Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 1 of 4) - ਆਰਬੀਆਈ - Reserve Bank of India
Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 1 of 4)
State Bank of India and its Associates |
(per cent) | |||||||||
As on March 31 | |||||||||
Ratios | State Bank | State Bank of | State Bank of | State Bank of | |||||
of India | Bikaner & Jaipur | Hyderabad | Indore | ||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) | ||
1. | Cash-deposit ratio | 9.60 | 7.62 | 13.76 | 12.99 | 10.96 | 7.31 | 11.30 | 7.54 |
2. | Credit-deposit ratio | 49.84 | 46.78 | 48.50 | 50.05 | 48.60 | 47.78 | 55.76 | 51.17 |
3. | Investment-deposit ratio | 46.68 | 50.60 | 53.40 | 51.57 | 55.96 | 59.01 | 47.11 | 58.47 |
4. | (Credit + investment)-deposit ratio | 96.52 | 97.38 | 101.90 | 101.62 | 104.56 | 106.79 | 102.86 | 109.64 |
5. | Ratio of deposits to total liabilities | 75.26 | 76.93 | 72.77 | 74.47 | 80.78 | 80.92 | 81.17 | 81.46 |
6. | Ratio of term deposits to total deposits | 60.53 | 63.67 | 58.35 | 56.52 | 62.11 | 63.23 | 59.10 | 65.09 |
7. | Ratio of priority sector advances to total advances | 26.38 | 26.55 | 41.50 | 39.60 | 35.63 | 34.74 | 40.47 | 40.42 |
8. | Ratio of term-loans to total advances | 34.54 | 34.82 | 24.58 | 24.44 | 25.12 | 27.41 | 31.44 | 34.19 |
9. | Ratio of secured advances to total advances | 93.94 | 87.21 | 96.20 | 95.62 | 98.21 | 94.96 | 97.04 | 94.71 |
10. | Ratio of investments in non-approved securities to total investments | 19.48 | 16.89 | 10.57 | 10.13 | 14.57 | 12.95 | 12.91 | 11.65 |
11. | Ratio of Interest income to total assets | 9.17 | 9.01 | 9.83 | 9.62 | 10.33 | 10.01 | 9.97 | 9.79 |
12. | Ratio of net interest margin to total assets | 2.86 | 2.86 | 3.29 | 3.46 | 3.62 | 3.61 | 3.34 | 3.22 |
13. | Ratio of non-interest income to total assets | 1.47 | 1.39 | 1.94 | 1.82 | 1.86 | 1.70 | 2.39 | 2.24 |
14. | Ratio of intermediation cost to total assets | 2.60 | 2.88 | 3.24 | 3.24 | 2.61 | 2.66 | 3.43 | 3.09 |
15. | Ratio of wage bills to intermediation cost | 71.13 | 72.44 | 72.24 | 76.89 | 66.87 | 71.28 | 69.24 | 69.44 |
16. | Ratio of wage bills to total expenses | 20.76 | 23.07 | 23.92 | 26.51 | 18.75 | 20.96 | 23.62 | 22.20 |
17. | Ratio of wage bills to total income | 17.38 | 20.02 | 19.87 | 21.79 | 14.34 | 16.22 | 19.22 | 17.81 |
18. | Ratio of burden to total assets | 1.13 | 1.48 | 1.30 | 1.43 | 0.76 | 0.96 | 1.04 | 0.84 |
19. | Ratio of burden to interest income | 12.28 | 16.46 | 13.21 | 14.81 | 7.33 | 9.62 | 10.42 | 8.61 |
20. | Ratio of operating profits to total assets | 1.74 | 1.37 | 2.10 | 2.04 | 2.87 | 2.65 | 2.30 | 2.38 |
21. | Return on assets | 0.75 | 0.50 | 1.06 | 0.80 | 0.82 | 0.82 | 0.85 | 0.89 |
22. | Return on equity | 18.20 | 12.53 | 25.55 | 18.61 | 22.94 | 21.77 | 21.16 | 23.49 |
23. | Cost of deposits | 7.87 | 7.57 | 8.23 | 7.88 | 7.93 | 7.53 | 7.67 | 7.58 |
24. | Cost of borrowings | 6.07 | 5.21 | 11.89 | 14.35 | 14.47 | 21.23 | 3.10 | 2.32 |
25. | Cost of funds | 7.78 | 7.47 | 8.27 | 7.92 | 8.01 | 7.67 | 7.56 | 7.41 |
26. | Return on advances | 10.59 | 10.53 | 11.69 | 11.48 | 11.90 | 11.70 | 11.54 | 11.20 |
27. | Return on investments | 11.65 | 10.46 | 12.08 | 11.41 | 11.57 | 10.88 | 11.30 | 10.22 |
28. | Return on advance s adjusted to cost of funds | 2.80 | 3.06 | 3.42 | 3.56 | 3.88 | 4.04 | 3.99 | 3.78 |
