(in per cent)

As on March 31

Ratios

 Union Bank of India

 United Bank of India

 Vijaya Bank

2003

2004

2003

2004

2003

2004

(33)

(34)

(35)

(36)

(37)

(38)

 1.  Cash-deposit ratio

5.02

4.75

8.09

4.67

6.38

4.17

 2.  Credit-deposit ratio

57.02

58.2

35

34.99

46.37

52.56

 3.  Investment-deposit ratio

43.29

44.39

60.1

61.15

52.07

51.57

 4.  (Credit+Investment)-deposit ratio

100.31

102.6

95.1

96.14

98.43

104.1

 5.  Ratio of deposits to total liabilities

87.64

86.7

86.7

88.06

89.21

87.3

 6.  Ratio of term deposits to total deposits

63.78

64.22

57.3

55.17

67.8

69.18

 7.  Ratio of priority sector advances to total advances

37.4

39.37

27.1

33.91

35.87

40.28

 8.  Ratio of term loan to total advances

33.91

38.91

47.2

57.38

44.62

51.54

 9.  Ratio of secured advances to total advances

90.09

87.89

86.7

88.13

93.84

82.92

 10. Ratio of investments in non-approved
securites to total investments

23.99

25.94

16.9

14.24

19.27

16.14

 11. Ratio of interest income to total assets

9.02

8.26

9.01

8.27

9.49

8.99

 12. Ratio of net interest margin to total assets

3.14

3.17

3.06

3.12

3.65

3.88

 13. Ratio of non-interest income to total assets

1.73

1.52

1.82

2.02

1.96

2.44

 14. Ratio of intemediation cost to total assets

2.13

1.98

2.52

2.68

3.16

2.31

 15. Ratio of wage bills to intemediation cost

67.68

66.49

81.3

76.57

77.01

66.61

 16. Ratio of wage bills to total expense

18.01

18.66

24.2

26.21

27.08

20.72

 17. Ratio of wage bills to total income

13.43

13.49

18.9

19.98

21.27

13.45

 18. Ratio of burden to total assets

0.41

0.46

0.7

0.67

1.2

-0.13

 19. Ratio of burden to interest income

4.5

5.61

7.72

8.07

12.63

-1.44

 20. Ratio of operating profits to total assets

2.73

2.71

2.36

2.45

2.45

4.01

 21. Return on assets

1.08

1.22

1.37

1.25

1.13

1.91

 22. Return on equity

23.65

15.6

16.07

26.67

38.32

 23. Cost of deposits

6.37

5.52

6.77

5.82

6.25

5.53

 24. Cost of borrowings

3.07

0.45

0.42

0.72

0.94

0.3

 25. Cost of funds

6.35

5.45

6.75

5.81

6.18

5.45

 26. Return on advances

10.01

8.79

10.3

8.75

10.73

10.28

 27. Return on investments

10.43

9.27

11

9.95

10.64

9.44

 28. Return on advances adjusted to cost of funds

3.66

3.34

3.5

2.95

4.55

4.83

 29. Return on investments adjusted to cost of funds

4.08

3.82

4.22

4.14

4.46

4

 30. Business per employee (in Rs.lakh)

249.7

286.5

162

169

193.6

249.4

 31. Profit per employee (in Rs.lakh)

2.15

2.78

1.77

1.76

1.76

3.73

 32. Capital adequacy ratio

12.41

12.32

15.2

17.04

12.66

14.11

 33. Capital adequacy ratio - Tier I

6.86

6.47

12.6

15.04

7.42

8.37

 34. Capital adequacy ratio - Tier II

5.55

5.85

2.54

2

5.24

5.74

 35. Ratio of net NPA to net advances

4.91

2.87

5.52

3.75

2.61

0.91

Source : Compiled from annual accounts of banks of respective years

TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

FOREIGN BANKS

(in per cent)

