OTHER SCHEDULED COMMERCIAL BANKS

(per cent)

As on March 31

Ratios

Development

Dhanalakshmi

Federal Bank

Ganesh Bank of

Credit Bank

Bank

Kurundwad

2000

2001

2000

2001

2000

2001

2000

2001

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

1.

Cash-deposit ratio

6.55

4.53

9.44

7.10

6.04

3.42

12.54

11.72

2.

Credit-deposit ratio

59.21

60.22

55.42

58.90

62.44

63.32

56.56

51.13

3.

Investment-deposit ratio

41.58

36.67

40.25

37.50

41.25

39.60

24.67

26.35

4.

(Credit + investment)-deposit ratio

100.79

96.89

95.67

96.40

103.69

102.92

81.23

77.47

5.

Ratio of deposits to total liabilities

83.16

86.52

87.87

88.19

85.02

86.91

92.32

93.45

6.

Ratio of term deposits to total deposits

83.11

86.34

79.21

79.37

77.76

76.52

76.13

77.58

7.

Ratio of priority sector advances to total advances

34.67

32.47

30.86

29.49

35.43

32.24

49.40

48.68

8.

Ratio of term-loans to total advances

35.85

45.91

31.01

31.57

30.19

31.63

64.83

66.84

9.

Ratio of secured advances to total advances

74.54

73.89

91.30

87.59

96.82

92.40

96.55

97.90

10.

Ratio of investments in non-approved securities to total investments

28.04

27.24

25.57

25.92

30.90

35.98

3.97

3.15

11.

Ratio of Interest income to total assets

9.26

10.66

10.97

10.77

11.25

11.19

11.97

11.44

12.

Ratio of net interest margin to total assets

1.99

2.38

2.87

2.42

2.30

2.89

2.62

2.26

13.

Ratio of non-interest income to total assets

2.36

1.34

1.66

1.58

1.69

1.52

0.66

0.50

14.

Ratio of intermediation cost to total assets

2.13

1.97

2.31

2.96

2.26

2.13

2.40

2.31

15.

Ratio of wage bills to intermediation cost

43.25

38.60

65.45

56.88

66.68

63.36

59.43

56.91

16.

Ratio of wage bills to total expenses

9.80

7.41

14.52

14.87

13.44

12.94

12.13

11.43

17.

Ratio of wage bills to total income

7.93

6.32

11.96

13.62

11.65

10.62

11.28

11.00

18.

Ratio of burden to total assets

-0.23

0.63

0.65

1.38

0.57

0.61

1.74

1.81

19.

Ratio of burden to interest income

-2.48

5.89

5.90

12.80

5.09

5.43

14.54

15.81

20.

Ratio of operating profits to total assets

2.22

1.76

2.02

1.04

1.73

2.28

0.88

0.45

21.

Return on assets

1.18

0.87

0.71

0.40

0.62

0.69

11.54

11.08

22.

Return on equity

12.11

10.94

16.08

8.91

13.55

15.70

3.49

5.39

23.

Cost of deposits

8.13

8.84

8.98

8.89

9.49

8.68

9.87

9.81

24.

Cost of borrowings

7.81

12.14

2.42

7.25

3.17

5.63

25.88

15.48

25.

Cost of funds

8.11

9.00

8.82

8.85

9.10

8.53

10.07

9.83

26.

Return on advances

11.48

11.45

13.56

12.25

12.80

12.63

16.18

15.14

27.

Return on investments

10.18

13.78

12.23

12.42

12.09

11.79

13.26

12.35

28.

Return on advances adjusted to cost of funds

3.37

2.45

4.74

3.40

3.70

4.10

6.11

5.31

29.

Return on investments adjusted to cost of funds

2.07

4.77

3.41

3.57

2.98

3.26

3.20

2.52

30.

Business per employee (in Rs. lakh)

344.00

429.00

153.66

184.28

161.00

190.00

94.77

105.40

31.

Profit per employee (in Rs. lakh)

2.26

2.34

0.82

0.52

0.72

0.97

0.09

0.16

32.

Capital adequacy ratio

11.34

11.28

10.02

9.69

11.33

10.29

9.14

9.11

33.

