RbiSearchHeader

Press escape key to go back

Past Searches

Theme
Theme
Text Size
Text Size
S2

RbiAnnouncementWeb

RBI Announcements
RBI Announcements

Asset Publisher

83776251

Table B12 : Selected ratios of Scheduled Commercial Banks - 2011 and 2012

STATE BANK OF INDIA & ITS ASSOCIATES

(In per cent)

Items

State Bank of
India

State Bank of
Bikaner and
Jaipur

State Bank of
Hyderabad

State Bank of Mysore

2011

2012

2011

2012

2011

2012

2011

2012

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1. Cash - Deposit Ratio

10.11

5.18

9.98

7.04

9.07

5.81

6.26

6.03

2. Credit - Deposit Ratio

81.03

83.13

76.52

79.98

73.02

78.04

78.73

79.37

3. Investment - Deposit Ratio

31.65

29.91

25.11

27.07

32.10

29.62

29.91

29.36

4. (Credit + Investment) - Deposit Ratio

112.68

113.04

101.62

107.05

105.12

107.66

108.63

108.73

5. Ratio of deposits to total liabilities

76.32

78.15

85.54

84.89

83.06

83.45

83.07

83.08

6. Ratio of demand & savings bank deposits to total deposits

49.42

44.81

38.51

37.35

30.17

27.87

34.22

32.21

7. Ratio of priority sector advances to total advances

30.61

28.84

36.55

35.35

36.17

34.53

34.52

28.26

8. Ratio of term loans to total advances

48.26

47.98

53.57

53.91

58.33

56.37

60.51

55.22

9. Ratio of secured advances to total advances

79.78

81.04

85.71

85.84

88.44

88.08

89.97

86.51

10. Ratio of investments in non-approved securities to total investments

21.80

18.05

2.69

2.91

18.68

7.61

11.55

11.95

11. Ratio of interest income to total assets

7.15

8.32

8.19

9.29

8.05

9.46

8.37

9.03

12. Ratio of net interest income to total assets (Net Interest Margin)

2.86

3.38

3.02

3.28

2.92

2.99

3.36

2.82

13. Ratio of non-interest income to total assets

1.39

1.12

1.09

0.88

1.01

0.91

0.93

0.92

14. Ratio of intermediation cost to total assets

2.02

2.04

2.17

1.96

1.55

1.54

1.88

1.85

15. Ratio of wage bills to intermediation cost

66.09

65.11

65.16

61.61

68.68

66.33

59.77

59.61

16. Ratio of wage bills to total expense

21.16

19.01

19.25

15.18

15.95

12.77

16.32

13.68

17. Ratio of wage bills to total income

15.65

14.04

15.21

11.90

11.76

9.86

12.09

11.09

18. Ratio of burden to total assets

0.63

0.92

1.08

1.08

0.54

0.63

0.95

0.93

19. Ratio of burden to interest income

8.83

11.00

13.12

11.63

6.74

6.68

11.33

10.33

20. Ratio of operating profits to total assets

2.23

2.47

1.95

2.20

2.38

2.36

2.41

1.88

21. Return on assets

0.71

0.88

0.96

0.99

1.22

1.15

1.03

0.67

22. Return on equity

12.62

15.72

20.91

18.59

24.35

21.98

15.77

9.62

23. Cost of deposits

4.98

5.63

5.70

6.65

5.73

7.28

5.41

6.90

24. Cost of borrowings

2.30

3.15

1.06

2.68

0.73

0.88

3.43

3.78

25. Cost of funds

4.67

5.35

5.44

6.46

5.43

6.92

5.29

6.66

26. Return on advances

8.64

9.98

9.88

11.23

10.01

11.54

10.07

11.00

27. Return on investments

6.71

7.88

7.31

7.72

7.01

7.85

7.08

7.23

28. Return on advances adjusted to cost of funds

3.97

4.63

4.44

4.77

4.58

4.62

4.78

4.34

29. Return on investments adjusted to cost of funds

2.03

2.53

1.87

1.27

1.58

0.93

1.79

0.57

30. Business per employee (in Rupees Million)

70.47

79.84

75.1

82.7

103.77

116.87

79.5

88.1

31. Profit per employee (in Rupees Million)

0.39

0.53

0.5

0.5

0.79

0.86

0.5

0.4

32. Capital adequacy ratio

11.98

13.86

11.68

13.76

14.25

13.56

13.76

12.55

33. Capital adequacy ratio - Tier I

7.77

9.79

7.92

9.76

9.12

9.62

9.78

9.18

34. Capital adequacy ratio - Tier II

4.21

4.07

3.76

4.00

5.13

3.94

3.98

3.37

35. Ratio of net NPA To net advances

1.63

1.82

0.83

1.92

0.87

1.30

1.38

1.93

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

STATE BANK OF INDIA & ITS ASSOCIATES

(In per cent)

Items

State Bank of Patiala

State Bank of Travancore

2011

2012

2011

2012

(9)

(10)

(11)

(12)

1. Cash - Deposit Ratio

5.89

8.95

8.10

6.68

2. Credit - Deposit Ratio

75.56

79.25

79.17

77.44

3. Investment - Deposit Ratio

25.38

27.76

30.82

31.39

4. (Credit + Investment) - Deposit Ratio

100.94

107.00

110.00

108.83

5. Ratio of deposits to total liabilities

83.74

80.63

81.94

83.15

6. Ratio of demand & savings bank deposits to total deposits

28.37

24.55

30.32

27.34

7. Ratio of priority sector advances to total advances

37.55

32.23

37.47

36.21

8. Ratio of term loans to total advances

56.98

51.80

54.10

47.90

9. Ratio of secured advances to total advances

97.29

95.15

81.53

83.62

10. Ratio of investments in non-approved securities to total investments

1.96

12.61

19.82

18.93

11. Ratio of interest income to total assets

8.23

9.03

8.02

8.70

12. Ratio of net interest income to total assets (Net Interest Margin)

2.97

2.61

2.60

2.33

13. Ratio of non-interest income to total assets

0.96

0.84

0.89

0.83

14. Ratio of intermediation cost to total assets

1.69

1.48

1.69

1.57

15. Ratio of wage bills to intermediation cost

66.25

62.26

63.60

64.06

16. Ratio of wage bills to total expense

16.09

11.67

15.11

12.65

17. Ratio of wage bills to total income

12.18

9.35

12.05

10.54

18. Ratio of burden to total assets

0.73

0.65

0.80

0.74

19. Ratio of burden to interest income

8.86

7.17

9.95

8.52

20. Ratio of operating profits to total assets

2.24

1.96

1.80

1.59

21. Return on assets

0.88

0.93

1.12

0.65

22. Return on equity

16.65

17.95

23.09

13.93

23. Cost of deposits

5.74

7.17

5.73

6.74

24. Cost of borrowings

0.83

0.64

1.37

1.01

25. Cost of funds

5.44

6.54

5.40

6.20

26. Return on advances

10.32

11.25

9.53

10.45

27. Return on investments

7.35

7.60

6.80

6.83

28. Return on advances adjusted to cost of funds

4.87

4.71

4.14

4.25

29. Return on investments adjusted to cost of funds

1.90

1.06

1.41

0.63

30. Business per employee (in Rupees Million)

95.63

105.57

88.8

106.6

31. Profit per employee (in Rupees Million)

0.52

0.59

0.8

0.42

32. Capital adequacy ratio

13.41

12.30

12.54

13.55

33. Capital adequacy ratio - Tier I

8.66

8.60

9.00

9.35

34. Capital adequacy ratio - Tier II

4.75

3.70

3.54

4.20

35. Ratio of net NPA To net advances

1.21

1.35

0.98

1.54

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

AB Bank

Abu Dhabi Commercial Bank

American Express Banking Corp.

Antwerp Diamond Bank

2011

2012

2011

2012

2011

2012

2011

2012

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1. Cash - Deposit Ratio

3.31

4.35

6.91

5.11

11.53

11.54

25.01

32.84

2. Credit - Deposit Ratio

129.98

149.92

31.91

46.39

207.56

294.05

1094.91

1156.39

3. Investment - Deposit Ratio

24.88

36.27

38.97

35.47

46.01

68.07

301.06

207.38

4. (Credit + Investment) - Deposit Ratio

154.86

186.19

70.89

81.87

253.57

362.12

1395.97

1363.77

5. Ratio of deposits to total liabilities

47.20

39.04

59.52

51.12

29.87

23.50

6.06

6.70

6. Ratio of demand & savings bank deposits to total deposits

87.62

78.42

39.76

24.32

-

-

76.33

59.96

7. Ratio of priority sector advances to total advances

33.36

40.40

41.44

21.14

-

-

99.59

97.69

8. Ratio of term loans to total advances

24.71

26.48

27.80

30.58

0.04

0.02

0.08

0.09

9. Ratio of secured advances to total advances

8.32

13.32

98.22

100.00

0.03

0.01

92.26

91.99

10. Ratio of investments in non-approved securities to total investments

24.25

19.12

29.54

16.23

-

-

-

-

11. Ratio of interest income to total assets

3.89

4.38

5.27

7.01

3.88

4.04

3.57

4.26

12. Ratio of net interest income to total assets (Net Interest Margin)

3.63

3.90

2.27

3.30

1.50

-0.12

2.66

2.33

13. Ratio of non-interest income to total assets

15.56

16.13

0.43

0.43

24.82

26.06

1.35

1.74

14. Ratio of intermediation cost to total assets

8.27

8.11

1.79

1.62

25.97

24.92

1.49

1.37

15. Ratio of wage bills to intermediation cost

12.20

13.16

57.39

54.75

24.50

22.29

59.35

56.20

16. Ratio of wage bills to total expense

11.82

12.43

21.47

16.63

22.45

19.09

36.78

23.33

17. Ratio of wage bills to total income

5.18

5.21

18.06

11.92

22.17

18.45

17.95

12.84

18. Ratio of burden to total assets

-7.29

-8.02

1.36

1.19

1.15

-1.14

0.14

-0.37

19. Ratio of burden to interest income

-187.44

-183.06

25.85

16.97

29.62

-28.27

3.87

-8.71

20. Ratio of operating profits to total assets

10.92

11.92

0.91

2.11

0.35

1.02

2.52

2.70

21. Return on assets

4.53

7.05

1.12

1.87

1.67

0.20

-1.72

1.20

22. Return on equity

9.43

12.96

6.09

7.28

4.72

0.64

-6.88

6.57

23. Cost of deposits

0.45

0.83

3.94

5.21

6.10

9.05

0.99

1.43

24. Cost of borrowings

-

-

2.76

3.97

4.49

9.34

0.64

1.04

25. Cost of funds

0.61

1.10

3.74

4.86

5.83

9.17

0.67

1.07

26. Return on advances

6.32

4.43

8.28

9.97

5.07

4.42

3.34

3.43

27. Return on investments

5.07

6.99

7.48

7.52

5.48

7.51

5.33

10.86

28. Return on advances adjusted to cost of funds

5.71

3.33

4.54

5.11

-0.76

-4.75

2.67

2.35

29. Return on investments adjusted to cost of funds

4.46

5.89

3.74

2.66

-0.35

-1.66

4.66

9.78

30. Business per employee (in Rupees Million)

32.66

44.26

160.77

163.51

16.77

30.12

259.23

387.45

31. Profit per employee (in Rupees Million)

1.71

3.02

1.91

3.40

0.27

0.06

-6.01

5.72

32. Capital adequacy ratio

30.57

34.36

45.25

80.88

23.61

19.30

33.73

25.60

33. Capital adequacy ratio - Tier I

29.94

33.60

44.26

80.00

23.26

18.70

22.54

17.47

34. Capital adequacy ratio - Tier II

0.63

0.76

0.99

0.88

0.35

0.60

11.19

8.13

35. Ratio of net NPA to net advances

-

-

2.89

-

1.50

1.19

3.04

1.96

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

Australia and New Zealand Banking Group

Bank Internasional Indonesia

Bank of America

Bank of Bahrain & Kuwait

2011

2012

2011

2012

2011

2012

2011

2012

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1. Cash - Deposit Ratio

-

8.07

-

-

8.63

7.04

8.79

6.11

2. Credit - Deposit Ratio

 

