FOREIGN BANKS

(per cent)

Year ended March 31

ABN Amro

Abu-dhabi

American

Arab Bangladesh

Bank

Commercial Bank

Express Bank

Bank

Ratio

1999

2000

1999

2000

1999

2000

1999

2000

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1.

Cash-deposit ratio

9.55

9.87

3.68

3.26

9.33

7.75

5.60

3.60

2.

Credit-deposit ratio

110.39

113.83

46.89

40.07

55.47

62.89

31.03

24.77

3.

Investment-deposit ratio

65.31

79.38

44.92

41.27

75.13

86.49

29.78

22.95

4.

(Credit + investment)-deposit ratio

175.71

193.21

91.81

81.34

130.61

149.37

60.81

47.71

5.

Ratio of deposits to total liabilities

47.29

45.54

72.13

87.67

52.91

52.04

35.75

40.61

6.

Ratio of term deposits to total deposits

73.89

59.09

80.99

83.14

70.47

61.28

40.43

37.18

7.

Ratio of priority sector advances to total advances

40.20

34.85

13.61

16.27

29.83

34.05

63.28

16.07

8.

Ratio of term-loans to total advances

24.51

36.58

9.24

20.99

15.48

22.93

25.93

0.00

9.

Ratio of secured advances to total advances

91.26

88.78

79.92

82.73

53.69

42.82

100.00

100.00

10.

Ratio of investments in non-approved securities to total investments

41.90

49.53

38.40

35.91

44.23

44.17

1.00

14.28

11.

Ratio of Interest income to total assets

10.86

10.53

9.99

10.98

10.63

10.10

7.91

7.88

12.

Ratio of net interest margin to total assets

3.88

4.21

2.24

2.09

2.80

3.55

6.38

6.35

13.

Ratio of non-interest income to total assets

2.89

2.18

1.70

1.51

3.56

4.74

3.04

2.54

14.

Ratio of intermediation cost to total assets

2.45

2.40

1.12

1.10

4.55

5.80

2.27

2.26

15.

Ratio of wage bills to intermediation cost

30.60

24.99

39.54

38.61

38.22

41.34

33.88

37.14

16.

Ratio of wage bills to total expenses

7.95

6.87

5.00

4.26

14.06

19.42

20.20

22.18

17.

Ratio of wage bills to total income

5.45

4.72

3.80

3.41

12.27

16.16

7.02

8.06

18.

Ratio of burden to total assets

-0.44

0.22

-0.58

-0.41

0.99

1.06

-0.77

-0.28

19.

Ratio of burden to interest income

-4.08

2.08

-5.83

-3.71

9.33

10.50

-9.72

-3.54

20.

Ratio of operating profits to total assets

4.32

3.99

2.82

2.50

1.81

2.49

7.14

6.63

21.

Return on assets

2.20

1.58

0.32

0.52

0.25

1.02

3.67

3.05

22.

Return on equity

29.46

25.81

8.48

11.84

2.36

10.97

5.99

5.20

23.

Cost of deposits

7.47

5.20

8.29

9.13

9.30

6.53

4.04

3.92

24.

Cost of borrowings

4.51

7.00

8.40

3.56

5.63

4.87

..

1.14

25.

Cost of funds

6.17

6.05

8.30

8.59

8.16

5.89

4.04

3.82

26.

Return on advances

13.64

11.87

11.57

12.04

13.69

11.98

15.41

14.55

27.

Return on investments

11.95

11.68

11.35

15.76

13.31

11.53

8.71

10.83

28.

Return on advances adjusted to cost of funds

7.48

5.83

3.26

3.45

5.54

6.08

11.37

10.72

29.

Return on investments adjusted to cost of funds

5.78

5.63

3.04

7.17

5.16

5.63

4.67

7.01

30.

Business per employee (in Rs. lakh)

731.53

857.06

880.30

1033.87

314.40

290.24

133.05

151.18

31.

