Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 4 of 4) - આરબીઆઈ - Reserve Bank of India
Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 4 of 4)
OTHER SCHEDULED COMMERCIAL BANKS |
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Development |
Dhanalakshmi |
Federal Bank |
Ganesh Bank of |
|||||
Credit Bank |
Bank |
Kurundwad |
|||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
||
|
|||||||||
1. |
Cash-deposit ratio |
6.55 |
4.53 |
9.44 |
7.10 |
6.04 |
3.42 |
12.54 |
11.72 |
2. |
Credit-deposit ratio |
59.21 |
60.22 |
55.42 |
58.90 |
62.44 |
63.32 |
56.56 |
51.13 |
3. |
Investment-deposit ratio |
41.58 |
36.67 |
40.25 |
37.50 |
41.25 |
39.60 |
24.67 |
26.35 |
4. |
(Credit + investment)-deposit ratio |
100.79 |
96.89 |
95.67 |
96.40 |
103.69 |
102.92 |
81.23 |
77.47 |
5. |
Ratio of deposits to total liabilities |
83.16 |
86.52 |
87.87 |
88.19 |
85.02 |
86.91 |
92.32 |
93.45 |
6. |
Ratio of term deposits to total deposits |
83.11 |
86.34 |
79.21 |
79.37 |
77.76 |
76.52 |
76.13 |
77.58 |
7. |
Ratio of priority sector advances to total advances |
34.67 |
32.47 |
30.86 |
29.49 |
35.43 |
32.24 |
49.40 |
48.68 |
8. |
Ratio of term-loans to total advances |
35.85 |
45.91 |
31.01 |
31.57 |
30.19 |
31.63 |
64.83 |
66.84 |
9. |
Ratio of secured advances to total advances |
74.54 |
73.89 |
91.30 |
87.59 |
96.82 |
92.40 |
96.55 |
97.90 |
10. |
Ratio of investments in non-approved securities to total investments |
28.04 |
27.24 |
25.57 |
25.92 |
30.90 |
35.98 |
3.97 |
3.15 |
11. |
Ratio of Interest income to total assets |
9.26 |
10.66 |
10.97 |
10.77 |
11.25 |
11.19 |
11.97 |
11.44 |
12. |
Ratio of net interest margin to total assets |
1.99 |
2.38 |
2.87 |
2.42 |
2.30 |
2.89 |
2.62 |
2.26 |
13. |
Ratio of non-interest income to total assets |
2.36 |
1.34 |
1.66 |
1.58 |
1.69 |
1.52 |
0.66 |
0.50 |
14. |
Ratio of intermediation cost to total assets |
2.13 |
1.97 |
2.31 |
2.96 |
2.26 |
2.13 |
2.40 |
2.31 |
15. |
Ratio of wage bills to intermediation cost |
43.25 |
38.60 |
65.45 |
56.88 |
66.68 |
63.36 |
59.43 |
56.91 |
16. |
Ratio of wage bills to total expenses |
9.80 |
7.41 |
14.52 |
14.87 |
13.44 |
12.94 |
12.13 |
11.43 |
17. |
Ratio of wage bills to total income |
7.93 |
6.32 |
11.96 |
13.62 |
11.65 |
10.62 |
11.28 |
11.00 |
18. |
Ratio of burden to total assets |
-0.23 |
0.63 |
0.65 |
1.38 |
0.57 |
0.61 |
1.74 |
1.81 |
19. |
Ratio of burden to interest income |
-2.48 |
5.89 |
5.90 |
12.80 |
5.09 |
5.43 |
14.54 |
15.81 |
20. |
Ratio of operating profits to total assets |
2.22 |
1.76 |
2.02 |
1.04 |
1.73 |
2.28 |
0.88 |
0.45 |
21. |
Return on assets |
1.18 |
0.87 |
0.71 |
0.40 |
0.62 |
0.69 |
11.54 |
11.08 |
22. |
Return on equity |
12.11 |
10.94 |
16.08 |
8.91 |
13.55 |
15.70 |
3.49 |
5.39 |
23. |
Cost of deposits |
8.13 |
8.84 |
8.98 |
8.89 |
9.49 |
8.68 |
9.87 |
9.81 |
24. |
Cost of borrowings |
7.81 |
12.14 |
2.42 |
7.25 |
3.17 |
