NATIONALISED BANKS

(per cent)

Year ended March 31

Allahabad Bank

Andhra Bank

Bank of Baroda

Bank of India

Ratio

1999

2000

1999

2000

1999

2000

1999

2000

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1.

Cash-deposit ratio

13.52

11.18

12.54

11.81

8.26

6.83

8.19

6.76

2.

Credit-deposit ratio

45.03

46.71

43.34

38.66

47.28

47.54

54.75

52.85

3.

Investment-deposit ratio

46.17

46.60

47.43

52.89

35.65

36.17

34.40

34.91

4.

(Credit + investment)-deposit ratio

91.20

93.30

90.77

91.55

82.93

83.71

89.15

87.75

5.

Ratio of deposits to total liabilities

89.02

89.50

90.33

91.23

85.41

87.55

82.40

85.16

6.

Ratio of term deposits to total deposits

58.26

58.07

69.57

69.93

67.84

68.10

67.38

66.47

7.

Ratio of priority sector advances to total advances

33.77

39.33

38.91

38.32

28.72

27.02

25.78

26.13

8.

Ratio of term-loans to total advances

47.25

45.50

37.17

35.66

31.06

32.74

38.12

39.68

9.

Ratio of secured advances to total advances

91.67

89.59

88.92

90.61

91.79

95.29

82.32

86.25

10.

Ratio of investments in non-approved securities to total investments

17.35

15.53

25.47

14.08

25.94

28.56

22.95

22.77

11.

Ratio of Interest income to total assets

9.79

9.94

10.13

10.53

9.83

9.42

9.16

8.61

12.

Ratio of net interest margin to total assets

3.01

3.04

3.24

3.04

3.21

3.09

2.81

2.35

13.

Ratio of non-interest income to total assets

1.28

1.39

1.41

1.70

1.18

1.16

1.14

1.43

14.

Ratio of intermediation cost to total assets

2.86

2.89

3.14

2.62

2.46

2.35

2.55

2.54

15.

Ratio of wage bills to intermediation cost

69.95

68.49

73.35

72.78

70.03

68.78

72.24

71.55

16.

Ratio of wage bills to total expenses

20.76

20.20

22.98

18.86

18.97

18.64

20.72

20.65

17.

Ratio of wage bills to total income

18.07

17.46

19.98

15.59

15.65

15.29

17.89

18.09

18.

Ratio of burden to total assets

1.58

1.50

1.73

0.92

1.28

1.19

1.41

1.11

19.

Ratio of burden to interest income

16.12

15.10

17.08

8.76

13.03

12.68

15.36

12.90

20.

Ratio of operating profits to total assets

1.43

1.54

1.51

2.12

1.93

1.90

1.41

1.24

21.

Return on assets

0.77

0.35

0.78

0.76

0.81

0.85

0.40

0.31

22.

Return on equity

16.87

7.97

15.57

22.45

15.15

16.40

8.52

7.03

23.

Cost of deposits

7.49

7.61

7.49

7.87

7.35

6.78

6.92

6.64

24.

Cost of borrowings

0.56

1.32

16.01

18.51

14.45

18.97

12.36

12.79

25.

Cost of funds

7.45

7.59

7.66

8.00

7.43

6.89

7.20

6.95

26.

Return on advances

11.96

11.62

12.15

12.76

11.67

11.39

11.34

11.10

27.

Return on investments

11.38

11.72

11.76

11.84

11.92

11.57

10.69

10.47

28.

Return on advances adjusted to cost of funds

4.50

4.03

4.50

4.76

4.23

4.51

4.13

4.15

29.

Return on investments adjusted to cost of funds

3.93

4.14

4.10

3.84

4.48

4.68

3.48

3.52

30.

Business per employee (in Rs. lakh)

90.00

105.00

81.14

111.71

134.75

142.82

131.00

135.65

31.

Profit per employee (in Rs. lakh)

0.60

0.31

0.61

0.82

0.91

1.07

0.38

0.33

32.