Profit per employee (in Rs. lakh)

17.55

13.91

2.64

4.39

0.86

3.17

9.77

9.42

32.

Capital adequacy ratio

9.27

10.09

10.01

10.61

9.25

10.09

124.00

123.00

33.

Capital adequacy ratio - Tier I

8.94

8.23

8.76

9.36

9.08

9.91

124.00

123.00

34.

Capital adequacy ratio - Tier II

0.33

1.86

1.25

1.25

0.17

0.18

—

—

35.

Ratio of net NPA to net advances

0.45

0.30

3.59

2.10

—

—

—

6.07

(per cent)

Year ended March 31

Bank International

Bank Muscat

Bank of

Bank of Bahrain

Indonesia

International

America

& Kuwait

Ratio

1999

2000

1999

2000

1999

2000

1999

2000

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1.

Cash-deposit ratio

16.17

11.33

8.26

3.57

9.28

6.21

5.15

6.65

2.

Credit-deposit ratio

131.51

95.69

39.05

21.52

103.75

145.61

76.57

69.68

3.

Investment-deposit ratio

92.16

185.98

43.21

18.05

62.91

51.81

54.80

43.67

4.

(Credit + investment)-deposit ratio

223.67

281.67

82.26

39.57

166.65

197.43

131.38

113.34

5.

Ratio of deposits to total liabilities

23.58

16.32

30.03

68.64

48.40

44.23

59.32

65.58

6.

Ratio of term deposits to total deposits

96.70

82.34

94.84

92.53

73.20

78.14

88.05

88.53

7.

Ratio of priority sector advances to total advances

36.98

—

4.98

27.49

23.60

10.41

28.70

28.67

8.

Ratio of term-loans to total advances

7.08

15.74

62.32

63.58

36.23

24.43

28.28

40.52

9.

Ratio of secured advances to total advances

99.85

93.75

99.72

99.91

57.88

32.39

94.25

69.44

10.

Ratio of investments in non-approved securities to total investments

33.78

28.71

33.55

30.04

32.49

16.90

27.36

27.98

11.

Ratio of Interest income to total assets

8.99

9.00

7.55

8.44

12.94

10.31

10.94

11.00

12.

Ratio of net interest margin to total assets

1.93

2.53

5.63

3.05

4.52

4.07

1.18

1.68

13.

Ratio of non-interest income to total assets

2.18

2.28

1.28

1.85

1.51

3.19

1.46

2.10

14.

Ratio of intermediation cost to total assets

8.58

13.70

9.84

4.00

1.99

2.86

1.93

1.89

15.

Ratio of wage bills to intermediation cost

10.07

6.82

26.55

32.04

31.38

50.84

26.11

36.19

16.

Ratio of wage bills to total expenses

5.52

4.63

22.22

13.66

5.99

15.98

4.31

6.11

17.

Ratio of wage bills to total income

7.73

8.28

29.61

12.46

4.32

10.77

4.06

5.23

18.

Ratio of burden to total assets

6.40

11.42

8.56

2.15

0.47

-0.33

0.47

-0.21

19.

Ratio of burden to interest income

71.14

126.86

113.46

25.50

3.66

-3.20

4.32

-1.90

20.

Ratio of operating profits to total assets

-4.47

-8.89

-2.93

0.90

4.04

4.40

0.71

1.89

21.

Return on assets

-17.99

-8.10

—

1.07

1.99

1.02

0.71

0.90

22.

Return on equity

-35.96

-15.00

-4.72

1.83

23.22

23.05

10.42

11.01

23.

Cost of deposits

7.85

8.80

5.51

8.14

11.55

8.42

11.75

11.26

24.

Cost of borrowings

12.10

15.91

4.00

12.44

7.44

6.29

10.64

10.92

25.

Cost of funds

9.36

12.91

5.24

8.52

9.97

7.48

11.51

11.19

26.

Return on advances

14.82

14.71

3.47

14.40

16.58

12.47

13.97

12.78

27.

