Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 4 of 4)

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Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 4 of 4)

OTHER SCHEDULED COMMERCIAL BANKS

(per cent)

		As on March 31

	Ratios	Development		Dhanalakshmi		Federal Bank		Ganesh Bank of
		Credit Bank		Bank				Kurundwad

		2000	2001	2000	2001	2000	2001	2000	2001

		(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)

1.	Cash-deposit ratio	6.55	4.53	9.44	7.10	6.04	3.42	12.54	11.72
2.	Credit-deposit ratio	59.21	60.22	55.42	58.90	62.44	63.32	56.56	51.13
3.	Investment-deposit ratio	41.58	36.67	40.25	37.50	41.25	39.60	24.67	26.35
4.	(Credit + investment)-deposit ratio	100.79	96.89	95.67	96.40	103.69	102.92	81.23	77.47
5.	Ratio of deposits to total liabilities	83.16	86.52	87.87	88.19	85.02	86.91	92.32	93.45
6.	Ratio of term deposits to total deposits	83.11	86.34	79.21	79.37	77.76	76.52	76.13	77.58
7.	Ratio of priority sector advances to total advances	34.67	32.47	30.86	29.49	35.43	32.24	49.40	48.68
8.	Ratio of term-loans to total advances	35.85	45.91	31.01	31.57	30.19	31.63	64.83	66.84
9.	Ratio of secured advances to total advances	74.54	73.89	91.30	87.59	96.82	92.40	96.55	97.90
10.	Ratio of investments in non-approved securities to total investments	28.04	27.24	25.57	25.92	30.90	35.98	3.97	3.15
11.	Ratio of Interest income to total assets	9.26	10.66	10.97	10.77	11.25	11.19	11.97	11.44
12.	Ratio of net interest margin to total assets	1.99	2.38	2.87	2.42	2.30	2.89	2.62	2.26
13.	Ratio of non-interest income to total assets	2.36	1.34	1.66	1.58	1.69	1.52	0.66	0.50
14.	Ratio of intermediation cost to total assets	2.13	1.97	2.31	2.96	2.26	2.13	2.40	2.31
15.	Ratio of wage bills to intermediation cost	43.25	38.60	65.45	56.88	66.68	63.36	59.43	56.91
16.	Ratio of wage bills to total expenses	9.80	7.41	14.52	14.87	13.44	12.94	12.13	11.43
17.	Ratio of wage bills to total income	7.93	6.32	11.96	13.62	11.65	10.62	11.28	11.00
18.	Ratio of burden to total assets	-0.23	0.63	0.65	1.38	0.57	0.61	1.74	1.81
19.	Ratio of burden to interest income	-2.48	5.89	5.90	12.80	5.09	5.43	14.54	15.81
20.	Ratio of operating profits to total assets	2.22	1.76	2.02	1.04	1.73	2.28	0.88	0.45
21.	Return on assets	1.18	0.87	0.71	0.40	0.62	0.69	11.54	11.08
22.	Return on equity	12.11	10.94	16.08	8.91	13.55	15.70	3.49	5.39
23.	Cost of deposits	8.13	8.84	8.98	8.89	9.49	8.68	9.87	9.81
24.	Cost of borrowings	7.81	12.14	2.42	7.25	3.17	5.63	25.88	15.48
25.	Cost of funds	8.11	9.00	8.82	8.85	9.10	8.53	10.07	9.83
26.	Return on advances	11.48	11.45	13.56	12.25	12.80	12.63	16.18	15.14
27.	Return on investments	10.18	13.78	12.23	12.42	12.09	11.79	13.26	12.35
28.	Return on advances adjusted to cost of funds	3.37	2.45	4.74	3.40	3.70	4.10	6.11	5.31
29.	Return on investments adjusted to cost of funds	2.07	4.77	3.41	3.57	2.98	3.26	3.20	2.52
30.	Business per employee (in Rs. lakh)	344.00	429.00	153.66	184.28	161.00	190.00	94.77	105.40
31.	Profit per employee (in Rs. lakh)	2.26	2.34	0.82	0.52	0.72	0.97	0.09	0.16
32.	Capital adequacy ratio	11.34	11.28	10.02	9.69	11.33	10.29	9.14	9.11
33.	Capital adequacy ratio - Tier I	10.83	10.69	7.66	7.33	7.72	7.72	4.66	5.26
34.	Capital adequacy ratio - Tier II	0.51	0.59	2.36	2.36	3.61	2.57	4.48	3.85
35.	Ratio of net NPA to net advances	5.86	6.12	11.08	11.34	8.56	10.08	9.93	10.12