5.63 |
25.88 |
15.48 |
25. |
Cost of funds |
8.11 |
9.00 |
8.82 |
8.85 |
9.10 |
8.53 |
10.07 |
9.83 |
26. |
Return on advances |
11.48 |
11.45 |
13.56 |
12.25 |
12.80 |
12.63 |
16.18 |
15.14 |
27. |
Return on investments |
10.18 |
13.78 |
12.23 |
12.42 |
12.09 |
11.79 |
13.26 |
12.35 |
28. |
Return on advances adjusted to cost of funds |
3.37 |
2.45 |
4.74 |
3.40 |
3.70 |
4.10 |
6.11 |
5.31 |
29. |
Return on investments adjusted to cost of funds |
2.07 |
4.77 |
3.41 |
3.57 |
2.98 |
3.26 |
3.20 |
2.52 |
30. |
Business per employee (in Rs. lakh) |
344.00 |
429.00 |
153.66 |
184.28 |
161.00 |
190.00 |
94.77 |
105.40 |
31. |
Profit per employee (in Rs. lakh) |
2.26 |
2.34 |
0.82 |
0.52 |
0.72 |
0.97 |
0.09 |
0.16 |
32. |
Capital adequacy ratio |
11.34 |
11.28 |
10.02 |
9.69 |
11.33 |
10.29 |
9.14 |
9.11 |
33. |
Capital adequacy ratio - Tier I |
10.83 |
10.69 |
7.66 |
7.33 |
7.72 |
7.72 |
4.66 |
5.26 |
34. |
Capital adequacy ratio - Tier II |
0.51 |
0.59 |
2.36 |
2.36 |
3.61 |
2.57 |
4.48 |
3.85 |
35. |
Ratio of net NPA to net advances |
5.86 |
6.12 |
11.08 |
11.34 |
8.56 |
10.08 |
9.93 |
10.12 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Global Trust |
HDFC Bank |
ICICI Bank @ |
IDBI Bank |
|||||
Bank |
|||||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
||
|
|||||||||
1. |
Cash-deposit ratio |
8.29 |
8.61 |
10.08 |
8.46 |
7.32 |
7.52 |
11.46 |
7.47 |
2. |
Credit-deposit ratio |
51.80 |
53.01 |
39.90 |
39.77 |
37.07 |
42.93 |
46.42 |
48.35 |
3. |
Investment-deposit ratio |
47.20 |
49.97 |
68.21 |
61.29 |
44.77 |
49.99 |
61.60 |
70.77 |
4. |
(Credit + investment)-deposit ratio |
99.00 |
102.98 |
108.10 |
101.06 |
81.84 |
92.92 |
108.02 |
119.12 |
5. |
Ratio of deposits to total liabilities |
82.31 |
81.65 |
72.30 |
74.65 |
81.72 |
82.98 |
76.42 |
72.53 |
6. |
Ratio of term deposits to total deposits |
81.61 |
86.66 |
53.67 |
59.18 |
78.50 |
72.51 |
82.55 |
77.00 |
7. |
Ratio of priority sector advances to total advances |
21.91 |
19.38 |
17.42 |
14.40 |
13.60 |
16.85 |
21.18 |
21.93 |
8. |
Ratio of term-loans to total advances |
24.89 |
32.02 |
39.35 |
54.86 |
10.35 |
13.84 |
35.04 |
28.07 |
9. |
Ratio of secured advances to total advances |
99.48 |
84.72 |
93.90 |
85.27 |
79.41 |
76.74 |
80.10 |
86.46 |
10. |
Ratio of investments in non-approved securities to total investments |
40.65 |
41.48 |
43.82 |
52.07 |
36.27 |
49.77 |
51.39 |
53.46 |
11. |
Ratio of Interest income to total assets |
10.15 |
10.56 |
8.50 |
9.24 |
8.95 |
7.81 |
10.69 |
11.43 |
12. |
Ratio of net interest margin to total assets |
2.19 |
2.36 |
3.82 |
3.71 |
1.95 |
2.54 |
2.30 |
2.15 |
13. |
Ratio of non-interest income to total assets |
3.66 |
1.93 |
1.57 |
1.36 |
2.04 |
1.38 |
1.39 |
1.48 |
14. |
Ratio of intermediation cost to total assets |
1.95 |
1.93 |
2.14 |
2.27 |
1.61 |
2.10 |
1.58 |
2.17 |
15. |
Ratio of wage bills to intermediation cost |
14.63 |
