Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 3 of 4) - RBI - Reserve Bank of India
Table 62: Selected Ratios of Scheduled Commercial Banks (Excluding RRBs): 2000 and 2001 (Part 3 of 4)
FOREIGN BANKS |
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
ING Bank |
KBC Bank |
Krung Thai Bank |
Mashreq Bank |
|||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
||
|
|||||||||
1. |
Cash-deposit ratio |
12.62 |
3.83 |
3.11 |
4.70 |
2.72 |
5.69 |
4.73 |
3.89 |
2. |
Credit-deposit ratio |
185.90 |
26.69 |
35.61 |
28.04 |
76.97 |
196.65 |
47.95 |
26.48 |
3. |
Investment-deposit ratio |
165.20 |
94.93 |
105.50 |
61.76 |
40.91 |
60.35 |
66.52 |
80.20 |
4. |
(Credit + investment)-deposit ratio |
351.10 |
121.62 |
141.11 |
89.80 |
117.88 |
257.01 |
114.47 |
106.68 |
5. |
Ratio of deposits to total liabilities |
18.32 |
54.41 |
65.80 |
59.64 |
17.11 |
15.93 |
71.27 |
82.29 |
6. |
Ratio of term deposits to total deposits |
63.24 |
87.14 |
99.20 |
99.18 |
96.91 |
99.26 |
80.60 |
89.80 |
7. |
Ratio of priority sector advances to total advances |
22.91 |
14.43 |
34.64 |
26.25 |
33.79 |
0.00 |
39.64 |
25.32 |
8. |
Ratio of term-loans to total advances |
77.54 |
72.25 |
49.82 |
80.81 |
0.00 |
0.00 |
24.41 |
9.26 |
9. |
Ratio of secured advances to total advances |
45.42 |
95.78 |
20.29 |
14.28 |
70.59 |
23.68 |
82.34 |
88.84 |
10. |
Ratio of investments in non-approved securities to total investments |
36.84 |
80.33 |
74.44 |
36.93 |
43.28 |
71.93 |
54.51 |
58.70 |
11. |
Ratio of Interest income to total assets |
11.38 |
4.96 |
12.71 |
15.25 |
9.75 |
9.75 |
9.89 |
10.00 |
12. |
Ratio of net interest margin to total assets |
4.19 |
1.54 |
5.03 |
3.66 |
8.26 |
8.54 |
2.23 |
1.32 |
13. |
Ratio of non-interest income to total assets |
4.75 |
2.65 |
1.52 |
-0.12 |
0.47 |
1.10 |
1.57 |
1.63 |
14. |
Ratio of intermediation cost to total assets |
4.60 |
6.67 |
4.38 |
2.64 |
4.93 |
4.55 |
3.39 |
2.45 |
15. |
Ratio of wage bills to intermediation cost |
38.02 |
39.19 |
53.82 |
58.27 |
19.42 |
19.09 |
32.16 |
36.97 |
16. |
Ratio of wage bills to total expenses |
14.84 |
25.90 |
19.56 |
10.82 |
14.92 |
15.08 |
9.86 |
8.16 |
17. |
Ratio of wage bills to total income |
10.84 |
34.40 |
16.58 |
10.18 |
9.38 |
8.01 |
9.50 |
7.81 |
18. |
Ratio of burden to total assets |
-0.15 |
4.03 |
2.86 |
2.76 |
4.46 |
3.45 |
1.81 |
0.83 |
19. |
Ratio of burden to interest income |
-1.32 |
81.26 |
22.51 |
18.10 |
45.79 |
35.39 |
18.34 |
8.30 |
20. |
Ratio of operating profits to total assets |
4.34 |
-2.49 |
2.17 |
0.90 |
3.80 |
5.09 |
0.42 |
0.49 |
21. |
Return on assets |
-2.72 |
-3.96 |
0.82 |
0.30 |
1.69 |
2.21 |
-3.60 |
-3.10 |
22. |
Return on equity |
-16.55 |
-18.54 |
3.21 |
2.12 |
0.33 |
2.86 |
-36.41 |
-56.79 |
23. |
Cost of deposits |
9.74 |
6.05 |
3.90 |
12.94 |
12.20 |
6.57 |
9.01 |
8.18 |
24. |
Cost of borrowings |
9.05 |
3.82 |
40.75 |
7.83 |
.. |
5.99 |
8.25 |
11.09 |
25. |
Cost of funds |
9.28 |
5.02 |
10.70 |
11.72 |
12.26 |
6.51 |
8.85 |
8.56 |
26. |
Return on advances |
14.37 |
13.08 |
21.14 |
18.89 |
12.67 |
11.85 |
12.36 |
14.46 |
27. |
Return on investments |
13.96 |
2.58 |
11.75 |
21.30 |
7.79 |
7.88 |
11.34 |
9.77 |
28. |
Return on advances adjusted to cost of funds |
5.09 |
8.06 |
10.43 |
7.17 |
0.41 |
