Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 3 of 4)

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പ്രസിദ്ധീകരിച്ചത് ഡിസംബർ 31, 2001

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Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 3 of 4)

FOREIGN BANKS

(per cent)

		As on March 31

	Ratios	ING Bank		KBC Bank		Krung Thai Bank		Mashreq Bank

		2000	2001	2000	2001	2000	2001	2000	2001

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

1.	Cash-deposit ratio	12.62	3.83	3.11	4.70	2.72	5.69	4.73	3.89
2.	Credit-deposit ratio	185.90	26.69	35.61	28.04	76.97	196.65	47.95	26.48
3.	Investment-deposit ratio	165.20	94.93	105.50	61.76	40.91	60.35	66.52	80.20
4.	(Credit + investment)-deposit ratio	351.10	121.62	141.11	89.80	117.88	257.01	114.47	106.68
5.	Ratio of deposits to total liabilities	18.32	54.41	65.80	59.64	17.11	15.93	71.27	82.29
6.	Ratio of term deposits to total deposits	63.24	87.14	99.20	99.18	96.91	99.26	80.60	89.80
7.	Ratio of priority sector advances to total advances	22.91	14.43	34.64	26.25	33.79	0.00	39.64	25.32
8.	Ratio of term-loans to total advances	77.54	72.25	49.82	80.81	0.00	0.00	24.41	9.26
9.	Ratio of secured advances to total advances	45.42	95.78	20.29	14.28	70.59	23.68	82.34	88.84
10.	Ratio of investments in non-approved securities to total investments	36.84	80.33	74.44	36.93	43.28	71.93	54.51	58.70
11.	Ratio of Interest income to total assets	11.38	4.96	12.71	15.25	9.75	9.75	9.89	10.00
12.	Ratio of net interest margin to total assets	4.19	1.54	5.03	3.66	8.26	8.54	2.23	1.32
13.	Ratio of non-interest income to total assets	4.75	2.65	1.52	-0.12	0.47	1.10	1.57	1.63
14.	Ratio of intermediation cost to total assets	4.60	6.67	4.38	2.64	4.93	4.55	3.39	2.45
15.	Ratio of wage bills to intermediation cost	38.02	39.19	53.82	58.27	19.42	19.09	32.16	36.97
16.	Ratio of wage bills to total expenses	14.84	25.90	19.56	10.82	14.92	15.08	9.86	8.16
17.	Ratio of wage bills to total income	10.84	34.40	16.58	10.18	9.38	8.01	9.50	7.81
18.	Ratio of burden to total assets	-0.15	4.03	2.86	2.76	4.46	3.45	1.81	0.83
19.	Ratio of burden to interest income	-1.32	81.26	22.51	18.10	45.79	35.39	18.34	8.30
20.	Ratio of operating profits to total assets	4.34	-2.49	2.17	0.90	3.80	5.09	0.42	0.49
21.	Return on assets	-2.72	-3.96	0.82	0.30	1.69	2.21	-3.60	-3.10
22.	Return on equity	-16.55	-18.54	3.21	2.12	0.33	2.86	-36.41	-56.79
23.	Cost of deposits	9.74	6.05	3.90	12.94	12.20	6.57	9.01	8.18
24.	Cost of borrowings	9.05	3.82	40.75	7.83	..	5.99	8.25	11.09
25.	Cost of funds	9.28	5.02	10.70	11.72	12.26	6.51	8.85	8.56
26.	Return on advances	14.37	13.08	21.14	18.89	12.67	11.85	12.36	14.46
27.	Return on investments	13.96	2.58	11.75	21.30	7.79	7.88	11.34	9.77
28.	Return on advances adjusted to cost of funds	5.09	8.06	10.43	7.17	0.41	5.35	3.51	5.90
29.	Return on investments adjusted to cost of funds	4.68	-2.44	1.04	9.58	-4.47	1.37	2.49	1.21
30.	Business per employee (in Rs. lakh)	252.43	409.54	443.56	910.59	119.92	174.86	591.24	574.51
31.	Profit per employee (in Rs. lakh)	-19.33	-23.56	5.61	4.29	7.82	9.88	24.73	-38.24
32.	Capital adequacy ratio	21.15	15.00	18.51	23.01	197.42	148.99	9.04	10.54
33.	Capital adequacy ratio - Tier I	21.15	15.00	18.51	22.86	197.42	148.75	9.04	10.42
34.	Capital adequacy ratio - Tier II	0.00	0.00	0.00	0.15	0.32	0.24	0.00	0.12
35.	Ratio of net NPA to net advances	13.26	5.94	0.00	0.24	0.00	0.00	20.96	13.39

