(in per cent)

As on March 31

Ratios

 Deutsche Bank

 Hongkong &
Shanghai Banking 

 ING Bank

 J P Morgan
Chase Bank

2003

2004

2003

2004

2003

2004

2003

2004

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

 1.  Cash-deposit ratio

8.21

13.22

7.16

4.49

30.91

0

4.23

56.47

 2.  Credit-deposit ratio

82.65

82.85

64.07

59.18

285.4

0

0

0

 3.  Investment-deposit ratio

126.4

89.92

69.29

63.89

557.4

0

285.1

75.39

 4.  (Credit+Investment)-deposit ratio

209.1

172.76

133.4

123.1

842.8

0

285.1

75.39

 5.  Ratio of deposits to total liabilities

33.29

29.46

61.22

64.16

5.24

0

30.19

56.95

 6.  Ratio of term deposits to total deposits

39.41

40.95

66.1

53.77

96.13

0

52.47

79.51

 7.  Ratio of priority sector advances to total advances

21.44

23.49

15.91

14.72

0

0

0

0

 8.  Ratio of term loan to total advances

7.58

4.42

36.73

40.7

77.35

100

0

0

 9.  Ratio of secured advances to total advances

60.26

62.09

74.31

68.72

70.81

100

0

0

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

11.61

10.74

18.58

14.4

0

100

3.87

6.3

 11. Ratio of interest income to total assets

5.86

4.17

7.39

6.11

5.84

1.09

4.78

5.74

 12. Ratio of net interest margin to total assets

2.73

1.01

3.01

2.99

1.19

0.29

3.53

4.35

 13. Ratio of non-interest income to total assets

6.28

8.38

2.41

3.05

2.19

1.9

4.38

3.18

 14. Ratio of intemediation cost to total assets

2.89

2.38

3.07

2.7

6.27

1.77

2.72

3.57

 15. Ratio of wage bills to intemediation cost

37.54

37

38.12

37.08

57.99

14.49

57.24

53.38

 16. Ratio of wage bills to total expense

18.04

15.89

15.69

17.18

33.32

9.96

39.26

38.39

 17. Ratio of wage bills to total income

8.95

7.02

11.94

10.92

45.33

8.58

17.01

21.36

 18. Ratio of burden to total assets

-3.39

-5.99

0.66

-0.35

4.09

-0.13

-1.66

0.39

 19. Ratio of burden to interest income

-57.8

-143.82

8.95

-5.74

70.01

-11.8

-34.71

6.79

 20. Ratio of operating profits to total assets

6.12

7

2.35

2.49

-2.89

0.41

5.19

3.96

 21. Return on assets

2.92

3.17

0.8

0.91

-8.41

-0.05

3.1

2.34

 22. Return on equity

22.14

31.04

8.52

8.33

-40.51

-0.07

9.38

7.62

 23. Cost of deposits

2.39

1.48

4.76

3.45

6.21

22.31

2.25

2.29

 24. Cost of borrowings

5.26

5.25

7.41

6.67

6.6

0

1.38

1.22

 25. Cost of funds

3.87

3.83

5.32

3.98

6.43

2.16

1.79

1.98

 26. Return on advances

8.52

5.01

9.6

8.4

13.37

6.21

0

0

 27. Return on investments

7.38

6.14

8.78

6.58

6.61

0.6

4.93

7.87

 28. Return on advances adjusted to cost of funds

4.65

1.17

4.28

4.42

6.93

4.05

0

0

 29. Return on investments adjusted to cost of funds

3.51

2.31

3.46

2.6

0.17

-1.56

3.15

5.9

 30. Business per employee (in Rs.lakh)

894.2

1,099.23

622.8

820.9

299.1

0

364.08

259.3

 31. Profit per employee (in Rs.lakh)

43.31

65.23

4.5

6.32

-50.62

-5.21

37.37

28.74

 32. Capital adequacy ratio

17.35

14.42

18.1

14.54

20.72

56.91

72.95

34.83

 33. Capital adequacy ratio - Tier I

15.16

9.32

14.5

11.17

20.54

56.91

69.97

32.99

 34. Capital adequacy ratio - Tier II

2.19

5.1

3.6

3.37

0.18

0

2.98

1.84

 35. Ratio of net NPA to net advances

32.1

0

1.03

0.7

0

0.09

0

0

Source : Compiled from annual accounts of banks of respective years

TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

FOREIGN BANKS

(in per cent)

