TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
FOREIGN BANKS |
(In per cent) |
|
As on March 31 |
|
AB |
ABN |
Abu Dhabi |
American |
Ratios |
Bank
# |
Amro Bank |
Commercial Bank |
Express Bank# |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. |
Cash-Deposit ratio |
4.08 |
4.48 |
10.08 |
11.31 |
6.95 |
10.42 |
6.49 |
|
2. |
Credit-Deposit ratio |
134.73 |
84.24 |
114.93 |
107.77 |
42.94 |
39.19 |
59.80 |
|
3. |
Investment-Deposit ratio |
37.39 |
36.66 |
40.05 |
62.28 |
30.30 |
39.09 |
73.53 |
|
4. |
(Credit+Investment)-Deposit ratio |
172.12 |
120.89 |
154.98 |
170.05 |
73.24 |
78.28 |
133.33 |
|
5. |
Ratio of deposits to total liabilities |
34.53 |
39.11 |
56.10 |
51.65 |
59.74 |
71.71 |
65.88 |
|
6. |
Ratio of term deposits to total deposits |
19.78 |
9.57 |
62.28 |
60.29 |
70.51 |
60.81 |
69.96 |
|
7. |
Ratio of priority sector advances to total advances |
28.21 |
31.11 |
32.63 |
36.55 |
10.04 |
13.07 |
6.07 |
|
8. |
Ratio of term loan to total advances |
40.99 |
62.76 |
51.15 |
50.81 |
19.52 |
16.46 |
38.57 |
|
9. |
Ratio of secured advances to total advances |
29.74 |
21.51 |
65.10 |
41.76 |
99.87 |
97.11 |
17.65 |
|
10. |
Ratio of investments in non-approved securities |
15.73 |
12.83 |
0.16 |
1.59 |
2.35 |
2.45 |
51.08 |
|
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
6.52 |
5.93 |
8.39 |
9.33 |
6.29 |
9.45 |
7.51 |
|
12. |
Ratio of net interest margin to total assets |
5.75 |
5.35 |
4.41 |
4.85 |
1.94 |
5.56 |
3.18 |
|
13. |
Ratio of non-interest income to total assets |
6.98 |
5.92 |
3.31 |
1.98 |
2.08 |
4.27 |
9.86 |
|
14. |
Ratio of intermediation cost to total assets |
6.00 |
3.98 |
3.73 |
4.01 |
2.55 |
3.90 |
8.82 |
|
15. |
Ratio of wage bills to intermediation cost |
19.08 |
24.24 |
34.47 |
42.16 |
27.67 |
21.79 |
40.31 |
|
16. |
Ratio of wage bills to total expense |
16.93 |
21.18 |
16.65 |
19.92 |
10.22 |
10.90 |
27.03 |
|
17. |
Ratio of wage bills to total income |
8.48 |
8.15 |
10.98 |
14.97 |
8.42 |
6.19 |
20.47 |
|
18. |
Ratio of burden to total assets |
-0.98 |
-1.94 |
0.42 |
2.04 |
0.47 |
-0.37 |
-1.04 |
|
19. |
Ratio of burden to interest income |
-15.08 |
-32.73 |
4.96 |
21.83 |
7.43 |
-3.96 |
-13.84 |
|
20. |
Ratio of operating profits to total assets |
6.73 |
7.30 |
3.99 |
2.81 |
1.47 |
5.93 |
4.22 |
|
21. |
Return on assets |
3.42 |
6.71 |
1.37 |
0.78 |
0.23 |
3.96 |
1.28 |
|
22. |
Return on equity |
5.17 |
6.18 |
21.63 |
12.93 |
2.50 |
31.37 |
12.29 |
|
23. |
Cost of deposits |
1.71 |
1.00 |
2.71 |
3.84 |
4.72 |
4.86 |
5.91 |
|
24. |
Cost of borrowings |
0.00 |
0.00 |
5.93 |
4.20 |
5.96 |
4.24 |
3.30 |
|
25. |
Cost of funds |
2.31 |
1.56 |
3.81 |
3.96 |
5.06 |
4.73 |
5.38 |
|
26. |
Return on advances |
9.20 |
8.63 |
10.11 |
11.26 |
8.83 |
8.15 |
10.94 |
|
27. |
Return on investments |
5.20 |
6.02 |
8.01 |
7.79 |
7.56 |
9.33 |
4.53 |
|
28. |
Return on advances adjusted to cost of funds |
6.88 |
7.07 |
6.30 |
7.30 |
3.78 |
3.42 |
5.56 |
|
29. |
Return on investments adjusted to cost of funds |
2.89 |
4.46 |
4.20 |
3.82 |
2.51 |
4.59 |
-0.85 |
|
30. |
Business per employee (in Rs.lakh) |
209.48 |
212.37 |
1011.88 |
1070.26 |
1865.72 |
1772.97 |
216.75 |
|
31. |
Profit per employee (in Rs.lakh) |
8.80 |
10.74 |
11.36 |
7.66 |
4.80 |
78.29 |
2.59 |
|
32. |
Capital adequacy ratio |
100.00 |
43.09 |
11.34 |
12.92 |
27.66 |
51.71 |
13.00 |
|
33. |
Capital adequacy ratio - Tier I |
93.32 |
42.27 |
7.33 |
7.24 |
27.18 |
50.65 |
12.18 |
|
34. |
Capital adequacy ratio - Tier II |
6.68 |
0.82 |
4.01 |
5.68 |
0.48 |
1.06 |
0.82 |
|
35. |
Ratio of net NPA to net advances |
0.00 |
9.25 |
0.12 |
0.85 |
0.63 |
0.00 |
0.77 |
|
Note : # See ‘ Explanatory Notes’.
