Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 2 of 4) - ఆర్బిఐ - Reserve Bank of India
Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 2 of 4)
FOREIGN BANKS |
|||||||||
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
ABN Amro |
Abu-Dhabi |
American |
Arab Bangladesh |
|||||
Bank |
Commercial Bank |
Express Bank |
Bank |
||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
||
|
|||||||||
1. |
Cash-deposit ratio |
9.87 |
5.40 |
3.26 |
2.96 |
7.75 |
13.14 |
3.60 |
2.86 |
2. |
Credit-deposit ratio |
113.83 |
91.89 |
40.07 |
15.70 |
62.89 |
96.03 |
24.77 |
27.24 |
3. |
Investment-deposit ratio |
79.38 |
61.97 |
41.27 |
75.16 |
86.49 |
93.10 |
22.95 |
22.59 |
4. |
(Credit + investment)-deposit ratio |
193.21 |
153.86 |
81.34 |
90.85 |
149.37 |
189.13 |
47.71 |
49.83 |
5. |
Ratio of deposits to total liabilities |
45.54 |
54.67 |
87.67 |
89.83 |
52.04 |
37.63 |
40.61 |
45.80 |
6. |
Ratio of term deposits to total deposits |
59.09 |
64.19 |
83.14 |
94.91 |
61.28 |
57.81 |
37.18 |
25.55 |
7. |
Ratio of priority sector advances to total advances |
34.85 |
28.04 |
16.27 |
18.44 |
34.05 |
26.10 |
16.07 |
51.64 |
8. |
Ratio of term-loans to total advances |
36.58 |
31.32 |
20.99 |
11.16 |
22.93 |
30.93 |
0.00 |
0.00 |
9. |
Ratio of secured advances to total advances |
88.78 |
82.73 |
82.73 |
89.32 |
42.82 |
56.98 |
100.00 |
97.80 |
10. |
Ratio of investments in non-approved securities to total investments |
49.53 |
35.14 |
35.91 |
66.00 |
44.17 |
39.89 |
14.28 |
14.70 |
11. |
Ratio of Interest income to total assets |
10.53 |
10.74 |
10.98 |
9.65 |
10.10 |
9.60 |
7.88 |
7.97 |
12. |
Ratio of net interest margin to total assets |
4.21 |
4.16 |
2.09 |
1.45 |
3.55 |
2.99 |
6.35 |
6.79 |
13. |
Ratio of non-interest income to total assets |
2.18 |
2.27 |
1.51 |
1.20 |
4.74 |
6.61 |
2.54 |
2.94 |
14. |
Ratio of intermediation cost to total assets |
2.40 |
2.72 |
1.10 |
0.65 |
5.80 |
7.53 |
2.26 |
2.46 |
15. |
Ratio of wage bills to intermediation cost |
24.99 |
27.76 |
38.61 |
41.32 |
41.34 |
26.18 |
37.14 |
31.93 |
16. |
Ratio of wage bills to total expenses |
6.87 |
8.12 |
4.26 |
3.05 |
19.42 |
13.94 |
22.18 |
21.55 |
17. |
Ratio of wage bills to total income |
4.72 |
5.81 |
3.41 |
2.49 |
16.16 |
12.17 |
8.06 |
7.18 |
18. |
Ratio of burden to total assets |
0.22 |
0.45 |
-0.41 |
-0.55 |
1.06 |
0.93 |
-0.28 |
-0.49 |
19. |
Ratio of burden to interest income |
2.08 |
4.23 |
-3.71 |
-5.66 |
10.50 |
9.64 |
-3.54 |
-6.12 |
20. |
Ratio of operating profits to total assets |
3.99 |
3.70 |
2.50 |
1.99 |
2.49 |
2.07 |
6.63 |
7.28 |
21. |
Return on assets |
1.58 |
0.40 |
0.52 |
0.44 |
1.02 |
-0.62 |
3.05 |
3.68 |
22. |
Return on equity |
25.81 |
18.04 |
11.84 |
19.81 |
10.97 |
-9.14 |
5.20 |
6.70 |
23. |
Cost of deposits |
5.20 |
4.38 |
9.13 |
7.92 |
6.53 |
6.83 |
3.92 |
2.70 |
24. |
Cost of borrowings |
7.00 |
8.38 |
3.56 |
8.22 |
4.87 |
5.74 |
1.14 |
