B10 : Selected Ratios of Scheduled Commercial Banks : 2003 and 2004 (Part 4 of 4) - ಆರ್ಬಿಐ - Reserve Bank of India
B10 : Selected Ratios of Scheduled Commercial Banks : 2003 and 2004 (Part 4 of 4)
|
|
|
|
|
|
|
(in per cent) |
|
As on March 31 |
||||||||
Federal Bank |
Ganesh Bank of Kurundwad |
Global Trust Bank |
HDFC Bank |
|||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
1. Cash-deposit ratio |
5.56 |
5.39 |
8.81 |
7.22 |
10.5 |
10.07 |
9.3 |
8.36 |
2. Credit-deposit ratio |
56.8 |
57.14 |
52.29 |
46.68 |
47.34 |
35.09 |
52.53 |
58.35 |
3. Investment-deposit ratio |
41.6 |
40.87 |
26.11 |
37.21 |
36.1 |
33.11 |
59.83 |
63.33 |
4. (Credit+Investment)-deposit ratio |
98.4 |
98.01 |
78.39 |
83.89 |
83.44 |
68.2 |
112.4 |
121.68 |
5. Ratio of deposits to total liabilities |
89.7 |
89.17 |
92.99 |
93.74 |
90.28 |
88.84 |
73.55 |
71.88 |
6. Ratio of term deposits to total deposits |
78.9 |
76.91 |
77.62 |
75.14 |
81.19 |
73.65 |
57.03 |
45.28 |
7. Ratio of priority sector advances to total advances |
31.4 |
31.32 |
57.16 |
62.7 |
26.39 |
27.87 |
12.1 |
14.08 |
8. Ratio of term loan to total advances |
38.8 |
39.56 |
74.04 |
77.53 |
53.55 |
55.69 |
55.5 |
60.92 |
9. Ratio of secured advances to total advances |
92 |
88.87 |
97.5 |
98.09 |
86.56 |
90.88 |
85.79 |
86.75 |
10. Ratio of investments in non-approved |
23 |
18.55 |
2.66 |
1.61 |
24.3 |
26.86 |
52.43 |
40.09 |
11. Ratio of interest income to total assets |
9.95 |
8.73 |
9.64 |
8.68 |
7.21 |
4.76 |
7.46 |
7.01 |
12. Ratio of net interest margin to total assets |
3.04 |
3.09 |
1.52 |
1.19 |
0.3 |
-1.09 |
3.07 |
3.68 |
13. Ratio of non-interest income to total assets |
2.1 |
2.18 |
2.47 |
2.11 |
2.56 |
2.17 |
1.75 |
1.32 |
14. Ratio of intemediation cost to total assets |
1.99 |
2.07 |
2.3 |
2.37 |
2.37 |
2.14 |
2.18 |
2.23 |
15. Ratio of wage bills to intemediation cost |
62.8 |
63.01 |
56.14 |
60.71 |
23.74 |
23.43 |
25.67 |
25.2 |
16. Ratio of wage bills to total expense |
14 |
16.92 |
12.38 |
14.58 |
6.05 |
6.27 |
8.52 |
10.1 |
17. Ratio of wage bills to total income |
10.4 |
11.96 |
10.64 |
13.33 |
5.75 |
7.23 |
6.09 |
6.74 |
18. Ratio of burden to total assets |
-0.11 |
-0.11 |
-0.18 |
0.26 |
-0.19 |
-0.03 |
0.44 |
0.91 |
19. Ratio of burden to interest income |
-1.11 |
-1.26 |
-1.82 |
2.97 |
-2.64 |
-0.61 |
5.87 |
12.95 |
20. Ratio of operating profits to total assets |
3.15 |
3.2 |
1.7 |
0.82 |
0.49 |
-1.06 |
2.63 |
2.77 |
21. Return on assets |
0.86 |
0.9 |
1.65 |
0.86 |
-3.56 |
-11.3 |
1.52 |
1.45 |
22. Return on equity |
21.5 |
23.14 |
12.69 |
10.43 |
-82.41 |
-304 |
18.48 |
20.61 |
23. Cost of deposits |
7.36 |
5.92 |
8.71 |
8.01 |
7.19 |
5.73 |
5.31 |
3.93 |
24. Cost of borrowings |
