Table B11 : Selected Ratios of Scheduled Commercial Banks - 2007 and 2008 (Part 3 of 4)

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Table B11 : Selected Ratios of Scheduled Commercial Banks - 2007 and 2008 (Part 3 of 4)

TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.)
FOREIGN BANKS
(In per cent)
		As on March 31
		AB		ABN		Abu Dhabi		American
Ratios		Bank #		Amro Bank		Commercial Bank		Express Bank#
		2007	2008	2007	2008	2007	2008	2007	2008
		(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)
1.	Cash-Deposit ratio	4.08	4.48	10.08	11.31	6.95	10.42	6.49
2.	Credit-Deposit ratio	134.73	84.24	114.93	107.77	42.94	39.19	59.80
3.	Investment-Deposit ratio	37.39	36.66	40.05	62.28	30.30	39.09	73.53
4.	(Credit+Investment)-Deposit ratio	172.12	120.89	154.98	170.05	73.24	78.28	133.33
5.	Ratio of deposits to total liabilities	34.53	39.11	56.10	51.65	59.74	71.71	65.88
6.	Ratio of term deposits to total deposits	19.78	9.57	62.28	60.29	70.51	60.81	69.96
7.	Ratio of priority sector advances to total advances	28.21	31.11	32.63	36.55	10.04	13.07	6.07
8.	Ratio of term loan to total advances	40.99	62.76	51.15	50.81	19.52	16.46	38.57
9.	Ratio of secured advances to total advances	29.74	21.51	65.10	41.76	99.87	97.11	17.65
10.	Ratio of investments in non-approved securities	15.73	12.83	0.16	1.59	2.35	2.45	51.08
	to total investments
11.	Ratio of interest income to total assets	6.52	5.93	8.39	9.33	6.29	9.45	7.51
12.	Ratio of net interest margin to total assets	5.75	5.35	4.41	4.85	1.94	5.56	3.18
13.	Ratio of non-interest income to total assets	6.98	5.92	3.31	1.98	2.08	4.27	9.86
14.	Ratio of intermediation cost to total assets	6.00	3.98	3.73	4.01	2.55	3.90	8.82
15.	Ratio of wage bills to intermediation cost	19.08	24.24	34.47	42.16	27.67	21.79	40.31
16.	Ratio of wage bills to total expense	16.93	21.18	16.65	19.92	10.22	10.90	27.03
17.	Ratio of wage bills to total income	8.48	8.15	10.98	14.97	8.42	6.19	20.47
18.	Ratio of burden to total assets	-0.98	-1.94	0.42	2.04	0.47	-0.37	-1.04
19.	Ratio of burden to interest income	-15.08	-32.73	4.96	21.83	7.43	-3.96	-13.84
20.	Ratio of operating profits to total assets	6.73	7.30	3.99	2.81	1.47	5.93	4.22
21.	Return on assets	3.42	6.71	1.37	0.78	0.23	3.96	1.28
22.	Return on equity	5.17	6.18	21.63	12.93	2.50	31.37	12.29
23.	Cost of deposits	1.71	1.00	2.71	3.84	4.72	4.86	5.91
24.	Cost of borrowings	0.00	0.00	5.93	4.20	5.96	4.24	3.30
25.	Cost of funds	2.31	1.56	3.81	3.96	5.06	4.73	5.38
26.	Return on advances	9.20	8.63	10.11	11.26	8.83	8.15	10.94
27.	Return on investments	5.20	6.02	8.01	7.79	7.56	9.33	4.53
28.	Return on advances adjusted to cost of funds	6.88	7.07	6.30	7.30	3.78	3.42	5.56
29.	Return on investments adjusted to cost of funds	2.89	4.46	4.20	3.82	2.51	4.59	-0.85
30.	Business per employee (in Rs.lakh)	209.48	212.37	1011.88	1070.26	1865.72	1772.97	216.75
31.	Profit per employee (in Rs.lakh)	8.80	10.74	11.36	7.66	4.80	78.29	2.59
32.	Capital adequacy ratio	100.00	43.09	11.34	12.92	27.66	51.71	13.00
33.	Capital adequacy ratio - Tier I	93.32	42.27	7.33	7.24	27.18	50.65	12.18
34.	Capital adequacy ratio - Tier II	6.68	0.82	4.01	5.68	0.48	1.06	0.82
35.	Ratio of net NPA to net advances	0.00	9.25	0.12	0.85	0.63	0.00	0.77
Note : # See ‘ Explanatory Notes’. Source : Annual accounts of banks of respective years.

TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.)