(per cent)

		As on March 31

	Ratios	Global Trust		HDFC Bank		ICICI Bank @		IDBI Bank
		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

		(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)

1.	Cash-deposit ratio	8.29	8.61	10.08	8.46	7.32	7.52	11.46	7.47
2.	Credit-deposit ratio	51.80	53.01	39.90	39.77	37.07	42.93	46.42	48.35
3.	Investment-deposit ratio	47.20	49.97	68.21	61.29	44.77	49.99	61.60	70.77
4.	(Credit + investment)-deposit ratio	99.00	102.98	108.10	101.06	81.84	92.92	108.02	119.12
5.	Ratio of deposits to total liabilities	82.31	81.65	72.30	74.65	81.72	82.98	76.42	72.53
6.	Ratio of term deposits to total deposits	81.61	86.66	53.67	59.18	78.50	72.51	82.55	77.00
7.	Ratio of priority sector advances to total advances	21.91	19.38	17.42	14.40	13.60	16.85	21.18	21.93
8.	Ratio of term-loans to total advances	24.89	32.02	39.35	54.86	10.35	13.84	35.04	28.07
9.	Ratio of secured advances to total advances	99.48	84.72	93.90	85.27	79.41	76.74	80.10	86.46
10.	Ratio of investments in non-approved securities to total investments	40.65	41.48	43.82	52.07	36.27	49.77	51.39	53.46
11.	Ratio of Interest income to total assets	10.15	10.56	8.50	9.24	8.95	7.81	10.69	11.43
12.	Ratio of net interest margin to total assets	2.19	2.36	3.82	3.71	1.95	2.54	2.30	2.15
13.	Ratio of non-interest income to total assets	3.66	1.93	1.57	1.36	2.04	1.38	1.39	1.48
14.	Ratio of intermediation cost to total assets	1.95	1.93	2.14	2.27	1.61	2.10	1.58	2.17
15.	Ratio of wage bills to intermediation cost	14.63	18.57	28.32	25.19	23.72	15.47	22.47	22.07
16.	Ratio of wage bills to total expenses	2.87	3.54	8.89	7.34	4.43	4.41	3.56	4.19
17.	Ratio of wage bills to total income	2.06	2.87	6.03	5.40	3.47	3.54	2.94	3.72
18.	Ratio of burden to total assets	-1.71	-0.01	0.58	0.91	-0.43	0.72	0.19	0.70
19.	Ratio of burden to interest income	-16.83	-0.05	6.77	9.85	-4.78	9.20	1.78	6.12
20.	Ratio of operating profits to total assets	3.90	2.36	3.24	2.80	2.38	1.82	0.28	1.46
21.	Return on assets	1.44	0.85	1.84	1.62	0.87	0.82	1.35	0.41
22.	Return on equity	26.54	14.39	19.14	22.99	14.45	13.09	25.58	7.34
23.	Cost of deposits	8.62	9.09	5.05	6.36	7.28	5.53	8.80	11.41
24.	Cost of borrowings	5.83	3.48	6.89	7.12	6.81	4.21	10.31	2.57
25.	Cost of funds	8.40	8.72	5.31	6.45	7.26	5.46	9.00	9.98
26.	Return on advances	14.26	13.41	11.21	12.33	12.06	10.68	12.93	12.43
27.	Return on investments	10.11	11.11	9.59	9.86	11.26	8.82	12.59	13.64
28.	Return on advances adjusted to cost of funds	5.87	4.69	5.90	5.88	4.80	5.23	3.93	2.45
29.	Return on investments adjusted to cost of funds	1.72	2.39	4.27	3.41	3.99	3.36	3.59	3.66
30.	Business per employee (in Rs. lakh)	855.00	832.00	942.00	643.00	594.99	815.22	923.01	684.67
31.	Profit per employee (in Rs. lakh)	12.00	7.00	10.00	8.61	7.83	10.45	11.15	2.50
32.	Capital adequacy ratio	13.68	12.71	12.19	11.09	19.64	11.57	11.80	11.72
33.	Capital adequacy ratio - Tier I	9.85	8.79	9.56	8.69	17.42	10.42	8.43	7.89
34.	Capital adequacy ratio - Tier II	3.83	3.92	2.63	2.40	2.22	1.15	3.37	3.83
35.	Ratio of net NPA to net advances	0.87	3.75	0.77	0.45	1.53	2.19	1.95	5.24

