Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000 (Part 2 of 6) - आरबीआय - Reserve Bank of India
Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000
(Part 2 of 6)
NATIONALISED BANKS |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Allahabad Bank |
Andhra Bank |
Bank of Baroda |
Bank of India |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. |
Cash-deposit ratio |
13.52 |
11.18 |
12.54 |
11.81 |
8.26 |
6.83 |
8.19 |
6.76 |
2. |
Credit-deposit ratio |
45.03 |
46.71 |
43.34 |
38.66 |
47.28 |
47.54 |
54.75 |
52.85 |
3. |
Investment-deposit ratio |
46.17 |
46.60 |
47.43 |
52.89 |
35.65 |
36.17 |
34.40 |
34.91 |
4. |
(Credit + investment)-deposit ratio |
91.20 |
93.30 |
90.77 |
91.55 |
82.93 |
83.71 |
89.15 |
87.75 |
5. |
Ratio of deposits to total liabilities |
89.02 |
89.50 |
90.33 |
91.23 |
85.41 |
87.55 |
82.40 |
85.16 |
6. |
Ratio of term deposits to total deposits |
58.26 |
58.07 |
69.57 |
69.93 |
67.84 |
68.10 |
67.38 |
66.47 |
7. |
Ratio of priority sector advances to total advances |
33.77 |
39.33 |
38.91 |
38.32 |
28.72 |
27.02 |
25.78 |
26.13 |
8. |
Ratio of term-loans to total advances |
47.25 |
45.50 |
37.17 |
35.66 |
31.06 |
32.74 |
38.12 |
39.68 |
9. |
Ratio of secured advances to total advances |
91.67 |
89.59 |
88.92 |
90.61 |
91.79 |
95.29 |
82.32 |
86.25 |
10. |
Ratio of investments in non-approved securities to total investments |
17.35 |
15.53 |
25.47 |
14.08 |
25.94 |
28.56 |
22.95 |
22.77 |
11. |
Ratio of Interest income to total assets |
9.79 |
9.94 |
10.13 |
10.53 |
9.83 |
9.42 |
9.16 |
8.61 |
12. |
Ratio of net interest margin to total assets |
3.01 |
3.04 |
3.24 |
3.04 |
3.21 |
3.09 |
2.81 |
2.35 |
13. |
Ratio of non-interest income to total assets |
1.28 |
1.39 |
1.41 |
1.70 |
1.18 |
1.16 |
1.14 |
1.43 |
14. |
Ratio of intermediation cost to total assets |
2.86 |
2.89 |
3.14 |
2.62 |
2.46 |
2.35 |
2.55 |
2.54 |
15. |
Ratio of wage bills to intermediation cost |
69.95 |
68.49 |
73.35 |
72.78 |
70.03 |
68.78 |
72.24 |
71.55 |
16. |
Ratio of wage bills to total expenses |
20.76 |
20.20 |
22.98 |
18.86 |
18.97 |
18.64 |
20.72 |
20.65 |
17. |
Ratio of wage bills to total income |
18.07 |
17.46 |
19.98 |
15.59 |
15.65 |
15.29 |
17.89 |
18.09 |
18. |
Ratio of burden to total assets |
1.58 |
1.50 |
1.73 |
0.92 |
1.28 |
1.19 |
1.41 |
1.11 |
19. |
Ratio of burden to interest income |
16.12 |
15.10 |
17.08 |
8.76 |
13.03 |
12.68 |
15.36 |
12.90 |
20. |
Ratio of operating profits to total assets |
1.43 |
1.54 |
1.51 |
2.12 |
1.93 |
1.90 |
1.41 |
1.24 |
21. |
Return on assets |
0.77 |
0.35 |
0.78 |
0.76 |
0.81 |
0.85 |
0.40 |
0.31 |
22. |
Return on equity |
16.87 |
7.97 |
15.57 |
