TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
OTHER SCHEDULED COMMERCIAL BANKS |
(In per cent) |
|
As on March 31 |
|
Axis |
Bank of |
Catholic |
Centurion Bank |
Ratios |
Bank |
Rajasthan |
Syrian Bank |
of Punjab |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. |
Cash-Deposit ratio |
7.93 |
8.34 |
5.55 |
8.74 |
9.92 |
9.53 |
7.26 |
7.74 |
2. |
Credit-Deposit ratio |
62.73 |
68.09 |
52.74 |
53.68 |
63.44 |
62.31 |
75.49 |
74.20 |
3. |
Investment-Deposit ratio |
45.75 |
38.46 |
33.66 |
34.15 |
32.71 |
34.22 |
31.05 |
31.85 |
4. |
(Credit+Investment)-Deposit ratio |
108.49 |
106.55 |
86.40 |
87.82 |
96.15 |
96.53 |
106.54 |
106.04 |
5. |
Ratio of deposits to total liabilities |
80.25 |
79.97 |
89.41 |
87.64 |
89.59 |
89.22 |
80.42 |
81.04 |
6. |
Ratio of term deposits to total deposits |
60.14 |
54.32 |
68.16 |
70.42 |
71.17 |
72.17 |
69.38 |
75.09 |
7. |
Ratio of priority sector advances to total advances |
35.79 |
27.78 |
26.67 |
28.35 |
34.00 |
39.30 |
31.23 |
30.67 |
8. |
Ratio of term loan to total advances |
69.74 |
69.05 |
63.46 |
62.45 |
53.85 |
50.58 |
73.66 |
63.78 |
9. |
Ratio of secured advances to total advances |
86.64 |
83.84 |
84.13 |
85.29 |
97.32 |
94.04 |
81.29 |
84.76 |
10. |
Ratio of investments in non-approved securities |
39.26 |
40.42 |
29.31 |
28.96 |
18.49 |
24.33 |
14.20 |
16.58 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.26 |
7.66 |
6.91 |
7.52 |
8.12 |
8.55 |
8.27 |
9.63 |
12. |
Ratio of net interest margin to total assets |
2.39 |
2.83 |
2.90 |
2.25 |
3.13 |
2.91 |
3.59 |
3.06 |
13. |
Ratio of non-interest income to total assets |
1.64 |
1.96 |
1.13 |
0.91 |
0.85 |
1.07 |
2.96 |
2.81 |
14. |
Ratio of intermediation cost to total assets |
1.98 |
2.36 |
2.28 |
1.93 |
2.73 |
2.68 |
4.74 |
4.30 |
15. |
Ratio of wage bills to intermediation cost |
31.40 |
31.10 |
64.32 |
64.91 |
67.32 |
65.11 |
31.36 |
32.64 |
16. |
Ratio of wage bills to total expense |
9.06 |
10.19 |
23.37 |
17.40 |
23.78 |
21.01 |
15.75 |
12.91 |
17. |
Ratio of wage bills to total income |
6.97 |
7.62 |
18.29 |
14.87 |
20.48 |
18.16 |
13.22 |
11.30 |
18. |
Ratio of burden to total assets |
0.33 |
0.39 |
1.15 |
1.02 |
1.88 |
1.61 |
1.78 |
1.50 |
19. |
Ratio of burden to interest income |
4.58 |
5.13 |
16.72 |
13.58 |
23.18 |
18.83 |
21.51 |
15.54 |
20. |
Ratio of operating profits to total assets |
2.06 |
2.43 |
1.75 |
1.23 |
1.24 |
1.31 |
1.81 |
1.56 |
21. |
Return on assets |
1.10 |
1.24 |
1.16 |
0.91 |
0.37 |
0.64 |
0.84 |
0.51 |
22. |
Return on equity |
20.96 |
17.60 |
27.29 |
16.62 |
8.57 |
13.68 |
10.43 |
6.81 |
23. |
Cost of deposits |
5.02 |
5.11 |
4.27 |
5.74 |
5.32 |
6.11 |
5.39 |
7.51 |
24. |
Cost of borrowings |
4.29 |
3.26 |
2.40 |
3.16 |
34.15 |
7.76 |
6.52 |
7.67 |
25. |
Cost of funds |
4.96 |
4.98 |
4.26 |
5.73 |
5.33 |
6.11 |
5.43 |
7.51 |
26. |
Return on advances |
9.13 |
9.83 |
9.09 |
9.61 |
10.20 |
11.23 |
11.08 |
12.80 |
27. |
Return on investments |
6.74 |
6.94 |
7.03 |
6.78 |
6.28 |
6.58 |
5.53 |
6.51 |
28. |
Return on advances adjusted to cost of funds |
4.17 |
4.85 |
4.83 |
3.88 |
4.87 |
5.11 |
5.65 |
5.28 |
29. |
Return on investments adjusted to cost of funds |
1.78 |
1.95 |
2.77 |
1.05 |
