(per cent)

As on March 31

Ratios

Allahabad Bank

Andhra Bank

Bank of Baroda

Bank of India

2001

2002

2001

2002

2001

2002

2001

2002

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1. Cash-deposit ratio

10.52

7.35

8.91

6.89

8.09

4.18

7.42

6.08

2. Credit-deposit ratio

47.66

48.50

40.58

52.34

50.79

54.47

61.58

64.16

3. Investment-deposit ratio

43.37

45.70

54.04

45.53

36.78

38.56

35.27

36.98

4. (Credit + investment)-deposit ratio

91.03

94.20

94.63

97.87

87.57

93.03

96.84

101.15

5. Ratio of deposits to total liabilities

91.16

91.53

89.71

88.32

85.26

87.16

86.76

85.54

6. Ratio of term deposits to total deposits

57.98

57.77

75.23

71.69

67.01

67.03

66.99

66.37

7. Ratio of priority sector advances to total advances

42.36

41.91

35.73

34.06

24.29

22.80

23.88

23.97

8. Ratio of term-loans to total advances

45.05

42.42

34.56

34.79

33.66

35.82

41.79

40.94

9. Ratio of secured advances to total advances

81.58

84.34

90.18

86.42

90.10

88.84

84.90

81.43

10. Ratio of investments in non-approved securities to total investments

13.94

15.82

10.93

11.95

31.01

28.85

22.09

27.89

11. Ratio of Interest income to total assets

9.90

9.71

10.36

9.82

9.44

8.87

9.20

8.67

12. Ratio of net interest margin to total assets

3.26

3.12

2.77

2.78

3.18

2.80

2.86

2.84

13. Ratio of non-interest income to total assets

1.16

1.64

1.13

1.47

1.16

1.48

1.49

1.71

14. Ratio of intermediation cost to total assets

3.15

3.02

2.52

2.20

2.64

2.33

3.02

2.37

15. Ratio of wage bills to intermediation cost

73.08

69.61

74.23

68.69

71.27

67.56

76.78

70.99

16. Ratio of wage bills to total expenses

23.51

21.89

18.50

16.34

21.11

18.73

24.76

20.51

17. Ratio of wage bills to total income

20.81

18.53

16.29

13.36

17.73

15.20

21.67

16.19

18. Ratio of burden to total assets

1.99

1.38

1.39

0.73

1.48

0.85

1.53

0.66

19. Ratio of burden to interest income

20.07

14.19

13.43

7.39

15.66

9.57

16.59

7.62

20. Ratio of operating profits to total assets

1.27

1.74

1.37

2.06

1.70

1.95

1.34

2.18

21. Return on assets

0.18

0.32

0.59

0.97

0.45

0.81

0.44

0.78

22. Return on equity

4.42

8.45

18.10

24.66

8.33

15.20

9.69

18.40

23. Cost of deposits

7.17

7.05

7.96

7.63

6.80

6.65

6.47

5.95

24. Cost of borrowings

4.23

1.82

19.86

10.08

11.55

8.83

18.71

12.29

25. Cost of funds

7.17

7.04

8.07

7.66

6.86

6.68

6.91

6.23

26. Return on advances

11.94

10.87

12.22

11.47

11.34

10.02

10.97

9.39

27. Return on investments

10.99

11.05

11.79

10.80

11.20

10.84

10.35

9.52

28. Return on advances adjusted to cost of funds

4.77

3.83

4.15

3.81

4.48

3.34

4.06

3.16

29. Return on investments adjusted to cost of funds

3.82

4.02

3.72

3.14

4.34

4.16

3.44

3.29

30. Business per employee (in Rs. lakh)

129.00

153.00

153.62

195.96

166.11

222.76

184.26

218.74

31. Profit per employee (in Rs. lakh)

0.19

0.40

0.95

1.58

0.59

1.40

0.57

1.16

32. Capital adequacy ratio

10.50

10.62

23.11

12.59

12.80

11.32

12.23

10.68

33. Capital adequacy ratio - Tier I

6.70

6.22

13.40

8.80

8.49

7.56

7.62

6.37

34. Capital adequacy ratio - Tier II

3.80

4.40

9.76

3.79

4.31

3.76

4.61

4.31

35. Ratio of net NPA to net advances

11.23

10.57

2.95

2.45

6.77

5.06

6.72

6.02

Source: Compiled from annual accounts of banks of respective years.