Return on investments

8.81

12.25

0.00

11.50

11.87

10.64

11.33

12.44

28.

Return on advances adjusted to cost of funds

5.46

1.80

-1.77

5.88

6.61

5.00

2.47

1.59

29.

Return on investments adjusted to cost of funds

-0.55

-0.66

-5.24

2.98

1.90

3.16

-0.17

1.25

30.

Business per employee (in Rs. lakh)

195.60

490.33

75.29

278.57

991.40

1312.05

611.10

689.90

31.

Profit per employee (in Rs. lakh)

-53.06

-44.00

—

3.77

20.22

30.14

4.16

5.58

32.

Capital adequacy ratio

57.26

59.92

212.45

70.06

9.26

12.93

13.38

12.14

33.

Capital adequacy ratio - Tier I

57.26

59.92

212.45

70.06

8.89

12.44

13.20

12.14

34.

Capital adequacy ratio - Tier II

—

—

—

—

0.37

0.49

0.18

—

35.

Ratio of net NPA to net advances

10.53

48.78

—

2.38

—

1.92

11.34

7.72

(per cent)

Year ended March 31

Bank of

Bank of

Bank of

Banque Nationale

Ceylon

Nova Scotia

Tokyo

de Paris

Ratio

1999

2000

1999

2000

1999

2000

1999

2000

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

1.

Cash-deposit ratio

7.65

4.71

5.18

6.29

12.78

10.14

12.14

9.09

2.

Credit-deposit ratio

189.06

175.50

103.59

128.45

50.03

62.27

64.43

63.68

3.

Investment-deposit ratio

29.69

29.86

29.31

30.35

30.57

35.02

104.66

99.92

4.

(Credit + investment)-deposit ratio

218.76

205.36

132.90

158.80

80.60

97.30

169.09

163.60

5.

Ratio of deposits to total liabilities

33.94

31.98

62.81

53.22

81.29

71.68

43.32

46.45

6.

Ratio of term deposits to total deposits

72.41

74.93

86.01

90.41

58.34

55.14

69.35

66.49

7.

Ratio of priority sector advances to total advances

38.74

41.30

46.30

38.68

5.98

3.59

29.86

33.12

8.

Ratio of term-loans to total advances

7.32

4.85

39.55

53.77

36.42

34.73

31.99

32.01

9.

Ratio of secured advances to total advances

83.37

89.39

88.86

85.29

81.35

81.74

77.06

53.41

10.

Ratio of investments in non-approved securities to total investments

0.00

0.00

7.78

9.13

0.65

0.76

46.52

46.80

11.

Ratio of Interest income to total assets

11.20

9.87

12.00

9.29

9.83

10.80

9.43

9.92

12.

Ratio of net interest margin to total assets

6.53

5.72

3.41

2.99

3.50

5.24

3.36

2.79

13.

Ratio of non-interest income to total assets

2.95

3.33

2.90

2.23

2.41

4.59

1.38

1.96

14.

Ratio of intermediation cost to total assets

1.99

1.76

1.63

1.64

32.16

39.01

2.35

2.40

15.

Ratio of wage bills to intermediation cost

23.43

23.41

27.04

30.75

3.85

11.70

43.35

45.61

16.

Ratio of wage bills to total expenses

7.00

6.98

4.32

6.35

3.21

8.05

12.10

11.50

17.

Ratio of wage bills to total income

3.29

3.13

2.96

4.38

10.11

9.32

9.42

9.23

18.

Ratio of burden to total assets

-0.96

-1.57

-1.27

-0.59

29.75

7.67

0.97

0.45

19.

Ratio of burden to interest income

-8.61

-15.89

-10.55

-6.33

302.63

70.96

10.28

4.50

20.

Ratio of operating profits to total assets

7.49

7.28

4.67

3.58

-26.25

-2.43

2.39

2.34

21.

