Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000 (Part 3 of 6) - आरबीआई - Reserve Bank of India
Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000
(Part 3 of 6)
OTHER SCHEDULED COMMERCIAL BANKS |
| | | | | | | | | (per cent) |
Year ended March 31 | |||||||||
Bank of | Bank of | Bank of | Benares State | ||||||
Madura | Punjab | Rajasthan | Bank | ||||||
Ratio | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |
| | (1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) |
1. | Cash-deposit ratio | 11.65 | 12.56 | 11.06 | 9.97 | 11.49 | 11.00 | 11.06 | 14.85 |
2. | Credit-deposit ratio | 46.26 | 45.87 | 47.69 | 49.91 | 49.83 | 53.31 | 26.24 | 25.67 |
3. | Investment-deposit ratio | 37.59 | 47.17 | 46.58 | 49.75 | 36.52 | 38.41 | 50.88 | 54.16 |
4. | (Credit + investment)-deposit ratio | 83.85 | 93.04 | 94.27 | 99.65 | 86.35 | 91.72 | 77.12 | 79.84 |
5. | Ratio of deposits to total liabilities | 83.04 | 81.71 | 83.39 | 81.62 | 81.31 | 78.53 | 89.67 | 89.94 |
6. | Ratio of term deposits to total deposits | 66.09 | 64.04 | 70.62 | 68.25 | 61.29 | 59.48 | 68.10 | 68.23 |
7. | Ratio of priority sector advances to total advances | 26.60 | 28.93 | 17.17 | 26.79 | 35.73 | 29.25 | 49.54 | 36.71 |
8. | Ratio of term-loans to total advances | 35.00 | 39.64 | 32.91 | 38.24 | 34.20 | 31.49 | 21.99 | 25.72 |
9. | Ratio of secured advances to total advances | 88.07 | 67.06 | 94.57 | 71.69 | 92.39 | 92.91 | 99.92 | 99.29 |
10. | Ratio of investments in non-approved securities to total investments | 37.03 | 28.07 | 43.78 | 28.79 | 13.92 | 17.41 | 42.51 | 54.95 |
11. | Ratio of Interest income to total assets | 9.21 | 9.17 | 10.17 | 9.89 | 9.89 | 10.25 | 9.68 | 9.89 |
12. | Ratio of net interest margin to total assets | 1.94 | 2.58 | 2.25 | 2.77 | 1.82 | 2.40 | 1.57 | 1.35 |
13. | Ratio of non-interest income to total assets | 2.81 | 2.45 | 2.33 | 1.74 | 1.23 | 1.37 | 1.10 | 1.78 |
14. | Ratio of intermediation cost to total assets | 3.01 | 2.66 | 2.30 | 2.49 | 3.37 | 3.30 | 3.68 | 3.07 |
15. | Ratio of wage bills to intermediation cost | 45.82 | 58.45 | 16.97 | 11.74 | 68.52 | 70.34 | 70.44 | 69.61 |
16. | Ratio of wage bills to total expenses | 13.42 | 16.81 | 3.82 | 3.04 | 20.18 | 20.81 | 21.99 | 18.38 |
17. | Ratio of wage bills to total income | 11.48 | 13.39 | 3.13 | 2.51 | 20.75 | 19.97 | 24.05 | 18.29 |
18. | Ratio of burden to total assets | 0.20 | 0.21 | -0.03 | 0.75 | 2.14 | 1.93 | 2.58 | 1.29 |
19. | Ratio of burden to interest income | 2.21 | 2.34 | -0.27 | 7.55 | 21.61 | 18.82 | 26.68 | 13.04 |
20. | Ratio of operating profits to total assets | 1.74 | 2.37 | 2.27 | 2.03 | -0.32 | 0.47 | -1.01 | 0.06 |
