|
|
|
|
|
|
|
|
(in per cent)
|
|
|
|
As on March 31
|
|
Ratios
|
Deutsche Bank
|
Hongkong &
Shanghai Banking
|
ING Bank
|
J P Morgan
Chase Bank
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(41)
|
(42)
|
(43)
|
(44)
|
(45)
|
(46)
|
(47)
|
(48)
|
|
1. Cash-deposit ratio
|
8.21
|
13.22
|
7.16
|
4.49
|
30.91
|
0
|
4.23
|
56.47
|
|
2. Credit-deposit ratio
|
82.65
|
82.85
|
64.07
|
59.18
|
285.4
|
0
|
0
|
0
|
|
3. Investment-deposit ratio
|
126.4
|
89.92
|
69.29
|
63.89
|
557.4
|
0
|
285.1
|
75.39
|
|
4. (Credit+Investment)-deposit ratio
|
209.1
|
172.76
|
133.4
|
123.1
|
842.8
|
0
|
285.1
|
75.39
|
|
5. Ratio of deposits to total liabilities
|
33.29
|
29.46
|
61.22
|
64.16
|
5.24
|
0
|
30.19
|
56.95
|
|
6. Ratio of term deposits to total deposits
|
39.41
|
40.95
|
66.1
|
53.77
|
96.13
|
0
|
52.47
|
79.51
|
|
7. Ratio of priority sector advances to total advances
|
21.44
|
23.49
|
15.91
|
14.72
|
0
|
0
|
0
|
0
|
|
8. Ratio of term loan to total advances
|
7.58
|
4.42
|
36.73
|
40.7
|
77.35
|
100
|
0
|
0
|
|
9. Ratio of secured advances to total advances
|
60.26
|
62.09
|
74.31
|
68.72
|
70.81
|
100
|
0
|
0
|
|
10. Ratio of investments in non-approved
securites to total investments
|
11.61
|
10.74
|
18.58
|
14.4
|
0
|
100
|
3.87
|
6.3
|
|
11. Ratio of interest income to total assets
|
5.86
|
4.17
|
7.39
|
6.11
|
5.84
|
1.09
|
4.78
|
5.74
|
|
12. Ratio of net interest margin to total assets
|
2.73
|
1.01
|
3.01
|
2.99
|
1.19
|
0.29
|
3.53
|
4.35
|
|
13. Ratio of non-interest income to total assets
|
6.28
|
8.38
|
2.41
|
3.05
|
2.19
|
1.9
|
4.38
|
3.18
|
|
14. Ratio of intemediation cost to total assets
|
2.89
|
2.38
|
3.07
|
2.7
|
6.27
|
1.77
|
2.72
|
3.57
|
|
15. Ratio of wage bills to intemediation cost
|
37.54
|
37
|
38.12
|
37.08
|
57.99
|
14.49
|
57.24
|
53.38
|
|
16. Ratio of wage bills to total expense
|
18.04
|
15.89
|
15.69
|
17.18
|
33.32
|
9.96
|
39.26
|
38.39
|
|
17. Ratio of wage bills to total income
|
8.95
|
7.02
|
11.94
|
10.92
|
45.33
|
8.58
|
17.01
|
21.36
|
|
18. Ratio of burden to total assets
|
-3.39
|
-5.99
|
0.66
|
-0.35
|
4.09
|
-0.13
|
-1.66
|
0.39
|
|
19. Ratio of burden to interest income
|
-57.8
|
-143.82
|
8.95
|
-5.74
|
70.01
|
-11.8
|
-34.71
|
6.79
|
|
20. Ratio of operating profits to total assets
|
6.12
|
7
|
2.35
|
2.49
|
-2.89
|
0.41
|
5.19
|
3.96
|
|
21. Return on assets
|
2.92
|
3.17
|
0.8
|
0.91
|
-8.41
|
-0.05
|
3.1
|
2.34
|
|
22. Return on equity
|
22.14
|
31.04
|
8.52
|
8.33
|
-40.51
|
-0.07
|
9.38
|
7.62
|
|
23. Cost of deposits
|
2.39
|
1.48
|
4.76
|
3.45
|
6.21
|
22.31
|
2.25
|
2.29
|
|
24. Cost of borrowings
|
5.26
|
5.25
|
7.41
|
6.67
|
6.6
|
0
|
1.38
|
1.22
|
|
25. Cost of funds
|
3.87
|
3.83
|
5.32
|
3.98
|
6.43
|
2.16
|
1.79
|
1.98
|
|
26. Return on advances
|
8.52
|
5.01
|
9.6
|
8.4
|
13.37
|
6.21
|
0
|
0
|