22.45 |
15.15 |
16.40 |
8.52 |
7.03 |
23. |
Cost of deposits |
7.49 |
7.61 |
7.49 |
7.87 |
7.35 |
6.78 |
6.92 |
6.64 |
24. |
Cost of borrowings |
0.56 |
1.32 |
16.01 |
18.51 |
14.45 |
18.97 |
12.36 |
12.79 |
25. |
Cost of funds |
7.45 |
7.59 |
7.66 |
8.00 |
7.43 |
6.89 |
7.20 |
6.95 |
26. |
Return on advances |
11.96 |
11.62 |
12.15 |
12.76 |
11.67 |
11.39 |
11.34 |
11.10 |
27. |
Return on investments |
11.38 |
11.72 |
11.76 |
11.84 |
11.92 |
11.57 |
10.69 |
10.47 |
28. |
Return on advances adjusted to cost of funds |
4.50 |
4.03 |
4.50 |
4.76 |
4.23 |
4.51 |
4.13 |
4.15 |
29. |
Return on investments adjusted to cost of funds |
3.93 |
4.14 |
4.10 |
3.84 |
4.48 |
4.68 |
3.48 |
3.52 |
30. |
Business per employee (in Rs. lakh) |
90.00 |
105.00 |
81.14 |
111.71 |
134.75 |
142.82 |
131.00 |
135.65 |
31. |
Profit per employee (in Rs. lakh) |
0.60 |
0.31 |
0.61 |
0.82 |
0.91 |
1.07 |
0.38 |
0.33 |
32. |
Capital adequacy ratio |
10.38 |
11.51 |
11.02 |
13.36 |
13.30 |
12.10 |
10.55 |
10.57 |
33. |
Capital adequacy ratio - Tier I |
6.57 |
7.10 |
10.44 |
10.01 |
9.05 |
8.86 |
7.05 |
6.91 |
34. |
Capital adequacy ratio - Tier II |
3.81 |
4.41 |
0.58 |
3.35 |
4.25 |
3.24 |
3.50 |
3.66 |
35. |
Ratio of net NPA to net advances |
12.54 |
12.24 |
4.26 |
3.47 |
7.70 |
5.94 |
7.28 |
7.55 |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Bank of |
Canara |
Central Bank |
Corporation |
||||||
Maharashtra |
Bank |
of India |
Bank |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. |
Cash-deposit ratio |
14.29 |
9.48 |
9.76 |
8.00 |
10.51 |
10.06 |
9.68 |
8.14 |
2. |
Credit-deposit ratio |
37.17 |
39.18 |
46.55 |
49.05 |
41.76 |
44.06 |
49.88 |
54.47 |
3. |
Investment-deposit ratio |
52.03 |
55.79 |
41.37 |
41.71 |
49.80 |
47.63 |
43.73 |
41.75 |
4. |
(Credit + investment)-deposit ratio |
89.20 |
94.97 |
87.91 |
90.77 |
91.56 |
91.69 |
93.62 |
96.22 |
5. |
Ratio of deposits to total liabilities |
89.69 |
88.05 |
87.20 |
88.23 |
86.75 |
86.49 |
84.10 |
85.19 |
6. |
Ratio of term deposits to total deposits |
58.15 |
61.65 |
63.20 |
62.01 |
58.39 |
58.45 |
74.23 |
72.91 |
7. |
Ratio of priority sector advances to total advances |
41.73 |
35.19 |
32.11 |
28.91 |
32.44 |
36.79 |
29.80 |
29.02 |
8. |
Ratio of term-loans to total advances |
36.55 |
40.25 |
29.58 |
33.49 |
35.73 |
38.79 |
47.04 |
54.88 |
9. |
Ratio of secured advances to total advances |
92.67 |
92.90 |
89.23 |
86.72 |
93.71 |
91.59 |
83.14 |
85.53 |
10. |
Ratio of investments in non-approved securities to total investments |
19.44 |
18.67 |
32.75 |
33.00 |
17.21 |
21.96 |
40.48 |
32.57 |
11. |
Ratio of Interest income to total assets |
9.93 |
10.71 |
10.28 |
9.46 |
9.97 |
