Publications

Other Scheduled Commercial Banks

(per cent)

As on March 31

Ratios

Bank of Punjab

Bank of Rajasthan

Benares State Bank #

Bharat Overseas Bank

2001

2002

2001

2002

2001

2002

2001

2002

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1. Cash-deposit ratio

6.78

7.09

11.98

8.91

8.46

5.23

5.38

2. Credit-deposit ratio

49.46

48.05

52.84

49.39

22.28

48.38

49.39

3. Investment-deposit ratio

48.06

40.89

44.41

47.57

61.14

34.11

36.61

4. (Credit + investment)-deposit ratio

97.53

88.94

97.25

96.96

83.42

82.48

86.01

5. Ratio of deposits to total liabilities

81.59

86.37

81.33

82.44

90.95

86.41

86.54

6. Ratio of term deposits to total deposits

71.87

73.09

58.27

57.09

69.05

78.42

76.94

7. Ratio of priority sector advances to total advances

15.27

12.94

27.68

28.65

35.22

25.65

21.28

8. Ratio of term-loans to total advances

47.79

57.75

31.18

35.78

22.53

24.20

21.86

9. Ratio of secured advances to total advances

84.21

86.84

94.57

91.46

98.52

80.18

87.33

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

34.25

23.45

32.32

26.36

49.33

13.37

13.32

11. Ratio of Interest income to total assets

9.83

9.54

10.44

9.90

9.43

9.00

8.41

12. Ratio of net interest margin to total assets

3.27

2.37

3.14

2.83

0.96

2.95

2.48

13. Ratio of non-interest income to total assets

1.24

3.08

1.33

2.13

1.62

1.46

2.49

14. Ratio of intermediation cost to total assets

2.64

3.49

3.11

3.17

3.32

2.33

2.29

15. Ratio of wage bills to intermediation cost

9.63

10.01

65.66

64.83

74.33

45.84

44.77

16. Ratio of wage bills to total expenses

2.76

3.28

19.63

20.08

20.93

12.72

12.45

17. Ratio of wage bills to total income

2.30

2.77

17.36

17.11

22.34

10.19

9.39

18. Ratio of burden to total assets

1.40

0.41

1.78

1.05

1.70

0.86

-0.20

19. Ratio of burden to interest income

14.29

4.31

17.05

10.57

18.06

9.59

-2.42

20. Ratio of operating profits to total assets

1.87

1.96

1.36

1.78

-0.75

2.09

2.68

21. Return on assets

0.93

0.92

0.74

0.84

1.19

1.04

1.08

22. Return on equity

20.11

19.27

14.82

19.56

-20.40

18.93

20.39

23. Cost of deposits

7.32

8.07

9.06

8.54

9.33

6.69

6.63

24. Cost of borrowings

7.15

4.93

1.51

1.32

7.07

7.44

4.32

25. Cost of funds

7.31

7.90

9.01

8.49

9.32

6.71

6.55

26. Return on advances

11.47

12.12

12.23

11.50

11.40

10.82

9.86

27. Return on investments

12.21

10.90

12.62

11.01

12.77

10.81

10.77

28. Return on advances adjusted to cost of funds

4.17

4.22

3.22

3.00

2.08

4.10

3.31

29. Return on investments adjusted to cost of funds

4.90

3.00

3.60

2.52

3.45

4.10

4.22

30. Business per employee (in Rs. lakh)

645.68

519.90

123.55

135.84

100.13

233.00

259.00

31. Profit per employee (in Rs. lakh)

4.94

3.74

0.75

0.94

-1.04

1.67

2.17

32. Capital adequacy ratio

11.02

12.82

10.57

12.07

-

14.43

15.09

33. Capital adequacy ratio - Tier I

8.52

8.47

8.91

10.01

-

12.48

12.55

34. Capital adequacy ratio - Tier II

2.50

4.35

1.66

2.06

-

1.95

2.54

35. Ratio of net NPA to net advances

2.31

2.93

12.00

8.86

4.39

4.14

4.38

# : See 'Explanatory Notes'.

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

(per cent)