29. | Return on investment adjusted to cost of funds | 3.87 | 2.99 | 3.81 | 3.49 | 3.56 | 3.21 | 3.75 | 2.80 |
30. | Business per employee (in Rs. lakh) | 111.20 | 136.58 | 86.47 | 105.19 | 126.00 | 165.00 | 142.82 | 126.00 |
31. | Profit per employee (in Rs. lakh) | 0.87 | 0.70 | 1.69 | 1.96 | 0.87 | 1.13 | 1.07 | 2.60 |
32. | Capital adequacy ratio | 11.49 | 12.79 | 12.35 | 12.39 | 10.86 | 12.28 | 12.10 | 12.73 |
33. | Capital adequacy ratio - Tier I | 8.28 | 8.58 | 11.09 | 11.62 | 9.27 | 8.92 | 8.86 | 9.12 |
34. | Capital adequacy ratio - Tier II | 3.21 | 4.21 | 1.26 | 0.77 | 1.59 | 3.36 | 3.24 | 3.61 |
35. | Ratio of net NPA to net advances | 6.41 | 6.03 | 10.14 | 7.83 | 7.30 | 7.82 | 6.95 | 5.91 |
(per cent) | |||||||||
As on March 31 | |||||||||
Ratios | State Bank of | State Bank of | State Bank of | State Bank of | |||||
Mysore | Patiala | Saurashtra | Travancore | ||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(9) | (10) | (11) | (12) | (13) | (14) | (15) | (16) | ||
1. | Cash-deposit ratio | 10.57 | 8.77 | 10.85 | 9.41 | 12.86 | 9.56 | 5.56 | 6.09 |
2. | Credit-deposit ratio | 52.70 | 56.34 | 56.72 | 59.04 | 55.43 | 53.93 | 50.39 | 55.28 |
3. | Investment-deposit ratio | 45.63 | 46.66 | 44.43 | 36.63 | 44.52 | 46.10 | 47.84 | 47.12 |
4. | (Credit + investment)-deposit ratio | 98.33 | 103.01 | 101.15 | 95.67 | 99.95 | 100.02 | 98.23 | 102.40 |
5. | Ratio of deposits to total liabilities | 80.05 | 80.82 | 82.70 | 80.80 | 76.62 | 77.68 | 81.89 | 79.91 |
6. | Ratio of term deposits to total deposits | 64.57 | 65.32 | 54.15 | 56.61 | 66.72 | 65.67 | 66.86 | 66.29 |
7. | Ratio of priority sector advances to total advances | 39.09 | 36.39 | 36.92 | 37.03 | 43.14 | 43.35 | 33.23 | 31.50 |
8. | Ratio of term-loans to total advances | 26.10 | 25.49 | 28.66 | 29.21 | 21.81 | 23.61 | 25.80 | 24.12 |
9. | Ratio of secured advances to total advances | 94.75 | 94.48 | 91.77 | 92.28 | 98.77 | 93.81 | 91.40 | 86.45 |
10. | Ratio of investments in non-approved securities to total investments | 19.90 | 19.11 | 14.68 | 15.46 | 22.14 | 23.83 | 9.23 | 7.77 |
11. | Ratio of Interest income to total assets | 10.55 | 10.34 | 10.11 | 10.09 | 10.02 | 9.53 | 9.93 | 9.77 |
12. | Ratio of net interest margin to total assets | 3.71 | 3.54 | 4.11 | 4.54 | 3.47 | 3.12 | 2.41 | 2.94 |
13. | Ratio of non-interest income to total assets | 2.17 | 1.93 | 1.42 | 1.28 | 1.64 | 1.39 | 1.67 | 1.44 |
14. | Ratio of intermediation cost to total assets | 3.73 | 3.92 | 2.50 | 2.82 | 2.78 | 3.07 | 2.52 | 2.67 |
15. | Ratio of wage bills to intermediation cost | 78.96 | 80.97 | 72.99 | 76.59 | 74.00 | 68.69 | 75.23 | 77.12 |
16. | Ratio of wage bills to total expenses | 27.84 | 29.60 | 21.46 | 25.82 | 22.02 | 22.25 | 18.90 | 21.65 |
17. | Ratio of wage bills to total income | 23.14 | 25.84 | 15.82 | 19.01 | 17.61 | 19.31 | 16.36 | 18.35 |
18. | Ratio of burden to total assets | 1.56 | 1.99 | 1.08 | 1.54 | 1.14 | 1.68 | 0.85 | 1.23 |
19. | Ratio of burden to interest income | 14.80 | 19.19 | 10.65 | 15.31 | 11.33 | 17.60 | 8.60 | 12.54 |
20. | Ratio of operating profits to total assets | 2.15 | 1.56 | 3.03 | 3.00 | 2.33 | 1.44 | 1.56 | 1.71 |
21. | Return on assets | 0.58 | 0.27 | 1.13 | 1.12 | 1.14 | 0.18 | 0.53 | 0.67 |
22. | Return on equity | 18.41 | 8.97 | 18.17 | 18.82 | 18.94 | 2.70 | 16.31 | 20.56 |
