Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000 (Part 5 of 6) - आरबीआई - Reserve Bank of India
Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000
(Part 5 of 6)
FOREIGN BANKS |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
ABN Amro |
Abu-dhabi |
American |
Arab Bangladesh |
||||||
Bank |
Commercial Bank |
Express Bank |
Bank |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. |
Cash-deposit ratio |
9.55 |
9.87 |
3.68 |
3.26 |
9.33 |
7.75 |
5.60 |
3.60 |
2. |
Credit-deposit ratio |
110.39 |
113.83 |
46.89 |
40.07 |
55.47 |
62.89 |
31.03 |
24.77 |
3. |
Investment-deposit ratio |
65.31 |
79.38 |
44.92 |
41.27 |
75.13 |
86.49 |
29.78 |
22.95 |
4. |
(Credit + investment)-deposit ratio |
175.71 |
193.21 |
91.81 |
81.34 |
130.61 |
149.37 |
60.81 |
47.71 |
5. |
Ratio of deposits to total liabilities |
47.29 |
45.54 |
72.13 |
87.67 |
52.91 |
52.04 |
35.75 |
40.61 |
6. |
Ratio of term deposits to total deposits |
73.89 |
59.09 |
80.99 |
83.14 |
70.47 |
61.28 |
40.43 |
37.18 |
7. |
Ratio of priority sector advances to total advances |
40.20 |
34.85 |
13.61 |
16.27 |
29.83 |
34.05 |
63.28 |
16.07 |
8. |
Ratio of term-loans to total advances |
24.51 |
36.58 |
9.24 |
20.99 |
15.48 |
22.93 |
25.93 |
0.00 |
9. |
Ratio of secured advances to total advances |
91.26 |
88.78 |
79.92 |
82.73 |
53.69 |
42.82 |
100.00 |
100.00 |
10. |
Ratio of investments in non-approved securities to total investments |
41.90 |
49.53 |
38.40 |
35.91 |
44.23 |
44.17 |
1.00 |
14.28 |
11. |
Ratio of Interest income to total assets |
10.86 |
10.53 |
9.99 |
10.98 |
10.63 |
10.10 |
7.91 |
7.88 |
12. |
Ratio of net interest margin to total assets |
3.88 |
4.21 |
2.24 |
2.09 |
2.80 |
3.55 |
6.38 |
6.35 |
13. |
Ratio of non-interest income to total assets |
2.89 |
2.18 |
1.70 |
1.51 |
3.56 |
4.74 |
3.04 |
2.54 |
14. |
Ratio of intermediation cost to total assets |
2.45 |
2.40 |
1.12 |
1.10 |
4.55 |
5.80 |
2.27 |
2.26 |
15. |
Ratio of wage bills to intermediation cost |
30.60 |
24.99 |
39.54 |
38.61 |
38.22 |
41.34 |
33.88 |
37.14 |
16. |
Ratio of wage bills to total expenses |
7.95 |
6.87 |
5.00 |
4.26 |
14.06 |
19.42 |
20.20 |
22.18 |
17. |
Ratio of wage bills to total income |
5.45 |
4.72 |
3.80 |
3.41 |
12.27 |
16.16 |
7.02 |
8.06 |
18. |
Ratio of burden to total assets |
-0.44 |
0.22 |
-0.58 |
-0.41 |
0.99 |
1.06 |
-0.77 |
-0.28 |
19. |
Ratio of burden to interest income |
-4.08 |
2.08 |
-5.83 |
-3.71 |
9.33 |
10.50 |
-9.72 |
-3.54 |
20. |
Ratio of operating profits to total assets |
4.32 |
3.99 |
2.82 |
2.50 |
1.81 |
2.49 |
7.14 |
6.63 |
21. |
Return on assets |
2.20 |
1.58 |
0.32 |
0.52 |
0.25 |
1.02 |
3.67 |
3.05 |
22. |
Return on equity |
29.46 |
25.81 |
8.48 |
11.84 |
2.36 |
10.97 |
5.99 |
5.20 |