18.57 |
28.32 |
25.19 |
23.72 |
15.47 |
22.47 |
22.07 |
16. |
Ratio of wage bills to total expenses |
2.87 |
3.54 |
8.89 |
7.34 |
4.43 |
4.41 |
3.56 |
4.19 |
17. |
Ratio of wage bills to total income |
2.06 |
2.87 |
6.03 |
5.40 |
3.47 |
3.54 |
2.94 |
3.72 |
18. |
Ratio of burden to total assets |
-1.71 |
-0.01 |
0.58 |
0.91 |
-0.43 |
0.72 |
0.19 |
0.70 |
19. |
Ratio of burden to interest income |
-16.83 |
-0.05 |
6.77 |
9.85 |
-4.78 |
9.20 |
1.78 |
6.12 |
20. |
Ratio of operating profits to total assets |
3.90 |
2.36 |
3.24 |
2.80 |
2.38 |
1.82 |
0.28 |
1.46 |
21. |
Return on assets |
1.44 |
0.85 |
1.84 |
1.62 |
0.87 |
0.82 |
1.35 |
0.41 |
22. |
Return on equity |
26.54 |
14.39 |
19.14 |
22.99 |
14.45 |
13.09 |
25.58 |
7.34 |
23. |
Cost of deposits |
8.62 |
9.09 |
5.05 |
6.36 |
7.28 |
5.53 |
8.80 |
11.41 |
24. |
Cost of borrowings |
5.83 |
3.48 |
6.89 |
7.12 |
6.81 |
4.21 |
10.31 |
2.57 |
25. |
Cost of funds |
8.40 |
8.72 |
5.31 |
6.45 |
7.26 |
5.46 |
9.00 |
9.98 |
26. |
Return on advances |
14.26 |
13.41 |
11.21 |
12.33 |
12.06 |
10.68 |
12.93 |
12.43 |
27. |
Return on investments |
10.11 |
11.11 |
9.59 |
9.86 |
11.26 |
8.82 |
12.59 |
13.64 |
28. |
Return on advances adjusted to cost of funds |
5.87 |
4.69 |
5.90 |
5.88 |
4.80 |
5.23 |
3.93 |
2.45 |
29. |
Return on investments adjusted to cost of funds |
1.72 |
2.39 |
4.27 |
3.41 |
3.99 |
3.36 |
3.59 |
3.66 |
30. |
Business per employee (in Rs. lakh) |
855.00 |
832.00 |
942.00 |
643.00 |
594.99 |
815.22 |
923.01 |
684.67 |
31. |
Profit per employee (in Rs. lakh) |
12.00 |
7.00 |
10.00 |
8.61 |
7.83 |
10.45 |
11.15 |
2.50 |
32. |
Capital adequacy ratio |
13.68 |
12.71 |
12.19 |
11.09 |
19.64 |
11.57 |
11.80 |
11.72 |
33. |
Capital adequacy ratio - Tier I |
9.85 |
8.79 |
9.56 |
8.69 |
17.42 |
10.42 |
8.43 |
7.89 |
34. |
Capital adequacy ratio - Tier II |
3.83 |
3.92 |
2.63 |
2.40 |
2.22 |
1.15 |
3.37 |
3.83 |
35. |
Ratio of net NPA to net advances |
0.87 |
3.75 |
0.77 |
0.45 |
1.53 |
2.19 |
1.95 |
5.24 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
IndusInd Bank |
Jammu & |
Karnataka Bank |
Karur Vysya |
|||||
Kashmir Bank |
Bank |
||||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
||
|
|||||||||
1. |
Cash-deposit ratio |
5.65 |
5.36 |
14.88 |
9.74 |
10.21 |
6.48 |
9.13 |
6.61 |
2. |
Credit-deposit ratio |
56.17 |
58.95 |
37.34 |
42.65 |
47.38 |
46.55 |
58.48 |
62.35 |
3. |
Investment-deposit ratio |
41.73 |
34.70 |
45.15 |
48.58 |
39.87 |
45.87 |
38.32 |
34.14 |
4. |
(Credit + investment)-deposit ratio |
97.90 |
93.66 |
82.49 |
91.22 |
87.25 |
92.42 |
96.80 |
96.50 |
5. |
Ratio of deposits to total liabilities |
81.86 |
83.06 |
89.21 |
87.80 |
90.11 |
90.99 |
82.52 |
85.27 |
6. |
Ratio of term deposits to total deposits |
84.64 |
88.95 |
63.73 |
69.21 |
78.82 |
80.41 |
79.81 |
78.52 |
7. |
Ratio of priority sector advances to total advances |
20.18 |
16.63 |
23.09 |
24.76 |
