Publications

(per cent)

As on March 31

Ratios

ABN Amro Bank

Abu-dhabi Commercial Bank

American Express Bank

Arab Bangladesh Bank

2001

2002

2001

2002

2001

2002

2001

2002

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1. Cash-deposit ratio

5.40

4.40

2.96

2.85

13.14

8.69

2.86

2.46

2. Credit-deposit ratio

91.89

92.22

15.70

17.99

96.03

148.62

27.24

55.04

3. Investment-deposit ratio

61.97

43.76

75.16

77.16

93.10

99.64

22.59

15.07

4. (Credit + investment)-deposit ratio

153.86

135.98

90.85

95.15

189.13

248.26

49.83

70.10

5. Ratio of deposits to total liabilities

54.67

65.33

89.83

90.41

37.63

29.79

45.80

46.17

6. Ratio of term deposits to total deposits

64.19

62.48

94.91

95.40

57.81

38.45

25.55

35.42

7. Ratio of priority sector advances to total advances

28.04

29.50

18.44

18.97

26.10

21.56

51.64

66.86

8. Ratio of term-loans to total advances

31.32

26.74

11.16

12.05

30.93

43.36

0.00

6.97

9. Ratio of secured advances to total advances

82.73

85.70

89.32

88.11

56.98

59.41

97.80

99.06

10. Ratio of investments in non-approved securities to total investments

35.14

24.14

66.00

65.23

39.89

27.54

14.70

3.26

11. Ratio of Interest income to total assets

10.74

9.53

9.65

9.89

9.60

8.44

7.97

6.65

12. Ratio of net interest margin to total assets

4.16

4.38

1.45

0.91

2.99

2.77

6.79

5.92

13. Ratio of non-interest income to total assets

2.27

2.47

1.20

0.46

6.61

6.35

2.94

2.99

14. Ratio of intermediation cost to total assets

2.72

3.40

0.65

0.48

7.53

5.38

2.46

2.02

15. Ratio of wage bills to intermediation cost

27.76

33.84

41.32

42.00

26.18

34.10

31.93

34.25

16. Ratio of wage bills to total expenses

8.12

13.45

3.05

2.14

13.94

16.60

21.55

25.12

17. Ratio of wage bills to total income

5.81

9.58

2.49

1.96

12.17

12.41

7.18

7.19

18. Ratio of burden to total assets

0.45

0.92

-0.55

0.03

0.93

-0.96

-0.49

-0.96

19. Ratio of burden to interest income

4.23

9.71

-5.66

0.27

9.64

-11.43

-6.12

-14.49

20. Ratio of operating profits to total assets

3.70

3.45

1.99

0.88

2.07

3.73

7.28

6.88

21. Return on assets

0.40

1.72

0.44

0.47

-0.62

0.27

3.68

3.03

22. Return on equity

18.04

18.35

19.81

15.61

-9.14

3.88

6.70

6.05

23. Cost of deposits

4.38

3.09

7.92

9.44

6.83

4.95

2.70

1.59

24. Cost of borrowings

8.38

10.73

8.22

21.26

5.74

7.31

1.20

0.20

25. Cost of funds

6.07

5.42

7.93

9.68

6.30

6.39

2.65

1.50

26. Return on advances

12.96

10.82

13.63

12.01

10.82

10.54

18.64

8.35

27. Return on investments

11.57

10.05

10.03

10.89

10.91

10.50

10.21

10.29

28. Return on advances adjusted to cost of funds

6.89

5.40

5.70

2.32

4.52

4.15

15.99

6.85

29. Return on investments adjusted to cost of funds

5.50

4.63

2.10

1.20

4.61

4.11

7.56

8.79

30. Business per employee (in Rs. lakh)

868.15

840.00

2454.49

2581.00

252.92

237.22

218.13

237.96

31. Profit per employee (in Rs. lakh)

3.80

13.00

10.36

11.00

2.11

0.86

14.92

10.91

32. Capital adequacy ratio

11.42

13.17

10.05

10.42

9.59

10.71

96.34

138.51

33. Capital adequacy ratio - Tier I

9.51

11.15

8.80

9.17

9.36

10.28

96.34

138.51

34. Capital adequacy ratio - Tier II

1.91

2.02

1.25

1.25

0.23

0.43

-

-

35. Ratio of net NPA to net advances

1.22

1.34

1.92

13.43

6.20

7.56

4.24

1.39

Source: Compiled from annual accounts of banks of respective years.