(per cent)

		As on March 31

	Ratios	IndusInd Bank		Jammu &		Karnataka Bank		Karur Vysya
				Kashmir Bank				Bank

		2000	2001	2000	2001	2000	2001	2000	2001

		(33)	(34)	(35)	(36)	(37)	(38)	(39)	(40)

1.	Cash-deposit ratio	5.65	5.36	14.88	9.74	10.21	6.48	9.13	6.61
2.	Credit-deposit ratio	56.17	58.95	37.34	42.65	47.38	46.55	58.48	62.35
3.	Investment-deposit ratio	41.73	34.70	45.15	48.58	39.87	45.87	38.32	34.14
4.	(Credit + investment)-deposit ratio	97.90	93.66	82.49	91.22	87.25	92.42	96.80	96.50
5.	Ratio of deposits to total liabilities	81.86	83.06	89.21	87.80	90.11	90.99	82.52	85.27
6.	Ratio of term deposits to total deposits	84.64	88.95	63.73	69.21	78.82	80.41	79.81	78.52
7.	Ratio of priority sector advances to total advances	20.18	16.63	23.09	24.76	37.37	33.71	38.85	38.63
8.	Ratio of term-loans to total advances	20.78	20.64	40.06	48.34	23.64	24.55	30.03	33.12
9.	Ratio of secured advances to total advances	91.79	82.43	93.87	92.76	97.01	96.42	92.45	93.53
10.	Ratio of investments in non-approved securities to total investments	22.60	25.72	34.82	36.76	32.66	20.17	38.28	35.69
11.	Ratio of Interest income to total assets	9.00	8.75	9.79	9.25	10.89	10.53	12.18	11.55
12.	Ratio of net interest margin to total assets	1.92	1.91	3.17	3.07	2.15	2.45	3.99	3.89
13.	Ratio of non-interest income to total assets	2.04	1.40	1.16	0.69	1.36	1.44	1.68	1.35
14.	Ratio of intermediation cost to total assets	1.27	1.24	1.76	1.42	1.99	1.70	2.50	2.47
15.	Ratio of wage bills to intermediation cost	13.27	13.00	56.36	58.13	71.26	68.09	62.89	50.05
16.	Ratio of wage bills to total expenses	2.02	1.99	11.86	10.84	13.22	11.82	14.70	12.22
17.	Ratio of wage bills to total income	1.53	1.58	9.08	8.28	11.58	9.66	11.33	9.60
18.	Ratio of burden to total assets	-0.77	-0.16	0.60	0.72	0.63	0.26	0.81	1.12
19.	Ratio of burden to interest income	-8.56	-1.85	6.14	7.81	5.78	2.44	6.68	9.74
20.	Ratio of operating profits to total assets	2.69	2.07	2.57	2.34	1.52	2.19	3.18	2.77
21.	Return on assets	0.70	0.47	1.13	1.32	1.10	0.73	1.90	1.70
22.	Return on equity	10.55	7.52	25.13	27.30	20.31	13.72	31.25	24.44
23.	Cost of deposits	7.72	7.39	7.22	6.93	9.35	8.71	9.10	8.42
24.	Cost of borrowings	6.16	5.41	22.23	3.86	6.86	5.32	3.55	4.84
25.	Cost of funds	7.60	7.26	7.43	6.90	9.28	8.63	8.68	8.23
26.	Return on advances	10.24	9.41	11.77	10.52	13.41	13.13	14.33	13.14
27.	Return on investments	11.77	12.50	12.24	11.73	12.66	10.70	13.84	13.91
28.	Return on advances adjusted to cost of funds	2.64	2.15	4.34	3.62	4.13	4.50	5.65	4.91
29.	Return on investments adjusted to cost of funds	4.17	5.24	4.81	4.83	3.38	2.06	5.16	5.69
30.	Business per employee (in Rs. lakh)	2004.70	1582.36	175.00	212.00	177.68	210.28	169.00	192.00
31.	Profit per employee (in Rs. lakh)	13.23	6.98	1.91	2.58	1.43	1.11	2.60	2.52
32.	Capital adequacy ratio	13.24	15.00	18.82	17.44	11.04	11.37	15.16	15.56
33.	Capital adequacy ratio - Tier I	12.09	12.56	15.51	14.33	10.64	11.06	14.48	15.12
34.	Capital adequacy ratio - Tier II	1.15	2.44	3.31	3.11	0.40	0.31	0.68	0.44
35.	Ratio of net NPA to net advances	5.98	5.25	3.22	2.45	5.73	6.93	3.77	4.73

