|
|
|
|
|
|
(in per cent)
|
|
|
As on March 31
|
|
|
|
|
|
|
Ratios
|
Union Bank of India
|
United Bank of India
|
Vijaya Bank
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(33)
|
(34)
|
(35)
|
(36)
|
(37)
|
(38)
|
|
1. Cash-deposit ratio
|
5.02
|
4.75
|
8.09
|
4.67
|
6.38
|
4.17
|
|
2. Credit-deposit ratio
|
57.02
|
58.2
|
35
|
34.99
|
46.37
|
52.56
|
|
3. Investment-deposit ratio
|
43.29
|
44.39
|
60.1
|
61.15
|
52.07
|
51.57
|
|
4. (Credit+Investment)-deposit ratio
|
100.31
|
102.6
|
95.1
|
96.14
|
98.43
|
104.1
|
|
5. Ratio of deposits to total liabilities
|
87.64
|
86.7
|
86.7
|
88.06
|
89.21
|
87.3
|
|
6. Ratio of term deposits to total deposits
|
63.78
|
64.22
|
57.3
|
55.17
|
67.8
|
69.18
|
|
7. Ratio of priority sector advances to total advances
|
37.4
|
39.37
|
27.1
|
33.91
|
35.87
|
40.28
|
|
8. Ratio of term loan to total advances
|
33.91
|
38.91
|
47.2
|
57.38
|
44.62
|
51.54
|
|
9. Ratio of secured advances to total advances
|
90.09
|
87.89
|
86.7
|
88.13
|
93.84
|
82.92
|
|
10. Ratio of investments in non-approved
securites to total investments
|
23.99
|
25.94
|
16.9
|
14.24
|
19.27
|
16.14
|
|
11. Ratio of interest income to total assets
|
9.02
|
8.26
|
9.01
|
8.27
|
9.49
|
8.99
|
|
12. Ratio of net interest margin to total assets
|
3.14
|
3.17
|
3.06
|
3.12
|
3.65
|
3.88
|
|
13. Ratio of non-interest income to total assets
|
1.73
|
1.52
|
1.82
|
2.02
|
1.96
|
2.44
|
|
14. Ratio of intemediation cost to total assets
|
2.13
|
1.98
|
2.52
|
2.68
|
3.16
|
2.31
|
|
15. Ratio of wage bills to intemediation cost
|
67.68
|
66.49
|
81.3
|
76.57
|
77.01
|
66.61
|
|
16. Ratio of wage bills to total expense
|
18.01
|
18.66
|
24.2
|
26.21
|
27.08
|
20.72
|
|
17. Ratio of wage bills to total income
|
13.43
|
13.49
|
18.9
|
19.98
|
21.27
|
13.45
|
|
18. Ratio of burden to total assets
|
0.41
|
0.46
|
0.7
|
0.67
|
1.2
|
-0.13
|
|
19. Ratio of burden to interest income
|
4.5
|
5.61
|
7.72
|
8.07
|
12.63
|
-1.44
|
|
20. Ratio of operating profits to total assets
|
2.73
|
2.71
|
2.36
|
2.45
|
2.45
|
4.01
|
|
21. Return on assets
|
1.08
|
1.22
|
1.37
|
1.25
|
1.13
|
1.91
|
|
22. Return on equity
|
23.65
|
|
15.6
|
16.07
|
26.67
|
38.32
|
|
23. Cost of deposits
|
6.37
|
5.52
|
6.77
|
5.82
|
6.25
|
5.53
|
|
24. Cost of borrowings
|
3.07
|
0.45
|
0.42
|
0.72
|
0.94
|
0.3
|
|
25. Cost of funds
|
6.35
|
5.45
|
6.75
|
5.81
|
6.18
|
5.45
|
|
26. Return on advances
|
10.01
|
8.79
|
10.3
|
8.75
|
10.73
|
10.28
|
|
27. Return on investments
|
10.43
|
9.27
|
11
|
9.95
|
10.64
|
9.44
|
|
