Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2001 and 2002 (Part 5 of 5)

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02 जनवरी 2003 को प्रकाशित

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Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2001 and 2002 (Part 5 of 5)


Other Scheduled Commercial Banks
(per cent)

	As on March 31

Ratios	Bank of Punjab		Bank of Rajasthan		Benares State Bank #		Bharat Overseas Bank

	2001	2002	2001	2002	2001	2002	2001	2002

	(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)

1. Cash-deposit ratio	6.78	7.09	11.98	8.91	8.46		5.23	5.38
2. Credit-deposit ratio	49.46	48.05	52.84	49.39	22.28		48.38	49.39
3. Investment-deposit ratio	48.06	40.89	44.41	47.57	61.14		34.11	36.61
4. (Credit + investment)-deposit ratio	97.53	88.94	97.25	96.96	83.42		82.48	86.01
5. Ratio of deposits to total liabilities	81.59	86.37	81.33	82.44	90.95		86.41	86.54
6. Ratio of term deposits to total deposits	71.87	73.09	58.27	57.09	69.05		78.42	76.94
7. Ratio of priority sector advances to total advances	15.27	12.94	27.68	28.65	35.22		25.65	21.28
8. Ratio of term-loans to total advances	47.79	57.75	31.18	35.78	22.53		24.20	21.86
9. Ratio of secured advances to total advances	84.21	86.84	94.57	91.46	98.52		80.18	87.33
10. Ratio of investments in non-approved securities to total investments	34.25	23.45	32.32	26.36	49.33		13.37	13.32
11. Ratio of Interest income to total assets	9.83	9.54	10.44	9.90	9.43		9.00	8.41
12. Ratio of net interest margin to total assets	3.27	2.37	3.14	2.83	0.96		2.95	2.48
13. Ratio of non-interest income to total assets	1.24	3.08	1.33	2.13	1.62		1.46	2.49
14. Ratio of intermediation cost to total assets	2.64	3.49	3.11	3.17	3.32		2.33	2.29
15. Ratio of wage bills to intermediation cost	9.63	10.01	65.66	64.83	74.33		45.84	44.77
16. Ratio of wage bills to total expenses	2.76	3.28	19.63	20.08	20.93		12.72	12.45
17. Ratio of wage bills to total income	2.30	2.77	17.36	17.11	22.34		10.19	9.39
18. Ratio of burden to total assets	1.40	0.41	1.78	1.05	1.70		0.86	-0.20
19. Ratio of burden to interest income	14.29	4.31	17.05	10.57	18.06		9.59	-2.42
20. Ratio of operating profits to total assets	1.87	1.96	1.36	1.78	-0.75		2.09	2.68
21. Return on assets	0.93	0.92	0.74	0.84	1.19		1.04	1.08
22. Return on equity	20.11	19.27	14.82	19.56	-20.40		18.93	20.39
23. Cost of deposits	7.32	8.07	9.06	8.54	9.33		6.69	6.63
24. Cost of borrowings	7.15	4.93	1.51	1.32	7.07		7.44	4.32
25. Cost of funds	7.31	7.90	9.01	8.49	9.32		6.71	6.55
26. Return on advances	11.47	12.12	12.23	11.50	11.40		10.82	9.86
27. Return on investments	12.21	10.90	12.62	11.01	12.77		10.81	10.77
28. Return on advances adjusted to cost of funds	4.17	4.22	3.22	3.00	2.08		4.10	3.31
29. Return on investments adjusted to cost of funds	4.90	3.00	3.60	2.52	3.45		4.10	4.22
30. Business per employee (in Rs. lakh)	645.68	519.90	123.55	135.84	100.13		233.00	259.00
31. Profit per employee (in Rs. lakh)	4.94	3.74	0.75	0.94	-1.04		1.67	2.17
32. Capital adequacy ratio	11.02	12.82	10.57	12.07	-		14.43	15.09
33. Capital adequacy ratio - Tier I	8.52	8.47	8.91	10.01	-		12.48	12.55
34. Capital adequacy ratio - Tier II	2.50	4.35	1.66	2.06	-		1.95	2.54
35. Ratio of net NPA to net advances	2.31	2.93	12.00	8.86	4.39		4.14	4.38

# : See 'Explanatory Notes'.
Source: Compiled from annual accounts of banks of respective years.

(per cent)