0.95 |
0.47 |
0.10 |
-1.00 |
30. |
Business per employee (in Rs.lakh) |
1024.00 |
1117.00 |
400.54 |
518.85 |
278.00 |
317.00 |
420.00 |
444.00 |
31. |
Profit per employee (in Rs.lakh) |
7.59 |
8.39 |
2.83 |
2.93 |
0.68 |
1.34 |
2.08 |
1.45 |
32. |
Capital adequacy ratio |
11.57 |
13.73 |
11.32 |
11.87 |
9.58 |
10.87 |
11.05 |
10.66 |
33. |
Capital adequacy ratio - Tier I |
6.42 |
10.17 |
6.62 |
6.10 |
5.70 |
7.01 |
9.91 |
9.33 |
34. |
Capital adequacy ratio - Tier II |
5.15 |
3.56 |
4.70 |
5.77 |
3.88 |
3.86 |
1.14 |
1.33 |
35. |
Ratio of net NPA to net advances |
0.72 |
0.42 |
0.24 |
0.42 |
1.98 |
1.61 |
1.26 |
1.65 |
Source : Annual accounts of banks of respective years. |
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
OTHER SCHEDULED COMMERCIAL BANKS |
(In per cent) |
|
As on March 31 |
|
City Union |
Development |
Dhanalakshmi |
Federal |
Ratios |
Bank |
Credit Bank |
Bank |
Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. |
Cash-Deposit ratio |
6.74 |
10.83 |
7.46 |
11.09 |
8.12 |
9.81 |
5.71 |
9.09 |
2. |
Credit-Deposit ratio |
70.84 |
70.62 |
60.21 |
66.98 |
59.49 |
58.25 |
69.03 |
72.95 |
3. |
Investment-Deposit ratio |
27.81 |
26.74 |
41.82 |
35.14 |
28.02 |
29.79 |
32.58 |
38.69 |
4. |
(Credit+Investment)-Deposit ratio |
98.66 |
97.35 |
102.03 |
102.12 |
87.51 |
88.05 |
101.61 |
111.65 |
5. |
Ratio of deposits to total liabilities |
87.62 |
87.43 |
83.91 |
80.17 |
89.56 |
89.47 |
86.03 |
79.72 |
6. |
Ratio of term deposits to total deposits |
75.69 |
79.08 |
71.65 |
75.73 |
71.63 |
70.77 |
74.77 |
74.91 |
7. |
Ratio of priority sector advances to total advances |
40.14 |
34.12 |
34.02 |
35.34 |
38.53 |
43.23 |
37.26 |
36.51 |
8. |
Ratio of term loan to total advances |
34.63 |
35.92 |
71.51 |
69.84 |
44.70 |
43.33 |
47.05 |
47.47 |
9. |
Ratio of secured advances to total advances |
97.53 |
97.13 |
61.30 |
71.09 |
93.04 |
91.03 |
92.09 |
88.95 |
10. |
Ratio of investments in non-approved securities |
12.03 |
12.84 |
24.53 |
19.68 |
14.26 |
14.07 |
14.00 |
22.12 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
8.43 |
9.46 |
7.71 |
8.94 |
7.89 |
8.51 |
7.88 |
8.73 |
12. |
Ratio of net interest margin to total assets |
3.53 |
3.22 |
2.66 |
2.90 |
3.14 |
2.80 |
3.13 |
3.01 |
13. |
Ratio of non-interest income to total assets |
1.14 |
1.34 |
2.05 |
2.53 |
0.88 |
0.97 |
1.32 |
1.37 |
14. |
Ratio of intermediation cost to total assets |
1.90 |
1.71 |
3.80 |
3.72 |
2.79 |
2.58 |
1.78 |
1.63 |
15. |
Ratio of wage bills to intermediation cost |
49.25 |
44.04 |
40.02 |
40.63 |
49.81 |
49.08 |
64.14 |
57.85 |
16. |
Ratio of wage bills to total expense |
13.75 |
9.49 |
17.18 |
15.49 |
18.40 |
15.28 |
17.47 |
12.82 |
17. |
Ratio of wage bills to total income |
9.77 |
6.98 |
15.58 |
13.19 |
15.83 |
13.36 |
12.38 |
9.32 |
18. |
Ratio of burden to total assets |
0.76 |
0.37 |
1.75 |
1.19 |
1.91 |
1.61 |
0.45 |
0.26 |
19. |
Ratio of burden to interest income |
9.00 |
3.94 |
22.65 |
13.33 |
24.18 |
18.94 |
5.75 |
2.94 |
20. |
Ratio of operating profits to total assets |
2.77 |
2.85 |
0.91 |
1.71 |
1.23 |
1.19 |
2.68 |
2.76 |
21. |
Return on assets |
1.57 |
1.60 |
0.71 |
0.60 |
0.47 |
0.76 |
1.38 |
1.34 |
22. |
Return on equity |
