TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
NATIONALISED BANKS |
(In per cent) |
|
As on March 31 |
|
Allahabad |
Andhra |
Bank of |
Bank of |
Ratios |
Bank |
Bank |
Baroda |
India |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. |
Cash-Deposit ratio |
6.83 |
8.78 |
7.11 |
9.92 |
5.13 |
6.16 |
6.00 |
7.83 |
2. |
Credit-Deposit ratio |
69.34 |
69.43 |
67.28 |
69.26 |
66.94 |
70.18 |
71.00 |
75.64 |
3. |
Investment-Deposit ratio |
31.48 |
32.67 |
34.50 |
30.14 |
27.97 |
28.86 |
29.61 |
27.87 |
4. |
(Credit+Investment)-Deposit ratio |
100.83 |
102.10 |
101.77 |
99.39 |
94.92 |
99.04 |
100.61 |
103.51 |
5. |
Ratio of deposits to total liabilities |
88.00 |
86.35 |
87.20 |
87.36 |
87.26 |
84.65 |
84.53 |
83.89 |
6. |
Ratio of term deposits to total deposits |
62.03 |
63.96 |
65.47 |
66.43 |
66.82 |
68.78 |
67.78 |
69.39 |
7. |
Ratio of priority sector advances to total advances |
39.39 |
36.94 |
37.49 |
36.98 |
28.76 |
27.62 |
29.81 |
28.41 |
8. |
Ratio of term loan to total advances |
53.68 |
51.86 |
42.98 |
41.95 |
45.28 |
46.47 |
39.01 |
38.73 |
9. |
Ratio of secured advances to total advances |
91.54 |
83.10 |
80.46 |
79.10 |
77.53 |
73.74 |
82.62 |
76.93 |
10. |
Ratio of investments in non-approved securities |
19.43 |
23.65 |
19.55 |
11.29 |
23.77 |
20.90 |
26.48 |
19.21 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.94 |
8.34 |
7.52 |
8.24 |
7.02 |
7.32 |
7.03 |
7.71 |
12. |
Ratio of net interest margin to total assets |
2.85 |
2.36 |
3.21 |
2.73 |
2.79 |
2.42 |
2.71 |
2.64 |
13. |
Ratio of non-interest income to total assets |
0.61 |
1.14 |
1.01 |
1.12 |
1.08 |
1.27 |
1.23 |
1.32 |
14. |
Ratio of intermediation cost to total assets |
1.67 |
1.54 |
2.12 |
1.81 |
1.98 |
1.82 |
2.05 |
1.65 |
15. |
Ratio of wage bills to intermediation cost |
60.43 |
59.60 |
58.81 |
53.95 |
64.62 |
61.47 |
61.88 |
62.65 |
16. |
Ratio of wage bills to total expense |
14.92 |
12.20 |
19.39 |
13.35 |
20.63 |
16.65 |
19.92 |
15.38 |
17. |
Ratio of wage bills to total income |
11.80 |
9.67 |
14.59 |
10.46 |
15.83 |
13.01 |
15.37 |
11.45 |
18. |
Ratio of burden to total assets |
1.06 |
0.40 |
1.10 |
0.70 |
0.91 |
0.55 |
0.82 |
0.33 |
19. |
Ratio of burden to interest income |
13.33 |
4.80 |
14.67 |
8.46 |
12.91 |
7.48 |
11.70 |
4.27 |
20. |
Ratio of operating profits to total assets |
1.79 |
1.96 |
2.11 |
2.03 |
1.88 |
1.88 |
1.89 |
2.31 |
21. |
Return on assets |
1.26 |
1.32 |
1.31 |
1.16 |
0.80 |
0.89 |
0.88 |
1.25 |
22. |
Return on equity |
18.49 |
20.05 |
17.78 |
17.97 |
12.45 |
14.58 |
20.65 |
24.38 |
23. |
Cost of deposits |
5.58 |
6.57 |
4.80 |
6.11 |
4.56 |
5.35 |
4.31 |
5.23 |
24. |
Cost of borrowings |
3.45 |
2.12 |
5.39 |
6.35 |
5.30 |
4.17 |
8.68 |
8.15 |
25. |
Cost of funds |
5.57 |
6.50 |
