B10 : Selected Ratios of Scheduled Commercial Banks : 2003 and 2004 (Part 3 of 4) - आरबीआय - Reserve Bank of India
B10 : Selected Ratios of Scheduled Commercial Banks : 2003 and 2004 (Part 3 of 4)
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(in per cent) |
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As on March 31 |
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Ratios |
Deutsche Bank |
Hongkong & |
ING Bank |
J P Morgan |
|||||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
||||
|
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
|||
1. Cash-deposit ratio |
8.21 |
13.22 |
7.16 |
4.49 |
30.91 |
0 |
4.23 |
56.47 |
|||
2. Credit-deposit ratio |
82.65 |
82.85 |
64.07 |
59.18 |
285.4 |
0 |
0 |
0 |
|||
3. Investment-deposit ratio |
126.4 |
89.92 |
69.29 |
63.89 |
557.4 |
0 |
285.1 |
75.39 |
|||
4. (Credit+Investment)-deposit ratio |
209.1 |
172.76 |
133.4 |
123.1 |
842.8 |
0 |
285.1 |
75.39 |
|||
5. Ratio of deposits to total liabilities |
33.29 |
29.46 |
61.22 |
64.16 |
5.24 |
0 |
30.19 |
56.95 |
|||
6. Ratio of term deposits to total deposits |
39.41 |
40.95 |
66.1 |
53.77 |
96.13 |
0 |
52.47 |
79.51 |
|||
7. Ratio of priority sector advances to total advances |
21.44 |
23.49 |
15.91 |
14.72 |
0 |
0 |
0 |
0 |
|||
8. Ratio of term loan to total advances |
7.58 |
4.42 |
36.73 |
40.7 |
77.35 |
100 |
0 |
0 |
|||
9. Ratio of secured advances to total advances |
60.26 |
62.09 |
74.31 |
68.72 |
70.81 |
100 |
0 |
0 |
|||
10. Ratio of investments in non-approved |
11.61 |
10.74 |
18.58 |
14.4 |
0 |
100 |
3.87 |
6.3 |
|||
11. Ratio of interest income to total assets |
5.86 |
4.17 |
7.39 |
6.11 |
5.84 |
1.09 |
4.78 |
5.74 |
|||
12. Ratio of net interest margin to total assets |
2.73 |
1.01 |
3.01 |
2.99 |
1.19 |
0.29 |
3.53 |
4.35 |
|||
13. Ratio of non-interest income to total assets |
6.28 |
8.38 |
2.41 |
3.05 |
2.19 |
1.9 |
4.38 |
3.18 |
|||
14. Ratio of intemediation cost to total assets |
2.89 |
2.38 |
3.07 |
2.7 |
6.27 |
1.77 |
2.72 |
3.57 |
|||
15. Ratio of wage bills to intemediation cost |
37.54 |
37 |
38.12 |
37.08 |
57.99 |
14.49 |
57.24 |
53.38 |
|||
16. Ratio of wage bills to total expense |
18.04 |
15.89 |
15.69 |
17.18 |
33.32 |
9.96 |
39.26 |
38.39 |
|||
17. Ratio of wage bills to total income |
8.95 |
7.02 |
11.94 |
10.92 |
45.33 |
8.58 |
17.01 |
21.36 |
|||
18. Ratio of burden to total assets |
-3.39 |
-5.99 |
0.66 |
-0.35 |
4.09 |
-0.13 |
-1.66 |
0.39 |
|||
19. Ratio of burden to interest income |
-57.8 |
-143.82 |
8.95 |
-5.74 |
70.01 |
-11.8 |
-34.71 |
6.79 |
|||
20. Ratio of operating profits to total assets |
6.12 |
7 |
2.35 |
2.49 |
-2.89 |
0.41 |
5.19 |
3.96 |
|||
21. Return on assets |
2.92 |
3.17 |
0.8 |
0.91 |
-8.41 |
-0.05 |
3.1 |
2.34 |
|||
22. Return on equity |
22.14 |
31.04 |
8.52 |
8.33 |
-40.51 |
-0.07 |
9.38 |
7.62 |
|||
23. Cost of deposits |
2.39 |
