Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000 (Part 2 of 6) - आरबीआई - Reserve Bank of India
Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000
(Part 2 of 6)
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 | 1.70 | 1.96 | 2.20 |
19. | Ratio of burden to interest income | 20.52 | 19.22 | 24.11 | 19.00 | 20.11 | 21.94 |
20. | Ratio of operating profits to total assets | 0.29 | 0.46 | 0.20 | 0.80 | 1.13 | 1.05 |
21. | Return on assets | 0.09 | 0.17 | -0.36 | 0.18 | 0.28 | 0.38 |
22. | Return on equity | 0.76 | 1.59 | -2.66 | 1.39 | 4.24 | 9.18 |
23. | Cost of deposits | 8.25 | 8.11 | 7.69 | 7.80 | 7.45 | 7.31 |
24. | Cost of borrowings | 4.45 | 7.25 | 12.60 | 12.02 | 2.17 | 3.68 |
25. | Cost of funds | 8.22 | 8.10 | 7.78 | 7.90 | 7.37 | 7.28 |
26. | Return on advances | 11.52 | 11.38 | 11.00 | 11.02 | 13.62 | 13.18 |
27. | Return on investments | 11.91 | 12.19 | 11.17 | 11.54 | 11.46 | 12.28 |
28. | Return on advances adjusted to cost of funds | 3.30 | 3.28 | 3.22 | 3.12 | 6.25 | 5.90 |
29. | Return on investments adjusted to cost of funds | 3.69 | 4.09 | 3.40 | 3.63 | 4.09 | 5.01 |
30. | Business per employee (in Rs. lakh) | 81.46 | 100.28 | 73.00 | 89.00 | 89.86 | 105.49 |
31. | Profit per employee (in Rs. lakh) | 0.07 | 0.15 | -0.20 | 0.12 | 0.22 | 0.36 |
32. | Capital adequacy ratio | 9.60 | 9.60 | 9.63 | 9.15 | 10.00 | 10.61 |
33. | Capital adequacy ratio - Tier I | 8.10 | 8.20 | 7.22 | 6.59 | 5.70 | 6.01 |
34. | Capital adequacy ratio - Tier II | 1.50 | 1.40 | 2.41 | 2.56 | 4.30 | 4.60 |
35. | Ratio of net NPA to net advances | 14.70 | 12.70 | 10.83 | 8.75 | 6.72 | 6.65 |
Source : Compiled from annual accounts of banks of respective years. |