|
|
|
|
|
|
|
|
(in per cent)
|
|
|
As on March 31
|
|
|
|
|
|
|
|
Ratios
|
State Bank
of India
|
State Bank of
Bikaner & Jaipur
|
State Bank of
Hyderabad
|
State Bank
of Indore
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(1)
|
(2)
|
(3)
|
(4)
|
(5)
|
(6)
|
(7)
|
(8)
|
|
1. Cash-deposit ratio
|
4.3
|
5.98
|
6.64
|
8.06
|
8.87
|
7.5
|
6.76
|
5.3
|
|
2. Credit-deposit ratio
|
46.52
|
49.57
|
51.18
|
54.96
|
46.91
|
48.7
|
56.23
|
61.49
|
|
3. Investment-deposit ratio
|
58.2
|
58.28
|
58.05
|
53.89
|
60.77
|
61.91
|
55.74
|
52.11
|
|
4. (Credit+Investment)-deposit ratio
|
104.7
|
107.84
|
109.23
|
108.85
|
107.68
|
110.61
|
111.97
|
113.59
|
|
5. Ratio of deposits to total liabilities
|
78.78
|
78.13
|
73.36
|
77.22
|
78.83
|
79.15
|
81.02
|
79.87
|
|
6. Ratio of term deposits to total deposits
|
62.67
|
59.23
|
53.07
|
54.49
|
66.42
|
65.61
|
67.37
|
65.65
|
|
7. Ratio of priority sector advances to total advances
|
25.49
|
27.04
|
43.16
|
43.86
|
32.54
|
39.51
|
43.94
|
46.32
|
|
8. Ratio of term loan to total advances
|
40.82
|
46.69
|
29.41
|
34.46
|
36.65
|
45.46
|
37.83
|
47.8
|
|
9. Ratio of secured advances to total advances
|
86.46
|
83.15
|
91.69
|
90.03
|
88.65
|
86.94
|
93.68
|
88.48
|
|
10. Ratio of investments in non-approved
securites to total investments
|
13.98
|
12.79
|
8.73
|
5.44
|
17.6
|
9.6
|
7.58
|
6.64
|
|
11. Ratio of interest income to total assets
|
8.59
|
7.77
|
8.56
|
8.22
|
8.57
|
7.8
|
9.21
|
8.57
|
|
12. Ratio of net interest margin to total assets
|
2.76
|
2.85
|
3.28
|
3.74
|
3.1
|
2.96
|
3.43
|
3.71
|
|
13. Ratio of non-interest income to total assets
|
1.59
|
1.94
|
2.02
|
2.57
|
1.91
|
2.49
|
2.82
|
2.95
|
|
14. Ratio of intemediation cost to total assets
|
2.19
|
2.36
|
2.68
|
2.75
|
1.87
|
1.88
|
2.32
|
2.31
|
|
15. Ratio of wage bills to intemediation cost
|
71.62
|
69.74
|
70.98
|
68.48
|
67.95
|
63.86
|
66.97
|
62.92
|
|
16. Ratio of wage bills to total expense
|
19.58
|
22.61
|
23.91
|
26.06
|
17.32
|
17.91
|
19.16
|
20.28
|
|
17. Ratio of wage bills to total income
|
15.45
|
16.94
|
17.98
|
17.46
|
12.13
|
11.69
|
12.9
|
12.61
|
|
18. Ratio of burden to total assets
|
0.61
|
0.42
|
0.66
|
0.18
|
-0.04
|
-0.61
|
-0.5
|
-0.65
|
|
19. Ratio of burden to interest income
|
7.08
|
5.36
|
7.69
|
2.23
|
-0.49
|
-7.81
|
-5.46
|
-7.53
|
|
20. Ratio of operating profits to total assets
|
2.15
|
2.44
|
2.62
|
3.56
|
3.14
|
3.57
|
3.93
|
4.36
|
|
21. Return on assets
|
0.86
|
0.94
|
1.13
|
1.49
|
1.15
|
1.25
|
1.76
|
1.73
|
|
22. Return on equity
|
19.15
|
19.67
|
24.56
|
29.39
|
26.8
|
26.99
|
40.21
|
32.94
|
|
23. Cost of deposits
|
7.12
|
5.9
|
6.96
|
5.81
|
6.74
|
5.9
|
6.84
|
5.75
|
|
24. Cost of borrowings
|
2.1
|
1.42
|
0.76
|
1.43
|
3.76
|
2.66
|
1.01
|
0.17
|
|
25. Cost of funds
|
6.96
|
5.74
|
6.88
|
5.68
|
6.7
|
5.81
|
6.68
|
5.56
|
|
26. Return on advances
|
8.69
|
7.62
|
10.29
|
8.99
|
10.05
|
8.93
|
10.27
|
8.57
|
|
27. Return on investments
