(per cent)

As on March 31

Ratios

Federal Bank

Ganesh Bank of Kurundwad

Global Trust Bank

HDFC Bank

2002

2003

2002

2003

2002

2003

2002

2003

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

01. Cash-deposit ratio

5.18

5.56

10.95

8.81

7.52

10.50

6.86

9.30

02. Credit-deposit ratio

58.53

56.79

49.88

52.29

47.07

47.34

38.60

52.53

03. Investment-deposit ratio

42.37

41.58

23.06

26.11

45.01

36.10

68.00

59.83

04. (Credit + investment)-deposit ratio

100.90

98.37

72.95

78.39

92.08

83.44

106.59

112.37

05. Ratio of deposits to total liabilities

87.39

89.72

93.01

92.99

88.17

90.28

74.87

73.55

06. Ratio of term deposits to total deposits

77.27

78.85

74.94

77.62

82.41

81.19

59.34

57.03

07. Ratio of priority sector advances to total advances

31.92

31.40

51.57

57.16

21.90

26.39

10.75

12.10

08. Ratio of term-loans to total advances

32.86

38.79

66.06

74.04

38.61

53.55

55.05

55.50

09. Ratio of secured advances to total advances

94.00

92.00

97.76

97.50

86.93

86.56

91.54

85.79

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

28.63

22.95

3.30

2.66

34.41

24.30

55.79

52.43

11. Ratio of Interest income to total assets

10.99

9.95

10.49

9.64

8.63

7.21

8.69

7.49

12. Ratio of net interest margin to total assets

2.91

3.04

1.85

1.52

1.05

0.30

3.21

3.08

13. Ratio of non-interest income to total assets

2.32

2.10

1.50

2.47

2.73

2.56

1.70

1.75

14. Ratio of intermediation cost to total assets

2.02

1.99

2.17

2.30

2.02

2.37

2.13

2.19

15. Ratio of wage bills to intermediation cost

63.24

62.77

58.74

56.14

21.02

23.74

26.14

25.67

16. Ratio of wage bills to total expenses

12.63

14.02

11.77

12.38

4.43

6.05

7.32

8.52

17. Ratio of wage bills to total income

9.58

10.36

10.61

10.64

3.74

5.75

5.36

6.09

18. Ratio of burden to total assets

-0.31

-0.11

0.66

-0.18

-0.71

-0.19

0.43

0.44

19. Ratio of burden to interest income

-2.80

-1.11

6.32

-1.82

-8.24

-2.64

4.97

5.87

20. Ratio of operating profits to total assets

3.22

3.15

1.19

1.70

1.76

0.49

2.78

2.64

21. Return on assets

0.53

0.86

1.14

1.65

0.55

-3.56

1.48

1.52

22. Return on equity

18.98

21.47

12.04

12.69

8.19

-82.41

20.81

18.48

23. Cost of deposits

8.53

7.36

9.23

8.71

8.17

7.19

6.25

5.31

24. Cost of borrowings

2.93

1.87

14.11

14.41

4.41

2.66

8.69

5.03

25. Cost of funds

8.30

7.24

9.25

8.72

8.00

7.16

6.48

5.29

26. Return on advances

12.67

11.57

14.01

12.69

11.12

10.17

10.90

8.47

27. Return on investments

11.35

10.19

11.39

10.69

9.18

7.66

9.02

8.77

28. Return on advances adjusted to cost of funds

4.37

4.34

4.77

3.97

3.12

3.02

4.42

3.19

29. Return on investments adjusted to cost of funds

3.05

2.95

2.14

1.97

1.18

0.50

2.55

3.48

30. Business per employee (in Rs. lakh)

199.24

270.00

105.40

126.52

709.09

655.10

778.00

865.00

31. Profit per employee (in Rs. lakh)

0.78

1.69

0.16

1.39

3.51

-19.93

9.75

10.09

32. Capital adequacy ratio

11.23

11.23

9.11

10.44

11.21

-

13.93

11.12

33. Capital adequacy ratio - Tier I

9.36

6.65

5.26

6.43

7.44

-

10.81

9.49

34. Capital adequacy ratio - Tier II

1.87

4.58

3.85

4.01

3.77

-

3.12

1.63

35. Ratio of net NPA to net advances

11.66

4.95

10.12

12.89

9.23

19.77

0.50

0.37

(per cent)