(per cent)

As on March 31

Ratios

Bank of Maharashtra

Canara Bank

Central Bank of India

Corporation Bank

2001

2002

2001

2002

2001

2002

2001

2002

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1. Cash-deposit ratio

10.86

8.56

6.58

12.28

9.91

6.48

6.57

7.06

2. Credit-deposit ratio

39.19

43.15

47.12

51.74

45.36

45.16

52.33

58.06

3. Investment-deposit ratio

51.93

51.80

36.31

36.26

46.43

44.76

41.43

42.57

4. (Credit + investment)-deposit ratio

91.12

94.95

83.42

88.00

91.79

89.92

93.76

100.63

5. Ratio of deposits to total liabilities

89.42

89.10

88.91

88.67

87.85

89.59

84.05

80.17

6. Ratio of term deposits to total deposits

65.79

65.57

65.07

66.17

60.33

60.57

73.53

73.99

7. Ratio of priority sector advances to total advances

37.79

35.40

28.99

28.04

38.07

38.54

33.10

37.31

8. Ratio of term-loans to total advances

43.13

42.82

31.37

31.06

39.51

39.42

45.22

41.44

9. Ratio of secured advances to total advances

92.20

82.73

83.88

84.94

88.50

88.91

86.23

79.16

10. Ratio of investments in non-approved securities to total investments

14.53

14.77

25.40

23.26

24.16

25.66

28.30

24.17

11. Ratio of Interest income to total assets

9.96

9.86

9.30

9.19

9.61

9.33

9.90

8.99

12. Ratio of net interest margin to total assets

3.26

2.90

3.12

2.63

3.27

3.07

3.19

2.89

13. Ratio of non-interest income to total assets

1.30

1.52

1.52

2.06

1.06

1.20

1.60

1.76

14. Ratio of intermediation cost to total assets

3.16

2.37

2.76

2.30

3.26

2.87

1.87

1.77

15. Ratio of wage bills to intermediation cost

78.36

70.04

75.05

70.48

79.56

78.17

58.59

55.67

16. Ratio of wage bills to total expenses

25.10

17.76

23.18

18.27

27.02

24.57

12.78

12.55

17. Ratio of wage bills to total income

21.97

14.56

19.17

14.39

24.34

21.28

9.54

9.19

18. Ratio of burden to total assets

1.86

0.85

1.24

0.24

2.21

1.66

0.27

0.01

19. Ratio of burden to interest income

18.66

8.60

13.38

2.58

22.95

17.83

2.73

0.12

20. Ratio of operating profits to total assets

1.40

2.05

1.87

2.39

1.06

1.41

2.92

2.88

21. Return on assets

0.24

0.68

0.43

1.03

0.10

0.31

1.55

1.60

22. Return on equity

8.05

22.80

10.54

23.59

1.82

7.20

21.01

18.16

23. Cost of deposits

7.19

7.47

6.68

7.07

7.06

6.75

7.68

7.24

24. Cost of borrowings

2.85

1.67

2.06

1.42

3.61

1.50

4.38

1.84

25. Cost of funds

7.09

7.36

6.56

6.93

7.03

6.71

7.59

6.95

26. Return on advances

11.79

11.18

11.37

10.27

11.36

10.81

11.36

10.14

27. Return on investments

11.47

11.73

10.78

11.18

11.80

11.06

11.60

11.04

28. Return on advances adjusted to cost of funds

4.70

3.83

4.81

3.34

4.34

4.10

3.77

3.19

29. Return on investments adjusted to cost of funds

4.38

4.37

4.22

4.25

4.78

4.35

4.02

4.09

30. Business per employee (in Rs. lakh)

164.77

191.44

190.67

214.88

110.38

148.77

245.31

290.44

31. Profit per employee (in Rs. lakh)

0.32

1.02

0.63

1.64

0.10

0.40

2.55

3.00

32. Capital adequacy ratio

10.64

11.16

9.84

11.88

10.02

9.58

13.30

17.90

33. Capital adequacy ratio - Tier I

6.39

6.56

7.31

8.07

5.74

5.20

13.00

16.80

34. Capital adequacy ratio - Tier II

4.25

4.60

2.53

3.81

4.28

4.38

0.30

1.10

35. Ratio of net NPA to net advances

7.41

5.81

4.84

3.89

9.72

7.98

1.98

2.31

Source: Compiled from annual accounts of banks of respective years.

