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83760035

B11 : Selected Ratios of Scheduled Commercial Banks : 2004 and 2005 (Part 2 of 3)

               

(in per cent)

         

As on March 31

     
                   
   

Arab Bangladesh

Bank International

 

Bank of

Bank of Bahrain &

     

Bank

Indonesia

 

America

 

Kuwait

                   
 

Ratios

2004

2005

2004

2005

2004

2005

2004

2005

                   
   

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

                   

1.

Cash-deposit ratio

2.66

4.14

15.15

18.08

14.59

8.68

4.94

4.88

2.

Credit-deposit ratio

38.21

93.42

26.73

178.48

192.50

161.56

70.11

66.93

3.

Investment-deposit ratio

32.75

35.43

96.48

366.89

86.93

80.26

73.18

48.13

4.

(Credit + investment)-deposit ratio

70.97

128.85

123.21

545.37

279.43

241.82

143.29

115.06

5.

Ratio of deposits to total liabilities

40.83

34.10

12.47

8.97

31.10

36.27

63.07

65.56

6.

Ratio of term deposits to total deposits

42.21

17.83

62.73

60.49

37.57

42.37

82.70

75.34

7.

Ratio of priority sector advances to total advances

31.12

30.46

19.52

2.11

31.88

20.02

13.72

25.84

8.

Ratio of term-loans to total advances

12.06

4.25

0.00

0.00

3.55

1.00

47.18

44.82

9.

Ratio of secured advances to total advances

100.00

32.77

8.68

12.98

47.31

18.74

94.24

93.82

10.

Ratio of investments in non-approved securities to total investments

19.75

12.94

0.00

0.00

5.70

26.18

19.67

10.22

11.

Ratio of Interest income to total assets

4.31

4.15

3.95

3.13

5.59

4.85

5.75

5.33

12.

Ratio of net interest margin to total assets

3.62

3.43

3.16

2.52

2.34

2.44

1.05

1.95

13.

Ratio of non-interest income to total assets

4.70

5.10

0.14

-0.31

1.62

2.24

2.09

0.38

14.

Ratio of intermediation cost to total assets

2.06

2.62

3.25

2.51

1.58

1.72

1.91

2.05

15.

Ratio of wage bills to intermediation cost

31.40

31.85

18.58

24.14

42.20

47.68

40.16

38.44

16.

Ratio of wage bills to total expenses

23.58

24.97

14.95

19.46

13.82

19.85

11.63

14.50

17.

Ratio of wage bills to total income

7.20

9.02

14.79

21.44

9.25

11.54

9.80

13.78

18.

Ratio of burden to total assets

-2.64

-2.48

3.12

2.81

-0.04

-0.52

-0.18

1.67

19.

Ratio of burden to interest income

-61.22

-59.78

78.86

89.89

-0.76

-10.79

-3.05

31.24

20.

Ratio of operating profits to total assets

6.26

5.91

0.04

-0.29

2.39

2.97

1.23

0.28

21.

Return on assets

3.67

3.43

-0.33

-0.98

1.26

1.46

0.12

-3.77

22.

Return on equity

7.10

5.55

-0.31

-1.11

9.60

7.53

0.90

-28.44

23.

Cost of deposits

1.27

1.02

4.28

3.31

4.12

2.75

5.69

4.25

24.

Cost of borrowings

8.64

0.00

3.73

1.08

3.88

3.65

4.86

2.82

25.

Cost of funds

1.46

1.92

4.07

1.81

3.97

3.24

5.52

3.90

26.

Return on advances

8.34

6.54

10.80

7.25

5.15

4.89

6.32

5.76

27.

Return on investments

4.48

3.59

13.64

7.09

7.53

5.73

6.36

5.20

28.

Return on advances adjusted to cost of funds

6.88

4.62

6.73

5.44

1.17

1.65

0.80

1.86

29.

Return on investments adjusted to cost of funds

3.03

1.67

9.57

5.28

3.55

2.49

0.84

1.30

30.

Business per employee (in Rs. lakh)

221.45

183.07

326.47

274.51

1,747.56

1,707.72

784.00

820.00

31.

Profit per employee (in Rs. lakh)

12.90

10.29

-1.56

-4.15

24.12

29.47

1.00

-28.00

32.

Capital adequacy ratio

111.34

109.39

133.94

92.26

22.92

30.07

21.06

11.66

33.

Capital adequacy ratio - Tier I

109.91

108.00

133.80

92.06

15.68

23.39

19.46

9.84

34.

