Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000 (Part 6 of 6) - आरबीआई - Reserve Bank of India
Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000
(Part 6 of 6)
FOREIGN BANKS |
| | | | | | | | | (per cent) |
Year ended March 31 | |||||||||
Credit | Deutsche | Development | Dresdner | ||||||
Lyonnais | Bank (Asia) | Bank of Singapore | Bank | ||||||
Ratio | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |
| | (41) | (42) | (43) | (44) | (45) | (46) | (47) | (48) |
1. | Cash-deposit ratio | 5.70 | 4.42 | 8.05 | 15.27 | 4.21 | 10.63 | 8.83 | 8.84 |
2. | Credit-deposit ratio | 44.68 | 47.29 | 76.83 | 81.30 | 34.40 | 349.98 | 72.56 | 137.01 |
3. | Investment-deposit ratio | 56.18 | 54.98 | 78.29 | 96.86 | 104.23 | 183.06 | 64.85 | 97.95 |
4. | (Credit + investment)-deposit ratio | 100.86 | 102.27 | 155.12 | 178.16 | 138.63 | 533.04 | 137.42 | 234.96 |
5. | Ratio of deposits to total liabilities | 85.28 | 83.56 | 47.80 | 46.57 | 50.57 | 16.62 | 54.86 | 37.07 |
6. | Ratio of term deposits to total deposits | 92.96 | 93.76 | 51.25 | 49.43 | 97.03 | 87.74 | 79.53 | 91.24 |
7. | Ratio of priority sector advances to total advances | 9.06 | 9.00 | 28.07 | 47.09 | 26.22 | 15.21 | 42.35 | 34.90 |
8. | Ratio of term-loans to total advances | 29.57 | 14.64 | 42.37 | 57.87 | 38.13 | 55.99 | 20.90 | 40.53 |
9. | Ratio of secured advances to total advances | 48.73 | 54.80 | 74.79 | 73.47 | 85.26 | 52.84 | 96.45 | 78.05 |
10. | Ratio of investments in non-approved securities to total investments | 26.79 | 27.80 | 45.02 | 45.06 | 56.28 | 29.57 | 24.24 | 21.05 |
11. | Ratio of Interest income to total assets | 13.62 | 14.00 | 11.20 | 10.35 | 13.74 | 9.95 | 11.44 | 10.83 |
12. | Ratio of net interest margin to total assets | 3.57 | 3.73 | 5.68 | 5.12 | 3.53 | 3.97 | 3.75 | 5.45 |
13. | Ratio of non-interest income to total assets | 2.77 | 2.81 | 3.42 | 4.17 | 2.38 | 1.65 | 2.76 | 1.33 |
14. | Ratio of intermediation cost to total assets | 1.77 | 2.19 | 3.94 | 3.98 | 2.56 | 2.03 | 4.69 | 5.08 |
15. | Ratio of wage bills to intermediation cost | 53.62 | 45.24 | 29.98 | 31.75 | 34.52 | 35.35 | 27.08 | 28.39 |
16. | Ratio of wage bills to total expenses | 8.05 | 7.95 | 12.49 | 13.71 | 6.93 | 8.95 | 10.26 | 13.78 |
17. | Ratio of wage bills to total income | 5.80 | 5.90 | 8.08 | 8.70 | 5.49 | 6.18 | 8.94 | 11.86 |
18. | Ratio of burden to total assets | -0.99 | -0.62 | 0.52 | -0.19 | 0.18 | 0.38 | 1.93 | 3.75 |
19. | Ratio of burden to interest income | -7.30 | -4.40 | 4.62 | -1.81 | 1.33 | 3.77 | 16.83 | 34.63 |
20. | Ratio of operating profits to total assets | 4.57 | 4.34 | 5.17 | 5.30 | 3.35 | 3.59 | 1.83 | 1.70 |
21. | Return on assets | 1.70 | 1.60 | 1.11 | 1.10 | 1.31 | 1.44 | -1.57 | -11.37 |
22. | Return on equity | 24.89 | 21.21 | 9.51 | 9.89 | 5.22 | 7.94 | -8.43 | -53.58 |