28. Return on advances adjusted to cost of funds
|
3.66
|
3.34
|
3.5
|
2.95
|
4.55
|
4.83
|
|
29. Return on investments adjusted to cost of funds
|
4.08
|
3.82
|
4.22
|
4.14
|
4.46
|
4
|
|
30. Business per employee (in Rs.lakh)
|
249.7
|
286.5
|
162
|
169
|
193.6
|
249.4
|
|
31. Profit per employee (in Rs.lakh)
|
2.15
|
2.78
|
1.77
|
1.76
|
1.76
|
3.73
|
|
32. Capital adequacy ratio
|
12.41
|
12.32
|
15.2
|
17.04
|
12.66
|
14.11
|
|
33. Capital adequacy ratio - Tier I
|
6.86
|
6.47
|
12.6
|
15.04
|
7.42
|
8.37
|
|
34. Capital adequacy ratio - Tier II
|
5.55
|
5.85
|
2.54
|
2
|
5.24
|
5.74
|
|
35. Ratio of net NPA to net advances
|
4.91
|
2.87
|
5.52
|
3.75
|
2.61
|
0.91
|
|
Source : Compiled from annual accounts of banks of respective years
|
|
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS
: 2003 AND 2004
|
|
FOREIGN BANKS
|
|
|
|
|
|
|
|
|
(in per cent)
|
|
|
As on March 31
|
|
|
|
|
|
|
|
Ratios
|
ABN Amro
Bank
|
Abu-dhabi Commercial
Bank
|
American Express
Bank
|
Antwerp Diamond
Bank
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(1)
|
(2)
|
(3)
|
(4)
|
(5)
|
(6)
|
(7)
|
(8)
|
|
1. Cash-deposit ratio
|
7.27
|
8.69
|
2.5
|
4.53
|
4.12
|
4.9
|
10.82
|
29.61
|
|
2. Credit-deposit ratio
|
108.5
|
114.35
|
15.48
|
9.23
|
49.84
|
45.28
|
475.89
|
669.97
|
|
3. Investment-deposit ratio
|
59.43
|
49.82
|
75.05
|
74.55
|
45.54
|
29.13
|
128.16
|
215.63
|
|
4. (Credit+Investment)-deposit ratio
|
167.9
|
164.16
|
90.52
|
83.78
|
95.37
|
74.4
|
604.05
|
885.6
|
|
5. Ratio of deposits to total liabilities
|
53.52
|
55.2
|
92.64
|
92.82
|
75.31
|
81.93
|
14.93
|
8.85
|
|
6. Ratio of term deposits to total deposits
|
52.6
|
43.75
|
93.48
|
93.06
|
77.14
|
75.3
|
10.73
|
15.55
|
|
7. Ratio of priority sector advances to total advances
|
27.17
|
28.25
|
28.91
|
15.26
|
14.46
|
11.97
|
99.61
|
99.64
|
|
8. Ratio of term loan to total advances
|
27.61
|
31.16
|
15.17
|
17.64
|
39.97
|
34.42
|
0.35
|
0.36
|
|
9. Ratio of secured advances to total advances
|
79.21
|
83.44
|
88.99
|
85.69
|
34.36
|
40.45
|
99.92
|
99.94
|
|
10. Ratio of investments in non-approved
securites to total investments
|
12.78
|
23.48
|
63.2
|
54.34
|
34.39
|
29.06
|
0
|
0
|
|
11. Ratio of interest income to total assets
|
8.82
|
7.62
|
9.83
|
8.45
|
9.53
|
9.31
|
4.61
|
5.43
|
|
12. Ratio of net interest margin to total assets
|
4.35
|
4.49
|
0.88
|
0.84
|
3.25
|
3.87
|
3.37
|
4.01
|
|
13. Ratio of non-interest income to total assets
|
3.01
|
3.8
|
0.62
|
0.43
|
5.95
|
6.7
|
0.33
|
0.92
|
|
14. Ratio of intemediation cost to total assets