Source : Annual accounts of banks of respective years. |
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
FOREIGN BANKS |
(In per cent) |
|
As on March 31 |
|
Antwerp |
Bank |
Bank of |
Bank of |
Ratios |
Diamond |
International |
America |
Bahrain |
|
Bank |
Indonesia |
|
|
& Kuwait |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. |
Cash-Deposit ratio |
44.41 |
48.09 |
19.26 |
0.00 |
7.33 |
10.49 |
5.47 |
8.96 |
2. |
Credit-Deposit ratio |
696.96 |
597.80 |
5.95 |
0.00 |
107.29 |
82.38 |
46.91 |
70.90 |
3. |
Investment-Deposit ratio |
292.54 |
214.33 |
120.61 |
0.00 |
69.40 |
68.67 |
29.90 |
31.17 |
4. |
(Credit+Investment)-Deposit ratio |
989.51 |
812.13 |
126.56 |
0.00 |
176.69 |
151.05 |
76.82 |
102.07 |
5. |
Ratio of deposits to total liabilities |
8.68 |
10.15 |
10.37 |
0.00 |
43.02 |
51.60 |
77.55 |
74.38 |
6. |
Ratio of term deposits to total deposits |
18.16 |
13.01 |
47.50 |
0.00 |
36.12 |
35.30 |
78.49 |
77.06 |
7. |
Ratio of priority sector advances to total advances |
99.74 |
99.81 |
0.00 |
0.00 |
22.44 |
33.28 |
22.47 |
17.87 |
8. |
Ratio of term loan to total advances |
0.26 |
0.19 |
0.00 |
0.00 |
2.03 |
2.17 |
42.18 |
32.28 |
9. |
Ratio of secured advances to total advances |
99.93 |
99.93 |
99.66 |
0.00 |
17.97 |
26.10 |
86.97 |
88.94 |
10. |
Ratio of investments in non-approved securities |
0.00 |
0.00 |
35.73 |
0.00 |
28.70 |
31.59 |
2.61 |
1.68 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
6.55 |
5.78 |
4.48 |
2.34 |
7.00 |
7.12 |
6.52 |
7.00 |
12. |
Ratio of net interest margin to total assets |
2.67 |
2.51 |
3.23 |
2.17 |
4.25 |
4.86 |
2.75 |
3.25 |
13. |
Ratio of non-interest income to total assets |
1.13 |
1.09 |
3.49 |
12.28 |
3.79 |
4.82 |
1.01 |
1.73 |
14. |
Ratio of intermediation cost to total assets |
0.91 |
0.89 |
2.34 |
4.90 |
2.28 |
2.32 |
2.34 |
2.43 |
15. |
Ratio of wage bills to intermediation cost |
46.00 |
46.69 |
23.36 |
21.51 |
55.67 |
53.93 |
40.34 |
40.73 |
16. |
Ratio of wage bills to total expense |
8.78 |
10.00 |
15.21 |
20.78 |
25.20 |
27.31 |
15.45 |
16.03 |
17. |
Ratio of wage bills to total income |
5.48 |
6.05 |
6.85 |
7.21 |
11.74 |
10.48 |
12.55 |
11.35 |
18. |
Ratio of burden to total assets |
-0.22 |
-0.20 |
-1.16 |
-7.38 |
-1.51 |
-2.50 |
1.33 |
0.70 |
19. |
Ratio of burden to interest income |
-3.33 |
-3.52 |
-25.76 |
-315.35 |
-21.62 |
-35.15 |
20.46 |
10.02 |
20. |
Ratio of operating profits to total assets |
2.89 |
2.72 |
4.39 |
9.55 |
5.76 |
7.36 |
1.41 |
2.55 |
21. |
Return on assets |
1.70 |
1.63 |
6.52 |
8.78 |
3.10 |
3.76 |
-1.90 |
4.08 |
22. |
Return on equity |
7.48 |
6.13 |
6.65 |
9.09 |
11.64 |
14.57 |
-9.25 |
21.00 |
23. |
Cost of deposits |
1.01 |
0.93 |
3.87 |
1.08 |
2.30 |
2.62 |
4.39 |
4.50 |
24. |
Cost of borrowings |
5.11 |
4.25 |
4.07 |
1.15 |
9.58 |
7.63 |
11.32 |
4.59 |
25. |
Cost of funds |
4.60 |
3.79 |
3.99 |
1.12 |
4.70 |
3.70 |
4.59 |
4.50 |
26. |
Return on advances |
7.11 |
6.18 |
22.26 |
22.42 |
6.94 |
7.79 |
9.98 |
9.56 |
27. |
Return on investments |
6.77 |
7.84 |
8.25 |
7.60 |
10.45 |
8.86 |
6.28 |
7.46 |
28. |
Return on advances adjusted to cost of funds |
2.51 |
2.39 |
18.26 |
21.30 |
2.24 |
4.08 |
5.38 |
5.06 |
29. |
Return on investments adjusted to cost of funds |
2.18 |
4.05 |
4.25 |
6.47 |
5.75 |
5.15 |
1.68 |
2.96 |
30. |
Business per employee (in Rs.lakh) |
2071.57 |
2618.95 |
97.00 |
0.00 |
1920.89 |
2483.54 |
704.00 |
718.00 |
31. |
Profit per employee (in Rs.lakh) |
55.63 |
53.54 |
37.39 |
233.26 |
69.09 |
102.08 |
-11.00 |
20.00 |
32. |
Capital adequacy ratio |
46.48 |
37.09 |
141.24 |
235.82 |
13.33 |
12.14 |
22.00 |
21.61 |
33. |
Capital adequacy ratio - Tier I |
33.28 |
36.75 |
139.98 |
235.82 |
11.75 |
10.93 |
20.75 |
20.54 |
34. |
Capital adequacy ratio - Tier II |
13.20 |
0.34 |
1.26 |
0.00 |
1.58 |
1.21 |
1.25 |
1.07 |
35. |
Ratio of net NPA to net advances |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.12 |
1.51 |
