Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 1 of 4)

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ਪ੍ਰਕਾਸ਼ਿਤ ਤਾਰੀਖ ਦਸੰਬਰ 31, 2001

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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