4.82 |
6.12 |
4.58 |
5.33 |
4.55 |
5.37 |
26. |
Return on advances |
9.22 |
9.80 |
9.22 |
10.23 |
8.27 |
8.84 |
8.51 |
9.34 |
27. |
Return on investments |
8.37 |
8.44 |
6.96 |
7.18 |
7.31 |
6.95 |
6.59 |
6.83 |
28. |
Return on advances adjusted to cost of funds |
3.65 |
3.30 |
4.40 |
4.11 |
3.69 |
3.51 |
3.96 |
3.97 |
29. |
Return on investments adjusted to cost of funds |
2.79 |
1.94 |
2.15 |
1.06 |
2.73 |
1.62 |
2.04 |
1.46 |
30. |
Business per employee (in Rs.lakh) |
495.00 |
604.00 |
536.06 |
626.53 |
555.00 |
710.00 |
498.00 |
652.00 |
31. |
Profit per employee (in Rs.lakh) |
3.68 |
4.85 |
4.14 |
4.30 |
2.73 |
3.94 |
2.71 |
4.95 |
32. |
Capital adequacy ratio |
12.52 |
12.04 |
11.33 |
11.61 |
11.80 |
12.91 |
11.75 |
12.04 |
33. |
Capital adequacy ratio - Tier I |
8.10 |
7.75 |
9.98 |
8.54 |
8.74 |
7.63 |
6.53 |
7.70 |
34. |
Capital adequacy ratio - Tier II |
4.42 |
4.29 |
1.35 |
3.07 |
3.06 |
5.28 |
5.22 |
4.34 |
35. |
Ratio of net NPA to net advances |
1.07 |
0.80 |
0.17 |
0.15 |
0.60 |
0.47 |
0.95 |
0.52 |
Source : Annual accounts of banks of respective years. |
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
NATIONALISED BANKS |
(In per cent) |
|
As on March 31 |
|
Bank of |
Canara |
Central Bank |
Corporation |
Ratios |
Maharashtra |
Bank |
of India |
Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. |
Cash-Deposit ratio |
6.69 |
9.32 |
6.39 |
8.67 |
6.61 |
10.46 |
7.04 |
12.82 |
2. |
Credit-Deposit ratio |
67.57 |
70.13 |
69.18 |
69.60 |
62.57 |
66.17 |
70.71 |
70.70 |
3. |
Investment-Deposit ratio |
33.31 |
29.41 |
31.76 |
32.33 |
33.51 |
28.51 |
34.04 |
29.79 |
4. |
(Credit+Investment)-Deposit ratio |
100.88 |
99.55 |
100.95 |
101.93 |
96.09 |
94.68 |
104.75 |
100.49 |
5. |
Ratio of deposits to total liabilities |
86.95 |
86.72 |
85.79 |
85.35 |
89.00 |
89.00 |
80.34 |
83.22 |
6. |
Ratio of term deposits to total deposits |
56.84 |
57.85 |
68.48 |
68.51 |
57.91 |
63.86 |
65.93 |
64.99 |
7. |
Ratio of priority sector advances to total advances |
39.23 |
37.80 |
37.24 |
39.15 |
39.12 |
32.88 |
35.92 |
35.31 |
8. |
Ratio of term loan to total advances |
64.49 |
70.00 |
46.45 |
51.74 |
60.13 |
66.09 |
60.25 |
54.72 |
9. |
Ratio of secured advances to total advances |
79.71 |
76.06 |
78.50 |
78.09 |
80.66 |
71.99 |
82.33 |
73.59 |
10. |
Ratio of investments in non-approved securities |
16.50 |
13.06 |
16.05 |
12.96 |
19.31 |
15.46 |
18.91 |
13.73 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.75 |
8.12 |
7.61 |
8.20 |
7.44 |
7.37 |
7.21 |
7.57 |
12. |
Ratio of net interest margin to total assets |
3.12 |
2.82 |
2.70 |
2.04 |
2.95 |
2.05 |
2.81 |
2.42 |
13. |
Ratio of non-interest income to total assets |
0.75 |
0.64 |
0.97 |
1.28 |
0.57 |
0.73 |
1.36 |
1.17 |
14. |