Return on assets

2.33

2.62

2.14

1.91

-4.45

4.88

1.06

0.94

22.

Return on equity

6.28

8.83

23.82

15.67

-40.49

32.88

12.61

11.13

23.

Cost of deposits

8.93

8.03

9.68

7.35

7.37

6.59

8.23

8.97

24.

Cost of borrowings

8.78

8.60

10.41

6.78

7.38

14.31

5.51

7.19

25.

Cost of funds

8.88

8.23

9.84

7.16

7.37

6.80

6.83

8.11

26.

Return on advances

13.28

12.78

13.55

10.28

12.94

15.47

14.17

14.13

27.

Return on investments

11.35

11.59

12.04

10.28

10.11

11.39

11.53

11.37

28.

Return on advances adjusted to cost of funds

4.39

4.56

3.71

3.12

5.57

8.67

7.34

6.02

29.

Return on investments adjusted to cost of funds

2.47

3.36

2.20

3.12

2.75

4.59

4.70

3.27

30.

Business per employee (in Rs. lakh)

460.00

560.00

1054.22

833.77

569.74

381.66

465.66

555.25

31.

Profit per employee (in Rs. lakh)

11.00

16.00

17.42

14.43

-16.15

13.62

6.84

6.25

32.

Capital adequacy ratio

37.05

29.07

9.06

9.67

9.92

17.62

9.09

9.55

33.

Capital adequacy ratio - Tier I

37.02

29.07

9.06

9.59

9.92

17.62

6.92

6.25

34.

Capital adequacy ratio - Tier II

0.03

0.03

—

0.08

—

—

2.17

3.30

35.

Ratio of net NPA to net advances

16.43

22.14

2.80

1.15

13.45

2.46

—

—

(per cent)

Year ended March 31

Barclays

British Bank of

Chase Manhatane

Chinatrust

Bank

Middle East*

Bank

Commercial Bank

Ratio

1999

2000

1999

2000

1999

2000

1999

2000

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

1.

Cash-deposit ratio

5.55

5.21

4.20

28.60

73.50

11.88

9.15

2.

Credit-deposit ratio

31.22

23.01

21.02

75.38

267.45

144.42

108.33

3.

Investment-deposit ratio

162.07

96.66

51.73

1094.19

6536.28

137.93

102.80

4.

(Credit + investment)-deposit ratio

193.29

119.67

72.75

1169.57

6803.72

282.34

211.13

5.

Ratio of deposits to total liabilities

38.59

64.34

73.11

5.38

1.29

30.59

41.82

6.

Ratio of term deposits to total deposits

93.79

92.36

91.08

58.92

—

92.81

89.40

7.

Ratio of priority sector advances to total advances

54.10

26.54

20.11

—

—

21.33

30.95

8.

Ratio of term-loans to total advances

4.52

66.76

65.14

—

—

97.01

80.56

9.

Ratio of secured advances to total advances

61.18

89.53

92.02

100.00

100.00

100.00

91.41

10.

Ratio of investments in non-approved securities to total investments

45.39

24.99

32.03

—

—

48.60

41.90

11.

Ratio of Interest income to total assets

14.29

9.68

10.22

8.51

7.72

11.34

12.20

12.

Ratio of net interest margin to total assets

4.21

2.04

0.66

-0.93

1.15

4.87

3.86

13.

Ratio of non-interest income to total assets

2.38

0.66

0.77

16.06

15.72

0.14

0.46

14.

Ratio of intermediation cost to total assets

4.23

3.18

1.46

11.03

8.36

4.49

3.23

15.

Ratio of wage bills to intermediation cost

40.14

40.30

57.84

20.13

26.48

33.91

32.76

16.

Ratio of wage bills to total expenses

11.87

11.84

7.67

10.85

14.83

13.89

9.15

17.

Ratio of wage bills to total income

10.20

12.39

7.69

9.04

9.45

13.26

8.36

18.