1.87 |
1.61 |
14.41 |
13.09 |
2.66 |
5.74 |
5.03 |
6.25 |
25. Cost of funds |
7.24 |
5.88 |
8.72 |
8.02 |
7.16 |
5.73 |
5.29 |
4.12 |
26. Return on advances |
11.6 |
10.26 |
12.69 |
12.01 |
10.17 |
8.8 |
8.47 |
7.52 |
27. Return on investments |
10.2 |
8.68 |
10.69 |
7.97 |
7.66 |
4.06 |
8.77 |
8.1 |
28. Return on advances adjusted to cost of funds |
4.34 |
4.38 |
3.97 |
3.99 |
3.02 |
3.07 |
3.19 |
3.4 |
29. Return on investments adjusted to cost of funds |
2.95 |
2.8 |
1.97 |
-0.05 |
0.5 |
-1.67 |
3.48 |
3.98 |
30. Business per employee (in Rs.lakh) |
270 |
327 |
126.52 |
126 |
655.1 |
625 |
865 |
866 |
31. Profit per employee (in Rs.lakh) |
1.69 |
2.14 |
1.39 |
1 |
-19.93 |
-66.7 |
10.09 |
9.39 |
32. Capital adequacy ratio |
11.2 |
11.48 |
10.44 |
11.94 |
0 |
0 |
11.12 |
11.66 |
33. Capital adequacy ratio - Tier I |
6.65 |
6.26 |
6.43 |
7.88 |
0 |
0 |
9.49 |
8.03 |
34. Capital adequacy ratio - Tier II |
4.58 |
5.22 |
4.01 |
4.06 |
0 |
0 |
1.63 |
3.63 |
35. Ratio of net NPA to net advances |
4.95 |
2.89 |
12.89 |
10.59 |
19.77 |
27.99 |
0.37 |
0.16 |
Source : Compiled from annual accounts of banks of respective years |
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
||||||||
OTHER SCHEDULED COMMERCIAL BANKS |
||||||||
|
|
|
|
|
|
|
(in per cent) |
|
As on March 31 |
||||||||
ICICI Bank |
IDBI Bank |
IndusInd Bank |
ING Vysya Bank |
|||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
1. Cash-deposit ratio |
10.14 |
7.94 |
9.96 |
7.6 |
6.69 |
11.92 |
5.56 |
5.97 |
2. Credit-deposit ratio |
110.61 |
91.17 |
71.7 |
73.63 |
62.2 |
69.75 |
61.08 |
67.25 |
3. Investment-deposit ratio |
73.62 |
62.76 |
39.97 |
38.95 |
29.48 |
35.46 |
39.63 |
38.99 |
4. (Credit+Investment)-deposit ratio |
184.23 |
153.93 |
111.67 |
112.59 |
91.68 |
105.21 |
100.71 |
106.24 |
5. Ratio of deposits to total liabilities |
45.1 |
54.39 |
76.08 |
77.28 |
86.84 |
74.24 |
79.22 |
79.39 |
6. Ratio of term deposits to total deposits |
84.47 |
77.05 |
65.1 |
56.69 |
87.82 |
88.83 |
78.94 |
75.09 |
7. Ratio of priority sector advances to total advances |
16.78 |
23.4 |
30.04 |
38.1 |
18.69 |
32.19 |
34.93 |
30.61 |
8. Ratio of term loan to total advances |
93.3 |
86.04 |
61.29 |
65.61 |
24.14 |
51.4 |
51.57 |
53.72 |
9. Ratio of secured advances to total advances |
97.16 |
92.46 |
80.23 |
87.65 |
88.98 |
88.62 |
87.17 |
90.42 |
10. Ratio of investments in non-approved |
27.86 |
30.01 |
24.56 |
22.46 |
19.3 |
4.5 |
36.28 |
27.86 |
11. Ratio of interest income to total assets |
8.88 |
7.67 |
8.21 |
7.04 |
7.39 |
7.89 |
8.11 |
7.45 |
12. Ratio of net interest margin to total assets |
1.35 |
1.62 |
2.77 |
3.16 |
1.84 |
2.54 |
1.94 |
1.97 |
13. Ratio of non-interest income to total assets |