23. | Cost of deposits | 10.31 | 9.70 | 6.30 | 5.08 | 11.22 | 7.62 | 11.46 | 8.07 |
24. | Cost of borrowings | 15.64 | 89.34 | 7.96 | 8.48 | 23.74 | 7.93 | 7.94 | 10.70 |
25. | Cost of funds | 10.78 | 11.20 | 6.82 | 6.49 | 15.09 | 7.81 | 10.01 | 8.73 |
26. | Return on advances | 21.62 | 22.63 | 13.45 | 11.19 | 28.44 | 13.50 | 15.87 | 11.54 |
27. | Return on investments | 9.78 | 9.50 | 12.48 | 12.66 | 10.56 | 9.28 | 14.12 | 14.90 |
28. | Return on advances adjusted to cost of funds | 10.84 | 11.42 | 6.64 | 4.70 | 13.35 | 5.69 | 5.86 | 2.81 |
29. | Return on investments adjusted to cost of funds | -0.99 | -1.71 | 5.66 | 6.17 | -4.53 | 1.47 | 4.11 | 6.17 |
30. | Business per employee (in Rs. lakh) | 875.89 | 1228.12 | 743.77 | 757.13 | 478.20 | 753.28 | 593.31 | 593.48 |
31. | Profit per employee (in Rs. lakh) | 15.26 | 15.81 | 9.80 | 9.86 | 9.28 | 14.49 | -10.08 | -76.36 |
32. | Capital adequacy ratio | 9.90 | 9.70 | 9.50 | 10.44 | 23.26 | 18.14 | 19.36 | 18.69 |
33. | Capital adequacy ratio - Tier I | 8.90 | 8.50 | 9.50 | 10.44 | 23.26 | 18.13 | 19.36 | 18.69 |
34. | Capital adequacy ratio - Tier II | 1.00 | 1.20 | | | | 0.01 | | |
35. | Ratio of net NPA to net advances | | 4.10 | | | 4.93 | | 16.16 | 13.50 |
| | | | | | | | | (per cent) |
Year ended March 31 | |||||||||
Grindlays | Hongkong & | ING | KBC | ||||||
Bank | Shanghai Bank | Bank | Bank | ||||||
Ratio | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |
| | (49) | (50) | (51) | (52) | (53) | (54) | (55) | (56) |
1. | Cash-deposit ratio | 9.61 | 7.74 | 8.21 | 5.77 | 15.47 | 12.62 | .. | 3.11 |
2. | Credit-deposit ratio | 48.08 | 49.94 | 43.76 | 49.14 | 141.35 | 185.90 | .. | 35.61 |
3. | Investment-deposit ratio | 51.84 | 57.64 | 54.26 | 56.18 | 130.29 | 165.20 | .. | 105.50 |
4. | (Credit + investment)-deposit ratio | 99.92 | 107.57 | 98.02 | 105.33 | 271.64 | 351.10 | .. | 141.11 |
5. | Ratio of deposits to total liabilities | 73.39 | 73.73 | 69.42 | 69.12 | 30.18 | 18.32 | 0.00 | 65.80 |
6. | Ratio of term deposits to total deposits | 69.86 | 65.57 | 66.84 | 68.08 | 83.43 | 63.24 | .. | 99.20 |
7. | Ratio of priority sector advances to total advances | 5.65 | 4.36 | 24.43 | 18.04 | 18.85 | 22.91 | .. | 34.64 |
8. | Ratio of term-loans to total advances | 68.51 | 71.80 | 55.10 | 70.31 | 84.03 | 77.54 | .. | 49.82 |
9. | Ratio of secured advances to total advances | 84.61 | 71.82 | 89.12 | 73.20 | 41.00 | 45.42 | .. | 20.29 |
10. | Ratio of investments in non-approved securities to total investments | 35.39 | 40.72 | 37.45 | 40.10 | 47.80 | 36.84 | 99.38 | 74.44 |
11. | Ratio of Interest income to total assets | 10.79 | 10.11 | 9.19 | 9.08 | 11.48 | 11.38 | 1.97 | 12.71 |
12. | Ratio of net interest margin to total assets | 3.96 | 4.24 | 2.98 | 3.18 | 3.90 | 4.19 | 1.97 | 5.03 |