22.03 |
21.82 |
2.95 |
7.86 |
11.46 |
17.81 |
21.27 |
13.56 |
23. |
Cost of deposits |
5.55 |
7.00 |
5.48 |
6.85 |
5.05 |
6.12 |
5.22 |
6.42 |
24. |
Cost of borrowings |
2.62 |
23.31 |
13.21 |
7.88 |
60.79 |
42.79 |
2.07 |
3.17 |
25. |
Cost of funds |
5.51 |
7.04 |
5.76 |
6.90 |
5.10 |
6.17 |
5.11 |
6.32 |
26. |
Return on advances |
10.49 |
12.19 |
9.96 |
12.76 |
10.32 |
11.15 |
9.62 |
10.81 |
27. |
Return on investments |
7.26 |
7.60 |
6.04 |
6.30 |
7.08 |
7.41 |
7.01 |
7.29 |
28. |
Return on advances adjusted to cost of funds |
4.98 |
5.15 |
4.20 |
5.86 |
5.22 |
4.98 |
4.51 |
4.49 |
29. |
Return on investments adjusted to cost of funds |
1.75 |
0.56 |
0.28 |
-0.60 |
1.98 |
1.24 |
1.90 |
0.97 |
30. |
Business per employee (in Rs.lakh) |
350.12 |
420.57 |
391.00 |
454.00 |
366.68 |
409.08 |
544.00 |
640.00 |
31. |
Profit per employee (in Rs.lakh) |
3.84 |
4.69 |
0.40 |
2.00 |
1.18 |
2.02 |
4.43 |
5.30 |
32. |
Capital adequacy ratio |
12.58 |
12.48 |
11.34 |
13.38 |
9.77 |
9.21 |
13.43 |
22.46 |
33. |
Capital adequacy ratio - Tier I |
10.87 |
11.15 |
8.44 |
11.82 |
6.29 |
6.56 |
8.94 |
19.09 |
34. |
Capital adequacy ratio - Tier II |
1.71 |
1.33 |
2.90 |
1.56 |
3.48 |
2.65 |
4.49 |
3.37 |
35. |
Ratio of net NPA to net advances |
1.09 |
0.98 |
1.64 |
0.66 |
1.75 |
0.88 |
0.44 |
0.23 |
Source : Annual accounts of banks of respective years. |
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
OTHER SCHEDULED COMMERCIAL BANKS |
(In per cent) |
|
As on March 31 |
|
HDFC |
ICICI |
IndusInd |
ING Vysya |
Ratios |
Bank |
Bank |
Bank |
Bank |
|
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
1. |
Cash-Deposit ratio |
7.43 |
12.46 |
8.12 |
12.02 |
5.79 |
8.02 |
6.13 |
11.04 |
2. |
Credit-Deposit ratio |
68.74 |
62.94 |
84.97 |
92.30 |
62.82 |
67.21 |
77.67 |
71.47 |
3. |
Investment-Deposit ratio |
44.75 |
49.02 |
39.59 |
45.60 |
33.39 |
34.82 |
29.37 |
30.70 |
4. |
(Credit+Investment)-Deposit ratio |
113.49 |
111.96 |
124.56 |
137.90 |
96.21 |
102.04 |
107.04 |
102.17 |
5. |
Ratio of deposits to total liabilities |
74.86 |
75.67 |
66.88 |
61.14 |
84.32 |
81.84 |
79.95 |
80.26 |
6. |
Ratio of term deposits to total deposits |
42.32 |
45.51 |
78.22 |
73.91 |
85.08 |
84.30 |
71.09 |
68.52 |
7. |
Ratio of priority sector advances to total advances |
37.67 |
27.47 |
28.22 |
26.48 |
31.78 |
39.12 |
35.07 |
34.74 |
8. |
Ratio of term loan to total advances |
76.25 |
73.08 |
77.22 |
77.82 |
69.72 |
67.52 |
52.16 |
54.15 |
9. |
Ratio of secured advances to total advances |
71.08 |
70.03 |
79.77 |
76.91 |
91.66 |
92.70 |
85.99 |
79.76 |
10. |
Ratio of investments in non-approved securities |
26.24 |
35.89 |
26.18 |
32.36 |
17.60 |
17.95 |
10.66 |
22.42 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
8.07 |
9.01 |
7.38 |
8.27 |
7.78 |
8.69 |
7.03 |
7.50 |
12. |
Ratio of net interest margin to total assets |
4.21 |
4.66 |
1.89 |
1.96 |
1.41 |
1.54 |
2.47 |
2.22 |
13. |
Ratio of non-interest income to total assets |
1.84 |
2.03 |
2.32 |
2.37 |
1.27 |
1.17 |
1.59 |
1.87 |
14. |
Ratio of intermediation cost to total assets |
2.94 |
3.34 |
2.25 |
2.19 |
1.78 |
1.82 |
2.80 |
2.72 |
15. |
Ratio of wage bills to intermediation cost |
32.09 |
34.74 |