3 |
2.64 |
2.27 |
2.01 |
2.56 |
2.76 |
3.21 |
2.93 |
14. Ratio of intemediation cost to total assets |
1.91 |
2.22 |
2.84 |
2.45 |
1.17 |
1.74 |
2.99 |
2.79 |
15. Ratio of wage bills to intemediation cost |
20.03 |
21.24 |
26.67 |
26.42 |
23.97 |
23.2 |
51.94 |
48.49 |
16. Ratio of wage bills to total expense |
4.05 |
5.7 |
9.14 |
10.24 |
4.18 |
5.68 |
16.96 |
16.34 |
17. Ratio of wage bills to total income |
3.22 |
4.57 |
7.22 |
7.16 |
2.82 |
3.78 |
13.71 |
13.01 |
18. Ratio of burden to total assets |
-1.09 |
-0.43 |
0.57 |
0.44 |
-1.39 |
-1.02 |
-0.22 |
-0.14 |
19. Ratio of burden to interest income |
-12.25 |
-5.55 |
6.94 |
6.29 |
-18.82 |
-12.96 |
-2.76 |
-1.92 |
20. Ratio of operating profits to total assets |
2.44 |
2.04 |
2.2 |
2.72 |
3.23 |
3.56 |
2.17 |
2.11 |
21. Return on assets |
1.13 |
1.31 |
0.9 |
1.02 |
0.91 |
1.74 |
0.74 |
0.45 |
22. Return on equity |
17.38 |
20.93 |
21.71 |
27.24 |
15.49 |
37.37 |
12.4 |
8.12 |
23. Cost of deposits |
6.18 |
5.2 |
5.76 |
3.68 |
6.01 |
5.05 |
7.36 |
5.89 |
24. Cost of borrowings |
0.44 |
0.71 |
3.24 |
4.68 |
2.04 |
7.33 |
1.88 |
1.11 |
25. Cost of funds |
3.25 |
3.59 |
5.41 |
3.82 |
5.77 |
5.31 |
6.76 |
5.47 |
26. Return on advances |
11.99 |
10.53 |
9.93 |
8.32 |
8.55 |
10.59 |
9.77 |
8.83 |
27. Return on investments |
8.16 |
6.22 |
8.73 |
7.24 |
9.72 |
8 |
9.37 |
7.01 |
28. Return on advances adjusted to cost of funds |
8.74 |
6.94 |
4.51 |
4.5 |
2.78 |
5.28 |
3.01 |
3.36 |
29. Return on investments adjusted to cost of funds |
4.91 |
2.63 |
3.32 |
3.42 |
3.95 |
2.69 |
2.61 |
1.54 |
30. Business per employee (in Rs.lakh) |
1,120.00 |
1,010.00 |
712.84 |
1,080.31 |
1,284.06 |
1,079.95 |
242 |
324.34 |
31. Profit per employee (in Rs.lakh) |
11 |
12 |
4.89 |
8.2 |
9.5 |
14.98 |
1.69 |
1.15 |
32. Capital adequacy ratio |
11.1 |
10.36 |
9.56 |
10.38 |
12.13 |
12.75 |
9.81 |
11.05 |
33. Capital adequacy ratio - Tier I |
7.05 |
6.09 |
5.96 |
5.84 |
10.06 |
8.91 |
6.63 |
6.14 |
34. Capital adequacy ratio - Tier II |
4.05 |
4.27 |
3.6 |
4.54 |
2.07 |
3.84 |
3.18 |
4.91 |
35. Ratio of net NPA to net advances |
5.21 |
2.21 |
1.18 |
0.2 |
4.25 |
2.72 |
3.55 |
2.6 |
Source : Compiled from annual accounts of banks of respective years |
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
||||||||
OTHER SCHEDULED COMMERCIAL BANKS |
||||||||
|
|
|
|
|
|
|
(in per cent) |
|
As on March 31 |
||||||||
Jammu & Kashmir Bank |
Karnataka Bank |
Karur Vysya Bank |
Kotak Mahindra Bank# |
|||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
1. Cash-deposit ratio |
4.91 |
8.22 |
5.27 |
4.13 |
4.5 |
5.53 |
0 |
2.84 |
2. Credit-deposit ratio |
54.59 |
49.75 |
47.03 |
49.62 |
65.3 |
68.06 |
0 |
47.03 |
3. Investment-deposit ratio |