	As on March 31

Ratios	Catholic Syrian Bank		Centurion Bank		City Union Bank		Development Credit Bank

	2001	2002	2001	2002	2001	2002	2001	2002

	(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)

1. Cash-deposit ratio	5.82	6.47	7.63	8.65	10.01	7.28	4.53	7.19
2. Credit-deposit ratio	45.50	37.94	47.64	46.00	54.38	51.23	60.22	61.20
3. Investment-deposit ratio	39.53	42.53	50.66	34.72	40.35	46.17	36.67	32.73
4. (Credit + investment)-deposit ratio	85.03	80.48	98.31	80.71	94.73	97.39	96.89	93.92
5. Ratio of deposits to total liabilities	92.91	91.74	72.41	85.26	88.67	88.51	86.52	88.13
6. Ratio of term deposits to total deposits	76.23	78.20	82.87	83.04	76.25	78.74	86.34	84.58
7. Ratio of priority sector advances to total advances	25.46	25.50	14.53	19.15	33.88	33.69	32.47	34.01
8. Ratio of term-loans to total advances	41.26	47.37	55.30	58.86	23.62	28.90	45.91	43.91
9. Ratio of secured advances to total advances	93.86	94.53	84.18	85.38	95.94	95.27	73.89	72.43
10. Ratio of investments in non-approved securities to total investments	22.66	18.67	25.25	21.14	17.39	9.70	27.24	23.88
11. Ratio of Interest income to total assets	11.02	10.41	9.86	9.62	11.01	10.48	10.66	9.26
12. Ratio of net interest margin to total assets	2.86	2.49	1.84	2.06	3.19	2.70	2.38	2.23
13. Ratio of non-interest income to total assets	1.70	3.06	1.77	1.41	1.72	2.37	1.34	2.35
14. Ratio of intermediation cost to total assets	2.85	2.76	2.57	3.19	1.97	1.86	1.97	2.05
15. Ratio of wage bills to intermediation cost	74.74	75.25	10.76	12.41	62.04	61.60	38.60	40.98
16. Ratio of wage bills to total expenses	19.35	19.43	2.61	3.68	12.47	11.86	7.41	9.25
17. Ratio of wage bills to total income	16.75	15.40	2.38	3.59	9.59	8.89	6.32	7.23
18. Ratio of burden to total assets	1.15	-0.30	0.80	1.78	0.25	-0.52	0.63	-0.30
19. Ratio of burden to interest income	10.43	-2.90	8.10	18.47	2.23	-4.94	5.89	-3.28
20. Ratio of operating profits to total assets	1.71	2.80	1.04	0.29	2.95	3.21	1.76	2.54
21. Return on assets	0.38	1.07	0.13	-3.27	1.21	1.33	0.87	0.95
22. Return on equity	17.84	42.96	3.28	-47.83	19.17	21.82	10.94	10.93
23. Cost of deposits	8.59	8.42	8.08	7.65	8.63	8.71	8.84	7.47
24. Cost of borrowings	3.81	5.10	4.19	2.99	7.24	4.56	12.14	25.88
25. Cost of funds	8.50	8.40	7.34	7.04	8.60	8.67	9.00	7.83
26. Return on advances	13.25	12.60	13.55	13.88	13.76	12.60	11.45	10.82
27. Return on investments	12.93	12.32	10.09	8.76	11.39	11.14	13.78	11.00
28. Return on advances adjusted to cost of funds	4.75	4.20	6.21	6.84	5.16	3.93	2.45	2.99
29. Return on investments adjusted to cost of funds	4.43	3.92	2.75	1.71	2.79	2.47	4.77	3.17
30. Business per employee (in Rs. lakh)	125.42	140.98	636.16	467.72	167.35	203.50	429.00	443.00
31. Profit per employee (in Rs. lakh)	0.37	1.23	7.04	1.49	1.58	2.10	2.34	2.53
32. Capital adequacy ratio	6.08	9.57	16.49	4.16	13.59	13.97	11.28	11.49
33. Capital adequacy ratio - Tier I	4.47	5.97	6.88	2.58	13.26	12.81	10.69	10.93
34. Capital adequacy ratio - Tier II	1.61	3.60	9.61	1.58	0.33	1.16	0.59	0.56
35. Ratio of net NPA to net advances	9.99	9.92	2.96	5.82	8.20	8.22	6.12	6.47

Source: Compiled from annual accounts of banks of respective years.

