FOREIGN BANKS

(per cent)

As on March 31

Ratios

ABN Amro

Abu-Dhabi

American

Arab Bangladesh

Bank

Commercial Bank

Express Bank

Bank

2000

2001

2000

2001

2000

2001

2000

2001

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1.

Cash-deposit ratio

9.87

5.40

3.26

2.96

7.75

13.14

3.60

2.86

2.

Credit-deposit ratio

113.83

91.89

40.07

15.70

62.89

96.03

24.77

27.24

3.

Investment-deposit ratio

79.38

61.97

41.27

75.16

86.49

93.10

22.95

22.59

4.

(Credit + investment)-deposit ratio

193.21

153.86

81.34

90.85

149.37

189.13

47.71

49.83

5.

Ratio of deposits to total liabilities

45.54

54.67

87.67

89.83

52.04

37.63

40.61

45.80

6.

Ratio of term deposits to total deposits

59.09

64.19

83.14

94.91

61.28

57.81

37.18

25.55

7.

Ratio of priority sector advances to total advances

34.85

28.04

16.27

18.44

34.05

26.10

16.07

51.64

8.

Ratio of term-loans to total advances

36.58

31.32

20.99

11.16

22.93

30.93

0.00

0.00

9.

Ratio of secured advances to total advances

88.78

82.73

82.73

89.32

42.82

56.98

100.00

97.80

10.

Ratio of investments in non-approved securities to total investments

49.53

35.14

35.91

66.00

44.17

39.89

14.28

14.70

11.

Ratio of Interest income to total assets

10.53

10.74

10.98

9.65

10.10

9.60

7.88

7.97

12.

Ratio of net interest margin to total assets

4.21

4.16

2.09

1.45

3.55

2.99

6.35

6.79

13.

Ratio of non-interest income to total assets

2.18

2.27

1.51

1.20

4.74

6.61

2.54

2.94

14.

Ratio of intermediation cost to total assets

2.40

2.72

1.10

0.65

5.80

7.53

2.26

2.46

15.

Ratio of wage bills to intermediation cost

24.99

27.76

38.61

41.32

41.34

26.18

37.14

31.93

16.

Ratio of wage bills to total expenses

6.87

8.12

4.26

3.05

19.42

13.94

22.18

21.55

17.

Ratio of wage bills to total income

4.72

5.81

3.41

2.49

16.16

12.17

8.06

7.18

18.

Ratio of burden to total assets

0.22

0.45

-0.41

-0.55

1.06

0.93

-0.28

-0.49

19.

Ratio of burden to interest income

2.08

4.23

-3.71

-5.66

10.50

9.64

-3.54

-6.12

20.

Ratio of operating profits to total assets

3.99

3.70

2.50

1.99

2.49

2.07

6.63

7.28

21.

Return on assets

1.58

0.40

0.52

0.44

1.02

-0.62

3.05

3.68

22.

Return on equity

25.81

18.04

11.84

19.81

10.97

-9.14

5.20

6.70

23.

Cost of deposits

5.20

4.38

9.13

7.92

6.53

6.83

3.92

2.70

24.

Cost of borrowings

7.00

8.38

3.56

8.22

4.87

5.74

1.14

1.20

25.

Cost of funds

6.05

6.07

8.59

7.93

5.89

6.30

3.82

2.65

26.

Return on advances

11.87

12.96

12.04

13.63

11.98

10.82

14.55

18.64

27.

Return on investments

11.68

11.57

15.76

10.03

11.53

10.91

10.83

10.21

28.

Return on advance adjusted to cost of funds

5.83

6.89

3.45

5.70

6.08

4.52

10.72

15.99

29.

Return on investment adjusted to cost of funds

5.63

5.50

7.17

2.10

5.63

4.61

7.01

7.56

30.

Business per employee (in Rs. lakh)

857.06

868.15

1033.87

2454.49

290.24

252.92

151.18

218.13

31.

Profit per employee (in Rs. lakh)

13.91

3.80

4.39

10.36

3.17

2.11

9.42

14.92

32.

Capital adequacy ratio

10.09

11.42

10.61

10.05

10.09

9.59

123.00

96.34

33.