1.48 |
4.76 |
3.45 |
6.21 |
22.31 |
2.25 |
2.29 |
|||
24. Cost of borrowings |
5.26 |
5.25 |
7.41 |
6.67 |
6.6 |
0 |
1.38 |
1.22 |
|||
25. Cost of funds |
3.87 |
3.83 |
5.32 |
3.98 |
6.43 |
2.16 |
1.79 |
1.98 |
|||
26. Return on advances |
8.52 |
5.01 |
9.6 |
8.4 |
13.37 |
6.21 |
0 |
0 |
|||
27. Return on investments |
7.38 |
6.14 |
8.78 |
6.58 |
6.61 |
0.6 |
4.93 |
7.87 |
|||
28. Return on advances adjusted to cost of funds |
4.65 |
1.17 |
4.28 |
4.42 |
6.93 |
4.05 |
0 |
0 |
|||
29. Return on investments adjusted to cost of funds |
3.51 |
2.31 |
3.46 |
2.6 |
0.17 |
-1.56 |
3.15 |
5.9 |
|||
30. Business per employee (in Rs.lakh) |
894.2 |
1,099.23 |
622.8 |
820.9 |
299.1 |
0 |
364.08 |
259.3 |
|||
31. Profit per employee (in Rs.lakh) |
43.31 |
65.23 |
4.5 |
6.32 |
-50.62 |
-5.21 |
37.37 |
28.74 |
|||
32. Capital adequacy ratio |
17.35 |
14.42 |
18.1 |
14.54 |
20.72 |
56.91 |
72.95 |
34.83 |
|||
33. Capital adequacy ratio - Tier I |
15.16 |
9.32 |
14.5 |
11.17 |
20.54 |
56.91 |
69.97 |
32.99 |
|||
34. Capital adequacy ratio - Tier II |
2.19 |
5.1 |
3.6 |
3.37 |
0.18 |
0 |
2.98 |
1.84 |
|||
35. Ratio of net NPA to net advances |
32.1 |
0 |
1.03 |
0.7 |
0 |
0.09 |
0 |
0 |
|||
Source : Compiled from annual accounts of banks of respective years |
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
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FOREIGN BANKS |
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(in per cent) |
||||||||
As on March 31 |
||||||||
Ratios |
Krung Thai |
Mashreq |
Mizuho Corporate |
Oman International |
||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
1. Cash-deposit ratio |
4.02 |
4.96 |
3.43 |
3.57 |
1.83 |
10.01 |
7.53 |
8.3 |
2. Credit-deposit ratio |
72.8 |
93.91 |
13.91 |
6.24 |
131.34 |
354.73 |
7.82 |
6.09 |
3. Investment-deposit ratio |
47.88 |
51.19 |
78.78 |
73.9 |
45.49 |
63.55 |
30.98 |
49.48 |
4. (Credit+Investment)-deposit ratio |
120.7 |
145.1 |
92.69 |
80.14 |
176.83 |
418.28 |
38.8 |
55.57 |
5. Ratio of deposits to total liabilities |
28.95 |
28.87 |
81.2 |
81.29 |
45.76 |
17.49 |
62.27 |
54.12 |
6. Ratio of term deposits to total deposits |
24.49 |
43.82 |
92.26 |
92.2 |
95.99 |
73.45 |
87.73 |
80.11 |
7. Ratio of priority sector advances to total advances |
11.89 |
34.65 |
56.89 |
60.05 |
6.9 |
0.31 |
38.15 |
35.53 |
8. Ratio of term loan to total advances |
0 |
6.35 |
9.94 |
11.3 |
9.86 |
11.01 |
48.07 |
22.57 |
9. Ratio of secured advances to total advances |
88.11 |
87.77 |
81.5 |
70.5 |
86.57 |
84.8 |
93.09 |
100 |
10. Ratio of investments in non-approved |
18.25 |
16.57 |
64.88 |
62.51 |
4.62 |
0 |
0 |
0 |
11. Ratio of interest income to total assets |
7.66 |
5.86 |
10.11 |
9.71 |
7.84 |
6.63 |
3.82 |
3.84 |
12. Ratio of net interest margin to total assets |
7.29 |
5.35 |
2.84 |
2.33 |
2.48 |
4.38 |
-1.59 |
-0.34 |
13. Ratio of non-interest income to total assets |