45.91 |
45.29 |
53.46 |
51.87 |
36.12 |
36.76 |
0 |
64.65 |
4. (Credit+Investment)-deposit ratio |
100.5 |
95.04 |
100.49 |
101.49 |
101.42 |
104.82 |
0 |
111.67 |
5. Ratio of deposits to total liabilities |
87.38 |
88 |
89.5 |
88.94 |
82.9 |
83.17 |
0 |
76.66 |
6. Ratio of term deposits to total deposits |
66.61 |
69.74 |
81.48 |
79.72 |
78.53 |
77.13 |
0 |
40.58 |
7. Ratio of priority sector advances to total advances |
18.8 |
21.17 |
38.49 |
40.92 |
33.26 |
37.5 |
0 |
41.84 |
8. Ratio of term loan to total advances |
49.03 |
54.71 |
29.05 |
33.28 |
54.22 |
59.65 |
0 |
93.01 |
9. Ratio of secured advances to total advances |
90.3 |
92.01 |
91.62 |
91.08 |
92.22 |
85.67 |
0 |
78.58 |
10. Ratio of investments in non-approved |
41.38 |
38.96 |
22.93 |
38.33 |
26.37 |
20.75 |
0 |
21.02 |
11. Ratio of interest income to total assets |
9.06 |
8.01 |
9.53 |
8.55 |
9.13 |
9.75 |
0 |
4.96 |
12. Ratio of net interest margin to total assets |
3.34 |
3.26 |
1.82 |
2.15 |
3 |
4.47 |
0 |
2.93 |
13. Ratio of non-interest income to total assets |
1.82 |
1.59 |
2.81 |
2.72 |
2.35 |
1.12 |
0 |
1.64 |
14. Ratio of intemediation cost to total assets |
1.65 |
1.54 |
1.65 |
1.55 |
1.84 |
2.36 |
0 |
2.4 |
15. Ratio of wage bills to intemediation cost |
60.98 |
57.44 |
63.4 |
61 |
57.73 |
50.27 |
0 |
31.63 |
16. Ratio of wage bills to total expense |
13.65 |
14.1 |
11.19 |
11.92 |
13.34 |
15.55 |
0 |
17.15 |
17. Ratio of wage bills to total income |
9.24 |
9.24 |
8.49 |
8.41 |
9.27 |
10.93 |
0 |
11.5 |
18. Ratio of burden to total assets |
-0.17 |
-0.04 |
-1.16 |
-1.17 |
-0.5 |
1.24 |
0 |
0.76 |
19. Ratio of burden to interest income |
-1.91 |
-0.56 |
-12.14 |
-13.68 |
-5.5 |
12.76 |
0 |
15.28 |
20. Ratio of operating profits to total assets |
3.52 |
3.31 |
2.98 |
3.32 |
3.5 |
3.23 |
0 |
2.18 |
21. Return on assets |
2.01 |
1.92 |
1.29 |
1.34 |
2.25 |
2.43 |
0 |
2.4 |
22. Return on equity |
31 |
28.66 |
21.48 |
20.78 |
25.28 |
25.35 |
0 |
13 |
23. Cost of deposits |
6.27 |
5.26 |
8.43 |
7.03 |
7.07 |
6.04 |
0 |
1.2 |
24. Cost of borrowings |
12.61 |
5.83 |
6.26 |
4.17 |
3.29 |
6.25 |
0 |
3.95 |
25. Cost of funds |
6.37 |
5.27 |
8.39 |
6.98 |
6.85 |
6.05 |
0 |
1.48 |
26. Return on advances |
10.53 |
9.5 |
10.93 |
9.73 |
10.44 |
9.8 |
0 |
10.04 |
27. Return on investments |
10.01 |
8.75 |
9.87 |
8.7 |
9.81 |
13.22 |
0 |
2.5 |
28. Return on advances adjusted to cost of funds |
4.16 |
4.23 |
2.54 |
2.75 |
3.58 |
3.75 |
0 |
8.56 |
29. Return on investments adjusted to cost of funds |
3.65 |
3.48 |
1.47 |
1.73 |
2.96 |
7.17 |
0 |
1.02 |
30. Business per employee (in Rs.lakh) |
287 |
345 |
275.32 |
320.23 |
288 |
330 |
0 |
354.28 |
31. Profit per employee (in Rs.lakh) |
5 |
6 |