24.16 |
25.49 |
27.99 |
30.31 |
45.00 |
49.61 |
16. |
Ratio of wage bills to total expense |
13.87 |
15.07 |
7.01 |
6.57 |
6.12 |
6.15 |
17.12 |
16.88 |
17. |
Ratio of wage bills to total income |
9.52 |
10.50 |
5.59 |
5.25 |
5.52 |
5.60 |
14.63 |
14.41 |
18. |
Ratio of burden to total assets |
1.10 |
1.30 |
-0.08 |
-0.18 |
0.52 |
0.65 |
1.22 |
0.85 |
19. |
Ratio of burden to interest income |
13.61 |
14.46 |
-1.08 |
-2.13 |
6.65 |
7.51 |
17.30 |
11.36 |
20. |
Ratio of operating profits to total assets |
3.11 |
3.36 |
1.97 |
2.14 |
0.89 |
0.89 |
1.26 |
1.37 |
21. |
Return on assets |
1.33 |
1.32 |
1.09 |
1.12 |
0.34 |
0.34 |
0.52 |
0.74 |
22. |
Return on equity |
19.46 |
17.74 |
13.17 |
11.63 |
7.10 |
6.24 |
8.38 |
11.89 |
23. |
Cost of deposits |
4.34 |
5.18 |
5.89 |
7.21 |
6.49 |
7.64 |
4.96 |
5.83 |
24. |
Cost of borrowings |
9.66 |
6.65 |
2.90 |
3.13 |
14.88 |
6.62 |
2.76 |
3.20 |
25. |
Cost of funds |
4.58 |
5.25 |
5.34 |
6.40 |
6.77 |
7.59 |
4.82 |
5.68 |
26. |
Return on advances |
10.57 |
12.62 |
9.41 |
10.72 |
10.24 |
11.94 |
8.64 |
9.74 |
27. |
Return on investments |
6.98 |
7.18 |
6.13 |
7.37 |
6.94 |
7.08 |
6.26 |
6.47 |
28. |
Return on advances adjusted to cost of funds |
5.99 |
7.38 |
4.08 |
4.33 |
3.47 |
4.34 |
3.83 |
4.06 |
29. |
Return on investments adjusted to cost of funds |
2.40 |
1.94 |
0.79 |
0.97 |
0.16 |
-0.52 |
1.44 |
0.79 |
30. |
Business per employee (in Rs.lakh) |
607.00 |
506.00 |
1027.00 |
1008.00 |
1039.77 |
1062.67 |
486.09 |
547.28 |
31. |
Profit per employee (in Rs.lakh) |
6.13 |
4.97 |
9.00 |
10.00 |
2.61 |
2.62 |
1.66 |
2.68 |
32. |
Capital adequacy ratio |
13.08 |
13.60 |
11.69 |
14.92 |
12.54 |
11.91 |
10.56 |
10.20 |
33. |
Capital adequacy ratio - Tier I |
8.57 |
10.30 |
7.42 |
11.32 |
7.34 |
6.70 |
6.38 |
6.82 |
34. |
Capital adequacy ratio - Tier II |
4.51 |
3.30 |
4.27 |
3.60 |
5.20 |
5.21 |
4.18 |
3.38 |
35. |
Ratio of net NPA to net advances |
0.43 |
0.47 |
1.02 |
1.55 |
2.47 |
2.27 |
0.70 |
0.79 |
Source : Annual accounts of banks of respective years. |
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008(Contd.) |
OTHER SCHEDULED COMMERCIAL BANKS |
(In per cent) |
|
As on March 31 |
|
Jammu & |
Karnataka |
Karur Vysya |
Kotak |
Ratios |
Kashmir Bank |
Bank |
Bank |
Mahindra Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
1. |
Cash-Deposit ratio |
7.36 |
11.26 |
5.89 |
8.71 |
6.37 |
8.76 |
6.83 |
10.41 |
2. |
Credit-Deposit ratio |
67.79 |
66.04 |
68.05 |
63.72 |
75.38 |
75.07 |
99.31 |
94.69 |
3. |
Investment-Deposit ratio |
29.34 |
30.63 |
35.96 |
35.05 |
30.77 |
28.10 |
62.38 |
55.66 |
4. |
(Credit+Investment)-Deposit ratio |
97.13 |
96.67 |
104.01 |
98.76 |
106.15 |
103.17 |
161.69 |
150.36 |
5. |
Ratio of deposits to total liabilities |
87.95 |
87.29 |
86.53 |
87.99 |
84.31 |
86.06 |
55.23 |
58.01 |
6. |
Ratio of term deposits to total deposits |
62.98 |
60.84 |
76.63 |
77.86 |
72.29 |
74.41 |
72.76 |
71.57 |
7. |
Ratio of priority sector advances to total advances |
19.24 |
25.81 |
32.02 |
36.59 |
37.94 |
33.71 |
36.29 |
37.96 |
8. |
Ratio of term loan to total advances |
61.30 |
61.55 |
43.57 |
42.23 |
41.01 |
41.01 |
89.96 |
88.13 |
9. |
Ratio of secured advances to total advances |