As on March 31

Ratios

 Krung Thai
Bank

 Mashreq
Bank

 Mizuho Corporate
Bank

 Oman International
Bank

2003

2004

2003

2004

2003

2004

2003

2004

(49)

(50)

(51)

(52)

(53)

(54)

(55)

(56)

 1.  Cash-deposit ratio

4.02

4.96

3.43

3.57

1.83

10.01

7.53

8.3

 2.  Credit-deposit ratio

72.8

93.91

13.91

6.24

131.34

354.73

7.82

6.09

 3.  Investment-deposit ratio

47.88

51.19

78.78

73.9

45.49

63.55

30.98

49.48

 4.  (Credit+Investment)-deposit ratio

120.7

145.1

92.69

80.14

176.83

418.28

38.8

55.57

 5.  Ratio of deposits to total liabilities

28.95

28.87

81.2

81.29

45.76

17.49

62.27

54.12

 6.  Ratio of term deposits to total deposits

24.49

43.82

92.26

92.2

95.99

73.45

87.73

80.11

 7.  Ratio of priority sector advances to total advances

11.89

34.65

56.89

60.05

6.9

0.31

38.15

35.53

 8.  Ratio of term loan to total advances

0

6.35

9.94

11.3

9.86

11.01

48.07

22.57

 9.  Ratio of secured advances to total advances

88.11

87.77

81.5

70.5

86.57

84.8

93.09

100

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

18.25

16.57

64.88

62.51

4.62

0

0

0

 11. Ratio of interest income to total assets

7.66

5.86

10.11

9.71

7.84

6.63

3.82

3.84

 12. Ratio of net interest margin to total assets

7.29

5.35

2.84

2.33

2.48

4.38

-1.59

-0.34

 13. Ratio of non-interest income to total assets

0.48

0.28

2.11

0.69

1.13

1.01

1.61

1.21

 14. Ratio of intemediation cost to total assets

4.71

3.97

1.7

1.24

2.47

2.53

1.27

1.03

 15. Ratio of wage bills to intemediation cost

21.26

24.09

24.04

29.29

41.81

44.23

42.05

27.12

 16. Ratio of wage bills to total expense

19.71

21.38

4.55

4.22

13.19

23.42

7.97

5.37

 17. Ratio of wage bills to total income

12.32

15.57

3.34

3.5

11.51

14.63

9.8

5.54

 18. Ratio of burden to total assets

4.24

3.69

-0.41

0.55

1.34

1.51

-0.35

-0.18

 19. Ratio of burden to interest income

55.32

62.92

-4.08

5.67

17.09

22.85

-9.1

-4.76

 20. Ratio of operating profits to total assets

3.05

1.67

3.26

1.78

1.14

2.87

-1.25

-0.16

 21. Return on assets

-0.73

1.37

3.24

1.76

0.31

2.41

2.19

0.49

 22. Return on equity

-1.04

2

27.48

11.64

1.28

6.04

-6.83

-1.36

 23. Cost of deposits

1.54

1.73

9.04

9.05

7.57

2.71

7.92

6.68

 24. Cost of borrowings

0

0.52

1.92

3.03

3.93

4.07

9.77

4.82

 25. Cost of funds

1.83

1.71

8.37

8.98

6.08

3.33

8.02

6.51

 26. Return on advances

7.7

9.81

18.07

21.79

9.13

7.47

7.14

6.09

 27. Return on investments

9.24

6.91

9.71

11.02

7.79

5.52

8.32

7.31

 28. Return on advances adjusted to cost of funds

5.88

8.09

9.7

12.81

3.05

4.14

-0.88

-0.42

 29. Return on investments adjusted to cost of funds

7.42

5.2

1.34

2.04

1.71

2.19

0.31

0.8

 30. Business per employee (in Rs.lakh)

251.7

291.03

820.5

865.85

486.66

527.8

1,355.31

1,233.79

 31. Profit per employee (in Rs.lakh)

-3.66

7.12

65.82

50.53

2.21

16.06

-26.81

-5.61

 32. Capital adequacy ratio

119.9

115.98

39.38

54.71

18.5

36.09

14.62

16.48

 33. Capital adequacy ratio - Tier I

118.4

114.54

37.42

53.15

18.19

35.41

14.18

16.25

 34. Capital adequacy ratio - Tier II

1.45

1.44

1.96

1.56

0.31

0.68

0.44

0.23

 35. Ratio of net NPA to net advances

0

0

0

0

0.76

0

41.15

61.37

Source : Compiled from annual accounts of banks of respective years

TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

FOREIGN BANKS

(in per cent)