2.55 |
3.1 |
4.41 |
5.65 |
0 |
10.25 |
32. Capital adequacy ratio |
16.48 |
16.88 |
13.44 |
13.03 |
17.01 |
17.11 |
0 |
15.25 |
33. Capital adequacy ratio - Tier I |
12.48 |
12.98 |
11.23 |
10.45 |
14.89 |
15.1 |
0 |
14.64 |
34. Capital adequacy ratio - Tier II |
4 |
3.9 |
2.21 |
2.58 |
2.12 |
2.01 |
0 |
0.61 |
35. Ratio of net NPA to net advances |
1.58 |
1.48 |
7.36 |
4.98 |
4.2 |
2.32 |
0 |
0.17 |
# : See 'Explanatory Notes'. |
||||||||
Source : Compiled from annual accounts of banks of respective years |
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
||||||||
OTHER SCHEDULED COMMERCIAL BANKS |
||||||||
|
|
|
|
|
|
|
(in per cent) |
|
As on March 31 |
||||||||
Lakshmi Vilas Bank |
Lord Krishna Bank |
Nainital Bank |
Ratnakar Bank |
|||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
1. Cash-deposit ratio |
5.99 |
6.99 |
7.82 |
8.84 |
7.13 |
6.88 |
7.66 |
13.61 |
2. Credit-deposit ratio |
63.66 |
61.86 |
55.01 |
48.37 |
25.78 |
31.04 |
48.58 |
48.38 |
3. Investment-deposit ratio |
37.41 |
40.6 |
39.84 |
45.31 |
52.13 |
54.09 |
42.19 |
36.13 |
4. (Credit+Investment)-deposit ratio |
101.07 |
102.46 |
94.86 |
93.68 |
77.91 |
85.13 |
90.78 |
84.51 |
5. Ratio of deposits to total liabilities |
86.67 |
86.25 |
89.54 |
88.74 |
87.03 |
88.8 |
86.73 |
87.72 |
6. Ratio of term deposits to total deposits |
73.79 |
74.28 |
88.13 |
88.51 |
53.27 |
48.84 |
77.7 |
73.8 |
7. Ratio of priority sector advances to total advances |
34.64 |
37.55 |
12.75 |
36.29 |
56.69 |
56.49 |
23.92 |
22.42 |
8. Ratio of term loan to total advances |
37.53 |
41.12 |
21.7 |
24.61 |
30.92 |
38.43 |
38.09 |
35.49 |
9. Ratio of secured advances to total advances |
89.93 |
90.71 |
88.85 |
89.2 |
99.45 |
96.22 |
86.1 |
81.84 |
10. Ratio of investments in non-approved |
26.58 |
16.84 |
16.04 |
8.19 |
32.05 |
44.45 |
20.38 |
21.64 |
11. Ratio of interest income to total assets |
8.96 |
8.15 |
8.68 |
7.46 |
9.42 |
8.64 |
9.12 |
8.38 |
12. Ratio of net interest margin to total assets |
2.26 |
2.38 |
1.47 |
1.52 |
3.97 |
4.08 |
2.8 |
2.86 |
13. Ratio of non-interest income to total assets |
2.79 |
2.48 |
3.76 |
3.05 |
0.67 |
1.61 |
2.72 |
1.53 |
14. Ratio of intemediation cost to total assets |
2.4 |
2.26 |
2.36 |
2.41 |
3.02 |
3.14 |
2.68 |
2.6 |
15. Ratio of wage bills to intemediation cost |
59.41 |
58.35 |
42.72 |
38.7 |
74.89 |
76.58 |
58.49 |
60.7 |
16. Ratio of wage bills to total expense |
15.63 |
16.42 |
10.55 |
11.16 |
26.7 |
31.25 |
17.39 |
19.46 |
17. Ratio of wage bills to total income |
12.11 |
12.41 |
8.12 |
8.86 |
22.41 |
23.5 |
13.22 |
15.94 |
18. Ratio of burden to total assets |
-0.39 |
-0.22 |
-1.4 |
-0.65 |
2.35 |
1.53 |
-0.04 |
1.08 |
19. Ratio of burden to interest income |