Capital adequacy ratio

10.38

11.51

11.02

13.36

13.30

12.10

10.55

10.57

33.

Capital adequacy ratio - Tier I

6.57

7.10

10.44

10.01

9.05

8.86

7.05

6.91

34.

Capital adequacy ratio - Tier II

3.81

4.41

0.58

3.35

4.25

3.24

3.50

3.66

35.

Ratio of net NPA to net advances

12.54

12.24

4.26

3.47

7.70

5.94

7.28

7.55

(per cent)

Year ended March 31

Bank of

Canara

Central Bank

Corporation

Maharashtra

Bank

of India

Bank

Ratio

1999

2000

1999

2000

1999

2000

1999

2000

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1.

Cash-deposit ratio

14.29

9.48

9.76

8.00

10.51

10.06

9.68

8.14

2.

Credit-deposit ratio

37.17

39.18

46.55

49.05

41.76

44.06

49.88

54.47

3.

Investment-deposit ratio

52.03

55.79

41.37

41.71

49.80

47.63

43.73

41.75

4.

(Credit + investment)-deposit ratio

89.20

94.97

87.91

90.77

91.56

91.69

93.62

96.22

5.

Ratio of deposits to total liabilities

89.69

88.05

87.20

88.23

86.75

86.49

84.10

85.19

6.

Ratio of term deposits to total deposits

58.15

61.65

63.20

62.01

58.39

58.45

74.23

72.91

7.

Ratio of priority sector advances to total advances

41.73

35.19

32.11

28.91

32.44

36.79

29.80

29.02

8.

Ratio of term-loans to total advances

36.55

40.25

29.58

33.49

35.73

38.79

47.04

54.88

9.

Ratio of secured advances to total advances

92.67

92.90

89.23

86.72

93.71

91.59

83.14

85.53

10.

Ratio of investments in non-approved securities to total investments

19.44

18.67

32.75

33.00

17.21

21.96

40.48

32.57

11.

Ratio of Interest income to total assets

9.93

10.71

10.28

9.46

9.97

9.04

10.35

10.11

12.

Ratio of net interest margin to total assets

3.51

3.41

3.42

2.80

3.19

1.77

2.89

2.89

13.

Ratio of non-interest income to total assets

0.94

1.35

1.38

1.63

1.06

0.69

1.52

1.71

14.

Ratio of intermediation cost to total assets

3.27

3.06

2.70

2.63

3.34

1.97

2.07

1.92

15.

Ratio of wage bills to intermediation cost

80.89

77.33

71.46

70.46

75.64

76.35

60.94

58.31

16.

Ratio of wage bills to total expenses

27.28

22.87

20.17

19.96

24.94

22.36

13.21

12.22

17.

Ratio of wage bills to total income

24.31

19.67

16.54

16.72

22.89

20.84

10.61

9.45

18.

Ratio of burden to total assets

2.32

1.72

1.32

1.00

2.28

1.28

0.55

0.21

19.

Ratio of burden to interest income

23.41

16.05

12.85

10.60

22.85

19.57

5.32

2.07

20.

Ratio of operating profits to total assets

1.18

1.69

2.10

1.80

0.91

0.49

2.34

2.68

21.

Return on assets

0.43

0.59

0.47

0.43

0.43

0.38

1.43

1.54

22.

Return on equity

7.77

17.63

9.55

9.43

5.59

1.56

21.06

21.94

23.

Cost of deposits

7.10

7.85

7.48

7.19

7.74

5.32

8.76

8.30

24.

Cost of borrowings

2.68

4.61

1.39

1.37

6.28

8.54

4.11

6.91

25.

Cost of funds

7.04

7.78

7.34

7.02

7.73

5.35

8.70

8.28

26.

Return on advances

12.50

12.65

12.59

11.55

12.81

8.40

11.49

11.46

27.

Return on investments

11.61

12.52

12.57

10.92

11.81

6.52

13.13

12.01

28.