As on March 31

Ratios

 Oversea Chinese
Bank #

 Societe
Generale

 Sonali Bank

 Standard
Chartered Bank

2003

2004

2003

2004

2003

2004

2003

2004

(57)

(58)

(59)

(60)

(61)

(62)

(63)

(64)

 1.  Cash-deposit ratio

21,228.57

0

9

5.37

10.9

11.52

6.43

5.19

 2.  Credit-deposit ratio

426,900.00

0

67.87

41.42

21.36

19.7

72.44

80.97

 3.  Investment-deposit ratio

142,657.14

0

215.9

111.38

18.68

22.1

56.79

50.52

 4.  (Credit+Investment)-deposit ratio

569,557.14

0

283.8

152.79

40.04

41.8

129.23

131.5

 5.  Ratio of deposits to total liabilities

0

0

22.89

56.18

77.71

80.85

61.42

58.08

 6.  Ratio of term deposits to total deposits

0

0

84.44

93.04

20.46

21.62

63.19

55.17

 7.  Ratio of priority sector advances to total advances

0

0

17.17

13.26

7.94

1.82

21.21

24.61

 8.  Ratio of term loan to total advances

0

0

12.31

54.86

0

0

61.36

45.56

 9.  Ratio of secured advances to total advances

38.15

0

80.21

74.8

37.2

39.52

62.77

68.58

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

0

0

22.16

3.27

17.19

29.87

35.69

30.31

 11. Ratio of interest income to total assets

5.36

0

5.65

4.58

4.09

3.82

9.48

7.93

 12. Ratio of net interest margin to total assets

5.36

0

1.96

2.13

1.13

1.38

4.7

4.56

 13. Ratio of non-interest income to total assets

0.15

0

1.61

3.11

7.3

11.77

2.32

2.2

 14. Ratio of intemediation cost to total assets

5.96

0

3

2.28

6.21

6.99

2.4

2.43

 15. Ratio of wage bills to intemediation cost

32.86

0

47.29

43.79

54.21

53.47

28.51

28.44

 16. Ratio of wage bills to total expense

32.81

0

21.27

21.13

36.73

39.67

9.53

11.94

 17. Ratio of wage bills to total income

35.5

0

19.57

12.98

29.58

23.97

5.8

6.84

 18. Ratio of burden to total assets

5.81

0

1.39

-0.83

-1.09

-4.78

0.08

0.24

 19. Ratio of burden to interest income

108.26

0

24.61

-18.19

-26.6

-125.4

0.81

3

 20. Ratio of operating profits to total assets

-0.45

0

0.58

2.97

2.21

6.17

4.6

4.33

 21. Return on assets

0

0

-1.44

2.14

1.23

3.34

2.92

1.74

 22. Return on equity

-0.25

0

-8.52

10.34

11.13

25.41

39.26

21.56

 23. Cost of deposits

1.38

0

4.91

2.46

2.75

2.02

6.65

3.77

 24. Cost of borrowings

0

0

4.64

4.41

0.64

0

4.13

3.83

 25. Cost of funds

1.42

0

4.73

3.31

2.74

2.02

5.75

3.78

 26. Return on advances

0

0

8.84

5.08

7.57

8.85

13.23

10.47

 27. Return on investments

10.88

0

6.39

5.06

12.89

8.55

8.8

8.8

 28. Return on advances adjusted to cost of funds

-1.42

0

4.11

1.77

4.83

6.83

7.49

6.69

 29. Return on investments adjusted to cost of funds

9.46

0

1.66

1.76

10.15

6.53

3.05

5.02

 30. Business per employee (in Rs.lakh)

99.63

0

351.5

1,017.00

76.62

74.54

840.54

780.1

 31. Profit per employee (in Rs.lakh)

0

0

-13.6

25.4

1.05

2.57

25.15

13.4

 32. Capital adequacy ratio

385.49

0

32.63

32.71

46.86

60.55

10.56

10.87

 33. Capital adequacy ratio - Tier I

384.84

0

31.19

30.2

46.42

59.94

6.81

7.11

 34. Capital adequacy ratio - Tier II

0.65

0

1.44

2.51

0.44

0.61

3.75

3.76

 35. Ratio of net NPA to net advances

100

0

0

1.37

6.77

1.47

0.31

0.52

# : See 'Explanatory Notes'.

Source : Compiled from annual accounts of banks of respective years

TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

FOREIGN BANKS

(per cent)

As on March 31

Ratios

 State Bank of
Mauritius

 Sumitomo Mitsui
Bank

 Toronto-Dominion
Bank #

 UFJ Bank

2003

2004

2003

2004

2003

2004

2003

2004

(65)

(66)

(67)

(68)

(69)

(70)

(71)

(72)