Capital adequacy ratio - Tier I

10.83

10.69

7.66

7.33

7.72

7.72

4.66

5.26

34.

Capital adequacy ratio - Tier II

0.51

0.59

2.36

2.36

3.61

2.57

4.48

3.85

35.

Ratio of net NPA to net advances

5.86

6.12

11.08

11.34

8.56

10.08

9.93

10.12

(per cent)

As on March 31

Ratios

Global Trust

HDFC Bank

ICICI Bank @

IDBI Bank

Bank

2000

2001

2000

2001

2000

2001

2000

2001

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

1.

Cash-deposit ratio

8.29

8.61

10.08

8.46

7.32

7.52

11.46

7.47

2.

Credit-deposit ratio

51.80

53.01

39.90

39.77

37.07

42.93

46.42

48.35

3.

Investment-deposit ratio

47.20

49.97

68.21

61.29

44.77

49.99

61.60

70.77

4.

(Credit + investment)-deposit ratio

99.00

102.98

108.10

101.06

81.84

92.92

108.02

119.12

5.

Ratio of deposits to total liabilities

82.31

81.65

72.30

74.65

81.72

82.98

76.42

72.53

6.

Ratio of term deposits to total deposits

81.61

86.66

53.67

59.18

78.50

72.51

82.55

77.00

7.

Ratio of priority sector advances to total advances

21.91

19.38

17.42

14.40

13.60

16.85

21.18

21.93

8.

Ratio of term-loans to total advances

24.89

32.02

39.35

54.86

10.35

13.84

35.04

28.07

9.

Ratio of secured advances to total advances

99.48

84.72

93.90

85.27

79.41

76.74

80.10

86.46

10.

Ratio of investments in non-approved securities to total investments

40.65

41.48

43.82

52.07

36.27

49.77

51.39

53.46

11.

Ratio of Interest income to total assets

10.15

10.56

8.50

9.24

8.95

7.81

10.69

11.43

12.

Ratio of net interest margin to total assets

2.19

2.36

3.82

3.71

1.95

2.54

2.30

2.15

13.

Ratio of non-interest income to total assets

3.66

1.93

1.57

1.36

2.04

1.38

1.39

1.48

14.

Ratio of intermediation cost to total assets

1.95

1.93

2.14

2.27

1.61

2.10

1.58

2.17

15.

Ratio of wage bills to intermediation cost

14.63

18.57

28.32

25.19

23.72

15.47

22.47

22.07

16.

Ratio of wage bills to total expenses

2.87

3.54

8.89

7.34

4.43

4.41

3.56

4.19

17.

Ratio of wage bills to total income

2.06

2.87

6.03

5.40

3.47

3.54

2.94

3.72

18.

Ratio of burden to total assets

-1.71

-0.01

0.58

0.91

-0.43

0.72

0.19

0.70

19.

Ratio of burden to interest income

-16.83

-0.05

6.77

9.85

-4.78

9.20

1.78

6.12

20.

Ratio of operating profits to total assets

3.90

2.36

3.24

2.80

2.38

1.82

0.28

1.46

21.

Return on assets

1.44

0.85

1.84

1.62

0.87

0.82

1.35

0.41

22.

Return on equity

26.54

14.39

19.14

22.99

14.45

13.09

25.58

7.34

23.

Cost of deposits

8.62

9.09

5.05

6.36

7.28

5.53

8.80

11.41

24.

Cost of borrowings

5.83

3.48

6.89

7.12

6.81

4.21

10.31

2.57

25.

Cost of funds

8.40

8.72

5.31

6.45

7.26

5.46

9.00

9.98

26.

Return on advances

14.26

13.41

11.21

12.33

12.06

10.68

12.93

12.43

27.

Return on investments

10.11

11.11

9.59

9.86

11.26

8.82

12.59

13.64

28.

Return on advances adjusted to cost of funds

5.87

4.69

5.90

5.88

4.80

5.23

3.93

2.45

29.

Return on investments adjusted to cost of funds

1.72

2.39

4.27

3.41

3.99

3.36

3.59

3.66

30.