(per cent)

	As on March 31

Ratios	Dhanalakshmi Bank		Federal Bank		Ganesh Bank of Kurundwad		Global Trust Bank

	2001	2002	2001	2002	2001	2002	2001	2002

	(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)

1. Cash-deposit ratio	7.10	6.10	3.42	5.18	11.72	10.95	8.61	7.52
2. Credit-deposit ratio	58.90	55.38	63.32	58.53	51.13	49.88	53.01	47.07
3. Investment-deposit ratio	37.50	39.30	39.60	42.37	26.35	23.06	49.97	45.01
4. (Credit + investment)-deposit ratio	96.40	94.68	102.92	100.90	77.47	72.95	102.98	92.08
5. Ratio of deposits to total liabilities	88.19	87.80	86.91	87.39	93.45	93.01	81.65	88.17
6. Ratio of term deposits to total deposits	79.37	79.40	76.52	77.27	77.58	74.94	86.66	82.41
7. Ratio of priority sector advances to total advances	29.49	28.91	32.24	31.92	48.68	51.57	19.38	21.90
8. Ratio of term-loans to total advances	31.57	31.18	31.63	32.86	66.84	66.06	32.02	38.61
9. Ratio of secured advances to total advances	87.59	85.89	92.40	94.00	97.90	97.76	84.72	86.93
10. Ratio of investments in non-approved securities to total investments	25.92	27.08	35.98	28.63	3.15	3.30	41.48	34.41
11. Ratio of Interest income to total assets	10.77	10.11	11.19	10.99	11.44	10.49	10.56	8.63
12. Ratio of net interest margin to total assets	2.42	2.37	2.89	2.91	2.26	1.85	2.36	1.05
13. Ratio of non-interest income to total assets	1.58	3.28	1.52	2.32	0.50	1.50	1.93	2.73
14. Ratio of intermediation cost to total assets	2.96	2.83	2.13	2.02	2.31	2.17	1.93	2.02
15. Ratio of wage bills to intermediation cost	56.88	67.18	63.36	63.24	56.91	58.74	18.57	21.02
16. Ratio of wage bills to total expenses	14.87	17.97	12.94	12.63	11.43	11.77	3.54	4.43
17. Ratio of wage bills to total income	13.62	14.18	10.62	9.58	11.00	10.61	2.87	3.74
18. Ratio of burden to total assets	1.38	-0.45	0.61	-0.31	1.81	0.66	-0.01	-0.71
19. Ratio of burden to interest income	12.80	-4.48	5.43	-2.80	15.81	6.32	-0.05	-8.24
20. Ratio of operating profits to total assets	1.04	2.82	2.28	3.22	0.45	1.19	2.36	1.76
21. Return on assets	0.40	0.53	0.69	0.53	11.54	11.08	0.85	0.55
22. Return on equity	8.91	10.57	15.70	18.98	5.39	12.04	14.39	8.19
23. Cost of deposits	8.89	8.41	8.68	8.53	9.81	9.23	9.09	8.17
24. Cost of borrowings	7.25	7.54	5.63	2.93	15.48	14.11	3.48	4.41
25. Cost of funds	8.85	8.40	8.53	8.30	9.83	9.25	8.72	8.00
26. Return on advances	12.25	11.47	12.63	12.67	15.14	14.01	13.41	11.12
27. Return on investments	12.42	11.42	11.79	11.35	12.35	11.39	11.11	9.18
28. Return on advances adjusted to cost of funds	3.40	3.08	4.10	4.37	5.31	4.77	4.69	3.12
29. Return on investments adjusted to cost of funds	3.57	3.03	3.26	3.05	2.52	2.14	2.39	1.18
30. Business per employee (in Rs. lakh)	184.28	199.24	190.00	199.24	94.77	105.40	832.00	709.09
31. Profit per employee (in Rs. lakh)	0.52	0.78	0.97	0.78	0.09	0.16	7.00	3.51
32. Capital adequacy ratio	9.69	11.23	10.29	11.23	9.14	9.11	12.71	11.21
33. Capital adequacy ratio - Tier I	7.33	9.36	7.72	9.36	4.66	5.26	8.79	7.44
34. Capital adequacy ratio - Tier II	2.36	1.87	2.57	1.87	4.88	3.85	3.92	3.77
35. Ratio of net NPA to net advances	11.34	11.66	10.08	11.66	9.93	10.12	3.75	9.23

Source: Compiled from annual accounts of banks of respective years.

