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ਭਾਰਤੀ ਰਿਜ਼ਰਵ ਬੈਂਕ ਦੇ ਅੰਦਰ ਵੱਖੋ-ਵੱਖ ਫੰਕਸ਼ਨ ਦੇ ਬਾਰੇ ਵਿੱਚ ਹੋਰ ਜਾਣੋ
back
(in per cent)
Ratios
As on March 31
Centurion Bank of Punjab #
City Union Bank
Development Credit Bank
Dhanalakshmi Bank
2005
2006
(9)
(10)
(11)
(12)
(13)
(14)
(15)
(16)
1.
Cash-deposit ratio
9.40
5.92
5.20
6.08
5.68
6.16
8.72
6.95
2.
Credit-deposit ratio
62.14
69.51
65.03
72.48
55.36
59.77
60.29
62.95
3.
Investment-deposit ratio
41.91
31.10
35.61
30.06
47.08
41.35
30.27
28.02
4.
(Credit + Investment) - deposit ratio
104.06
100.60
100.64
102.54
102.44
101.13
90.56
90.97
5.
Ratio of deposits to total liabilities
76.55
82.96
88.55
85.24
83.59
83.49
88.44
88.91
6.
Ratio of term deposits to total deposits
70.98
61.27
78.15
77.05
77.29
67.94
73.13
71.08
7.
Ratio of priority sector advances to total advances
28.51
30.29
39.86
40.82
32.77
29.69
29.93
35.57
8.
Ratio of term loan to total advances
80.16
75.59
27.62
35.36
74.40
68.90
42.35
49.68
9.
Ratio of secured advances to total advances
92.29
87.01
93.52
95.28
81.38
71.94
88.52
92.27
10.
Ratio of investments in non-approved securites
6.69
18.71
8.30
14.75
10.57
20.48
9.51
5.83
to total investments
11.
Ratio of interest income to total assets
8.48
10.08
8.69
8.56
6.03
6.60
7.55
7.64
12.
Ratio of net interest margin to total assets
4.36
5.00
3.31
3.67
1.39
1.79
2.87
3.02
13.
Ratio of non-interest income to total assets
1.77
3.91
1.00
1.16
1.82
1.91
0.58
0.98
14.
Ratio of intermediation cost to total assets
5.37
6.27
1.87
1.97
3.29
4.17
2.73
2.98
15.
Ratio of wage bills to intermediation cost
19.48
27.87
49.42
48.45
32.91
29.52
56.83
51.12
16.
Ratio of wage bills to total expense
11.02
15.40
12.76
13.89
13.63
13.71
20.92
20.04
17.
Ratio of wage bills to total income
10.21
12.50
9.55
9.80
13.77
14.47
19.05
17.65
18.
Ratio of burden to total assets
3.60
2.36
0.87
0.80
1.47
2.26
2.15
1.99
19.
Ratio of burden to interest income
42.47
23.44
10.03
9.39
24.35
34.23
28.44
26.09
20.
Ratio of operating profits to total assets
0.76
2.64
2.44
2.86
-0.08
-0.47
0.73
1.03
21.
Return on assets
0.64
0.89
1.33
1.46
-3.38
-2.01
-0.83
0.33
22.
Return on equity
6.41
11.54
20.88
21.40
-63.79
-46.90
-17.41
7.66
23.
Cost of deposits
4.46
5.81
5.57
4.91
5.04
5.07
4.96
24.
Cost of borrowings
9.30
29.14
2.21
2.50
9.47
14.85
2.89
13.26
25.
Cost of funds
4.52
5.98
6.00
5.53
5.11
5.43
4.97
26.
Return on advances
14.30
13.28
10.42
10.72
8.09
8.75
9.69
9.62
27.
Return on investments
4.07
8.17
8.45
7.11
4.78
7.85
7.58
28.
Return on advances adjusted to cost of funds
9.78
7.30
4.42
5.19
2.97
3.33
4.62
4.65
29.
Return on investments adjusted to cost of funds
-0.45
2.19
2.46
1.58
-0.33
0.14
2.78
2.61
30.
Business per employee (in Rs. lakh)
383.00
339.00
325.80
339.69
402.00
390.00
292.70
311.71
31.
Profit per employee (in Rs. lakh)
1.83
1.96
3.23
3.51
-11.00
-7.00
-1.65
0.72
32.
Capital adequacy ratio
21.42
12.52
12.18
12.33
9.88
9.66
10.16
9.75
33.
Capital adequacy ratio - Tier I
17.80
10.84
10.05
10.77
5.85
5.96
6.12
6.21
34.
Capital adequacy ratio - Tier II
3.62
1.68
2.13
1.56
4.03
3.70
4.04
3.54
35.