13. | Ratio of non-interest income to total assets | 1.93 | 2.43 | 2.30 | 2.33 | 2.21 | 4.75 | -0.61 | 1.52 |
14. | Ratio of intermediation cost to total assets | 2.80 | 2.73 | 3.10 | 2.73 | 4.83 | 4.60 | 3.16 | 4.38 |
15. | Ratio of wage bills to intermediation cost | 50.89 | 52.49 | 37.94 | 33.88 | 32.61 | 38.02 | 58.06 | 53.82 |
16. | Ratio of wage bills to total expenses | 14.82 | 16.65 | 12.64 | 10.71 | 12.70 | 14.84 | 58.06 | 19.56 |
17. | Ratio of wage bills to total income | 11.23 | 11.42 | 10.25 | 8.10 | 11.51 | 10.84 | 138.46 | 16.58 |
18. | Ratio of burden to total assets | 0.88 | 0.30 | 0.80 | 0.39 | 2.62 | -0.15 | 3.77 | 2.86 |
19. | Ratio of burden to interest income | 8.14 | 2.98 | 8.76 | 4.34 | 22.83 | -1.32 | 191.38 | 22.51 |
20. | Ratio of operating profits to total assets | 3.08 | 3.94 | 2.17 | 2.79 | 1.28 | 4.34 | -1.83 | 2.17 |
21. | Return on assets | 1.49 | 1.57 | 0.58 | 0.96 | 0.03 | -2.72 | -0.91 | 0.82 |
22. | Return on equity | 17.32 | 16.92 | 6.61 | 15.02 | 0.26 | -16.55 | -1.84 | 3.21 |
23. | Cost of deposits | 8.07 | 7.06 | 7.75 | 7.03 | 19.74 | 9.74 | .. | 3.90 |
24. | Cost of borrowings | 6.13 | 4.07 | 7.27 | 6.25 | 4.76 | 9.05 | .. | 40.75 |
25. | Cost of funds | 7.90 | 6.75 | 7.70 | 6.90 | 9.34 | 9.28 | .. | 10.70 |
26. | Return on advances | 13.25 | 12.49 | 13.17 | 11.24 | 18.95 | 14.37 | .. | 21.14 |
27. | Return on investments | 12.92 | 11.37 | 11.36 | 12.49 | 10.69 | 13.96 | 0.15 | 11.75 |
28. | Return on advances adjusted to cost of funds | 5.35 | 5.74 | 5.47 | 4.35 | 9.61 | 5.09 | .. | 10.43 |
29. | Return on investments adjusted to cost of funds | 5.02 | 4.62 | 3.67 | 5.60 | 1.35 | 4.68 | .. | 1.04 |
30. | Business per employee (in Rs. lakh) | 370.60 | 386.38 | 357.74 | 467.44 | 702.66 | 252.43 | | 443.56 |
31. | Profit per employee (in Rs. lakh) | 5.33 | 5.77 | 2.11 | 4.36 | 0.32 | -19.33 | -2.33 | 5.61 |
32. | Capital adequacy ratio | 9.04 | 10.93 | 9.31 | 10.30 | 12.79 | 21.15 | 95.00 | 18.51 |
33. | Capital adequacy ratio - Tier I | 6.48 | 5.98 | 6.54 | 5.68 | 12.79 | 21.15 | 95.00 | 18.51 |
34. | Capital adequacy ratio - Tier II | 2.56 | 4.95 | 2.77 | 4.62 | | | | |
35. | Ratio of net NPA to net advances | 0.26 | 0.03 | 0.91 | 1.04 | 5.67 | 13.26 | | |
| | | | | | | | | (per cent) |
Year ended March 31 | |||||||||
Krung Thai | Mashreq | Morgan Guaranty | Oman International | ||||||
Bank | Bank | Trust | Bank | ||||||
Ratio | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |
| | (57) | (58) | (59) | (60) | (61) | (62) | (63) | (64) |
1. | Cash-deposit ratio | 10.22 | 2.72 | 4.51 | 4.73 | .. | 10.06 | 5.48 | 3.99 |
2. | Credit-deposit ratio | 144.49 | 76.97 | 67.94 | 47.95 | .. | 0.00 | 57.60 | 53.87 |
3. | Investment-deposit ratio | 92.36 | 40.91 | 55.68 | 66.52 | .. | 89.63 | 38.65 | 33.05 |
4. | (Credit + investment)-deposit ratio | 236.85 | 117.88 | 123.62 | 114.47 | .. | 89.63 | 96.25 | 86.93 |