FOREIGN BANKS
(In per cent)
		As on March 31
		Antwerp		Bank		Bank of		Bank of
Ratios		Diamond		International		America		Bahrain
		Bank		Indonesia				& Kuwait
		2007	2008	2007	2008	2007	2008	2007	2008
		(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)
1.	Cash-Deposit ratio	44.41	48.09	19.26	0.00	7.33	10.49	5.47	8.96
2.	Credit-Deposit ratio	696.96	597.80	5.95	0.00	107.29	82.38	46.91	70.90
3.	Investment-Deposit ratio	292.54	214.33	120.61	0.00	69.40	68.67	29.90	31.17
4.	(Credit+Investment)-Deposit ratio	989.51	812.13	126.56	0.00	176.69	151.05	76.82	102.07
5.	Ratio of deposits to total liabilities	8.68	10.15	10.37	0.00	43.02	51.60	77.55	74.38
6.	Ratio of term deposits to total deposits	18.16	13.01	47.50	0.00	36.12	35.30	78.49	77.06
7.	Ratio of priority sector advances to total advances	99.74	99.81	0.00	0.00	22.44	33.28	22.47	17.87
8.	Ratio of term loan to total advances	0.26	0.19	0.00	0.00	2.03	2.17	42.18	32.28
9.	Ratio of secured advances to total advances	99.93	99.93	99.66	0.00	17.97	26.10	86.97	88.94
10.	Ratio of investments in non-approved securities	0.00	0.00	35.73	0.00	28.70	31.59	2.61	1.68
	to total investments
11.	Ratio of interest income to total assets	6.55	5.78	4.48	2.34	7.00	7.12	6.52	7.00
12.	Ratio of net interest margin to total assets	2.67	2.51	3.23	2.17	4.25	4.86	2.75	3.25
13.	Ratio of non-interest income to total assets	1.13	1.09	3.49	12.28	3.79	4.82	1.01	1.73
14.	Ratio of intermediation cost to total assets	0.91	0.89	2.34	4.90	2.28	2.32	2.34	2.43
15.	Ratio of wage bills to intermediation cost	46.00	46.69	23.36	21.51	55.67	53.93	40.34	40.73
16.	Ratio of wage bills to total expense	8.78	10.00	15.21	20.78	25.20	27.31	15.45	16.03
17.	Ratio of wage bills to total income	5.48	6.05	6.85	7.21	11.74	10.48	12.55	11.35
18.	Ratio of burden to total assets	-0.22	-0.20	-1.16	-7.38	-1.51	-2.50	1.33	0.70
19.	Ratio of burden to interest income	-3.33	-3.52	-25.76	-315.35	-21.62	-35.15	20.46	10.02
20.	Ratio of operating profits to total assets	2.89	2.72	4.39	9.55	5.76	7.36	1.41	2.55
21.	Return on assets	1.70	1.63	6.52	8.78	3.10	3.76	-1.90	4.08
22.	Return on equity	7.48	6.13	6.65	9.09	11.64	14.57	-9.25	21.00
23.	Cost of deposits	1.01	0.93	3.87	1.08	2.30	2.62	4.39	4.50
24.	Cost of borrowings	5.11	4.25	4.07	1.15	9.58	7.63	11.32	4.59
25.	Cost of funds	4.60	3.79	3.99	1.12	4.70	3.70	4.59	4.50
26.	Return on advances	7.11	6.18	22.26	22.42	6.94	7.79	9.98	9.56
27.	Return on investments	6.77	7.84	8.25	7.60	10.45	8.86	6.28	7.46
28.	Return on advances adjusted to cost of funds	2.51	2.39	18.26	21.30	2.24	4.08	5.38	5.06
29.	Return on investments adjusted to cost of funds	2.18	4.05	4.25	6.47	5.75	5.15	1.68	2.96
30.	Business per employee (in Rs.lakh)	2071.57	2618.95	97.00	0.00	1920.89	2483.54	704.00	718.00
31.	Profit per employee (in Rs.lakh)	55.63	53.54	37.39	233.26	69.09	102.08	-11.00	20.00
32.	Capital adequacy ratio	46.48	37.09	141.24	235.82	13.33	12.14	22.00	21.61
33.	Capital adequacy ratio - Tier I	33.28	36.75	139.98	235.82	11.75	10.93	20.75	20.54
34.	Capital adequacy ratio - Tier II	13.20	0.34	1.26	0.00	1.58	1.21	1.25	1.07
35.	Ratio of net NPA to net advances	0.00	0.00	0.00	0.00	0.00	0.00	0.12	1.51
Source : Annual accounts of banks of respective years.

TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.)