|
27. Return on investments
|
7.38
|
6.14
|
8.78
|
6.58
|
6.61
|
0.6
|
4.93
|
7.87
|
|
28. Return on advances adjusted to cost of funds
|
4.65
|
1.17
|
4.28
|
4.42
|
6.93
|
4.05
|
0
|
0
|
|
29. Return on investments adjusted to cost of funds
|
3.51
|
2.31
|
3.46
|
2.6
|
0.17
|
-1.56
|
3.15
|
5.9
|
|
30. Business per employee (in Rs.lakh)
|
894.2
|
1,099.23
|
622.8
|
820.9
|
299.1
|
0
|
364.08
|
259.3
|
|
31. Profit per employee (in Rs.lakh)
|
43.31
|
65.23
|
4.5
|
6.32
|
-50.62
|
-5.21
|
37.37
|
28.74
|
|
32. Capital adequacy ratio
|
17.35
|
14.42
|
18.1
|
14.54
|
20.72
|
56.91
|
72.95
|
34.83
|
|
33. Capital adequacy ratio - Tier I
|
15.16
|
9.32
|
14.5
|
11.17
|
20.54
|
56.91
|
69.97
|
32.99
|
|
34. Capital adequacy ratio - Tier II
|
2.19
|
5.1
|
3.6
|
3.37
|
0.18
|
0
|
2.98
|
1.84
|
|
35. Ratio of net NPA to net advances
|
32.1
|
0
|
1.03
|
0.7
|
0
|
0.09
|
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 |
Krung Thai
Bank
|
Mashreq
Bank
|
Mizuho Corporate
Bank
|
Oman International
Bank
|
|
|
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
|
1. Cash-deposit ratio |
4.02 |
4.96 |
3.43 |
3.57 |
1.83 |
10.01 |
7.53 |
8.3 |
|
2. Credit-deposit ratio |
72.8 |
93.91 |
13.91 |
6.24 |
131.34 |
354.73 |
7.82 |
6.09 |
|
3. Investment-deposit ratio |
47.88 |
51.19 |
78.78 |
73.9 |
45.49 |
63.55 |
30.98 |
49.48 |
|
4. (Credit+Investment)-deposit ratio |
120.7 |
145.1 |
92.69 |
80.14 |
176.83 |
418.28 |
38.8 |
55.57 |
|
5. Ratio of deposits to total liabilities |
28.95 |
28.87 |
81.2 |
81.29 |
45.76 |
17.49 |
62.27 |
54.12 |
|
6. Ratio of term deposits to total deposits |
24.49 |
43.82 |
92.26 |
92.2 |
95.99 |
73.45 |
87.73 |
80.11 |
|
7. Ratio of priority sector advances to total advances |
11.89 |
34.65 |
56.89 |
60.05 |
6.9 |
0.31 |
38.15 |
35.53 |
|
8. Ratio of term loan to total advances |
0 |
6.35 |
9.94 |
11.3 |
9.86 |
11.01 |
48.07 |
22.57 |
|
9. Ratio of secured advances to total advances |
88.11 |
87.77 |
81.5 |
70.5 |
86.57 |
84.8 |
93.09 |
100 |
|
10. Ratio of investments in non-approved
securites to total investments
|
18.25 |
16.57 |
64.88 |
62.51 |
4.62 |
0 |
0 |
0 |
|
11. Ratio of interest income to total assets |
7.66 |
5.86 |
10.11 |
9.71 |
7.84 |
6.63 |
3.82 |
3.84 |
|
12. Ratio of net interest margin to total assets |
7.29 |
5.35 |
2.84 |
2.33 |
2.48 |
4.38 |
-1.59 |
-0.34 |
|
13. Ratio of non-interest income to total assets |
0.48 |
0.28 |
2.11 |
0.69 |
1.13 |
1.01 |
1.61 |
1.21 |
|
14. Ratio of intemediation cost to total assets |
4.71 |
3.97 |
1.7 |
1.24 |
2.47 |
2.53 |
1.27 |
1.03 |
|
15. Ratio of wage bills to intemediation cost |
21.26 |
24.09 |
24.04 |
29.29 |
41.81 |
44.23 |
42.05 |
27.12 |
|
16. Ratio of wage bills to total expense |
19.71 |
21.38 |
4.55 |
4.22 |
13.19 |
23.42 |
7.97 |
5.37 |
|
17. Ratio of wage bills to total income |
