B11 : Selected Ratios of Scheduled Commercial Banks : 2004 and 2005 (Part 1 of 3) - ആർബിഐ - Reserve Bank of India
B11 : Selected Ratios of Scheduled Commercial Banks : 2004 and 2005 (Part 1 of 3)
(in per cent) |
|||||||||
As on March 31 |
|||||||||
State Bank of |
State Bank of |
State Bank of |
State Bank of |
||||||
India |
Bikaner and Jaipur |
Hyderabad |
Indore |
||||||
Ratios |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
||
1. |
Cash-deposit ratio |
5.98 |
4.58 |
8.06 |
4.86 |
7.50 |
4.81 |
5.30 |
4.10 |
2. |
Credit-deposit ratio |
49.57 |
55.14 |
54.96 |
63.08 |
48.70 |
53.92 |
61.49 |
65.48 |
3. |
Investment-deposit ratio |
58.28 |
53.70 |
53.89 |
43.92 |
61.91 |
50.33 |
52.11 |
42.72 |
4. |
(Credit + investment)-deposit ratio |
107.84 |
108.83 |
108.85 |
107.00 |
110.61 |
104.25 |
113.59 |
108.20 |
5. |
Ratio of deposits to total liabilities |
78.13 |
79.81 |
77.22 |
81.36 |
79.15 |
82.84 |
79.87 |
81.71 |
6. |
Ratio of term deposits to total deposits |
59.23 |
58.72 |
54.49 |
56.88 |
65.61 |
67.37 |
65.65 |
69.17 |
7. |
Ratio of priority sector advances to total advances |
27.04 |
28.59 |
43.86 |
45.10 |
39.51 |
39.69 |
46.32 |
43.69 |
8. |
Ratio of term-loans to total advances |
46.69 |
52.87 |
34.46 |
42.81 |
45.46 |
54.84 |
47.80 |
54.04 |
9. |
Ratio of secured advances to total advances |
83.15 |
77.06 |
90.03 |
87.39 |
86.94 |
78.54 |
88.48 |
89.16 |
10. |
Ratio of investments in non-approved securities to total investments |
12.79 |
11.13 |
5.44 |
4.38 |
9.60 |
6.97 |
6.64 |
4.27 |
11. |
Ratio of Interest income to total assets |
7.77 |
7.47 |
8.22 |
7.98 |
7.80 |
7.09 |
8.57 |
7.41 |
12. |
Ratio of net interest margin to total assets |
2.85 |
3.21 |
3.74 |
3.98 |
2.96 |
2.94 |
3.71 |
3.35 |
13. |
Ratio of non-interest income to total assets |
1.94 |
1.64 |
2.57 |
2.21 |
2.49 |
1.29 |
2.95 |
1.19 |
14. |
Ratio of intermediation cost to total assets |
2.36 |
2.32 |
2.75 |
2.85 |
1.88 |
2.05 |
2.31 |
2.19 |
15. |
Ratio of wage bills to intermediation cost |
69.74 |
68.56 |
68.48 |
66.73 |
63.86 |
59.22 |
62.92 |
59.48 |
16. |
Ratio of wage bills to total expenses |
22.61 |
24.19 |
26.06 |
27.79 |
17.91 |
19.53 |
20.28 |
20.87 |
17. |
Ratio of wage bills to total income |
16.94 |
17.47 |
17.46 |
18.68 |
11.69 |
14.46 |
12.61 |
15.16 |
18. |
Ratio of burden to total assets |
0.42 |
0.68 |
0.18 |
0.64 |
-0.61 |
0.76 |
-0.65 |
1.00 |
19. |
Ratio of burden to interest income |
5.36 |
9.11 |
2.23 |
8.00 |
-7.81 |
10.72 |
-7.53 |
13.53 |
20. |
Ratio of operating profits to total assets |
2.44 |
2.53 |
3.56 |
3.34 |
3.57 |
2.18 |
4.36 |
2.35 |
21. |
Return on assets |
0.94 |
0.99 |
1.49 |
0.88 |
1.25 |
0.72 |
1.73 |
0.79 |
22. |
Return on equity |
19.67 |
19.43 |
29.39 |
16.81 |
26.99 |
15.03 |
32.94 |
15.73 |
23. |
Cost of deposits |
5.90 |
5.01 |
5.81 |
4.84 |
5.90 |
4.90 |
5.75 |
4.72 |
24. |
Cost of borrowings |
1.42 |
2.51 |
1.43 |
3.65 |
2.66 |
3.84 |
0.17 |
2.45 |
25. |
Cost of funds |
5.74 |
4.90 |
5.68 |
4.80 |
5.81 |
4.87 |
5.56 |
4.60 |
26. |
Return on advances |
7.62 |
7.24 |
8.99 |
8.73 |
8.93 |
8.09 |
8.57 |
8.05 |
27. |
Return on investments |
8.78 |
8.37 |
10.22 |
9.49 |
8.86 |
7.82 |
9.96 |
8.01 |
28. |
Return on advances adjusted to cost of funds |
1.88 |
2.34 |
3.32 |
3.93 |
3.12 |
3.22 |
3.00 |
3.44 |
29. |
Return on investments adjusted to cost of funds |
3.04 |
3.48 |
4.55 |
4.68 |
3.05 |
2.96 |
4.40 |
3.41 |
30. |
Business per employee (in Rs. lakh) |
210.56 |
243.08 |
169.82 |
220.29 |
265.86 |
339.74 |
230.77 |
293.88 |
31. |
Profit per employee (in Rs. lakh) |
1.77 |
2.08 |
5.52 |
5.98 |
2.87 |
1.91 |
3.45 |
2.07 |
32. |
Capital adequacy ratio |
13.53 |
12.45 |
12.93 |
12.60 |
14.29 |
11.74 |
12.39 |
11.61 |
33. |
Capital adequacy ratio - Tier I |
8.34 |
8.04 |
9.03 |
7.95 |
8.42 |
7.58 |
8.31 |
6.67 |
34. |
Capital adequacy ratio - Tier II |
5.19 |
4.41 |
3.90 |
4.65 |
5.87 |
4.16 |
4.08 |
4.94 |
35. |
Ratio of net NPA to net advances |