1.20 |
25. |
Cost of funds |
6.05 |
6.07 |
8.59 |
7.93 |
5.89 |
6.30 |
3.82 |
2.65 |
26. |
Return on advances |
11.87 |
12.96 |
12.04 |
13.63 |
11.98 |
10.82 |
14.55 |
18.64 |
27. |
Return on investments |
11.68 |
11.57 |
15.76 |
10.03 |
11.53 |
10.91 |
10.83 |
10.21 |
28. |
Return on advance adjusted to cost of funds |
5.83 |
6.89 |
3.45 |
5.70 |
6.08 |
4.52 |
10.72 |
15.99 |
29. |
Return on investment adjusted to cost of funds |
5.63 |
5.50 |
7.17 |
2.10 |
5.63 |
4.61 |
7.01 |
7.56 |
30. |
Business per employee (in Rs. lakh) |
857.06 |
868.15 |
1033.87 |
2454.49 |
290.24 |
252.92 |
151.18 |
218.13 |
31. |
Profit per employee (in Rs. lakh) |
13.91 |
3.80 |
4.39 |
10.36 |
3.17 |
2.11 |
9.42 |
14.92 |
32. |
Capital adequacy ratio |
10.09 |
11.42 |
10.61 |
10.05 |
10.09 |
9.59 |
123.00 |
96.34 |
33. |
Capital adequacy ratio - Tier I |
8.23 |
9.51 |
9.36 |
8.80 |
9.91 |
9.36 |
123.00 |
96.34 |
34. |
Capital adequacy ratio - Tier II |
1.86 |
1.91 |
1.25 |
1.25 |
0.18 |
0.23 |
0.00 |
0.00 |
35. |
Ratio of net NPA to net advances |
0.30 |
1.22 |
2.10 |
1.92 |
4.32 |
6.20 |
6.07 |
4.24 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Bank International |
Bank Muscat |
Bank of |
Bank of Bahrain |
|||||
Indonesia |
International |
America |
& Kuwait |
||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
||
|
|||||||||
1. |
Cash-deposit ratio |
11.33 |
8.87 |
3.57 |
3.51 |
6.21 |
8.88 |
6.65 |
4.66 |
2. |
Credit-deposit ratio |
95.69 |
81.44 |
21.52 |
61.70 |
145.61 |
151.33 |
69.68 |
79.63 |
3. |
Investment-deposit ratio |
185.98 |
132.71 |
18.05 |
52.13 |
51.81 |
55.60 |
43.67 |
40.36 |
4. |
(Credit + investment)-deposit ratio |
281.67 |
214.15 |
39.57 |
113.82 |
197.43 |
206.93 |
113.34 |
119.99 |
5. |
Ratio of deposits to total liabilities |
16.32 |
15.53 |
68.64 |
68.81 |
44.23 |
41.96 |
65.58 |
63.67 |
6. |
Ratio of term deposits to total deposits |
82.34 |
67.10 |
92.53 |
94.91 |
78.14 |
72.85 |
88.53 |
90.96 |
7. |
Ratio of priority sector advances to total advances |
0.00 |
40.74 |
27.49 |
18.08 |
10.41 |
14.50 |
28.67 |
18.67 |
8. |
Ratio of term-loans to total advances |
15.74 |
13.05 |
63.58 |
69.73 |
24.43 |
20.53 |
40.52 |
55.24 |
9. |
Ratio of secured advances to total advances |
93.75 |
100.00 |
99.91 |
100.00 |
32.39 |
31.52 |
69.44 |
67.34 |
10. |
Ratio of investments in non-approved securities to total investments |
28.71 |
13.52 |
30.04 |
6.19 |
16.90 |
0.00 |
27.98 |
15.60 |
11. |
Ratio of Interest income to total assets |
9.00 |
4.54 |
8.44 |
11.19 |
10.31 |
10.18 |
11.00 |
10.36 |
12. |
Ratio of net interest margin to total assets |
2.53 |
2.47 |
3.05 |
3.30 |
4.07 |
3.24 |
1.68 |
1.71 |
13. |
Ratio of non-interest income to total assets |
2.28 |
1.58 |
1.85 |
1.82 |
3.19 |
1.67 |
2.10 |
1.66 |
14. |
Ratio of intermediation cost to total assets |
13.70 |
10.12 |
4.00 |
3.76 |
2.86 |
1.58 |
1.89 |
1.82 |
15. |
