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Table B12 : Selected ratios of Scheduled Commercial Banks - 2012 and 2013

STATE BANK OF INDIA & ITS ASSOCIATES

(In per cent)

Items

State Bank of
Bikaner & Jaipur

State Bank of
Hyderabad

State Bank of India

State Bank of
Mysore

2012

2013

2012

2013

2012

2013

2012

2013

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1. Cash - Deposit Ratio

7.04

8.54

5.81

5.63

5.18

5.47

6.03

4.22

2. Credit - Deposit Ratio

79.98

79.78

78.04

79.29

83.13

86.94

79.37

78.87

3. Investment - Deposit Ratio

27.07

27.94

29.62

29.97

29.91

29.18

29.36

29.45

4. (Credit + Investment) - Deposit Ratio

107.05

107.72

107.66

109.27

113.04

116.11

108.73

108.32

5. Ratio of deposits to total liabilities

84.89

83.84

83.45

83.28

78.15

76.79

83.08

84.73

6. Ratio of demand & savings bank deposits to total deposits

37.35

35.88

27.87

28.86

44.81

44.82

32.21

31.55

7. Ratio of priority sector advances to total advances

35.35

35.31

34.53

33.72

28.84

25.28

28.26

29.86

8. Ratio of term loans to total advances

53.91

50.81

56.37

55.36

47.98

47.01

55.22

56.71

9. Ratio of secured advances to total advances

85.84

89.84

88.08

87.85

81.04

82.64

86.51

89.52

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

2.91

12.25

7.61

6.53

18.05

23.27

11.95

13.80

11. Ratio of interest income to total assets

9.29

9.46

9.46

9.79

8.32

8.25

9.03

9.35

12. Ratio of net interest income to total assets
(Net Interest Margin)

3.28

3.24

2.99

3.08

3.38

3.06

2.82

2.88

13. Ratio of non-interest income to total assets

0.88

0.92

0.91

0.77

1.12

1.11

0.92

0.93

14. Ratio of intermediation cost to total assets

1.96

1.99

1.54

1.65

2.04

2.02

1.85

1.73

15. Ratio of wage bills to intermediation cost

61.61

62.53

66.33

67.24

65.11

62.77

59.61

57.95

16. Ratio of wage bills to total expense

15.18

15.17

12.77

13.31

19.01

17.57

13.68

12.24

17. Ratio of wage bills to total income

11.90

12.01

9.86

10.54

14.04

13.55

11.09

9.76

18. Ratio of burden to total assets

1.08

1.08

0.63

0.89

0.92

0.91

0.93

0.80

19. Ratio of burden to interest income

11.63

11.38

6.68

9.07

11.00

11.07

10.33

8.54

20. Ratio of operating profits to total assets

2.20

2.16

2.36

2.19

2.47

2.14

1.88

2.09

21. Return on assets

0.99

0.96

1.15

0.99

0.88

0.91

0.67

0.66

22. Return on equity

18.59

16.36

21.98

17.70

15.72

15.43

9.62

10.00

23. Cost of deposits

6.65

6.95

7.28

7.66

5.63

6.01

6.90

7.05

24. Cost of borrowings

7.75

6.56

8.20

7.16

6.15

5.31

7.07

8.34

25. Cost of funds

6.46

6.65

6.92

7.29

5.35

5.63

6.66

6.92

26. Return on advances

11.23

11.22

11.54

11.45

9.98

9.46

11.00

11.30

27. Return on investments

7.72

7.91

7.85

8.19

7.88

8.20

7.23

7.35

28. Return on advances adjusted to cost of funds

4.77

4.57

4.62

4.16

4.63

3.83

4.34

4.38

29. Return on investments adjusted to cost of funds

1.27

1.26

0.93

0.89

2.53

2.57

0.57

0.43

30. Business per employee (in Rupees Million)

82.70

90.00

116.87

138.79

79.84

94.39

88.10

95.50

31. Profit per employee (in Rupees Million)

0.50

0.60

0.86

0.83

0.53

0.65

0.40

0.40

32. Capital adequacy ratio

13.76

12.16

13.56

12.36

13.86

12.92

12.55

11.79

33. Capital adequacy ratio - Tier I

9.76

9.11

9.62

9.25

9.79

9.49

9.18

8.87

34. Capital adequacy ratio - Tier II

4.00

3.05

3.94

3.11

4.07

3.43

3.37

2.92

35. Ratio of net NPA to net advances

1.92

2.27

1.30

1.61

1.82

2.10

1.93

2.69

Source : Annual accounts of Banks.

TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31(Contd.)

STATE BANK OF INDIA & ITS ASSOCIATES

(In per cent)

Items

State Bank of Patiala

State Bank of
Travancore

2012

2013

2012

2013

(9)

(10)

(11)

(12)

1. Cash - Deposit Ratio

8.98

4.52

6.68

5.37

2. Credit - Deposit Ratio

79.25

83.23

77.44

79.75

3. Investment - Deposit Ratio

27.76

27.02

31.39

32.17

4. (Credit + Investment) - Deposit Ratio

107.00

110.24

108.83

111.92

5. Ratio of deposits to total liabilities

80.60

81.69

83.12

83.31

6. Ratio of demand & savings bank deposits to total deposits

24.55

25.13

27.34

25.79

7. Ratio of priority sector advances to total advances

32.23

31.33

36.21

36.30

8. Ratio of term loans to total advances

51.80

50.43

47.90

49.76

9. Ratio of secured advances to total advances

95.15

94.54

83.62

87.33

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

12.61

16.34

18.93

14.19

11. Ratio of interest income to total assets

9.03

9.24

8.79

9.21

12. Ratio of net interest income to total assets (Net Interest Margin)

2.60

2.37

2.42

2.27

13. Ratio of non-interest income to total assets

0.84

0.73

0.74

0.70

14. Ratio of intermediation cost to total assets

1.47

1.54

1.57

1.53

15. Ratio of wage bills to intermediation cost

63.08

60.33

64.06

61.86

16. Ratio of wage bills to total expense

11.74

11.02

12.65

11.15

17. Ratio of wage bills to total income

9.41

9.29

10.54

9.53

18. Ratio of burden to total assets

0.64

0.80

0.83

0.83

19. Ratio of burden to interest income

7.05

8.69

9.41

9.00

20. Ratio of operating profits to total assets

1.96

1.56

1.59

1.44

21. Return on assets

0.93

0.68

0.65

0.66

22. Return on equity

17.95

13.17

13.93

14.94

23. Cost of deposits

7.17

7.61

6.74

7.51

24. Cost of borrowings

6.27

7.34

9.46

7.86

25. Cost of funds

6.54

6.94

6.20

6.88

26. Return on advances

11.25

11.18

10.65

10.98

27. Return on investments

7.60

7.55

7.17

7.31

28. Return on advances adjusted to cost of funds

4.71

4.24

4.45

4.11

29. Return on investments adjusted to cost of funds

1.06

0.61

0.96

0.44

30. Business per employee (in Rupees Million)

105.57

113.50

106.60

125.90

31. Profit per employee (in Rupees Million)

0.59

0.46

0.42

0.50

32. Capital adequacy ratio

12.30

11.12

13.55

11.70

33. Capital adequacy ratio - Tier I

8.60

8.02

9.35

8.46

34. Capital adequacy ratio - Tier II

3.70

3.10

4.20

3.24

35. Ratio of net NPA to net advances

1.35

1.62

1.54

1.46

Source : Annual accounts of Banks.

TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31(Contd.)

NATIONALISED BANKS

(In per cent)

Items

Allahabad Bank

Andhra Bank

Bank of Baroda

Bank of India

2012

2013

2012

2013

2012

2013

2012

2013

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1. Cash - Deposit Ratio

5.46

4.37

5.26

4.86

5.63

2.84

4.71

5.75

2. Credit - Deposit Ratio

69.64

72.45

78.62

79.46

74.67

69.25

78.20

75.78

3. Investment - Deposit Ratio

34.01

32.62

27.99

30.40

21.62

25.62

27.26

24.78

4. (Credit + Investment) - Deposit Ratio

103.66

105.07

106.61

109.86

96.29

94.87

105.46

100.56

5. Ratio of deposits to total liabilities

87.24

87.46

84.99

84.62

86.04

86.61

82.75

84.37

6. Ratio of demand & savings bank deposits to total deposits

30.49

30.73

26.40

25.65

26.90

25.32

26.65

25.64

7. Ratio of priority sector advances to total advances

33.65

30.43

33.24

35.19

22.59

24.21

22.56

22.45

8. Ratio of term loans to total advances

51.16

50.57

46.46

46.52

44.14

43.10

40.03

39.85

9. Ratio of secured advances to total advances

89.45

88.58

87.55

93.25

83.67

87.28

78.94

85.92

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

16.58

21.42

9.76

12.36

16.65

15.83

17.42

15.98

11. Ratio of interest income to total assets

9.29

 9.00

9.71

9.53

7.37

7.08

7.74

7.62

12. Ratio of net interest income to total assets (Net Interest Margin)

3.09

2.51

3.22

2.77

2.56

2.28

2.26

2.16

13. Ratio of non-interest income to total assets

0.78

0.76

0.74

0.77

0.85

0.73

0.90

0.90

14. Ratio of intermediation cost to total assets

1.61

1.53

1.55

1.50

1.28

1.20

1.34

1.27

15. Ratio of wage bills to intermediation cost

68.16

67.14

63.73

63.17

57.87

58.01

62.12

58.72

16. Ratio of wage bills to total expense

14.06

12.79

12.25

11.50

12.18

11.57

12.22

11.09

17. Ratio of wage bills to total income

10.91

10.50

9.43

9.22

9.02

8.88

9.65

8.78

18. Ratio of burden to total assets

0.83

0.76

0.81

0.73

0.43

0.47

0.44

0.37

19. Ratio of burden to interest income

8.97

8.50

8.33

7.67

5.85

6.58

5.69

4.91

20. Ratio of operating profits to total assets

2.26

1.75

2.41

2.04

2.13

1.81

1.82

1.78

21. Return on assets

1.02

0.64

1.19

0.99

1.24

0.90

0.72

0.65

22. Return on equity

19.64

10.84

19.25

16.19

20.64

15.07

14.00

12.25

23. Cost of deposits

6.69

7.12

7.02

7.45

5.15

5.23

5.82

5.78

24. Cost of borrowings

7.72

5.43

7.98

6.23

6.91

5.73

8.17

7.84

25. Cost of funds

6.44

6.83

6.83

7.13

5.00

5.04

5.69

5.66

26. Return on advances

11.39

10.59

12.00

11.37

8.67

8.40

8.76

8.60

27. Return on investments

7.62

7.95

7.33

7.36

8.00

7.32

8.27

8.01

28. Return on advances adjusted to cost of funds

4.95

3.76

5.17

4.25

3.67

3.36

3.07

2.94

29. Return on investments adjusted to cost of funds

1.18

1.11

0.51

0.23

3.00

2.27

2.58

2.35

30. Business per employee (in Rupees Million)

121.70

137.30

126.20

135.50

146.60

168.90

136.00

158.20

31. Profit per employee (in Rupees Million)

0.84

0.53

0.90

0.90

1.20

1.00

0.64

0.64

32. Capital adequacy ratio

12.83

11.03

13.18

11.76

14.67

13.30

11.95

11.02

33. Capital adequacy ratio - Tier I

9.13

8.05

9.03

8.52

10.83

10.13

8.59

8.20

34. Capital adequacy ratio - Tier II

3.70

2.98

4.15

3.24

3.84

3.17

3.36

2.82

35. Ratio of net NPA to net advances

0.98

3.19

0.91

2.45

0.54

1.28

1.47

2.06

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(In per cent)