-4.37 |
-2.64 |
-16.09 |
-8.65 |
24.97 |
17.76 |
-0.46 |
12.84 |
20. Ratio of operating profits to total assets |
2.65 |
2.59 |
2.87 |
2.16 |
1.62 |
2.54 |
2.84 |
1.79 |
21. Return on assets |
1.07 |
1.19 |
1.28 |
1.33 |
1.14 |
1.58 |
1.42 |
1.12 |
22. Return on equity |
19.17 |
19.61 |
20.25 |
20.54 |
17.16 |
19.62 |
25.84 |
17.87 |
23. Cost of deposits |
7.43 |
6.34 |
7.88 |
6.49 |
6.1 |
5.18 |
7.17 |
6.28 |
24. Cost of borrowings |
5.94 |
6.64 |
24.79 |
21.95 |
12.01 |
18.54 |
12.17 |
10.76 |
25. Cost of funds |
7.41 |
6.35 |
7.91 |
6.5 |
6.1 |
5.18 |
7.2 |
6.29 |
26. Return on advances |
10.58 |
9.5 |
9.9 |
8.61 |
11.49 |
11.43 |
13.06 |
11.74 |
27. Return on investments |
9.2 |
8.51 |
9.87 |
8.23 |
10.83 |
9.71 |
8.55 |
8.42 |
28. Return on advances adjusted to cost of funds |
3.18 |
3.15 |
1.99 |
2.11 |
5.39 |
6.25 |
5.86 |
5.45 |
29. Return on investments adjusted to cost of funds |
1.79 |
2.16 |
1.95 |
1.73 |
4.73 |
4.52 |
1.35 |
2.13 |
30. Business per employee (in Rs.lakh) |
228 |
276 |
261.17 |
308.94 |
115.4 |
124.56 |
179.73 |
198.4 |
31. Profit per employee (in Rs.lakh) |
1.72 |
2.11 |
2.36 |
2.37 |
1.17 |
1.91 |
1.81 |
1.58 |
32. Capital adequacy ratio |
11.35 |
13.79 |
12.82 |
16.54 |
20.93 |
18.54 |
14.05 |
16.65 |
33. Capital adequacy ratio - Tier I |
8.39 |
8.49 |
10.03 |
10.06 |
19.31 |
14.28 |
11.76 |
13.54 |
34. Capital adequacy ratio - Tier II |
2.96 |
5.3 |
2.79 |
6.48 |
1.62 |
4.26 |
2.29 |
3.11 |
35. Ratio of net NPA to net advances |
7.15 |
5.4 |
6.33 |
6.05 |
0 |
0 |
7.42 |
5.58 |
Source : Compiled from annual accounts of banks of respective years |
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
||||||||
OTHER SCHEDULED COMMERCIAL BANKS |
||||||||
|
|
|
|
|
|
(in per cent) |
||
As on March 31 |
||||||||
Sangli Bank |
SBI Comm.& Int. Bank |
South Indian Bank |
Tamilnadu Mercantile Bank |
|||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
1. Cash-deposit ratio |
4.63 |
4.97 |
5.81 |
5.88 |
5.78 |
4.89 |
6.63 |
5.08 |
2. Credit-deposit ratio |
33.86 |
34.9 |
35.58 |
32.29 |
52.66 |
50.69 |
47.98 |
48 |
3. Investment-deposit ratio |
56.82 |
58.1 |
30.07 |
38.32 |
43.71 |
47.85 |
52.44 |
53.44 |
4. (Credit+Investment)-deposit ratio |
90.68 |
93 |
65.64 |
70.61 |
96.37 |
98.54 |
100.43 |
101.44 |
5. Ratio of deposits to total liabilities |
92.32 |
93.3 |
83.94 |
76.31 |
89.94 |
89.47 |
86.51 |
86.54 |
6. Ratio of term deposits to total deposits |
66.62 |
66.4 |
94.22 |
88.81 |
80.81 |
79.03 |
75.73 |
74.76 |
7. Ratio of priority sector advances to total advances |
23.03 |
15.1 |
9.4 |
12.03 |
27.79 |
30.75 |
40.81 |
45.14 |
8. Ratio of term loan to total advances |
19.55 |
35.2 |
6.57 |
9.64 |
45.17 |
51.05 |
29.42 |