86.01 |
86.61 |
92.57 |
91.38 |
90.96 |
86.36 |
71.51 |
73.63 |
10. |
Ratio of investments in non-approved securities |
24.64 |
20.37 |
20.98 |
23.66 |
15.44 |
13.32 |
14.55 |
11.32 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
6.89 |
7.93 |
8.06 |
8.83 |
8.64 |
8.84 |
8.77 |
10.51 |
12. |
Ratio of net interest margin to total assets |
2.79 |
2.64 |
2.69 |
2.64 |
3.46 |
2.87 |
4.12 |
5.08 |
13. |
Ratio of non-interest income to total assets |
0.58 |
0.80 |
1.12 |
1.28 |
1.19 |
1.21 |
2.12 |
1.92 |
14. |
Ratio of intermediation cost to total assets |
1.35 |
1.31 |
1.52 |
1.72 |
1.92 |
1.69 |
4.07 |
4.23 |
15. |
Ratio of wage bills to intermediation cost |
59.09 |
55.94 |
54.34 |
59.23 |
48.16 |
47.07 |
47.82 |
50.94 |
16. |
Ratio of wage bills to total expense |
14.63 |
11.14 |
12.02 |
12.86 |
13.01 |
10.37 |
22.33 |
22.29 |
17. |
Ratio of wage bills to total income |
10.69 |
8.43 |
9.02 |
10.07 |
9.40 |
7.89 |
17.89 |
17.31 |
18. |
Ratio of burden to total assets |
0.77 |
0.52 |
0.41 |
0.44 |
0.73 |
0.47 |
1.95 |
2.31 |
19. |
Ratio of burden to interest income |
11.17 |
6.52 |
5.04 |
5.00 |
8.45 |
5.37 |
22.29 |
21.93 |
20. |
Ratio of operating profits to total assets |
2.02 |
2.12 |
2.29 |
2.20 |
2.73 |
2.40 |
2.17 |
2.78 |
21. |
Return on assets |
0.96 |
1.09 |
1.15 |
1.37 |
1.53 |
1.63 |
0.94 |
1.10 |
22. |
Return on equity |
14.42 |
16.79 |
15.07 |
18.47 |
16.54 |
18.49 |
11.19 |
11.19 |
23. |
Cost of deposits |
4.50 |
5.85 |
6.01 |
6.89 |
5.99 |
6.88 |
5.94 |
7.04 |
24. |
Cost of borrowings |
8.00 |
7.44 |
2.64 |
4.95 |
4.80 |
3.06 |
2.95 |
3.72 |
25. |
Cost of funds |
4.56 |
5.89 |
5.94 |
6.86 |
5.96 |
6.79 |
5.11 |
6.14 |
26. |
Return on advances |
8.58 |
10.44 |
9.38 |
11.01 |
9.86 |
10.43 |
11.62 |
13.61 |
27. |
Return on investments |
6.20 |
6.70 |
7.79 |
7.86 |
8.44 |
8.23 |
5.78 |
8.85 |
28. |
Return on advances adjusted to cost of funds |
4.01 |
4.55 |
3.45 |
4.15 |
3.90 |
3.64 |
6.51 |
7.48 |
29. |
Return on investments adjusted to cost of funds |
1.64 |
0.82 |
1.85 |
1.00 |
2.48 |
1.44 |
0.67 |
2.72 |
30. |
Business per employee (in Rs.lakh) |
585.00 |
596.00 |
524.00 |
589.00 |
489.00 |
604.00 |
383.91 |
383.84 |
31. |
Profit per employee (in Rs.lakh) |
4.00 |
5.00 |
4.00 |
5.00 |
4.87 |
5.82 |
3.13 |
3.81 |
32. |
Capital adequacy ratio |
13.24 |
12.80 |
11.03 |
12.17 |
14.51 |
12.58 |
13.46 |
18.65 |
33. |
Capital adequacy ratio - Tier I |
12.60 |
12.14 |
10.46 |
10.36 |
14.04 |
12.11 |
8.81 |
14.46 |
34. |
Capital adequacy ratio - Tier II |
0.64 |
0.66 |
0.57 |
1.81 |
0.47 |
0.47 |
4.65 |
4.19 |
35. |
Ratio of net NPA to net advances |
1.13 |
1.07 |
1.22 |
0.98 |
0.23 |
0.18 |
1.98 |
1.78 |
Source : Annual accounts of banks of respective years. |
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
OTHER SCHEDULED COMMERCIAL BANKS |
(In per cent) |
|
As on March 31 |
|
Lakshmi Vilas |
Lord Krishna |
Nainital |
Ratnakar |
Ratios |
Bank |
Bank # |
Bank |
Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
1. |
Cash-Deposit ratio |
5.70 |
6.86 |
6.13 |
|
5.45 |
7.14 |
13.90 |
11.76 |
2. |
Credit-Deposit ratio |
71.97 |
68.68 |
54.36 |
|
53.70 |
55.58 |
60.53 |
53.20 |
3. |
Investment-Deposit ratio |