5. | Ratio of deposits to total liabilities | 5.46 | 17.11 | 66.01 | 71.27 | 0.00 | 10.22 | 74.99 | 69.35 |
6. | Ratio of term deposits to total deposits | 97.76 | 96.91 | 85.16 | 80.60 | .. | 98.48 | 85.26 | 85.09 |
7. | Ratio of priority sector advances to total advances | 11.16 | 33.79 | 33.65 | 39.64 | .. | .. | 21.44 | 23.84 |
8. | Ratio of term-loans to total advances | | | 5.71 | 24.41 | .. | .. | 40.33 | 52.80 |
9. | Ratio of secured advances to total advances | 95.90 | 70.59 | 79.24 | 82.34 | .. | .. | 92.06 | 85.19 |
10. | Ratio of investments in non-approved securities to total investments | 62.13 | 43.28 | 41.55 | 54.51 | 0.00 | 0.00 | 3.67 | 0.00 |
11. | Ratio of Interest income to total assets | 8.13 | 9.75 | 11.44 | 9.89 | 2.79 | 6.55 | 9.62 | 9.40 |
12. | Ratio of net interest margin to total assets | 7.68 | 8.26 | 2.50 | 2.23 | 1.20 | 2.13 | -0.64 | -0.52 |
13. | Ratio of non-interest income to total assets | 3.83 | 0.47 | 1.30 | 1.57 | 0.77 | 6.88 | 2.43 | 1.69 |
14. | Ratio of intermediation cost to total assets | 5.13 | 4.93 | 3.74 | 3.39 | 9.72 | 6.61 | 1.74 | 1.40 |
15. | Ratio of wage bills to intermediation cost | 19.51 | 19.42 | 27.95 | 32.16 | 57.68 | 53.01 | 23.97 | 27.29 |
16. | Ratio of wage bills to total expenses | 17.94 | 14.92 | 8.25 | 9.86 | 49.55 | 31.77 | 3.48 | 3.38 |
17. | Ratio of wage bills to total income | 8.39 | 9.38 | 8.21 | 9.50 | 157.20 | 26.10 | 3.47 | 3.44 |
18. | Ratio of burden to total assets | 1.30 | 4.46 | 2.44 | 1.81 | 8.95 | -0.27 | -0.69 | -0.29 |
19. | Ratio of burden to interest income | 16.00 | 45.79 | 21.34 | 18.34 | 320.34 | -4.08 | -7.14 | -3.11 |
20. | Ratio of operating profits to total assets | 6.38 | 3.80 | 0.06 | 0.42 | -7.75 | -1.25 | 0.05 | -0.23 |
21. | Return on assets | 4.31 | 1.69 | -2.78 | -3.60 | .. | 2.02 | | |
22. | Return on equity | 4.77 | 0.33 | -20.97 | -36.41 | -19.00 | -4.02 | -33.42 | -77.64 |
23. | Cost of deposits | 6.24 | 12.20 | 10.45 | 9.01 | .. | 0.18 | 12.02 | 12.79 |
24. | Cost of borrowings | .. | .. | 12.84 | 8.25 | 1.34 | 9.69 | 27.56 | 16.23 |
25. | Cost of funds | 13.25 | 12.26 | 10.81 | 8.85 | 2.20 | 8.63 | 12.70 | 12.99 |
26. | Return on advances | 13.38 | 12.67 | 16.61 | 12.36 | .. | .. | 12.23 | 10.12 |
27. | Return on investments | 13.44 | 7.79 | 9.96 | 11.34 | 3.08 | 8.34 | 10.44 | 12.71 |
28. | Return on advances adjusted to cost of funds | 0.13 | 0.41 | 5.80 | 3.51 | .. | .. | -0.47 | -2.87 |
29. | Return on investments adjusted to cost of funds | 0.19 | -4.47 | -0.85 | 2.49 | 0.88 | -0.29 | -2.25 | -0.28 |
30. | Business per employee (in Rs. lakh) | 54.79 | 119.92 | 558.83 | 591.24 | | 124.11 | 741.85 | 818.23 |
31. | Profit per employee (in Rs. lakh) | 17.66 | 7.82 | -16.58 | 24.73 | .. | 24.09 | | |