9.04 |
10.35 |
10.11 |
12. |
Ratio of net interest margin to total assets |
3.51 |
3.41 |
3.42 |
2.80 |
3.19 |
1.77 |
2.89 |
2.89 |
13. |
Ratio of non-interest income to total assets |
0.94 |
1.35 |
1.38 |
1.63 |
1.06 |
0.69 |
1.52 |
1.71 |
14. |
Ratio of intermediation cost to total assets |
3.27 |
3.06 |
2.70 |
2.63 |
3.34 |
1.97 |
2.07 |
1.92 |
15. |
Ratio of wage bills to intermediation cost |
80.89 |
77.33 |
71.46 |
70.46 |
75.64 |
76.35 |
60.94 |
58.31 |
16. |
Ratio of wage bills to total expenses |
27.28 |
22.87 |
20.17 |
19.96 |
24.94 |
22.36 |
13.21 |
12.22 |
17. |
Ratio of wage bills to total income |
24.31 |
19.67 |
16.54 |
16.72 |
22.89 |
20.84 |
10.61 |
9.45 |
18. |
Ratio of burden to total assets |
2.32 |
1.72 |
1.32 |
1.00 |
2.28 |
1.28 |
0.55 |
0.21 |
19. |
Ratio of burden to interest income |
23.41 |
16.05 |
12.85 |
10.60 |
22.85 |
19.57 |
5.32 |
2.07 |
20. |
Ratio of operating profits to total assets |
1.18 |
1.69 |
2.10 |
1.80 |
0.91 |
0.49 |
2.34 |
2.68 |
21. |
Return on assets |
0.43 |
0.59 |
0.47 |
0.43 |
0.43 |
0.38 |
1.43 |
1.54 |
22. |
Return on equity |
7.77 |
17.63 |
9.55 |
9.43 |
5.59 |
1.56 |
21.06 |
21.94 |
23. |
Cost of deposits |
7.10 |
7.85 |
7.48 |
7.19 |
7.74 |
5.32 |
8.76 |
8.30 |
24. |
Cost of borrowings |
2.68 |
4.61 |
1.39 |
1.37 |
6.28 |
8.54 |
4.11 |
6.91 |
25. |
Cost of funds |
7.04 |
7.78 |
7.34 |
7.02 |
7.73 |
5.35 |
8.70 |
8.28 |
26. |
Return on advances |
12.50 |
12.65 |
12.59 |
11.55 |
12.81 |
8.40 |
11.49 |
11.46 |
27. |
Return on investments |
11.61 |
12.52 |
12.57 |
10.92 |
11.81 |
6.52 |
13.13 |
12.01 |
28. |
Return on advances adjusted to cost of funds |
5.46 |
4.88 |
5.25 |
4.53 |
5.08 |
3.05 |
2.79 |
3.19 |
29. |
Return on investments adjusted to cost of funds |
4.57 |
4.74 |
5.23 |
3.90 |
4.08 |
1.17 |
4.43 |
3.74 |
30. |
Business per employee (in Rs. lakh) |
90.62 |
114.84 |
116.88 |
135.20 |
79.55 |
93.30 |
185.02 |
207.68 |
31. |
Profit per employee (in Rs. lakh) |
0.32 |
0.56 |
0.43 |
0.45 |
0.30 |
0.31 |
1.89 |
2.20 |
32. |
Capital adequacy ratio |
9.76 |
11.66 |
10.96 |
9.64 |
11.88 |
11.18 |
13.20 |
12.80 |
33. |
Capital adequacy ratio - Tier I |
7.89 |
7.41 |
8.57 |
7.77 |
7.21 |
6.65 |
12.80 |
12.70 |
34. |
Capital adequacy ratio - Tier II |
1.87 |
4.25 |
2.39 |
1.87 |
4.67 |
4.53 |
0.40 |
0.10 |
35. |
Ratio of net NPA to net advances |
8.72 |
6.97 |
7.09 |
5.20 |
9.79 |
9.84 |
1.98 |
1.92 |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Dena |
Indian |
Indian Overseas |
Oriental Bank of |
||||||
Bank |
Bank |
Bank |
Commerce |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
1. |
Cash-deposit ratio |
11.14 |
9.42 |
10.12 |
8.03 |
13.08 |
