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