5.35 |
3.51 |
5.90 |
29. |
Return on investments adjusted to cost of funds |
4.68 |
-2.44 |
1.04 |
9.58 |
-4.47 |
1.37 |
2.49 |
1.21 |
30. |
Business per employee (in Rs. lakh) |
252.43 |
409.54 |
443.56 |
910.59 |
119.92 |
174.86 |
591.24 |
574.51 |
31. |
Profit per employee (in Rs. lakh) |
-19.33 |
-23.56 |
5.61 |
4.29 |
7.82 |
9.88 |
24.73 |
-38.24 |
32. |
Capital adequacy ratio |
21.15 |
15.00 |
18.51 |
23.01 |
197.42 |
148.99 |
9.04 |
10.54 |
33. |
Capital adequacy ratio - Tier I |
21.15 |
15.00 |
18.51 |
22.86 |
197.42 |
148.75 |
9.04 |
10.42 |
34. |
Capital adequacy ratio - Tier II |
0.00 |
0.00 |
0.00 |
0.15 |
0.32 |
0.24 |
0.00 |
0.12 |
35. |
Ratio of net NPA to net advances |
13.26 |
5.94 |
0.00 |
0.24 |
0.00 |
0.00 |
20.96 |
13.39 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Morgan Guaranty |
Oman |
Overseas Chinese |
Sakura Bank |
|||||
Trust |
International Bank |
Bank |
|||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(57) |
(58) |
(59) |
(60) |
(61) |
(62) |
(63) |
(64) |
||
|
|||||||||
1. |
Cash-deposit ratio |
10.06 |
24.16 |
3.99 |
3.75 |
4.69 |
4.23 |
18.07 |
26.37 |
2. |
Credit-deposit ratio |
0.00 |
0.00 |
53.87 |
29.35 |
162.60 |
118.56 |
243.78 |
151.13 |
3. |
Investment-deposit ratio |
89.63 |
345.71 |
33.05 |
27.85 |
67.15 |
99.04 |
121.66 |
58.09 |
4. |
(Credit + investment)-deposit ratio |
89.63 |
345.71 |
86.93 |
57.19 |
229.74 |
217.60 |
365.44 |
209.23 |
5. |
Ratio of deposits to total liabilities |
10.22 |
12.56 |
69.35 |
65.78 |
21.71 |
17.15 |
23.38 |
39.12 |
6. |
Ratio of term deposits to total deposits |
98.48 |
100.00 |
85.09 |
88.47 |
88.06 |
93.10 |
60.67 |
86.00 |
7. |
Ratio of priority sector advances to total advances |
.. |
.. |
23.84 |
12.34 |
27.92 |
10.91 |
23.73 |
22.55 |
8. |
Ratio of term-loans to total advances |
.. |
.. |
52.80 |
51.38 |
48.38 |
56.01 |
15.77 |
34.12 |
9. |
Ratio of secured advances to total advances |
.. |
.. |
85.19 |
75.48 |
74.17 |
100.00 |
81.81 |
90.45 |
10. |
Ratio of investments in non-approved securities to total investments |
0.00 |
29.25 |
0.00 |
0.00 |
36.08 |
38.34 |
17.08 |
13.61 |
11. |
Ratio of Interest income to total assets |
6.55 |
7.46 |
9.40 |
6.38 |
9.83 |
9.41 |
11.60 |
12.17 |
12. |
Ratio of net interest margin to total assets |
2.13 |
2.06 |
-0.52 |
-0.51 |
7.37 |
8.10 |
5.83 |
4.59 |
13. |
Ratio of non-interest income to total assets |
6.88 |
3.54 |
1.69 |
1.74 |
2.48 |
1.49 |
-1.17 |
0.91 |
14. |
Ratio of intermediation cost to total assets |
6.61 |
5.22 |
1.40 |
1.32 |
5.48 |
5.62 |
1.97 |
1.98 |
15. |
Ratio of wage bills to intermediation cost |
53.01 |
62.32 |
27.29 |
28.47 |
38.01 |
35.68 |
35.72 |
31.63 |
16. |
Ratio of wage bills to total expenses |
31.77 |
30.63 |
3.38 |
4.58 |
26.25 |
28.91 |
9.12 |
6.54 |
17. |
Ratio of wage bills to total income |
26.10 |
29.59 |
3.44 |
4.63 |
16.93 |
18.39 |
6.77 |
4.78 |
18. |
Ratio of burden to total assets |
-0.27 |
1.68 |
-0.29 |
-0.42 |
3.00 |
4.13 |
3.15 |
1.07 |
19. |
Ratio of burden to interest income |
-4.08 |
22.57 |
-3.11 |
-6.62 |
30.54 |
43.88 |
27.14 |
8.76 |
20. |
Ratio of operating profits to total assets |
-1.25 |
0.37 |
-0.23 |
-0.09 |
4.37 |
3.97 |
2.69 |
3.52 |
21. |
Return on assets |
2.02 |
0.25 |
0.00 |
0.00 |
0.00 |
0.74 |
