|
|
|
|
|
|
|
|
(in per cent)
|
|
|
As on March 31
|
|
|
|
|
|
|
|
|
Federal Bank
|
Ganesh Bank of Kurundwad
|
Global Trust Bank
|
HDFC Bank
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(17)
|
(18)
|
(19)
|
(20)
|
(21)
|
(22)
|
(23)
|
(24)
|
|
1. Cash-deposit ratio
|
5.56
|
5.39
|
8.81
|
7.22
|
10.5
|
10.07
|
9.3
|
8.36
|
|
2. Credit-deposit ratio
|
56.8
|
57.14
|
52.29
|
46.68
|
47.34
|
35.09
|
52.53
|
58.35
|
|
3. Investment-deposit ratio
|
41.6
|
40.87
|
26.11
|
37.21
|
36.1
|
33.11
|
59.83
|
63.33
|
|
4. (Credit+Investment)-deposit ratio
|
98.4
|
98.01
|
78.39
|
83.89
|
83.44
|
68.2
|
112.4
|
121.68
|
|
5. Ratio of deposits to total liabilities
|
89.7
|
89.17
|
92.99
|
93.74
|
90.28
|
88.84
|
73.55
|
71.88
|
|
6. Ratio of term deposits to total deposits
|
78.9
|
76.91
|
77.62
|
75.14
|
81.19
|
73.65
|
57.03
|
45.28
|
|
7. Ratio of priority sector advances to total advances
|
31.4
|
31.32
|
57.16
|
62.7
|
26.39
|
27.87
|
12.1
|
14.08
|
|
8. Ratio of term loan to total advances
|
38.8
|
39.56
|
74.04
|
77.53
|
53.55
|
55.69
|
55.5
|
60.92
|
|
9. Ratio of secured advances to total advances
|
92
|
88.87
|
97.5
|
98.09
|
86.56
|
90.88
|
85.79
|
86.75
|
|
10. Ratio of investments in non-approved
securites to total investments
|
23
|
18.55
|
2.66
|
1.61
|
24.3
|
26.86
|
52.43
|
40.09
|
|
11. Ratio of interest income to total assets
|
9.95
|
8.73
|
9.64
|
8.68
|
7.21
|
4.76
|
7.46
|
7.01
|
|
12. Ratio of net interest margin to total assets
|
3.04
|
3.09
|
1.52
|
1.19
|
0.3
|
-1.09
|
3.07
|
3.68
|
|
13. Ratio of non-interest income to total assets
|
2.1
|
2.18
|
2.47
|
2.11
|
2.56
|
2.17
|
1.75
|
1.32
|
|
14. Ratio of intemediation cost to total assets
|
1.99
|
2.07
|
2.3
|
2.37
|
2.37
|
2.14
|
2.18
|
2.23
|
|
15. Ratio of wage bills to intemediation cost
|
62.8
|
63.01
|
56.14
|
60.71
|
23.74
|
23.43
|
25.67
|
25.2
|
|
16. Ratio of wage bills to total expense
|
14
|
16.92
|
12.38
|
14.58
|
6.05
|
6.27
|
8.52
|
10.1
|
|
17. Ratio of wage bills to total income
|
10.4
|
11.96
|
10.64
|
13.33
|
5.75
|
7.23
|
6.09
|
6.74
|
|
18. Ratio of burden to total assets
|
-0.11
|
-0.11
|
-0.18
|
0.26
|
-0.19
|
-0.03
|
0.44
|
0.91
|
|
19. Ratio of burden to interest income
|
-1.11
|
-1.26
|
-1.82
|
2.97
|
-2.64
|
-0.61
|
5.87
|
12.95
|
|
20. Ratio of operating profits to total assets
|
3.15
|
3.2
|
1.7
|
0.82
|
0.49
|
-1.06
|
2.63
|
2.77
|
|
21. Return on assets
|
0.86
|
0.9
|
1.65
|
0.86
|
-3.56
|
-11.3
|
1.52
|
1.45
|
|
22. Return on equity
|
21.5
|
23.14
|
12.69
|
10.43
|
-82.41
|
-304
|
18.48
|
20.61
|
|
23. Cost of deposits
|
7.36
|
5.92
|
8.71
|
8.01
|
7.19
|
5.73
|
5.31
|
3.93
|
|
24. Cost of borrowings
|
1.87
|
1.61
|
14.41
|
13.09
|
2.66
|
5.74
|
5.03
|
6.25
|
|
25. Cost of funds
|
7.24
|
5.88
|
8.72
|
8.02
|
7.16
|
5.73
|
5.29
|
4.12
|
|
26. Return on advances
|
11.6
|
10.26
|
12.69
|
12.01
|
10.17
|
8.8
|
8.47
|
7.52
|
|
27. Return on investments
|
10.2
|
8.68
|
10.69
|
7.97
|
7.66
|
4.06
|
8.77
|
8.1
|
|
28. Return on advances adjusted to cost of funds
|
4.34
|
4.38
|
3.97
|
3.99
|
3.02
|
3.07
|
3.19
|
3.4
|
|
29. Return on investments adjusted to cost of funds
|
2.95
|
2.8
|
1.97
|
-0.05
|
0.5
|
-1.67
|
3.48
|
3.98
|
|
30. Business per employee (in Rs.lakh)
|
270
|
327
|
126.52
|
126
|
655.1
|
625
|