FOREIGN BANKS
(In per cent)
		As on March 31
		Bank of		Bank of Nova		Bank of Tokyo-		Barclays
Ratios		Ceylon		Scotia		Mitsubishi UFJ		Bank
		2007	2008	2007	2008	2007	2008	2007	2008
		(17)	(18)	(19)	(20)	(21)	(22)	(23)	(24)
1.	Cash-Deposit ratio	9.10	13.63	7.40	10.40	8.53	20.77	2.42	8.10
2.	Credit-Deposit ratio	47.33	55.87	142.84	127.14	165.39	173.88	17.10	110.63
3.	Investment-Deposit ratio	35.68	39.97	52.68	43.80	54.39	44.37	132.87	41.39
4.	(Credit+Investment)-Deposit ratio	83.01	95.84	195.52	170.94	219.78	218.25	149.97	152.02
5.	Ratio of deposits to total liabilities	52.19	45.85	47.18	53.26	39.95	37.91	32.34	53.39
6.	Ratio of term deposits to total deposits	60.23	55.32	88.61	94.19	34.93	44.04	99.18	94.79
7.	Ratio of priority sector advances to total advances	53.69	58.12	37.94	38.53	22.48	23.86	17.40	14.68
8.	Ratio of term loan to total advances	15.62	15.28	6.82	2.75	25.50	24.99	6.18	66.76
9.	Ratio of secured advances to total advances	95.32	98.87	64.20	54.46	19.62	25.19	6.75	10.85
10.	Ratio of investments in non-approved securities	0.00	0.00	8.97	5.62	18.25	0.00	59.70	22.56
	to total investments
11.	Ratio of interest income to total assets	5.98	6.85	6.35	6.19	5.91	7.23	5.50	7.77
12.	Ratio of net interest margin to total assets	3.64	4.94	1.93	1.69	3.70	4.62	2.66	3.74
13.	Ratio of non-interest income to total assets	2.01	2.18	2.02	1.98	2.28	1.44	8.69	7.07
14.	Ratio of intermediation cost to total assets	1.56	1.64	0.98	0.70	1.94	1.03	5.12	8.62
15.	Ratio of wage bills to intermediation cost	34.39	31.82	38.77	41.97	52.70	51.97	64.87	36.39
16.	Ratio of wage bills to total expense	13.78	14.71	7.06	5.67	24.60	14.68	41.75	24.80
17.	Ratio of wage bills to total income	6.72	5.78	4.56	3.61	12.45	6.15	23.43	21.14
18.	Ratio of burden to total assets	-0.45	-0.54	-1.03	-1.28	-0.35	-0.42	-3.56	1.55
19.	Ratio of burden to interest income	-7.54	-7.91	-16.28	-20.71	-5.84	-5.77	-64.73	19.96
20.	Ratio of operating profits to total assets	4.09	5.48	2.96	2.97	4.05	5.04	6.22	2.19
21.	Return on assets	1.25	2.24	1.73	1.73	2.11	2.40	4.45	0.10
22.	Return on equity	3.70	6.40	16.65	15.39	8.19	9.44	6.57	0.20
23.	Cost of deposits	4.48	3.64	5.79	6.49	2.99	3.48	4.25	5.02
24.	Cost of borrowings	0.59	5.01	4.01	3.15	1.51	2.09	6.64	13.59
25.	Cost of funds	4.18	3.70	5.16	5.11	2.49	2.91	5.10	6.14
26.	Return on advances	8.35	12.77	6.78	6.69	6.86	8.61	25.74	11.07
27.	Return on investments	6.64	7.06	6.13	6.79	6.00	6.76	9.52	8.15
28.	Return on advances adjusted to cost of funds	4.17	9.07	1.63	1.58	4.37	5.70	20.64	4.93
29.	Return on investments adjusted to cost of funds	2.46	3.36	0.98	1.68	3.51	3.85	4.41	2.01
30.	Business per employee (in Rs.lakh)	579.00	483.00	2311.12	3082.88	1780.52	2613.45	280.54	942.33
31.	Profit per employee (in Rs.lakh)	9.00	15.00	39.10	49.89	35.42	60.50	36.28	50.00
32.	Capital adequacy ratio	63.21	55.86	23.26	20.15	30.71	26.87	13.68	21.11
33.	Capital adequacy ratio - Tier I	62.82	54.77	22.57	14.72	26.47	26.36	13.68	20.81
34.	Capital adequacy ratio - Tier II	0.39	1.09	0.69	5.43	4.24	0.51	0.00	0.30
35.	Ratio of net NPA to net advances	14.96	4.01	0.00	0.00	0.00	0.00	0.00	0.42

Source : Annual accounts of banks of respective years.

TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.)