21. | Return on assets | 0.83 | 1.12 | 1.53 | 1.04 | -1.90 | 0.30 | 2.86 | 0.57 |
22. | Return on equity | 15.09 | 19.86 | 22.62 | 20.80 | -35.75 | 5.45 | -30.87 | -8.19 |
23. | Cost of deposits | 8.16 | 7.27 | 9.14 | 8.02 | 9.70 | 9.74 | 9.08 | 9.47 |
24. | Cost of borrowings | 4.61 | 3.69 | 12.25 | 9.40 | 10.84 | 9.97 | 10.16 | 10.40 |
25. | Cost of funds | 7.90 | 7.07 | 9.21 | 8.11 | 9.72 | 9.75 | 9.08 | 9.48 |
26. | Return on advances | 11.03 | 12.10 | 12.07 | 11.62 | 12.29 | 12.71 | 12.02 | 11.25 |
27. | Return on investments | 11.92 | 10.27 | 12.97 | 12.37 | 11.99 | 12.81 | 13.49 | 14.64 |
28. | Return on advances adjusted to cost of funds | 3.13 | 5.03 | 2.86 | 3.51 | 2.57 | 2.97 | 2.93 | 1.77 |
29. | Return on investments adjusted to cost of funds | 4.02 | 3.20 | 3.76 | 4.26 | 2.27 | 3.07 | 4.40 | 5.16 |
30. | Business per employee (in Rs. lakh) | 171.00 | 202.00 | 379.57 | 712.05 | 99.00 | 111.37 | 71.79 | 86.03 |
31. | Profit per employee (in Rs. lakh) | 1.71 | 1.73 | 6.14 | 6.03 | -1.54 | 0.28 | 1.43 | 0.40 |
32. | Capital adequacy ratio | 14.25 | 15.83 | 14.64 | 9.81 | 0.83 | 5.73 | Neg. | Neg. |
33. | Capital adequacy ratio - Tier I | 13.00 | 14.72 | 14.64 | 9.81 | 0.42 | 5.10 | Neg. | Neg. |
34. | Capital adequacy ratio - Tier II | 1.25 | 1.11 | | | 0.41 | 0.63 | Neg. | Neg. |
35. | Ratio of net NPA to net advances | 5.70 | 4.70 | 3.66 | 2.32 | 9.50 | 9.65 | 29.71 | 24.70 |
| | | | | | | | | (per cent) |
Year ended March 31 | |||||||||
Bharat Overseas | Catholic Syrian | Centurion | City Union | ||||||
Bank | Bank | Bank | Bank | ||||||
Ratio | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |
| | (9) | (10) | (11) | (12) | (13) | (14) | (15) | (16) |
1. | Cash-deposit ratio | 7.31 | 5.77 | 8.52 | 7.44 | 5.91 | 8.60 | 11.91 | 10.01 |
2. | Credit-deposit ratio | 49.56 | 48.82 | 44.41 | 43.16 | 63.08 | 47.58 | 54.32 | 57.40 |
3. | Investment-deposit ratio | 31.79 | 32.40 | 37.73 | 40.47 | 44.34 | 56.88 | 38.74 | 39.61 |
4. | (Credit + investment)-deposit ratio | 81.35 | 81.22 | 82.14 | 83.63 | 107.42 | 104.46 | 93.05 | 97.00 |
5. | Ratio of deposits to total liabilities | 84.58 | 87.14 | 92.16 | 91.30 | 68.96 | 74.02 | 86.71 | 86.93 |
6. | Ratio of term deposits to total deposits | 79.23 | 77.15 | 76.69 | 74.77 | 87.58 | 88.46 | 80.33 | 75.99 |
7. | Ratio of priority sector advances to total advances | 26.89 | 25.26 | 31.63 | 28.89 | 8.36 | 5.05 | 35.39 | 33.91 |
8. | Ratio of term-loans to total advances | 17.41 | 21.81 | 41.32 | 40.17 | 45.16 | 49.90 | 24.91 | 22.95 |