(per cent)

		As on March 31

	Ratios	Morgan Guaranty		Oman		Overseas Chinese		Sakura Bank
		Trust		International Bank		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

		(57)	(58)	(59)	(60)	(61)	(62)	(63)	(64)

1.	Cash-deposit ratio	10.06	24.16	3.99	3.75	4.69	4.23	18.07	26.37
2.	Credit-deposit ratio	0.00	0.00	53.87	29.35	162.60	118.56	243.78	151.13
3.	Investment-deposit ratio	89.63	345.71	33.05	27.85	67.15	99.04	121.66	58.09
4.	(Credit + investment)-deposit ratio	89.63	345.71	86.93	57.19	229.74	217.60	365.44	209.23
5.	Ratio of deposits to total liabilities	10.22	12.56	69.35	65.78	21.71	17.15	23.38	39.12
6.	Ratio of term deposits to total deposits	98.48	100.00	85.09	88.47	88.06	93.10	60.67	86.00
7.	Ratio of priority sector advances to total advances	..	..	23.84	12.34	27.92	10.91	23.73	22.55
8.	Ratio of term-loans to total advances	..	..	52.80	51.38	48.38	56.01	15.77	34.12
9.	Ratio of secured advances to total advances	..	..	85.19	75.48	74.17	100.00	81.81	90.45
10.	Ratio of investments in non-approved securities to total investments	0.00	29.25	0.00	0.00	36.08	38.34	17.08	13.61
11.	Ratio of Interest income to total assets	6.55	7.46	9.40	6.38	9.83	9.41	11.60	12.17
12.	Ratio of net interest margin to total assets	2.13	2.06	-0.52	-0.51	7.37	8.10	5.83	4.59
13.	Ratio of non-interest income to total assets	6.88	3.54	1.69	1.74	2.48	1.49	-1.17	0.91
14.	Ratio of intermediation cost to total assets	6.61	5.22	1.40	1.32	5.48	5.62	1.97	1.98
15.	Ratio of wage bills to intermediation cost	53.01	62.32	27.29	28.47	38.01	35.68	35.72	31.63
16.	Ratio of wage bills to total expenses	31.77	30.63	3.38	4.58	26.25	28.91	9.12	6.54
17.	Ratio of wage bills to total income	26.10	29.59	3.44	4.63	16.93	18.39	6.77	4.78
18.	Ratio of burden to total assets	-0.27	1.68	-0.29	-0.42	3.00	4.13	3.15	1.07
19.	Ratio of burden to interest income	-4.08	22.57	-3.11	-6.62	30.54	43.88	27.14	8.76
20.	Ratio of operating profits to total assets	-1.25	0.37	-0.23	-0.09	4.37	3.97	2.69	3.52
21.	Return on assets	2.02	0.25	0.00	0.00	0.00	0.74	-0.70	-2.11
22.	Return on equity	-4.02	0.81	-77.64	-24.18	-0.38	1.04	-3.86	-11.60
23.	Cost of deposits	0.18	5.39	12.79	9.67	4.96	6.29	5.75	6.06
24.	Cost of borrowings	9.69	13.81	16.23	6.93	34.12	2.25	8.06	11.98
25.	Cost of funds	8.63	11.71	12.99	9.48	8.77	5.64	7.19	9.60
26.	Return on advances	..	..	10.12	8.01	13.76	13.11	13.30	14.47
27.	Return on investments	8.34	14.30	12.71	9.91	11.23	11.63	10.76	9.73
28.	Return on advances adjusted to cost of funds	..	..	-2.87	-1.46	4.99	7.47	6.10	4.88
29.	Return on investments adjusted to cost of funds	-0.29	2.60	-0.28	0.43	2.46	6.00	3.57	0.13
30.	Business per employee (in Rs. lakh)	124.11	217.39	818.23	938.40	307.40	211.05	615.02	608.14
31.	Profit per employee (in Rs. lakh)	24.09	4.24	0.00	0.00	15.97	4.44	-4.80	-14.83
32.	Capital adequacy ratio	89.00	79.00	11.08	14.21	98.34	168.11	15.01	16.21
33.	Capital adequacy ratio - Tier I	89.00	79.00	9.65	12.82	98.34	167.82	15.01	16.07
34.	Capital adequacy ratio - Tier II	0.00	0.00	1.43	1.39	0.00	0.29	0.00	0.14
35.	Ratio of net NPA to net advances	0.00	0.00	33.79	37.11	15.97	18.44	16.49	1.03