As on March 31

Ratios

 ABN Amro
Bank

 Abu-dhabi Commercial
Bank

 American Express
Bank

 Antwerp Diamond
Bank

2003

2004

2003

2004

2003

2004

2003

2004

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

 1.  Cash-deposit ratio

7.27

8.69

2.5

4.53

4.12

4.9

10.82

29.61

 2.  Credit-deposit ratio

108.5

114.35

15.48

9.23

49.84

45.28

475.89

669.97

 3.  Investment-deposit ratio

59.43

49.82

75.05

74.55

45.54

29.13

128.16

215.63

 4.  (Credit+Investment)-deposit ratio

167.9

164.16

90.52

83.78

95.37

74.4

604.05

885.6

 5.  Ratio of deposits to total liabilities

53.52

55.2

92.64

92.82

75.31

81.93

14.93

8.85

 6.  Ratio of term deposits to total deposits

52.6

43.75

93.48

93.06

77.14

75.3

10.73

15.55

 7.  Ratio of priority sector advances to total advances

27.17

28.25

28.91

15.26

14.46

11.97

99.61

99.64

 8.  Ratio of term loan to total advances

27.61

31.16

15.17

17.64

39.97

34.42

0.35

0.36

 9.  Ratio of secured advances to total advances

79.21

83.44

88.99

85.69

34.36

40.45

99.92

99.94

 10. Ratio of investments in non-approved
securites to total investments

12.78

23.48

63.2

54.34

34.39

29.06

0

0

 11. Ratio of interest income to total assets

8.82

7.62

9.83

8.45

9.53

9.31

4.61

5.43

 12. Ratio of net interest margin to total assets

4.35

4.49

0.88

0.84

3.25

3.87

3.37

4.01

 13. Ratio of non-interest income to total assets

3.01

3.8

0.62

0.43

5.95

6.7

0.33

0.92

 14. Ratio of intemediation cost to total assets

3.87

4.7

0.8

0.57

6

7.52

2.6

1.86

 15. Ratio of wage bills to intemediation cost

28.43

27.61

29.18

38.48

37.09

37.83

35.6

37.62

 16. Ratio of wage bills to total expense

13.19

16.59

2.4

2.67

18.13

21.97

24.09

21.27

 17. Ratio of wage bills to total income

9.3

11.38

2.24

2.46

14.39

17.78

18.76

11

 18. Ratio of burden to total assets

0.86

0.91

0.18

0.13

0.06

0.82

2.27

0.94

 19. Ratio of burden to interest income

9.79

11.93

1.84

1.59

0.58

8.84

49.36

17.3

 20. Ratio of operating profits to total assets

3.49

3.58

0.7

0.71

3.19

3.05

1.09

3.07

 21. Return on assets

1.56

1.84

0.17

0.5

-0.9

-0.69

0.36

1.18

 22. Return on equity

17.15

18.66

5.21

14.33

-11.2

-9.49

0.77

4.99

 23. Cost of deposits

2.83

1.61

9.49

8.06

10.81

6.41

0.23

0.71

 24. Cost of borrowings

9.06

6.4

28.03

13.93

1.65

4.51

0.28

1.26

 25. Cost of funds

4.71

3.28

9.67

8.08

7.18

6.26

0.26

1.14

 26. Return on advances

9.93

7.95

13.15

10.5

13.55

15.88

3.66

5.82

 27. Return on investments

8.89

8.32

10.32

9.75

9.87

8.22

1.38

7.51

 28. Return on advances adjusted to cost of funds

5.21

4.67

3.48

2.43

6.37

9.62

3.4

4.68

 29. Return on investments adjusted to cost of funds

4.18

5.04

0.65

1.67

2.69

1.96

1.12

6.36

 30. Business per employee (in Rs.lakh)

784.3

891.45

2,618.40

1,408.00

214.9

285

1,252.55

1,723.61

 31. Profit per employee (in Rs.lakh)

12.35

15.22

4.06

13

-2.08

-2

5.25

32.85

 32. Capital adequacy ratio

12.57

13.48

10.14

14.22

10.93

10.74

92.69

53.22

 33. Capital adequacy ratio - Tier I

10.67

11.49

9.04

12.07

10.53

10.34

62.65

36.28

 34. Capital adequacy ratio - Tier II

1.9

1.99

1.1

2.15

0.4

0.4

30.04

16.94

 35. Ratio of net NPA to net advances

1.54

0.88

9.68

27.39

8.69

5.68

0

0

Source : Compiled from annual accounts of banks of respective years

TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

FOREIGN BANKS

(in per cent)