9. | Ratio of secured advances to total advances | 85.37 | 85.34 | 92.88 | 94.03 | 95.67 | 83.95 | 95.26 | 96.09 |
10. | Ratio of investments in non-approved securities to total investments | 12.75 | 14.23 | 24.13 | 24.05 | 50.22 | 48.58 | 18.97 | 22.31 |
11. | Ratio of Interest income to total assets | 10.29 | 8.90 | 11.71 | 11.31 | 16.83 | 10.63 | 11.70 | 11.89 |
12. | Ratio of net interest margin to total assets | 2.23 | 2.22 | 2.10 | 2.52 | 4.20 | 1.93 | 2.06 | 3.16 |
13. | Ratio of non-interest income to total assets | 1.31 | 1.27 | 1.12 | 1.68 | 1.90 | 2.13 | 2.16 | 2.24 |
14. | Ratio of intermediation cost to total assets | 2.33 | 2.19 | 2.98 | 3.18 | 4.76 | 2.50 | 2.28 | 2.08 |
15. | Ratio of wage bills to intermediation cost | 50.22 | 49.82 | 68.80 | 73.97 | 9.10 | 10.49 | 56.98 | 64.19 |
16. | Ratio of wage bills to total expenses | 11.25 | 12.30 | 16.30 | 19.66 | 2.49 | 2.34 | 10.88 | 12.34 |
17. | Ratio of wage bills to total income | 10.08 | 10.73 | 16.00 | 18.12 | 2.32 | 2.05 | 9.36 | 9.44 |
18. | Ratio of burden to total assets | 1.02 | 0.92 | 1.87 | 1.50 | 2.87 | 0.37 | 0.12 | -0.16 |
19. | Ratio of burden to interest income | 9.90 | 10.34 | 15.92 | 13.25 | 17.03 | 3.44 | 1.03 | -1.35 |
20. | Ratio of operating profits to total assets | 1.21 | 1.30 | 0.23 | 1.02 | 1.34 | 1.56 | 1.94 | 3.32 |
21. | Return on assets | 0.74 | 0.07 | 0.02 | 0.25 | 0.92 | 0.82 | 0.88 | 1.28 |
22. | Return on equity | 15.31 | 1.23 | 0.88 | 12.24 | 14.04 | 17.86 | 15.94 | 20.60 |
23. | Cost of deposits | 9.07 | 7.48 | 10.16 | 9.19 | 11.76 | 9.12 | 10.61 | 9.77 |
24. | Cost of borrowings | 6.16 | 4.94 | 1.00 | 3.78 | 15.42 | 5.68 | 4.25 | 5.88 |
25. | Cost of funds | 8.94 | 7.39 | 9.91 | 9.04 | 12.40 | 8.45 | 10.44 | 9.66 |
26. | Return on advances | 12.99 | 11.04 | 14.84 | 14.24 | 19.30 | 13.52 | 15.19 | 14.87 |
27. | Return on investments | 11.87 | 10.98 | 13.11 | 13.33 | 14.30 | 10.69 | 10.33 | 12.76 |
28. | Return on advances adjusted to cost of funds | 4.05 | 3.65 | 4.93 | 5.20 | 6.90 | 5.07 | 4.75 | 5.21 |
29. | Return on investments adjusted to cost of funds | 2.93 | 3.59 | 3.20 | 4.29 | 1.91 | 2.24 | -0.12 | 3.10 |
30. | Business per employee (in Rs. lakh) | 188.00 | 205.00 | 94.00 | 107.00 | 553.62 | 688.73 | 138.89 | 155.94 |
31. | Profit per employee (in Rs. lakh) | 1.08 | 0.10 | 0.01 | 0.21 | 4.81 | 9.14 | 0.90 | 1.48 |
32. | Capital adequacy ratio | 13.70 | 12.68 | 6.06 | 5.94 | 8.45 | 15.62 | 14.30 | 13.33 |
33. | Capital adequacy ratio - Tier I | 12.97 | 12.29 | 3.56 | 3.89 | 8.45 | 6.31 | 14.24 | 13.05 |
34. | Capital adequacy ratio - Tier II | 0.73 | 0.39 | 2.50 | 2.05 | | 9.31 | 0.06 | 0.28 |
