Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000 (Part 6 of 6) - RBI - Reserve Bank of India
Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000
(Part 6 of 6)
FOREIGN BANKS |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Credit |
Deutsche |
Development |
Dresdner |
||||||
Lyonnais |
Bank (Asia) |
Bank of Singapore |
Bank |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
1. |
Cash-deposit ratio |
5.70 |
4.42 |
8.05 |
15.27 |
4.21 |
10.63 |
8.83 |
8.84 |
2. |
Credit-deposit ratio |
44.68 |
47.29 |
76.83 |
81.30 |
34.40 |
349.98 |
72.56 |
137.01 |
3. |
Investment-deposit ratio |
56.18 |
54.98 |
78.29 |
96.86 |
104.23 |
183.06 |
64.85 |
97.95 |
4. |
(Credit + investment)-deposit ratio |
100.86 |
102.27 |
155.12 |
178.16 |
138.63 |
533.04 |
137.42 |
234.96 |
5. |
Ratio of deposits to total liabilities |
85.28 |
83.56 |
47.80 |
46.57 |
50.57 |
16.62 |
54.86 |
37.07 |
6. |
Ratio of term deposits to total deposits |
92.96 |
93.76 |
51.25 |
49.43 |
97.03 |
87.74 |
79.53 |
91.24 |
7. |
Ratio of priority sector advances to total advances |
9.06 |
9.00 |
28.07 |
47.09 |
26.22 |
15.21 |
42.35 |
34.90 |
8. |
Ratio of term-loans to total advances |
29.57 |
14.64 |
42.37 |
57.87 |
38.13 |
55.99 |
20.90 |
40.53 |
9. |
Ratio of secured advances to total advances |
48.73 |
54.80 |
74.79 |
73.47 |
85.26 |
52.84 |
96.45 |
78.05 |
10. |
Ratio of investments in non-approved securities to total investments |
26.79 |
27.80 |
45.02 |
45.06 |
56.28 |
29.57 |
24.24 |
21.05 |
11. |
Ratio of Interest income to total assets |
13.62 |
14.00 |
11.20 |
10.35 |
13.74 |
9.95 |
11.44 |
10.83 |
12. |
Ratio of net interest margin to total assets |
3.57 |
3.73 |
5.68 |
5.12 |
3.53 |
3.97 |
3.75 |
5.45 |
13. |
Ratio of non-interest income to total assets |
2.77 |
2.81 |
3.42 |
4.17 |
2.38 |
1.65 |
2.76 |
1.33 |
14. |
Ratio of intermediation cost to total assets |
1.77 |
2.19 |
3.94 |
3.98 |
2.56 |
2.03 |
4.69 |
5.08 |
15. |
Ratio of wage bills to intermediation cost |
53.62 |
45.24 |
29.98 |
31.75 |
34.52 |
35.35 |
27.08 |
28.39 |
16. |
Ratio of wage bills to total expenses |
8.05 |
7.95 |
12.49 |
13.71 |
6.93 |
8.95 |
10.26 |
13.78 |
17. |
Ratio of wage bills to total income |
5.80 |
5.90 |
8.08 |
8.70 |
5.49 |
6.18 |
8.94 |
11.86 |
18. |
Ratio of burden to total assets |
-0.99 |
-0.62 |
0.52 |
-0.19 |
0.18 |
0.38 |
1.93 |
3.75 |
19. |
Ratio of burden to interest income |
-7.30 |
-4.40 |
4.62 |
-1.81 |
1.33 |
3.77 |
16.83 |
34.63 |
20. |
Ratio of operating profits to total assets |
4.57 |
4.34 |
5.17 |
5.30 |
3.35 |
3.59 |
1.83 |
1.70 |
21. |
Return on assets |
1.70 |
1.60 |
1.11 |
1.10 |
1.31 |
1.44 |
-1.57 |
-11.37 |
22. |
Return on equity |
24.89 |
21.21 |
9.51 |
9.89 |
5.22 |
7.94 |
-8.43 |
-53.58 |
23. |
Cost of deposits |
10.31 |
9.70 |
6.30 |
5.08 |
11.22 |