As on March 31

Ratios

 Arab Bangladesh
Bank

 Bank  International
Indonesia

 Bank  Muscat 
International #

 Bank of America

2003

2004

2003

2004

2003

2004

2003

2004

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

 1.  Cash-deposit ratio

1.74

2.66

5.78

15.15

3.28

0

6.8

14.59

 2.  Credit-deposit ratio

37.59

38.21

204.8

26.73

72.15

0

213.47

192.5

 3.  Investment-deposit ratio

19.75

32.75

186.3

96.48

36.47

0

84.18

86.93

 4.  (Credit+Investment)-deposit ratio

57.34

70.97

391.1

123.21

108.6

0

297.65

279.43

 5.  Ratio of deposits to total liabilities

50

40.83

10.46

12.47

79.58

0

31.45

31.1

 6.  Ratio of term deposits to total deposits

33.49

42.21

75.56

62.73

94.87

0

52.09

37.57

 7.  Ratio of priority sector advances to total advances

48.88

31.12

17.11

19.52

9.74

0

24.74

31.88

 8.  Ratio of term loan to total advances

8.22

12.06

0

0

68.49

0

8.07

3.55

 9.  Ratio of secured advances to total advances

100

100

99.99

8.68

84.81

0

58.53

47.31

 10. Ratio of investments in non-approved
securites to total investments

0

19.75

15.01

0

32.12

0

13.35

5.7

 11. Ratio of interest income to total assets

4.77

4.31

4.5

3.95

10.61

0

7.07

5.59

 12. Ratio of net interest margin to total assets

3.98

3.62

3.43

3.16

4.71

0

2.53

2.34

 13. Ratio of non-interest income to total assets

3.69

4.7

0.93

0.14

1.49

0

1.57

1.62

 14. Ratio of intemediation cost to total assets

2.28

2.06

7.29

3.25

4.67

0

1.46

1.58

 15. Ratio of wage bills to intemediation cost

30.16

31.4

8.58

18.58

29.34

0

35.69

42.2

 16. Ratio of wage bills to total expense

22.41

23.58

7.48

14.95

12.95

0

8.69

13.82

 17. Ratio of wage bills to total income

8.15

7.2

11.53

14.79

11.31

0

6.04

9.25

 18. Ratio of burden to total assets

-1.41

-2.64

6.37

3.12

3.18

0

-0.11

-0.04

 19. Ratio of burden to interest income

-29.49

-61.22

141.4

78.86

29.95

0

-1.58

-0.76

 20. Ratio of operating profits to total assets

5.38

6.26

-2.94

0.04

1.53

0

2.64

2.39

 21. Return on assets

2.78

3.67

3.75

-0.33

1.95

0

1.73

1.26

 22. Return on equity

5.93

7.1

2.41

-0.31

0.84

0

13.69

9.6

 23. Cost of deposits

1.58

1.27

6.19

4.28

3.63

0

4.76

4.12

 24. Cost of borrowings

0.72

8.64

3.73

144.1

0

6.04

3.88

 25. Cost of funds

1.52

1.46

8.94

4.07

5.16

0

5.51

3.97

 26. Return on advances

9.13

8.34

9.38

10.8

15.82

0

7.4

5.15

 27. Return on investments

4.55

4.48

14.76

13.64

4.94

0

8.39

7.53

 28. Return on advances adjusted to cost of funds

7.61

6.88

0.44

6.73

10.66

0

1.89

1.17

 29. Return on investments adjusted to cost of funds

3.03

3.03

5.82

9.57

-0.22

0

2.89

3.55

 30. Business per employee (in Rs.lakh)

265.1

221.45

228.5

326.47

393

0

1,862.74

1,747.56

 31. Profit per employee (in Rs.lakh)

10.5

12.9

11.98

-1.56

0.65

0

32.76

24.12

 32. Capital adequacy ratio

105.6

111.34

104

133.94

20.1

0

21.08

22.92

 33. Capital adequacy ratio - Tier I

104.6

109.91

103.8

133.8

19.86

0

13.65

15.68

 34. Capital adequacy ratio - Tier II

1.01

1.43

0.21

0.14

0.24

0

7.43

7.24

 35. Ratio of net NPA to net advances

1.55

0.37

15.2

72.15

6.95

0

0.05

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

FOREIGN BANKS

(in per cent)