12.01 |
12.03 |
10.30 |
2. |
Credit-deposit ratio |
54.22 |
53.57 |
43.70 |
42.92 |
46.17 |
47.59 |
45.87 |
42.21 |
3. |
Investment-deposit ratio |
47.87 |
52.05 |
45.05 |
44.71 |
37.95 |
42.15 |
46.65 |
52.32 |
4. |
(Credit + investment)-deposit ratio |
102.09 |
105.62 |
88.74 |
87.63 |
84.12 |
89.74 |
92.51 |
94.52 |
5. |
Ratio of deposits to total liabilities |
79.46 |
78.85 |
79.99 |
81.24 |
89.58 |
88.04 |
89.46 |
90.03 |
6. |
Ratio of term deposits to total deposits |
64.99 |
62.75 |
68.02 |
70.24 |
67.32 |
67.84 |
73.12 |
74.92 |
7. |
Ratio of priority sector advances to total advances |
41.74 |
40.11 |
23.76 |
24.86 |
29.17 |
29.63 |
39.71 |
39.70 |
8. |
Ratio of term-loans to total advances |
37.56 |
35.34 |
17.78 |
18.78 |
21.06 |
22.88 |
30.09 |
33.21 |
9. |
Ratio of secured advances to total advances |
97.42 |
97.40 |
91.43 |
93.01 |
93.57 |
94.14 |
98.08 |
95.98 |
10. |
Ratio of investments in non-approved securities to total investments |
28.90 |
33.36 |
11.66 |
15.33 |
15.17 |
12.93 |
41.73 |
39.14 |
11. |
Ratio of Interest income to total assets |
11.01 |
10.02 |
7.95 |
8.44 |
10.02 |
12.73 |
11.16 |
11.35 |
12. |
Ratio of net interest margin to total assets |
3.25 |
2.64 |
0.96 |
1.69 |
2.47 |
3.68 |
3.47 |
3.29 |
13. |
Ratio of non-interest income to total assets |
1.13 |
1.34 |
0.97 |
1.22 |
1.09 |
1.15 |
1.03 |
1.02 |
14. |
Ratio of intermediation cost to total assets |
2.79 |
2.60 |
2.73 |
2.81 |
2.94 |
3.32 |
2.21 |
1.98 |
15. |
Ratio of wage bills to intermediation cost |
72.96 |
71.23 |
76.33 |
78.16 |
75.50 |
70.77 |
58.49 |
54.03 |
16. |
Ratio of wage bills to total expenses |
19.27 |
18.54 |
21.48 |
22.95 |
21.13 |
18.99 |
13.06 |
10.65 |
17. |
Ratio of wage bills to total income |
16.74 |
16.29 |
23.40 |
22.70 |
19.95 |
16.93 |
10.59 |
8.64 |
18. |
Ratio of burden to total assets |
1.66 |
1.26 |
1.76 |
1.58 |
1.84 |
2.17 |
1.17 |
0.95 |
19. |
Ratio of burden to interest income |
15.04 |
12.58 |
22.18 |
18.76 |
18.39 |
17.06 |
10.52 |
8.42 |
20. |
Ratio of operating profits to total assets |
1.59 |
1.38 |
-0.80 |
0.11 |
0.62 |
1.50 |
2.30 |
2.34 |
21. |
Return on assets |
0.75 |
0.38 |
|
|
0.23 |
0.15 |
1.20 |
1.10 |
22. |
Return on equity |
17.72 |
8.26 |
-27.31 |
-14.74 |
7.97 |
13.79 |
19.89 |
20.95 |
23. |
Cost of deposits |
8.75 |
8.32 |
8.33 |
8.04 |
8.12 |
9.94 |
8.51 |
8.83 |
24. |
Cost of borrowings |
2.70 |
4.29 |
10.29 |
11.77 |
13.02 |
6.44 |
10.07 |
4.73 |
25. |
Cost of funds |
8.55 |
8.11 |
8.36 |
8.11 |
8.21 |
9.88 |
8.52 |
8.77 |
26. |
Return on advances |
13.84 |
12.32 |
10.87 |
11.84 |
11.82 |
14.99 |
13.30 |
11.87 |
27. |
Return on investments |
12.51 |
11.39 |
10.55 |