Items

Bank of Maharashtra

Canara Bank

Central Bank of India

Corporation Bank

2012

2013

2012

2013

2012

2013

2012

2013

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1. Cash - Deposit Ratio

5.93

5.58

5.44

4.33

6.68

6.00

6.82

5.33

2. Credit - Deposit Ratio

73.25

80.00

71.09

68.05

75.20

76.06

73.80

71.51

3. Investment - Deposit Ratio

34.02

33.32

31.21

34.04

30.20

32.12

34.87

35.04

4. (Credit + Investment) - Deposit Ratio

107.27

113.32

102.29

102.09

105.39

108.19

108.67

106.55

5. Ratio of deposits to total liabilities

83.97

80.66

87.41

86.30

85.37

84.30

83.24

85.82

6. Ratio of demand & savings bank deposits to total deposits

41.33

40.79

24.34

24.18

33.27

32.55

22.12

21.68

7. Ratio of priority sector advances to total advances

33.63

32.25

29.80

33.88

26.11

29.10

29.19

31.35

8. Ratio of term loans to total advances

62.59

60.51

50.58

53.53

65.21

62.17

52.90

49.36

9. Ratio of secured advances to total advances

81.09

85.48

75.47

82.59

75.40

87.43

72.26

84.01

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

20.70

19.27

13.02

15.80

14.28

17.12

21.98

19.87

11. Ratio of interest income to total assets

8.61

9.24

8.69

8.67

8.71

8.78

8.48

8.59

12. Ratio of net interest income to total assets (Net Interest Margin)

3.00

2.92

2.17

2.00

2.35

2.30

2.05

1.92

13. Ratio of non-interest income to total assets

0.76

0.88

0.82

0.80

0.63

0.67

0.97

0.90

14. Ratio of intermediation cost to total assets

1.96

1.73

1.32

1.31

1.71

1.70

1.16

1.12

15. Ratio of wage bills to intermediation cost

67.76

66.11

63.61

63.27

66.85

68.32

51.20

49.60

16. Ratio of wage bills to total expense

17.56

14.18

10.68

10.38

14.14

14.21

7.84

7.12

17. Ratio of wage bills to total income

14.17

11.29

8.80

8.74

12.20

12.29

6.29

5.85

18. Ratio of burden to total assets

1.20

0.85

0.49

0.51

1.07

1.03

0.19

0.22

19. Ratio of burden to interest income

13.89

9.20

5.66

5.84

12.29

11.73

2.23

2.54

20. Ratio of operating profits to total assets

1.81

2.07

1.67

1.50

1.28

1.27

1.86

1.70

21. Return on assets

0.55

0.74

0.95

0.77

0.26

0.44

1.06

0.88

22. Return on equity

9.91

13.66

15.36

12.08

4.57

7.31

19.54

16.08

23. Cost of deposits

5.99

6.88

7.08

7.39

6.92

7.08

7.13

7.35

24. Cost of borrowings

8.04

7.07

8.05

5.30

7.63

7.58

5.64

5.98

25. Cost of funds

5.75

6.49

6.89

7.07

6.55

6.67

6.54

6.89

26. Return on advances

10.67

11.10

10.57

10.27

10.40

10.59

10.21

10.45

27. Return on investments

7.04

7.77

7.59

8.17

7.64

7.25

6.75

6.50

28. Return on advances adjusted to cost of funds

4.91

4.60

3.68

3.20

3.85

3.93

3.67

3.56

29. Return on investments adjusted to cost of funds

1.29

1.27

0.70

1.09

1.09

0.58

0.21

-0.39

30. Business per employee (in Rupees Million)

96.70

125.60

137.44

142.02

86.16

97.30

171.30

192.13

31. Profit per employee (in Rupees Million)

0.31

0.56

0.82

0.70

0.15

0.28

1.09

0.97

32. Capital adequacy ratio

12.43

12.59

13.76

12.40

12.40

11.49

13.00

12.33

33. Capital adequacy ratio - Tier I

8.31

7.57

10.35

9.77

7.79

8.09

8.33

8.33

34. Capital adequacy ratio - Tier II

4.12

5.02

3.41

2.63

4.61

3.40

4.67

4.00

35. Ratio of net NPA to net advances

0.84

0.52

1.46

2.18

3.09

2.90

0.87

1.19

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(In per cent)

Items

Dena Bank

IDBI Bank Ltd.

Indian Bank

Indian Overseas
Bank

2012

2013

2012

2013

2012

2013

2012

2013

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

1. Cash - Deposit Ratio

6.73

8.89

7.17

4.64

5.23

4.98

5.72

4.87

2. Credit - Deposit Ratio

73.47

67.67

85.79

86.43

74.77

74.41

78.87

79.34

3. Investment - Deposit Ratio

29.84

35.33

39.51

43.50

31.44

29.44

31.14

30.38

4. (Credit + Investment) - Deposit Ratio

103.31

103.00

125.30

129.94

106.20

103.85

110.01

109.72

5. Ratio of deposits to total liabilities

88.30

85.69

72.50

70.37

85.42

87.20

81.24

82.62

6. Ratio of demand & savings bank deposits to total deposits

34.55

28.96

24.10

25.12

30.55

27.60

26.42

26.51

7. Ratio of priority sector advances to total advances

30.26

28.15

26.82

17.53

32.98

34.17

30.03

31.07

8. Ratio of term loans to total advances

50.36

53.44

72.75

71.73

57.54

55.16

51.84

49.70

9. Ratio of secured advances to total advances

82.68

87.16

92.59

92.74

80.51

84.65

85.81

89.50

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

15.65

22.08

22.09

27.95

21.68

25.53

9.97

11.55

11. Ratio of interest income to total assets

8.59

8.86

8.60

8.18

9.30

9.13

8.98

8.91

12. Ratio of net interest income to total assets (Net Interest Margin)

2.66

2.37

1.67

1.75

3.36

2.97

2.52

2.26

13. Ratio of non-interest income to total assets

0.74

0.65

0.78

1.05

0.94

0.85

0.84

0.85

14. Ratio of intermediation cost to total assets

1.46

1.29

0.96

1.02

1.66

1.81

1.59

1.47

15. Ratio of wage bills to intermediation cost

61.89

60.92

44.50

49.08

67.85

71.76

65.85

65.98

16. Ratio of wage bills to total expense

12.22

10.13

5.41

6.74

14.84

16.29

12.99

11.94

17. Ratio of wage bills to total income

9.69

8.29

4.55

5.44

11.02

13.00

10.64

9.93

18. Ratio of burden to total assets

0.72

0.64

0.18

-0.03

0.73

0.96

0.74

0.62

19. Ratio of burden to interest income

8.43

7.24

2.12

-0.34

7.81

10.53

8.28

6.94

20. Ratio of operating profits to total assets

1.93

1.73

1.49

1.78

2.63

2.01

1.77

1.64

21. Return on assets

1.08

0.86

0.83

0.72

1.31

1.02

0.52

0.24

22. Return on equity

19.75

15.83

11.95

9.26

17.19

13.89

9.88

4.47

23. Cost of deposits

6.41

7.15

7.18

6.99

6.58

6.87

6.94

7.29

24. Cost of borrowings

5.92

4.59

9.13

7.39

10.12

8.94

7.63

6.61

25. Cost of funds

6.19

6.74

6.21

5.95

6.67

6.92

7.02

7.22

26. Return on advances

10.17

11.14

10.64

10.37

11.38

10.82

10.76

10.57

27. Return on investments

7.39

7.04

6.99

5.86

7.67

8.12

7.57

7.48

28. Return on advances adjusted to cost of funds

3.98

4.39

4.44

4.43

4.71

3.91

3.73

3.35

29. Return on investments adjusted to cost of funds

1.20

0.30

0.78

-0.08

1.00

1.20

0.54

0.26

30. Business per employee (in Rupees Million)

128.40

143.10

238.33

256.44

111.40

130.10

117.60

128.80

31. Profit per employee (in Rupees Million)

0.79

0.73

1.32

1.22

0.93

0.84

0.38

0.20

32. Capital adequacy ratio

11.51

11.03

14.58

13.13

13.47

13.08

13.32

11.85

33. Capital adequacy ratio - Tier I

8.86

7.26

8.38

7.68

11.13

10.88

8.35

7.80

34. Capital adequacy ratio - Tier II

2.65

3.77

6.20

5.45

2.34

2.20

4.97

4.05

35. Ratio of net NPA to net advances

1.01

1.39

1.61

1.58

1.33

2.26

1.35

2.50

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(In per cent)

Items

Oriental Bank of
Commerce

Punjab and Sind
Bank

Punjab National
Bank

Syndicate Bank

2012

2013

2012

2013

2012

2013

2012

2013

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

1. Cash - Deposit Ratio

5.43

4.65

5.77

4.60

4.87

4.57

5.58

4.37

2. Credit - Deposit Ratio

71.80

73.31

73.11

72.81

77.39

78.84

78.27

79.61

3. Investment - Deposit Ratio

33.41

33.29

31.79

31.91

32.33

33.17

25.84

24.63

4. (Credit + Investment) - Deposit Ratio

105.20

106.60

104.90

104.72

109.72

112.02

104.11

104.24

5. Ratio of deposits to total liabilities

87.85

87.64

86.58

87.78

82.84

81.77

86.56

86.16

6. Ratio of demand & savings bank deposits to total deposits

24.13

24.55

23.93

22.28

35.34

39.16

29.45

28.03

7. Ratio of priority sector advances to total advances

35.75

35.86

28.01

27.20

31.33

30.04

29.46

26.63

8. Ratio of term loans to total advances

56.20

55.21

68.74

67.86

48.59

46.45

79.93

79.11

9. Ratio of secured advances to total advances

92.68

93.58

81.28

88.26

91.61

92.11

77.85

83.22

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

24.35

24.62

14.78

16.97

18.52

17.00

10.51

11.97

11. Ratio of interest income to total assets

9.33

9.36

9.15

9.57

8.72

8.94

9.01

8.61

12. Ratio of net interest income to total assets (Net Interest Margin)

2.49

2.49

2.12

2.14

3.21

3.17

3.00

2.74

13. Ratio of non-interest income to total assets

0.73

0.87

0.59

0.54

1.00

0.90

0.63

0.59

14. Ratio of intermediation cost to total assets

1.37

1.41

1.64

1.46

1.67

1.74

1.66

1.60

15. Ratio of wage bills to intermediation cost

58.60

59.14

71.85

69.11

67.45

69.50

67.21

68.55

16. Ratio of wage bills to total expense

9.75

10.06

13.58

11.34

15.71

16.12

14.55

14.68

17. Ratio of wage bills to total income

7.96

8.14

12.08

9.97

11.61

12.31

11.57

11.91

18. Ratio of burden to total assets

0.63

0.53

1.05

0.92

0.67

0.84

1.03

1.01

19. Ratio of burden to interest income

6.80

5.71

11.45

9.57

7.68

9.43

11.38

11.71

20. Ratio of operating profits to total assets

1.85

1.95

1.07

1.22

2.54

2.33

1.97

1.74

21. Return on assets

0.67

0.71

0.65

0.44

1.19

1.00

0.81

1.07

22. Return on equity

9.91

10.74

11.21

7.66

19.80

15.70

16.32

20.47

23. Cost of deposits

7.60

7.56

7.61

8.11

6.18

6.61

6.35

6.26

24. Cost of borrowings

7.09

6.97

9.51

9.27

4.84

4.00

8.52

7.80

25. Cost of funds

7.36

7.35

7.43

7.90

5.73

6.11

6.00

5.91

26. Return on advances

11.62

11.42

11.16

11.70

10.61

10.57

10.74

9.97

27. Return on investments

7.22

6.97

7.59

7.41

7.10

7.55

7.21

7.47

28. Return on advances adjusted to cost of funds

4.26

4.08

3.72

3.80

4.88

4.46

4.74

4.07

29. Return on investments adjusted to cost of funds

-0.13

-0.38

0.16

-0.49

1.37

1.43

1.21

1.57

30. Business per employee (in Rupees Million)

146.22

162.03

130.20

137.00

113.20

116.51

107.41

125.70

31. Profit per employee (in Rupees Million)

0.62

0.70

0.60

0.40

0.84

0.81

0.53

0.81

32. Capital adequacy ratio

12.69

12.04

13.26

12.91

12.63

12.72

12.24

12.59

33. Capital adequacy ratio - Tier I

10.12

9.18

8.55

8.38

9.28

9.76

8.94

8.96

34. Capital adequacy ratio - Tier II

2.57

2.86

4.71

4.53

3.35

2.96

3.30

3.63

35. Ratio of net NPA to net advances

2.21

2.27

1.19

2.16

1.52

2.35

0.96

0.76

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(In per cent)

