Table B12 : Selected ratios of Scheduled Commercial Banks - 2009 and 2010 - RBI - Reserve Bank of India
Table B12 : Selected ratios of Scheduled Commercial Banks - 2009 and 2010
STATE BANK OF INDIA & ITS ASSOCIATES |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
State Bank of |
State Bank of |
State Bank of |
State Bank of |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. Cash-Deposit ratio |
7.49 |
7.62 |
9.17 |
8.03 |
8.69 |
7.00 |
6.18 |
5.70 |
2. Credit-Deposit ratio |
73.11 |
78.58 |
76.10 |
76.47 |
69.94 |
72.69 |
76.28 |
77.31 |
3. Investment-Deposit ratio |
37.19 |
35.54 |
28.04 |
29.53 |
33.60 |
32.90 |
28.42 |
28.00 |
4. (Credit+Investment)-Deposit ratio |
110.29 |
114.13 |
104.14 |
106.00 |
103.54 |
105.59 |
104.70 |
105.32 |
5. Ratio of deposits to total liabilities |
76.94 |
76.33 |
84.59 |
85.00 |
81.40 |
82.36 |
85.66 |
86.58 |
6. Ratio of demand & savings bank deposits to total deposits |
41.64 |
47.26 |
37.82 |
39.06 |
30.67 |
28.45 |
30.21 |
33.18 |
7. Ratio of priority sector advances to total advances |
26.48 |
26.99 |
38.80 |
37.94 |
31.97 |
33.79 |
34.69 |
41.88 |
8. Ratio of term loan to total advances |
50.07 |
49.69 |
56.55 |
56.33 |
58.40 |
61.78 |
56.48 |
52.12 |
9. Ratio of secured advances to total advances |
79.01 |
78.50 |
80.02 |
79.23 |
81.70 |
85.46 |
88.88 |
86.01 |
10. Ratio of investments in non-approved securities to total investments |
17.34 |
20.31 |
4.83 |
3.77 |
13.07 |
16.19 |
9.65 |
3.68 |
11. Ratio of interest income to total assets |
7.57 |
7.04 |
8.71 |
7.91 |
8.25 |
7.66 |
8.70 |
8.00 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
2.48 |
2.35 |
2.52 |
2.41 |
2.12 |
2.25 |
2.35 |
2.36 |
13. Ratio of non-interest income to total assets |
1.51 |
1.48 |
1.32 |
1.16 |
1.11 |
1.02 |
1.12 |
1.09 |
14. Ratio of intermediation cost to total assets |
1.86 |
2.01 |
1.80 |
1.77 |
1.35 |
1.19 |
1.48 |
1.48 |
15. Ratio of wage bills to intermediation cost |
62.29 |
62.77 |
58.52 |
56.35 |
59.17 |
61.25 |
55.33 |
50.95 |
16. Ratio of wage bills to total expense |
16.64 |
18.86 |
13.19 |
13.73 |
10.67 |
11.05 |
10.43 |
10.63 |
17. Ratio of wage bills to total income |
12.75 |
14.84 |
10.50 |
11.01 |
8.52 |
8.40 |
8.31 |
8.33 |
18. Ratio of burden to total assets |
0.35 |
0.53 |
0.48 |
0.61 |
0.24 |
0.17 |
0.35 |
0.39 |
19. Ratio of burden to interest income |
4.64 |
7.54 |
5.52 |
7.74 |
2.87 |
2.25 |
4.04 |
4.93 |
20. Ratio of operating profits to total assets |
2.13 |
1.82 |
2.04 |
1.80 |
1.88 |
2.08 |
2.00 |
1.97 |
21. Return on assets |
1.04 |
0.88 |
0.92 |
0.93 |
0.91 |
1.03 |
0.88 |
0.91 |
22. Return on equity |
17.05 |
14.80 |
21.46 |
20.39 |
20.87 |
22.02 |
19.36 |
18.07 |
23. Cost of deposits |
5.93 |
5.61 |
6.72 |
6.07 |
6.95 |
6.11 |
6.56 |
5.97 |
24. Cost of borrowings |
3.76 |
1.31 |
5.42 |
1.15 |
2.66 |
0.70 |
5.43 |
0.93 |
25. Cost of funds |
5.72 |
5.14 |
6.66 |
5.77 |
6.75 |
5.76 |
6.50 |
5.66 |
26. Return on advances |
9.68 |
8.62 |
10.89 |
9.58 |
10.57 |
9.71 |
10.57 |
9.37 |
27. Return on investments |
6.69 |
6.31 |
7.29 |
6.91 |
7.43 |
6.76 |
7.17 |
6.91 |
28. Return on advances adjusted to cost of funds |
3.95 |
3.48 |
4.22 |
3.81 |
3.82 |
3.95 |
4.07 |
3.71 |
29. Return on investments adjusted to cost of funds |
0.97 |
1.17 |
0.63 |
1.14 |
0.68 |
1.00 |
0.67 |
1.26 |
30. Business per employee (in ` lakh) |
556.00 |
636.00 |
555.39 |
627.67 |
839.82 |
755.62 |
701.53 |
763.51 |
31. Profit per employee (in ` lakh) |
4.74 |
4.46 |
3.55 |
3.96 |
4.87 |
5.58 |
4.44 |
4.83 |
32. Capital adequacy ratio |
14.25 |
13.39 |
14.52 |
13.30 |
11.53 |
14.90 |
13.46 |
13.53 |
33. Capital adequacy ratio - Tier I |
9.38 |
9.45 |
8.46 |
8.35 |
7.14 |
8.64 |
7.91 |
8.58 |
34. Capital adequacy ratio - Tier II |
4.87 |
3.94 |
6.06 |
4.95 |
4.39 |
6.26 |
5.55 |
4.95 |
35. Ratio of net NPA to net advances |
1.79 |
1.72 |
0.85 |
0.77 |
0.38 |
0.55 |
0.89 |
1.13 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||
STATE BANK OF INDIA & ITS ASSOCIATES |
||||||
(In per cent) |
||||||
Ratios |
As on March 31 |
|||||
State Bank |
State Bank of |
State Bank of |
||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
1. Cash-Deposit ratio |
5.27 |
7.11 |
6.20 |
6.17 |
5.54 |
6.82 |
2. Credit-Deposit ratio |
77.82 |
75.97 |
72.64 |
71.80 |
77.55 |
75.59 |
3. Investment-Deposit ratio |
34.57 |
29.56 |
28.38 |
28.14 |
31.47 |
31.49 |
4. (Credit+Investment)-Deposit ratio |
112.39 |
105.53 |
101.02 |
99.94 |
109.02 |
107.08 |
5. Ratio of deposits to total liabilities |
81.30 |
85.62 |
86.19 |
84.85 |
85.19 |
85.58 |
6. Ratio of demand & savings bank deposits to total deposits |
28.88 |
31.58 |
22.60 |
26.00 |
32.43 |
30.41 |
7. Ratio of priority sector advances to total advances |
33.22 |
30.55 |
32.15 |
38.47 |
39.92 |
36.64 |
8. Ratio of term loan to total advances |
62.96 |
64.93 |
60.96 |
61.41 |
51.62 |
54.95 |
9. Ratio of secured advances to total advances |
89.08 |
87.80 |
93.03 |
96.73 |
80.25 |
79.82 |
10. Ratio of investments in non-approved securities to total investments |
12.09 |
6.84 |
2.21 |
3.99 |
11.04 |
14.98 |
11.Ratio of interest income to total assets |
8.83 |
8.29 |
9.02 |
8.20 |
8.84 |
8.05 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
2.28 |
2.88 |
1.75 |
2.11 |
2.75 |
2.57 |
13. Ratio of non-interest income to total assets |
1.31 |
0.99 |
0.98 |
0.93 |
1.23 |
0.97 |
14. Ratio of intermediation cost to total assets |
1.81 |
1.69 |
1.23 |
1.24 |
1.71 |
1.60 |
15. Ratio of wage bills to intermediation cost |
57.82 |
57.70 |
55.92 |
55.56 |
61.03 |
60.94 |
16. Ratio of wage bills to total expense |
12.51 |
13.73 |
8.12 |
9.37 |
13.40 |
13.81 |
17. Ratio of wage bills to total income |
10.32 |
10.50 |
6.90 |
7.53 |
10.39 |
10.83 |
18. Ratio of burden to total assets |
0.50 |
0.70 |
0.25 |
0.31 |
0.49 |
0.63 |
19. Ratio of burden to interest income |
5.69 |
8.41 |
2.80 |
3.79 |
5.49 |
7.86 |
20. Ratio of operating profits to total assets |
1.78 |
2.18 |
1.50 |
1.80 |
2.27 |
1.94 |
21. Return on assets |
0.91 |
1.06 |
0.83 |
0.79 |
1.30 |
1.26 |
22. Return on equity |
18.47 |
18.06 |
18.20 |
16.01 |
30.64 |
26.88 |
23. Cost of deposits |
6.95 |
5.85 |
7.95 |
6.68 |
6.45 |
5.91 |
24. Cost of borrowings |
0.33 |
3.34 |
2.21 |
0.29 |
0.72 |
0.34 |
25. Cost of funds |
6.39 |
5.65 |
7.65 |
6.36 |
6.08 |
5.58 |
26. Return on advances |
10.84 |
9.87 |
11.25 |
10.25 |
10.45 |
9.47 |
27. Return on investments |
7.13 |
6.77 |
7.45 |
6.57 |
6.98 |
6.55 |
28. Return on advances adjusted to cost of funds |
4.45 |
4.22 |
3.61 |
3.89 |
4.37 |
3.88 |
29. Return on investments adjusted to cost of funds |
0.74 |
1.12 |
-0.20 |
0.21 |
0.90 |
0.97 |
30. Business per employee (in ` lakh) |
602.00 |
672.00 |
910.24 |
895.21 |
658.00 |
696.00 |
31. Profit per employee (in ` lakh) |
3.48 |
4.41 |
4.68 |
4.45 |
5.00 |
6.00 |
32. Capital adequacy ratio |
12.99 |
12.42 |
12.60 |
13.26 |
14.03 |
13.74 |
33. Capital adequacy ratio - Tier I |
7.15 |
7.59 |
6.94 |
8.16 |
8.59 |
9.24 |
34. Capital adequacy ratio - Tier II |
5.84 |
4.83 |
5.66 |
5.10 |
5.44 |
4.50 |
35. Ratio of net NPA to net advances |
0.50 |
1.02 |
0.60 |
1.04 |
0.58 |
0.91 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||||
NATIONALISED BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
Allahabad |
Andhra Bank |
Bank of Baroda |
Bank of India |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. Cash-Deposit ratio |
6.02 |
6.77 |
8.17 |
8.62 |
5.51 |
5.62 |
4.70 |
6.79 |
2. Credit-Deposit ratio |
69.20 |
67.52 |
74.32 |
72.23 |
74.46 |
72.62 |
75.33 |
73.33 |
3. Investment-Deposit ratio |
34.90 |
36.23 |
28.47 |
26.88 |
27.26 |
25.38 |
27.73 |
29.20 |
4. (Credit+Investment)-Deposit ratio |
104.10 |
103.75 |
102.80 |
99.11 |
101.72 |
98.00 |
103.06 |
102.53 |
5. Ratio of deposits to total liabilities |
87.02 |
87.15 |
86.74 |
85.99 |
84.88 |
86.61 |
84.13 |
83.56 |
6. Ratio of demand & savings bank deposits to total deposits |
34.60 |
34.50 |
31.41 |
29.43 |
29.59 |
29.65 |
26.76 |
27.84 |
7. Ratio of priority sector advances to total advances |
34.75 |
33.91 |
36.23 |
35.52 |
26.70 |
26.35 |
26.27 |
25.48 |
8. Ratio of term loan to total advances |
55.56 |
55.33 |
40.68 |
44.65 |
43.84 |
43.50 |
42.43 |
42.95 |
9. Ratio of secured advances to total advances |
81.20 |
82.82 |
79.34 |
85.54 |
78.90 |
75.60 |
77.33 |
78.05 |
10. Ratio of investments in non-approved securities to total investments |
26.90 |
19.02 |
9.46 |
5.27 |
21.63 |
17.89 |
17.90 |
14.53 |
11. Ratio of interest income to total assets |
8.16 |
7.63 |
8.60 |
8.03 |
7.43 |
6.61 |
8.09 |
7.14 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
2.39 |
2.42 |
2.60 |
2.76 |
2.52 |
2.35 |
2.72 |
2.30 |
13. Ratio of non-interest income to total assets |
1.26 |
1.38 |
1.22 |
1.21 |
1.36 |
1.11 |
1.51 |
1.05 |
14. Ratio of intermediation cost to total assets |
1.55 |
1.48 |
1.77 |
1.70 |
1.76 |
1.51 |
1.53 |
1.47 |
15. Ratio of wage bills to intermediation cost |
62.45 |
62.51 |
56.51 |
61.06 |
65.66 |
61.69 |
62.62 |
62.60 |
16. Ratio of wage bills to total expense |
13.23 |
13.79 |
12.86 |
14.91 |
17.34 |
16.14 |
13.90 |
14.54 |
17. Ratio of wage bills to total income |
10.27 |
10.23 |
10.16 |
11.23 |
13.16 |
12.05 |
9.99 |
11.20 |
18. Ratio of burden to total assets |
0.29 |
0.09 |
0.54 |
0.48 |
0.40 |
0.40 |
0.02 |
0.42 |
19. Ratio of burden to interest income |
3.50 |
1.22 |
6.31 |
6.04 |
5.42 |
6.01 |
0.26 |
5.88 |
20. Ratio of operating profits to total assets |
2.11 |
2.32 |
2.06 |
2.28 |
2.12 |
1.95 |
2.70 |
1.88 |
21. Return on assets |
0.90 |
1.16 |
1.09 |
1.39 |
1.09 |
1.21 |
1.49 |
0.70 |
22. Return on equity |
13.88 |
19.14 |
18.94 |
25.96 |
18.62 |
21.86 |
24.97 |
12.56 |
23. Cost of deposits |
6.24 |
5.59 |
6.41 |
5.55 |
5.33 |
4.56 |
5.76 |
5.16 |
24. Cost of borrowings |
2.28 |
0.86 |
6.14 |
2.91 |
3.50 |
1.34 |
4.66 |
2.92 |
25. Cost of funds |