Ratio of wage bills to intermediation cost |
6.82 |
5.78 |
32.04 |
31.43 |
50.84 |
38.32 |
36.19 |
36.18 |
16. |
Ratio of wage bills to total expenses |
4.63 |
4.80 |
13.66 |
10.13 |
15.98 |
7.12 |
6.11 |
6.28 |
17. |
Ratio of wage bills to total income |
8.28 |
9.56 |
12.46 |
9.07 |
10.77 |
5.12 |
5.23 |
5.46 |
18. |
Ratio of burden to total assets |
11.42 |
8.54 |
2.15 |
1.94 |
-0.33 |
-0.08 |
-0.21 |
0.16 |
19. |
Ratio of burden to interest income |
126.86 |
187.98 |
25.50 |
17.31 |
-3.20 |
-0.82 |
-1.90 |
1.50 |
20. |
Ratio of operating profits to total assets |
-8.89 |
-6.07 |
0.90 |
1.36 |
4.40 |
3.32 |
1.89 |
1.56 |
21. |
Return on assets |
-8.10 |
-2.96 |
1.07 |
2.34 |
1.17 |
1.25 |
0.90 |
0.81 |
22. |
Return on equity |
-15.00 |
-3.95 |
1.83 |
4.73 |
23.05 |
10.66 |
11.01 |
9.66 |
23. |
Cost of deposits |
8.80 |
9.53 |
8.14 |
4.57 |
8.42 |
9.94 |
11.26 |
10.11 |
24. |
Cost of borrowings |
15.91 |
3.32 |
12.44 |
81.36 |
6.29 |
6.74 |
10.92 |
8.65 |
25. |
Cost of funds |
12.91 |
6.43 |
8.52 |
10.59 |
7.48 |
8.41 |
11.19 |
9.77 |
26. |
Return on advances |
14.71 |
11.85 |
14.40 |
12.66 |
12.47 |
11.25 |
12.78 |
12.22 |
27. |
Return on investments |
12.25 |
9.89 |
11.50 |
14.79 |
10.64 |
10.27 |
12.44 |
12.77 |
28. |
Return on advances adjusted to cost of funds |
1.80 |
5.42 |
5.88 |
2.07 |
5.00 |
2.84 |
1.59 |
2.45 |
29. |
Return on investments adjusted to cost of funds |
-0.66 |
3.46 |
2.98 |
4.20 |
3.16 |
1.86 |
1.25 |
3.00 |
30. |
Business per employee (in Rs. lakh) |
490.33 |
306.40 |
278.57 |
367.11 |
1312.05 |
1978.32 |
689.90 |
808.00 |
31. |
Profit per employee (in Rs. lakh) |
-44.00 |
-15.61 |
3.77 |
6.63 |
20.22 |
23.42 |
5.58 |
5.70 |
32. |
Capital adequacy ratio |
59.92 |
103.78 |
70.06 |
34.55 |
12.93 |
13.03 |
12.14 |
11.83 |
33. |
Capital adequacy ratio - Tier I |
59.92 |
103.78 |
70.06 |
34.55 |
12.44 |
12.51 |
12.14 |
11.64 |
34. |
Capital adequacy ratio - Tier II |
0.00 |
0.00 |
0.00 |
0.00 |
0.49 |
0.52 |
0.00 |
0.19 |
35. |
Ratio of net NPA to net advances |
48.78 |
50.75 |
2.38 |
0.81 |
1.92 |
0.68 |
7.72 |
11.51 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Bank of Ceylon |
Bank of |
Bank of Tokyo- |
BNP Paribas |
|||||
Nova Scotia |
Mitsubishi |
||||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
||
|
|||||||||
1. |
Cash-deposit ratio |
4.71 |
6.10 |
6.29 |
3.65 |
10.14 |
9.06 |
9.09 |
7.86 |
2. |
Credit-deposit ratio |
175.50 |
129.22 |
128.45 |
104.86 |
62.27 |
80.49 |
63.68 |
62.26 |
3. |
Investment-deposit ratio |
29.86 |
27.32 |
30.35 |
43.49 |
35.02 |
31.15 |
99.92 |
60.98 |
4. |
(Credit + investment)-deposit ratio |
205.36 |
156.54 |
158.80 |
148.36 |
97.30 |
111.64 |
163.60 |
123.24 |
5. |
Ratio of deposits to total liabilities |
31.98 |
45.29 |
53.22 |
62.35 |
71.68 |
67.18 |
46.45 |
63.40 |
6. |
Ratio of term deposits to total deposits |
74.93 |
77.68 |
90.41 |
94.41 |
55.14 |
56.80 |
66.49 |
76.27 |
7. |