12.32 |
15.57 |
3.34 |
3.5 |
11.51 |
14.63 |
9.8 |
5.54 |
|
18. Ratio of burden to total assets |
4.24 |
3.69 |
-0.41 |
0.55 |
1.34 |
1.51 |
-0.35 |
-0.18 |
|
19. Ratio of burden to interest income |
55.32 |
62.92 |
-4.08 |
5.67 |
17.09 |
22.85 |
-9.1 |
-4.76 |
|
20. Ratio of operating profits to total assets |
3.05 |
1.67 |
3.26 |
1.78 |
1.14 |
2.87 |
-1.25 |
-0.16 |
|
21. Return on assets |
-0.73 |
1.37 |
3.24 |
1.76 |
0.31 |
2.41 |
2.19 |
0.49 |
|
22. Return on equity |
-1.04 |
2 |
27.48 |
11.64 |
1.28 |
6.04 |
-6.83 |
-1.36 |
|
23. Cost of deposits |
1.54 |
1.73 |
9.04 |
9.05 |
7.57 |
2.71 |
7.92 |
6.68 |
|
24. Cost of borrowings |
0 |
0.52 |
1.92 |
3.03 |
3.93 |
4.07 |
9.77 |
4.82 |
|
25. Cost of funds |
1.83 |
1.71 |
8.37 |
8.98 |
6.08 |
3.33 |
8.02 |
6.51 |
|
26. Return on advances |
7.7 |
9.81 |
18.07 |
21.79 |
9.13 |
7.47 |
7.14 |
6.09 |
|
27. Return on investments |
9.24 |
6.91 |
9.71 |
11.02 |
7.79 |
5.52 |
8.32 |
7.31 |
|
28. Return on advances adjusted to cost of funds |
5.88 |
8.09 |
9.7 |
12.81 |
3.05 |
4.14 |
-0.88 |
-0.42 |
|
29. Return on investments adjusted to cost of funds |
7.42 |
5.2 |
1.34 |
2.04 |
1.71 |
2.19 |
0.31 |
0.8 |
|
30. Business per employee (in Rs.lakh) |
251.7 |
291.03 |
820.5 |
865.85 |
486.66 |
527.8 |
1,355.31 |
1,233.79 |
|
31. Profit per employee (in Rs.lakh) |
-3.66 |
7.12 |
65.82 |
50.53 |
2.21 |
16.06 |
-26.81 |
-5.61 |
|
32. Capital adequacy ratio |
119.9 |
115.98 |
39.38 |
54.71 |
18.5 |
36.09 |
14.62 |
16.48 |
|
33. Capital adequacy ratio - Tier I |
118.4 |
114.54 |
37.42 |
53.15 |
18.19 |
35.41 |
14.18 |
16.25 |
|
34. Capital adequacy ratio - Tier II |
1.45 |
1.44 |
1.96 |
1.56 |
0.31 |
0.68 |
0.44 |
0.23 |
|
35. Ratio of net NPA to net advances |
0 |
0 |
0 |
0 |
0.76 |
0 |
41.15 |
61.37 |
|
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 |
Oversea Chinese
Bank #
|
Societe
Generale
|
Sonali Bank |
Standard
Chartered Bank
|
|
|
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(57) |
(58) |
(59) |
(60) |
(61) |
(62) |
(63) |
(64) |
|
1. Cash-deposit ratio |
21,228.57 |
0 |
9 |
5.37 |
10.9 |
11.52 |
6.43 |
5.19 |
|
2. Credit-deposit ratio |
426,900.00 |
0 |
67.87 |
41.42 |
21.36 |
19.7 |
72.44 |
80.97 |
|
3. Investment-deposit ratio |
142,657.14 |
0 |
215.9 |
111.38 |
18.68 |
22.1 |
56.79 |
50.52 |
|
4. (Credit+Investment)-deposit ratio |
569,557.14 |
0 |
283.8 |
152.79 |
40.04 |
41.8 |
129.23 |
131.5 |
|
5. Ratio of deposits to total liabilities |
0 |
0 |
22.89 |
56.18 |
77.71 |
80.85 |
61.42 |
58.08 |
|
6. Ratio of term deposits to total deposits |
0 |
0 |
84.44 |
93.04 |
20.46 |
21.62 |
63.19 |
55.17 |
|
7. Ratio of priority sector advances to total advances |
0 |
0 |
17.17 |
13.26 |
7.94 |
1.82 |
21.21 |
24.61 |
|
8. Ratio of term loan to total advances |
0 |
0 |
12.31 |
54.86 |
0 |
0 |
61.36 |