76.01

-

-

98.16

104.03

74.38

95.78

3. Investment - Deposit Ratio

 

26.05

-

-

81.43

137.90

45.30

50.52

4. (Credit + Investment) - Deposit Ratio

 

102.06

-

-

179.59

241.94

119.68

146.31

5. Ratio of deposits to total liabilities

 

55.49

-

-

48.96

36.87

69.02

56.53

6. Ratio of demand & savings bank deposits to total deposits

 

2.64

-

-

56.26

52.54

34.16

35.27

7. Ratio of priority sector advances to total advances

 

27.87

-

-

23.95

23.92

27.89

29.28

8. Ratio of term loans to total advances

 

98.17

-

-

-

-

31.66

36.24

9. Ratio of secured advances to total advances

 

16.55

-

-

15.48

9.40

85.64

76.09

10. Ratio of investments in non-approved securities to total investments

 

-

-

-

44.43

30.60

18.80

27.13

11. Ratio of interest income to total assets

 

3.02

2.20

3.42

5.65

7.85

7.20

7.85

12. Ratio of net interest income to total assets (Net Interest Margin)

 

1.72

2.20

3.42

4.11

4.86

3.92

4.87

13. Ratio of non-interest income to total assets

 

2.25

0.09

-

4.53

3.58

1.33

1.10

14. Ratio of intermediation cost to total assets

 

3.54

0.53

2.80

2.79

2.86

2.39

1.92

15. Ratio of wage bills to intermediation cost

 

45.78

-

-

60.61

52.25

47.94

47.34

16. Ratio of wage bills to total expense

 

33.50

-

-

39.08

25.55

20.22

18.53

17. Ratio of wage bills to total income

 

30.71

-

-

16.63

13.07

13.45

10.15

18. Ratio of burden to total assets

 

1.28

0.44

2.80

-1.73

-0.72

1.06

0.82

19. Ratio of burden to interest income

 

42.50

20.13

82.07

-30.67

-9.20

14.77

10.42

20. Ratio of operating profits to total assets

 

0.44

1.75

0.61

5.84

5.58

2.86

4.05

21. Return on assets

 

0.05

1.40

0.48

3.77

3.62

1.99

2.14

22. Return on equity

 

0.15

1.44

0.49

12.77

13.89

13.87

10.98

23. Cost of deposits

 

2.13

-

-

2.64

5.03

3.71

3.38

24. Cost of borrowings

 

0.60

-

-

0.71

1.12

2.48

3.04

25. Cost of funds

 

1.74

-

-

1.95

3.55

3.55

3.31

26. Return on advances

 

1.75

-

-

7.08

11.17

10.17

10.61

27. Return on investments

 

5.61

0.50

-

5.42

6.61

5.30

7.32

28. Return on advances adjusted to cost of funds

 

0.01

-

-

5.12

7.62

6.62

7.30

29. Return on investments adjusted to cost of funds

 

3.87

0.50

-

3.46

3.06

1.75

4.01

30. Business per employee (in Rupees Million)

 

362.21

-

-

385.23

339.93

89.60

133.60

31. Profit per employee (in Rupees Million)

 

0.12

-

-

13.90

14.89

1.40

2.10

32. Capital adequacy ratio

 

25.50

515.51

457.82

14.51

17.59

23.28

38.60

33. Capital adequacy ratio - Tier I

 

25.17

515.51

457.82

14.12

17.21

22.89

38.18

34. Capital adequacy ratio - Tier II

 

0.33

-

-

0.39

0.38

0.39

0.42

35. Ratio of net NPA to net advances

 

-

-

-

-

-

0.52

2.52

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

Bank of Ceylon

Bank of Nova Scotia

Bank of Tokyo-
Mitsubishi UFJ

Barclays Bank

2011

2012

2011

2012

2011

2012

2011

2012

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

1. Cash - Deposit Ratio

5.44

4.58

9.05

9.69

12.37

19.48

10.01

7.68

2. Credit - Deposit Ratio

68.90

77.20

172.36

141.10

318.39

196.47

123.31

161.09

3. Investment - Deposit Ratio

38.71

57.45

66.72

74.40

54.76

104.42

186.25

215.85

4. (Credit + Investment) - Deposit Ratio

107.61

134.65

239.08

215.50

373.16

300.89

309.56

376.94

5. Ratio of deposits to total liabilities

49.20

37.76

38.77

42.23

23.80

29.06

28.26

23.61

6. Ratio of demand & savings bank deposits to total deposits

42.76

40.08

7.16

9.91

58.10

48.83

7.01

8.48

7. Ratio of priority sector advances to total advances

52.59

46.79

43.79

43.45

37.49

45.58

28.27

34.51

8. Ratio of term loans to total advances

22.82

28.98

4.60

3.46

17.94

19.54

49.68

56.13

9. Ratio of secured advances to total advances

99.06

99.65

53.72

60.79

32.74

24.90

27.57

34.55

10. Ratio of investments in non-approved securities to total investments

-

-

7.88

5.54

-

12.30

44.70

64.91

11. Ratio of interest income to total assets

6.98

7.73

5.44

6.46

4.99

6.59

7.44

7.30

12. Ratio of net interest income to total assets (Net Interest Margin)

4.97

5.87

2.63

2.80

3.92

4.76

3.76

3.44

13. Ratio of non-interest income to total assets

2.48

1.84

1.81

2.23

1.30

1.77

2.02

-0.43

14. Ratio of intermediation cost to total assets

1.94

1.70

0.63

0.76

1.10

1.43

3.37

3.18

15. Ratio of wage bills to intermediation cost

35.31

34.97

44.30

34.19

48.07

42.97

41.81

43.58

16. Ratio of wage bills to total expense

17.37

16.72

8.11

5.88

24.31

18.83

19.96

19.72

17. Ratio of wage bills to total income

7.25

6.22

3.85

2.99

8.38

7.36

14.88

20.21

18. Ratio of burden to total assets

-0.54

-0.14

-1.18

-1.47

-0.20

-0.33

1.35

3.61

19. Ratio of burden to interest income

-7.72

-1.82

-21.75

-22.77

-4.01

-5.07

18.10

49.51

20. Ratio of operating profits to total assets

5.51

6.01

3.81

4.27

4.12

5.09

2.41

-0.17

21. Return on assets

3.68

3.08

2.20

2.24

1.64

2.26

0.47

-0.91

22. Return on equity

8.10

6.04

16.60

17.96

3.89

7.02

1.81

-3.30

23. Cost of deposits

4.05

4.35

5.24

7.17

2.91

5.81

5.07

5.98

24. Cost of borrowings

0.65

0.69

1.46

1.69

0.26

0.25

3.68

4.37

25. Cost of funds

3.99

4.24

3.34

4.32

1.73

2.72

4.27

4.95

26. Return on advances

11.02

10.72

5.84

6.39

5.59

6.70

11.25

9.81

27. Return on investments

7.21

9.99

5.48

7.79

4.99

8.24

6.70

7.00

28. Return on advances adjusted to cost of funds

7.03

6.49

2.50

2.07

3.85

3.98

6.98

4.87

29. Return on investments adjusted to cost of funds

3.22

5.75

2.13

3.47

3.26

5.52

2.43

2.05

30. Business per employee (in Rupees Million)

60.50

61.90

429.41

543.06

310.30

356.60

143.67

183.14

31. Profit per employee (in Rupees Million)

2.70

2.50

9.74

12.66

4.60

7.80

0.95

-2.31

32. Capital adequacy ratio

42.09

96.58

11.80

14.93

58.67

51.60

14.89

14.99

33. Capital adequacy ratio - Tier I

40.76

95.31

10.56

10.23

57.76

44.83

14.36

14.45

34. Capital adequacy ratio - Tier II

1.33

1.27

1.24

4.70

0.91

6.77

0.53

0.54

35. Ratio of net NPA to net advances

-

-

-

-

-

-

1.46

1.45

Source : Annual accounts of Banks.

TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

BNP Paribas

Chinatrust Commercial Bank

Citibank

Commonwealth Bank of Australia

2011

2012

2011

2012

2011

2012

2011

2012

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

1. Cash - Deposit Ratio

11.97

5.77

16.07

11.11

8.73

10.42

94.73

34.74

2. Credit - Deposit Ratio

117.31

104.81

241.53

194.11

71.64

72.80

1237.02

821.86

3. Investment - Deposit Ratio

81.92

57.40

32.87

35.48

53.64

66.72

319.11

149.70

4. (Credit + Investment) - Deposit Ratio

199.23

162.21

274.41

229.59

125.28

139.53

1556.13

971.56

5. Ratio of deposits to total liabilities

43.44

50.30

33.38

40.45

50.78

50.38

1.13

4.78

6. Ratio of demand & savings bank deposits to total deposits

25.63

39.67

58.57

37.31

55.57

54.52

100.00

47.27

7. Ratio of priority sector advances to total advances

24.71

37.25

26.15

9.85

32.78

28.87

99.66

56.07

8. Ratio of term loans to total advances

17.60

18.62

20.41

8.49

72.27

76.19

10.48

2.75

9. Ratio of secured advances to total advances

43.00

42.64

52.05

48.68

38.82

38.30

7.30

2.16

10. Ratio of investments in non-approved securities to total investments

37.86

-

0.94

12.51

2.91

1.85

-

-

11. Ratio of interest income to total assets

6.43

7.51

7.79

11.13

6.06

6.47

4.41

7.02

12. Ratio of net interest income to total assets (Net Interest Margin)

4.03

3.91

5.58

6.56

3.91

4.07

4.40

6.79

13. Ratio of non-interest income to total assets

2.57

0.65

1.97

1.79

1.88

1.16

1.05

3.31

14. Ratio of intermediation cost to total assets

2.84

3.19

4.29

4.49

2.62

2.33

14.33

12.83

15. Ratio of wage bills to intermediation cost

39.84

35.82

40.43

43.37

37.22

37.87

38.46

42.20

16. Ratio of wage bills to total expense

21.61

16.83

26.66

21.50

20.47

18.65

38.43

41.46

17. Ratio of wage bills to total income

12.58

14.01

17.76

15.08

12.31

11.58

100.89

52.40

18. Ratio of burden to total assets

0.27

2.54

2.32

2.70

0.74

1.17

13.28

9.52

19. Ratio of burden to interest income

4.24

33.84

29.75

24.27

12.28

18.13

301.05

135.56

20. Ratio of operating profits to total assets

3.76

1.37

3.26

3.86

3.16

2.89

-8.88

-2.73

21. Return on assets

2.00

0.73

1.39

-0.02

1.37

1.64

-11.50

-2.99

22. Return on equity

9.76

3.95

3.33

-0.06

10.01

12.42

-10.63

-3.62

23. Cost of deposits

4.18

6.56

3.63

4.57

2.94

3.21

0.36

3.51

24. Cost of borrowings

1.93

2.39

5.62

18.32

1.97

2.51

0.07

0.81

25. Cost of funds

3.51

5.24

4.12

8.63

2.72

3.00

0.10

1.28

26. Return on advances

7.99

8.48

8.60

12.49

9.06

9.68

1.67

7.74

27. Return on investments

7.00

9.59

7.99

9.06

8.92

8.32

1.73

10.80

28. Return on advances adjusted to cost of funds

4.48

3.24

4.48

3.87

6.34

6.68

1.57

6.46

29. Return on investments adjusted to cost of funds

3.48

4.35

3.87

0.43

6.20

5.31

1.63

9.52

30. Business per employee (in Rupees Million)

300.80

351.90

107.00

128.90

174.59

197.50

9.81

37.35

31. Profit per employee (in Rupees Million)

5.60

2.40

1.30

-0.03

2.86

3.60

-5.81

-2.20

32. Capital adequacy ratio

11.92

14.70

36.27

44.78

17.31

16.03

143.96

78.29

33. Capital adequacy ratio - Tier I

8.46

11.09

36.27

44.34

16.49

15.15

143.86

78.10

34. Capital adequacy ratio - Tier II

3.46

3.61

-

0.44

0.82

0.88

0.10

0.19

35. Ratio of net NPA to net advances

-

0.07

1.07

3.24

1.21

0.90

-

-

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

Credit Agricole

Credit Suisse AG

DBS Bank

Deutsche Bank

2011

2012

2011

2012

2011

2012

2011

2012

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

1. Cash - Deposit Ratio

18.49

10.71

 

