TABLE B16 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS (EXCLUDING RRBs): 2002 AND 2003

FOREIGN BANKS

(per cent)

As on March 31

Ratios

JP Morgan Chase Bank#

KBC Bank#

Krung Thai Bank

Mashreq Bank

2002

2003

2002

2003

2002

2003

2002

2003

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

01. Cash-deposit ratio

5.61

4.23

13.70

6.77

4.02

3.50

3.43

02. Credit-deposit ratio

4.90

0.00

0.03

229.87

72.80

22.78

13.91

03. Investment-deposit ratio

219.48

285.10

17.04

100.92

47.88

87.43

78.78

04. (Credit + investment)-deposit ratio

224.38

285.10

17.07

330.79

120.68

110.21

92.69

05. Ratio of deposits to total liabilities

17.57

30.19

70.69

9.53

28.95

76.83

81.20

06. Ratio of term deposits to total deposits

85.78

52.47

100.00

2.31

24.49

89.65

92.26

07. Ratio of priority sector advances to total advances

0.00

-

0.00

0.00

11.89

20.96

56.89

08. Ratio of term-loans to total advances

100.00

-

100.00

9.41

0.00

2.12

9.94

09. Ratio of secured advances to total advances

100.00

-

75.00

64.58

88.11

91.40

81.50

10. Ratio of investments in non-approved securities to total investments

18.58

3.87

0.00

32.83

18.25

61.67

64.88

11. Ratio of Interest income to total assets

6.14

4.78

4.78

8.25

7.66

11.01

10.11

12. Ratio of net interest margin to total assets

3.21

3.53

-3.24

7.60

7.29

2.18

2.84

13. Ratio of non-interest income to total assets

11.88

4.38

1.84

0.65

0.48

2.88

2.11

14. Ratio of intermediation cost to total assets

7.04

2.72

2.62

4.11

4.71

1.85

1.70

15. Ratio of wage bills to intermediation cost

42.91

57.24

53.25

23.37

21.26

35.34

24.04

16. Ratio of wage bills to total expenses

30.29

39.26

13.09

20.18

19.71

6.12

4.55

17. Ratio of wage bills to total income

16.75

17.01

21.04

10.78

12.32

4.70

3.34

18. Ratio of burden to total assets

-4.84

-1.66

0.77

3.45

4.24

-1.03

-0.41

19. Ratio of burden to interest income

-78.81

-34.71

16.19

41.85

55.32

-9.34

-4.08

20. Ratio of operating profits to total assets

8.05

5.19

-4.02

4.15

3.05

3.21

3.26

21. Return on assets

3.18

3.10

-6.34

0.03

-0.73

1.59

3.24

22. Return on equity

7.89

9.38

-24.38

0.03

-1.04

24.68

27.48

23. Cost of deposits

9.20

2.25

8.69

4.08

1.54

9.31

9.04

24. Cost of borrowings

4.90

1.38

1.17

2.33

-

13.89

1.92

25. Cost of funds

6.34

1.79

7.22

3.83

1.83

9.83

8.37

26. Return on advances

103.83

-

5.87

8.42

7.70

15.56

18.07

27. Return on investments

12.35

4.93

8.46

10.72

9.24

10.88

9.71

28. Return on advances adjusted to cost of funds

97.50

-

-1.35

4.58

5.88

5.73

9.70

29. Return on investments adjusted to cost of funds

6.01

3.14

1.24

6.89

7.42

1.05

1.34

30. Business per employee (in Rs. lakh)

223.86

364.08

376.00

126.73

251.72

457.17

820.53

31. Profit per employee (in Rs. lakh)

38.61

37.37

-95.43

0.12

.-3.66

20.97

65.82

32. Capital adequacy ratio

85.88

72.95

96.75

167.65

119.88

20.54

39.38

33. Capital adequacy ratio - Tier I

85.21

69.97

96.75

166.21

118.43

20.31

37.42

34. Capital adequacy ratio - Tier II

0.67

2.98

0.00

1.44

1.45

0.23

1.96

35. Ratio of net NPA to net advances

0.00

0.00

0.00

35.36

0.00

0.00

0.00

(per cent)

As on March 31

Ratios

Mizuho Corporate Bank#

Oman International Bank

Overseas Chinese Bank

Siam Commercial Bank#

2002

2003

2002

2003

2002

2003

2002

2003

(57)

(58)

(59)

(60)

(61)

(62)

(63)

(64)