|
9.61
|
8.78
|
10.23
|
10.22
|
9.94
|
8.86
|
9.79
|
9.96
|
|
28. Return on advances adjusted to cost of funds
|
1.73
|
1.88
|
3.41
|
3.32
|
3.35
|
3.12
|
3.6
|
3
|
|
29. Return on investments adjusted to cost of funds
|
2.65
|
3.04
|
3.36
|
4.55
|
3.24
|
3.05
|
3.11
|
4.4
|
|
30. Business per employee (in Rs.lakh)
|
191
|
210.56
|
145.64
|
169.82
|
226.2
|
265.86
|
220.52
|
230.77
|
|
31. Profit per employee (in Rs.lakh)
|
1.47
|
1.77
|
1.63
|
5.52
|
2.25
|
2.87
|
3.06
|
3.45
|
|
32. Capital adequacy ratio
|
13.5
|
13.53
|
13.08
|
12.93
|
14.91
|
14.29
|
13.09
|
12.39
|
|
33. Capital adequacy ratio - Tier I
|
8.81
|
8.34
|
10.52
|
9.03
|
9.84
|
8.42
|
9.4
|
8.31
|
|
34. Capital adequacy ratio - Tier II
|
4.69
|
5.19
|
2.56
|
3.9
|
5.07
|
5.87
|
3.69
|
4.08
|
|
35. Ratio of net NPA to net advances
|
4.5
|
3.48
|
4.13
|
1.24
|
3.25
|
0.65
|
2.66
|
0
|
|
Source : Compiled from annual accounts of banks of respective years
|
|
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS
: 2003 AND 2004
|
|
STATE BANK OF INDIA & ITS ASSOCIATES
|
|
|
|
|
|
|
|
|
(in per cent)
|
|
|
As on March 31
|
|
|
|
|
|
|
|
|
Ratios
|
State Bank
of Mysore
|
State Bank
of Patiala
|
State Bank of
Saurashtra
|
State Bank of
Travancore
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(9)
|
(10)
|
(11)
|
(12)
|
(13)
|
(14)
|
(15)
|
(16)
|
|
1. Cash-deposit ratio
|
5.16
|
6.41
|
6.58
|
4.84
|
6.35
|
6.88
|
5.2
|
4.86
|
|
2. Credit-deposit ratio
|
58.37
|
56.9
|
60.14
|
58.23
|
51.36
|
49.09
|
57.58
|
56.45
|
|
3. Investment-deposit ratio
|
52.82
|
49.5
|
45.45
|
49.44
|
52.59
|
54.77
|
50.47
|
54.65
|
|
4. (Credit+Investment)-deposit ratio
|
111.19
|
106.4
|
105.59
|
107.7
|
103.95
|
103.9
|
108.06
|
111.1
|
|
5. Ratio of deposits to total liabilities
|
79.51
|
80.56
|
83.94
|
83.55
|
83.24
|
83.15
|
83.68
|
82.16
|
|
6. Ratio of term deposits to total deposits
|
63.55
|
63.77
|
61.91
|
65.59
|
69.18
|
69.34
|
68.74
|
68.3
|
|
7. Ratio of priority sector advances to total
advances
|
36.46
|
36.52
|
40.98
|
39.39
|
40.81
|
42.67
|
33.6
|
37.22
|
|
8. Ratio of term loan to total advances
|
35.29
|
45.03
|
39.03
|
44.26
|
27.38
|
31.97
|
33.53
|
37.65
|
|
9. Ratio of secured advances to total advances
|
95.62
|
94.74
|
89.27
|
87.28
|
92.89
|
87.54
|
87.1
|
86.67
|
|
10. Ratio of investments in non-approved
securites to total investments
|
16.23
|
11.13
|
9.62
|
8.32
|
11.36
|
6.78
|
5.37
|
4.45
|
|
11. Ratio of interest income to total assets
|
9.56
|
8.42
|
9.13
|
7.84
|
8.93
|
8.25
|
8.92
|
8.09
|
|
12. Ratio of net interest margin to total assets
|
3.56
|
3.62
|
4.09
|
3.41
|
3.16
|
3.41
|
2.94
|
3.18
|
|
13. Ratio of non-interest income to total assets
|
2.71
|
2.71
|
1.79
|
2.62
|
2.12
|
2.7
|
1.69
|
2.18
|
|
14. Ratio of intemediation cost to total assets
|
3.02
|
2.95
|
2.05
|
1.86
|
2.45
|
2.29
|
2.07
|
2.1
|
|
15. Ratio of wage bills to intemediation cost
|
75.75
|
71.68
|
66.41
|
62.64
|
62.4