As on March 31

Ratios

ICICI Bank

IDBI Bank

IndusInd Bank

Jammu & Kashmir Bank

2002

2003

2002

2003

2002

2003

2002

2003

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

01. Cash-deposit ratio

5.53

10.14

6.94

9.96

6.07

6.68

7.87

4.91

02. Credit-deposit ratio

146.59

110.61

59.21

71.70

66.36

62.20

49.75

54.59

03. Investment-deposit ratio

111.86

73.62

46.19

39.97

29.58

29.48

44.55

45.91

04. (Credit + investment)-deposit ratio

258.46

184.23

105.40

111.67

95.94

91.68

94.31

100.50

05. Ratio of deposits to total liabilities

30.76

45.10

78.82

76.08

82.32

86.84

87.84

87.38

06. Ratio of term deposits to total deposits

83.69

84.47

53.78

65.10

87.04

87.82

65.95

66.61

07. Ratio of priority sector advances to total advances

4.22

16.77

25.55

30.04

17.01

18.69

20.50

18.80

08. Ratio of term-loans to total advances

91.38

93.30

50.06

61.29

16.14

24.14

49.30

49.03

09. Ratio of secured advances to total advances

97.02

97.16

72.18

80.23

88.66

88.98

92.54

90.30

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

36.49

27.86

36.69

24.56

20.30

19.30

37.26

41.38

11. Ratio of Interest income to total assets

3.47

8.87

8.81

8.21

7.53

7.39

9.87

9.06

12. Ratio of net interest margin to total assets

0.96

1.35

2.48

2.77

1.73

1.84

3.20

3.34

13. Ratio of non-interest income to total assets

0.93

2.99

2.12

2.27

1.96

2.56

1.88

1.82

14. Ratio of intermediation cost to total assets

1.00

1.91

2.47

2.84

1.00

1.17

1.71

1.65

15. Ratio of wage bills to intermediation cost

23.64

20.03

27.78

26.67

21.42

23.97

61.57

60.98

16. Ratio of wage bills to total expenses

6.75

4.05

7.81

9.14

3.16

4.18

12.54

13.65

17. Ratio of wage bills to total income

5.40

3.22

6.29

7.22

2.27

2.82

8.95

9.24

18. Ratio of burden to total assets

0.08

-1.09

0.35

0.57

-0.95

-1.39

-0.17

-0.17

19. Ratio of burden to interest income

2.23

-12.25

4.02

6.94

-12.63

-18.82

-1.69

-1.91

20. Ratio of operating profits to total assets

0.88

2.44

2.13

2.20

2.68

3.23

3.36

3.52

21. Return on assets

0.67

1.13

0.79

0.90

0.50

0.91

1.77

2.01

22. Return on equity

6.53

17.38

18.42

21.77

9.17

15.49

31.75

31.00

23. Cost of deposits

5.73

6.18

6.23

5.76

6.03

6.01

7.30

6.27

24. Cost of borrowings

0.19

0.44

4.98

3.24

4.60

2.04

14.23

12.61

25. Cost of funds

2.91

3.25

6.04

5.41

5.92

5.77

7.41

6.37

26. Return on advances

2.85

11.99

10.35

9.93

8.73

8.55

11.43

10.53

27. Return on investments

5.60

8.16

9.52

8.73

10.23

9.72

11.66

10.01

28. Return on advances adjusted to cost of funds

-0.06

8.74

4.31

4.51

2.81

2.78

4.03

4.16

29. Return on investments adjusted to cost of funds

2.69

4.91

3.48

3.32

4.31

3.95

4.25

3.65

30. Business per employee (in Rs. lakh)

486.49

1120.00

689.88

712.84

1587.91

1284.06

264.00

287.00

31. Profit per employee (in Rs. lakh)

5.33

11.00

4.34

4.89

6.88

9.50

4.00

5.00

32. Capital adequacy ratio

11.44

11.10

9.59

9.56

12.51

12.13

15.46

16.48

33. Capital adequacy ratio - Tier I

7.47

7.05

6.36

5.96

10.45

10.06

12.41

12.48

34. Capital adequacy ratio - Tier II

3.97

4.05

3.23

3.60

2.06

2.07

3.05

4.00

35. Ratio of net NPA to net advances

5.48

5.21

2.21

1.18

6.59

4.25

1.88

1.58

(per cent)