23. |
Cost of deposits |
7.47 |
5.20 |
8.29 |
9.13 |
9.30 |
6.53 |
4.04 |
3.92 |
24. |
Cost of borrowings |
4.51 |
7.00 |
8.40 |
3.56 |
5.63 |
4.87 |
.. |
1.14 |
25. |
Cost of funds |
6.17 |
6.05 |
8.30 |
8.59 |
8.16 |
5.89 |
4.04 |
3.82 |
26. |
Return on advances |
13.64 |
11.87 |
11.57 |
12.04 |
13.69 |
11.98 |
15.41 |
14.55 |
27. |
Return on investments |
11.95 |
11.68 |
11.35 |
15.76 |
13.31 |
11.53 |
8.71 |
10.83 |
28. |
Return on advances adjusted to cost of funds |
7.48 |
5.83 |
3.26 |
3.45 |
5.54 |
6.08 |
11.37 |
10.72 |
29. |
Return on investments adjusted to cost of funds |
5.78 |
5.63 |
3.04 |
7.17 |
5.16 |
5.63 |
4.67 |
7.01 |
30. |
Business per employee (in Rs. lakh) |
731.53 |
857.06 |
880.30 |
1033.87 |
314.40 |
290.24 |
133.05 |
151.18 |
31. |
Profit per employee (in Rs. lakh) |
17.55 |
13.91 |
2.64 |
4.39 |
0.86 |
3.17 |
9.77 |
9.42 |
32. |
Capital adequacy ratio |
9.27 |
10.09 |
10.01 |
10.61 |
9.25 |
10.09 |
124.00 |
123.00 |
33. |
Capital adequacy ratio - Tier I |
8.94 |
8.23 |
8.76 |
9.36 |
9.08 |
9.91 |
124.00 |
123.00 |
34. |
Capital adequacy ratio - Tier II |
0.33 |
1.86 |
1.25 |
1.25 |
0.17 |
0.18 |
|
|
35. |
Ratio of net NPA to net advances |
0.45 |
0.30 |
3.59 |
2.10 |
|
|
|
6.07 |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Bank International |
Bank Muscat |
Bank of |
Bank of Bahrain |
||||||
Indonesia |
International |
America |
& Kuwait |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. |
Cash-deposit ratio |
16.17 |
11.33 |
8.26 |
3.57 |
9.28 |
6.21 |
5.15 |
6.65 |
2. |
Credit-deposit ratio |
131.51 |
95.69 |
39.05 |
21.52 |
103.75 |
145.61 |
76.57 |
69.68 |
3. |
Investment-deposit ratio |
92.16 |
185.98 |
43.21 |
18.05 |
62.91 |
51.81 |
54.80 |
43.67 |
4. |
(Credit + investment)-deposit ratio |
223.67 |
281.67 |
82.26 |
39.57 |
166.65 |
197.43 |
131.38 |
113.34 |
5. |
Ratio of deposits to total liabilities |
23.58 |
16.32 |
30.03 |
68.64 |
48.40 |
44.23 |
59.32 |
65.58 |
6. |
Ratio of term deposits to total deposits |
96.70 |
82.34 |
94.84 |
92.53 |
73.20 |
78.14 |
88.05 |
88.53 |
7. |
Ratio of priority sector advances to total advances |
36.98 |
|
4.98 |
27.49 |
23.60 |
10.41 |
28.70 |
28.67 |
8. |
Ratio of term-loans to total advances |
7.08 |
15.74 |
62.32 |
63.58 |
36.23 |
24.43 |
28.28 |
40.52 |
9. |
Ratio of secured advances to total advances |
99.85 |
93.75 |
99.72 |
99.91 |
57.88 |
32.39 |
94.25 |
69.44 |
10. |
Ratio of investments in non-approved securities to total investments |
33.78 |
28.71 |
33.55 |
30.04 |
32.49 |
16.90 |
27.36 |
27.98 |
11. |
Ratio of Interest income to total assets |
8.99 |
9.00 |
7.55 |
8.44 |
12.94 |
10.31 |
10.94 |
11.00 |
12. |
Ratio of net interest margin to total assets |
1.93 |
2.53 |
5.63 |
3.05 |