|
59.88
|
73.2
|
70.01
|
|
16. Ratio of wage bills to total expense
|
25.38
|
27.26
|
19.15
|
18.56
|
18.57
|
19.22
|
18.84
|
20.99
|
|
17. Ratio of wage bills to total income
|
18.65
|
18.97
|
12.44
|
11.16
|
13.81
|
12.52
|
14.29
|
14.33
|
|
18. Ratio of burden to total assets
|
0.31
|
0.23
|
0.26
|
-0.75
|
0.32
|
-0.41
|
0.38
|
-0.08
|
|
19. Ratio of burden to interest income
|
3.26
|
2.79
|
2.81
|
-9.61
|
3.64
|
-5.01
|
4.28
|
-1.01
|
|
20. Ratio of operating profits to total assets
|
3.25
|
3.39
|
3.83
|
4.17
|
2.83
|
3.82
|
2.56
|
3.26
|
|
21. Return on assets
|
1.02
|
1.28
|
1.51
|
1.6
|
0.85
|
1.38
|
0.9
|
1.02
|
|
22. Return on equity
|
29.63
|
34.83
|
25.22
|
27.39
|
15.51
|
25.47
|
25.66
|
29.68
|
|
23. Cost of deposits
|
7.03
|
5.64
|
6.03
|
5.21
|
6.95
|
5.73
|
6.82
|
5.59
|
|
24. Cost of borrowings |
0.6
|
0.91
|
3.98
|
2.26
|
0.39
|
0.8
|
4
|
0.56
|
|
25. Cost of funds
|
6.88
|
5.51
|
5.99
|
5.14
|
6.73
|
5.49
|
6.81
|
5.54
|
|
26. Return on advances
|
10.38
|
9.65
|
10.13
|
8.33
|
9.55
|
8.46
|
9.51
|
8.55
|
|
27. Return on investments
|
10.72
|
9.37
|
10.14
|
8.31
|
11.01
|
9.63
|
10.06
|
8.8
|
|
28. Return on advances adjusted to cost of funds
|
3.49
|
4.14
|
4.13
|
3.19
|
2.82
|
2.97
|
2.7
|
3
|
|
29. Return on investments adjusted to cost of funds
|
3.83
|
3.86
|
4.14
|
3.16
|
4.28
|
4.15
|
3.25
|
3.26
|
|
30. Business per employee (in Rs.lakh)
|
146.49
|
162.8
|
246.37
|
305
|
167.87
|
193.2
|
217.68
|
271.8
|
|
31. Profit per employee (in Rs.lakh)
|
1.19
|
1.82
|
2.76
|
4
|
1.25
|
2.4
|
1.51
|
2.16
|
|
32. Capital adequacy ratio
|
11.62
|
11.53
|
13.57
|
13.56
|
13.68
|
14.53
|
11.3
|
11.36
|
|
33. Capital adequacy ratio - Tier I
|
7.23
|
7.18
|
10.39
|
9.87
|
11.66
|
10.99
|
6.8
|
6.23
|
|
34. Capital adequacy ratio - Tier II
|
4.39
|
4.35
|
3.18
|
3.69
|
2.02
|
3.54
|
4.5
|
5.13
|
|
35. Ratio of net NPA to net advances
|
5.19
|
2.96
|
1.49
|
0
|
3.53
|
0
|
3.06
|
1.39
|
|
Source : Compiled from annual accounts of banks of respective years
|
|
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS
: 2003 AND 2004
|
|
NATIONALISED BANKS
|
|
|
|
|
|
|
|
|
(in per cent)
|
|
|
As on March 31
|
|
|
|
|
|
|
|
Ratios
|
Allahabad Bank
|
Andhra Bank
|
Bank of Baroda
|
Bank of India
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(1)
|
(2)
|
(3)
|
(4)
|
(5)
|
(6)
|
(7)
|
(8)
|
|
1. Cash-deposit ratio
|
6.07
|
6.85
|
6.14
|
8.91
|
5.22
|
4.19
|
5.2
|
5.96
|
|
2. Credit-deposit ratio
|
49.26
|
48.7
|
54.66
|
56.17
|
53.26
|
48.79
|
66.15
|
64.58
|
|
3. Investment-deposit ratio
|
48.59
|
49.4
|
49.94
|
44.97
|
45.47
|
52.1
|
37.91
|
38.26
|
|
4. (Credit+Investment)-deposit ratio
|
97.85
|
98.2
|
104.6
|
101.1
|
98.74
|
100.9
|
104.06
|
102.8
|
|
5. Ratio of deposits to total liabilities
|
90.78
|
90.7
|
85.35
|
84.94
|
86.85
|
85.73
|
84.11
|
83.67
|
|
6. Ratio of term deposits to total deposits
|
56.83
|
58.1
|
69.47
|
62.66
|
66.27
|
63.61
|
67.93
|
66.34
|
|