Source : Annual accounts of banks of respective years. |
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
FOREIGN BANKS |
(In per cent) |
|
As on March 31 |
|
Bank of |
Bank of Nova |
Bank of Tokyo- |
Barclays |
Ratios |
Ceylon |
Scotia |
Mitsubishi UFJ |
Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
1. |
Cash-Deposit ratio |
9.10 |
13.63 |
7.40 |
10.40 |
8.53 |
20.77 |
2.42 |
8.10 |
2. |
Credit-Deposit ratio |
47.33 |
55.87 |
142.84 |
127.14 |
165.39 |
173.88 |
17.10 |
110.63 |
3. |
Investment-Deposit ratio |
35.68 |
39.97 |
52.68 |
43.80 |
54.39 |
44.37 |
132.87 |
41.39 |
4. |
(Credit+Investment)-Deposit ratio |
83.01 |
95.84 |
195.52 |
170.94 |
219.78 |
218.25 |
149.97 |
152.02 |
5. |
Ratio of deposits to total liabilities |
52.19 |
45.85 |
47.18 |
53.26 |
39.95 |
37.91 |
32.34 |
53.39 |
6. |
Ratio of term deposits to total deposits |
60.23 |
55.32 |
88.61 |
94.19 |
34.93 |
44.04 |
99.18 |
94.79 |
7. |
Ratio of priority sector advances to total advances |
53.69 |
58.12 |
37.94 |
38.53 |
22.48 |
23.86 |
17.40 |
14.68 |
8. |
Ratio of term loan to total advances |
15.62 |
15.28 |
6.82 |
2.75 |
25.50 |
24.99 |
6.18 |
66.76 |
9. |
Ratio of secured advances to total advances |
95.32 |
98.87 |
64.20 |
54.46 |
19.62 |
25.19 |
6.75 |
10.85 |
10. |
Ratio of investments in non-approved securities |
0.00 |
0.00 |
8.97 |
5.62 |
18.25 |
0.00 |
59.70 |
22.56 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
5.98 |
6.85 |
6.35 |
6.19 |
5.91 |
7.23 |
5.50 |
7.77 |
12. |
Ratio of net interest margin to total assets |
3.64 |
4.94 |
1.93 |
1.69 |
3.70 |
4.62 |
2.66 |
3.74 |
13. |
Ratio of non-interest income to total assets |
2.01 |
2.18 |
2.02 |
1.98 |
2.28 |
1.44 |
8.69 |
7.07 |
14. |
Ratio of intermediation cost to total assets |
1.56 |
1.64 |
0.98 |
0.70 |
1.94 |
1.03 |
5.12 |
8.62 |
15. |
Ratio of wage bills to intermediation cost |
34.39 |
31.82 |
38.77 |
41.97 |
52.70 |
51.97 |
64.87 |
36.39 |
16. |
Ratio of wage bills to total expense |
13.78 |
14.71 |
7.06 |
5.67 |
24.60 |
14.68 |
41.75 |
24.80 |
17. |
Ratio of wage bills to total income |
6.72 |
5.78 |
4.56 |
3.61 |
12.45 |
6.15 |
23.43 |
21.14 |
18. |
Ratio of burden to total assets |
-0.45 |
-0.54 |
-1.03 |
-1.28 |
-0.35 |
-0.42 |
-3.56 |
1.55 |
19. |
Ratio of burden to interest income |
-7.54 |
-7.91 |
-16.28 |
-20.71 |
-5.84 |
-5.77 |
-64.73 |
19.96 |
20. |
Ratio of operating profits to total assets |
4.09 |
5.48 |
2.96 |
2.97 |
4.05 |
5.04 |
6.22 |
2.19 |
21. |
Return on assets |
1.25 |
2.24 |
1.73 |
1.73 |
2.11 |
2.40 |
4.45 |
0.10 |
22. |
Return on equity |
3.70 |
6.40 |
16.65 |
15.39 |
8.19 |
9.44 |
6.57 |
0.20 |
23. |
Cost of deposits |
4.48 |
3.64 |
5.79 |
6.49 |
2.99 |
3.48 |
4.25 |
5.02 |
24. |
Cost of borrowings |
0.59 |
5.01 |
4.01 |
3.15 |
1.51 |
2.09 |
6.64 |
13.59 |
25. |
Cost of funds |
4.18 |
3.70 |
5.16 |
5.11 |
2.49 |
2.91 |
5.10 |
6.14 |
26. |
Return on advances |
8.35 |
12.77 |
6.78 |
6.69 |
6.86 |
8.61 |
25.74 |
11.07 |
27. |
Return on investments |
6.64 |
7.06 |
6.13 |
6.79 |
6.00 |
6.76 |
9.52 |
8.15 |
28. |
Return on advances adjusted to cost of funds |
4.17 |
9.07 |
1.63 |
1.58 |
4.37 |
5.70 |
20.64 |
4.93 |
29. |
Return on investments adjusted to cost of funds |
2.46 |
3.36 |
0.98 |
1.68 |
3.51 |
3.85 |
4.41 |
2.01 |
30. |
Business per employee (in Rs.lakh) |
579.00 |
483.00 |
2311.12 |
3082.88 |
1780.52 |
2613.45 |
280.54 |
942.33 |
31. |
Profit per employee (in Rs.lakh) |
9.00 |
15.00 |
39.10 |
49.89 |
35.42 |
60.50 |
36.28 |
50.00 |
32. |
Capital adequacy ratio |
63.21 |
55.86 |
23.26 |
20.15 |
30.71 |
26.87 |
13.68 |
21.11 |
33. |
Capital adequacy ratio - Tier I |
62.82 |
54.77 |
22.57 |
14.72 |
26.47 |
26.36 |
13.68 |
20.81 |
34. |
Capital adequacy ratio - Tier II |
0.39 |
1.09 |
0.69 |
5.43 |
4.24 |
0.51 |
0.00 |
0.30 |
35. |
Ratio of net NPA to net advances |
14.96 |
4.01 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.42 |
|
|
|
|
|
|
|
|
|
|