Business per employee (in Rs. lakh)

855.00

832.00

942.00

643.00

594.99

815.22

923.01

684.67

31.

Profit per employee (in Rs. lakh)

12.00

7.00

10.00

8.61

7.83

10.45

11.15

2.50

32.

Capital adequacy ratio

13.68

12.71

12.19

11.09

19.64

11.57

11.80

11.72

33.

Capital adequacy ratio - Tier I

9.85

8.79

9.56

8.69

17.42

10.42

8.43

7.89

34.

Capital adequacy ratio - Tier II

3.83

3.92

2.63

2.40

2.22

1.15

3.37

3.83

35.

Ratio of net NPA to net advances

0.87

3.75

0.77

0.45

1.53

2.19

1.95

5.24

(per cent)

As on March 31

Ratios

IndusInd Bank

Jammu &

Karnataka Bank

Karur Vysya

Kashmir Bank

Bank

2000

2001

2000

2001

2000

2001

2000

2001

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

1.

Cash-deposit ratio

5.65

5.36

14.88

9.74

10.21

6.48

9.13

6.61

2.

Credit-deposit ratio

56.17

58.95

37.34

42.65

47.38

46.55

58.48

62.35

3.

Investment-deposit ratio

41.73

34.70

45.15

48.58

39.87

45.87

38.32

34.14

4.

(Credit + investment)-deposit ratio

97.90

93.66

82.49

91.22

87.25

92.42

96.80

96.50

5.

Ratio of deposits to total liabilities

81.86

83.06

89.21

87.80

90.11

90.99

82.52

85.27

6.

Ratio of term deposits to total deposits

84.64

88.95

63.73

69.21

78.82

80.41

79.81

78.52

7.

Ratio of priority sector advances to total advances

20.18

16.63

23.09

24.76

37.37

33.71

38.85

38.63

8.

Ratio of term-loans to total advances

20.78

20.64

40.06

48.34

23.64

24.55

30.03

33.12

9.

Ratio of secured advances to total advances

91.79

82.43

93.87

92.76

97.01

96.42

92.45

93.53

10.

Ratio of investments in non-approved securities to total investments

22.60

25.72

34.82

36.76

32.66

20.17

38.28

35.69

11.

Ratio of Interest income to total assets

9.00

8.75

9.79

9.25

10.89

10.53

12.18

11.55

12.

Ratio of net interest margin to total assets

1.92

1.91

3.17

3.07

2.15

2.45

3.99

3.89

13.

Ratio of non-interest income to total assets

2.04

1.40

1.16

0.69

1.36

1.44

1.68

1.35

14.

Ratio of intermediation cost to total assets

1.27

1.24

1.76

1.42

1.99

1.70

2.50

2.47

15.

Ratio of wage bills to intermediation cost

13.27

13.00

56.36

58.13

71.26

68.09

62.89

50.05

16.

Ratio of wage bills to total expenses

2.02

1.99

11.86

10.84

13.22

11.82

14.70

12.22

17.

Ratio of wage bills to total income

1.53

1.58

9.08

8.28

11.58

9.66

11.33

9.60

18.

Ratio of burden to total assets

-0.77

-0.16

0.60

0.72

0.63

0.26

0.81

1.12

19.

Ratio of burden to interest income

-8.56

-1.85

6.14

7.81

5.78

2.44

6.68

9.74

20.

Ratio of operating profits to total assets

2.69

2.07

2.57

2.34

1.52

2.19

3.18

2.77

21.

Return on assets

0.70

0.47

1.13

1.32

1.10

0.73

1.90

1.70

22.

Return on equity

10.55

7.52

25.13

27.30

20.31

13.72

31.25

24.44

23.

Cost of deposits

7.72

7.39

7.22

6.93

9.35

8.71

9.10

8.42

24.

Cost of borrowings

6.16

5.41

22.23

3.86

6.86

5.32

3.55

4.84

25.

Cost of funds

7.60

7.26

7.43

6.90

9.28

8.63

8.68

8.23

26.

Return on advances

10.24

9.41

11.77

10.52

13.41

13.13

14.33

13.14

27.