6.10 |
5.37 |
6.40 |
5.38 |
5.25 |
4.38 |
5.69 |
4.97 |
26. Return on advances |
10.13 |
9.81 |
10.76 |
10.30 |
8.96 |
7.88 |
9.78 |
8.42 |
27. Return on investments |
6.97 |
5.71 |
6.91 |
6.29 |
6.87 |
6.43 |
7.14 |
7.46 |
28. Return on advances adjusted to cost of funds |
4.02 |
4.44 |
4.36 |
4.92 |
3.71 |
3.50 |
4.09 |
3.45 |
29. Return on investments adjusted to cost of funds |
0.87 |
0.34 |
0.51 |
0.91 |
1.62 |
2.06 |
1.45 |
2.49 |
30. Business per employee (in ` lakh) |
706.00 |
845.00 |
728.29 |
938.94 |
914.00 |
981.00 |
833.00 |
1011.00 |
31. Profit per employee (in ` lakh) |
3.75 |
5.76 |
4.58 |
7.32 |
6.00 |
8.00 |
7.49 |
4.39 |
32. Capital adequacy ratio |
13.11 |
13.62 |
13.22 |
13.93 |
14.05 |
14.36 |
13.01 |
12.94 |
33. Capital adequacy ratio - Tier I |
8.01 |
8.12 |
8.67 |
8.18 |
8.49 |
9.20 |
8.91 |
8.48 |
34. Capital adequacy ratio - Tier II |
5.10 |
5.50 |
4.55 |
5.75 |
5.56 |
5.16 |
4.10 |
4.46 |
35. Ratio of net NPA to net advances |
0.72 |
0.66 |
0.18 |
0.17 |
0.31 |
0.34 |
0.44 |
1.31 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||||
NATIONALISED BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
Bank of |
Canara Bank |
Central Bank |
Corporation |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. Cash-Deposit ratio |
7.43 |
8.40 |
5.37 |
6.70 |
8.41 |
10.49 |
7.56 |
9.53 |
2. Credit-Deposit ratio |
65.62 |
63.68 |
73.96 |
72.16 |
65.12 |
65.01 |
65.57 |
68.15 |
3. Investment-Deposit ratio |
35.18 |
33.68 |
30.91 |
29.69 |
32.80 |
31.19 |
33.71 |
37.23 |
4. (Credit+Investment)-Deposit ratio |
100.80 |
97.37 |
104.87 |
101.86 |
97.92 |
96.20 |
99.28 |
105.38 |
5. Ratio of deposits to total liabilities |
88.52 |
89.09 |
85.09 |
88.63 |
88.90 |
88.74 |
85.13 |
83.04 |
6. Ratio of demand & savings bank deposits to total deposits |
35.69 |
36.91 |
30.05 |
29.09 |
33.36 |
34.44 |
31.44 |
28.55 |
7. Ratio of priority sector advances to total advances |
36.73 |
39.44 |
33.27 |
33.48 |
31.39 |
32.14 |
31.74 |
31.57 |
8. Ratio of term loan to total advances |
65.16 |
71.70 |
49.05 |
49.08 |
70.86 |
68.84 |
45.43 |
46.83 |
9. Ratio of secured advances to total advances |
79.76 |
77.63 |
76.47 |
66.48 |
77.55 |
82.32 |
70.80 |
64.94 |
10. Ratio of investments in non-approved securities to total investments |
11.77 |
14.41 |
11.18 |
9.40 |
11.09 |
11.05 |
29.26 |
28.02 |
11. Ratio of interest income to total assets |
8.01 |
7.28 |
8.56 |
7.74 |
7.70 |
7.30 |
7.91 |
7.35 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
2.34 |
1.99 |
2.36 |
2.35 |
1.64 |
1.54 |
2.20 |
2.23 |
13. Ratio of non-interest income to total assets |
0.93 |
0.91 |
1.16 |
1.18 |
0.79 |
1.05 |
1.44 |
1.19 |
14. Ratio of intermediation cost to total assets |
1.80 |
1.65 |
1.53 |
1.44 |
1.37 |
1.35 |
1.36 |
1.27 |
15. Ratio of wage bills to intermediation cost |
60.19 |
61.09 |
61.24 |
63.08 |
68.36 |
69.50 |
49.01 |
50.14 |
16. Ratio of wage bills to total expense |
14.50 |
14.53 |
12.14 |
13.26 |
12.61 |
13.15 |
9.46 |
9.96 |
17. Ratio of wage bills to total income |
12.10 |
12.31 |
9.66 |
10.15 |
11.04 |
11.19 |
7.15 |
7.45 |
18. Ratio of burden to total assets |
0.86 |
0.74 |
0.38 |
0.26 |
0.58 |
0.29 |
-0.08 |
0.07 |
19. Ratio of burden to interest income |
10.79 |
10.17 |
4.40 |
3.30 |
7.57 |
4.03 |
-1.00 |
1.01 |
20. Ratio of operating profits to total assets |
1.48 |
1.25 |
1.98 |
2.09 |
1.06 |
1.25 |
2.28 |
2.15 |
21. Return on assets |
0.72 |
0.70 |
1.06 |
1.30 |
0.45 |
0.66 |
1.24 |
1.24 |
22. Return on equity |
17.46 |
16.35 |
18.25 |
22.48 |
9.25 |
15.01 |
19.57 |
21.93 |
23. Cost of deposits |
5.92 |
5.51 |
6.72 |
5.83 |
6.55 |
6.22 |
6.31 |
5.46 |
24. Cost of borrowings |
3.49 |
0.03 |
4.69 |
1.54 |
14.62 |
0.55 |
3.05 |
0.40 |
25. Cost of funds |
5.86 |
5.28 |
6.62 |
5.61 |
6.59 |
6.06 |
6.14 |
5.08 |
26. Return on advances |
10.28 |
9.03 |
10.44 |
9.07 |
9.78 |
9.06 |
10.00 |
8.91 |
27. Return on investments |
6.46 |
6.54 |
7.62 |
7.18 |
6.88 |
7.07 |
7.13 |
7.03 |
28. Return on advances adjusted to cost of funds |
4.42 |
3.75 |
3.82 |
3.46 |
3.19 |
3.00 |
3.86 |
3.84 |
29. Return on investments adjusted to cost of funds |
0.60 |
1.26 |
1.00 |
1.57 |
0.29 |
1.00 |
0.99 |
1.96 |
30. Business per employee (in ` lakh) |
636.00 |
762.00 |
780.17 |
982.58 |
560.28 |
711.76 |
1049.00 |
1269.00 |
31. Profit per employee (in ` lakh) |
2.76 |
3.21 |
4.97 |
7.35 |
1.71 |
3.30 |
7.64 |
9.52 |
32. Capital adequacy ratio |
12.05 |
12.78 |
14.10 |
13.43 |
13.12 |
12.23 |
13.61 |
15.37 |
33. Capital adequacy ratio - Tier I |
6.11 |
6.41 |
8.01 |
8.54 |
6.97 |
6.83 |
8.90 |
9.25 |
34. Capital adequacy ratio - Tier II |
5.94 |
6.37 |
6.09 |
4.89 |
6.15 |
5.40 |
4.71 |
6.12 |
35. Ratio of net NPA to net advances |
0.79 |
1.64 |
1.09 |
1.06 |
1.24 |
0.69 |
0.29 |
0.31 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||||
NATIONALISED BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
Dena Bank |
Indian Bank |
Indian |
Oriental Bank |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
1. Cash-Deposit ratio |
11.57 |
8.48 |
8.56 |
8.00 |
5.93 |
6.92 |
6.99 |
6.72 |
2. Credit-Deposit ratio |
67.08 |
69.07 |
70.81 |
70.44 |
74.80 |
71.31 |
69.64 |
69.43 |
3. Investment-Deposit ratio |
28.97 |
30.57 |
31.41 |
32.04 |
31.18 |
33.98 |
28.96 |
29.76 |
4. (Credit+Investment)-Deposit ratio |
96.05 |
99.63 |
102.23 |
102.48 |
105.98 |
105.29 |
98.60 |
99.18 |
5. Ratio of deposits to total liabilities |
88.84 |
89.16 |
86.35 |
87.02 |
82.69 |
84.51 |
87.37 |
87.50 |
6.Ratio of demand & savings bank deposits to total deposits |
34.78 |
35.96 |
31.63 |
32.21 |
30.25 |
32.55 |
23.74 |
24.97 |
7. Ratio of priority sector advances to total advances |
33.98 |
32.92 |
35.52 |
34.84 |
32.44 |
34.48 |
31.01 |
33.65 |
8. Ratio of term loan to total advances |
48.03 |
52.00 |
61.54 |
54.30 |
52.79 |
50.52 |
59.73 |
61.88 |
9. Ratio of secured advances to total advances |
81.87 |
79.67 |
88.13 |
86.12 |
89.59 |
85.40 |
89.20 |
87.45 |
10. Ratio of investments in non-approved securities to total investments |
19.35 |
14.93 |
15.91 |
17.59 |
14.68 |
14.59 |
11.96 |
8.11 |
11. Ratio of interest income to total assets |
7.92 |
7.56 |
8.84 |
8.47 |
8.65 |
8.13 |
8.71 |
8.21 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
2.44 |
2.07 |
3.38 |
3.56 |
2.57 |
2.51 |
1.96 |
2.33 |
13. Ratio of non-interest income to total assets |
0.99 |
1.11 |
1.34 |
1.27 |
1.43 |
0.91 |
1.05 |
0.96 |
14. Ratio of intermediation cost to total assets |
1.76 |
1.60 |
2.06 |
1.87 |
1.74 |
1.96 |
1.38 |
1.35 |
15. Ratio of wage bills to intermediation cost |
60.91 |
60.32 |
72.59 |
70.07 |
65.50 |
70.33 |
55.17 |
57.61 |
16. Ratio of wage bills to total expense |
14.85 |
13.61 |
19.84 |
19.30 |
14.60 |
18.18 |
9.34 |
10.75 |
17. Ratio of wage bills to total income |
12.07 |
11.12 |
14.66 |
13.43 |
11.32 |
15.23 |
7.77 |
8.48 |
18. Ratio of burden to total assets |
0.78 |
0.49 |
0.72 |
0.60 |
0.31 |
1.05 |
0.32 |
0.39 |
19. Ratio of burden to interest income |
9.81 |
6.47 |
8.09 |
7.08 |
3.59 |
12.92 |
3.69 |
4.74 |
20. Ratio of operating profits to total assets |
1.67 |
1.59 |
2.66 |
2.96 |
2.26 |
1.46 |
1.64 |
1.94 |
21. Return on assets |
1.02 |
1.01 |
1.62 |
1.67 |
1.17 |
0.53 |
0.88 |
0.91 |
22. Return on equity |
21.29 |
21.43 |
20.26 |
20.18 |
22.07 |
9.63 |
13.51 |
14.51 |
23. Cost of deposits |
5.86 |
5.85 |
6.08 |
5.56 |
6.46 |
5.95 |
7.41 |
6.43 |
24. Cost of borrowings |
1.84 |
0.03 |
9.59 |
5.20 |
5.97 |
4.24 |
2.08 |
0.18 |
25. Cost of funds |
5.77 |
5.67 |
6.13 |
5.56 |
6.42 |
5.80 |
7.27 |
6.21 |
26. Return on advances |
9.89 |
9.35 |
11.15 |
10.22 |
10.78 |
9.95 |
10.60 |
9.96 |
27. Return on investments |
7.28 |
6.82 |
7.55 |
7.82 |
7.23 |
6.92 |
8.17 |
7.66 |
28. eturn on advances adjusted to cost of funds |
4.12 |
3.68 |
5.02 |
4.66 |
4.36 |
4.15 |
3.32 |
3.75 |
29. Return on investments adjusted to cost of funds |
1.51 |
1.14 |
1.41 |
2.26 |
0.81 |
1.11 |
0.89 |
1.45 |
30. Business per employee (in ` lakh) |
714.00 |
827.00 |
617.00 |
761.00 |
689.50 |
712.00 |
1142.43 |
1331.17 |
31. Profit per employee (in ` lakh) |
4.28 |
4.86 |
6.23 |
7.92 |
5.20 |
2.63 |
6.18 |
7.39 |
32. Capital adequacy ratio |
12.07 |
12.77 |
13.98 |
12.71 |
13.20 |
14.78 |
12.98 |
12.54 |
33. Capital adequacy ratio - Tier I |
6.76 |
8.16 |
11.88 |
11.13 |
7.88 |
8.67 |
9.10 |
9.28 |
34. Capital adequacy ratio - Tier II |
5.31 |
4.61 |
2.10 |
1.58 |
5.32 |
6.11 |
3.88 |
3.26 |
35. Ratio of net NPA to net advances |
1.09 |
1.21 |
0.18 |
0.23 |
1.33 |
2.52 |
0.65 |
0.87 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||||
NATIONALISED BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
Punjab and Sind Bank |
Punjab |
Syndicate Bank |
UCO Bank |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
1. Cash-Deposit ratio |
5.64 |
7.71 |
8.13 |
7.35 |
10.82 |
6.14 |
6.57 |
5.92 |
2. Credit-Deposit ratio |
70.99 |
66.40 |
73.75 |
74.84 |
70.36 |
77.25 |
68.65 |
67.40 |
3. Investment-Deposit ratio |
36.42 |
36.39 |
30.22 |
31.17 |
26.35 |
28.21 |
29.32 |
35.55 |
4. (Credit+Investment)-Deposit ratio |
107.40 |
102.79 |
103.97 |
106.01 |
96.71 |
105.46 |
97.97 |
102.95 |
5. Ratio of deposits to total liabilities |
83.83 |
86.75 |
84.95 |
84.05 |
88.97 |
84.16 |
89.75 |
89.15 |
6. Ratio of demand & savings bank deposits to total deposits |
27.76 |
25.04 |
38.83 |
40.85 |
27.60 |
31.23 |
24.11 |
24.65 |
7. Ratio of priority sector advances to total advances |
29.23 |
32.76 |
31.81 |
35.70 |
32.37 |
34.38 |
31.29 |
29.53 |
8. Ratio of term loan to total advances |
66.97 |
71.68 |
52.61 |
53.56 |
73.68 |
75.57 |
65.17 |
66.75 |
9. Ratio of secured advances to total advances |
72.21 |
72.54 |
86.12 |
89.38 |
68.70 |
74.72 |
80.60 |
78.70 |
10. Ratio of investments in non-approved securities to total investments |
10.71 |
13.61 |
12.92 |
14.49 |
10.13 |
14.10 |
21.54 |
28.22 |