(per cent)

As on March 31

Ratios

Bank International Indonesia

Bank Muscat International

Bank of America

Bank of Bahrain & Kuwait

2001

2002

2001

2002

2001

2002

2001

2002

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1. Cash-deposit ratio

8.87

16.89

3.51

2.18

8.88

7.99

4.66

6.77

2. Credit-deposit ratio

81.44

160.41

61.70

71.91

151.33

153.90

79.63

64.83

3. Investment-deposit ratio

132.71

180.86

52.13

28.74

55.60

69.90

40.36

52.70

4. (Credit + investment)-deposit ratio

214.15

341.28

113.82

100.65

206.93

223.80

119.99

117.52

5. Ratio of deposits to total liabilities

15.53

6.28

68.81

74.49

41.96

36.90

63.67

64.83

6. Ratio of term deposits to total deposits

67.10

46.90

94.91

94.78

72.85

65.65

90.96

93.03

7. Ratio of priority sector advances to total advances

40.74

78.83

18.08

10.51

14.50

21.74

18.67

19.76

8. Ratio of term-loans to total advances

13.05

12.28

69.73

61.03

20.53

18.92

55.24

51.53

9. Ratio of secured advances to total advances

100.00

100.00

100.00

96.54

31.52

37.65

67.34

77.85

10. Ratio of investments in non-approved securities to total investments

13.52

25.62

6.19

12.99

-

20.68

15.60

30.60

11. Ratio of Interest income to total assets

4.54

4.14

11.19

11.33

10.18

8.58

10.36

9.00

12. Ratio of net interest margin to total assets

2.47

2.49

3.30

4.48

3.24

2.76

1.71

1.24

13. Ratio of non-interest income to total assets

1.58

1.47

1.82

1.70

1.67

2.24

1.66

3.09

14. Ratio of intermediation cost to total assets

10.12

3.75

3.76

4.20

1.58

1.65

1.82

1.47

15. Ratio of wage bills to intermediation cost

5.78

18.65

31.43

32.46

38.32

43.53

36.18

44.86

16. Ratio of wage bills to total expenses

4.80

12.95

10.13

12.33

7.12

9.63

6.28

7.14

17. Ratio of wage bills to total income

9.56

12.47

9.07

10.45

5.12

6.65

5.46

5.45

18. Ratio of burden to total assets

8.54

2.28

1.94

2.50

-0.08

-0.59

0.16

-1.62

19. Ratio of burden to interest income

187.98

55.12

17.31

22.03

-0.82

-6.85

1.50

-18.02

20. Ratio of operating profits to total assets

-6.07

0.21

1.36

1.99

3.32

3.34

1.56

2.87

21. Return on assets

-2.96

0.23

2.34

2.56

1.25

1.68

0.81

1.32

22. Return on equity

-3.95

0.26

4.73

1.44

10.66

14.23

9.66

12.13

23. Cost of deposits

9.53

10.28

4.57

4.42

9.94

7.83

10.11

7.74

24. Cost of borrowings

3.32

26.11

81.36

45.53

6.74

6.36

8.65

10.75

25. Cost of funds

6.43

12.64

10.59

6.63

8.41

7.06

9.77

8.51

26. Return on advances

11.85

6.43

12.66

16.59

11.25

9.68

12.22

11.64

27. Return on investments

9.89

14.93

14.79

6.18

10.27

9.07

12.77

10.21

28. Return on advances adjusted to cost of funds

5.42

-6.20

2.07

9.96

2.84

2.62

2.45

3.13

29. Return on investments adjusted to cost of funds

3.46

2.29

4.20

-0.45

1.86

2.01

3.00

1.70

30. Business per employee (in Rs. lakh)

306.40

263.00

367.11

587.00

1978.32

1769.00

808.00

802.00

31. Profit per employee (in Rs. lakh)

-15.61

1.00

6.63

2.00

23.42

32.00

57.00

9.00

32. Capital adequacy ratio

103.78

123.07

34.55

28.33

13.03

21.07

11.83

17.03

33. Capital adequacy ratio - Tier I

103.78

123.03

34.55

28.15

12.51

13.45

11.64

16.20

34. Capital adequacy ratio - Tier II

0.00

0.04

0.00

0.18

0.52

7.62

0.19

0.83

35. Ratio of net NPA to net advances

50.75

61.39

0.81

1.10

0.68

0.18

11.51

11.40

Source: Compiled from annual accounts of banks of respective years.