(per cent)

		As on March 31

	Ratios	Sanwa Bank		Societe Generale		Sonali Bank		Standard
								Chartered Bank

		2001	2000	2000	2001	2000	2001	2000	2001

		(65)	(66)	(67)	(68)	(69)	(70)	(71)	(72)

1.	Cash-deposit ratio	16.31	11.75	4.79	4.97	7.72	13.70	10.85	7.67
2.	Credit-deposit ratio	154.84	224.93	62.55	83.63	8.65	12.62	86.27	101.93
3.	Investment-deposit ratio	38.70	113.65	84.75	94.33	7.68	11.93	62.73	106.15
4.	(Credit + investment)-deposit ratio	193.54	338.57	147.31	177.96	16.33	24.56	149.00	208.08
5.	Ratio of deposits to total liabilities	44.75	26.96	55.62	34.03	76.19	60.37	54.97	41.25
6.	Ratio of term deposits to total deposits	70.96	59.92	71.06	84.34	6.49	13.21	66.17	62.54
7.	Ratio of priority sector advances to total advances	38.12	28.23	21.03	21.20	0.64	0.76	21.08	27.63
8.	Ratio of term-loans to total advances	21.69	35.34	26.25	17.32	0.00	0.00	27.08	25.97
9.	Ratio of secured advances to total advances	66.21	79.34	89.68	82.27	100.00	2.38	65.98	52.90
10.	Ratio of investments in non-approved securities to total investments	0.00	31.73	7.86	28.21	20.55	13.46	37.91	41.74
11.	Ratio of Interest income to total assets	8.74	9.11	9.67	7.30	2.27	3.08	11.21	10.50
12.	Ratio of net interest margin to total assets	4.09	4.23	1.06	1.28	1.15	1.90	4.52	4.29
13.	Ratio of non-interest income to total assets	1.15	1.51	2.41	2.10	8.00	7.21	2.66	2.80
14.	Ratio of intermediation cost to total assets	2.33	3.61	2.75	2.78	4.05	4.25	3.29	3.48
15.	Ratio of wage bills to intermediation cost	21.58	13.42	39.74	41.24	50.79	56.91	26.19	26.56
16.	Ratio of wage bills to total expenses	7.21	5.71	9.63	13.02	39.78	44.53	8.63	9.54
17.	Ratio of wage bills to total income	5.08	4.57	9.06	12.19	20.05	23.48	6.21	6.95
18.	Ratio of burden to total assets	1.18	2.10	0.35	0.68	-3.94	-2.97	0.63	0.68
19.	Ratio of burden to interest income	13.50	23.10	3.58	9.34	-173.43	-96.35	5.61	6.46
20.	Ratio of operating profits to total assets	2.91	2.12	0.71	0.60	5.09	4.86	3.89	3.61
21.	Return on assets	0.13	0.27	0.02	0.04	4.11	5.87	3.69	3.14
22.	Return on equity	0.49	1.06	0.16	0.29	27.85	29.75	28.58	25.01
23.	Cost of deposits	6.88	6.63	9.05	7.23	1.16	1.35	8.08	7.00
24.	Cost of borrowings	6.09	6.88	12.18	7.00	..	..	7.00	6.96
25.	Cost of funds	6.52	6.76	10.07	7.12	1.17	1.36	7.77	6.98
26.	Return on advances	9.43	10.19	11.36	10.26	5.16	15.66	14.14	14.67
27.	Return on investments	12.10	9.26	11.05	8.52	8.64	12.72	12.53	8.97
28.	Return on advances adjusted to cost of funds	2.91	3.43	1.29	3.14	3.99	14.30	6.37	7.69
29.	Return on investments adjusted to cost of funds	5.58	2.50	0.98	1.40	7.47	11.36	4.76	1.99
30.	Business per employee (in Rs. lakh)	781.79	825.68	662.40	475.50	120.81	66.83	571.53	617.78
31.	Profit per employee (in Rs. lakh)	1.02	2.23	0.10	0.30	6.00	5.77	10.27	11.21
32.	Capital adequacy ratio	36.17	34.91	13.95	13.93	24.91	88.14	9.50	9.60
33.	Capital adequacy ratio - Tier I	36.17	34.91	13.71	13.28	24.91	88.14	6.00	6.70
34.	Capital adequacy ratio - Tier II	0.00	0.00	0.24	0.65	0.00	0.00	3.50	2.90
35.	Ratio of net NPA to net advances	18.58	9.61	8.66	7.27	0.00	0.00	2.04	1.53