37.37 |
33.71 |
38.85 |
38.63 |
8. |
Ratio of term-loans to total advances |
20.78 |
20.64 |
40.06 |
48.34 |
23.64 |
24.55 |
30.03 |
33.12 |
9. |
Ratio of secured advances to total advances |
91.79 |
82.43 |
93.87 |
92.76 |
97.01 |
96.42 |
92.45 |
93.53 |
10. |
Ratio of investments in non-approved securities to total investments |
22.60 |
25.72 |
34.82 |
36.76 |
32.66 |
20.17 |
38.28 |
35.69 |
11. |
Ratio of Interest income to total assets |
9.00 |
8.75 |
9.79 |
9.25 |
10.89 |
10.53 |
12.18 |
11.55 |
12. |
Ratio of net interest margin to total assets |
1.92 |
1.91 |
3.17 |
3.07 |
2.15 |
2.45 |
3.99 |
3.89 |
13. |
Ratio of non-interest income to total assets |
2.04 |
1.40 |
1.16 |
0.69 |
1.36 |
1.44 |
1.68 |
1.35 |
14. |
Ratio of intermediation cost to total assets |
1.27 |
1.24 |
1.76 |
1.42 |
1.99 |
1.70 |
2.50 |
2.47 |
15. |
Ratio of wage bills to intermediation cost |
13.27 |
13.00 |
56.36 |
58.13 |
71.26 |
68.09 |
62.89 |
50.05 |
16. |
Ratio of wage bills to total expenses |
2.02 |
1.99 |
11.86 |
10.84 |
13.22 |
11.82 |
14.70 |
12.22 |
17. |
Ratio of wage bills to total income |
1.53 |
1.58 |
9.08 |
8.28 |
11.58 |
9.66 |
11.33 |
9.60 |
18. |
Ratio of burden to total assets |
-0.77 |
-0.16 |
0.60 |
0.72 |
0.63 |
0.26 |
0.81 |
1.12 |
19. |
Ratio of burden to interest income |
-8.56 |
-1.85 |
6.14 |
7.81 |
5.78 |
2.44 |
6.68 |
9.74 |
20. |
Ratio of operating profits to total assets |
2.69 |
2.07 |
2.57 |
2.34 |
1.52 |
2.19 |
3.18 |
2.77 |
21. |
Return on assets |
0.70 |
0.47 |
1.13 |
1.32 |
1.10 |
0.73 |
1.90 |
1.70 |
22. |
Return on equity |
10.55 |
7.52 |
25.13 |
27.30 |
20.31 |
13.72 |
31.25 |
24.44 |
23. |
Cost of deposits |
7.72 |
7.39 |
7.22 |
6.93 |
9.35 |
8.71 |
9.10 |
8.42 |
24. |
Cost of borrowings |
6.16 |
5.41 |
22.23 |
3.86 |
6.86 |
5.32 |
3.55 |
4.84 |
25. |
Cost of funds |
7.60 |
7.26 |
7.43 |
6.90 |
9.28 |
8.63 |
8.68 |
8.23 |
26. |
Return on advances |
10.24 |
9.41 |
11.77 |
10.52 |
13.41 |
13.13 |
14.33 |
13.14 |
27. |
Return on investments |
11.77 |
12.50 |
12.24 |
11.73 |
12.66 |
10.70 |
13.84 |
13.91 |
28. |
Return on advances adjusted to cost of funds |
2.64 |
2.15 |
4.34 |
3.62 |
4.13 |
4.50 |
5.65 |
4.91 |
29. |
Return on investments adjusted to cost of funds |
4.17 |
5.24 |
4.81 |
4.83 |
3.38 |
2.06 |
5.16 |
5.69 |
30. |
Business per employee (in Rs. lakh) |
2004.70 |
1582.36 |
175.00 |
212.00 |
177.68 |
210.28 |
169.00 |
192.00 |
31. |
Profit per employee (in Rs. lakh) |
13.23 |
6.98 |
1.91 |
2.58 |
1.43 |
1.11 |
2.60 |
2.52 |
32. |
Capital adequacy ratio |
13.24 |
15.00 |
18.82 |
17.44 |
11.04 |
11.37 |
15.16 |
15.56 |
33. |
Capital adequacy ratio - Tier I |
12.09 |
12.56 |
15.51 |
14.33 |
10.64 |
11.06 |
14.48 |
15.12 |
34. |
Capital adequacy ratio - Tier II |
1.15 |
2.44 |
3.31 |
3.11 |
0.40 |
0.31 |
0.68 |
0.44 |
35. |
Ratio of net NPA to net advances |
5.98 |
5.25 |
3.22 |
2.45 |
5.73 |
6.93 |
3.77 |