(per cent)

		As on March 31

	Ratios	Lakshmi Vilas		Lord Krishna		Nainital Bank		Nedungadi Bank
		Bank		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

		(41)	(42)	(43)	(44)	(45)	(46)	(47)	(48)

1.	Cash-deposit ratio	10.00	8.92	7.21	6.25	10.52	9.35	10.56	9.50
2.	Credit-deposit ratio	58.57	64.99	55.05	47.71	22.28	22.50	49.98	48.51
3.	Investment-deposit ratio	39.09	34.34	41.33	44.55	46.71	53.15	34.59	40.33
4.	(Credit + investment)-deposit ratio	97.67	99.33	96.37	92.26	68.99	75.64	84.57	88.83
5.	Ratio of deposits to total liabilities	84.93	87.21	85.03	87.02	92.70	91.83	91.32	92.03
6.	Ratio of term deposits to total deposits	72.34	75.56	84.14	87.52	54.82	55.29	81.70	83.25
7.	Ratio of priority sector advances to total advances	42.55	40.14	17.87	15.54	52.63	55.43	31.46	32.43
8.	Ratio of term-loans to total advances	23.27	21.55	36.51	46.10	21.85	0.00	23.13	22.42
9.	Ratio of secured advances to total advances	90.44	94.04	99.13	96.90	99.19	99.68	92.69	97.03
10.	Ratio of investments in non-approved securities to total investments	39.94	29.38	22.82	16.66	33.37	27.19	21.53	15.03
11.	Ratio of Interest income to total assets	10.62	10.20	10.63	10.09	10.50	10.43	11.35	9.74
12.	Ratio of net interest margin to total assets	2.86	2.70	1.59	1.66	4.22	4.09	3.14	1.09
13.	Ratio of non-interest income to total assets	2.85	2.39	2.07	1.72	0.59	0.45	1.64	1.59
14.	Ratio of intermediation cost to total assets	3.07	2.65	2.07	2.14	2.94	2.74	3.05	2.64
15.	Ratio of wage bills to intermediation cost	60.00	58.47	56.41	52.85	74.67	72.32	62.77	66.29
16.	Ratio of wage bills to total expenses	16.99	15.29	10.51	10.68	23.83	21.80	17.02	15.51