3.48 |
2.65 |
1.24 |
1.61 |
0.65 |
0.61 |
0.00 |
1.00 |
Source : Compiled from annual accounts of banks of respective years. |
(in per cent) |
|||||||||
As on March 31 |
|||||||||
State Bank of |
State Bank of |
State Bank of |
State Bank of |
||||||
Mysore |
Patiala |
Saurashtra |
Travancore |
||||||
Ratios |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
||
1. |
Cash-deposit ratio |
6.41 |
6.93 |
4.84 |
6.30 |
6.88 |
6.76 |
4.86 |
8.55 |
2. |
Credit-deposit ratio |
56.90 |
64.64 |
58.23 |
57.97 |
49.09 |
53.23 |
56.45 |
61.53 |
3. |
Investment-deposit ratio |
49.50 |
42.67 |
49.44 |
46.47 |
54.77 |
48.25 |
54.65 |
43.89 |
4. |
(Credit + investment)-deposit ratio |
106.40 |
107.30 |
107.67 |
104.44 |
103.86 |
101.48 |
111.10 |
105.42 |
5. |
Ratio of deposits to total liabilities |
80.56 |
82.07 |
83.55 |
84.11 |
83.15 |
83.87 |
82.16 |
83.58 |
6. |
Ratio of term deposits to total deposits |
63.77 |
64.31 |
65.59 |
68.37 |
69.34 |
70.84 |
68.30 |
70.38 |
7. |
Ratio of priority sector advances to total advances |
36.52 |
40.45 |
39.39 |
44.04 |
42.67 |
38.96 |
37.22 |
38.36 |
8. |
Ratio of term-loans to total advances |
45.03 |
48.37 |
44.26 |
56.69 |
31.97 |
45.70 |
37.65 |
44.10 |
9. |
Ratio of secured advances to total advances |
94.74 |
91.90 |
87.28 |
83.56 |
87.54 |
77.35 |
86.67 |
83.26 |
10. |
Ratio of investments in non-approved securities to total investments |
11.13 |
7.71 |
8.32 |
5.59 |
6.78 |
5.61 |
4.45 |
3.27 |
11. |
Ratio of Interest income to total assets |
8.42 |
7.71 |
7.84 |
7.31 |
8.25 |
8.12 |
8.09 |
7.60 |
12. |
Ratio of net interest margin to total assets |
3.62 |
3.59 |
3.41 |
3.34 |
3.41 |
3.64 |
3.18 |
3.39 |
13. |
Ratio of non-interest income to total assets |
2.71 |
2.55 |
2.62 |
1.22 |
2.70 |
0.82 |
2.18 |
1.55 |
14. |
Ratio of intermediation cost to total assets |
2.95 |
3.16 |
1.86 |
1.64 |
2.29 |
1.82 |
2.10 |
1.90 |
15. |
Ratio of wage bills to intermediation cost |
71.68 |
69.02 |
62.64 |
61.40 |
59.88 |
64.99 |
70.01 |
67.15 |
16. |
Ratio of wage bills to total expenses |
27.26 |
30.00 |
18.56 |
17.98 |
19.22 |
18.79 |
20.99 |
20.90 |
17. |
Ratio of wage bills to total income |
18.97 |
21.28 |
11.16 |
11.82 |
12.52 |
13.24 |
14.33 |
13.97 |
18. |
Ratio of burden to total assets |
0.23 |
0.61 |
-0.75 |
0.42 |
-0.41 |
1.00 |
-0.08 |
0.36 |
19. |
Ratio of burden to interest income |
2.79 |
7.97 |
-9.61 |
5.78 |
-5.01 |
12.35 |
-1.01 |
4.69 |
20. |
Ratio of operating profits to total assets |
3.39 |
2.98 |
4.17 |
2.92 |
3.82 |
2.64 |
3.26 |
3.03 |
21. |
Return on assets |
1.28 |
1.25 |
1.60 |
0.91 |
1.38 |
0.27 |
1.02 |
0.86 |
22. |
Return on equity |
34.83 |
30.82 |
27.39 |
15.21 |
25.47 |
5.27 |
29.68 |
24.05 |
23. |
Cost of deposits |
5.64 |
4.77 |
5.21 |
4.64 |
5.73 |
5.17 |
5.59 |
4.79 |
24. |
Cost of borrowings |
0.91 |
2.58 |
2.26 |
3.79 |
0.80 |
1.61 |
0.56 |
1.37 |
25. |
Cost of funds |
5.51 |
4.73 |
5.14 |
4.62 |
5.49 |
4.95 |
5.54 |
4.76 |
26. |
Return on advances |
9.65 |
8.70 |
8.33 |
7.90 |
8.46 |
7.61 |
8.55 |
7.79 |
27. |
Return on investments |
9.37 |
8.46 |
8.31 |
7.85 |
9.63 |
9.70 |
8.80 |
8.58 |
28. |
Return on advances adjusted to cost of funds |
4.14 |
3.97 |
3.19 |
3.28 |
2.97 |
2.66 |
3.00 |
3.03 |
29. |
Return on investments adjusted to cost of funds |
3.86 |
3.73 |
3.16 |
3.23 |
4.15 |
4.76 |
3.26 |
3.82 |
30. |
Business per employee (in Rs. lakh) |
162.81 |
203.54 |
305.24 |
361.15 |
193.16 |
249.60 |
271.78 |
346.25 |
31. |
Profit per employee (in Rs. lakh) |
1.82 |
2.16 |
3.69 |
2.48 |
2.40 |
0.56 |
2.16 |
2.21 |
32. |
Capital adequacy ratio |
11.53 |
12.08 |
13.56 |
14.21 |
14.53 |
11.45 |
11.36 |
11.05 |
33. |
Capital adequacy ratio - Tier I |
7.18 |
7.12 |
9.87 |
11.05 |
10.99 |
8.68 |
6.23 |
6.17 |
34. |
Capital adequacy ratio - Tier II |
4.35 |
4.96 |
3.69 |
3.16 |
3.54 |
2.77 |
5.13 |
4.88 |
35. |
Ratio of net NPA to net advances |
2.96 |
0.92 |
0.00 |
1.23 |
0.00 |
1.40 |
1.39 |