Items

UCO Bank

Union Bank of India

United Bank of India

Vijaya Bank

2012

2013

2012

2013

2012

2013

2012

2013

 

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

1. Cash - Deposit Ratio

5.07

3.29

5.22

4.08

5.71

3.82

5.47

4.04

2. Credit - Deposit Ratio

75.02

73.97

79.81

78.90

70.74

68.46

69.72

71.91

3. Investment - Deposit Ratio

29.72

30.12

27.98

30.65

32.61

33.25

34.49

32.25

4. (Credit + Investment) - Deposit Ratio

104.75

104.09

107.80

109.54

103.35

101.71

104.20

104.16

5. Ratio of deposits to total liabilities

85.32

87.30

85.00

84.58

87.36

87.82

86.73

87.42

6. Ratio of demand & savings bank deposits to total deposits

22.34

32.14

31.28

30.95

40.77

39.65

22.02

20.97

7. Ratio of priority sector advances to total advances

25.03

25.98

23.87

26.60

35.15

36.49

29.56

27.54

8. Ratio of term loans to total advances

63.86

60.44

43.71

46.45

69.10

69.93

53.47

52.38

9. Ratio of secured advances to total advances

76.08

89.43

78.57

85.74

80.49

86.74

74.25

78.53

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

12.80

17.02

19.05

23.59

21.87

23.30

17.24

16.69

11. Ratio of interest income to total assets

8.51

8.84

8.44

8.75

8.29

8.54

8.99

8.76

12. Ratio of net interest income to total assets (Net Interest Margin)

2.27

2.42

2.73

2.63

2.58

2.30

2.14

1.82

13. Ratio of non-interest income to total assets

0.56

0.50

0.98

0.89

0.76

0.98

0.59

0.59

14. Ratio of intermediation cost to total assets

1.20

1.15

1.60

1.57

1.44

1.39

1.35

1.32

15. Ratio of wage bills to intermediation cost

67.26

64.01

62.18

61.06

64.42

62.01

61.59

62.26

16. Ratio of wage bills to total expense

10.82

9.71

13.61

12.47

12.98

11.28

10.16

9.94

17. Ratio of wage bills to total income

8.87

7.87

10.56

9.95

10.25

9.04

8.69

8.79

18. Ratio of burden to total assets

0.63

0.65

0.62

0.68

0.68

0.40

0.76

0.73

19. Ratio of burden to interest income

7.45

7.31

7.32

7.80

8.17

4.73

8.43

8.35

20. Ratio of operating profits to total assets

1.64

1.77

2.11

1.94

1.90

1.89

1.38

1.09

21. Return on assets

0.69

0.33

0.79

0.79

0.70

0.38

0.66

0.59

22. Return on equity

13.83

6.76

13.05

13.52

11.93

6.84

11.54

10.83

23. Cost of deposits

6.65

7.03

6.30

6.80

6.11

6.57

7.43

7.61

24. Cost of borrowings

8.51

5.93

5.31

4.94

8.17

10.81

7.52

5.50

25. Cost of funds

6.44

6.68

5.93

6.37

5.88

6.39

7.10

7.14

26. Return on advances

10.61

10.55

9.75

9.92

10.35

10.46

11.35

10.67

27. Return on investments

7.12

7.42

7.57

7.92

6.79

7.23

6.96

7.20

28. Return on advances adjusted to cost of funds

4.17

3.87

3.81

3.55

4.47

4.06

4.24

3.52

29. Return on investments adjusted to cost of funds

0.68

0.74

1.63

1.55

0.91

0.83

-0.14

0.06

30. Business per employee (in Rupees Million)

116.40

118.90

107.00

121.50

97.10

108.30

112.80

124.00

31. Profit per employee (in Rupees Million)

0.51

0.27

0.60

0.70

0.41

0.25

0.50

0.50

32. Capital adequacy ratio

12.35

14.15

11.85

11.45

12.69

11.66

13.06

11.32

33. Capital adequacy ratio - Tier I

8.09

9.06

8.37

8.23

8.79

8.40

9.68

8.54

34. Capital adequacy ratio - Tier II

4.26

5.09

3.48

3.22

3.90

3.26

3.38

2.78

35. Ratio of net NPA to net advances

1.96

3.17

1.70

1.61

1.72

2.87

1.72

1.30

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

OLD PRIVATE SECTOR BANKS

(In per cent)

Items

Catholic Syrian Bank

City Union Bank

Dhanlaxmi Bank

Federal Bank

2012

2013

2012

2013

2012

2013

2012

2013

 

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1. Cash - Deposit Ratio

6.47

5.10

4.99

5.01

7.35

4.55

4.95

4.76

2. Credit - Deposit Ratio

72.26

71.72

74.28

75.09

74.19

69.42

77.15

76.54

3. Investment - Deposit Ratio

29.66

26.75

28.07

25.94

36.94

41.82

35.56

36.72

4. (Credit + Investment) - Deposit Ratio

101.92

98.47

102.34

101.02

111.13

111.24

112.71

113.25

5. Ratio of deposits to total liabilities

88.01

90.61

89.05

88.37

80.43

81.06

80.72

81.09

6. Ratio of demand & savings bank deposits to total deposits

19.32

17.53

18.19

16.77

19.35

22.46

27.54

27.17

7. Ratio of priority sector advances to total advances

33.78

21.62

36.23

37.65

32.09

28.93

32.28

26.07

8. Ratio of term loans to total advances

31.05

25.18

35.33

32.67

80.09

77.28

37.66

36.48

9. Ratio of secured advances to total advances

96.07

96.48

96.81

98.06

89.59

90.23

77.19

83.40

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

11.26

10.49

16.11

13.34

4.51

7.02

33.74

31.10

11. Ratio of interest income to total assets

9.83

10.29

10.30

10.59

9.63

9.18

9.92

9.37

12. Ratio of net interest income to total assets (Net Interest Margin)

2.81

2.64

3.03

3.02

1.71

1.94

3.49

3.00

13. Ratio of non-interest income to total assets

0.78

0.74

1.26

1.32

0.99

0.80

0.95

1.01

14. Ratio of intermediation cost to total assets

2.73

2.59

1.70

1.81

3.38

2.38

1.75

1.79

15. Ratio of wage bills to intermediation cost

71.07

70.49

43.71

40.32

56.03

55.04

55.54

53.11

16. Ratio of wage bills to total expense

19.89

17.81

8.28

7.78

16.75

13.62

11.86

11.66

17. Ratio of wage bills to total income

18.29

16.53

6.42

6.13

17.82

13.13

8.93

9.17

18. Ratio of burden to total assets

1.95

1.85

0.44

0.49

2.39

1.58

0.80

0.78

19. Ratio of burden to interest income

19.85

17.96

4.28

4.59

24.78

17.20

8.04

8.35

20. Ratio of operating profits to total assets

0.85

0.79

2.59

2.53

-0.68

0.36

2.69

2.22

21. Return on assets

0.24

0.25

1.71

1.58

-0.73

0.02

1.41

1.35

22. Return on equity

4.66

4.94

24.91

22.33

-14.70

0.35

14.37

13.89

23. Cost of deposits

7.64

8.28

7.97

8.21

8.35

7.96

7.25

7.20

24. Cost of borrowings

6.81

8.11

11.43

14.59

11.12

6.97

8.93

7.54

25. Cost of funds

7.36

8.07

7.95

8.16

8.25

7.28

6.89

6.75

26. Return on advances

12.41

13.01

12.98

13.24

12.07

11.75

12.02

11.33

27. Return on investments

6.88

7.02

7.40

7.56

7.84

7.19

8.24

7.60

28. Return on advances adjusted to cost of funds

5.05

4.94

5.03

5.07

3.82

4.47

5.13

4.57

29. Return on investments adjusted to cost of funds

-0.48

-1.05

-0.55

-0.61

-0.41

-0.09

1.35

0.85

30. Business per employee (in Rupees Million)

67.50

73.60

84.70

93.80

59.29

72.97

101.10

107.50

31. Profit per employee (in Rupees Million)

0.10

0.12

0.80

0.90

-0.33

0.01

0.90

0.90

32. Capital adequacy ratio

11.08

12.29

12.57

13.98

9.49

11.06

16.64

14.73

33. Capital adequacy ratio - Tier I

8.83

9.62

11.69

13.27

7.42

8.05

15.86

14.09

34. Capital adequacy ratio - Tier II

2.25

2.67

0.88

0.71

2.07

3.01

0.78

0.64

35. Ratio of net NPA to net advances

1.10

1.12

0.44

0.63

0.66

3.36

0.53

0.98

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

OLD PRIVATE SECTOR BANKS

(In per cent)

Items

ING Vysya Bank

Jammu & Kashmir Bank

Karnataka Bank

Karur Vysya Bank

2012

2013

2012

2013

2012

2013

2012

2013

 

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1. Cash - Deposit Ratio

5.63

4.70

5.22

4.20

5.39

4.76

5.98

4.21

2. Credit - Deposit Ratio

81.61

76.87

62.00

61.04

65.55

69.91

74.58

76.27

3. Investment - Deposit Ratio

36.13

44.22

40.54

40.08

40.63

37.25

32.72

35.80

4. (Credit + Investment) - Deposit Ratio

117.73

121.09

102.54

101.12

106.18

107.17

107.30

112.07

5. Ratio of deposits to total liabilities

74.91

75.38

88.51

89.51

87.02

86.83

85.32

82.71

6. Ratio of demand & savings bank deposits to total deposits

34.28

32.50

40.71

39.23

24.56

24.91

19.16

19.25

7. Ratio of priority sector advances to total advances

33.06

34.47

30.11

29.20

36.53

37.14

31.27

34.43

8. Ratio of term loans to total advances

56.55

49.33

74.32

72.64

45.05

44.75

22.54

16.73

9. Ratio of secured advances to total advances

88.75

93.04

83.56

82.61

93.52

95.96

94.45

96.21

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

29.46

31.55

46.57

45.35

36.68

34.01

11.93

8.73

11. Ratio of interest income to total assets

8.97

9.55

8.73

9.30

9.12

9.67

9.93

10.06

12. Ratio of net interest income to total assets (Net Interest Margin)

2.81

3.02

3.32

3.51

2.15

2.32

2.79

2.75

13. Ratio of non-interest income to total assets

1.56

1.43

0.60

0.73

1.02

1.02

1.06

1.07

14. Ratio of intermediation cost to total assets

2.58

2.50

1.45

1.50

1.67

1.71

1.64

1.81

15. Ratio of wage bills to intermediation cost

58.64

58.98

65.00

65.95

57.19

56.32

48.82

45.08

16. Ratio of wage bills to total expense

17.32

16.33

13.72

13.56

11.06

10.64

9.13

8.93

17. Ratio of wage bills to total income

14.38

13.43

10.09

9.85

9.43

9.01

7.30

7.32

18. Ratio of burden to total assets

1.02

1.07

0.84

0.77

0.65

0.69

0.58

0.73

19. Ratio of burden to interest income

11.42

11.23

9.68

8.23

7.16

7.13

5.85

7.30

20. Ratio of operating profits to total assets

1.79

1.95

2.47

2.74

1.50

1.63

2.20

2.01

21. Return on assets

1.09

1.26

1.56

1.70

0.73

0.89

1.56

1.35

22. Return on equity

13.82

14.24

21.22

23.56

9.79

12.76

20.81

19.00

23. Cost of deposits

6.59

6.74

5.92

6.36

7.70

8.06

7.75

7.97

24. Cost of borrowings

10.07

12.19

8.14

6.88

8.96

9.85

11.99

8.85

25. Cost of funds

6.38

6.70

5.86

6.28

7.49

7.90

7.64

7.62

26. Return on advances

10.96

11.74

11.45

11.95

12.41

12.27

12.16

12.26

27. Return on investments

8.26

8.43

6.79

7.27

6.05

7.14

7.85

7.81

28. Return on advances adjusted to cost of funds

4.58

5.04

5.59

5.66

4.92

4.37

4.51

4.64

29. Return on investments adjusted to cost of funds

1.88

1.73

0.93

0.99

-1.44

-0.75

0.21

0.19

30. Business per employee (in Rupees Million)

55.98

64.43

88.60

104.90

85.90

96.60

98.40

101.40

31. Profit per employee (in Rupees Million)

0.46

0.63

0.90

1.10

0.40

0.50

0.88

0.82

32. Capital adequacy ratio

14.00

13.24

13.36

12.83

12.84

13.22

14.33

14.41

33. Capital adequacy ratio - Tier I

11.23

10.49

11.12

10.86

10.86

10.51

13.12

13.10

34. Capital adequacy ratio - Tier II

2.77

2.75

2.24

1.97

1.98

2.71

1.21

1.31

35. Ratio of net NPA to net advances

0.18

0.03

0.15

0.14

2.11

1.51

0.33

0.37

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

OLD PRIVATE SECTOR BANKS

(In per cent)