45.56 |
|
9. Ratio of secured advances to total advances |
38.15 |
0 |
80.21 |
74.8 |
37.2 |
39.52 |
62.77 |
68.58 |
|
10. Ratio of investments in non-approved
securites to total investments
|
0 |
0 |
22.16 |
3.27 |
17.19 |
29.87 |
35.69 |
30.31 |
|
11. Ratio of interest income to total assets |
5.36 |
0 |
5.65 |
4.58 |
4.09 |
3.82 |
9.48 |
7.93 |
|
12. Ratio of net interest margin to total assets |
5.36 |
0 |
1.96 |
2.13 |
1.13 |
1.38 |
4.7 |
4.56 |
|
13. Ratio of non-interest income to total assets |
0.15 |
0 |
1.61 |
3.11 |
7.3 |
11.77 |
2.32 |
2.2 |
|
14. Ratio of intemediation cost to total assets |
5.96 |
0 |
3 |
2.28 |
6.21 |
6.99 |
2.4 |
2.43 |
|
15. Ratio of wage bills to intemediation cost |
32.86 |
0 |
47.29 |
43.79 |
54.21 |
53.47 |
28.51 |
28.44 |
|
16. Ratio of wage bills to total expense |
32.81 |
0 |
21.27 |
21.13 |
36.73 |
39.67 |
9.53 |
11.94 |
|
17. Ratio of wage bills to total income |
35.5 |
0 |
19.57 |
12.98 |
29.58 |
23.97 |
5.8 |
6.84 |
|
18. Ratio of burden to total assets |
5.81 |
0 |
1.39 |
-0.83 |
-1.09 |
-4.78 |
0.08 |
0.24 |
|
19. Ratio of burden to interest income |
108.26 |
0 |
24.61 |
-18.19 |
-26.6 |
-125.4 |
0.81 |
3 |
|
20. Ratio of operating profits to total assets |
-0.45 |
0 |
0.58 |
2.97 |
2.21 |
6.17 |
4.6 |
4.33 |
|
21. Return on assets |
0 |
0 |
-1.44 |
2.14 |
1.23 |
3.34 |
2.92 |
1.74 |
|
22. Return on equity |
-0.25 |
0 |
-8.52 |
10.34 |
11.13 |
25.41 |
39.26 |
21.56 |
|
23. Cost of deposits |
1.38 |
0 |
4.91 |
2.46 |
2.75 |
2.02 |
6.65 |
3.77 |
|
24. Cost of borrowings |
0 |
0 |
4.64 |
4.41 |
0.64 |
0 |
4.13 |
3.83 |
|
25. Cost of funds |
1.42 |
0 |
4.73 |
3.31 |
2.74 |
2.02 |
5.75 |
3.78 |
|
26. Return on advances |
0 |
0 |
8.84 |
5.08 |
7.57 |
8.85 |
13.23 |
10.47 |
|
27. Return on investments |
10.88 |
0 |
6.39 |
5.06 |
12.89 |
8.55 |
8.8 |
8.8 |
|
28. Return on advances adjusted to cost of funds |
-1.42 |
0 |
4.11 |
1.77 |
4.83 |
6.83 |
7.49 |
6.69 |
|
29. Return on investments adjusted to cost of funds |
9.46 |
0 |
1.66 |
1.76 |
10.15 |
6.53 |
3.05 |
5.02 |
|
30. Business per employee (in Rs.lakh) |
99.63 |
0 |
351.5 |
1,017.00 |
76.62 |
74.54 |
840.54 |
780.1 |
|
31. Profit per employee (in Rs.lakh) |
0 |
0 |
-13.6 |
25.4 |
1.05 |
2.57 |
25.15 |
13.4 |
|
32. Capital adequacy ratio |
385.49 |
0 |
32.63 |
32.71 |
46.86 |
60.55 |
10.56 |
10.87 |
|
33. Capital adequacy ratio - Tier I |
384.84 |
0 |
31.19 |
30.2 |
46.42 |
59.94 |
6.81 |
7.11 |
|
34. Capital adequacy ratio - Tier II |
0.65 |
0 |
1.44 |
2.51 |
0.44 |
0.61 |
3.75 |
3.76 |
|
35. Ratio of net NPA to net advances |
100 |
0 |
0 |
1.37 |
6.77 |
1.47 |
0.31 |
0.52 |
|
# : 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 |
|
|
|
|
|
|
|
|
(per cent) |
|
|
As on March 31 |
|
|
Ratios |
State Bank of
Mauritius
|
Sumitomo Mitsui
Bank
|
Toronto-Dominion