(per cent)

As on March 31

Ratios

Dena Bank

Indian Bank

Indian Overseas Bank

Oriental Bank of Commerce

2001

2002

2001

2002

2001

2002

2001

2002

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

1. Cash-deposit ratio

8.22

6.67

6.58

5.34

8.54

6.96

8.22

8.25

2. Credit-deposit ratio

48.05

48.99

43.49

45.38

47.77

47.67

44.88

49.70

3. Investment-deposit ratio

46.77

49.81

46.10

51.62

42.94

47.37

49.83

48.18

4. (Credit + investment)-deposit ratio

94.82

98.80

89.59

96.99

90.71

95.04

94.71

97.87

5. Ratio of deposits to total liabilities

81.37

81.49

81.43

79.43

90.49

89.75

91.16

88.30

6. Ratio of term deposits to total deposits

61.68

60.64

71.76

70.65

68.44

70.02

74.40

74.88

7. Ratio of priority sector advances to total advances

39.12

37.60

23.85

29.75

30.95

32.16

38.76

38.53

8. Ratio of term-loans to total advances

43.51

45.02

22.63

27.24

26.12

30.74

33.31

41.82

9. Ratio of secured advances to total advances

97.32

96.27

87.87

86.19

91.33

89.73

94.61

89.63

10. Ratio of investments in non-approved securities to total investments

33.09

27.42

16.75

14.27

16.21

14.81

36.08

34.06

11. Ratio of Interest income to total assets

9.88

9.30

8.37

8.06

9.65

9.65

10.69

10.25

12. Ratio of net interest margin to total assets

2.58

2.41

1.95

1.87

3.04

2.95

3.06

3.28

13. Ratio of non-interest income to total assets

1.15

1.92

1.26

1.76

1.04

1.61

1.04

1.60

14. Ratio of intermediation cost to total assets

3.34

2.51

2.96

2.55

3.03

2.69

2.03

1.78

15. Ratio of wage bills to intermediation cost

74.93

70.06

79.78

77.57

76.34

74.58

60.11

54.54

16. Ratio of wage bills to total expenses

23.52

18.69

25.19

22.62

23.99

21.38

12.64

11.11

17. Ratio of wage bills to total income

22.68

15.65

24.55

20.14

21.61

17.82

10.41

8.21

18. Ratio of burden to total assets

2.19

0.58

1.70

0.79

1.98

1.08

0.99

0.19

19. Ratio of burden to interest income

22.19

6.29

20.35

9.76

20.55

11.16

9.30

1.81

20. Ratio of operating profits to total assets

0.39

1.83

0.25

1.08

1.06

1.88

2.07

3.09

21. Return on assets

0.00

0.06

0.00

0.13

0.38

0.65

0.80

1.00

22. Return on equity

-33.11

1.29

-9.47

0.94

13.78

22.29

13.63

20.23

23. Cost of deposits

8.18

7.79

7.51

7.37

7.17

7.15

8.28

7.64

24. Cost of borrowings

4.94

6.44

26.12

17.80

7.66

11.80

3.13

2.27

25. Cost of funds

8.05

7.76

7.71

7.49

7.18

7.17

8.20

7.55

26. Return on advances

11.88

11.15

11.59

10.65

10.95

10.86

11.79

11.22

27. Return on investments

11.89

11.40

11.24

10.37

11.33

11.05

12.08

11.82

28. Return on advances adjusted to cost of funds

3.83

3.38

3.88

3.17

3.77

3.69

3.59

3.67

29. Return on investments adjusted to cost of funds

3.84

3.64

3.53

2.88

4.15

3.88

3.88

4.26

30. Business per employee (in Rs. lakh)

207.00

221.00

136.00

156.00

141.40

175.41

263.20

318.00

31. Profit per employee (in Rs. lakh)

0.00

0.11

0.00

0.15

0.45

0.93

1.50

2.40

32. Capital adequacy ratio

7.73

7.64

0.00

1.70

10.24

10.82

12.17

10.99

33. Capital adequacy ratio - Tier I

4.38

4.36

0.00

0.85

5.81

6.17

11.81

8.89

34. Capital adequacy ratio - Tier II

3.35

3.28

0.00

0.85

4.43

4.65

0.36

2.10

35. Ratio of net NPA to net advances

18.37

16.31

10.06

8.28

7.01

6.32

3.60

3.20

Source: Compiled from annual accounts of banks of respective years.