Items

Lakshmi Vilas Bank

Nainital Bank

Ratnakar Bank

South Indian Bank

2012

2013

2012

2013

2012

2013

2012

2013

 

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

1. Cash - Deposit Ratio

5.74

4.66

6.17

4.95

5.56

3.49

4.31

3.83

2. Credit - Deposit Ratio

72.19

74.93

55.07

57.88

87.19

76.45

74.74

71.88

3. Investment - Deposit Ratio

31.14

27.69

32.58

27.81

49.24

66.80

25.75

28.29

4. (Credit + Investment) - Deposit Ratio

103.33

102.61

87.66

85.69

136.43

143.25

100.49

100.17

5. Ratio of deposits to total liabilities

87.32

88.41

87.81

86.23

65.78

64.34

90.41

88.89

6. Ratio of demand & savings bank deposits to total deposits

14.91

14.49

36.76

39.40

21.51

19.72

19.67

18.60

7. Ratio of priority sector advances to total advances

34.33

38.03

49.52

50.11

20.42

20.62

18.76

26.13

8. Ratio of term loans to total advances

39.19

29.73

47.25

44.42

71.35

77.59

37.52

41.38

9. Ratio of secured advances to total advances

87.36

91.92

94.82

94.66

89.35

89.90

93.16

92.81

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

19.04

12.10

36.73

29.91

38.69

41.44

12.62

20.29

11. Ratio of interest income to total assets

10.31

10.41

9.43

9.49

8.91

8.72

9.79

9.84

12. Ratio of net interest income to total assets (Net Interest Margin)

2.52

2.32

3.88

3.54

3.58

2.55

2.79

2.84

13. Ratio of non-interest income to total assets

1.07

1.17

0.62

0.73

1.29

1.25

0.68

0.74

14. Ratio of intermediation cost to total assets

1.99

2.00

1.99

1.93

2.67

2.25

1.69

1.70

15. Ratio of wage bills to intermediation cost

48.09

46.64

68.21

67.18

60.50

55.02

60.61

61.59

16. Ratio of wage bills to total expense

9.80

9.24

18.03

16.49

20.16

14.73

11.77

12.05

17. Ratio of wage bills to total income

8.42

8.05

13.53

12.72

15.81

12.43

9.77

9.91

18. Ratio of burden to total assets

0.92

0.83

1.38

1.20

1.38

1.00

1.01

0.96

19. Ratio of burden to interest income

8.94

8.00

14.60

12.68

15.47

11.47

10.33

9.75

20. Ratio of operating profits to total assets

1.60

1.48

2.51

2.34

2.20

1.55

1.78

1.88

21. Return on assets

0.73

0.54

1.75

1.30

1.38

1.06

1.12

1.17

22. Return on equity

11.56

9.28

17.74

13.31

5.90

6.73

19.99

19.41

23. Cost of deposits

8.40

8.74

6.37

6.82

7.25

7.40

7.61

7.62

24. Cost of borrowings

13.40

13.10

5.04

7.94

5.38

7.00

9.76

7.96

25. Cost of funds

8.64

8.89

6.37

6.82

6.80

7.15

7.56

7.54

26. Return on advances

12.98

12.73

12.33

12.60

11.51

11.73

12.01

12.10

27. Return on investments

8.19

7.82

7.74

7.68

6.78

6.47

6.78

6.81

28. Return on advances adjusted to cost of funds

4.34

3.84

5.96

5.78

4.71

4.59

4.45

4.56

29. Return on investments adjusted to cost of funds

-0.45

-1.07

1.37

0.86

-0.02

-0.68

-0.78

-0.74

30. Business per employee (in Rupees Million)

78.70

86.30

65.60

74.80

60.70

73.90

107.90

120.10

31. Profit per employee (in Rupees Million)

0.35

0.29

0.80

0.70

0.50

0.50

0.70

0.80

32. Capital adequacy ratio

13.10

12.32

15.09

14.43

23.20

17.11

14.00

13.91

33. Capital adequacy ratio - Tier I

8.86

9.15

14.62

13.99

22.83

16.82

11.54

12.05

34. Capital adequacy ratio - Tier II

4.24

3.17

0.47

0.44

0.37

0.29

2.46

1.86

35. Ratio of net NPA to net advances

1.74

2.43

-

-

0.20

0.11

0.28

0.78

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

OLD PRIVATE SECTOR BANKS

(In per cent)

Items

Tamilnad Mercantile
Bank

2012

2013

 

(25)

(26)

1. Cash - Deposit Ratio

4.07

4.54

2. Credit - Deposit Ratio

80.53

80.38

3. Investment - Deposit Ratio

28.58

26.45

4. (Credit + Investment) - Deposit Ratio

109.11

106.83

5. Ratio of deposits to total liabilities

84.25

85.39

6. Ratio of demand & savings bank deposits to total deposits

20.63

18.86

7. Ratio of priority sector advances to total advances

42.73

45.42

8. Ratio of term loans to total advances

37.76

36.22

9. Ratio of secured advances to total advances

96.73

97.32

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

9.93

7.97

11. Ratio of interest income to total assets

10.34

11.23

12. Ratio of net interest income to total assets (Net Interest Margin)

3.57

3.91

13. Ratio of non-interest income to total assets

1.27

1.13

14. Ratio of intermediation cost to total assets

1.92

1.90

15. Ratio of wage bills to intermediation cost

61.00

57.88

16. Ratio of wage bills to total expense

13.47

11.94

17. Ratio of wage bills to total income

10.07

8.91

18. Ratio of burden to total assets

0.64

0.77

19. Ratio of burden to interest income

6.24

6.87

20. Ratio of operating profits to total assets

2.93

3.14

21. Return on assets

1.75

2.00

22. Return on equity

20.89

24.08

23. Cost of deposits

7.80

8.27

24. Cost of borrowings

10.28

19.04

25. Cost of funds

7.71

8.21

26. Return on advances

12.52

13.78

27. Return on investments

7.90

7.76

28. Return on advances adjusted to cost of funds

4.81

5.58

29. Return on investments adjusted to cost of funds

0.19

-0.45

30. Business per employee (in Rupees Million)

106.88

113.32

31. Profit per employee (in Rupees Million)

1.10

1.39

32. Capital adequacy ratio

14.69

15.01

33. Capital adequacy ratio - Tier I

13.98

14.33

34. Capital adequacy ratio - Tier II

0.71

0.68

35. Ratio of net NPA to net advances

0.45

0.66

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

NEW PRIVATE SECTOR BANKS

(In per cent)

Items

Axis Bank

Development Credit Bank

HDFC Bank

ICICI Bank

2012

2013

2012

2013

2012

2013

2012

2013

 

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1. Cash - Deposit Ratio

4.86

5.86

6.43

4.53

6.08

4.94

8.01

6.51

2. Credit - Deposit Ratio

77.13

77.97

83.41

78.74

79.21

80.92

99.31

99.19

3. Investment - Deposit Ratio

42.34

45.02

39.74

40.16

39.51

37.68

62.45

58.57

4. (Credit + Investment) - Deposit Ratio

119.47

123.00

123.15

118.90

118.73

118.60

161.76

157.77

5. Ratio of deposits to total liabilities

77.06

74.18

73.02

74.16

73.01

74.00

52.24

54.51

6. Ratio of demand & savings bank deposits to total deposits

41.54

44.38

32.12

27.16

48.40

47.43

43.45

41.89

7. Ratio of priority sector advances to total advances

28.56

24.62

36.33

32.18

32.68

32.01

23.37

20.60

8. Ratio of term loans to total advances

70.09

69.41

59.67

64.21

58.63

55.40

84.88

82.34

9. Ratio of secured advances to total advances

86.44

82.84

86.94

95.34

75.54

76.24

84.82

85.91

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

37.32

36.48

19.70

27.55

21.81

23.93

45.51

46.10

11. Ratio of interest income to total assets

8.33

8.68

8.91

9.18

9.06

9.50

7.49

7.81

12. Ratio of net interest income to total assets (Net Interest Margin)

3.04

3.09

2.83

2.85

4.19

4.28

2.40

2.70

13. Ratio of non-interest income to total assets

2.05

2.09

1.25

1.17

1.88

1.86

1.68

1.63

14. Ratio of intermediation cost to total assets

2.27

2.21

3.04

2.76

3.02

3.04

1.75

1.76

15. Ratio of wage bills to intermediation cost

34.63

34.38

51.01

50.09

36.65

35.29

44.78

43.20

16. Ratio of wage bills to total expense

10.41

9.73

16.98

15.20

14.01

13.01

11.47

11.05

17. Ratio of wage bills to total income

7.59

7.05

15.24

13.35

10.10

9.46

8.56

8.04

18. Ratio of burden to total assets

0.22

0.12

1.79

1.59

1.14

1.19

0.08

0.13

19. Ratio of burden to interest income

2.67

1.34

20.07

17.28

12.53

12.50

1.04

1.66

20. Ratio of operating profits to total assets

2.81

2.97

1.04

1.26

3.05

3.10

2.32

2.57

21. Return on assets

1.68

1.70

0.68

1.06

1.77

1.90

1.50

1.70

22. Return on equity

20.29

18.53

7.43

10.95

18.69

20.34

11.20

13.10

23. Cost of deposits

5.95

6.35

6.83

7.27

5.57

6.01

5.95

6.16

24. Cost of borrowings

5.94

6.41

8.18

7.33

12.03

10.32

6.81

6.53

25. Cost of funds

5.29

5.62

6.88

7.08

6.06

6.41

4.32

4.55

26. Return on advances

9.85

10.45

11.21

11.99

11.89

12.33

9.42

10.05

27. Return on investments

7.74

7.49

7.17

6.68

7.72

7.48

6.58

6.65

28. Return on advances adjusted to cost of funds

4.57

4.83

4.33

4.91

5.83

5.92

5.10

5.50

29. Return on investments adjusted to cost of funds

2.46

1.87

0.29

-0.40

1.67

1.07

2.27

2.10

30. Business per employee (in Rupees Million)

127.60

121.50

51.40

67.40

65.40

75.00

70.80

73.50

31. Profit per employee (in Rupees Million)

1.40

1.50

0.20

0.50

0.80

1.00

1.10

1.40

32. Capital adequacy ratio

13.66

17.00

15.41

13.61

16.52

16.80

18.52

18.74

33. Capital adequacy ratio - Tier I

9.45

12.23

13.81

12.62

11.60

11.08

12.68

12.80

34. Capital adequacy ratio - Tier II

4.21

4.77

1.60

0.99

4.92

5.72

5.84

5.94

35. Ratio of net NPA to net advances

0.27

0.36

0.57

0.75

0.18

0.20

0.73

0.77

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

NEW PRIVATE SECTOR BANKS

(In per cent)