Capital adequacy ratio - Tier I

8.23

9.51

9.36

8.80

9.91

9.36

123.00

96.34

34.

Capital adequacy ratio - Tier II

1.86

1.91

1.25

1.25

0.18

0.23

0.00

0.00

35.

Ratio of net NPA to net advances

0.30

1.22

2.10

1.92

4.32

6.20

6.07

4.24

(per cent)

As on March 31

Ratios

Bank International

Bank Muscat

Bank of

Bank of Bahrain

Indonesia

International

America

& Kuwait

2000

2001

2000

2001

2000

2001

2000

2001

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1.

Cash-deposit ratio

11.33

8.87

3.57

3.51

6.21

8.88

6.65

4.66

2.

Credit-deposit ratio

95.69

81.44

21.52

61.70

145.61

151.33

69.68

79.63

3.

Investment-deposit ratio

185.98

132.71

18.05

52.13

51.81

55.60

43.67

40.36

4.

(Credit + investment)-deposit ratio

281.67

214.15

39.57

113.82

197.43

206.93

113.34

119.99

5.

Ratio of deposits to total liabilities

16.32

15.53

68.64

68.81

44.23

41.96

65.58

63.67

6.

Ratio of term deposits to total deposits

82.34

67.10

92.53

94.91

78.14

72.85

88.53

90.96

7.

Ratio of priority sector advances to total advances

0.00

40.74

27.49

18.08

10.41

14.50

28.67

18.67

8.

Ratio of term-loans to total advances

15.74

13.05

63.58

69.73

24.43

20.53

40.52

55.24

9.

Ratio of secured advances to total advances

93.75

100.00

99.91

100.00

32.39

31.52

69.44

67.34

10.

Ratio of investments in non-approved securities to total investments

28.71

13.52

30.04

6.19

16.90

0.00

27.98

15.60

11.

Ratio of Interest income to total assets

9.00

4.54

8.44

11.19

10.31

10.18

11.00

10.36

12.

Ratio of net interest margin to total assets

2.53

2.47

3.05

3.30

4.07

3.24

1.68

1.71

13.

Ratio of non-interest income to total assets

2.28

1.58

1.85

1.82

3.19

1.67

2.10

1.66

14.

Ratio of intermediation cost to total assets

13.70

10.12

4.00

3.76

2.86

1.58

1.89

1.82

15.

Ratio of wage bills to intermediation cost

6.82

5.78

32.04

31.43

50.84

38.32

36.19

36.18

16.

Ratio of wage bills to total expenses

4.63

4.80

13.66

10.13

15.98

7.12

6.11

6.28

17.

Ratio of wage bills to total income

8.28

9.56

12.46

9.07

10.77

5.12

5.23

5.46

18.

Ratio of burden to total assets

11.42

8.54

2.15

1.94

-0.33

-0.08

-0.21

0.16

19.

Ratio of burden to interest income

126.86

187.98

25.50

17.31

-3.20

-0.82

-1.90

1.50

20.

Ratio of operating profits to total assets

-8.89

-6.07

0.90

1.36

4.40

3.32

1.89

1.56

21.

Return on assets

-8.10

-2.96

1.07

2.34

1.17

1.25

0.90

0.81

22.

Return on equity

-15.00

-3.95

1.83

4.73

23.05

10.66

11.01

9.66

23.

Cost of deposits

8.80

9.53

8.14

4.57

8.42

9.94

11.26

10.11

24.

Cost of borrowings

15.91

3.32

12.44

81.36

6.29

6.74

10.92

8.65

25.

Cost of funds

12.91

6.43

8.52

10.59

7.48

8.41

11.19

9.77

26.

Return on advances

14.71

11.85

14.40

12.66

12.47

11.25

12.78

12.22

27.

Return on investments

12.25

9.89

11.50

14.79

10.64

10.27

12.44

12.77

28.

Return on advances adjusted to cost of funds

1.80

5.42

5.88

2.07

5.00

2.84

1.59

2.45

29.

Return on investments adjusted to cost of funds

-0.66

3.46

2.98

4.20

3.16

1.86

1.25

3.00

30.