Ratio of priority sector advances to total advances |
41.30 |
45.20 |
38.68 |
25.17 |
3.59 |
1.61 |
33.12 |
30.26 |
8. |
Ratio of term-loans to total advances |
4.85 |
8.61 |
53.77 |
66.98 |
34.73 |
21.30 |
32.01 |
43.94 |
9. |
Ratio of secured advances to total advances |
89.39 |
93.54 |
85.29 |
92.35 |
81.74 |
64.32 |
53.41 |
64.67 |
10. |
Ratio of investments in non-approved securities to total investments |
0.00 |
0.00 |
9.13 |
21.93 |
0.76 |
2.68 |
46.80 |
40.15 |
11. |
Ratio of Interest income to total assets |
9.87 |
8.18 |
9.29 |
11.15 |
10.80 |
10.94 |
9.92 |
10.55 |
12. |
Ratio of net interest margin to total assets |
5.72 |
3.75 |
2.99 |
2.81 |
5.24 |
6.47 |
2.79 |
2.83 |
13. |
Ratio of non-interest income to total assets |
3.33 |
2.60 |
2.23 |
1.19 |
4.59 |
7.73 |
1.96 |
1.69 |
14. |
Ratio of intermediation cost to total assets |
1.76 |
1.58 |
1.64 |
1.22 |
12.26 |
4.63 |
2.40 |
3.05 |
15. |
Ratio of wage bills to intermediation cost |
23.41 |
24.81 |
30.75 |
32.05 |
11.70 |
45.60 |
45.61 |
46.22 |
16. |
Ratio of wage bills to total expenses |
6.98 |
6.51 |
6.35 |
4.09 |
8.05 |
23.20 |
11.50 |
13.09 |
17. |
Ratio of wage bills to total income |
3.13 |
3.63 |
4.38 |
3.17 |
9.32 |
11.31 |
9.23 |
11.52 |
18. |
Ratio of burden to total assets |
-1.57 |
-1.02 |
-0.59 |
0.03 |
7.67 |
-3.10 |
0.45 |
1.36 |
19. |
Ratio of burden to interest income |
-15.89 |
-12.43 |
-6.33 |
0.27 |
70.96 |
-28.34 |
4.50 |
12.89 |
20. |
Ratio of operating profits to total assets |
7.28 |
4.76 |
3.58 |
2.78 |
-2.43 |
9.57 |
2.34 |
1.47 |
21. |
Return on assets |
2.62 |
0.95 |
1.91 |
1.28 |
4.88 |
7.57 |
0.94 |
0.33 |
22. |
Return on equity |
8.83 |
2.86 |
15.67 |
15.34 |
32.88 |
43.54 |
11.13 |
4.44 |
23. |
Cost of deposits |
8.03 |
9.09 |
7.35 |
9.50 |
6.59 |
5.76 |
8.97 |
8.27 |
24. |
Cost of borrowings |
8.60 |
7.35 |
6.78 |
9.46 |
14.31 |
11.32 |
7.19 |
9.28 |
25. |
Cost of funds |
8.23 |
8.65 |
7.16 |
9.49 |
6.80 |
6.07 |
8.11 |
8.62 |
26. |
Return on advances |
12.78 |
10.18 |
10.28 |
12.35 |
15.47 |
12.97 |
14.13 |
16.02 |
27. |
Return on investments |
11.59 |
8.99 |
10.28 |
11.53 |
11.39 |
11.23 |
11.37 |
10.32 |
28. |
Return on advances adjusted to cost of funds |
4.56 |
1.53 |
3.12 |
2.86 |
8.67 |
6.90 |
6.02 |
7.39 |
29. |
Return on investments adjusted to cost of funds |
3.36 |
0.34 |
3.12 |
2.05 |
4.59 |
5.16 |
3.27 |
1.70 |
30. |
Business per employee (in Rs. lakh) |
560.00 |
757.00 |
833.77 |
1300.40 |
381.66 |
354.55 |
555.25 |
553.45 |
31. |
Profit per employee (in Rs. lakh) |
16.00 |
6.00 |
14.43 |
15.70 |
13.62 |
23.51 |
6.25 |
1.96 |
32. |
Capital adequacy ratio |
29.07 |
36.49 |
9.67 |
9.97 |
17.62 |
15.51 |
9.55 |
9.92 |
33. |
Capital adequacy ratio - Tier I |
29.07 |
36.46 |
9.59 |
9.71 |
17.62 |
15.51 |
6.25 |
6.59 |
34. |
Capital adequacy ratio - Tier II |
0.03 |
0.03 |
0.08 |
0.26 |
0.00 |
0.00 |
3.30 |
3.33 |
35. |
Ratio of net NPA to net advances |