 1.  Cash-deposit ratio

6.12

6.03

35.95

15.04

0

0

10.81

10.61

 2.  Credit-deposit ratio

159.07

145.86

186.8

132.1

0

0

150.49

153.65

 3.  Investment-deposit ratio

67.86

62.14

122.17

132.49

0

0

65.13

73.78

 4.  (Credit+Investment)-deposit ratio

226.93

208

308.97

264.59

0

0

215.62

227.42

 5.  Ratio of deposits to total liabilities

38.96

41.38

25.8

24.89

0

0

32.06

19.24

 6.  Ratio of term deposits to total deposits

87.26

91.18

43.66

46.26

0

0

70.52

51.57

 7.  Ratio of priority sector advances to total advances

15.48

18.8

28.83

15.14

0

0

14.58

17.07

 8.  Ratio of term loan to total advances

56.17

71.87

1.49

72.21

100

0

18.47

17.85

 9.  Ratio of secured advances to total advances

79.12

74.15

83.68

78.9

100

0

89.87

97.31

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

23.22

7.76

38.24

38.93

0

0

26.64

44.8

 11. Ratio of interest income to total assets

6.23

7.05

9.43

7.61

8.62

0

6.32

4.9

 12. Ratio of net interest margin to total assets

2.55

3.1

4.93

5.55

8.59

0

3.49

4.24

 13. Ratio of non-interest income to total assets

2.89

3.44

1.17

1.04

-0.25

0

0.83

1.12

 14. Ratio of intemediation cost to total assets

1.23

1.12

2.11

2.42

4.08

0

1.72

1.76

 15. Ratio of wage bills to intemediation cost

32.57

34.94

32.02

41.66

42.84

0

29.49

32.1

 16. Ratio of wage bills to total expense

8.18

7.71

10.21

22.53

42.57

0

11.15

23.32

 17. Ratio of wage bills to total income

4.41

3.73

6.37

11.68

20.87

0

7.1

9.38

 18. Ratio of burden to total assets

-1.65

-2.33

0.94

1.38

4.33

0

0.89

0.64

 19. Ratio of burden to interest income

-26.55

-33

9.98

18.2

50.2

0

14.14

12.99

 20. Ratio of operating profits to total assets

4.2

5.42

3.99

4.17

4.27

0

2.6

3.6

 21. Return on assets

1.18

1.33

0.2

-13.71

1.45

0

0.31

1.75

 22. Return on equity

3.7

4.88

-26.7

-41.57

1.5

0

0.76

2.7

 23. Cost of deposits

7.2

5.62

5.98

3.13

0

0

5.33

2.22

 24. Cost of borrowings

2.37

5.8

6.79

4.56

0

0

3.96

0.48

 25. Cost of funds

5.4

5.69

6.45

3.87

0

0

4.95

1.8

 26. Return on advances

6.88

6.33

13.33

10.83

23.8

0

7.2

6.91

 27. Return on investments

7.43

10.55

7.27

6.01

9.68

0

7.59

4.74

 28. Return on advances adjusted to cost of funds

1.48

0.63

6.88

6.96

0

0

2.25

5.11

 29. Return on investments adjusted to cost of funds

2.02

4.86

0.82

2.13

0

0

2.63

2.94

 30. Business per employee (in Rs.lakh)

1,124.00

1,523.00

447.18

297.32

256.61

0

892.4

535.72

 31. Profit per employee (in Rs.lakh)

12

20

0.15

-70.55

15.53

0

3.06

17.35

 32. Capital adequacy ratio

31.74

35.08

35.49

52.3

324.62

0

67.68

121.69

 33. Capital adequacy ratio - Tier I

31.13

33.73

27.73

42.85

323.44

0

67.07

120.61