7. Ratio of priority sector advances to total advances
|
42.68
|
41.9
|
39.9
|
37.19
|
25.96
|
27.88
|
26.16
|
28.26
|
|
8. Ratio of term loan to total advances
|
47.3
|
54.5
|
40.9
|
41.54
|
38.11
|
41.32
|
35.82
|
39
|
|
9. Ratio of secured advances to total advances
|
88.66
|
86
|
87.89
|
91.19
|
87.39
|
87.93
|
78.35
|
81.93
|
|
10. Ratio of investments in non-approved
securites to total investments
|
19.14
|
21
|
13.52
|
12.55
|
24.42
|
24.33
|
35.47
|
32.07
|
|
11. Ratio of interest income to total assets
|
9.73
|
8.51
|
9.62
|
8.62
|
8.28
|
7.61
|
8.1
|
7.18
|
|
12. Ratio of net interest margin to total assets
|
3.45
|
3.46
|
3.3
|
3.52
|
2.86
|
3.18
|
2.78
|
2.73
|
|
13. Ratio of non-interest income to total assets
|
1.99
|
2.39
|
2.65
|
2.62
|
1.71
|
2.13
|
2.24
|
2.22
|
|
14. Ratio of intemediation cost to total assets
|
3.48
|
3.06
|
2.64
|
2.55
|
2.24
|
2.24
|
2.25
|
2.17
|
|
15. Ratio of wage bills to intemediation cost
|
55.92
|
58.3
|
65.94
|
62.18
|
68.46
|
69.38
|
68.28
|
66.94
|
|
16. Ratio of wage bills to total expense
|
19.91
|
22
|
19.41
|
20.73
|
20
|
23.28
|
20.32
|
21.93
|
|
17. Ratio of wage bills to total income
|
16.59
|
16.4
|
14.18
|
14.09
|
15.34
|
15.92
|
14.87
|
15.45
|
|
18. Ratio of burden to total assets
|
1.49
|
0.67
|
-0.01
|
-0.08
|
0.53
|
0.11
|
0.01
|
-0.05
|
|
19. Ratio of burden to interest income
|
15.33
|
7.85
|
-0.08
|
-0.88
|
6.34
|
1.4
|
0.1
|
-0.7
|
|
20. Ratio of operating profits to total assets
|
1.95
|
2.79
|
3.31
|
3.6
|
2.33
|
3.08
|
2.77
|
2.78
|
|
21. Return on assets
|
0.59
|
1.34
|
1.63
|
1.72
|
1.05
|
1.2
|
1.16
|
1.25
|
|
22. Return on equity
|
15.44
|
34
|
40.31
|
36.1
|
18.81
|
20.32
|
26.65
|
26.71
|
|
23. Cost of deposits
|
6.71
|
5.41
|
6.89
|
5.63
|
5.89
|
4.83
|
5.5
|
4.56
|
|
24. Cost of borrowings
|
21.58
|
1.6
|
6.55
|
3.46
|
9.87
|
6.49
|
8.83
|
7.39
|
|
25. Cost of funds
|
6.74
|
5.4
|
6.88
|
5.54
|
5.93
|
4.85
|
5.68
|
4.73
|
|
26. Return on advances
|
10.3
|
9.49
|
11.54
|
10.09
|
8.89
|
7.9
|
8.8
|
7.48
|
|
27. Return on investments
|
10.45
|
9.33
|
9.67
|
9.13
|
10.01
|
8.6
|
8.59
|
8.03
|
|
28. Return on advances adjusted to cost of funds
|
3.56
|
4.09
|
4.66
|
4.55
|
2.95
|
3.05
|
3.11
|
2.75
|
|
29. Return on investments adjusted to cost of funds
|
3.71
|
3.93
|
2.79
|
3.59
|
4.08
|
3.75
|
2.9
|
3.3
|
|
30. Business per employee (in Rs.lakh)
|
183
|
215
|
226.71
|
277.4
|
237.67
|
253
|
242.97
|
266.7
|
|
31. Profit per employee (in Rs.lakh)
|
0.87
|
2.46
|
3.1
|
3.54
|
1.92
|
2
|
1.97
|
2.35
|
|
32. Capital adequacy ratio
|
11.15
|
12.5
|
13.62
|
13.71
|
12.65
|
13.91
|
12.02
|
13.01
|
|
33. Capital adequacy ratio - Tier I
|
6.35
|
6.26
|
8.19
|
8.17
|
8.1
|
8.47
|
7.56
|
7.47
|
|
34. Capital adequacy ratio - Tier II
|
4.8
|
6.26
|
5.43
|
5.54
|
4.55
|
5.44
|
4.46
|
5.54
|
|
35. Ratio of net NPA to net advances
|
7.08
|
2.37
|
1.79
|
0.93
|
3.72
|
2.99
|
5.37
|
4.5
|
|
|
|
|
|
|
|
|
|
|
|