22.14 |
28.74 |
1.15 |
2.04 |
2.46 |
0.01 |
0.00 |
0.00 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Barclays Bank |
Chase Manhattan |
Chinatrust |
Cho Hung |
|||||
Bank |
Commercial Bank |
Bank |
|||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
||
|
|||||||||
1. |
Cash-deposit ratio |
5.21 |
5.12 |
73.50 |
15.13 |
9.15 |
9.65 |
7.47 |
6.42 |
2. |
Credit-deposit ratio |
23.01 |
6.50 |
267.45 |
20.98 |
108.33 |
168.47 |
37.45 |
91.63 |
3. |
Investment-deposit ratio |
96.66 |
147.66 |
6536.28 |
282.72 |
102.80 |
102.28 |
46.26 |
53.01 |
4. |
(Credit + investment)-deposit ratio |
119.67 |
154.16 |
6803.72 |
303.70 |
211.13 |
270.75 |
83.70 |
144.64 |
5. |
Ratio of deposits to total liabilities |
64.34 |
38.41 |
1.29 |
25.86 |
41.82 |
33.62 |
61.45 |
45.16 |
6. |
Ratio of term deposits to total deposits |
92.36 |
94.34 |
0.00 |
87.22 |
89.40 |
84.44 |
21.22 |
52.99 |
7. |
Ratio of priority sector advances to total advances |
26.54 |
18.06 |
0.00 |
0.00 |
30.95 |
27.29 |
0.00 |
0.00 |
8. |
Ratio of term-loans to total advances |
66.76 |
27.42 |
0.00 |
16.47 |
80.56 |
82.41 |
10.67 |
36.34 |
9. |
Ratio of secured advances to total advances |
89.53 |
96.76 |
100.00 |
100.00 |
91.41 |
94.13 |
89.31 |
99.45 |
10. |
Ratio of investments in non-approved securities to total investments |
24.99 |
30.01 |
0.00 |
0.00 |
41.90 |
41.86 |
40.03 |
31.46 |
11. |
Ratio of Interest income to total assets |
9.68 |
8.41 |
7.72 |
7.94 |
12.20 |
10.23 |
8.98 |
9.28 |
12. |
Ratio of net interest margin to total assets |
2.04 |
1.77 |
1.15 |
2.68 |
3.86 |
4.04 |
8.03 |
7.73 |
13. |
Ratio of non-interest income to total assets |
0.66 |
1.35 |
15.72 |
12.37 |
0.46 |
0.58 |
1.83 |
2.32 |
14. |
Ratio of intermediation cost to total assets |
3.18 |
3.22 |
8.36 |
5.15 |
3.23 |
2.67 |
2.48 |
2.16 |
15. |
Ratio of wage bills to intermediation cost |
40.30 |
46.39 |
26.48 |
33.60 |
32.76 |
30.39 |
29.27 |
29.65 |
16. |
Ratio of wage bills to total expenses |
11.84 |
15.17 |
14.83 |
16.62 |
9.15 |
9.15 |
21.18 |
17.26 |
17. |
Ratio of wage bills to total income |
12.39 |
15.32 |
9.45 |
8.51 |
8.36 |
7.50 |
6.72 |
5.53 |
18. |
Ratio of burden to total assets |
2.52 |
1.87 |
-7.36 |
-7.23 |
2.77 |
2.09 |
0.65 |
-0.15 |
19. |
Ratio of burden to interest income |
26.04 |
22.25 |
-95.36 |
-90.95 |
22.70 |
20.43 |
7.25 |
-1.64 |
20. |
Ratio of operating profits to total assets |
-0.48 |
-0.10 |
8.51 |
9.91 |
1.09 |
1.95 |
7.38 |
7.88 |
21. |
Return on assets |
-2.23 |
1.65 |
2.87 |
6.66 |
0.25 |
0.64 |
0.51 |
3.16 |
22. |
Return on equity |
-14.48 |
12.77 |
20.55 |
26.25 |
1.20 |
2.71 |
1.87 |
10.37 |
23. |
Cost of deposits |
9.58 |
8.50 |
36.75 |
4.05 |
10.73 |
7.23 |
1.45 |
2.88 |
24. |
Cost of borrowings |
7.70 |
6.64 |
6.87 |
5.87 |
11.23 |
7.84 |
.. |
.. |
25. |
Cost of funds |
8.79 |
7.72 |
7.76 |
5.57 |
10.99 |
7.53 |
1.48 |
2.88 |
26. |
Return on advances |
9.79 |
8.11 |