23. | Cost of deposits | 8.00 | 7.95 | 7.16 | 6.67 | 8.40 | 8.03 | 8.74 | 7.90 |
24. | Cost of borrowings | 2.79 | 3.03 | 5.58 | 13.92 | 0.68 | 1.33 | 40.60 | 72.07 |
25. | Cost of funds | 7.68 | 7.73 | 7.14 | 6.70 | 8.05 | 7.83 | 8.91 | 8.19 |
26. | Return on advances | 13.67 | 12.30 | 11.53 | 11.39 | 12.22 | 11.39 | 10.97 | 10.77 |
27. | Return on investments | 11.99 | 12.18 | 11.59 | 11.97 | 12.66 | 11.95 | 12.10 | 11.84 |
28. | Return on advances adjusted to cost of funds | 5.99 | 4.56 | 4.39 | 4.69 | 4.17 | 3.56 | 2.07 | 2.58 |
29. | Return on investments adjusted to cost of funds | 4.31 | 4.45 | 4.45 | 5.27 | 4.61 | 4.12 | 3.20 | 3.65 |
30. | Business per employee (in Rs. lakh) | 81.61 | 112.15 | 123.62 | 143.45 | 98.28 | 123.87 | 121.65 | 157.32 |
31. | Profit per employee (in Rs. lakh) | 1.42 | 0.26 | 0.99 | 1.23 | 1.09 | 0.21 | 0.54 | 0.85 |
32. | Capital adequacy ratio | 11.50 | 11.16 | 12.60 | 12.37 | 14.48 | 13.89 | 11.09 | 11.79 |
33. | Capital adequacy ratio - Tier I | 7.38 | 6.76 | 10.83 | 10.69 | 14.13 | 13.65 | 7.54 | 7.73 |
34. | Capital adequacy ratio - Tier II | 4.12 | 4.40 | 1.77 | 1.68 | 0.35 | 0.24 | 3.55 | 4.06 |
35. | Ratio of net NPA to net advances | 8.12 | 7.65 | 6.09 | 4.92 | 7.87 | 7.30 | 8.58 | 7.75 |
NATIONALISED BANKS | |||||||||
(per cent) | |||||||||
As on March 31 | |||||||||
Ratios | Allahabad | Andhra Bank | Bank of Baroda | Bank of India | |||||
Bank | |||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) | ||
1. | Cash-deposit ratio | 11.18 | 10.52 | 11.81 | 8.91 | 6.83 | 8.09 | 6.76 | 7.42 |
2. | Credit-deposit ratio | 46.71 | 47.66 | 38.66 | 40.58 | 47.54 | 50.79 | 52.85 | 61.58 |
3. | Investment-deposit ratio | 46.60 | 43.37 | 52.89 | 54.04 | 36.17 | 36.78 | 34.91 | 35.27 |
4. | (Credit + investment)-deposit ratio | 93.30 | 91.03 | 91.55 | 94.63 | 83.71 | 87.57 | 87.75 | 96.84 |
5. | Ratio of deposits to total liabilities | 89.50 | 91.16 | 91.23 | 89.71 | 87.55 | 85.26 | 85.16 | 86.76 |
6. | Ratio of term deposits to total deposits | 58.07 | 57.98 | 69.93 | 75.23 | 68.10 | 67.01 | 66.47 | 66.99 |
7. | Ratio of priority sector advances to total advances | 39.33 | 42.36 | 38.32 | 35.73 | 27.02 | 24.29 | 26.13 | 23.88 |
8. | Ratio of term-loans to total advances | 45.50 | 45.05 | 35.66 | 34.56 | 32.74 | 33.66 | 39.68 | 41.79 |
9. | Ratio of secured advances to total advances | 89.59 | 81.58 | 90.61 | 90.18 | 95.29 | 90.10 | 86.25 | 84.90 |
10. | Ratio of investments in non-approved securities to total investments | 15.53 | 13.94 | 14.08 | 10.93 | 28.56 | 31.01 | 22.77 | 22.09 |
11. | Ratio of Interest income to total assets | 9.94 | 9.90 | 10.53 | 10.36 | 9.42 | 9.44 | 8.61 | 9.20 |
12. | Ratio of net interest margin to total assets | 3.04 | 3.26 | 3.04 | 2.77 | 3.09 | 3.18 | 2.35 | 2.86 |
13. | Ratio of non-interest income to total assets | 1.39 | 1.16 | 1.70 | 1.13 | 1.16 | 1.16 | 1.43 | 1.49 |
14. | Ratio of intermediation cost to total assets | 2.89 | 3.15 | 2.62 | 2.52 | 2.35 | 2.64 | 2.54 | 3.02 |
15. | Ratio of wage bills to intermediation cost | 68.49 | 73.08 | 72.78 | 74.23 | 68.78 | 71.27 | 71.55 | 76.78 |
16. | Ratio of wage bills to total expenses | 20.20 | 23.51 | 18.86 | 18.50 | 18.64 | 21.11 | 20.65 | 24.76 |
17. | Ratio of wage bills to total income | 17.46 | 20.81 | 15.59 | 16.29 | 15.29 | 17.73 | 18.09 | 21.67 |