(per cent)

	As on March 31

Ratios	HDFC Bank		ICICI Bank		IDBI Bank		IndusInd Bank

	2001	2002	2001	2002	2001	2002	2001	2002

	(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)

1. Cash-deposit ratio	8.46	6.86	7.52	5.53	7.47	6.94	5.36	6.07
2. Credit-deposit ratio	39.77	38.60	42.93	146.59	48.35	59.21	58.95	66.36
3. Investment-deposit ratio	61.29	68.00	49.99	111.86	70.77	46.19	34.70	29.58
4. (Credit + investment)-deposit ratio	101.06	106.59	92.92	258.46	119.12	105.40	93.66	95.94
5. Ratio of deposits to total liabilities	74.65	74.87	82.98	30.76	72.53	78.82	83.06	82.32
6. Ratio of term deposits to total deposits	59.18	59.34	72.51	83.69	77.00	53.78	88.95	87.04
7. Ratio of priority sector advances to total advances	14.40	10.75	16.85	4.22	21.93	25.55	16.63	17.01
8. Ratio of term-loans to total advances	54.86	55.05	13.84	91.38	28.07	50.06	20.64	16.14
9. Ratio of secured advances to total advances	85.27	91.54	76.74	97.02	86.46	72.18	82.43	88.66
10. Ratio of investments in non-approved securities to total investments	52.07	55.79	49.77	36.49	53.46	36.69	25.72	20.30
11. Ratio of Interest income to total assets	9.24	8.69	7.81	3.47	11.43	8.81	8.75	7.53
12. Ratio of net interest margin to total assets	3.71	3.21	2.54	0.96	2.15	2.48	1.91	1.73
13. Ratio of non-interest income to total assets	1.36	1.70	1.38	0.93	1.48	2.12	1.40	1.96
14. Ratio of intermediation cost to total assets	2.27	2.13	2.10	1.00	2.17	2.47	1.24	1.00
15. Ratio of wage bills to intermediation cost	25.19	26.14	15.47	23.64	22.07	27.78	13.00	21.42
16. Ratio of wage bills to total expenses	7.34	7.32	4.41	6.75	4.19	7.81	1.99	3.16
17. Ratio of wage bills to total income	5.40	5.36	3.54	5.40	3.72	6.29	1.58	2.27
18. Ratio of burden to total assets	0.91	0.43	0.72	0.08	0.70	0.35	-0.16	-0.95
19. Ratio of burden to interest income	9.85	4.97	9.20	2.23	6.12	4.02	-1.85	-12.63
20. Ratio of operating profits to total assets	2.80	2.78	1.82	0.88	1.46	2.13	2.07	2.68
21. Return on assets	1.62	1.48	0.82	0.67	0.41	0.79	0.47	0.50
22. Return on equity	22.99	20.81	13.09	6.53	7.34	18.42	7.52	9.17
23. Cost of deposits	6.36	6.25	5.53	5.73	11.41	6.23	7.39	6.03
24. Cost of borrowings	7.12	8.69	4.21	0.19	2.57	4.98	5.41	4.60
25. Cost of funds	6.45	6.48	5.46	2.91	9.98	6.04	7.26	5.92
26. Return on advances	12.33	10.90	10.68	2.85	12.43	10.35	9.41	8.73
27. Return on investments	9.86	9.02	8.82	5.60	13.64	9.52	12.50	10.23
28. Return on advances adjusted to cost of funds	5.88	4.42	5.23	-0.06	2.45	4.31	2.15	2.81
29. Return on investments adjusted to cost of funds	3.41	2.55	3.36	2.69	3.66	3.48	5.24	4.31
30. Business per employee (in Rs. lakh)	643.00	778.00	815.22	486.49	684.67	689.88	1582.36	1587.91
31. Profit per employee (in Rs. lakh)	8.61	9.75	10.45	5.33	2.50	4.34	6.98	6.88
32. Capital adequacy ratio	11.09	13.93	11.57	11.44	11.72	9.59	15.00	12.51
33. Capital adequacy ratio - Tier I	8.69	10.81	10.42	7.47	7.89	6.36	12.56	10.45
34. Capital adequacy ratio - Tier II	2.40	3.12	1.15	3.97	3.83	3.23	2.44	2.06
35. Ratio of net NPA to net advances	0.45	0.50	2.19	5.48	5.24	2.21	5.25	6.59

Source: Compiled from annual accounts of banks of respective years.