FOREIGN BANKS
(In per cent)
		As on March 31
		BNP		Calyon Bank		Chinatrust
Ratios		Paribas		Bank		Commercial Bank		Citibank
		2007	2008	2007	2008	2007	2008	2007	2008
		(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)
1.	Cash-Deposit ratio	9.16	12.36	6.71	12.79	8.45	31.28	7.94	10.16
2.	Credit-Deposit ratio	111.62	116.55	129.50	159.70	112.67	139.84	86.76	83.20
3.	Investment-Deposit ratio	53.37	83.14	122.34	128.72	40.00	44.56	42.30	40.00
4.	(Credit+Investment)-Deposit ratio	164.99	199.69	251.85	288.42	152.67	184.40	129.06	123.20
5.	Ratio of deposits to total liabilities	49.87	42.65	23.42	24.89	54.26	44.63	57.08	55.01
6.	Ratio of term deposits to total deposits	70.64	52.82	77.01	75.19	51.83	80.41	44.16	50.63
7.	Ratio of priority sector advances to total advances	29.66	20.08	27.18	33.31	31.32	36.30	26.76	30.32
8.	Ratio of term loan to total advances	61.92	47.42	30.75	23.86	32.76	27.89	75.21	72.02
9.	Ratio of secured advances to total advances	51.50	45.89	51.38	42.41	64.65	76.58	50.49	51.18
10.	Ratio of investments in non-approved securities	8.97	7.48	48.04	46.22	19.00	19.14	10.62	7.18
	to total investments
11.	Ratio of interest income to total assets	7.63	7.79	6.49	7.02	6.60	7.19	7.84	7.94
12.	Ratio of net interest margin to total assets	3.29	3.49	2.81	3.39	2.69	2.98	4.81	4.86
13.	Ratio of non-interest income to total assets	3.45	4.30	5.85	5.85	0.72	0.81	2.41	3.26
14.	Ratio of intermediation cost to total assets	3.26	2.98	3.05	2.74	2.33	2.46	3.31	2.90
15.	Ratio of wage bills to intermediation cost	50.96	54.22	59.75	63.65	34.80	29.84	30.32	29.90
16.	Ratio of wage bills to total expense	21.84	22.17	27.09	27.39	12.99	11.00	15.83	14.51
17.	Ratio of wage bills to total income	14.98	13.35	14.77	13.56	11.07	9.16	9.81	7.75
18.	Ratio of burden to total assets	-0.19	-1.32	-2.80	-3.11	1.61	1.64	0.91	-0.36
19.	Ratio of burden to interest income	-2.53	-16.93	-43.20	-44.26	24.34	22.85	11.56	-4.47
20.	Ratio of operating profits to total assets	3.48	4.81	5.61	6.50	1.08	1.34	3.90	5.22
21.	Return on assets	1.41	1.97	4.60	4.20	0.34	1.63	2.79	4.33
22.	Return on equity	10.24	13.35	11.98	15.54	1.51	7.50	16.44	22.62
23.	Cost of deposits	4.48	4.54	3.03	3.71	3.34	4.47	3.98	4.56
24.	Cost of borrowings	7.76	8.00	6.87	6.33	9.28	7.64	3.51	3.20
25.	Cost of funds	5.46	5.69	5.41	5.31	5.23	5.57	3.87	4.26
26.	Return on advances	7.96	8.25	9.87	9.43	8.65	9.27	10.16	11.57
27.	Return on investments	10.79	10.50	7.51	11.22	5.51	6.22	7.76	8.08
28.	Return on advances adjusted to cost of funds	2.51	2.56	4.45	4.12	3.42	3.70	6.30	7.31
29.	Return on investments adjusted to cost of funds	5.34	4.81	2.10	5.91	0.28	0.65	3.90	3.82
30.	Business per employee (in Rs.lakh)	1353.00	1950.00	1629.00	2249.00	1042.00	845.00	1360.48	1763.78
31.	Profit per employee (in Rs.lakh)	19.00	36.00	82.00	97.00	3.00	13.00	17.33	37.73
32.	Capital adequacy ratio	10.76	11.79	15.10	9.70	22.14	22.72	11.06	12.00
33.	Capital adequacy ratio - Tier I	7.38	8.07	11.50	7.80	21.57	22.07	10.12	11.24
34.	Capital adequacy ratio - Tier II	3.38	3.72	3.60	1.90	0.57	0.65	0.94	0.76
35.	Ratio of net NPA to net advances	0.00	0.00	0.00	0.00	0.27	0.00	1.02	1.23

Source : Annual accounts of banks of respective years.

TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.)