18. | Ratio of burden to total assets | 1.50 | 1.99 | 0.92 | 1.39 | 1.19 | 1.48 | 1.11 | 1.53 |
19. | Ratio of burden to interest income | 15.10 | 20.07 | 8.76 | 13.43 | 12.68 | 15.66 | 12.90 | 16.59 |
20. | Ratio of operating profits to total assets | 1.54 | 1.27 | 2.12 | 1.37 | 1.90 | 1.70 | 1.24 | 1.34 |
21. | Return on assets | 0.35 | 0.18 | 0.76 | 0.59 | 0.85 | 0.45 | 0.31 | 0.44 |
22. | Return on equity | 7.97 | 4.42 | 22.45 | 18.10 | 16.40 | 8.33 | 7.03 | 9.69 |
23. | Cost of deposits | 7.61 | 7.17 | 7.87 | 7.96 | 6.78 | 6.80 | 6.64 | 6.47 |
24. | Cost of borrowings | 1.32 | 4.23 | 18.51 | 19.86 | 18.97 | 11.55 | 12.79 | 18.71 |
25. | Cost of funds | 7.59 | 7.17 | 8.00 | 8.07 | 6.89 | 6.86 | 6.95 | 6.91 |
26. | Return on advances | 11.62 | 11.94 | 12.76 | 12.22 | 11.39 | 11.34 | 11.10 | 10.97 |
27. | Return on investments | 11.72 | 10.99 | 11.84 | 11.79 | 11.57 | 11.20 | 10.47 | 10.35 |
28. | Return on advance adjusted to cost of funds | 4.03 | 4.77 | 4.76 | 4.15 | 4.51 | 4.48 | 4.15 | 4.06 |
29. | Return on investment adjusted to cost of funds | 4.14 | 3.82 | 3.84 | 3.72 | 4.68 | 4.34 | 3.52 | 3.44 |
30. | Business per employee (in Rs. lakh) | 105.00 | 129.00 | 111.71 | 153.62 | 142.82 | 166.11 | 135.65 | 184.26 |
31. | Profit per employee (in Rs. lakh) | 0.31 | 0.19 | 0.82 | 0.95 | 1.07 | 0.59 | 0.33 | 0.57 |
32. | Capital adequacy ratio | 11.51 | 10.50 | 13.36 | 13.40 | 12.10 | 12.80 | 10.57 | 12.23 |
33. | Capital adequacy ratio - Tier I | 7.10 | 6.70 | 10.01 | 9.76 | 8.86 | 8.49 | 6.91 | 7.62 |
34. | Capital adequacy ratio - Tier II | 4.41 | 3.80 | 3.35 | 3.64 | 3.24 | 4.31 | 3.66 | 4.61 |
35. | Ratio of net NPA to net advances | 12.24 | 11.23 | 3.47 | 2.95 | 5.94 | 6.77 | 7.55 | 6.72 |
(per cent) | |||||||||
As on March 31 | |||||||||
Ratios | Bank of | Canara Bank | Central Bank of | Corporation | |||||
Maharashtra | India | Bank | |||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(9) | (10) | (11) | (12) | (13) | (14) | (15) | (16) | ||
1. | Cash-deposit ratio | 9.48 | 10.86 | 8.00 | 6.58 | 10.06 | 9.91 | 8.14 | 6.57 |
2. | Credit-deposit ratio | 39.18 | 39.19 | 49.05 | 47.12 | 44.06 | 45.36 | 54.47 | 52.33 |
3. | Investment-deposit ratio | 55.79 | 51.93 | 41.71 | 36.31 | 47.63 | 46.43 | 41.75 | 41.43 |
4. | (Credit + investment)-deposit ratio | 94.97 | 91.12 | 90.77 | 83.42 | 91.69 | 91.79 | 96.22 | 93.76 |
5. | Ratio of deposits to total liabilities | 88.05 | 89.42 | 88.23 | 88.91 | 86.49 | 87.85 | 85.19 | 84.05 |
6. | Ratio of term deposits to total deposits | 61.65 | 65.79 | 62.01 | 65.07 | 58.45 | 60.33 | 72.91 | 73.53 |
7. | Ratio of priority sector advances to total advances | 35.19 | 37.79 | 28.91 | 28.99 | 36.79 | 38.07 | 29.02 | 33.10 |
8. | Ratio of term-loans to total advances | 40.25 | 43.13 | 33.49 | 31.37 | 38.79 | 39.51 | 54.88 | 45.22 |
9. | Ratio of secured advances to total advances | 92.90 | 92.20 | 86.72 | 83.88 | 91.59 | 88.50 | 85.53 | 86.23 |
10. | Ratio of investments in non-approved securities to total investments | 18.67 | 14.53 | 33.00 | 25.40 | 21.96 | 24.16 | 32.57 | 28.30 |
11. | Ratio of Interest income to total assets | 10.71 | 9.96 | 9.46 | 9.30 | 6.52 | 9.61 | 10.11 | 9.90 |
12. | Ratio of net interest margin to total assets | 3.41 | 3.26 | 2.80 | 3.12 | 1.77 | 3.27 | 2.89 | 3.19 |