01. Cash-deposit ratio

1.89

1.82

5.38

7.53

74.12

21228.57

2.22

02. Credit-deposit ratio

145.32

131.34

11.14

7.82

625.17

426900.00

407.52

03. Investment-deposit ratio

37.83

45.49

30.91

30.98

1799.29

142657.14

141.25

04. (Credit + investment)-deposit ratio

183.15

176.83

42.05

38.80

2424.46

569557.14

548.76

05. Ratio of deposits to total liabilities

44.59

45.76

65.66

62.27

1.16

-

15.39

06. Ratio of term deposits to total deposits

98.57

95.99

89.16

87.73

29.94

-

94.47

07. Ratio of priority sector advances to total advances

12.15

6.90

25.70

38.15

-

-

10.04

08. Ratio of term-loans to total advances

9.10

9.86

44.43

48.07

-

-

35.16

09. Ratio of secured advances to total advances

38.43

86.57

92.60

93.09

73.62

38.15

58.38

10. Ratio of investments in non-approved securities to total investments

100.00

4.62

0.00

0.00

38.37

-

17.43

11. Ratio of Interest income to total assets

8.88

7.84

4.62

3.82

7.36

5.36

5.09

12. Ratio of net interest margin to total assets

2.34

2.48

-2.05

-1.59

6.86

5.36

-0.59

13. Ratio of non-interest income to total assets

1.09

1.13

1.11

1.61

0.89

0.15

0.38

14. Ratio of intermediation cost to total assets

2.26

2.47

1.21

1.27

14.17

5.96

1.41

15. Ratio of wage bills to intermediation cost

41.20

41.81

34.84

42.05

12.90

32.86

24.54

16. Ratio of wage bills to total expenses

10.59

13.19

5.36

7.97

12.46

32.81

4.89

17. Ratio of wage bills to total income

9.36

11.51

7.36

9.80

22.17

35.50

6.34

18. Ratio of burden to total assets

1.17

1.34

0.10

-0.35

13.28

5.81

1.03

19. Ratio of burden to interest income

13.19

17.09

2.14

-9.10

180.54

108.26

20.28

20. Ratio of operating profits to total assets

1.16

1.14

-2.15

-1.25

-6.42

-0.45

-1.62

21. Return on assets

-1.57

0.31

-5.80

2.19

-

-

-33.38

22. Return on equity

-7.21

1.28

-21.45

-6.83

-4.23

-0.25

-480.79

23. Cost of deposits

11.23

7.57

9.49

7.92

4.95

1.38

18.51

24. Cost of borrowings

4.36

3.93

8.83

9.77

-

-

4.82

25. Cost of funds

8.41

6.08

9.45

8.02

4.95

1.42

8.82

26. Return on advances

10.24

9.13

6.11

7.14

9.54

-

4.56

27. Return on investments

10.73

7.79

10.20

8.32

11.65

10.88

8.59

28. Return on advances adjusted to cost of funds

1.83

3.05

-3.34

-0.88

4.60

-1.42

-4.26

29. Return on investments adjusted to cost of funds

2.31

1.71

0.75

0.31

6.70

9.46

-0.23

30. Business per employee (in Rs. lakh)

570.51

486.66

961.83

1355.31

38.52

99.63

1731.19

31. Profit per employee (in Rs. lakh)

-11.80

2.21

-45.39

-26.81

-

-

-739.67

32. Capital adequacy ratio

11.14

18.50

18.86

14.62

192.12

385.49

-13.33

33. Capital adequacy ratio - Tier I

11.01

18.19

17.28

14.18

191.78

384.84

-13.51

34. Capital adequacy ratio - Tier II

0.13

0.31

1.58

0.44

0.34

0.65

0.18

35. Ratio of net NPA to net advances

4.75

0.76

41.52

41.15

100.00

100.00

71.95

(per cent)

As on March 31

Ratios

Societe Generale

Sonali Bank

Standard Chartered Bank

Standard Chartered Grindlays Bank

2002

2003

2002

2003

2002

2003

2002

2003

(65)

(66)

(67)

(68)

(69)

(70)

(71)

(72)