Return on investments

11.77

12.50

12.24

11.73

12.66

10.70

13.84

13.91

28.

Return on advances adjusted to cost of funds

2.64

2.15

4.34

3.62

4.13

4.50

5.65

4.91

29.

Return on investments adjusted to cost of funds

4.17

5.24

4.81

4.83

3.38

2.06

5.16

5.69

30.

Business per employee (in Rs. lakh)

2004.70

1582.36

175.00

212.00

177.68

210.28

169.00

192.00

31.

Profit per employee (in Rs. lakh)

13.23

6.98

1.91

2.58

1.43

1.11

2.60

2.52

32.

Capital adequacy ratio

13.24

15.00

18.82

17.44

11.04

11.37

15.16

15.56

33.

Capital adequacy ratio - Tier I

12.09

12.56

15.51

14.33

10.64

11.06

14.48

15.12

34.

Capital adequacy ratio - Tier II

1.15

2.44

3.31

3.11

0.40

0.31

0.68

0.44

35.

Ratio of net NPA to net advances

5.98

5.25

3.22

2.45

5.73

6.93

3.77

4.73

(per cent)

As on March 31

Ratios

Lakshmi Vilas

Lord Krishna

Nainital Bank

Nedungadi Bank

Bank

Bank

2000

2001

2000

2001

2000

2001

2000

2001

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

1.

Cash-deposit ratio

10.00

8.92

7.21

6.25

10.52

9.35

10.56

9.50

2.

Credit-deposit ratio

58.57

64.99

55.05

47.71

22.28

22.50

49.98

48.51

3.

Investment-deposit ratio

39.09

34.34

41.33

44.55

46.71

53.15

34.59

40.33

4.

(Credit + investment)-deposit ratio

97.67

99.33

96.37

92.26

68.99

75.64

84.57

88.83

5.

Ratio of deposits to total liabilities

84.93

87.21

85.03

87.02

92.70

91.83

91.32

92.03

6.

Ratio of term deposits to total deposits

72.34

75.56

84.14

87.52

54.82

55.29

81.70

83.25

7.

Ratio of priority sector advances to total advances

42.55

40.14

17.87

15.54

52.63

55.43

31.46

32.43

8.

Ratio of term-loans to total advances

23.27

21.55

36.51

46.10

21.85

0.00

23.13

22.42

9.

Ratio of secured advances to total advances

90.44

94.04

99.13

96.90

99.19

99.68

92.69

97.03

10.

Ratio of investments in non-approved securities to total investments

39.94

29.38

22.82

16.66

33.37

27.19

21.53

15.03

11.

Ratio of Interest income to total assets

10.62

10.20

10.63

10.09

10.50

10.43

11.35

9.74

12.

Ratio of net interest margin to total assets

2.86

2.70

1.59

1.66

4.22

4.09

3.14

1.09

13.

Ratio of non-interest income to total assets

2.85

2.39

2.07

1.72

0.59

0.45

1.64

1.59

14.

Ratio of intermediation cost to total assets

3.07

2.65

2.07

2.14

2.94

2.74

3.05

2.64

15.

Ratio of wage bills to intermediation cost

60.00

58.47

56.41

52.85

74.67

72.32

62.77

66.29

16.

Ratio of wage bills to total expenses

16.99

15.29

10.51

10.68

23.83

21.80

17.02

15.51

17.

Ratio of wage bills to total income

13.65

12.32

9.19

9.56

19.83

18.20

14.77

15.46

18.

Ratio of burden to total assets

0.21

0.26

0.00

0.42

2.36

2.29

1.42

1.05

19.

Ratio of burden to interest income

2.02

2.58

0.00

4.13

22.45

21.96

12.49

10.79

20.

Ratio of operating profits to total assets

1.42

2.44

1.59

1.24

1.86

1.80

1.72

0.04

21.

Return on assets

1.30

1.02

0.70

0.41

0.95

0.93

0.84

0.00

22.

Return on equity

0.68

20.22

14.14

9.21

22.85

21.49

28.65

-111.51

23.

Cost of deposits

8.55

8.11

9.77

9.07

6.77

6.87

8.54

9.01

24.