31.86 |
9. Ratio of secured advances to total advances |
93.92 |
95.8 |
88.95 |
99.52 |
82.81 |
85.96 |
95.11 |
95.19 |
10. Ratio of investments in non-approved |
22.07 |
21.6 |
6.88 |
2.49 |
10.48 |
8.24 |
49.07 |
41.13 |
11. Ratio of interest income to total assets |
7.83 |
7.08 |
7.56 |
7.33 |
9.24 |
8.06 |
10.48 |
10.96 |
12. Ratio of net interest margin to total assets |
2.24 |
2.75 |
1.95 |
2.5 |
2.48 |
2.37 |
3.76 |
4.4 |
13. Ratio of non-interest income to total assets |
1.78 |
1.6 |
1.94 |
2.57 |
2.79 |
1.32 |
1.38 |
|
14. Ratio of intemediation cost to total assets |
2.88 |
2.88 |
1.37 |
1.48 |
2 |
2.29 |
2.06 |
2.32 |
15. Ratio of wage bills to intemediation cost |
76.23 |
74.5 |
35.73 |
38.08 |
66.53 |
67.59 |
59.74 |
56.79 |
16. Ratio of wage bills to total expense |
25.95 |
29.7 |
7.01 |
8.92 |
15.19 |
19.41 |
14.03 |
14.82 |
17. Ratio of wage bills to total income |
22.88 |
24.7 |
5.14 |
5.06 |
11.26 |
14.28 |
10.44 |
10.66 |
18. Ratio of burden to total assets |
1.1 |
1.28 |
-0.58 |
-2.32 |
-0.57 |
-0.49 |
0.74 |
0.93 |
19. Ratio of burden to interest income |
14.09 |
18.1 |
-7.63 |
-31.61 |
-6.19 |
-6.14 |
7.09 |
8.52 |
20. Ratio of operating profits to total assets |
1.14 |
1.47 |
2.53 |
4.82 |
3.05 |
2.87 |
3.02 |
3.46 |
21. Return on assets |
0.66 |
0.64 |
-1.45 |
3.67 |
1.25 |
1 |
1.35 |
1.59 |
22. Return on equity |
15.55 |
14.6 |
-10.1 |
20.1 |
24.29 |
23.56 |
17.5 |
18.47 |
23. Cost of deposits |
6.01 |
4.65 |
6.69 |
5.98 |
7.33 |
6.15 |
7.62 |
6.59 |
24. Cost of borrowings |
4.48 |
5.2 |
3.58 |
0.8 |
0.39 |
0.38 |
0.65 |
1.56 |
25. Cost of funds |
6.01 |
4.65 |
6.58 |
5.94 |
7.25 |
6.08 |
7.53 |
6.53 |
26. Return on advances |
10.69 |
8.18 |
7.72 |
11.73 |
10.89 |
9.17 |
11.65 |
11.45 |
27. Return on investments |
6.26 |
6.58 |
11.34 |
7.72 |
10.1 |
8.88 |
12.34 |
11.72 |
28. Return on advances adjusted to cost of funds |
4.68 |
3.54 |
1.14 |
5.79 |
3.64 |
3.09 |
4.11 |
4.92 |
29. Return on investments adjusted to cost of funds |
0.25 |
1.94 |
4.76 |
1.78 |
2.85 |
2.8 |
4.81 |
5.19 |
30. Business per employee (in Rs.lakh) |
91.31 |
95.7 |
321.78 |
570.69 |
265 |
306 |
270.83 |
292 |
31. Profit per employee (in Rs.lakh) |
0.59 |
0.62 |
-7.71 |
17.12 |
2.04 |
2.39 |
2.88 |
4 |
32. Capital adequacy ratio |
14.94 |
13.7 |
21.19 |
30.43 |
10.75 |
11.32 |
18.54 |
21.07 |
33. Capital adequacy ratio - Tier I |
12.11 |
11 |
20.18 |
28.76 |
7.28 |
5.8 |
16.83 |
17.36 |
34. Capital adequacy ratio - Tier II |
2.83 |
2.68 |
1.01 |
1.67 |
3.47 |
5.52 |
1.71 |
3.71 |
35. Ratio of net NPA to net advances |
6.89 |
6.56 |
20.88 |
18.31 |
5.98 |
4.55 |
8.7 |
5 |
Source : Compiled from annual accounts of banks of respective years |