Return on advances adjusted to cost of funds

5.46

4.88

5.25

4.53

5.08

3.05

2.79

3.19

29.

Return on investments adjusted to cost of funds

4.57

4.74

5.23

3.90

4.08

1.17

4.43

3.74

30.

Business per employee (in Rs. lakh)

90.62

114.84

116.88

135.20

79.55

93.30

185.02

207.68

31.

Profit per employee (in Rs. lakh)

0.32

0.56

0.43

0.45

0.30

0.31

1.89

2.20

32.

Capital adequacy ratio

9.76

11.66

10.96

9.64

11.88

11.18

13.20

12.80

33.

Capital adequacy ratio - Tier I

7.89

7.41

8.57

7.77

7.21

6.65

12.80

12.70

34.

Capital adequacy ratio - Tier II

1.87

4.25

2.39

1.87

4.67

4.53

0.40

0.10

35.

Ratio of net NPA to net advances

8.72

6.97

7.09

5.20

9.79

9.84

1.98

1.92

(per cent)

Year ended March 31

Dena

Indian

Indian Overseas

Oriental Bank of

Bank

Bank

Bank

Commerce

Ratio

1999

2000

1999

2000

1999

2000

1999

2000

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

1.

Cash-deposit ratio

11.14

9.42

10.12

8.03

13.08

12.01

12.03

10.30

2.

Credit-deposit ratio

54.22

53.57

43.70

42.92

46.17

47.59

45.87

42.21

3.

Investment-deposit ratio

47.87

52.05

45.05

44.71

37.95

42.15

46.65

52.32

4.

(Credit + investment)-deposit ratio

102.09

105.62

88.74

87.63

84.12

89.74

92.51

94.52

5.

Ratio of deposits to total liabilities

79.46

78.85

79.99

81.24

89.58

88.04

89.46

90.03

6.

Ratio of term deposits to total deposits

64.99

62.75

68.02

70.24

67.32

67.84

73.12

74.92

7.

Ratio of priority sector advances to total advances

41.74

40.11

23.76

24.86

29.17

29.63

39.71

39.70

8.

Ratio of term-loans to total advances

37.56

35.34

17.78

18.78

21.06

22.88

30.09

33.21

9.

Ratio of secured advances to total advances

97.42

97.40

91.43

93.01

93.57

94.14

98.08

95.98

10.

Ratio of investments in non-approved securities to total investments

28.90

33.36

11.66

15.33

15.17

12.93

41.73

39.14

11.

Ratio of Interest income to total assets

11.01

10.02

7.95

8.44

10.02

12.73

11.16

11.35

12.

Ratio of net interest margin to total assets

3.25

2.64

0.96

1.69

2.47

3.68

3.47

3.29

13.

Ratio of non-interest income to total assets

1.13

1.34

0.97

1.22

1.09

1.15

1.03

1.02

14.

Ratio of intermediation cost to total assets

2.79

2.60

2.73

2.81

2.94

3.32

2.21

1.98

15.

Ratio of wage bills to intermediation cost

72.96

71.23

76.33

78.16

75.50

70.77

58.49

54.03

16.

Ratio of wage bills to total expenses

19.27

18.54

21.48

22.95

21.13

18.99

13.06

10.65

17.

Ratio of wage bills to total income

16.74

16.29

23.40

22.70

19.95

16.93

10.59

8.64

18.

Ratio of burden to total assets

1.66

1.26

1.76

1.58

1.84

2.17

1.17

0.95

19.

Ratio of burden to interest income

15.04

12.58

22.18

18.76

18.39

17.06

10.52

8.42

20.

Ratio of operating profits to total assets

1.59

1.38

-0.80

0.11

0.62

1.50

2.30

2.34

21.

Return on assets

0.75

0.38

—

—

0.23

0.15

1.20

1.10

22.

Return on equity

17.72

8.26

-27.31

-14.74

7.97

13.79

19.89

20.95

23.

Cost of deposits

8.75

8.32

8.33

8.04

8.12

9.94

8.51

8.83

24.