As on March 31

Ratios

Catholic Syrian Bank

Centurion Bank

City Union Bank

Development Credit Bank

2001

2002

2001

2002

2001

2002

2001

2002

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1. Cash-deposit ratio

5.82

6.47

7.63

8.65

10.01

7.28

4.53

7.19

2. Credit-deposit ratio

45.50

37.94

47.64

46.00

54.38

51.23

60.22

61.20

3. Investment-deposit ratio

39.53

42.53

50.66

34.72

40.35

46.17

36.67

32.73

4. (Credit + investment)-deposit ratio

85.03

80.48

98.31

80.71

94.73

97.39

96.89

93.92

5. Ratio of deposits to total liabilities

92.91

91.74

72.41

85.26

88.67

88.51

86.52

88.13

6. Ratio of term deposits to total deposits

76.23

78.20

82.87

83.04

76.25

78.74

86.34

84.58

7. Ratio of priority sector advances to total advances

25.46

25.50

14.53

19.15

33.88

33.69

32.47

34.01

8. Ratio of term-loans to total advances

41.26

47.37

55.30

58.86

23.62

28.90

45.91

43.91

9. Ratio of secured advances to total advances

93.86

94.53

84.18

85.38

95.94

95.27

73.89

72.43

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

22.66

18.67

25.25

21.14

17.39

9.70

27.24

23.88

11. Ratio of Interest income to total assets

11.02

10.41

9.86

9.62

11.01

10.48

10.66

9.26

12. Ratio of net interest margin to total assets

2.86

2.49

1.84

2.06

3.19

2.70

2.38

2.23

13. Ratio of non-interest income to total assets

1.70

3.06

1.77

1.41

1.72

2.37

1.34

2.35

14. Ratio of intermediation cost to total assets

2.85

2.76

2.57

3.19

1.97

1.86

1.97

2.05

15. Ratio of wage bills to intermediation cost

74.74

75.25

10.76

12.41

62.04

61.60

38.60

40.98

16. Ratio of wage bills to total expenses

19.35

19.43

2.61

3.68

12.47

11.86

7.41

9.25

17. Ratio of wage bills to total income

16.75

15.40

2.38

3.59

9.59

8.89

6.32

7.23

18. Ratio of burden to total assets

1.15

-0.30

0.80

1.78

0.25

-0.52

0.63

-0.30

19. Ratio of burden to interest income

10.43

-2.90

8.10

18.47

2.23

-4.94

5.89

-3.28

20. Ratio of operating profits to total assets

1.71

2.80

1.04

0.29

2.95

3.21

1.76

2.54

21. Return on assets

0.38

1.07

0.13

-3.27

1.21

1.33

0.87

0.95

22. Return on equity

17.84

42.96

3.28

-47.83

19.17

21.82

10.94

10.93

23. Cost of deposits

8.59

8.42

8.08

7.65

8.63

8.71

8.84

7.47

24. Cost of borrowings

3.81

5.10

4.19

2.99

7.24

4.56

12.14

25.88

25. Cost of funds

8.50

8.40

7.34

7.04

8.60

8.67

9.00

7.83

26. Return on advances

13.25

12.60

13.55

13.88

13.76

12.60

11.45

10.82

27. Return on investments

12.93

12.32

10.09

8.76

11.39

11.14

13.78

11.00

28. Return on advances adjusted to cost of funds

4.75

4.20

6.21

6.84

5.16

3.93

2.45

2.99

29. Return on investments adjusted to cost of funds

4.43

3.92

2.75

1.71

2.79

2.47

4.77

3.17

30. Business per employee (in Rs. lakh)

125.42

140.98

636.16

467.72

167.35

203.50

429.00

443.00

31. Profit per employee (in Rs. lakh)

0.37

1.23

7.04

1.49

1.58

2.10

2.34

2.53

32. Capital adequacy ratio

6.08

9.57

16.49

4.16

13.59

13.97

11.28

11.49

33. Capital adequacy ratio - Tier I

4.47

5.97

6.88

2.58

13.26

12.81

10.69

10.93

34. Capital adequacy ratio - Tier II

1.61

3.60

9.61

1.58

0.33

1.16

0.59

0.56

35. Ratio of net NPA to net advances

9.99

9.92

2.96

5.82

8.20

8.22

6.12

6.47

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

(per cent)