 34. Capital adequacy ratio - Tier II

0.61

1.35

7.76

9.45

1.18

0

0.61

1.08

 35. Ratio of net NPA to net advances

14.2

4.64

19.81

12.78

0

0

8.58

0

# : See 'Explanatory Notes'.

Source : Compiled from annual accounts of banks of respective years

TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

OTHER SCHEDULED COMMERCIAL BANKS

(per cent)

As on March 31

Rat65

 Bank of Punjab

 Bank
of Rajasthan

 Bharat
Overseas Bank

 Catholic
Syrian Bank

2003

2004

2003

2004

2003

2004

2003

2004

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

 1.  Cash-deposit ratio

11.31

7.8

7.15

4.4

4.33

5.12

6.09

4.33

 2.  Credit-deposit ratio

50.06

56.89

41.92

32.8

53.65

56.3

42

48.92

 3.  Investment-deposit ratio

41.37

38

49.87

58.8

37.78

37.9

51.6

46.87

 4.  (Credit+Investment)-deposit ratio

91.43

94.89

91.78

91.6

91.44

94.2

93.6

95.79

 5.  Ratio of deposits to total liabilities

83.74

85.48

86.45

87.6

88.07

87.7

90.8

90.09

 6.  Ratio of term deposits to total deposits

68.34

61.56

63.93

70.2

78.15

74.7

77.6

73.68

 7.  Ratio of priority sector advances to total advances

15.79

18.85

22.33

32.1

22.71

21

20.8

26.89

 8.  Ratio of term loan to total advances

58.45

58.63

42.81

46.7

27.59

35.4

44.3

49.54

 9.  Ratio of secured advances to total advances

88.94

89.52

88.47

93.2

87.51

88.3

95.7

95.94

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

25.79

27.54

21.01

13.2

27.49

29.5

12.9

11.08

 11. Ratio of interest income to total assets

8.65

7.45

8.65

6.9

7.74

7.55

9.45

8.74

 12. Ratio of net interest margin to total assets

2.42

2.81

3.31

2.6

2.66

3.25

2.44

2.99

 13. Ratio of non-interest income to total assets

3.3

2.9

2.31

2.43

1.58

1.2

3.41

2.91

 14. Ratio of intemediation cost to total assets

3.06

3.45

2.9

2.49

2.07

2.29

2.8

2.88

 15. Ratio of wage bills to intemediation cost

13.28

13.2

65.43

64

45.64

46

75.6

72.1

 16. Ratio of wage bills to total expense

4.37

5.63

23.05

23.5

13.22

16

21.6

24.08

 17. Ratio of wage bills to total income

3.4

4.41

17.33

17.1

10.15

12

16.5

17.84

 18. Ratio of burden to total assets

-0.24

0.55

0.59

0.06

0.49

1.08

-0.61

-0.03

 19. Ratio of burden to interest income

-2.79

7.41

6.83

0.9

6.38

14.4

-6.44

-0.29

 20. Ratio of operating profits to total assets

2.66

2.26

2.72

2.54

2.17

2.16

3.05

3.02

 21. Return on assets

0.79

0.85

1.12

0.82

1.17

1.25

1.17

1.31

 22. Return on equity

15.69

16.15

26.37

22.5

21.66

22.5

36.9

33.83

 23. Cost of deposits

6.74

4.98

6.21

4.86

5.66

4.76

7.52

6.2

 24. Cost of borrowings

10.93

5.68

7.61

0.96

2.56

5.16

3.74

1.84

 25. Cost of funds

6.86

5

6.21

4.8

5.56

4.76

7.51

6.19

 26. Return on advances

10.35

8.66

10.14

8.48

8.93

8.27

11.6

10.24