13. | Ratio of non-interest income to total assets | 1.35 | 1.30 | 1.63 | 1.52 | 0.69 | 1.06 | 1.71 | 1.60 |
14. | Ratio of intermediation cost to total assets | 3.06 | 3.16 | 2.63 | 2.76 | 1.97 | 3.26 | 1.92 | 1.87 |
15. | Ratio of wage bills to intermediation cost | 77.33 | 78.36 | 70.46 | 75.05 | 76.35 | 79.56 | 58.31 | 58.59 |
16. | Ratio of wage bills to total expenses | 22.87 | 25.10 | 19.96 | 23.18 | 22.36 | 27.02 | 12.22 | 12.78 |
17. | Ratio of wage bills to total income | 19.67 | 21.97 | 16.72 | 19.17 | 20.84 | 24.34 | 9.45 | 9.54 |
18. | Ratio of burden to total assets | 1.72 | 1.86 | 1.00 | 1.24 | 1.28 | 2.21 | 0.21 | 0.27 |
19. | Ratio of burden to interest income | 16.05 | 18.66 | 10.60 | 13.38 | 19.57 | 22.95 | 2.07 | 2.73 |
20. | Ratio of operating profits to total assets | 1.69 | 1.40 | 1.80 | 1.87 | 0.49 | 1.06 | 2.68 | 2.92 |
21. | Return on assets | 0.59 | 0.24 | 0.43 | 0.43 | 0.38 | 0.10 | 1.54 | 1.55 |
22. | Return on equity | 17.63 | 8.05 | 9.43 | 10.54 | 1.56 | 1.82 | 21.94 | 21.01 |
23. | Cost of deposits | 7.85 | 7.19 | 7.19 | 6.68 | 5.32 | 7.06 | 8.30 | 7.68 |
24. | Cost of borrowings | 4.61 | 2.85 | 1.37 | 2.06 | 8.54 | 3.61 | 6.91 | 4.38 |
25. | Cost of funds | 7.78 | 7.09 | 7.02 | 6.56 | 5.35 | 7.03 | 8.28 | 7.59 |
26. | Return on advances | 12.65 | 11.79 | 11.55 | 11.37 | 8.40 | 11.36 | 11.46 | 11.36 |
27. | Return on investments | 12.52 | 11.47 | 10.92 | 10.78 | 6.52 | 11.80 | 12.01 | 11.60 |
28. | Return on advances adjusted to cost of funds | 4.88 | 4.70 | 4.53 | 4.81 | 3.05 | 4.34 | 3.19 | 3.77 |
29. | Return on investments adjusted to cost of funds | 4.74 | 4.38 | 3.90 | 4.22 | 1.17 | 4.78 | 3.74 | 4.02 |
30. | Business per employee (in Rs. lakh) | 114.84 | 164.77 | 135.20 | 190.67 | 93.30 | 110.38 | 207.68 | 245.31 |
31. | Profit per employee (in Rs. lakh) | 0.56 | 0.32 | 0.45 | 0.63 | 0.31 | 0.10 | 2.20 | 2.55 |
32. | Capital adequacy ratio | 11.66 | 10.64 | 9.64 | 9.84 | 11.18 | 10.02 | 12.80 | 13.30 |
33. | Capital adequacy ratio - Tier I | 7.41 | 6.39 | 7.77 | 7.31 | 6.65 | 5.74 | 12.70 | 13.00 |
34. | Capital adequacy ratio - Tier II | 4.25 | 4.25 | 1.87 | 2.53 | 4.53 | 4.28 | 0.10 | 0.30 |
35. | Ratio of net NPA to net advances | 6.97 | 7.41 | 5.20 | 4.84 | 9.84 | 9.72 | 1.92 | 1.98 |
(per cent) | |||||||||
As on March 31 | |||||||||
Ratios | Dena Bank | Indian Bank | Indian Overseas | Oriental Bank of | |||||
Bank | Commerce | ||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(17) | (18) | (19) | (20) | (21) | (22) | (23) | (24) | ||
1. | Cash-deposit ratio | 9.42 | 8.22 | 8.03 | 6.58 | 12.01 | 8.54 | 10.30 | 8.22 |
2. | Credit-deposit ratio | 53.57 | 48.05 | 42.92 | 43.49 | 47.59 | 47.77 | 42.21 | 44.88 |
3. | Investment-deposit ratio | 52.05 | 46.77 | 44.71 | 46.10 | 42.15 | 42.94 | 52.32 | 49.83 |
4. | (Credit + investment)-deposit ratio | 105.62 | 94.82 | 87.63 | 89.59 | 89.74 | 90.71 | 94.52 | 94.71 |
5. | Ratio of deposits to total liabilities | 78.85 | 81.37 | 81.24 | 81.43 | 88.04 | 90.49 | 90.03 | 91.16 |
6. | Ratio of term deposits to total deposits | 62.75 | 61.68 | 70.24 | 71.76 | 67.84 | 68.44 | 74.92 | 74.40 |
7. | Ratio of priority sector advances to total advances | 40.11 | 39.12 | 24.86 | 23.85 | 29.63 | 30.95 | 39.70 | 38.76 |
8. | Ratio of term-loans to total advances | 35.34 | 43.51 | 18.78 | 22.63 | 22.88 | 26.12 | 33.21 | 33.31 |