26.08 |
30.14 |
38.66 |
|
26.20 |
27.01 |
36.04 |
32.82 |
4. |
(Credit+Investment)-Deposit ratio |
98.05 |
98.82 |
93.02 |
|
79.89 |
82.59 |
96.57 |
86.02 |
5. |
Ratio of deposits to total liabilities |
86.15 |
86.17 |
85.68 |
|
86.74 |
86.93 |
76.43 |
74.11 |
6. |
Ratio of term deposits to total deposits |
77.96 |
78.33 |
82.81 |
|
50.87 |
54.66 |
62.16 |
61.66 |
7. |
Ratio of priority sector advances to total advances |
38.06 |
39.28 |
37.04 |
|
50.33 |
54.31 |
34.20 |
41.03 |
8. |
Ratio of term loan to total advances |
39.35 |
33.89 |
47.91 |
|
43.82 |
44.02 |
44.10 |
47.50 |
9. |
Ratio of secured advances to total advances |
93.66 |
91.63 |
95.05 |
|
94.59 |
93.69 |
88.39 |
88.64 |
10. |
Ratio of investments in non-approved securities |
8.10 |
7.44 |
19.43 |
|
15.65 |
17.50 |
29.91 |
21.58 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.78 |
8.20 |
7.90 |
|
8.13 |
8.96 |
7.18 |
8.15 |
12. |
Ratio of net interest margin to total assets |
2.22 |
2.01 |
1.88 |
|
4.47 |
4.02 |
3.19 |
4.17 |
13. |
Ratio of non-interest income to total assets |
1.06 |
1.34 |
0.64 |
|
0.30 |
0.40 |
0.44 |
0.66 |
14. |
Ratio of intermediation cost to total assets |
1.90 |
1.89 |
2.39 |
|
2.24 |
1.71 |
3.03 |
2.26 |
15. |
Ratio of wage bills to intermediation cost |
54.98 |
54.14 |
45.28 |
|
69.29 |
63.37 |
68.67 |
57.56 |
16. |
Ratio of wage bills to total expense |
14.00 |
12.65 |
12.85 |
|
26.27 |
16.32 |
29.60 |
20.85 |
17. |
Ratio of wage bills to total income |
11.83 |
10.71 |
12.65 |
|
18.38 |
11.60 |
27.27 |
14.76 |
18. |
Ratio of burden to total assets |
0.85 |
0.55 |
1.75 |
|
1.94 |
1.31 |
2.59 |
1.60 |
19. |
Ratio of burden to interest income |
10.88 |
6.71 |
22.12 |
|
23.80 |
14.65 |
36.04 |
19.60 |
20. |
Ratio of operating profits to total assets |
1.37 |
1.46 |
0.13 |
|
2.53 |
2.71 |
0.60 |
2.57 |
21. |
Return on assets |
0.33 |
0.41 |
-0.59 |
|
1.26 |
1.67 |
0.31 |
1.31 |
22. |
Return on equity |
5.12 |
6.21 |
-7.29 |
|
14.95 |
20.07 |
2.38 |
6.51 |
23. |
Cost of deposits |
6.08 |
6.83 |
6.60 |
|
4.18 |
5.52 |
4.81 |
5.26 |
24. |
Cost of borrowings |
7.75 |
8.38 |
408.18 |
|
7.76 |
12.97 |
5.52 |
5.41 |
25. |
Cost of funds |
6.09 |
6.85 |
6.67 |
|
4.21 |
5.62 |
4.81 |
5.26 |
26. |
Return on advances |
9.51 |
10.14 |
10.18 |
|
10.25 |
11.61 |
10.64 |
10.76 |
27. |
Return on investments |
6.89 |
6.87 |
7.50 |
|
8.29 |
8.11 |
6.10 |
7.08 |
28. |
Return on advances adjusted to cost of funds |
3.41 |
3.30 |
3.51 |
|
6.04 |
5.99 |
5.84 |
5.49 |
29. |
Return on investments adjusted to cost of funds |
0.79 |
0.02 |
0.82 |
|
4.08 |
2.49 |
1.29 |
1.81 |
30. |
Business per employee (in Rs.lakh) |
430.00 |
453.00 |
275.53 |
|
279.00 |
366.00 |
254.41 |
310.09 |
31. |
Profit per employee (in Rs.lakh) |
0.91 |
1.22 |
0.00 |
|
3.00 |
4.00 |
0.54 |
3.13 |
32. |
Capital adequacy ratio |
12.43 |
12.73 |
11.61 |
|
12.89 |
12.32 |
34.34 |
49.15 |
33. |
Capital adequacy ratio - Tier I |
9.93 |
10.53 |
9.13 |
|
10.10 |
11.00 |
33.39 |
48.29 |
34. |
Capital adequacy ratio - Tier II |
2.50 |
2.20 |
2.48 |
|
2.79 |
1.32 |
0.95 |
0.86 |
35. |
Ratio of net NPA to net advances |
1.58 |
1.55 |
4.37 |
|
0.00 |
0.00 |
1.92 |
0.99 |
Note : # See ‘Explanatory Notes’.