16.63 |
15.76 |
15.44 |
11.43 |
15.31 |
12.90 |
27. |
Return on investments |
10.51 |
9.92 |
7.39 |
8.89 |
12.29 |
11.31 |
13.11 |
10.56 |
28. |
Return on advances adjusted to cost of funds |
1.00 |
0.39 |
8.87 |
10.18 |
4.45 |
3.90 |
13.83 |
10.02 |
29. |
Return on investments adjusted to cost of funds |
1.72 |
2.21 |
-0.37 |
3.32 |
1.29 |
3.78 |
11.63 |
7.68 |
30. |
Business per employee (in Rs. lakh) |
412.10 |
366.53 |
65.49 |
93.91 |
661.78 |
689.79 |
710.48 |
766.01 |
31. |
Profit per employee (in Rs. lakh) |
-16.27 |
14.28 |
1.70 |
30.06 |
1.92 |
4.87 |
49.33 |
27.84 |
32. |
Capital adequacy ratio |
17.75 |
26.97 |
45.86 |
43.79 |
25.56 |
28.27 |
38.00 |
35.00 |
33. |
Capital adequacy ratio - Tier I |
17.63 |
26.75 |
45.86 |
43.77 |
25.45 |
27.50 |
38.00 |
35.00 |
34. |
Capital adequacy ratio - Tier II |
0.12 |
0.22 |
0.00 |
0.02 |
0.11 |
0.77 |
0.00 |
0.00 |
35. |
Ratio of net NPA to net advances |
0.00 |
0.00 |
0.00 |
0.00 |
4.61 |
3.76 |
1.48 |
0.91 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Citibank |
Commerz Bank |
Credit Agricole |
Credit Lyonnais |
|||||
Indosuez |
|||||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
||
|
|||||||||
1. |
Cash-deposit ratio |
7.32 |
6.55 |
13.22 |
2.41 |
14.02 |
4.33 |
4.42 |
2.43 |
2. |
Credit-deposit ratio |
64.88 |
65.99 |
96.48 |
26.40 |
77.67 |
74.32 |
47.29 |
63.69 |
3. |
Investment-deposit ratio |
41.46 |
39.88 |
156.86 |
76.94 |
111.67 |
65.67 |
54.98 |
44.16 |
4. |
(Credit + investment)-deposit ratio |
106.34 |
105.87 |
253.34 |
103.34 |
189.34 |
139.99 |
102.27 |
107.85 |
5. |
Ratio of deposits to total liabilities |
71.99 |
72.19 |
29.70 |
72.10 |
33.48 |
51.44 |
83.56 |
79.39 |
6. |
Ratio of term deposits to total deposits |
71.25 |
73.64 |
84.83 |
92.11 |
78.33 |
85.91 |
93.76 |
93.78 |
7. |
Ratio of priority sector advances to total advances |
18.73 |
20.77 |
35.56 |
29.71 |
32.41 |
27.00 |
9.00 |
15.65 |
8. |
Ratio of term-loans to total advances |
64.98 |
66.37 |
53.80 |
49.89 |
64.62 |
82.61 |
14.64 |
17.80 |
9. |
Ratio of secured advances to total advances |
45.64 |
47.40 |
58.68 |
66.26 |
87.04 |
56.84 |
54.80 |
46.17 |
10. |
Ratio of investments in non-approved securities to total investments |
21.87 |
17.83 |
57.15 |
60.98 |
20.17 |
34.49 |
27.80 |
37.47 |
11. |
Ratio of Interest income to total assets |
11.01 |
10.41 |
11.21 |
9.99 |
10.29 |
8.96 |
14.00 |
13.88 |
12. |
Ratio of net interest margin to total assets |
4.75 |
4.59 |
2.97 |
2.21 |
2.51 |
1.86 |
3.73 |
3.49 |
13. |
Ratio of non-interest income to total assets |
2.87 |
3.10 |
1.63 |
1.46 |
0.63 |
1.05 |
2.81 |
2.40 |
14. |
Ratio of intermediation cost to total assets |
3.70 |
3.57 |
3.92 |
2.69 |
3.27 |
2.90 |
2.19 |
1.95 |
15. |
Ratio of wage bills to intermediation cost |
21.19 |
23.16 |
42.66 |
44.01 |
41.50 |
52.01 |
45.24 |
50.50 |
16. |
Ratio of wage bills to total expenses |
7.88 |
8.81 |
13.76 |