FOREIGN BANKS
(In per cent)
		As on March 31
		DBS		Deutsche		Hong Kong &		J P Morgan
Ratios		Bank		Bank		Shanghai Banking		Chase Bank
		2007	2008	2007	2008	2007	2008	2007	2008
		(33)	(34)	(35)	(36)	(37)	(38)	(39)	(40)
1.	Cash-Deposit ratio	2.27	4.85	13.32	17.96	9.34	11.54	9.92	9.02
2.	Credit-Deposit ratio	32.06	46.40	70.86	65.14	66.45	70.26	47.96	31.97
3.	Investment-Deposit ratio	28.11	88.55	88.90	73.95	40.58	45.26	262.02	185.40
4.	(Credit+Investment)-Deposit ratio	60.17	134.95	159.76	139.09	107.03	115.52	309.98	217.38
5.	Ratio of deposits to total liabilities	63.19	56.08	39.39	55.66	63.40	56.14	26.72	40.90
6.	Ratio of term deposits to total deposits	97.89	96.87	25.63	30.55	56.47	53.88	47.34	57.98
7.	Ratio of priority sector advances to total advances	28.90	46.91	33.00	21.32	22.01	28.24	31.48	39.14
8.	Ratio of term loan to total advances	31.39	25.34	27.95	35.17	53.63	46.69	98.38	96.80
9.	Ratio of secured advances to total advances	63.00	48.00	24.51	30.28	56.13	52.90	56.86	22.72
10.	Ratio of investments in non-approved securities	37.13	38.56	31.16	8.15	27.19	24.45	20.19	38.09
	to total investments
11.	Ratio of interest income to total assets	8.25	8.37	6.53	6.81	7.59	7.61	6.13	6.30
12.	Ratio of net interest margin to total assets	3.00	3.18	3.39	4.28	4.97	4.53	3.33	3.46
13.	Ratio of non-interest income to total assets	1.86	-0.44	4.39	4.79	2.62	3.24	3.77	5.28
14.	Ratio of intermediation cost to total assets	1.60	1.16	5.00	4.99	3.43	3.28	1.55	1.79
15.	Ratio of wage bills to intermediation cost	62.02	62.90	51.19	47.09	38.94	41.53	55.96	60.88
16.	Ratio of wage bills to total expense	14.52	11.52	31.45	31.25	22.05	21.41	19.95	23.51
17.	Ratio of wage bills to total income	9.84	9.23	23.44	20.26	13.07	12.55	8.75	9.39
18.	Ratio of burden to total assets	-0.26	1.60	0.61	0.20	0.81	0.04	-2.22	-3.50
19.	Ratio of burden to interest income	-3.13	19.18	9.34	2.97	10.61	0.57	-36.28	-55.57
20.	Ratio of operating profits to total assets	3.26	1.57	2.78	4.08	4.16	4.49	5.56	6.96
21.	Return on assets	1.60	0.86	1.23	1.56	1.82	1.82	1.71	3.07
22.	Return on equity	8.99	5.86	13.42	12.39	16.38	16.31	12.16	15.19
23.	Cost of deposits	3.84	2.73	1.88	2.17	3.53	4.49	2.86	4.06
24.	Cost of borrowings	24.38	19.80	6.03	5.14	3.20	3.78	1.12	1.18
25.	Cost of funds	7.52	6.74	4.00	3.25	3.49	4.39	1.97	2.52
26.	Return on advances	8.89	9.18	9.46	10.29	10.60	12.26	5.82	11.16
27.	Return on investments	14.06	9.26	5.95	6.82	9.18	8.88	6.48	6.22
28.	Return on advances adjusted to cost of funds	1.37	2.45	5.45	7.05	7.11	7.87	3.85	8.64
29.	Return on investments adjusted to cost of funds	6.54	2.52	1.95	3.58	5.69	4.49	4.52	3.70
30.	Business per employee (in Rs.lakh)	1003.02	1416.58	1143.53	1616.74	979.68	1012.34	1121.88	1438.95
31.	Profit per employee (in Rs.lakh)	39.84	28.27	20.98	27.54	14.32	16.69	82.15	153.77
32.	Capital adequacy ratio	29.24	18.15	10.62	13.58	11.06	10.59	16.14	17.72
33.	Capital adequacy ratio - Tier I	22.84	14.98	9.73	13.09	10.01	9.72	15.99	17.60
34.	Capital adequacy ratio - Tier II	6.40	3.17	0.89	0.49	1.05	0.87	0.15	0.12
35.	Ratio of net NPA to net advances	0.00	0.05	0.01	0.22	0.43	0.58	2.17	2.12
Source : Annual accounts of banks of respective years.

TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.)
FOREIGN BANKS
(In per cent)
		As on March 31
		Krung		Mashreq		Mizuho		Oman
Ratios		Thai Bank		Bank		Corporate		International
						Bank		Bank
		2007	2008	2007	2008	2007	2008	2007	2008
		(41)	(42)	(43)	(44)	(45)	(46)	(47)	(48)
1.	Cash-Deposit ratio	5.93	7.80	7.88	15.22	9.83	9.29	6.20	8.73
2.	Credit-Deposit ratio	21.24	11.05	93.08	130.29	528.39	191.58	0.91	0.83
3.	Investment-Deposit ratio	44.57	27.88	79.44	83.37	131.73	55.23	53.82	52.71
4.	(Credit+Investment)-Deposit ratio	65.80	38.92	172.51	213.66	660.12	246.81	54.74	53.54
5.	Ratio of deposits to total liabilities	52.60	63.27	31.89	26.75	13.01	36.48	49.10	45.81
6.	Ratio of term deposits to total deposits	51.16	57.38	51.66	10.29	41.25	52.56	77.02	73.02
7.	Ratio of priority sector advances to total advances	16.45	64.41	99.58	99.77	30.99	27.00	0.00	0.00
8.	Ratio of term loan to total advances	12.10	0.00	0.42	0.23	25.69	24.61	94.48	94.41
9.	Ratio of secured advances to total advances	96.61	100.00	99.99	100.00	32.67	39.69	100.00	100.00
10.	Ratio of investments in non-approved securities	36.79	6.98	17.84	0.00	20.40	21.00	0.00	0.00
	to total investments
11.	Ratio of interest income to total assets	6.94	7.02	7.69	6.97	6.02	6.93	3.97	3.74
12.	Ratio of net interest margin to total assets	5.69	4.85	7.00	6.75	3.97	3.80	0.86	0.65
13.	Ratio of non-interest income to total assets	0.48	0.77	7.95	8.50	1.83	1.82	0.23	0.17
14.	Ratio of intermediation cost to total assets	3.10	2.33	5.69	5.01	2.32	2.37	1.41	1.51
15.	Ratio of wage bills to intermediation cost	25.00	21.36	39.99	44.06	39.93	37.90	29.26	28.42
16.	Ratio of wage bills to total expense	17.78	11.07	35.68	42.24	21.19	16.35	9.13	9.31
17.	Ratio of wage bills to total income	10.43	6.40	14.56	14.28	11.82	10.28	9.81	10.95
18.	Ratio of burden to total assets	2.61	1.56	-2.26	-3.49	0.50	0.56	1.18	1.34
19.	Ratio of burden to interest income	37.64	22.26	-29.34	-50.04	8.26	8.02	29.61	35.73
20.	Ratio of operating profits to total assets	3.07	3.29	9.26	10.24	3.47	3.24	-0.31	-0.69
21.	Return on assets	1.72	1.90	8.19	8.82	1.30	1.96	-0.90	3.15
22.	Return on equity	3.34	4.50	15.29	11.77	3.23	5.25	-1.51	4.70
23.	Cost of deposits	2.61	3.69	1.10	0.62	4.48	3.38	5.55	5.93
24.	Cost of borrowings	0.00	0.00	1.80	0.00	4.23	5.69	6.02	3.56
25.	Cost of funds	2.62	3.69	1.11	0.66	4.32	4.71	5.61	5.60
26.	Return on advances	9.25	9.10	7.25	3.86	7.72	8.08	34.66	11.33
27.	Return on investments	6.04	6.97	6.42	7.56	5.09	6.67	6.45	6.52
28.	Return on advances adjusted to cost of funds	6.63	5.41	6.14	3.20	3.40	3.37	29.05	5.73
29.	Return on investments adjusted to cost of funds	3.42	3.28	5.31	6.90	0.77	1.97	0.84	0.92
30.	Business per employee (in Rs.lakh)	539.16	812.81	440.07	225.63	918.87	1589.56	528.62	484.99
31.	Profit per employee (in Rs.lakh)	13.04	18.04	64.70	53.61	14.60	25.03	-6.14	19.91
32.	Capital adequacy ratio	121.73	110.11	97.06	52.81	34.40	27.80	10.99	23.09
33.	Capital adequacy ratio - Tier I	114.22	109.03	94.73	51.70	34.16	27.55	10.94	22.47
34.	Capital adequacy ratio - Tier II	7.51	1.08	2.33	1.11	0.24	0.25	0.05	0.62
35.	Ratio of net NPA to net advances	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Source : Annual accounts of banks of respective years.

TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.)