0.48 |
0.28 |
2.11 |
0.69 |
1.13 |
1.01 |
1.61 |
1.21 |
14. Ratio of intemediation cost to total assets |
4.71 |
3.97 |
1.7 |
1.24 |
2.47 |
2.53 |
1.27 |
1.03 |
15. Ratio of wage bills to intemediation cost |
21.26 |
24.09 |
24.04 |
29.29 |
41.81 |
44.23 |
42.05 |
27.12 |
16. Ratio of wage bills to total expense |
19.71 |
21.38 |
4.55 |
4.22 |
13.19 |
23.42 |
7.97 |
5.37 |
17. Ratio of wage bills to total income |
12.32 |
15.57 |
3.34 |
3.5 |
11.51 |
14.63 |
9.8 |
5.54 |
18. Ratio of burden to total assets |
4.24 |
3.69 |
-0.41 |
0.55 |
1.34 |
1.51 |
-0.35 |
-0.18 |
19. Ratio of burden to interest income |
55.32 |
62.92 |
-4.08 |
5.67 |
17.09 |
22.85 |
-9.1 |
-4.76 |
20. Ratio of operating profits to total assets |
3.05 |
1.67 |
3.26 |
1.78 |
1.14 |
2.87 |
-1.25 |
-0.16 |
21. Return on assets |
-0.73 |
1.37 |
3.24 |
1.76 |
0.31 |
2.41 |
2.19 |
0.49 |
22. Return on equity |
-1.04 |
2 |
27.48 |
11.64 |
1.28 |
6.04 |
-6.83 |
-1.36 |
23. Cost of deposits |
1.54 |
1.73 |
9.04 |
9.05 |
7.57 |
2.71 |
7.92 |
6.68 |
24. Cost of borrowings |
0 |
0.52 |
1.92 |
3.03 |
3.93 |
4.07 |
9.77 |
4.82 |
25. Cost of funds |
1.83 |
1.71 |
8.37 |
8.98 |
6.08 |
3.33 |
8.02 |
6.51 |
26. Return on advances |
7.7 |
9.81 |
18.07 |
21.79 |
9.13 |
7.47 |
7.14 |
6.09 |
27. Return on investments |
9.24 |
6.91 |
9.71 |
11.02 |
7.79 |
5.52 |
8.32 |
7.31 |
28. Return on advances adjusted to cost of funds |
5.88 |
8.09 |
9.7 |
12.81 |
3.05 |
4.14 |
-0.88 |
-0.42 |
29. Return on investments adjusted to cost of funds |
7.42 |
5.2 |
1.34 |
2.04 |
1.71 |
2.19 |
0.31 |
0.8 |
30. Business per employee (in Rs.lakh) |
251.7 |
291.03 |
820.5 |
865.85 |
486.66 |
527.8 |
1,355.31 |
1,233.79 |
31. Profit per employee (in Rs.lakh) |
-3.66 |
7.12 |
65.82 |
50.53 |
2.21 |
16.06 |
-26.81 |
-5.61 |
32. Capital adequacy ratio |
119.9 |
115.98 |
39.38 |
54.71 |
18.5 |
36.09 |
14.62 |
16.48 |
33. Capital adequacy ratio - Tier I |
118.4 |
114.54 |
37.42 |
53.15 |
18.19 |
35.41 |
14.18 |
16.25 |
34. Capital adequacy ratio - Tier II |
1.45 |
1.44 |
1.96 |
1.56 |
0.31 |
0.68 |
0.44 |
0.23 |
35. Ratio of net NPA to net advances |
0 |
0 |
0 |
0 |
0.76 |
0 |
41.15 |
61.37 |
Source : Compiled from annual accounts of banks of respective years |
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
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FOREIGN BANKS |
||||||||
|
|
|
|
|
|
|
(in per cent) |
|
|
As on March 31 |
|||||||
Ratios |
Oversea Chinese |
Societe |
Sonali Bank |
Standard |
||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(57) |
(58) |
(59) |
(60) |
(61) |
(62) |
(63) |
(64) |
1. Cash-deposit ratio |
21,228.57 |
0 |
9 |
5.37 |
10.9 |
11.52 |
6.43 |
5.19 |
2. Credit-deposit ratio |
426,900.00 |
0 |
67.87 |
41.42 |
21.36 |
19.7 |
72.44 |
80.97 |
3. Investment-deposit ratio |
142,657.14 |
0 |
215.9 |
111.38 |
18.68 |
22.1 |