9. | Ratio of secured advances to total advances | 97.40 | 97.32 | 93.01 | 87.87 | 94.14 | 91.33 | 95.98 | 94.61 |
10. | Ratio of investments in non-approved securities to total investments | 33.36 | 33.09 | 15.33 | 16.75 | 12.93 | 16.21 | 39.14 | 36.08 |
11. | Ratio of Interest income to total assets | 10.02 | 9.88 | 8.44 | 8.37 | 12.73 | 9.65 | 11.35 | 10.69 |
12. | Ratio of net interest margin to total assets | 2.64 | 2.58 | 1.69 | 1.95 | 3.68 | 3.04 | 3.29 | 3.06 |
13. | Ratio of non-interest income to total assets | 1.34 | 1.15 | 1.22 | 1.26 | 1.15 | 1.04 | 1.02 | 1.04 |
14. | Ratio of intermediation cost to total assets | 2.60 | 3.34 | 2.81 | 2.96 | 3.32 | 3.03 | 1.98 | 2.03 |
15. | Ratio of wage bills to intermediation cost | 71.23 | 74.93 | 78.16 | 79.78 | 70.77 | 76.34 | 54.03 | 60.11 |
16. | Ratio of wage bills to total expenses | 18.54 | 23.52 | 22.95 | 25.19 | 18.99 | 23.99 | 10.65 | 12.64 |
17. | Ratio of wage bills to total income | 16.29 | 22.68 | 22.70 | 24.55 | 16.93 | 21.61 | 8.64 | 10.41 |
18. | Ratio of burden to total assets | 1.26 | 2.19 | 1.58 | 1.70 | 2.17 | 1.98 | 0.95 | 0.99 |
19. | Ratio of burden to interest income | 12.58 | 22.19 | 18.76 | 20.35 | 17.06 | 20.55 | 8.42 | 9.30 |
20. | Ratio of operating profits to total assets | 1.38 | 0.39 | 0.11 | 0.25 | 1.50 | 1.06 | 2.34 | 2.07 |
21. | Return on assets | 0.38 | 0.00 | 0.00 | 0.00 | 0.15 | 0.38 | 1.10 | 0.80 |
22. | Return on equity | 8.26 | -33.11 | -14.74 | -9.47 | 13.79 | 13.78 | 20.95 | 13.63 |
23. | Cost of deposits | 8.32 | 8.18 | 8.04 | 7.51 | 9.94 | 7.17 | 8.83 | 8.28 |
24. | Cost of borrowings | 4.29 | 4.94 | 11.77 | 26.12 | 6.44 | 7.66 | 4.73 | 3.13 |
25. | Cost of funds | 8.11 | 8.05 | 8.11 | 7.71 | 9.88 | 7.18 | 8.77 | 8.20 |
26. | Return on advances | 12.32 | 11.88 | 11.84 | 11.59 | 14.99 | 10.95 | 11.87 | 11.79 |
27. | Return on investments | 11.39 | 11.89 | 11.41 | 11.24 | 15.73 | 11.33 | 14.09 | 12.08 |
28. | Return on advances adjusted to cost of funds | 4.21 | 3.83 | 3.74 | 3.88 | 5.10 | 3.77 | 3.10 | 3.59 |
29. | Return on investments adjusted to cost of funds | 3.28 | 3.84 | 3.30 | 3.53 | 5.85 | 4.15 | 5.32 | 3.88 |
30. | Business per employee (in Rs. lakh) | 145.00 | 207.00 | 110.00 | 136.00 | 116.87 | 141.40 | 218.20 | 263.20 |
31. | Profit per employee (in Rs. lakh) | 0.45 | 0.00 | 0.00 | 0.00 | 0.14 | 0.45 | 1.90 | 1.50 |
32. | Capital adequacy ratio | 11.63 | 7.73 | Neg. | Neg. | 9.15 | 10.24 | 12.72 | 12.17 |
33. | Capital adequacy ratio - Tier I | 7.07 | 4.38 | Neg. | Neg. | 5.16 | 5.81 | 12.54 | 11.81 |
34. | Capital adequacy ratio - Tier II | 4.56 | 3.35 | 0.00 | 0.00 | 3.99 | 4.43 | 0.18 | 0.36 |
35. | Ratio of net NPA to net advances | 13.47 | 18.37 | 6.80 | 10.06 | 7.65 | 7.01 | 3.80 | 3.60 |
(per cent) | |||||||||
As on March 31 | |||||||||
Ratios | Punjab & Sind | Punjab National | Syndicate Bank | UCO Bank | |||||
Bank | Bank | ||||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(25) | (26) | (27) | (28) | (29) | (30) | (31) | (32) | ||
1. | Cash-deposit ratio | 11.08 | 8.41 | 11.54 | 9.56 | 11.80 | 7.80 | 8.09 | 9.49 |
2. | Credit-deposit ratio | 45.14 | 43.52 | 47.54 | 49.93 | 51.60 | 52.27 | 41.56 | 46.83 |
3. | Investment-deposit ratio | 45.56 | 46.19 | 46.54 | 44.77 | 41.56 | 42.04 | 54.11 | 50.35 |