17.	Ratio of wage bills to total income	13.65	12.32	9.19	9.56	19.83	18.20	14.77	15.46
18.	Ratio of burden to total assets	0.21	0.26	0.00	0.42	2.36	2.29	1.42	1.05
19.	Ratio of burden to interest income	2.02	2.58	0.00	4.13	22.45	21.96	12.49	10.79
20.	Ratio of operating profits to total assets	1.42	2.44	1.59	1.24	1.86	1.80	1.72	0.04
21.	Return on assets	1.30	1.02	0.70	0.41	0.95	0.93	0.84	0.00
22.	Return on equity	0.68	20.22	14.14	9.21	22.85	21.49	28.65	-111.51
23.	Cost of deposits	8.55	8.11	9.77	9.07	6.77	6.87	8.54	9.01
24.	Cost of borrowings	11.43	11.75	0.16	9.93	24.83	180.68	8.05	10.76
25.	Cost of funds	8.68	8.25	9.46	9.09	6.77	6.87	8.54	9.03
26.	Return on advances	13.34	12.85	13.70	14.13	13.47	12.96	13.74	11.93
27.	Return on investments	10.83	9.58	12.26	9.92	12.35	12.22	13.85	11.93
28.	Return on advances adjusted to cost of funds	4.65	4.60	4.24	5.04	6.70	6.09	5.20	2.90
29.	Return on investments adjusted to cost of funds	2.14	1.32	2.81	0.83	5.57	5.35	5.32	2.90
30.	Business per employee (in Rs. lakh)	158.00	192.00	200.00	226.00	79.05	93.07	133.34	145.80
31.	Profit per employee (in Rs. lakh)	1.37	1.38	0.93	0.65	0.69	0.79	0.91	0.00
32.	Capital adequacy ratio	10.45	10.21	11.25	12.90	15.11	15.81	9.04	0.00
33.	Capital adequacy ratio - Tier I	8.10	8.52	9.70	8.60	14.32	13.72	5.73	0.00
34.	Capital adequacy ratio - Tier II	2.35	1.69	1.55	4.30	0.79	2.09	3.31	0.00
35.	Ratio of net NPA to net advances	5.38	6.47	13.94	12.92	0.82	0.00	15.65	21.04

(per cent)

		As on March 31

	Ratios	Ratnakar Bank		Sangli Bank		SBI Commercial		South Indian
						& Intl. Bank		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

		(49)	(50)	(51)	(52)	(53)	(54)	(55)	(56)