32. | Capital adequacy ratio | 236.00 | 197.42 | 12.13 | 9.04 | 413.00 | 89.00 | 9.07 | 11.08 |
33. | Capital adequacy ratio - Tier I | 236.00 | 197.42 | 12.13 | 9.04 | 413.00 | 89.00 | 9.07 | 9.65 |
34. | Capital adequacy ratio - Tier II | | | | | | | | 1.43 |
35. | Ratio of net NPA to net advances | | | 24.21 | 20.96 | | | 38.03 | 33.79 |
| | | | | | | | | (per cent) |
Year ended March 31 | |||||||||
Overseas Chinese | Sakura | Sanwa | Societe | ||||||
Bank | Bank | Bank | Generale | ||||||
Ratio | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |
| | (65) | (66) | (67) | (68) | (69) | (70) | (71) | (72) |
1. | Cash-deposit ratio | 7.39 | 4.69 | 12.93 | 18.07 | 20.06 | 16.31 | 7.34 | 4.79 |
2. | Credit-deposit ratio | 152.49 | 162.60 | 169.76 | 243.78 | 195.82 | 154.84 | 68.68 | 62.55 |
3. | Investment-deposit ratio | 63.83 | 67.15 | 60.81 | 121.66 | 50.43 | 38.70 | 56.06 | 84.75 |
4. | (Credit + investment)-deposit ratio | 216.32 | 229.74 | 230.57 | 365.44 | 246.25 | 193.54 | 124.74 | 147.31 |
5. | Ratio of deposits to total liabilities | 27.12 | 21.71 | 35.97 | 23.38 | 33.03 | 44.75 | 59.54 | 55.62 |
6. | Ratio of term deposits to total deposits | 64.70 | 88.06 | 58.97 | 60.67 | 71.20 | 70.96 | 92.46 | 71.06 |
7. | Ratio of priority sector advances to total advances | 79.78 | 27.92 | 26.05 | 23.73 | 21.37 | 38.12 | 19.72 | 21.03 |
8. | Ratio of term-loans to total advances | 50.11 | 48.38 | 22.91 | 15.77 | 11.92 | 21.69 | 35.98 | 26.25 |
9. | Ratio of secured advances to total advances | 14.29 | 74.17 | 57.83 | 81.81 | 82.66 | 66.21 | 74.13 | 89.68 |
10. | Ratio of investments in non-approved securities to total investments | 32.21 | 36.08 | 15.22 | 17.08 | 0.00 | 0.00 | 24.17 | 7.86 |
11. | Ratio of Interest income to total assets | 10.04 | 9.83 | 12.57 | 11.60 | 10.77 | 8.74 | 12.40 | 9.67 |
12. | Ratio of net interest margin to total assets | 7.99 | 7.37 | 6.29 | 5.83 | 5.34 | 4.09 | 2.38 | 1.06 |
13. | Ratio of non-interest income to total assets | 4.00 | 2.48 | -2.53 | -1.17 | 1.52 | 1.15 | 2.06 | 2.41 |
14. | Ratio of intermediation cost to total assets | 6.43 | 5.48 | 1.59 | 1.97 | 1.90 | 2.33 | 2.19 | 2.75 |
15. | Ratio of wage bills to intermediation cost | 35.14 | 38.01 | 28.95 | 35.72 | 25.80 | 21.58 | 38.87 | 39.74 |
16. | Ratio of wage bills to total expenses | 26.70 | 26.25 | 5.84 | 9.12 | 6.68 | 7.21 | 6.96 | 9.63 |
17. | Ratio of wage bills to total income | 16.08 | 16.93 | 4.58 | 6.77 | 3.98 | 5.08 | 5.88 | 9.06 |
18. | Ratio of burden to total assets | 2.42 | 3.00 | 4.12 | 3.15 | 0.38 | 1.18 | 0.13 | 0.35 |
19. | Ratio of burden to interest income | 24.13 | 30.54 | 32.75 | 27.14 | 3.48 | 13.50 | 1.01 | 3.58 |
20. | Ratio of operating profits to total assets | 5.59 | 4.37 | 2.18 | 2.69 | 4.97 | 2.91 | 2.25 | 0.71 |
21. | Return on assets | 4.84 | | -3.35 | -0.70 | 0.97 | 0.13 | -2.37 | 0.02 |