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS
: 2003 AND 2004
|
|
NATIONALISED BANKS
|
|
|
|
|
|
|
|
(in per cent)
|
|
|
As on March 31
|
|
|
|
|
|
|
Ratios
|
Bank of
Maharashtra
|
Canara
Bank
|
Central Bank
of India
|
Corporation
Bank
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(9)
|
(10)
|
(11)
|
(12)
|
(13)
|
(14)
|
(15)
|
(16)
|
|
1. Cash-deposit ratio
|
8.68
|
17.16
|
7.78
|
7.98
|
7.21
|
6.13
|
5.91
|
7.31
|
|
2. Credit-deposit ratio
|
42.88
|
44.36
|
56.14
|
55.17
|
45.26
|
40.79
|
55.37
|
59.89
|
|
3. Investment-deposit ratio
|
53.22
|
52.72
|
42.25
|
41.45
|
50.9
|
56.17
|
49.11
|
46.07
|
|
4. (Credit+Investment)-deposit ratio
|
96.09
|
97.08
|
98.38
|
96.63
|
96.17
|
96.96
|
104.5
|
106
|
|
5. Ratio of deposits to total liabilities
|
88.98
|
82.1
|
87.86
|
86.74
|
89.6
|
88.26
|
82.69
|
79.55
|
|
6. Ratio of term deposits to total deposits
|
67.58
|
68.21
|
65.19
|
66.22
|
59.14
|
56.73
|
71.47
|
66.01
|
|
7. Ratio of priority sector advances to total advances
|
35.79
|
35.29
|
30.07
|
33.9
|
41.76
|
43.52
|
33.01
|
35.85
|
|
8. Ratio of term loan to total advances
|
47.27
|
53.72
|
33.19
|
40.39
|
42.23
|
47.6
|
43.04
|
48.7
|
|
9. Ratio of secured advances to total advances
|
75.16
|
65.97
|
85.88
|
86.11
|
90.34
|
96.26
|
85.52
|
86.96
|
|
10. Ratio of investments in non-approved
securites to total investments
|
11.74
|
11.43
|
20.64
|
18.95
|
23.17
|
18.89
|
20.02
|
17.16
|
|
11. Ratio of interest income to total assets
|
8.97
|
7.71
|
8.63
|
7.72
|
9.25
|
8.41
|
8.43
|
7.94
|
|
12. Ratio of net interest margin to total assets
|
2.92
|
2.7
|
2.89
|
2.95
|
3.46
|
3.52
|
3.18
|
3.48
|
|
13. Ratio of non-interest income to total assets
|
1.55
|
1.63
|
1.96
|
2.28
|
1.01
|
1.6
|
2.13
|
1.86
|
|
14. Ratio of intemediation cost to total assets
|
2.23
|
1.96
|
2.27
|
2.09
|
2.78
|
2.59
|
1.89
|
2.07
|
|
15. Ratio of wage bills to intemediation cost
|
68.66
|
66.24
|
66.5
|
67.13
|
77.71
|
75.98
|
54.29
|
49.58
|
|
16. Ratio of wage bills to total expense
|
18.44
|
18.64
|
18.83
|
20.47
|
25.23
|
26.3
|
14.36
|
15.71
|
|
17. Ratio of wage bills to total income
|
14.51
|
13.91
|
14.23
|
14.02
|
21.09
|
19.63
|
9.71
|
10.46
|
|
18. Ratio of burden to total assets
|
0.67
|
0.33
|
0.31
|
-0.19
|
1.77
|
0.99
|
-0.24
|
0.21
|
|
19. Ratio of burden to interest income
|
7.48
|
4.32
|
3.54
|
-2.52
|
19.19
|
11.72
|
-2.87
|
2.58
|
|
20. Ratio of operating profits to total assets
|
2.24
|
2.37
|
2.59
|
3.15
|
1.68
|
2.54
|
3.42
|
3.27
|
|
21. Return on assets
|
0.89
|
0.95
|
1.24
|
1.34
|
0.85
|
0.98
|
1.88
|
1.96
|
|
22. Return on equity
|
26.46
|
25.21
|
26.74
|
28.47
|
13.82
|
22.9
|
18.84
|
19.62
|
|
23. Cost of deposits
|
6.46
|
5.58
|
6.21
|
5.2
|
6.15
|
5.2
|
6.25
|
5.3
|
|
24. Cost of borrowings
|
2.13
|
0.72
|
1.07
|
3.16
|
1.84
|
3.81
|
1.44
|
2.11
|
|
25. Cost of funds
|
6.39
|
5.5
|
6.14
|
5.19
|
6.14
|
5.2
|
6
|
5.18
|
|
26. Return on advances
|
9.98
|
8.06
|
9.76
|
8.67
|