|
3.87
|
4.7
|
0.8
|
0.57
|
6
|
7.52
|
2.6
|
1.86
|
|
15. Ratio of wage bills to intemediation cost
|
28.43
|
27.61
|
29.18
|
38.48
|
37.09
|
37.83
|
35.6
|
37.62
|
|
16. Ratio of wage bills to total expense
|
13.19
|
16.59
|
2.4
|
2.67
|
18.13
|
21.97
|
24.09
|
21.27
|
|
17. Ratio of wage bills to total income
|
9.3
|
11.38
|
2.24
|
2.46
|
14.39
|
17.78
|
18.76
|
11
|
|
18. Ratio of burden to total assets
|
0.86
|
0.91
|
0.18
|
0.13
|
0.06
|
0.82
|
2.27
|
0.94
|
|
19. Ratio of burden to interest income
|
9.79
|
11.93
|
1.84
|
1.59
|
0.58
|
8.84
|
49.36
|
17.3
|
|
20. Ratio of operating profits to total assets
|
3.49
|
3.58
|
0.7
|
0.71
|
3.19
|
3.05
|
1.09
|
3.07
|
|
21. Return on assets
|
1.56
|
1.84
|
0.17
|
0.5
|
-0.9
|
-0.69
|
0.36
|
1.18
|
|
22. Return on equity
|
17.15
|
18.66
|
5.21
|
14.33
|
-11.2
|
-9.49
|
0.77
|
4.99
|
|
23. Cost of deposits
|
2.83
|
1.61
|
9.49
|
8.06
|
10.81
|
6.41
|
0.23
|
0.71
|
|
24. Cost of borrowings
|
9.06
|
6.4
|
28.03
|
13.93
|
1.65
|
4.51
|
0.28
|
1.26
|
|
25. Cost of funds
|
4.71
|
3.28
|
9.67
|
8.08
|
7.18
|
6.26
|
0.26
|
1.14
|
|
26. Return on advances
|
9.93
|
7.95
|
13.15
|
10.5
|
13.55
|
15.88
|
3.66
|
5.82
|
|
27. Return on investments
|
8.89
|
8.32
|
10.32
|
9.75
|
9.87
|
8.22
|
1.38
|
7.51
|
|
28. Return on advances adjusted to cost of funds
|
5.21
|
4.67
|
3.48
|
2.43
|
6.37
|
9.62
|
3.4
|
4.68
|
|
29. Return on investments adjusted to cost of funds
|
4.18
|
5.04
|
0.65
|
1.67
|
2.69
|
1.96
|
1.12
|
6.36
|
|
30. Business per employee (in Rs.lakh)
|
784.3
|
891.45
|
2,618.40
|
1,408.00
|
214.9
|
285
|
1,252.55
|
1,723.61
|
|
31. Profit per employee (in Rs.lakh)
|
12.35
|
15.22
|
4.06
|
13
|
-2.08
|
-2
|
5.25
|
32.85
|
|
32. Capital adequacy ratio
|
12.57
|
13.48
|
10.14
|
14.22
|
10.93
|
10.74
|
92.69
|
53.22
|
|
33. Capital adequacy ratio - Tier I
|
10.67
|
11.49
|
9.04
|
12.07
|
10.53
|
10.34
|
62.65
|
36.28
|
|
34. Capital adequacy ratio - Tier II
|
1.9
|
1.99
|
1.1
|
2.15
|
0.4
|
0.4
|
30.04
|
16.94
|
|
35. Ratio of net NPA to net advances
|
1.54
|
0.88
|
9.68
|
27.39
|
8.69
|
5.68
|
0
|
0
|
|
Source : Compiled from annual accounts of banks of respective years
|
|
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS
: 2003 AND 2004
|
|
FOREIGN BANKS
|
|
|
|
|
|
|
|
(in per cent)
|
|
|
|
|
|
As on March 31
|
|
|
|
|
|
|
Ratios
|
Arab Bangladesh
Bank
|
Bank International
Indonesia
|
Bank Muscat
International #
|
Bank of America
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(9)
|
(10)
|
(11)
|
(12)
|
(13)
|
(14)
|
(15)
|
(16)
