9. | Ratio of secured advances to total advances | 93.75 | 90.44 | 96.37 | 99.13 | 99.81 | 99.19 | 96.05 | 92.69 |
10. | Ratio of investments in non-approved securities to total investments | 36.22 | 39.94 | 30.51 | 22.82 | 24.42 | 33.37 | 20.47 | 21.53 |
11. | Ratio of Interest income to total assets | 10.60 | 10.62 | 12.16 | 10.63 | 11.19 | 10.50 | 13.11 | 11.35 |
12. | Ratio of net interest margin to total assets | 2.46 | 2.86 | 1.51 | 1.59 | 4.46 | 4.22 | 2.97 | 3.14 |
13. | Ratio of non-interest income to total assets | 2.19 | 2.85 | 1.72 | 2.07 | 0.52 | 0.59 | 1.52 | 1.64 |
14. | Ratio of intermediation cost to total assets | 3.28 | 3.07 | 2.33 | 2.07 | 2.91 | 2.94 | 3.33 | 3.05 |
15. | Ratio of wage bills to intermediation cost | 55.96 | 60.00 | 50.94 | 56.41 | 73.18 | 74.67 | 61.81 | 62.77 |
16. | Ratio of wage bills to total expenses | 16.07 | 16.99 | 9.13 | 10.51 | 22.11 | 23.83 | 15.28 | 17.02 |
17. | Ratio of wage bills to total income | 14.34 | 13.65 | 8.54 | 9.19 | 18.21 | 19.83 | 14.07 | 14.77 |
18. | Ratio of burden to total assets | 1.09 | 0.21 | 0.61 | | 2.39 | 2.36 | 1.81 | 1.42 |
19. | Ratio of burden to interest income | 10.27 | 2.02 | 5.00 | | 21.38 | 22.45 | 13.82 | 12.49 |
20. | Ratio of operating profits to total assets | 1.37 | 1.42 | 0.90 | 1.59 | 2.06 | 1.86 | 1.16 | 1.72 |
21. | Return on assets | 0.85 | 1.30 | 0.16 | 0.70 | 0.79 | 0.95 | 0.62 | 0.84 |
22. | Return on equity | 14.60 | 0.68 | 3.75 | 14.14 | 23.06 | 22.85 | 20.83 | 28.65 |
23. | Cost of deposits | 9.00 | 8.55 | 11.35 | 9.77 | 7.20 | 6.77 | 10.64 | 8.54 |
24. | Cost of borrowings | 12.22 | 11.43 | 0.07 | 0.16 | 66.56 | 24.83 | 10.29 | 8.05 |
25. | Cost of funds | 9.12 | 8.68 | 10.71 | 9.46 | 7.21 | 6.77 | 10.64 | 8.54 |
26. | Return on advances | 13.51 | 13.34 | 15.96 | 13.70 | 14.77 | 13.47 | 16.09 | 13.74 |
27. | Return on investments | 11.63 | 10.83 | 14.21 | 12.26 | 12.66 | 12.35 | 13.70 | 13.85 |
28. | Return on advances adjusted to cost of funds | 4.39 | 4.65 | 5.25 | 4.24 | 7.57 | 6.70 | 5.45 | 5.20 |
29. | Return on investments adjusted to cost of funds | 2.51 | 2.14 | 3.50 | 2.81 | 5.45 | 5.57 | 3.06 | 5.32 |
30. | Business per employee (in Rs. lakh) | 124.58 | 158.00 | 149.00 | 200.00 | 70.13 | 79.05 | 107.92 | 133.34 |
31. | Profit per employee (in Rs. lakh) | 0.73 | 1.37 | 0.18 | 0.93 | 0.50 | 0.69 | 0.53 | 0.91 |
32. | Capital adequacy ratio | 9.64 | 10.45 | 11.85 | 11.25 | 13.81 | 15.11 | 10.24 | 9.04 |
33. | Capital adequacy ratio - Tier I | 9.64 | 8.10 | 9.11 | 9.70 | 12.86 | 14.32 | 6.76 | 5.73 |
34. | Capital adequacy ratio - Tier II | | 2.35 | 2.74 | 1.55 | 0.95 | 0.79 | 3.48 | 3.31 |
35. | Ratio of net NPA to net advances | 6.72 | 5.38 | 20.60 | 13.94 | 2.84 | 0.82 | 12.23 | 15.65 |
| | | | | | | | | (per cent) |