(per cent)

		As on March 31

	Ratios	Standard		State Bank of		Sumitomo Bank		The Fuji Bank
		Chartered		Mauritius
		Grindlays

		2000	2001	2000	2001	2000	2001	2000	2001

		(73)	(74)	(75)	(76)	(77)	(78)	(79)	(80)

1.	Cash-deposit ratio	7.74	7.43	24.45	11.31	6.18	3.54	5.01	3.10
2.	Credit-deposit ratio	49.94	45.28	205.72	115.75	197.62	103.91	177.75	133.02
3.	Investment-deposit ratio	57.64	48.60	61.91	64.73	56.49	30.70	55.63	47.48
4.	(Credit + investment)-deposit ratio	107.57	93.88	267.63	180.48	254.11	134.61	233.37	180.50
5.	Ratio of deposits to total liabilities	73.73	67.77	30.69	44.71	34.36	67.20	34.06	46.40
6.	Ratio of term deposits to total deposits	65.57	57.52	83.93	93.74	78.28	97.10	98.56	98.05
7.	Ratio of priority sector advances to total advances	4.36	3.59	30.06	22.99	34.98	35.61	38.24	19.45
8.	Ratio of term-loans to total advances	71.80	66.42	25.30	38.06	85.24	88.55	22.50	20.26
9.	Ratio of secured advances to total advances	71.82	65.55	92.59	87.25	84.87	87.11	78.91	59.07
10.	Ratio of investments in non-approved securities to total investments	40.72	34.10	22.65	21.92	81.26	100.00	100.00	100.00
11.	Ratio of Interest income to total assets	10.11	10.78	9.19	9.29	10.92	9.94	8.84	10.76
12.	Ratio of net interest margin to total assets	4.24	5.25	3.55	3.17	3.48	2.53	2.00	3.02
13.	Ratio of non-interest income to total assets	2.43	1.74	1.82	1.62	1.02	0.85	0.70	1.22
14.	Ratio of intermediation cost to total assets	2.73	4.24	1.05	0.87	2.09	2.67	2.99	2.61
15.	Ratio of wage bills to intermediation cost	52.49	38.89	35.98	25.72	42.86	38.54	31.75	35.75
16.	Ratio of wage bills to total expenses	16.65	16.89	5.64	3.19	9.41	10.22	9.67	9.00
17.	Ratio of wage bills to total income	11.42	13.18	3.43	2.04	7.51	9.55	9.96	7.77
18.	Ratio of burden to total assets	0.30	2.50	-0.77	-0.75	1.07	1.82	2.29	1.38
19.	Ratio of burden to interest income	2.98	23.22	-8.35	-8.06	9.81	18.35	25.93	12.86
20.	Ratio of operating profits to total assets	3.94	2.75	4.31	3.91	2.41	0.70	-0.29	1.64
21.	Return on assets	1.57	3.14	1.48	1.05	2.75	0.70	2.76	-3.53
22.	Return on equity	16.92	7.99	6.12	4.38	1.31	-9.00	-12.27	-14.57
23.	Cost of deposits	7.06	5.77	10.55	9.21	5.51	5.29	11.53	11.62
24.	Cost of borrowings	4.07	6.87	6.10	8.09	13.19	15.52	6.87	8.83
25.	Cost of funds	6.75	5.93	8.41	8.69	9.08	9.05	9.57	10.33
26.	Return on advances	12.49	14.57	11.19	11.58	13.61	11.69	9.77	13.19
27.	Return on investments	11.37	13.14	10.76	9.00	8.88	9.08	10.21	10.75
28.	Return on advances adjusted to cost of funds	5.74	8.64	2.78	2.89	4.53	2.64	0.21	2.86
29.	Return on investments adjusted to cost of funds	4.62	7.22	2.35	0.31	-0.20	0.04	0.64	0.42
30.	Business per employee (in Rs. lakh)	386.38	618.00	1304.40	1292.10	760.18	1189.00	693.02	544.00
31.	Profit per employee (in Rs. lakh)	5.77	11.00	20.60	14.10	1.88	1.50	-26.79	-25.01
32.	Capital adequacy ratio	10.93	12.52	35.23	30.78	18.43	19.40	25.29	18.38
33.	Capital adequacy ratio - Tier I	5.98	6.90	35.16	30.55	18.43	19.24	25.29	18.21
34.	Capital adequacy ratio - Tier II	4.95	5.62	0.07	0.23	0.00	0.16	0.00	0.17
35.	Ratio of net NPA to net advances	0.03	0.41	7.76	18.93	16.13	16.76	10.28	3.24