11.41 |
11.81 |
15.73 |
12.28 |
14.09 |
28. |
Return on advances adjusted to cost of funds |
5.29 |
4.21 |
2.50 |
3.74 |
3.61 |
5.10 |
4.79 |
3.10 |
29. |
Return on investments adjusted to cost of funds |
3.96 |
3.28 |
2.19 |
3.30 |
3.60 |
5.85 |
3.76 |
5.32 |
30. |
Business per employee (in Rs. lakh) |
126.00 |
145.00 |
97.87 |
110.00 |
103.78 |
116.87 |
169.70 |
218.20 |
31. |
Profit per employee (in Rs. lakh) |
0.76 |
0.45 |
|
|
0.20 |
0.14 |
1.60 |
1.90 |
32. |
Capital adequacy ratio |
11.14 |
11.63 |
Neg. |
Neg. |
10.15 |
9.15 |
14.10 |
12.72 |
33. |
Capital adequacy ratio - Tier I |
6.91 |
7.07 |
Neg. |
Neg. |
5.53 |
5.16 |
14.05 |
12.54 |
34. |
Capital adequacy ratio - Tier II |
4.23 |
4.56 |
|
|
4.62 |
3.99 |
0.05 |
0.18 |
35. |
Ratio of net NPA to net advances |
7.67 |
13.47 |
21.67 |
16.80 |
7.30 |
7.65 |
4.5 |
3.8 |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Punjab & Sind |
Punjab National |
Syndicate |
Union Bank of |
||||||
Bank |
Bank |
Bank |
India |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
1. |
Cash-deposit ratio |
10.91 |
11.08 |
12.30 |
11.54 |
10.97 |
11.80 |
12.83 |
10.01 |
2. |
Credit-deposit ratio |
43.17 |
45.14 |
46.71 |
47.54 |
46.76 |
51.60 |
40.19 |
46.98 |
3. |
Investment-deposit ratio |
45.00 |
45.56 |
45.55 |
46.54 |
39.80 |
41.56 |
43.15 |
36.90 |
4. |
(Credit + investment)-deposit ratio |
88.17 |
90.70 |
92.26 |
94.08 |
86.56 |
93.16 |
83.34 |
83.88 |
5. |
Ratio of deposits to total liabilities |
89.46 |
88.71 |
88.03 |
87.72 |
90.96 |
87.09 |
90.09 |
88.91 |
6. |
Ratio of term deposits to total deposits |
69.55 |
68.79 |
54.57 |
55.12 |
64.99 |
65.54 |
65.26 |
60.59 |
7. |
Ratio of priority sector advances to total advances |
35.15 |
40.30 |
34.62 |
36.87 |
30.18 |
25.66 |
37.60 |
32.74 |
8. |
Ratio of term-loans to total advances |
40.83 |
42.65 |
35.35 |
35.37 |
61.43 |
64.29 |
31.80 |
30.07 |
9. |
Ratio of secured advances to total advances |
90.92 |
93.77 |
98.67 |
97.33 |
72.03 |
63.14 |
96.93 |
97.63 |
10. |
Ratio of investments in non-approved securities to total investments |
25.37 |
25.46 |
18.37 |
15.28 |
22.90 |
17.36 |
21.25 |
20.52 |
11. |
Ratio of Interest income to total assets |
10.05 |
10.04 |
10.33 |
10.26 |
10.09 |
9.94 |
10.07 |
11.32 |
12. |
Ratio of net interest margin to total assets |
2.57 |
2.48 |
3.84 |
3.22 |
3.20 |
3.36 |
2.92 |
3.70 |
13. |
Ratio of non-interest income to total assets |
1.14 |
1.37 |
1.27 |
1.45 |
1.31 |
1.25 |
0.92 |
1.32 |
14. |
Ratio of intermediation cost to total assets |
2.78 |
2.98 |
3.20 |
3.03 |
3.61 |
3.47 |
2.75 |
3.75 |
15. |
Ratio of wage bills to intermediation cost |
69.27 |
72.10 |
77.68 |
77.68 |
78.96 |