-0.70 |
-2.11 |
22. |
Return on equity |
-4.02 |
0.81 |
-77.64 |
-24.18 |
-0.38 |
1.04 |
-3.86 |
-11.60 |
23. |
Cost of deposits |
0.18 |
5.39 |
12.79 |
9.67 |
4.96 |
6.29 |
5.75 |
6.06 |
24. |
Cost of borrowings |
9.69 |
13.81 |
16.23 |
6.93 |
34.12 |
2.25 |
8.06 |
11.98 |
25. |
Cost of funds |
8.63 |
11.71 |
12.99 |
9.48 |
8.77 |
5.64 |
7.19 |
9.60 |
26. |
Return on advances |
.. |
.. |
10.12 |
8.01 |
13.76 |
13.11 |
13.30 |
14.47 |
27. |
Return on investments |
8.34 |
14.30 |
12.71 |
9.91 |
11.23 |
11.63 |
10.76 |
9.73 |
28. |
Return on advances adjusted to cost of funds |
.. |
.. |
-2.87 |
-1.46 |
4.99 |
7.47 |
6.10 |
4.88 |
29. |
Return on investments adjusted to cost of funds |
-0.29 |
2.60 |
-0.28 |
0.43 |
2.46 |
6.00 |
3.57 |
0.13 |
30. |
Business per employee (in Rs. lakh) |
124.11 |
217.39 |
818.23 |
938.40 |
307.40 |
211.05 |
615.02 |
608.14 |
31. |
Profit per employee (in Rs. lakh) |
24.09 |
4.24 |
0.00 |
0.00 |
15.97 |
4.44 |
-4.80 |
-14.83 |
32. |
Capital adequacy ratio |
89.00 |
79.00 |
11.08 |
14.21 |
98.34 |
168.11 |
15.01 |
16.21 |
33. |
Capital adequacy ratio - Tier I |
89.00 |
79.00 |
9.65 |
12.82 |
98.34 |
167.82 |
15.01 |
16.07 |
34. |
Capital adequacy ratio - Tier II |
0.00 |
0.00 |
1.43 |
1.39 |
0.00 |
0.29 |
0.00 |
0.14 |
35. |
Ratio of net NPA to net advances |
0.00 |
0.00 |
33.79 |
37.11 |
15.97 |
18.44 |
16.49 |
1.03 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Sanwa Bank |
Societe Generale |
Sonali Bank |
Standard |
|||||
Chartered Bank |
|||||||||
|
|||||||||
2001 |
2000 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(65) |
(66) |
(67) |
(68) |
(69) |
(70) |
(71) |
(72) |
||
|
|||||||||
1. |
Cash-deposit ratio |
16.31 |
11.75 |
4.79 |
4.97 |
7.72 |
13.70 |
10.85 |
7.67 |
2. |
Credit-deposit ratio |
154.84 |
224.93 |
62.55 |
83.63 |
8.65 |
12.62 |
86.27 |
101.93 |
3. |
Investment-deposit ratio |
38.70 |
113.65 |
84.75 |
94.33 |
7.68 |
11.93 |
62.73 |
106.15 |
4. |
(Credit + investment)-deposit ratio |
193.54 |
338.57 |
147.31 |
177.96 |
16.33 |
24.56 |
149.00 |
208.08 |
5. |
Ratio of deposits to total liabilities |
44.75 |
26.96 |
55.62 |
34.03 |
76.19 |
60.37 |
54.97 |
41.25 |
6. |
Ratio of term deposits to total deposits |
70.96 |
59.92 |
71.06 |
84.34 |
6.49 |
13.21 |
66.17 |
62.54 |
7. |
Ratio of priority sector advances to total advances |
38.12 |
28.23 |
21.03 |
21.20 |
0.64 |
0.76 |
21.08 |
27.63 |
8. |
Ratio of term-loans to total advances |
21.69 |
35.34 |
26.25 |
17.32 |
0.00 |
0.00 |
27.08 |
25.97 |
9. |
Ratio of secured advances to total advances |
66.21 |
79.34 |
89.68 |
82.27 |
100.00 |
2.38 |
65.98 |
52.90 |
10. |
Ratio of investments in non-approved securities to total investments |
0.00 |
31.73 |
7.86 |
28.21 |
20.55 |
13.46 |
37.91 |
41.74 |
11. |
Ratio of Interest income to total assets |
8.74 |
9.11 |
9.67 |
7.30 |
2.27 |
3.08 |
11.21 |
10.50 |
12. |
Ratio of net interest margin to total assets |
4.09 |
4.23 |
1.06 |
1.28 |
1.15 |
1.90 |
4.52 |
4.29 |
13. |
Ratio of non-interest income to total assets |
1.15 |
1.51 |
2.41 |
2.10 |
8.00 |
7.21 |
2.66 |
2.80 |
14. |
Ratio of intermediation cost to total assets |
2.33 |
3.61 |
2.75 |
2.78 |
4.05 |
4.25 |
3.29 |
3.48 |
15. |
Ratio of wage bills to intermediation cost |
21.58 |
13.42 |