1.81 |
Source : Compiled from annual accounts of banks of respective years. |
(in per cent) |
|||||||||||
As on March 31 |
|||||||||||
Allahabad |
Andhra |
Bank of |
Bank of |
||||||||
Bank |
Bank |
Baroda |
India |
||||||||
Ratios |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
|||
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
||||
1. |
Cash-deposit ratio |
6.85 |
5.95 |
8.91 |
7.53 |
4.19 |
3.33 |
5.96 |
4.95 |
||
2. |
Credit-deposit ratio |
48.74 |
51.89 |
56.17 |
63.58 |
48.79 |
53.36 |
64.58 |
71.06 |
||
3. |
Investment-deposit ratio |
49.42 |
46.58 |
44.97 |
38.64 |
52.10 |
45.58 |
38.26 |
35.78 |
||
4. |
(Credit + investment)-deposit ratio |
98.16 |
98.47 |
101.14 |
102.22 |
100.89 |
98.94 |
102.84 |
106.84 |
||
5. |
Ratio of deposits to total liabilities |
90.70 |
90.29 |
84.94 |
84.18 |
85.73 |
85.92 |
83.67 |
82.99 |
||
6. |
Ratio of term deposits to total deposits |
58.10 |
61.31 |
62.66 |
63.85 |
63.61 |
63.55 |
66.34 |
65.45 |
||
7. |
Ratio of priority sector advances to total advances |
41.93 |
43.40 |
37.19 |
39.44 |
27.88 |
28.26 |
28.26 |
28.34 |
||
8. |
Ratio of term-loans to total advances |
54.54 |
54.93 |
41.54 |
41.98 |
41.32 |
40.55 |
39.00 |
37.65 |
||
9. |
Ratio of secured advances to total advances |
86.03 |
87.59 |
91.19 |
88.03 |
87.93 |
84.81 |
81.93 |
80.30 |
||
10. |
Ratio of investments in non-approved securities to total investments |
20.96 |
14.99 |
12.55 |
16.12 |
24.33 |
20.82 |
32.07 |
29.16 |
||
11. |
Ratio of Interest income to total assets |
8.51 |
7.98 |
8.62 |
7.61 |
7.61 |
7.16 |
7.18 |
6.71 |
||
12. |
Ratio of net interest margin to total assets |
3.46 |
3.42 |
3.52 |
3.58 |
3.18 |
3.31 |
2.73 |
2.49 |
||
13. |
Ratio of non-interest income to total assets |
2.39 |
1.60 |
2.62 |
2.52 |
2.13 |
1.45 |
2.22 |
1.29 |
||
14. |
Ratio of intermediation cost to total assets |
3.06 |
2.33 |
2.55 |
2.78 |
2.24 |
2.21 |
2.17 |
2.15 |
||
15. |
Ratio of wage bills to intermediation cost |
58.28 |
58.17 |
62.18 |
65.05 |
69.38 |
69.67 |
66.94 |
65.37 |
||
16. |
Ratio of wage bills to total expenses |
21.99 |
19.68 |
20.73 |
26.53 |
23.28 |
25.41 |
21.93 |
22.06 |
||
17. |
Ratio of wage bills to total income |
16.35 |
14.16 |
14.09 |
17.82 |
15.92 |
17.85 |
15.45 |
17.58 |
||
18. |
Ratio of burden to total assets |
0.67 |
0.73 |
-0.08 |
0.25 |
0.11 |
0.75 |
-0.05 |
0.86 |
||
19. |
Ratio of burden to interest income |
7.85 |
9.15 |
-0.88 |
3.35 |
1.40 |
10.53 |
-0.70 |
12.87 |
||
20. |
Ratio of operating profits to total assets |
2.79 |
2.69 |
3.60 |
3.32 |
3.08 |
2.56 |
2.78 |
1.62 |
||
21. |
Return on assets |
1.34 |
1.20 |
1.72 |
1.59 |
1.20 |
0.75 |
1.25 |
0.38 |
||
22. |
Return on equity |
34.04 |
27.93 |
36.10 |
31.62 |
20.32 |
12.58 |
26.71 |
8.03 |
||
23. |
Cost of deposits |
5.41 |
4.89 |
5.63 |
4.47 |
4.83 |
4.21 |
4.56 |
4.19 |
||
24. |
Cost of borrowings |
1.60 |
2.46 |
3.46 |
2.80 |
6.49 |
2.42 |
7.39 |
5.79 |
||
25. |
Cost of funds |
5.40 |
4.88 |
5.54 |
4.42 |
4.85 |
4.18 |
4.73 |
4.29 |
||
26. |
Return on advances |
9.49 |
9.22 |
10.09 |
8.94 |
7.90 |
7.35 |
7.48 |
7.10 |
||
27. |
Return on investments |
9.33 |
8.47 |
9.13 |
7.85 |
8.60 |
7.96 |
8.03 |
7.68 |
||
28. |
Return on advances adjusted to cost of funds |
4.09 |
4.34 |
4.55 |
4.52 |
3.05 |
3.17 |
2.75 |
2.81 |
||
29. |
Return on investments adjusted to cost of funds |
3.93 |
3.58 |
3.59 |
3.44 |
3.75 |
3.78 |
3.30 |
3.39 |
||
30. |
Business per employee (in Rs. lakh) |
215.00 |
282.00 |
277.35 |
346.25 |
252.51 |
310.37 |
266.72 |
320.00 |
||
31. |
Profit per employee (in Rs. lakh) |
2.46 |
2.86 |
3.54 |
3.97 |
2.43 |
1.71 |
2.35 |
0.80 |
||
32. |
Capital adequacy ratio |
12.52 |
12.53 |
13.71 |
12.11 |
13.91 |
12.61 |
13.01 |
11.52 |
||
33. |
Capital adequacy ratio - Tier I |
6.26 |
6.46 |
8.17 |
8.03 |
8.47 |
8.21 |
7.47 |
7.05 |
||
34. |
Capital adequacy ratio - Tier II |
6.26 |
6.07 |
5.54 |
4.08 |
5.44 |
4.40 |
5.54 |
4.47 |
||
35. |