1.	Cash-deposit ratio	9.97	8.97	22.27	22.83	5.60	4.19	7.51	6.32
2.	Credit-deposit ratio	42.78	46.10	34.66	35.57	71.61	57.30	52.02	52.87
3.	Investment-deposit ratio	43.38	43.13	40.53	35.78	40.43	35.54	45.01	42.80
4.	(Credit + investment)-deposit ratio	86.15	89.24	75.19	71.34	112.04	92.84	97.03	95.68
5.	Ratio of deposits to total liabilities	87.42	89.31	92.61	93.42	72.63	77.36	87.44	89.50
6.	Ratio of term deposits to total deposits	74.21	76.70	62.25	65.16	92.44	93.35	78.10	79.76
7.	Ratio of priority sector advances to total advances	30.20	28.15	26.21	25.79	11.80	11.29	31.97	29.74
8.	Ratio of term-loans to total advances	41.40	43.05	19.61	20.93	17.98	7.77	39.07	38.35
9.	Ratio of secured advances to total advances	89.40	91.23	95.15	94.18	83.81	85.01	89.38	89.95
10.	Ratio of investments in non-approved securities to total investments	38.02	39.51	31.56	34.08	13.09	5.71	15.20	12.02
11.	Ratio of Interest income to total assets	11.06	11.06	9.08	9.50	10.16	9.49	11.69	11.19
12.	Ratio of net interest margin to total assets	3.15	3.34	2.79	3.28	2.14	1.14	2.95	3.09
13.	Ratio of non-interest income to total assets	1.83	1.65	1.48	0.89	2.53	1.46	1.86	1.50
14.	Ratio of intermediation cost to total assets	3.34	3.09	3.04	3.05	1.23	1.35	2.80	2.38
15.	Ratio of wage bills to intermediation cost	66.03	57.18	76.75	79.67	32.36	33.07	76.74	74.13
16.	Ratio of wage bills to total expenses	19.61	16.34	25.02	26.19	4.29	4.60	18.64	16.85
17.	Ratio of wage bills to total income	17.13	13.90	22.08	23.34	3.13	4.08	15.88	13.91
18.	Ratio of burden to total assets	1.51	1.44	1.56	2.15	-1.30	-0.11	0.95	0.88
19.	Ratio of burden to interest income	13.69	13.04	17.15	22.64	-12.79	-1.15	8.09	7.87
20.	Ratio of operating profits to total assets	1.63	1.90	1.24	1.13	3.44	1.25	2.00	2.21
21.	Return on assets	0.83	0.77	0.36	0.40	1.84	-6.50	0.58	0.89
22.	Return on equity	17.63	15.75	9.18	10.53	9.89	-39.35	14.78	20.47
23.	Cost of deposits	8.48	8.20	6.77	6.44	9.43	9.53	9.47	8.64
24.	Cost of borrowings	15.65	20.25	6.01	267.63	20.17	13.78	5.58	7.35
25.	Cost of funds	8.62	8.34	6.77	6.67	10.08	9.79	9.36	8.62
26.	Return on advances	14.93	14.28	10.16	9.63	11.17	9.46	14.31	13.51
27.	Return on investments	12.36	12.66	11.05	14.88	12.05	11.83	12.73	11.62
28.	Return on advances adjusted to cost of funds	6.31	5.94	3.39	2.96	1.10	-0.33	4.94	4.89
29.	Return on investments adjusted to cost of funds	3.74	4.32	4.28	8.21	1.97	2.05	3.37	3.00
30.	Business per employee (in Rs. lakh)	114.75	145.87	66.82	74.58	724.99	706.37	129.00	171.00
31.	Profit per employee (in Rs. lakh)	0.64	0.75	0.24	0.30	9.63	-36.20	0.64	1.11
32.	Capital adequacy ratio	11.56	10.00	12.13	11.47	24.32	19.85	10.41	11.17
33.	Capital adequacy ratio - Tier I	10.60	9.42	8.54	8.37	24.12	19.48	8.07	8.36
34.	Capital adequacy ratio - Tier II	0.96	0.58	3.59	3.10	0.20	0.37	2.34	2.81
35.	Ratio of net NPA to net advances	8.70	7.58	7.56	6.64	13.97	22.56	8.67	15.85

(per cent)

		As on March 31

	Ratios	Tamilnad		United Western		UTI Bank		Vysya Bank
		Mercantile Bank		Bank

		2000	2001	2000	2001	2000	2001	2000	2001

		(57)	(58)	(59)	(60)	(61)	(62)	(63)	(64)