56.79 |
50.52 |
4. (Credit+Investment)-deposit ratio |
569,557.14 |
0 |
283.8 |
152.79 |
40.04 |
41.8 |
129.23 |
131.5 |
5. Ratio of deposits to total liabilities |
0 |
0 |
22.89 |
56.18 |
77.71 |
80.85 |
61.42 |
58.08 |
6. Ratio of term deposits to total deposits |
0 |
0 |
84.44 |
93.04 |
20.46 |
21.62 |
63.19 |
55.17 |
7. Ratio of priority sector advances to total advances |
0 |
0 |
17.17 |
13.26 |
7.94 |
1.82 |
21.21 |
24.61 |
8. Ratio of term loan to total advances |
0 |
0 |
12.31 |
54.86 |
0 |
0 |
61.36 |
45.56 |
9. Ratio of secured advances to total advances |
38.15 |
0 |
80.21 |
74.8 |
37.2 |
39.52 |
62.77 |
68.58 |
10. Ratio of investments in non-approved |
0 |
0 |
22.16 |
3.27 |
17.19 |
29.87 |
35.69 |
30.31 |
11. Ratio of interest income to total assets |
5.36 |
0 |
5.65 |
4.58 |
4.09 |
3.82 |
9.48 |
7.93 |
12. Ratio of net interest margin to total assets |
5.36 |
0 |
1.96 |
2.13 |
1.13 |
1.38 |
4.7 |
4.56 |
13. Ratio of non-interest income to total assets |
0.15 |
0 |
1.61 |
3.11 |
7.3 |
11.77 |
2.32 |
2.2 |
14. Ratio of intemediation cost to total assets |
5.96 |
0 |
3 |
2.28 |
6.21 |
6.99 |
2.4 |
2.43 |
15. Ratio of wage bills to intemediation cost |
32.86 |
0 |
47.29 |
43.79 |
54.21 |
53.47 |
28.51 |
28.44 |
16. Ratio of wage bills to total expense |
32.81 |
0 |
21.27 |
21.13 |
36.73 |
39.67 |
9.53 |
11.94 |
17. Ratio of wage bills to total income |
35.5 |
0 |
19.57 |
12.98 |
29.58 |
23.97 |
5.8 |
6.84 |
18. Ratio of burden to total assets |
5.81 |
0 |
1.39 |
-0.83 |
-1.09 |
-4.78 |
0.08 |
0.24 |
19. Ratio of burden to interest income |
108.26 |
0 |
24.61 |
-18.19 |
-26.6 |
-125.4 |
0.81 |
3 |
20. Ratio of operating profits to total assets |
-0.45 |
0 |
0.58 |
2.97 |
2.21 |
6.17 |
4.6 |
4.33 |
21. Return on assets |
0 |
0 |
-1.44 |
2.14 |
1.23 |
3.34 |
2.92 |
1.74 |
22. Return on equity |
-0.25 |
0 |
-8.52 |
10.34 |
11.13 |
25.41 |
39.26 |
21.56 |
23. Cost of deposits |
1.38 |
0 |
4.91 |
2.46 |
2.75 |
2.02 |
6.65 |
3.77 |
24. Cost of borrowings |
0 |
0 |
4.64 |
4.41 |
0.64 |
0 |
4.13 |
3.83 |
25. Cost of funds |
1.42 |
0 |
4.73 |
3.31 |
2.74 |
2.02 |
5.75 |
3.78 |
26. Return on advances |
0 |
0 |
8.84 |
5.08 |
7.57 |
8.85 |
13.23 |
10.47 |
27. Return on investments |
10.88 |
0 |
6.39 |
5.06 |
12.89 |
8.55 |
8.8 |
8.8 |
28. Return on advances adjusted to cost of funds |
-1.42 |
0 |
4.11 |
1.77 |
4.83 |
6.83 |
7.49 |
6.69 |
29. Return on investments adjusted to cost of funds |
9.46 |
0 |
1.66 |
1.76 |
10.15 |
6.53 |
3.05 |
5.02 |
30. Business per employee (in Rs.lakh) |
99.63 |
0 |
351.5 |
1,017.00 |
76.62 |
74.54 |
840.54 |
780.1 |
31. Profit per employee (in Rs.lakh) |
0 |
0 |
-13.6 |
25.4 |
1.05 |
2.57 |
25.15 |
13.4 |
32. Capital adequacy ratio |
385.49 |
0 |
32.63 |
32.71 |
46.86 |
60.55 |
10.56 |
10.87 |
33. Capital adequacy ratio - Tier I |
384.84 |
0 |
31.19 |
30.2 |
46.42 |
59.94 |