35. | Ratio of net NPA to net advances | 4.13 | 6.39 | 14.88 | 12.41 | 3.73 | 2.70 | 7.96 | 7.26 |
| | | | | | | | | (per cent) |
Year ended March 31 | |||||||||
Development | Dhanalakshmi | Federal | Ganesh Bank of | ||||||
Credit Bank | Bank | Bank | Kurundwad | ||||||
Ratio | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |
| | (17) | (18) | (19) | (20) | (21) | (22) | (23) | (24) |
1. | Cash-deposit ratio | 10.99 | 6.55 | 13.49 | 9.44 | 6.57 | 6.04 | 12.16 | 12.54 |
2. | Credit-deposit ratio | 54.23 | 59.21 | 48.97 | 55.42 | 62.34 | 62.44 | 58.60 | 56.56 |
3. | Investment-deposit ratio | 45.78 | 41.58 | 34.57 | 40.25 | 38.36 | 41.25 | 23.11 | 24.67 |
4. | (Credit + investment)-deposit ratio | 100.01 | 100.79 | 83.54 | 95.67 | 100.70 | 103.69 | 81.70 | 81.23 |
5. | Ratio of deposits to total liabilities | 79.82 | 83.16 | 89.51 | 87.87 | 83.99 | 85.02 | 90.94 | 92.32 |
6. | Ratio of term deposits to total deposits | 81.73 | 83.11 | 82.66 | 79.21 | 81.15 | 77.76 | 77.53 | 76.13 |
7. | Ratio of priority sector advances to total advances | 33.86 | 34.67 | 28.78 | 30.86 | 29.04 | 35.43 | 46.21 | 49.40 |
8. | Ratio of term-loans to total advances | 37.61 | 35.85 | 33.96 | 31.01 | 23.63 | 30.19 | 64.04 | 64.83 |
9. | Ratio of secured advances to total advances | 85.24 | 74.54 | 92.82 | 91.30 | 89.22 | 96.82 | 100.00 | 96.55 |
10. | Ratio of investments in non-approved securities to total investments | 31.17 | 28.04 | 33.08 | 25.57 | 30.57 | 30.90 | 4.23 | 3.97 |
11. | Ratio of Interest income to total assets | 10.63 | 9.26 | 10.99 | 10.97 | 11.17 | 11.25 | 11.97 | 11.97 |
12. | Ratio of net interest margin to total assets | 2.59 | 1.99 | 2.30 | 2.87 | 1.14 | 2.30 | 2.24 | 2.62 |
13. | Ratio of non-interest income to total assets | 1.53 | 2.36 | 1.04 | 1.66 | 1.47 | 1.69 | 0.96 | 0.66 |
14. | Ratio of intermediation cost to total assets | 2.68 | 2.13 | 2.31 | 2.31 | 1.97 | 2.26 | 2.62 | 2.40 |
15. | Ratio of wage bills to intermediation cost | 42.91 | 43.25 | 64.02 | 65.45 | 61.16 | 66.68 | 58.33 | 59.43 |
16. | Ratio of wage bills to total expenses | 10.72 | 9.80 | 13.46 | 14.52 | 10.04 | 13.44 | 12.36 | 12.13 |
17. | Ratio of wage bills to total income | 9.45 | 7.93 | 12.31 | 11.96 | 9.53 | 11.65 | 11.81 | 11.28 |
18. | Ratio of burden to total assets | 1.15 | -0.23 | 1.28 | 0.65 | 0.50 | 0.57 | 1.66 | 1.74 |
19. | Ratio of burden to interest income | 10.78 | -2.48 | 11.61 | 5.90 | 4.48 | 5.09 | 13.85 | 14.54 |
20. | Ratio of operating profits to total assets | 1.44 | 2.22 | 1.03 | 2.02 | 0.64 | 1.73 | 0.58 | 0.88 |
21. | Return on assets | 1.13 | 1.18 | 0.28 | 0.71 | 0.04 | 0.62 | 11.90 | 11.55 |