Cost of borrowings

2.70

4.29

10.29

11.77

13.02

6.44

10.07

4.73

25.

Cost of funds

8.55

8.11

8.36

8.11

8.21

9.88

8.52

8.77

26.

Return on advances

13.84

12.32

10.87

11.84

11.82

14.99

13.30

11.87

27.

Return on investments

12.51

11.39

10.55

11.41

11.81

15.73

12.28

14.09

28.

Return on advances adjusted to cost of funds

5.29

4.21

2.50

3.74

3.61

5.10

4.79

3.10

29.

Return on investments adjusted to cost of funds

3.96

3.28

2.19

3.30

3.60

5.85

3.76

5.32

30.

Business per employee (in Rs. lakh)

126.00

145.00

97.87

110.00

103.78

116.87

169.70

218.20

31.

Profit per employee (in Rs. lakh)

0.76

0.45

—

—

0.20

0.14

1.60

1.90

32.

Capital adequacy ratio

11.14

11.63

Neg.

Neg.

10.15

9.15

14.10

12.72

33.

Capital adequacy ratio - Tier I

6.91

7.07

Neg.

Neg.

5.53

5.16

14.05

12.54

34.

Capital adequacy ratio - Tier II

4.23

4.56

—

—

4.62

3.99

0.05

0.18

35.

Ratio of net NPA to net advances

7.67

13.47

21.67

16.80

7.30

7.65

4.5

3.8

(per cent)

Year ended March 31

Punjab & Sind

Punjab National

Syndicate

Union Bank of

Bank

Bank

Bank

India

Ratio

1999

2000

1999

2000

1999

2000

1999

2000

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

1.

Cash-deposit ratio

10.91

11.08

12.30

11.54

10.97

11.80

12.83

10.01

2.

Credit-deposit ratio

43.17

45.14

46.71

47.54

46.76

51.60

40.19

46.98

3.

Investment-deposit ratio

45.00

45.56

45.55

46.54

39.80

41.56

43.15

36.90

4.

(Credit + investment)-deposit ratio

88.17

90.70

92.26

94.08

86.56

93.16

83.34

83.88

5.

Ratio of deposits to total liabilities

89.46

88.71

88.03

87.72

90.96

87.09

90.09

88.91

6.

Ratio of term deposits to total deposits

69.55

68.79

54.57

55.12

64.99

65.54

65.26

60.59

7.

Ratio of priority sector advances to total advances

35.15

40.30

34.62

36.87

30.18

25.66

37.60

32.74

8.

Ratio of term-loans to total advances

40.83

42.65

35.35

35.37

61.43

64.29

31.80

30.07

9.

Ratio of secured advances to total advances

90.92

93.77

98.67

97.33

72.03

63.14

96.93

97.63

10.

Ratio of investments in non-approved securities to total investments

25.37

25.46

18.37

15.28

22.90

17.36

21.25

20.52

11.

Ratio of Interest income to total assets

10.05

10.04

10.33

10.26

10.09

9.94

10.07

11.32

12.

Ratio of net interest margin to total assets

2.57

2.48

3.84

3.22

3.20

3.36

2.92

3.70

13.

Ratio of non-interest income to total assets

1.14

1.37

1.27

1.45

1.31

1.25

0.92

1.32

14.

Ratio of intermediation cost to total assets

2.78

2.98

3.20

3.03

3.61

3.47

2.75

3.75

15.

Ratio of wage bills to intermediation cost

69.27

72.10

77.68

77.68

78.96

78.62

65.56

79.76

16.

Ratio of wage bills to total expenses

18.78

20.40

25.63

23.38

27.14

27.16

18.22

26.33

17.

Ratio of wage bills to total income

17.22

18.84

21.41

20.12

25.00

24.39

16.42

23.67

18.

Ratio of burden to total assets

1.64

1.61

1.93

1.59

2.30

2.22

1.83

2.43

19.

Ratio of burden to interest income

16.32

16.03

18.69

15.45

22.78

22.35

18.18

21.47

20.