7.62 |
11.46 |
8.07 |
24. |
Cost of borrowings |
15.64 |
89.34 |
7.96 |
8.48 |
23.74 |
7.93 |
7.94 |
10.70 |
25. |
Cost of funds |
10.78 |
11.20 |
6.82 |
6.49 |
15.09 |
7.81 |
10.01 |
8.73 |
26. |
Return on advances |
21.62 |
22.63 |
13.45 |
11.19 |
28.44 |
13.50 |
15.87 |
11.54 |
27. |
Return on investments |
9.78 |
9.50 |
12.48 |
12.66 |
10.56 |
9.28 |
14.12 |
14.90 |
28. |
Return on advances adjusted to cost of funds |
10.84 |
11.42 |
6.64 |
4.70 |
13.35 |
5.69 |
5.86 |
2.81 |
29. |
Return on investments adjusted to cost of funds |
-0.99 |
-1.71 |
5.66 |
6.17 |
-4.53 |
1.47 |
4.11 |
6.17 |
30. |
Business per employee (in Rs. lakh) |
875.89 |
1228.12 |
743.77 |
757.13 |
478.20 |
753.28 |
593.31 |
593.48 |
31. |
Profit per employee (in Rs. lakh) |
15.26 |
15.81 |
9.80 |
9.86 |
9.28 |
14.49 |
-10.08 |
-76.36 |
32. |
Capital adequacy ratio |
9.90 |
9.70 |
9.50 |
10.44 |
23.26 |
18.14 |
19.36 |
18.69 |
33. |
Capital adequacy ratio - Tier I |
8.90 |
8.50 |
9.50 |
10.44 |
23.26 |
18.13 |
19.36 |
18.69 |
34. |
Capital adequacy ratio - Tier II |
1.00 |
1.20 |
|
|
|
0.01 |
|
|
35. |
Ratio of net NPA to net advances |
|
4.10 |
|
|
4.93 |
|
16.16 |
13.50 |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Grindlays |
Hongkong & |
ING |
KBC |
||||||
Bank |
Shanghai Bank |
Bank |
Bank |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
1. |
Cash-deposit ratio |
9.61 |
7.74 |
8.21 |
5.77 |
15.47 |
12.62 |
.. |
3.11 |
2. |
Credit-deposit ratio |
48.08 |
49.94 |
43.76 |
49.14 |
141.35 |
185.90 |
.. |
35.61 |
3. |
Investment-deposit ratio |
51.84 |
57.64 |
54.26 |
56.18 |
130.29 |
165.20 |
.. |
105.50 |
4. |
(Credit + investment)-deposit ratio |
99.92 |
107.57 |
98.02 |
105.33 |
271.64 |
351.10 |
.. |
141.11 |
5. |
Ratio of deposits to total liabilities |
73.39 |
73.73 |
69.42 |
69.12 |
30.18 |
18.32 |
0.00 |
65.80 |
6. |
Ratio of term deposits to total deposits |
69.86 |
65.57 |
66.84 |
68.08 |
83.43 |
63.24 |
.. |
99.20 |
7. |
Ratio of priority sector advances to total advances |
5.65 |
4.36 |
24.43 |
18.04 |
18.85 |
22.91 |
.. |
34.64 |
8. |
Ratio of term-loans to total advances |
68.51 |
71.80 |
55.10 |
70.31 |
84.03 |
77.54 |
.. |
49.82 |
9. |
Ratio of secured advances to total advances |
84.61 |
71.82 |
89.12 |
73.20 |
41.00 |
45.42 |
.. |
20.29 |
10. |
Ratio of investments in non-approved securities to total investments |
35.39 |
40.72 |
37.45 |
40.10 |
47.80 |
36.84 |
99.38 |
74.44 |
11. |
Ratio of Interest income to total assets |
10.79 |
10.11 |
9.19 |
9.08 |
11.48 |
11.38 |
1.97 |
12.71 |
12. |
Ratio of net interest margin to total assets |
3.96 |
4.24 |
2.98 |
3.18 |
3.90 |
4.19 |
1.97 |
5.03 |
13. |
Ratio of non-interest income to total assets |
1.93 |
2.43 |
2.30 |
2.33 |
2.21 |
4.75 |
-0.61 |
1.52 |
14. |
Ratio of intermediation cost to total assets |