Capital adequacy ratio - Tier II

1.43

1.39

0.14

0.20

7.24

6.68

1.60

1.82

35.

Ratio of net NPA to net advances

0.37

0.18

72.15

10.49

0.00

0.00

17.73

5.53

                   

Source : Compiled from annual accounts of banks of respective years.

 

 

                 

(in per cent)

           

As on March 31

     
   

Bank of

   

Bank of Nova

Bank of Tokyo

 

Barclays

   

Ceylon

     

Scotia

-Mitsubishi

 

Bank

                     
 

Ratios

2004

 

2005

2004

2005

2004

2005

2004

2005

                     
   

(17)

 

(18)

(19)

(20)

(21)

(22)

(23)

(24)

                     

1.

Cash-deposit ratio

19.47

 

6.57

6.10

5.96

5.52

7.44

9.31

11.86

2.

Credit-deposit ratio

62.24

 

56.80

119.19

128.17

73.86

104.98

2.86

3.24

3.

Investment-deposit ratio

44.21

 

31.12

45.60

55.85

55.81

64.33

499.24

559.85

4.

(Credit + investment)-deposit ratio

106.45

 

87.92

164.79

184.02

129.67

169.31

502.09

563.09

5.

Ratio of deposits to total liabilities

50.25

 

57.66

54.35

47.87

48.81

46.89

6.48

5.41

6.

Ratio of term deposits to total deposits

63.48

 

70.91

93.21

90.39

45.41

38.66

90.89

85.94

7.

Ratio of priority sector advances to total advances

62.84

 

72.61

37.20

32.63

0.83

1.18

0.00

0.00

8.

Ratio of term-loans to total advances

3.40

 

11.79

57.06

30.66

14.19

13.75

100.00

100.00

9.

Ratio of secured advances to total advances

96.10

 

93.30

84.94

83.88

65.70

36.08

81.00

79.68

10.

Ratio of investments in non-approved securities to total investments

0.00

 

0.00

4.20

3.06

99.15

1.70

25.59

32.56

11.

Ratio of Interest income to total assets

5.44

 

4.44

5.17

4.92

6.88

4.91

2.86

2.27

12.

Ratio of net interest margin to total assets

2.15

 

1.66

1.61

1.59

5.06

3.55

2.17

1.65

13.

Ratio of non-interest income to total assets

2.64

 

3.04

1.80

1.61

7.03

4.94

11.15

9.16

14.

Ratio of intermediation cost to total assets

1.63

 

1.26

1.18

1.07

3.63

2.92

2.35

2.27

15.

Ratio of wage bills to intermediation cost

21.51

 

32.99

36.77

37.66

59.86

43.88

75.81

58.11

16.

Ratio of wage bills to total expenses

7.14

 

10.30

9.16

9.17

39.88

29.89

58.65

45.64

17.

Ratio of wage bills to total income

4.35

 

5.56

6.23

6.18

15.63

12.99

12.71

11.55

18.

Ratio of burden to total assets

-1.00

 

-1.78

-0.62

-0.53

-3.40

-2.02

-8.80

-6.89

19.

Ratio of burden to interest income

-18.48

 

-40.14

-11.96

-10.87

-49.37

-41.16

-307.81

-303.50

20.

Ratio of operating profits to total assets

3.15

 

3.44

2.23

2.13

8.46

5.57

10.97

8.54

21.

Return on assets

0.36

 

1.19

0.64

-0.35

6.96

0.93

5.20

4.53

22.

Return on equity

1.38

 

4.02

6.86

-4.47

22.40

2.73

19.43

11.33

23.

Cost of deposits

6.66

 

5.16

5.44

5.63

2.72

1.96

1.39

3.91

24.

Cost of borrowings

0.13

 

0.05

1.34

1.05

0.26

0.26

3.23

3.47

25.

Cost of funds

5.07

 

4.49

4.09

3.71

2.63

1.74

2.57

3.64

26.

Return on advances

10.93

 

9.00

4.88

5.03

8.19

5.93

5.03

23.62

27.

Return on investments

6.36

 

3.93

7.16

5.40

6.05

4.90

5.65

5.86

28.

Return on advances adjusted to cost of funds

5.85

 

4.52

0.79

1.32

5.56

4.18

2.47

19.97

29.

Return on investments adjusted to cost of funds

1.28

 

-0.56

3.07

1.69

3.42

3.16

3.08

2.22

30.

Business per employee (in Rs. lakh)

637.00

628.76

1,678.52

2,085.17

582.27

663.58

270.79

188.49

31.