11.31 |
12.29 |
15.07 |
7.95 |
7.99 |
17. |
Ratio of wage bills to total income |
5.65 |
6.13 |
13.04 |
10.34 |
12.42 |
15.04 |
5.90 |
6.06 |
18. |
Ratio of burden to total assets |
0.83 |
0.47 |
2.30 |
1.23 |
2.64 |
1.84 |
-0.62 |
-0.45 |
19. |
Ratio of burden to interest income |
7.55 |
4.52 |
20.50 |
12.30 |
25.61 |
20.58 |
-4.40 |
-3.21 |
20. |
Ratio of operating profits to total assets |
3.92 |
4.12 |
0.67 |
0.98 |
-0.12 |
0.02 |
4.34 |
3.94 |
21. |
Return on assets |
3.40 |
3.24 |
0.44 |
0.18 |
-9.83 |
-1.62 |
1.60 |
0.20 |
22. |
Return on equity |
26.87 |
24.74 |
2.87 |
1.36 |
-96.05 |
-22.13 |
21.21 |
2.34 |
23. |
Cost of deposits |
7.17 |
6.35 |
7.87 |
7.32 |
9.22 |
5.35 |
9.70 |
10.70 |
24. |
Cost of borrowings |
6.11 |
6.17 |
9.51 |
10.66 |
8.55 |
11.01 |
89.34 |
40.26 |
25. |
Cost of funds |
7.03 |
6.32 |
8.67 |
8.44 |
8.78 |
8.10 |
11.20 |
11.79 |
26. |
Return on advances |
15.68 |
14.14 |
14.23 |
13.45 |
14.45 |
10.10 |
22.63 |
16.98 |
27. |
Return on investments |
12.34 |
10.18 |
13.24 |
11.66 |
13.15 |
11.29 |
9.50 |
13.61 |
28. |
Return on advances adjusted to cost of funds |
8.65 |
7.82 |
5.56 |
5.01 |
5.68 |
2.00 |
11.42 |
5.20 |
29. |
Return on investments adjusted to cost of funds |
5.31 |
3.86 |
4.58 |
3.22 |
4.38 |
3.19 |
-1.71 |
1.83 |
30. |
Business per employee (in Rs. lakh) |
1160.64 |
1336.24 |
464.83 |
520.63 |
565.93 |
835.59 |
1228.12 |
1581.04 |
31. |
Profit per employee (in Rs. lakh) |
19.22 |
19.34 |
3.63 |
1.89 |
63.14 |
-20.05 |
15.81 |
2.36 |
32. |
Capital adequacy ratio |
10.58 |
11.24 |
17.58 |
15.05 |
11.82 |
11.60 |
9.70 |
10.60 |
33. |
Capital adequacy ratio - Tier I |
6.98 |
7.91 |
17.58 |
14.76 |
11.29 |
11.16 |
8.50 |
9.50 |
34. |
Capital adequacy ratio - Tier II |
3.60 |
3.33 |
0.00 |
0.29 |
0.53 |
0.44 |
1.20 |
1.10 |
35. |
Ratio of net NPA to net advances |
1.05 |
0.70 |
7.34 |
13.64 |
6.13 |
1.21 |
4.10 |
3.50 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Deutsche Bank |
Development |
Dresdner Bank |
Hongkong & |
|||||
Bank of Singapore |
Shanghai Bank |
||||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
||
|
|||||||||
1. |
Cash-deposit ratio |
15.27 |
6.70 |
10.63 |
12.91 |
8.84 |
13.32 |
5.77 |
5.62 |
2. |
Credit-deposit ratio |
81.30 |
90.31 |
349.98 |
223.19 |
137.01 |
244.53 |
49.14 |
62.77 |
3. |
Investment-deposit ratio |
96.86 |
104.64 |
183.06 |
126.83 |
97.95 |
139.79 |
56.18 |
58.21 |
4. |
(Credit + investment)-deposit ratio |
178.16 |
194.95 |
533.04 |
350.02 |
234.96 |
384.32 |
105.33 |
120.97 |
5. |
Ratio of deposits to total liabilities |
46.57 |
42.07 |
16.62 |
18.09 |
37.07 |
15.47 |
69.12 |
63.81 |
6. |
Ratio of term deposits to total deposits |
49.43 |
56.67 |
87.74 |
96.04 |
91.24 |
79.85 |
68.08 |
69.00 |
7. |
Ratio of priority sector advances to total advances |
47.09 |
31.05 |
15.21 |
16.38 |
34.90 |
24.31 |
18.04 |
20.06 |
8. |
Ratio of term-loans to total advances |