Ratio of burden to total assets

1.86

2.52

0.69

-5.03

-7.36

4.35

2.77

19.

Ratio of burden to interest income

13.00

26.04

6.76

-59.10

-95.36

38.36

22.70

20.

Ratio of operating profits to total assets

2.36

-0.48

-0.03

4.11

8.51

0.52

1.09

21.

Return on assets

0.33

-2.23

-4.00

1.86

2.87

-0.26

0.25

22.

Return on equity

2.78

-14.48

-82.28

5.56

20.55

-1.31

1.20

23.

Cost of deposits

13.88

9.58

10.50

2.07

36.75

14.94

10.73

24.

Cost of borrowings

9.71

7.70

15.41

15.80

6.87

6.51

11.23

25.

Cost of funds

11.78

8.79

11.07

14.96

7.76

9.82

10.99

26.

Return on advances

24.07

9.79

15.44

1.74

16.63

15.35

15.44

27.

Return on investments

14.90

10.51

12.91

8.03

7.39

10.58

12.29

28.

Return on advances adjusted to cost of funds

12.29

1.00

4.37

-13.23

8.87

5.52

4.45

29.

Return on investments adjusted to cost of funds

3.12

1.72

1.84

-6.94

-0.37

0.76

1.29

30.

Business per employee (in Rs. lakh)

581.32

412.10

1053.40

6.29

65.49

447.63

661.78

31.

Profit per employee (in Rs. lakh)

3.06

-16.27

-39.67

4.26

1.70

-1.58

1.92

32.

Capital adequacy ratio

12.90

17.75

8.24

12.53

45.86

28.25

25.56

33.

Capital adequacy ratio - Tier I

12.45

17.63

7.99

12.53

45.86

28.22

25.45

34.

Capital adequacy ratio - Tier II

0.45

0.12

0.25

—

—

0.03

0.11

35.

Ratio of net NPA to net advances

-3.35

0.00

19.92

—

—

4.73

4.61

(per cent)

Year ended March 31

Cho Hung

Citibank

Commerz

Credit Agricole

Bank

Bank

Indosuez

Ratio

1999

2000

1999

2000

1999

2000

1999

2000

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

1.

Cash-deposit ratio

9.87

7.47

7.03

7.32

9.41

13.22

20.48

14.02

2.

Credit-deposit ratio

38.09

37.45

52.98

64.88

58.09

96.48

118.68

77.67

3.

Investment-deposit ratio

25.67

46.26

39.99

41.46

79.67

156.86

145.83

111.67

4.

(Credit + investment)-deposit ratio

63.76

83.70

92.97

106.34

137.77

253.34

264.51

189.34

5.

Ratio of deposits to total liabilities

63.39

61.45

73.22

71.99

54.04

29.70

27.45

33.48

6.

Ratio of term deposits to total deposits

30.05

21.22

76.34

71.25

95.82

84.83

71.34

78.33

7.

Ratio of priority sector advances to total advances

—

—

15.19

18.73

34.91

35.56

36.40

32.41

8.

Ratio of term-loans to total advances

15.41

10.67

63.85

64.98

63.66

53.80

40.33

64.62

9.

Ratio of secured advances to total advances

74.85

89.31

56.05

45.64

76.69

58.68

98.30

87.04

10.

Ratio of investments in non-approved securities to total investments

21.44

40.03

24.86

21.87

36.27

57.15

26.91

20.17

11.

Ratio of Interest income to total assets

11.20

8.98

11.35

11.01

9.97

11.21

11.10

10.29

12.

Ratio of net interest margin to total assets

9.14

8.03

3.70

4.75

3.35

2.97

2.62

2.51

13.

Ratio of non-interest income to total assets

2.86

1.83

4.44

2.87

2.60

1.63

0.73

0.63

14.

Ratio of intermediation cost to total assets

3.56

2.48

3.81

3.70

4.18

3.92

2.76

3.27

15.

Ratio of wage bills to intermediation cost

23.69

29.27