4.73 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Lakshmi Vilas |
Lord Krishna |
Nainital Bank |
Nedungadi Bank |
|||||
Bank |
Bank |
||||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
||
|
|||||||||
1. |
Cash-deposit ratio |
10.00 |
8.92 |
7.21 |
6.25 |
10.52 |
9.35 |
10.56 |
9.50 |
2. |
Credit-deposit ratio |
58.57 |
64.99 |
55.05 |
47.71 |
22.28 |
22.50 |
49.98 |
48.51 |
3. |
Investment-deposit ratio |
39.09 |
34.34 |
41.33 |
44.55 |
46.71 |
53.15 |
34.59 |
40.33 |
4. |
(Credit + investment)-deposit ratio |
97.67 |
99.33 |
96.37 |
92.26 |
68.99 |
75.64 |
84.57 |
88.83 |
5. |
Ratio of deposits to total liabilities |
84.93 |
87.21 |
85.03 |
87.02 |
92.70 |
91.83 |
91.32 |
92.03 |
6. |
Ratio of term deposits to total deposits |
72.34 |
75.56 |
84.14 |
87.52 |
54.82 |
55.29 |
81.70 |
83.25 |
7. |
Ratio of priority sector advances to total advances |
42.55 |
40.14 |
17.87 |
15.54 |
52.63 |
55.43 |
31.46 |
32.43 |
8. |
Ratio of term-loans to total advances |
23.27 |
21.55 |
36.51 |
46.10 |
21.85 |
0.00 |
23.13 |
22.42 |
9. |
Ratio of secured advances to total advances |
90.44 |
94.04 |
99.13 |
96.90 |
99.19 |
99.68 |
92.69 |
97.03 |
10. |
Ratio of investments in non-approved securities to total investments |
39.94 |
29.38 |
22.82 |
16.66 |
33.37 |
27.19 |
21.53 |
15.03 |
11. |
Ratio of Interest income to total assets |
10.62 |
10.20 |
10.63 |
10.09 |
10.50 |
10.43 |
11.35 |
9.74 |
12. |
Ratio of net interest margin to total assets |
2.86 |
2.70 |
1.59 |
1.66 |
4.22 |
4.09 |
3.14 |
1.09 |
13. |
Ratio of non-interest income to total assets |
2.85 |
2.39 |
2.07 |
1.72 |
0.59 |
0.45 |
1.64 |
1.59 |
14. |
Ratio of intermediation cost to total assets |
3.07 |
2.65 |
2.07 |
2.14 |
2.94 |
2.74 |
3.05 |
2.64 |
15. |
Ratio of wage bills to intermediation cost |
60.00 |
58.47 |
56.41 |
52.85 |
74.67 |
72.32 |
62.77 |
66.29 |
16. |
Ratio of wage bills to total expenses |
16.99 |
15.29 |
10.51 |
10.68 |
23.83 |
21.80 |
17.02 |
15.51 |
17. |
Ratio of wage bills to total income |
13.65 |
12.32 |
9.19 |
9.56 |
19.83 |
18.20 |
14.77 |
15.46 |
18. |
Ratio of burden to total assets |
0.21 |
0.26 |
0.00 |
0.42 |
2.36 |
2.29 |
1.42 |
1.05 |
19. |
Ratio of burden to interest income |
2.02 |
2.58 |
0.00 |
4.13 |
22.45 |
21.96 |
12.49 |
10.79 |
20. |
Ratio of operating profits to total assets |
1.42 |
2.44 |
1.59 |
1.24 |
1.86 |
1.80 |
1.72 |
0.04 |
21. |
Return on assets |
1.30 |
1.02 |
0.70 |
0.41 |
0.95 |
0.93 |
0.84 |
0.00 |
22. |
Return on equity |
0.68 |
20.22 |
14.14 |
9.21 |
22.85 |
21.49 |
28.65 |
-111.51 |
23. |
Cost of deposits |
8.55 |
8.11 |
9.77 |
9.07 |
6.77 |
6.87 |
8.54 |
9.01 |
24. |
Cost of borrowings |
11.43 |
11.75 |
0.16 |
9.93 |
24.83 |
180.68 |
8.05 |
10.76 |
25. |
Cost of funds |
8.68 |
8.25 |
9.46 |
9.09 |
6.77 |
6.87 |
8.54 |
9.03 |
26. |
Return on advances |
13.34 |
12.85 |
13.70 |
14.13 |
13.47 |
12.96 |
13.74 |
11.93 |
27. |
