OTHER SCHEDULED COMMERCIAL BANKS

(per cent)

Year ended March 31

Bank of

Bank of

Bank of

Benares State

Madura

Punjab

Rajasthan

Bank

Ratio

1999

2000

1999

2000

1999

2000

1999

2000

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1.

Cash-deposit ratio

11.65

12.56

11.06

9.97

11.49

11.00

11.06

14.85

2.

Credit-deposit ratio

46.26

45.87

47.69

49.91

49.83

53.31

26.24

25.67

3.

Investment-deposit ratio

37.59

47.17

46.58

49.75

36.52

38.41

50.88

54.16

4.

(Credit + investment)-deposit ratio

83.85

93.04

94.27

99.65

86.35

91.72

77.12

79.84

5.

Ratio of deposits to total liabilities

83.04

81.71

83.39

81.62

81.31

78.53

89.67

89.94

6.

Ratio of term deposits to total deposits

66.09

64.04

70.62

68.25

61.29

59.48

68.10

68.23

7.

Ratio of priority sector advances to total advances

26.60

28.93

17.17

26.79

35.73

29.25

49.54

36.71

8.

Ratio of term-loans to total advances

35.00

39.64

32.91

38.24

34.20

31.49

21.99

25.72

9.

Ratio of secured advances to total advances

88.07

67.06

94.57

71.69

92.39

92.91

99.92

99.29

10.

Ratio of investments in non-approved securities to total investments

37.03

28.07

43.78

28.79

13.92

17.41

42.51

54.95

11.

Ratio of Interest income to total assets

9.21

9.17

10.17

9.89

9.89

10.25

9.68

9.89

12.

Ratio of net interest margin to total assets

1.94

2.58

2.25

2.77

1.82

2.40

1.57

1.35

13.

Ratio of non-interest income to total assets

2.81

2.45

2.33

1.74

1.23

1.37

1.10

1.78

14.

Ratio of intermediation cost to total assets

3.01

2.66

2.30

2.49

3.37

3.30

3.68

3.07

15.

Ratio of wage bills to intermediation cost

45.82

58.45

16.97

11.74

68.52

70.34

70.44

69.61

16.

Ratio of wage bills to total expenses

13.42

16.81

3.82

3.04

20.18

20.81

21.99

18.38

17.

Ratio of wage bills to total income

11.48

13.39

3.13

2.51

20.75

19.97

24.05

18.29

18.

Ratio of burden to total assets

0.20

0.21

-0.03

0.75

2.14

1.93

2.58

1.29

19.

Ratio of burden to interest income

2.21

2.34

-0.27

7.55

21.61

18.82

26.68

13.04

20.

Ratio of operating profits to total assets

1.74

2.37

2.27

2.03

-0.32

0.47

-1.01

0.06

21.

Return on assets

0.83

1.12

1.53

1.04

-1.90

0.30

2.86

0.57

22.

Return on equity

15.09

19.86

22.62

20.80

-35.75

5.45

-30.87

-8.19

23.

Cost of deposits

8.16

7.27

9.14

8.02

9.70

9.74

9.08

9.47

24.

Cost of borrowings

4.61

3.69

12.25

9.40

10.84

9.97

10.16

10.40

25.

Cost of funds

7.90

7.07

9.21

8.11

9.72

9.75

9.08

9.48

26.

Return on advances

11.03

12.10

12.07

11.62

12.29

12.71

12.02

11.25

27.

Return on investments

11.92

10.27

12.97

12.37

11.99

12.81

13.49

14.64

28.

Return on advances adjusted to cost of funds

3.13

5.03

2.86

3.51

2.57

2.97

2.93

1.77

29.

Return on investments adjusted to cost of funds

4.02

3.20

3.76

4.26

2.27

3.07

4.40

5.16

30.

Business per employee (in Rs. lakh)

171.00

202.00

379.57

712.05

99.00

111.37

71.79

86.03

31.

Profit per employee (in Rs. lakh)

1.71

1.73

6.14

6.03

-1.54

0.28

1.43

0.40

32.

Capital adequacy ratio

14.25

15.83

14.64

9.81

0.83

5.73

Neg.

Neg.

33.

Capital adequacy ratio - Tier I

13.00

14.72

14.64

9.81

0.42

5.10

Neg.

Neg.

34.

Capital adequacy ratio - Tier II

1.25

1.11

—

—

0.41

0.63

Neg.

Neg.

35.