2.80 |
2.73 |
3.10 |
2.73 |
4.83 |
4.60 |
3.16 |
4.38 |
15. |
Ratio of wage bills to intermediation cost |
50.89 |
52.49 |
37.94 |
33.88 |
32.61 |
38.02 |
58.06 |
53.82 |
16. |
Ratio of wage bills to total expenses |
14.82 |
16.65 |
12.64 |
10.71 |
12.70 |
14.84 |
58.06 |
19.56 |
17. |
Ratio of wage bills to total income |
11.23 |
11.42 |
10.25 |
8.10 |
11.51 |
10.84 |
138.46 |
16.58 |
18. |
Ratio of burden to total assets |
0.88 |
0.30 |
0.80 |
0.39 |
2.62 |
-0.15 |
3.77 |
2.86 |
19. |
Ratio of burden to interest income |
8.14 |
2.98 |
8.76 |
4.34 |
22.83 |
-1.32 |
191.38 |
22.51 |
20. |
Ratio of operating profits to total assets |
3.08 |
3.94 |
2.17 |
2.79 |
1.28 |
4.34 |
-1.83 |
2.17 |
21. |
Return on assets |
1.49 |
1.57 |
0.58 |
0.96 |
0.03 |
-2.72 |
-0.91 |
0.82 |
22. |
Return on equity |
17.32 |
16.92 |
6.61 |
15.02 |
0.26 |
-16.55 |
-1.84 |
3.21 |
23. |
Cost of deposits |
8.07 |
7.06 |
7.75 |
7.03 |
19.74 |
9.74 |
.. |
3.90 |
24. |
Cost of borrowings |
6.13 |
4.07 |
7.27 |
6.25 |
4.76 |
9.05 |
.. |
40.75 |
25. |
Cost of funds |
7.90 |
6.75 |
7.70 |
6.90 |
9.34 |
9.28 |
.. |
10.70 |
26. |
Return on advances |
13.25 |
12.49 |
13.17 |
11.24 |
18.95 |
14.37 |
.. |
21.14 |
27. |
Return on investments |
12.92 |
11.37 |
11.36 |
12.49 |
10.69 |
13.96 |
0.15 |
11.75 |
28. |
Return on advances adjusted to cost of funds |
5.35 |
5.74 |
5.47 |
4.35 |
9.61 |
5.09 |
.. |
10.43 |
29. |
Return on investments adjusted to cost of funds |
5.02 |
4.62 |
3.67 |
5.60 |
1.35 |
4.68 |
.. |
1.04 |
30. |
Business per employee (in Rs. lakh) |
370.60 |
386.38 |
357.74 |
467.44 |
702.66 |
252.43 |
|
443.56 |
31. |
Profit per employee (in Rs. lakh) |
5.33 |
5.77 |
2.11 |
4.36 |
0.32 |
-19.33 |
-2.33 |
5.61 |
32. |
Capital adequacy ratio |
9.04 |
10.93 |
9.31 |
10.30 |
12.79 |
21.15 |
95.00 |
18.51 |
33. |
Capital adequacy ratio - Tier I |
6.48 |
5.98 |
6.54 |
5.68 |
12.79 |
21.15 |
95.00 |
18.51 |
34. |
Capital adequacy ratio - Tier II |
2.56 |
4.95 |
2.77 |
4.62 |
|
|
|
|
35. |
Ratio of net NPA to net advances |
0.26 |
0.03 |
0.91 |
1.04 |
5.67 |
13.26 |
|
|
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Krung Thai |
Mashreq |
Morgan Guaranty |
Oman International |
||||||
Bank |
Bank |
Trust |
Bank |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(57) |
(58) |
(59) |
(60) |
(61) |
(62) |
(63) |
(64) |
1. |
Cash-deposit ratio |
10.22 |
2.72 |
4.51 |
4.73 |
.. |
10.06 |
5.48 |
3.99 |
2. |
Credit-deposit ratio |
144.49 |
76.97 |
67.94 |
47.95 |
.. |
0.00 |
57.60 |
53.87 |
3. |
Investment-deposit ratio |
92.36 |
40.91 |
55.68 |
66.52 |
.. |
89.63 |
38.65 |
33.05 |
4. |
(Credit + investment)-deposit ratio |
236.85 |
117.88 |
123.62 |
114.47 |
.. |
89.63 |
96.25 |
86.93 |
5. |
Ratio of deposits to total liabilities |
5.46 |
17.11 |
66.01 |
71.27 |
0.00 |
10.22 |