Ratio of net NPA to net advances
2.49
1.13
3.37
1.95
6.34
4.50
3.92
Note : # See ‘Explanatory Notes’ Source: Annual accounts of banks
Federal Bank
Ganesh Bank of Kurundwad #
HDFC Bank
ICICI Bank
(17)
(18)
(19)
(20)
(21)
(22)
(23)
(24)
4.54
6.79
8.34
7.29
5.93
6.36
5.41
58.07
65.64
43.47
70.33
62.84
91.57
88.54
38.17
35.08
37.89
53.23
50.89
50.58
43.34
96.24
100.73
81.36
123.55
113.73
142.15
131.88
90.32
86.61
93.13
70.69
75.91
59.54
65.67
75.48
74.98
73.23
39.35
44.55
75.73
77.28
32.15
34.30
62.56
21.97
30.99
21.98
29.20
43.20
43.89
79.98
60.14
73.59
79.05
76.48
90.21
86.71
99.45
76.60
69.16
86.28
83.01
12.32
9.32
0.30
41.94
30.84
31.70
28.61
7.46
7.67
7.96
7.16
6.43
6.58
3.15
3.20
1.40
3.79
4.08
1.94
2.00
-0.31
1.80
2.33
2.38
2.28
2.32
2.71
2.25
2.14
59.19
62.64
59.78
25.49
28.79
22.35
24.16
18.53
19.01
15.43
11.52
13.45
7.47
7.69
13.24
13.81
17.84
7.39
5.75
5.77
0.79
2.59
0.93
0.91
-0.24
8.55
10.28
32.54
14.03
12.67
-1.24
-3.65
2.51
2.41
-1.19
3.17
2.02
2.24
0.62
1.28
-2.58
1.38
1.48
1.30
13.13
22.82
-54.08
18.45
17.74
18.86
14.33
4.58
4.82
7.02
3.32
3.38
3.87
4.41
0.78
0.86
11.78
4.68
8.24
2.57
4.73
3.45
3.76
4.01
9.35
8.91
12.21
7.68
8.77
8.15
6.70
7.59
6.84
4.75
6.05
4.81
4.18
5.18
4.23
5.15
4.14
-0.07
3.34
3.08
1.73
2.04
366.00
431.00
124.28
806.00
758.00
880.00
905.00
0.00
8.80
11.00
10.00
11.27
13.75
3.99
12.16
11.41
13.35
6.42
9.72
-0.25
9.60
9.20
4.85
4.24
2.56
4.19
4.15
0.95
8.32
0.24
0.44
1.65
Note : # See ‘Explanatory Notes’ Source : Annual accounts of banks
IndusInd Bank
ING Vysya Bank
Jammu & Kashmir Bank
Karnataka Bank
(25)
(26)
(27)
(28)
(29)
(30)
(31)
(32)
5.30
6.31
7.74
6.35
68.63
62.04
72.24
76.73
53.21
61.67
58.02
58.83
31.03
36.05
33.38
32.79
41.73
38.33
42.04
41.90
99.65
98.09
105.63
109.51
94.94
100.00
100.06
83.95
85.15
81.67
79.53
88.63
88.79
86.51
88.56
89.31
87.13
75.77
72.99
68.00
65.83
78.40
79.12
23.50
26.78
31.17
30.31
21.79
19.53
33.31
35.58
64.14
74.56
53.56
50.21
59.68
61.72
39.49
41.43
91.25
87.21
91.29
87.38
87.84
84.69
88.30
15.74
15.24
19.17
14.16
35.38
28.98
25.28
26.26
7.15
6.92
7.60
6.71
7.27
7.41
1.90
2.99
2.74
2.66
1.63
1.36
1.18
0.42
0.52
1.21
1.41
1.71
1.49
22.70
46.33
45.14
55.40
55.73
63.43
56.80
6.11
7.13
17.37
18.59
14.02
13.86
13.56
4.34
5.99
15.82
16.58
10.87
10.46
11.80
0.09
0.54
0.99
0.83
-0.21
0.27
1.26
7.62
25.99
26.87
14.63
12.43
-2.84
1.35
0.69
1.62
1.78
2.95
2.39
1.50
0.22
0.05
0.47
0.67
1.27
25.79
-4.80
0.97
7.06
17.56
16.85
4.69
4.48
4.76
4.61
4.55
5.09
8.71
2.30
3.39
1.14
5.66
4.32
4.67
5.23
9.95
9.34
8.08
8.54
8.42
8.38
8.73
6.56
7.07
7.38
6.22
7.56
7.37
4.95
3.69
3.75
3.81
3.96
3.50
2.16
2.08
2.40
925.78
880.18
394.92
426.00
435.00
516.00
380.90
478.29
10.12
-0.73
0.17
3.00
3.35
4.05
11.62
10.54
9.09
10.67
15.15
12.14
7.24
7.14
12.48
11.76
12.15
11.38
4.38
3.89
3.53
2.67
0.38
2.01
0.40
2.09
1.76
0.92
2.29
Source: Annual accounts of banks
Nainital
Ratnakar
Sangli
SBI Comm.