(per cent)

		As on March 31

	Ratios	The Siam		Toronto Dominion
		Commercial Bank		Bank

		2000	2001	2000	2001

		(81)	(82)	(83)	(84)

1.	Cash-deposit ratio	3.25	12.34	..	269.63
2.	Credit-deposit ratio	188.19	269.18	..	3636.45
3.	Investment-deposit ratio	40.43	93.15	..	1301.93
4.	(Credit + investment)-deposit ratio	228.62	362.33	..	4938.38
5.	Ratio of deposits to total liabilities	35.60	22.40	0.00	1.73
6.	Ratio of term deposits to total deposits	34.18	88.67	..	100.00
7.	Ratio of priority sector advances to total advances	22.14	12.75	22.62	23.02
8.	Ratio of term-loans to total advances	34.14	40.26	77.38	76.98
9.	Ratio of secured advances to total advances	100.00	100.00	0.00	100.00
10.	Ratio of investments in non-approved securities to total investments	34.29	25.52	38.46	35.73
11.	Ratio of Interest income to total assets	12.25	8.43	10.78	14.00
12.	Ratio of net interest margin to total assets	6.06	1.71	9.40	9.51
13.	Ratio of non-interest income to total assets	1.73	1.30	1.41	1.82
14.	Ratio of intermediation cost to total assets	2.30	3.42	3.20	3.12
15.	Ratio of wage bills to intermediation cost	17.38	11.44	32.07	35.15
16.	Ratio of wage bills to total expenses	4.71	3.86	22.39	14.40
17.	Ratio of wage bills to total income	2.86	4.02	8.42	6.93
18.	Ratio of burden to total assets	0.57	2.12	1.79	1.30
19.	Ratio of burden to interest income	4.66	25.18	16.63	9.28
20.	Ratio of operating profits to total assets	5.48	-0.41	7.61	8.21
21.	Return on assets	2.25	-2.28	2.90	4.84
22.	Return on equity	8.95	-8.78	5.63	6.23
23.	Cost of deposits	8.67	13.76	..	3.01
24.	Cost of borrowings	15.12	8.95	0.00	13.60
25.	Cost of funds	10.51	11.31	4.00	13.37
26.	Return on advances	15.06	9.32	11.45	15.44
27.	Return on investments	10.80	10.60	18.25	15.39
28.	Return on advances adjusted to cost of funds	4.55	-1.99	7.46	2.07
29.	Return on investments adjusted to cost of funds	0.29	-0.72	14.26	2.02
30.	Business per employee (in Rs. lakh)	976.72	941.20	384.68	645.63
31.	Profit per employee (in Rs. lakh)	22.00	-25.89	31.99	37.57
32.	Capital adequacy ratio	28.00	33.23	51.98	57.87
33.	Capital adequacy ratio - Tier I	28.00	33.05	51.21	56.60
34.	Capital adequacy ratio - Tier II	0.00	0.18	0.77	1.27
35.	Ratio of net NPA to net advances	5.17	39.18	0.00	0.00

OTHER SCHEDULED COMMERCIAL BANKS
(per cent)