11. Ratio of interest income to total assets |
8.98 |
8.03 |
8.58 |
7.90 |
8.03 |
7.46 |
8.06 |
7.65 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
2.80 |
2.42 |
3.06 |
3.14 |
2.15 |
2.03 |
1.63 |
1.87 |
13. Ratio of non-interest income to total assets |
1.13 |
0.84 |
1.37 |
1.31 |
0.77 |
0.87 |
1.01 |
0.78 |
14. Ratio of intermediation cost to total assets |
1.93 |
1.47 |
1.89 |
1.75 |
1.51 |
1.51 |
1.45 |
1.27 |
15. Ratio of wage bills to intermediation cost |
75.27 |
73.75 |
69.53 |
65.54 |
62.54 |
65.78 |
68.19 |
66.75 |
16. Ratio of wage bills to total expense |
17.91 |
15.27 |
17.72 |
17.63 |
12.77 |
14.32 |
12.56 |
12.04 |
17. Ratio of wage bills to total income |
14.37 |
12.19 |
13.18 |
12.47 |
10.73 |
11.93 |
10.91 |
10.08 |
18. Ratio of burden to total assets |
0.80 |
0.63 |
0.51 |
0.44 |
0.74 |
0.64 |
0.44 |
0.50 |
19. Ratio of burden to interest income |
8.94 |
7.79 |
5.97 |
5.57 |
9.20 |
8.62 |
5.46 |
6.49 |
20. Ratio of operating profits to total assets |
2.00 |
1.79 |
2.55 |
2.70 |
1.41 |
1.39 |
1.19 |
1.37 |
21. Return on assets |
1.24 |
1.05 |
1.39 |
1.44 |
0.81 |
0.62 |
0.59 |
0.87 |
22. Return on equity |
20.37 |
21.40 |
22.92 |
24.12 |
19.63 |
15.29 |
16.20 |
22.08 |
23. Cost of deposits |
7.03 |
6.13 |
6.15 |
5.21 |
6.26 |
5.82 |
6.58 |
5.91 |
24. Cost of borrowings |
2.10 |
1.42 |
1.33 |
0.34 |
0.21 |
0.12 |
4.42 |
3.36 |
25. Cost of funds |
6.54 |
5.75 |
5.93 |
4.90 |
6.08 |
5.42 |
6.50 |
5.78 |
26. Return on advances |
11.57 |
9.62 |
10.64 |
9.79 |
10.13 |
8.95 |
10.00 |
9.39 |
27. Return on investments |
6.52 |
7.18 |
7.27 |
6.49 |
6.92 |
7.14 |
6.55 |
6.00 |
28. Return on advances adjusted to cost of funds |
5.04 |
3.87 |
4.71 |
4.89 |
4.06 |
3.53 |
3.50 |
3.61 |
29. Return on investments adjusted to cost of funds |
-0.02 |
1.43 |
1.34 |
1.59 |
0.84 |
1.72 |
0.05 |
0.22 |
30. Business per employee (in ` lakh) |
656.00 |
963.00 |
654.92 |
807.95 |
750.65 |
746.84 |
732.00 |
901.00 |
31. Profit per employee (in ` lakh) |
5.00 |
6.00 |
5.64 |
7.31 |
3.64 |
3.18 |
2.40 |
4.43 |
32. Capital adequacy ratio |
14.35 |
13.10 |
14.03 |
14.16 |
12.68 |
12.70 |
11.93 |
13.21 |
33. Capital adequacy ratio - Tier I |
8.44 |
7.68 |
8.98 |
9.11 |
7.85 |
8.24 |
6.48 |
7.05 |
34. Capital adequacy ratio - Tier II |
5.91 |
5.42 |
5.05 |
5.05 |
4.83 |
4.46 |
5.45 |
6.16 |
35. Ratio of net NPA to net advances |
0.32 |
0.36 |
0.17 |
0.53 |
0.77 |
1.07 |
1.18 |
1.17 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||
NATIONALISED BANKS |
||||||
(In per cent) |
||||||
Ratios |
As on March 31 |
|||||
Union Bank of India |
United Bank of India |
Vijaya Bank |
||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
1. Cash-Deposit ratio |
6.48 |
7.33 |
8.31 |
6.90 |
10.51 |
6.62 |
2. Credit-Deposit ratio |
69.60 |
70.17 |
64.90 |
62.09 |
65.04 |
67.04 |
3. Investment-Deposit ratio |
31.00 |
31.99 |
32.87 |
38.23 |
31.88 |
34.08 |
4. (Credit+Investment)-Deposit ratio |
100.60 |
102.16 |
97.77 |
100.32 |
96.92 |
101.13 |
5. Ratio of deposits to total liabilities |
86.16 |
87.13 |
87.90 |
88.53 |
87.42 |
88.19 |
6. Ratio of demand & savings bank deposits to total deposits |
30.07 |
31.73 |
37.79 |
38.11 |
24.03 |
24.62 |
7. Ratio of priority sector advances to total advances |
33.13 |
35.04 |
31.10 |
31.68 |
35.01 |
34.70 |
8. Ratio of term loan to total advances |
40.65 |
43.73 |
72.88 |
73.87 |
60.88 |
53.32 |
9. Ratio of secured advances to total advances |
79.31 |
77.56 |
87.07 |
81.11 |
86.49 |
73.41 |
10. Ratio of investments in non-approved securities to total investments |
18.26 |
21.28 |
21.11 |
24.73 |
17.55 |
15.19 |
11. Ratio of interest income to total assets |
8.34 |
7.47 |
7.41 |
7.55 |
8.84 |
7.84 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
2.68 |
2.35 |
2.00 |
2.00 |
1.90 |
2.19 |
13. Ratio of non-interest income to total assets |
1.04 |
1.11 |
0.84 |
0.80 |
1.18 |
1.02 |
14. Ratio of intermediation cost to total assets |
1.55 |
1.41 |
1.68 |
1.54 |
1.56 |
1.62 |
15. Ratio of wage bills to intermediation cost |
52.02 |
54.01 |
67.43 |
61.68 |
64.61 |
65.85 |
16. Ratio of wage bills to total expense |
11.19 |
11.66 |
15.94 |
13.43 |
11.86 |
14.63 |
17. Ratio of wage bills to total income |
8.61 |
8.87 |
13.69 |
11.41 |
10.06 |
12.00 |
18. Ratio of burden to total assets |
0.51 |
0.30 |
0.83 |
0.74 |
0.38 |
0.59 |
19. Ratio of burden to interest income |
6.15 |
4.01 |
11.23 |
9.82 |
4.31 |
7.54 |
20. Ratio of operating profits to total assets |
2.16 |
2.06 |
1.16 |
1.26 |
1.52 |
1.59 |
21. Return on assets |
1.27 |
1.25 |
0.34 |
0.45 |
0.59 |
0.76 |
22. Return on equity |
21.46 |
21.65 |
6.44 |
9.24 |
9.36 |
15.32 |
23. Cost of deposits |
6.09 |
5.52 |
5.86 |
5.99 |
7.42 |
6.05 |
24. Cost of borrowings |
4.87 |
1.12 |
0.66 |
0.02 |
0.56 |
0.05 |
25. Cost of funds |
6.03 |
5.28 |
5.78 |
5.92 |
7.15 |
5.84 |
26. Return on advances |
10.41 |
8.98 |
9.50 |
9.47 |
11.41 |
9.97 |
27. Return on investments |
7.37 |
7.15 |
7.02 |
7.03 |
7.74 |
6.66 |
28. Return on advances adjusted to cost of funds |
4.39 |
3.70 |
3.72 |
3.55 |
4.25 |
4.13 |
29. Return on investments adjusted to cost of funds |
1.34 |
1.87 |
1.24 |
1.11 |
0.59 |
0.82 |
30. Business per employee (in ` lakh) |
694.00 |
853.00 |
585.00 |
714.00 |
756.00 |
836.00 |
31. Profit per employee (in ` lakh) |
6.28 |
7.47 |
1.22 |
2.11 |
2.30 |
4.50 |
32. Capital adequacy ratio |
13.27 |
12.51 |
13.28 |
12.80 |
13.15 |
12.50 |
33. Capital adequacy ratio - Tier I |
8.19 |
7.91 |
7.56 |
8.16 |
7.74 |
7.69 |
34. Capital adequacy ratio - Tier II |
5.08 |
4.60 |
5.72 |
4.64 |
5.41 |
4.81 |
35. Ratio of net NPA to net advances |
0.34 |
0.81 |
1.48 |
1.84 |
0.82 |
1.40 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||
OTHER PUBLIC SECTOR BANK |
||
(In per cent) |
||
Ratios |
As on March 31 |
|
IDBI Bank Ltd. |
||
2009 |
2010 |
|
|
(1) |
(2) |
1. Cash-Deposit ratio |
7.64 |
8.29 |
2. Credit-Deposit ratio |
92.03 |
82.43 |
3. Investment-Deposit ratio |
44.53 |
43.74 |
4. (Credit+Investment)-Deposit ratio |
136.56 |
126.17 |
5. Ratio of deposits to total liabilities |
65.20 |
71.78 |
6.Ratio of demand & savings bank deposits to total deposits |
14.78 |
14.59 |
7. Ratio of priority sector advances to total advances |
21.98 |
22.43 |
8. Ratio of term loan to total advances |
85.25 |
83.11 |
9. Ratio of secured advances to total advances |
86.38 |
86.57 |
10.Ratio of investments in non-approved securities to total investments |
18.63 |
17.09 |
11. Ratio of interest income to total assets |
7.62 |
7.52 |
12.Ratio of net interest income to total assets (Net Interest Margin) |
0.82 |
1.12 |
13. Ratio of non-interest income to total assets |
0.97 |
1.13 |
14. Ratio of intermediation cost to total assets |
0.88 |
0.90 |
15. Ratio of wage bills to intermediation cost |
42.55 |
41.33 |
16. Ratio of wage bills to total expense |
4.89 |
5.10 |
17. Ratio of wage bills to total income |
4.37 |
4.31 |
18. Ratio of burden to total assets |
-0.09 |
-0.23 |
19. Ratio of burden to interest income |
-1.20 |
-3.01 |
20. Ratio of operating profits to total assets |
0.91 |
1.34 |
21. Return on assets |
0.62 |
0.53 |
22. Return on equity |
9.41 |
10.53 |
23. Cost of deposits |
7.14 |
6.56 |
24. Cost of borrowings |
0.93 |
1.02 |
25. Cost of funds |
5.14 |
5.19 |
26. Return on advances |
9.76 |
8.92 |
27. Return on investments |
5.30 |
6.85 |
28. Return on advances adjusted to cost of funds |
4.62 |
3.73 |
29. Return on investments adjusted to cost of funds |
0.17 |
1.66 |
30. Business per employee (in ` lakh) |
2030.33 |
2417.42 |
31. Profit per employee (in ` lakh) |
8.42 |
8.44 |
32. Capital adequacy ratio |
11.57 |
11.31 |
33. Capital adequacy ratio - Tier I |
6.81 |
6.24 |
34. Capital adequacy ratio - Tier II |
4.76 |
5.07 |
35. Ratio of net NPA to net advances |
0.92 |
1.02 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||||
OLD PRIVATE SECTOR BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
Bank of |
Catholic |
City Union |
Dhanalaxmi |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. Cash-Deposit ratio |
4.63 |
7.16 |
5.85 |
8.39 |
7.25 |
8.45 |
7.95 |
8.63 |
2. Credit-Deposit ratio |
51.23 |
55.30 |
58.17 |
64.01 |
68.79 |
66.44 |
64.32 |
70.53 |
3. Investment-Deposit ratio |
44.84 |
44.63 |
34.49 |
32.81 |
29.21 |
31.22 |
31.54 |
28.57 |
4. (Credit+Investment)-Deposit ratio |
96.07 |
99.93 |
92.66 |
96.82 |
98.00 |
97.66 |
95.87 |
99.09 |
5. Ratio of deposits to total liabilities |
88.17 |
87.07 |
89.95 |
90.75 |
88.71 |
88.97 |
88.06 |
87.78 |
6. Ratio of demand & savings bank deposits to total deposits |
27.41 |
32.79 |
26.03 |
25.12 |
18.90 |
21.86 |
24.30 |
21.86 |
7. Ratio of priority sector advances to total advances |
22.58 |
29.87 |
38.34 |
33.71 |
32.33 |
36.83 |
32.86 |
25.08 |
8. Ratio of term loan to total advances |
66.83 |
72.62 |
45.81 |
36.13 |
47.36 |
41.85 |
49.33 |
62.31 |
9. Ratio of secured advances to total advances |
86.45 |
86.12 |
87.48 |
88.99 |
96.65 |
97.26 |
86.27 |
77.26 |
10. Ratio of investments in non-approved securities to total investments |
30.80 |
33.92 |
24.98 |
21.21 |
18.25 |
19.89 |
11.45 |
8.55 |
11. Ratio of interest income to total assets |
8.33 |
7.88 |
8.56 |
7.85 |
9.69 |
9.19 |
8.44 |
7.79 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
2.29 |
1.94 |
2.55 |
1.67 |
2.92 |
2.67 |
2.51 |
2.05 |
13. Ratio of non-interest income to total assets |
0.80 |
0.75 |
1.53 |
1.00 |
1.49 |
1.38 |
1.64 |
1.33 |
14. Ratio of intermediation cost to total assets |
1.91 |
2.86 |
2.87 |
2.57 |
1.68 |
1.59 |
2.34 |
2.81 |
15. Ratio of wage bills to intermediation cost |
66.29 |
77.52 |
63.92 |
61.70 |
46.57 |
48.31 |
55.33 |
56.56 |
16. Ratio of wage bills to total expense |
15.90 |
25.18 |
20.65 |
18.11 |
9.26 |
9.49 |
15.65 |
18.59 |
17. Ratio of wage bills to total income |
13.85 |
25.65 |
18.17 |
17.89 |
7.00 |
7.28 |
12.83 |
17.44 |