Items

IndusInd Bank

Kotak Mahindra
Bank

Yes Bank

2012

2013

2012

2013

2012

2013

 

(9)

(10)

(11)

(12)

(13)

(14)

1. Cash - Deposit Ratio

6.85

6.01

5.23

4.33

4.75

4.99

2. Credit - Deposit Ratio

82.77

81.90

101.41

94.98

77.29

70.20

3. Investment - Deposit Ratio

34.40

36.32

55.96

56.58

56.47

64.19

4. (Credit + Investment) - Deposit Ratio

117.17

118.22

157.37

151.57

133.76

134.38

5. Ratio of deposits to total liabilities

73.55

73.82

58.68

60.97

66.76

67.56

6. Ratio of demand & savings bank deposits to total deposits

27.30

29.32

32.18

29.24

15.04

18.95

7. Ratio of priority sector advances to total advances

35.67

32.32

31.47

28.92

25.92

22.39

8. Ratio of term loans to total advances

73.37

73.09

76.92

77.01

74.69

71.58

9. Ratio of secured advances to total advances

91.86

90.50

83.37

85.46

72.94

67.63

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

18.32

28.22

23.09

25.32

41.71

45.23

11. Ratio of interest income to total assets

10.38

10.67

10.61

10.77

9.51

9.60

12. Ratio of net interest income to total assets (Net Interest Margin)

3.30

3.41

4.31

4.29

2.44

2.57

13. Ratio of non-interest income to total assets

1.96

2.08

1.68

1.55

1.29

1.46

14. Ratio of intermediation cost to total assets

2.60

2.68

3.15

2.96

1.41

1.55

15. Ratio of wage bills to intermediation cost

36.15

37.66

49.18

48.65

50.95

49.12

16. Ratio of wage bills to total expense

9.71

10.17

16.40

15.26

8.45

8.85

17. Ratio of wage bills to total income

7.62

7.93

12.61

11.68

6.63

6.86

18. Ratio of burden to total assets

0.64

0.60

1.47

1.40

0.11

0.09

19. Ratio of burden to interest income

6.18

5.63

13.87

13.04

1.20

0.93

20. Ratio of operating profits to total assets

2.66

2.81

2.84

2.89

2.32

2.48

21. Return on assets

1.57

1.63

1.83

1.81

1.57

1.57

22. Return on equity

18.26

17.15

14.65

15.60

23.07

24.81

23. Cost of deposits

8.02

8.35

7.39

7.47

8.08

7.86

24. Cost of borrowings

8.15

7.98

8.22

8.06

8.14

8.62

25. Cost of funds

7.19

7.48

6.82

6.95

8.05

8.01

26. Return on advances

13.77

14.13

14.23

14.04

12.24

12.70

27. Return on investments

7.67

7.49

6.75

7.41

7.93

8.09

28. Return on advances adjusted to cost of funds

6.58

6.66

7.41

7.09

4.19

4.69

29. Return on investments adjusted to cost of funds

0.47

0.02

-0.07

0.46

-0.12

0.07

30. Business per employee (in Rupees Million)

78.84

84.05

61.30

68.60

174.77

177.42

31. Profit per employee (in Rupees Million)

0.86

0.92

0.90

1.00

2.04

2.10

32. Capital adequacy ratio

13.85

15.36

17.52

16.05

17.90

18.30

33. Capital adequacy ratio - Tier I

11.37

13.78

15.74

14.71

9.90

9.50

34. Capital adequacy ratio - Tier II

2.48

1.58

1.78

1.34

8.00

8.80

35. Ratio of net NPA to net advances

0.27

0.31

0.61

0.64

0.05

0.01

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

AB Bank

Abu Dhabi
Commercial
Bank

American Express
Banking Corp.

Antwerp Diamond
Bank

2012

2013

2012

2013

2012

2013

2012

2013

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1.  Cash - Deposit Ratio

4.35

1.74

5.11

4.54

11.54

7.27

32.84

20.87

2.  Credit - Deposit Ratio

149.92

51.46

46.39

73.81

294.05

253.50

1156.39

956.28

3.  Investment - Deposit Ratio

36.27

20.71

36.33

33.03

68.07

57.94

207.38

174.89

4.  (Credit + Investment) - Deposit Ratio

186.19

72.17

82.72

106.84

362.12

311.44

1363.77

1131.17

5. Ratio of deposits to total liabilities

39.04

61.23

51.12

43.00

23.50

26.56

6.70

7.82

6. Ratio of demand & savings bank deposits to total deposits

78.42

92.70

24.32

27.80

-

-

59.96

67.68

7. Ratio of priority sector advances to total advances

40.40

40.60

21.14

24.44

-

-

97.69

98.22

8. Ratio of term loans to total advances

26.48

28.32

30.58

23.22

0.02

0.01

0.09

0.14

9. Ratio of secured advances to total advances

13.32

5.23

100.00

94.77

0.01

0.01

91.99

99.90

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

19.12

11.26

15.85

7.52

-

-

-

-

11. Ratio of interest income to total assets

4.38

4.42

7.01

8.23

4.04

3.79

4.26

5.30

12. Ratio of net interest income to total assets (Net Interest Margin)

3.90

3.56

3.30

3.37

-0.12

-1.23

2.33

3.31

13.  Ratio of non-interest income to total assets

16.13

11.72

0.43

0.47

26.06

23.86

1.74

2.23

14.  Ratio of intermediation cost to total assets

8.11

6.49

1.62

1.71

24.92

23.97

1.37

1.62

15.  Ratio of wage bills to intermediation cost

13.16

12.50

54.75

56.71

22.29

19.30

56.20

49.60

16.  Ratio of wage bills to total expense

12.43

11.04

16.63

14.79

19.09

15.96

23.33

22.33

17.  Ratio of wage bills to total income

5.21

5.03

11.92

11.18

18.45

16.74

12.84

10.70

18.  Ratio of burden to total assets

-8.02

-5.23

1.19

1.25

-1.14

0.11

-0.37

-0.61

19.  Ratio of burden to interest income

-183.06

-118.33

16.97

15.18

-28.27

2.98

-8.71

-11.49

20.  Ratio of operating profits to total assets

11.92

8.79

2.11

2.12

1.02

-1.34

2.70

3.92

21.  Return on assets

7.05

5.03

1.87

1.40

0.20

-3.23

1.20

1.31

22.  Return on equity

12.96

11.24

7.28

5.72

0.64

-10.50

6.57

6.39

23.  Cost of deposits

0.83

1.47

5.21

7.61

9.05

8.83

1.43

2.31

24.  Cost of borrowings

-

-

3.97

4.68

9.34

12.65

2.59

2.60

25.  Cost of funds

1.10

1.61

4.86

6.50

9.17

10.61

1.07

1.04

26.  Return on advances

4.43

5.86

9.97

9.03

4.42

3.76

3.43

5.40

27.  Return on investments

6.99

8.08

7.43

8.37

7.51

7.83

10.86

7.87

28.  Return on advances adjusted to cost of funds

3.33

4.25

5.11

2.53

-4.75

-6.85

2.35

4.36

29.  Return on investments adjusted to cost of funds

5.89

6.46

2.57

1.87

-1.66

-2.78

9.78

6.83

30.  Business per employee (in Rupees Million)

44.26

26.13

163.51

271.80

30.12

33.03

387.45

287.20

31.  Profit per employee (in Rupees Million)

3.02

2.50

3.40

3.57

0.06

-1.12

5.72

5.09

32.Capital adequacy ratio

34.36

19.10

80.88

66.82

19.30

18.17

25.60

32.72

33. Capital adequacy ratio - Tier I

33.60

18.94

80.00

65.91

18.70

17.61

17.47

23.14

34. Capital adequacy ratio - Tier II

0.76

0.16

0.88

0.91

0.60

0.56

8.13

9.58

35. Ratio of net NPA  to net advances

-

8.98

-

-

1.19

1.87

1.96

-

Source : Annual accounts of Banks.

TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

Australia and New Zealand Banking Group

Bank Internasional Indonesia

Bank of America

Bank of Bahrain & Kuwait

2012

2013

2012

2013

2012

2013

2012

2013

 

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1. Cash - Deposit Ratio

8.07

6.57

-

-

7.04

5.75

6.11

7.87

2. Credit - Deposit Ratio

76.01

94.72

-

-

104.03

103.32

95.78

99.54

3. Investment - Deposit Ratio

26.05

39.65

-

-

137.90

119.73

50.52

46.77

4. (Credit + Investment) - Deposit Ratio

102.06

134.37

-

-

241.94

223.05

146.31

146.31

5. Ratio of deposits to total liabilities

55.49

51.12

-

-

36.87

40.02

56.53

59.59

6. Ratio of demand & savings bank deposits to total deposits

2.64

4.97

-

-

52.54

58.38

35.27

21.81

7. Ratio of priority sector advances to total advances

27.87

25.29

-

-

23.92

27.48

29.28

31.49

8. Ratio of term loans to total advances

11.00

22.91

-

-

-

3.31

36.24

37.69

9. Ratio of secured advances to total advances

16.55

6.52

-

-

9.40

3.96

76.09

67.11

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

-

-

-

-

30.60

30.61

27.13

18.93

11. Ratio of interest income to total assets

3.02

7.00

3.42

2.19

7.85

7.71

7.85

8.03

12. Ratio of net interest income to total assets (Net Interest Margin)

1.72

2.95

3.42

2.19

4.86

4.40

4.87

4.46

13. Ratio of non-interest income to total assets

2.25

1.23

-

0.05

3.58

2.74

1.10

0.89

14. Ratio of intermediation cost to total assets

3.54

3.07

2.80

3.64

2.86

2.49

1.92

1.62

15. Ratio of wage bills to intermediation cost

45.78

51.59

-

42.32

51.73

56.52

47.34

45.43

16. Ratio of wage bills to total expense

33.50

22.26

-

42.32

25.29

24.25

18.53

14.17

17. Ratio of wage bills to total income

30.71

19.25

-

68.89

12.94

13.46

10.15

8.25

18. Ratio of burden to total assets

1.28

1.84

2.80

3.60

-0.72

-0.25

0.82

0.73

19. Ratio of burden to interest income

42.50

26.27

82.07

164.08

-9.20

-3.21

10.42

9.11

20. Ratio of operating profits to total assets

0.44

1.11

0.61

-1.40

5.58

4.65

4.05

3.73

21. Return on assets

0.05

0.10

0.48

-0.93

3.62

2.57

2.14

1.48

22. Return on equity

0.15

0.50

0.49

-1.38

13.89

10.96

10.98

6.24

23. Cost of deposits

2.13

7.00

-

-

5.03

3.86

3.38

5.59

24. Cost of borrowings

0.61

2.05

-

-

3.41

5.72

5.58

2.06

25. Cost of funds

1.74

5.50

-

-

3.55

2.47

3.31

4.83

26. Return on advances

1.75

6.45

-

-

11.17

8.56

10.61

10.00

27. Return on investments

5.61

11.21

-

-

6.61

8.36

7.32

8.06

28. Return on advances adjusted to cost of funds

0.01

0.95

-

-

7.62

6.08

7.30

5.17

29. Return on investments adjusted to cost of funds

3.87

5.71

-

-

3.06

5.88

4.01

3.24

30. Business per employee (in Rupees Million)

362.21

617.75

-

-

339.93

380.70

133.60

146.00

31. Profit per employee (in Rupees Million)

0.12

0.55

-

-2.25

14.89

12.07

2.10

1.80

32. Capital adequacy ratio

25.50

26.39

457.82

439.31

17.59

18.40

38.60

34.70

33. Capital adequacy ratio - Tier I

25.17

26.02

457.82

439.31

17.21

18.02

38.18

34.25

34. Capital adequacy ratio - Tier II

0.33

0.37

-

-

0.38

0.38

0.42

0.45

35. Ratio of net NPA to net advances

-

-

-

-

-

-

2.49

3.16

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

Bank of Ceylon

Bank of Nova Scotia

Bank of Tokyo-Mitsubishi UFJ

Barclays Bank

2012

2013

2012

2013

2012

2013

2012

2013

 