As on March 31

Ratios

Dhanalakshmi Bank

Federal Bank

Ganesh Bank of Kurundwad

Global Trust Bank

2001

2002

2001

2002

2001

2002

2001

2002

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

1. Cash-deposit ratio

7.10

6.10

3.42

5.18

11.72

10.95

8.61

7.52

2. Credit-deposit ratio

58.90

55.38

63.32

58.53

51.13

49.88

53.01

47.07

3. Investment-deposit ratio

37.50

39.30

39.60

42.37

26.35

23.06

49.97

45.01

4. (Credit + investment)-deposit ratio

96.40

94.68

102.92

100.90

77.47

72.95

102.98

92.08

5. Ratio of deposits to total liabilities

88.19

87.80

86.91

87.39

93.45

93.01

81.65

88.17

6. Ratio of term deposits to total deposits

79.37

79.40

76.52

77.27

77.58

74.94

86.66

82.41

7. Ratio of priority sector advances to total advances

29.49

28.91

32.24

31.92

48.68

51.57

19.38

21.90

8. Ratio of term-loans to total advances

31.57

31.18

31.63

32.86

66.84

66.06

32.02

38.61

9. Ratio of secured advances to total advances

87.59

85.89

92.40

94.00

97.90

97.76

84.72

86.93

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

25.92

27.08

35.98

28.63

3.15

3.30

41.48

34.41

11. Ratio of Interest income to total assets

10.77

10.11

11.19

10.99

11.44

10.49

10.56

8.63

12. Ratio of net interest margin to total assets

2.42

2.37

2.89

2.91

2.26

1.85

2.36

1.05

13. Ratio of non-interest income to total assets

1.58

3.28

1.52

2.32

0.50

1.50

1.93

2.73

14. Ratio of intermediation cost to total assets

2.96

2.83

2.13

2.02

2.31

2.17

1.93

2.02

15. Ratio of wage bills to intermediation cost

56.88

67.18

63.36

63.24

56.91

58.74

18.57

21.02

16. Ratio of wage bills to total expenses

14.87

17.97

12.94

12.63

11.43

11.77

3.54

4.43

17. Ratio of wage bills to total income

13.62

14.18

10.62

9.58

11.00

10.61

2.87

3.74

18. Ratio of burden to total assets

1.38

-0.45

0.61

-0.31

1.81

0.66

-0.01

-0.71

19. Ratio of burden to interest income

12.80

-4.48

5.43

-2.80

15.81

6.32

-0.05

-8.24

20. Ratio of operating profits to total assets

1.04

2.82

2.28

3.22

0.45

1.19

2.36

1.76

21. Return on assets

0.40

0.53

0.69

0.53

11.54

11.08

0.85

0.55

22. Return on equity

8.91

10.57

15.70

18.98

5.39

12.04

14.39

8.19

23. Cost of deposits

8.89

8.41

8.68

8.53

9.81

9.23

9.09

8.17

24. Cost of borrowings

7.25

7.54

5.63

2.93

15.48

14.11

3.48

4.41

25. Cost of funds

8.85

8.40

8.53

8.30

9.83

9.25

8.72

8.00

26. Return on advances

12.25

11.47

12.63

12.67

15.14

14.01

13.41

11.12

27. Return on investments

12.42

11.42

11.79

11.35

12.35

11.39

11.11

9.18

28. Return on advances adjusted to cost of funds

3.40

3.08

4.10

4.37

5.31

4.77

4.69

3.12

29. Return on investments adjusted to cost of funds

3.57

3.03

3.26

3.05

2.52

2.14

2.39

1.18

30. Business per employee (in Rs. lakh)

184.28

199.24

190.00

199.24

94.77

105.40

832.00

709.09

31. Profit per employee (in Rs. lakh)

0.52

0.78

0.97

0.78

0.09

0.16

7.00

3.51

32. Capital adequacy ratio

9.69

11.23

10.29

11.23

9.14

9.11

12.71

11.21

33. Capital adequacy ratio - Tier I

7.33

9.36

7.72

9.36

4.66

5.26

8.79

7.44

34. Capital adequacy ratio - Tier II

2.36

1.87

2.57

1.87

4.88

3.85

3.92

3.77

35. Ratio of net NPA to net advances

11.34

11.66

10.08

11.66

9.93

10.12

3.75

9.23

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

(per cent)