|
|
1. Cash-deposit ratio
|
1.74
|
2.66
|
5.78
|
15.15
|
3.28
|
0
|
6.8
|
14.59
|
|
2. Credit-deposit ratio
|
37.59
|
38.21
|
204.8
|
26.73
|
72.15
|
0
|
213.47
|
192.5
|
|
3. Investment-deposit ratio
|
19.75
|
32.75
|
186.3
|
96.48
|
36.47
|
0
|
84.18
|
86.93
|
|
4. (Credit+Investment)-deposit ratio
|
57.34
|
70.97
|
391.1
|
123.21
|
108.6
|
0
|
297.65
|
279.43
|
|
5. Ratio of deposits to total liabilities
|
50
|
40.83
|
10.46
|
12.47
|
79.58
|
0
|
31.45
|
31.1
|
|
6. Ratio of term deposits to total deposits
|
33.49
|
42.21
|
75.56
|
62.73
|
94.87
|
0
|
52.09
|
37.57
|
|
7. Ratio of priority sector advances to total advances
|
48.88
|
31.12
|
17.11
|
19.52
|
9.74
|
0
|
24.74
|
31.88
|
|
8. Ratio of term loan to total advances
|
8.22
|
12.06
|
0
|
0
|
68.49
|
0
|
8.07
|
3.55
|
|
9. Ratio of secured advances to total advances
|
100
|
100
|
99.99
|
8.68
|
84.81
|
0
|
58.53
|
47.31
|
|
10. Ratio of investments in non-approved
securites to total investments
|
0
|
19.75
|
15.01
|
0
|
32.12
|
0
|
13.35
|
5.7
|
|
11. Ratio of interest income to total assets
|
4.77
|
4.31
|
4.5
|
3.95
|
10.61
|
0
|
7.07
|
5.59
|
|
12. Ratio of net interest margin to total assets
|
3.98
|
3.62
|
3.43
|
3.16
|
4.71
|
0
|
2.53
|
2.34
|
|
13. Ratio of non-interest income to total assets
|
3.69
|
4.7
|
0.93
|
0.14
|
1.49
|
0
|
1.57
|
1.62
|
|
14. Ratio of intemediation cost to total assets
|
2.28
|
2.06
|
7.29
|
3.25
|
4.67
|
0
|
1.46
|
1.58
|
|
15. Ratio of wage bills to intemediation cost
|
30.16
|
31.4
|
8.58
|
18.58
|
29.34
|
0
|
35.69
|
42.2
|
|
16. Ratio of wage bills to total expense
|
22.41
|
23.58
|
7.48
|
14.95
|
12.95
|
0
|
8.69
|
13.82
|
|
17. Ratio of wage bills to total income
|
8.15
|
7.2
|
11.53
|
14.79
|
11.31
|
0
|
6.04
|
9.25
|
|
18. Ratio of burden to total assets
|
-1.41
|
-2.64
|
6.37
|
3.12
|
3.18
|
0
|
-0.11
|
-0.04
|
|
19. Ratio of burden to interest income
|
-29.49
|
-61.22
|
141.4
|
78.86
|
29.95
|
0
|
-1.58
|
-0.76
|
|
20. Ratio of operating profits to total assets
|
5.38
|
6.26
|
-2.94
|
0.04
|
1.53
|
0
|
2.64
|
2.39
|
|
21. Return on assets
|
2.78
|
3.67
|
3.75
|
-0.33
|
1.95
|
0
|
1.73
|
1.26
|
|
22. Return on equity
|
5.93
|
7.1
|
2.41
|
-0.31
|
0.84
|
0
|
13.69
|
9.6
|
|
23. Cost of deposits
|
1.58
|
1.27
|
6.19
|
4.28
|
3.63
|
0
|
4.76
|
4.12
|
|
24. Cost of borrowings
|
0.72
|
8.64
|
|
3.73
|
144.1
|
0
|
6.04
|
3.88
|
|
25. Cost of funds
|
1.52
|
1.46
|
8.94
|
4.07
|
5.16
|
0
|
5.51
|
3.97
|
|
26. Return on advances
|
9.13
|
8.34
|
9.38
|
10.8
|
15.82
|
0
|
7.4
|
5.15
|
|
27. Return on investments
|
4.55
|
4.48
|
14.76
|
13.64
|
4.94
|
0
|
8.39
|
7.53
|
|
28. Return on advances adjusted to cost of funds
|
7.61
|
6.88
|
0.44
|
6.73
|
10.66
|
0
|
1.89
|
1.17
|
|
29. Return on investments adjusted to cost of funds
|
3.03
|
3.03
|
5.82
|
9.57
|
-0.22
|
0
|
2.89
|
3.55
|
|
30. Business per employee (in Rs.lakh)
|
265.1
|
221.45
|
228.5
|
326.47
|
393
|
0
|
1,862.74
|
1,747.56
|
|
31. Profit per employee (in Rs.lakh)
|
10.5
|
12.9
|
11.98
|
-1.56
|
0.65
|
0
|
32.76
|
24.12
|
|
32. Capital adequacy ratio
|
105.6