4.52 |
4.07 |
1.18 |
1.68 |
13. |
Ratio of non-interest income to total assets |
2.18 |
2.28 |
1.28 |
1.85 |
1.51 |
3.19 |
1.46 |
2.10 |
14. |
Ratio of intermediation cost to total assets |
8.58 |
13.70 |
9.84 |
4.00 |
1.99 |
2.86 |
1.93 |
1.89 |
15. |
Ratio of wage bills to intermediation cost |
10.07 |
6.82 |
26.55 |
32.04 |
31.38 |
50.84 |
26.11 |
36.19 |
16. |
Ratio of wage bills to total expenses |
5.52 |
4.63 |
22.22 |
13.66 |
5.99 |
15.98 |
4.31 |
6.11 |
17. |
Ratio of wage bills to total income |
7.73 |
8.28 |
29.61 |
12.46 |
4.32 |
10.77 |
4.06 |
5.23 |
18. |
Ratio of burden to total assets |
6.40 |
11.42 |
8.56 |
2.15 |
0.47 |
-0.33 |
0.47 |
-0.21 |
19. |
Ratio of burden to interest income |
71.14 |
126.86 |
113.46 |
25.50 |
3.66 |
-3.20 |
4.32 |
-1.90 |
20. |
Ratio of operating profits to total assets |
-4.47 |
-8.89 |
-2.93 |
0.90 |
4.04 |
4.40 |
0.71 |
1.89 |
21. |
Return on assets |
-17.99 |
-8.10 |
|
1.07 |
1.99 |
1.02 |
0.71 |
0.90 |
22. |
Return on equity |
-35.96 |
-15.00 |
-4.72 |
1.83 |
23.22 |
23.05 |
10.42 |
11.01 |
23. |
Cost of deposits |
7.85 |
8.80 |
5.51 |
8.14 |
11.55 |
8.42 |
11.75 |
11.26 |
24. |
Cost of borrowings |
12.10 |
15.91 |
4.00 |
12.44 |
7.44 |
6.29 |
10.64 |
10.92 |
25. |
Cost of funds |
9.36 |
12.91 |
5.24 |
8.52 |
9.97 |
7.48 |
11.51 |
11.19 |
26. |
Return on advances |
14.82 |
14.71 |
3.47 |
14.40 |
16.58 |
12.47 |
13.97 |
12.78 |
27. |
Return on investments |
8.81 |
12.25 |
0.00 |
11.50 |
11.87 |
10.64 |
11.33 |
12.44 |
28. |
Return on advances adjusted to cost of funds |
5.46 |
1.80 |
-1.77 |
5.88 |
6.61 |
5.00 |
2.47 |
1.59 |
29. |
Return on investments adjusted to cost of funds |
-0.55 |
-0.66 |
-5.24 |
2.98 |
1.90 |
3.16 |
-0.17 |
1.25 |
30. |
Business per employee (in Rs. lakh) |
195.60 |
490.33 |
75.29 |
278.57 |
991.40 |
1312.05 |
611.10 |
689.90 |
31. |
Profit per employee (in Rs. lakh) |
-53.06 |
-44.00 |
|
3.77 |
20.22 |
30.14 |
4.16 |
5.58 |
32. |
Capital adequacy ratio |
57.26 |
59.92 |
212.45 |
70.06 |
9.26 |
12.93 |
13.38 |
12.14 |
33. |
Capital adequacy ratio - Tier I |
57.26 |
59.92 |
212.45 |
70.06 |
8.89 |
12.44 |
13.20 |
12.14 |
34. |
Capital adequacy ratio - Tier II |
|
|
|
|
0.37 |
0.49 |
0.18 |
|
35. |
Ratio of net NPA to net advances |
10.53 |
48.78 |
|
2.38 |
|
1.92 |
11.34 |
7.72 |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Bank of |
Bank of |
Bank of |
Banque Nationale |
||||||
Ceylon |
Nova Scotia |
Tokyo |
de Paris |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
1. |
Cash-deposit ratio |
7.65 |
4.71 |
5.18 |
6.29 |
12.78 |
10.14 |
12.14 |
9.09 |
2. |
Credit-deposit ratio |
189.06 |
175.50 |
103.59 |
128.45 |
50.03 |
62.27 |
64.43 |
63.68 |
3. |
Investment-deposit ratio |
29.69 |
29.86 |
29.31 |