(per cent)

As on March 31

Bank of Ceylon

Bank of Nova Scotia

Bank of Tokyo

Barclays Bank

Ratios

2001

2002

2001

2002

2001

2002

2001

2002

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

1. Cash-deposit ratio

6.10

12.15

3.65

3.63

9.06

5.94

5.12

5.92

2. Credit-deposit ratio

129.22

116.02

104.86

102.30

80.49

79.14

6.50

4.10

3. Investment-deposit ratio

27.32

25.56

43.49

39.31

31.15

34.57

147.66

190.59

4. (Credit + investment)-deposit ratio

156.54

141.58

148.36

141.60

111.64

113.71

154.16

194.68

5. Ratio of deposits to total liabilities

45.29

48.36

62.35

63.26

67.18

68.69

38.41

21.09

6. Ratio of term deposits to total deposits

77.68

71.41

94.41

93.45

56.80

67.88

94.34

94.18

7. Ratio of priority sector advances to total advances

45.20

63.82

25.17

37.84

1.61

0.68

18.06

19.99

8. Ratio of term-loans to total advances

8.61

14.19

66.98

57.70

21.30

20.94

27.42

39.91

9. Ratio of secured advances to total advances

93.54

98.30

92.35

84.69

64.32

67.10

96.76

93.48

10. Ratio of investments in non-approved securities to total investments

-

-

21.93

15.99

2.68

0.25

30.01

56.44

11. Ratio of Interest income to total assets

8.18

8.76

11.15

9.91

10.94

9.92

8.41

5.95

12. Ratio of net interest margin to total assets

3.75

4.66

2.81

2.73

6.47

5.41

1.77

1.21

13. Ratio of non-interest income to total assets

2.60

2.48

1.19

1.41

7.73

3.72

1.35

7.04

14. Ratio of intermediation cost to total assets

1.58

1.36

1.22

1.07

4.63

5.62

3.22

2.42

15. Ratio of wage bills to intermediation cost

24.81

32.18

32.05

30.39

45.60

30.49

46.39

54.85

16. Ratio of wage bills to total expenses

6.51

8.02

4.09

3.95

23.20

16.91

15.17

18.56

17. Ratio of wage bills to total income

3.63

3.89

3.17

2.88

11.31

12.57

15.32

10.23

18. Ratio of burden to total assets

-1.02

-1.12

0.03

-0.34

-3.10

1.90

1.87

-4.62

19. Ratio of burden to interest income

-12.43

-12.81

0.27

-3.42

-28.34

19.18

22.25

-77.61

20. Ratio of operating profits to total assets

4.76

5.78

2.78

3.07

9.57

3.50

-0.10

5.82

21. Return on assets

0.95

0.02

1.28

1.10

7.57

4.08

1.65

1.78

22. Return on equity

2.86

0.07

15.34

14.86

43.54

25.42

12.77

7.98

23. Cost of deposits

9.09

8.21

9.50

8.48

5.76

6.06

8.50

7.45

24. Cost of borrowings

7.35

2.83

9.46

6.84

11.32

5.59

6.64

5.88

25. Cost of funds

8.65

7.38

9.49

8.00

6.07

6.02

7.72

6.51

26. Return on advances

10.18

11.97

12.35

11.00

12.97

10.92

8.11

16.22

27. Return on investments

8.99

11.72

11.53

9.76

11.23

9.58

9.92

10.49

28. Return on advances adjusted to cost of funds

1.53

4.59

2.86

3.00

6.90

4.89

0.39

9.72

29. Return on investments adjusted to cost of funds

0.34

4.34

2.05

1.76

5.16

3.55

2.21

3.98

30. Business per employee (in Rs. lakh)

757.00

815.00

1300.40

1521.00

354.55

404.00

366.53

329.00

31. Profit per employee (in Rs. lakh)

6.00

-

15.70

15.00

23.51

17.00

14.28

34.00

32. Capital adequacy ratio

36.49

30.94

9.97

10.12

15.51

15.36

26.97

63.56

33. Capital adequacy ratio - Tier I

36.46

30.77

9.71

9.73

15.51

15.21

26.75

62.81

34. Capital adequacy ratio - Tier II

0.03

0.17

0.26

0.39

-

0.15

0.22

0.75

35. Ratio of net NPA to net advances

28.74

23.88

2.04

2.72

0.01

-

-

36.04

Source: Compiled from annual accounts of banks of respective years.