Source : Annual accounts of banks of respective years. |
|
|
|
|
|
|
|
|
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
FOREIGN BANKS |
(In per cent) |
|
As on March 31 |
|
BNP |
Calyon Bank |
Chinatrust |
|
|
Ratios |
Paribas |
Bank |
Commercial Bank |
Citibank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
1. |
Cash-Deposit ratio |
9.16 |
12.36 |
6.71 |
12.79 |
8.45 |
31.28 |
7.94 |
10.16 |
2. |
Credit-Deposit ratio |
111.62 |
116.55 |
129.50 |
159.70 |
112.67 |
139.84 |
86.76 |
83.20 |
3. |
Investment-Deposit ratio |
53.37 |
83.14 |
122.34 |
128.72 |
40.00 |
44.56 |
42.30 |
40.00 |
4. |
(Credit+Investment)-Deposit ratio |
164.99 |
199.69 |
251.85 |
288.42 |
152.67 |
184.40 |
129.06 |
123.20 |
5. |
Ratio of deposits to total liabilities |
49.87 |
42.65 |
23.42 |
24.89 |
54.26 |
44.63 |
57.08 |
55.01 |
6. |
Ratio of term deposits to total deposits |
70.64 |
52.82 |
77.01 |
75.19 |
51.83 |
80.41 |
44.16 |
50.63 |
7. |
Ratio of priority sector advances to total advances |
29.66 |
20.08 |
27.18 |
33.31 |
31.32 |
36.30 |
26.76 |
30.32 |
8. |
Ratio of term loan to total advances |
61.92 |
47.42 |
30.75 |
23.86 |
32.76 |
27.89 |
75.21 |
72.02 |
9. |
Ratio of secured advances to total advances |
51.50 |
45.89 |
51.38 |
42.41 |
64.65 |
76.58 |
50.49 |
51.18 |
10. |
Ratio of investments in non-approved securities |
8.97 |
7.48 |
48.04 |
46.22 |
19.00 |
19.14 |
10.62 |
7.18 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.63 |
7.79 |
6.49 |
7.02 |
6.60 |
7.19 |
7.84 |
7.94 |
12. |
Ratio of net interest margin to total assets |
3.29 |
3.49 |
2.81 |
3.39 |
2.69 |
2.98 |
4.81 |
4.86 |
13. |
Ratio of non-interest income to total assets |
3.45 |
4.30 |
5.85 |
5.85 |
0.72 |
0.81 |
2.41 |
3.26 |
14. |
Ratio of intermediation cost to total assets |
3.26 |
2.98 |
3.05 |
2.74 |
2.33 |
2.46 |
3.31 |
2.90 |
15. |
Ratio of wage bills to intermediation cost |
50.96 |
54.22 |
59.75 |
63.65 |
34.80 |
29.84 |
30.32 |
29.90 |
16. |
Ratio of wage bills to total expense |
21.84 |
22.17 |
27.09 |
27.39 |
12.99 |
11.00 |
15.83 |
14.51 |
17. |
Ratio of wage bills to total income |
14.98 |
13.35 |
14.77 |
13.56 |
11.07 |
9.16 |
9.81 |
7.75 |
18. |
Ratio of burden to total assets |
-0.19 |
-1.32 |
-2.80 |
-3.11 |
1.61 |
1.64 |
0.91 |
-0.36 |
19. |
Ratio of burden to interest income |
-2.53 |
-16.93 |
-43.20 |
-44.26 |
24.34 |
22.85 |
11.56 |
-4.47 |
20. |
Ratio of operating profits to total assets |
3.48 |
4.81 |
5.61 |
6.50 |
1.08 |
1.34 |
3.90 |
5.22 |
21. |
Return on assets |
1.41 |
1.97 |
4.60 |
4.20 |
0.34 |
1.63 |
2.79 |
4.33 |
22. |
Return on equity |
10.24 |
13.35 |
11.98 |
15.54 |
1.51 |
7.50 |
16.44 |
22.62 |
23. |
Cost of deposits |
4.48 |
4.54 |
3.03 |
3.71 |
3.34 |
4.47 |
3.98 |
4.56 |
24. |
Cost of borrowings |
7.76 |
8.00 |
6.87 |
6.33 |
9.28 |
7.64 |
3.51 |
3.20 |
25. |
Cost of funds |
5.46 |
5.69 |
5.41 |
5.31 |
5.23 |
5.57 |
3.87 |
4.26 |
26. |
Return on advances |
7.96 |
8.25 |
9.87 |
9.43 |
8.65 |
9.27 |
10.16 |
11.57 |
27. |
Return on investments |
10.79 |
10.50 |
7.51 |
11.22 |
5.51 |
6.22 |
7.76 |
8.08 |
28. |
Return on advances adjusted to cost of funds |
2.51 |
2.56 |
4.45 |
4.12 |
3.42 |
3.70 |
6.30 |
7.31 |
29. |
Return on investments adjusted to cost of funds |
5.34 |
4.81 |
2.10 |
5.91 |
0.28 |
0.65 |
3.90 |
3.82 |
30. |
Business per employee (in Rs.lakh) |
1353.00 |
1950.00 |
1629.00 |
2249.00 |
1042.00 |
845.00 |
1360.48 |
1763.78 |
31. |
Profit per employee (in Rs.lakh) |
19.00 |
36.00 |
82.00 |
97.00 |
3.00 |
13.00 |
17.33 |
37.73 |
32. |
Capital adequacy ratio |
10.76 |
11.79 |
15.10 |
9.70 |
22.14 |
22.72 |
11.06 |
12.00 |
33. |
Capital adequacy ratio - Tier I |
7.38 |
8.07 |
11.50 |
7.80 |
21.57 |
22.07 |
10.12 |
11.24 |
34. |
Capital adequacy ratio - Tier II |
3.38 |
3.72 |
3.60 |
1.90 |
0.57 |
0.65 |
0.94 |
0.76 |
35. |
Ratio of net NPA to net advances |
0.00 |
0.00 |
0.00 |
0.00 |
0.27 |
0.00 |
1.02 |
1.23 |
|
|
|
|
|
|
|
|
|
|