01. Cash-deposit ratio

7.84

9.00

6.51

10.90

8.22

6.43

5.33

02. Credit-deposit ratio

111.63

67.87

53.74

21.36

124.70

72.44

18.00

03. Investment-deposit ratio

109.21

215.89

30.47

18.68

96.87

56.79

26.68

04. (Credit + investment)-deposit ratio

220.84

283.75

84.21

40.04

221.57

129.23

44.68

05. Ratio of deposits to total liabilities

24.06

22.89

48.24

77.71

38.30

61.42

78.95

06. Ratio of term deposits to total deposits

76.45

84.44

22.75

20.46

62.28

63.19

53.85

07. Ratio of priority sector advances to total advances

21.22

17.17

79.88

7.94

20.36

21.21

1.86

08. Ratio of term-loans to total advances

14.14

12.31

-

-

58.62

61.36

72.03

09. Ratio of secured advances to total advances

74.45

80.21

100.00

37.20

55.35

62.77

55.06

10. Ratio of investments in non-approved securities to total investments

45.02

22.16

7.65

17.19

42.27

35.69

14.90

11. Ratio of Interest income to total assets

6.96

5.65

3.23

4.09

10.53

9.48

8.55

12. Ratio of net interest margin to total assets

1.09

1.98

1.40

1.13

4.55

4.70

3.48

13. Ratio of non-interest income to total assets

1.39

1.59

8.02

7.30

3.31

2.32

2.55

14. Ratio of intermediation cost to total assets

2.60

2.99

6.07

6.21

2.88

2.40

3.78

15. Ratio of wage bills to intermediation cost

44.78

47.38

49.33

54.21

31.71

28.51

47.79

16. Ratio of wage bills to total expenses

13.76

21.27

37.91

36.72

10.31

9.53

20.44

17. Ratio of wage bills to total income

13.96

19.57

26.62

29.58

6.60

5.80

16.30

18. Ratio of burden to total assets

1.22

1.40

-1.95

-1.09

-0.43

0.08

1.23

19. Ratio of burden to interest income

17.48

24.75

-60.23

-26.56

-4.07

0.81

14.44

20. Ratio of operating profits to total assets

-0.12

0.58

3.35

2.21

4.98

4.62

2.25

21. Return on assets

-2.18

-1.44

1.40

1.23

2.17

2.92

2.48

22. Return on equity

-16.67

-8.52

11.12

11.13

35.87

39.56

28.53

23. Cost of deposits

9.95

4.91

1.82

2.75

5.83

6.65

5.35

24. Cost of borrowings

5.41

4.64

684.84

0.64

7.36

4.13

5.93

25. Cost of funds

7.01

4.73

3.33

2.74

6.67

5.75

5.44

26. Return on advances

10.38

8.84

9.18

7.57

14.03

13.23

12.35

27. Return on investments

11.32

6.39

11.11

12.89

10.01

8.80

12.39

28. Return on advances adjusted to cost of funds

3.37

4.11

5.85

4.83

7.36

7.49

6.91

29. Return on investments adjusted to cost of funds

4.32

1.66

7.78

10.15

3.35

3.05

6.96

30. Business per employee (in Rs. lakh)

340.60

351.50

59.93

76.62

801.00

840.54

850.00

31. Profit per employee (in Rs. lakh)

-15.40

-13.60

2.96

1.05

20.00

25.15

23.00

32. Capital adequacy ratio

12.85

32.63

113.64

46.86

9.28

10.56

13.08

33. Capital adequacy ratio - Tier I

11.60

31.19

113.64

46.42

6.90

6.81

6.54

34. Capital adequacy ratio - Tier II

1.25

1.44

-

0.44

2.38

3.75

6.54

35. Ratio of net NPA to net advances

0.52

-

1.58

6.77

0.40

-

0.59

(per cent)

As on March 31

Ratios

State Bank of Mauritius

Sumitomo Mitsui Bank#

Toronto Dominion Bank

UFJ Bank#

2002

2003

2002

2003

2002

2003

2002

2003

(73)

(74)

(75)

(76)

(77)

(78)

(79)

(80)