Ratio of net NPA to net advances

5.70

4.70

3.66

2.32

9.50

9.65

29.71

24.70

(per cent)

Year ended March 31

Bharat Overseas

Catholic Syrian

Centurion

City Union

Bank

Bank

Bank

Bank

Ratio

1999

2000

1999

2000

1999

2000

1999

2000

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1.

Cash-deposit ratio

7.31

5.77

8.52

7.44

5.91

8.60

11.91

10.01

2.

Credit-deposit ratio

49.56

48.82

44.41

43.16

63.08

47.58

54.32

57.40

3.

Investment-deposit ratio

31.79

32.40

37.73

40.47

44.34

56.88

38.74

39.61

4.

(Credit + investment)-deposit ratio

81.35

81.22

82.14

83.63

107.42

104.46

93.05

97.00

5.

Ratio of deposits to total liabilities

84.58

87.14

92.16

91.30

68.96

74.02

86.71

86.93

6.

Ratio of term deposits to total deposits

79.23

77.15

76.69

74.77

87.58

88.46

80.33

75.99

7.

Ratio of priority sector advances to total advances

26.89

25.26

31.63

28.89

8.36

5.05

35.39

33.91

8.

Ratio of term-loans to total advances

17.41

21.81

41.32

40.17

45.16

49.90

24.91

22.95

9.

Ratio of secured advances to total advances

85.37

85.34

92.88

94.03

95.67

83.95

95.26

96.09

10.

Ratio of investments in non-approved securities to total investments

12.75

14.23

24.13

24.05

50.22

48.58

18.97

22.31

11.

Ratio of Interest income to total assets

10.29

8.90

11.71

11.31

16.83

10.63

11.70

11.89

12.

Ratio of net interest margin to total assets

2.23

2.22

2.10

2.52

4.20

1.93

2.06

3.16

13.

Ratio of non-interest income to total assets

1.31

1.27

1.12

1.68

1.90

2.13

2.16

2.24

14.

Ratio of intermediation cost to total assets

2.33

2.19

2.98

3.18

4.76

2.50

2.28

2.08

15.

Ratio of wage bills to intermediation cost

50.22

49.82

68.80

73.97

9.10

10.49

56.98

64.19

16.

Ratio of wage bills to total expenses

11.25

12.30

16.30

19.66

2.49

2.34

10.88

12.34

17.

Ratio of wage bills to total income

10.08

10.73

16.00

18.12

2.32

2.05

9.36

9.44

18.

Ratio of burden to total assets

1.02

0.92

1.87

1.50

2.87

0.37

0.12

-0.16

19.

Ratio of burden to interest income

9.90

10.34

15.92

13.25

17.03

3.44

1.03

-1.35

20.

Ratio of operating profits to total assets

1.21

1.30

0.23

1.02

1.34

1.56

1.94

3.32

21.

Return on assets

0.74

0.07

0.02

0.25

0.92

0.82

0.88

1.28

22.

Return on equity

15.31

1.23

0.88

12.24

14.04

17.86

15.94

20.60

23.

Cost of deposits

9.07

7.48

10.16

9.19

11.76

9.12

10.61

9.77

24.

Cost of borrowings

6.16

4.94

1.00

3.78

15.42

5.68

4.25

5.88

25.

Cost of funds

8.94

7.39

9.91

9.04

12.40

8.45

10.44

9.66

26.

Return on advances

12.99

11.04

14.84

14.24

19.30

13.52

15.19

14.87

27.

Return on investments

11.87

10.98

13.11

13.33

14.30

10.69

10.33

12.76

28.

Return on advances adjusted to cost of funds

4.05

3.65

4.93

5.20

6.90

5.07

4.75

5.21

29.

Return on investments adjusted to cost of funds

2.93

3.59

3.20

4.29

1.91

2.24

-0.12

3.10

30.

Business per employee (in Rs. lakh)

188.00

205.00

94.00

107.00

553.62

688.73

138.89

155.94

31.

Profit per employee (in Rs. lakh)

1.08

0.10

0.01

0.21

4.81

9.14

0.90

1.48

32.

Capital adequacy ratio

13.70

12.68

6.06

5.94

8.45

15.62

14.30

13.33

33.

Capital adequacy ratio - Tier I

12.97

12.29

3.56

3.89

8.45

6.31

14.24

13.05

34.

Capital adequacy ratio - Tier II

0.73

0.39

2.50

2.05

—

9.31

0.06

0.28

35.