18. Ratio of burden to total assets |
1.11 |
2.10 |
1.34 |
1.56 |
0.19 |
0.21 |
0.70 |
1.48 |
19. Ratio of burden to interest income |
13.35 |
26.69 |
15.62 |
19.92 |
1.97 |
2.34 |
8.26 |
19.06 |
20. Ratio of operating profits to total assets |
1.17 |
-0.16 |
1.21 |
0.10 |
2.73 |
2.46 |
1.82 |
0.56 |
21. Return on assets |
0.74 |
-0.58 |
0.57 |
0.02 |
1.50 |
1.52 |
1.21 |
0.35 |
22. Return on equity |
11.86 |
-10.31 |
10.72 |
0.43 |
19.90 |
20.55 |
19.26 |
5.39 |
23. Cost of deposits |
6.67 |
6.52 |
6.54 |
6.70 |
7.60 |
7.28 |
6.52 |
6.14 |
24. Cost of borrowings |
4.63 |
19.17 |
2.03 |
0.04 |
8.51 |
4.23 |
32.03 |
17.95 |
25. Cost of funds |
6.67 |
6.52 |
6.50 |
6.61 |
7.61 |
7.27 |
6.53 |
6.25 |
26. Return on advances |
12.06 |
11.25 |
11.76 |
10.24 |
12.87 |
12.11 |
11.03 |
10.23 |
27. Return on investments |
6.35 |
6.36 |
6.37 |
6.32 |
6.92 |
6.91 |
5.98 |
6.00 |
28. Return on advances adjusted to cost of funds |
5.39 |
4.72 |
5.26 |
3.63 |
5.27 |
4.85 |
4.50 |
3.97 |
29. Return on investments adjusted to cost of funds |
-0.32 |
-0.17 |
-0.14 |
-0.29 |
-0.68 |
-0.36 |
-0.55 |
-0.25 |
30. Business per employee (in ` lakh) |
532.93 |
569.77 |
374.00 |
423.00 |
565.18 |
650.96 |
585.88 |
369.61 |
31. Profit per employee (in ` lakh) |
2.89 |
-2.56 |
1.39 |
0.06 |
4.98 |
5.81 |
4.10 |
0.07 |
32. Capital adequacy ratio |
11.50 |
7.52 |
12.29 |
10.81 |
12.69 |
13.46 |
15.38 |
12.99 |
33. Capital adequacy ratio - Tier I |
6.19 |
3.76 |
8.81 |
8.07 |
11.48 |
12.41 |
13.75 |
8.80 |
34. Capital adequacy ratio - Tier II |
5.31 |
3.76 |
3.48 |
2.74 |
1.21 |
1.05 |
1.63 |
4.19 |
35. Ratio of net NPA to net advances |
0.73 |
1.60 |
2.39 |
1.58 |
1.08 |
0.58 |
0.88 |
0.84 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||||
OLD PRIVATE SECTOR BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
Federal Bank |
ING Vysya |
Jammu & |
Karnataka Bank |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. Cash-Deposit ratio |
6.88 |
6.43 |
7.20 |
9.01 |
6.98 |
7.37 |
6.71 |
7.35 |
2. Credit-Deposit ratio |
69.54 |
74.74 |
67.32 |
71.55 |
63.42 |
61.92 |
58.08 |
60.83 |
3. Investment-Deposit ratio |
37.64 |
36.20 |
42.17 |
40.49 |
32.53 |
37.48 |
44.07 |
42.11 |
4. (Credit+Investment)-Deposit ratio |
107.18 |
110.95 |
109.49 |
112.04 |
95.95 |
99.40 |
102.16 |
102.94 |
5. Ratio of deposits to total liabilities |
82.88 |
82.56 |
78.11 |
76.34 |
87.56 |
87.52 |
88.96 |
87.78 |
6. Ratio of demand & savings bank deposits to total deposits |
24.50 |
26.19 |
26.97 |
32.58 |
38.11 |
40.69 |
19.95 |
23.26 |
7. Ratio of priority sector advances to total advances |
37.80 |
36.55 |
36.73 |
37.15 |
35.10 |
37.44 |
37.02 |
36.39 |
8. Ratio of term loan to total advances |
49.60 |
43.90 |
55.39 |
67.11 |
65.71 |
65.85 |
40.96 |
41.68 |
9. Ratio of secured advances to total advances |
82.88 |
78.78 |
82.25 |
85.81 |
90.65 |
84.13 |
90.88 |
92.79 |
10. Ratio of investments in non-approved securities to total investments |
31.53 |
28.93 |
11.78 |
21.76 |
28.97 |
39.43 |
33.76 |
35.89 |
11. Ratio of interest income to total assets |
9.29 |
8.90 |
7.80 |
6.79 |
8.44 |
7.62 |
9.24 |
8.19 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
3.69 |
3.42 |
2.26 |
2.52 |
2.79 |
2.79 |
2.39 |
1.35 |
13. Ratio of non-interest income to total assets |
1.45 |
1.29 |
1.91 |
1.89 |
0.74 |
1.04 |
1.53 |
1.25 |
14. Ratio of intermediation cost to total assets |
1.60 |
1.64 |
2.69 |
2.46 |
1.34 |
1.44 |
1.64 |
1.55 |
15. Ratio of wage bills to intermediation cost |
55.55 |
54.08 |
50.77 |
53.07 |
59.21 |
63.45 |
54.95 |
53.57 |
16. Ratio of wage bills to total expense |
12.35 |
12.45 |
16.60 |
19.40 |
11.34 |
14.57 |
10.64 |
9.88 |
17. Ratio of wage bills to total income |
8.29 |
8.71 |
14.07 |
15.03 |
8.62 |
10.55 |
8.39 |
8.78 |
18. Ratio of burden to total assets |
0.16 |
0.35 |
0.78 |
0.57 |
0.59 |
0.40 |
0.12 |
0.30 |
19. Ratio of burden to interest income |
1.68 |
3.97 |
10.04 |
8.41 |
7.05 |
5.27 |
1.27 |
3.66 |
20. Ratio of operating profits to total assets |
3.53 |
3.07 |
1.48 |
1.95 |
2.20 |
2.39 |
2.28 |
1.05 |
21. Return on assets |
1.48 |
1.15 |
0.70 |
0.80 |
1.09 |
1.20 |
1.25 |
0.67 |
22. Return on equity |
12.13 |
10.30 |
11.66 |
12.01 |
16.72 |
18.19 |
18.10 |
9.83 |
23. Cost of deposits |
6.45 |
6.35 |
6.18 |
4.61 |
6.22 |
5.24 |
7.53 |
7.54 |
24. Cost of borrowings |
2.50 |
0.00 |
2.32 |
0.38 |
8.36 |
7.93 |
14.12 |
2.54 |
25. Cost of funds |
6.32 |
6.11 |
5.84 |
4.10 |
6.28 |
5.32 |
7.56 |
7.50 |
26. Return on advances |
12.42 |
11.55 |
11.13 |
9.70 |
11.53 |
10.65 |
12.28 |
10.58 |
27. Return on investments |
6.32 |
6.22 |
5.60 |
4.94 |
6.62 |
5.71 |
7.13 |
6.68 |
28. Return on advances adjusted to cost of funds |
6.10 |
5.44 |
5.29 |
5.59 |
5.25 |
5.33 |
4.72 |
3.08 |
29. Return on investments adjusted to cost of funds |
0.01 |
0.12 |
-0.24 |
0.84 |
0.35 |
0.39 |
-0.43 |
-0.82 |
30. Business per employee (in ` lakh) |
750.00 |
813.00 |
606.39 |
623.78 |
500.00 |
731.00 |
649.00 |
727.00 |
31. Profit per employee (in ` lakh) |
6.90 |
6.01 |
3.03 |
3.88 |
5.00 |
7.00 |
5.00 |
3.00 |
32. Capital adequacy ratio |
20.22 |
18.36 |
11.65 |
14.91 |
14.48 |
15.89 |
13.48 |
12.37 |
33. Capital adequacy ratio - Tier I |
18.42 |
16.92 |
6.89 |
10.11 |
13.80 |
12.79 |
10.60 |
9.98 |
34. Capital adequacy ratio - Tier II |
1.80 |
1.44 |
4.76 |
4.80 |
0.68 |
3.10 |
2.88 |
2.39 |
35. Ratio of net NPA to net advances |
0.30 |
0.48 |
1.20 |
1.20 |
1.38 |
0.28 |
0.98 |
1.31 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||||
OLD PRIVATE SECTOR BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
Karur Vysya |
Lakshmi Vilas |
Nainital |
Ratnakar |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
1. Cash-Deposit ratio |
6.38 |
6.22 |
8.04 |
8.27 |
5.54 |
6.50 |
7.14 |
11.38 |
2. Credit-Deposit ratio |
68.93 |
70.04 |
71.14 |
69.17 |
52.94 |
51.38 |
61.29 |
73.84 |
3. Investment-Deposit ratio |
31.23 |
34.26 |
25.31 |
32.87 |
26.23 |
28.18 |
30.95 |
32.00 |
4. (Credit+Investment)-Deposit ratio |
100.16 |
104.30 |
96.45 |
102.04 |
79.17 |
79.56 |
92.24 |
105.84 |
5. Ratio of deposits to total liabilities |
88.52 |
87.63 |
88.60 |
86.55 |
87.62 |
87.15 |
76.57 |
75.99 |
6. Ratio of demand & savings bank deposits to total deposits |
21.89 |
23.53 |
16.78 |
18.22 |
43.27 |
42.40 |
33.47 |
36.12 |
7. Ratio of priority sector advances to total advances |
36.32 |
32.98 |
31.13 |
34.13 |
55.55 |
52.03 |
29.58 |
25.59 |
8. Ratio of term loan to total advances |
34.02 |
32.32 |
39.28 |
42.57 |
41.92 |
42.38 |
48.66 |
45.15 |
9. Ratio of secured advances to total advances |
92.85 |
92.19 |
91.11 |
91.39 |
93.60 |
94.77 |
91.32 |
94.23 |
10. Ratio of investments in non-approved securities to total investments |
18.81 |
13.87 |
9.62 |
13.26 |
20.18 |
21.02 |
22.65 |
22.60 |
11. Ratio of interest income to total assets |
9.14 |
9.00 |
8.87 |
9.68 |
9.30 |
8.43 |
8.67 |
7.60 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
2.59 |
2.89 |
2.07 |
2.65 |
4.12 |
3.52 |
3.99 |
3.11 |
13. Ratio of non-interest income to total assets |
1.68 |
1.26 |
1.44 |
1.10 |
0.46 |
0.62 |
0.98 |
0.70 |
14. Ratio of intermediation cost to total assets |
1.63 |
1.79 |
2.05 |
1.98 |
1.73 |
1.68 |
2.09 |
2.04 |
15. Ratio of wage bills to intermediation cost |
47.69 |
46.83 |
51.72 |
49.59 |
66.60 |
61.74 |
61.65 |
59.14 |
16. Ratio of wage bills to total expense |
9.50 |
10.59 |
11.96 |
10.92 |
16.70 |
15.77 |
19.04 |
18.47 |
17. Ratio of wage bills to total income |
7.18 |
8.14 |
10.26 |
9.13 |
11.82 |
11.50 |
13.35 |
14.54 |
18. Ratio of burden to total assets |
-0.05 |
0.52 |
0.60 |
0.88 |
1.27 |
1.07 |
1.11 |
1.34 |
19. Ratio of burden to interest income |
-0.53 |
5.78 |
6.80 |
9.12 |
13.66 |
12.68 |
12.76 |
17.68 |
20. Ratio of operating profits to total assets |
2.64 |
2.37 |
1.47 |
1.77 |
2.85 |
2.45 |
2.88 |
1.76 |
21. Return on assets |
1.49 |
1.76 |
0.71 |
0.33 |
1.68 |
1.72 |
1.96 |
1.05 |
22. Return on equity |
18.57 |
22.63 |
11.54 |
5.14 |
22.45 |
20.90 |
9.19 |
5.50 |
23. Cost of deposits |
7.34 |
6.84 |
7.42 |
7.83 |
5.84 |
5.58 |
6.15 |
5.87 |
24. Cost of borrowings |
8.94 |
3.28 |
16.56 |
5.79 |
0.18 |
0.30 |
0.78 |
0.34 |
25. Cost of funds |
7.36 |
6.79 |
7.56 |
7.78 |
5.79 |
5.55 |
6.14 |
5.86 |
26. Return on advances |
11.50 |
11.19 |
11.39 |
12.48 |
12.63 |
10.95 |
11.17 |
9.72 |
27. Return on investments |
6.71 |
7.00 |
7.09 |
7.54 |
7.97 |
7.55 |
8.28 |
7.16 |
28. Return on advances adjusted to cost of funds |
4.14 |
4.40 |
3.83 |
4.71 |
6.84 |
5.40 |
5.02 |
3.86 |
29. Return on investments adjusted to cost of funds |
-0.65 |
0.21 |
-0.46 |
-0.23 |
2.18 |
2.00 |
2.14 |
1.30 |
30. Business per employee (in ` lakh) |
638.00 |
789.00 |
510.00 |
560.00 |
425.00 |
521.00 |
373.00 |
391.00 |
31. Profit per employee (in ` lakh) |
5.98 |
8.05 |
2.07 |
1.13 |
6.00 |
6.00 |
5.00 |
3.00 |
32. Capital adequacy ratio |
14.92 |
14.49 |
10.29 |
14.82 |
13.10 |
15.68 |
42.30 |
34.07 |
33. Capital adequacy ratio - Tier I |
14.40 |
12.88 |
8.81 |
12.01 |
11.85 |
14.38 |
41.69 |
33.53 |
34. Capital adequacy ratio - Tier II |
0.52 |
1.61 |
1.48 |
2.81 |
1.25 |
1.30 |
0.61 |
0.54 |
35. Ratio of net NPA to net advances |
0.25 |
0.23 |
1.24 |
4.11 |
0.00 |
0.00 |
0.68 |
0.97 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||
OLD PRIVATE SECTOR BANKS |
||||||
(In per cent) |
||||||
Ratios |
As on March 31 |
|||||
SBI Comm. & |
South Indian |
Tamilnad |
||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
1. Cash-Deposit ratio |
5.80 |
6.04 |
5.51 |
6.04 |
7.46 |
7.90 |
2. Credit-Deposit ratio |
52.88 |
41.73 |
65.49 |
68.76 |
68.70 |
71.20 |
3. Investment-Deposit ratio |
50.30 |
64.95 |
33.58 |
31.10 |
33.53 |
30.06 |
4. (Credit+Investment)-Deposit ratio |
103.18 |
106.68 |
99.06 |
99.86 |
102.22 |
101.27 |
5. Ratio of deposits to total liabilities |
80.53 |
76.59 |
88.78 |
90.12 |
85.08 |
85.67 |