FOREIGN BANKS
(In per cent)
		As on March 31
		Shinhan		Societe		Sonali		Standard
Ratios		Bank		Generale		Bank		Chartered Bank
		2007	2008	2007	2008	2007	2008	2007	2008
		(49)	(50)	(51)	(52)	(53)	(54)	(55)	(56)
1.	Cash-Deposit ratio	6.99	12.07	4.28	8.56	12.24	10.24	5.86	12.53
2.	Credit-Deposit ratio	65.60	93.44	34.13	28.22	11.86	32.58	88.09	90.25
3.	Investment-Deposit ratio	39.60	35.01	129.17	184.65	19.14	22.79	34.83	34.60
4.	(Credit+Investment)-Deposit ratio	105.21	128.45	163.29	212.87	31.01	55.38	122.92	124.85
5.	Ratio of deposits to total liabilities	41.87	47.47	39.38	43.32	70.32	64.98	58.03	50.32
6.	Ratio of term deposits to total deposits	58.15	58.27	96.10	91.53	17.05	18.58	57.32	52.54
7.	Ratio of priority sector advances to total advances	23.40	35.99	16.53	37.35	27.21	65.11	28.02	28.41
8.	Ratio of term loan to total advances	42.00	52.91	43.11	53.63	0.00	0.00	40.65	39.00
9.	Ratio of secured advances to total advances	73.28	52.63	71.91	82.77	74.44	35.87	60.85	55.34
10.	Ratio of investments in non-approved securities	16.53	0.00	66.92	40.05	20.07	20.21	18.76	9.47
	to total investments
11.	Ratio of interest income to total assets	5.66	8.04	7.23	7.36	3.93	3.60	7.72	7.37
12.	Ratio of net interest margin to total assets	4.28	5.59	2.23	1.85	1.89	1.99	4.57	4.15
13.	Ratio of non-interest income to total assets	0.64	0.93	1.69	1.41	10.10	9.80	2.57	3.40
14.	Ratio of intermediation cost to total assets	1.98	2.21	2.08	2.02	8.68	8.73	2.68	3.10
15.	Ratio of wage bills to intermediation cost	31.20	26.70	59.41	54.67	58.63	56.95	42.06	38.70
16.	Ratio of wage bills to total expense	18.42	12.67	17.44	14.69	47.48	48.11	19.32	18.98
17.	Ratio of wage bills to total income	9.82	6.59	13.83	12.62	36.28	37.13	10.95	11.13
18.	Ratio of burden to total assets	1.34	1.29	0.38	0.61	-1.42	-1.07	0.11	-0.30
19.	Ratio of burden to interest income	23.70	16.02	5.31	8.33	-36.07	-29.62	1.39	-4.12
20.	Ratio of operating profits to total assets	2.94	4.30	1.85	1.24	3.31	3.06	4.46	4.46
21.	Return on assets	1.60	1.86	0.96	1.33	1.52	1.60	3.06	3.13
22.	Return on equity	3.53	5.88	6.44	11.19	12.40	11.29	26.33	24.08
23.	Cost of deposits	1.98	5.13	5.05	6.67	1.72	1.41	3.58	4.63
24.	Cost of borrowings	0.97	0.86	7.00	6.09	0.00	0.00	6.76	6.47
25.	Cost of funds	1.70	4.15	5.97	6.36	1.72	1.41	4.17	4.92
26.	Return on advances	7.11	7.34	8.72	10.19	11.35	9.66	9.58	10.90
27.	Return on investments	6.36	7.40	9.13	6.21	7.15	9.91	11.09	10.01
28.	Return on advances adjusted to cost of funds	5.42	3.19	2.75	3.83	9.63	8.25	5.41	5.98
29.	Return on investments adjusted to cost of funds	4.66	3.25	3.16	-0.15	5.43	8.49	6.92	5.09
30.	Business per employee (in Rs.lakh)	1433.00	1709.81	1316.00	1459.10	71.45	74.02	924.20	826.66
31.	Profit per employee (in Rs.lakh)	25.00	34.59	19.20	33.90	1.38	1.38	19.62	20.22
32.	Capital adequacy ratio	89.26	48.66	31.82	26.62	71.42	41.25	10.44	10.59
33.	Capital adequacy ratio - Tier I	88.97	48.10	31.66	26.49	71.21	40.94	8.93	8.21
34.	Capital adequacy ratio - Tier II	0.29	0.56	0.16	0.13	0.21	0.31	1.51	2.38
35.	Ratio of net NPA to net advances	0.00	0.00	0.00	0.00	0.00	0.00	1.43	1.04

Source : Annual accounts of banks of respective years.

TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.)