12.15

6.38

6.25

7.39

17.98

2. Credit - Deposit Ratio

487.04

210.13

 

71.75

102.12

99.40

97.59

74.51

3. Investment - Deposit Ratio

578.81

439.63

 

561.19

139.97

114.38

58.71

50.00

4. (Credit + Investment) - Deposit Ratio

1065.85

649.76

 

632.94

242.09

213.78

156.30

124.51

5. Ratio of deposits to total liabilities

8.89

11.90

 

14.05

31.03

35.51

51.07

58.84

6. Ratio of demand & savings bank deposits to total deposits

35.99

16.77

 

12.93

7.57

4.50

66.41

64.98

7. Ratio of priority sector advances to total advances

54.78

58.11

 

-

48.93

48.41

32.26

24.89

8. Ratio of term loans to total advances

19.19

27.65

 

100.00

9.98

12.48

19.50

26.52

9. Ratio of secured advances to total advances

56.26

48.15

 

-

67.03

53.70

32.25

42.46

10. Ratio of investments in non-approved securities to total investments

40.78

37.65

 

40.08

59.92

48.83

37.85

39.19

11. Ratio of interest income to total assets

5.05

5.94

 

4.05

5.02

5.98

6.60

8.37

12. Ratio of net interest income to total assets (Net Interest Margin)

2.66

2.55

 

3.70

2.24

2.50

4.98

6.31

13. Ratio of non-interest income to total assets

2.47

3.46

 

4.99

0.45

1.03

3.44

2.63

14. Ratio of intermediation cost to total assets

1.29

1.35

 

2.20

1.28

1.37

3.94

3.68

15. Ratio of wage bills to intermediation cost

54.64

50.91

 

74.18

45.92

47.15

48.65

46.90

16. Ratio of wage bills to total expense

19.22

14.52

 

63.82

14.50

13.33

34.48

30.08

17. Ratio of wage bills to total income

9.42

7.33

 

18.07

10.77

9.22

19.10

15.70

18. Ratio of burden to total assets

-1.17

-2.10

 

-2.79

0.83

0.34

0.50

1.05

19. Ratio of burden to interest income

-23.21

-35.42

 

-68.79

16.55

5.62

7.60

12.60

20. Ratio of operating profits to total assets

3.83

4.66

 

6.49

1.41

2.17

4.47

5.26

21. Return on assets

0.89

4.92

 

6.38

0.79

1.12

1.95

2.58

22. Return on equity

3.50

17.29

 

7.33

7.34

15.12

11.98

13.75

23. Cost of deposits

4.86

7.35

 

1.69

5.11

6.26

1.62

2.37

24. Cost of borrowings

2.55

3.69

 

0.01

2.62

3.21

4.58

7.14

25. Cost of funds

2.92

4.20

 

0.48

3.72

4.56

2.36

3.14

26. Return on advances

5.10

5.91

 

0.08

6.13

7.45

8.52

13.11

27. Return on investments

5.66

7.50

 

2.93

6.18

8.24

7.11

7.42

28. Return on advances adjusted to cost of funds

2.19

1.71

 

-0.40

2.42

2.89

6.16

9.97

29. Return on investments adjusted to cost of funds

2.74

3.30

 

2.45

2.46

3.67

4.75

4.28

30. Business per employee (in Rupees Million)

361.40

266.40

 

187.01

240.65

327.82

198.88

215.63

31. Profit per employee (in Rupees Million)

4.40

25.50

 

27.86

2.05

4.27

4.34

6.09

32. Capital adequacy ratio

13.98

14.34

 

118.02

14.98

14.38

15.03

14.12

33. Capital adequacy ratio - Tier I

10.77

10.48

 

117.49

9.84

9.32

14.30

13.27

34. Capital adequacy ratio - Tier II

3.21

3.86

 

0.53

5.14

5.06

0.73

0.85

35. Ratio of net NPA to net advances

-

-

 

-

0.31

0.60

0.23

0.09

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

FirstRand Bank

Hongkong & Shanghai Banking Corporation

Industrial and Commercial Bank of China

JPMorgan Chase Bank

2011

2012

2011

2012

2011

2012

2011

2012

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

1. Cash - Deposit Ratio

52.20

33.14

8.98

6.40

-

330.03

6.17

9.77

2. Credit - Deposit Ratio

555.66

660.06

50.64

57.82

 

37360.07

54.24

50.50

3. Investment - Deposit Ratio

1940.15

1533.32

68.90

65.65

 

-

155.71

148.33

4. (Credit + Investment) - Deposit Ratio

2495.81

2193.37

119.54

123.46

 

37360.07

209.95

198.84

5. Ratio of deposits to total liabilities

3.42

3.98

59.36

56.24

 

0.02

42.66

43.27

6. Ratio of demand & savings bank deposits to total deposits

21.30

19.03

50.00

46.75

 

100.00

52.10

35.75

7. Ratio of priority sector advances to total advances

51.55

58.88

35.05

30.25

 

-

34.12

36.37

8. Ratio of term loans to total advances

49.51

44.64

43.11

32.41

 

-

87.56

83.68

9. Ratio of secured advances to total advances

17.27

34.79

57.05

58.01

 

100.00

8.89

24.42

10. Ratio of investments in non-approved securities to total investments

48.77

67.64

44.58

47.31

 

-

58.35

65.45

11. Ratio of interest income to total assets

6.73

7.56

5.72

6.18

 

4.76

5.49

6.68

12. Ratio of net interest income to total assets (Net Interest Margin)

3.83

4.37

3.67

3.74

 

4.76

3.65

4.20

13. Ratio of non-interest income to total assets

4.47

2.68

1.97

2.20

 

0.58

4.02

1.94

14. Ratio of intermediation cost to total assets

9.91

7.40

2.41

2.41

 

1.94

1.52

1.17

15. Ratio of wage bills to intermediation cost

70.03

67.28

39.91

38.86

 

34.68

63.09

61.43

16. Ratio of wage bills to total expense

54.17

47.01

21.59

19.30

 

34.68

28.56

19.68

17. Ratio of wage bills to total income

61.97

48.62

12.52

11.19

 

12.63

10.06

8.35

18. Ratio of burden to total assets

5.44

4.72

0.44

0.22

 

1.37

-2.50

-0.77

19. Ratio of burden to interest income

80.84

62.44

7.74

3.51

 

28.69

-45.61

-11.53

20. Ratio of operating profits to total assets

-1.61

-0.35

3.23

3.52

 

3.39

6.16

4.97

21. Return on assets

-1.37

-0.03

1.68

1.98

 

2.05

3.56

2.90

22. Return on equity

-3.02

-0.06

11.83

13.88

 

2.13

14.05

11.02

23. Cost of deposits

0.50

2.30

3.20

4.03

 

-

2.93

4.08

24. Cost of borrowings

6.19

5.36

1.64

1.50

 

-

1.39

2.09

25. Cost of funds

5.79

5.13

3.06

3.73

 

-

2.40

3.30

26. Return on advances

4.16

6.92

9.47

8.74

 

2.59

4.71

7.04

27. Return on investments

9.05

9.40

6.94

8.66

 

-

6.31

7.71

28. Return on advances adjusted to cost of funds

-1.63

1.80

6.41

5.01

 

-

2.31

3.74

29. Return on investments adjusted to cost of funds

3.26

4.27

3.87

4.92

 

-

3.91

4.40

30. Business per employee (in Rupees Million)

36.56

35.80

122.17

165.79

 

26.71

221.77

357.12

31. Profit per employee (in Rupees Million)

-1.97

-0.03

2.32

3.47

 

6.19

21.94

19.38

32. Capital adequacy ratio

94.81

61.47

18.03

16.04

 

241.09

22.99

23.96

33. Capital adequacy ratio - Tier I

94.61

61.22

16.69

14.83

 

241.00

22.33

23.41

34. Capital adequacy ratio - Tier II

0.20

0.25

1.34

1.21

 

0.09

0.66

0.55

35. Ratio of net NPA to net advances

-

-

0.91

0.62

 

-

-

-

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

JSC VTB Bank

Krung Thai Bank

Mashreqbank

Mizuho Corporate Bank

2011

2012

2011

2012

2011

2012

2011

2012

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

1. Cash - Deposit Ratio

13.78

14.23

5.95

4.84

6.20

1.25

12.59

34.96

2. Credit - Deposit Ratio

768.71

1049.79

11.36

6.53

68.93

66.93

374.91

532.33

3. Investment - Deposit Ratio

20.80

59.30

27.83

24.40

59.64

51.23

58.96

97.88

4. (Credit + Investment) - Deposit Ratio

789.51

1109.09

39.20

30.93

128.57

118.16

433.87

630.22

5. Ratio of deposits to total liabilities

5.89

6.24

68.49

73.50

36.58

40.45

17.03

12.53

6. Ratio of demand & savings bank deposits to total deposits

67.10

60.48

26.83

38.36

96.71

98.91

60.83

74.01

7. Ratio of priority sector advances to total advances

18.51

20.05

36.48

61.84

99.99

99.99

17.33

31.38

8. Ratio of term loans to total advances

62.67

62.00

-

-

0.01

0.01

16.19

17.93

9. Ratio of secured advances to total advances

81.16

80.35

100.00

95.00

100.00

100.00

31.25

20.63

10. Ratio of investments in non-approved securities to total investments

-

-

9.35

8.76

15.77

23.44

-

38.44

11. Ratio of interest income to total assets

5.75

9.98

5.91

7.06

3.52

2.91

5.07

6.18

12. Ratio of net interest income to total assets (Net Interest Margin)

5.74

9.82

4.09

4.45

3.43

2.85

3.82

5.83

13. Ratio of non-interest income to total assets

0.38

0.73

1.03

1.09

10.94

12.45

2.21

2.31

14. Ratio of intermediation cost to total assets

7.31

8.18

2.31

1.87

5.46

6.44

1.77

1.42

15. Ratio of wage bills to intermediation cost

37.98

37.33

21.08

23.64

40.48

30.61

43.65

46.48

16. Ratio of wage bills to total expense

37.90

36.62

11.78

9.87

39.81

30.34

25.63

37.32

17. Ratio of wage bills to total income

45.29

28.51

7.00

5.43

15.28

12.84

10.63

7.79

18. Ratio of burden to total assets

6.93

7.45

1.27

0.78

-5.48

-6.01

-0.44

-0.89

19. Ratio of burden to interest income

120.55

74.66

21.54

11.11

-155.87

-206.71

-8.61

-14.33

20. Ratio of operating profits to total assets

-1.20

2.37

2.82

3.66

8.91

8.86

4.26

6.72

21. Return on assets

-1.03

0.76

1.67

2.12

5.03

5.76

2.37

4.00

22. Return on equity

-1.08

0.81

5.73

7.71

8.18

9.23

3.65

5.32

23. Cost of deposits

0.23

2.61

2.60

3.65

0.27

0.12

4.01

2.15

24. Cost of borrowings

-

-

1.60

0.90

-

-

0.33

0.30

25. Cost of funds

0.23

2.61

2.58

3.60

0.27

0.15

3.71

1.26

26. Return on advances

6.34

13.70

6.85

9.41

4.26

2.45

7.11

6.89

27. Return on investments

4.67

4.88

6.98

6.92

6.99

7.17

4.70

11.62

28. Return on advances adjusted to cost of funds

6.11

11.09

4.27

5.81

3.99

2.31

3.40

5.63

29. Return on investments adjusted to cost of funds

4.44

2.27

4.40

3.32

6.71

7.02

1.00

10.36

30. Business per employee (in Rupees Million)

38.15

47.94

117.34

138.46

52.47

55.76

208.29

248.80

31. Profit per employee (in Rupees Million)

-0.75

0.50

2.36

3.30

6.02

6.88

4.77

10.36

32. Capital adequacy ratio

123.59

86.96

71.18

62.57

59.07

55.37

87.25

60.27

33. Capital adequacy ratio - Tier I

123.59

86.52

69.93

61.32

57.82

54.81

86.86

59.94

34. Capital adequacy ratio - Tier II

-

0.44

1.25

1.25

1.25

0.56

0.39

0.33

35. Ratio of net NPA to net advances

-

-

-

-

-

-

-

-

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

National Australia Bank

Oman International Bank

Rabobank International

Royal Bank of Scotland

2011

2012

2011

2012

2011

2012

2011

2012

(57)