Profit per employee (in Rs. lakh)

2.66

 

7.95

9.96

-6.30

48.58

6.45

211.40

160.21

32.

Capital adequacy ratio

45.26

 

49.40

13.78

15.27

32.78

32.10

37.16

20.85

33.

Capital adequacy ratio - Tier I

44.23

 

48.30

13.11

14.36

22.11

21.65

34.85

19.88

34.

Capital adequacy ratio - Tier II

1.03

 

1.10

0.67

0.91

10.67

10.45

2.31

0.97

35.

Ratio of net NPA to net advances

21.85

 

13.76

9.07

3.08

0.10

0.01

0.00

0.00

                     

Source : Compiled from annual accounts of banks of respective years.

 

 

                   

(in per cent)

             

As on March 31

   
   

BNP

   

Calyon

   

Chinatrust

Chohung Bank

   

Paribas

   

Bank

   

Commercial Bank

   
 

Ratios

2004

 

2005

2004

 

2005

2004

2005

2004

2005

   

(25)

 

(26)

(27)

 

(28)

(29)

(30)

(31)

(32)

                       

1.

Cash-deposit ratio

5.55

 

7.05

5.17

 

2.84

5.90

13.70

8.47

6.71

2.

Credit-deposit ratio

75.69

102.69

9.37

 

51.63

142.92

121.61

74.99

70.93

3.

Investment-deposit ratio

57.65

 

51.42

66.34

 

68.13

39.21

56.88

66.79

84.19

4.

(Credit + investment)-deposit ratio

133.34

154.11

75.72

119.76

182.13

178.48

141.78

155.11

5.

Ratio of deposits to total liabilities

57.99

 

56.85

72.14

 

69.38

49.44

41.48

27.69

39.54

6.

Ratio of term deposits to total deposits

71.46

 

64.00

69.50

 

80.78

75.45

16.06

56.57

55.15

7.

Ratio of priority sector advances to total advances

24.98

 

20.67

3.67

 

14.57

30.25

30.68

0.00

19.01

8.

Ratio of term-loans to total advances

53.89

 

58.38

97.40

 

18.66

58.87

41.11

14.11

14.35

9.

Ratio of secured advances to total advances

52.83

 

56.43

68.03

 

57.04

98.34

66.93

99.96

77.89

10.

Ratio of investments in non-approved securities to total investments

12.91

 

21.48

35.25

 

18.74

15.11

7.29

32.68

18.30

11.

Ratio of Interest income to total assets

6.22

 

5.93

6.95

 

9.09

9.95

7.49

5.52

5.49

12.

Ratio of net interest margin to total assets

2.74

 

2.88

2.37

 

1.49

6.82

4.76

4.36

4.24

13.

Ratio of non-interest income to total assets

1.55

 

2.28

-0.78

 

1.75

1.06

1.18

2.41

2.14

14.

Ratio of intermediation cost to total assets

3.06

 

3.26

1.81

 

4.12

3.32

3.71

2.03

1.91

15.

Ratio of wage bills to intermediation cost

47.53

 

47.94

38.22

 

38.44

30.72

28.82

28.19

27.14

16.

Ratio of wage bills to total expenses

22.23

 

24.74

10.85

 

13.50

15.79

16.61

17.94

16.41

17.

Ratio of wage bills to total income

18.69

 

19.01

11.25

 

14.60

9.25

12.34

7.22

6.81

18.

Ratio of burden to total assets

1.51

 

0.98

2.59

 

2.37

2.26

2.53

-0.38

-0.23

19.

Ratio of burden to interest income

24.20

 

16.49

37.35

 

26.09

22.66

33.83

-6.80

-4.17

20.

Ratio of operating profits to total assets

1.23

 

1.90

-0.22

 

-0.89

4.56

2.23

4.74

4.46

21.

Return on assets

-0.44

 

0.50

0.51

 

-0.80

1.15

-7.68

1.93

2.49

22.

Return on equity

-4.42

 

4.28

3.04

 

-7.08

3.45

-20.23

6.55

8.45

23.

Cost of deposits

4.25

 

3.30

0.78

 

8.56

5.55

4.11

1.34

1.57

24.

Cost of borrowings

3.17

 

4.81

36.56

 

43.36

1.27

6.53

0.40

0.22

25.

Cost of funds

3.94

 

3.68

5.62

 

10.27

4.79

4.63

1.04

0.99

26.

Return on advances

6.74

 

5.34

8.08

 

13.86

10.38

8.04

6.64

7.72

27.

Return on investments

8.45

 

9.67

10.91

 

10.30

12.49

11.43

7.54

5.72

28.