As on March 31

Ratios

Karnataka Bank

Karur Vysya Bank

Lakshmi Vilas Bank

Lord Krishna Bank

2002

2003

2002

2003

2002

2003

2002

2003

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

01. Cash-deposit ratio

4.88

5.27

5.02

4.50

6.42

5.99

6.45

7.82

02. Credit-deposit ratio

48.81

47.03

58.85

65.30

63.19

63.66

54.99

55.01

03. Investment-deposit ratio

49.52

53.46

36.82

36.12

36.51

37.41

41.89

39.84

04. (Credit + investment)-deposit ratio

98.33

100.49

95.67

101.42

99.70

101.07

96.88

94.86

05. Ratio of deposits to total liabilities

90.19

89.50

81.80

82.90

86.95

86.67

87.10

89.54

06. Ratio of term deposits to total deposits

81.31

81.48

78.05

78.53

74.91

73.79

87.86

88.13

07. Ratio of priority sector advances to total advances

34.96

38.49

36.29

33.26

38.12

34.64

12.21

12.75

08. Ratio of term-loans to total advances

23.21

29.05

46.97

54.22

34.82

37.53

29.78

21.70

09. Ratio of secured advances to total advances

89.95

91.62

92.22

92.22

86.63

89.93

91.32

88.85

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

17.11

22.93

31.19

26.37

27.26

26.58

13.81

16.04

11. Ratio of Interest income to total assets

10.29

9.53

10.32

9.13

9.94

8.96

9.19

8.68

12. Ratio of net interest margin to total assets

1.95

1.82

3.52

3.00

2.26

2.26

0.85

1.47

13. Ratio of non-interest income to total assets

3.34

2.81

2.24

2.35

3.15

2.79

4.80

3.76

14. Ratio of intermediation cost to total assets

1.81

1.65

2.30

1.84

2.58

2.40

2.43

2.36

15. Ratio of wage bills to intermediation cost

68.12

63.39

49.38

57.73

56.82

59.41

43.06

42.72

16. Ratio of wage bills to total expenses

12.13

11.19

12.49

13.34

14.28

15.63

9.70

10.55

17. Ratio of wage bills to total income

9.04

8.49

9.05

9.27

11.19

12.11

7.47

8.12

18. Ratio of burden to total assets

-1.53

-1.16

0.06

-0.50

-0.57

-0.39

-2.38

-1.40

19. Ratio of burden to interest income

-14.85

-12.14

0.58

-5.50

-5.74

-4.37

-25.85

-16.09

20. Ratio of operating profits to total assets

3.47

2.98

3.46

3.50

2.83

2.65

3.22

2.87

21. Return on assets

1.26

1.29

2.42

2.25

1.06

1.07

1.26

1.28

22. Return on equity

23.02

21.48

28.60

25.28

19.68

19.17

23.62

20.25

23. Cost of deposits

9.06

8.43

7.72

7.07

8.45

7.43

8.94

7.88

24. Cost of borrowings

5.75

6.26

2.66

3.29

10.17

5.94

13.47

24.79

25. Cost of funds

9.00

8.39

7.44

6.85

8.48

7.41

9.00

7.91

26. Return on advances

12.46

10.93

10.75

10.44

11.28

10.58

10.73

9.90

27. Return on investments

10.15

9.87

13.82

9.81

10.44

9.20

10.63

9.87

28. Return on advances adjusted to cost of funds

3.45

2.54

3.31

3.58

2.79

3.18

1.73

1.99

29. Return on investments adjusted to cost of funds

1.15

1.47

6.37

2.96

1.96

1.79

1.63

1.95

30. Business per employee (in Rs. lakh)

247.24

275.32

219.00

288.00

212.00

228.00

246.41

261.17

31. Profit per employee (in Rs. lakh)

2.20

2.55

3.79

4.41

1.56

1.72

2.09

2.36

32. Capital adequacy ratio

12.96

13.44

16.90

17.01

11.54

11.35

16.50

12.82

33. Capital adequacy ratio - Tier I

11.10

11.23

15.62

14.89

8.44

8.39

12.75

10.03

34. Capital adequacy ratio - Tier II

1.86

2.21

1.28

2.12

3.10

2.96

3.75

2.79

35. Ratio of net NPA to net advances

5.90

7.36

6.33

4.20

9.13

7.15

9.85

6.33

(per cent)