Source : Annual accounts of banks of respective years. |
|
|
|
|
|
|
|
|
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
FOREIGN BANKS |
(In per cent) |
|
As on March 31 |
|
DBS |
Deutsche |
Hong Kong & |
J P Morgan |
Ratios |
Bank |
Bank |
Shanghai Banking |
Chase Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
1. |
Cash-Deposit ratio |
2.27 |
4.85 |
13.32 |
17.96 |
9.34 |
11.54 |
9.92 |
9.02 |
2. |
Credit-Deposit ratio |
32.06 |
46.40 |
70.86 |
65.14 |
66.45 |
70.26 |
47.96 |
31.97 |
3. |
Investment-Deposit ratio |
28.11 |
88.55 |
88.90 |
73.95 |
40.58 |
45.26 |
262.02 |
185.40 |
4. |
(Credit+Investment)-Deposit ratio |
60.17 |
134.95 |
159.76 |
139.09 |
107.03 |
115.52 |
309.98 |
217.38 |
5. |
Ratio of deposits to total liabilities |
63.19 |
56.08 |
39.39 |
55.66 |
63.40 |
56.14 |
26.72 |
40.90 |
6. |
Ratio of term deposits to total deposits |
97.89 |
96.87 |
25.63 |
30.55 |
56.47 |
53.88 |
47.34 |
57.98 |
7. |
Ratio of priority sector advances to total advances |
28.90 |
46.91 |
33.00 |
21.32 |
22.01 |
28.24 |
31.48 |
39.14 |
8. |
Ratio of term loan to total advances |
31.39 |
25.34 |
27.95 |
35.17 |
53.63 |
46.69 |
98.38 |
96.80 |
9. |
Ratio of secured advances to total advances |
63.00 |
48.00 |
24.51 |
30.28 |
56.13 |
52.90 |
56.86 |
22.72 |
10. |
Ratio of investments in non-approved securities |
37.13 |
38.56 |
31.16 |
8.15 |
27.19 |
24.45 |
20.19 |
38.09 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
8.25 |
8.37 |
6.53 |
6.81 |
7.59 |
7.61 |
6.13 |
6.30 |
12. |
Ratio of net interest margin to total assets |
3.00 |
3.18 |
3.39 |
4.28 |
4.97 |
4.53 |
3.33 |
3.46 |
13. |
Ratio of non-interest income to total assets |
1.86 |
-0.44 |
4.39 |
4.79 |
2.62 |
3.24 |
3.77 |
5.28 |
14. |
Ratio of intermediation cost to total assets |
1.60 |
1.16 |
5.00 |
4.99 |
3.43 |
3.28 |
1.55 |
1.79 |
15. |
Ratio of wage bills to intermediation cost |
62.02 |
62.90 |
51.19 |
47.09 |
38.94 |
41.53 |
55.96 |
60.88 |
16. |
Ratio of wage bills to total expense |
14.52 |
11.52 |
31.45 |
31.25 |
22.05 |
21.41 |
19.95 |
23.51 |
17. |
Ratio of wage bills to total income |
9.84 |
9.23 |
23.44 |
20.26 |
13.07 |
12.55 |
8.75 |
9.39 |
18. |
Ratio of burden to total assets |
-0.26 |
1.60 |
0.61 |
0.20 |
0.81 |
0.04 |
-2.22 |
-3.50 |
19. |
Ratio of burden to interest income |
-3.13 |
19.18 |
9.34 |
2.97 |
10.61 |
0.57 |
-36.28 |
-55.57 |
20. |
Ratio of operating profits to total assets |
3.26 |
1.57 |
2.78 |
4.08 |
4.16 |
4.49 |
5.56 |
6.96 |
21. |
Return on assets |
1.60 |
0.86 |
1.23 |
1.56 |
1.82 |
1.82 |
1.71 |
3.07 |
22. |
Return on equity |
8.99 |
5.86 |
13.42 |
12.39 |
16.38 |
16.31 |
12.16 |
15.19 |
23. |
Cost of deposits |
3.84 |
2.73 |
1.88 |
2.17 |
3.53 |
4.49 |
2.86 |
4.06 |
24. |
Cost of borrowings |
24.38 |
19.80 |
6.03 |
5.14 |
3.20 |
3.78 |
1.12 |
1.18 |
25. |
Cost of funds |
7.52 |
6.74 |
4.00 |
3.25 |
3.49 |
4.39 |
1.97 |
2.52 |
26. |
Return on advances |
8.89 |
9.18 |
9.46 |
10.29 |
10.60 |
12.26 |
5.82 |
11.16 |
27. |
Return on investments |
14.06 |
9.26 |
5.95 |
6.82 |
9.18 |
8.88 |
6.48 |
6.22 |
28. |
Return on advances adjusted to cost of funds |
1.37 |
2.45 |
5.45 |
7.05 |
7.11 |
7.87 |
3.85 |
8.64 |
29. |
Return on investments adjusted to cost of funds |
6.54 |
2.52 |
1.95 |
3.58 |
5.69 |
4.49 |
4.52 |
3.70 |
30. |
Business per employee (in Rs.lakh) |
1003.02 |
1416.58 |
1143.53 |
1616.74 |
979.68 |
1012.34 |
1121.88 |
1438.95 |
31. |
Profit per employee (in Rs.lakh) |
39.84 |
28.27 |
20.98 |
27.54 |
14.32 |
16.69 |
82.15 |
153.77 |
32. |
Capital adequacy ratio |
29.24 |
18.15 |
10.62 |
13.58 |
11.06 |
10.59 |
16.14 |
17.72 |
33. |
Capital adequacy ratio - Tier I |
22.84 |
14.98 |
9.73 |
13.09 |
10.01 |
9.72 |
15.99 |
17.60 |
34. |
Capital adequacy ratio - Tier II |
6.40 |
3.17 |
0.89 |
0.49 |
1.05 |
0.87 |
0.15 |
0.12 |
35. |
Ratio of net NPA to net advances |
0.00 |
0.05 |
0.01 |
0.22 |
0.43 |
0.58 |
2.17 |
2.12 |
Source : Annual accounts of banks of respective years. |