Ratio of intermediation cost to total assets |
2.12 |
1.92 |
1.72 |
1.61 |
2.01 |
1.61 |
1.72 |
1.50 |
15. |
Ratio of wage bills to intermediation cost |
62.20 |
58.03 |
62.73 |
59.52 |
69.78 |
69.56 |
47.08 |
47.97 |
16. |
Ratio of wage bills to total expense |
19.55 |
15.42 |
16.25 |
12.35 |
21.59 |
16.15 |
13.25 |
10.79 |
17. |
Ratio of wage bills to total income |
15.53 |
12.70 |
12.56 |
10.12 |
17.52 |
13.82 |
9.47 |
8.20 |
18. |
Ratio of burden to total assets |
1.37 |
1.28 |
0.75 |
0.33 |
1.44 |
0.88 |
0.36 |
0.32 |
19. |
Ratio of burden to interest income |
17.67 |
15.71 |
9.81 |
4.07 |
19.39 |
11.94 |
5.00 |
4.25 |
20. |
Ratio of operating profits to total assets |
1.75 |
1.54 |
1.95 |
1.71 |
1.51 |
1.17 |
2.45 |
2.10 |
21. |
Return on assets |
0.76 |
0.75 |
0.98 |
0.92 |
0.62 |
0.54 |
1.17 |
1.29 |
22. |
Return on equity |
16.41 |
18.64 |
16.25 |
15.01 |
13.77 |
11.31 |
15.02 |
18.39 |
23. |
Cost of deposits |
4.93 |
5.60 |
5.32 |
6.71 |
4.78 |
5.78 |
5.00 |
5.91 |
24. |
Cost of borrowings |
0.97 |
4.03 |
11.69 |
10.87 |
4.35 |
3.19 |
2.42 |
3.73 |
25. |
Cost of funds |
4.88 |
5.60 |
5.35 |
6.77 |
4.78 |
5.76 |
4.85 |
5.80 |
26. |
Return on advances |
8.66 |
9.81 |
8.44 |
9.60 |
8.20 |
8.49 |
8.79 |
9.32 |
27. |
Return on investments |
8.08 |
8.02 |
8.09 |
8.03 |
8.03 |
8.32 |
6.62 |
6.97 |
28. |
Return on advances adjusted to cost of funds |
3.77 |
4.22 |
3.08 |
2.83 |
3.42 |
2.73 |
3.94 |
3.52 |
29. |
Return on investments adjusted to cost of funds |
3.19 |
2.43 |
2.73 |
1.27 |
3.25 |
2.55 |
1.77 |
1.17 |
30. |
Business per employee (in Rs.lakh) |
404.94 |
515.69 |
548.76 |
609.41 |
303.85 |
400.99 |
637.00 |
839.00 |
31. |
Profit per employee (in Rs.lakh) |
1.95 |
2.39 |
3.24 |
3.65 |
1.35 |
1.56 |
4.79 |
6.52 |
32. |
Capital adequacy ratio |
12.06 |
10.26 |
13.50 |
13.25 |
10.40 |
10.42 |
12.76 |
12.09 |
33. |
Capital adequacy ratio - Tier I |
6.03 |
5.13 |
7.17 |
7.01 |
6.32 |
5.42 |
11.30 |
9.64 |
34. |
Capital adequacy ratio - Tier II |
6.03 |
5.13 |
6.33 |
6.24 |
4.08 |
5.00 |
1.46 |
2.45 |
35. Ratio of net NPA to net advances |
1.21 |
0.87 |
0.94 |
0.84 |
1.70 |
1.45 |
0.47 |
0.32 |
Source : Annual accounts of banks of respective years. |
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
NATIONALISED BANKS |
(In per cent) |
|
As on March 31 |
|
Dena |
IDBI |
Indian |
Indian Overseas |
Ratios |
Bank |
Bank Ltd. |
Bank |
Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
1. |
Cash-Deposit ratio |
7.07 |
10.41 |
12.47 |
9.17 |
7.92 |
10.54 |
6.82 |
10.82 |
2. |
Credit-Deposit ratio |
66.10 |
67.83 |
144.09 |
112.62 |
61.71 |
65.26 |
68.46 |
71.66 |
3. |
Investment-Deposit ratio |
33.35 |
30.29 |
59.22 |
44.94 |
44.34 |
35.90 |
34.88 |
33.77 |
4. |
(Credit+Investment)-Deposit ratio |
99.45 |
98.13 |