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

1. Cash - Deposit Ratio

4.58

3.27

9.69

5.79

19.48

11.60

7.67

6.07

2. Credit - Deposit Ratio

77.20

83.63

141.10

128.25

196.47

164.95

160.83

167.33

3. Investment - Deposit Ratio

57.45

41.67

74.40

79.96

109.21

107.58

215.51

273.01

4. (Credit + Investment) - Deposit Ratio

134.65

125.30

215.50

208.21

305.68

272.53

376.34

440.34

5. Ratio of deposits to total liabilities

37.76

38.61

42.23

43.54

29.06

31.49

23.64

20.60

6. Ratio of demand & savings bank deposits to total deposits

40.08

42.89

9.91

8.52

48.83

46.40

8.47

7.86

7. Ratio of priority sector advances to total advances

46.79

34.81

43.45

35.49

45.58

32.85

34.51

37.13

8. Ratio of term loans to total advances

28.98

25.18

3.46

2.48

19.54

13.40

56.13

34.61

9. Ratio of secured advances to total advances

99.65

99.69

60.79

64.83

24.90

19.74

34.55

38.93

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

-

-

5.54

1.83

14.47

6.42

64.91

42.92

11. Ratio of interest income to total assets

7.73

8.25

6.46

6.40

6.59

6.72

5.54

6.37

12. Ratio of net interest income to total assets (Net Interest Margin)

5.87

6.35

2.80

2.76

4.76

4.33

2.88

2.23

13. Ratio of non-interest income to total assets

1.84

1.71

2.23

1.92

1.77

1.42

-0.38

1.08

14. Ratio of intermediation cost to total assets

1.70

1.84

0.76

0.67

1.43

1.38

2.29

2.19

15. Ratio of wage bills to intermediation cost

34.97

30.45

34.19

37.02

42.97

44.64

60.70

52.39

16. Ratio of wage bills to total expense

16.72

15.01

5.88

5.77

18.83

16.33

28.08

18.14

17. Ratio of wage bills to total income

6.22

5.63

2.99

2.99

7.36

7.56

26.88

15.42

18. Ratio of burden to total assets

-0.14

0.13

-1.47

-1.25

-0.33

-0.04

2.66

1.11

19. Ratio of burden to interest income

-1.82

1.57

-22.77

-19.55

-5.07

-0.59

48.05

17.49

20. Ratio of operating profits to total assets

6.01

6.22

4.27

4.01

5.09

4.37

0.22

1.11

21. Return on assets

3.08

4.26

2.24

2.24

2.26

2.06

-0.91

-0.27

22. Return on equity

6.04

8.07

17.96

17.45

7.02

8.20

-3.30

-1.02

23. Cost of deposits

4.35

4.94

7.17

5.55

5.81

4.97

5.98

5.05

24. Cost of borrowings

0.69

0.27

1.70

2.99

0.72

2.19

2.38

6.22

25. Cost of funds

4.24

4.66

4.32

4.28

2.60

2.31

4.95

5.39

26. Return on advances

10.72

10.49

6.39

6.40

6.70

7.02

9.81

7.00

27. Return on investments

9.99

15.01

7.79

8.02

8.23

8.61

7.00

8.08

28. Return on advances adjusted to cost of funds

6.49

5.83

2.07

2.12

4.10

4.71

4.87

1.62

29. Return on investments adjusted to cost of funds

5.75

10.34

3.47

3.74

5.62

6.30

2.06

2.69

30. Business per employee (in Rupees Million)

61.90

73.10

543.06

576.45

356.60

334.90

183.14

275.48

31. Profit per employee (in Rupees Million)

2.50

4.50

12.66

14.70

7.80

8.20

-2.31

-1.13

32. Capital adequacy ratio

96.58

71.45

14.93

11.95

51.60

44.53

14.99

19.09

33. Capital adequacy ratio - Tier I

95.31

70.20

10.23

9.16

44.83

33.76

14.45

18.44

34. Capital adequacy ratio - Tier II

1.27

1.25

4.70

2.79

6.77

10.77

0.54

0.65

35. Ratio of net NPA to net advances

-

-

-

0.45

-

-

1.45

1.74

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

BNP Paribas

Chinatrust Commercial Bank

Citibank

Commonwealth Bank of Australia

2012

2013

2012

2013

2012

2013

2012

2013

 

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

1. Cash - Deposit Ratio

5.77

6.01

11.11

9.24

10.42

7.19

34.74

15.26

2. Credit - Deposit Ratio

104.81

138.67

194.11

143.46

72.80

78.18

821.86

321.97

3. Investment - Deposit Ratio

57.40

81.80

35.48

62.10

66.72

66.22

149.70

67.58

4. (Credit + Investment) - Deposit Ratio

162.21

220.47

229.59

205.55

139.53

144.40

971.56

389.55

5. Ratio of deposits to total liabilities

50.30

40.79

40.45

44.51

50.38

51.85

4.78

16.87

6. Ratio of demand & savings bank deposits to total deposits

39.67

24.69

37.31

19.51

54.52

52.88

47.27

23.85

7. Ratio of priority sector advances to total advances

37.25

25.78

9.85

32.42

28.87

26.65

56.07

27.10

8. Ratio of term loans to total advances

18.62

16.53

8.49

0.19

76.19

77.22

2.75

37.89

9. Ratio of secured advances to total advances

42.64

35.17

48.68

55.98

38.30

39.32

2.16

16.20

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

-

22.69

12.51

56.32

1.85

6.65

-

-

11. Ratio of interest income to total assets

7.51

6.81

11.13

9.60

6.47

6.94

7.02

6.54

12. Ratio of net interest income to total assets (Net Interest Margin)

3.91

3.65

6.56

6.49

4.07

4.03

6.79

5.68

13. Ratio of non-interest income to total assets

0.65

2.22

1.79

1.33

1.16

1.56

3.31

1.91

14. Ratio of intermediation cost to total assets

3.19

3.11

4.49

5.06

2.33

2.25

12.83

9.79

15. Ratio of wage bills to intermediation cost

35.82

34.44

43.37

41.91

37.87

36.70

42.20

43.61

16. Ratio of wage bills to total expense

16.83

17.11

21.50

25.94

18.65

16.02

41.46

40.09

17. Ratio of wage bills to total income

14.01

11.88

15.08

19.37

11.58

9.74

52.40

50.55

18. Ratio of burden to total assets

2.54

0.89

2.70

3.72

1.17

0.70

9.52

7.88

19. Ratio of burden to interest income

33.84

13.14

24.27

38.76

18.13

10.07

135.56

120.56

20. Ratio of operating profits to total assets

1.37

2.76

3.86

2.77

2.89

3.33

-2.73

-2.20

21. Return on assets

0.73

1.70

-0.02

-3.26

1.64

2.12

-2.99

-2.56

22. Return on equity

3.95

8.56

-0.06

-7.87

12.42

16.30

-3.62

-3.66

23. Cost of deposits

6.56

5.77

4.57

5.42

3.21

3.85

3.51

6.01

24. Cost of borrowings

2.39

2.49

18.32

6.24

3.79

3.99

0.81

0.72

25. Cost of funds

5.24

4.69

8.63

5.61

3.00

3.37

1.28

2.56

26. Return on advances

8.48

7.51

12.49

11.61

9.68

9.78

7.74

6.50

27. Return on investments

9.59

8.36

9.06

5.32

8.32

8.25

10.80

7.69

28. Return on advances adjusted to cost of funds

3.24

2.82

3.87

6.00

6.68

6.40

6.46

3.94

29. Return on investments adjusted to cost of funds

4.35

3.67

0.43

-0.29

5.31

4.88

9.52

5.13

30. Business per employee (in Rupees Million)

351.90

390.50

128.90

117.80

197.50

212.40

37.35

74.19

31. Profit per employee (in Rupees Million)

2.40

5.60

-0.03

-3.10

3.60

5.02

-2.20

-2.13

32. Capital adequacy ratio

14.70

13.82

44.78

35.12

16.03

15.90

78.29

63.77

33. Capital adequacy ratio - Tier I

11.09

10.94

44.34

34.74

15.15

14.81

78.10

63.47

34. Capital adequacy ratio - Tier II

3.61

2.88

0.44

0.38

0.88

1.09

0.19

0.30

35. Ratio of net NPA to net advances

0.07

-

3.24

9.71

0.90

1.47

-

-

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

Credit Agricole

Credit Suisse AG

DBS Bank

Deutsche Bank

2012

2013

2012

2013

2012

2013

2012

2013

 

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

1. Cash - Deposit Ratio

10.71

13.14

12.15

11.35

6.25

6.28

17.98

12.87

2. Credit - Deposit Ratio

210.13

403.21

71.75

108.68

99.40

89.48

74.51

107.60

3. Investment - Deposit Ratio

439.63

541.23

561.19

645.33

114.38

117.30

50.00

50.98

4. (Credit + Investment) - Deposit Ratio

649.76

944.43

632.94

754.00

213.78

206.78

124.51

158.58

5. Ratio of deposits to total liabilities

11.90

9.88

14.05

12.26

35.51

38.05

58.84

51.35

6. Ratio of demand & savings bank deposits to total deposits

16.77

16.86

12.93

1.74

4.50

6.19

64.98

47.83

7. Ratio of priority sector advances to total advances

58.11

62.81

-

23.08

48.41

31.64

24.89

22.56

8. Ratio of term loans to total advances

27.65

9.22

100.00

32.96

12.48

11.27

26.52

20.27

9. Ratio of secured advances to total advances

48.15

34.24

-

-

53.70

57.95

42.46

32.84

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

37.65

7.96

40.08

30.03

48.83

40.07

39.19

25.34

11. Ratio of interest income to total assets

5.94

6.29

4.05

7.37

5.98

6.64

8.37

7.82

12. Ratio of net interest income to total assets (Net Interest Margin)

2.55

3.04

3.70

4.11

2.50

2.65

6.31

5.78

13. Ratio of non-interest income to total assets

3.46

1.34

4.99

3.06

1.03

0.33

2.63

2.71

14. Ratio of intermediation cost to total assets

1.35

1.37

2.20

1.76

1.37

1.27

3.68

3.21

15. Ratio of wage bills to intermediation cost

50.91

49.45

71.46

66.61

47.15

43.44

46.90

46.10

16. Ratio of wage bills to total expense

14.52

14.65

61.48

23.35

13.33

10.48

30.08

28.17

17. Ratio of wage bills to total income

7.33

8.87

17.41

11.24

9.22

7.89

15.70

14.07

18. Ratio of burden to total assets

-2.10

0.02

-2.79

-1.30

0.34

0.93

1.05

0.50

19. Ratio of burden to interest income

-35.42

0.40

-68.79

-17.64

5.62

14.04

12.60

6.45

20. Ratio of operating profits to total assets

4.66

3.02

6.49

5.41

2.17

1.72

5.26

5.27

21. Return on assets

4.92

3.21

6.38

3.28

1.12

0.72

2.58

2.98

22. Return on equity

17.29

8.85

7.33

7.17

15.12

10.36

13.75

14.46

23. Cost of deposits

7.35

4.56

1.69

8.27

6.26

6.38

2.37

2.44

24. Cost of borrowings

4.10

4.53

0.34

5.09

3.21

3.98

7.14

5.28

25. Cost of funds

4.20

4.04

0.48

2.30

4.56

5.11

3.14

2.99

26. Return on advances

5.91

6.34

0.08

8.12

7.45

8.29

13.11

11.51

27. Return on investments

7.50

7.62

2.93

8.01

8.24

8.73

7.42

7.26

28. Return on advances adjusted to cost of funds

1.71

2.30

-0.40

5.82

2.89

3.18

9.97

8.51

29. Return on investments adjusted to cost of funds

3.30

3.58

2.45

5.71

3.67

3.62

4.28

4.27

30. Business per employee (in Rupees Million)

266.40

325.60

187.01

256.99

327.82

356.57

215.63

257.53

31. Profit per employee (in Rupees Million)

25.50

16.80

27.86

26.60

4.27

3.51

6.09

6.17

32. Capital adequacy ratio

14.34

17.27

118.02

60.07

14.38

12.99

14.12

14.08

33. Capital adequacy ratio - Tier I

10.48

13.06

117.49

59.64

9.32

9.25

13.27

13.39

34. Capital adequacy ratio - Tier II

3.86

4.21

0.53

0.43

5.06

3.74

0.85

0.69

35. Ratio of net NPA to net advances

-

-

-

-

0.60

2.37

0.09

0.13

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

FirstRand Bank

Hongkong & Shanghai Banking Corporation

HSBC Bank oman S.A.O.G.