Return on advances adjusted to cost of funds

2.80

 

1.66

2.46

 

3.59

5.59

3.41

5.61

6.74

29.

Return on investments adjusted to cost of funds

4.51

 

5.99

5.29

 

0.03

7.71

6.81

6.50

4.73

30.

Business per employee (in Rs. lakh)

921.94

980.52

1,006.21

1,885.82

800.45

628.66

744.38

1,109.39

31.

Profit per employee (in Rs. lakh)

-3.99

 

4.70

8.63

 

-15.04

7.69

-52.51

29.62

40.94

32.

Capital adequacy ratio

21.70

 

9.41

24.51

 

14.40

39.98

59.94

54.43

55.31

33.

Capital adequacy ratio - Tier I

13.42

 

6.10

23.39

 

10.00

37.91

58.46

52.89

53.00

34.

Capital adequacy ratio - Tier II

8.28

 

3.31

1.12

 

4.40

2.07

1.48

1.54

2.31

35.

Ratio of net NPA to net advances

0.00

 

0.00

1.01

 

0.30

5.76

6.02

0.80

0.00

                       

Source : Compiled from annual accounts of banks of respective years.

 

 

                   

(in per cent)

         

As on March 31

       
   

Citibank

   

Credit

 

DBS

   

Deutsche Bank

         

Lyonnais #

Bank

       
 

Ratios

2004

 

2005

2004

2005

2004

 

2005

2004

2005

   

(33)

 

(34)

(35)

(36)

(37)

 

(38)

(39)

(40)

                       

1.

Cash-deposit ratio

17.09

 

11.10

4.14

 

2.85

 

3.43

13.22

10.87

2.

Credit-deposit ratio

74.56

 

84.30

54.84

 

28.96

 

91.58

82.85

70.09

3.

Investment-deposit ratio

32.69

 

37.79

56.44

 

65.36

 

40.92

89.92

62.18

4.

(Credit + investment)-deposit ratio

107.25

122.09

111.28

 

94.32

 

132.51

172.76

132.28

5.

Ratio of deposits to total liabilities

69.15

 

63.55

67.30

 

61.64

 

43.38

29.46

33.73

6.

Ratio of term deposits to total deposits

53.85

 

43.98

81.43

 

94.35

 

97.40

40.95

41.26

7.

Ratio of priority sector advances to total advances

22.51

 

23.33

7.78

 

21.29

 

68.04

23.49

26.29

8.

Ratio of term-loans to total advances

68.32

 

70.43

21.43

 

42.82

 

5.43

4.42

18.63

9.

Ratio of secured advances to total advances

56.53

 

57.86

49.49

 

91.71

 

12.56

62.09

45.52

10.

Ratio of investments in non-approved securities to total investments

20.72

 

20.42

18.28

 

0.00

 

33.15

10.74

14.86

11.

Ratio of Interest income to total assets

8.31

 

6.95

7.58

 

6.27

 

3.42

4.17

4.03

12.

Ratio of net interest margin to total assets

4.94

 

4.58

1.60

 

3.40

 

2.58

1.01

0.88

13.

Ratio of non-interest income to total assets

3.24

 

2.98

2.19

 

0.60

 

0.35

8.38

4.22

14.

Ratio of intermediation cost to total assets

3.68

 

3.86

2.26

 

1.48

 

1.83

2.38

2.84

15.

Ratio of wage bills to intermediation cost

24.97

 

19.95

50.08

 

50.44

 

56.34

37.00

27.78

16.

Ratio of wage bills to total expenses

13.04

 

12.35

13.76

 

17.17

 

38.56

15.89

13.17

17.

Ratio of wage bills to total income

7.96

 

7.75

11.60

 

10.88

 

27.30

7.02

9.56

18.

Ratio of burden to total assets

0.45

 

0.88

0.07

 

0.88

 

1.48

-5.99

-1.38

19.

Ratio of burden to interest income

5.37

 

12.67

0.90

 

14.06

 

43.13

-143.82

-34.18

20.

Ratio of operating profits to total assets

4.50

 

3.70

1.53

 

2.52

 

1.10

7.00

2.26

21.

Return on assets

3.55

 

2.84

0.70

 

-1.69

 

0.89

3.17

0.72

22.

Return on equity

23.70

 

19.98

4.08

 

-5.44

 

2.35

31.04

7.18

23.

Cost of deposits

4.16

 

2.94

8.64

 

3.44

 

0.92

1.48

1.44

24.