22. | Return on equity | 9.65 | 12.11 | 5.93 | 16.08 | 0.73 | 13.55 | 1.92 | 3.49 |
23. | Cost of deposits | 9.46 | 8.13 | 9.49 | 8.98 | 11.23 | 9.49 | 10.22 | 9.87 |
24. | Cost of borrowings | 5.11 | 7.81 | 0.87 | 2.42 | 1.63 | 3.17 | 22.57 | 25.88 |
25. | Cost of funds | 9.17 | 8.11 | 9.31 | 8.82 | 10.74 | 9.10 | 10.56 | 10.07 |
26. | Return on advances | 12.81 | 11.48 | 14.26 | 13.56 | 12.39 | 12.80 | 16.61 | 16.18 |
27. | Return on investments | 13.13 | 10.18 | 12.82 | 12.23 | 13.05 | 12.09 | 12.44 | 13.26 |
28. | Return on advances adjusted to cost of funds | 3.65 | 3.37 | 4.95 | 4.74 | 1.65 | 3.70 | 6.06 | 6.11 |
29. | Return on investments adjusted to cost of funds | 3.97 | 2.07 | 3.51 | 3.41 | 2.31 | 2.98 | 1.88 | 3.20 |
30. | Business per employee (in Rs. lakh) | 227.82 | 344.00 | 131.17 | 153.66 | 153.00 | 161.00 | 81.76 | 94.77 |
31. | Profit per employee (in Rs. lakh) | 1.67 | 2.26 | 0.28 | 0.82 | 0.04 | 0.72 | 0.04 | 0.09 |
32. | Capital adequacy ratio | 16.90 | 11.34 | 10.06 | 10.02 | 10.32 | 11.33 | 8.26 | 9.14 |
33. | Capital adequacy ratio - Tier I | 16.01 | 10.83 | 8.50 | 7.66 | 6.48 | 7.72 | 4.11 | 4.66 |
34. | Capital adequacy ratio - Tier II | 0.89 | 0.51 | 1.56 | 2.36 | 3.84 | 3.61 | 4.15 | 4.48 |
35. | Ratio of net NPA to net advances | 4.79 | 5.86 | 12.33 | 11.08 | 7.53 | 8.56 | 7.03 | 9.93 |
| | | | | | | | | (per cent) |
Year ended March 31 | |||||||||
Global Trust | HDFC | ICICI | IDBI | ||||||
Bank | Bank | Bank | Bank | ||||||
Ratio | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |
| | (25) | (26) | (27) | (28) | (29) | (30) | (31) | (32) |
1. | Cash-deposit ratio | 11.56 | 8.29 | 10.00 | 10.08 | 7.67 | 7.32 | 9.29 | 11.46 |
2. | Credit-deposit ratio | 51.71 | 51.80 | 48.04 | 39.90 | 34.75 | 37.07 | 39.05 | 46.42 |
3. | Investment-deposit ratio | 47.89 | 47.20 | 65.31 | 68.21 | 47.11 | 44.77 | 58.77 | 61.60 |
4. | (Credit + investment)-deposit ratio | 99.60 | 99.00 | 113.35 | 108.10 | 81.86 | 81.84 | 97.83 | 108.02 |
5. | Ratio of deposits to total liabilities | 78.78 | 82.31 | 67.01 | 72.30 | 86.98 | 81.72 | 80.47 | 76.42 |
6. | Ratio of term deposits to total deposits | 87.72 | 81.61 | 54.44 | 53.67 | 86.77 | 78.50 | 74.54 | 82.55 |
7. | Ratio of priority sector advances to total advances | 24.21 | 21.91 | 14.24 | 17.42 | 22.64 | 13.60 | 23.92 | 21.18 |
8. | Ratio of term-loans to total advances | 26.30 | 24.89 | 43.04 | 39.35 | 12.87 | 10.35 | 26.90 | 35.04 |
9. | Ratio of secured advances to total advances | 96.66 | 99.48 | 62.48 | 93.90 | 89.23 | 79.41 | 90.64 | 80.10 |
10. | Ratio of investments in non-approved securities to total investments | 46.03 | 40.65 | 46.72 | 43.82 | 46.62 | 36.27 | 52.70 | 51.39 |