6. Ratio of demand & savings bank deposits to total deposits |
7.34 |
15.41 |
23.80 |
23.13 |
22.01 |
24.97 |
7. Ratio of priority sector advances to total advances |
43.01 |
50.19 |
34.00 |
31.23 |
41.97 |
43.48 |
8. Ratio of term loan to total advances |
60.41 |
58.96 |
40.84 |
37.66 |
45.45 |
45.61 |
9. Ratio of secured advances to total advances |
76.07 |
69.88 |
88.32 |
91.81 |
93.41 |
92.62 |
10. Ratio of investments in non-approved securities to total investments |
43.75 |
40.70 |
33.05 |
21.17 |
22.53 |
12.88 |
11. Ratio of interest income to total assets |
7.75 |
5.86 |
9.00 |
8.43 |
9.72 |
9.01 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
2.58 |
1.09 |
2.79 |
2.48 |
3.32 |
3.02 |
13. Ratio of non-interest income to total assets |
0.44 |
0.85 |
0.88 |
0.91 |
1.35 |
1.39 |
14. Ratio of intermediation cost to total assets |
1.37 |
1.45 |
1.75 |
1.60 |
2.03 |
1.86 |
15. Ratio of wage bills to intermediation cost |
43.39 |
47.00 |
65.20 |
61.81 |
60.87 |
62.21 |
16. Ratio of wage bills to total expense |
9.10 |
10.97 |
14.35 |
13.06 |
14.67 |
14.76 |
17. Ratio of wage bills to total income |
7.27 |
10.17 |
11.57 |
10.56 |
11.17 |
11.15 |
18. Ratio of burden to total assets |
0.93 |
0.60 |
0.88 |
0.69 |
0.68 |
0.47 |
19. Ratio of burden to interest income |
12.01 |
10.25 |
9.73 |
8.15 |
7.00 |
5.24 |
20. Ratio of operating profits to total assets |
1.65 |
0.49 |
1.91 |
1.79 |
2.64 |
2.54 |
21. Return on assets |
1.52 |
0.49 |
1.09 |
1.07 |
1.51 |
1.54 |
22. Return on equity |
9.22 |
2.47 |
15.80 |
16.76 |
16.27 |
17.27 |
23. Cost of deposits |
6.44 |
6.05 |
6.84 |
6.52 |
7.40 |
6.99 |
24. Cost of borrowings |
12.67 |
0.00 |
6.50 |
0.81 |
12.26 |
0.01 |
25. Cost of funds |
6.47 |
6.07 |
6.83 |
6.42 |
7.41 |
6.96 |
26. Return on advances |
10.99 |
10.08 |
11.40 |
10.98 |
12.47 |
11.50 |
27. Return on investments |
6.29 |
4.43 |
6.74 |
5.71 |
7.90 |
7.58 |
28. Return on advances adjusted to cost of funds |
4.53 |
4.01 |
4.56 |
4.56 |
5.06 |
4.54 |
29. Return on investments adjusted to cost of funds |
-0.18 |
-1.64 |
-0.09 |
-0.70 |
0.49 |
0.62 |
30. Business per employee (in ` lakh) |
960.48 |
1055.38 |
645.00 |
771.00 |
679.25 |
870.16 |
31. Profit per employee (in ` lakh) |
13.17 |
4.43 |
4.00 |
5.00 |
6.43 |
8.14 |
32. Capital adequacy ratio |
21.24 |
27.31 |
14.76 |
15.39 |
16.05 |
15.54 |
33. Capital adequacy ratio - Tier I |
21.49 |
26.60 |
13.22 |
12.42 |
15.33 |
14.86 |
34. Capital adequacy ratio - Tier II |
-0.25 |
0.71 |
1.54 |
2.97 |
0.72 |
0.68 |
35. Ratio of net NPA to net advances |
0.00 |
0.00 |
1.13 |
0.39 |
0.34 |
0.24 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||||
NEW PRIVATE SECTOR BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
Axis Bank |
Development |
HDFC Bank |
ICICI Bank |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. Cash-Deposit ratio |
8.02 |
6.70 |
6.17 |
6.09 |
9.47 |
9.25 |
8.03 |
13.62 |
2. Credit-Deposit ratio |
69.48 |
73.85 |
70.46 |
72.27 |
69.24 |
75.17 |
99.98 |
89.70 |
3. Investment-Deposit ratio |
39.47 |
39.61 |
34.90 |
42.15 |
41.19 |
35.01 |
47.20 |
59.84 |
4. (Credit+Investment)-Deposit ratio |
108.96 |
113.46 |
105.36 |
114.42 |
110.43 |
110.18 |
147.18 |
149.54 |
5. Ratio of deposits to total liabilities |
79.46 |
78.22 |
78.19 |
78.01 |
77.92 |
75.25 |
57.57 |
55.59 |
6. Ratio of demand & savings bank deposits to total deposits |
43.15 |
46.73 |
31.01 |
35.36 |
44.37 |
52.03 |
28.70 |
41.69 |
7. Ratio of priority sector advances to total advances |
28.14 |
28.69 |
41.89 |
42.13 |
30.12 |
35.09 |
28.42 |
29.79 |
8. Ratio of term loan to total advances |
70.78 |
71.76 |
68.46 |
55.21 |
73.25 |
75.88 |
82.38 |
83.44 |
9. Ratio of secured advances to total advances |
86.56 |
84.54 |
70.53 |
76.33 |
76.82 |
73.26 |
72.85 |
74.92 |
10. Ratio of investments in non-approved securities to total investments |
38.66 |
38.91 |
21.84 |
21.75 |
11.32 |
12.89 |
38.49 |
43.42 |
11. Ratio of interest income to total assets |
8.42 |
7.09 |
9.54 |
7.61 |
10.32 |
7.97 |
7.98 |
6.92 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
2.87 |
3.05 |
2.92 |
2.35 |
4.69 |
4.13 |
2.15 |
2.19 |
13. Ratio of non-interest income to total assets |
2.25 |
2.40 |
1.78 |
1.77 |
2.08 |
1.88 |
1.95 |
2.01 |
14. Ratio of intermediation cost to total assets |
2.22 |
2.26 |
3.58 |
3.32 |
3.50 |
2.84 |
1.81 |
1.58 |
15. Ratio of wage bills to intermediation cost |
34.91 |
33.85 |
43.15 |
43.85 |
40.45 |
39.71 |
27.99 |
32.86 |
16. Ratio of wage bills to total expense |
9.97 |
12.14 |
15.14 |
16.99 |
15.50 |
16.89 |
6.62 |
8.21 |
17. Ratio of wage bills to total income |
7.27 |
8.06 |
13.65 |
15.54 |
11.41 |
11.46 |
5.10 |
5.80 |
18. Ratio of burden to total assets |
-0.03 |
-0.14 |
1.80 |
1.55 |
1.42 |
0.96 |
-0.14 |
-0.44 |
19. Ratio of burden to interest income |
-0.36 |
-2.03 |
18.90 |
20.40 |
13.73 |
12.10 |
-1.80 |
-6.29 |
20. Ratio of operating profits to total assets |
2.90 |
3.19 |
1.11 |
0.80 |
3.27 |
3.17 |
2.29 |
2.62 |
21. Return on assets |
1.44 |
1.67 |
-1.25 |
-1.30 |
1.28 |
1.53 |
0.98 |
1.13 |
22. Return on equity |
19.12 |
19.15 |
-14.27 |
-13.08 |
17.17 |
16.30 |
7.80 |
7.96 |
23. Cost of deposits |
6.06 |
4.42 |
7.49 |
6.00 |
6.58 |
4.51 |
6.82 |
5.48 |
24. Cost of borrowings |
2.70 |
0.91 |
6.72 |
4.60 |
12.86 |
6.75 |
2.52 |
1.28 |
25. Cost of funds |
5.74 |
4.03 |
7.43 |
5.87 |
6.92 |
4.66 |
5.72 |
4.18 |
26. Return on advances |
10.57 |
8.59 |
13.47 |
10.69 |
14.96 |
10.77 |
10.06 |
8.70 |
27. Return on investments |
7.63 |
6.70 |
6.71 |
5.23 |
7.41 |
6.78 |
6.90 |
5.77 |
28. Return on advances adjusted to cost of funds |
4.83 |
4.57 |
6.04 |
4.82 |
8.04 |
6.11 |
4.33 |
4.51 |
29. Return on investments adjusted to cost of funds |
1.88 |
2.68 |
-0.72 |
-0.65 |
0.49 |
2.12 |
1.18 |
1.59 |
30. Business per employee (in ` lakh) |
1060.00 |
1111.00 |
379.00 |
515.00 |
446.00 |
590.00 |
1154.00 |
1029.00 |
31. Profit per employee (in ` lakh) |
10.00 |
12.00 |
-4.00 |
-5.00 |
4.18 |
5.98 |
11.00 |
12.00 |
32. Capital adequacy ratio |
13.69 |
15.80 |
13.30 |
14.85 |
15.69 |
17.44 |
15.53 |
19.41 |
33. Capital adequacy ratio - Tier I |
9.26 |
11.18 |
11.50 |
11.93 |
10.58 |
13.26 |
11.84 |
13.96 |
34. Capital adequacy ratio - Tier II |
4.43 |
4.62 |
1.80 |
2.92 |
5.11 |
4.18 |
3.69 |
5.45 |
35. Ratio of net NPA to net advances |
0.40 |
0.40 |
3.88 |
3.11 |
0.63 |
0.31 |
2.09 |
2.12 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Concld.) |
||||||
NEW PRIVATE SECTOR BANKS |
||||||
(In per cent) |
||||||
Ratios |
As on March 31 |
|||||
IndusInd Bank |
Kotak |
Yes Bank |
||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
1. Cash-Deposit ratio |
5.39 |
7.86 |
6.36 |
8.73 |
7.90 |
7.45 |
2. Credit-Deposit ratio |
71.33 |
76.94 |
106.27 |
86.97 |
76.71 |
82.81 |
3. Investment-Deposit ratio |
36.56 |
38.94 |
58.23 |
52.38 |
44.02 |
38.10 |
4. (Credit+Investment)-Deposit ratio |
107.89 |
115.88 |
164.51 |
139.36 |
120.72 |
120.91 |
5. Ratio of deposits to total liabilities |
80.07 |
75.52 |
54.49 |
63.81 |
70.61 |
73.66 |
6. Ratio of demand & savings bank deposits to total deposits |
19.24 |
23.67 |
32.72 |
31.24 |
8.73 |
10.52 |
7. Ratio of priority sector advances to total advances |
35.31 |
30.79 |
37.76 |
32.69 |
27.23 |
20.24 |
8. Ratio of term loan to total advances |
58.94 |
57.80 |
83.84 |
79.33 |
76.37 |
78.50 |
9. Ratio of secured advances to total advances |
92.18 |
86.19 |
74.36 |
80.39 |
46.65 |
45.22 |
10. Ratio of investments in non-approved securities to total investments |
22.09 |
18.04 |
10.54 |
22.56 |
34.24 |
33.53 |
11. Ratio of interest income to total assets |
9.08 |
8.60 |
10.75 |
9.84 |
10.04 |
7.99 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
1.80 |
2.81 |
5.33 |
5.62 |
2.55 |
2.66 |
13. Ratio of non-interest income to total assets |
1.79 |
1.76 |
0.96 |
1.90 |
2.19 |
1.9 |
14. Ratio of intermediation cost to total assets |
2.15 |
2.34 |
4.20 |
3.60 |
2.10 |
1.6 |
15. Ratio of wage bills to intermediation cost |
34.21 |
39.48 |
48.78 |
49.06 |
52.09 |
51.36 |
16. Ratio of wage bills to total expense |
7.81 |
11.37 |
21.28 |
22.56 |
11.41 |
12.34 |
17. Ratio of wage bills to total income |
6.77 |
8.91 |
17.48 |
15.02 |
8.94 |
8.72 |
18. Ratio of burden to total assets |
0.36 |
0.58 |
3.24 |
1.70 |
-0.09 |
-0.25 |
19. Ratio of burden to interest income |
3.93 |
6.74 |
30.11 |
17.24 |
-0.92 |
-3.18 |
20. Ratio of operating profits to total assets |
1.45 |
2.24 |
2.09 |
3.92 |
2.65 |
2.91 |
21. Return on assets |
0.58 |
1.14 |
1.03 |
1.72 |
1.59 |
1.79 |
22. Return on equity |
9.84 |
17.25 |
7.36 |
13.29 |
20.65 |
20.27 |
23. Cost of deposits |
7.66 |
6.39 |
6.84 |
4.96 |
8.34 |
5.83 |
24. Cost of borrowings |
6.13 |
1.25 |
3.71 |
3.09 |
10.80 |
7.16 |
25. Cost of funds |
7.53 |
5.69 |
6.00 |
4.50 |
8.67 |
6.05 |
26. Return on advances |
12.56 |
11.63 |
15.50 |
13.51 |
13.63 |
10.24 |
27. Return on investments |
6.57 |
6.05 |
6.12 |
6.72 |
8.18 |
6.76 |
28. Return on advances adjusted to cost of funds |
5.03 |
5.95 |
9.50 |
9.01 |
4.96 |
4.19 |
29. Return on investments adjusted to cost of funds |
-0.96 |
0.36 |
0.12 |
2.22 |
-0.49 |
0.71 |
30. Business per employee (in ` lakh) |
836.00 |
837.46 |
347.00 |
487.00 |
988.36 |
1526.70 |
31. Profit per employee (in ` lakh) |
3.49 |
6.51 |
3.00 |
7.00 |
11.38 |
15.75 |
32. Capital adequacy ratio |
12.55 |
15.33 |
20.01 |
18.35 |
16.60 |
20.60 |
33. Capital adequacy ratio - Tier I |
7.65 |
9.65 |
16.13 |
15.42 |
9.50 |
12.90 |
34. Capital adequacy ratio - Tier II |
4.90 |
5.68 |
3.88 |
2.93 |
7.10 |
7.70 |
35. Ratio of net NPA to net advances |
1.14 |
0.50 |
2.39 |
1.73 |
0.33 |
0.06 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS- 2009 AND 2010 (Contd.) |
||||||||
FOREIGN BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
AB Bank |
Abu Dhabi |
American |
Antwerp Diamond Bank |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. Cash-Deposit ratio |