203.32 |
157.56 |
106.04 |
101.16 |
103.34 |
105.42 |
5. |
Ratio of deposits to total liabilities |
88.04 |
87.84 |
41.75 |
55.85 |
83.87 |
86.58 |
83.57 |
82.79 |
6. |
Ratio of term deposits to total deposits |
55.49 |
60.76 |
74.57 |
83.44 |
64.59 |
67.65 |
65.14 |
66.55 |
7. |
Ratio of priority sector advances to total advances |
39.54 |
34.36 |
14.87 |
18.53 |
45.10 |
37.64 |
38.22 |
33.60 |
8. |
Ratio of term loan to total advances |
53.66 |
47.17 |
87.56 |
86.77 |
62.41 |
62.10 |
53.78 |
52.87 |
9. |
Ratio of secured advances to total advances |
78.67 |
78.06 |
88.62 |
88.19 |
86.66 |
85.37 |
93.15 |
88.97 |
10. |
Ratio of investments in non-approved securities |
16.09 |
16.47 |
36.87 |
28.93 |
20.10 |
18.31 |
12.76 |
12.22 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.31 |
7.73 |
6.60 |
6.84 |
8.08 |
8.13 |
8.24 |
8.66 |
12. |
Ratio of net interest margin to total assets |
2.95 |
2.55 |
0.68 |
0.56 |
3.43 |
3.15 |
3.62 |
2.91 |
13. |
Ratio of non-interest income to total assets |
1.35 |
1.27 |
1.07 |
1.39 |
1.59 |
1.69 |
0.55 |
0.88 |
14. |
Ratio of intermediation cost to total assets |
2.11 |
1.86 |
0.81 |
0.82 |
2.40 |
2.21 |
1.96 |
1.61 |
15. |
Ratio of wage bills to intermediation cost |
62.81 |
57.02 |
36.34 |
40.11 |
70.48 |
69.09 |
67.09 |
63.94 |
16. |
Ratio of wage bills to total expense |
20.49 |
15.03 |
4.38 |
4.62 |
24.01 |
21.22 |
19.98 |
14.02 |
17. |
Ratio of wage bills to total income |
15.30 |
11.76 |
3.84 |
3.98 |
17.51 |
15.56 |
14.97 |
10.82 |
18. |
Ratio of burden to total assets |
0.76 |
0.59 |
-0.26 |
-0.58 |
0.82 |
0.52 |
1.41 |
0.74 |
19. |
Ratio of burden to interest income |
10.38 |
7.62 |
-3.92 |
-8.44 |
10.10 |
6.45 |
17.16 |
8.50 |
20. |
Ratio of operating profits to total assets |
2.19 |
1.96 |
0.94 |
1.14 |
2.62 |
2.62 |
2.20 |
2.17 |
21. |
Return on assets |
0.71 |
1.06 |
0.67 |
0.67 |
1.46 |
1.64 |
1.36 |
1.30 |
22. |
Return on equity |
14.22 |
21.82 |
8.59 |
8.52 |
24.00 |
22.29 |
28.14 |
27.18 |
23. |
Cost of deposits |
4.64 |
5.58 |
5.75 |
6.53 |
5.05 |
5.51 |
4.86 |
6.25 |
24. |
Cost of borrowings |
2.74 |
1.74 |
0.31 |
0.53 |
3.19 |
3.64 |
7.46 |
5.48 |
25. |
Cost of funds |
4.62 |
5.52 |
2.68 |
4.07 |
4.97 |
5.46 |
4.93 |
6.20 |
26. |
Return on advances |
8.56 |
9.45 |
9.10 |
9.00 |
9.90 |
10.17 |
9.54 |
10.28 |
27. |
Return on investments |
7.47 |
7.44 |
3.91 |
4.69 |
7.77 |
7.49 |
7.94 |
8.53 |
28. |
Return on advances adjusted to cost of funds |
3.94 |
3.93 |
6.42 |
4.93 |
4.93 |
4.71 |
4.60 |
4.07 |
29. |
Return on investments adjusted to cost of funds |
2.85 |
1.92 |
1.24 |
0.62 |
2.80 |
2.03 |
3.00 |
2.32 |
30. |
Business per employee (in Rs.lakh) |
458.00 |
559.00 |
1387.16 |
1809.17 |
364.00 |
488.00 |
467.23 |
582.70 |
31. |
