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Learn more about the various functions within The Reserve Bank of India
Back
(In per cent)
Ratios
As on March 31
ABN Amro Bank
Abu Dhabi Commercial Bank
American Express Bank
Antwerp Diamond Bank
2006
2007
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
1.
Cash-deposit ratio
6.41
10.08
4.48
6.95
11.77
6.49
56.51
44.41
2.
Credit-deposit ratio
127.05
114.93
25.86
42.94
89.26
59.80
795.36
696.96
3.
Investment-deposit ratio
40.67
40.05
30.98
30.30
43.83
73.53
266.36
292.54
4.
(Credit+Investment)-deposit ratio
167.73
154.98
56.84
73.24
133.09
133.33
1061.72
989.51
5.
Ratio of deposits to total liabilities
50.40
49.87
66.54
59.74
61.83
65.88
8.21
8.68
6.
Ratio of term deposits to total deposits
56.64
62.28
71.83
70.51
61.22
69.96
18.85
18.16
7.
Ratio of priority sector advances to total advances
36.77
32.63
16.86
10.04
19.80
6.07
99.73
99.74
8.
Ratio of term loan to total advances
37.27
51.15
12.85
19.52
57.88
38.57
0.27
0.26
9.
Ratio of secured advances to total advances
65.97
65.10
99.83
99.87
31.89
17.65
99.95
99.93
10.
Ratio of investments in non-approved securities
1.11
0.16
5.93
2.35
27.21
51.08
0.00
to total investments
11.
Ratio of interest income to total assets
7.07
8.18
8.44
6.29
7.77
7.51
5.63
6.55
12.
Ratio of net interest margin to total assets
3.68
4.44
0.78
1.94
3.14
3.18
2.36
2.67
13.
Ratio of non-interest income to total assets
3.15
2.71
0.58
2.08
9.09
9.86
0.77
1.13
14.
Ratio of intermediation cost to total assets
3.84
3.49
1.06
2.55
9.02
8.82
1.10
0.91
15.
Ratio of wage bills to intermediation cost
34.14
34.47
23.15
27.67
39.48
40.31
39.36
46.00
16.
Ratio of wage bills to total expense
18.14
16.65
2.82
10.22
26.09
27.03
9.94
8.78
17.
Ratio of wage bills to total income
12.83
11.05
2.72
8.42
21.12
20.47
6.79
5.48
18.
Ratio of burden to total assets
0.69
0.48
0.47
-0.08
-1.04
0.34
-0.22
19.
Ratio of burden to interest income
9.81
9.55
5.73
7.43
-0.97
-13.84
5.99
-3.33
20.
Ratio of operating profits to total assets
2.99
3.66
0.30
1.47
3.21
4.22
2.02
2.89
21.
Return on assets
1.03
1.37
0.35
0.23
1.45
1.28
1.21
1.70
22.
Return on equity
16.47
21.63
6.23
2.50
15.13
12.29
7.48
23.
Cost of deposits
2.18
9.31
4.72
6.27
5.91
0.67
1.01
24.
Cost of borrowings
1.87
5.96
3.30
4.15
5.11
25.
Cost of funds
3.78
3.81
8.52
5.06
5.72
5.38
3.76
4.60
26.
Return on advances
8.07
10.11
7.18
8.83
10.58
10.94
5.52
7.11
27.
Return on investments
8.63
9.59
11.79
7.56
4.36
4.53
6.98
6.77
28.
Return on advances adjusted to cost of funds
4.29
6.30
-1.33
4.85
5.56
1.76
2.51
29.
Return on investments adjusted to cost of funds
4.86
5.79
3.28
-1.36
-0.85
3.22
30.
Business per employee (in Rs.lakh)
905.82
1011.88
1720.49
1865.72
239.32
216.75
2308.40
2071.57
31.
Profit per employee (in Rs.lakh)
8.15
11.36
12.06
4.80
2.59
41.22
55.63
32.
Capital adequacy ratio
10.44
11.34
36.98
27.66
10.26
13.00
39.67
46.48
33.
Capital adequacy ratio - Tier I
7.33
36.32
27.18
10.07
12.18
26.28
33.28
34.
Capital adequacy ratio - Tier II
3.26
4.01
0.66
0.19
0.82
13.39
13.20
35.
Ratio of net NPA to net advances
0.11
0.12
15.97
0.63
Source : Annual accounts of banks of respective years.