6.81 |
7.11 |
34. Capital adequacy ratio - Tier II |
0.65 |
0 |
1.44 |
2.51 |
0.44 |
0.61 |
3.75 |
3.76 |
35. Ratio of net NPA to net advances |
100 |
0 |
0 |
1.37 |
6.77 |
1.47 |
0.31 |
0.52 |
# : See 'Explanatory Notes'. |
||||||||
Source : Compiled from annual accounts of banks of respective years |
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
||||||||
FOREIGN BANKS |
||||||||
|
|
|
|
|
|
|
(per cent) |
|
As on March 31 |
||||||||
Ratios |
State Bank of |
Sumitomo Mitsui |
Toronto-Dominion |
UFJ Bank |
||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(65) |
(66) |
(67) |
(68) |
(69) |
(70) |
(71) |
(72) |
1. Cash-deposit ratio |
6.12 |
6.03 |
35.95 |
15.04 |
0 |
0 |
10.81 |
10.61 |
2. Credit-deposit ratio |
159.07 |
145.86 |
186.8 |
132.1 |
0 |
0 |
150.49 |
153.65 |
3. Investment-deposit ratio |
67.86 |
62.14 |
122.17 |
132.49 |
0 |
0 |
65.13 |
73.78 |
4. (Credit+Investment)-deposit ratio |
226.93 |
208 |
308.97 |
264.59 |
0 |
0 |
215.62 |
227.42 |
5. Ratio of deposits to total liabilities |
38.96 |
41.38 |
25.8 |
24.89 |
0 |
0 |
32.06 |
19.24 |
6. Ratio of term deposits to total deposits |
87.26 |
91.18 |
43.66 |
46.26 |
0 |
0 |
70.52 |
51.57 |
7. Ratio of priority sector advances to total advances |
15.48 |
18.8 |
28.83 |
15.14 |
0 |
0 |
14.58 |
17.07 |
8. Ratio of term loan to total advances |
56.17 |
71.87 |
1.49 |
72.21 |
100 |
0 |
18.47 |
17.85 |
9. Ratio of secured advances to total advances |
79.12 |
74.15 |
83.68 |
78.9 |
100 |
0 |
89.87 |
97.31 |
10. Ratio of investments in non-approved |
23.22 |
7.76 |
38.24 |
38.93 |
0 |
0 |
26.64 |
44.8 |
11. Ratio of interest income to total assets |
6.23 |
7.05 |
9.43 |
7.61 |
8.62 |
0 |
6.32 |
4.9 |
12. Ratio of net interest margin to total assets |
2.55 |
3.1 |
4.93 |
5.55 |
8.59 |
0 |
3.49 |
4.24 |
13. Ratio of non-interest income to total assets |
2.89 |
3.44 |
1.17 |
1.04 |
-0.25 |
0 |
0.83 |
1.12 |
14. Ratio of intemediation cost to total assets |
1.23 |
1.12 |
2.11 |
2.42 |
4.08 |
0 |
1.72 |
1.76 |
15. Ratio of wage bills to intemediation cost |
32.57 |
34.94 |
32.02 |
41.66 |
42.84 |
0 |
29.49 |
32.1 |
16. Ratio of wage bills to total expense |
8.18 |
7.71 |
10.21 |
22.53 |
42.57 |
0 |
11.15 |
23.32 |
17. Ratio of wage bills to total income |
4.41 |
3.73 |
6.37 |
11.68 |
20.87 |
0 |
7.1 |
9.38 |
18. Ratio of burden to total assets |
-1.65 |
-2.33 |
0.94 |
1.38 |
4.33 |
0 |
0.89 |
0.64 |
19. Ratio of burden to interest income |
-26.55 |
-33 |
9.98 |
18.2 |
50.2 |
0 |
14.14 |
12.99 |
20. Ratio of operating profits to total assets |
4.2 |
5.42 |
3.99 |
4.17 |
4.27 |
0 |
2.6 |
3.6 |
21. Return on assets |
1.18 |
1.33 |
0.2 |
-13.71 |
1.45 |
0 |
0.31 |
1.75 |
22. Return on equity |
3.7 |
4.88 |
-26.7 |
-41.57 |
1.5 |
0 |
0.76 |
2.7 |
23. Cost of deposits |
7.2 |
5.62 |
5.98 |
3.13 |
0 |
0 |
5.33 |
2.22 |
24. Cost of borrowings |
2.37 |