Cost of borrowings

2.53

 

1.97

2.21

 

8.00

 

7.61

5.25

5.24

25.

Cost of funds

3.91

 

2.77

8.39

 

4.35

 

1.56

3.83

3.79

26.

Return on advances

9.93

 

9.06

8.03

 

9.54

 

3.28

5.01

5.37

27.

Return on investments

10.91

 

7.46

10.16

 

4.63

 

7.04

6.14

4.85

28.

Return on advances adjusted to cost of funds

6.02

 

6.29

-0.36

 

5.19

 

1.72

1.17

1.58

29.

Return on investments adjusted to cost of funds

7.00

 

4.69

1.77

 

0.28

 

5.48

2.31

1.07

30.

Business per employee (in Rs. lakh)

1,666.92

1,359.51

1,401.56

 

1,669.70

1,111.00

1,099.23

1,608.93

31.

Profit per employee (in Rs. lakh)

28.33

 

21.75

9.41

 

-27.60

 

14.52

65.23

20.31

32.

Capital adequacy ratio

11.11

 

10.78

21.70

 

55.49

 

35.06

14.42

16.22

33.

Capital adequacy ratio - Tier I

8.79

 

8.60

13.30

 

54.53

 

34.45

9.32

12.62

34.

Capital adequacy ratio - Tier II

2.32

 

2.18

8.40

 

0.96

 

0.61

5.10

3.60

35.

Ratio of net NPA to net advances

1.40

 

1.00

2.60

 

0.00

 

0.00

0.00

0.00

                       

Note : # : See ‘Explanatory Notes’.
Source : Compiled from annual accounts of banks of respective years.

 

 

                 

(in per cent)

                     
           

As on March 31

   
                     
   

Hongkong &

ING

   

J P Morgan

Krung Thai

   

Shanghai Bank

Bank

   

Chase Bank

 

Bank

                     
 

Ratios

2004

2005

2004

 

2005

2004

2005

2004

2005

   

(41)

(42)

(43)

 

(44)

(45)

(46)

(47)

(48)

                     

1.

Cash-deposit ratio

4.49

8.14

0.00

 

0.00

56.47

12.88

4.96

6.31

2.

Credit-deposit ratio

59.18

74.18

0.00

 

0.00

0.00

16.12

93.91

47.06

3.

Investment-deposit ratio

63.89

53.61

0.00

 

0.00

75.39

40.87

51.19

96.15

4.

(Credit + investment)-deposit ratio

123.07

127.79

0.00

 

0.00

75.39

57.00

145.10

143.21

5.

Ratio of deposits to total liabilities

64.16

60.98

0.00

 

0.00

56.95

71.13

28.87

45.50

6.

Ratio of term deposits to total deposits

53.77

49.30

0.00

 

0.00

79.51

60.16

43.82

43.61

7.

Ratio of priority sector advances to total advances

14.72

17.62

0.00

 

0.00

0.00

0.00

34.65

41.04

8.

Ratio of term-loans to total advances

40.70

49.48

100.00

 

0.00

0.00

0.00

6.35

4.68

9.

Ratio of secured advances to total advances

68.72

69.00

100.00

 

0.00

0.00

0.00

87.77

95.57

10.

Ratio of investments in non-approved securities to total investments

14.40

15.87

100.00

 

0.00

6.30

11.98

16.57

21.73

11.

Ratio of Interest income to total assets

6.11

6.11

1.09

 

2.47

5.74

4.00

5.86

5.60

12.

Ratio of net interest margin to total assets

2.99

3.69

0.29

 

2.47

4.35

2.38

5.35

4.75

13.

Ratio of non-interest income to total assets

3.05

2.48

1.90

 

1.26

3.18

9.29

0.28

0.40

14.

Ratio of intermediation cost to total assets

2.70

2.55

1.77

 

0.50

3.57

2.70

3.97

3.64

15.

Ratio of wage bills to intermediation cost

37.08

34.69

14.49

 

0.00

53.38

48.53

24.09

24.60

16.

Ratio of wage bills to total expenses

17.18

17.79

9.96

 

0.00

38.39

30.27

21.38

19.91

17.

Ratio of wage bills to total income

10.92

10.29

8.58

 

0.00

21.36

9.86

15.57

14.93

18.

Ratio of burden to total assets

-0.35

0.07

-0.13

 

-0.76

0.39

-6.59

3.69

3.24

19.

Ratio of burden to interest income

-5.74

1.07

-11.78

 

-30.77

6.79

-164.54

62.92

57.90

20.