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
FOREIGN BANKS |
(In per cent) |
|
As on March 31 |
|
Krung |
Mashreq |
Mizuho |
Oman |
Ratios |
Thai Bank |
Bank |
Corporate |
International |
|
|
|
|
|
Bank |
Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
1. |
Cash-Deposit ratio |
5.93 |
7.80 |
7.88 |
15.22 |
9.83 |
9.29 |
6.20 |
8.73 |
2. |
Credit-Deposit ratio |
21.24 |
11.05 |
93.08 |
130.29 |
528.39 |
191.58 |
0.91 |
0.83 |
3. |
Investment-Deposit ratio |
44.57 |
27.88 |
79.44 |
83.37 |
131.73 |
55.23 |
53.82 |
52.71 |
4. |
(Credit+Investment)-Deposit ratio |
65.80 |
38.92 |
172.51 |
213.66 |
660.12 |
246.81 |
54.74 |
53.54 |
5. |
Ratio of deposits to total liabilities |
52.60 |
63.27 |
31.89 |
26.75 |
13.01 |
36.48 |
49.10 |
45.81 |
6. |
Ratio of term deposits to total deposits |
51.16 |
57.38 |
51.66 |
10.29 |
41.25 |
52.56 |
77.02 |
73.02 |
7. |
Ratio of priority sector advances to total advances |
16.45 |
64.41 |
99.58 |
99.77 |
30.99 |
27.00 |
0.00 |
0.00 |
8. |
Ratio of term loan to total advances |
12.10 |
0.00 |
0.42 |
0.23 |
25.69 |
24.61 |
94.48 |
94.41 |
9. |
Ratio of secured advances to total advances |
96.61 |
100.00 |
99.99 |
100.00 |
32.67 |
39.69 |
100.00 |
100.00 |
10. |
Ratio of investments in non-approved securities |
36.79 |
6.98 |
17.84 |
0.00 |
20.40 |
21.00 |
0.00 |
0.00 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
6.94 |
7.02 |
7.69 |
6.97 |
6.02 |
6.93 |
3.97 |
3.74 |
12. |
Ratio of net interest margin to total assets |
5.69 |
4.85 |
7.00 |
6.75 |
3.97 |
3.80 |
0.86 |
0.65 |
13. |
Ratio of non-interest income to total assets |
0.48 |
0.77 |
7.95 |
8.50 |
1.83 |
1.82 |
0.23 |
0.17 |
14. |
Ratio of intermediation cost to total assets |
3.10 |
2.33 |
5.69 |
5.01 |
2.32 |
2.37 |
1.41 |
1.51 |
15. |
Ratio of wage bills to intermediation cost |
25.00 |
21.36 |
39.99 |
44.06 |
39.93 |
37.90 |
29.26 |
28.42 |
16. |
Ratio of wage bills to total expense |
17.78 |
11.07 |
35.68 |
42.24 |
21.19 |
16.35 |
9.13 |
9.31 |
17. |
Ratio of wage bills to total income |
10.43 |
6.40 |
14.56 |
14.28 |
11.82 |
10.28 |
9.81 |
10.95 |
18. |
Ratio of burden to total assets |
2.61 |
1.56 |
-2.26 |
-3.49 |
0.50 |
0.56 |
1.18 |
1.34 |
19. |
Ratio of burden to interest income |
37.64 |
22.26 |
-29.34 |
-50.04 |
8.26 |
8.02 |
29.61 |
35.73 |
20. |
Ratio of operating profits to total assets |
3.07 |
3.29 |
9.26 |
10.24 |
3.47 |
3.24 |
-0.31 |
-0.69 |
21. |
Return on assets |
1.72 |
1.90 |
8.19 |
8.82 |
1.30 |
1.96 |
-0.90 |
3.15 |
22. |
Return on equity |
3.34 |
4.50 |
15.29 |
11.77 |
3.23 |
5.25 |
-1.51 |
4.70 |
23. |
Cost of deposits |
2.61 |
3.69 |
1.10 |
0.62 |
4.48 |
3.38 |
5.55 |
5.93 |
24. |
Cost of borrowings |
0.00 |
0.00 |
1.80 |
0.00 |
4.23 |
5.69 |
6.02 |
3.56 |
25. |
Cost of funds |
2.62 |
3.69 |
1.11 |
0.66 |
4.32 |
4.71 |
5.61 |
5.60 |
26. |
Return on advances |
9.25 |
9.10 |
7.25 |
3.86 |
7.72 |
8.08 |
34.66 |
11.33 |
27. |
Return on investments |
6.04 |
6.97 |
6.42 |
7.56 |
5.09 |
6.67 |
6.45 |
6.52 |
28. |
Return on advances adjusted to cost of funds |
6.63 |
5.41 |
6.14 |
3.20 |
3.40 |
3.37 |
29.05 |
5.73 |
29. |
Return on investments adjusted to cost of funds |
3.42 |
3.28 |
5.31 |
6.90 |
0.77 |
1.97 |
0.84 |
0.92 |
30. |
Business per employee (in Rs.lakh) |
539.16 |
812.81 |
440.07 |
225.63 |
918.87 |
1589.56 |
528.62 |
484.99 |
31. |
Profit per employee (in Rs.lakh) |
13.04 |
18.04 |
64.70 |
53.61 |
14.60 |
25.03 |
-6.14 |
19.91 |
32. |
Capital adequacy ratio |
121.73 |
110.11 |
97.06 |
52.81 |
34.40 |
27.80 |
10.99 |
23.09 |
33. |
Capital adequacy ratio - Tier I |
114.22 |
109.03 |
94.73 |
51.70 |
34.16 |
27.55 |
10.94 |
22.47 |
34. |
Capital adequacy ratio - Tier II |
7.51 |
1.08 |
2.33 |
1.11 |
0.24 |
0.25 |
0.05 |
0.62 |
35. |
Ratio of net NPA to net advances |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
|
|
|
|
|
|
|
|
|
Source : Annual accounts of banks of respective years. |