(58)

(59)

(60)

(61)

(62)

(63)

(64)

1. Cash - Deposit Ratio

-

-

12.11

6.16

-

28.77

7.07

9.43

2. Credit - Deposit Ratio

 

-

1.32

2.65

 

3005.28

75.65

96.13

3. Investment - Deposit Ratio

 

-

55.90

49.80

 

1184.27

63.82

59.22

4. (Credit + Investment) - Deposit Ratio

 

-

57.22

52.44

 

4189.55

139.47

155.34

5. Ratio of deposits to total liabilities

 

-

41.77

36.65

 

1.82

63.39

55.91

6. Ratio of demand & savings bank deposits to total deposits

 

-

41.69

44.90

 

39.08

52.28

55.62

7. Ratio of priority sector advances to total advances

 

-

-

-

 

15.73

44.17

40.56

8. Ratio of term loans to total advances

 

-

97.21

49.66

 

37.01

41.86

43.23

9. Ratio of secured advances to total advances

 

-

100.00

100.00

 

47.90

65.42

68.84

10. Ratio of investments in non-approved securities to total investments

 

-

1.89

2.54

 

-

26.78

22.83

11. Ratio of interest income to total assets

 

1.98

3.76

4.27

 

3.93

7.91

7.90

12. Ratio of net interest income to total assets (Net Interest Margin)

 

1.98

1.63

1.95

 

3.92

4.70

4.08

13. Ratio of non-interest income to total assets

 

-

3.24

5.61

 

3.49

3.43

3.61

14. Ratio of intermediation cost to total assets

 

3.50

1.85

1.92

 

5.47

4.37

3.99

15. Ratio of wage bills to intermediation cost

 

74.15

31.26

33.95

 

45.51

38.00

36.43

16. Ratio of wage bills to total expense

 

74.15

14.53

15.40

 

45.42

21.90

18.60

17. Ratio of wage bills to total income

 

131.07

8.25

6.60

 

33.51

14.62

12.62

18. Ratio of burden to total assets

 

3.50

-1.39

-3.69

 

1.97

0.93

0.38

19. Ratio of burden to interest income

 

176.76

-37.02

-86.58

 

50.22

11.81

4.76

20. Ratio of operating profits to total assets

 

-1.52

3.02

5.65

 

1.95

3.77

3.70

21. Return on assets

 

-1.54

4.47

6.09

 

0.40

0.76

1.96

22. Return on equity

 

 

6.73

8.61

 

0.27

7.65

17.75

23. Cost of deposits

 

-

4.66

5.58

 

0.59

3.35

4.85

24. Cost of borrowings

 

-

1.05

1.23

 

0.36

3.99

1.47

25. Cost of funds

 

-

3.95

4.66

 

0.59

3.48

3.92

26. Return on advances

 

-

4.19

11.30

 

1.81

8.34

8.47

27. Return on investments

 

 

6.83

6.38

 

11.30

8.58

8.94

28. Return on advances adjusted to cost of funds

 

-

0.24

6.64

 

1.22

4.86

4.55

29. Return on investments adjusted to cost of funds

 

 

2.88

1.72

 

10.71

5.11

5.02

30. Business per employee (in Rupees Million)

 

-

44.77

46.37

 

84.41

111.32

130.73

31. Profit per employee (in Rupees Million)

 

-1.57

2.88

4.43

 

0.38

0.83

2.46

32. Capital adequacy ratio

 

423.74

45.64

52.01

 

123.86

11.65

12.46

33. Capital adequacy ratio - Tier I

 

423.74

45.47

37.23

 

123.47

8.33

9.38

34. Capital adequacy ratio - Tier II

 

-

0.17

14.78

 

0.39

3.32

3.08

35. Ratio of net NPA to net advances

 

-

-

-

 

-

1.65

0.74

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

Sberbank

Shinhan Bank

Societe Generale

Sonali Bank

2011

2012

2011

2012

2011

2012

2011

2012

(65)

(66)

(67)

(68)

(69)

(70)

(71)

(72)

1. Cash - Deposit Ratio

-

2600.00

13.91

4.90

8.14

6.08

10.22

11.21

2. Credit - Deposit Ratio

 

-

78.13

88.18

78.78

82.49

31.55

59.29

3. Investment - Deposit Ratio

 

-

28.76

27.11

233.96

144.15

18.01

17.59

4. (Credit + Investment) - Deposit Ratio

 

-

106.90

115.29

312.74

226.64

49.56

76.87

5. Ratio of deposits to total liabilities

 

0.01

56.81

59.40

29.64

41.27

71.29

70.18

6. Ratio of demand & savings bank deposits to total deposits

 

100.00

41.57

29.15

8.43

14.09

75.73

71.04

7. Ratio of priority sector advances to total advances

 

-

27.71

22.48

37.64

31.89

48.51

56.11

8. Ratio of term loans to total advances

 

-

39.60

33.08

17.88

19.63

4.45

2.18

9. Ratio of secured advances to total advances

 

-

62.93

61.55

51.35

53.83

45.67

76.20

10. Ratio of investments in non-approved securities to total investments

 

-

-

-

34.44

59.29

-

-

11. Ratio of interest income to total assets

 

7.49

7.26

9.24

6.80

7.27

2.96

5.56

12. Ratio of net interest income to total assets (Net Interest Margin)

 

7.49

4.81

5.26

2.62

3.13

1.13

3.54

13. Ratio of non-interest income to total assets

 

-

1.07

1.10

1.38

0.28

10.87

14.14

14. Ratio of intermediation cost to total assets

 

8.46

1.48

1.49

2.11

1.68

10.60

11.83

15. Ratio of wage bills to intermediation cost

 

49.25

41.17

38.26

47.12

48.36

66.11

64.44

16. Ratio of wage bills to total expense

 

49.25

15.52

10.42

15.78

13.96

56.36

55.02

17. Ratio of wage bills to total income

 

55.63

7.32

5.51

12.13

10.75

50.66

38.67

18. Ratio of burden to total assets

 

8.46

0.41

0.39

0.73

1.40

-0.27

-2.32

19. Ratio of burden to interest income

 

112.95

5.63

4.21

10.70

19.20

-9.04

-41.62

20. Ratio of operating profits to total assets

 

-0.97

4.40

4.87

1.89

1.73

1.40

5.86

21. Return on assets

 

-0.98

1.82

2.52

0.80

1.17

0.43

2.23

22. Return on equity

 

-0.98

6.70

8.66

5.61

5.21

2.62

13.79

23. Cost of deposits

 

-

4.00

6.50

6.41

8.99

1.67

1.93

24. Cost of borrowings

 

-

0.66

3.26

0.48

1.07

-

-

25. Cost of funds

 

-

3.74

6.21

2.75

4.67

1.67

1.93

26. Return on advances

 

-

8.35

10.13

7.51

9.48

7.74

12.56

27. Return on investments

 

 

5.96

8.97

7.26

6.88

10.28

9.62

28. Return on advances adjusted to cost of funds

 

-

4.61

3.92

4.76

4.81

6.07

10.63

29. Return on investments adjusted to cost of funds

 

 

2.22

2.76

4.50

2.20

8.60

7.70

30. Business per employee (in Rupees Million)

 

0.01

185.58

243.94

186.84

249.32

8.39

13.06

31. Profit per employee (in Rupees Million)

 

-0.84

3.34

5.49

2.47

3.55

0.04

0.26

32. Capital adequacy ratio

 

329.86

50.73

40.26

16.23

36.61

21.60

16.81

33. Capital adequacy ratio - Tier I

 

329.86

49.51

39.35

15.62

35.82

21.36

16.50

34. Capital adequacy ratio - Tier II

 

-

1.22

0.91

0.61

0.79

0.24

0.31

35. Ratio of net NPA to net advances

 

-

-

-

-

-

2.46

1.16

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

FOREIGN BANKS

(In per cent)

Items

Standard Chartered Bank

State Bank of Mauritius

UBS AG

United Overseas Bank

2011

2012

2011

2012

2011

2012

2011

2012

(73)

(74)

(75)

(76)

(77)

(78)

(79)

(80)

1. Cash - Deposit Ratio

7.78

5.21

7.01

5.27

10.49

7.54

88420.00

88420.00

2. Credit - Deposit Ratio

84.22

86.88

119.44

106.00

108.47

104.83

-

-

3. Investment - Deposit Ratio

39.52

42.72

83.42

62.92

601.15

591.97

-

-

4. (Credit + Investment) - Deposit Ratio

123.74

129.59

202.85

168.91

709.62

696.79

-

-

5. Ratio of deposits to total liabilities

54.95

52.57

43.79

54.20

11.26

8.84

-

-

6. Ratio of demand & savings bank deposits to total deposits

42.72

40.14

6.43

33.44

1.82

1.73

100.00

100.00

7. Ratio of priority sector advances to total advances

26.37

26.39

30.84

31.54

21.76

24.67

-

-

8. Ratio of term loans to total advances

37.53

37.59

47.95

41.31

29.19

-

-

-

9. Ratio of secured advances to total advances

54.26

62.62

79.95

86.15

29.19

31.68

-

-

10. Ratio of investments in non-approved securities to total investments

14.34

18.64

50.02

15.78

74.52

56.86

-

-

11. Ratio of interest income to total assets

6.51

6.97

6.52

9.71

4.94

5.89

4.68

7.00

12. Ratio of net interest income to total assets (Net Interest Margin)

4.10

3.73

2.45

3.06

3.42

3.89

4.68

7.00

13. Ratio of non-interest income to total assets

2.53

2.62

0.62

0.98

1.51

-1.26

-

0.19

14. Ratio of intermediation cost to total assets

2.66

2.40

1.13

1.31

2.68

1.65

4.91

5.76

15. Ratio of wage bills to intermediation cost

48.55

48.81

56.68

49.70

60.24

57.93

36.58

36.47

16. Ratio of wage bills to total expense

25.48

20.80

12.30

8.19

38.43

26.23

36.58

36.47

17. Ratio of wage bills to total income

14.29

12.24

8.94

6.11

25.02

20.64

38.40

29.22

18. Ratio of burden to total assets

0.13

-0.22

0.50

0.33

1.17

2.91

4.91

5.57

19. Ratio of burden to interest income

1.97

-3.11

7.73

3.43

23.69

49.36

104.99

79.56

20. Ratio of operating profits to total assets

3.97

3.95

1.95

2.72

2.25

0.99

-0.23

1.43

21. Return on assets

2.44

1.49

0.93

0.81

1.63

0.48

-0.24

1.21

22. Return on equity

16.70

12.76

3.14

3.45

3.40

1.59

-0.25

1.18

23. Cost of deposits

3.45

4.93

6.12

9.71

9.25

8.48

-

-

24. Cost of borrowings

3.67

1.65

3.85

4.13

1.81

3.82

-

-

25. Cost of funds

3.49

4.40

5.40

7.93

3.98

4.98

-

-

26. Return on advances

9.75

11.29

8.16

10.32

7.48

11.20

-

-

27. Return on investments

8.95

7.89

5.26

8.48

5.88

7.75

-

-

28. Return on advances adjusted to cost of funds

6.26

6.89

2.76

2.39

3.50

6.23

-

-

29. Return on investments adjusted to cost of funds

5.46

3.49

-0.14

0.55

1.90

2.77

-

-

30. Business per employee (in Rupees Million)

134.56

154.67

281.30

335.80

248.42

216.39

0.00

0.00

31. Profit per employee (in Rupees Million)

2.64

2.31

1.90

2.40

10.93

5.48

-0.64

1.81

32. Capital adequacy ratio

11.88

11.05

45.66

39.02

90.01

53.75

341.49

306.12

33. Capital adequacy ratio - Tier I

8.90

8.19

44.07

37.52

89.79

53.61

341.49

306.12

34. Capital adequacy ratio - Tier II

2.98

2.86

1.59

1.50

0.22

0.14

-

-

35. Ratio of net NPA to net advances

0.27

0.70

2.18

0.87

-

-

-

-

Source : Annual accounts of Banks.

TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND
2012 AS ON MARCH 31 (Concld.)

FOREIGN BANKS

(In per cent)

Items

Woori Bank

2011

2012

(81)

(82)

1. Cash - Deposit Ratio

-

-

2. Credit - Deposit Ratio

 

-

3. Investment - Deposit Ratio

 

-

4. (Credit + Investment) - Deposit Ratio

 

-

5. Ratio of deposits to total liabilities

 

-

6. Ratio of demand & savings bank deposits to total deposits

 

-

7. Ratio of priority sector advances to total advances

 

-

8. Ratio of term loans to total advances

 

-

9. Ratio of secured advances to total advances

 

-

10. Ratio of investments in non-approved securities to total investments

 

-

11. Ratio of interest income to total assets

 

2.56

12. Ratio of net interest income to total assets (Net Interest Margin)

 

2.56

13. Ratio of non-interest income to total assets  

-

14. Ratio of intermediation cost to total assets

 

1.61

15. Ratio of wage bills to intermediation cost

 

26.13

16. Ratio of wage bills to total expense

 

26.13

17. Ratio of wage bills to total income

 

16.48

18. Ratio of burden to total assets

 

1.61

19. Ratio of burden to interest income

 

63.05

20. Ratio of operating profits to total assets

 

0.95

21. Return on assets

 

-

22. Return on equity

 

0.53

23. Cost of deposits

 

-

24. Cost of borrowings

 

-

25. Cost of funds

 

-

26. Return on advances

 

-

27. Return on investments

 

-

28. Return on advances adjusted to cost of funds

 

-

29. Return on investments adjusted to cost of funds

 

-

30. Business per employee (in Rupees Million)

 

-

31. Profit per employee (in Rupees Million)

 

-

32. Capital adequacy ratio

 

421.70

33. Capital adequacy ratio - Tier I

 

421.70

34. Capital adequacy ratio - Tier II

 

-

35. Ratio of net NPA to net advances

 

-

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(In per cent)

Items

Allahabad Bank

Andhra Bank

Bank of Baroda

Bank of India

2011

2012

2011

2012

2011

2012

2011

2012

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1. Cash - Deposit Ratio

5.99

5.46

7.80

5.26

6.50

5.63

7.29

4.71

2. Credit - Deposit Ratio

70.99

69.64

77.52

79.02

74.87

74.67

71.30

78.20

3. Investment - Deposit Ratio

32.79

34.01

26.26

27.99

23.38

21.62

28.73

27.26

4. (Credit + Investment) - Deposit Ratio

103.78

103.66

103.78

107.01

98.24

96.29

100.03

105.46

5. Ratio of deposits to total liabilities

87.18

87.24

84.62

84.71

85.22

86.04

85.11

82.75

6. Ratio of demand & savings bank deposits to total deposits

33.48

30.49

29.06

26.40

28.68

26.90

25.42

26.65

7. Ratio of priority sector advances to total advances

32.86

33.65

33.00

33.07

24.01

22.59

25.76

22.56

8. Ratio of term loans to total advances

52.40

51.16

43.68

46.23

44.25

44.14

38.38

40.03

9. Ratio of secured advances to total advances

86.67

89.45

84.08

87.61

78.53

83.67

76.37

78.94

10. Ratio of investments in non-approved securities to total investments

18.56

16.58

6.04

9.76

16.02

16.65

21.31

17.42

11. Ratio of interest income to total assets

8.07

9.29

8.32

9.70

6.87

7.37

6.95

7.74

12. Ratio of net interest income to total assets (Net Interest Margin)

2.95

3.09

3.23

3.21

2.76

2.56

2.49

2.26

13. Ratio of non-interest income to total assets

1.00

0.78

0.90

0.74

0.88

0.85

0.84

0.90

14. Ratio of intermediation cost to total assets

1.71

1.61

1.71

1.54

1.45

1.28

1.62

1.34

15. Ratio of wage bills to intermediation cost

66.61

68.16

64.77

63.73

63.00

57.87

68.57

61.80

16. Ratio of wage bills to total expense

16.69

14.06

16.30

12.25

16.47

12.18

18.28

12.16

17. Ratio of wage bills to total income

12.58

10.91

12.02

9.43

11.81

9.02

14.25

9.60

18. Ratio of burden to total assets

0.71

0.83

0.81

0.81

0.57

0.43

0.78

0.44

19. Ratio of burden to interest income

8.79

8.97

9.74

8.33

8.32

5.85

11.16

5.69

20. Ratio of operating profits to total assets

2.24

2.26

2.42

2.41

2.19

2.13

1.72

1.82

21. Return on assets

1.11

1.02

1.36

1.19

1.33

1.24

0.82

0.72

22. Return on equity

18.65

19.64

23.24

19.25

23.47

20.64

15.79

14.00

23. Cost of deposits

5.46

6.69

5.38

7.02

4.34

5.15

4.61

5.82

24. Cost of borrowings

0.78

1.99

3.34

4.46

1.94

2.75

3.66

4.23

25. Cost of funds

5.23

6.44

5.23

6.83

4.19

5.00

4.53

5.69

26. Return on advances

10.02

11.39

10.49

11.97

8.02

8.67

8.12

8.76

27. Return on investments

6.54

7.62

6.83

7.33

7.20

8.00

6.76

8.27

28. Return on advances adjusted to cost of funds

4.78

4.95

5.26

5.14

3.82

3.67

3.59

3.07

29. Return on investments adjusted to cost of funds

1.31

1.18

1.60

0.51

3.01

3.00

2.23

2.58

30. Business per employee (in Rupees Million)

106.3

121.7

116.5

126.2

122.9

146.6

128.4

136

31. Profit per employee (in Rupees Million)

0.67

0.84

0.9

0.9

1.1

1.2

0.62

0.64

32. Capital adequacy ratio

12.96

12.83

14.38

13.18

14.52

14.67

12.17

11.95

33. Capital adequacy ratio - Tier I

8.57

9.13

9.68

9.03

9.99

10.83

8.33

8.59

34. Capital adequacy ratio - Tier II

4.39

3.70

4.70

4.15

4.53

3.84

3.84

3.36

35. Ratio of net NPA To net advances

0.79

0.98

0.38

0.91

0.35

0.54

0.91

1.47

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(In per cent)

Items

Bank of Maharashtra

Canara Bank

Central Bank of India

Corporation Bank

2011

2012

2011

2012

2011

2012

2011

2012

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1. Cash - Deposit Ratio

5.75

5.93

7.50

5.44

7.85

6.68

6.97

6.82

2. Credit - Deposit Ratio

70.13

73.25

72.00

71.09

72.33

75.20

74.39

73.80

3. Investment - Deposit Ratio

33.65

29.94

28.50

31.21

30.39

30.20

37.22

34.87

4. (Credit + Investment) - Deposit Ratio

103.78

103.19

100.50

102.29

102.72

105.39

111.61

108.67

5. Ratio of deposits to total liabilities

87.44

86.95

87.35

87.41

85.51

85.37

81.35

83.24

6. Ratio of demand & savings bank deposits to total deposits

40.44

41.33

28.33

24.34

35.17

33.27

25.95

22.12

7. Ratio of priority sector advances to total advances

34.36

33.63

32.19

29.80

31.23

26.11

27.52

29.19

8. Ratio of term loans to total advances

70.21

62.59

48.31

50.58

69.26

65.21

47.77

52.90

9. Ratio of secured advances to total advances

74.12

81.09

69.53

71.46

80.87

75.40

67.21

72.26

10. Ratio of investments in non-approved securities to total investments

17.51

23.51

14.65

13.02

12.22

14.28

35.31

21.98

11. Ratio of interest income to total assets

7.54

8.77

7.64

8.69

7.76

8.71

7.16

8.48

12. Ratio of net interest income to total assets (Net Interest Margin)

2.67

3.06

2.56

2.17

2.71

2.35

2.30

2.05

13. Ratio of non-interest income to total assets

0.72

0.78

0.94

0.82

0.64

0.63

0.98

0.97

14. Ratio of intermediation cost to total assets

2.23

2.00

1.47

1.32

2.04

1.71

1.29

1.16

15. Ratio of wage bills to intermediation cost

70.37

67.76

66.86

63.61

74.12

66.85

54.51

51.20

16. Ratio of wage bills to total expense

22.09

17.56

15.03

10.68

21.33

14.14

11.42

7.84

17. Ratio of wage bills to total income

18.99

14.17

11.47

8.80

17.98

12.20

8.61

6.29

18. Ratio of burden to total assets

1.51

1.22

0.54

0.49

1.39

1.07

0.30

0.19

19. Ratio of burden to interest income

20.01

13.89

7.01

5.66

17.96

12.29

4.22

2.23

20. Ratio of operating profits to total assets

1.16

1.84

2.03

1.67

1.32

1.28

2.00

1.86

21. Return on assets

0.47

0.55

1.42

0.95

0.70

0.26

1.21

1.06

22. Return on equity

9.68

9.91

23.20

15.36

13.49

4.57

21.89

19.54

23. Cost of deposits

5.04

5.99

5.39

7.08

5.31

6.92

5.09

7.13

24. Cost of borrowings

1.51

3.48

2.95

2.89

1.43

1.16

1.28

1.56

25. Cost of funds

4.89

5.87

5.29

6.89

5.09

6.55

4.68

6.54

26. Return on advances

9.19

10.67

8.96

10.57

9.57

10.40

8.63

10.21

27. Return on investments

6.94

7.53

7.36

7.59

7.17

7.64

5.97

6.75

28. Return on advances adjusted to cost of funds

4.30

4.79

3.67

3.68

4.48

3.85

3.95

3.67

29. Return on investments adjusted to cost of funds

2.05

1.65

2.07

0.70

2.08

1.09

1.29

0.21

30. Business per employee (in Rupees Million)

82.5

96.7

119.91

137.44

83.52

86.16

157.28

171.3

31. Profit per employee (in Rupees Million)

0.24

0.31

0.98

0.82

0.4

0.15

1.09

1.09

32. Capital adequacy ratio

13.35

12.43

15.38

13.76

11.64

12.40

14.11

13.00

33. Capital adequacy ratio - Tier I

8.02

8.31

10.87

10.35

6.31

7.79

8.69

8.33

34. Capital adequacy ratio - Tier II

5.33

4.12

4.51

3.41

5.33

4.61

5.42

4.67

35. Ratio of net NPA To net advances

1.32

0.84

1.10

1.46

0.65

3.09

0.46

0.87

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(In per cent)

Items

Dena Bank

IDBI Bank Ltd.