Return on investments |
10.83 |
9.58 |
12.26 |
9.92 |
12.35 |
12.22 |
13.85 |
11.93 |
28. |
Return on advances adjusted to cost of funds |
4.65 |
4.60 |
4.24 |
5.04 |
6.70 |
6.09 |
5.20 |
2.90 |
29. |
Return on investments adjusted to cost of funds |
2.14 |
1.32 |
2.81 |
0.83 |
5.57 |
5.35 |
5.32 |
2.90 |
30. |
Business per employee (in Rs. lakh) |
158.00 |
192.00 |
200.00 |
226.00 |
79.05 |
93.07 |
133.34 |
145.80 |
31. |
Profit per employee (in Rs. lakh) |
1.37 |
1.38 |
0.93 |
0.65 |
0.69 |
0.79 |
0.91 |
0.00 |
32. |
Capital adequacy ratio |
10.45 |
10.21 |
11.25 |
12.90 |
15.11 |
15.81 |
9.04 |
0.00 |
33. |
Capital adequacy ratio - Tier I |
8.10 |
8.52 |
9.70 |
8.60 |
14.32 |
13.72 |
5.73 |
0.00 |
34. |
Capital adequacy ratio - Tier II |
2.35 |
1.69 |
1.55 |
4.30 |
0.79 |
2.09 |
3.31 |
0.00 |
35. |
Ratio of net NPA to net advances |
5.38 |
6.47 |
13.94 |
12.92 |
0.82 |
0.00 |
15.65 |
21.04 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Ratnakar Bank |
Sangli Bank |
SBI Commercial |
South Indian |
|||||
& Intl. Bank |
Bank |
||||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
||
|
|||||||||
1. |
Cash-deposit ratio |
9.97 |
8.97 |
22.27 |
22.83 |
5.60 |
4.19 |
7.51 |
6.32 |
2. |
Credit-deposit ratio |
42.78 |
46.10 |
34.66 |
35.57 |
71.61 |
57.30 |
52.02 |
52.87 |
3. |
Investment-deposit ratio |
43.38 |
43.13 |
40.53 |
35.78 |
40.43 |
35.54 |
45.01 |
42.80 |
4. |
(Credit + investment)-deposit ratio |
86.15 |
89.24 |
75.19 |
71.34 |
112.04 |
92.84 |
97.03 |
95.68 |
5. |
Ratio of deposits to total liabilities |
87.42 |
89.31 |
92.61 |
93.42 |
72.63 |
77.36 |
87.44 |
89.50 |
6. |
Ratio of term deposits to total deposits |
74.21 |
76.70 |
62.25 |
65.16 |
92.44 |
93.35 |
78.10 |
79.76 |
7. |
Ratio of priority sector advances to total advances |
30.20 |
28.15 |
26.21 |
25.79 |
11.80 |
11.29 |
31.97 |
29.74 |
8. |
Ratio of term-loans to total advances |
41.40 |
43.05 |
19.61 |
20.93 |
17.98 |
7.77 |
39.07 |
38.35 |
9. |
Ratio of secured advances to total advances |
89.40 |
91.23 |
95.15 |
94.18 |
83.81 |
85.01 |
89.38 |
89.95 |
10. |
Ratio of investments in non-approved securities to total investments |
38.02 |
39.51 |
31.56 |
34.08 |
13.09 |
5.71 |
15.20 |
12.02 |
11. |
Ratio of Interest income to total assets |
11.06 |
11.06 |
9.08 |
9.50 |
10.16 |
9.49 |
11.69 |
11.19 |
12. |
Ratio of net interest margin to total assets |
3.15 |
3.34 |
2.79 |
3.28 |
2.14 |
1.14 |
2.95 |
3.09 |
13. |
Ratio of non-interest income to total assets |
1.83 |
1.65 |
1.48 |
0.89 |
2.53 |
1.46 |
1.86 |
1.50 |
14. |
Ratio of intermediation cost to total assets |
3.34 |
3.09 |
3.04 |
3.05 |
1.23 |
1.35 |
2.80 |
2.38 |
15. |
Ratio of wage bills to intermediation cost |
66.03 |
57.18 |
76.75 |
79.67 |
32.36 |
33.07 |
76.74 |
74.13 |
16. |
Ratio of wage bills to total expenses |
19.61 |
16.34 |
25.02 |
26.19 |
4.29 |
4.60 |
18.64 |
16.85 |
17. |
Ratio of wage bills to total income |