57.87 |
9.13 |
55.99 |
51.86 |
40.53 |
26.01 |
70.31 |
61.40 |
9. |
Ratio of secured advances to total advances |
73.47 |
56.65 |
52.84 |
88.66 |
78.05 |
77.73 |
73.20 |
73.68 |
10. |
Ratio of investments in non-approved securities to total investments |
45.06 |
44.39 |
29.57 |
30.67 |
21.05 |
11.87 |
40.10 |
37.23 |
11. |
Ratio of Interest income to total assets |
10.35 |
10.60 |
9.95 |
10.44 |
10.83 |
13.67 |
9.08 |
9.34 |
12. |
Ratio of net interest margin to total assets |
5.12 |
5.57 |
3.97 |
3.34 |
5.45 |
4.93 |
3.18 |
3.34 |
13. |
Ratio of non-interest income to total assets |
4.17 |
4.87 |
1.65 |
1.94 |
1.33 |
-0.16 |
2.33 |
2.80 |
14. |
Ratio of intermediation cost to total assets |
3.98 |
4.23 |
2.03 |
1.85 |
5.08 |
8.56 |
2.73 |
2.94 |
15. |
Ratio of wage bills to intermediation cost |
31.75 |
30.50 |
35.35 |
35.74 |
28.39 |
34.46 |
33.88 |
35.74 |
16. |
Ratio of wage bills to total expenses |
13.71 |
13.94 |
8.95 |
7.39 |
13.78 |
17.05 |
10.71 |
11.74 |
17. |
Ratio of wage bills to total income |
8.70 |
8.34 |
6.18 |
5.34 |
11.86 |
21.83 |
8.10 |
8.65 |
18. |
Ratio of burden to total assets |
-0.19 |
-0.64 |
0.38 |
-0.09 |
3.75 |
8.72 |
0.39 |
0.14 |
19. |
Ratio of burden to interest income |
-1.81 |
-6.01 |
3.77 |
-0.85 |
34.63 |
63.80 |
4.34 |
1.47 |
20. |
Ratio of operating profits to total assets |
5.30 |
6.21 |
3.59 |
3.43 |
1.70 |
-3.79 |
2.79 |
3.20 |
21. |
Return on assets |
1.10 |
1.71 |
1.44 |
1.58 |
-11.37 |
-24.38 |
0.96 |
1.29 |
22. |
Return on equity |
9.89 |
16.00 |
7.94 |
11.18 |
-53.58 |
-74.04 |
15.02 |
20.83 |
23. |
Cost of deposits |
5.08 |
4.90 |
7.62 |
7.56 |
8.07 |
13.87 |
7.03 |
7.02 |
24. |
Cost of borrowings |
8.48 |
7.27 |
7.93 |
8.93 |
10.70 |
23.77 |
6.25 |
6.42 |
25. |
Cost of funds |
6.49 |
5.99 |
7.81 |
8.64 |
8.73 |
17.96 |
6.90 |
6.89 |
26. |
Return on advances |
11.19 |
11.36 |
13.50 |
12.37 |
11.54 |
18.17 |
11.24 |
11.42 |
27. |
Return on investments |
12.66 |
10.76 |
9.28 |
12.73 |
14.90 |
15.62 |
12.49 |
11.76 |
28. |
Return on advances adjusted to cost of funds |
4.70 |
5.36 |
5.69 |
3.73 |
2.81 |
0.22 |
4.35 |
4.54 |
29. |
Return on investments adjusted to cost of funds |
6.17 |
4.77 |
1.47 |
4.09 |
6.17 |
-2.33 |
5.60 |
4.87 |
30. |
Business per employee (in Rs. lakh) |
757.13 |
835.25 |
753.28 |
830.89 |
593.48 |
29.68 |
467.44 |
528.67 |
31. |
Profit per employee (in Rs. lakh) |
9.86 |
17.81 |
14.49 |
22.48 |
-76.36 |
-4.13 |
4.36 |
6.62 |
32. |
Capital adequacy ratio |
10.44 |
12.67 |
18.14 |
15.93 |
18.69 |
10.66 |
10.30 |
12.37 |
33. |
Capital adequacy ratio - Tier I |
10.44 |
12.51 |
18.13 |
15.56 |
18.69 |
10.66 |
5.68 |
8.63 |
34. |
Capital adequacy ratio - Tier II |
0.00 |
0.16 |
0.01 |
0.37 |
0.00 |
0.00 |
4.62 |
3.74 |
35. |
Ratio of net NPA to net advances |
0.00 |
0.00 |
0.00 |
0.00 |
13.50 |
29.45 |
1.04 |
0.99 |
|
Source: Compiled form annual accounts of banks of respective years. |