Indian Bank

Indian Overseas Bank

2011

2012

2011

2012

2011

2012

2011

2012

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

1. Cash - Deposit Ratio

7.35

6.73

10.84

7.17

6.50

5.23

6.89

5.72

2. Credit - Deposit Ratio

69.82

73.47

87.04

86.06

71.12

74.77

77.00

78.87

3. Investment - Deposit Ratio

29.23

29.84

37.83

39.51

32.88

31.44

33.47

31.14

4. (Credit + Investment) - Deposit Ratio

99.05

103.31

124.87

125.58

104.00

106.20

110.48

110.01

5. Ratio of deposits to total liabilities

90.64

88.30

71.23

72.37

86.93

85.42

81.23

81.24

6. Ratio of demand & savings bank deposits to total deposits

35.52

34.55

20.88

24.10

30.92

30.55

30.20

26.42

7. Ratio of priority sector advances to total advances

33.80

30.26

26.87

26.74

34.29

32.98

29.19

30.03

8. Ratio of term loans to total advances

48.32

50.36

77.24

72.84

61.41

57.54

50.18

51.84

9. Ratio of secured advances to total advances

81.59

82.68

92.92

92.61

84.03

80.51

79.86

85.81

10. Ratio of investments in non-approved securities to total investments

18.54

15.65

20.87

22.09

24.03

21.68

21.50

9.97

11. Ratio of interest income to total assets

7.84

8.59

7.62

8.59

8.39

9.30

7.81

8.98

12. Ratio of net interest income to total assets (Net Interest Margin)

2.75

2.66

1.75

1.67

3.62

3.36

2.72

2.52

13. Ratio of non-interest income to total assets

0.83

0.74

0.88

0.78

1.06

0.94

0.79

0.84

14. Ratio of intermediation cost to total assets

1.67

1.46

0.93

0.96

1.73

1.66

1.66

1.59

15. Ratio of wage bills to intermediation cost

64.11

61.89

45.53

44.50

69.18

67.85

67.68

65.85

16. Ratio of wage bills to total expense

15.84

12.22

6.21

5.41

18.38

14.84

16.64

12.98

17. Ratio of wage bills to total income

12.36

9.69

4.96

4.55

12.64

11.02

13.07

10.64

18. Ratio of burden to total assets

0.84

0.72

0.05

0.18

0.67

0.73

0.87

0.74

19. Ratio of burden to interest income

10.72

8.43

0.60

2.09

7.95

7.81

11.13

8.28

20. Ratio of operating profits to total assets

1.91

1.93

1.71

1.49

2.95

2.63

1.85

1.77

21. Return on assets

1.00

1.08

0.73

0.82

1.53

1.31

0.71

0.52

22. Return on equity

19.55

19.75

13.35

11.95

19.27

17.19

12.73

9.88

23. Cost of deposits

5.40

6.41

5.74

7.18

5.29

6.58

5.28

6.94

24. Cost of borrowings

0.49

0.64

1.97

2.61

11.48

9.55

8.05

7.66

25. Cost of funds

5.26

6.19

4.90

6.21

5.39

6.67

5.55

7.03

26. Return on advances

9.52

10.17

9.32

10.63

10.33

11.38

9.27

10.76

27. Return on investments

6.92

7.39

6.71

6.99

7.07

7.67

6.88

7.57

28. Return on advances adjusted to cost of funds

4.26

3.98

4.41

4.42

4.94

4.71

3.72

3.74

29. Return on investments adjusted to cost of funds

1.66

1.20

1.81

0.78

1.69

1.00

1.32

0.54

30. Business per employee (in Rupees Million)

107.7

128.4

234.64

238.71

93

111.4

100.5

117.6

31. Profit per employee (in Rupees Million)

0.62

0.79

1.19

1.32

0.89

0.93

0.42

0.38

32. Capital adequacy ratio

13.41

11.51

13.64

14.58

13.56

13.47

14.55

13.32

33. Capital adequacy ratio - Tier I

9.77

8.86

8.03

8.38

11.02

11.13

8.16

8.35

34. Capital adequacy ratio - Tier II

3.64

2.65

5.61

6.20

2.54

2.34

6.39

4.97

35. Ratio of net NPA To net advances

1.22

1.01

1.06

1.61

0.53

1.33

1.19

1.35

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(In per cent)

Items

Oriental Bank of Commerce

Punjab and Sind Bank

Punjab National Bank

Syndicate Bank

2011

2012

2011

2012

2011

2012

2011

2012

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

1. Cash - Deposit Ratio

6.84

5.43

7.67

5.77

7.60

4.87

7.70

5.58

2. Credit - Deposit Ratio

68.97

71.80

71.39

73.11

77.38

77.39

78.75

78.27

3. Investment - Deposit Ratio

35.63

33.41

31.22

31.79

30.41

32.31

25.86

25.84

4. (Credit + Investment) - Deposit Ratio

104.60

105.20

102.61

104.90

107.79

109.70

104.61

104.11

5. Ratio of deposits to total liabilities

86.19

87.56

87.12

86.58

82.71

82.84

86.62

86.56

6. Ratio of demand & savings bank deposits to total deposits

24.56

24.13

23.95

23.93

38.45

35.34

30.93

29.45

7. Ratio of priority sector advances to total advances

36.45

35.75

30.82

28.01

32.48

31.33

30.13

29.46

8. Ratio of term loans to total advances

57.24

56.20

71.43

68.74

49.84

48.59

77.08

79.93

9. Ratio of secured advances to total advances

87.82

92.68

71.70

81.28

87.61

91.61

73.93

77.85

10. Ratio of investments in non-approved securities to total investments

25.92

24.35

12.71

14.78

16.06

18.47

13.46

10.51

11. Ratio of interest income to total assets

8.09

9.32

7.88

9.15

8.00

8.71

7.75

9.01

12. Ratio of net interest income to total assets (Net Interest Margin)

2.80

2.48

2.49

2.12

3.50

3.21

2.97

3.00

13. Ratio of non-interest income to total assets

0.64

0.73

0.70

0.59

1.07

1.00

0.62

0.63

14. Ratio of intermediation cost to total assets

1.27

1.36

1.57

1.64

1.89

1.67

1.72

1.66

15. Ratio of wage bills to intermediation cost

55.40

58.60

76.81

71.85

70.10

67.45

69.59

67.21

16. Ratio of wage bills to total expense

10.70

9.75

17.35

13.58

20.71

15.74

18.44

14.55

17. Ratio of wage bills to total income

8.04

7.96

14.08

12.08

14.58

11.63

14.34

11.57

18. Ratio of burden to total assets

0.62

0.63

0.87

1.05

0.82

0.67

1.10

1.03

19. Ratio of burden to interest income

7.71

6.80

11.09

11.45

10.20

7.69

14.26

11.38

20. Ratio of operating profits to total assets

2.17

1.85

1.62

1.07

2.68

2.54

1.86

1.97

21. Return on assets

1.03

0.67

0.90

0.65

1.34

1.19

0.76

0.81

22. Return on equity

15.55

9.91

16.39

11.21

22.60

19.80

16.53

16.32

23. Cost of deposits

5.76

7.60

5.74

7.61

4.91

6.18

4.90

6.35

24. Cost of borrowings

0.44

0.69

2.87

3.92

1.01

1.21

1.03

0.80

25. Cost of funds

5.56

7.36

5.57

7.43

4.58

5.73

4.60

6.00

26. Return on advances

9.98

11.62

9.58

11.16

9.85

10.62

9.33

10.74

27. Return on investments

7.26

7.22

7.00

7.59

6.52

7.06

6.49

7.21

28. Return on advances adjusted to cost of funds

4.43

4.26

4.01

3.72

5.26

4.89

4.73

4.74

29. Return on investments adjusted to cost of funds

1.70

-0.13

1.43

0.16

1.94

1.33

1.89

1.21

30. Business per employee (in Rupees Million)

141.8

146.22

119

130.2

101.78

113.2

87.54

107.41

31. Profit per employee (in Rupees Million)

0.9

0.62

0.6

0.6

0.84

0.84

0.4

0.53

32. Capital adequacy ratio

14.23

12.69

12.94

13.26

12.42

12.63

13.04

12.24

33. Capital adequacy ratio - Tier I

11.21

10.12

8.35

8.55

8.44

9.28

9.31

8.94

34. Capital adequacy ratio - Tier II

3.02

2.57

4.59

4.71

3.98

3.35

3.73

3.30

35. Ratio of net NPA To net advances

0.98

2.21

0.56

1.19

0.85

1.52

0.97

0.96

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

NATIONALISED BANKS

(In per cent)

Items

UCO Bank

Union Bank of India

United Bank of India

Vijaya Bank

2011

2012

2011

2012

2011

2012

2011

2012

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

1. Cash - Deposit Ratio

7.16

5.07

8.70

5.22

7.63

5.71

6.66

5.47

2. Credit - Deposit Ratio

68.19

75.02

74.58

79.81

68.73

70.74

66.51

69.72

3. Investment - Deposit Ratio

29.55

29.72

28.84

27.98

33.73

32.61

34.32

34.49

4. (Credit + Investment) - Deposit Ratio

97.74

104.75

103.42

107.80

102.46

103.35

100.83

104.20

5. Ratio of deposits to total liabilities

88.91

85.32

85.79

85.00

86.46

87.36

89.31

86.73

6. Ratio of demand & savings bank deposits to total deposits

22.05

22.34

31.76

31.28

40.78

40.77

25.25

22.02

7. Ratio of priority sector advances to total advances

24.32

25.03

32.04

23.87

31.94

35.15

29.48

29.56

8. Ratio of term loans to total advances

64.40

63.86

42.99

43.71

71.27

69.10

54.19

53.47

9. Ratio of secured advances to total advances

85.63

76.08

78.79

78.57

79.95

80.49

74.89

74.25

10. Ratio of investments in non-approved securities to total investments

19.08

12.80

20.37

19.05

27.02

21.87

27.17

17.24

11. Ratio of interest income to total assets

7.56

8.51

7.63

8.49

7.59

8.29

7.68

8.99

12. Ratio of net interest income to total assets (Net Interest Margin)

2.56

2.27

2.88

2.77

2.60

2.58

2.56

2.14

13. Ratio of non-interest income to total assets

0.62

0.56

0.95

0.94

0.76

0.76

0.70

0.59

14. Ratio of intermediation cost to total assets

1.38

1.20

1.83

1.60

1.56

1.44

1.88

1.35

15. Ratio of wage bills to intermediation cost

71.32

67.26

65.81

62.18

62.67

64.42

70.50

61.61

16. Ratio of wage bills to total expense

15.42

10.82

18.33

13.61

14.88

12.98

18.96

10.16

17. Ratio of wage bills to total income

12.04

8.87

14.06

10.56

11.67

10.25

15.84

8.69

18. Ratio of burden to total assets

0.76

0.63

0.89

0.66

0.79

0.68

1.18

0.76

19. Ratio of burden to interest income

10.11

7.45

11.62

7.83

10.44

8.17

15.40

8.43

20. Ratio of operating profits to total assets

1.79

1.64

2.00

2.11

1.80

1.90

1.38

1.38

21. Return on assets

0.66

0.69

1.05

0.79

0.66

0.70

0.72

0.66

22. Return on equity

14.36

13.83

17.96

13.05

11.74

11.93

12.63

11.54

23. Cost of deposits

5.11

6.65

5.12

6.30

5.27

6.11

5.38

7.43

24. Cost of borrowings

3.08

3.00

1.01

0.90

2.49

1.80

0.03

0.32

25. Cost of funds

5.03

6.44

4.89

5.93

5.17

5.88

5.23

7.10

26. Return on advances

9.37

10.61

8.90

9.75

9.67

10.35

9.29

11.35

27. Return on investments

6.25

7.12

7.10

7.57

6.39

6.79

6.97

6.96

28. Return on advances adjusted to cost of funds

4.34

4.17

4.02

3.81

4.50

4.47

4.06

4.24

29. Return on investments adjusted to cost of funds

1.22

0.68

2.21

1.63

1.22

0.91

1.74

-0.14

30. Business per employee (in Rupees Million)

106.9

116.4

104.3

107

86

97.1

92.8

112.8

31. Profit per employee (in Rupees Million)

0.42

0.51

0.8

0.6

0.35

0.41

0.63

0.5

32. Capital adequacy ratio

13.71

12.35

12.95

11.85

13.05

12.69

13.88

13.06

33. Capital adequacy ratio - Tier I

8.52

8.09

8.69

8.37

8.90

8.79

9.88

9.68

34. Capital adequacy ratio - Tier II

5.19

4.26

4.26

3.48

4.15

3.90

4.00

3.38

35. Ratio of net NPA To net advances

1.84

1.96

1.19

1.70

1.42

1.72

1.52

1.72

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

NEW PRIVATE SECTOR BANKS

(In per cent)