		As on March 31

	Ratios	Bank of		Bank of		Bank of		Benares
		Madura *		Punjab		Rajasthan		State Bank

		2000	2001	2000	2001	2000	2001	2000	2001

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

1.	Cash-deposit ratio	12.56		9.97	6.78	11.00	11.98	14.85	8.46
2.	Credit-deposit ratio	45.87		49.91	49.46	53.31	52.84	25.67	22.28
3.	Investment-deposit ratio	47.17		49.75	48.06	38.41	44.41	54.16	61.14
4.	(Credit + investment)-deposit ratio	93.04		99.65	97.53	91.72	97.25	79.84	83.42
5.	Ratio of deposits to total liabilities	81.71		81.62	81.59	78.53	81.33	89.94	90.95
6.	Ratio of term deposits to total deposits	64.04		68.25	71.87	59.48	58.27	68.23	69.05
7.	Ratio of priority sector advances to total advances	28.93		26.79	15.27	29.25	27.68	36.71	35.22
8.	Ratio of term-loans to total advances	39.64		38.24	47.79	31.49	31.18	25.72	22.53
9.	Ratio of secured advances to total advances	67.06		71.69	84.21	92.91	94.57	99.29	98.52
10.	Ratio of investments in non-approved securities to total investments	28.07		28.79	34.25	17.41	32.32	54.95	49.33
11.	Ratio of Interest income to total assets	9.17		9.89	9.83	10.25	10.44	9.89	9.43
12.	Ratio of net interest margin to total assets	2.58		2.77	3.27	2.40	3.14	1.35	0.96
13.	Ratio of non-interest income to total assets	2.45		1.74	1.24	1.37	1.33	1.78	1.62
14.	Ratio of intermediation cost to total assets	2.66		2.49	2.64	3.30	3.11	3.07	3.32
15.	Ratio of wage bills to intermediation cost	58.45		11.74	9.63	70.34	65.66	69.61	74.33
16.	Ratio of wage bills to total expenses	16.81		3.04	2.76	20.81	19.63	18.38	20.93
17.	Ratio of wage bills to total income	13.39		2.51	2.30	19.97	17.36	18.29	22.34
18.	Ratio of burden to total assets	0.21		0.75	1.40	1.93	1.78	1.29	1.70
19.	Ratio of burden to interest income	2.34		7.55	14.29	18.82	17.05	13.04	18.06
20.	Ratio of operating profits to total assets	2.37		2.03	1.87	0.47	1.36	0.06	-0.75
21.	Return on assets	1.12		1.04	0.93	0.30	0.74	0.57	1.19
22.	Return on equity	19.86		20.80	20.11	5.45	14.82	-8.19	-20.40
23.	Cost of deposits	7.27		8.02	7.32	9.74	9.06	9.47	9.33
24.	Cost of borrowings	3.69		9.40	7.15	9.97	1.51	10.40	7.07
25.	Cost of funds	7.07		8.11	7.31	9.75	9.01	9.48	9.32
26.	Return on advances	12.10		11.62	11.47	12.71	12.23	11.25	11.40
27.	Return on investments	10.27		12.37	12.21	12.81	12.62	14.64	12.77
28.	Return on advance adjusted to cost of funds	5.03		3.51	4.17	2.97	3.22	1.77	2.08
29.	Return on investment adjusted to cost of funds	3.20		4.26	4.90	3.07	3.60	5.16	3.45
30.	Business per employee (in Rs. lakh)	202.00		712.05	645.68	111.37	123.55	86.03	100.13
31.	Profit per employee (in Rs. lakh)	1.73		6.03	4.94	0.28	0.75	0.40	-1.04
32.	Capital adequacy ratio	15.83		9.81	11.02	5.73	10.57	Neg.	Neg.
33.	Capital adequacy ratio - Tier I	14.72		9.81	8.52	5.10	8.91	Neg.	Neg.
34.	Capital adequacy ratio - Tier II	1.11		0.00	2.50	0.63	1.66	Neg.	Neg.
35.	Ratio of net NPA to net advances	4.70		2.32	2.31	9.65	12.00	24.70	4.39

(per cent)

		As on March 31

	Ratios	Bharat Overseas		Catholic Syrian		Centurion		City Union
		Bank		Bank		Bank		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