(per cent)

As on March 31

Ratios

Punjab & Sind Bank

Punjab National Bank

Syndicate Bank

UCO Bank

2001

2002

2001

2002

2001

2002

2001

2002

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

1. Cash-deposit ratio

8.41

6.90

9.56

7.96

7.80

6.91

9.49

4.97

2. Credit-deposit ratio

43.52

44.68

49.93

53.60

52.27

52.14

46.83

47.69

3. Investment-deposit ratio

46.19

46.02

44.77

43.99

42.04

41.72

50.35

45.82

4. (Credit + investment)-deposit ratio

89.71

90.70

94.70

97.59

94.31

93.86

97.18

93.51

5. Ratio of deposits to total liabilities

88.83

90.76

88.39

87.94

88.85

89.90

78.80

85.56

6. Ratio of term deposits to total deposits

69.01

67.05

55.74

55.68

62.84

62.09

60.99

63.20

7. Ratio of priority sector advances to total advances

40.68

40.87

38.73

39.11

29.05

27.55

27.25

31.05

8. Ratio of term-loans to total advances

40.84

37.69

35.22

39.08

54.83

41.76

36.07

40.79

9. Ratio of secured advances to total advances

93.46

95.20

95.94

96.29

75.65

66.95

75.40

86.77

10. Ratio of investments in non-approved securities to total investments

25.07

27.73

16.65

22.82

17.94

14.85

26.63

25.59

11. Ratio of Interest income to total assets

9.78

9.32

9.97

9.75

10.08

9.61

8.94

8.66

12. Ratio of net interest margin to total assets

2.66

2.33

3.47

3.37

3.95

3.69

2.60

2.49

13. Ratio of non-interest income to total assets

1.31

1.68

1.32

1.43

1.02

0.92

1.17

1.99

14. Ratio of intermediation cost to total assets

3.16

2.81

3.18

2.64

3.89

3.43

2.93

2.85

15. Ratio of wage bills to intermediation cost

76.29

73.66

77.96

73.16

81.82

79.33

82.83

82.07

16. Ratio of wage bills to total expenses

23.45

21.11

25.61

21.40

31.75

29.10

26.20

25.93

17. Ratio of wage bills to total income

21.73

18.80

21.97

17.26

28.68

25.83

24.02

21.98

18. Ratio of burden to total assets

1.85

1.13

1.86

1.20

2.87

2.51

1.76

0.86

19. Ratio of burden to interest income

18.88

12.09

18.64

12.36

28.50

26.10

19.71

9.98

20. Ratio of operating profits to total assets

0.81

1.21

1.61

2.16

1.07

1.18

0.84

1.62

21. Return on assets

0.10

0.17

0.73

0.77

0.91

0.98

0.14

0.60

22. Return on equity

3.12

5.27

18.76

18.59

20.73

19.06

1.25

6.11

23. Cost of deposits

7.58

7.48

6.97

6.85

6.75

6.37

7.74

7.03

24. Cost of borrowings

3.74

2.89

5.87

8.85

3.83

2.09

8.78

13.36

25. Cost of funds

7.50

7.45

6.95

6.87

6.73

6.35

7.77

7.13

26. Return on advances

11.80

10.88

11.16

10.63

12.47

11.43

10.75

10.23

27. Return on investments

11.33

11.06

11.61

11.26

11.09

10.75

11.24

10.81

28. Return on advances adjusted to cost of funds

4.30

3.44

4.21

3.76

5.74

5.08

2.98

3.09

29. Return on investments adjusted to cost of funds

3.83

3.61

4.66

4.39

4.36

4.40

3.48

3.68

30. Business per employee (in Rs. lakh)

168.08

181.67

141.95

167.76

133.68

155.12

97.00

134.00

31. Profit per employee (in Rs. lakh)

0.13

0.23

0.80

0.97

0.81

0.89

0.12

0.66

32. Capital adequacy ratio

11.42

10.70

10.24

10.70

11.72

12.12

9.05

9.64

33. Capital adequacy ratio - Tier I

6.87

6.37

6.84

6.34

7.88

8.47

5.36

4.89

34. Capital adequacy ratio - Tier II

4.55

4.33

3.40

4.36

3.84

3.65

3.69

4.75

35. Ratio of net NPA to net advances

12.27

11.70

6.69

5.32

4.05

4.63

6.35

5.45

Source: Compiled from annual accounts of banks of respective years.