78.62 |
65.56 |
79.76 |
16. |
Ratio of wage bills to total expenses |
18.78 |
20.40 |
25.63 |
23.38 |
27.14 |
27.16 |
18.22 |
26.33 |
17. |
Ratio of wage bills to total income |
17.22 |
18.84 |
21.41 |
20.12 |
25.00 |
24.39 |
16.42 |
23.67 |
18. |
Ratio of burden to total assets |
1.64 |
1.61 |
1.93 |
1.59 |
2.30 |
2.22 |
1.83 |
2.43 |
19. |
Ratio of burden to interest income |
16.32 |
16.03 |
18.69 |
15.45 |
22.78 |
22.35 |
18.18 |
21.47 |
20. |
Ratio of operating profits to total assets |
0.93 |
0.87 |
1.91 |
1.63 |
0.90 |
1.14 |
1.09 |
1.27 |
21. |
Return on assets |
0.53 |
0.52 |
0.80 |
0.75 |
0.71 |
0.89 |
0.51 |
0.29 |
22. |
Return on equity |
10.40 |
15.45 |
20.77 |
19.42 |
12.90 |
24.69 |
9.83 |
8.79 |
23. |
Cost of deposits |
8.28 |
8.11 |
7.05 |
7.63 |
7.63 |
7.23 |
7.91 |
8.28 |
24. |
Cost of borrowings |
3.81 |
2.64 |
5.25 |
6.76 |
4.09 |
2.03 |
15.13 |
6.91 |
25. |
Cost of funds |
8.21 |
7.99 |
7.04 |
7.62 |
7.61 |
7.20 |
7.93 |
8.27 |
26. |
Return on advances |
13.00 |
11.86 |
12.44 |
12.08 |
13.38 |
12.31 |
12.54 |
13.76 |
27. |
Return on investments |
11.41 |
11.98 |
11.46 |
11.89 |
11.64 |
11.85 |
11.91 |
15.74 |
28. |
Return on advances adjusted to cost of funds |
4.79 |
3.87 |
5.40 |
4.46 |
5.77 |
5.10 |
4.61 |
5.48 |
29. |
Return on investments adjusted to cost of funds |
3.20 |
4.00 |
4.42 |
4.26 |
4.03 |
4.65 |
3.98 |
7.46 |
30. |
Business per employee (in Rs. lakh) |
111.49 |
124.96 |
89.58 |
106.48 |
88.83 |
111.36 |
112.94 |
135.44 |
31. |
Profit per employee (in Rs. lakh) |
0.46 |
0.51 |
0.57 |
0.63 |
0.42 |
0.66 |
0.52 |
0.33 |
32. |
Capital adequacy ratio |
10.94 |
11.57 |
10.79 |
10.31 |
9.57 |
11.45 |
10.09 |
11.42 |
33. |
Capital adequacy ratio - Tier I |
7.73 |
7.51 |
6.42 |
6.73 |
5.49 |
7.21 |
7.87 |
6.66 |
34. |
Capital adequacy ratio - Tier II |
3.21 |
4.06 |
4.37 |
3.58 |
4.08 |
4.24 |
2.22 |
4.76 |
35. |
Ratio of net NPA to net advances |
10.48 |
9.39 |
8.96 |
8.52 |
3.93 |
3.17 |
8.70 |
7.97 |
|
|
|
|
|
|
(per cent) |
|
Year ended March 31 |
|||||||
United Bank of |
UCO |
Vijaya |
|||||
India |
Bank |
Bank |
|||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
||
|
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
1. |
Cash-deposit ratio |
11.63 |
12.06 |
10.42 |
8.09 |
11.90 |
10.67 |
2. |
Credit-deposit ratio |
26.48 |
27.18 |
38.29 |
41.56 |
38.88 |
40.44 |
3. |
Investment-deposit ratio |
61.25 |
60.50 |
53.77 |
54.11 |
45.83 |
43.90 |
4. |
(Credit + investment)-deposit ratio |
87.73 |
87.68 |
92.06 |
95.67 |
84.71 |
84.33 |
5. |
Ratio of deposits to total liabilities |
84.32 |
86.06 |
78.31 |
77.93 |
87.33 |
90.63 |
6. |
Ratio of term deposits to total deposits |