Year ended March 31 | |||||||||
Ratnakar | Sangli | SBI Commercial & | South Indian | ||||||
Bank | Bank | International Bank | Bank | ||||||
Ratio | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |
| | (49) | (50) | (51) | (52) | (53) | (54) | (55) | (56) |
1. | Cash-deposit ratio | 11.85 | 9.27 | 13.19 | 22.27 | 4.82 | 5.60 | 8.47 | 7.51 |
2. | Credit-deposit ratio | 48.49 | 42.78 | 37.85 | 34.66 | 59.29 | 71.61 | 53.31 | 52.02 |
3. | Investment-deposit ratio | 43.67 | 43.38 | 42.59 | 40.53 | 45.60 | 40.43 | 38.42 | 45.01 |
4. | (Credit + investment)-deposit ratio | 92.16 | 86.15 | 80.44 | 75.19 | 104.90 | 112.04 | 91.73 | 97.03 |
5. | Ratio of deposits to total liabilities | 86.08 | 87.42 | 92.42 | 92.61 | 71.88 | 72.63 | 87.17 | 87.44 |
6. | Ratio of term deposits to total deposits | 76.55 | 74.21 | 61.82 | 62.25 | 94.22 | 92.44 | 78.37 | 78.10 |
7. | Ratio of priority sector advances to total advances | 31.62 | 30.20 | 25.80 | 26.21 | 12.64 | 11.80 | 28.42 | 31.97 |
8. | Ratio of term-loans to total advances | 38.65 | 41.40 | 15.21 | 19.61 | 11.59 | 17.98 | 39.12 | 39.07 |
9. | Ratio of secured advances to total advances | 90.72 | 89.40 | 93.69 | 95.15 | 94.74 | 83.81 | 90.00 | 89.38 |
10. | Ratio of investments in non-approved securities to total investments | 41.59 | 38.02 | 29.59 | 31.56 | 7.21 | 13.09 | 23.46 | 15.20 |
11. | Ratio of Interest income to total assets | 11.16 | 11.06 | 9.37 | 9.08 | 11.09 | 10.16 | 12.03 | 11.69 |
12. | Ratio of net interest margin to total assets | 3.40 | 3.15 | 2.86 | 2.79 | 1.33 | 2.14 | 2.65 | 2.95 |
13. | Ratio of non-interest income to total assets | 0.96 | 1.83 | 1.32 | 1.48 | 2.13 | 2.53 | 1.11 | 1.86 |
14. | Ratio of intermediation cost to total assets | 3.16 | 3.34 | 3.15 | 3.04 | 1.21 | 1.23 | 2.70 | 2.80 |
15. | Ratio of wage bills to intermediation cost | 66.52 | 66.03 | 79.21 | 76.75 | 30.48 | 32.36 | 71.00 | 76.74 |
16. | Ratio of wage bills to total expenses | 19.23 | 19.61 | 25.82 | 25.02 | 3.36 | 4.29 | 15.88 | 18.64 |
17. | Ratio of wage bills to total income | 17.32 | 17.13 | 23.33 | 22.08 | 2.79 | 3.13 | 14.60 | 15.88 |
18. | Ratio of burden to total assets | 2.19 | 1.51 | 1.83 | 1.56 | -0.92 | -1.30 | 1.59 | 0.95 |
19. | Ratio of burden to interest income | 19.66 | 13.69 | 19.49 | 17.15 | -8.31 | -12.79 | 13.24 | 8.09 |
20. | Ratio of operating profits to total assets | 1.20 | 1.63 | 1.03 | 1.24 | 2.26 | 3.44 | 1.06 | 2.00 |
21. | Return on assets | 0.92 | 0.83 | 0.35 | 0.36 | 1.59 | 1.84 | 0.17 | 0.58 |
22. | Return on equity | 20.53 | 17.63 | 8.04 | 9.18 | 8.85 | 9.89 | 4.40 | 14.78 |
23. | Cost of deposits | 8.52 | 8.48 | 6.98 | 6.77 | 12.66 | 9.43 | 10.08 | 9.47 |
24. | Cost of borrowings | 7.75 | 15.65 | 25.23 | 6.01 | 13.57 | 20.17 | 5.32 | 5.58 |