|
|
|
|
|
|
|
|
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
FOREIGN BANKS |
(In per cent) |
|
As on March 31 |
|
Shinhan |
Societe |
Sonali |
Standard |
Ratios |
Bank |
Generale |
Bank |
Chartered Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
1. |
Cash-Deposit ratio |
6.99 |
12.07 |
4.28 |
8.56 |
12.24 |
10.24 |
5.86 |
12.53 |
2. |
Credit-Deposit ratio |
65.60 |
93.44 |
34.13 |
28.22 |
11.86 |
32.58 |
88.09 |
90.25 |
3. |
Investment-Deposit ratio |
39.60 |
35.01 |
129.17 |
184.65 |
19.14 |
22.79 |
34.83 |
34.60 |
4. |
(Credit+Investment)-Deposit ratio |
105.21 |
128.45 |
163.29 |
212.87 |
31.01 |
55.38 |
122.92 |
124.85 |
5. |
Ratio of deposits to total liabilities |
41.87 |
47.47 |
39.38 |
43.32 |
70.32 |
64.98 |
58.03 |
50.32 |
6. |
Ratio of term deposits to total deposits |
58.15 |
58.27 |
96.10 |
91.53 |
17.05 |
18.58 |
57.32 |
52.54 |
7. |
Ratio of priority sector advances to total advances |
23.40 |
35.99 |
16.53 |
37.35 |
27.21 |
65.11 |
28.02 |
28.41 |
8. |
Ratio of term loan to total advances |
42.00 |
52.91 |
43.11 |
53.63 |
0.00 |
0.00 |
40.65 |
39.00 |
9. |
Ratio of secured advances to total advances |
73.28 |
52.63 |
71.91 |
82.77 |
74.44 |
35.87 |
60.85 |
55.34 |
10. |
Ratio of investments in non-approved securities |
16.53 |
0.00 |
66.92 |
40.05 |
20.07 |
20.21 |
18.76 |
9.47 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
5.66 |
8.04 |
7.23 |
7.36 |
3.93 |
3.60 |
7.72 |
7.37 |
12. |
Ratio of net interest margin to total assets |
4.28 |
5.59 |
2.23 |
1.85 |
1.89 |
1.99 |
4.57 |
4.15 |
13. |
Ratio of non-interest income to total assets |
0.64 |
0.93 |
1.69 |
1.41 |
10.10 |
9.80 |
2.57 |
3.40 |
14. |
Ratio of intermediation cost to total assets |
1.98 |
2.21 |
2.08 |
2.02 |
8.68 |
8.73 |
2.68 |
3.10 |
15. |
Ratio of wage bills to intermediation cost |
31.20 |
26.70 |
59.41 |
54.67 |
58.63 |
56.95 |
42.06 |
38.70 |
16. |
Ratio of wage bills to total expense |
18.42 |
12.67 |
17.44 |
14.69 |
47.48 |
48.11 |
19.32 |
18.98 |
17. |
Ratio of wage bills to total income |
9.82 |
6.59 |
13.83 |
12.62 |
36.28 |
37.13 |
10.95 |
11.13 |
18. |
Ratio of burden to total assets |
1.34 |
1.29 |
0.38 |
0.61 |
-1.42 |
-1.07 |
0.11 |
-0.30 |
19. |
Ratio of burden to interest income |
23.70 |
16.02 |
5.31 |
8.33 |
-36.07 |
-29.62 |
1.39 |
-4.12 |
20. |
Ratio of operating profits to total assets |
2.94 |
4.30 |
1.85 |
1.24 |
3.31 |
3.06 |
4.46 |
4.46 |
21. |
Return on assets |
1.60 |
1.86 |
0.96 |
1.33 |
1.52 |
1.60 |
3.06 |
3.13 |
22. |
Return on equity |
3.53 |
5.88 |
6.44 |
11.19 |
12.40 |
11.29 |
26.33 |
24.08 |
23. |
Cost of deposits |
1.98 |
5.13 |
5.05 |
6.67 |
1.72 |
1.41 |
3.58 |
4.63 |
24. |
Cost of borrowings |
0.97 |
0.86 |
7.00 |
6.09 |
0.00 |
0.00 |
6.76 |
6.47 |
25. |
Cost of funds |
1.70 |
4.15 |
5.97 |
6.36 |
1.72 |
1.41 |
4.17 |
4.92 |
26. |
Return on advances |
7.11 |
7.34 |
8.72 |
10.19 |
11.35 |
9.66 |
9.58 |
10.90 |
27. |
Return on investments |
6.36 |
7.40 |
9.13 |
6.21 |
7.15 |
9.91 |
11.09 |
10.01 |
28. |
Return on advances adjusted to cost of funds |
5.42 |
3.19 |
2.75 |
3.83 |
9.63 |
8.25 |
5.41 |
5.98 |
29. |
Return on investments adjusted to cost of funds |
4.66 |
3.25 |
3.16 |
-0.15 |
5.43 |
8.49 |
6.92 |
5.09 |
30. |
Business per employee (in Rs.lakh) |
1433.00 |
1709.81 |
1316.00 |
1459.10 |
71.45 |
74.02 |
924.20 |
826.66 |
31. |
Profit per employee (in Rs.lakh) |
25.00 |
34.59 |
19.20 |
33.90 |
1.38 |
1.38 |
19.62 |
20.22 |
32. |
Capital adequacy ratio |
89.26 |
48.66 |
31.82 |
26.62 |
71.42 |
41.25 |
10.44 |
10.59 |
33. |
Capital adequacy ratio - Tier I |
88.97 |
48.10 |
31.66 |
26.49 |
71.21 |
40.94 |
8.93 |
8.21 |
34. |
Capital adequacy ratio - Tier II |
0.29 |
0.56 |
0.16 |
0.13 |
0.21 |
0.31 |
1.51 |
2.38 |
35. |
Ratio of net NPA to net advances |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1.43 |
1.04 |
|
|
|
|
|
|
|
|
|
|
Source : Annual accounts of banks of respective years. |
|
|