As on March 31

Ratios

HDFC Bank

ICICI Bank

IDBI Bank

IndusInd Bank

2001

2002

2001

2002

2001

2002

2001

2002

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

1. Cash-deposit ratio

8.46

6.86

7.52

5.53

7.47

6.94

5.36

6.07

2. Credit-deposit ratio

39.77

38.60

42.93

146.59

48.35

59.21

58.95

66.36

3. Investment-deposit ratio

61.29

68.00

49.99

111.86

70.77

46.19

34.70

29.58

4. (Credit + investment)-deposit ratio

101.06

106.59

92.92

258.46

119.12

105.40

93.66

95.94

5. Ratio of deposits to total liabilities

74.65

74.87

82.98

30.76

72.53

78.82

83.06

82.32

6. Ratio of term deposits to total deposits

59.18

59.34

72.51

83.69

77.00

53.78

88.95

87.04

7. Ratio of priority sector advances to total advances

14.40

10.75

16.85

4.22

21.93

25.55

16.63

17.01

8. Ratio of term-loans to total advances

54.86

55.05

13.84

91.38

28.07

50.06

20.64

16.14

9. Ratio of secured advances to total advances

85.27

91.54

76.74

97.02

86.46

72.18

82.43

88.66

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

52.07

55.79

49.77

36.49

53.46

36.69

25.72

20.30

11. Ratio of Interest income to total assets

9.24

8.69

7.81

3.47

11.43

8.81

8.75

7.53

12. Ratio of net interest margin to total assets

3.71

3.21

2.54

0.96

2.15

2.48

1.91

1.73

13. Ratio of non-interest income to total assets

1.36

1.70

1.38

0.93

1.48

2.12

1.40

1.96

14. Ratio of intermediation cost to total assets

2.27

2.13

2.10

1.00

2.17

2.47

1.24

1.00

15. Ratio of wage bills to intermediation cost

25.19

26.14

15.47

23.64

22.07

27.78

13.00

21.42

16. Ratio of wage bills to total expenses

7.34

7.32

4.41

6.75

4.19

7.81

1.99

3.16

17. Ratio of wage bills to total income

5.40

5.36

3.54

5.40

3.72

6.29

1.58

2.27

18. Ratio of burden to total assets

0.91

0.43

0.72

0.08

0.70

0.35

-0.16

-0.95

19. Ratio of burden to interest income

9.85

4.97

9.20

2.23

6.12

4.02

-1.85

-12.63

20. Ratio of operating profits to total assets

2.80

2.78

1.82

0.88

1.46

2.13

2.07

2.68

21. Return on assets

1.62

1.48

0.82

0.67

0.41

0.79

0.47

0.50

22. Return on equity

22.99

20.81

13.09

6.53

7.34

18.42

7.52

9.17

23. Cost of deposits

6.36

6.25

5.53

5.73

11.41

6.23

7.39

6.03

24. Cost of borrowings

7.12

8.69

4.21

0.19

2.57

4.98

5.41

4.60

25. Cost of funds

6.45

6.48

5.46

2.91

9.98

6.04

7.26

5.92

26. Return on advances

12.33

10.90

10.68

2.85

12.43

10.35

9.41

8.73

27. Return on investments

9.86

9.02

8.82

5.60

13.64

9.52

12.50

10.23

28. Return on advances adjusted to cost of funds

5.88

4.42

5.23

-0.06

2.45

4.31

2.15

2.81

29. Return on investments adjusted to cost of funds

3.41

2.55

3.36

2.69

3.66

3.48

5.24

4.31

30. Business per employee (in Rs. lakh)

643.00

778.00

815.22

486.49

684.67

689.88

1582.36

1587.91

31. Profit per employee (in Rs. lakh)

8.61

9.75

10.45

5.33

2.50

4.34

6.98

6.88

32. Capital adequacy ratio

11.09

13.93

11.57

11.44

11.72

9.59

15.00

12.51

33. Capital adequacy ratio - Tier I

8.69

10.81

10.42

7.47

7.89

6.36

12.56

10.45

34. Capital adequacy ratio - Tier II

2.40

3.12

1.15

3.97

3.83

3.23

2.44

2.06

35. Ratio of net NPA to net advances

0.45

0.50

2.19

5.48

5.24

2.21

5.25

6.59

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

(per cent)