Bank #
|
UFJ Bank |
|
|
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(65) |
(66) |
(67) |
(68) |
(69) |
(70) |
(71) |
(72) |
|
1. Cash-deposit ratio |
6.12 |
6.03 |
35.95 |
15.04 |
0 |
0 |
10.81 |
10.61 |
|
2. Credit-deposit ratio |
159.07 |
145.86 |
186.8 |
132.1 |
0 |
0 |
150.49 |
153.65 |
|
3. Investment-deposit ratio |
67.86 |
62.14 |
122.17 |
132.49 |
0 |
0 |
65.13 |
73.78 |
|
4. (Credit+Investment)-deposit ratio |
226.93 |
208 |
308.97 |
264.59 |
0 |
0 |
215.62 |
227.42 |
|
5. Ratio of deposits to total liabilities |
38.96 |
41.38 |
25.8 |
24.89 |
0 |
0 |
32.06 |
19.24 |
|
6. Ratio of term deposits to total deposits |
87.26 |
91.18 |
43.66 |
46.26 |
0 |
0 |
70.52 |
51.57 |
|
7. Ratio of priority sector advances to total advances |
15.48 |
18.8 |
28.83 |
15.14 |
0 |
0 |
14.58 |
17.07 |
|
8. Ratio of term loan to total advances |
56.17 |
71.87 |
1.49 |
72.21 |
100 |
0 |
18.47 |
17.85 |
|
9. Ratio of secured advances to total advances |
79.12 |
74.15 |
83.68 |
78.9 |
100 |
0 |
89.87 |
97.31 |
|
10. Ratio of investments in non-approved
securites to total investments
|
23.22 |
7.76 |
38.24 |
38.93 |
0 |
0 |
26.64 |
44.8 |
|
11. Ratio of interest income to total assets |
6.23 |
7.05 |
9.43 |
7.61 |
8.62 |
0 |
6.32 |
4.9 |
|
12. Ratio of net interest margin to total assets |
2.55 |
3.1 |
4.93 |
5.55 |
8.59 |
0 |
3.49 |
4.24 |
|
13. Ratio of non-interest income to total assets |
2.89 |
3.44 |
1.17 |
1.04 |
-0.25 |
0 |
0.83 |
1.12 |
|
14. Ratio of intemediation cost to total assets |
1.23 |
1.12 |
2.11 |
2.42 |
4.08 |
0 |
1.72 |
1.76 |
|
15. Ratio of wage bills to intemediation cost |
32.57 |
34.94 |
32.02 |
41.66 |
42.84 |
0 |
29.49 |
32.1 |
|
16. Ratio of wage bills to total expense |
8.18 |
7.71 |
10.21 |
22.53 |
42.57 |
0 |
11.15 |
23.32 |
|
17. Ratio of wage bills to total income |
4.41 |
3.73 |
6.37 |
11.68 |
20.87 |
0 |
7.1 |
9.38 |
|
18. Ratio of burden to total assets |
-1.65 |
-2.33 |
0.94 |
1.38 |
4.33 |
0 |
0.89 |
0.64 |
|
19. Ratio of burden to interest income |
-26.55 |
-33 |
9.98 |
18.2 |
50.2 |
0 |
14.14 |
12.99 |
|
20. Ratio of operating profits to total assets |
4.2 |
5.42 |
3.99 |
4.17 |
4.27 |
0 |
2.6 |
3.6 |
|
21. Return on assets |
1.18 |
1.33 |
0.2 |
-13.71 |
1.45 |
0 |
0.31 |
1.75 |
|
22. Return on equity |
3.7 |
4.88 |
-26.7 |
-41.57 |
1.5 |
0 |
0.76 |
2.7 |
|
23. Cost of deposits |
7.2 |
5.62 |
5.98 |
3.13 |
0 |
0 |
5.33 |
2.22 |
|
24. Cost of borrowings |
2.37 |
5.8 |
6.79 |
4.56 |
0 |
0 |
3.96 |
0.48 |
|
25. Cost of funds |
5.4 |
5.69 |
6.45 |
3.87 |
0 |
0 |
4.95 |
1.8 |
|
26. Return on advances |
6.88 |
6.33 |
13.33 |
10.83 |
23.8 |
0 |
7.2 |
6.91 |
|
27. Return on investments |
7.43 |
10.55 |
7.27 |
6.01 |
9.68 |
0 |
7.59 |
4.74 |
|
28. Return on advances adjusted to cost of funds |
1.48 |
0.63 |
6.88 |
6.96 |
0 |
0 |
2.25 |