|
|
|
|
|
|
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
FOREIGN BANKS |
(In per cent) |
|
As on March 31 |
|
Shinhan |
Societe |
Sonali |
Standard |
Ratios |
Bank |
Generale |
Bank |
Chartered Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
1. |
Cash-Deposit ratio |
6.99 |
12.07 |
4.28 |
8.56 |
12.24 |
10.24 |
5.86 |
12.53 |
2. |
Credit-Deposit ratio |
65.60 |
93.44 |
34.13 |
28.22 |
11.86 |
32.58 |
88.09 |
90.25 |
3. |
Investment-Deposit ratio |
39.60 |
35.01 |
129.17 |
184.65 |
19.14 |
22.79 |
34.83 |
34.60 |
4. |
(Credit+Investment)-Deposit ratio |
105.21 |
128.45 |
163.29 |
212.87 |
31.01 |
55.38 |
122.92 |
124.85 |
5. |
Ratio of deposits to total liabilities |
41.87 |
47.47 |
39.38 |
43.32 |
70.32 |
64.98 |
58.03 |
50.32 |
6. |
Ratio of term deposits to total deposits |
58.15 |
58.27 |
96.10 |
91.53 |
17.05 |
18.58 |
57.32 |
52.54 |
7. |
Ratio of priority sector advances to total advances |
23.40 |
35.99 |
16.53 |
37.35 |
27.21 |
65.11 |
28.02 |
28.41 |
8. |
Ratio of term loan to total advances |
42.00 |
52.91 |
43.11 |
53.63 |
0.00 |
0.00 |
40.65 |
39.00 |
9. |
Ratio of secured advances to total advances |
73.28 |
52.63 |
71.91 |
82.77 |
74.44 |
35.87 |
60.85 |
55.34 |
10. |
Ratio of investments in non-approved securities |
16.53 |
0.00 |
66.92 |
40.05 |
20.07 |
20.21 |
18.76 |
9.47 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
5.66 |
8.04 |
7.23 |
7.36 |
3.93 |
3.60 |
7.72 |
7.37 |
12. |
Ratio of net interest margin to total assets |
4.28 |
5.59 |
2.23 |
1.85 |
1.89 |
1.99 |
4.57 |
4.15 |
13. |
Ratio of non-interest income to total assets |
0.64 |
0.93 |
1.69 |
1.41 |
10.10 |
9.80 |
2.57 |
3.40 |
14. |
Ratio of intermediation cost to total assets |
1.98 |
2.21 |
2.08 |
2.02 |
8.68 |
8.73 |
2.68 |
3.10 |
15. |
Ratio of wage bills to intermediation cost |
31.20 |
26.70 |
59.41 |
54.67 |
58.63 |
56.95 |
42.06 |
38.70 |
16. |
Ratio of wage bills to total expense |
18.42 |
12.67 |
17.44 |
14.69 |
47.48 |
48.11 |
19.32 |
18.98 |
17. |
Ratio of wage bills to total income |
9.82 |
6.59 |
13.83 |
12.62 |
36.28 |
37.13 |
10.95 |
11.13 |
18. |
Ratio of burden to total assets |
1.34 |
1.29 |
0.38 |
0.61 |
-1.42 |
-1.07 |
0.11 |
-0.30 |
19. |
Ratio of burden to interest income |
23.70 |
16.02 |
5.31 |
8.33 |
-36.07 |
-29.62 |
1.39 |
-4.12 |
20. |
Ratio of operating profits to total assets |
2.94 |
4.30 |
1.85 |
1.24 |
3.31 |
3.06 |
4.46 |
4.46 |
21. |
Return on assets |
1.60 |
1.86 |
0.96 |
1.33 |
1.52 |
1.60 |
3.06 |
3.13 |
22. |
Return on equity |
3.53 |
5.88 |
6.44 |
11.19 |
12.40 |
11.29 |
26.33 |
24.08 |
23. |
Cost of deposits |
1.98 |
5.13 |
5.05 |
6.67 |
1.72 |
1.41 |
3.58 |
4.63 |
24. |
Cost of borrowings |
0.97 |
0.86 |
7.00 |
6.09 |
0.00 |
0.00 |
6.76 |
6.47 |
25. |
Cost of funds |
1.70 |
4.15 |
5.97 |
6.36 |
1.72 |
1.41 |
4.17 |
4.92 |
26. |
Return on advances |
7.11 |
7.34 |
8.72 |
10.19 |
11.35 |
9.66 |
9.58 |
10.90 |
27. |
Return on investments |
6.36 |
7.40 |
9.13 |
6.21 |
7.15 |
9.91 |
11.09 |
10.01 |
28. |
Return on advances adjusted to cost of funds |
5.42 |
3.19 |
2.75 |
3.83 |
9.63 |
8.25 |
5.41 |
5.98 |
29. |
Return on investments adjusted to cost of funds |
4.66 |
3.25 |
3.16 |
-0.15 |
5.43 |
8.49 |
6.92 |
5.09 |
30. |
Business per employee (in Rs.lakh) |
1433.00 |
1709.81 |
1316.00 |
1459.10 |
71.45 |
74.02 |
924.20 |
826.66 |
31. |
Profit per employee (in Rs.lakh) |
25.00 |
34.59 |
19.20 |
33.90 |
1.38 |
1.38 |
19.62 |
20.22 |
32. |
Capital adequacy ratio |
89.26 |
48.66 |
31.82 |
26.62 |
71.42 |
41.25 |
10.44 |
10.59 |
33. |
Capital adequacy ratio - Tier I |
88.97 |
48.10 |
31.66 |
26.49 |
71.21 |
40.94 |
8.93 |
8.21 |
34. |
Capital adequacy ratio - Tier II |
0.29 |
0.56 |
0.16 |
0.13 |
0.21 |
0.31 |
1.51 |
2.38 |
35. |
Ratio of net NPA to net advances |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
1.43 |
1.04 |
|
|
|
|
|
|
|
|
|
|
Source : Annual accounts of banks of respective years. |
|
|
|
|
|
|
|
|