4. | (Credit + investment)-deposit ratio | 90.70 | 89.71 | 94.08 | 94.70 | 93.16 | 94.31 | 95.67 | 97.18 |
5. | Ratio of deposits to total liabilities | 88.71 | 88.83 | 87.72 | 88.39 | 87.09 | 88.85 | 77.93 | 78.80 |
6. | Ratio of term deposits to total deposits | 68.79 | 69.01 | 55.12 | 55.74 | 65.54 | 62.84 | 59.92 | 60.99 |
7. | Ratio of priority sector advances to total advances | 40.30 | 40.68 | 36.87 | 38.73 | 25.66 | 29.05 | 28.74 | 27.25 |
8. | Ratio of term-loans to total advances | 42.65 | 40.84 | 35.37 | 35.22 | 64.29 | 54.83 | 36.46 | 36.07 |
9. | Ratio of secured advances to total advances | 93.77 | 93.46 | 97.33 | 95.94 | 63.14 | 75.65 | 78.22 | 75.40 |
10. | Ratio of investments in non-approved securities to total investments | 25.46 | 25.07 | 15.28 | 16.65 | 17.36 | 17.94 | 29.78 | 26.63 |
11. | Ratio of Interest income to total assets | 10.04 | 9.78 | 10.26 | 9.97 | 9.94 | 10.08 | 8.93 | 8.94 |
12. | Ratio of net interest margin to total assets | 2.48 | 2.66 | 3.22 | 3.47 | 3.36 | 3.95 | 2.49 | 2.60 |
13. | Ratio of non-interest income to total assets | 1.37 | 1.31 | 1.45 | 1.32 | 1.25 | 1.02 | 1.12 | 1.17 |
14. | Ratio of intermediation cost to total assets | 2.98 | 3.16 | 3.03 | 3.18 | 3.47 | 3.89 | 2.82 | 2.93 |
15. | Ratio of wage bills to intermediation cost | 72.10 | 76.29 | 77.68 | 77.96 | 78.62 | 81.82 | 81.04 | 82.83 |
16. | Ratio of wage bills to total expenses | 20.40 | 23.45 | 23.38 | 25.61 | 27.16 | 31.75 | 24.70 | 26.20 |
17. | Ratio of wage bills to total income | 18.84 | 21.73 | 20.12 | 21.97 | 24.39 | 28.68 | 22.74 | 24.02 |
18. | Ratio of burden to total assets | 1.61 | 1.85 | 1.59 | 1.86 | 2.22 | 2.87 | 1.70 | 1.76 |
19. | Ratio of burden to interest income | 16.03 | 18.88 | 15.45 | 18.64 | 22.35 | 28.50 | 19.00 | 19.71 |
20. | Ratio of operating profits to total assets | 0.87 | 0.81 | 1.63 | 1.61 | 1.14 | 1.07 | 0.80 | 0.84 |
21. | Return on assets | 0.52 | 0.10 | 0.75 | 0.73 | 0.89 | 0.91 | 0.18 | 0.14 |
22. | Return on equity | 15.45 | 3.12 | 19.42 | 18.76 | 24.69 | 20.73 | 1.39 | 1.25 |
23. | Cost of deposits | 8.11 | 7.58 | 7.63 | 6.97 | 7.23 | 6.75 | 7.80 | 7.74 |
24. | Cost of borrowings | 2.64 | 3.74 | 6.76 | 5.87 | 2.03 | 3.83 | 12.02 | 8.78 |
25. | Cost of funds | 7.99 | 7.50 | 7.62 | 6.95 | 7.20 | 6.73 | 7.90 | 7.77 |
26. | Return on advances | 11.86 | 11.80 | 12.08 | 11.16 | 12.31 | 12.47 | 11.02 | 10.75 |
27. | Return on investments | 11.98 | 11.33 | 11.89 | 11.61 | 11.85 | 11.09 | 11.54 | 11.24 |
28. | Return on advances adjusted to cost of funds | 3.87 | 4.30 | 4.46 | 4.21 | 5.10 | 5.74 | 3.12 | 2.98 |
29. | Return on investments adjusted to cost of funds | 4.00 | 3.83 | 4.26 | 4.66 | 4.65 | 4.36 | 3.63 | 3.48 |
30. | Business per employee (in Rs. lakh) | 124.96 | 168.08 | 106.48 | 141.95 | 111.36 | 133.68 | 89.00 | 97.00 |
31. | Profit per employee (in Rs. lakh) | 0.51 | 0.13 | 0.63 | 0.80 | 0.66 | 0.81 | 0.12 | 0.12 |
32. | Capital adequacy ratio | 11.57 | 11.42 | 10.31 | 10.24 | 11.45 | 11.72 | 9.15 | 9.05 |
33. | Capital adequacy ratio - Tier I | 7.51 | 6.87 | 6.73 | 6.84 | 7.21 | 7.88 | 6.59 | 5.36 |
34. | Capital adequacy ratio - Tier II | 4.06 | 4.55 | 3.58 | 3.40 | 4.24 | 3.84 | 2.56 | 3.69 |
35. | Ratio of net NPA to net advances | 9.39 | 12.27 | 8.52 | 6.69 | 3.17 | 4.05 | 8.75 | 6.35 |
(per cent) | |||||||