Profit per employee (in Rs.lakh) |
1.99 |
3.61 |
8.44 |
8.86 |
3.64 |
4.91 |
4.04 |
4.82 |
32. |
Capital adequacy ratio |
11.52 |
11.09 |
13.73 |
11.95 |
14.14 |
12.86 |
13.27 |
11.96 |
33. |
Capital adequacy ratio - Tier I |
6.06 |
6.75 |
9.11 |
7.42 |
12.28 |
11.41 |
8.20 |
7.86 |
34. |
Capital adequacy ratio - Tier II |
5.46 |
4.34 |
4.62 |
4.53 |
1.86 |
1.45 |
5.07 |
4.10 |
35. |
Ratio of net NPA to net advances |
1.99 |
0.94 |
1.12 |
1.30 |
0.35 |
0.24 |
0.55 |
0.60 |
Source : Annual accounts of banks of respective years. |
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
NATIONALISED BANKS |
(In per cent) |
|
As on March 31 |
|
Oriental Bank |
Punjab and |
Punjab |
Syndicate |
Ratios |
of Commerce |
Sind Bank |
National Bank |
Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
1. |
Cash-Deposit ratio |
8.34 |
9.40 |
5.56 |
7.87 |
8.85 |
9.17 |
8.36 |
10.90 |
2. |
Credit-Deposit ratio |
68.97 |
70.09 |
60.76 |
73.87 |
69.07 |
71.79 |
65.71 |
67.30 |
3. |
Investment-Deposit ratio |
30.95 |
30.76 |
34.65 |
34.12 |
32.31 |
32.44 |
32.09 |
29.50 |
4. |
(Credit+Investment)-Deposit ratio |
99.92 |
100.85 |
95.40 |
108.00 |
101.38 |
104.23 |
97.80 |
96.80 |
5. |
Ratio of deposits to total liabilities |
86.56 |
85.83 |
87.96 |
80.23 |
86.11 |
83.64 |
88.08 |
88.83 |
6. |
Ratio of term deposits to total deposits |
69.70 |
72.10 |
54.28 |
63.66 |
53.84 |
57.01 |
69.37 |
69.05 |
7. |
Ratio of priority sector advances to total advances |
33.08 |
32.13 |
40.27 |
32.30 |
37.81 |
38.67 |
32.81 |
32.13 |
8. |
Ratio of term loan to total advances |
60.58 |
58.89 |
59.44 |
63.46 |
50.52 |
49.54 |
72.44 |
71.87 |
9. |
Ratio of secured advances to total advances |
89.24 |
90.45 |
79.01 |
77.63 |
85.38 |
83.18 |
71.21 |
71.68 |
10. |
Ratio of investments in non-approved securities |
15.55 |
13.28 |
9.09 |
7.47 |
16.75 |
16.62 |
9.99 |
9.89 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.77 |
8.31 |
8.42 |
8.50 |
7.30 |
7.89 |
8.03 |
8.05 |
12. |
Ratio of net interest margin to total assets |
2.55 |
2.04 |
3.74 |
3.08 |
3.39 |
3.06 |
2.86 |
2.11 |
13. |
Ratio of non-interest income to total assets |
0.91 |
0.75 |
1.11 |
1.09 |
1.12 |
1.11 |
0.82 |
0.91 |
14. |
Ratio of intermediation cost to total assets |
1.50 |
1.31 |
2.55 |
2.12 |
2.16 |
1.95 |
1.84 |
1.52 |
15. |
Ratio of wage bills to intermediation cost |
52.20 |
50.88 |
72.09 |
75.00 |
70.72 |
69.82 |
64.54 |
62.15 |
16. |
Ratio of wage bills to total expense |
11.65 |
8.81 |
25.43 |
21.09 |
25.16 |
20.08 |
16.95 |
12.68 |
17. |
Ratio of wage bills to total income |
9.03 |
7.37 |
19.29 |
16.58 |
18.14 |
15.14 |
13.43 |
10.56 |
18. |
Ratio of burden to total assets |
0.59 |
0.56 |
1.44 |
1.03 |
1.04 |
0.85 |
1.02 |
0.62 |
19. |
Ratio of burden to interest income |
7.64 |