|
111.34
|
104
|
133.94
|
20.1
|
0
|
21.08
|
22.92
|
|
33. Capital adequacy ratio - Tier I
|
104.6
|
109.91
|
103.8
|
133.8
|
19.86
|
0
|
13.65
|
15.68
|
|
34. Capital adequacy ratio - Tier II
|
1.01
|
1.43
|
0.21
|
0.14
|
0.24
|
0
|
7.43
|
7.24
|
|
35. Ratio of net NPA to net advances
|
1.55
|
0.37
|
15.2
|
72.15
|
6.95
|
0
|
0.05
|
0
|
|
# : See 'Explanatory Notes'.
|
|
|
|
|
|
|
|
|
|
Source : Compiled from annual accounts of banks of respective years
|
|
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND 2004 |
|
FOREIGN BANKS |
|
|
|
|
|
|
|
|
(in per cent) |
|
|
|
As on March 31 |
|
|
|
|
|
|
Ratios |
Bank of Bahrain & Kuwait |
Bank of Ceylon |
Bank of Nova Scotia |
Bank of Tokyo
-Mitsubishi
|
|
|
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
|
1. Cash-deposit ratio |
3.66 |
4.94 |
8.1 |
19.47 |
4.45 |
6.1 |
6.41 |
5.52 |
|
2. Credit-deposit ratio |
74.08 |
70.11 |
99.12 |
62.24 |
100.71 |
119.19 |
76.01 |
73.86 |
|
3. Investment-deposit ratio |
53.51 |
73.18 |
27.27 |
44.21 |
45.03 |
45.6 |
35.53 |
55.81 |
|
4. (Credit+Investment)-deposit ratio |
127.6 |
143.29 |
126.4 |
106.45 |
145.74 |
164.79 |
111.54 |
129.67 |
|
5. Ratio of deposits to total liabilities |
68.91 |
63.07 |
47.72 |
50.25 |
62.15 |
54.35 |
53.84 |
48.81 |
|
6. Ratio of term deposits to total deposits |
91.66 |
82.7 |
77.77 |
63.48 |
93.1 |
93.21 |
55.82 |
45.41 |
|
7. Ratio of priority sector advances to total advances |
16.1 |
13.72 |
68.47 |
62.84 |
39.62 |
37.2 |
1.32 |
0.83 |
|
8. Ratio of term loan to total advances |
54.33 |
47.18 |
5.77 |
3.4 |
66.76 |
57.06 |
25.27 |
14.19 |
|
9. Ratio of secured advances to total advances |
88.69 |
94.24 |
94.07 |
96.1 |
87.37 |
84.94 |
66.94 |
65.7 |
|
10. Ratio of investments in non-approved
securites to total investments
|
15.76 |
19.67 |
0 |
0 |
12.66 |
4.2 |
2.87 |
99.15 |
|
11. Ratio of interest income to total assets |
8.19 |
5.75 |
7.06 |
5.44 |
8.6 |
5.17 |
9.02 |
6.88 |
|
12. Ratio of net interest margin to total assets |
1.72 |
1.05 |
3.15 |
2.15 |
2.52 |
1.61 |
4.91 |
5.06 |
|
13. Ratio of non-interest income to total assets |
2.22 |
2.09 |
1.09 |
2.64 |
1.52 |
1.8 |
2.44 |
7.03 |
|
14. Ratio of intemediation cost to total assets |
1.71 |
1.91 |
1.59 |
1.63 |
1.2 |
1.18 |
4.34 |
3.63 |
|
15. Ratio of wage bills to intemediation cost |
42.52 |
40.16 |
25.4 |
21.51 |
31.73 |
36.77 |
63.87 |
59.86 |
|
16. Ratio of wage bills to total expense |
8.89 |
11.63 |
7.36 |
7.14 |
5.25 |
9.16 |
32.79 |
39.88 |
|
17. Ratio of wage bills to total income |
6.99 |
9.8 |
4.97 |
4.35 |
3.78 |
6.23 |
24.2 |
15.63 |
|
18. Ratio of burden to total assets |
-0.51 |
-0.18 |
0.5 |
-1 |
-0.31 |
-0.62 |
1.9 |
-3.4 |
|
19. Ratio of burden to interest income |
-6.22 |
-3.05 |
7.08 |
-18.48 |
-3.61 |
-11.96 |
21.1 |
-49.37 |
|
20. Ratio of operating profits to total assets |
2.23 |
1.23 |
2.65 |
3.15 |
2.83 |
2.23 |
3 |
8.46 |
|
21. Return on assets |
1.06 |
0.12 |
0.27 |
0.36 |
0.66 |
0.64 |
2.69 |
6.96 |
|
22. Return on equity |
8.17 |
0.9 |
0.95 |
1.38 |
7.64 |
6.86 |
10.62 |
22.4 |
|
