Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000 (Part 5 of 6) - RBI - Reserve Bank of India
Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000
(Part 5 of 6)
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 | 22.44 | 21.19 | 39.24 | 42.66 | 36.64 | 41.50 |
16. | Ratio of wage bills to total expenses | 14.98 | 21.18 | 7.46 | 7.88 | 15.18 | 13.76 | 9.00 | 12.29 |
17. | Ratio of wage bills to total income | 5.99 | 6.72 | 5.42 | 5.65 | 13.05 | 13.04 | 8.56 | 12.42 |
18. | Ratio of burden to total assets | 0.69 | 0.65 | -0.63 | 0.83 | 1.57 | 2.30 | 2.03 | 2.64 |
19. | Ratio of burden to interest income | 6.18 | 7.25 | -5.56 | 7.55 | 15.80 | 20.50 | 18.31 | 25.61 |
20. | Ratio of operating profits to total assets | 8.45 | 7.38 | 4.33 | 3.92 | 1.77 | 0.67 | 0.59 | -0.12 |
21. | Return on assets | 2.34 | 0.51 | 2.32 | 3.40 | 0.33 | 0.44 | -0.64 | -9.83 |
22. | Return on equity | 13.06 | 1.87 | 12.60 | 26.87 | 1.81 | 2.87 | -9.04 | -96.05 |
23. | Cost of deposits | 3.24 | 1.45 | 9.52 | 7.17 | 9.01 | 7.87 | 9.84 | 9.22 |
24. | Cost of borrowings | 6.33 | .. | 6.05 | 6.11 | 6.80 | 9.51 | 10.41 | 8.55 |
25. | Cost of funds | 3.38 | 1.48 | 9.04 | 7.03 | 7.96 | 8.67 | 10.13 | 8.78 |
26. | Return on advances | 16.74 | 15.31 | 16.85 | 15.68 | 12.01 | 14.23 | 13.37 | 14.45 |
27. | Return on investments | 14.33 | 13.11 | 12.89 | 12.34 | 11.69 | 13.24 | 15.69 | 13.15 |
28. | Return on advances adjusted to cost of funds | 13.36 | 13.83 | 7.80 | 8.65 | 4.04 | 5.56 | 3.24 | 5.68 |
29. | Return on investments adjusted to cost of funds | 10.94 | 11.63 | 3.85 | 5.31 | 3.73 | 4.58 | 5.56 | 4.38 |
30. | Business per employee (in Rs. lakh) | 728.45 | 710.48 | 831.89 | 1160.64 | 752.21 | 464.83 | 679.02 | 565.93 |
31. | Profit per employee (in Rs. lakh) | 35.18 | 49.33 | 7.64 | 19.22 | 2.42 | 3.63 | 5.19 | 63.14 |
32. | Capital adequacy ratio | 42.00 | 38.00 | 10.00 | 10.58 | 15.81 | 17.58 | 8.56 | 11.82 |
33. | Capital adequacy ratio - Tier I | 42.00 | 38.00 | 7.23 | 6.98 | 15.50 | 17.58 | 8.08 | 11.29 |
34. | Capital adequacy ratio - Tier II | | | 2.77 | 3.60 | 0.31 | | 0.48 | 0.53 |
35. | Ratio of net NPA to net advances | 1.88 | 1.48 | 2.08 | 1.05 | 7.06 | 7.34 | 24.75 | 6.13 |
Note * : British Bank of Middle East has been excluded from the Second Schedule to the RBI Act 1934, vide RBI notification dated September 25, 1999. |
Source : Compiled from annual accounts of banks of respective years. |