30.35 |
30.57 |
35.02 |
104.66 |
99.92 |
4. |
(Credit + investment)-deposit ratio |
218.76 |
205.36 |
132.90 |
158.80 |
80.60 |
97.30 |
169.09 |
163.60 |
5. |
Ratio of deposits to total liabilities |
33.94 |
31.98 |
62.81 |
53.22 |
81.29 |
71.68 |
43.32 |
46.45 |
6. |
Ratio of term deposits to total deposits |
72.41 |
74.93 |
86.01 |
90.41 |
58.34 |
55.14 |
69.35 |
66.49 |
7. |
Ratio of priority sector advances to total advances |
38.74 |
41.30 |
46.30 |
38.68 |
5.98 |
3.59 |
29.86 |
33.12 |
8. |
Ratio of term-loans to total advances |
7.32 |
4.85 |
39.55 |
53.77 |
36.42 |
34.73 |
31.99 |
32.01 |
9. |
Ratio of secured advances to total advances |
83.37 |
89.39 |
88.86 |
85.29 |
81.35 |
81.74 |
77.06 |
53.41 |
10. |
Ratio of investments in non-approved securities to total investments |
0.00 |
0.00 |
7.78 |
9.13 |
0.65 |
0.76 |
46.52 |
46.80 |
11. |
Ratio of Interest income to total assets |
11.20 |
9.87 |
12.00 |
9.29 |
9.83 |
10.80 |
9.43 |
9.92 |
12. |
Ratio of net interest margin to total assets |
6.53 |
5.72 |
3.41 |
2.99 |
3.50 |
5.24 |
3.36 |
2.79 |
13. |
Ratio of non-interest income to total assets |
2.95 |
3.33 |
2.90 |
2.23 |
2.41 |
4.59 |
1.38 |
1.96 |
14. |
Ratio of intermediation cost to total assets |
1.99 |
1.76 |
1.63 |
1.64 |
32.16 |
39.01 |
2.35 |
2.40 |
15. |
Ratio of wage bills to intermediation cost |
23.43 |
23.41 |
27.04 |
30.75 |
3.85 |
11.70 |
43.35 |
45.61 |
16. |
Ratio of wage bills to total expenses |
7.00 |
6.98 |
4.32 |
6.35 |
3.21 |
8.05 |
12.10 |
11.50 |
17. |
Ratio of wage bills to total income |
3.29 |
3.13 |
2.96 |
4.38 |
10.11 |
9.32 |
9.42 |
9.23 |
18. |
Ratio of burden to total assets |
-0.96 |
-1.57 |
-1.27 |
-0.59 |
29.75 |
7.67 |
0.97 |
0.45 |
19. |
Ratio of burden to interest income |
-8.61 |
-15.89 |
-10.55 |
-6.33 |
302.63 |
70.96 |
10.28 |
4.50 |
20. |
Ratio of operating profits to total assets |
7.49 |
7.28 |
4.67 |
3.58 |
-26.25 |
-2.43 |
2.39 |
2.34 |
21. |
Return on assets |
2.33 |
2.62 |
2.14 |
1.91 |
-4.45 |
4.88 |
1.06 |
0.94 |
22. |
Return on equity |
6.28 |
8.83 |
23.82 |
15.67 |
-40.49 |
32.88 |
12.61 |
11.13 |
23. |
Cost of deposits |
8.93 |
8.03 |
9.68 |
7.35 |
7.37 |
6.59 |
8.23 |
8.97 |
24. |
Cost of borrowings |
8.78 |
8.60 |
10.41 |
6.78 |
7.38 |
14.31 |
5.51 |
7.19 |
25. |
Cost of funds |
8.88 |
8.23 |
9.84 |
7.16 |
7.37 |
6.80 |
6.83 |
8.11 |
26. |
Return on advances |
13.28 |
12.78 |
13.55 |
10.28 |
12.94 |
15.47 |
14.17 |
14.13 |
27. |
Return on investments |
11.35 |
11.59 |
12.04 |
10.28 |
10.11 |
11.39 |
11.53 |
11.37 |
28. |
Return on advances adjusted to cost of funds |
4.39 |
4.56 |
3.71 |
3.12 |
5.57 |
8.67 |
7.34 |
6.02 |
29. |
Return on investments adjusted to cost of funds |
2.47 |
3.36 |
2.20 |
3.12 |
2.75 |