22. | Return on equity | 6.34 | -0.38 | -21.31 | -3.86 | 4.05 | 0.49 | -26.68 | 0.16 |
23. | Cost of deposits | 3.05 | 4.96 | 7.98 | 5.75 | 8.36 | 6.88 | 9.94 | 9.05 |
24. | Cost of borrowings | .. | 34.12 | 7.61 | 8.06 | 5.68 | 6.09 | 15.97 | 12.18 |
25. | Cost of funds | 9.25 | 8.77 | 7.72 | 7.19 | 7.59 | 6.52 | 11.48 | 10.07 |
26. | Return on advances | 3.51 | 13.76 | 15.02 | 13.30 | 13.84 | 9.43 | 15.27 | 11.36 |
27. | Return on investments | 11.63 | 11.23 | 9.63 | 10.76 | 12.12 | 12.10 | 14.33 | 11.05 |
28. | Return on advances adjusted to cost of funds | -5.74 | 4.99 | 7.30 | 6.10 | 6.25 | 2.91 | 3.79 | 1.29 |
29. | Return on investments adjusted to cost of funds | 2.38 | 2.46 | 1.91 | 3.57 | 4.53 | 5.58 | 2.86 | 0.98 |
30. | Business per employee (in Rs. lakh) | 334.94 | 307.40 | 640.60 | 615.02 | 805.38 | 781.79 | 677.20 | 662.40 |
31. | Profit per employee (in Rs. lakh) | 21.43 | 15.97 | -24.90 | -4.80 | 7.23 | 1.02 | -21.40 | 0.10 |
32. | Capital adequacy ratio | 94.00 | 98.34 | 10.29 | 15.01 | 31.22 | 36.17 | 12.50 | 13.95 |
33. | Capital adequacy ratio - Tier I | 94.00 | 98.34 | 10.29 | 15.01 | 31.22 | 36.17 | 12.21 | 13.71 |
34. | Capital adequacy ratio - Tier II | | | | | | | 0.29 | 0.24 |
35. | Ratio of net NPA to net advances | | 15.97 | 12.59 | 16.49 | 12.33 | 18.58 | 11.94 | 8.66 |
| | | | | | | | | (per cent) |
Year ended March 31 | |||||||||
Sonali | Standard | State Bank of | Sumitomo | ||||||
Bank | Chartered Bank | Mauritius | Bank | ||||||
Ratio | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |
| | (73) | (74) | (75) | (76) | (77) | (78) | (79) | (80) |
1. | Cash-deposit ratio | 18.77 | 7.72 | 12.36 | 10.85 | 11.30 | 24.45 | 10.52 | 6.18 |
2. | Credit-deposit ratio | 28.93 | 8.65 | 63.17 | 86.27 | 149.57 | 205.72 | 130.84 | 197.62 |
3. | Investment-deposit ratio | 14.21 | 7.68 | 50.81 | 62.73 | 44.06 | 61.91 | 37.43 | 56.49 |
4. | (Credit + investment)-deposit ratio | 43.15 | 16.33 | 113.98 | 149.00 | 193.62 | 267.63 | 168.26 | 254.11 |
5. | Ratio of deposits to total liabilities | 59.37 | 76.19 | 65.62 | 54.97 | 40.15 | 30.69 | 50.89 | 34.36 |
6. | Ratio of term deposits to total deposits | 11.09 | 6.49 | 72.78 | 66.17 | 97.05 | 83.93 | 77.68 | 78.28 |
7. | Ratio of priority sector advances to total advances | 0.15 | 0.64 | 24.87 | 21.08 | 52.30 | 30.06 | 31.03 | 34.98 |
8. | Ratio of term-loans to total advances | | | 52.13 | 27.08 | 22.82 | 25.30 | 92.91 | 85.24 |
9. | Ratio of secured advances to total advances | 100.00 | 100.00 | 67.69 | 65.98 | 99.02 | 92.59 | 67.14 | 84.87 |
10. | Ratio of investments in non-approved securities to total investments | 0.00 | 20.55 | 39.10 | 37.91 | 28.74 | 22.65 | 44.00 | 81.26 |
11. | Ratio of Interest income to total assets | 5.96 | 2.27 | 12.04 | 11.21 | 9.22 | 9.19 | 13.03 | 10.92 |