5.8 |
6.79 |
4.56 |
0 |
0 |
3.96 |
0.48 |
25. Cost of funds |
5.4 |
5.69 |
6.45 |
3.87 |
0 |
0 |
4.95 |
1.8 |
26. Return on advances |
6.88 |
6.33 |
13.33 |
10.83 |
23.8 |
0 |
7.2 |
6.91 |
27. Return on investments |
7.43 |
10.55 |
7.27 |
6.01 |
9.68 |
0 |
7.59 |
4.74 |
28. Return on advances adjusted to cost of funds |
1.48 |
0.63 |
6.88 |
6.96 |
0 |
0 |
2.25 |
5.11 |
29. Return on investments adjusted to cost of funds |
2.02 |
4.86 |
0.82 |
2.13 |
0 |
0 |
2.63 |
2.94 |
30. Business per employee (in Rs.lakh) |
1,124.00 |
1,523.00 |
447.18 |
297.32 |
256.61 |
0 |
892.4 |
535.72 |
31. Profit per employee (in Rs.lakh) |
12 |
20 |
0.15 |
-70.55 |
15.53 |
0 |
3.06 |
17.35 |
32. Capital adequacy ratio |
31.74 |
35.08 |
35.49 |
52.3 |
324.62 |
0 |
67.68 |
121.69 |
33. Capital adequacy ratio - Tier I |
31.13 |
33.73 |
27.73 |
42.85 |
323.44 |
0 |
67.07 |
120.61 |
34. Capital adequacy ratio - Tier II |
0.61 |
1.35 |
7.76 |
9.45 |
1.18 |
0 |
0.61 |
1.08 |
35. Ratio of net NPA to net advances |
14.2 |
4.64 |
19.81 |
12.78 |
0 |
0 |
8.58 |
0 |
# : See 'Explanatory Notes'. |
||||||||
Source : Compiled from annual accounts of banks of respective years |
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
||||||||
OTHER SCHEDULED COMMERCIAL BANKS |
||||||||
|
|
|
|
|
|
(per cent) |
||
As on March 31 |
||||||||
Rat65 |
Bank of Punjab |
Bank |
Bharat |
Catholic |
||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. Cash-deposit ratio |
11.31 |
7.8 |
7.15 |
4.4 |
4.33 |
5.12 |
6.09 |
4.33 |
2. Credit-deposit ratio |
50.06 |
56.89 |
41.92 |
32.8 |
53.65 |
56.3 |
42 |
48.92 |
3. Investment-deposit ratio |
41.37 |
38 |
49.87 |
58.8 |
37.78 |
37.9 |
51.6 |
46.87 |
4. (Credit+Investment)-deposit ratio |
91.43 |
94.89 |
91.78 |
91.6 |
91.44 |
94.2 |
93.6 |
95.79 |
5. Ratio of deposits to total liabilities |
83.74 |
85.48 |
86.45 |
87.6 |
88.07 |
87.7 |
90.8 |
90.09 |
6. Ratio of term deposits to total deposits |
68.34 |
61.56 |
63.93 |
70.2 |
78.15 |
74.7 |
77.6 |
73.68 |
7. Ratio of priority sector advances to total advances |
15.79 |
18.85 |
22.33 |
32.1 |
22.71 |
21 |
20.8 |
26.89 |
8. Ratio of term loan to total advances |
58.45 |
58.63 |
42.81 |
46.7 |
27.59 |
35.4 |
44.3 |
49.54 |
9. Ratio of secured advances to total advances |
88.94 |
89.52 |
88.47 |
93.2 |
87.51 |
88.3 |
95.7 |
95.94 |
10. Ratio of investments in non-approved |
25.79 |
27.54 |
21.01 |
13.2 |
27.49 |
29.5 |
12.9 |
11.08 |
11. Ratio of interest income to total assets |
8.65 |
7.45 |
8.65 |
6.9 |
7.74 |
7.55 |
9.45 |
8.74 |
12. Ratio of net interest margin to total assets |
2.42 |
2.81 |
3.31 |
2.6 |
2.66 |
3.25 |
2.44 |
2.99 |
13. Ratio of non-interest income to total assets |
3.3 |
2.9 |
2.31 |
2.43 |
1.58 |
1.2 |
3.41 |
2.91 |
14. Ratio of intemediation cost to total assets |
3.06 |
3.45 |
2.9 |
2.49 |
2.07 |
2.29 |
2.8 |
2.88 |