Ratio of net NPA to net advances |
2.37 |
1.28 |
0.93 |
0.28 |
2.99 |
1.45 |
4.50 |
2.77 |
||
Source : Compiled from annual accounts of banks of respective years. |
(in per cent) |
||||||||||
As on March 31 |
||||||||||
Bank of |
Canara |
Central Bank of |
Corporation |
|||||||
Maharashtra |
Bank |
India |
Bank |
|||||||
Ratios |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
||
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
|||
1. |
Cash-deposit ratio |
17.16 |
7.38 |
7.98 |
5.14 |
6.13 |
9.17 |
7.31 |
7.05 |
|
2. |
Credit-deposit ratio |
44.36 |
45.28 |
55.17 |
62.35 |
40.79 |
44.90 |
59.89 |
68.10 |
|
3. |
Investment-deposit ratio |
52.72 |
50.20 |
41.45 |
39.27 |
56.17 |
50.76 |
46.07 |
37.68 |
|
4. |
(Credit + investment)-deposit ratio |
97.08 |
95.48 |
96.63 |
101.62 |
96.96 |
95.66 |
105.97 |
105.78 |
|
5. |
Ratio of deposits to total liabilities |
82.10 |
87.71 |
86.74 |
87.85 |
88.26 |
88.56 |
79.55 |
80.28 |
|
6. |
Ratio of term deposits to total deposits |
68.21 |
66.95 |
66.22 |
66.13 |
56.73 |
56.44 |
66.01 |
65.41 |
|
7. |
Ratio of priority sector advances to total advances |
35.29 |
41.18 |
33.90 |
33.74 |
43.52 |
44.78 |
35.85 |
34.75 |
|
8. |
Ratio of term-loans to total advances |
53.72 |
61.80 |
40.39 |
46.29 |
47.60 |
51.51 |
48.70 |
55.11 |
|
9. |
Ratio of secured advances to total advances |
65.97 |
75.07 |
86.11 |
81.25 |
96.26 |
87.36 |
86.96 |
82.91 |
|
10. |
Ratio of investments in non-approved securities to total investments |
11.43 |
10.54 |
18.95 |
21.75 |
18.89 |
18.09 |
17.16 |
17.50 |
|
11. |
Ratio of Interest income to total assets |
7.71 |
7.27 |
7.72 |
7.22 |
8.41 |
7.89 |
7.94 |
7.13 |
|
12. |
Ratio of net interest margin to total assets |
2.70 |
2.71 |
2.95 |
3.00 |
3.52 |
3.60 |
3.48 |
3.58 |
|
13. |
Ratio of non-interest income to total assets |
1.63 |
1.18 |
2.28 |
1.47 |
1.60 |
1.39 |
1.86 |
1.79 |
|
14. |
Ratio of intermediation cost to total assets |
1.96 |
2.21 |
2.09 |
2.01 |
2.59 |
2.56 |
2.07 |
2.02 |
|
15. |
Ratio of wage bills to intermediation cost |
66.24 |
71.29 |
67.13 |
65.44 |
75.98 |
75.78 |
49.58 |
44.42 |
|
16. |
Ratio of wage bills to total expenses |
18.64 |
23.28 |
20.47 |
21.13 |
26.30 |
28.29 |
15.71 |
16.10 |
|
17. |
Ratio of wage bills to total income |
13.91 |
18.66 |
14.02 |
15.14 |
19.63 |
20.86 |
10.46 |
10.05 |
|
18. |
Ratio of burden to total assets |
0.33 |
1.03 |
-0.19 |
0.54 |
0.99 |
1.16 |
0.21 |
0.23 |
|
19. |
Ratio of burden to interest income |
4.32 |
14.16 |
-2.52 |
7.46 |
11.72 |
14.71 |
2.58 |
3.22 |
|
20. |
Ratio of operating profits to total assets |
2.37 |
1.68 |
3.15 |
2.46 |
2.54 |
2.44 |
3.27 |
3.35 |
|
21. |
Return on assets |
0.95 |
0.54 |
1.34 |
1.01 |
0.98 |
0.53 |
1.96 |
1.40 |
|
22. |
Return on equity |
25.21 |
11.90 |
28.47 |
19.53 |
22.90 |
11.46 |
19.62 |
13.81 |
|
23. |
Cost of deposits |
5.58 |
5.05 |
5.20 |
4.60 |
5.20 |
4.63 |
5.30 |
4.27 |
|
24. |
Cost of borrowings |
0.72 |
1.91 |
3.16 |
4.20 |
3.81 |
2.19 |
2.11 |
2.74 |
|
25. |
Cost of funds |
5.50 |
4.98 |
5.19 |
4.60 |
5.20 |
4.63 |
5.18 |
4.20 |
|
26. |
Return on advances |
8.06 |
7.85 |
8.67 |
7.91 |
9.52 |
8.95 |
7.64 |
7.75 |
|
27. |
Return on investments |
9.83 |
8.94 |
9.04 |
8.28 |
9.25 |
8.59 |
10.24 |
8.40 |
|
28. |
Return on advances adjusted to cost of funds |
2.56 |
2.86 |
3.47 |
3.31 |
4.32 |
4.32 |
2.46 |
3.54 |
|
29. |
Return on investments adjusted to cost of funds |
4.33 |
3.95 |
3.85 |
3.68 |
4.06 |
3.96 |
5.06 |
4.20 |
|
30. |
Business per employee (in Rs. lakh) |
268.65 |
294.65 |
297.58 |
351.12 |
181.51 |
206.89 |
365.56 |
438.00 |
|
31. |
Profit per employee (in Rs. lakh) |
2.16 |
1.25 |
2.97 |
2.48 |
1.58 |
0.93 |
4.98 |
3.95 |
|
32. |
Capital adequacy ratio |
11.88 |
12.68 |
12.66 |
12.78 |
12.43 |
12.15 |
20.12 |
16.23 |
|
33. |
Capital adequacy ratio - Tier I |
7.03 |
7.10 |
7.81 |
7.29 |
6.23 |
6.08 |
16.52 |
13.55 |
|
34. |
Capital adequacy ratio - Tier II |
4.85 |
5.58 |
4.85 |