12. | Ratio of net interest margin to total assets | 3.35 | 1.15 | 4.00 | 4.52 | 3.42 | 3.55 | 5.34 | 3.48 |
13. | Ratio of non-interest income to total assets | 16.29 | 8.00 | 2.95 | 2.66 | 2.04 | 1.82 | 2.02 | 1.02 |
14. | Ratio of intermediation cost to total assets | 6.07 | 4.05 | 3.46 | 3.29 | 1.51 | 1.05 | 3.21 | 2.09 |
15. | Ratio of wage bills to intermediation cost | 52.36 | 50.79 | 35.75 | 26.19 | 25.06 | 35.98 | 50.38 | 42.86 |
16. | Ratio of wage bills to total expenses | 36.63 | 39.78 | 10.76 | 8.63 | 5.18 | 5.64 | 14.85 | 9.41 |
17. | Ratio of wage bills to total income | 14.29 | 20.05 | 8.25 | 6.21 | 3.37 | 3.43 | 10.75 | 7.51 |
18. | Ratio of burden to total assets | -10.22 | -3.94 | 0.50 | 0.63 | -0.53 | -0.77 | 1.19 | 1.07 |
19. | Ratio of burden to interest income | -171.63 | -173.43 | 4.19 | 5.61 | -5.73 | -8.35 | 9.14 | 9.81 |
20. | Ratio of operating profits to total assets | 13.60 | 5.09 | 3.50 | 3.89 | 3.94 | 4.31 | 4.15 | 2.41 |
21. | Return on assets | 12.91 | 4.11 | 3.12 | 3.69 | 1.81 | 1.48 | 3.14 | 2.75 |
22. | Return on equity | 81.20 | 27.85 | 25.58 | 28.58 | 5.81 | 6.12 | 10.57 | 1.31 |
23. | Cost of deposits | 1.77 | 1.16 | 9.87 | 8.08 | 12.71 | 10.55 | 5.82 | 5.51 |
24. | Cost of borrowings | .. | .. | 8.46 | 7.00 | 5.93 | 6.10 | 18.08 | 13.19 |
25. | Cost of funds | 2.25 | 1.17 | 9.64 | 7.77 | 10.91 | 8.41 | 9.67 | 9.08 |
26. | Return on advances | 16.04 | 5.16 | 16.10 | 14.14 | 11.29 | 11.19 | 17.54 | 13.61 |
27. | Return on investments | 22.77 | 8.64 | 12.16 | 12.53 | 12.92 | 10.76 | 7.22 | 8.88 |
28. | Return on advances adjusted to cost of funds | 13.79 | 3.99 | 6.46 | 6.37 | 0.38 | 2.78 | 7.87 | 4.53 |
29. | Return on investments adjusted to cost of funds | 20.53 | 7.47 | 2.52 | 4.76 | 2.01 | 2.35 | -2.45 | -0.20 |
30. | Business per employee (in Rs. lakh) | 66.99 | 120.81 | 311.12 | 571.53 | 899.80 | 1304.40 | 1086.94 | 760.18 |
31. | Profit per employee (in Rs. lakh) | 11.30 | 6.00 | 0.14 | 10.27 | 16.20 | 20.60 | 28.89 | 1.88 |
32. | Capital adequacy ratio | 38.39 | 24.91 | 8.30 | 9.50 | 46.78 | 35.23 | 16.58 | 18.43 |
33. | Capital adequacy ratio - Tier I | 38.39 | 24.91 | 6.80 | 6.00 | 46.69 | 35.16 | 16.58 | 18.43 |
34. | Capital adequacy ratio - Tier II | | | 1.50 | 3.50 | 0.09 | 0.07 | | |
35. | Ratio of net NPA to net advances | 2.11 | | 3.18 | 2.04 | 10.76 | 7.76 | | 16.13 |
| | | | | | | (per cent) |
As on 31st March, 2000 | |||||||
The Fuji | The Siam | Toronto | |||||
Bank | Commercial Bank | Dominion Bank | |||||
1999 | 2000 | 1999 | 2000 | 1999 | 2000 | ||
| | (81) | (82) | (83) | (84) | (85) | (86) |
1. | Cash-deposit ratio | 4.38 | 5.01 | 11.06 | 3.25 | .. | .. |
2. | Credit-deposit ratio | 106.78 | 177.75 | 118.66 | 188.19 | .. | .. |
3. | Investment-deposit ratio | 41.90 | 55.63 | 30.22 | 40.43 | .. | .. |