23. Cost of deposits |
7.1 |
5.69 |
7.69 |
6.66 |
8.32 |
5.44 |
5.86 |
2.72 |
|
24. Cost of borrowings |
7.65 |
4.86 |
1.52 |
0.13 |
3.25 |
1.34 |
4.69 |
0.26 |
|
25. Cost of funds |
7.22 |
5.52 |
6.32 |
5.07 |
6.9 |
4.09 |
5.78 |
2.63 |
|
26. Return on advances |
10.49 |
6.32 |
10.12 |
10.93 |
9.51 |
4.88 |
9.34 |
8.19 |
|
27. Return on investments |
8.56 |
6.36 |
12.08 |
6.36 |
8.8 |
7.16 |
9.71 |
6.05 |
|
28. Return on advances adjusted to cost of funds |
3.28 |
0.8 |
3.81 |
5.85 |
2.61 |
0.79 |
3.56 |
5.56 |
|
29. Return on investments adjusted to cost of funds |
1.34 |
0.84 |
5.76 |
1.28 |
1.9 |
3.07 |
3.93 |
3.42 |
|
30. Business per employee (in Rs.lakh) |
787 |
784 |
644.7 |
637 |
1,691.41 |
1,678.52 |
560.87 |
582.27 |
|
31. Profit per employee (in Rs.lakh) |
8 |
1 |
1.8 |
3 |
9.75 |
9.96 |
12.87 |
48.58 |
|
32. Capital adequacy ratio |
17.19 |
21.06 |
32.29 |
45.26 |
13.38 |
13.78 |
30.21 |
32.78 |
|
33. Capital adequacy ratio - Tier I |
16.02 |
19.46 |
31.92 |
44.23 |
12.84 |
13.11 |
20.09 |
22.11 |
|
34. Capital adequacy ratio - Tier II |
1.17 |
1.6 |
0.37 |
1.03 |
0.54 |
0.67 |
10.12 |
10.67 |
|
35. Ratio of net NPA to net advances |
11.26 |
17.73 |
25.98 |
21.85 |
8.64 |
9.07 |
0.09 |
0.1 |
|
Source : Compiled from annual accounts of banks of respective years |
|
|
|
|
|
|
|
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS
: 2003 AND 2004
|
|
FOREIGN BANKS
|
|
|
|
|
|
|
|
(in per cent)
|
|
|
|
As on March 31
|
|
|
|
|
|
|
Ratios
|
Barclays Bank
|
BNP Paribas
|
Calyon Bank
|
Chinatrust Commercial Bank
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(25)
|
(26)
|
(27)
|
(28)
|
(29)
|
(30)
|
(31)
|
(32)
|
|
1. Cash-deposit ratio
|
2.34
|
9.31
|
7.37
|
5.55
|
3.76
|
5.17
|
5.15
|
5.9
|
|
2. Credit-deposit ratio
|
2.13
|
2.86
|
90.07
|
75.69
|
34.02
|
9.37
|
111.89
|
142.92
|
|
3. Investment-deposit ratio
|
449.08
|
499.2
|
58.11
|
57.65
|
53.11
|
66.34
|
64.99
|
39.21
|
|
4. (Credit+Investment)-deposit ratio
|
451.22
|
502.1
|
148.18
|
133.3
|
87.13
|
75.72
|
176.88
|
182.13
|
|
5. Ratio of deposits to total liabilities
|
14.6
|
6.48
|
58.04
|
57.99
|
69.21
|
72.14
|
51.01
|
49.44
|
|
6. Ratio of term deposits to total deposits
|
95.37
|
90.89
|
76.11
|
71.46
|
65.3
|
69.5
|
77.61
|
75.45
|
|
7. Ratio of priority sector advances to total advances
|
2.6
|
0
|
30.99
|
24.98
|
14.59
|
3.67
|
33.01
|
30.25
|
|
8. Ratio of term loan to total advances
|
97.4
|
100
|
49
|
53.89
|
97.3
|
97.4
|
60.93
|
58.87
|
|
9. Ratio of secured advances to total advances
|
83.15
|
81
|
62.25
|
52.83
|
29.83
|
68.03
|
96.69
|
98.34
|
|
10. Ratio of investments in non-approved
securites to total investments
|
27.39
|
25.59
|
24.96
|
12.91
|
26.54
|
35.25
|
33.03
|
15.11
|
|
11. Ratio of interest income to total assets
|
3.75
|
2.86
|
7.72
|
|
6.85
|
6.95
|
11.32
|
9.95
|
|
12. Ratio of net interest margin to total assets
|
1.1
|
2.17
|
2.42
|
2.74
|
1.9
|
2.37
|
7.06
|
6.82
|
|
13. Ratio of non-interest income to total assets
|
12.65
|
11.15
|
1.04
|
1.55
|
0.74
|
-0.78
|
0.99
|
1.06
|
|
14. Ratio of intemediation cost to total assets