As on March 31

Ratios

Nainital Bank

Nedungadi Bank

Ratnakar Bank

Sangli Bank

2002

2003

2002

2002

2003

2002

2003

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

01. Cash-deposit ratio

6.47

7.13

5.15

9.87

7.66

13.60

4.63

02. Credit-deposit ratio

21.51

25.78

53.54

44.76

48.58

34.92

33.86

03. Investment-deposit ratio

54.67

52.13

36.71

41.94

42.19

42.54

56.82

04. (Credit + investment)-deposit ratio

76.19

77.91

90.25

86.70

90.78

77.45

90.68

05. Ratio of deposits to total liabilities

91.82

87.03

91.18

88.32

86.73

93.00

92.32

06. Ratio of term deposits to total deposits

53.53

53.27

78.61

76.59

77.70

66.72

66.62

07. Ratio of priority sector advances to total advances

52.64

56.69

33.15

26.61

23.92

24.44

23.03

08. Ratio of term-loans to total advances

26.01

30.92

16.53

43.15

38.09

19.31

19.55

09. Ratio of secured advances to total advances

98.76

99.45

99.66

90.84

86.10

92.03

93.92

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

30.83

32.05

19.20

18.11

20.38

29.69

22.07

11. Ratio of Interest income to total assets

10.16

9.42

8.93

10.03

9.12

8.26

7.83

12. Ratio of net interest margin to total assets

4.12

3.97

0.58

3.09

2.80

2.50

2.24

13. Ratio of non-interest income to total assets

0.55

0.67

4.03

4.18

2.72

2.03

1.78

14. Ratio of intermediation cost to total assets

2.72

3.02

2.61

3.33

2.68

2.97

2.88

15. Ratio of wage bills to intermediation cost

74.07

74.89

66.26

64.99

58.49

77.51

76.23

16. Ratio of wage bills to total expenses

22.97

26.70

15.77

21.06

17.39

26.34

25.95

17. Ratio of wage bills to total income

18.79

22.41

13.34

15.22

13.22

22.36

22.88

18. Ratio of burden to total assets

2.17

2.35

-1.42

-0.85

-0.04

0.94

1.10

19. Ratio of burden to interest income

21.34

24.97

-15.87

-8.52

-0.46

11.39

14.09

20. Ratio of operating profits to total assets

1.95

1.62

1.99

3.94

2.84

1.56

1.14

21. Return on assets

0.92

N.A.

0.08

1.16

1.42

0.60

0.66

22. Return on equity

20.22

17.16

2.10

22.29

25.84

15.27

15.55

23. Cost of deposits

6.58

6.10

8.82

7.72

7.17

6.15

6.01

24. Cost of borrowings

63.45

12.01

1.55

13.86

12.17

20.68

4.48

25. Cost of funds

6.58

6.10

8.79

7.76

7.20

6.17

6.01

26. Return on advances

12.01

11.49

10.76

13.85

13.06

10.25

10.69

27. Return on investments

11.83

10.83

10.29

9.38

8.55

8.61

6.26

28. Return on advances adjusted to cost of funds

5.43

5.39

1.98

6.09

5.86

4.08

4.68

29. Return on investments adjusted to cost of funds

5.25

4.73

1.50

1.61

1.35

2.44

0.25

30. Business per employee (in Rs. lakh)

104.49

N.A.

136.80

162.54

179.73

83.34

91.31

31. Profit per employee (in Rs. lakh)

0.89

N.A.

0.08

1.27

1.81

0.50

0.59

32. Capital adequacy ratio

14.88

20.93

-1.99

13.60

14.05

11.64

14.94

33. Capital adequacy ratio - Tier I

12.92

19.31

-1.99

11.93

11.76

9.14

12.11

34. Capital adequacy ratio - Tier II

1.96

1.62

0.00

1.67

2.29

2.50

2.83

35. Ratio of net NPA to net advances

0.00

N.A.

31.05

8.60

7.42

5.97

6.89

(per cent)