As on March 31

Ratios

 Bank of Bahrain & Kuwait

 Bank of Ceylon

 Bank of Nova Scotia

 Bank of Tokyo
-Mitsubishi

2003

2004

2003

2004

2003

2004

2003

2004

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

 1.  Cash-deposit ratio

3.66

4.94

8.1

19.47

4.45

6.1

6.41

5.52

 2.  Credit-deposit ratio

74.08

70.11

99.12

62.24

100.71

119.19

76.01

73.86

 3.  Investment-deposit ratio

53.51

73.18

27.27

44.21

45.03

45.6

35.53

55.81

 4.  (Credit+Investment)-deposit ratio

127.6

143.29

126.4

106.45

145.74

164.79

111.54

129.67

 5.  Ratio of deposits to total liabilities

68.91

63.07

47.72

50.25

62.15

54.35

53.84

48.81

 6.  Ratio of term deposits to total deposits

91.66

82.7

77.77

63.48

93.1

93.21

55.82

45.41

 7.  Ratio of priority sector advances to total advances

16.1

13.72

68.47

62.84

39.62

37.2

1.32

0.83

 8.  Ratio of term loan to total advances

54.33

47.18

5.77

3.4

66.76

57.06

25.27

14.19

 9.  Ratio of secured advances to total advances

88.69

94.24

94.07

96.1

87.37

84.94

66.94

65.7

 10. Ratio of investments in non-approved
securites to total investments

15.76

19.67

0

0

12.66

4.2

2.87

99.15

 11. Ratio of interest income to total assets

8.19

5.75

7.06

5.44

8.6

5.17

9.02

6.88

 12. Ratio of net interest margin to total assets

1.72

1.05

3.15

2.15

2.52

1.61

4.91

5.06

 13. Ratio of non-interest income to total assets

2.22

2.09

1.09

2.64

1.52

1.8

2.44

7.03

 14. Ratio of intemediation cost to total assets

1.71

1.91

1.59

1.63

1.2

1.18

4.34

3.63

 15. Ratio of wage bills to intemediation cost

42.52

40.16

25.4

21.51

31.73

36.77

63.87

59.86

 16. Ratio of wage bills to total expense

8.89

11.63

7.36

7.14

5.25

9.16

32.79

39.88

 17. Ratio of wage bills to total income

6.99

9.8

4.97

4.35

3.78

6.23

24.2

15.63

 18. Ratio of burden to total assets

-0.51

-0.18

0.5

-1

-0.31

-0.62

1.9

-3.4

 19. Ratio of burden to interest income

-6.22

-3.05

7.08

-18.48

-3.61

-11.96

21.1

-49.37

 20. Ratio of operating profits to total assets

2.23

1.23

2.65

3.15

2.83

2.23

3

8.46

 21. Return on assets

1.06

0.12

0.27

0.36

0.66

0.64

2.69

6.96

 22. Return on equity

8.17

0.9

0.95

1.38

7.64

6.86

10.62

22.4

 23. Cost of deposits

7.1

5.69

7.69

6.66

8.32

5.44

5.86

2.72

 24. Cost of borrowings

7.65

4.86

1.52

0.13

3.25

1.34

4.69

0.26

 25. Cost of funds

7.22

5.52

6.32

5.07

6.9

4.09

5.78

2.63

 26. Return on advances

10.49

6.32

10.12

10.93

9.51

4.88

9.34

8.19

 27. Return on investments

8.56

6.36

12.08

6.36

8.8

7.16

9.71

6.05

 28. Return on advances adjusted to cost of funds

3.28

0.8

3.81

5.85

2.61

0.79

3.56

5.56

 29. Return on investments adjusted to cost of funds

1.34

0.84

5.76

1.28

1.9

3.07

3.93

3.42

 30. Business per employee (in Rs.lakh)

787

784

644.7

637

1,691.41

1,678.52

560.87

582.27

 31. Profit per employee (in Rs.lakh)

8

1

1.8

3

9.75

9.96

12.87

48.58

 32. Capital adequacy ratio

17.19

21.06

32.29

45.26

13.38

13.78

30.21

32.78

 33. Capital adequacy ratio - Tier I

16.02

19.46

31.92

44.23

12.84

13.11

20.09

22.11

 34. Capital adequacy ratio - Tier II

1.17

1.6

0.37

1.03

0.54

0.67

10.12

10.67

 35. Ratio of net NPA to net advances

11.26

17.73

25.98

21.85

8.64

9.07

0.09

0.1

Source : Compiled from annual accounts of banks of respective years

TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

FOREIGN BANKS

(in per cent)