5.24 |
6.26 |
10.92 |
6.41 |
11.56 |
8.72 |
23.78 |
24.32 |
2. Credit-Deposit ratio |
92.12 |
50.95 |
27.00 |
29.14 |
210.71 |
153.73 |
867.21 |
781.53 |
3. Investment-Deposit ratio |
35.10 |
47.16 |
38.28 |
47.00 |
64.69 |
38.90 |
265.96 |
340.95 |
4. (Credit+Investment)-Deposit ratio |
127.22 |
98.12 |
65.28 |
76.14 |
275.41 |
192.62 |
1,133.16 |
1,122.48 |
5. Ratio of deposits to total liabilities |
38.31 |
38.33 |
77.60 |
77.42 |
27.11 |
38.82 |
8.34 |
8.11 |
6. Ratio of demand & savings bank deposits to total deposits |
78.23 |
95.00 |
42.66 |
38.11 |
0.00 |
0.00 |
76.88 |
74.65 |
7. Ratio of priority sector advances to total advances |
36.93 |
45.17 |
24.93 |
23.95 |
0.00 |
0.00 |
99.92 |
99.85 |
8. Ratio of term loan to total advances |
53.73 |
45.46 |
15.16 |
20.12 |
0.15 |
0.07 |
0.08 |
0.15 |
9. Ratio of secured advances to total advances |
10.07 |
14.76 |
98.84 |
97.96 |
0.08 |
0.04 |
99.92 |
99.92 |
10. Ratio of investments in non-approved securities to total investments |
3.49 |
21.03 |
25.98 |
26.87 |
0.00 |
0.00 |
0.00 |
0.00 |
11. Ratio of interest income to total assets |
5.69 |
3.91 |
7.76 |
6.18 |
6.36 |
4.76 |
5.52 |
4.10 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
4.79 |
3.40 |
4.51 |
3.16 |
-0.31 |
2.36 |
2.95 |
3.14 |
13. Ratio of non-interest income to total assets |
9.50 |
14.75 |
0.86 |
0.49 |
27.52 |
23.46 |
1.53 |
1.83 |
14. Ratio of intermediation cost to total assets |
5.19 |
7.94 |
2.13 |
1.97 |
30.79 |
23.96 |
0.97 |
1.29 |
15. Ratio of wage bills to intermediation cost |
23.77 |
15.45 |
41.12 |
52.74 |
27.23 |
26.84 |
42.79 |
40.53 |
16. Ratio of wage bills to total expense |
20.25 |
14.51 |
16.30 |
20.85 |
22.38 |
24.40 |
11.73 |
23.24 |
17. Ratio of wage bills to total income |
8.11 |
6.58 |
10.18 |
15.61 |
24.74 |
22.79 |
5.89 |
8.81 |
18. Ratio of burden to total assets |
-4.32 |
-6.81 |
1.27 |
1.48 |
3.27 |
0.51 |
-0.56 |
-0.54 |
19. Ratio of burden to interest income |
-75.93 |
-174.20 |
16.38 |
23.98 |
51.42 |
10.68 |
-10.08 |
-13.11 |
20. Ratio of operating profits to total assets |
9.10 |
10.20 |
3.24 |
1.68 |
-3.58 |
1.85 |
3.50 |
3.68 |
21. Return on assets |
4.75 |
5.58 |
2.40 |
1.13 |
-7.92 |
-4.24 |
1.64 |
-0.25 |
22. Return on equity |
7.91 |
9.21 |
14.22 |
6.00 |
-21.80 |
-10.46 |
7.39 |
-0.87 |
23. Cost of deposits |
1.70 |
1.15 |
4.24 |
3.87 |
8.67 |
5.73 |
1.24 |
2.12 |
24. Cost of borrowings |
0.00 |
0.00 |
3.15 |
0.00 |
55.13 |
9.00 |
3.62 |
1.14 |
25. Cost of funds |
2.32 |
1.34 |
4.20 |
3.89 |
19.06 |
6.17 |
3.33 |
1.25 |
26. Return on advances |
11.68 |
10.16 |
11.74 |
8.46 |
8.51 |
7.21 |
5.66 |
4.50 |
27. Return on investments |
6.15 |
4.03 |
6.73 |
4.58 |
8.55 |
3.28 |
7.28 |
4.15 |
28. Return on advances adjusted to cost of funds |
9.36 |
8.82 |
7.54 |
4.57 |
-10.55 |
1.03 |
2.33 |
3.25 |
29. Return on investments adjusted to cost of funds |
3.83 |
2.69 |
2.53 |
0.68 |
-10.50 |
-2.89 |
3.96 |
2.90 |
30. Business per employee (in ` lakh) |
215.69 |
204.63 |
1759.98 |
1542.63 |
133.83 |
137.58 |
3371.97 |
1955.63 |
31. Profit per employee (in ` lakh) |
14.06 |
17.46 |
41.96 |
18.60 |
- |
- |
70.76 |
-7.88 |
32. Capital adequacy ratio |
50.67 |
30.01 |
47.57 |
44.79 |
21.34 |
19.10 |
26.79 |
33.72 |
33. Capital adequacy ratio - Tier I |
49.97 |
29.61 |
46.67 |
43.81 |
20.09 |
17.85 |
26.44 |
33.46 |
34. Capital adequacy ratio - Tier II |
0.70 |
0.40 |
0.90 |
0.98 |
1.25 |
1.25 |
0.35 |
0.26 |
35. Ratio of net NPA to net advances |
6.67 |
7.68 |
- |
0.19 |
4.34 |
1.59 |
3.35 |
14.32 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||||
FOREIGN BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
Bank |
Bank of America |
Bank of |
Bank of Ceylon |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. Cash-Deposit ratio |
- |
- |
7.99 |
14.91 |
6.26 |
8.13 |
4.04 |
13.37 |
2. Credit-Deposit ratio |
- |
- |
80.54 |
66.14 |
60.78 |
75.07 |
52.44 |
44.02 |
3. Investment-Deposit ratio |
- |
- |
88.09 |
152.68 |
31.58 |
42.75 |
35.71 |
68.03 |
4. (Credit+Investment)-Deposit ratio |
- |
- |
168.63 |
218.82 |
92.36 |
117.82 |
88.15 |
112.05 |
5. Ratio of deposits to total liabilities |
- |
- |
42.32 |
40.73 |
77.39 |
74.38 |
45.68 |
45.08 |
6. Ratio of demand & savings bank deposits to total deposits |
- |
- |
77.70 |
55.44 |
19.92 |
31.92 |
40.67 |
33.00 |
7. Ratio of priority sector advances to total advances |
- |
- |
34.32 |
32.55 |
24.41 |
30.98 |
38.33 |
59.59 |
8. Ratio of term loan to total advances |
- |
- |
0.09 |
0.53 |
23.52 |
16.95 |
24.89 |
18.48 |
9. Ratio of secured advances to total advances |
- |
- |
11.08 |
7.76 |
89.64 |
85.80 |
98.17 |
99.36 |
10. Ratio of investments in non-approved securities to total investments |
100.00 |
100.00 |
9.27 |
19.45 |
- |
28.98 |
0.00 |
47.23 |
11. Ratio of interest income to total assets |
0.30 |
1.17 |
6.76 |
4.88 |
8.51 |
6.23 |
7.87 |
5.83 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
0.30 |
1.17 |
5.07 |
3.28 |
4.13 |
2.15 |
6.03 |
3.91 |
13. Ratio of non-interest income to total assets |
1.49 |
-0.12 |
4.38 |
4.23 |
2.60 |
1.56 |
8.77 |
3.10 |
14. Ratio of intermediation cost to total assets |
0.73 |
0.32 |
1.95 |
2.09 |
2.95 |
2.58 |
1.83 |
1.81 |
15. Ratio of wage bills to intermediation cost |
- |
- |
45.93 |
51.99 |
44.13 |
43.09 |
32.65 |
36.46 |
16. Ratio of wage bills to total expense |
- |
- |
24.60 |
29.50 |
17.76 |
16.73 |
16.28 |
17.69 |
17. Ratio of wage bills to total income |
- |
- |
8.04 |
11.94 |
11.70 |
14.30 |
3.58 |
7.40 |
18. Ratio of burden to total assets |
-0.76 |
0.43 |
-2.43 |
-2.13 |
0.35 |
1.02 |
-6.95 |
-1.29 |
19. Ratio of burden to interest income |
-253.49 |
37.21 |
-35.95 |
-43.79 |
4.06 |
16.40 |
-88.28 |
-22.13 |
20. Ratio of operating profits to total assets |
1.06 |
0.73 |
7.49 |
5.42 |
3.79 |
1.13 |
12.98 |
5.20 |
21. Return on assets |
0.94 |
0.62 |
3.42 |
2.60 |
3.14 |
0.38 |
10.23 |
2.73 |
22. Return on equity |
0.96 |
0.63 |
13.06 |
11.99 |
17.86 |
2.42 |
28.00 |
6.69 |
23. Cost of deposits |
- |
- |
2.25 |
3.01 |
5.02 |
5.15 |
3.52 |
4.22 |
24. Cost of borrowings |
- |
- |
2.15 |
0.16 |
11.73 |
0.74 |
0.00 |
0.00 |
25. Cost of funds |
- |
- |
2.22 |
1.85 |
5.19 |
4.92 |
3.35 |
4.16 |
26. Return on advances |
- |
- |
11.28 |
7.60 |
12.31 |
9.09 |
14.11 |
12.88 |
27. Return on investments |
8.17 |
203.91 |
6.10 |
4.80 |
8.30 |
5.13 |
7.01 |
5.24 |
28. Return on advances adjusted to cost of funds |
- |
- |
9.06 |
5.75 |
7.12 |
4.16 |
10.76 |
8.72 |
29. Return on investments adjusted to cost of funds |
- |
- |
3.88 |
2.95 |
3.11 |
0.20 |
3.66 |
1.08 |
30. Business per employee (in ` lakh) |
- |
- |
2430.57 |
3101.97 |
616.00 |
850.00 |
488.00 |
444.00 |
31. Profit per employee (in ` lakh) |
- |
- |
110.85 |
121.26 |
14.00 |
2.00 |
73.00 |
18.00 |
32. Capital adequacy ratio |
501.34 |
531.80 |
12.73 |
15.49 |
25.52 |
25.01 |
45.18 |
50.85 |
33. Capital adequacy ratio - Tier I |
501.34 |
531.80 |
11.23 |
14.97 |
24.47 |
24.45 |
44.11 |
49.49 |
34. Capital adequacy ratio - Tier II |
- |
- |
1.50 |
0.52 |
1.05 |
0.56 |
1.07 |
1.36 |
35. Ratio of net NPA to net advances |
- |
- |
- |
- |
0.09 |
1.95 |
- |
- |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||||
FOREIGN BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
Bank of Nova Scotia |
Bank of Tokyo |
Barclays Bank |
BNP Paribas |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
1. Cash-Deposit ratio |
8.73 |
10.93 |
11.82 |
9.74 |
3.97 |
6.07 |
10.60 |
8.73 |
2. Credit-Deposit ratio |
161.48 |
146.81 |
144.09 |
152.21 |
84.50 |
65.81 |
110.64 |
68.67 |
3. Investment-Deposit ratio |
58.01 |
55.63 |
42.15 |
65.48 |
63.14 |
92.62 |
106.22 |
73.99 |
4. (Credit+Investment)-Deposit ratio |
219.49 |
202.45 |
186.24 |
217.69 |
147.64 |
158.43 |
216.86 |
142.67 |
5. Ratio of deposits to total liabilities |
42.54 |
45.72 |
45.66 |
39.27 |
60.35 |
53.98 |
34.12 |
57.80 |
6. Ratio of demand & savings bank deposits to total deposits |
9.55 |
8.99 |
39.59 |
56.27 |
2.94 |
4.08 |
36.85 |
30.13 |
7. Ratio of priority sector advances to total advances |
36.59 |
28.72 |
26.75 |
36.50 |
19.77 |
30.75 |
32.34 |
42.15 |
8. Ratio of term loan to total advances |
3.52 |
3.95 |
25.10 |
15.47 |
58.70 |
51.33 |
62.47 |
64.20 |
9. Ratio of secured advances to total advances |
53.93 |
55.21 |
22.51 |
23.82 |
16.84 |
30.93 |
42.57 |
59.66 |
10. Ratio of investments in non-approved securities to total investments |
3.94 |
9.16 |
- |
- |
38.55 |
41.30 |
4.57 |
25.79 |
11. Ratio of interest income to total assets |
7.76 |
5.83 |
7.84 |
5.05 |
12.12 |
7.90 |
7.31 |
6.08 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
2.48 |
3.34 |
3.51 |
2.56 |
6.29 |
4.58 |
4.18 |
4.59 |
13. Ratio of non-interest income to total assets |
2.44 |
1.83 |
1.56 |
1.52 |
3.51 |
0.71 |
2.79 |
2.02 |
14. Ratio of intermediation cost to total assets |
0.83 |
0.63 |
1.01 |
1.00 |
5.31 |
3.72 |
2.22 |
2.48 |
15. Ratio of wage bills to intermediation cost |
30.53 |
42.07 |
45.84 |
40.89 |
29.67 |
41.69 |
47.11 |
42.76 |
16. Ratio of wage bills to total expense |
4.16 |
8.48 |
8.69 |
11.72 |
14.15 |
22.00 |
19.57 |
26.72 |
17. Ratio of wage bills to total income |
2.49 |
3.45 |
4.95 |
6.22 |
10.09 |
17.98 |
10.36 |
13.06 |
18. Ratio of burden to total assets |
-1.61 |
-1.21 |
-0.54 |
-0.52 |
1.80 |
3.01 |
-0.57 |
0.45 |
19. Ratio of burden to interest income |
-20.69 |
-20.70 |
-6.95 |
-10.36 |
14.89 |
38.02 |
-7.81 |
7.43 |
20. Ratio of operating profits to total assets |
4.09 |
4.55 |
4.05 |
3.09 |
4.49 |
1.57 |
4.76 |
4.14 |
21. Return on assets |
2.04 |
2.79 |
1.49 |
1.31 |
0.16 |
-3.12 |
2.13 |
2.05 |
22. Return on equity |
19.49 |
20.70 |
5.77 |
4.17 |
0.61 |
-10.54 |
11.84 |
10.34 |
23. Cost of deposits |
7.50 |
3.54 |
6.74 |
4.18 |
9.24 |
5.51 |
3.94 |
2.59 |
24. Cost of borrowings |
4.03 |
1.16 |
2.74 |
0.38 |
4.88 |