10.36
|
9.52
|
8.86
|
7.64
|
|
27. Return on investments
|
10.48
|
9.83
|
9.88
|
9.04
|
10.77
|
9.25
|
10.31
|
10.24
|
|
28. Return on advances adjusted to cost of funds
|
3.59
|
2.56
|
3.61
|
3.47
|
4.22
|
4.32
|
2.86
|
2.46
|
|
29. Return on investments adjusted to cost of funds
|
4.09
|
4.33
|
3.74
|
3.85
|
4.64
|
4.06
|
4.31
|
5.06
|
|
30. Business per employee (in Rs.lakh)
|
222
|
268.7
|
250.1
|
297.6
|
167.9
|
181.51
|
328.6
|
365.6
|
|
31. Profit per employee (in Rs.lakh)
|
1.58
|
2.16
|
2.26
|
2.97
|
0.77
|
1.58
|
4.06
|
4.98
|
|
32. Capital adequacy ratio
|
11.76
|
11.88
|
12.5
|
12.66
|
10.51
|
12.43
|
18.5
|
20.12
|
|
33. Capital adequacy ratio - Tier I
|
5.88
|
7.03
|
7.85
|
7.81
|
5.66
|
6.23
|
17.3
|
16.52
|
|
34. Capital adequacy ratio - Tier II
|
5.88
|
4.85
|
4.65
|
4.85
|
4.85
|
6.2
|
1.2
|
3.6
|
|
35. Ratio of net NPA to net advances
|
4.82
|
2.46
|
3.59
|
2.89
|
6.74
|
5.57
|
1.65
|
1.8
|
|
Source : Compiled from annual accounts of banks of respective
years
|
|
|
|
|
|
|
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS
: 2003 AND 2004
|
|
NATIONALISED BANKS
|
|
|
|
|
|
|
|
|
(per cent)
|
|
|
|
As on March 31
|
|
|
|
|
|
|
Ratios
|
Dena Bank
|
Indian Bank
|
Indian Overseas
Bank
|
Oriental Bank of
Commerce
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(17)
|
(18)
|
(19)
|
(20)
|
(21)
|
(22)
|
(23)
|
(24)
|
|
1. Cash-deposit ratio
|
6.76
|
6.72
|
7.05
|
9.34
|
7.32
|
10.44
|
6.36
|
7.38
|
|
2. Credit-deposit ratio
|
51.15
|
51.29
|
45.44
|
46.4
|
47.54
|
48.92
|
52.59
|
55.17
|
|
3. Investment-deposit ratio
|
51.54
|
53.06
|
54.93
|
54.84
|
50.69
|
48.63
|
49.58
|
47.08
|
|
4. (Credit+Investment)-deposit ratio
|
102.7
|
104.4
|
100.4
|
101.2
|
98.23
|
97.55
|
102.18
|
102.25
|
|
5. Ratio of deposits to total liabilities
|
81.79
|
82.8
|
76.37
|
77.76
|
89.17
|
87.66
|
87.71
|
86.99
|
|
6. Ratio of term deposits to total deposits
|
60.26
|
58.46
|
67.78
|
66.47
|
67.85
|
65.63
|
71.46
|
71.44
|
|
7. Ratio of priority sector advances to total advances
|
37.54
|
40.54
|
33
|
38.2
|
33.52
|
39.13
|
38.45
|
38.05
|
|
8. Ratio of term loan to total advances
|
43.98
|
53.4
|
33.36
|
41.98
|
34.99
|
43.21
|
44.86
|
54.25
|
|
9. Ratio of secured advances to total advances
|
92.5
|
92.59
|
87.47
|
87.26
|
91.24
|
91.7
|
89.41
|
83.87
|
|
10. Ratio of investments in non-approved
securites to total investments
|
25.95
|
18.87
|
12.88
|
13.69
|
14.46
|
14.56
|
28.07
|
23.13
|
|
11. Ratio of interest income to total assets
|
9.09
|
8.2
|
7.71
|
7.16
|
9.1
|
8.49
|
9.95
|
8.8
|
|
12. Ratio of net interest margin to total assets
|
2.91
|
2.8
|
2.5
|
3
|
3.19
|
3.62
|
3.64
|
3.88
|
|
13. Ratio of non-interest income to total assets
|
2.24
|
2.92
|
1.6
|
2.01
|
1.36
|
1.67
|
1.63
|
1.92
|
|
14. Ratio of intemediation cost to total assets
|
2.62
|
2.36
|
2.3
|
2.85
|
2.47
|
2.29
|
1.76
|
1.72
|
|
15. Ratio of wage bills to intemediation cost
|
71.59
|
67.88
|
76.29
|
81.24