(per cent)

	As on March 31

Ratios	Jammu & Kashmir Bank		Karnataka Bank		Karur Vysya Bank		Lakshmi Vilas Bank

	2001	2002	2001	2002	2001	2002	2001	2002

	(33)	(34)	(35)	(36)	(37)	(38)	(39)	(40)

1. Cash-deposit ratio	9.74	7.87	6.48	4.88	6.61	5.02	8.92	6.42
2. Credit-deposit ratio	42.65	49.75	46.55	48.81	62.35	58.85	64.99	63.19
3. Investment-deposit ratio	48.58	44.55	45.87	49.52	34.14	36.82	34.34	36.51
4. (Credit + investment)-deposit ratio	91.22	94.31	92.42	98.33	96.50	95.67	99.33	99.70
5. Ratio of deposits to total liabilities	87.80	87.84	90.99	90.19	85.27	81.80	87.21	86.95
6. Ratio of term deposits to total deposits	69.21	65.95	80.41	81.31	78.52	78.05	75.56	74.91
7. Ratio of priority sector advances to total advances	24.76	20.50	33.71	34.96	38.63	36.29	40.14	38.12
8. Ratio of term-loans to total advances	48.34	49.30	24.55	23.21	33.12	46.97	21.55	34.82
9. Ratio of secured advances to total advances	92.76	92.54	96.42	89.95	93.53	92.22	94.04	86.63
10. Ratio of investments in non-approved securities to total investments	36.76	37.26	20.17	17.11	35.69	31.19	29.38	27.26
11. Ratio of Interest income to total assets	9.25	9.87	10.53	10.29	11.55	10.32	10.20	9.94
12. Ratio of net interest margin to total assets	3.07	3.20	2.45	1.95	3.89	3.52	2.70	2.26
13. Ratio of non-interest income to total assets	0.69	1.88	1.44	3.34	1.35	2.24	2.39	3.15
14. Ratio of intermediation cost to total assets	1.42	1.71	1.70	1.81	2.47	2.30	2.65	2.58
15. Ratio of wage bills to intermediation cost	58.13	61.57	68.09	68.12	50.05	49.38	58.47	56.82
16. Ratio of wage bills to total expenses	10.84	12.54	11.82	12.13	12.22	12.49	15.29	14.28
17. Ratio of wage bills to total income	8.28	8.95	9.66	9.04	9.60	9.05	12.32	11.19
18. Ratio of burden to total assets	0.72	-0.17	0.26	-1.53	1.12	0.06	0.26	-0.57
19. Ratio of burden to interest income	7.81	-1.69	2.44	-14.85	9.74	0.58	2.58	-5.74
20. Ratio of operating profits to total assets	2.34	3.36	2.19	3.47	2.77	3.46	2.44	2.83
21. Return on assets	1.32	1.77	0.73	1.26	1.70	2.42	1.02	1.06
22. Return on equity	27.30	31.75	13.72	23.02	24.44	28.60	20.22	19.68
23. Cost of deposits	6.93	7.30	8.71	9.06	8.42	7.72	8.11	8.45
24. Cost of borrowings	3.86	14.23	5.32	5.75	4.84	2.66	11.75	10.17
25. Cost of funds	6.90	7.41	8.63	9.00	8.23	7.44	8.25	8.48
26. Return on advances	10.52	11.43	13.13	12.46	13.14	10.75	12.85	11.28
27. Return on investments	11.73	11.66	10.70	10.15	13.91	13.82	9.58	10.44
28. Return on advances adjusted to cost of funds	3.62	4.03	4.50	3.45	4.91	3.31	4.60	2.79
29. Return on investments adjusted to cost of funds	4.83	4.25	2.06	1.15	5.69	6.37	1.32	1.96
30. Business per employee (in Rs. lakh)	212.00	264.00	210.28	247.24	192.00	219.00	192.00	212.00
31. Profit per employee (in Rs. lakh)	2.58	4.00	1.11	2.20	2.52	3.79	1.38	1.56
32. Capital adequacy ratio	17.44	15.46	11.37	12.96	15.56	16.90	10.21	11.54
33. Capital adequacy ratio - Tier I	14.33	12.41	11.06	11.10	15.12	15.62	8.52	8.44
34. Capital adequacy ratio - Tier II	3.11	3.05	0.31	1.86	0.44	1.28	1.69	3.10
35. Ratio of net NPA to net advances	2.45	1.88	6.93	5.90	4.73	6.33	6.47	9.13

Source: Compiled from annual accounts of banks of respective years.