Source : Annual accounts of banks of respective years. |
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.) |
OTHER SCHEDULED COMMERCIAL BANKS |
(In per cent) |
|
As on March 31 |
|
Sangli |
SBI Comm. & |
South Indian |
Tamilnad |
Ratios |
Bank # |
Intl. Bank |
Bank |
Mercantile Bank |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
1. |
Cash-Deposit ratio |
7.86 |
|
5.50 |
5.63 |
5.72 |
6.42 |
6.11 |
8.85 |
2. |
Credit-Deposit ratio |
15.47 |
|
67.36 |
68.67 |
64.70 |
68.97 |
67.22 |
69.51 |
3. |
Investment-Deposit ratio |
60.07 |
|
25.76 |
27.51 |
28.03 |
30.17 |
38.48 |
33.29 |
4. |
(Credit+Investment)-Deposit ratio |
75.54 |
|
93.12 |
96.18 |
92.73 |
99.14 |
105.70 |
102.80 |
5. |
Ratio of deposits to total liabilities |
75.51 |
|
73.07 |
78.41 |
89.65 |
88.68 |
84.94 |
86.52 |
6. |
Ratio of term deposits to total deposits |
52.19 |
|
85.33 |
87.66 |
76.06 |
75.93 |
72.09 |
75.09 |
7. |
Ratio of priority sector advances to total advances |
33.96 |
|
14.68 |
40.25 |
37.04 |
34.24 |
46.76 |
44.51 |
8. |
Ratio of term loan to total advances |
23.88 |
|
78.20 |
50.94 |
49.25 |
43.34 |
41.28 |
43.00 |
9. |
Ratio of secured advances to total advances |
82.07 |
|
98.07 |
78.55 |
90.53 |
85.94 |
92.73 |
94.93 |
10. |
Ratio of investments in non-approved securities |
17.62 |
|
9.15 |
7.45 |
13.39 |
20.86 |
34.25 |
23.86 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
5.70 |
|
5.67 |
6.55 |
7.98 |
8.52 |
9.67 |
9.71 |
12. |
Ratio of net interest margin to total assets |
2.06 |
|
1.88 |
1.17 |
3.00 |
2.56 |
4.49 |
3.45 |
13. |
Ratio of non-interest income to total assets |
0.35 |
|
0.65 |
2.07 |
0.84 |
0.81 |
1.26 |
1.47 |
14. |
Ratio of intermediation cost to total assets |
4.43 |
|
1.57 |
1.38 |
1.79 |
1.61 |
2.24 |
2.11 |
15. |
Ratio of wage bills to intermediation cost |
77.32 |
|
49.17 |
42.70 |
60.88 |
58.99 |
60.36 |
60.17 |
16. |
Ratio of wage bills to total expense |
42.47 |
|
14.38 |
8.73 |
16.09 |
12.58 |
18.17 |
15.19 |
17. |
Ratio of wage bills to total income |
56.64 |
|
12.21 |
6.85 |
12.34 |
10.21 |
12.35 |
11.37 |
18. |
Ratio of burden to total assets |
4.08 |
|
0.92 |
-0.69 |
0.95 |
0.80 |
0.98 |
0.64 |
19. |
Ratio of burden to interest income |
71.61 |
|
16.26 |
-10.50 |
11.85 |
9.43 |
10.12 |
6.58 |
20. |
Ratio of operating profits to total assets |
-2.02 |
|
0.95 |
1.86 |
2.06 |
1.76 |
3.51 |
2.81 |
21. |
Return on assets |
-20.35 |
|
1.13 |
1.93 |
0.88 |
1.01 |
1.57 |
1.58 |
22. |
Return on equity |
-294.95 |
|
7.71 |
11.89 |
15.26 |
16.09 |
14.94 |
15.67 |
23. |
Cost of deposits |
4.25 |
|
4.54 |
6.49 |
5.43 |
6.53 |
5.87 |
6.75 |
24. |
Cost of borrowings |
217.63 |
|
6.20 |
9.63 |
5.49 |
22.62 |
2.94 |
6.83 |
25. |
Cost of funds |
4.26 |
|
4.70 |
6.68 |
5.43 |
6.57 |
5.85 |
6.75 |
26. |
Return on advances |
6.33 |
|
6.92 |
8.16 |
9.72 |
10.46 |
10.79 |
10.79 |
27. |
Return on investments |
7.00 |
|
6.98 |
7.89 |
7.09 |
7.27 |
9.38 |
9.43 |
28. |
Return on advances adjusted to cost of funds |
2.07 |
|
2.21 |
1.48 |
4.29 |
3.89 |
4.94 |
4.04 |
29. |