|
75.97
|
74.23
|
59.66
|
56.85
|
|
16. Ratio of wage bills to total expense
|
21.34
|
20.63
|
23.35
|
33.03
|
22.41
|
23.77
|
13.01
|
14.72
|
|
17. Ratio of wage bills to total income
|
16.57
|
14.4
|
18.84
|
25.27
|
17.96
|
16.76
|
9.06
|
9.11
|
|
18. Ratio of burden to total assets
|
0.38
|
-0.56
|
0.7
|
0.84
|
1.12
|
0.62
|
0.13
|
-0.21
|
|
19. Ratio of burden to interest income
|
4.19
|
-6.82
|
9.09
|
11.8
|
12.26
|
7.3
|
1.27
|
-2.34
|
|
20. Ratio of operating profits to total assets
|
2.53
|
3.23
|
1.8
|
2.15
|
2.07
|
3
|
3.51
|
4.09
|
|
21. Return on assets
|
0.57
|
1.11
|
0.65
|
1.21
|
1.01
|
1.08
|
1.3
|
1.7
|
|
22. Return on equity
|
11.56
|
19.89
|
4.05
|
7.61
|
32.1
|
28.96
|
24.51
|
28.67
|
|
23. Cost of deposits
|
7.06
|
6.15
|
6.51
|
5.24
|
6.34
|
5.26
|
6.97
|
5.46
|
|
24. Cost of borrowings
|
1.36
|
1.25
|
6.75
|
7.57
|
9.38
|
5.4
|
0.47
|
0.81
|
|
25. Cost of funds
|
6.98
|
6.07
|
6.52
|
5.27
|
6.36
|
5.26
|
6.82
|
5.35
|
|
26. Return on advances
|
10.93
|
9.16
|
9.8
|
8.88
|
10.55
|
9.8
|
10.29
|
9
|
|
27. Return on investments
|
10.36
|
9.52
|
9.96
|
9.23
|
9.88
|
9.38
|
11.25
|
10.35
|
|
28. Return on advances adjusted to cost of funds
|
3.96
|
3.08
|
3.29
|
3.6
|
4.19
|
4.54
|
3.47
|
3.65
|
|
29. Return on investments adjusted to cost of funds
|
3.38
|
3.44
|
3.44
|
3.95
|
3.52
|
4.12
|
4.43
|
4.99
|
|
30. Business per employee (in Rs.lakh)
|
242
|
274
|
174
|
189
|
204.4
|
232.5
|
343
|
416
|
|
31. Profit per employee (in Rs.lakh)
|
1.08
|
2.23
|
0.85
|
1.85
|
1.7
|
2.1
|
3.4
|
5.1
|
|
32. Capital adequacy ratio
|
9.33
|
9.48
|
10.85
|
12.82
|
11.3
|
12.49
|
14.04
|
14.47
|
|
33. Capital adequacy ratio - Tier I
|
5.31
|
5.19
|
7.51
|
7.66
|
5.83
|
6.74
|
10.72
|
9.87
|
|
34. Capital adequacy ratio - Tier II
|
4.02
|
4.29
|
3.34
|
5.16
|
5.47
|
5.75
|
3.32
|
4.6
|
|
35. Ratio of net NPA to net advances
|
11.83
|
9.4
|
6.15
|
2.71
|
5.23
|
2.85
|
1.4
|
0
|
|
Source : Compiled from annual accounts of banks of respective years
|
|
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS
: 2003 AND 2004
|
|
NATIONALISED BANKS
|
|
|
|
|
|
|
|
(in per cent)
|
|
|
|
As on March 31
|
|
|
|
|
|
|
Ratios
|
Punjab & Sind
Bank
|
Punjab National
Bank
|
Syndicate
Bank
|
UCO Bank
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(25)
|
(26)
|
(27)
|
(28)
|
(29)
|
(30)
|
(31)
|
(32)
|
|
1. Cash-deposit ratio
|
6.84
|
7.82
|
8.66
|
7.67
|
5.38
|
10.58
|
6.81
|
5.97
|
|
2. Credit-deposit ratio
|
44.56
|
44.2
|
53.06
|
53.72
|
53.18
|
48.48
|
50.8
|
52.6
|
|
3. Investment-deposit ratio
|
47.17
|
49.67
|
44.89
|
47.92
|
45.08
|
42.07
|
45.1
|
44.9
|
|
4. (Credit+Investment)-deposit ratio
|
91.73
|
93.88
|
97.95
|
101.6
|
98.27
|
90.56
|
95.9
|
97.4
|
|
5. Ratio of deposits to total liabilities
|
91.25
|
90.88
|
87.93
|
85.91
|
89.04
|
90.18
|
89.8
|
89.6
|
|
6. Ratio of term deposits to total deposits
|
63.66
|
58.49
|
53.13
|
54.13
|
60.6
|
66.1
|
65
|
67.6
|
|