(per cent)

As on March 31

BNP Paribas

Chase Manhattan Bank

Chinatrust Commercial Bank

Cho Hung Bank

Ratios

2001

2002

2001

2002

2001

2002

2001

2002

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

1. Cash-deposit ratio

7.86

7.32

15.13

9.65

6.83

6.42

3.32

2. Credit-deposit ratio

62.26

93.09

20.98

168.47

77.88

91.63

128.86

3. Investment-deposit ratio

60.98

90.88

282.72

102.28

68.56

53.01

49.64

4. (Credit + investment)-deposit ratio

123.24

183.97

303.70

270.75

146.44

144.64

178.50

5. Ratio of deposits to total liabilities

63.40

44.21

25.86

33.62

60.30

45.16

42.58

6. Ratio of term deposits to total deposits

76.27

69.59

87.22

84.44

93.19

52.99

75.02

7. Ratio of priority sector advances to total advances

30.26

30.86

-

27.29

22.21

-

-

8. Ratio of term-loans to total advances

43.94

57.30

16.47

82.41

66.64

36.34

56.15

9. Ratio of secured advances to total advances

64.67

43.23

100.00

94.13

85.39

99.45

99.90

10. Ratio of investments in non-approved securities to total investments

40.15

38.14

-

41.86

34.73

31.46

47.60

11. Ratio of Interest income to total assets

10.55

8.73

7.94

10.23

11.98

9.28

8.16

12. Ratio of net interest margin to total assets

2.83

2.17

2.68

4.04

5.57

7.73

7.04

13. Ratio of non-interest income to total assets

1.69

1.29

12.37

0.58

1.20

2.32

2.36

14. Ratio of intermediation cost to total assets

3.05

4.16

5.15

2.67

3.00

2.16

2.01

15. Ratio of wage bills to intermediation cost

46.22

42.35

33.60

30.39

32.22

29.65

34.22

16. Ratio of wage bills to total expenses

13.09

16.43

16.62

9.15

10.27

17.26

22.02

17. Ratio of wage bills to total income

11.52

17.57

8.51

7.50

7.33

5.53

6.53

18. Ratio of burden to total assets

1.36

2.86

-7.23

2.09

1.80

-0.15

-0.35

19. Ratio of burden to interest income

12.89

32.81

-90.95

20.43

15.02

-1.64

-4.33

20. Ratio of operating profits to total assets

1.47

-0.69

9.91

1.95

3.77

7.88

7.40

21. Return on assets

0.33

-0.94

6.66

0.64

1.00

3.16

3.42

22. Return on equity

4.44

-17.09

26.25

2.71

3.35

10.37

13.70

23. Cost of deposits

8.27

8.53

4.05

7.23

9.21

2.88

1.44

24. Cost of borrowings

9.28

5.52

5.87

7.84

7.42

..

8.36

25. Cost of funds

8.62

7.32

5.57

7.53

8.60

2.88

2.25

26. Return on advances

16.02

11.20

15.76

11.43

13.51

12.90

12.15

27. Return on investments

10.32

9.15

8.89

11.31

12.92

10.56

7.20

28. Return on advances adjusted to cost of funds

7.39

3.88

10.18

3.90

4.92

10.02

9.91

29. Return on investments adjusted to cost of funds

1.70

1.83

3.32

3.78

4.32

7.68

4.95

30. Business per employee (in Rs. lakh)

553.45

617.86

93.91

689.79

635.34

766.01

1162.00

31. Profit per employee (in Rs. lakh)

1.96

-6.90

30.06

4.87

5.91

27.84

41.00

32. Capital adequacy ratio

9.92

9.66

43.79

28.27

40.11

35.00

27.65

33. Capital adequacy ratio - Tier I

6.59

5.61

43.77

27.50

39.61

35.00

27.43

34. Capital adequacy ratio - Tier II

3.33

4.05

0.02

0.77

0.50

-

0.22

35. Ratio of net NPA to net advances

-

1.62

-

3.76

-

0.91

0.47

# : See 'Explanatory Nots'.

Source: Compiled from annual accounts of banks of respective years.