39.74 |
41.24 |
50.79 |
56.91 |
26.19 |
26.56 |
16. |
Ratio of wage bills to total expenses |
7.21 |
5.71 |
9.63 |
13.02 |
39.78 |
44.53 |
8.63 |
9.54 |
17. |
Ratio of wage bills to total income |
5.08 |
4.57 |
9.06 |
12.19 |
20.05 |
23.48 |
6.21 |
6.95 |
18. |
Ratio of burden to total assets |
1.18 |
2.10 |
0.35 |
0.68 |
-3.94 |
-2.97 |
0.63 |
0.68 |
19. |
Ratio of burden to interest income |
13.50 |
23.10 |
3.58 |
9.34 |
-173.43 |
-96.35 |
5.61 |
6.46 |
20. |
Ratio of operating profits to total assets |
2.91 |
2.12 |
0.71 |
0.60 |
5.09 |
4.86 |
3.89 |
3.61 |
21. |
Return on assets |
0.13 |
0.27 |
0.02 |
0.04 |
4.11 |
5.87 |
3.69 |
3.14 |
22. |
Return on equity |
0.49 |
1.06 |
0.16 |
0.29 |
27.85 |
29.75 |
28.58 |
25.01 |
23. |
Cost of deposits |
6.88 |
6.63 |
9.05 |
7.23 |
1.16 |
1.35 |
8.08 |
7.00 |
24. |
Cost of borrowings |
6.09 |
6.88 |
12.18 |
7.00 |
.. |
.. |
7.00 |
6.96 |
25. |
Cost of funds |
6.52 |
6.76 |
10.07 |
7.12 |
1.17 |
1.36 |
7.77 |
6.98 |
26. |
Return on advances |
9.43 |
10.19 |
11.36 |
10.26 |
5.16 |
15.66 |
14.14 |
14.67 |
27. |
Return on investments |
12.10 |
9.26 |
11.05 |
8.52 |
8.64 |
12.72 |
12.53 |
8.97 |
28. |
Return on advances adjusted to cost of funds |
2.91 |
3.43 |
1.29 |
3.14 |
3.99 |
14.30 |
6.37 |
7.69 |
29. |
Return on investments adjusted to cost of funds |
5.58 |
2.50 |
0.98 |
1.40 |
7.47 |
11.36 |
4.76 |
1.99 |
30. |
Business per employee (in Rs. lakh) |
781.79 |
825.68 |
662.40 |
475.50 |
120.81 |
66.83 |
571.53 |
617.78 |
31. |
Profit per employee (in Rs. lakh) |
1.02 |
2.23 |
0.10 |
0.30 |
6.00 |
5.77 |
10.27 |
11.21 |
32. |
Capital adequacy ratio |
36.17 |
34.91 |
13.95 |
13.93 |
24.91 |
88.14 |
9.50 |
9.60 |
33. |
Capital adequacy ratio - Tier I |
36.17 |
34.91 |
13.71 |
13.28 |
24.91 |
88.14 |
6.00 |
6.70 |
34. |
Capital adequacy ratio - Tier II |
0.00 |
0.00 |
0.24 |
0.65 |
0.00 |
0.00 |
3.50 |
2.90 |
35. |
Ratio of net NPA to net advances |
18.58 |
9.61 |
8.66 |
7.27 |
0.00 |
0.00 |
2.04 |
1.53 |
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Standard |
State Bank of |
Sumitomo Bank |
The Fuji Bank |
|||||
Chartered |
Mauritius |
||||||||
Grindlays |
|||||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(73) |
(74) |
(75) |
(76) |
(77) |
(78) |
(79) |
(80) |
||
|
|||||||||
1. |
Cash-deposit ratio |
7.74 |
7.43 |
24.45 |
11.31 |
6.18 |
3.54 |
5.01 |
3.10 |
2. |
Credit-deposit ratio |
49.94 |
45.28 |
205.72 |
115.75 |
197.62 |
103.91 |
177.75 |
133.02 |
3. |
Investment-deposit ratio |
57.64 |
48.60 |
61.91 |
64.73 |
56.49 |
30.70 |
55.63 |
47.48 |
4. |
(Credit + investment)-deposit ratio |
107.57 |
93.88 |
267.63 |
180.48 |
254.11 |
134.61 |
233.37 |
180.50 |
5. |
Ratio of deposits to total liabilities |
73.73 |
67.77 |
30.69 |
44.71 |
34.36 |
67.20 |
34.06 |
46.40 |
6. |
Ratio of term deposits to total deposits |
65.57 |
57.52 |
83.93 |
93.74 |
78.28 |
97.10 |
98.56 |
98.05 |
7. |
Ratio of priority sector advances to total advances |
4.36 |
3.59 |
30.06 |
22.99 |
34.98 |
35.61 |
38.24 |
19.45 |
8. |
Ratio of term-loans to total advances |
71.80 |
66.42 |
25.30 |
38.06 |
85.24 |
88.55 |
22.50 |
20.26 |
9. |
Ratio of secured advances to total advances |
71.82 |
65.55 |
92.59 |
87.25 |
84.87 |
87.11 |
78.91 |
59.07 |
10. |
