Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 4 of 4) - ଆରବିଆଇ - Reserve Bank of India
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. |