As on March 31

Ratios

Jammu & Kashmir Bank

Karnataka Bank

Karur Vysya Bank

Lakshmi Vilas Bank

2001

2002

2001

2002

2001

2002

2001

2002

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

1. Cash-deposit ratio

9.74

7.87

6.48

4.88

6.61

5.02

8.92

6.42

2. Credit-deposit ratio

42.65

49.75

46.55

48.81

62.35

58.85

64.99

63.19

3. Investment-deposit ratio

48.58

44.55

45.87

49.52

34.14

36.82

34.34

36.51

4. (Credit + investment)-deposit ratio

91.22

94.31

92.42

98.33

96.50

95.67

99.33

99.70

5. Ratio of deposits to total liabilities

87.80

87.84

90.99

90.19

85.27

81.80

87.21

86.95

6. Ratio of term deposits to total deposits

69.21

65.95

80.41

81.31

78.52

78.05

75.56

74.91

7. Ratio of priority sector advances to total advances

24.76

20.50

33.71

34.96

38.63

36.29

40.14

38.12

8. Ratio of term-loans to total advances

48.34

49.30

24.55

23.21

33.12

46.97

21.55

34.82

9. Ratio of secured advances to total advances

92.76

92.54

96.42

89.95

93.53

92.22

94.04

86.63

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

36.76

37.26

20.17

17.11

35.69

31.19

29.38

27.26

11. Ratio of Interest income to total assets

9.25

9.87

10.53

10.29

11.55

10.32

10.20

9.94

12. Ratio of net interest margin to total assets

3.07

3.20

2.45

1.95

3.89

3.52

2.70

2.26

13. Ratio of non-interest income to total assets

0.69

1.88

1.44

3.34

1.35

2.24

2.39

3.15

14. Ratio of intermediation cost to total assets

1.42

1.71

1.70

1.81

2.47

2.30

2.65

2.58

15. Ratio of wage bills to intermediation cost

58.13

61.57

68.09

68.12

50.05

49.38

58.47

56.82

16. Ratio of wage bills to total expenses

10.84

12.54

11.82

12.13

12.22

12.49

15.29

14.28

17. Ratio of wage bills to total income

8.28

8.95

9.66

9.04

9.60

9.05

12.32

11.19

18. Ratio of burden to total assets

0.72

-0.17

0.26

-1.53

1.12

0.06

0.26

-0.57

19. Ratio of burden to interest income

7.81

-1.69

2.44

-14.85

9.74

0.58

2.58

-5.74

20. Ratio of operating profits to total assets

2.34

3.36

2.19

3.47

2.77

3.46

2.44

2.83

21. Return on assets

1.32

1.77

0.73

1.26

1.70

2.42

1.02

1.06

22. Return on equity

27.30

31.75

13.72

23.02

24.44

28.60

20.22

19.68

23. Cost of deposits

6.93

7.30

8.71

9.06

8.42

7.72

8.11

8.45

24. Cost of borrowings

3.86

14.23

5.32

5.75

4.84

2.66

11.75

10.17

25. Cost of funds

6.90

7.41

8.63

9.00

8.23

7.44

8.25

8.48

26. Return on advances

10.52

11.43

13.13

12.46

13.14

10.75

12.85

11.28

27. Return on investments

11.73

11.66

10.70

10.15

13.91

13.82

9.58

10.44

28. Return on advances adjusted to cost of funds

3.62

4.03

4.50

3.45

4.91

3.31

4.60

2.79

29. Return on investments adjusted to cost of funds

4.83

4.25

2.06

1.15

5.69

6.37

1.32

1.96