Ratio of investments in non-approved securities to total investments |
40.72 |
34.10 |
22.65 |
21.92 |
81.26 |
100.00 |
100.00 |
100.00 |
11. |
Ratio of Interest income to total assets |
10.11 |
10.78 |
9.19 |
9.29 |
10.92 |
9.94 |
8.84 |
10.76 |
12. |
Ratio of net interest margin to total assets |
4.24 |
5.25 |
3.55 |
3.17 |
3.48 |
2.53 |
2.00 |
3.02 |
13. |
Ratio of non-interest income to total assets |
2.43 |
1.74 |
1.82 |
1.62 |
1.02 |
0.85 |
0.70 |
1.22 |
14. |
Ratio of intermediation cost to total assets |
2.73 |
4.24 |
1.05 |
0.87 |
2.09 |
2.67 |
2.99 |
2.61 |
15. |
Ratio of wage bills to intermediation cost |
52.49 |
38.89 |
35.98 |
25.72 |
42.86 |
38.54 |
31.75 |
35.75 |
16. |
Ratio of wage bills to total expenses |
16.65 |
16.89 |
5.64 |
3.19 |
9.41 |
10.22 |
9.67 |
9.00 |
17. |
Ratio of wage bills to total income |
11.42 |
13.18 |
3.43 |
2.04 |
7.51 |
9.55 |
9.96 |
7.77 |
18. |
Ratio of burden to total assets |
0.30 |
2.50 |
-0.77 |
-0.75 |
1.07 |
1.82 |
2.29 |
1.38 |
19. |
Ratio of burden to interest income |
2.98 |
23.22 |
-8.35 |
-8.06 |
9.81 |
18.35 |
25.93 |
12.86 |
20. |
Ratio of operating profits to total assets |
3.94 |
2.75 |
4.31 |
3.91 |
2.41 |
0.70 |
-0.29 |
1.64 |
21. |
Return on assets |
1.57 |
3.14 |
1.48 |
1.05 |
2.75 |
0.70 |
2.76 |
-3.53 |
22. |
Return on equity |
16.92 |
7.99 |
6.12 |
4.38 |
1.31 |
-9.00 |
-12.27 |
-14.57 |
23. |
Cost of deposits |
7.06 |
5.77 |
10.55 |
9.21 |
5.51 |
5.29 |
11.53 |
11.62 |
24. |
Cost of borrowings |
4.07 |
6.87 |
6.10 |
8.09 |
13.19 |
15.52 |
6.87 |
8.83 |
25. |
Cost of funds |
6.75 |
5.93 |
8.41 |
8.69 |
9.08 |
9.05 |
9.57 |
10.33 |
26. |
Return on advances |
12.49 |
14.57 |
11.19 |
11.58 |
13.61 |
11.69 |
9.77 |
13.19 |
27. |
Return on investments |
11.37 |
13.14 |
10.76 |
9.00 |
8.88 |
9.08 |
10.21 |
10.75 |
28. |
Return on advances adjusted to cost of funds |
5.74 |
8.64 |
2.78 |
2.89 |
4.53 |
2.64 |
0.21 |
2.86 |
29. |
Return on investments adjusted to cost of funds |
4.62 |
7.22 |
2.35 |
0.31 |
-0.20 |
0.04 |
0.64 |
0.42 |
30. |
Business per employee (in Rs. lakh) |
386.38 |
618.00 |
1304.40 |
1292.10 |
760.18 |
1189.00 |
693.02 |
544.00 |
31. |
Profit per employee (in Rs. lakh) |
5.77 |
11.00 |
20.60 |
14.10 |
1.88 |
1.50 |
-26.79 |
-25.01 |
32. |
Capital adequacy ratio |
10.93 |
12.52 |
35.23 |
30.78 |
18.43 |
19.40 |
25.29 |
18.38 |
33. |
Capital adequacy ratio - Tier I |
5.98 |
6.90 |
35.16 |
30.55 |
18.43 |
19.24 |
25.29 |
18.21 |
34. |
Capital adequacy ratio - Tier II |
4.95 |
5.62 |
0.07 |
0.23 |
0.00 |
0.16 |
0.00 |
0.17 |
35. |
Ratio of net NPA to net advances |
0.03 |
0.41 |
7.76 |
18.93 |
16.13 |
16.76 |
10.28 |
3.24 |
|
(per cent) |
|||||
|
|||||
As on March 31 |
|||||
|
|||||
Ratios |
The Siam |
Toronto Dominion |
|||
Commercial Bank |
Bank |
||||
|
|||||
2000 |
2001 |
2000 |
2001 |
||
|
|||||
(81) |
(82) |
(83) |
(84) |
||
|
|||||
1. |
Cash-deposit ratio |
3.25 |
12.34 |
.. |
269.63 |
2. |
Credit-deposit ratio |
188.19 |
269.18 |
.. |
3636.45 |
3. |
Investment-deposit ratio |
40.43 |
93.15 |
.. |
1301.93 |
4. |
(Credit + investment)-deposit ratio |
228.62 |
362.33 |
.. |
4938.38 |
5. |
Ratio of deposits to total liabilities |
35.60 |
22.40 |
0.00 |
1.73 |
6. |
Ratio of term deposits to total deposits |
34.18 |
88.67 |
.. |
100.00 |