74.99 |
69.35 |
6. |
Ratio of term deposits to total deposits |
97.76 |
96.91 |
85.16 |
80.60 |
.. |
98.48 |
85.26 |
85.09 |
7. |
Ratio of priority sector advances to total advances |
11.16 |
33.79 |
33.65 |
39.64 |
.. |
.. |
21.44 |
23.84 |
8. |
Ratio of term-loans to total advances |
|
|
5.71 |
24.41 |
.. |
.. |
40.33 |
52.80 |
9. |
Ratio of secured advances to total advances |
95.90 |
70.59 |
79.24 |
82.34 |
.. |
.. |
92.06 |
85.19 |
10. |
Ratio of investments in non-approved securities to total investments |
62.13 |
43.28 |
41.55 |
54.51 |
0.00 |
0.00 |
3.67 |
0.00 |
11. |
Ratio of Interest income to total assets |
8.13 |
9.75 |
11.44 |
9.89 |
2.79 |
6.55 |
9.62 |
9.40 |
12. |
Ratio of net interest margin to total assets |
7.68 |
8.26 |
2.50 |
2.23 |
1.20 |
2.13 |
-0.64 |
-0.52 |
13. |
Ratio of non-interest income to total assets |
3.83 |
0.47 |
1.30 |
1.57 |
0.77 |
6.88 |
2.43 |
1.69 |
14. |
Ratio of intermediation cost to total assets |
5.13 |
4.93 |
3.74 |
3.39 |
9.72 |
6.61 |
1.74 |
1.40 |
15. |
Ratio of wage bills to intermediation cost |
19.51 |
19.42 |
27.95 |
32.16 |
57.68 |
53.01 |
23.97 |
27.29 |
16. |
Ratio of wage bills to total expenses |
17.94 |
14.92 |
8.25 |
9.86 |
49.55 |
31.77 |
3.48 |
3.38 |
17. |
Ratio of wage bills to total income |
8.39 |
9.38 |
8.21 |
9.50 |
157.20 |
26.10 |
3.47 |
3.44 |
18. |
Ratio of burden to total assets |
1.30 |
4.46 |
2.44 |
1.81 |
8.95 |
-0.27 |
-0.69 |
-0.29 |
19. |
Ratio of burden to interest income |
16.00 |
45.79 |
21.34 |
18.34 |
320.34 |
-4.08 |
-7.14 |
-3.11 |
20. |
Ratio of operating profits to total assets |
6.38 |
3.80 |
0.06 |
0.42 |
-7.75 |
-1.25 |
0.05 |
-0.23 |
21. |
Return on assets |
4.31 |
1.69 |
-2.78 |
-3.60 |
.. |
2.02 |
|
|
22. |
Return on equity |
4.77 |
0.33 |
-20.97 |
-36.41 |
-19.00 |
-4.02 |
-33.42 |
-77.64 |
23. |
Cost of deposits |
6.24 |
12.20 |
10.45 |
9.01 |
.. |
0.18 |
12.02 |
12.79 |
24. |
Cost of borrowings |
.. |
.. |
12.84 |
8.25 |
1.34 |
9.69 |
27.56 |
16.23 |
25. |
Cost of funds |
13.25 |
12.26 |
10.81 |
8.85 |
2.20 |
8.63 |
12.70 |
12.99 |
26. |
Return on advances |
13.38 |
12.67 |
16.61 |
12.36 |
.. |
.. |
12.23 |
10.12 |
27. |
Return on investments |
13.44 |
7.79 |
9.96 |
11.34 |
3.08 |
8.34 |
10.44 |
12.71 |
28. |
Return on advances adjusted to cost of funds |
0.13 |
0.41 |
5.80 |
3.51 |
.. |
.. |
-0.47 |
-2.87 |
29. |
Return on investments adjusted to cost of funds |
0.19 |
-4.47 |
-0.85 |
2.49 |
0.88 |
-0.29 |
-2.25 |
-0.28 |
30. |
Business per employee (in Rs. lakh) |
54.79 |
119.92 |
558.83 |
591.24 |
|
124.11 |
741.85 |
818.23 |
31. |
Profit per employee (in Rs. lakh) |
17.66 |
7.82 |
-16.58 |
24.73 |
.. |
24.09 |
|
|
32. |
Capital adequacy ratio |
236.00 |
197.42 |
12.13 |
9.04 |
413.00 |
89.00 |
9.07 |
11.08 |
33. |
Capital adequacy ratio - Tier I |