(per cent)

	As on March 31

Ratios	Lord Krishna Bank		Nainital Bank		Nedungadi Bank		Ratnakar Bank

	2001	2002	2001	2002	2001	2002	2001	2002

	(41)	(42)	(43)	(44)	(45)	(46)	(47)	(48)

1. Cash-deposit ratio	6.25	6.45	9.35	6.47	9.50	5.15	8.97	9.87
2. Credit-deposit ratio	47.71	54.99	22.50	21.51	48.51	53.54	46.10	44.76
3. Investment-deposit ratio	44.55	41.89	53.15	54.67	40.33	36.71	43.13	41.94
4. (Credit + investment)-deposit ratio	92.26	96.88	75.64	76.19	88.83	90.25	89.24	86.70
5. Ratio of deposits to total liabilities	87.02	87.10	91.83	91.82	92.03	91.18	89.31	88.32
6. Ratio of term deposits to total deposits	87.52	87.86	55.29	53.53	83.25	78.61	76.70	76.59
7. Ratio of priority sector advances to total advances	15.54	12.21	55.43	52.64	32.43	33.15	28.15	26.61
8. Ratio of term-loans to total advances	46.10	29.78	-	26.01	22.42	16.53	43.05	43.15
9. Ratio of secured advances to total advances	96.90	91.32	99.68	98.76	97.03	99.66	91.23	90.84
10. Ratio of investments in non-approved securities to total investments	16.66	13.81	27.19	30.83	15.03	19.20	39.51	18.11
11. Ratio of Interest income to total assets	10.09	9.19	10.43	10.16	9.74	8.93	11.06	10.03
12. Ratio of net interest margin to total assets	1.66	0.85	4.09	4.12	1.09	0.58	3.34	3.09
13. Ratio of non-interest income to total assets	1.72	4.80	0.45	0.55	1.59	4.03	1.65	4.18
14. Ratio of intermediation cost to total assets	2.14	2.43	2.74	2.72	2.64	2.61	3.09	3.33
15. Ratio of wage bills to intermediation cost	52.85	43.06	72.32	74.07	66.29	66.26	57.18	64.99
16. Ratio of wage bills to total expenses	10.68	9.70	21.80	22.97	15.51	15.77	16.34	21.06
17. Ratio of wage bills to total income	9.56	7.47	18.20	18.79	15.46	13.34	13.90	15.22
18. Ratio of burden to total assets	0.42	-2.38	2.29	2.17	1.05	-1.42	1.44	-0.85
19. Ratio of burden to interest income	4.13	-25.85	21.96	21.34	10.79	-15.87	13.04	-8.52
20. Ratio of operating profits to total assets	1.24	3.22	1.80	1.95	0.04	1.99	1.90	3.94
21. Return on assets	0.41	1.26	0.93	0.92	-	0.08	0.77	1.16
22. Return on equity	9.21	23.62	21.49	20.22	-111.51	2.10	15.75	22.29
23. Cost of deposits	9.07	8.94	6.87	6.58	9.01	8.82	8.20	7.72
24. Cost of borrowings	9.93	13.47	180.68	63.45	10.76	1.55	20.25	13.86
25. Cost of funds	9.09	9.00	6.87	6.58	9.03	8.79	8.34	7.76
26. Return on advances	14.13	10.73	12.96	12.01	11.93	10.76	14.28	13.85
27. Return on investments	9.92	10.63	12.22	11.83	11.93	10.29	12.66	9.38
28. Return on advances adjusted to cost of funds	5.04	1.73	6.09	5.43	2.90	1.98	5.94	6.09
29. Return on investments adjusted to cost of funds	0.83	1.63	5.35	5.25	2.90	1.50	4.32	1.61
30. Business per employee (in Rs. lakh)	226.00	246.41	93.07	104.49	145.80	136.80	145.87	162.54
31. Profit per employee (in Rs. lakh)	0.65	2.09	0.79	0.89	-	0.08	0.75	1.27
32. Capital adequacy ratio	12.90	16.50	15.81	14.88	-	-1.99	10.00	13.60
33. Capital adequacy ratio - Tier I	8.60	12.75	13.72	12.92	-	-1.99	9.42	11.93
34. Capital adequacy ratio - Tier II	4.30	3.75	2.09	1.96	-	-	0.58	1.67
35. Ratio of net NPA to net advances	12.92	9.85	-	-	21.04	31.05	7.58	8.60

Source: Compiled from annual accounts of banks of respective years.