17.13 |
13.90 |
22.08 |
23.34 |
3.13 |
4.08 |
15.88 |
13.91 |
18. |
Ratio of burden to total assets |
1.51 |
1.44 |
1.56 |
2.15 |
-1.30 |
-0.11 |
0.95 |
0.88 |
19. |
Ratio of burden to interest income |
13.69 |
13.04 |
17.15 |
22.64 |
-12.79 |
-1.15 |
8.09 |
7.87 |
20. |
Ratio of operating profits to total assets |
1.63 |
1.90 |
1.24 |
1.13 |
3.44 |
1.25 |
2.00 |
2.21 |
21. |
Return on assets |
0.83 |
0.77 |
0.36 |
0.40 |
1.84 |
-6.50 |
0.58 |
0.89 |
22. |
Return on equity |
17.63 |
15.75 |
9.18 |
10.53 |
9.89 |
-39.35 |
14.78 |
20.47 |
23. |
Cost of deposits |
8.48 |
8.20 |
6.77 |
6.44 |
9.43 |
9.53 |
9.47 |
8.64 |
24. |
Cost of borrowings |
15.65 |
20.25 |
6.01 |
267.63 |
20.17 |
13.78 |
5.58 |
7.35 |
25. |
Cost of funds |
8.62 |
8.34 |
6.77 |
6.67 |
10.08 |
9.79 |
9.36 |
8.62 |
26. |
Return on advances |
14.93 |
14.28 |
10.16 |
9.63 |
11.17 |
9.46 |
14.31 |
13.51 |
27. |
Return on investments |
12.36 |
12.66 |
11.05 |
14.88 |
12.05 |
11.83 |
12.73 |
11.62 |
28. |
Return on advances adjusted to cost of funds |
6.31 |
5.94 |
3.39 |
2.96 |
1.10 |
-0.33 |
4.94 |
4.89 |
29. |
Return on investments adjusted to cost of funds |
3.74 |
4.32 |
4.28 |
8.21 |
1.97 |
2.05 |
3.37 |
3.00 |
30. |
Business per employee (in Rs. lakh) |
114.75 |
145.87 |
66.82 |
74.58 |
724.99 |
706.37 |
129.00 |
171.00 |
31. |
Profit per employee (in Rs. lakh) |
0.64 |
0.75 |
0.24 |
0.30 |
9.63 |
-36.20 |
0.64 |
1.11 |
32. |
Capital adequacy ratio |
11.56 |
10.00 |
12.13 |
11.47 |
24.32 |
19.85 |
10.41 |
11.17 |
33. |
Capital adequacy ratio - Tier I |
10.60 |
9.42 |
8.54 |
8.37 |
24.12 |
19.48 |
8.07 |
8.36 |
34. |
Capital adequacy ratio - Tier II |
0.96 |
0.58 |
3.59 |
3.10 |
0.20 |
0.37 |
2.34 |
2.81 |
35. |
Ratio of net NPA to net advances |
8.70 |
7.58 |
7.56 |
6.64 |
13.97 |
22.56 |
8.67 |
15.85 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Tamilnad |
United Western |
UTI Bank |
Vysya Bank |
|||||
Mercantile Bank |
Bank |
||||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(57) |
(58) |
(59) |
(60) |
(61) |
(62) |
(63) |
(64) |
||
|
|||||||||
1. |
Cash-deposit ratio |
12.72 |
10.36 |
10.05 |
7.70 |
7.01 |
9.69 |
8.24 |
8.15 |
2. |
Credit-deposit ratio |
47.10 |
49.67 |
54.22 |
52.63 |
61.30 |
53.02 |
53.04 |
53.02 |
3. |
Investment-deposit ratio |
46.50 |
46.44 |
31.34 |
32.93 |
36.10 |
46.11 |
36.85 |
33.10 |
4. |
(Credit + investment)-deposit ratio |
93.60 |
96.11 |
85.56 |
85.56 |
97.41 |
99.14 |
89.89 |
86.12 |
5. |
Ratio of deposits to total liabilities |
86.61 |
87.18 |
90.21 |
90.86 |
85.77 |
84.45 |
83.08 |
80.13 |
6. |
Ratio of term deposits to total deposits |
71.90 |
73.14 |
72.21 |
75.99 |
83.01 |
84.62 |
79.36 |
78.49 |
7. |
Ratio of priority sector advances to total advances |
44.00 |
42.12 |
35.84 |
36.15 |
8.64 |
7.22 |
37.46 |
32.76 |
8. |
Ratio of term-loans to total advances |
26.77 |
28.93 |
21.01 |
24.60 |
10.17 |
21.84 |