30. Business per employee (in Rs. lakh)

212.00

264.00

210.28

247.24

192.00

219.00

192.00

212.00

31. Profit per employee (in Rs. lakh)

2.58

4.00

1.11

2.20

2.52

3.79

1.38

1.56

32. Capital adequacy ratio

17.44

15.46

11.37

12.96

15.56

16.90

10.21

11.54

33. Capital adequacy ratio - Tier I

14.33

12.41

11.06

11.10

15.12

15.62

8.52

8.44

34. Capital adequacy ratio - Tier II

3.11

3.05

0.31

1.86

0.44

1.28

1.69

3.10

35. Ratio of net NPA to net advances

2.45

1.88

6.93

5.90

4.73

6.33

6.47

9.13

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

(per cent)

As on March 31

Ratios

Lord Krishna Bank

Nainital Bank

Nedungadi Bank

Ratnakar Bank

2001

2002

2001

2002

2001

2002

2001

2002

(41)

(42)

(43)

(44)

(45)

(46)

(47)

(48)

1. Cash-deposit ratio

6.25

6.45

9.35

6.47

9.50

5.15

8.97

9.87

2. Credit-deposit ratio

47.71

54.99

22.50

21.51

48.51

53.54

46.10

44.76

3. Investment-deposit ratio

44.55

41.89

53.15

54.67

40.33

36.71

43.13

41.94

4. (Credit + investment)-deposit ratio

92.26

96.88

75.64

76.19

88.83

90.25

89.24

86.70

5. Ratio of deposits to total liabilities

87.02

87.10

91.83

91.82

92.03

91.18

89.31

88.32

6. Ratio of term deposits to total deposits

87.52

87.86

55.29

53.53

83.25

78.61

76.70

76.59

7. Ratio of priority sector advances to total advances

15.54

12.21

55.43

52.64

32.43

33.15

28.15

26.61

8. Ratio of term-loans to total advances

46.10

29.78

-

26.01

22.42

16.53

43.05

43.15

9. Ratio of secured advances to total advances

96.90

91.32

99.68

98.76

97.03

99.66

91.23

90.84

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

16.66

13.81

27.19

30.83

15.03

19.20

39.51

18.11

11. Ratio of Interest income to total assets

10.09

9.19

10.43

10.16

9.74

8.93

11.06

10.03

12. Ratio of net interest margin to total assets

1.66

0.85

4.09

4.12

1.09

0.58

3.34

3.09

13. Ratio of non-interest income to total assets

1.72

4.80

0.45

0.55

1.59

4.03

1.65

4.18

14. Ratio of intermediation cost to total assets

2.14

2.43

2.74

2.72

2.64

2.61

3.09

3.33

15. Ratio of wage bills to intermediation cost

52.85

43.06

72.32

74.07

66.29

66.26

57.18

64.99

16. Ratio of wage bills to total expenses

10.68

9.70

21.80

22.97

15.51

15.77

16.34

21.06

17. Ratio of wage bills to total income

9.56

7.47

18.20

18.79

15.46

13.34

13.90

15.22

18. Ratio of burden to total assets

0.42

-2.38

2.29

2.17

1.05

-1.42

1.44

-0.85

19. Ratio of burden to interest income

4.13

-25.85

21.96

21.34

10.79

-15.87

13.04

-8.52

20. Ratio of operating profits to total assets

1.24

3.22

1.80

1.95

0.04

1.99

1.90

3.94

21. Return on assets

0.41

1.26

0.93

0.92

-

0.08

0.77

1.16

22. Return on equity

9.21

23.62

21.49

20.22

-111.51

2.10

15.75

22.29

23. Cost of deposits