(per cent)

	As on March 31

Ratios	Sangli Bank		SBI Commercial & Intl. Bank		South Indian Bank		Tamilnad Mercantile Bank

	2001	2002	2001	2002	2001	2002	2001	2002

	(49)	(50)	(51)	(52)	(53)	(54)	(55)	(56)

1. Cash-deposit ratio	22.83	13.60	4.19	5.99	6.32	5.08	10.36	8.52
2. Credit-deposit ratio	35.57	34.92	57.30	43.64	52.87	54.58	49.67	47.52
3. Investment-deposit ratio	35.78	42.54	35.54	33.86	42.80	36.84	46.44	48.68
4. (Credit + investment)-deposit ratio	71.34	77.45	92.84	77.50	95.68	91.42	96.11	96.20
5. Ratio of deposits to total liabilities	93.42	93.00	77.36	79.79	89.50	90.31	87.18	87.17
6. Ratio of term deposits to total deposits	65.16	66.72	93.35	95.04	79.76	81.04	73.14	74.83
7. Ratio of priority sector advances to total advances	25.79	24.44	11.29	4.29	29.74	28.43	42.12	39.68
8. Ratio of term-loans to total advances	20.93	19.31	7.77	6.17	38.35	37.23	28.93	31.51
9. Ratio of secured advances to total advances	94.18	92.03	85.01	86.07	89.95	87.31	95.80	95.90
10. Ratio of investments in non-approved securities to total investments	34.08	29.69	5.71	5.34	12.02	10.77	44.97	42.50
11. Ratio of Interest income to total assets	9.50	8.26	9.49	8.43	11.19	10.46	11.14	10.89
12. Ratio of net interest margin to total assets	3.28	2.50	1.14	0.81	3.09	2.64	3.58	3.61
13. Ratio of non-interest income to total assets	0.89	2.03	1.46	2.38	1.50	2.35	1.52	1.57
14. Ratio of intermediation cost to total assets	3.05	2.97	1.35	1.25	2.38	2.05	2.07	2.15
15. Ratio of wage bills to intermediation cost	79.67	77.51	33.07	34.28	74.13	69.80	61.07	59.50
16. Ratio of wage bills to total expenses	26.19	26.34	4.60	4.83	16.85	14.52	13.13	13.55
17. Ratio of wage bills to total income	23.34	22.36	4.08	3.96	13.91	11.19	9.99	10.25
18. Ratio of burden to total assets	2.15	0.94	-0.11	-1.13	0.88	-0.30	0.55	0.58
19. Ratio of burden to interest income	22.64	11.39	-1.15	-13.39	7.87	-2.86	4.97	5.29
20. Ratio of operating profits to total assets	1.13	1.56	1.25	1.94	2.21	2.94	3.03	3.03
21. Return on assets	0.40	0.60	-6.50	0.46	0.89	1.07	1.37	1.29
22. Return on equity	10.53	15.27	-39.35	3.71	20.47	25.31	20.03	18.19
23. Cost of deposits	6.44	6.15	9.53	9.13	8.64	8.48	8.27	8.05
24. Cost of borrowings	267.63	20.68	13.78	5.61	7.35	4.15	4.99	2.08
25. Cost of funds	6.67	6.17	9.79	8.92	8.62	8.43	8.24	8.01
26. Return on advances	9.63	10.25	9.46	10.53	13.51	12.63	12.63	12.39
27. Return on investments	14.88	8.61	11.83	12.15	11.62	11.29	13.69	13.03
28. Return on advances adjusted to cost of funds	2.96	4.08	-0.33	1.61	4.89	4.20	4.39	4.38
29. Return on investments adjusted to cost of funds	8.21	2.44	2.05	3.23	3.00	2.86	5.45	5.02
30. Business per employee (in Rs. lakh)	74.58	83.34	706.37	739.09	171.00	218.00	214.94	245.45
31. Profit per employee (in Rs. lakh)	0.30	0.50	-36.20	2.87	1.11	1.68	2.29	2.48
32. Capital adequacy ratio	11.47	11.64	19.85	22.10	11.17	11.20	17.59	18.02
33. Capital adequacy ratio - Tier I	8.37	9.14	19.48	21.11	8.36	7.68	15.81	16.88
34. Capital adequacy ratio - Tier II	3.10	2.50	0.37	0.99	2.81	3.52	1.78	1.14
35. Ratio of net NPA to net advances	6.64	5.97	22.56	23.43	15.85	6.64	5.99	6.66

Source: Compiled from annual accounts of banks of respective years.