Items

Axis Bank

Development Credit Bank

HDFC Bank

ICICI Bank

2011

2012

2011

2012

2011

2012

2011

2012

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1. Cash - Deposit Ratio

7.34

4.86

7.21

6.43

12.03

6.08

9.27

8.01

2. Credit - Deposit Ratio

75.25

77.13

76.32

83.41

76.70

79.21

95.91

99.31

3. Investment - Deposit Ratio

38.04

42.34

40.91

39.74

34.00

39.51

59.70

62.45

4. (Credit + Investment) - Deposit Ratio

113.30

119.47

117.23

123.15

110.70

118.73

155.61

161.76

5. Ratio of deposits to total liabilities

77.97

77.06

75.68

73.02

75.21

73.01

55.54

53.94

6. Ratio of demand & savings bank deposits to total deposits

41.10

41.54

35.21

32.12

52.69

48.40

45.06

43.45

7. Ratio of priority sector advances to total advances

28.99

28.56

37.91

36.33

34.24

32.68

24.68

23.37

8. Ratio of term loans to total advances

72.99

70.09

59.36

59.67

60.46

58.63

83.33

85.56

9. Ratio of secured advances to total advances

81.70

86.44

90.97

86.94

75.51

75.54

78.88

84.82

10. Ratio of investments in non-approved securities to total investments

38.67

37.32

23.70

19.70

24.36

21.81

52.36

45.51

11. Ratio of interest income to total assets

7.16

8.33

7.92

8.91

7.97

8.87

6.75

7.62

12. Ratio of net interest income to total assets (Net Interest Margin)

3.10

3.04

2.79

2.83

4.22

4.00

2.34

2.44

13. Ratio of non-interest income to total assets

2.19

2.05

1.65

1.28

1.73

1.70

1.73

1.71

14. Ratio of intermediation cost to total assets

2.26

2.27

3.18

3.07

2.86

2.79

1.72

1.78

15. Ratio of wage bills to intermediation cost

33.77

34.63

49.43

50.52

39.65

39.58

42.57

44.78

16. Ratio of wage bills to total expense

12.07

10.41

18.92

16.93

17.15

14.42

11.95

11.47

17. Ratio of wage bills to total income

8.16

7.59

16.41

15.20

11.69

10.45

8.64

8.56

18. Ratio of burden to total assets

0.07

0.22

1.52

1.79

1.13

1.09

-0.01

0.08

19. Ratio of burden to interest income

0.97

2.67

19.22

20.07

14.14

12.26

-0.12

1.04

20. Ratio of operating profits to total assets

3.03

2.81

1.27

1.04

3.09

2.91

2.35

2.36

21. Return on assets

1.68

1.68

0.30

0.68

1.58

1.77

1.35

1.50

22. Return on equity

19.34

20.29

3.51

7.43

16.74

18.69

9.65

11.20

23. Cost of deposits

4.54

5.95

5.61

6.83

4.27

5.57

4.71

5.95

24. Cost of borrowings

0.74

0.77

6.17

7.17

9.79

11.78

1.22

1.18

25. Cost of funds

4.10

5.29

5.68

6.88

4.64

6.06

3.59

4.32

26. Return on advances

8.43

9.85

10.40

11.21

10.56

11.56

8.26

9.42

27. Return on investments

6.94

7.74

6.12

7.17

7.22

7.72

6.19

6.58

28. Return on advances adjusted to cost of funds

4.34

4.57

4.73

4.33

5.91

5.50

4.68

5.10

29. Return on investments adjusted to cost of funds

2.84

2.46

0.44

0.29

2.57

1.67

2.60

2.27

30. Business per employee (in Rupees Million)

136.6

127.6

49.1

51.4

65.3

65.4

73.5

70.8

31. Profit per employee (in Rupees Million)

1.4

1.4

0.1

0.2

0.74

0.81

1

1.1

32. Capital adequacy ratio

12.65

13.66

13.25

15.41

16.22

16.52

19.54

18.52

33. Capital adequacy ratio - Tier I

9.41

9.45

11.10

13.81

12.23

11.60

13.17

12.68

34. Capital adequacy ratio - Tier II

3.24

4.21

2.15

1.60

3.99

4.92

6.37

5.84

35. Ratio of net NPA To net advances

0.29

0.27

0.96

0.57

0.19

0.18

1.11

0.73

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

NEW PRIVATE SECTOR BANKS

(In per cent)

Items

IndusInd Bank

Kotak Mahindra
Bank

Yes Bank

2011

2012

2011

2012

2011

2012

(9)

(10)

(11)

(12)

(13)

(14)

1. Cash - Deposit Ratio

7.15

6.85

7.20

5.23

6.70

4.75

2. Credit - Deposit Ratio

76.14

82.77

100.23

101.41

74.80

77.29

3. Investment - Deposit Ratio

39.43

34.40

58.51

55.96

40.99

56.47

4. (Credit + Investment) - Deposit Ratio

115.57

117.17

158.75

157.37

115.79

133.76

5. Ratio of deposits to total liabilities

75.30

73.55

57.54

58.69

77.85

66.73

6. Ratio of demand & savings bank deposits to total deposits

27.15

27.30

30.04

32.18

10.34

15.04

7. Ratio of priority sector advances to total advances

35.76

35.67

29.79

31.47

26.30

25.92

8. Ratio of term loans to total advances

62.35

73.37

76.60

76.92

79.66

74.69

9. Ratio of secured advances to total advances

85.80

91.86

85.51

83.37

58.58

72.94

10. Ratio of investments in non-approved securities to total investments

26.04

18.32

22.91

23.09

42.92

41.71

11. Ratio of interest income to total assets

8.86

10.38

9.49

10.61

8.47

9.51

12. Ratio of net interest income to total assets (Net Interest Margin)

3.40

3.30

4.75

4.31

2.61

2.44

13. Ratio of non-interest income to total assets

1.76

1.96

1.77

1.68

1.31

1.29

14. Ratio of intermediation cost to total assets

2.49

2.60

3.52

3.15

1.43

1.41

15. Ratio of wage bills to intermediation cost

37.94

36.15

50.46

49.18

53.30

50.95

16. Ratio of wage bills to total expense

11.88

9.71

21.50

16.40

10.43

8.45

17. Ratio of wage bills to total income

8.89

7.62

15.77

12.61

7.77

6.63

18. Ratio of burden to total assets

0.73

0.64

1.75

1.47

0.12

0.11

19. Ratio of burden to interest income

8.21

6.18

18.44

13.87

1.40

1.20

20. Ratio of operating profits to total assets

2.67

2.66

3.00

2.84

2.50

2.32

21. Return on assets

1.46

1.57

1.77

1.83

1.58

1.57

22. Return on equity

17.91

18.26

14.39

14.65

21.13

23.07

23. Cost of deposits

5.99

8.02

5.64

7.39

6.31

8.08

24. Cost of borrowings

1.62

2.74

3.90

5.47

8.02

7.89

25. Cost of funds

5.35

7.19

5.20

6.82

6.54

8.05

26. Return on advances

12.14

13.77

12.83

14.23

10.57

12.24

27. Return on investments

6.12

7.67

6.46

6.75

7.08

7.93

28. Return on advances adjusted to cost of funds

6.79

6.58

7.63

7.41

4.03

4.19

29. Return on investments adjusted to cost of funds

0.77

0.47

1.26

-0.07

0.53

-0.12

30. Business per employee (in Rupees Million)

84.4

78.84

53.5

61.3

222.03

174.77

31. Profit per employee (in Rupees Million)

0.82

0.86

0.8

0.9

2.09

2.04

32. Capital adequacy ratio

15.89

13.85

19.92

17.52

16.50

17.90

33. Capital adequacy ratio - Tier I

12.29

11.37

17.99

15.74

9.70

9.90

34. Capital adequacy ratio - Tier II

3.60

2.48

1.93

1.78

6.80

8.00

35. Ratio of net NPA To net advances

0.28

0.27

0.72

0.61

0.03

0.05

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

OLD PRIVATE SECTOR BANKS

(In per cent)

Items

Catholic Syrian Bank

City Union Bank

Dhanlaxmi Bank

Federal Bank

2011

2012

2011

2012

2011

2012

2011

2012

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1. Cash - Deposit Ratio

6.73

6.47

8.15

4.99

6.41

7.35

6.82

4.95

2. Credit - Deposit Ratio

71.28

72.26

71.67

74.28

72.35

74.19

74.28

77.15

3. Investment - Deposit Ratio

30.83

29.66

28.00

28.07

29.05

36.94

33.80

35.56

4. (Credit + Investment) - Deposit Ratio

102.12

101.92

99.67

102.34

101.40

111.13

108.08

112.71

5. Ratio of deposits to total liabilities

88.77

88.03

88.51

89.05

87.82

80.43

83.59

80.72

6. Ratio of demand & savings bank deposits to total deposits

22.36

19.32

19.58

18.19

22.90

19.35

26.86

27.54

7. Ratio of priority sector advances to total advances

34.59

33.78

36.96

36.23

28.30

32.09

33.13

32.28

8. Ratio of term loans to total advances

36.65

31.05

40.57

35.33

74.93

80.09

42.70

37.66

9. Ratio of secured advances to total advances

90.78

96.07

96.89

96.81

88.12

89.59

78.80

77.19

10. Ratio of investments in non-approved securities to total investments

19.15

11.26

20.21

16.11

9.11

4.51

31.45

33.74

11. Ratio of interest income to total assets

8.70

9.83

9.32

10.30

8.11

9.63

8.52

9.92

12. Ratio of net interest income to total assets (Net Interest Margin)

2.83

2.81

3.21

3.03

2.37

1.71

3.67

3.49

13. Ratio of non-interest income to total assets

0.85

0.78

1.20

1.26

1.31

0.99

1.09

0.95

14. Ratio of intermediation cost to total assets

3.30

2.73

1.66

1.70

3.08

3.38

1.76

1.75

15. Ratio of wage bills to intermediation cost

73.43

71.36

46.96

43.71

58.49

56.02

57.46

55.54

16. Ratio of wage bills to total expense

26.43

19.98

10.01

8.28

20.44

16.75

15.29

11.86

17. Ratio of wage bills to total income

25.37

18.37

7.39

6.42

19.13

17.82

10.51

8.93

18. Ratio of burden to total assets

2.45

1.95

0.45

0.44

1.77

2.39

0.67

0.80

19. Ratio of burden to interest income

28.15

19.85

4.84

4.28

21.81

24.79

7.88

8.04

20. Ratio of operating profits to total assets

0.38

0.85

2.76

2.59

0.60

-0.68

3.00

2.69

21. Return on assets

0.14

0.24

1.67

1.71

0.23

-0.73

1.34

1.41

22. Return on equity

2.60

4.66

23.47

24.91

4.06

-14.70

11.98

14.37

23. Cost of deposits

6.32

7.64

6.73

7.97

5.95

8.35

5.47

7.25

24. Cost of borrowings

1.52

1.47

8.38

6.61

6.94

7.25

0.57

1.58

25. Cost of funds

6.20

7.36

6.74

7.95

6.00

8.25

5.26

6.89

26. Return on advances

11.24

12.41

12.00

12.98

9.94

12.07

10.76

12.02

27. Return on investments

6.24

6.88

7.18

7.40

7.12

7.84

6.29

8.24

28. Return on advances adjusted to cost of funds

5.05

5.05

5.26

5.03

3.94

3.82

5.49

5.13

29. Return on investments adjusted to cost of funds

0.04

-0.48

0.44

-0.55

1.12

-0.41

1.03

1.35

30. Business per employee (in Rupees Million)

53.70

67.50

78.10

84.70

58.92

59.29

92.30

101.10

31. Profit per employee (in Rupees Million)

0.05

0.10

0.80

0.80

0.07

-0.33

0.70

0.90

32. Capital adequacy ratio

11.22

11.08

12.75

12.57

11.80

9.49

16.79

16.64

33. Capital adequacy ratio - Tier I

9.42

8.83

11.84

11.69

9.41

7.42

15.63

15.86

34. Capital adequacy ratio - Tier II

1.80

2.25

0.91

0.88

2.39

2.07

1.16

0.78

35. Ratio of net NPA to net advances

1.74

1.10

0.52

0.44

0.30

0.66

0.60

0.53

Source : Annual accounts of Banks.

TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

OLD PRIVATE SECTOR BANKS

(In per cent)

Items

ING Vysya Bank

Jammu & Kashmir Bank

Karnataka Bank

Karur Vysya Bank

2011

2012

2011

2012

2011

2012

2011

2012

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1. Cash - Deposit Ratio

7.23

5.63

6.66

5.22

7.10

5.39

6.79

5.98

2. Credit - Deposit Ratio

78.17

81.65

58.63

62.00

63.46

65.55

72.06

74.58

3. Investment - Deposit Ratio

36.62

36.13

44.09

40.54

42.09

40.63

31.27

32.72

4. (Credit + Investment) - Deposit Ratio

114.79

117.78

102.72

102.54

105.55

106.18

103.33

107.30

5. Ratio of deposits to total liabilities

77.39

74.88

88.45

88.51

86.25

87.02

87.59

85.32

6. Ratio of demand & savings bank deposits to total deposits

34.64

34.23

40.48

40.71

24.88

24.56

23.28

19.16

7. Ratio of priority sector advances to total advances

34.09

33.04

39.23

30.11

35.96

36.53

31.58

31.27

8. Ratio of term loans to total advances

63.61

56.58

75.11

74.32

44.54

45.05

29.59

22.54

9. Ratio of secured advances to total advances

87.10

88.76

82.27

83.56

92.53

93.52

94.66

94.45

10. Ratio of investments in non-approved securities to total investments

25.58

29.46

47.53

46.57

41.78

36.68

12.55

11.93

11. Ratio of interest income to total assets

7.39

8.97

7.98

8.73

8.08

9.15

8.84

9.93

12. Ratio of net interest income to total assets (Net Interest Margin)

2.76

2.81

3.32

3.32

2.09

2.19

3.06

2.79

13. Ratio of non-interest income to total assets

1.80

1.56

0.78

0.60

0.99

0.98

1.05

1.06

14. Ratio of intermediation cost to total assets

2.82

2.58

1.63

1.45

1.87

1.67

1.72

1.64

15. Ratio of wage bills to intermediation cost

59.03

58.64

68.99

65.00

62.86

57.19

53.30

48.82

16. Ratio of wage bills to total expense

22.32

17.32

17.88

13.72

14.96

11.06

12.20

9.13

17. Ratio of wage bills to total income

18.08

14.38

12.84

10.09

12.96

9.43

9.25

7.30

18. Ratio of burden to total assets

1.02

1.02

0.85

0.84

0.88

0.69

0.66

0.58

19. Ratio of burden to interest income

13.77

11.42

10.62

9.68

10.85

7.51

7.50

5.85

20. Ratio of operating profits to total assets

1.74

1.79

2.47

2.47

1.21

1.50

2.39

2.20

21. Return on assets

0.89

1.09

1.22

1.56

0.72

0.73

1.71

1.56

22. Return on equity

12.86

13.82

18.96

21.22

9.60

9.79

22.26

20.81

23. Cost of deposits

4.84

6.59

5.05

5.92

6.60

7.70

6.36

7.75

24. Cost of borrowings

1.22

5.01

4.20

3.54

0.65

1.86

4.40

5.12

25. Cost of funds

4.40

6.38

5.03

5.86

6.40

7.49

6.31

7.64

26. Return on advances

9.65

10.96

10.68

11.45

10.75

12.47

10.77

12.16

27. Return on investments

6.00

8.26

6.34

6.79

5.97

6.05

7.31

7.85

28. Return on advances adjusted to cost of funds

5.26

4.58

5.65

5.59

4.35

4.99

4.45

4.51

29. Return on investments adjusted to cost of funds

1.61

1.88

1.31

0.93

-0.42

-1.44

0.99

0.21

30. Business per employee (in Rupees Million)

67.48

55.98

85.60

88.60

77.10

85.90

92.60

98.40

31. Profit per employee (in Rupees Million)

0.45

0.46

0.80

0.90

0.40

0.40

0.91

0.88

32. Capital adequacy ratio

12.94

14.00

13.72

13.36

13.33

12.84

14.41

14.33

33. Capital adequacy ratio - Tier I

9.36

11.23

11.33

11.12

11.27

10.86

13.07

13.12

34. Capital adequacy ratio - Tier II

3.58

2.77

2.39

2.24

2.06

1.98

1.34

1.21

35. Ratio of net NPA to net advances

0.39

0.18

0.20

0.15

1.62

2.11

0.07

0.33

Source : Annual accounts of Banks.

TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND 2012 AS ON MARCH 31 (Contd.)

OLD PRIVATE SECTOR BANKS

(In per cent)

Items

Lakshmi Vilas Bank

Nainital Bank

Ratnakar Bank

South Indian Bank

2011

2012

2011

2012

2011

2012

2011

2012

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

1. Cash - Deposit Ratio

8.46

5.74

6.84

6.17

8.04

5.56

6.15

4.31

2. Credit - Deposit Ratio

72.60

72.19

59.41

55.07

93.29

87.19

68.94

74.74

3. Investment - Deposit Ratio

31.56

31.14

27.99

32.58

43.70

49.24

30.03

25.75

4. (Credit + Investment) - Deposit Ratio

104.16

103.33

87.40

87.66

136.99

136.43

98.96

100.49

5. Ratio of deposits to total liabilities

83.82

86.89

85.81

87.81

63.23

65.78

90.56

90.41

6. Ratio of demand & savings bank deposits to total deposits

18.81

14.91

42.93

36.76

34.54

21.51

21.55

19.67

7. Ratio of priority sector advances to total advances

35.71

34.33

48.04

49.52

26.74

20.42

30.25

18.76

8. Ratio of term loans to total advances

39.54

39.19

42.44

47.25

57.62

71.35

34.37

37.52

9. Ratio of secured advances to total advances

85.14

87.36

92.10

94.82

88.95

89.35

89.63

93.16

10. Ratio of investments in non-approved securities to total investments

15.42

19.04

26.46

36.73

43.47

38.69

23.77

12.62

11. Ratio of interest income to total assets

8.95

10.28

8.32

9.43

7.12

8.91

8.38

9.79

12. Ratio of net interest income to total assets (Net Interest Margin)

3.07

2.51

3.76

3.88

3.58

3.58

2.71

2.79

13. Ratio of non-interest income to total assets

1.15

1.07

0.37

0.62

0.70

1.29

0.67

0.68

14. Ratio of intermediation cost to total assets

1.92

1.99

1.81

1.99

3.55

2.67

1.59

1.69

15. Ratio of wage bills to intermediation cost

50.97

48.09

62.49

68.21

76.49

60.50

62.66

60.61

16. Ratio of wage bills to total expense

12.53

9.80

17.77

18.03

38.34

20.16

13.69

11.77

17. Ratio of wage bills to total income

9.68

8.42

13.03

13.53

34.78

15.81

10.97

9.77

18. Ratio of burden to total assets

0.77

0.92

1.45

1.38

2.86

1.38

0.91

1.01

19. Ratio of burden to interest income

8.56

8.94

17.36

14.60

40.12

15.47

10.87

10.33

20. Ratio of operating profits to total assets

2.30

1.59

2.32

2.51

0.72

2.20

1.80

1.78

21. Return on assets

0.91

0.73

1.56

1.75

0.53

1.38

1.05

1.12

22. Return on equity

12.40

11.56

16.24

17.74

1.71

5.90

17.56

19.99

23. Cost of deposits

6.59

8.40

5.26

6.37

5.16

7.25

6.15

7.61

24. Cost of borrowings

6.36

13.40

8.94

4.11

6.11

4.28

2.68

4.03

25. Cost of funds

6.58

8.64

5.26

6.37

5.16

6.80

6.11

7.56

26. Return on advances

11.60

12.98

10.88

12.33

8.72

11.51

10.63

12.01

27. Return on investments

7.07

8.19

7.69

7.74

6.29

6.78

5.99

6.78

28. Return on advances adjusted to cost of funds

5.03

4.34

5.61

5.96

3.56

4.71

4.52

4.45

29. Return on investments adjusted to cost of funds

0.49

-0.45

2.42

1.37

1.12

-0.02

-0.12

-0.78

30. Business per employee (in Rupees Million)

71.90

78.70

58.50

65.60

43.50

66.90

91.80

107.90

31. Profit per employee (in Rupees Million)

0.39

0.35

0.60

0.80

0.10

0.50

0.50

0.70

32. Capital adequacy ratio

13.19

13.10

16.35

15.09

56.41

23.20

14.01

14.00

33. Capital adequacy ratio - Tier I

10.78

8.86

15.80

14.62

55.93

22.83

11.27

11.54

34. Capital adequacy ratio - Tier II

2.41

4.24

0.55

0.47

0.48

0.37

2.74

2.46

35. Ratio of net NPA to net advances

0.90

1.74

-

-

0.36

0.20

0.29

0.28

Source : Annual accounts of Banks.


TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2011 AND
2012 AS ON MARCH 31 (Contd.)

OLD PRIVATE SECTOR BANKS

(In per cent)

Items

Tamilnad Mercantile
Bank

2011

2012

(25)

(26)

1. Cash - Deposit Ratio

6.22

4.07

2. Credit - Deposit Ratio

78.00

80.53

3. Investment - Deposit Ratio

27.31

28.58

4. (Credit + Investment) - Deposit Ratio

105.31

109.11

5. Ratio of deposits to total liabilities

85.58

84.25

6. Ratio of demand & savings bank deposits to total deposits

24.22

20.63

7. Ratio of priority sector advances to total advances

42.79

42.73

8. Ratio of term loans to total advances

40.79

37.76

9. Ratio of secured advances to total advances

96.82

96.73

10. Ratio of investments in non-approved securities to total investments

11.02

9.93

11. Ratio of interest income to total assets

9.23

10.34

12. Ratio of net interest income to total assets (Net Interest Margin)

3.66

3.57

13. Ratio of non-interest income to total assets

1.27

1.27

14. Ratio of intermediation cost to total assets

2.01

1.92

15. Ratio of wage bills to intermediation cost

65.43

61.00

16. Ratio of wage bills to total expense

17.33

13.47

17. Ratio of wage bills to total income

12.50

10.07

18. Ratio of burden to total assets

0.74

0.64

19. Ratio of burden to interest income

8.00

6.24

20. Ratio of operating profits to total assets

2.92

2.93

21. Return on assets

1.74

1.75

22. Return on equity

19.96

20.89

23. Cost of deposits

6.44

7.80

24. Cost of borrowings

0.49

1.95

25. Cost of funds

6.42

7.71

26. Return on advances

11.33

12.52

27. Return on investments

7.87

7.90

28. Return on advances adjusted to cost of funds

4.92

4.81

29. Return on investments adjusted to cost of funds

1.46

0.19

30. Business per employee (in Rupees Million)

95.92

106.88

31. Profit per employee (in Rupees Million)

0.99

1.10

32. Capital adequacy ratio

15.13

14.69

33. Capital adequacy ratio - Tier I

14.46

13.98

34. Capital adequacy ratio - Tier II

0.67

0.71

35. Ratio of net NPA to net advances

0.27

0.45

Source : Annual accounts of Banks.

RbiTtsCommonUtility

PLAYING
LISTEN

Related Assets

RBI-Install-RBI-Content-Global

RbiSocialMediaUtility

بھارت موبائل ایپلی کیشن کے ریزرو بینک کو انسٹال کریں اور تازہ ترین خبروں تک فوری رسائی حاصل کریں!

Scan Your QR code to Install our app

RbiWasItHelpfulUtility

یہ صفحہ مددگار تھا؟