Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 3 of 4) - ആർബിഐ - Reserve Bank of India
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 |
*: During March 2001, Bank of Madura has been merged with ICICI Bank. |