5.49 |
6.20 |
6.07 |
3.60 |
2.68 |
|
35. |
Ratio of net NPA to net advances |
2.46 |
2.15 |
2.89 |
1.88 |
5.57 |
2.98 |
1.80 |
1.12 |
|
Source : Compiled from annual accounts of banks of respective years. |
(in per cent) |
||||||||||||
As on March 31 |
||||||||||||
Dena |
IDBI |
Indian |
Indian Overseas |
|||||||||
Bank |
Ltd. # |
Bank |
Bank |
|||||||||
Ratios |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
||||
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
|||||
1. |
Cash-deposit ratio |
6.72 |
7.41 |
15.73 |
9.34 |
5.64 |
10.44 |
9.44 |
||||
2. |
Credit-deposit ratio |
51.29 |
56.27 |
300.70 |
46.40 |
52.80 |
48.92 |
56.97 |
||||
3. |
Investment-deposit ratio |
53.06 |
48.25 |
165.90 |
54.84 |
51.48 |
48.63 |
42.98 |
||||
4. |
(Credit + investment)-deposit ratio |
104.35 |
104.53 |
466.60 |
101.24 |
104.29 |
97.55 |
99.95 |
||||
5. |
Ratio of deposits to total liabilities |
82.80 |
83.63 |
18.56 |
77.76 |
79.36 |
87.66 |
87.06 |
||||
6. |
Ratio of term deposits to total deposits |
58.46 |
56.29 |
61.74 |
66.47 |
65.14 |
65.63 |
61.12 |
||||
7. |
Ratio of priority sector advances to total advances |
40.54 |
38.97 |
9.51 |
38.20 |
42.93 |
39.13 |
39.16 |
||||
8. |
Ratio of term-loans to total advances |
53.40 |
52.41 |
91.98 |
41.98 |
50.34 |
43.21 |
45.99 |
||||
9. |
Ratio of secured advances to total advances |
92.59 |
87.21 |
91.83 |
87.26 |
87.60 |
91.70 |
94.38 |
||||
10. |
Ratio of investments in non-approved securities to total investments |
18.87 |
15.45 |
40.54 |
13.69 |
12.09 |
14.56 |
15.66 |
||||
11. |
Ratio of Interest income to total assets |
8.20 |
7.47 |
3.26 |
7.16 |
6.92 |
8.49 |
8.05 |
||||
12. |
Ratio of net interest margin to total assets |
2.80 |
2.97 |
0.23 |
3.00 |
3.14 |
3.62 |
3.78 |
||||
13. |
Ratio of non-interest income to total assets |
2.92 |
1.35 |
0.77 |
2.01 |
1.37 |
1.67 |
1.30 |
||||
14. |
Ratio of intermediation cost to total assets |
2.36 |
2.38 |
0.56 |
2.85 |
2.20 |
2.29 |
2.36 |
||||
15. |
Ratio of wage bills to intermediation cost |
67.88 |
64.53 |
34.70 |
81.24 |
69.72 |
74.23 |
72.80 |
||||
16. |
Ratio of wage bills to total expenses |
20.63 |
22.35 |
5.39 |
33.03 |
25.69 |
23.77 |
25.92 |
||||
17. |
Ratio of wage bills to total income |
14.40 |
17.44 |
4.80 |
25.27 |
18.54 |
16.76 |
18.37 |
||||
18. |
Ratio of burden to total assets |
-0.56 |
1.04 |
-0.21 |
0.84 |
0.83 |
0.62 |
1.06 |
||||
19. |
Ratio of burden to interest income |
-6.82 |
13.86 |
-6.52 |
11.80 |
12.04 |
7.30 |
13.13 |
||||
20. |
Ratio of operating profits to total assets |
3.23 |
1.94 |
0.44 |
2.15 |
2.31 |
3.00 |
2.72 |
||||
21. |
Return on assets |
1.11 |
0.26 |
0.78 |
1.21 |
1.08 |
1.08 |
1.28 |
||||
22. |
Return on equity |
19.89 |
5.65 |
5.18 |
7.61 |
7.12 |
28.96 |
27.98 |
||||
23. |
Cost of deposits |
6.15 |
5.10 |
2.35 |
5.24 |
4.62 |
5.26 |
4.65 |
||||
24. |
Cost of borrowings |
1.25 |
2.77 |
0.10 |
7.57 |
6.63 |
5.40 |
4.42 |
||||
25. |
Cost of funds |
6.07 |
5.06 |
0.62 |
5.27 |
4.65 |
5.26 |
4.64 |
||||
26. |
Return on advances |
9.16 |
8.27 |
4.81 |
8.88 |
8.50 |
9.80 |
9.20 |
||||
27. |
Return on investments |
9.52 |
8.35 |
1.58 |
9.23 |
8.33 |
9.38 |
9.04 |
||||
28. |
Return on advances adjusted to cost of funds |
3.08 |
3.21 |
4.19 |
3.60 |
3.85 |
4.54 |
4.56 |
||||
29. |
Return on investments adjusted to cost of funds |
3.44 |
3.29 |
0.96 |
3.95 |
3.68 |
4.12 |
4.40 |
||||
30. |
Business per employee (in Rs. lakh) |
274.00 |
313.00 |
1,349.60 |
189.00 |
246.00 |
232.51 |
269.48 |
||||
31. |
Profit per employee (in Rs. lakh) |
2.23 |
0.60 |
6.85 |
1.85 |
1.87 |
2.10 |
2.66 |
||||
32. |
Capital adequacy ratio |
9.48 |
11.91 |
15.51 |
12.82 |
14.14 |
12.49 |
14.20 |
||||
33. |
Capital adequacy ratio - Tier I |
5.19 |
6.63 |
11.93 |
7.66 |
7.60 |
6.74 |
7.10 |
||||
34. |
Capital adequacy ratio - Tier II |
4.29 |
5.28 |
3.58 |
5.16 |
6.54 |
5.75 |
7.10 |
||||
35. |
Ratio of net NPA to net advances |
9.40 |
5.23 |
1.74 |
2.71 |