(per cent)

As on March 31

Citibank

Commerz Bank

Credit Agricole Indosuez

Credit Lyonnais

Ratios

2001

2002

2001

2002

2001

2002

2001

2002

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

1. Cash-deposit ratio

6.55

7.63

2.41

4.33

6.57

2.43

3.13

2. Credit-deposit ratio

65.99

74.69

26.40

74.32

57.43

63.69

74.64

3. Investment-deposit ratio

39.88

39.41

76.94

65.67

66.03

44.16

34.44

4. (Credit + investment)-deposit ratio

105.87

114.10

103.34

139.99

123.46

107.85

109.07

5. Ratio of deposits to total liabilities

72.19

70.91

72.10

-

51.44

54.51

79.39

74.52

6. Ratio of term deposits to total deposits

73.64

69.47

92.11

85.91

80.20

93.78

96.03

7. Ratio of priority sector advances to total advances

20.77

21.93

29.71

-

27.00

15.74

15.65

23.41

8. Ratio of term-loans to total advances

66.37

67.23

49.89

-

82.61

92.26

17.80

30.93

9. Ratio of secured advances to total advances

47.40

64.82

66.26

100.00

56.84

28.66

46.17

46.48

10. Ratio of investments in non-approved securities to total investments

17.83

19.57

60.98

34.49

40.41

37.47

24.65

11. Ratio of Interest income to total assets

10.41

9.33

9.99

8.01

8.96

6.66

13.88

10.62

12. Ratio of net interest margin to total assets

4.59

3.94

2.21

2.32

1.86

1.07

3.49

1.57

13. Ratio of non-interest income to total assets

3.10

3.92

1.46

1.14

1.05

1.28

2.40

2.83

14. Ratio of intermediation cost to total assets

3.57

3.70

2.69

5.55

2.90

1.80

1.95

2.10

15. Ratio of wage bills to intermediation cost

23.16

21.46

44.01

39.15

52.01

44.61

50.50

46.70

16. Ratio of wage bills to total expenses

8.81

8.74

11.31

19.34

15.07

10.87

7.99

8.78

17. Ratio of wage bills to total income

6.13

5.99

10.34

23.76

15.04

10.12

6.06

7.28

18. Ratio of burden to total assets

0.47

-0.22

1.23

4.41

1.84

0.52

-0.45

-0.73

19. Ratio of burden to interest income

4.52

-2.38

12.30

55.11

20.58

7.85

-3.21

-6.88

20. Ratio of operating profits to total assets

4.12

4.16

0.98

-2.09

0.02

0.54

3.94

2.30

21. Return on assets

3.24

3.60

0.18

-2.60

-1.62

0.99

0.20

0.30

22. Return on equity

24.74

21.35

1.36

-11.44

-22.13

13.82

2.34

3.10

23. Cost of deposits

6.35

6.29

7.32

1.45

5.35

2.22

10.70

9.79

24. Cost of borrowings

6.17

4.94

10.66

26.42

11.01

12.01

40.26

18.50

25. Cost of funds

6.32

6.07

8.44

5.52

8.10

6.20

11.79

10.48

26. Return on advances

14.14

12.71

13.45

9.15

10.10

8.37

16.98

11.02

27. Return on investments

10.18

8.80

11.66

11.70

11.29

9.85

13.61

12.74

28. Return on advances adjusted to cost of funds

7.82

6.64

5.01

3.63

2.00

2.18

5.20

0.54

29. Return on investments adjusted to cost of funds

3.86

2.73

3.22

6.19

3.19

3.65

1.83

2.26

30. Business per employee (in Rs. lakh)

1336.24

1566.82

520.63

43.45

835.59

1042.48

1581.04

1671.00

31. Profit per employee (in Rs. lakh)

19.34

22.14

1.89

-29.17

-20.05

16.00

2.36

4.00

32. Capital adequacy ratio

11.24

11.04

15.05

171.58

11.60

11.23

10.60

10.30

33. Capital adequacy ratio - Tier I

7.91

8.36

14.76

171.58

11.16

11.02

9.50

9.10

34. Capital adequacy ratio - Tier II

3.33

2.68

0.29

-

0.44

0.21

1.10

1.20

35. Ratio of net NPA to net advances

0.70

0.40

13.64

100.00

1.21

0.36

3.50

3.80

Source: Compiled from annual accounts of banks of respective years.