7. |
Ratio of priority sector advances to total advances |
22.14 |
12.75 |
22.62 |
23.02 |
8. |
Ratio of term-loans to total advances |
34.14 |
40.26 |
77.38 |
76.98 |
9. |
Ratio of secured advances to total advances |
100.00 |
100.00 |
0.00 |
100.00 |
10. |
Ratio of investments in non-approved securities to total investments |
34.29 |
25.52 |
38.46 |
35.73 |
11. |
Ratio of Interest income to total assets |
12.25 |
8.43 |
10.78 |
14.00 |
12. |
Ratio of net interest margin to total assets |
6.06 |
1.71 |
9.40 |
9.51 |
13. |
Ratio of non-interest income to total assets |
1.73 |
1.30 |
1.41 |
1.82 |
14. |
Ratio of intermediation cost to total assets |
2.30 |
3.42 |
3.20 |
3.12 |
15. |
Ratio of wage bills to intermediation cost |
17.38 |
11.44 |
32.07 |
35.15 |
16. |
Ratio of wage bills to total expenses |
4.71 |
3.86 |
22.39 |
14.40 |
17. |
Ratio of wage bills to total income |
2.86 |
4.02 |
8.42 |
6.93 |
18. |
Ratio of burden to total assets |
0.57 |
2.12 |
1.79 |
1.30 |
19. |
Ratio of burden to interest income |
4.66 |
25.18 |
16.63 |
9.28 |
20. |
Ratio of operating profits to total assets |
5.48 |
-0.41 |
7.61 |
8.21 |
21. |
Return on assets |
2.25 |
-2.28 |
2.90 |
4.84 |
22. |
Return on equity |
8.95 |
-8.78 |
5.63 |
6.23 |
23. |
Cost of deposits |
8.67 |
13.76 |
.. |
3.01 |
24. |
Cost of borrowings |
15.12 |
8.95 |
0.00 |
13.60 |
25. |
Cost of funds |
10.51 |
11.31 |
4.00 |
13.37 |
26. |
Return on advances |
15.06 |
9.32 |
11.45 |
15.44 |
27. |
Return on investments |
10.80 |
10.60 |
18.25 |
15.39 |
28. |
Return on advances adjusted to cost of funds |
4.55 |
-1.99 |
7.46 |
2.07 |
29. |
Return on investments adjusted to cost of funds |
0.29 |
-0.72 |
14.26 |
2.02 |
30. |
Business per employee (in Rs. lakh) |
976.72 |
941.20 |
384.68 |
645.63 |
31. |
Profit per employee (in Rs. lakh) |
22.00 |
-25.89 |
31.99 |
37.57 |
32. |
Capital adequacy ratio |
28.00 |
33.23 |
51.98 |
57.87 |
33. |
Capital adequacy ratio - Tier I |
28.00 |
33.05 |
51.21 |
56.60 |
34. |
Capital adequacy ratio - Tier II |
0.00 |
0.18 |
0.77 |
1.27 |
35. |
Ratio of net NPA to net advances |
5.17 |
39.18 |
0.00 |
0.00 |
|
OTHER SCHEDULED COMMERCIAL BANKS |
|||||||||
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Bank of |
Bank of |
Bank of |
Benares |
|||||
Madura * |
Punjab |
Rajasthan |
State Bank |
||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
||
|
|||||||||
1. |
Cash-deposit ratio |
12.56 |
9.97 |
6.78 |
11.00 |
11.98 |
14.85 |
8.46 |
|
2. |
Credit-deposit ratio |
45.87 |
49.91 |
49.46 |
53.31 |
52.84 |
25.67 |
22.28 |
|
3. |
Investment-deposit ratio |
47.17 |
49.75 |
48.06 |
38.41 |
44.41 |
54.16 |
61.14 |
|
4. |
(Credit + investment)-deposit ratio |
93.04 |
99.65 |
97.53 |
91.72 |
97.25 |
79.84 |
83.42 |
|
5. |
Ratio of deposits to total liabilities |
81.71 |
81.62 |
81.59 |
78.53 |
81.33 |
89.94 |
90.95 |
|
6. |
Ratio of term deposits to total deposits |
64.04 |
68.25 |
71.87 |
59.48 |
58.27 |
68.23 |
69.05 |
|
7. |
Ratio of priority sector advances to total advances |
28.93 |
26.79 |
15.27 |
29.25 |
27.68 |
36.71 |
35.22 |
|
8. |
Ratio of term-loans to total advances |
39.64 |
38.24 |
47.79 |
31.49 |
31.18 |
25.72 |
22.53 |
|
9. |
Ratio of secured advances to total advances |
67.06 |
71.69 |
84.21 |