7. Ratio of priority sector advances to total advances
|
44.77
|
47.18
|
39.86
|
43.91
|
30.92
|
32.57
|
30.4
|
31.8
|
|
8. Ratio of term loan to total advances
|
40.06
|
41.39
|
40.89
|
47.88
|
43.94
|
42.16
|
42.8
|
49.3
|
|
9. Ratio of secured advances to total advances
|
97
|
96.84
|
92.91
|
89.97
|
77
|
73.98
|
90
|
91.3
|
|
10. Ratio of investments in non-approved
securites to total investments
|
23.24
|
18.32
|
18.46
|
15.94
|
11.53
|
9.23
|
29.1
|
22.2
|
|
11. Ratio of interest income to total assets
|
9.09
|
8.67
|
9.41
|
8.25
|
8.69
|
7.56
|
8.43
|
7.87
|
|
12. Ratio of net interest margin to total assets
|
2.74
|
3.34
|
3.93
|
3.84
|
3.66
|
3.5
|
2.66
|
3.04
|
|
13. Ratio of non-interest income to total assets
|
2.17
|
1.73
|
1.57
|
1.98
|
1.5
|
1.9
|
1.84
|
1.59
|
|
14. Ratio of intemediation cost to total assets
|
2.92
|
4.06
|
2.58
|
2.51
|
3.28
|
2.82
|
2.62
|
2.21
|
|
15. Ratio of wage bills to intemediation cost
|
76.09
|
80.11
|
71.77
|
69.77
|
78.25
|
75.7
|
79.5
|
76.6
|
|
16. Ratio of wage bills to total expense
|
23.96
|
34.68
|
23
|
25.35
|
30.88
|
31.05
|
24.8
|
24.1
|
|
17. Ratio of wage bills to total income
|
19.73
|
31.3
|
16.9
|
17.15
|
25.21
|
22.57
|
20.3
|
17.9
|
|
18. Ratio of burden to total assets
|
0.75
|
2.33
|
1.01
|
0.53
|
1.79
|
0.92
|
0.78
|
0.63
|
|
19. Ratio of burden to interest income
|
8.21
|
26.88
|
10.77
|
6.48
|
20.55
|
12.16
|
9.24
|
7.95
|
|
20. Ratio of operating profits to total assets
|
1.99
|
1.01
|
2.91
|
3.31
|
1.87
|
2.58
|
1.88
|
2.41
|
|
21. Return on assets
|
0.03
|
0.06
|
0.98
|
1.08
|
1.31
|
1.67
|
0.66
|
1.13
|
|
22. Return on equity
|
0.98
|
1.92
|
23.14
|
24.52
|
23.02
|
24.92
|
10.5
|
29.1
|
|
23. Cost of deposits
|
6.66
|
5.63
|
5.95
|
4.8
|
5.51
|
4.42
|
6.32
|
5.18
|
|
24. Cost of borrowings
|
4.11
|
5.8
|
1.41
|
1.37
|
3.39
|
2.47
|
3.97
|
4.53
|
|
25. Cost of funds
|
6.65
|
5.63
|
5.91
|
4.76
|
5.5
|
4.41
|
6.29
|
5.17
|
|
26. Return on advances
|
10.57
|
10.01
|
9.95
|
8.86
|
9.83
|
8.61
|
9.71
|
8.84
|
|
27. Return on investments
|
10.3
|
9.75
|
10.6
|
9.67
|
9.94
|
8.63
|
9.98
|
8.52
|
|
28. Return on advances adjusted to cost of funds
|
3.92
|
4.38
|
4.04
|
4.11
|
4.33
|
4.2
|
3.42
|
3.68
|
|
29. Return on investments adjusted to cost of funds
|
3.65
|
4.12
|
4.68
|
4.91
|
4.44
|
4.21
|
3.7
|
3.36
|
|
30. Business per employee (in Rs.lakh)
|
196.5
|
205.1
|
195.6
|
228
|
180
|
240.3
|
197
|
249
|
|
31. Profit per employee (in Rs.lakh)
|
0.05
|
0.09
|
1.43
|
2
|
1.3
|
1.62
|
1
|
2
|
|
32. Capital adequacy ratio
|
10.43
|
11.06
|
12.02
|
13.1
|
11.03
|
11.49
|
10
|
11.9
|
|
33. Capital adequacy ratio - Tier I
|
6.11
|
6.38
|
7.11
|
7.01
|
7.69
|
6.75
|
5.19
|
6.08
|
|
34. Capital adequacy ratio - Tier II
|
4.32
|
4.68
|
4.91
|
6.09
|
3.34
|
4.74
|
4.85
|
5.8
|
|
35. Ratio of net NPA to net advances
|
10.89
|
9.62
|
3.86
|
0.98
|
4.29
|
2.58
|
4.36
|
3.65
|
|
Source : Compiled from annual accounts of banks of respective years
|