Bank
& Int. Bank
(41)
(42)
(43)
(44)
(45)
(46)
(47)
(48)
5.49
5.62
12.01
13.11
6.77
5.35
38.92
53.64
54.07
56.15
40.90
44.32
69.61
67.10
45.12
33.04
33.77
31.65
46.36
41.18
30.58
29.23
84.04
86.68
87.83
87.79
87.27
85.50
100.19
96.34
88.87
85.14
90.11
89.35
93.92
93.18
69.50
71.47
50.65
45.97
71.53
61.70
66.15
59.26
89.11
85.18
55.79
50.29
31.25
32.52
14.65
8.41
3.93
44.98
44.41
47.15
23.79
12.00
20.46
55.23
93.62
92.90
82.40
94.40
82.17
92.42
47.16
29.12
22.54
24.08
7.78
8.89
1.59
7.72
7.77
6.68
6.15
7.20
4.37
3.18
3.25
2.47
2.35
1.93
3.43
1.08
0.59
0.43
1.92
3.09
2.53
1.52
69.62
74.86
59.46
76.71
76.34
40.33
40.03
28.56
35.67
21.69
29.36
32.23
12.77
11.51
21.29
26.18
18.76
18.96
28.15
32.72
6.57
2.05
1.84
2.18
-0.55
21.70
25.97
26.32
24.26
32.61
39.75
-6.18
-7.67
2.22
0.29
-0.10
3.98
1.25
1.06
-1.17
0.07
-1.52
-1.37
-2.10
1.09
15.83
12.90
-19.14
1.19
-36.51
-34.92
-10.73
4.31
3.90
4.80
4.47
4.59
3.36
14.41
6.94
110.35
133.98
8.51
5.16
4.49
4.06
4.33
4.77
10.78
10.26
6.19
7.03
8.92
8.07
6.75
7.57
6.47
6.10
5.36
0.68
3.84
5.02
3.27
2.42
2.80
162.32
225.00
220.75
250.92
105.35
117.40
527.06
626.43
-1.73
0.11
-1.66
-1.61
-9.73
5.70
13.88
12.03
10.69
1.64
23.56
22.29
11.30
10.97
10.06
9.64
6.44
0.82
23.01
20.91
3.55
2.91
1.05
0.55
5.54
4.30
2.34
7.65
3.82
South
Tamilnad
United
UTI
Indian
Mercantile
Western
(49)
(50)
(51)
(52)
(53)
(54)
(55)
(56)
5.10
6.30
5.79
10.88
6.06
63.18
66.50
54.41
60.09
61.62
61.82
49.20
55.63
36.90
28.60
47.35
45.40
32.58
34.16
47.45
53.67
100.08
95.10
101.76
105.49
94.20
95.99
96.65
109.29
89.60
88.47
85.94
85.25
91.10
90.42
84.02
80.66
75.21
73.62
71.58
67.82
59.91
62.02
60.02
31.87
35.59
47.38
46.06
32.08
38.71
28.22
34.64
55.35
53.88
32.89
37.97
27.47
29.65
66.69
70.29
89.82
88.31
89.08
93.93
89.86
83.47
87.03
89.88
6.50
37.70
37.85
22.21
22.01
50.04
45.33
7.50
9.58
9.36
6.82
3.06
4.20
2.06
0.71
1.34
1.67
2.23
1.88
1.86
63.35
61.65
58.47
57.67
54.13
59.99
30.42
29.51
18.54
20.58
17.96
17.31
15.80
21.58
9.97
9.15
14.61
16.72
12.57
11.86
13.74
19.96
6.64
0.90
1.51
1.75
0.19
11.95
20.20
11.10
8.59
15.30
25.57
8.60
2.92
1.54
1.01
0.57
2.27
0.53
-1.42
-1.55
9.29
15.90
16.65
-36.00
-39.06
18.81
18.28
5.73
23.23
3.21
6.17
7.80
2.70
5.72
5.01
3.94
7.84
8.06
7.26
6.37
10.49
9.91
3.97
2.84
3.83
1.57
3.66
352.00
422.00
316.97
358.29
309.00
324.00
1021.00
1020.00
1.37
-3.12
-3.48
8.02
9.89
13.02
19.74
18.33
4.86
12.66
11.08
16.22
17.60
2.43
0.50
8.87
4.21
4.64
3.52
0.49
2.17
Yes Bank
(57)
(58)
6.23
3.03
114.77
82.71
59.55
46.39
174.33
129.10
51.87
69.92
98.62
89.29
26.35
85.40
82.11
48.77
70.99
31.95
6.99
1.42
3.14
3.13
53.26
58.20
41.07
26.27
44.18
17.29
1.70
-0.50
72.63
-7.16
-0.29
3.64
14.01
4.53
1.15
4.72
3.04
5.45
1.89
3.88
687.93
848.08
-1.82
8.82
16.43
18.64
13.78
2.65
ਭਾਰਤੀ ਰਿਜ਼ਰਵ ਬੈਂਕ ਮੋਬਾਈਲ ਐਪਲੀਕੇਸ਼ਨ ਇੰਸਟਾਲ ਕਰੋ ਅਤੇ ਨਵੀਨਤਮ ਖਬਰਾਂ ਤੱਕ ਤੇਜ਼ ਐਕਸੈਸ ਪ੍ਰਾਪਤ ਕਰੋ!
ਤੁਹਾਨੂੰ ਇਸ ਪੇਜ ਬਾਰੇ ਕੀ ਲਗਦਾ ਸੀ?* (ਅਧਿਕਤਮ 2000 ਅੱਖਰ)
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