236.00 |
197.42 |
12.13 |
9.04 |
413.00 |
89.00 |
9.07 |
9.65 |
34. |
Capital adequacy ratio - Tier II |
|
|
|
|
|
|
|
1.43 |
35. |
Ratio of net NPA to net advances |
|
|
24.21 |
20.96 |
|
|
38.03 |
33.79 |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Overseas Chinese |
Sakura |
Sanwa |
Societe |
||||||
Bank |
Bank |
Bank |
Generale |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(65) |
(66) |
(67) |
(68) |
(69) |
(70) |
(71) |
(72) |
1. |
Cash-deposit ratio |
7.39 |
4.69 |
12.93 |
18.07 |
20.06 |
16.31 |
7.34 |
4.79 |
2. |
Credit-deposit ratio |
152.49 |
162.60 |
169.76 |
243.78 |
195.82 |
154.84 |
68.68 |
62.55 |
3. |
Investment-deposit ratio |
63.83 |
67.15 |
60.81 |
121.66 |
50.43 |
38.70 |
56.06 |
84.75 |
4. |
(Credit + investment)-deposit ratio |
216.32 |
229.74 |
230.57 |
365.44 |
246.25 |
193.54 |
124.74 |
147.31 |
5. |
Ratio of deposits to total liabilities |
27.12 |
21.71 |
35.97 |
23.38 |
33.03 |
44.75 |
59.54 |
55.62 |
6. |
Ratio of term deposits to total deposits |
64.70 |
88.06 |
58.97 |
60.67 |
71.20 |
70.96 |
92.46 |
71.06 |
7. |
Ratio of priority sector advances to total advances |
79.78 |
27.92 |
26.05 |
23.73 |
21.37 |
38.12 |
19.72 |
21.03 |
8. |
Ratio of term-loans to total advances |
50.11 |
48.38 |
22.91 |
15.77 |
11.92 |
21.69 |
35.98 |
26.25 |
9. |
Ratio of secured advances to total advances |
14.29 |
74.17 |
57.83 |
81.81 |
82.66 |
66.21 |
74.13 |
89.68 |
10. |
Ratio of investments in non-approved securities to total investments |
32.21 |
36.08 |
15.22 |
17.08 |
0.00 |
0.00 |
24.17 |
7.86 |
11. |
Ratio of Interest income to total assets |
10.04 |
9.83 |
12.57 |
11.60 |
10.77 |
8.74 |
12.40 |
9.67 |
12. |
Ratio of net interest margin to total assets |
7.99 |
7.37 |
6.29 |
5.83 |
5.34 |
4.09 |
2.38 |
1.06 |
13. |
Ratio of non-interest income to total assets |
4.00 |
2.48 |
-2.53 |
-1.17 |
1.52 |
1.15 |
2.06 |
2.41 |
14. |
Ratio of intermediation cost to total assets |
6.43 |
5.48 |
1.59 |
1.97 |
1.90 |
2.33 |
2.19 |
2.75 |
15. |
Ratio of wage bills to intermediation cost |
35.14 |
38.01 |
28.95 |
35.72 |
25.80 |
21.58 |
38.87 |
39.74 |
16. |
Ratio of wage bills to total expenses |
26.70 |
26.25 |
5.84 |
9.12 |
6.68 |
7.21 |
6.96 |
9.63 |
17. |
Ratio of wage bills to total income |
16.08 |
16.93 |
4.58 |
6.77 |
3.98 |
5.08 |
5.88 |
9.06 |
18. |
Ratio of burden to total assets |
2.42 |
3.00 |
4.12 |
3.15 |
0.38 |
1.18 |
0.13 |
0.35 |
19. |
Ratio of burden to interest income |
24.13 |
30.54 |
32.75 |
27.14 |
3.48 |
13.50 |
1.01 |
3.58 |
20. |
Ratio of operating profits to total assets |
5.59 |
4.37 |
2.18 |
2.69 |
4.97 |
2.91 |
2.25 |
0.71 |
21. |
Return on assets |
4.84 |
|
-3.35 |
-0.70 |
0.97 |
0.13 |
-2.37 |
0.02 |
22. |
Return on equity |
6.34 |
-0.38 |
-21.31 |
-3.86 |
4.05 |
0.49 |
-26.68 |
0.16 |
23. |