Industrial and Commercial Bank of China

2012

2013

2012

2013

2012

2013

2012

2013

 

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

1. Cash - Deposit Ratio

33.14

36.08

6.40

8.73

6.16

5.94

330.03

6.64

2. Credit - Deposit Ratio

660.06

363.58

57.82

62.79

2.65

3.44

37510.07

190.41

3. Investment - Deposit Ratio

1533.32

1100.09

65.65

79.45

49.80

26.94

-

58.60

4. (Credit + Investment) - Deposit Ratio

2193.37

1463.67

123.46

142.24

52.44

30.38

37510.07

249.00

5. Ratio of deposits to total liabilities

4.20

6.24

56.24

53.56

36.65

39.45

0.02

22.74

6. Ratio of demand & savings bank deposits to total deposits

19.03

23.50

46.75

47.55

44.90

43.60

100.00

27.01

7. Ratio of priority sector advances to total advances

58.88

36.06

30.25

27.72

-

-

-

4.36

8. Ratio of term loans to total advances

44.64

52.91

32.41

37.04

49.65

32.98

-

-

9. Ratio of secured advances to total advances

34.79

21.69

58.01

60.46

100.00

100.00

100.00

99.69

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

67.64

51.62

47.31

37.92

2.54

5.14

-

-

11. Ratio of interest income to total assets

7.78

7.61

6.25

6.53

4.27

4.32

4.76

8.91

12. Ratio of net interest income to total assets (Net Interest Margin)

4.50

4.77

3.74

3.74

1.95

1.98

4.76

7.77

13. Ratio of non-interest income to total assets

2.76

2.90

2.20

1.60

5.61

7.88

0.58

0.56

14. Ratio of intermediation cost to total assets

7.62

10.95

2.41

2.29

1.92

2.39

1.94

3.61

15. Ratio of wage bills to intermediation cost

67.28

49.81

39.49

44.24

33.95

38.49

35.97

64.34

16. Ratio of wage bills to total expense

47.01

39.55

19.35

19.95

15.40

19.41

35.97

48.84

17. Ratio of wage bills to total income

48.62

51.92

11.28

12.45

6.60

7.53

13.09

24.56

18. Ratio of burden to total assets

4.86

8.05

0.22

0.69

-3.69

-5.49

1.37

3.06

19. Ratio of burden to interest income

62.44

105.85

3.47

10.53

-86.58

-127.02

28.69

34.31

20. Ratio of operating profits to total assets

-0.36

-3.29

3.52

3.06

5.65

7.47

3.39

4.71

21. Return on assets

-0.03

-6.09

1.97

1.81

6.09

8.80

2.05

2.45

22. Return on equity

-0.06

-17.86

13.88

12.84

8.61

11.24

2.13

3.47

23. Cost of deposits

2.30

9.31

4.03

4.60

5.58

5.97

-

3.76

24. Cost of borrowings

6.93

4.12

2.44

1.97

1.23

1.74

-

7.56

25. Cost of funds

5.13

4.02

3.83

4.09

4.66

5.53

-

3.96

26. Return on advances

6.92

7.42

8.74

9.94

11.30

10.72

2.58

14.63

27. Return on investments

9.40

8.59

8.28

7.78

6.38

6.54

-

9.89

28. Return on advances adjusted to cost of funds

1.80

3.40

4.91

5.85

6.64

5.19

-

10.67

29. Return on investments adjusted to cost of funds

4.27

4.57

4.45

3.69

1.72

1.02

-

5.93

30. Business per employee (in Rupees Million)

35.80

37.30

165.89

188.99

46.37

48.11

26.71

205.73

31. Profit per employee (in Rupees Million)

-0.03

-6.76

3.47

4.04

4.43

7.53

6.19

6.58

32. Capital adequacy ratio

61.47

47.84

16.04

17.10

52.01

55.76

241.01

69.43

33. Capital adequacy ratio - Tier I

61.22

47.50

14.83

15.70

37.23

44.49

240.92

69.24

34. Capital adequacy ratio - Tier II

0.25

0.34

1.21

1.40

14.78

11.27

0.09

0.19

35. Ratio of net NPA to net advances

-

-

0.62

0.33

-

-

-

-

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

JPMorgan Chase Bank

JSC VTB Bank

Krung Thai Bank

Mashreqbank

2012

2013

2012

2013

2012

2013

2012

2013

 

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

1. Cash - Deposit Ratio

9.91

8.92

14.24

13.16

4.84

4.53

1.25

6.95

2. Credit - Deposit Ratio

51.21

51.54

1050.88

890.31

6.53

8.72

66.93

45.83

3. Investment - Deposit Ratio

150.42

170.62

59.36

24.34

24.40

25.39

51.23

38.94

4. (Credit + Investment) - Deposit Ratio

201.63

222.17

1110.24

914.66

30.93

34.11

118.16

84.76

5. Ratio of deposits to total liabilities

42.67

40.92

6.23

7.59

73.50

77.14

40.45

48.44

6. Ratio of demand & savings bank deposits to total deposits

36.25

26.37

60.44

21.14

38.36

34.48

98.91

99.96

7. Ratio of priority sector advances to total advances

36.37

32.90

20.05

28.67

61.84

44.46

99.99

100.00

8. Ratio of term loans to total advances

83.68

66.04

62.00

70.13

-

-

0.01

-

9. Ratio of secured advances to total advances

24.42

17.79

80.35

88.51

95.00

95.19

100.00

100.00

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

65.45

49.29

-

-

8.76

7.40

23.44

25.50

11. Ratio of interest income to total assets

6.68

6.71

9.98

10.67

7.06

7.66

2.91

4.47

12. Ratio of net interest income to total assets (Net Interest Margin)

4.20

3.49

9.82

10.44

4.45

4.08

2.85

4.42

13. Ratio of non-interest income to total assets

1.94

2.44

0.73

1.89

1.09

0.71

12.45

9.37

14. Ratio of intermediation cost to total assets

1.17

0.93

8.18

8.10

1.87

1.69

6.44

4.99

15. Ratio of wage bills to intermediation cost

61.43

59.36

44.07

46.39

23.64

25.97

30.61

25.11

16. Ratio of wage bills to total expense

19.68

13.27

43.23

45.10

9.87

8.33

30.34

24.88

17. Ratio of wage bills to total income

8.35

6.02

33.66

29.93

5.43

5.25

12.84

9.06

18. Ratio of burden to total assets

-0.77

-1.51

7.45

6.21

0.78

0.98

-6.01

-4.37

19. Ratio of burden to interest income

-11.53

-22.54

74.66

58.25

11.11

12.79

-206.71

-97.93

20. Ratio of operating profits to total assets

4.97

5.00

2.37

4.22

3.66

3.10

8.86

8.80

21. Return on assets

2.90

3.07

0.76

2.01

2.12

1.82

5.76

5.61

22. Return on equity

11.02

12.42

0.81

2.36

7.71

7.85

9.23

10.12

23. Cost of deposits

4.11

6.00

2.61

3.34

3.65

4.75

0.12

-

24. Cost of borrowings

2.68

2.41

-

-

0.90

-

-

-

25. Cost of funds

3.32

4.36

2.61

3.34

3.60

4.75

0.15

0.10

26. Return on advances

7.04

6.57

13.70

13.72

9.41

8.90

2.45

4.22

27. Return on investments

7.71

7.73

4.88

4.93

6.92

7.42

7.17

7.03

28. Return on advances adjusted to cost of funds

3.72

2.21

11.09

10.39

5.81

4.15

2.31

4.12

29. Return on investments adjusted to cost of funds

4.39

3.37

2.27

1.59

3.32

2.68

7.02

6.93

30. Business per employee (in Rupees Million)

472.94

632.68

47.94

51.81

138.46

181.15

55.76

67.83

31. Profit per employee (in Rupees Million)

19.38

27.68

0.50

1.38

3.30

3.46

6.88

9.70

32. Capital adequacy ratio

23.96

26.89

86.96

66.45

62.57

54.57

55.37

49.62

33. Capital adequacy ratio - Tier I

23.41

26.32

86.52

65.97

61.32

53.32

54.81

49.20

34. Capital adequacy ratio - Tier II

0.55

0.57

0.44

0.48

1.25

1.25

0.56

0.42

35. Ratio of net NPA to net advances

-

-

-

-

-

-

-

-

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

Mizuho Corporate Bank

National Australia Bank

Rabobank International

Royal Bank of Scotland

2012

2013

2012

2013

2012

2013

2012

2013

 

(57)

(58)

(59)

(60)

(61)

(62)

(63)

(64)

1. Cash - Deposit Ratio

34.96

12.73

-

-

28.77

27.75

9.43

7.10

2. Credit - Deposit Ratio

532.33

316.56

-

-

3005.28

707.38

96.13

98.31

3. Investment - Deposit Ratio

97.88

79.36

-

-

1184.27

148.98

59.22

71.56

4. (Credit + Investment) - Deposit Ratio

630.22

395.92

-

-

4189.55

856.35

155.34

169.87

5. Ratio of deposits to total liabilities

12.53

22.87

-

-

1.82

9.79

46.58

48.37

6. Ratio of demand & savings bank deposits to total deposits

74.01

37.39

-

-

39.08

18.75

55.62

49.66

7. Ratio of priority sector advances to total advances

31.38

25.36

-

-

15.73

37.27

40.56

45.93

8. Ratio of term loans to total advances

17.93

30.01

-

-

37.01

10.97

43.23

24.46

9. Ratio of secured advances to total advances

20.63

19.42

-

-

47.90

49.78

68.84

56.86

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

38.44

13.54

-

-

-

-

22.83

28.91

11. Ratio of interest income to total assets

6.18

6.54

1.98

5.19

3.93

9.63

7.16

6.96

12. Ratio of net interest income to total assets (Net Interest Margin)

5.83

5.61

1.98

5.18

3.92

8.36

3.70

3.52

13. Ratio of non-interest income to total assets

2.31

1.48

-

0.57

3.49

2.79

3.27

2.01

14. Ratio of intermediation cost to total assets

1.42

1.19

3.50

9.14

5.47

7.73

3.61

3.78

15. Ratio of wage bills to intermediation cost

46.48

48.60

74.15

62.46

45.51

52.66

36.43

33.71

16. Ratio of wage bills to total expense

37.32

27.34

74.15

62.41

45.42

45.22

18.60

17.67

17. Ratio of wage bills to total income

7.79

7.24

131.07

99.12

33.51

32.79

12.62

14.21

18. Ratio of burden to total assets

-0.89

-0.28

3.50

8.57

1.97

4.94

0.34

1.77

19. Ratio of burden to interest income

-14.33

-4.32

176.76

165.13

50.22

51.32

4.76

25.41

20. Ratio of operating profits to total assets

6.72

5.89

-1.52

-3.39

1.95

3.42

3.36

1.76

21. Return on assets

4.00

3.90

-1.54

-5.41

0.40

1.42

1.96

0.96

22. Return on equity

5.32

4.94

-1.54

-5.76

0.27

2.01

17.75

7.71

23. Cost of deposits

2.15

4.19

-

-

0.59

13.12

4.85

5.31

24. Cost of borrowings

0.30

0.56

-

0.02

0.18

5.63

4.11

3.76

25. Cost of funds

1.26

2.06

-

0.01

0.59

6.65

4.65

4.79

26. Return on advances

6.89

6.82

-

0.05

1.81

10.43

8.47

8.32

27. Return on investments

11.62

9.84

-

8.77

11.30

14.63

8.94

9.09

28. Return on advances adjusted to cost of funds

5.63

4.76

-

0.04

1.22

3.78

3.82

3.53

29. Return on investments adjusted to cost of funds

10.36

7.78

-

8.75

10.71

7.98

4.29

4.30

30. Business per employee (in Rupees Million)

248.80

419.78

-

86.10

84.41

132.01

130.73

162.11

31. Profit per employee (in Rupees Million)

10.36

9.99

-1.57

-4.64

0.38

2.39

2.46

1.43

32. Capital adequacy ratio

60.27

48.11

423.74

96.08

123.86

70.34

12.46

14.50

33. Capital adequacy ratio - Tier I

59.94

47.68

423.74

95.57

123.47

69.97

9.38

10.99

34. Capital adequacy ratio - Tier II

0.33

0.43

-

0.51

0.39

0.37

3.08

3.51

35. Ratio of net NPA to net advances

-

1.59

-

-

-

-

0.74

0.29

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

Sberbank

Shinhan Bank

Societe Generale

Sonali Bank

2012

2013

2012

2013

2012

2013

2012

2013

 