5.11 |
|
29. Return on investments adjusted to cost of funds |
2.02 |
4.86 |
0.82 |
2.13 |
0 |
0 |
2.63 |
2.94 |
|
30. Business per employee (in Rs.lakh) |
1,124.00 |
1,523.00 |
447.18 |
297.32 |
256.61 |
0 |
892.4 |
535.72 |
|
31. Profit per employee (in Rs.lakh) |
12 |
20 |
0.15 |
-70.55 |
15.53 |
0 |
3.06 |
17.35 |
|
32. Capital adequacy ratio |
31.74 |
35.08 |
35.49 |
52.3 |
324.62 |
0 |
67.68 |
121.69 |
|
33. Capital adequacy ratio - Tier I |
31.13 |
33.73 |
27.73 |
42.85 |
323.44 |
0 |
67.07 |
120.61 |
|
34. Capital adequacy ratio - Tier II |
0.61 |
1.35 |
7.76 |
9.45 |
1.18 |
0 |
0.61 |
1.08 |
|
35. Ratio of net NPA to net advances |
14.2 |
4.64 |
19.81 |
12.78 |
0 |
0 |
8.58 |
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 |
|
OTHER SCHEDULED COMMERCIAL BANKS |
|
|
|
|
|
|
|
(per cent) |
|
|
|
As on March 31 |
|
Rat65 |
Bank of Punjab |
Bank
of Rajasthan
|
Bharat
Overseas Bank
|
Catholic
Syrian Bank
|
|
|
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
|
1. Cash-deposit ratio |
11.31 |
7.8 |
7.15 |
4.4 |
4.33 |
5.12 |
6.09 |
4.33 |
|
2. Credit-deposit ratio |
50.06 |
56.89 |
41.92 |
32.8 |
53.65 |
56.3 |
42 |
48.92 |
|
3. Investment-deposit ratio |
41.37 |
38 |
49.87 |
58.8 |
37.78 |
37.9 |
51.6 |
46.87 |
|
4. (Credit+Investment)-deposit ratio |
91.43 |
94.89 |
91.78 |
91.6 |
91.44 |
94.2 |
93.6 |
95.79 |
|
5. Ratio of deposits to total liabilities |
83.74 |
85.48 |
86.45 |
87.6 |
88.07 |
87.7 |
90.8 |
90.09 |
|
6. Ratio of term deposits to total deposits |
68.34 |
61.56 |
63.93 |
70.2 |
78.15 |
74.7 |
77.6 |
73.68 |
|
7. Ratio of priority sector advances to total advances |
15.79 |
18.85 |
22.33 |
32.1 |
22.71 |
21 |
20.8 |
26.89 |
|
8. Ratio of term loan to total advances |
58.45 |
58.63 |
42.81 |
46.7 |
27.59 |
35.4 |
44.3 |
49.54 |
|
9. Ratio of secured advances to total advances |
88.94 |
89.52 |
88.47 |
93.2 |
87.51 |
88.3 |
95.7 |
95.94 |
|
10. Ratio of investments in non-approved
securites to total investments
|
25.79 |
27.54 |
21.01 |
13.2 |
27.49 |
29.5 |
12.9 |
11.08 |
|
11. Ratio of interest income to total assets |
8.65 |
7.45 |
8.65 |
6.9 |
7.74 |
7.55 |
9.45 |
8.74 |
|
12. Ratio of net interest margin to total assets |
2.42 |
2.81 |
3.31 |
2.6 |
2.66 |
3.25 |
2.44 |
2.99 |
|
13. Ratio of non-interest income to total assets |
3.3 |
2.9 |
2.31 |
2.43 |
1.58 |
1.2 |
3.41 |
2.91 |
|
14. Ratio of intemediation cost to total assets |
3.06 |
3.45 |
2.9 |
2.49 |
2.07 |
2.29 |
2.8 |
2.88 |
|
15. Ratio of wage bills to intemediation cost |
13.28 |
13.2 |
65.43 |
64 |
45.64 |
46 |
75.6 |
72.1 |
|
16. Ratio of wage bills to total expense |
4.37 |
5.63 |
23.05 |
23.5 |
13.22 |
16 |
21.6 |
24.08 |
|
17. Ratio of wage bills to total income |
3.4 |
4.41 |
17.33 |
17.1 |
10.15 |
12 |
16.5 |
17.84 |
|
18. Ratio of burden to total assets |