15. Ratio of wage bills to intemediation cost |
13.28 |
13.2 |
65.43 |
64 |
45.64 |
46 |
75.6 |
72.1 |
16. Ratio of wage bills to total expense |
4.37 |
5.63 |
23.05 |
23.5 |
13.22 |
16 |
21.6 |
24.08 |
17. Ratio of wage bills to total income |
3.4 |
4.41 |
17.33 |
17.1 |
10.15 |
12 |
16.5 |
17.84 |
18. Ratio of burden to total assets |
-0.24 |
0.55 |
0.59 |
0.06 |
0.49 |
1.08 |
-0.61 |
-0.03 |
19. Ratio of burden to interest income |
-2.79 |
7.41 |
6.83 |
0.9 |
6.38 |
14.4 |
-6.44 |
-0.29 |
20. Ratio of operating profits to total assets |
2.66 |
2.26 |
2.72 |
2.54 |
2.17 |
2.16 |
3.05 |
3.02 |
21. Return on assets |
0.79 |
0.85 |
1.12 |
0.82 |
1.17 |
1.25 |
1.17 |
1.31 |
22. Return on equity |
15.69 |
16.15 |
26.37 |
22.5 |
21.66 |
22.5 |
36.9 |
33.83 |
23. Cost of deposits |
6.74 |
4.98 |
6.21 |
4.86 |
5.66 |
4.76 |
7.52 |
6.2 |
24. Cost of borrowings |
10.93 |
5.68 |
7.61 |
0.96 |
2.56 |
5.16 |
3.74 |
1.84 |
25. Cost of funds |
6.86 |
5 |
6.21 |
4.8 |
5.56 |
4.76 |
7.51 |
6.19 |
26. Return on advances |
10.35 |
8.66 |
10.14 |
8.48 |
8.93 |
8.27 |
11.6 |
10.24 |
27. Return on investments |
11.33 |
9.62 |
10.23 |
8.04 |
9.55 |
9.48 |
10.9 |
9.53 |
28. Return on advances adjusted to cost of funds |
3.48 |
3.66 |
3.93 |
3.68 |
3.37 |
3.5 |
4.05 |
4.05 |
29. Return on investments adjusted to cost of funds |
4.46 |
4.62 |
4.02 |
3.24 |
3.99 |
4.72 |
3.34 |
|
30. Business per employee (in Rs.lakh) |
465.18 |
445 |
164.64 |
200 |
317 |
370 |
165 |
182.16 |
31. Profit per employee (in Rs.lakh) |
2.75 |
3 |
1.63 |
1.67 |
2.77 |
3.41 |
1.57 |
1.96 |
32. Capital adequacy ratio |
13.59 |
12.64 |
11.29 |
11.2 |
13.87 |
16.3 |
9.66 |
11.23 |
33. Capital adequacy ratio - Tier I |
8.47 |
7.74 |
8.92 |
8.35 |
10.55 |
9.76 |
6.32 |
6.95 |
34. Capital adequacy ratio - Tier II |
5.12 |
4.9 |
2.37 |
2.83 |
3.32 |
6.49 |
3.34 |
4.28 |
35. Ratio of net NPA to net advances |
7.17 |
4.69 |
6.8 |
2.99 |
3.31 |
2.26 |
7.9 |
4.65 |
Source : Compiled from annual accounts of banks of respective years |
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
||||||||
OTHER SCHEDULED COMMERCIAL BANKS |
||||||||
As on March 31 |
||||||||
Centurion |
City Union |
Development |
Dhanalakshmi |
|||||
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. Cash-deposit ratio |
7.76 |
8.62 |
6.63 |
7.13 |
6.65 |
6.19 |
6.97 |
6.66 |
2. Credit-deposit ratio |
46.34 |
51.39 |
52.41 |
54.34 |
68.04 |
54.52 |
58.79 |
52.82 |
3. Investment-deposit ratio |
35.25 |
33.15 |
47.43 |
44.93 |
33.46 |
46.58 |
36.73 |
41.51 |
4. (Credit+Investment)-deposit ratio |
81.59 |
84.54 |
99.84 |
99.27 |
101.5 |
101.1 |
95.52 |
94.33 |
5. Ratio of deposits to total liabilities |
83.73 |
85.35 |
88.13 |
89.2 |
82.9 |
82.97 |
87.26 |
88.18 |
6. Ratio of term deposits to total deposits |
78.88 |
72.55 |
79.29 |
79.49 |
83.02 |
81.21 |
75.6 |
75.13 |
7. Ratio of priority sector advances to total advances |