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

1.	Cash-deposit ratio	5.77	5.23	7.44	5.82	8.60	7.63	10.01	10.01
2.	Credit-deposit ratio	48.82	48.38	43.16	45.50	47.58	47.64	57.40	54.38
3.	Investment-deposit ratio	32.40	34.11	40.47	39.53	56.88	50.66	39.61	40.35
4.	(Credit + investment)-deposit ratio	81.22	82.48	83.63	85.03	104.46	98.31	97.00	94.73
5.	Ratio of deposits to total liabilities	87.14	86.41	91.30	92.91	74.02	72.41	86.93	88.67
6.	Ratio of term deposits to total deposits	77.15	78.42	74.77	76.23	88.46	82.87	75.99	76.25
7.	Ratio of priority sector advances to total advances	25.26	25.65	28.89	25.46	5.31	14.53	33.91	33.88
8.	Ratio of term-loans to total advances	21.81	24.20	40.17	41.26	49.90	55.30	22.95	23.62
9.	Ratio of secured advances to total advances	85.34	80.18	94.03	93.86	83.95	84.18	96.09	95.94
10.	Ratio of investments in non-approved securities to total investments	14.23	13.37	24.05	22.66	48.58	25.25	22.31	17.39
11.	Ratio of Interest income to total assets	8.90	9.00	11.31	11.02	10.63	9.86	11.89	11.01
12.	Ratio of net interest margin to total assets	2.22	2.95	2.52	2.86	1.93	1.84	3.16	3.19
13.	Ratio of non-interest income to total assets	1.27	1.46	1.68	1.70	2.13	1.77	2.24	1.72
14.	Ratio of intermediation cost to total assets	2.19	2.33	3.18	2.85	2.50	2.57	2.08	1.97
15.	Ratio of wage bills to intermediation cost	49.82	45.84	73.97	74.74	10.49	10.76	64.19	62.04
16.	Ratio of wage bills to total expenses	12.30	12.72	19.66	19.35	2.34	2.61	12.34	12.47
17.	Ratio of wage bills to total income	10.73	10.19	18.12	16.75	2.05	2.38	9.44	9.59
18.	Ratio of burden to total assets	0.92	0.86	1.50	1.15	0.37	0.80	-0.16	0.25
19.	Ratio of burden to interest income	10.34	9.59	13.25	10.43	3.44	8.10	-1.35	2.23
20.	Ratio of operating profits to total assets	1.30	2.09	1.02	1.71	1.56	1.04	3.32	2.95
21.	Return on assets	0.07	1.04	0.25	0.38	0.82	0.13	1.28	1.21
22.	Return on equity	1.23	18.93	12.24	17.84	17.86	3.28	20.60	19.17
23.	Cost of deposits	7.48	6.69	9.19	8.59	9.12	8.08	9.77	8.63
24.	Cost of borrowings	4.94	7.44	3.78	3.81	5.68	4.19	5.88	7.24
25.	Cost of funds	7.39	6.71	9.04	8.50	8.45	7.34	9.66	8.60
26.	Return on advances	11.04	10.82	14.24	13.25	13.52	13.55	14.87	13.76
27.	Return on investments	10.98	10.81	13.33	12.93	10.69	10.09	12.76	11.39
28.	Return on advances adjusted to cost of funds	3.65	4.10	5.20	4.75	5.07	6.21	5.21	5.16
29.	Return on investments adjusted to cost of funds	3.59	4.10	4.29	4.43	2.24	2.75	3.10	2.79
30.	Business per employee (in Rs. lakh)	205.00	233.00	107.00	125.42	688.73	636.16	155.94	167.35
31.	Profit per employee (in Rs. lakh)	0.10	1.67	0.21	0.37	9.14	7.04	1.48	1.58
32.	Capital adequacy ratio	12.68	14.43	5.94	6.08	15.62	16.49	13.33	13.59
33.	Capital adequacy ratio - Tier I	12.29	12.48	3.89	4.47	6.31	6.88	13.05	13.26
34.	Capital adequacy ratio - Tier II	0.39	1.95	2.05	1.61	9.31	9.61	0.28	0.33
35.	Ratio of net NPA to net advances	6.39	4.14	12.41	9.99	2.70	2.96	7.26	8.20