0.41 |
5.28 |
1.22 |
25. Cost of funds |
5.94 |
2.40 |
5.26 |
2.98 |
8.68 |
4.50 |
4.54 |
2.11 |
26. Return on advances |
8.52 |
6.98 |
9.04 |
6.44 |
17.29 |
13.38 |
10.11 |
7.59 |
27. Return on investments |
7.84 |
4.25 |
9.30 |
3.20 |
8.18 |
4.52 |
8.14 |
6.72 |
28. Return on advances adjusted to cost of funds |
2.58 |
4.58 |
3.78 |
3.45 |
8.61 |
8.88 |
5.57 |
5.48 |
29. Return on investments adjusted to cost of funds |
1.89 |
1.85 |
4.03 |
0.22 |
-0.50 |
0.02 |
3.60 |
4.61 |
30. Business per employee (in ` lakh) |
3890.97 |
3750.43 |
3107.91 |
3069.80 |
1110.13 |
1113.76 |
2035.00 |
2776.00 |
31. Profit per employee (in ` lakh) |
78.39 |
101.43 |
41.57 |
40.70 |
1.96 |
-42.26 |
49.00 |
55.00 |
32. Capital adequacy ratio |
12.70 |
13.15 |
29.51 |
68.16 |
17.07 |
16.99 |
12.37 |
15.78 |
33. Capital adequacy ratio - Tier I |
9.75 |
11.03 |
28.80 |
67.40 |
16.62 |
16.47 |
8.38 |
10.89 |
34. Capital adequacy ratio - Tier II |
2.95 |
2.12 |
0.71 |
0.76 |
0.45 |
0.52 |
3.99 |
4.89 |
35. Ratio of net NPA to net advances |
- |
- |
- |
- |
4.59 |
5.15 |
0.86 |
- |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||||
FOREIGN BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
Chinatrust |
Citibank |
Credit |
DBS Bank |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
1. Cash-Deposit ratio |
15.23 |
14.40 |
6.35 |
6.24 |
9.92 |
15.93 |
5.41 |
6.46 |
2. Credit-Deposit ratio |
244.27 |
177.94 |
77.25 |
67.32 |
215.44 |
209.59 |
45.21 |
48.30 |
3. Investment-Deposit ratio |
21.73 |
14.54 |
47.45 |
51.62 |
492.57 |
386.70 |
129.68 |
121.34 |
4. (Credit+Investment)-Deposit ratio |
266.00 |
192.48 |
124.70 |
118.94 |
708.00 |
596.28 |
174.89 |
169.64 |
5. Ratio of deposits to total liabilities |
31.49 |
46.89 |
49.09 |
57.02 |
12.37 |
15.09 |
47.94 |
52.42 |
6. Ratio of demand & savings bank deposits to total deposits |
50.74 |
15.31 |
47.48 |
51.50 |
20.65 |
23.78 |
5.48 |
7.14 |
7. Ratio of priority sector advances to total advances |
37.58 |
34.12 |
29.37 |
36.20 |
38.18 |
50.93 |
41.23 |
45.42 |
8. Ratio of term loan to total advances |
27.74 |
36.50 |
72.18 |
72.40 |
20.97 |
24.14 |
20.91 |
27.04 |
9. Ratio of secured advances to total advances |
84.50 |
72.08 |
52.98 |
55.63 |
38.87 |
64.15 |
61.00 |
69.97 |
10. Ratio of investments in non-approved securities to total investments |
- |
- |
4.64 |
2.17 |
18.86 |
27.66 |
49.82 |
48.53 |
11. Ratio of interest income to total assets |
9.33 |
7.75 |
7.23 |
6.05 |
6.20 |
4.82 |
7.47 |
6.19 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
6.10 |
6.39 |
4.67 |
4.04 |
3.09 |
3.34 |
2.91 |
3.96 |
13. Ratio of non-interest income to total assets |
1.53 |
1.65 |
3.79 |
1.59 |
4.56 |
3.51 |
2.79 |
1.09 |
14. Ratio of intermediation cost to total assets |
4.31 |
5.67 |
2.74 |
2.35 |
1.78 |
1.17 |
1.52 |
1.18 |
15. Ratio of wage bills to intermediation cost |
35.22 |
30.73 |
34.04 |
37.17 |
57.86 |
52.92 |
55.52 |
43.74 |
16. Ratio of wage bills to total expense |
20.13 |
24.79 |
17.56 |
20.02 |
21.08 |
23.40 |
13.89 |
15.11 |
17. Ratio of wage bills to total income |
13.99 |
18.52 |
8.45 |
11.42 |
9.58 |
7.46 |
8.24 |
7.08 |
18. Ratio of burden to total assets |
2.79 |
4.01 |
-1.05 |
0.76 |
-2.78 |
-2.33 |
-1.27 |
0.09 |
19. Ratio of burden to interest income |
29.86 |
51.80 |
-14.55 |
12.57 |
-44.82 |
-48.35 |
-16.99 |
1.44 |
20. Ratio of operating profits to total assets |
3.31 |
2.38 |
5.72 |
3.28 |
5.87 |
5.67 |
4.18 |
3.87 |
21. Return on assets |
2.91 |
1.34 |
2.12 |
0.96 |
4.10 |
1.70 |
2.72 |
2.38 |
22. Return on equity |
6.98 |
2.79 |
20.83 |
6.87 |
17.68 |
6.94 |
20.38 |
17.59 |
23. Cost of deposits |
5.16 |
3.03 |
3.91 |
3.15 |
3.10 |
3.81 |
4.03 |
2.86 |
24. Cost of borrowings |
6.77 |
3.99 |
2.42 |
1.03 |
4.18 |
1.14 |
7.77 |
2.21 |
25. Cost of funds |
5.68 |
3.11 |
3.56 |
2.67 |
3.92 |
1.60 |
5.47 |
2.59 |
26. Return on advances |
11.84 |
9.15 |
12.61 |
10.50 |
10.10 |
6.41 |
9.39 |
8.20 |
27. Return on investments |
7.21 |
4.78 |
7.57 |
6.81 |
5.94 |
4.91 |
6.54 |
6.58 |
28. Return on advances adjusted to cost of funds |
6.16 |
6.05 |
9.04 |
7.82 |
6.18 |
4.81 |
3.93 |
5.61 |
29. Return on investments adjusted to cost of funds |
1.52 |
1.68 |
4.01 |
4.14 |
2.02 |
3.30 |
1.08 |
3.99 |
30. Business per employee (in ` lakh) |
675.00 |
963.00 |
1880.10 |
1979.89 |
2105.00 |
2983.00 |
1662.32 |
2554.50 |
31. Profit per employee (in ` lakh) |
18.00 |
10.00 |
45.12 |
18.32 |
130.00 |
71.00 |
72.16 |
64.75 |
32. Capital adequacy ratio |
45.40 |
31.12 |
13.23 |
18.14 |
13.20 |
19.50 |
15.70 |
16.96 |
33. Capital adequacy ratio - Tier I |
44.75 |
30.70 |
12.42 |
17.27 |
9.80 |
14.70 |
10.27 |
11.14 |
34. Capital adequacy ratio - Tier II |
0.65 |
0.42 |
0.81 |
0.87 |
3.40 |
4.80 |
5.43 |
5.82 |
35. Ratio of net NPA to net advances |
- |
1.39 |
2.63 |
2.14 |
- |
6.18 |
0.55 |
1.00 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||||
FOREIGN BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
Deutsche Bank |
FirstRand |
HSBC |
J.P.Morgan |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
1. Cash-Deposit ratio |
11.75 |
12.74 |
|
37.32 |
7.43 |
7.12 |
20.39 |
9.10 |
2. Credit-Deposit ratio |
62.19 |
92.78 |
|
395.08 |
55.21 |
42.11 |
19.59 |
17.07 |
3. Investment-Deposit ratio |
61.53 |
64.95 |
|
4131.01 |
62.34 |
74.06 |
186.65 |
154.47 |
4. (Credit+Investment)-Deposit ratio |
123.72 |
157.73 |
|
4526.08 |
117.55 |
116.17 |
206.24 |
171.54 |
5. Ratio of deposits to total liabilities |
56.69 |
49.17 |
|
1.89 |
52.81 |
61.65 |
34.06 |
49.47 |
6. Ratio of demand & savings bank deposits to total deposits |
70.28 |
51.65 |
|
0.83 |
41.30 |
47.86 |
42.13 |
46.78 |
7. Ratio of priority sector advances to total advances |
33.03 |
26.55 |
|
- |
32.76 |
34.99 |
55.05 |
77.38 |
8. Ratio of term loan to total advances |
51.33 |
53.20 |
|
100.00 |
44.62 |
38.89 |
79.76 |
88.80 |
9. Ratio of secured advances to total advances |
27.32 |
18.25 |
|
- |
59.55 |
57.35 |
23.67 |
21.69 |
10. Ratio of investments in non-approved securities to total investments |
20.70 |
26.36 |
|
- |
42.61 |
32.00 |
48.24 |
69.99 |
11. Ratio of interest income to total assets |
7.58 |
5.93 |
|
2.11 |
7.42 |
5.58 |
5.51 |
3.89 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
5.21 |
4.79 |
|
1.75 |
4.30 |
3.51 |
3.03 |
2.29 |
13. Ratio of non-interest income to total assets |
4.11 |
3.07 |
|
4.47 |
3.17 |
2.31 |
7.74 |
-0.90 |
14. Ratio of intermediation cost to total assets |
4.65 |
3.59 |
|
20.15 |
2.57 |
2.11 |
1.48 |
1.45 |
15. Ratio of wage bills to intermediation cost |
36.73 |
53.39 |
|
73.37 |
39.84 |
42.17 |
56.76 |
60.16 |
16. Ratio of wage bills to total expense |
24.34 |
40.56 |
|
72.07 |
18.01 |
21.28 |
21.22 |
28.60 |
17. Ratio of wage bills to total income |
14.62 |
21.31 |
|
224.69 |
9.69 |
11.26 |
6.34 |
29.09 |
18. Ratio of burden to total assets |
0.55 |
0.52 |
|
15.69 |
-0.59 |
-0.20 |
-6.26 |
2.34 |
19. Ratio of burden to interest income |
7.20 |
8.83 |
|
742.06 |
-7.98 |
-3.59 |
-113.62 |
60.26 |
20. Ratio of operating profits to total assets |
4.66 |
4.27 |
|
-13.94 |
4.89 |
3.71 |
9.29 |
-0.05 |
21. Return on assets |
1.75 |
1.73 |
|
-21.45 |
1.51 |
0.88 |
4.21 |
0.09 |
22. Return on equity |
9.50 |
9.20 |
|
-26.66 |
13.13 |
6.94 |
19.38 |
0.40 |
23. Cost of deposits |
1.66 |
1.12 |
|
- |
4.94 |
3.22 |
3.45 |
2.81 |
24. Cost of borrowings |
8.31 |
3.35 |
|
0.48 |
4.16 |
2.77 |
1.81 |
0.83 |
25. Cost of funds |
3.21 |
1.64 |
|
0.49 |
4.82 |
3.17 |
2.69 |
2.04 |
26. Return on advances |
13.31 |
8.70 |
|
3.57 |
13.63 |
10.36 |
8.36 |
3.34 |
27. Return on investments |
6.99 |
7.00 |
|
1.19 |
8.83 |
6.76 |
6.58 |
4.15 |
28. Return on advances adjusted to cost of funds |
10.11 |
7.07 |
|
3.08 |
8.81 |
7.19 |
5.67 |
1.29 |
29. Return on investments adjusted to cost of funds |
3.79 |
5.36 |
|
0.70 |
4.01 |
3.59 |
3.89 |
2.1 |
30. Business per employee (in ` lakh) |
1434.10 |
1790.76 |
|
71.61 |
961.81 |
1135.52 |
1825.28 |
2135.81 |
31. Profit per employee (in ` lakh) |
26.90 |
29.80 |
|
-106.64 |
16.06 |
11.73 |
253.63 |
6.06 |
32. Capital adequacy ratio |
15.25 |
16.45 |
|
74.73 |
15.31 |
18.03 |
15.90 |
23.63 |
33. Capital adequacy ratio - Tier I |
14.62 |
15.77 |
|
74.69 |
14.12 |
16.63 |
15.38 |
22.92 |
34. Capital adequacy ratio - Tier II |
0.63 |
0.68 |
|
0.04 |
1.19 |
1.40 |
0.52 |
0.71 |
35. Ratio of net NPA to net advances |
0.88 |
0.79 |
|
- |
1.42 |
2.31 |
1.27 |
2.88 |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||||
FOREIGN BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
JSC VTB Bank |
Krung Thai |
Mashreq bank |
Mizuho |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
1. Cash-Deposit ratio |
42.16 |
10.05 |
5.75 |
5.71 |
8.41 |
9.98 |
13.17 |
22.09 |
2. Credit-Deposit ratio |
466.73 |
112.42 |
8.96 |
4.79 |
46.77 |
133.32 |
97.53 |
91.13 |
3. Investment-Deposit ratio |
0.00 |
23.58 |
26.87 |
29.03 |
252.69 |
80.06 |
35.18 |
37.58 |
4. (Credit+Investment)-Deposit ratio |
466.73 |
136.00 |
35.83 |
33.82 |
299.46 |
213.39 |
132.71 |
128.71 |
5. Ratio of deposits to total liabilities |
1.83 |
7.16 |
67.88 |
69.72 |
18.97 |
29.44 |
52.55 |
55.20 |
6. Ratio of demand & savings bank deposits to total deposits |
100.00 |
100.00 |
24.97 |
23.17 |
89.67 |
97.79 |
30.50 |
26.55 |
7. Ratio of priority sector advances to total advances |
- |
- |
62.38 |
31.70 |
99.49 |
99.98 |
26.26 |
28.70 |
8. Ratio of term loan to total advances |
100.00 |
100.00 |
- |
- |
0.51 |
0.02 |
30.46 |
33.75 |
9. Ratio of secured advances to total advances |
100.00 |
100.00 |
97.11 |
100.00 |
100.00 |
100.00 |
34.94 |
42.50 |
10. Ratio of investments in non-approved securities to total investments |
- |
- |
5.80 |
5.52 |
5.70 |
13.81 |
12.44 |
9.24 |
11. Ratio of interest income to total assets |
6.03 |
4.48 |
7.35 |
5.17 |
4.69 |
4.14 |
7.57 |
4.54 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