4.59 |
4.70 |
3.27 |
30. |
Business per employee (in Rs. lakh) |
460.00 |
560.00 |
1054.22 |
833.77 |
569.74 |
381.66 |
465.66 |
555.25 |
31. |
Profit per employee (in Rs. lakh) |
11.00 |
16.00 |
17.42 |
14.43 |
-16.15 |
13.62 |
6.84 |
6.25 |
32. |
Capital adequacy ratio |
37.05 |
29.07 |
9.06 |
9.67 |
9.92 |
17.62 |
9.09 |
9.55 |
33. |
Capital adequacy ratio - Tier I |
37.02 |
29.07 |
9.06 |
9.59 |
9.92 |
17.62 |
6.92 |
6.25 |
34. |
Capital adequacy ratio - Tier II |
0.03 |
0.03 |
|
0.08 |
|
|
2.17 |
3.30 |
35. |
Ratio of net NPA to net advances |
16.43 |
22.14 |
2.80 |
1.15 |
13.45 |
2.46 |
|
|
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Barclays |
British Bank of |
Chase Manhatane |
Chinatrust |
||||||
Bank |
Middle East* |
Bank |
Commercial Bank |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
1. |
Cash-deposit ratio |
5.55 |
5.21 |
4.20 |
28.60 |
73.50 |
11.88 |
9.15 |
|
2. |
Credit-deposit ratio |
31.22 |
23.01 |
21.02 |
75.38 |
267.45 |
144.42 |
108.33 |
|
3. |
Investment-deposit ratio |
162.07 |
96.66 |
51.73 |
1094.19 |
6536.28 |
137.93 |
102.80 |
|
4. |
(Credit + investment)-deposit ratio |
193.29 |
119.67 |
72.75 |
1169.57 |
6803.72 |
282.34 |
211.13 |
|
5. |
Ratio of deposits to total liabilities |
38.59 |
64.34 |
73.11 |
5.38 |
1.29 |
30.59 |
41.82 |
|
6. |
Ratio of term deposits to total deposits |
93.79 |
92.36 |
91.08 |
58.92 |
|
92.81 |
89.40 |
|
7. |
Ratio of priority sector advances to total advances |
54.10 |
26.54 |
20.11 |
|
|
21.33 |
30.95 |
|
8. |
Ratio of term-loans to total advances |
4.52 |
66.76 |
65.14 |
|
|
97.01 |
80.56 |
|
9. |
Ratio of secured advances to total advances |
61.18 |
89.53 |
92.02 |
100.00 |
100.00 |
100.00 |
91.41 |
|
10. |
Ratio of investments in non-approved securities to total investments |
45.39 |
24.99 |
32.03 |
|
|
48.60 |
41.90 |
|
11. |
Ratio of Interest income to total assets |
14.29 |
9.68 |
10.22 |
8.51 |
7.72 |
11.34 |
12.20 |
|
12. |
Ratio of net interest margin to total assets |
4.21 |
2.04 |
0.66 |
-0.93 |
1.15 |
4.87 |
3.86 |
|
13. |
Ratio of non-interest income to total assets |
2.38 |
0.66 |
0.77 |
16.06 |
15.72 |
0.14 |
0.46 |
|
14. |
Ratio of intermediation cost to total assets |
4.23 |
3.18 |
1.46 |
11.03 |
8.36 |
4.49 |
3.23 |
|
15. |
Ratio of wage bills to intermediation cost |
40.14 |
40.30 |
57.84 |
20.13 |
26.48 |
33.91 |
32.76 |
|
16. |
Ratio of wage bills to total expenses |
11.87 |
11.84 |
7.67 |
10.85 |
14.83 |
13.89 |
9.15 |
|
17. |
Ratio of wage bills to total income |
10.20 |
12.39 |
7.69 |
9.04 |
9.45 |
13.26 |
8.36 |
|
18. |
Ratio of burden to total assets |
1.86 |
2.52 |
0.69 |
-5.03 |
-7.36 |
4.35 |
2.77 |
|
19. |
Ratio of burden to interest income |
13.00 |
26.04 |
6.76 |
-59.10 |