25. | Cost of funds | 8.49 | 8.62 | 7.02 | 6.77 | 12.72 | 10.08 | 9.97 | 9.36 |
26. | Return on advances | 15.79 | 14.93 | 11.14 | 10.16 | 12.31 | 11.17 | 15.15 | 14.31 |
27. | Return on investments | 11.68 | 12.36 | 11.12 | 11.05 | 11.42 | 12.05 | 13.44 | 12.73 |
28. | Return on advances adjusted to cost of funds | 7.30 | 6.31 | 4.12 | 3.39 | -0.42 | 1.10 | 5.18 | 4.94 |
29. | Return on investments adjusted to cost of funds | 3.19 | 3.74 | 4.10 | 4.28 | -1.30 | 1.97 | 3.47 | 3.37 |
30. | Business per employee (in Rs. lakh) | 90.47 | 114.75 | 59.38 | 66.82 | 575.38 | 724.99 | 109.00 | 129.00 |
31. | Profit per employee (in Rs. lakh) | 0.55 | 0.64 | 0.20 | 0.24 | 7.21 | 9.63 | 0.15 | 0.64 |
32. | Capital adequacy ratio | 9.72 | 11.56 | 11.58 | 12.13 | 28.90 | 24.32 | 10.40 | 10.41 |
33. | Capital adequacy ratio - Tier I | 8.05 | 10.60 | 7.39 | 8.54 | 28.37 | 24.12 | 8.40 | 8.07 |
34. | Capital adequacy ratio - Tier II | 1.67 | 0.96 | 4.19 | 3.59 | 0.53 | 0.20 | 2.00 | 2.34 |
35. | Ratio of net NPA to net advances | 7.79 | 8.70 | 8.26 | 0.00 | 21.88 | 13.97 | 11.06 | 8.67 |
| | | | | | | | | | (per cent) | |
As on 31st March, 2000 | |||||||||||
Tamilnad | Times | United Western | UTI | Vysya | |||||||
Mercantile | Bank* | Bank | Bank | Bank | |||||||
Bank | | | | | | | | | |||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | ||
| | (57) | (58) | (59) | (60) | (61) | (62) | (63) | (64) | (65) | (66) |
1. | Cash-deposit ratio | 16.54 | 12.72 | 7.69 | 10.20 | 10.05 | 11.12 | 7.01 | 10.16 | 8.24 | |
2. | Credit-deposit ratio | 47.25 | 47.10 | 43.57 | 48.87 | 54.22 | 71.36 | 61.30 | 42.73 | 53.04 | |
3. | Investment-deposit ratio | 43.10 | 46.50 | 34.65 | 34.01 | 31.34 | 36.21 | 36.10 | 37.68 | 36.85 | |
4. | (Credit + investment)-deposit ratio | 90.35 | 93.60 | 78.22 | 82.88 | 85.56 | 107.57 | 97.41 | 80.41 | 89.89 | |
5. | Ratio of deposits to total liabilities | 84.07 | 86.61 | 91.96 | 87.55 | 90.21 | 77.67 | 85.77 | 85.67 | 83.08 | |
6. | Ratio of term deposits to total deposits | 69.46 | 71.90 | 64.24 | 75.78 | 72.21 | 83.17 | 83.01 | 80.94 | 79.36 | |
7. | Ratio of priority sector advances to total advances | 44.27 | 44.00 | 25.23 | 42.47 | 35.84 | 10.82 | 8.64 | 42.36 | 37.46 | |
8. | Ratio of term-loans to total advances | 28.32 | 26.77 | 29.39 | 23.97 | 21.01 | 8.44 | 10.17 | 40.68 | 42.91 | |
9. | Ratio of secured advances to total advances | 97.55 | 97.70 | 91.41 | 89.82 | 85.23 | 99.94 | 90.04 | 91.73 | 75.95 | |
10. | Ratio of investments in non-approved securities to total investments | 43.74 | 50.14 | 35.76 | 32.81 | 34.87 | 30.01 | 33.78 | 38.98 | 36.67 | |
11. | Ratio of Interest income to total assets | 11.26 | 11.29 | 10.04 | 9.73 | 9.60 | 10.53 | 9.13 | 10.21 | 9.60 | |