1.35 |
2.85 |
1.27 |
||||
Note : # : See ‘Explanatory Notes’. Source : Compiled from annual accounts of banks of respective years. |
(in per cent) |
|||||||||
As on March 31 |
|||||||||
Oriental Bank of |
Punjab & Sind |
Punjab National |
Syndicate |
||||||
Commerce |
Bank |
Bank |
Bank |
||||||
Ratios |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
||
1. |
Cash-deposit ratio |
7.38 |
13.48 |
7.82 |
6.68 |
7.67 |
9.17 |
10.58 |
5.81 |
2. |
Credit-deposit ratio |
55.17 |
52.87 |
44.20 |
44.61 |
53.72 |
58.56 |
48.48 |
57.74 |
3. |
Investment-deposit ratio |
47.08 |
38.33 |
49.67 |
49.97 |
47.92 |
49.12 |
42.07 |
44.00 |
4. |
(Credit + investment)-deposit ratio |
102.25 |
91.20 |
93.88 |
94.59 |
101.63 |
107.68 |
90.56 |
101.74 |
5. |
Ratio of deposits to total liabilities |
86.99 |
88.50 |
90.88 |
90.16 |
85.91 |
81.72 |
90.18 |
88.84 |
6. |
Ratio of term deposits to total deposits |
71.44 |
71.75 |
58.49 |
53.17 |
54.13 |
53.66 |
66.10 |
62.95 |
7. |
Ratio of priority sector advances to total advances |
38.05 |
37.42 |
47.18 |
46.56 |
43.91 |
46.79 |
32.57 |
36.27 |
8. |
Ratio of term-loans to total advances |
54.25 |
59.90 |
41.39 |
40.87 |
47.88 |
47.61 |
42.16 |
49.63 |
9. |
Ratio of secured advances to total advances |
83.87 |
88.63 |
96.84 |
95.14 |
89.97 |
84.92 |
73.98 |
74.61 |
10. |
Ratio of investments in non-approved securities to total investments |
23.13 |
18.29 |
18.32 |
11.71 |
15.94 |
14.34 |
9.23 |
7.56 |
11. |
Ratio of Interest income to total assets |
8.80 |
7.51 |
8.67 |
8.13 |
8.25 |
7.40 |
7.56 |
7.57 |
12. |
Ratio of net interest margin to total assets |
3.88 |
3.21 |
3.34 |
3.73 |
3.84 |
3.51 |
3.50 |
3.41 |
13. |
Ratio of non-interest income to total assets |
1.92 |
1.06 |
1.73 |
1.67 |
1.98 |
1.47 |
1.90 |
1.14 |
14. |
Ratio of intermediation cost to total assets |
1.72 |
1.67 |
4.06 |
3.72 |
2.51 |
2.60 |
2.82 |
2.55 |
15. |
Ratio of wage bills to intermediation cost |
56.85 |
49.88 |
80.11 |
80.05 |
69.77 |
71.30 |
75.70 |
76.04 |
16. |
Ratio of wage bills to total expenses |
14.72 |
13.96 |
34.68 |
36.66 |
25.35 |
28.56 |
31.05 |
28.89 |
17. |
Ratio of wage bills to total income |
9.11 |
9.73 |
31.30 |
30.38 |
17.15 |
20.93 |
22.57 |
22.24 |
18. |
Ratio of burden to total assets |
-0.21 |
0.61 |
2.33 |
2.05 |
0.53 |
1.14 |
0.92 |
1.41 |
19. |
Ratio of burden to interest income |
-2.34 |
8.13 |
26.88 |
25.21 |
6.48 |
15.36 |
12.16 |
18.62 |
20. |
Ratio of operating profits to total assets |
4.09 |
2.59 |
1.01 |
1.68 |
3.31 |
2.37 |
2.58 |
2.00 |
21. |
Return on assets |
1.70 |
1.40 |
0.06 |
-0.45 |
1.08 |
1.12 |
1.67 |
0.82 |
22. |
Return on equity |
28.67 |
25.34 |
1.92 |
-15.67 |
24.52 |
21.41 |
24.92 |
19.64 |
23. |
Cost of deposits |
5.46 |
4.71 |
5.63 |
4.65 |
4.80 |
4.36 |
4.42 |
4.50 |
24. |
Cost of borrowings |
0.81 |
2.65 |
5.80 |
24.46 |
1.37 |
2.08 |
2.47 |
2.40 |
25. |
Cost of funds |
5.35 |
4.67 |
5.63 |
4.66 |
4.76 |
4.31 |
4.41 |
4.49 |
26. |
Return on advances |
9.00 |
8.06 |
10.01 |
9.81 |
8.86 |
7.89 |
8.61 |
8.62 |
27. |
Return on investments |
10.35 |
9.52 |
9.75 |
8.82 |
9.67 |
8.56 |
8.63 |
8.20 |
28. |
Return on advances adjusted to cost of funds |
3.65 |
3.39 |
4.38 |
5.16 |
4.11 |
3.58 |
4.20 |
4.13 |
29. |
Return on investments adjusted to cost of funds |
4.99 |
4.85 |
4.12 |
4.16 |
4.91 |
4.25 |
4.21 |
3.70 |
30. |
Business per employee (in Rs. lakh) |
416.00 |
515.00 |
205.08 |
217.57 |
228.22 |
276.87 |
240.31 |
280.22 |
31. |
Profit per employee (in Rs. lakh) |
5.10 |
5.20 |
0.09 |
-0.74 |
1.88 |
2.42 |
1.62 |
1.53 |
32. |
Capital adequacy ratio |
14.47 |
9.21 |
11.06 |
9.46 |
13.10 |
14.78 |
11.49 |
10.70 |
33. |
Capital adequacy ratio - Tier I |
9.87 |
5.42 |
6.38 |
5.26 |
7.01 |
8.87 |
6.75 |
6.10 |
34. |
Capital adequacy ratio - Tier II |
4.60 |
3.79 |
4.68 |
4.20 |
6.09 |
5.91 |
4.74 |
4.60 |
35. |
Ratio of net NPA to net advances |
0.00 |
1.29 |
9.62 |
8.11 |
0.98 |
0.20 |
2.58 |
1.59 |