Arab Bangladesh Bank
Bank International Indonesia
Bank of America
Bank of Bahrain& Kuwait
(9)
(10)
(11)
(12)
(13)
(14)
(15)
(16)
4.08
10.80
19.26
14.35
4.50
5.47
160.63
134.73
47.50
5.95
159.96
107.29
51.70
46.91
38.56
37.39
109.25
120.61
78.99
69.40
39.58
29.90
199.19
172.12
156.75
126.56
238.95
176.69
91.28
76.82
31.41
34.53
12.79
10.37
35.31
43.02
73.29
77.55
26.88
19.78
49.60
21.42
36.12
73.20
78.49
36.09
28.21
20.36
22.44
22.89
22.47
34.07
40.99
0.55
2.03
41.56
42.18
34.20
29.74
2.05
99.66
13.60
17.97
91.46
86.97
Ratio of investments in non-approved securities to total investments
17.74
15.73
24.30
35.73
21.49
28.70
2.61
6.52
7.00
5.53
6.57
4.96
5.75
2.54
3.23
3.50
4.06
1.72
2.79
3.46
3.98
0.89
0.97
3.37
6.00
2.21
2.34
1.97
2.28
2.22
27.96
19.08
23.36
49.13
55.67
43.31
40.34
23.99
16.93
19.22
15.21
21.31
24.29
15.94
15.45
8.20
8.48
14.85
6.85
10.14
11.54
14.97
12.55
-2.59
-0.98
1.66
-1.16
-1.50
-1.70
1.33
1.38
-47.05
-15.08
50.28
-25.76
-24.66
-24.30
24.09
20.98
7.55
6.73
0.88
4.39
5.00
5.76
0.39
1.41
3.43
3.42
-1.28
2.41
3.10
-1.32
-1.90
6.34
5.17
-1.54
6.65
9.58
11.64
-8.67
-9.25
1.25
1.71
3.19
3.87
2.27
2.78
4.56
1.61
4.07
6.22
3.27
11.32
2.31
2.07
3.99
5.02
4.35
4.59
8.34
9.20
10.21
22.26
6.15
6.94
7.89
9.98
5.20
5.31
8.25
8.01
10.45
5.45
6.44
6.64
6.88
8.14
18.26
2.13
1.92
3.54
3.24
4.25
5.43
1.85
193.03
209.48
148.00
97.00
1924.81
1920.89
728.00
704.00
11.04
8.80
-7.66
51.82
69.09
-10.00
-11.00
86.21
100.37
108.87
141.24
23.40
13.33
20.01
22.00
84.99
98.55
108.67
139.98
17.67
11.75
18.77
20.75
1.22
1.82
0.20
1.26
1.58
1.24
1.29
Bank of Ceylon
Bank of Nova Scotia
Bank of Tokyo Mitsubishi UFJ
Barclays Bank
(17)
(18)
(19)
(20)
(21)
(22)
(23)
(24)
9.10
4.62
7.75
11.87
8.53
1.07
2.42
55.88
47.33
103.65
149.73
131.78
165.39
1.20
17.10
34.84
35.68
41.65
55.22
57.22
54.39
162.04
132.87
90.72
83.01
145.30
204.95
189.00
219.78
163.24
149.97
49.10
52.19
63.62
45.00
41.17
39.95
19.21
32.34
60.60
60.23
94.49
92.78
35.91
34.93
97.99
99.18
53.57
53.69
32.04
37.94
20.34
22.48
17.40
23.07
15.62
12.50
6.82
16.76
25.50
100.00
6.18
93.38
95.32
70.15
64.20
31.52
19.62
86.06
6.75
7.94
8.97
21.73
18.25
33.19
59.70
5.98
5.22
6.51
4.67
5.50
3.64
1.54
2.09
3.70
2.66
2.40
2.01
1.39
1.86
2.38
16.63
8.69
1.42
1.56
0.96
0.98
5.12
36.65
34.39
39.65
38.77
60.99
52.70
65.73
64.87
13.99
13.78
7.06
35.75
24.60
42.58
41.75
6.62
6.72
5.77
22.35
12.45
11.37
23.43
-0.99
-0.45
-0.43
-0.87
0.40
-0.35
-12.95
-3.56
-18.22
-7.54
-8.23
-13.42
7.64
-5.84
-277.40
-64.73
4.13
4.09
1.96
2.96
2.84
4.05
0.25
0.83
1.73
0.02
2.11
9.64
4.45
0.81
11.30
0.07
8.19
5.92
3.45
0.59
0.37
1.51
9.52
5.55
4.18
5.23
2.74
2.49
6.70
9.32
8.35
5.40
6.78
5.90
6.86
19.77
25.74
4.40
6.76
4.95
10.47
5.34
4.17
1.18
3.16
4.37
13.08
21.02
0.43
2.46
2.00
1.53
3.51
3.77
587.10
579.18
2040.25
2311.12
1113.29
1780.52
148.51