12. | Ratio of net interest margin to total assets | 3.31 | 3.20 | 1.91 | 2.61 | 2.63 | 2.05 | 1.71 | 1.34 | 1.34 | |
13. | Ratio of non-interest income to total assets | 1.92 | 1.81 | 1.42 | 1.54 | 2.77 | 1.32 | 1.72 | 1.57 | 2.26 | |
14. | Ratio of intermediation cost to total assets | 2.52 | 2.38 | 1.98 | 2.30 | 2.14 | 1.44 | 1.24 | 2.04 | 2.14 | |
15. | Ratio of wage bills to intermediation cost | 61.49 | 61.57 | 26.31 | 69.00 | 70.94 | 23.55 | 23.59 | 59.93 | 55.04 | |
16. | Ratio of wage bills to total expenses | 14.81 | 14.01 | 5.15 | 16.88 | 16.65 | 3.42 | 3.37 | 11.19 | 11.31 | |
17. | Ratio of wage bills to total income | 11.77 | 11.20 | 4.54 | 14.11 | 12.26 | 2.86 | 2.69 | 10.36 | 9.92 | |
18. | Ratio of burden to total assets | 0.60 | 0.57 | 0.56 | 0.76 | -0.64 | 0.12 | -0.49 | 0.47 | -0.12 | |
19. | Ratio of burden to interest income | 5.32 | 5.08 | 5.54 | 7.84 | -6.63 | 1.18 | -5.33 | 4.57 | -1.25 | |
20. | Ratio of operating profits to total assets | 2.71 | 2.63 | 1.35 | 1.85 | 3.26 | 1.93 | 2.20 | 0.87 | 1.46 | |
21. | Return on assets | 1.43 | 1.32 | 0.95 | 0.95 | 1.16 | 0.79 | 0.77 | 0.40 | 0.55 | |
22. | Return on equity | 20.76 | 19.69 | 17.77 | 21.02 | 26.10 | 17.00 | 22.86 | 6.62 | 8.62 | |
23. | Cost of deposits | 9.03 | 9.04 | 8.32 | 7.67 | 7.22 | 9.08 | 7.76 | 9.98 | 9.34 | |
24. | Cost of borrowings | 0.84 | 2.24 | 404.01 | 14.70 | 17.41 | 4.38 | 4.64 | 4.45 | 7.55 | |
25. | Cost of funds | 8.80 | 8.91 | 8.68 | 7.84 | 7.42 | 8.59 | 7.43 | 9.80 | 9.27 | |
26. | Return on advances | 14.22 | 13.47 | 13.20 | 13.57 | 12.44 | 12.47 | 10.45 | 12.13 | 11.43 | |
27. | Return on investments | 14.20 | 14.32 | 12.71 | 10.66 | 11.55 | 11.27 | 9.92 | 11.61 | 11.03 | |
28. | Return on advances adjusted to cost of funds | 5.42 | 4.56 | 4.52 | 5.73 | 5.03 | 3.89 | 3.03 | 2.33 | 2.17 | |
29. | Return on investments adjusted to cost of funds | 5.40 | 5.41 | 4.03 | 2.82 | 4.13 | 2.68 | 2.49 | 1.81 | 1.77 | |
30. | Business per employee (in Rs. lakh) | 141.48 | 180.28 | 730.00 | 139.00 | 179.00 | 1000.00 | 1249.00 | 123.89 | 186.14 | |
31. | Profit per employee (in Rs. lakh) | 1.64 | 1.89 | 5.00 | 1.08 | 1.64 | 6.00 | 6.91 | 0.50 | 0.76 | |
32. | Capital adequacy ratio | 18.40 | 18.02 | 9.97 | 11.64 | 11.94 | 11.64 | 11.37 | 10.63 | 12.24 | |
33. | Capital adequacy ratio - Tier I | 17.15 | 15.99 | 9.97 | 7.99 | 8.55 | 11.60 | 7.99 | 9.27 | 8.20 | |
34. | Capital adequacy ratio - Tier II | 1.25 | 2.03 | | 3.65 | 3.39 | 0.04 | 3.38 | 1.36 | 4.04 | |
35. | Ratio of net NPA to net advances | 5.67 | 5.77 | 3.01 | | 8.28 | 4.83 | 6.32 | 4.71 | 14.31 | 9.11 |
Note * : With effect from 26th February 2000, Times Bank has been merged with HDFC Bank. |
Source : Compiled from annual accounts of banks of respective years. |