Return on investments adjusted to cost of funds |
2.73 |
|
2.28 |
1.21 |
1.66 |
0.70 |
3.53 |
2.68 |
30. |
Business per employee (in Rs.lakh) |
101.08 |
|
648.34 |
754.67 |
508.00 |
600.43 |
451.23 |
541.99 |
31. |
Profit per employee (in Rs.lakh) |
-18.72 |
|
7.79 |
13.82 |
2.69 |
3.59 |
4.76 |
5.31 |
32. |
Capital adequacy ratio |
0.00 |
|
20.93 |
25.06 |
11.08 |
13.80 |
16.77 |
15.35 |
33. |
Capital adequacy ratio - Tier I |
0.00 |
|
20.32 |
24.27 |
8.84 |
12.08 |
16.12 |
14.70 |
34. |
Capital adequacy ratio - Tier II |
0.00 |
|
0.61 |
0.79 |
2.24 |
1.72 |
0.65 |
0.65 |
35. |
Ratio of net NPA to net advances |
7.18 |
|
0.00 |
0.00 |
0.98 |
0.33 |
0.98 |
0.38 |
|
|
|
|
|
|
|
|
|
|
Note : # See ‘Explanatory Notes’. |
|
|
|
|
|
|
|
|
Source : Annual accounts of banks of respective years. |
|
|
|
|
|
|
|
|
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Concld.)
OTHER SCHEDULED COMMERCIAL BANKS |
(In per cent) |
|
|
As on March 31 |
|
|
Yes |
Ratios |
|
Bank |
|
2007 |
2008 |
|
(49) |
(50) |
1. |
Cash-Deposit ratio |
4.74 |
7.23 |
2. |
Credit-Deposit ratio |
76.51 |
71.05 |
3. |
Investment-Deposit ratio |
37.38 |
38.38 |
4. |
(Credit+Investment)-Deposit ratio |
113.90 |
109.42 |
5. |
Ratio of deposits to total liabilities |
74.03 |
78.16 |
6. |
Ratio of term deposits to total deposits |
94.24 |
91.50 |
7. |
Ratio of priority sector advances to total advances |
36.14 |
25.58 |
8. |
Ratio of term loan to total advances |
75.77 |
72.75 |
9. |
Ratio of secured advances to total advances |
60.13 |
51.45 |
10. |
Ratio of investments in non-approved securities |
29.96 |
29.40 |
|
to total investments |
|
|
11. |
Ratio of interest income to total assets |
7.70 |
9.33 |
12. |
Ratio of net interest margin to total assets |
2.24 |
2.40 |
13. |
Ratio of non-interest income to total assets |
2.55 |
2.52 |
14. |
Ratio of intermediation cost to total assets |
2.54 |
2.43 |
15. |
Ratio of wage bills to intermediation cost |
60.71 |
59.33 |
16. |
Ratio of wage bills to total expense |
19.26 |
15.39 |
17. |
Ratio of wage bills to total income |
15.02 |
12.15 |
18. |
Ratio of burden to total assets |
-0.01 |
-0.10 |
19. |
Ratio of burden to interest income |
-0.18 |
-1.02 |
20. |
Ratio of operating profits to total assets |
2.26 |
2.49 |
21. |
Return on assets |
1.44 |
1.54 |
22. |
Return on equity |
13.88 |
19.00 |
23. |
Cost of deposits |
5.92 |
7.95 |
24. |
Cost of borrowings |
10.05 |
6.42 |
25. |
Cost of funds |
6.36 |
7.83 |
26. |
Return on advances |
9.72 |
11.84 |
27. |
Return on investments |
6.83 |
8.98 |
28. |
Return on advances adjusted to cost of funds |
3.36 |
4.01 |
29. |
Return on investments adjusted to cost of funds |
0.47 |
1.16 |
30. |
Business per employee (in Rs.lakh) |
530.50 |
683.12 |
31. |
Profit per employee (in Rs.lakh) |
3.86 |
6.35 |
32. |
Capital adequacy ratio |
13.60 |
13.60 |
33. |
Capital adequacy ratio - Tier I |
8.20 |
8.50 |
34. |
Capital adequacy ratio - Tier II |
5.40 |
5.10 |
35. |
Ratio of net NPA to net advances |
0.00 |
0.09 |
Source : Annual accounts of banks of respective years. |