|
2.58
|
2.35
|
3.4
|
3.06
|
1.63
|
1.81
|
3.77
|
3.32
|
|
15. Ratio of wage bills to intemediation cost
|
53.06
|
75.81
|
39.65
|
47.53
|
42.67
|
38.22
|
30.3
|
30.72
|
|
16. Ratio of wage bills to total expense
|
26.11
|
58.65
|
15.49
|
22.23
|
10.55
|
10.85
|
14.22
|
15.79
|
|
17. Ratio of wage bills to total income
|
8.33
|
12.71
|
15.4
|
18.69
|
9.13
|
11.25
|
9.27
|
9.25
|
|
18. Ratio of burden to total assets
|
-10.07
|
-8.8
|
2.36
|
1.51
|
0.88
|
2.59
|
2.78
|
2.26
|
|
19. Ratio of burden to interest income
|
-268.5
|
-308
|
30.58
|
24.2
|
12.86
|
37.35
|
24.53
|
22.66
|
|
20. Ratio of operating profits to total assets
|
11.17
|
10.97
|
0.05
|
1.23
|
1.02
|
-0.22
|
4.28
|
4.56
|
|
21. Return on assets
|
3.95
|
5.2
|
-0.53
|
-0.44
|
0.36
|
0.51
|
2.12
|
1.15
|
|
22. Return on equity
|
9.13
|
19.43
|
-6.56
|
-4.42
|
3.22
|
3.04
|
6.83
|
3.45
|
|
23. Cost of deposits
|
7.72
|
1.39
|
7.59
|
4.25
|
1.61
|
0.78
|
5.56
|
5.55
|
|
24. Cost of borrowings
|
3.31
|
3.23
|
3.75
|
3.17
|
14.72
|
36.56
|
6.22
|
1.27
|
|
25. Cost of funds
|
4.81
|
2.57
|
5.96
|
3.94
|
5.65
|
5.62
|
5.65
|
4.79
|
|
26. Return on advances
|
3.69
|
5.03
|
9.63
|
6.74
|
8.53
|
8.08
|
13.08
|
10.38
|
|
27. Return on investments
|
5.86
|
5.65
|
8.21
|
8.45
|
10.67
|
10.91
|
12
|
12.49
|
|
28. Return on advances adjusted to cost of funds
|
-1.12
|
2.47
|
3.67
|
2.8
|
2.88
|
2.46
|
7.43
|
5.59
|
|
29. Return on investments adjusted to cost of funds
|
1.06
|
3.08
|
2.25
|
4.51
|
5.02
|
5.29
|
6.35
|
7.71
|
|
30. Business per employee (in Rs.lakh)
|
323.68
|
270.8
|
978.62
|
921.9
|
1,336.56
|
1,006.21
|
658.05
|
800.45
|
|
31. Profit per employee (in Rs.lakh)
|
85.82
|
211.4
|
-4.03
|
-3.99
|
7
|
8.63
|
12.9
|
7.69
|
|
32. Capital adequacy ratio
|
45.68
|
37.16
|
10.74
|
21.7
|
20.04
|
24.51
|
36.96
|
39.98
|
|
33. Capital adequacy ratio - Tier I
|
43.55
|
34.85
|
6.46
|
13.42
|
18.94
|
23.39
|
35.05
|
37.91
|
|
34. Capital adequacy ratio - Tier II
|
2.13
|
2.31
|
4.28
|
8.28
|
1.1
|
1.12
|
1.91
|
2.07
|
|
35. Ratio of net NPA to net advances
|
0
|
0
|
0
|
0
|
0.51
|
1.01
|
0
|
5.76
|
|
Source : Compiled from annual accounts of banks of respective years
|
|
|
|
|
|
|
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS
: 2003 AND 2004
|
|
FOREIGN BANKS
|
|
|
|
|
|
|
|
|
(in per cent)
|
|
|
|
As on March 31
|
|
|
|
|
|
|
Ratios
|
Chohung Bank
|
Citibank
|
|
Credit Lyonnais
|
DBS Bank
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(33)
|
(34)
|
(35)
|
(36)
|
(37)
|
(38)
|
(39)
|
(40)
|
|
1. Cash-deposit ratio
|
6.22
|
8.47
|
6.95
|
17.09
|
3.27
|
4.14
|
4.75
|
2.85
|
|
2. Credit-deposit ratio
|
134.8
|
74.99
|
71.18
|
74.56
|
66.17
|
54.84
|
154.59
|
28.96
|
|
3. Investment-deposit ratio
|
54.43
|
66.79
|
39.66
|
32.69
|
63.16
|
56.44
|
61.51
|
65.36
|
|
4. (Credit+Investment)-deposit ratio
|
189.3
|
141.8
|
110.83
|
107.25
|
129.33
|
111.28
|
216.1
|
94.32
|
|
5. Ratio of deposits to total liabilities
|
36.49
|
27.69
|
70.3
|
69.15
|
69.08
|
67.3
|
36.93
|
61.64
|
|
6. Ratio of term deposits to total deposits
|
57.21