Cost of deposits |
3.05 |
4.96 |
7.98 |
5.75 |
8.36 |
6.88 |
9.94 |
9.05 |
24. |
Cost of borrowings |
.. |
34.12 |
7.61 |
8.06 |
5.68 |
6.09 |
15.97 |
12.18 |
25. |
Cost of funds |
9.25 |
8.77 |
7.72 |
7.19 |
7.59 |
6.52 |
11.48 |
10.07 |
26. |
Return on advances |
3.51 |
13.76 |
15.02 |
13.30 |
13.84 |
9.43 |
15.27 |
11.36 |
27. |
Return on investments |
11.63 |
11.23 |
9.63 |
10.76 |
12.12 |
12.10 |
14.33 |
11.05 |
28. |
Return on advances adjusted to cost of funds |
-5.74 |
4.99 |
7.30 |
6.10 |
6.25 |
2.91 |
3.79 |
1.29 |
29. |
Return on investments adjusted to cost of funds |
2.38 |
2.46 |
1.91 |
3.57 |
4.53 |
5.58 |
2.86 |
0.98 |
30. |
Business per employee (in Rs. lakh) |
334.94 |
307.40 |
640.60 |
615.02 |
805.38 |
781.79 |
677.20 |
662.40 |
31. |
Profit per employee (in Rs. lakh) |
21.43 |
15.97 |
-24.90 |
-4.80 |
7.23 |
1.02 |
-21.40 |
0.10 |
32. |
Capital adequacy ratio |
94.00 |
98.34 |
10.29 |
15.01 |
31.22 |
36.17 |
12.50 |
13.95 |
33. |
Capital adequacy ratio - Tier I |
94.00 |
98.34 |
10.29 |
15.01 |
31.22 |
36.17 |
12.21 |
13.71 |
34. |
Capital adequacy ratio - Tier II |
|
|
|
|
|
|
0.29 |
0.24 |
35. |
Ratio of net NPA to net advances |
|
15.97 |
12.59 |
16.49 |
12.33 |
18.58 |
11.94 |
8.66 |
|
|
|
|
|
|
|
|
|
(per cent) |
Year ended March 31 |
|||||||||
Sonali |
Standard |
State Bank of |
Sumitomo |
||||||
Bank |
Chartered Bank |
Mauritius |
Bank |
||||||
Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
|
|
|
(73) |
(74) |
(75) |
(76) |
(77) |
(78) |
(79) |
(80) |
1. |
Cash-deposit ratio |
18.77 |
7.72 |
12.36 |
10.85 |
11.30 |
24.45 |
10.52 |
6.18 |
2. |
Credit-deposit ratio |
28.93 |
8.65 |
63.17 |
86.27 |
149.57 |
205.72 |
130.84 |
197.62 |
3. |
Investment-deposit ratio |
14.21 |
7.68 |
50.81 |
62.73 |
44.06 |
61.91 |
37.43 |
56.49 |
4. |
(Credit + investment)-deposit ratio |
43.15 |
16.33 |
113.98 |
149.00 |
193.62 |
267.63 |
168.26 |
254.11 |
5. |
Ratio of deposits to total liabilities |
59.37 |
76.19 |
65.62 |
54.97 |
40.15 |
30.69 |
50.89 |
34.36 |
6. |
Ratio of term deposits to total deposits |
11.09 |
6.49 |
72.78 |
66.17 |
97.05 |
83.93 |
77.68 |
78.28 |
7. |
Ratio of priority sector advances to total advances |
0.15 |
0.64 |
24.87 |
21.08 |
52.30 |
30.06 |
31.03 |
34.98 |
8. |
Ratio of term-loans to total advances |
|
|
52.13 |
27.08 |
22.82 |
25.30 |
92.91 |
85.24 |
9. |
Ratio of secured advances to total advances |
100.00 |
100.00 |
67.69 |
65.98 |
99.02 |
92.59 |
67.14 |
84.87 |
10. |
Ratio of investments in non-approved securities to total investments |
0.00 |
20.55 |
39.10 |
37.91 |
28.74 |
22.65 |
44.00 |
81.26 |
11. |
Ratio of Interest income to total assets |
5.96 |
2.27 |
12.04 |
11.21 |
9.22 |
9.19 |
13.03 |
10.92 |
12. |
Ratio of net interest margin to total assets |
3.35 |
1.15 |
4.00 |
4.52 |
3.42 |
3.55 |