01. Cash-deposit ratio

5.69

6.12

21.35

35.95

-

-

7.36

10.81

02. Credit-deposit ratio

107.80

159.07

158.53

186.80

-

-

108.41

150.49

03. Investment-deposit ratio

71.55

67.86

106.84

122.17

-

-

61.32

65.13

04. (Credit + investment)-deposit ratio

179.35

226.93

265.37

308.97

-

-

169.74

215.62

05. Ratio of deposits to total liabilities

46.75

38.96

31.94

25.80

-

-

50.04

32.06

06. Ratio of term deposits to total deposits

85.91

87.26

66.74

43.66

-

-

83.82

70.52

07. Ratio of priority sector advances to total advances

27.62

15.48

24.17

28.83

23.32

-

27.78

14.58

08. Ratio of term-loans to total advances

40.89

56.17

33.95

1.49

76.68

100.00

32.47

18.47

09. Ratio of secured advances to total advances

97.08

79.12

87.12

83.68

100.00

100.00

80.23

89.87

10. Ratio of investments in non-approved securities to total investments

19.19

23.22

34.49

38.24

1.61

-

29.10

26.64

11. Ratio of Interest income to total assets

8.64

6.23

18.66

9.43

10.16

8.62

10.03

6.32

12. Ratio of net interest margin to total assets

2.52

2.55

7.10

4.93

9.90

8.59

4.45

3.49

13. Ratio of non-interest income to total assets

2.84

2.89

2.00

1.17

-0.10

-0.25

0.97

0.83

14. Ratio of intermediation cost to total assets

1.10

1.23

4.35

2.11

4.02

4.08

1.93

1.72

15. Ratio of wage bills to intermediation cost

34.85

32.57

36.17

32.02

39.39

42.84

23.33

29.49

16. Ratio of wage bills to total expenses

5.33

8.18

9.89

10.21

36.99

42.57

5.99

11.15

17. Ratio of wage bills to total income

3.35

4.41

7.62

6.37

15.74

20.87

4.09

7.10

18. Ratio of burden to total assets

-1.73

-1.65

2.35

0.94

4.12

4.33

0.96

0.89

19. Ratio of burden to interest income

-20.06

-26.55

12.59

9.98

40.58

50.20

9.59

14.14

20. Ratio of operating profits to total assets

4.25

4.20

4.75

3.99

5.78

4.27

3.48

2.60

21. Return on assets

0.85

1.18

-3.13

0.20

2.99

1.45

0.05

0.31

22. Return on equity

2.96

3.70

-21.24

-26.70

3.13

1.50

0.22

0.76

23. Cost of deposits

10.05

7.20

11.35

5.98

14.88

-

7.47

5.33

24. Cost of borrowings

6.91

2.37

19.22

6.79

1.40

-

7.29

3.96

25. Cost of funds

9.02

5.40

14.96

6.45

2.71

-

7.38

4.95

26. Return on advances

10.84

6.88

23.25

13.33

12.23

23.80

10.75

7.20

27. Return on investments

8.58

7.43

15.14

7.27

18.72

9.68

11.60

7.59

28. Return on advances adjusted to cost of funds

1.82

1.48

8.29

6.88

9.52

-

3.36

2.25

29. Return on investments adjusted to cost of funds

-0.44

2.02

0.18

0.82

16.01

-

4.22

2.63

30. Business per employee (in Rs. lakh)

1012.00

1124.00

859.42

447.18

283.26

256.61

875.50

892.40

31. Profit per employee (in Rs. lakh)

8.8

12.00

-20.75

0.15

19.72

15.53

0.43

3.06

32. Capital adequacy ratio

46.78

31.74

20.96

35.49

173.28

324.62

29.44

67.68

33. Capital adequacy ratio - Tier I

46.20

31.13

20.86

27.73

172.05

323.44

29.44

67.07

34. Capital adequacy ratio - Tier II

0.58

0.61

0.10

7.76

1.23

1.18

-

0.61

35. Ratio of net NPA to net advances

16.30

14.20

18.52

19.81

-

-

12.69

8.58

TABLE B16 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS (EXCLUDING RRBs): 2002 AND 2003

OTHER SCHEDULED COMMERCIAL BANKS

(per cent)