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
||||
OTHER SCHEDULED COMMERCIAL BANKS |
||||
|
|
|
(in per cent) |
|
As on March 31 |
||||
United Western Bank |
UTI Bank |
|||
2003 |
2004 |
2003 |
2004 |
|
|
(57) |
(58) |
(59) |
(60) |
1. Cash-deposit ratio |
6.35 |
5.55 |
9.43 |
18.03 |
2. Credit-deposit ratio |
58.35 |
58.23 |
42.32 |
44.68 |
3. Investment-deposit ratio |
35.52 |
37.53 |
46.22 |
37.19 |
4. (Credit+Investment)-deposit ratio |
93.87 |
95.76 |
88.54 |
81.87 |
5. Ratio of deposits to total liabilities |
90.28 |
90.07 |
86.5 |
86.77 |
6. Ratio of term deposits to total deposits |
74.57 |
70.15 |
76.96 |
61.92 |
7. Ratio of priority sector advances to total advances |
40.09 |
34.1 |
22.83 |
26.23 |
8. Ratio of term loan to total advances |
27.1 |
25.89 |
54.44 |
63.92 |
9. Ratio of secured advances to total advances |
89.75 |
89.2 |
88.8 |
88.94 |
10. Ratio of investments in non-approved securites to total investments |
25.44 |
18.3 |
40.92 |
35.12 |
11. Ratio of interest income to total assets |
8.59 |
7.06 |
8.62 |
7.25 |
12. Ratio of net interest margin to total assets |
2.14 |
1.86 |
1.9 |
2.58 |
13. Ratio of non-interest income to total assets |
2.61 |
2.03 |
2.42 |
2.47 |
14. Ratio of intemediation cost to total assets |
2.26 |
1.86 |
1.9 |
1.92 |
15. Ratio of wage bills to intemediation cost |
68.38 |
61.95 |
26.4 |
28.92 |
16. Ratio of wage bills to total expense |
17.75 |
16.35 |
5.82 |
8.42 |
17. Ratio of wage bills to total income |
13.81 |
12.7 |
4.54 |
5.7 |
18. Ratio of burden to total assets |
-0.35 |
-0.17 |
-0.52 |
-0.55 |
19. Ratio of burden to interest income |
-4.02 |
-2.37 |
-5.98 |
-7.62 |
20. Ratio of operating profits to total assets |
2.49 |
2.03 |
2.41 |
3.14 |
21. Return on assets |
0.46 |
0.43 |
1.17 |
1.42 |
22. Return on equity |
10.32 |
10.62 |
25.06 |
27.08 |
23. Cost of deposits |
6.84 |
5.43 |
7.23 |
4.93 |
24. Cost of borrowings |
5.12 |
6.61 |
2.72 |
3.12 |
25. Cost of funds |
6.79 |
5.44 |
6.94 |
4.87 |
26. Return on advances |
9.83 |
7.86 |
11.75 |
9.28 |
27. Return on investments |
9.72 |
8.26 |
7.96 |
8.17 |
28. Return on advances adjusted to cost of funds |
3.04 |
2.42 |
4.81 |
4.41 |
29. Return on investments adjusted to cost of funds |
2.92 |
2.82 |
1.02 |
3.3 |
30. Business per employee (in Rs.lakh) |
242 |
290 |
926 |
808 |
31. Profit per employee (in Rs.lakh) |
0.83 |
0.96 |
8.22 |
8.07 |
32. Capital adequacy ratio |
10.17 |
10.13 |
10.9 |
11.21 |
33. Capital adequacy ratio - Tier I |
6.4 |
5.33 |
6.44 |
6.44 |
34. Capital adequacy ratio - Tier II |
3.77 |
4.8 |
4.46 |
4.77 |
35. Ratio of net NPA to net advances |
9.5 |
8.95 |
2.39 |
1.29 |
Source : Compiled from annual accounts of banks of respective years |