63.16 |
63.55 |
60.55 |
59.92 |
62.32 |
63.56 |
7. |
Ratio of priority sector advances to total advances |
33.34 |
23.48 |
29.24 |
28.74 |
40.43 |
39.77 |
8. |
Ratio of term-loans to total advances |
41.47 |
46.67 |
35.81 |
36.46 |
52.07 |
40.77 |
9. |
Ratio of secured advances to total advances |
98.75 |
99.41 |
81.95 |
78.22 |
94.08 |
89.11 |
10. |
Ratio of investments in non-approved securities to total investments |
20.92 |
22.85 |
29.19 |
29.78 |
30.87 |
30.38 |
11. |
Ratio of Interest income to total assets |
9.19 |
9.24 |
8.61 |
8.93 |
9.74 |
10.03 |
12. |
Ratio of net interest margin to total assets |
2.18 |
2.24 |
2.27 |
2.49 |
3.09 |
3.25 |
13. |
Ratio of non-interest income to total assets |
0.73 |
0.76 |
0.95 |
1.12 |
1.06 |
0.98 |
14. |
Ratio of intermediation cost to total assets |
2.61 |
2.54 |
3.03 |
2.82 |
3.02 |
3.18 |
15. |
Ratio of wage bills to intermediation cost |
82.57 |
83.00 |
81.29 |
81.04 |
71.03 |
71.84 |
16. |
Ratio of wage bills to total expenses |
22.41 |
22.06 |
26.28 |
24.70 |
22.19 |
22.93 |
17. |
Ratio of wage bills to total income |
21.74 |
21.05 |
25.74 |
22.74 |
19.87 |
20.74 |
18. |
Ratio of burden to total assets |
1.89 |
1.78 |
2.07 |
1.70 |
1.96 |
2.20 |
19. |
Ratio of burden to interest income |
20.52 |
19.22 |
24.11 |
19.00 |
20.11 |
21.94 |
20. |
Ratio of operating profits to total assets |
0.29 |
0.46 |
0.20 |
0.80 |
1.13 |
1.05 |
21. |
Return on assets |
0.09 |
0.17 |
-0.36 |
0.18 |
0.28 |
0.38 |
22. |
Return on equity |
0.76 |
1.59 |
-2.66 |
1.39 |
4.24 |
9.18 |
23. |
Cost of deposits |
8.25 |
8.11 |
7.69 |
7.80 |
7.45 |
7.31 |
24. |
Cost of borrowings |
4.45 |
7.25 |
12.60 |
12.02 |
2.17 |
3.68 |
25. |
Cost of funds |
8.22 |
8.10 |
7.78 |
7.90 |
7.37 |
7.28 |
26. |
Return on advances |
11.52 |
11.38 |
11.00 |
11.02 |
13.62 |
13.18 |
27. |
Return on investments |
11.91 |
12.19 |
11.17 |
11.54 |
11.46 |
12.28 |
28. |
Return on advances adjusted to cost of funds |
3.30 |
3.28 |
3.22 |
3.12 |
6.25 |
5.90 |
29. |
Return on investments adjusted to cost of funds |
3.69 |
4.09 |
3.40 |
3.63 |
4.09 |
5.01 |
30. |
Business per employee (in Rs. lakh) |
81.46 |
100.28 |
73.00 |
89.00 |
89.86 |
105.49 |
31. |
Profit per employee (in Rs. lakh) |
0.07 |
0.15 |
-0.20 |
0.12 |
0.22 |
0.36 |
32. |
Capital adequacy ratio |
9.60 |
9.60 |
9.63 |
9.15 |
10.00 |
10.61 |
33. |
Capital adequacy ratio - Tier I |
8.10 |
8.20 |
7.22 |
6.59 |
5.70 |
6.01 |
34. |
Capital adequacy ratio - Tier II |
1.50 |
1.40 |
2.41 |
2.56 |
4.30 |
4.60 |
35. |
Ratio of net NPA to net advances |
14.70 |
12.70 |
10.83 |
8.75 |
6.72 |
6.65 |
Source : Compiled from annual accounts of banks of respective years. |