(per cent)

As on March 31

Ratios

United Bank of India

United Bank of India

Vijaya Bank

2001

2002

2001

2002

2001

2002

(33)

(34)

(35)

(36)

(37)

(38)

1. Cash-deposit ratio

7.86

6.01

8.10

7.74

6.74

6.99

2. Credit-deposit ratio

50.18

53.74

31.06

34.79

45.28

42.21

3. Investment-deposit ratio

39.19

38.72

61.47

59.44

46.47

50.14

4. (Credit + investment)-deposit ratio

89.36

92.46

92.53

94.23

91.75

92.35

5. Ratio of deposits to total liabilities

89.51

89.68

86.01

86.10

88.61

90.93

6. Ratio of term deposits to total deposits

58.47

58.90

63.17

59.89

66.03

67.57

7. Ratio of priority sector advances to total advances

32.39

32.95

20.22

19.44

35.20

35.88

8. Ratio of term-loans to total advances

34.48

29.76

43.42

37.01

41.20

40.20

9. Ratio of secured advances to total advances

95.48

91.24

91.73

92.73

89.08

90.40

10. Ratio of investments in non-approved securities to total investments

26.11

24.81

23.53

20.04

26.71

22.27

11. Ratio of Interest income to total assets

10.09

9.64

9.42

9.19

10.03

10.12

12. Ratio of net interest margin to total assets

3.30

3.21

2.51

2.72

3.40

3.19

13. Ratio of non-interest income to total assets

0.84

1.20

0.80

1.78

1.16

1.24

14. Ratio of intermediation cost to total assets

2.76

2.32

2.64

3.43

3.24

2.77

15. Ratio of wage bills to intermediation cost

74.18

71.04

82.63

86.00

75.42

72.56

16. Ratio of wage bills to total expenses

21.40

18.84

22.85

29.76

24.77

20.74

17. Ratio of wage bills to total income

18.70

15.21

21.36

26.86

21.85

17.71

18. Ratio of burden to total assets

1.91

1.12

1.84

1.65

2.08

1.53

19. Ratio of burden to interest income

18.96

11.64

19.52

17.92

20.78

15.13

20. Ratio of operating profits to total assets

1.38

2.09

0.67

1.07

1.32

1.66

21. Return on assets

0.40

0.71

0.10

0.54

0.53

0.86

22. Return on equity

8.65

15.88

0.97

6.06

13.52

20.74

23. Cost of deposits

7.36

6.89

7.95

7.35

7.10

7.33

24. Cost of borrowings

6.60

10.39

4.52

0.66

3.91

1.89

25. Cost of funds

7.35

6.91

7.93

7.31

7.07

7.29

26. Return on advances

12.17

11.15

11.37

10.30

12.52

11.99

27. Return on investments

12.12

11.52

12.11

11.50

11.79

11.57

28. Return on advances adjusted to cost of funds

4.83

4.25

3.44

3.00

5.45

4.70

29. Return on investments adjusted to cost of funds

4.77

4.61

4.18

4.19

4.72

4.28

30. Business per employee (in Rs. lakh)

183.23

214.75

120.00

144.00

122.83

169.38

31. Profit per employee (in Rs. lakh)

0.55

1.22

0.10

0.66

0.53

1.16

32. Capital adequacy ratio

10.86

11.07

10.40

12.02

11.50

12.25

33. Capital adequacy ratio - Tier I

6.19

6.16

7.00

8.84

8.04

8.86

34. Capital adequacy ratio - Tier II

4.67

4.91

3.40

3.18

3.46

3.39

35. Ratio of net NPA to net advances

6.87

6.26

10.50

7.90

6.23

6.02

Source: Compiled from annual accounts of banks of respective years.