Source : Compiled from annual accounts of banks of respective years. |
(in per cent) |
|||||||||
As on March 31 |
|||||||||
UCO |
Union Bank of |
United Bank of |
Vijaya |
||||||
Bank |
India |
India |
Bank |
||||||
Ratios |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
||
1. |
Cash-deposit ratio |
5.97 |
6.02 |
4.75 |
5.90 |
4.67 |
6.27 |
4.17 |
5.00 |
2. |
Credit-deposit ratio |
52.56 |
55.90 |
58.20 |
64.86 |
34.99 |
44.93 |
52.56 |
55.96 |
3. |
Investment-deposit ratio |
44.88 |
38.54 |
44.39 |
36.86 |
61.15 |
56.82 |
51.57 |
47.11 |
4. |
(Credit + investment)-deposit ratio |
97.44 |
94.44 |
102.59 |
101.73 |
96.14 |
101.75 |
104.13 |
103.07 |
5. |
Ratio of deposits to total liabilities |
89.60 |
90.62 |
86.70 |
85.39 |
88.06 |
87.11 |
87.30 |
87.33 |
6. |
Ratio of term deposits to total deposits |
67.60 |
70.77 |
64.22 |
67.32 |
55.17 |
53.42 |
69.18 |
67.44 |
7. |
Ratio of priority sector advances to total advances |
31.75 |
36.21 |
39.37 |
42.50 |
33.91 |
33.97 |
40.28 |
39.92 |
8. |
Ratio of term-loans to total advances |
49.26 |
51.66 |
38.91 |
41.07 |
57.38 |
57.34 |
51.54 |
56.61 |
9. |
Ratio of secured advances to total advances |
91.33 |
89.07 |
87.89 |
81.26 |
88.13 |
92.87 |
82.92 |
76.58 |
10. |
Ratio of investments in non-approved securities to total investments |
22.19 |
17.06 |
25.94 |
28.00 |
14.24 |
13.29 |
16.14 |
12.51 |
11. |
Ratio of Interest income to total assets |
7.87 |
7.21 |
8.26 |
7.60 |
8.27 |
7.77 |
8.99 |
7.84 |
12. |
Ratio of net interest margin to total assets |
3.04 |
2.86 |
3.17 |
3.16 |
3.12 |
3.33 |
3.88 |
3.69 |
13. |
Ratio of non-interest income to total assets |
1.59 |
1.05 |
1.52 |
1.17 |
2.02 |
1.74 |
2.44 |
1.32 |
14. |
Ratio of intermediation cost to total assets |
2.21 |
2.24 |
1.98 |
1.92 |
2.68 |
2.56 |
2.31 |
2.06 |
15. |
Ratio of wage bills to intermediation cost |
76.59 |
77.90 |
66.49 |
64.13 |
76.57 |
70.68 |
66.61 |
58.05 |
16. |
Ratio of wage bills to total expenses |
24.07 |
26.49 |
18.66 |
19.37 |
26.21 |
25.90 |
20.72 |
19.22 |
17. |
Ratio of wage bills to total income |
17.94 |
21.16 |
13.49 |
14.06 |
19.98 |
19.06 |
13.45 |
13.02 |
18. |
Ratio of burden to total assets |
0.63 |
1.19 |
0.46 |
0.75 |
0.67 |
0.82 |
-0.13 |
0.73 |
19. |
Ratio of burden to interest income |
7.95 |
16.57 |
5.61 |
9.89 |
8.07 |
10.58 |
-1.44 |
9.34 |
20. |
Ratio of operating profits to total assets |
2.41 |
1.66 |
2.71 |
2.41 |
2.45 |
2.51 |
4.01 |
2.95 |
21. |
Return on assets |
1.13 |
0.73 |
1.22 |
1.10 |
1.25 |
1.04 |
1.91 |
1.43 |
22. |
Return on equity |
29.14 |
18.04 |
25.19 |
21.46 |
16.07 |
15.33 |
38.32 |
26.02 |
23. |
Cost of deposits |
5.18 |
4.62 |
5.52 |
4.82 |
5.82 |
4.98 |
5.53 |
4.60 |
24. |
Cost of borrowings |
4.53 |
4.17 |
0.45 |
1.41 |
0.72 |
0.36 |
0.30 |
0.16 |
25. |
Cost of funds |
5.17 |
4.61 |
5.45 |
4.74 |
5.81 |
4.97 |
5.45 |
4.51 |
26. |
Return on advances |
8.84 |
7.96 |
8.79 |
8.25 |
8.75 |
8.67 |
10.28 |
9.04 |
27. |
Return on investments |
8.52 |
8.08 |
9.27 |
8.42 |
9.95 |
8.80 |
9.44 |
7.82 |
28. |
Return on advances adjusted to cost of funds |
3.68 |
3.35 |
3.34 |
3.52 |
2.95 |
3.70 |
4.83 |
4.53 |
29. |
Return on investments adjusted to cost of funds |
3.36 |
3.47 |
3.82 |
3.69 |
4.14 |
3.83 |
4.00 |
3.32 |
30. |
Business per employee (in Rs. lakh) |
249.00 |
321.00 |
286.48 |
346.72 |
169.00 |
208.00 |
249.39 |
312.89 |
31. |
Profit per employee (in Rs. lakh) |
1.79 |
1.43 |
2.78 |
2.81 |
1.76 |
1.72 |
3.73 |
3.48 |
32. |
Capital adequacy ratio |
11.88 |
11.26 |
12.32 |
12.09 |
17.04 |
18.16 |
14.11 |
12.92 |
33. |
Capital adequacy ratio - Tier I |
6.08 |
5.75 |
6.47 |
6.07 |
15.04 |
14.15 |
8.37 |
7.59 |
34. |
Capital adequacy ratio - Tier II |
5.80 |
5.51 |
5.85 |
6.02 |
2.00 |
4.01 |
5.74 |
5.33 |
35. |
Ratio of net NPA to net advances |
3.65 |
76.00 |
2.87 |
2.64 |
3.75 |
2.43 |
0.91 |
0.59 |
Source : Compiled from annual accounts of banks of respective years. |
(in per cent) |
|||||||||