Ratio of operating profits to total assets

2.49

3.62

0.41

 

3.23

3.96

8.97

1.67

1.50

21.

Return on assets

0.91

1.21

-0.05

 

-4.38

2.34

3.58

1.37

0.03

22.

Return on equity

8.33

11.84

-0.07

 

-6.45

7.62

19.31

2.00

0.05

23.

Cost of deposits

3.45

2.59

22.31

 

0.00

2.29

2.28

1.73

2.23

24.

Cost of borrowings

6.67

5.58

0.00

 

0.00

1.22

1.09

0.52

0.44

25.

Cost of funds

3.98

3.03

2.16

 

0.00

1.98

2.19

1.71

2.21

26.

Return on advances

8.40

7.86

6.21

 

3.76

0.00

0.09

9.81

8.46

27.

Return on investments

6.58

7.12

0.60

 

0.00

7.87

5.33

6.91

6.99

28.

Return on advances adjusted to cost of funds

4.42

4.83

4.05

 

0.00

0.00

-2.09

8.09

6.25

29.

Return on investments adjusted to cost of funds

2.60

4.09

-1.56

 

0.00

5.90

3.14

5.20

4.77

30.

Business per employee (in Rs. lakh)

820.91

779.45

0.00

 

N.A.

259.33

593.74

291.03

460.75

31.

Profit per employee (in Rs. lakh)

6.32

8.90

-5.21

 

N.A.

28.74

69.96

7.12

0.19

32.

Capital adequacy ratio

14.54

14.03

56.91

 

74.97

34.83

10.19

115.98

101.01

33.

Capital adequacy ratio - Tier I

11.17

11.38

56.91

 

74.97

32.99

9.44

114.54

99.59

34.

Capital adequacy ratio - Tier II

3.37

2.65

0.00

 

0.00

1.84

0.75

1.44

1.42

35.

Ratio of net NPA to net advances

0.70

0.50

0.09

 

0.00

0.00

0.00

0.00

0.00

                     

Source : Compiled from annual accounts of banks of respective years.

 

 

               

(in per cent)

         

As on March 31

     
   

Mashreq

Mizuho Corporate

 

Oman

 

Societe

     

Bank

 

Bank

International Bank

 

Generale

                   
 

Ratios

2004

2005

2004

2005

2004

2005

2004

2005

                   
   

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

                   

1.

Cash-deposit ratio

3.57

3.52

10.01

4.40

8.30

7.21

5.37

5.53

2.

Credit-deposit ratio

6.24

6.99

354.73

242.80

6.09

5.65

41.42

30.24

3.

Investment-deposit ratio

73.90

87.01

63.55

137.63

49.48

56.65

111.38

112.68

4.

(Credit + investment)-deposit ratio

80.14

94.00

418.28

380.43

55.57

62.29

152.79

142.92

5.

Ratio of deposits to total liabilities

81.29

79.92

17.49

24.13

54.12

50.98

56.18

59.10

6.

Ratio of term deposits to total deposits

92.20

93.06

73.45

89.66

80.11

76.45

93.04

95.29

7.

Ratio of priority sector advances to total advances

60.05

96.50

0.31

20.24

35.53

34.17

13.26

13.47

8.

Ratio of term-loans to total advances

11.30

3.46

11.01

15.72

22.57

15.61

54.86

51.43

9.

Ratio of secured advances to total advances

70.50

99.76

84.80

47.05

100.00

100.00

74.80

70.91

10.

Ratio of investments in non-approved securities to total investments

62.51

54.75

0.00

52.98

0.00

0.00

3.27

0.02

11.

Ratio of Interest income to total assets

9.71

8.48

6.63

4.61

3.84

3.69

4.58

4.61

12.

Ratio of net interest margin to total assets

2.33

1.24

4.38

3.06

-0.34

0.63

2.13

2.17

13.

Ratio of non-interest income to total assets

0.69

1.08

1.01

1.66

1.21

0.35

3.11

1.27

14.

Ratio of intermediation cost to total assets

1.24

1.08

2.53

2.18

1.03

1.07

2.28

2.04

15.

Ratio of wage bills to intermediation cost

29.29

26.31

44.23

46.05

27.12

26.52

43.79

45.49

16.

Ratio of wage bills to total expenses

4.22

3.41

23.42

26.87

5.37

6.87

21.13

20.69

17.

Ratio of wage bills to total income

3.50

2.96

14.63

15.98

5.54

7.03

12.98

15.78

18.

Ratio of burden to total assets

0.55

0.00

1.51

0.52

-0.18

0.72

-0.83

0.77

19.