-0.24 |
0.55 |
0.59 |
0.06 |
0.49 |
1.08 |
-0.61 |
-0.03 |
|
19. Ratio of burden to interest income |
-2.79 |
7.41 |
6.83 |
0.9 |
6.38 |
14.4 |
-6.44 |
-0.29 |
|
20. Ratio of operating profits to total assets |
2.66 |
2.26 |
2.72 |
2.54 |
2.17 |
2.16 |
3.05 |
3.02 |
|
21. Return on assets |
0.79 |
0.85 |
1.12 |
0.82 |
1.17 |
1.25 |
1.17 |
1.31 |
|
22. Return on equity |
15.69 |
16.15 |
26.37 |
22.5 |
21.66 |
22.5 |
36.9 |
33.83 |
|
23. Cost of deposits |
6.74 |
4.98 |
6.21 |
4.86 |
5.66 |
4.76 |
7.52 |
6.2 |
|
24. Cost of borrowings |
10.93 |
5.68 |
7.61 |
0.96 |
2.56 |
5.16 |
3.74 |
1.84 |
|
25. Cost of funds |
6.86 |
5 |
6.21 |
4.8 |
5.56 |
4.76 |
7.51 |
6.19 |
|
26. Return on advances |
10.35 |
8.66 |
10.14 |
8.48 |
8.93 |
8.27 |
11.6 |
10.24 |
|
27. Return on investments |
11.33 |
9.62 |
10.23 |
8.04 |
9.55 |
9.48 |
10.9 |
9.53 |
|
28. Return on advances adjusted to cost of funds |
3.48 |
3.66 |
3.93 |
3.68 |
3.37 |
3.5 |
4.05 |
4.05 |
|
29. Return on investments adjusted to cost of funds |
4.46 |
4.62 |
4.02 |
3.24 |
3.99 |
4.72 |
|
3.34 |
|
30. Business per employee (in Rs.lakh) |
465.18 |
445 |
164.64 |
200 |
317 |
370 |
165 |
182.16 |
|
31. Profit per employee (in Rs.lakh) |
2.75 |
3 |
1.63 |
1.67 |
2.77 |
3.41 |
1.57 |
1.96 |
|
32. Capital adequacy ratio |
13.59 |
12.64 |
11.29 |
11.2 |
13.87 |
16.3 |
9.66 |
11.23 |
|
33. Capital adequacy ratio - Tier I |
8.47 |
7.74 |
8.92 |
8.35 |
10.55 |
9.76 |
6.32 |
6.95 |
|
34. Capital adequacy ratio - Tier II |
5.12 |
4.9 |
2.37 |
2.83 |
3.32 |
6.49 |
3.34 |
4.28 |
|
35. Ratio of net NPA to net advances |
7.17 |
4.69 |
6.8 |
2.99 |
3.31 |
2.26 |
7.9 |
4.65 |
|
Source : Compiled from annual accounts of banks of respective years |
|
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS
: 2003 AND 2004
|
|
OTHER SCHEDULED COMMERCIAL BANKS
|
|
|
As on March 31
|
|
|
|
|
|
|
|
Centurion
Bank
|
City Union
Bank
|
Development
Credit Bank
|
Dhanalakshmi
Bank
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(9)
|
(10)
|
(11)
|
(12)
|
(13)
|
(14)
|
(15)
|
(16)
|
|
1. Cash-deposit ratio
|
7.76
|
8.62
|
6.63
|
7.13
|
6.65
|
6.19
|
6.97
|
6.66
|
|
2. Credit-deposit ratio
|
46.34
|
51.39
|
52.41
|
54.34
|
68.04
|
54.52
|
58.79
|
52.82
|
|
3. Investment-deposit ratio
|
35.25
|
33.15
|
47.43
|
44.93
|
33.46
|
46.58
|
36.73
|
41.51
|
|
4. (Credit+Investment)-deposit ratio
|
81.59
|
84.54
|
99.84
|
99.27
|
101.5
|
101.1
|
95.52
|
94.33
|
|
5. Ratio of deposits to total liabilities
|
83.73
|
85.35
|
88.13
|
89.2
|
82.9
|
82.97
|
87.26
|
88.18
|
|
6. Ratio of term deposits to total deposits
|
78.88
|
72.55
|
79.29
|
79.49
|
83.02
|
81.21
|
75.6
|
75.13
|
|
7. Ratio of priority sector advances to total advances
|
23.71
|
28.83
|
38.92
|
38.49
|
31.8
|
35.07
|
25.05
|
27.19
|
|
8. Ratio of term loan to total advances
|
65.75
|