(65)

(66)

(67)

(68)

(69)

(70)

(71)

(72)

1. Cash - Deposit Ratio

2600.00

186.04

4.90

7.38

6.08

5.53

11.21

8.23

2. Credit - Deposit Ratio

-

783.83

88.18

83.74

82.49

127.07

59.29

46.16

3. Investment - Deposit Ratio

-

-

27.11

41.00

144.15

82.12

17.59

14.70

4. (Credit + Investment) - Deposit Ratio

-

783.83

115.29

124.74

226.64

209.20

76.87

60.86

5. Ratio of deposits to total liabilities

0.01

2.65

59.40

58.25

41.27

43.49

70.18

71.02

6. Ratio of demand & savings bank deposits to total deposits

100.00

14.48

29.15

22.02

14.09

8.83

71.04

75.90

7. Ratio of priority sector advances to total advances

-

-

22.48

26.88

31.89

20.49

56.11

55.82

8. Ratio of term loans to total advances

-

-

33.08

24.48

19.63

11.07

2.18

1.36

9. Ratio of secured advances to total advances

-

100.00

61.55

63.08

53.83

34.27

76.20

89.36

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

-

-

-

-

59.29

34.74

-

-

11. Ratio of interest income to total assets

7.49

7.40

9.24

9.72

7.27

7.75

5.56

6.56

12. Ratio of net interest income to total assets (Net Interest Margin)

7.49

7.34

5.26

4.75

3.13

3.96

3.54

4.38

13. Ratio of non-interest income to total assets

-

0.18

1.10

0.92

0.28

0.33

14.14

14.67

14. Ratio of intermediation cost to total assets

8.46

8.43

1.49

1.49

1.68

2.40

11.83

10.79

15. Ratio of wage bills to intermediation cost

49.25

53.21

38.26

38.23

48.36

44.10

64.44

60.88

16. Ratio of wage bills to total expense

49.25

52.84

10.42

8.82

13.96

17.09

55.02

50.64

17. Ratio of wage bills to total income

55.63

59.23

5.51

5.35

10.75

13.10

38.67

30.93

18. Ratio of burden to total assets

8.46

8.25

0.39

0.57

1.40

2.07

-2.32

-3.88

19. Ratio of burden to interest income

112.95

111.58

4.21

5.88

19.20

26.74

-41.62

-59.21

20. Ratio of operating profits to total assets

-0.97

-0.91

4.87

4.18

1.73

1.89

5.86

8.26

21. Return on assets

-0.99

-1.08

2.52

1.78

1.17

1.22

2.23

3.37

22. Return on equity

-0.98

-1.14

8.66

7.99

5.21

4.35

13.79

21.14

23. Cost of deposits

-

1.79

6.50

8.08

8.99

6.51

1.93

2.32

24. Cost of borrowings

-

0.38

3.26

1.98

2.20

3.68

-

-

25. Cost of funds

-

0.59

6.21

7.08

4.67

4.80

1.93

2.32

26. Return on advances

-

0.76

10.13

9.95

9.48

8.70

12.56

13.64

27. Return on investments

-

-

8.97

7.27

6.88

8.10

9.62

10.17

28. Return on advances adjusted to cost of funds

-

0.18

3.92

2.87

4.81

3.90

10.63

11.32

29. Return on investments adjusted to cost of funds

-

-0.59

2.76

0.19

2.20

3.31

7.70

7.85

30. Business per employee (in Rupees Million)

0.01

26.06

243.94

294.06

249.32

303.98

13.06

17.10

31. Profit per employee (in Rupees Million)

-0.84

-1.00

5.49

4.89

3.55

3.58

0.26

0.55

32. Capital adequacy ratio

329.86

193.98

40.26

34.48

36.61

29.35

16.81

12.91

33. Capital adequacy ratio - Tier I

329.86

193.98

39.35

33.52

35.82

28.50

16.50

12.69

34. Capital adequacy ratio - Tier II

-

-

0.91

0.96

0.79

0.85

0.31

0.22

35. Ratio of net NPA to net advances

-

-

-

-

-

-

1.16

2.36

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

Standard Chartered Bank

State Bank of Mauritius

Sumitomo Mitsui Banking Corporation

UBS AG

United Overseas Bank

2012

2013

2012

2013

2013

2012

2013

2012

 

(73)

(74)

(75)

(76)

(77)

(78)

(79)

(80)

1. Cash - Deposit Ratio

5.21

5.06

5.27

4.74

964.85

7.54

5.78

88420.00

2. Credit - Deposit Ratio

86.88

99.92

106.00

135.64

-

104.83

38.09

-

3. Investment - Deposit Ratio

42.72

49.59

62.92

76.59

19623.01

591.97

84.74

-

4. (Credit + Investment) - Deposit Ratio

129.59

149.51

168.91

212.22

19623.01

696.79

122.83

-

5. Ratio of deposits to total liabilities

52.57

51.77

54.20

40.81

0.14

8.84

37.48

-

6. Ratio of demand & savings bank deposits to total deposits

40.14

38.22

33.44

18.70

86.85

1.73

0.89

100.00

7. Ratio of priority sector advances to total advances

26.39

28.64

-

-

-

24.67

26.44

-

8. Ratio of term loans to total advances

37.59

43.01

41.31

44.87

-

-

49.27

-

9. Ratio of secured advances to total advances

62.62

64.82

-

-

-

31.68

5.13

-

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

18.64

18.36

15.78

36.57

-

56.86

50.95

-

11. Ratio of interest income to total assets

6.97

7.53

9.71

10.12

0.94

5.89

6.27

7.00

12. Ratio of net interest income to total assets (Net Interest Margin)

3.73

4.15

3.06

4.66

0.94

3.89

4.42

7.00

13. Ratio of non-interest income to total assets

2.62

2.33

0.98

1.40

-

-1.26

-0.74

0.19

14. Ratio of intermediation cost to total assets

2.40

2.41

1.31

1.14

2.35

1.65

1.42

5.76

15. Ratio of wage bills to intermediation cost

48.84

44.42

49.70

48.54

37.12

57.90

56.48

36.47

16. Ratio of wage bills to total expense

20.81

18.50

8.19

8.37

37.12

26.22

24.54

36.47

17. Ratio of wage bills to total income

12.25

10.85

6.11

4.79

93.16

20.63

14.53

29.22

18. Ratio of burden to total assets

-0.22

0.08

0.33

-0.26

2.35

2.91

2.16

5.57

19. Ratio of burden to interest income

-3.11

1.07

3.43

-2.60

251.04

49.36

34.50

79.56

20. Ratio of operating profits to total assets

3.95

4.07

2.72

4.93

-1.41

0.99

2.26

1.43

21. Return on assets

1.49

2.43

0.81

2.53

-5.06

0.78

1.33

1.21

22. Return on equity

12.76

17.78

3.45

7.07

-1.51

1.59

4.29

1.18

23. Cost of deposits

4.93

5.12

9.71

6.11

0.03

8.48

3.89

-

24. Cost of borrowings

5.74

5.50

7.91

13.90

-

3.82

6.40

-

25. Cost of funds

4.40

4.40

7.93

5.76

0.03

4.98

4.87

-

26. Return on advances

11.29

11.38

10.32

9.27

-

11.20

11.93

-

27. Return on investments

7.89

8.07

8.48

7.68

0.22

7.75

9.19

-

28. Return on advances adjusted to cost of funds

6.89

6.99

2.39

3.51

-

6.23

7.06

-

29. Return on investments adjusted to cost of funds

3.49

3.67

0.55

1.91

0.19

2.77

4.32

-

30. Business per employee (in Rupees Million)

154.67

168.77

335.80

289.00

0.23

216.39

608.91

0.00

31. Profit per employee (in Rupees Million)

2.31

4.11

2.40

6.80

-2.51

5.48

14.96

1.81

32. Capital adequacy ratio

11.05

13.00

39.02

55.01

625.69

53.75

52.86

205.80

33. Capital adequacy ratio - Tier I

8.19

10.45

37.52

53.71

625.69

53.61

52.53

205.80

34. Capital adequacy ratio - Tier II

2.86

2.55

1.50

1.30

-

0.14

0.33

-

35. Ratio of net NPA to net advances

0.70

1.63

0.87

1.88

-

-

-

-

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2012 AND 2013 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

United Overseas Bank Bank

Westpac Banking Corporation

Woori Bank

2013

2013

2012

2013

 

(81)

(82)

(83)

(84)

1. Cash - Deposit Ratio

34.59

1476.04

-

4.31

2. Credit - Deposit Ratio

579.91

-

-

15.26

3. Investment - Deposit Ratio

239.84

2058082.03

-

22.77

4. (Credit + Investment) - Deposit Ratio

819.75

2058082.03

-

38.03

5. Ratio of deposits to total liabilities

2.98

-

-

56.26

6. Ratio of demand & savings bank deposits to total deposits

18.97

100.00

-

9.86

7. Ratio of priority sector advances to total advances

58.70

-

-

-

8. Ratio of term loans to total advances

41.30

-

-

-

9. Ratio of secured advances to total advances

100.00

-

-

62.36

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

0.10

-

-

-

11. Ratio of interest income to total assets

7.61

3.34

2.56

7.54

12. Ratio of net interest income to total assets (Net Interest Margin)

7.58

3.33

2.56

5.47

13. Ratio of non-interest income to total assets

0.40

0.61

-

0.36

14. Ratio of intermediation cost to total assets

6.49

1.86

1.61

4.31

15. Ratio of wage bills to intermediation cost

49.00

54.29

26.13

33.00

16. Ratio of wage bills to total expense

48.76

54.26

26.13

22.31

17. Ratio of wage bills to total income

39.73

25.63

16.48

18.03

18. Ratio of burden to total assets

6.10

1.25

1.61

3.95

19. Ratio of burden to interest income

80.10

37.48

63.05

52.48

20. Ratio of operating profits to total assets

1.48

2.08

0.95

1.51

21. Return on assets

1.21

1.03

-

0.90

22. Return on equity

1.32

1.03

0.53

1.38

23. Cost of deposits

0.68

1.84

-

5.23

24. Cost of borrowings

0.21

4.02

-

-

25. Cost of funds

0.28

3.83

-

5.23

26. Return on advances

3.94

-

-

17.45

27. Return on investments

6.03

3.38

-

10.04

28. Return on advances adjusted to cost of funds

3.66

-

-

12.22

29. Return on investments adjusted to cost of funds

5.75

-0.45

-

4.81

30. Business per employee (in Rupees Million)

32.27

0.01

-

113.07

31. Profit per employee (in Rupees Million)

1.54

3.52

-

1.02

32. Capital adequacy ratio

154.76

280.06

421.70

163.28

33. Capital adequacy ratio - Tier I

154.60

280.02

421.70

163.28

34. Capital adequacy ratio - Tier II

0.16

0.04

-

-

35. Ratio of net NPA to net advances

-

-

-

-

Source : Annual accounts of Banks.

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