Business per employee (in Rs. lakh)

490.33

306.40

278.57

367.11

1312.05

1978.32

689.90

808.00

31.

Profit per employee (in Rs. lakh)

-44.00

-15.61

3.77

6.63

20.22

23.42

5.58

5.70

32.

Capital adequacy ratio

59.92

103.78

70.06

34.55

12.93

13.03

12.14

11.83

33.

Capital adequacy ratio - Tier I

59.92

103.78

70.06

34.55

12.44

12.51

12.14

11.64

34.

Capital adequacy ratio - Tier II

0.00

0.00

0.00

0.00

0.49

0.52

0.00

0.19

35.

Ratio of net NPA to net advances

48.78

50.75

2.38

0.81

1.92

0.68

7.72

11.51

(per cent)

As on March 31

Ratios

Bank of Ceylon

Bank of

Bank of Tokyo-

BNP Paribas

Nova Scotia

Mitsubishi

2000

2001

2000

2001

2000

2001

2000

2001

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

1.

Cash-deposit ratio

4.71

6.10

6.29

3.65

10.14

9.06

9.09

7.86

2.

Credit-deposit ratio

175.50

129.22

128.45

104.86

62.27

80.49

63.68

62.26

3.

Investment-deposit ratio

29.86

27.32

30.35

43.49

35.02

31.15

99.92

60.98

4.

(Credit + investment)-deposit ratio

205.36

156.54

158.80

148.36

97.30

111.64

163.60

123.24

5.

Ratio of deposits to total liabilities

31.98

45.29

53.22

62.35

71.68

67.18

46.45

63.40

6.

Ratio of term deposits to total deposits

74.93

77.68

90.41

94.41

55.14

56.80

66.49

76.27

7.

Ratio of priority sector advances to total advances

41.30

45.20

38.68

25.17

3.59

1.61

33.12

30.26

8.

Ratio of term-loans to total advances

4.85

8.61

53.77

66.98

34.73

21.30

32.01

43.94

9.

Ratio of secured advances to total advances

89.39

93.54

85.29

92.35

81.74

64.32

53.41

64.67

10.

Ratio of investments in non-approved securities to total investments

0.00

0.00

9.13

21.93

0.76

2.68

46.80

40.15

11.

Ratio of Interest income to total assets

9.87

8.18

9.29

11.15

10.80

10.94

9.92

10.55

12.

Ratio of net interest margin to total assets

5.72

3.75

2.99

2.81

5.24

6.47

2.79

2.83

13.

Ratio of non-interest income to total assets

3.33

2.60

2.23

1.19

4.59

7.73

1.96

1.69

14.

Ratio of intermediation cost to total assets

1.76

1.58

1.64

1.22

12.26

4.63

2.40

3.05

15.

Ratio of wage bills to intermediation cost

23.41

24.81

30.75

32.05

11.70

45.60

45.61

46.22

16.

Ratio of wage bills to total expenses

6.98

6.51

6.35

4.09

8.05

23.20

11.50

13.09

17.

Ratio of wage bills to total income

3.13

3.63

4.38

3.17

9.32

11.31

9.23

11.52

18.

Ratio of burden to total assets

-1.57

-1.02

-0.59

0.03

7.67

-3.10

0.45

1.36

19.

Ratio of burden to interest income

-15.89

-12.43

-6.33

0.27

70.96

-28.34

4.50

12.89

20.

Ratio of operating profits to total assets

7.28

4.76

3.58

2.78

-2.43

9.57

2.34

1.47

21.

Return on assets

2.62

0.95

1.91

1.28

4.88

7.57

0.94

0.33

22.

Return on equity

8.83

2.86

15.67

15.34

32.88

43.54

11.13

4.44

23.

Cost of deposits

8.03

9.09

7.35

9.50

6.59

5.76

8.97

8.27

24.

Cost of borrowings

8.60

7.35

6.78

9.46

14.31

11.32

7.19

9.28

25.

Cost of funds

8.23

8.65

7.16

9.49

6.80

6.07

8.11

8.62

26.

Return on advances

12.78

10.18

10.28

12.35

15.47

12.97

14.13

16.02

27.