76.35
|
29.17
|
29.12
|
53.4
|
70.91
|
35.03
|
34.37
|
|
9. Ratio of secured advances to total advances
|
87.92
|
93.54
|
94.87
|
96.75
|
89.9
|
83.18
|
85.28
|
87.16
|
|
10. Ratio of investments in non-approved
securites to total investments
|
10.54
|
3.11
|
8.81
|
7.52
|
14.92
|
15.52
|
22.31
|
13.92
|
|
11. Ratio of interest income to total assets
|
9.86
|
9.63
|
9.61
|
9.49
|
8.35
|
7.19
|
9.48
|
8.4
|
|
12. Ratio of net interest margin to total assets
|
2.71
|
3.75
|
2.73
|
3.31
|
1.66
|
1.95
|
2.67
|
3.05
|
|
13. Ratio of non-interest income to total assets
|
2.12
|
1.82
|
2.22
|
2.28
|
2.01
|
1.8
|
3.51
|
2.56
|
|
14. Ratio of intemediation cost to total assets
|
4.25
|
5.22
|
1.64
|
1.54
|
2.29
|
2.65
|
3
|
2.66
|
|
15. Ratio of wage bills to intemediation cost
|
15.49
|
17.3
|
58.91
|
55.53
|
43.05
|
42.59
|
65.7
|
63.31
|
|
16. Ratio of wage bills to total expense
|
5.78
|
8.13
|
11.36
|
11.1
|
10.96
|
14.31
|
20.09
|
21.05
|
|
17. Ratio of wage bills to total income
|
5.5
|
7.89
|
8.19
|
7.28
|
9.5
|
12.56
|
15.17
|
15.4
|
|
18. Ratio of burden to total assets
|
2.13
|
3.4
|
-0.57
|
-0.74
|
0.27
|
0.85
|
-0.51
|
0.11
|
|
19. Ratio of burden to interest income
|
21.64
|
35.3
|
-5.97
|
-7.8
|
3.27
|
11.82
|
-5.42
|
1.28
|
|
20. Ratio of operating profits to total assets
|
0.58
|
0.35
|
3.31
|
4.05
|
1.39
|
1.1
|
3.18
|
2.94
|
|
21. Return on assets
|
-0.7
|
-3.16
|
1.33
|
1.86
|
0.85
|
0.37
|
0.71
|
0.71
|
|
22. Return on equity
|
-14.4
|
-57
|
21.74
|
31.03
|
12.1
|
6.47
|
12.9
|
13.74
|
|
23. Cost of deposits
|
7.01
|
6.17
|
7.76
|
6.94
|
7.3
|
5.6
|
7.4
|
5.84
|
|
24. Cost of borrowings
|
7.97
|
4.65
|
2.83
|
2.74
|
9.7
|
4.92
|
2.25
|
2.42
|
|
25. Cost of funds
|
7.04
|
6.14
|
7.73
|
6.9
|
7.4
|
5.56
|
7.32
|
5.8
|
|
26. Return on advances
|
14.43
|
14.11
|
11.63
|
11.46
|
8.88
|
8.53
|
10.81
|
10.32
|
|
27. Return on investments
|
8.24
|
8.38
|
9.95
|
9.65
|
10.82
|
6.82
|
11.21
|
9.03
|
|
28. Return on advances adjusted to cost of funds
|
7.39
|
7.97
|
3.89
|
4.56
|
1.48
|
2.97
|
3.49
|
4.52
|
|
29. Return on investments adjusted to cost of funds
|
1.2
|
2.24
|
2.21
|
2.75
|
3.42
|
1.26
|
3.89
|
3.23
|
|
30. Business per employee (in Rs.lakh)
|
403.3
|
392.8
|
230.1
|
286.8
|
463
|
480
|
222.1
|
248.63
|
|
31. Profit per employee (in Rs.lakh)
|
2.29
|
1.09
|
2.37
|
4.09
|
2.6
|
1
|
1.15
|
1.32
|
|
32. Capital adequacy ratio
|
3.02
|
7.49
|
13.95
|
13.36
|
10.08
|
14.26
|
10.45
|
13.56
|
|
33. Capital adequacy ratio - Tier I
|
1.07
|
3.08
|
11.87
|
10.73
|
6.63
|
8.89
|
8.63
|
8.63
|
|
34. Capital adequacy ratio - Tier II
|
1.95
|
4.41
|
2.08
|
2.63
|
3.45
|
5.37
|
1.82
|
4.93
|
|
35. Ratio of net NPA to net advances
|
7.51
|
4.43
|
8.21
|
6.37
|
7.76
|
4.87
|
9.25
|
6.68
|
|
Source : Compiled from annual accounts of banks of respective years
|