92.91 |
94.57 |
99.29 |
98.52 |
|
10. |
Ratio of investments in non-approved securities to total investments |
28.07 |
28.79 |
34.25 |
17.41 |
32.32 |
54.95 |
49.33 |
|
11. |
Ratio of Interest income to total assets |
9.17 |
9.89 |
9.83 |
10.25 |
10.44 |
9.89 |
9.43 |
|
12. |
Ratio of net interest margin to total assets |
2.58 |
2.77 |
3.27 |
2.40 |
3.14 |
1.35 |
0.96 |
|
13. |
Ratio of non-interest income to total assets |
2.45 |
1.74 |
1.24 |
1.37 |
1.33 |
1.78 |
1.62 |
|
14. |
Ratio of intermediation cost to total assets |
2.66 |
2.49 |
2.64 |
3.30 |
3.11 |
3.07 |
3.32 |
|
15. |
Ratio of wage bills to intermediation cost |
58.45 |
11.74 |
9.63 |
70.34 |
65.66 |
69.61 |
74.33 |
|
16. |
Ratio of wage bills to total expenses |
16.81 |
3.04 |
2.76 |
20.81 |
19.63 |
18.38 |
20.93 |
|
17. |
Ratio of wage bills to total income |
13.39 |
2.51 |
2.30 |
19.97 |
17.36 |
18.29 |
22.34 |
|
18. |
Ratio of burden to total assets |
0.21 |
0.75 |
1.40 |
1.93 |
1.78 |
1.29 |
1.70 |
|
19. |
Ratio of burden to interest income |
2.34 |
7.55 |
14.29 |
18.82 |
17.05 |
13.04 |
18.06 |
|
20. |
Ratio of operating profits to total assets |
2.37 |
2.03 |
1.87 |
0.47 |
1.36 |
0.06 |
-0.75 |
|
21. |
Return on assets |
1.12 |
1.04 |
0.93 |
0.30 |
0.74 |
0.57 |
1.19 |
|
22. |
Return on equity |
19.86 |
20.80 |
20.11 |
5.45 |
14.82 |
-8.19 |
-20.40 |
|
23. |
Cost of deposits |
7.27 |
8.02 |
7.32 |
9.74 |
9.06 |
9.47 |
9.33 |
|
24. |
Cost of borrowings |
3.69 |
9.40 |
7.15 |
9.97 |
1.51 |
10.40 |
7.07 |
|
25. |
Cost of funds |
7.07 |
8.11 |
7.31 |
9.75 |
9.01 |
9.48 |
9.32 |
|
26. |
Return on advances |
12.10 |
11.62 |
11.47 |
12.71 |
12.23 |
11.25 |
11.40 |
|
27. |
Return on investments |
10.27 |
12.37 |
12.21 |
12.81 |
12.62 |
14.64 |
12.77 |
|
28. |
Return on advance adjusted to cost of funds |
5.03 |
3.51 |
4.17 |
2.97 |
3.22 |
1.77 |
2.08 |
|
29. |
Return on investment adjusted to cost of funds |
3.20 |
4.26 |
4.90 |
3.07 |
3.60 |
5.16 |
3.45 |
|
30. |
Business per employee (in Rs. lakh) |
202.00 |
712.05 |
645.68 |
111.37 |
123.55 |
86.03 |
100.13 |
|
31. |
Profit per employee (in Rs. lakh) |
1.73 |
6.03 |
4.94 |
0.28 |
0.75 |
0.40 |
-1.04 |
|
32. |
Capital adequacy ratio |
15.83 |
9.81 |
11.02 |
5.73 |
10.57 |
Neg. |
Neg. |
|
33. |
Capital adequacy ratio - Tier I |
14.72 |
9.81 |
8.52 |
5.10 |
8.91 |
Neg. |
Neg. |
|
34. |
Capital adequacy ratio - Tier II |
1.11 |
0.00 |
2.50 |
0.63 |
1.66 |
Neg. |
Neg. |
|
35. |
Ratio of net NPA to net advances |
4.70 |
2.32 |
2.31 |
9.65 |
12.00 |
24.70 |
4.39 |
|
|
(per cent) |
|||||||||
|
|||||||||
As on March 31 |
|||||||||
|
|||||||||
Ratios |
Bharat Overseas |
Catholic Syrian |
Centurion |
City Union |
|||||
Bank |
Bank |
Bank |
Bank |
||||||
|
|||||||||
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
||
|
|||||||||
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
||
|
|||||||||
1. |
Cash-deposit ratio |
5.77 |
5.23 |
7.44 |
5.82 |
8.60 |
7.63 |
10.01 |
10.01 |
2. |
Credit-deposit ratio |
48.82 |
48.38 |
43.16 |
45.50 |
47.58 |
47.64 |
57.40 |
54.38 |
3. |
Investment-deposit ratio |
32.40 |
34.11 |
40.47 |
39.53 |
56.88 |
50.66 |
39.61 |
40.35 |
4. |
(Credit + investment)-deposit ratio |
81.22 |
82.48 |
83.63 |
85.03 |
104.46 |
98.31 |
97.00 |
94.73 |
5. |