6.77 |
17.06 |
12.15 |
14.20 |
10.71 |
12.71 |
7.65 |
20. |
Ratio of operating profits to total assets |
1.95 |
1.48 |
2.30 |
2.05 |
2.35 |
2.22 |
1.84 |
1.50 |
21. |
Return on assets |
1.21 |
1.02 |
1.01 |
1.49 |
1.03 |
1.15 |
0.91 |
0.88 |
22. |
Return on equity |
10.78 |
6.21 |
16.63 |
21.86 |
15.55 |
18.01 |
22.17 |
21.42 |
23. |
Cost of deposits |
5.77 |
6.90 |
4.99 |
6.05 |
4.33 |
5.40 |
5.50 |
6.38 |
24. |
Cost of borrowings |
3.35 |
2.92 |
23.61 |
3.86 |
1.45 |
1.60 |
0.59 |
0.47 |
25. |
Cost of funds |
5.74 |
6.83 |
5.09 |
5.90 |
4.24 |
5.31 |
5.44 |
6.29 |
26. |
Return on advances |
8.49 |
9.80 |
9.87 |
10.17 |
8.93 |
9.66 |
9.49 |
9.88 |
27. |
Return on investments |
8.73 |
8.48 |
8.37 |
8.20 |
7.63 |
7.28 |
8.02 |
7.77 |
28. |
Return on advances adjusted to cost of funds |
2.75 |
2.97 |
4.77 |
4.27 |
4.69 |
4.35 |
4.05 |
3.58 |
29. |
Return on investments adjusted to cost of funds |
2.99 |
1.65 |
3.28 |
2.30 |
3.39 |
1.98 |
2.58 |
1.48 |
30. |
Business per employee (in Rs.lakh) |
742.64 |
924.38 |
328.59 |
466.87 |
407.41 |
504.52 |
489.17 |
586.02 |
31. |
Profit per employee (in Rs.lakh) |
5.61 |
5.84 |
2.34 |
4.24 |
2.68 |
3.66 |
2.76 |
3.18 |
32. |
Capital adequacy ratio |
12.51 |
12.12 |
12.88 |
11.57 |
12.29 |
12.96 |
11.74 |
11.22 |
33. |
Capital adequacy ratio - Tier I |
10.05 |
9.34 |
9.58 |
8.04 |
8.93 |
8.52 |
6.24 |
6.62 |
34. |
Capital adequacy ratio - Tier II |
2.46 |
2.78 |
3.30 |
3.53 |
3.36 |
4.44 |
5.50 |
4.60 |
35. |
Ratio of net NPA to net advances |
0.49 |
0.99 |
0.66 |
0.37 |
0.76 |
0.64 |
0.76 |
0.97 |
|
|
|
|
|
|
|
|
|
|
Source : Annual accounts of banks of respective years. |
|
|
|
|
|
|
|
|
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008(Contd.)
NATIONALISED BANKS |
(In per cent) |
|
As on March 31 |
|
UCO |
Union Bank |
United Bank |
Vijaya |
Ratios |
Bank |
of India |
of India |
Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
1. |
Cash-Deposit ratio |
5.85 |
7.14 |
6.95 |
9.10 |
7.23 |
11.18 |
9.04 |
11.81 |
2. |
Credit-Deposit ratio |
72.45 |
68.93 |
73.24 |
71.59 |
59.61 |
59.31 |
64.42 |
66.09 |
3. |
Investment-Deposit ratio |
30.10 |
30.35 |
32.85 |
32.57 |
39.29 |
39.42 |
31.96 |
34.65 |
4. ( |
Credit+Investment)-Deposit ratio |
102.55 |
99.28 |
106.09 |
104.15 |
98.90 |
98.73 |
96.38 |
100.74 |
5. |
Ratio of deposits to total liabilities |
86.64 |
88.99 |
82.96 |
83.71 |
87.84 |
86.48 |
88.78 |
85.35 |
6. |
Ratio of term deposits to total deposits |
70.80 |
74.34 |
65.50 |
65.14 |
57.97 |
61.43 |
69.21 |
72.70 |
7. |
Ratio of priority sector advances to total advances |
34.63 |
33.03 |
39.87 |
28.30 |
37.38 |
32.44 |
39.51 |
35.70 |
8. |
Ratio of term loan to total advances |
59.24 |
59.92 |
43.65 |
43.64 |
62.04 |
68.33 |
59.16 |
56.36 |
9. |