As on March 31 |
|||||||||
ABN Amro |
Abu-Dhabi Commercial |
American Express |
Antwerp Diamond |
||||||
Bank |
Bank |
Bank |
Bank |
||||||
Ratios |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
2004 |
2005 |
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
||
1. |
Cash-deposit ratio |
8.69 |
6.92 |
4.53 |
2.75 |
4.90 |
3.32 |
29.61 |
41.11 |
2. |
Credit-deposit ratio |
114.35 |
139.00 |
9.23 |
5.40 |
45.28 |
65.48 |
669.97 |
861.14 |
3. |
Investment-deposit ratio |
49.82 |
47.06 |
74.55 |
75.63 |
29.13 |
33.07 |
215.63 |
326.13 |
4. |
(Credit + investment)-deposit ratio |
164.16 |
186.06 |
83.78 |
81.03 |
74.40 |
98.56 |
885.60 |
1,187.27 |
5. |
Ratio of deposits to total liabilities |
55.20 |
45.97 |
92.82 |
85.22 |
81.93 |
74.96 |
8.85 |
7.56 |
6. |
Ratio of term deposits to total deposits |
43.75 |
42.46 |
93.06 |
91.61 |
75.30 |
64.72 |
15.55 |
17.10 |
7. |
Ratio of priority sector advances to total advances |
28.25 |
32.25 |
15.26 |
30.56 |
11.97 |
24.46 |
99.64 |
99.73 |
8. |
Ratio of term-loans to total advances |
31.16 |
37.88 |
17.64 |
28.39 |
34.42 |
47.88 |
0.36 |
0.27 |
9. |
Ratio of secured advances to total advances |
83.44 |
71.86 |
85.69 |
98.91 |
40.45 |
40.48 |
99.94 |
99.96 |
10. |
Ratio of investments in non-approved securities to total investments |
23.48 |
5.06 |
54.34 |
56.66 |
29.06 |
14.28 |
0.00 |
0.00 |
11. |
Ratio of Interest income to total assets |
7.62 |
6.98 |
8.45 |
7.67 |
9.31 |
8.40 |
5.43 |
4.51 |
12. |
Ratio of net interest margin to total assets |
4.49 |
4.41 |
0.84 |
0.61 |
3.87 |
3.69 |
4.01 |
2.82 |
13. |
Ratio of non-interest income to total assets |
3.80 |
3.35 |
0.43 |
2.07 |
6.70 |
7.81 |
0.92 |
0.75 |
14. |
Ratio of intermediation cost to total assets |
4.70 |
4.36 |
0.57 |
2.42 |
7.52 |
9.09 |
1.86 |
1.30 |
15. |
Ratio of wage bills to intermediation cost |
27.61 |
31.25 |
38.48 |
17.46 |
37.83 |
36.66 |
37.62 |
37.29 |
16. |
Ratio of wage bills to total expenses |
16.59 |
19.67 |
2.67 |
4.46 |
21.97 |
24.15 |
21.27 |
16.22 |
17. |
Ratio of wage bills to total income |
11.38 |
13.19 |
2.46 |
4.35 |
17.78 |
20.57 |
11.00 |
9.24 |
18. |
Ratio of burden to total assets |
0.91 |
1.01 |
0.13 |
0.35 |
0.82 |
1.28 |
0.94 |
0.56 |
19. |
Ratio of burden to interest income |
11.93 |
14.49 |
1.59 |
4.60 |
8.84 |
15.29 |
17.30 |
12.34 |
20. |
Ratio of operating profits to total assets |
3.58 |
3.40 |
0.71 |
0.26 |
3.05 |
2.41 |
3.07 |
2.26 |
21. |
Return on assets |
1.84 |
1.27 |
0.50 |
-2.57 |
-0.69 |
0.55 |
1.18 |
1.00 |
22. |
Return on equity |
18.66 |
15.63 |
14.33 |
-70.06 |
-9.49 |
6.10 |
4.99 |
5.35 |
23. |
Cost of deposits |
1.61 |
1.69 |
8.06 |
7.90 |
6.41 |
5.79 |
0.71 |
0.64 |
24. |
Cost of borrowings |
6.40 |
5.00 |
13.93 |
0.81 |
4.51 |
1.75 |
1.26 |
1.85 |
25. |
Cost of funds |
3.28 |
2.94 |
8.08 |
7.67 |
6.26 |
5.57 |
1.14 |
1.70 |
26. |
Return on advances |
7.95 |
7.51 |
10.50 |
7.39 |
15.88 |
14.06 |
5.82 |
4.22 |
27. |
Return on investments |
8.32 |
7.91 |
9.75 |
9.37 |
8.22 |
5.56 |
7.51 |
7.91 |
28. |
Return on advances adjusted to cost of funds |
4.67 |
4.57 |
2.43 |
-0.28 |
9.62 |
8.49 |
4.68 |
2.52 |
29. |
Return on investments adjusted to cost of funds |
5.04 |
4.97 |
1.67 |
1.71 |
1.96 |
-0.01 |
6.36 |
6.21 |
30. |
Business per employee (in Rs. lakh) |
891.45 |
823.70 |
1,161.64 |
1,061.10 |
285.00 |
237.53 |
1,723.61 |
2,267.01 |
31. |
Profit per employee (in Rs. lakh) |
15.22 |
10.24 |
12.20 |
-77.24 |
-1.67 |
1.05 |
32.85 |
33.40 |
32. |
Capital adequacy ratio |
13.48 |
10.55 |
14.22 |
14.38 |
10.74 |
10.87 |
53.22 |
39.99 |
33. |
Capital adequacy ratio - Tier I |
11.49 |
7.89 |
12.07 |
12.03 |
10.34 |
10.23 |
36.28 |
26.81 |
34. |
Capital adequacy ratio - Tier II |
1.99 |
2.66 |
2.15 |
2.35 |
0.40 |
0.64 |
16.94 |
13.18 |
35. |
Ratio of net NPA to net advances |
0.88 |
0.35 |
27.39 |
12.73 |
5.68 |
0.99 |
0.00 |
0.00 |
Source : Compiled from annual accounts of banks of respective years. |