FOREIGN BANKS
(In per cent)
		As on March 31
		Shinhan		Societe		Sonali		Standard
Ratios		Bank		Generale		Bank		Chartered Bank
		2007	2008	2007	2008	2007	2008	2007	2008
		(49)	(50)	(51)	(52)	(53)	(54)	(55)	(56)
1.	Cash-Deposit ratio	6.99	12.07	4.28	8.56	12.24	10.24	5.86	12.53
2.	Credit-Deposit ratio	65.60	93.44	34.13	28.22	11.86	32.58	88.09	90.25
3.	Investment-Deposit ratio	39.60	35.01	129.17	184.65	19.14	22.79	34.83	34.60
4.	(Credit+Investment)-Deposit ratio	105.21	128.45	163.29	212.87	31.01	55.38	122.92	124.85
5.	Ratio of deposits to total liabilities	41.87	47.47	39.38	43.32	70.32	64.98	58.03	50.32
6.	Ratio of term deposits to total deposits	58.15	58.27	96.10	91.53	17.05	18.58	57.32	52.54
7.	Ratio of priority sector advances to total advances	23.40	35.99	16.53	37.35	27.21	65.11	28.02	28.41
8.	Ratio of term loan to total advances	42.00	52.91	43.11	53.63	0.00	0.00	40.65	39.00
9.	Ratio of secured advances to total advances	73.28	52.63	71.91	82.77	74.44	35.87	60.85	55.34
10.	Ratio of investments in non-approved securities	16.53	0.00	66.92	40.05	20.07	20.21	18.76	9.47
	to total investments
11.	Ratio of interest income to total assets	5.66	8.04	7.23	7.36	3.93	3.60	7.72	7.37
12.	Ratio of net interest margin to total assets	4.28	5.59	2.23	1.85	1.89	1.99	4.57	4.15
13.	Ratio of non-interest income to total assets	0.64	0.93	1.69	1.41	10.10	9.80	2.57	3.40
14.	Ratio of intermediation cost to total assets	1.98	2.21	2.08	2.02	8.68	8.73	2.68	3.10
15.	Ratio of wage bills to intermediation cost	31.20	26.70	59.41	54.67	58.63	56.95	42.06	38.70
16.	Ratio of wage bills to total expense	18.42	12.67	17.44	14.69	47.48	48.11	19.32	18.98
17.	Ratio of wage bills to total income	9.82	6.59	13.83	12.62	36.28	37.13	10.95	11.13
18.	Ratio of burden to total assets	1.34	1.29	0.38	0.61	-1.42	-1.07	0.11	-0.30
19.	Ratio of burden to interest income	23.70	16.02	5.31	8.33	-36.07	-29.62	1.39	-4.12
20.	Ratio of operating profits to total assets	2.94	4.30	1.85	1.24	3.31	3.06	4.46	4.46
21.	Return on assets	1.60	1.86	0.96	1.33	1.52	1.60	3.06	3.13
22.	Return on equity	3.53	5.88	6.44	11.19	12.40	11.29	26.33	24.08
23.	Cost of deposits	1.98	5.13	5.05	6.67	1.72	1.41	3.58	4.63
24.	Cost of borrowings	0.97	0.86	7.00	6.09	0.00	0.00	6.76	6.47
25.	Cost of funds	1.70	4.15	5.97	6.36	1.72	1.41	4.17	4.92
26.	Return on advances	7.11	7.34	8.72	10.19	11.35	9.66	9.58	10.90
27.	Return on investments	6.36	7.40	9.13	6.21	7.15	9.91	11.09	10.01
28.	Return on advances adjusted to cost of funds	5.42	3.19	2.75	3.83	9.63	8.25	5.41	5.98
29.	Return on investments adjusted to cost of funds	4.66	3.25	3.16	-0.15	5.43	8.49	6.92	5.09
30.	Business per employee (in Rs.lakh)	1433.00	1709.81	1316.00	1459.10	71.45	74.02	924.20	826.66
31.	Profit per employee (in Rs.lakh)	25.00	34.59	19.20	33.90	1.38	1.38	19.62	20.22
32.	Capital adequacy ratio	89.26	48.66	31.82	26.62	71.42	41.25	10.44	10.59
33.	Capital adequacy ratio - Tier I	88.97	48.10	31.66	26.49	71.21	40.94	8.93	8.21
34.	Capital adequacy ratio - Tier II	0.29	0.56	0.16	0.13	0.21	0.31	1.51	2.38
35.	Ratio of net NPA to net advances	0.00	0.00	0.00	0.00	0.00	0.00	1.43	1.04

Source : Annual accounts of banks of respective years.