5.34 |
3.48 |
13. |
Ratio of non-interest income to total assets |
16.29 |
8.00 |
2.95 |
2.66 |
2.04 |
1.82 |
2.02 |
1.02 |
14. |
Ratio of intermediation cost to total assets |
6.07 |
4.05 |
3.46 |
3.29 |
1.51 |
1.05 |
3.21 |
2.09 |
15. |
Ratio of wage bills to intermediation cost |
52.36 |
50.79 |
35.75 |
26.19 |
25.06 |
35.98 |
50.38 |
42.86 |
16. |
Ratio of wage bills to total expenses |
36.63 |
39.78 |
10.76 |
8.63 |
5.18 |
5.64 |
14.85 |
9.41 |
17. |
Ratio of wage bills to total income |
14.29 |
20.05 |
8.25 |
6.21 |
3.37 |
3.43 |
10.75 |
7.51 |
18. |
Ratio of burden to total assets |
-10.22 |
-3.94 |
0.50 |
0.63 |
-0.53 |
-0.77 |
1.19 |
1.07 |
19. |
Ratio of burden to interest income |
-171.63 |
-173.43 |
4.19 |
5.61 |
-5.73 |
-8.35 |
9.14 |
9.81 |
20. |
Ratio of operating profits to total assets |
13.60 |
5.09 |
3.50 |
3.89 |
3.94 |
4.31 |
4.15 |
2.41 |
21. |
Return on assets |
12.91 |
4.11 |
3.12 |
3.69 |
1.81 |
1.48 |
3.14 |
2.75 |
22. |
Return on equity |
81.20 |
27.85 |
25.58 |
28.58 |
5.81 |
6.12 |
10.57 |
1.31 |
23. |
Cost of deposits |
1.77 |
1.16 |
9.87 |
8.08 |
12.71 |
10.55 |
5.82 |
5.51 |
24. |
Cost of borrowings |
.. |
.. |
8.46 |
7.00 |
5.93 |
6.10 |
18.08 |
13.19 |
25. |
Cost of funds |
2.25 |
1.17 |
9.64 |
7.77 |
10.91 |
8.41 |
9.67 |
9.08 |
26. |
Return on advances |
16.04 |
5.16 |
16.10 |
14.14 |
11.29 |
11.19 |
17.54 |
13.61 |
27. |
Return on investments |
22.77 |
8.64 |
12.16 |
12.53 |
12.92 |
10.76 |
7.22 |
8.88 |
28. |
Return on advances adjusted to cost of funds |
13.79 |
3.99 |
6.46 |
6.37 |
0.38 |
2.78 |
7.87 |
4.53 |
29. |
Return on investments adjusted to cost of funds |
20.53 |
7.47 |
2.52 |
4.76 |
2.01 |
2.35 |
-2.45 |
-0.20 |
30. |
Business per employee (in Rs. lakh) |
66.99 |
120.81 |
311.12 |
571.53 |
899.80 |
1304.40 |
1086.94 |
760.18 |
31. |
Profit per employee (in Rs. lakh) |
11.30 |
6.00 |
0.14 |
10.27 |
16.20 |
20.60 |
28.89 |
1.88 |
32. |
Capital adequacy ratio |
38.39 |
24.91 |
8.30 |
9.50 |
46.78 |
35.23 |
16.58 |
18.43 |
33. |
Capital adequacy ratio - Tier I |
38.39 |
24.91 |
6.80 |
6.00 |
46.69 |
35.16 |
16.58 |
18.43 |
34. |
Capital adequacy ratio - Tier II |
|
|
1.50 |
3.50 |
0.09 |
0.07 |
|
|
35. |
Ratio of net NPA to net advances |
2.11 |
|
3.18 |
2.04 |
10.76 |
7.76 |
|
16.13 |
|
|
|
|
|
|
|
(per cent) |
As on 31st March, 2000 |
|||||||
The Fuji |
The Siam |
Toronto |
|||||
Bank |
Commercial Bank |
Dominion Bank |
|||||
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
||
|
|
(81) |
(82) |
(83) |
(84) |
(85) |
(86) |
1. |
Cash-deposit ratio |
4.38 |
5.01 |
11.06 |
3.25 |
.. |
.. |
2. |
Credit-deposit ratio |
106.78 |
177.75 |
118.66 |
188.19 |
.. |
.. |
3. |
Investment-deposit ratio |
41.90 |
55.63 |
30.22 |
40.43 |
.. |
.. |
4. |
(Credit + investment)-deposit ratio |
148.69 |
233.37 |
148.88 |