As on March 31

Ratios

SBI Commercial & Intl. Bank

South Indian Bank

Tamilnad Mercantile Bank

United Western Bank

2002

2003

2002

2003

2002

2003

2002

2003

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

01. Cash-deposit ratio

5.99

5.81

5.08

5.78

8.52

6.63

5.20

6.35

02. Credit-deposit ratio

43.64

35.58

54.58

52.66

47.52

47.98

59.18

58.35

03. Investment-deposit ratio

33.86

30.07

36.84

43.71

48.68

52.44

37.37

35.52

04. (Credit + investment)-deposit ratio

77.50

65.64

91.42

96.37

96.20

100.43

96.54

93.87

05. Ratio of deposits to total liabilities

79.79

83.94

90.31

89.94

87.17

86.51

87.47

90.28

06. Ratio of term deposits to total deposits

95.04

94.22

81.04

80.81

74.83

75.73

73.46

74.57

07. Ratio of priority sector advances to total advances

4.29

9.40

28.43

27.79

39.68

40.81

42.56

40.09

08. Ratio of term-loans to total advances

6.17

6.57

37.23

45.17

31.51

29.42

32.91

27.10

09. Ratio of secured advances to total advances

86.07

88.95

87.31

82.81

95.90

95.11

92.29

89.75

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

5.34

6.88

10.77

10.48

42.50

49.07

30.48

25.44

11. Ratio of Interest income to total assets

8.43

7.56

10.46

9.24

10.89

10.48

9.05

8.59

12. Ratio of net interest margin to total assets

0.81

1.95

2.64

2.48

3.61

3.76

1.86

2.14

13. Ratio of non-interest income to total assets

2.38

1.94

2.35

2.57

1.57

1.32

2.80

2.61

14. Ratio of intermediation cost to total assets

1.25

1.37

2.05

2.00

2.15

2.06

1.85

2.26

15. Ratio of wage bills to intermediation cost

34.28

35.73

69.80

66.53

59.50

59.74

66.45

68.38

16. Ratio of wage bills to total expenses

4.83

7.01

14.52

15.19

13.55

14.03

13.58

17.75

17. Ratio of wage bills to total income

3.96

5.14

11.19

11.26

10.25

10.44

10.35

13.81

18. Ratio of burden to total assets

-1.13

-0.58

-0.30

-0.57

0.58

0.74

-0.96

-0.35

19. Ratio of burden to interest income

-13.39

-7.63

-2.86

-6.19

5.29

7.09

-10.59

-4.02

20. Ratio of operating profits to total assets

1.94

2.53

2.94

3.05

3.03

3.02

2.82

2.49

21. Return on assets

0.46

-1.45

1.07

1.25

1.29

1.35

0.50

0.46

22. Return on equity

3.71

-10.10

25.31

24.29

18.19

17.50

10.57

10.32

23. Cost of deposits

9.13

6.69

8.48

7.33

8.05

7.62

7.58

6.84

24. Cost of borrowings

5.61

3.58

4.15

0.39

2.08

0.65

7.08

5.12

25. Cost of funds

8.92

6.58

8.43

7.25

8.01

7.53

7.56

6.79

26. Return on advances

10.53

7.72

12.63

10.89

12.39

11.65

10.67

9.83

27. Return on investments

12.15

11.34

11.29

10.10

13.03

12.34

10.33

9.72

28. Return on advances adjusted to cost of funds

1.61

1.14

4.20

3.64

4.38

4.11

3.11

3.04

29. Return on investments adjusted to cost of funds

3.23

4.76

2.86

2.85

5.02

4.81

2.76

2.92

30. Business per employee (in Rs. lakh)

739.09

321.78

218.00

265.00

245.45

270.83

207.00

242.00

31. Profit per employee (in Rs. lakh)

2.87

-7.71

1.68

2.04

2.48

2.88

0.77

0.83

32. Capital adequacy ratio

22.10

21.19

11.20

10.75

18.02

18.54

9.79

10.17

33. Capital adequacy ratio - Tier I

21.11

20.18

7.68

7.28

16.88

16.83

6.98

6.40

34. Capital adequacy ratio - Tier II

0.99

1.01

3.52

3.47

1.14

1.71

2.81

3.77

35. Ratio of net NPA to net advances

23.43

20.88

6.64

5.98

6.66

8.70

10.72

9.50

(per cent)

As on March 31

Ratios

UTI Bank

Vysya Bank

2002

2003

2002

2003

(57)

(58)

(59)

(60)

01. Cash-deposit ratio

9.14

9.43

6.79

5.56

02. Credit-deposit ratio

43.56

42.32

54.76

61.08

03. Investment-deposit ratio

53.96

46.22

44.58

39.63

04. (Credit + investment)-deposit ratio

97.52

88.54

99.35

100.71

05. Ratio of deposits to total liabilities

85.48

86.50

75.28

79.22

06. Ratio of term deposits to total deposits

83.50

76.96

78.17

78.94

07. Ratio of priority sector advances to total advances

16.21

22.83

35.10

34.93

08. Ratio of term-loans to total advances

48.39

54.44

43.38

51.57

09. Ratio of secured advances to total advances

80.20