6.03 |
4.48 |
4.10 |
2.77 |
4.55 |
4.05 |
4.16 |
2.20 |
13. Ratio of non-interest income to total assets |
0.12 |
0.23 |
0.67 |
0.71 |
9.11 |
10.36 |
2.24 |
1.72 |
14. Ratio of intermediation cost to total assets |
6.15 |
6.59 |
2.31 |
2.56 |
5.30 |
6.60 |
2.12 |
2.12 |
15. Ratio of wage bills to intermediation cost |
33.38 |
35.46 |
19.62 |
18.12 |
42.23 |
36.64 |
41.26 |
39.33 |
16. Ratio of wage bills to total expense |
33.38 |
35.46 |
8.15 |
9.36 |
41.18 |
36.15 |
15.83 |
18.74 |
17. Ratio of wage bills to total income |
33.37 |
49.51 |
5.65 |
7.89 |
16.22 |
16.67 |
8.94 |
13.35 |
18. Ratio of burden to total assets |
6.03 |
6.35 |
1.64 |
1.85 |
-3.81 |
-3.76 |
-0.11 |
0.41 |
19. Ratio of burden to interest income |
99.98 |
141.68 |
22.30 |
35.82 |
-81.31 |
-90.88 |
-1.49 |
8.93 |
20. Ratio of operating profits to total assets |
0.00 |
-1.87 |
2.46 |
0.92 |
8.37 |
7.81 |
4.27 |
1.80 |
21. Return on assets |
-0.26 |
-1.16 |
1.36 |
0.52 |
4.43 |
3.35 |
2.43 |
0.89 |
22. Return on equity |
-0.26 |
-1.24 |
4.15 |
1.75 |
6.44 |
4.77 |
7.46 |
2.72 |
23. Cost of deposits |
- |
- |
4.95 |
3.48 |
0.45 |
0.32 |
4.93 |
4.23 |
24. Cost of borrowings |
- |
- |
- |
- |
- |
- |
4.68 |
0.03 |
25. Cost of funds |
- |
- |
4.95 |
3.48 |
0.59 |
0.33 |
4.86 |
3.69 |
26. Return on advances |
8.57 |
13.54 |
8.41 |
7.31 |
5.33 |
3.78 |
10.82 |
7.20 |
27. Return on investments |
0.00 |
2.81 |
7.93 |
6.88 |
6.93 |
8.01 |
6.30 |
4.01 |
28. Return on advances adjusted to cost of funds |
8.57 |
13.54 |
3.47 |
3.83 |
4.75 |
3.46 |
5.96 |
3.52 |
29. Return on investments adjusted to cost of funds |
- |
2.81 |
2.98 |
3.39 |
6.35 |
7.68 |
1.44 |
0.32 |
30. Business per employee (in ` lakh) |
73.26 |
114.00 |
1021.69 |
1015.45 |
310.03 |
191.16 |
2023.79 |
1940.86 |
31. Profit per employee (in ` lakh) |
- |
- |
16.87 |
7.08 |
34.12 |
26.69 |
38.14 |
17.56 |
32. Capital adequacy ratio |
317.51 |
225.93 |
81.86 |
61.02 |
76.80 |
78.21 |
37.58 |
38.98 |
33. Capital adequacy ratio - Tier I |
317.51 |
225.93 |
80.61 |
59.77 |
75.55 |
76.96 |
37.29 |
38.60 |
34. Capital adequacy ratio - Tier II |
- |
- |
1.25 |
1.25 |
1.25 |
1.25 |
0.29 |
0.38 |
35. Ratio of net NPA to net advances |
- |
- |
- |
- |
- |
- |
- |
- |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Contd.) |
||||||||
FOREIGN BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
Oman |
Royal Bank of |
Shinhan Bank |
Societe Generale |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
1. Cash-Deposit ratio |
5.17 |
10.10 |
7.53 |
9.89 |
5.75 |
6.80 |
5.61 |
5.89 |
2. Credit-Deposit ratio |
1.03 |
1.04 |
104.38 |
80.75 |
59.74 |
69.34 |
44.36 |
49.63 |
3. Investment-Deposit ratio |
50.57 |
54.66 |
67.74 |
43.76 |
26.46 |
28.36 |
186.72 |
213.75 |
4. (Credit+Investment)-Deposit ratio |
51.60 |
55.71 |
172.12 |
124.52 |
86.20 |
97.70 |
231.08 |
263.38 |
5. Ratio of deposits to total liabilities |
47.45 |
44.76 |
53.04 |
69.73 |
73.95 |
65.04 |
38.21 |
35.3 |
6. Ratio of demand & savings bank deposits to total deposits |
30.89 |
35.32 |
44.10 |
46.85 |
23.66 |
51.83 |
8.03 |
8.37 |
7. Ratio of priority sector advances to total advances |
- |
- |
39.58 |
45.24 |
23.75 |
33.27 |
35.63 |
30.54 |
8. Ratio of term loan to total advances |
90.60 |
96.68 |
45.04 |
46.49 |
45.39 |
49.07 |
34.43 |
28.02 |
9. Ratio of secured advances to total advances |
100.00 |
100.00 |
52.29 |
60.33 |
51.79 |
58.11 |
60.44 |
72.15 |
10. Ratio of investments in non-approved securities to total investments |
0.61 |
1.26 |
3.55 |
14.54 |
- |
- |
40.28 |
23.82 |
11. Ratio of interest income to total assets |
3.73 |
3.70 |
9.35 |
7.89 |
7.33 |
6.60 |
5.76 |
4.80 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
1.36 |
1.52 |
5.04 |
5.24 |
4.38 |
4.49 |
2.73 |
2.84 |
13. Ratio of non-interest income to total assets |
0.66 |
2.82 |
3.67 |
2.78 |
0.96 |
1.20 |
2.59 |
0.40 |
14. Ratio of intermediation cost to total assets |
1.56 |
1.69 |
4.49 |
3.70 |
1.47 |
1.26 |
2.47 |
2.76 |
15. Ratio of wage bills to intermediation cost |
28.47 |
28.84 |
50.19 |
41.83 |
41.31 |
36.20 |
48.94 |
53.56 |
16. Ratio of wage bills to total expense |
11.32 |
12.59 |
25.61 |
24.37 |
13.74 |
13.54 |
22.01 |
31.34 |
17. Ratio of wage bills to total income |
10.14 |
7.49 |
17.30 |
14.49 |
7.31 |
5.87 |
14.48 |
28.39 |
18. Ratio of burden to total assets |
0.90 |
-1.12 |
0.82 |
0.92 |
0.50 |
0.07 |
-0.12 |
2.35 |
19. Ratio of burden to interest income |
24.28 |
-30.34 |
8.73 |
11.61 |
6.89 |
0.99 |
-2.14 |
49.08 |
20. Ratio of operating profits to total assets |
0.46 |
2.64 |
4.23 |
4.32 |
3.88 |
4.42 |
2.86 |
0.49 |
21. Return on assets |
1.22 |
3.52 |
0.06 |
-0.40 |
1.86 |
2.28 |
2.07 |
0.31 |
22. Return on equity |
1.75 |
5.21 |
0.82 |
-4.49 |
8.05 |
9.28 |
10.51 |
1.18 |
23. Cost of deposits |
4.52 |
4.51 |
4.59 |
3.17 |
4.30 |
3.04 |
5.29 |
4.59 |
24. Cost of borrowings |
3.13 |
1.27 |
3.55 |
2.40 |
3.66 |
0.18 |
1.08 |
0.17 |
25. Cost of funds |
4.32 |
4.04 |
4.19 |
2.94 |
4.25 |
2.93 |
3.14 |
2.16 |
26. Return on advances |
4.07 |
4.25 |
12.47 |
10.32 |
11.20 |
9.53 |
12.68 |
7.58 |
27. Return on investments |
6.74 |
6.75 |
6.12 |
6.24 |
5.96 |
4.60 |
5.13 |
4.72 |
28. Return on advances adjusted to cost of funds |
-0.25 |
0.21 |
8.28 |
7.38 |
6.95 |
6.61 |
9.54 |
5.42 |
29. Return on investments adjusted to cost of funds |
2.42 |
2.72 |
1.93 |
3.30 |
1.71 |
1.68 |
1.99 |
2.55 |
30. Business per employee (in ` lakh) |
480.49 |
522.45 |
1029.41 |
1158.97 |
2445.00 |
2210.54 |
1017.00 |
1098.54 |
31. Profit per employee (in ` lakh) |
7.50 |
24.47 |
0.62 |
-4.06 |
38.58 |
45.77 |
33.83 |
3.85 |
32. Capital adequacy ratio |
25.17 |
41.08 |
12.66 |
12.50 |
36.80 |
40.85 |
22.47 |
22.77 |
33. Capital adequacy ratio - Tier I |
23.25 |
39.83 |
7.43 |
7.94 |
36.35 |
39.89 |
22.08 |
21.96 |
34. Capital adequacy ratio - Tier II |
1.92 |
1.25 |
5.23 |
4.56 |
0.45 |
0.96 |
0.39 |
0.81 |
35. Ratio of net NPA to net advances |
- |
- |
2.20 |
1.95 |
- |
- |
- |
- |
Source : Annual accounts of banks. |
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Concld.) |
||||||||
FOREIGN BANKS |
||||||||
(In per cent) |
||||||||
Ratios |
As on March 31 |
|||||||
Sonali Bank |
Standard |
State Bank of |
UBS AG |
|||||
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
2009 |
2010 |
|
|
(57) |
(58) |
(59) |
(60) |
(61) |
(62) |
(63) |
(64) |
1. Cash-Deposit ratio |
6.88 |
8.42 |
6.02 |
7.89 |
4.26 |
9.30 |
- |
39.19 |
2. Credit-Deposit ratio |
25.04 |
24.68 |
89.68 |
86.22 |
81.31 |
117.84 |
- |
12.25 |
3. Investment-Deposit ratio |
11.40 |
15.76 |
37.20 |
38.34 |
35.68 |
35.17 |
- |
687.47 |
4. (Credit+Investment)-Deposit ratio |
36.43 |
40.44 |
126.89 |
124.56 |
116.98 |
153.01 |
- |
699.72 |
5. Ratio of deposits to total liabilities |
81.37 |
74.42 |
42.89 |
53.82 |
59.38 |
55.83 |
- |
10.79 |
6. Ratio of demand & savings bank deposits to total deposits |
89.54 |
86.40 |
43.06 |
47.49 |
7.04 |
9.03 |
- |
2.21 |
7. Ratio of priority sector advances to total advances |
78.73 |
61.25 |
25.84 |
27.56 |
26.00 |
23.51 |
- |
- |
8. Ratio of term loan to total advances |
4.28 |
5.25 |
38.59 |
39.73 |
78.87 |
64.89 |
- |
- |
9. Ratio of secured advances to total advances |
15.01 |
35.36 |
50.93 |
55.42 |
91.18 |
79.95 |
- |
- |
10. Ratio of investments in non-approved securities to total investments |
- |
- |
9.77 |
19.12 |
0.55 |
8.07 |
- |
46.76 |
11. Ratio of interest income to total assets |
3.14 |
2.44 |
6.61 |
6.07 |
8.23 |
6.97 |
2.53 |
5.54 |
12. Ratio of net interest income to total assets (Net Interest Margin) |
1.66 |
0.92 |
3.70 |
4.16 |
2.58 |
1.27 |
2.53 |
4.39 |
13. Ratio of non-interest income to total assets |
10.60 |
10.61 |
3.62 |
3.03 |
0.57 |
0.73 |
- |
0.74 |
14. Ratio of intermediation cost to total assets |
7.76 |
8.49 |
2.93 |
2.59 |
1.15 |
1.15 |
8.61 |
5.30 |
15. Ratio of wage bills to intermediation cost |
59.71 |
64.57 |
42.09 |
42.35 |
29.58 |
32.82 |
54.00 |
48.70 |
16. Ratio of wage bills to total expense |
50.14 |
54.74 |
21.09 |
24.38 |
5.01 |
5.50 |
54.00 |
39.99 |
17. Ratio of wage bills to total income |
33.72 |
41.99 |
12.03 |
12.04 |
3.87 |
4.89 |
183.95 |
41.08 |
18. Ratio of burden to total assets |
-2.84 |
-2.12 |
-0.70 |
-0.45 |
0.58 |
0.42 |
8.61 |
4.56 |
19. Ratio of burden to interest income |
-90.34 |
-86.88 |
-10.57 |
-7.38 |
7.07 |
5.98 |
340.65 |
82.25 |
20. Ratio of operating profits to total assets |
4.50 |
3.04 |
4.40 |
4.61 |
2.00 |
0.85 |
-6.08 |
-0.17 |
21. Return on assets |
1.98 |
1.64 |
2.87 |
3.03 |
0.90 |
-0.66 |
-7.98 |
0.10 |
22. Return on equity |
19.55 |
11.50 |
20.45 |
19.44 |
3.50 |
-2.46 |
-6.96 |
0.12 |
23. Cost of deposits |
1.22 |
1.35 |
4.98 |
3.20 |
7.05 |
8.79 |
- |
9.21 |
24. Cost of borrowings |
0.00 |
0.00 |
4.47 |
1.64 |
15.92 |
4.68 |
- |
- |
25. Cost of funds |
1.22 |
1.35 |
4.89 |
2.94 |
8.37 |
8.01 |
- |
12.40 |
26. Return on advances |
7.45 |
7.03 |
12.30 |
10.56 |
11.23 |
8.80 |
- |
0.03 |
27. Return on investments |
9.80 |
9.77 |
8.77 |
8.30 |
7.26 |
5.00 |
0.86 |
7.50 |
28. Return on advances adjusted to cost of funds |
6.23 |
5.68 |
7.41 |
7.62 |
2.86 |
0.79 |
- |
-12.38 |
29. Return on investments adjusted to cost of funds |
8.57 |
8.42 |
3.88 |
5.36 |
-1.11 |
-3.01 |
- |
-4.90 |
30. Business per employee (in ` lakh) |
138.45 |
89.14 |
971.43 |
1083.45 |
2357.00 |
2613.00 |
- |
673.73 |
31. Profit per employee (in ` lakh) |
1.29 |
1.58 |
23.82 |
26.31 |
20.00 |
-14.00 |
-109.66 |
3.09 |
32. Capital adequacy ratio |
20.31 |
20.03 |
11.56 |
12.41 |
38.01 |
34.40 |
229.37 |
157.86 |
33. Capital adequacy ratio - Tier I |
20.10 |
19.81 |
7.99 |
8.94 |
35.52 |
31.91 |
229.37 |
157.83 |
34. Capital adequacy ratio - Tier II |
0.21 |
0.22 |
3.57 |
3.47 |
2.49 |
2.49 |
- |
0.03 |
35. Ratio of net NPA to net advances |
2.55 |
3.39 |
1.37 |
1.40 |
0.00 |
4.32 |
- |
- |
Source : Annual accounts of banks. |