Ratio of burden to interest income

5.67

-0.06

22.85

11.19

-4.76

19.56

-18.19

16.72

20.

Ratio of operating profits to total assets

1.78

1.25

2.87

2.54

-0.16

-0.09

2.97

1.39

21.

Return on assets

1.76

1.10

2.41

2.13

-0.49

-2.86

2.14

1.61

22.

Return on equity

11.64

6.50

6.04

6.04

-1.36

-8.86

10.34

6.42

23.

Cost of deposits

9.05

8.96

2.71

3.39

6.68

5.45

2.46

3.86

24.

Cost of borrowings

3.03

0.00

4.07

1.78

4.82

2.62

4.41

2.29

25.

Cost of funds

8.98

8.98

3.33

2.41

6.51

5.11

3.31

3.65

26.

Return on advances

21.79

7.35

7.47

5.15

6.09

3.23

5.08

4.86

27.

Return on investments

11.02

10.72

5.52

6.11

7.31

7.98

5.06

5.22

28.

Return on advances adjusted to cost of funds

12.81

-1.63

4.14

2.73

-0.42

-1.89

1.77

1.21

29.

Return on investments adjusted to cost of funds

2.04

1.74

2.19

3.70

0.80

2.87

1.76

1.57

30.

Business per employee (in Rs. lakh)

865.85

521.26

527.80

608.21

1,233.79

1,132.28

1,017.00

1,057.90

31.

Profit per employee (in Rs. lakh)

50.53

36.99

16.06

18.67

-5.61

-40.79

25.40

25.40

32.

Capital adequacy ratio

54.71

60.14

36.09

28.76

16.48

13.52

32.71

64.81

33.

Capital adequacy ratio - Tier I

53.15

58.03

35.41

27.52

16.25

13.20

30.20

61.53

34.

Capital adequacy ratio - Tier II

1.56

2.11

0.68

1.24

0.23

0.32

2.51

3.28

35.

Ratio of net NPA to net advances

0.00

0.00

0.00

0.00

61.37

55.05

1.37

0.00

                   

Source : Compiled from annual accounts of banks of respective years.

 

 

               

(in per cent)

                   
         

As on March 31

     
                   
   

Sonali

 

Standard

State Bank

Sumitomo

   

Bank

 

Chartered Bank

of Mauritius

Mitsui Bank #

                   
 

Ratios

2004

2005

2004

2005

2004

2005

2004

2005

                   
   

(57)

(58)

(59)

(60)

(61)

(62)

(63)

(64)

                   

1.

Cash-deposit ratio

11.52

17.96

5.19

5.39

6.03

16.66

15.04

 

2.

Credit-deposit ratio

19.70

26.86

80.97

88.67

145.86

149.97

132.10

 

3.

Investment-deposit ratio

22.10

32.31

50.52

45.11

62.14

94.93

132.49

 

4.

(Credit + investment)-deposit ratio

41.80

59.17

131.49

133.78

208.00

244.90

264.59

 

5.

Ratio of deposits to total liabilities

80.85

68.34

58.08

60.40

41.38

32.50

24.89

 

6.

Ratio of term deposits to total deposits

21.62

24.41

55.17

53.82

91.18

79.18

46.26

 

7.

Ratio of priority sector advances to total advances

1.82

1.39

24.61

29.17

18.80

21.54

15.14

 

8.

Ratio of term-loans to total advances

0.00

0.00

45.56

53.89

71.87

61.84

72.21

 

9.

Ratio of secured advances to total advances

39.52

33.86

68.58

72.22

74.15

94.55

78.90

 

10.

Ratio of investments in non-approved securities to total investments

29.87

38.80

30.31

24.39

7.76

16.87

38.93

 

11.

Ratio of Interest income to total assets

3.82

4.22

7.93

6.96

7.05

8.13

7.61

 

12.

Ratio of net interest margin to total assets

1.38

1.84

4.56

3.87

3.10

3.04

5.55

 

13.

Ratio of non-interest income to total assets

11.77

14.29

2.20

1.47

3.44

0.47

1.04

 

14.

Ratio of intermediation cost to total assets

6.99

8.85

2.43

2.35

1.12

1.04

2.42

 

15.

Ratio of wage bills to intermediation cost

53.47

53.21

28.44

33.93

34.94

29.49

41.66

 

16.

Ratio of wage bills to total expenses

39.67

41.96

11.94

14.66

7.71

4.98

22.53

 

17.

Ratio of wage bills to total income

23.97

25.45

6.84

9.47

3.73

3.55

11.68

 

18.