228.62 |
.. |
.. |
5. |
Ratio of deposits to total liabilities |
51.10 |
34.06 |
49.85 |
35.60 |
0.00 |
0.00 |
6. |
Ratio of term deposits to total deposits |
99.41 |
98.56 |
94.35 |
34.18 |
.. |
.. |
7. |
Ratio of priority sector advances to total advances |
9.94 |
38.24 |
20.72 |
22.14 |
21.19 |
22.62 |
8. |
Ratio of term-loans to total advances |
45.76 |
22.50 |
46.80 |
34.14 |
78.81 |
77.38 |
9. |
Ratio of secured advances to total advances |
82.12 |
78.91 |
100.00 |
100.00 |
100.00 |
91.92 |
10. |
Ratio of investments in non-approved securities to total investments |
100.00 |
100.00 |
11.81 |
34.29 |
0.00 |
38.46 |
11. |
Ratio of Interest income to total assets |
11.78 |
8.84 |
11.47 |
12.25 |
13.24 |
10.78 |
12. |
Ratio of net interest margin to total assets |
5.21 |
2.00 |
5.84 |
6.06 |
13.22 |
9.40 |
13. |
Ratio of non-interest income to total assets |
0.71 |
0.70 |
1.03 |
1.73 |
0.61 |
1.41 |
14. |
Ratio of intermediation cost to total assets |
4.37 |
2.99 |
2.15 |
2.30 |
4.99 |
3.20 |
15. |
Ratio of wage bills to intermediation cost |
48.12 |
31.75 |
17.09 |
17.38 |
27.00 |
32.07 |
16. |
Ratio of wage bills to total expenses |
19.22 |
9.67 |
4.71 |
4.71 |
27.00 |
22.39 |
17. |
Ratio of wage bills to total income |
16.83 |
9.96 |
2.93 |
2.86 |
9.73 |
8.42 |
18. |
Ratio of burden to total assets |
3.66 |
2.29 |
1.11 |
0.57 |
4.38 |
1.79 |
19. |
Ratio of burden to interest income |
31.04 |
25.93 |
9.72 |
4.66 |
33.07 |
16.63 |
20. |
Ratio of operating profits to total assets |
1.55 |
-0.29 |
4.72 |
5.48 |
8.86 |
7.61 |
21. |
Return on assets |
0.16 |
-2.76 |
2.70 |
2.25 |
3.48 |
2.90 |
22. |
Return on equity |
0.51 |
-12.27 |
8.92 |
8.95 |
4.51 |
5.63 |
23. |
Cost of deposits |
12.06 |
11.53 |
4.59 |
8.67 |
.. |
.. |
24. |
Cost of borrowings |
8.12 |
6.87 |
17.89 |
15.12 |
0.20 |
4.00 |
25. |
Cost of funds |
10.10 |
9.57 |
8.82 |
10.51 |
0.20 |
4.00 |
26. |
Return on advances |
14.61 |
9.77 |
14.59 |
15.06 |
15.78 |
11.45 |
27. |
Return on investments |
9.98 |
10.21 |
11.67 |
10.80 |
17.91 |
18.25 |
28. |
Return on advances adjusted to cost of funds |
4.52 |
0.21 |
5.77 |
4.55 |
15.58 |
7.46 |
29. |
Return on investments adjusted to cost of funds |
-0.12 |
0.64 |
2.86 |
0.29 |
17.71 |
14.26 |
30. |
Business per employee (in Rs. lakh) |
57.06 |
69.30 |
932.57 |
976.72 |
353.63 |
384.68 |
31. |
Profit per employee (in Rs. lakh) |
1.20 |
2.70 |
26.47 |
22.00 |
23.74 |
31.99 |
32. |
Capital adequacy ratio |
23.62 |
25.29 |
39.00 |
28.00 |
74.23 |
51.98 |
33. |
Capital adequacy ratio - Tier I |
23.62 |
25.29 |
39.00 |
28.00 |
73.58 |
51.21 |
34. |
Capital adequacy ratio - Tier II |
|
|
|
|
0.65 |
0.77 |
35. |
Ratio of net NPA to net advances |
6.02 |
10.28 |
10.51 |
5.17 |
|
|
Source : Compiled from annual accounts of banks of respective years. |