1.	Cash-deposit ratio	12.72	10.36	10.05	7.70	7.01	9.69	8.24	8.15
2.	Credit-deposit ratio	47.10	49.67	54.22	52.63	61.30	53.02	53.04	53.02
3.	Investment-deposit ratio	46.50	46.44	31.34	32.93	36.10	46.11	36.85	33.10
4.	(Credit + investment)-deposit ratio	93.60	96.11	85.56	85.56	97.41	99.14	89.89	86.12
5.	Ratio of deposits to total liabilities	86.61	87.18	90.21	90.86	85.77	84.45	83.08	80.13
6.	Ratio of term deposits to total deposits	71.90	73.14	72.21	75.99	83.01	84.62	79.36	78.49
7.	Ratio of priority sector advances to total advances	44.00	42.12	35.84	36.15	8.64	7.22	37.46	32.76
8.	Ratio of term-loans to total advances	26.77	28.93	21.01	24.60	10.17	21.84	42.91	41.98
9.	Ratio of secured advances to total advances	97.70	95.80	85.23	91.12	90.04	77.90	75.95	70.52
10.	Ratio of investments in non-approved securities to total investments	50.14	44.97	34.87	28.84	33.78	42.23	36.67	28.79
11.	Ratio of Interest income to total assets	11.29	11.14	9.60	8.95	9.13	10.21	9.60	9.31
12.	Ratio of net interest margin to total assets	3.20	3.58	2.63	2.07	1.71	1.13	1.34	1.82
13.	Ratio of non-interest income to total assets	1.81	1.52	2.77	0.88	1.72	1.87	2.26	1.30
14.	Ratio of intermediation cost to total assets	2.38	2.07	2.14	1.78	1.24	1.48	2.14	1.91
15.	Ratio of wage bills to intermediation cost	61.57	61.07	70.94	66.94	23.59	22.15	55.04	56.77
16.	Ratio of wage bills to total expenses	14.01	13.13	16.65	13.74	3.37	3.10	11.31	11.55
17.	Ratio of wage bills to total income	11.20	9.99	12.26	12.10	2.69	2.71	9.92	10.24
18.	Ratio of burden to total assets	0.57	0.55	-0.64	0.90	-0.49	-0.39	-0.12	0.62
19.	Ratio of burden to interest income	5.08	4.97	-6.63	10.06	-5.33	-3.85	-1.25	6.63
20.	Ratio of operating profits to total assets	2.63	3.03	3.26	1.17	2.20	1.52	1.46	1.20
21.	Return on assets	1.32	1.37	1.16	0.00	0.77	0.80	0.55	0.37
22.	Return on equity	19.69	20.03	26.10	1.30	22.86	31.84	8.62	6.20
23.	Cost of deposits	9.04	8.27	7.22	7.10	7.76	9.50	9.34	8.52
24.	Cost of borrowings	2.24	4.99	17.41	15.29	4.64	3.99	7.55	9.72
25.	Cost of funds	8.91	8.24	7.42	7.22	7.43	8.94	9.27	8.59
26.	Return on advances	13.47	12.63	12.44	10.30	10.45	11.37	11.43	11.06
27.	Return on investments	14.32	13.69	11.55	11.71	9.92	11.95	11.03	11.80
28.	Return on advances adjusted to cost of funds	4.56	4.39	5.03	3.08	3.03	2.43	2.17	2.47
29.	Return on investments adjusted to cost of funds	5.41	5.45	4.13	4.49	2.49	3.01	1.77	3.21
30.	Business per employee (in Rs. lakh)	180.28	214.94	179.00	212.00	1101.00	959.00	186.14	199.59
31.	Profit per employee (in Rs. lakh)	1.89	2.29	1.64	0.00	6.91	7.27	0.76	0.63
32.	Capital adequacy ratio	18.02	17.59	11.94	8.59	11.37	9.00	12.24	12.05
33.	Capital adequacy ratio - Tier I	15.99	15.81	8.55	6.62	7.99	5.84	8.20	8.44
34.	Capital adequacy ratio - Tier II	2.03	1.78	3.39	2.97	3.38	3.16	4.04	3.61
35.	Ratio of net NPA to net advances	5.77	5.99	4.83	9.48	4.71	3.43	9.11	4.77

@: During March 2001, Bank of Madura has been merged with ICICI Bank. The data as on March 31,2001 represent merged banks' figures.
Source : Compiled form annual accounts of banks of respective years.