|
56.57
|
66.63
|
53.85
|
96.16
|
81.43
|
89.99
|
94.35
|
|
7. Ratio of priority sector advances to total advances
|
0
|
0
|
21.25
|
22.51
|
20.75
|
7.78
|
16.16
|
21.29
|
|
8. Ratio of term loan to total advances
|
41.86
|
14.11
|
68.57
|
68.32
|
26.28
|
21.43
|
41.11
|
42.82
|
|
9. Ratio of secured advances to total advances
|
100
|
99.96
|
64.73
|
56.53
|
50.07
|
49.49
|
96.07
|
91.71
|
|
10. Ratio of investments in non-approved
securites to total investments
|
42.8
|
32.68
|
19.28
|
20.72
|
19.29
|
18.28
|
10.49
|
0
|
|
11. Ratio of interest income to total assets
|
9.57
|
5.52
|
8.47
|
8.31
|
8.67
|
7.58
|
8.17
|
6.27
|
|
12. Ratio of net interest margin to total assets
|
6.59
|
4.36
|
4.06
|
4.94
|
1.32
|
1.6
|
4.23
|
3.4
|
|
13. Ratio of non-interest income to total assets
|
2.51
|
2.41
|
3.23
|
3.24
|
2.77
|
2.19
|
1.03
|
0.6
|
|
14. Ratio of intemediation cost to total assets
|
2.25
|
2.03
|
3.58
|
3.68
|
2.62
|
2.26
|
1.83
|
1.48
|
|
15. Ratio of wage bills to intemediation cost
|
30.97
|
28.19
|
22.55
|
24.97
|
43.92
|
50.08
|
46.43
|
50.44
|
|
16. Ratio of wage bills to total expense
|
13.3
|
17.94
|
10.11
|
13.04
|
11.53
|
13.76
|
14.68
|
17.17
|
|
17. Ratio of wage bills to total income
|
5.76
|
7.22
|
6.9
|
7.96
|
10.06
|
11.6
|
9.2
|
10.88
|
|
18. Ratio of burden to total assets
|
-0.26
|
-0.38
|
0.35
|
0.45
|
-0.15
|
0.07
|
0.79
|
0.88
|
|
19. Ratio of burden to interest income
|
-2.75
|
-6.8
|
4.13
|
5.37
|
-1.71
|
0.9
|
9.7
|
14.06
|
|
20. Ratio of operating profits to total assets
|
11.21
|
4.74
|
3.71
|
4.5
|
1.46
|
1.53
|
3.43
|
2.52
|
|
21. Return on assets
|
7.19
|
1.93
|
2.88
|
3.55
|
0.6
|
0.7
|
2.01
|
-1.69
|
|
22. Return on equity
|
20.32
|
6.55
|
20.27
|
23.7
|
4.61
|
4.08
|
8.44
|
-5.44
|
|
23. Cost of deposits
|
6.1
|
1.34
|
5.37
|
4.16
|
9.51
|
8.64
|
2.96
|
3.44
|
|
24. Cost of borrowings
|
8.05
|
0.4
|
3.17
|
2.53
|
8.42
|
2.21
|
6.19
|
8
|
|
25. Cost of funds
|
6.39
|
1.04
|
5.02
|
3.91
|
9.43
|
8.39
|
4.99
|
4.35
|
|
26. Return on advances
|
13.52
|
6.64
|
11.33
|
9.93
|
10.36
|
8.03
|
11.72
|
9.54
|
|
27. Return on investments
|
8.93
|
7.54
|
7.72
|
10.91
|
9.29
|
10.16
|
9.41
|
4.63
|
|
28. Return on advances adjusted to cost of funds
|
7.13
|
5.61
|
6.32
|
6.02
|
0.93
|
-0.36
|
6.73
|
5.19
|
|
29. Return on investments adjusted to cost of funds
|
2.55
|
6.5
|
2.7
|
7
|
-0.14
|
1.77
|
4.43
|
0.28
|
|
30. Business per employee (in Rs.lakh)
|
936.1
|
744.4
|
1,660.19
|
1,666.92
|
1,620.01
|
1,401.56
|
1,315.75
|
1,669.70
|
|
31. Profit per employee (in Rs.lakh)
|
78.56
|
29.62
|
24.26
|
28.33
|
8.39
|
9.41
|
28.1
|
-27.6
|
|
32. Capital adequacy ratio
|
37.17
|
54.43
|
11.3
|
11.11
|
20.9
|
21.7
|
15.98
|
55.49
|
|
33. Capital adequacy ratio - Tier I
|
36.41
|
52.89
|
8.39
|
8.79
|
13
|
13.3
|
15.03
|
54.53
|
|
34. Capital adequacy ratio - Tier II
|
0.76
|
1.54
|
2.91
|
2.32
|
7.9
|
8.4
|
0.95
|
0.96
|
|
35. Ratio of net NPA to net advances
|
4.8
|
0.8
|
1.17
|
1.4
|
3.6
|
2.6
|
10.37
|
0
|
|
Source : Compiled from annual accounts of banks of respective years
|
|
|
|
|
|