Ratio of net NPA to net advances

4.13

6.39

14.88

12.41

3.73

2.70

7.96

7.26

(per cent)

Year ended March 31

Development

Dhanalakshmi

Federal

Ganesh Bank of

Credit Bank

Bank

Bank

Kurundwad

Ratio

1999

2000

1999

2000

1999

2000

1999

2000

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

1.

Cash-deposit ratio

10.99

6.55

13.49

9.44

6.57

6.04

12.16

12.54

2.

Credit-deposit ratio

54.23

59.21

48.97

55.42

62.34

62.44

58.60

56.56

3.

Investment-deposit ratio

45.78

41.58

34.57

40.25

38.36

41.25

23.11

24.67

4.

(Credit + investment)-deposit ratio

100.01

100.79

83.54

95.67

100.70

103.69

81.70

81.23

5.

Ratio of deposits to total liabilities

79.82

83.16

89.51

87.87

83.99

85.02

90.94

92.32

6.

Ratio of term deposits to total deposits

81.73

83.11

82.66

79.21

81.15

77.76

77.53

76.13

7.

Ratio of priority sector advances to total advances

33.86

34.67

28.78

30.86

29.04

35.43

46.21

49.40

8.

Ratio of term-loans to total advances

37.61

35.85

33.96

31.01

23.63

30.19

64.04

64.83

9.

Ratio of secured advances to total advances

85.24

74.54

92.82

91.30

89.22

96.82

100.00

96.55

10.

Ratio of investments in non-approved securities to total investments

31.17

28.04

33.08

25.57

30.57

30.90

4.23

3.97

11.

Ratio of Interest income to total assets

10.63

9.26

10.99

10.97

11.17

11.25

11.97

11.97

12.

Ratio of net interest margin to total assets

2.59

1.99

2.30

2.87

1.14

2.30

2.24

2.62

13.

Ratio of non-interest income to total assets

1.53

2.36

1.04

1.66

1.47

1.69

0.96

0.66

14.

Ratio of intermediation cost to total assets

2.68

2.13

2.31

2.31

1.97

2.26

2.62

2.40

15.

Ratio of wage bills to intermediation cost

42.91

43.25

64.02

65.45

61.16

66.68

58.33

59.43

16.

Ratio of wage bills to total expenses

10.72

9.80

13.46

14.52

10.04

13.44

12.36

12.13

17.

Ratio of wage bills to total income

9.45

7.93

12.31

11.96

9.53

11.65

11.81

11.28

18.

Ratio of burden to total assets

1.15

-0.23

1.28

0.65

0.50

0.57

1.66

1.74

19.

Ratio of burden to interest income

10.78

-2.48

11.61

5.90

4.48

5.09

13.85

14.54

20.

Ratio of operating profits to total assets

1.44

2.22

1.03

2.02

0.64

1.73

0.58

0.88

21.

Return on assets

1.13

1.18

0.28

0.71

0.04

0.62

11.90

11.55

22.

Return on equity

9.65

12.11

5.93

16.08

0.73

13.55

1.92

3.49

23.

Cost of deposits

9.46

8.13

9.49

8.98

11.23

9.49

10.22

9.87

24.

Cost of borrowings

5.11

7.81

0.87

2.42

1.63

3.17

22.57

25.88

25.

Cost of funds

9.17

8.11

9.31

8.82

10.74

9.10

10.56

10.07

26.

Return on advances

12.81

11.48

14.26

13.56

12.39

12.80

16.61

16.18

27.

Return on investments

13.13

10.18

12.82

12.23

13.05

12.09

12.44

13.26

28.

Return on advances adjusted to cost of funds

3.65

3.37

4.95

4.74

1.65

3.70

6.06

6.11

29.

Return on investments adjusted to cost of funds

3.97

2.07

3.51

3.41

2.31

2.98

1.88

3.20

30.

Business per employee (in Rs. lakh)

227.82

344.00

131.17

153.66

153.00

161.00

81.76

94.77

31.

Profit per employee (in Rs. lakh)

1.67

2.26

0.28

0.82

0.04

0.72

0.04

0.09

32.

Capital adequacy ratio

16.90

11.34

10.06

10.02

10.32

11.33

8.26

9.14

33.

Capital adequacy ratio - Tier I

16.01

10.83

8.50

7.66

6.48

7.72

4.11

4.66

34.

Capital adequacy ratio - Tier II

0.89

0.51

1.56

2.36

3.84

3.61

4.15

4.48

35.