As on March 31

Ratios

 Barclays Bank

 BNP Paribas

 Calyon Bank

 Chinatrust Commercial Bank

2003

2004

2003

2004

2003

2004

2003

2004

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

 1.  Cash-deposit ratio

2.34

9.31

7.37

5.55

3.76

5.17

5.15

5.9

 2.  Credit-deposit ratio

2.13

2.86

90.07

75.69

34.02

9.37

111.89

142.92

 3.  Investment-deposit ratio

449.08

499.2

58.11

57.65

53.11

66.34

64.99

39.21

 4.  (Credit+Investment)-deposit ratio

451.22

502.1

148.18

133.3

87.13

75.72

176.88

182.13

 5.  Ratio of deposits to total liabilities

14.6

6.48

58.04

57.99

69.21

72.14

51.01

49.44

 6.  Ratio of term deposits to total deposits

95.37

90.89

76.11

71.46

65.3

69.5

77.61

75.45

 7.  Ratio of priority sector advances to total advances

2.6

0

30.99

24.98

14.59

3.67

33.01

30.25

 8.  Ratio of term loan to total advances

97.4

100

49

53.89

97.3

97.4

60.93

58.87

 9.  Ratio of secured advances to total advances

83.15

81

62.25

52.83

29.83

68.03

96.69

98.34

 10. Ratio of investments in non-approved
securites to total investments

27.39

25.59

24.96

12.91

26.54

35.25

33.03

15.11

 11. Ratio of interest income to total assets

3.75

2.86

7.72

6.85

6.95

11.32

9.95

 12. Ratio of net interest margin to total assets

1.1

2.17

2.42

2.74

1.9

2.37

7.06

6.82

 13. Ratio of non-interest income to total assets

12.65

11.15

1.04

1.55

0.74

-0.78

0.99

1.06

 14. Ratio of intemediation cost to total assets

2.58

2.35

3.4

3.06

1.63

1.81

3.77

3.32

 15. Ratio of wage bills to intemediation cost

53.06

75.81

39.65

47.53

42.67

38.22

30.3

30.72

 16. Ratio of wage bills to total expense

26.11

58.65

15.49

22.23

10.55

10.85

14.22

15.79

 17. Ratio of wage bills to total income

8.33

12.71

15.4

18.69

9.13

11.25

9.27

9.25

 18. Ratio of burden to total assets

-10.07

-8.8

2.36

1.51

0.88

2.59

2.78

2.26

 19. Ratio of burden to interest income

-268.5

-308

30.58

24.2

12.86

37.35

24.53

22.66

 20. Ratio of operating profits to total assets

11.17

10.97

0.05

1.23

1.02

-0.22

4.28

4.56

 21. Return on assets

3.95

5.2

-0.53

-0.44

0.36

0.51

2.12

1.15

 22. Return on equity

9.13

19.43

-6.56

-4.42

3.22

3.04

6.83

3.45

 23. Cost of deposits

7.72

1.39

7.59

4.25

1.61

0.78

5.56

5.55

 24. Cost of borrowings

3.31

3.23

3.75

3.17

14.72

36.56

6.22

1.27

 25. Cost of funds

4.81

2.57

5.96

3.94

5.65

5.62

5.65

4.79

 26. Return on advances

3.69

5.03

9.63

6.74

8.53

8.08

13.08

10.38

 27. Return on investments

5.86

5.65

8.21

8.45

10.67

10.91

12

12.49

 28. Return on advances adjusted to cost of funds

-1.12

2.47

3.67

2.8

2.88

2.46

7.43

5.59

 29. Return on investments adjusted to cost of funds

1.06

3.08

2.25

4.51

5.02

5.29

6.35

7.71

 30. Business per employee (in Rs.lakh)

323.68

270.8

978.62

921.9

1,336.56

1,006.21

658.05

800.45

 31. Profit per employee (in Rs.lakh)

85.82

211.4

-4.03

-3.99

7

8.63

12.9

7.69

 32. Capital adequacy ratio

45.68

37.16

10.74

21.7

20.04

24.51

36.96

39.98

 33. Capital adequacy ratio - Tier I

43.55

34.85

6.46

13.42