(per cent)

	As on March 31

Ratios	United Western Bank		UTI Bank		Vysya Bank

	2001	2002	2001	2002	2001	2002

	(57)	(58)	(59)	(60)	(61)	(62)

1. Cash-deposit ratio	7.70	5.20	9.69	9.14	8.15	6.79
2. Credit-deposit ratio	52.63	59.18	53.02	43.56	53.02	54.76
3. Investment-deposit ratio	32.93	37.37	46.11	53.96	33.10	44.58
4. (Credit + investment)-deposit ratio	85.56	96.54	99.14	97.52	86.12	99.35
5. Ratio of deposits to total liabilities	90.86	87.47	84.45	85.48	80.13	75.28
6. Ratio of term deposits to total deposits	75.99	73.46	84.62	83.50	78.49	78.17
7. Ratio of priority sector advances to total advances	36.15	42.56	7.22	16.21	32.76	35.10
8. Ratio of term-loans to total advances	24.60	32.91	21.84	48.39	41.98	43.38
9. Ratio of secured advances to total advances	91.12	92.29	77.90	80.20	70.52	84.22
10. Ratio of investments in non-approved securities to total investments	28.84	30.48	42.23	44.96	28.79	32.72
11. Ratio of Interest income to total assets	8.95	9.05	10.21	9.38	9.31	8.84
12. Ratio of net interest margin to total assets	2.07	1.86	1.13	1.59	1.82	1.75
13. Ratio of non-interest income to total assets	0.88	2.80	1.87	3.31	1.30	2.69
14. Ratio of intermediation cost to total assets	1.78	1.85	1.48	1.63	1.91	2.48
15. Ratio of wage bills to intermediation cost	66.94	66.45	22.15	24.13	56.77	53.91
16. Ratio of wage bills to total expenses	13.74	13.58	3.10	4.18	11.55	13.97
17. Ratio of wage bills to total income	12.10	10.35	2.71	3.11	10.24	11.60
18. Ratio of burden to total assets	0.90	-0.96	-0.39	-1.67	0.62	-0.21
19. Ratio of burden to interest income	10.06	-10.59	-3.85	-17.84	6.63	-2.41
20. Ratio of operating profits to total assets	1.17	2.82	1.52	3.26	1.20	1.96
21. Return on assets	-	0.50	0.80	0.93	0.37	0.64
22. Return on equity	1.30	10.57	31.84	29.28	6.20	10.27
23. Cost of deposits	7.10	7.58	9.50	8.01	8.52	8.25
24. Cost of borrowings	15.29	7.08	3.99	4.44	9.72	6.60
25. Cost of funds	7.22	7.56	8.94	7.65	8.59	8.09
26. Return on advances	10.30	10.67	11.37	10.61	11.06	10.30
27. Return on investments	11.71	10.33	11.95	11.14	11.80	11.41
28. Return on advances adjusted to cost of funds	3.08	3.11	2.43	2.95	2.47	2.21
29. Return on investments adjusted to cost of funds	4.49	2.76	3.01	3.48	3.21	3.32
30. Business per employee (in Rs. lakh)	212.00	207.00	959.00	896.00	199.59	197.95
31. Profit per employee (in Rs. lakh)	-	0.77	7.27	7.79	0.63	1.22
32. Capital adequacy ratio	8.59	9.79	9.00	10.65	12.05	11.57
33. Capital adequacy ratio - Tier I	6.62	6.98	5.84	6.42	8.44	7.97
34. Capital adequacy ratio - Tier II	2.97	2.81	3.16	4.23	3.61	3.60
35. Ratio of net NPA to net advances	9.48	10.72	3.43	2.74	4.77	4.59

Source: Compiled from annual accounts of banks of respective years.