Cost of borrowings

11.43

11.75

0.16

9.93

24.83

180.68

8.05

10.76

25.

Cost of funds

8.68

8.25

9.46

9.09

6.77

6.87

8.54

9.03

26.

Return on advances

13.34

12.85

13.70

14.13

13.47

12.96

13.74

11.93

27.

Return on investments

10.83

9.58

12.26

9.92

12.35

12.22

13.85

11.93

28.

Return on advances adjusted to cost of funds

4.65

4.60

4.24

5.04

6.70

6.09

5.20

2.90

29.

Return on investments adjusted to cost of funds

2.14

1.32

2.81

0.83

5.57

5.35

5.32

2.90

30.

Business per employee (in Rs. lakh)

158.00

192.00

200.00

226.00

79.05

93.07

133.34

145.80

31.

Profit per employee (in Rs. lakh)

1.37

1.38

0.93

0.65

0.69

0.79

0.91

0.00

32.

Capital adequacy ratio

10.45

10.21

11.25

12.90

15.11

15.81

9.04

0.00

33.

Capital adequacy ratio - Tier I

8.10

8.52

9.70

8.60

14.32

13.72

5.73

0.00

34.

Capital adequacy ratio - Tier II

2.35

1.69

1.55

4.30

0.79

2.09

3.31

0.00

35.

Ratio of net NPA to net advances

5.38

6.47

13.94

12.92

0.82

0.00

15.65

21.04

(per cent)

As on March 31

Ratios

Ratnakar Bank

Sangli Bank

SBI Commercial

South Indian

& Intl. Bank

Bank

2000

2001

2000

2001

2000

2001

2000

2001

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

1.

Cash-deposit ratio

9.97

8.97

22.27

22.83

5.60

4.19

7.51

6.32

2.

Credit-deposit ratio

42.78

46.10

34.66

35.57

71.61

57.30

52.02

52.87

3.

Investment-deposit ratio

43.38

43.13

40.53

35.78

40.43

35.54

45.01

42.80

4.

(Credit + investment)-deposit ratio

86.15

89.24

75.19

71.34

112.04

92.84

97.03

95.68

5.

Ratio of deposits to total liabilities

87.42

89.31

92.61

93.42

72.63

77.36

87.44

89.50

6.

Ratio of term deposits to total deposits

74.21

76.70

62.25

65.16

92.44

93.35

78.10

79.76

7.

Ratio of priority sector advances to total advances

30.20

28.15

26.21

25.79

11.80

11.29

31.97

29.74

8.

Ratio of term-loans to total advances

41.40

43.05

19.61

20.93

17.98

7.77

39.07

38.35

9.

Ratio of secured advances to total advances

89.40

91.23

95.15

94.18

83.81

85.01

89.38

89.95

10.

Ratio of investments in non-approved securities to total investments

38.02

39.51

31.56

34.08

13.09

5.71

15.20

12.02

11.

Ratio of Interest income to total assets

11.06

11.06

9.08

9.50

10.16

9.49

11.69

11.19

12.

Ratio of net interest margin to total assets

3.15

3.34

2.79

3.28

2.14

1.14

2.95

3.09

13.

Ratio of non-interest income to total assets

1.83

1.65

1.48

0.89

2.53

1.46

1.86

1.50

14.

Ratio of intermediation cost to total assets

3.34

3.09

3.04

3.05

1.23

1.35

2.80

2.38

15.

Ratio of wage bills to intermediation cost

66.03

57.18

76.75

79.67

32.36

33.07

76.74

74.13

16.

Ratio of wage bills to total expenses

19.61

16.34

25.02

26.19

4.29

4.60

18.64

16.85

17.

Ratio of wage bills to total income

17.13

13.90

22.08

23.34

3.13

4.08

15.88

13.91

18.

Ratio of burden to total assets

1.51

1.44

1.56

2.15

-1.30

-0.11

0.95

0.88

19.

Ratio of burden to interest income

13.69

13.04

17.15

22.64

-12.79

-1.15

8.09

7.87

20.

Ratio of operating profits to total assets

1.63

1.90

1.24