-95.36 |
38.36 |
22.70 |
|
20. |
Ratio of operating profits to total assets |
2.36 |
-0.48 |
-0.03 |
4.11 |
8.51 |
0.52 |
1.09 |
|
21. |
Return on assets |
0.33 |
-2.23 |
-4.00 |
1.86 |
2.87 |
-0.26 |
0.25 |
|
22. |
Return on equity |
2.78 |
-14.48 |
-82.28 |
5.56 |
20.55 |
-1.31 |
1.20 |
|
23. |
Cost of deposits |
13.88 |
9.58 |
10.50 |
2.07 |
36.75 |
14.94 |
10.73 |
|
24. |
Cost of borrowings |
9.71 |
7.70 |
15.41 |
15.80 |
6.87 |
6.51 |
11.23 |
|
25. |
Cost of funds |
11.78 |
8.79 |
11.07 |
14.96 |
7.76 |
9.82 |
10.99 |
|
26. |
Return on advances |
24.07 |
9.79 |
15.44 |
1.74 |
16.63 |
15.35 |
15.44 |
|
27. |
Return on investments |
14.90 |
10.51 |
12.91 |
8.03 |
7.39 |
10.58 |
12.29 |
|
28. |
Return on advances adjusted to cost of funds |
12.29 |
1.00 |
4.37 |
-13.23 |
8.87 |
5.52 |
4.45 |
|
29. |
Return on investments adjusted to cost of funds |
3.12 |
1.72 |
1.84 |
-6.94 |
-0.37 |
0.76 |
1.29 |
|
30. |
Business per employee (in Rs. lakh) |
581.32 |
412.10 |
1053.40 |
6.29 |
65.49 |
447.63 |
661.78 |
|
31. |
Profit per employee (in Rs. lakh) |
3.06 |
-16.27 |
-39.67 |
4.26 |
1.70 |
-1.58 |
1.92 |
|
32. |
Capital adequacy ratio |
12.90 |
17.75 |
8.24 |
12.53 |
45.86 |
28.25 |
25.56 |
|
33. |
Capital adequacy ratio - Tier I |
12.45 |
17.63 |
7.99 |
12.53 |
45.86 |
28.22 |
25.45 |
|
34. |
Capital adequacy ratio - Tier II |
0.45 |
0.12 |
0.25 |
|
|
0.03 |
0.11 |
|
35. |
Ratio of net NPA to net advances |
-3.35 |
0.00 |
19.92 |
|
|
|
4.73 |
4.61 |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Cho Hung |
Citibank |
Commerz |
Credit Agricole |
||||||
Bank |
|
|
Bank |
Indosuez |
|||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
1. |
Cash-deposit ratio |
9.87 |
7.47 |
7.03 |
7.32 |
9.41 |
13.22 |
20.48 |
14.02 |
2. |
Credit-deposit ratio |
38.09 |
37.45 |
52.98 |
64.88 |
58.09 |
96.48 |
118.68 |
77.67 |
3. |
Investment-deposit ratio |
25.67 |
46.26 |
39.99 |
41.46 |
79.67 |
156.86 |
145.83 |
111.67 |
4. |
(Credit + investment)-deposit ratio |
63.76 |
83.70 |
92.97 |
106.34 |
137.77 |
253.34 |
264.51 |
189.34 |
5. |
Ratio of deposits to total liabilities |
63.39 |
61.45 |
73.22 |
71.99 |
54.04 |
29.70 |
27.45 |
33.48 |
6. |
Ratio of term deposits to total deposits |
30.05 |
21.22 |
76.34 |
71.25 |
95.82 |
84.83 |
71.34 |
78.33 |
7. |
Ratio of priority sector advances to total advances |
|
|
15.19 |
18.73 |
34.91 |
35.56 |
36.40 |
32.41 |
8. |
Ratio of term-loans to total advances |
15.41 |
10.67 |
63.85 |
64.98 |
63.66 |
53.80 |
40.33 |
64.62 |
9. |
Ratio of secured advances to total advances |
74.85 |
89.31 |
56.05 |
45.64 |
76.69 |
58.68 |
98.30 |
87.04 |
10. |
Ratio of investments in non-approved securities to total investments |
21.44 |
40.03 |
24.86 |
21.87 |
36.27 |