23.71 |
28.83 |
38.92 |
38.49 |
31.8 |
35.07 |
25.05 |
27.19 |
8. Ratio of term loan to total advances |
65.75 |
76.35 |
29.17 |
29.12 |
53.4 |
70.91 |
35.03 |
34.37 |
9. Ratio of secured advances to total advances |
87.92 |
93.54 |
94.87 |
96.75 |
89.9 |
83.18 |
85.28 |
87.16 |
10. Ratio of investments in non-approved |
10.54 |
3.11 |
8.81 |
7.52 |
14.92 |
15.52 |
22.31 |
13.92 |
11. Ratio of interest income to total assets |
9.86 |
9.63 |
9.61 |
9.49 |
8.35 |
7.19 |
9.48 |
8.4 |
12. Ratio of net interest margin to total assets |
2.71 |
3.75 |
2.73 |
3.31 |
1.66 |
1.95 |
2.67 |
3.05 |
13. Ratio of non-interest income to total assets |
2.12 |
1.82 |
2.22 |
2.28 |
2.01 |
1.8 |
3.51 |
2.56 |
14. Ratio of intemediation cost to total assets |
4.25 |
5.22 |
1.64 |
1.54 |
2.29 |
2.65 |
3 |
2.66 |
15. Ratio of wage bills to intemediation cost |
15.49 |
17.3 |
58.91 |
55.53 |
43.05 |
42.59 |
65.7 |
63.31 |
16. Ratio of wage bills to total expense |
5.78 |
8.13 |
11.36 |
11.1 |
10.96 |
14.31 |
20.09 |
21.05 |
17. Ratio of wage bills to total income |
5.5 |
7.89 |
8.19 |
7.28 |
9.5 |
12.56 |
15.17 |
15.4 |
18. Ratio of burden to total assets |
2.13 |
3.4 |
-0.57 |
-0.74 |
0.27 |
0.85 |
-0.51 |
0.11 |
19. Ratio of burden to interest income |
21.64 |
35.3 |
-5.97 |
-7.8 |
3.27 |
11.82 |
-5.42 |
1.28 |
20. Ratio of operating profits to total assets |
0.58 |
0.35 |
3.31 |
4.05 |
1.39 |
1.1 |
3.18 |
2.94 |
21. Return on assets |
-0.7 |
-3.16 |
1.33 |
1.86 |
0.85 |
0.37 |
0.71 |
0.71 |
22. Return on equity |
-14.4 |
-57 |
21.74 |
31.03 |
12.1 |
6.47 |
12.9 |
13.74 |
23. Cost of deposits |
7.01 |
6.17 |
7.76 |
6.94 |
7.3 |
5.6 |
7.4 |
5.84 |
24. Cost of borrowings |
7.97 |
4.65 |
2.83 |
2.74 |
9.7 |
4.92 |
2.25 |
2.42 |
25. Cost of funds |
7.04 |
6.14 |
7.73 |
6.9 |
7.4 |
5.56 |
7.32 |
5.8 |
26. Return on advances |
14.43 |
14.11 |
11.63 |
11.46 |
8.88 |
8.53 |
10.81 |
10.32 |
27. Return on investments |
8.24 |
8.38 |
9.95 |
9.65 |
10.82 |
6.82 |
11.21 |
9.03 |
28. Return on advances adjusted to cost of funds |
7.39 |
7.97 |
3.89 |
4.56 |
1.48 |
2.97 |
3.49 |
4.52 |
29. Return on investments adjusted to cost of funds |
1.2 |
2.24 |
2.21 |
2.75 |
3.42 |
1.26 |
3.89 |
3.23 |
30. Business per employee (in Rs.lakh) |
403.3 |
392.8 |
230.1 |
286.8 |
463 |
480 |
222.1 |
248.63 |
31. Profit per employee (in Rs.lakh) |
2.29 |
1.09 |
2.37 |
4.09 |
2.6 |
1 |
1.15 |
1.32 |
32. Capital adequacy ratio |
3.02 |
7.49 |
13.95 |
13.36 |
10.08 |
14.26 |
10.45 |
13.56 |
33. Capital adequacy ratio - Tier I |
1.07 |
3.08 |
11.87 |
10.73 |
6.63 |
8.89 |
8.63 |
8.63 |
34. Capital adequacy ratio - Tier II |
1.95 |
4.41 |
2.08 |
2.63 |
3.45 |
5.37 |
1.82 |
4.93 |
35. Ratio of net NPA to net advances |
7.51 |
4.43 |
8.21 |
6.37 |
7.76 |
4.87 |
9.25 |
6.68 |
Source : Compiled from annual accounts of banks of respective years |