As on March 31

Ratios

Bank of Punjab

Bank of Rajasthan

Bharat Overseas Bank

Catholic Syrian Bank

2002

2003

2002

2003

2002

2003

2002

2003

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

01. Cash-deposit ratio

7.09

11.31

8.91

7.15

5.38

4.33

6.47

6.09

02. Credit-deposit ratio

48.05

50.06

49.39

41.92

49.39

53.65

37.94

41.95

03. Investment-deposit ratio

40.89

41.37

47.57

49.87

36.61

37.78

42.53

51.60

04. (Credit + investment)-deposit ratio

88.94

91.43

96.96

91.78

86.01

91.44

80.48

93.55

05. Ratio of deposits to total liabilities

86.37

83.74

82.44

86.45

86.54

88.07

91.74

90.77

06. Ratio of term deposits to total deposits

73.09

68.34

57.09

63.93

76.94

78.15

78.20

77.59

07. Ratio of priority sector advances to total advances

12.94

15.79

28.65

22.33

21.28

22.71

25.50

20.81

08. Ratio of term-loans to total advances

57.75

58.45

35.78

42.81

21.86

27.59

47.37

44.33

09. Ratio of secured advances to total advances

86.84

88.94

91.46

88.47

87.33

87.51

94.53

95.72

10. Ratio of investments in non-approved securities to total investments

23.45

25.79

26.36

21.01

13.32

17.13

18.67

12.93

11. Ratio of Interest income to total assets

9.54

8.65

9.90

8.65

8.41

7.74

10.41

9.45

12. Ratio of net interest margin to total assets

2.37

2.42

2.83

3.31

2.48

2.66

2.49

2.44

13. Ratio of non-interest income to total assets

3.08

3.30

2.13

2.31

2.49

1.58

3.06

3.41

14. Ratio of intermediation cost to total assets

3.49

3.06

3.17

2.90

2.29

2.07

2.76

2.80

15. Ratio of wage bills to intermediation cost

10.01

13.28

64.83

65.43

44.77

45.64

75.25

75.62

16. Ratio of wage bills to total expenses

3.28

4.37

20.08

23.05

12.45

13.22

19.43

21.58

17. Ratio of wage bills to total income

2.77

3.40

17.11

17.33

9.39

10.15

15.40

16.47

18. Ratio of burden to total assets

0.41

-0.24

1.05

0.59

-0.20

0.49

-0.30

-0.61

19. Ratio of burden to interest income

4.31

-2.79

10.57

6.82

-2.42

6.38

-2.90

-6.44

20. Ratio of operating profits to total assets

1.96

2.66

1.78

2.72

2.68

2.17

2.80

3.05

21. Return on assets

0.92

0.79

0.84

1.12

1.08

1.17

1.07

1.17

22. Return on equity

19.27

15.69

19.56

26.37

20.39

21.66

42.96

36.89

23. Cost of deposits

8.07

6.74

8.54

6.21

6.63

5.66

8.42

7.52

24. Cost of borrowings

4.93

10.93

1.32

7.61

4.32

2.56

5.10

3.74

25. Cost of funds

7.90

6.86

8.49

6.21

6.55

5.56

8.40

7.51

26. Return on advances

12.12

10.35

11.50

10.14

9.86

8.93

12.60

11.57

27. Return on investments

10.90

11.33

11.01

10.23

10.77

9.55

12.32

10.93

28. Return on advances adjusted to cost of funds

4.22

3.48

3.00

3.93

3.31

3.37

4.20

4.05

29. Return on investments adjusted to cost of funds

3.00

4.46

2.52

4.02

4.22

3.99

3.92

3.42

30. Business per employee (in Rs. lakh)

519.90

465.18

135.84

164.64

259.00

317.00

140.98

164.94

31. Profit per employee (in Rs. lakh)

3.74

2.75

0.94

1.63

2.17

2.77

1.23

1.57

32. Capital adequacy ratio

12.82

13.59

12.07

11.29

15.09

13.87

9.57

9.66

33. Capital adequacy ratio - Tier I

8.47

8.47

10.01

8.92

12.55

10.55

5.97

6.32

34. Capital adequacy ratio - Tier II

4.35

5.12

2.06

2.37

2.54

3.32

3.60

3.34

35. Ratio of net NPA to net advances

2.93

7.17

8.86

6.80

4.38

3.31

9.92

7.90

(per cent)

As on March 31

Ratios

Centurion Bank

City Union Bank

Development Credit Bank

Dhanalakshmi Bank

2002

2003

2002

2003

2002

2003

2002

2003

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

01. Cash-deposit ratio

8.65

7.76

7.28

6.63

7.19

6.65

6.10

6.97

02. Credit-deposit ratio

46.00

46.34

51.23

52.41

61.20

68.04

55.38

58.79

03. Investment-deposit ratio

34.72

35.25

46.17

47.43

32.73

33.46

39.30

36.73

04. (Credit + investment)-deposit ratio

80.71

81.59

97.39

99.84

93.92

101.50

94.68

95.52

05. Ratio of deposits to total liabilities

85.26

83.73

88.51

88.13

88.13

82.90

87.80

87.26

06. Ratio of term deposits to total deposits

83.04

78.88

78.74

79.29

84.58

83.02

79.40

75.60

07. Ratio of priority sector advances to total advances

19.15

23.71

33.69

38.92

34.01

31.80

28.91

25.05

08. Ratio of term-loans to total advances

58.86

65.75

28.90

29.17

43.91

53.40

31.18

35.03

09. Ratio of secured advances to total advances

85.38

87.92

95.27

94.87

72.43

89.90