Ratio of net NPA to net advances

4.79

5.86

12.33

11.08

7.53

8.56

7.03

9.93

(per cent)

Year ended March 31

Global Trust

HDFC

ICICI

IDBI

Bank

Bank

Bank

Bank

Ratio

1999

2000

1999

2000

1999

2000

1999

2000

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

1.

Cash-deposit ratio

11.56

8.29

10.00

10.08

7.67

7.32

9.29

11.46

2.

Credit-deposit ratio

51.71

51.80

48.04

39.90

34.75

37.07

39.05

46.42

3.

Investment-deposit ratio

47.89

47.20

65.31

68.21

47.11

44.77

58.77

61.60

4.

(Credit + investment)-deposit ratio

99.60

99.00

113.35

108.10

81.86

81.84

97.83

108.02

5.

Ratio of deposits to total liabilities

78.78

82.31

67.01

72.30

86.98

81.72

80.47

76.42

6.

Ratio of term deposits to total deposits

87.72

81.61

54.44

53.67

86.77

78.50

74.54

82.55

7.

Ratio of priority sector advances to total advances

24.21

21.91

14.24

17.42

22.64

13.60

23.92

21.18

8.

Ratio of term-loans to total advances

26.30

24.89

43.04

39.35

12.87

10.35

26.90

35.04

9.

Ratio of secured advances to total advances

96.66

99.48

62.48

93.90

89.23

79.41

90.64

80.10

10.

Ratio of investments in non-approved securities to total investments

46.03

40.65

46.72

43.82

46.62

36.27

52.70

51.39

11.

Ratio of Interest income to total assets

10.94

10.15

10.48

8.50

10.60

8.95

10.50

10.69

12.

Ratio of net interest margin to total assets

1.18

2.19

4.09

3.82

2.31

1.95

2.28

2.30

13.

Ratio of non-interest income to total assets

3.26

3.66

1.90

1.57

1.74

2.04

1.03

1.39

14.

Ratio of intermediation cost to total assets

2.11

1.95

2.47

2.14

1.62

1.61

1.93

1.58

15.

Ratio of wage bills to intermediation cost

13.90

14.63

24.85

28.32

21.92

23.72

19.95

22.47

16.

Ratio of wage bills to total expenses

2.47

2.87

6.94

8.89

3.58

4.43

3.79

3.56

17.

Ratio of wage bills to total income

2.06

2.06

4.97

6.03

2.87

3.47

3.34

2.94

18.

Ratio of burden to total assets

-1.15

-1.71

0.58

0.58

-0.12

-0.43

0.90

0.19

19.

Ratio of burden to interest income

-10.51

-16.83

5.51

6.77

-1.11

-4.78

8.60

1.78

20.

Ratio of operating profits to total assets

2.33

3.90

3.51

3.24

2.43

2.38

1.38

0.28

21.

Return on assets

1.36

1.44

1.89

1.84

0.91

0.87

0.90

1.35

22.

Return on equity

26.64

26.54

22.76

19.14

22.04

14.45

17.99

25.58

23.

Cost of deposits

11.08

8.62

6.89

5.05

8.55

7.28

8.62

8.80

24.

Cost of borrowings

5.66

5.83

15.97

6.89

10.41

6.81

9.54

10.31

25.

Cost of funds

10.73

8.40

7.71

5.31

8.63

7.26

8.71

9.00

26.

Return on advances

15.09

14.26

12.77

11.21

13.96

12.06

13.97

12.93

27.

Return on investments

11.45

10.11

12.05

9.59

10.73

11.26

11.67

12.59

28.

Return on advances adjusted to cost of funds

4.36

5.87

5.06

5.90

5.33

4.80

5.26

3.93

29.

Return on investments adjusted to cost of funds

0.73

1.72

4.34

4.27

2.11

3.99

2.96

3.59

30.

Business per employee (in Rs. lakh)

690.00

855.00

522.00

942.00

513.91

594.99

913.06

923.01

31.

Profit per employee (in Rs. lakh)

9.00

12.00

9.96

9.60

7.11

7.83

7.34

11.15

32.

Capital adequacy ratio

11.97

13.68

11.86

12.19

11.06

19.64

11.26

11.80

33.

Capital adequacy ratio - Tier I

7.62

9.85

8.34

9.56

7.32

17.42

11.21

8.43

34.

Capital adequacy ratio - Tier II

4.35

3.83

3.52

2.63

3.74

2.22

0.05

3.37

35.

Ratio of net NPA to net advances

2.15

0.87

1.08

0.77

2.88

1.53

1.28

1.95

Source : Compiled from annual accounts of banks of respective years.