Ratio of burden to total assets

-4.78

-5.44

0.24

0.88

-2.33

0.57

1.38

 

19.

Ratio of burden to interest income

-125.35

-129.07

3.00

12.71

-33.00

6.97

18.20

 

20.

Ratio of operating profits to total assets

6.17

7.28

4.33

2.98

5.42

2.47

4.17

 

21.

Return on assets

3.34

4.00

1.74

1.61

1.33

1.20

-13.71

 

22.

Return on equity

25.41

26.22

21.56

20.16

4.88

4.43

-41.57

 

23.

Cost of deposits

2.02

2.63

3.77

3.30

5.62

6.11

3.13

 

24.

Cost of borrowings

0.00

0.00

3.83

2.86

5.80

8.70

4.56

 

25.

Cost of funds

2.02

2.63

3.78

3.20

5.69

7.33

3.87

 

26.

Return on advances

8.85

11.13

10.47

9.27

6.33

8.50

10.83

 

27.

Return on investments

8.55

6.70

8.80

6.94

10.55

6.18

6.01

 

28.

Return on advances adjusted to cost of funds

6.83

8.50

6.69

6.07

0.63

1.17

6.96

 

29.

Return on investments adjusted to cost of funds

6.53

4.08

5.02

3.74

4.86

-1.15

2.13

 

30.

Business per employee (in Rs. lakh)

74.54

92.29

780.11

786.36

1,523.00

1,191.00

297.32

 

31.

Profit per employee (in Rs. lakh)

2.57

3.35

13.40

11.50

20.00

18.00

-70.55

 

32.

Capital adequacy ratio

60.55

105.81

10.87

10.46

35.08

31.06

52.30

 

33.

Capital adequacy ratio - Tier I

59.94

103.73

7.11

7.10

33.73

29.76

42.85

 

34.

Capital adequacy ratio - Tier II

0.61

2.08

3.76

3.36

1.35

1.30

9.45

 

35.

Ratio of net NPA to net advances

1.47

1.90

0.52

1.12

4.64

4.08

12.78

 
                   

Note : # : See ‘Explanatory Notes’.
Source : Compiled from annual accounts of banks of respective years.

 

 

   

(in per cent)

   

As on March 31

     

UFJ

     

Bank

 

Ratios

2004

2005

   

(65)

(66)

       

1.

Cash-deposit ratio

10.61

9.49

2.

Credit-deposit ratio

153.65

144.47

3.

Investment-deposit ratio

73.78

85.07

4.

(Credit + investment)-deposit ratio

227.42

229.54

5.

Ratio of deposits to total liabilities

19.24

21.85

6.

Ratio of term deposits to total deposits

51.57

41.27

7.

Ratio of priority sector advances to total advances

17.07

12.76

8.

Ratio of term-loans to total advances

17.85

6.43

9.

Ratio of secured advances to total advances

97.31

57.20

10.

Ratio of investments in non-approved securities to total investments

44.80

32.03

11.

Ratio of Interest income to total assets

4.90

5.09

12.

Ratio of net interest margin to total assets

4.24

4.47

13.

Ratio of non-interest income to total assets

1.12

1.61

14.

Ratio of intermediation cost to total assets

1.76

1.86

15.

Ratio of wage bills to intermediation cost

32.10

35.47

16.

Ratio of wage bills to total expenses

23.32

26.58

17.

Ratio of wage bills to total income

9.38

9.85

18.

Ratio of burden to total assets

0.64

0.25

19.

Ratio of burden to interest income

12.99

4.98

20.

Ratio of operating profits to total assets

3.60

4.22

21.

Return on assets

1.75

2.13

22.

Return on equity

2.70

3.04

23.

Cost of deposits

2.22

2.20

24.

Cost of borrowings

0.48

0.05

25.

Cost of funds

1.80

1.58

26.

Return on advances

6.91

5.45

27.

Return on investments

4.74

7.06

28.

Return on advances adjusted to cost of funds

5.11

3.88

29.

Return on investments adjusted to cost of funds

2.94

5.49

30.

Business per employee (in Rs. lakh)

535.72

494.64

31.

Profit per employee (in Rs. lakh)

17.35

21.99

32.

Capital adequacy ratio

121.69

121.60

33.

Capital adequacy ratio - Tier I

120.61

120.07

34.

Capital adequacy ratio - Tier II

1.08

1.53

35.

Ratio of net NPA to net advances

0.00

0.00

       

Source : Compiled from annual accounts of banks of respective years.

 

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