Ratio of deposits to total liabilities |
87.14 |
86.41 |
91.30 |
92.91 |
74.02 |
72.41 |
86.93 |
88.67 |
6. |
Ratio of term deposits to total deposits |
77.15 |
78.42 |
74.77 |
76.23 |
88.46 |
82.87 |
75.99 |
76.25 |
7. |
Ratio of priority sector advances to total advances |
25.26 |
25.65 |
28.89 |
25.46 |
5.31 |
14.53 |
33.91 |
33.88 |
8. |
Ratio of term-loans to total advances |
21.81 |
24.20 |
40.17 |
41.26 |
49.90 |
55.30 |
22.95 |
23.62 |
9. |
Ratio of secured advances to total advances |
85.34 |
80.18 |
94.03 |
93.86 |
83.95 |
84.18 |
96.09 |
95.94 |
10. |
Ratio of investments in non-approved securities to total investments |
14.23 |
13.37 |
24.05 |
22.66 |
48.58 |
25.25 |
22.31 |
17.39 |
11. |
Ratio of Interest income to total assets |
8.90 |
9.00 |
11.31 |
11.02 |
10.63 |
9.86 |
11.89 |
11.01 |
12. |
Ratio of net interest margin to total assets |
2.22 |
2.95 |
2.52 |
2.86 |
1.93 |
1.84 |
3.16 |
3.19 |
13. |
Ratio of non-interest income to total assets |
1.27 |
1.46 |
1.68 |
1.70 |
2.13 |
1.77 |
2.24 |
1.72 |
14. |
Ratio of intermediation cost to total assets |
2.19 |
2.33 |
3.18 |
2.85 |
2.50 |
2.57 |
2.08 |
1.97 |
15. |
Ratio of wage bills to intermediation cost |
49.82 |
45.84 |
73.97 |
74.74 |
10.49 |
10.76 |
64.19 |
62.04 |
16. |
Ratio of wage bills to total expenses |
12.30 |
12.72 |
19.66 |
19.35 |
2.34 |
2.61 |
12.34 |
12.47 |
17. |
Ratio of wage bills to total income |
10.73 |
10.19 |
18.12 |
16.75 |
2.05 |
2.38 |
9.44 |
9.59 |
18. |
Ratio of burden to total assets |
0.92 |
0.86 |
1.50 |
1.15 |
0.37 |
0.80 |
-0.16 |
0.25 |
19. |
Ratio of burden to interest income |
10.34 |
9.59 |
13.25 |
10.43 |
3.44 |
8.10 |
-1.35 |
2.23 |
20. |
Ratio of operating profits to total assets |
1.30 |
2.09 |
1.02 |
1.71 |
1.56 |
1.04 |
3.32 |
2.95 |
21. |
Return on assets |
0.07 |
1.04 |
0.25 |
0.38 |
0.82 |
0.13 |
1.28 |
1.21 |
22. |
Return on equity |
1.23 |
18.93 |
12.24 |
17.84 |
17.86 |
3.28 |
20.60 |
19.17 |
23. |
Cost of deposits |
7.48 |
6.69 |
9.19 |
8.59 |
9.12 |
8.08 |
9.77 |
8.63 |
24. |
Cost of borrowings |
4.94 |
7.44 |
3.78 |
3.81 |
5.68 |
4.19 |
5.88 |
7.24 |
25. |
Cost of funds |
7.39 |
6.71 |
9.04 |
8.50 |
8.45 |
7.34 |
9.66 |
8.60 |
26. |
Return on advances |
11.04 |
10.82 |
14.24 |
13.25 |
13.52 |
13.55 |
14.87 |
13.76 |
27. |
Return on investments |
10.98 |
10.81 |
13.33 |
12.93 |
10.69 |
10.09 |
12.76 |
11.39 |
28. |
Return on advances adjusted to cost of funds |
3.65 |
4.10 |
5.20 |
4.75 |
5.07 |
6.21 |
5.21 |
5.16 |
29. |
Return on investments adjusted to cost of funds |
3.59 |
4.10 |
4.29 |
4.43 |
2.24 |
2.75 |
3.10 |
2.79 |
30. |
Business per employee (in Rs. lakh) |
205.00 |
233.00 |
107.00 |
125.42 |
688.73 |
636.16 |
155.94 |
167.35 |
31. |
Profit per employee (in Rs. lakh) |
0.10 |
1.67 |
0.21 |
0.37 |
9.14 |
7.04 |
1.48 |
1.58 |
32. |
Capital adequacy ratio |
12.68 |
14.43 |
5.94 |
6.08 |
15.62 |
16.49 |
13.33 |
13.59 |
33. |
Capital adequacy ratio - Tier I |
12.29 |
12.48 |
3.89 |
4.47 |
6.31 |
6.88 |
13.05 |
13.26 |
34. |
Capital adequacy ratio - Tier II |
0.39 |
1.95 |
2.05 |
1.61 |
9.31 |
9.61 |
0.28 |
0.33 |
35. |
Ratio of net NPA to net advances |
6.39 |
4.14 |
12.41 |
9.99 |
2.70 |
2.96 |
7.26 |
8.20 |
|
*: During March 2001, Bank of Madura has been merged with ICICI Bank. |