Ratio of operating profits to total assets

0.93

0.87

1.91

1.63

0.90

1.14

1.09

1.27

21.

Return on assets

0.53

0.52

0.80

0.75

0.71

0.89

0.51

0.29

22.

Return on equity

10.40

15.45

20.77

19.42

12.90

24.69

9.83

8.79

23.

Cost of deposits

8.28

8.11

7.05

7.63

7.63

7.23

7.91

8.28

24.

Cost of borrowings

3.81

2.64

5.25

6.76

4.09

2.03

15.13

6.91

25.

Cost of funds

8.21

7.99

7.04

7.62

7.61

7.20

7.93

8.27

26.

Return on advances

13.00

11.86

12.44

12.08

13.38

12.31

12.54

13.76

27.

Return on investments

11.41

11.98

11.46

11.89

11.64

11.85

11.91

15.74

28.

Return on advances adjusted to cost of funds

4.79

3.87

5.40

4.46

5.77

5.10

4.61

5.48

29.

Return on investments adjusted to cost of funds

3.20

4.00

4.42

4.26

4.03

4.65

3.98

7.46

30.

Business per employee (in Rs. lakh)

111.49

124.96

89.58

106.48

88.83

111.36

112.94

135.44

31.

Profit per employee (in Rs. lakh)

0.46

0.51

0.57

0.63

0.42

0.66

0.52

0.33

32.

Capital adequacy ratio

10.94

11.57

10.79

10.31

9.57

11.45

10.09

11.42

33.

Capital adequacy ratio - Tier I

7.73

7.51

6.42

6.73

5.49

7.21

7.87

6.66

34.

Capital adequacy ratio - Tier II

3.21

4.06

4.37

3.58

4.08

4.24

2.22

4.76

35.

Ratio of net NPA to net advances

10.48

9.39

8.96

8.52

3.93

3.17

8.70

7.97

(per cent)

Year ended March 31

United Bank of

UCO

Vijaya

India

Bank

Bank

1999

2000

1999

2000

1999

2000

(33)

(34)

(35)

(36)

(37)

(38)

1.

Cash-deposit ratio

11.63

12.06

10.42

8.09

11.90

10.67

2.

Credit-deposit ratio

26.48

27.18

38.29

41.56

38.88

40.44

3.

Investment-deposit ratio

61.25

60.50

53.77

54.11

45.83

43.90

4.

(Credit + investment)-deposit ratio

87.73

87.68

92.06

95.67

84.71

84.33

5.

Ratio of deposits to total liabilities

84.32

86.06

78.31

77.93

87.33

90.63

6.

Ratio of term deposits to total deposits

63.16

63.55

60.55

59.92

62.32

63.56

7.

Ratio of priority sector advances to total advances

33.34

23.48

29.24

28.74

40.43

39.77

8.

Ratio of term-loans to total advances

41.47

46.67

35.81

36.46

52.07

40.77

9.

Ratio of secured advances to total advances

98.75

99.41

81.95

78.22

94.08

89.11

10.

Ratio of investments in non-approved securities to total investments

20.92

22.85

29.19

29.78

30.87

30.38

11.

Ratio of Interest income to total assets

9.19

9.24

8.61

8.93

9.74

10.03

12.

Ratio of net interest margin to total assets

2.18

2.24

2.27

2.49

3.09

3.25

13.

Ratio of non-interest income to total assets

0.73

0.76

0.95

1.12

1.06

0.98

14.

Ratio of intermediation cost to total assets

2.61

2.54

3.03

2.82

3.02

3.18

15.

Ratio of wage bills to intermediation cost

82.57

83.00

81.29

81.04

71.03

71.84

16.

Ratio of wage bills to total expenses

22.41

22.06

26.28

24.70

22.19

22.93

17.

Ratio of wage bills to total income

21.74

21.05

25.74

22.74

19.87

20.74

18.

Ratio of burden to total assets

1.89

1.78

2.07