4. | (Credit + investment)-deposit ratio | 148.69 | 233.37 | 148.88 | 228.62 | .. | .. |
5. | Ratio of deposits to total liabilities | 51.10 | 34.06 | 49.85 | 35.60 | 0.00 | 0.00 |
6. | Ratio of term deposits to total deposits | 99.41 | 98.56 | 94.35 | 34.18 | .. | .. |
7. | Ratio of priority sector advances to total advances | 9.94 | 38.24 | 20.72 | 22.14 | 21.19 | 22.62 |
8. | Ratio of term-loans to total advances | 45.76 | 22.50 | 46.80 | 34.14 | 78.81 | 77.38 |
9. | Ratio of secured advances to total advances | 82.12 | 78.91 | 100.00 | 100.00 | 100.00 | 91.92 |
10. | Ratio of investments in non-approved securities to total investments | 100.00 | 100.00 | 11.81 | 34.29 | 0.00 | 38.46 |
11. | Ratio of Interest income to total assets | 11.78 | 8.84 | 11.47 | 12.25 | 13.24 | 10.78 |
12. | Ratio of net interest margin to total assets | 5.21 | 2.00 | 5.84 | 6.06 | 13.22 | 9.40 |
13. | Ratio of non-interest income to total assets | 0.71 | 0.70 | 1.03 | 1.73 | 0.61 | 1.41 |
14. | Ratio of intermediation cost to total assets | 4.37 | 2.99 | 2.15 | 2.30 | 4.99 | 3.20 |
15. | Ratio of wage bills to intermediation cost | 48.12 | 31.75 | 17.09 | 17.38 | 27.00 | 32.07 |
16. | Ratio of wage bills to total expenses | 19.22 | 9.67 | 4.71 | 4.71 | 27.00 | 22.39 |
17. | Ratio of wage bills to total income | 16.83 | 9.96 | 2.93 | 2.86 | 9.73 | 8.42 |
18. | Ratio of burden to total assets | 3.66 | 2.29 | 1.11 | 0.57 | 4.38 | 1.79 |
19. | Ratio of burden to interest income | 31.04 | 25.93 | 9.72 | 4.66 | 33.07 | 16.63 |
20. | Ratio of operating profits to total assets | 1.55 | -0.29 | 4.72 | 5.48 | 8.86 | 7.61 |
21. | Return on assets | 0.16 | -2.76 | 2.70 | 2.25 | 3.48 | 2.90 |
22. | Return on equity | 0.51 | -12.27 | 8.92 | 8.95 | 4.51 | 5.63 |
23. | Cost of deposits | 12.06 | 11.53 | 4.59 | 8.67 | .. | .. |
24. | Cost of borrowings | 8.12 | 6.87 | 17.89 | 15.12 | 0.20 | 4.00 |
25. | Cost of funds | 10.10 | 9.57 | 8.82 | 10.51 | 0.20 | 4.00 |
26. | Return on advances | 14.61 | 9.77 | 14.59 | 15.06 | 15.78 | 11.45 |
27. | Return on investments | 9.98 | 10.21 | 11.67 | 10.80 | 17.91 | 18.25 |
28. | Return on advances adjusted to cost of funds | 4.52 | 0.21 | 5.77 | 4.55 | 15.58 | 7.46 |
29. | Return on investments adjusted to cost of funds | -0.12 | 0.64 | 2.86 | 0.29 | 17.71 | 14.26 |
30. | Business per employee (in Rs. lakh) | 57.06 | 69.30 | 932.57 | 976.72 | 353.63 | 384.68 |
31. | Profit per employee (in Rs. lakh) | 1.20 | 2.70 | 26.47 | 22.00 | 23.74 | 31.99 |
32. | Capital adequacy ratio | 23.62 | 25.29 | 39.00 | 28.00 | 74.23 | 51.98 |
33. | Capital adequacy ratio - Tier I | 23.62 | 25.29 | 39.00 | 28.00 | 73.58 | 51.21 |
34. | Capital adequacy ratio - Tier II | | | | | 0.65 | 0.77 |
35. | Ratio of net NPA to net advances | 6.02 | 10.28 | 10.51 | 5.17 | | |
Source : Compiled from annual accounts of banks of respective years. |