Return on investments

11.59

8.99

10.28

11.53

11.39

11.23

11.37

10.32

28.

Return on advances adjusted to cost of funds

4.56

1.53

3.12

2.86

8.67

6.90

6.02

7.39

29.

Return on investments adjusted to cost of funds

3.36

0.34

3.12

2.05

4.59

5.16

3.27

1.70

30.

Business per employee (in Rs. lakh)

560.00

757.00

833.77

1300.40

381.66

354.55

555.25

553.45

31.

Profit per employee (in Rs. lakh)

16.00

6.00

14.43

15.70

13.62

23.51

6.25

1.96

32.

Capital adequacy ratio

29.07

36.49

9.67

9.97

17.62

15.51

9.55

9.92

33.

Capital adequacy ratio - Tier I

29.07

36.46

9.59

9.71

17.62

15.51

6.25

6.59

34.

Capital adequacy ratio - Tier II

0.03

0.03

0.08

0.26

0.00

0.00

3.30

3.33

35.

Ratio of net NPA to net advances

22.14

28.74

1.15

2.04

2.46

0.01

0.00

0.00

(per cent)

As on March 31

Ratios

Barclays Bank

Chase Manhattan

Chinatrust

Cho Hung

Bank

Commercial Bank

Bank

2000

2001

2000

2001

2000

2001

2000

2001

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

1.

Cash-deposit ratio

5.21

5.12

73.50

15.13

9.15

9.65

7.47

6.42

2.

Credit-deposit ratio

23.01

6.50

267.45

20.98

108.33

168.47

37.45

91.63

3.

Investment-deposit ratio

96.66

147.66

6536.28

282.72

102.80

102.28

46.26

53.01

4.

(Credit + investment)-deposit ratio

119.67

154.16

6803.72

303.70

211.13

270.75

83.70

144.64

5.

Ratio of deposits to total liabilities

64.34

38.41

1.29

25.86

41.82

33.62

61.45

45.16

6.

Ratio of term deposits to total deposits

92.36

94.34

0.00

87.22

89.40

84.44

21.22

52.99

7.

Ratio of priority sector advances to total advances

26.54

18.06

0.00

0.00

30.95

27.29

0.00

0.00

8.

Ratio of term-loans to total advances

66.76

27.42

0.00

16.47

80.56

82.41

10.67

36.34

9.

Ratio of secured advances to total advances

89.53

96.76

100.00

100.00

91.41

94.13

89.31

99.45

10.

Ratio of investments in non-approved securities to total investments

24.99

30.01

0.00

0.00

41.90

41.86

40.03

31.46

11.

Ratio of Interest income to total assets

9.68

8.41

7.72

7.94

12.20

10.23

8.98

9.28

12.

Ratio of net interest margin to total assets

2.04

1.77

1.15

2.68

3.86

4.04

8.03

7.73

13.

Ratio of non-interest income to total assets

0.66

1.35

15.72

12.37

0.46

0.58

1.83

2.32

14.

Ratio of intermediation cost to total assets

3.18

3.22

8.36

5.15

3.23

2.67

2.48

2.16

15.

Ratio of wage bills to intermediation cost

40.30

46.39

26.48

33.60

32.76

30.39

29.27

29.65

16.

Ratio of wage bills to total expenses

11.84

15.17

14.83

16.62

9.15

9.15

21.18

17.26

17.

Ratio of wage bills to total income

12.39

15.32

9.45

8.51

8.36

7.50

6.72

5.53

18.

Ratio of burden to total assets

2.52

1.87

-7.36

-7.23

2.77

2.09

0.65

-0.15

19.

Ratio of burden to interest income

26.04

22.25

-95.36

-90.95

22.70

20.43

7.25

-1.64

20.

Ratio of operating profits to total assets

-0.48

-0.10

8.51

9.91

1.09

1.95

7.38

7.88

21.

Return on assets

-2.23

1.65

2.87

6.66

0.25

0.64

0.51

3.16

22.

Return on equity

-14.48

12.77

20.55

26.25

1.20

2.71

1.87

10.37

23.