280.54
1.64
9.41
16.50
39.10
35.42
271.00
36.28
56.37
63.21
13.71
23.26
33.38
30.71
22.92
13.68
56.10
62.82
13.19
22.57
28.03
26.47
22.15
0.52
5.35
4.24
23.74
14.96
1.00
BNP Paribas
Calyon Bank
Chinatrust Commercial Bank
Citibank
(25)
(26)
(27)
(28)
(29)
(30)
(31)
(32)
9.16
16.17
6.71
8.45
9.06
100.34
111.62
271.97
129.50
125.96
112.67
87.62
86.76
59.98
53.37
114.78
122.34
43.77
40.00
37.82
42.30
160.32
164.99
386.75
251.85
169.73
152.67
125.43
129.06
49.48
19.86
23.42
46.81
54.26
61.43
57.08
69.34
70.64
51.97
77.01
46.43
51.83
41.30
51.57
29.32
29.66
22.29
30.16
31.32
23.73
26.76
66.04
61.92
23.10
30.75
31.80
32.76
67.57
66.68
57.00
51.50
45.35
51.38
39.90
64.65
57.47
50.49
8.38
7.85
23.38
48.04
22.88
19.00
13.57
10.62
6.68
7.63
6.91
6.16
6.60
7.73
7.84
3.29
1.34
2.81
4.14
2.69
4.81
5.70
5.85
0.72
2.63
3.12
3.05
2.64
2.33
3.85
3.31
48.00
50.96
53.11
59.75
32.77
34.80
22.58
30.32
23.01
21.84
17.80
27.09
18.57
12.99
15.83
16.89
14.98
11.82
14.77
12.67
11.07
0.94
-0.19
-2.89
-2.80
1.98
14.02
-2.53
-41.88
-43.20
32.09
24.34
15.72
11.56
3.48
5.61
2.17
1.08
3.90
4.30
-1.71
3.07
10.24
14.56
11.98
-6.53
18.43
16.44
3.41
9.90
3.03
3.34
2.86
6.20
7.76
5.62
6.87
9.28
5.46
8.90
5.41
3.02
3.04
6.46
7.96
7.40
9.87
8.65
9.57
10.16
10.38
10.79
5.51
9.46
2.24
4.71
6.53
-0.72
2.10
0.28
6.43
1206.05
1353.26
1278.00
1629.00
980.00
1042.00
1607.92
1360.48
19.39
71.00
82.00
-16.00
3.00
21.71
17.33
11.61
10.76
15.10
38.01
22.14
11.33
11.06
7.78
7.38
14.70
11.50
37.16
21.57
10.77
10.12
3.83
3.38
5.10
3.60
0.85
0.57
0.56
1.80
0.95
1.02
DBS Bank
Deutsche Bank
Hongkong & Shanghai Banking Corpn.
J P Morgan Chase Bank
(33)
(34)
(35)
(36)
(37)
(38)
(39)
(40)
15.02
13.32
5.84
9.34
5.04
9.92
61.40
32.06
58.95
70.86
67.37
66.45
47.96
37.96
28.11
74.45
88.90
48.66
40.58
118.46
262.02
99.36
60.17
133.40
159.76
116.03
107.03
122.60
309.98
45.72
63.19
36.35
39.39
66.59
63.33
63.42
26.72
98.18
97.89
25.14
25.63
46.20
56.47
74.79
47.34
20.54
28.90
27.13
33.00
20.67
22.01
31.48
66.86
31.39
31.16
27.95
54.17
53.63
98.38
68.89
63.00
29.18
24.51
61.99
56.13
11.90
56.86
21.25
37.13
29.47
28.67
27.19
50.43
20.19
6.74
8.27
5.30
7.59
6.01
6.13
4.10
3.39
4.20
3.55
3.33
-0.38
1.83
4.87
2.62
4.82
1.60
1.55
58.02
62.02
34.91
51.19
41.16
38.94
46.44
55.96
22.76
14.52
19.50
31.45
22.77
22.05
19.95
15.55
9.84
14.04
23.44
13.48
13.07
8.71
8.75
-0.23
-0.78
0.61
-2.79
-2.22
-2.77
-14.76
10.61
-46.37
-36.28
2.85
3.91
4.16
6.33
0.73
1.04
1.23
2.53
8.99
13.42
13.30
16.38
17.99
12.16
1.88
3.53
2.91
4.91
24.38
6.03
5.66
2.80
1.12
4.33
7.52
4.00
3.25
3.44
2.68
3.88
8.89
8.72
10.60
0.03
5.82
15.93
14.23
7.81
9.18
6.48
7.15
-2.65
11.60
1.95
5.74
4.52
600.30
1003.02
1016.83
1143.53
975.65
979.68
1252.09
1121.88
12.24
39.84
12.07
14.32
88.94
82.15
31.33
29.24
12.74
11.76
16.14
20.80
22.84
11.14
9.73
9.80
10.01
11.74
15.99