42.91 |
41.98 |
9. |
Ratio of secured advances to total advances |
97.70 |
95.80 |
85.23 |
91.12 |
90.04 |
77.90 |
75.95 |
70.52 |
10. |
Ratio of investments in non-approved securities to total investments |
50.14 |
44.97 |
34.87 |
28.84 |
33.78 |
42.23 |
36.67 |
28.79 |
11. |
Ratio of Interest income to total assets |
11.29 |
11.14 |
9.60 |
8.95 |
9.13 |
10.21 |
9.60 |
9.31 |
12. |
Ratio of net interest margin to total assets |
3.20 |
3.58 |
2.63 |
2.07 |
1.71 |
1.13 |
1.34 |
1.82 |
13. |
Ratio of non-interest income to total assets |
1.81 |
1.52 |
2.77 |
0.88 |
1.72 |
1.87 |
2.26 |
1.30 |
14. |
Ratio of intermediation cost to total assets |
2.38 |
2.07 |
2.14 |
1.78 |
1.24 |
1.48 |
2.14 |
1.91 |
15. |
Ratio of wage bills to intermediation cost |
61.57 |
61.07 |
70.94 |
66.94 |
23.59 |
22.15 |
55.04 |
56.77 |
16. |
Ratio of wage bills to total expenses |
14.01 |
13.13 |
16.65 |
13.74 |
3.37 |
3.10 |
11.31 |
11.55 |
17. |
Ratio of wage bills to total income |
11.20 |
9.99 |
12.26 |
12.10 |
2.69 |
2.71 |
9.92 |
10.24 |
18. |
Ratio of burden to total assets |
0.57 |
0.55 |
-0.64 |
0.90 |
-0.49 |
-0.39 |
-0.12 |
0.62 |
19. |
Ratio of burden to interest income |
5.08 |
4.97 |
-6.63 |
10.06 |
-5.33 |
-3.85 |
-1.25 |
6.63 |
20. |
Ratio of operating profits to total assets |
2.63 |
3.03 |
3.26 |
1.17 |
2.20 |
1.52 |
1.46 |
1.20 |
21. |
Return on assets |
1.32 |
1.37 |
1.16 |
0.00 |
0.77 |
0.80 |
0.55 |
0.37 |
22. |
Return on equity |
19.69 |
20.03 |
26.10 |
1.30 |
22.86 |
31.84 |
8.62 |
6.20 |
23. |
Cost of deposits |
9.04 |
8.27 |
7.22 |
7.10 |
7.76 |
9.50 |
9.34 |
8.52 |
24. |
Cost of borrowings |
2.24 |
4.99 |
17.41 |
15.29 |
4.64 |
3.99 |
7.55 |
9.72 |
25. |
Cost of funds |
8.91 |
8.24 |
7.42 |
7.22 |
7.43 |
8.94 |
9.27 |
8.59 |
26. |
Return on advances |
13.47 |
12.63 |
12.44 |
10.30 |
10.45 |
11.37 |
11.43 |
11.06 |
27. |
Return on investments |
14.32 |
13.69 |
11.55 |
11.71 |
9.92 |
11.95 |
11.03 |
11.80 |
28. |
Return on advances adjusted to cost of funds |
4.56 |
4.39 |
5.03 |
3.08 |
3.03 |
2.43 |
2.17 |
2.47 |
29. |
Return on investments adjusted to cost of funds |
5.41 |
5.45 |
4.13 |
4.49 |
2.49 |
3.01 |
1.77 |
3.21 |
30. |
Business per employee (in Rs. lakh) |
180.28 |
214.94 |
179.00 |
212.00 |
1101.00 |
959.00 |
186.14 |
199.59 |
31. |
Profit per employee (in Rs. lakh) |
1.89 |
2.29 |
1.64 |
0.00 |
6.91 |
7.27 |
0.76 |
0.63 |
32. |
Capital adequacy ratio |
18.02 |
17.59 |
11.94 |
8.59 |
11.37 |
9.00 |
12.24 |
12.05 |
33. |
Capital adequacy ratio - Tier I |
15.99 |
15.81 |
8.55 |
6.62 |
7.99 |
5.84 |
8.20 |
8.44 |
34. |
Capital adequacy ratio - Tier II |
2.03 |
1.78 |
3.39 |
2.97 |
3.38 |
3.16 |
4.04 |
3.61 |
35. |
Ratio of net NPA to net advances |
5.77 |
5.99 |
4.83 |
9.48 |
4.71 |
3.43 |
9.11 |
4.77 |
|
@: During March 2001, Bank of Madura has been merged with ICICI Bank. The data as on March 31,2001 represent merged banks' figures. |