Cost of deposits

9.58

8.50

36.75

4.05

10.73

7.23

1.45

2.88

24.

Cost of borrowings

7.70

6.64

6.87

5.87

11.23

7.84

..

..

25.

Cost of funds

8.79

7.72

7.76

5.57

10.99

7.53

1.48

2.88

26.

Return on advances

9.79

8.11

16.63

15.76

15.44

11.43

15.31

12.90

27.

Return on investments

10.51

9.92

7.39

8.89

12.29

11.31

13.11

10.56

28.

Return on advances adjusted to cost of funds

1.00

0.39

8.87

10.18

4.45

3.90

13.83

10.02

29.

Return on investments adjusted to cost of funds

1.72

2.21

-0.37

3.32

1.29

3.78

11.63

7.68

30.

Business per employee (in Rs. lakh)

412.10

366.53

65.49

93.91

661.78

689.79

710.48

766.01

31.

Profit per employee (in Rs. lakh)

-16.27

14.28

1.70

30.06

1.92

4.87

49.33

27.84

32.

Capital adequacy ratio

17.75

26.97

45.86

43.79

25.56

28.27

38.00

35.00

33.

Capital adequacy ratio - Tier I

17.63

26.75

45.86

43.77

25.45

27.50

38.00

35.00

34.

Capital adequacy ratio - Tier II

0.12

0.22

0.00

0.02

0.11

0.77

0.00

0.00

35.

Ratio of net NPA to net advances

0.00

0.00

0.00

0.00

4.61

3.76

1.48

0.91

(per cent)

As on March 31

Ratios

Citibank

Commerz Bank

Credit Agricole

Credit Lyonnais

Indosuez

2000

2001

2000

2001

2000

2001

2000

2001

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

1.

Cash-deposit ratio

7.32

6.55

13.22

2.41

14.02

4.33

4.42

2.43

2.

Credit-deposit ratio

64.88

65.99

96.48

26.40

77.67

74.32

47.29

63.69

3.

Investment-deposit ratio

41.46

39.88

156.86

76.94

111.67

65.67

54.98

44.16

4.

(Credit + investment)-deposit ratio

106.34

105.87

253.34

103.34

189.34

139.99

102.27

107.85

5.

Ratio of deposits to total liabilities

71.99

72.19

29.70

72.10

33.48

51.44

83.56

79.39

6.

Ratio of term deposits to total deposits

71.25

73.64

84.83

92.11

78.33

85.91

93.76

93.78

7.

Ratio of priority sector advances to total advances

18.73

20.77

35.56

29.71

32.41

27.00

9.00

15.65

8.

Ratio of term-loans to total advances

64.98

66.37

53.80

49.89

64.62

82.61

14.64

17.80

9.

Ratio of secured advances to total advances

45.64

47.40

58.68

66.26

87.04

56.84

54.80

46.17

10.

Ratio of investments in non-approved securities to total investments

21.87

17.83

57.15

60.98

20.17

34.49

27.80

37.47

11.

Ratio of Interest income to total assets

11.01

10.41

11.21

9.99

10.29

8.96

14.00

13.88

12.

Ratio of net interest margin to total assets

4.75

4.59

2.97

2.21

2.51

1.86

3.73

3.49

13.

Ratio of non-interest income to total assets

2.87

3.10

1.63

1.46

0.63

1.05

2.81

2.40

14.

Ratio of intermediation cost to total assets

3.70

3.57

3.92

2.69

3.27

2.90

2.19

1.95

15.

Ratio of wage bills to intermediation cost

21.19

23.16

42.66

44.01

41.50

52.01

45.24

50.50

16.

Ratio of wage bills to total expenses

7.88

8.81

13.76

11.31

12.29

15.07

7.95

7.99

17.

Ratio of wage bills to total income

5.65

6.13

13.04

10.34

12.42

15.04

5.90

6.06

18.

Ratio of burden to total assets

0.83

0.47

2.30

1.23

2.64

1.84

-0.62

-0.45

19.

Ratio of burden to interest income

7.55

4.52

20.50

12.30

25.61

20.58

-4.40

-3.21

20.

Ratio of operating profits to total assets

3.92