10.53
6.40
1.05
0.15
0.01
Krung Thai Bank
Mashreq Bank
Mizuho Corporate Bank
Oman International Bank
(41)
(42)
(43)
(44)
(45)
(46)
(47)
(48)
7.54
8.16
7.88
5.27
31.95
21.24
143.12
93.08
239.23
245.40
74.96
45.04
172.88
79.44
66.52
60.33
56.54
53.82
106.92
66.27
316.00
172.51
305.76
305.73
60.35
54.74
42.61
52.47
24.20
25.26
27.99
47.30
48.42
51.16
28.52
51.66
86.14
72.72
76.71
77.02
16.45
99.01
99.58
20.69
30.99
35.23
12.10
0.99
0.42
25.69
32.85
94.48
95.07
96.61
99.97
99.99
53.00
32.67
36.40
13.06
17.84
25.97
20.68
5.87
9.62
7.69
6.02
3.89
4.31
5.68
2.52
3.97
8.04
7.95
1.57
-0.17
-0.10
3.09
1.89
5.69
2.32
19.83
25.00
29.70
39.99
44.22
39.93
26.89
29.26
17.78
19.67
21.19
9.13
6.05
10.43
12.64
9.23
-3.79
-1.35
-2.26
0.50
1.44
-64.65
37.64
-14.07
-29.34
5.14
8.26
37.15
35.14
8.79
2.26
9.26
3.47
-0.73
-0.31
5.37
1.63
1.30
-1.31
-0.90
6.17
15.29
-2.37
-1.51
12.54
5.78
52.40
6.19
12.68
4.32
9.25
7.04
7.25
7.72
3.82
34.66
5.58
6.42
4.34
5.13
8.06
4.76
6.63
-5.64
6.14
1.65
3.40
-1.87
29.05
-1.91
2.37
395.25
539.16
484.16
440.07
684.21
918.87
784.02
528.62
37.77
13.04
37.43
64.70
14.60
-9.35
-6.14
133.53
121.73
136.92
97.06
65.76
34.40
10.99
125.14
114.22
133.17
94.73
65.52
34.15
8.39
3.75
0.24
0.06
0.05
41.58
Shinhan Bank #
Societe Generale
Sonali Bank
Standard Chartered Bank
(49)
(50)
(51)
(52)
(53)
(54)
(55)
(56)
6.99
4.69
4.28
16.21
4.92
5.86
60.95
65.60
28.73
34.13
15.01
11.86
84.60
88.09
44.66
39.60
115.33
129.17
35.20
19.14
37.36
34.83
105.60
105.21
144.05
163.29
50.21
31.01
121.96
122.92
37.80
38.46
52.04
39.38
66.55
70.32
61.93
58.07
33.71
58.15
95.36
96.10
27.59
17.05
50.10
57.31
49.42
16.53
43.26
28.68
28.02
29.15
42.00
36.18
43.11
43.53
40.65
62.71
73.28
86.95
71.91
49.67
74.44
59.33
60.85
21.28
39.62
66.92
38.18
20.07
24.03
18.76
4.98
5.39
7.23
4.26
3.93
7.35
7.71
2.23
4.49
1.69
12.03
10.10
2.57
1.46
2.25
10.57
28.07
31.20
55.79
59.41
55.08
58.63
34.08
42.16
11.47
18.42
20.63
17.44
44.44
47.48
17.12
19.34
9.82
13.83
35.76
9.95
10.95
0.08
0.38
-1.46
-1.42
0.10
23.70
7.05
-34.22 -36.07
1.31
2.56
4.46
1.48
1.15
1.52
3.06
9.91
12.40
23.21
26.33
4.43
5.05
2.58
3.58
0.54
5.26
5.97
11.58
11.35
9.15
6.36
11.09
5.42
2.75
9.00
9.63
5.64
4.66
3.20
6.92
1503.26
1433.00
1467.20
1316.00
54.81
71.45
837.29
924.20
33.26
19.20
14.50
81.71
37.40
31.82
93.78
71.42
9.93
79.64
88.97
31.66
92.16
71.21
8.93
0.29
0.13
1.62
0.21
30.50
23.25
1.43
Note : # See ‘Explanatory Notes’ Source : Annual accounts of banks of respective years.
State Bank of Mauritius
(57)
(58)
7.20
85.12
63.40
44.98
59.68
130.10
123.09
58.96
41.19
89.08
84.71
22.32
31.81
75.63
69.38
95.23
77.33
19.90
13.36
7.58
3.32
2.44
1.32
34.95
29.46
4.41
0.68
2.43
5.49
6.04
12.44
12.02
8.22
10.49
8.59
0.65
-0.65
1688.00
1236.00
10.00
28.00
38.99
32.94
34.74
2.48
1.91
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