Ratio of secured advances to total advances |
87.21 |
79.25 |
78.27 |
84.31 |
86.33 |
83.61 |
77.44 |
75.60 |
10. |
Ratio of investments in non-approved securities |
16.08 |
21.18 |
18.14 |
16.57 |
19.78 |
30.50 |
18.54 |
17.50 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.62 |
7.91 |
7.70 |
8.33 |
7.48 |
7.36 |
7.64 |
8.08 |
12. |
Ratio of net interest margin to total assets |
2.32 |
1.81 |
2.91 |
2.72 |
3.04 |
1.87 |
2.90 |
1.88 |
13. |
Ratio of non-interest income to total assets |
0.81 |
0.94 |
0.72 |
0.96 |
0.92 |
0.96 |
0.74 |
0.89 |
14. |
Ratio of intermediation cost to total assets |
1.74 |
1.59 |
1.54 |
1.41 |
2.06 |
1.87 |
1.76 |
1.42 |
15. |
Ratio of wage bills to intermediation cost |
69.86 |
68.50 |
59.20 |
53.06 |
71.62 |
71.04 |
60.26 |
57.74 |
16. |
Ratio of wage bills to total expense |
17.30 |
14.14 |
14.40 |
10.63 |
22.72 |
18.04 |
16.33 |
10.77 |
17. |
Ratio of wage bills to total income |
14.46 |
12.29 |
10.83 |
8.02 |
17.57 |
15.95 |
12.66 |
9.16 |
18. |
Ratio of burden to total assets |
0.94 |
0.65 |
0.82 |
0.45 |
1.14 |
0.91 |
1.02 |
0.54 |
19. |
Ratio of burden to interest income |
12.33 |
8.20 |
10.69 |
5.36 |
15.25 |
12.30 |
13.32 |
6.63 |
20. |
Ratio of operating profits to total assets |
1.38 |
1.16 |
2.09 |
2.28 |
1.90 |
0.97 |
1.88 |
1.34 |
21. |
Return on assets |
0.47 |
0.52 |
0.92 |
1.26 |
0.73 |
0.68 |
0.92 |
0.75 |
22. |
Return on equity |
12.34 |
14.75 |
17.34 |
22.13 |
12.60 |
12.57 |
18.58 |
16.59 |
23. |
Cost of deposits |
5.38 |
6.31 |
5.07 |
6.09 |
4.83 |
5.96 |
5.11 |
6.78 |
24. |
Cost of borrowings |
3.82 |
4.98 |
6.81 |
6.88 |
2.14 |
0.07 |
0.09 |
0.02 |
25. |
Cost of funds |
5.33 |
6.27 |
5.16 |
6.12 |
4.80 |
5.85 |
5.05 |
6.62 |
26. |
Return on advances |
8.39 |
9.32 |
8.76 |
9.85 |
8.78 |
8.98 |
8.63 |
9.67 |
27. |
Return on investments |
7.51 |
7.18 |
7.84 |
8.14 |
7.73 |
7.81 |
8.12 |
8.31 |
28. |
Return on advances adjusted to cost of funds |
3.06 |
3.05 |
3.60 |
3.72 |
3.98 |
3.13 |
3.57 |
3.05 |
29. |
Return on investments adjusted to cost of funds |
2.18 |
0.91 |
2.68 |
2.02 |
2.93 |
1.96 |
3.07 |
1.69 |
30. |
Business per employee (in Rs.lakh) |
464.00 |
580.00 |
509.21 |
698.61 |
350.00 |
463.00 |
455.17 |
612.67 |
31. |
Profit per employee (in Rs.lakh) |
1.30 |
1.76 |
3.25 |
5.39 |
1.59 |
1.99 |
3.04 |
3.32 |
32. |
Capital adequacy ratio |
11.56 |
10.09 |
12.80 |
12.51 |
12.02 |
11.88 |
11.21 |
11.22 |
33. |
Capital adequacy ratio - Tier I |
5.78 |
5.05 |
7.79 |
7.45 |
7.72 |
6.74 |
7.07 |
5.73 |
34. |
Capital adequacy ratio - Tier II |
5.78 |
5.04 |
5.01 |
5.06 |
4.30 |
5.14 |
4.14 |
5.49 |
35. |
Ratio of net NPA to net advances |
2.14 |
1.98 |
0.96 |
0.17 |
1.50 |
1.10 |
0.59 |
0.57 |
Source : Annual accounts of banks of respective years. |