57.15 |
26.91 |
20.17 |
11. |
Ratio of Interest income to total assets |
11.20 |
8.98 |
11.35 |
11.01 |
9.97 |
11.21 |
11.10 |
10.29 |
12. |
Ratio of net interest margin to total assets |
9.14 |
8.03 |
3.70 |
4.75 |
3.35 |
2.97 |
2.62 |
2.51 |
13. |
Ratio of non-interest income to total assets |
2.86 |
1.83 |
4.44 |
2.87 |
2.60 |
1.63 |
0.73 |
0.63 |
14. |
Ratio of intermediation cost to total assets |
3.56 |
2.48 |
3.81 |
3.70 |
4.18 |
3.92 |
2.76 |
3.27 |
15. |
Ratio of wage bills to intermediation cost |
23.69 |
29.27 |
22.44 |
21.19 |
39.24 |
42.66 |
36.64 |
41.50 |
16. |
Ratio of wage bills to total expenses |
14.98 |
21.18 |
7.46 |
7.88 |
15.18 |
13.76 |
9.00 |
12.29 |
17. |
Ratio of wage bills to total income |
5.99 |
6.72 |
5.42 |
5.65 |
13.05 |
13.04 |
8.56 |
12.42 |
18. |
Ratio of burden to total assets |
0.69 |
0.65 |
-0.63 |
0.83 |
1.57 |
2.30 |
2.03 |
2.64 |
19. |
Ratio of burden to interest income |
6.18 |
7.25 |
-5.56 |
7.55 |
15.80 |
20.50 |
18.31 |
25.61 |
20. |
Ratio of operating profits to total assets |
8.45 |
7.38 |
4.33 |
3.92 |
1.77 |
0.67 |
0.59 |
-0.12 |
21. |
Return on assets |
2.34 |
0.51 |
2.32 |
3.40 |
0.33 |
0.44 |
-0.64 |
-9.83 |
22. |
Return on equity |
13.06 |
1.87 |
12.60 |
26.87 |
1.81 |
2.87 |
-9.04 |
-96.05 |
23. |
Cost of deposits |
3.24 |
1.45 |
9.52 |
7.17 |
9.01 |
7.87 |
9.84 |
9.22 |
24. |
Cost of borrowings |
6.33 |
.. |
6.05 |
6.11 |
6.80 |
9.51 |
10.41 |
8.55 |
25. |
Cost of funds |
3.38 |
1.48 |
9.04 |
7.03 |
7.96 |
8.67 |
10.13 |
8.78 |
26. |
Return on advances |
16.74 |
15.31 |
16.85 |
15.68 |
12.01 |
14.23 |
13.37 |
14.45 |
27. |
Return on investments |
14.33 |
13.11 |
12.89 |
12.34 |
11.69 |
13.24 |
15.69 |
13.15 |
28. |
Return on advances adjusted to cost of funds |
13.36 |
13.83 |
7.80 |
8.65 |
4.04 |
5.56 |
3.24 |
5.68 |
29. |
Return on investments adjusted to cost of funds |
10.94 |
11.63 |
3.85 |
5.31 |
3.73 |
4.58 |
5.56 |
4.38 |
30. |
Business per employee (in Rs. lakh) |
728.45 |
710.48 |
831.89 |
1160.64 |
752.21 |
464.83 |
679.02 |
565.93 |
31. |
Profit per employee (in Rs. lakh) |
35.18 |
49.33 |
7.64 |
19.22 |
2.42 |
3.63 |
5.19 |
63.14 |
32. |
Capital adequacy ratio |
42.00 |
38.00 |
10.00 |
10.58 |
15.81 |
17.58 |
8.56 |
11.82 |
33. |
Capital adequacy ratio - Tier I |
42.00 |
38.00 |
7.23 |
6.98 |
15.50 |
17.58 |
8.08 |
11.29 |
34. |
Capital adequacy ratio - Tier II |
|
|
2.77 |
3.60 |
0.31 |
|
0.48 |
0.53 |
35. |
Ratio of net NPA to net advances |
1.88 |
1.48 |
2.08 |
1.05 |
7.06 |
7.34 |
24.75 |
6.13 |
Note * : British Bank of Middle East has been excluded from the Second Schedule to the RBI Act 1934, vide RBI notification dated September 25, 1999. |
Source : Compiled from annual accounts of banks of respective years. |