As on March 31 | |||||||
Ratios | Union Bank of | United Bank of India | Vijaya Bank | ||||
India | |||||||
2000 | 2001 | 2000 | 2001 | 2000 | 2001 | ||
(33) | (34) | (35) | (36) | (37) | (38) | ||
1. | Cash-deposit ratio | 10.01 | 7.86 | 12.06 | 8.10 | 10.67 | 6.74 |
2. | Credit-deposit ratio | 46.98 | 50.18 | 27.18 | 31.06 | 40.44 | 45.28 |
3. | Investment-deposit ratio | 36.90 | 39.19 | 60.50 | 61.47 | 43.90 | 46.47 |
4. | (Credit + investment)-deposit ratio | 83.88 | 89.36 | 87.68 | 92.53 | 84.33 | 91.75 |
5. | Ratio of deposits to total liabilities | 88.91 | 89.51 | 86.06 | 86.01 | 90.63 | 88.61 |
6. | Ratio of term deposits to total deposits | 60.59 | 58.47 | 63.55 | 63.17 | 63.56 | 66.03 |
7. | Ratio of priority sector advances to total advances | 32.74 | 32.39 | 23.48 | 20.22 | 39.77 | 35.20 |
8. | Ratio of term-loans to total advances | 30.07 | 34.48 | 46.67 | 43.42 | 40.77 | 41.20 |
9. | Ratio of secured advances to total advances | 97.63 | 95.48 | 99.41 | 91.73 | 89.11 | 89.08 |
10. | Ratio of investments in non-approved securities to total investments | 20.52 | 26.11 | 22.85 | 23.53 | 30.38 | 26.71 |
11. | Ratio of Interest income to total assets | 11.32 | 10.09 | 9.24 | 9.42 | 10.03 | 10.03 |
12. | Ratio of net interest margin to total assets | 3.70 | 3.30 | 2.24 | 2.51 | 3.25 | 3.40 |
13. | Ratio of non-interest income to total assets | 1.32 | 0.84 | 0.76 | 0.80 | 0.98 | 1.16 |
14. | Ratio of intermediation cost to total assets | 3.75 | 2.76 | 2.54 | 2.64 | 3.18 | 3.24 |
15. | Ratio of wage bills to intermediation cost | 79.76 | 74.18 | 83.00 | 82.63 | 71.84 | 75.42 |
16. | Ratio of wage bills to total expenses | 26.33 | 21.40 | 22.06 | 22.85 | 22.93 | 24.77 |
17. | Ratio of wage bills to total income | 23.67 | 18.70 | 21.05 | 21.36 | 20.74 | 21.85 |
18. | Ratio of burden to total assets | 2.43 | 1.91 | 1.78 | 1.84 | 2.20 | 2.08 |
19. | Ratio of burden to interest income | 21.47 | 18.96 | 19.22 | 19.52 | 21.94 | 20.78 |
20. | Ratio of operating profits to total assets | 1.27 | 1.38 | 0.46 | 0.67 | 1.05 | 1.32 |
21. | Return on assets | 0.29 | 0.40 | 0.17 | 0.10 | 0.38 | 0.53 |
22. | Return on equity | 8.79 | 8.65 | 1.59 | 0.97 | 9.18 | 13.52 |
23. | Cost of deposits | 8.28 | 7.36 | 8.11 | 7.95 | 7.31 | 7.10 |
24. | Cost of borrowings | 6.91 | 6.60 | 7.25 | 4.52 | 3.68 | 3.91 |
25. | Cost of funds | 8.27 | 7.35 | 8.10 | 7.93 | 7.28 | 7.07 |
26. | Return on advances | 13.76 | 12.17 | 11.38 | 11.37 | 13.18 | 12.52 |
27. | Return on investments | 15.74 | 12.12 | 12.19 | 12.11 | 12.28 | 11.79 |
28. | Return on advances adjusted to cost of funds | 5.48 | 4.83 | 3.28 | 3.44 | 5.90 | 5.45 |
29. | Return on investments adjusted to cost of funds | 7.46 | 4.77 | 4.09 | 4.18 | 5.01 | 4.72 |
30. | Business per employee (in Rs. lakh) | 135.44 | 183.23 | 100.28 | 120.00 | 105.49 | 122.83 |
31. | Profit per employee (in Rs. lakh) | 0.33 | 0.55 | 0.15 | 0.10 | 0.36 | 0.53 |
32. | Capital adequacy ratio | 11.42 | 10.86 | 9.60 | 10.40 | 10.61 | 11.50 |
33. | Capital adequacy ratio - Tier I | 6.66 | 6.19 | 8.20 | 7.00 | 6.01 | 8.04 |
34. | Capital adequacy ratio - Tier II | 4.76 | 4.67 | 1.40 | 3.40 | 4.60 | 3.46 |
35. | Ratio of net NPA to net advances | 7.97 | 6.87 | 12.70 | 10.50 | 6.65 | 6.23 |
Source: Compiled form annual accounts of banks of respective years. |