11. | Ratio of Interest income to total assets | 10.94 | 10.15 | 10.48 | 8.50 | 10.60 | 8.95 | 10.50 | 10.69 |
12. | Ratio of net interest margin to total assets | 1.18 | 2.19 | 4.09 | 3.82 | 2.31 | 1.95 | 2.28 | 2.30 |
13. | Ratio of non-interest income to total assets | 3.26 | 3.66 | 1.90 | 1.57 | 1.74 | 2.04 | 1.03 | 1.39 |
14. | Ratio of intermediation cost to total assets | 2.11 | 1.95 | 2.47 | 2.14 | 1.62 | 1.61 | 1.93 | 1.58 |
15. | Ratio of wage bills to intermediation cost | 13.90 | 14.63 | 24.85 | 28.32 | 21.92 | 23.72 | 19.95 | 22.47 |
16. | Ratio of wage bills to total expenses | 2.47 | 2.87 | 6.94 | 8.89 | 3.58 | 4.43 | 3.79 | 3.56 |
17. | Ratio of wage bills to total income | 2.06 | 2.06 | 4.97 | 6.03 | 2.87 | 3.47 | 3.34 | 2.94 |
18. | Ratio of burden to total assets | -1.15 | -1.71 | 0.58 | 0.58 | -0.12 | -0.43 | 0.90 | 0.19 |
19. | Ratio of burden to interest income | -10.51 | -16.83 | 5.51 | 6.77 | -1.11 | -4.78 | 8.60 | 1.78 |
20. | Ratio of operating profits to total assets | 2.33 | 3.90 | 3.51 | 3.24 | 2.43 | 2.38 | 1.38 | 0.28 |
21. | Return on assets | 1.36 | 1.44 | 1.89 | 1.84 | 0.91 | 0.87 | 0.90 | 1.35 |
22. | Return on equity | 26.64 | 26.54 | 22.76 | 19.14 | 22.04 | 14.45 | 17.99 | 25.58 |
23. | Cost of deposits | 11.08 | 8.62 | 6.89 | 5.05 | 8.55 | 7.28 | 8.62 | 8.80 |
24. | Cost of borrowings | 5.66 | 5.83 | 15.97 | 6.89 | 10.41 | 6.81 | 9.54 | 10.31 |
25. | Cost of funds | 10.73 | 8.40 | 7.71 | 5.31 | 8.63 | 7.26 | 8.71 | 9.00 |
26. | Return on advances | 15.09 | 14.26 | 12.77 | 11.21 | 13.96 | 12.06 | 13.97 | 12.93 |
27. | Return on investments | 11.45 | 10.11 | 12.05 | 9.59 | 10.73 | 11.26 | 11.67 | 12.59 |
28. | Return on advances adjusted to cost of funds | 4.36 | 5.87 | 5.06 | 5.90 | 5.33 | 4.80 | 5.26 | 3.93 |
29. | Return on investments adjusted to cost of funds | 0.73 | 1.72 | 4.34 | 4.27 | 2.11 | 3.99 | 2.96 | 3.59 |
30. | Business per employee (in Rs. lakh) | 690.00 | 855.00 | 522.00 | 942.00 | 513.91 | 594.99 | 913.06 | 923.01 |
31. | Profit per employee (in Rs. lakh) | 9.00 | 12.00 | 9.96 | 9.60 | 7.11 | 7.83 | 7.34 | 11.15 |
32. | Capital adequacy ratio | 11.97 | 13.68 | 11.86 | 12.19 | 11.06 | 19.64 | 11.26 | 11.80 |
33. | Capital adequacy ratio - Tier I | 7.62 | 9.85 | 8.34 | 9.56 | 7.32 | 17.42 | 11.21 | 8.43 |
34. | Capital adequacy ratio - Tier II | 4.35 | 3.83 | 3.52 | 2.63 | 3.74 | 2.22 | 0.05 | 3.37 |
35. | Ratio of net NPA to net advances | 2.15 | 0.87 | 1.08 | 0.77 | 2.88 | 1.53 | 1.28 | 1.95 |
Source : Compiled from annual accounts of banks of respective years. |