865
|
866
|
|
31. Profit per employee (in Rs.lakh)
|
1.69
|
2.14
|
1.39
|
1
|
-19.93
|
-66.7
|
10.09
|
9.39
|
|
32. Capital adequacy ratio
|
11.2
|
11.48
|
10.44
|
11.94
|
0
|
0
|
11.12
|
11.66
|
|
33. Capital adequacy ratio - Tier I
|
6.65
|
6.26
|
6.43
|
7.88
|
0
|
0
|
9.49
|
8.03
|
|
34. Capital adequacy ratio - Tier II
|
4.58
|
5.22
|
4.01
|
4.06
|
0
|
0
|
1.63
|
3.63
|
|
35. Ratio of net NPA to net advances
|
4.95
|
2.89
|
12.89
|
10.59
|
19.77
|
27.99
|
0.37
|
0.16
|
|
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 |
|
|
|
|
|
|
|
|
(in per cent) |
|
|
As on March 31 |
|
|
|
|
|
|
|
|
ICICI Bank |
IDBI Bank |
IndusInd Bank |
ING Vysya Bank |
|
|
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
|
1. Cash-deposit ratio |
10.14 |
7.94 |
9.96 |
7.6 |
6.69 |
11.92 |
5.56 |
5.97 |
|
2. Credit-deposit ratio |
110.61 |
91.17 |
71.7 |
73.63 |
62.2 |
69.75 |
61.08 |
67.25 |
|
3. Investment-deposit ratio |
73.62 |
62.76 |
39.97 |
38.95 |
29.48 |
35.46 |
39.63 |
38.99 |
|
4. (Credit+Investment)-deposit ratio |
184.23 |
153.93 |
111.67 |
112.59 |
91.68 |
105.21 |
100.71 |
106.24 |
|
5. Ratio of deposits to total liabilities |
45.1 |
54.39 |
76.08 |
77.28 |
86.84 |
74.24 |
79.22 |
79.39 |
|
6. Ratio of term deposits to total deposits |
84.47 |
77.05 |
65.1 |
56.69 |
87.82 |
88.83 |
78.94 |
75.09 |
|
7. Ratio of priority sector advances to total advances |
16.78 |
23.4 |
30.04 |
38.1 |
18.69 |
32.19 |
34.93 |
30.61 |
|
8. Ratio of term loan to total advances |
93.3 |
86.04 |
61.29 |
65.61 |
24.14 |
51.4 |
51.57 |
53.72 |
|
9. Ratio of secured advances to total advances |
97.16 |
92.46 |
80.23 |
87.65 |
88.98 |
88.62 |
87.17 |
90.42 |
|
10. Ratio of investments in non-approved
securites to total investments
|
27.86 |
30.01 |
24.56 |
22.46 |
19.3 |
4.5 |
36.28 |
27.86 |
|
11. Ratio of interest income to total assets |
8.88 |
7.67 |
8.21 |
7.04 |
7.39 |
7.89 |
8.11 |
7.45 |
|
12. Ratio of net interest margin to total assets |
1.35 |
1.62 |
2.77 |
3.16 |
1.84 |
2.54 |
1.94 |
1.97 |
|
13. Ratio of non-interest income to total assets |
3 |
2.64 |
2.27 |
2.01 |
2.56 |
2.76 |
3.21 |
2.93 |
|
14. Ratio of intemediation cost to total assets |
1.91 |
2.22 |
2.84 |
2.45 |
1.17 |
1.74 |
2.99 |
2.79 |
|
15. Ratio of wage bills to intemediation cost |
20.03 |
21.24 |
26.67 |
26.42 |
23.97 |
23.2 |
51.94 |
48.49 |
|
16. Ratio of wage bills to total expense |
4.05 |
5.7 |
9.14 |
10.24 |
4.18 |
5.68 |
16.96 |
16.34 |
|
17. Ratio of wage bills to total income |
3.22 |
4.57 |
7.22 |
7.16 |
2.82 |
3.78 |
13.71 |
13.01 |
|
18. Ratio of burden to total assets |
-1.09 |
-0.43 |
0.57 |
0.44 |
-1.39 |
-1.02 |
-0.22 |
-0.14 |
|
19. Ratio of burden to interest income |
-12.25 |
-5.55 |
6.94 |
6.29 |
-18.82 |
-12.96 |
-2.76 |
-1.92 |
|
20. Ratio of operating profits to total assets |
2.44 |
2.04 |
2.2 |
2.72 |
3.23 |
3.56 |
2.17 |
2.11 |
|
21. Return on assets |
1.13 |
1.31 |
0.9 |
1.02 |
0.91 |
1.74 |
0.74 |
0.45 |
|
22. Return on equity |
17.38 |
20.93 |
21.71 |
27.24 |
15.49 |
37.37 |
12.4 |
8.12 |
|
23. Cost of deposits |
6.18 |
5.2 |
5.76 |
3.68 |
6.01 |
5.05 |
7.36 |
5.89 |
|
24. Cost of borrowings |
0.44 |
0.71 |
3.24 |
4.68 |
2.04 |
7.33 |
1.88 |
1.11 |
|
25. Cost of funds |
3.25 |
3.59 |
5.41 |
3.82 |
5.77 |
5.31 |
6.76 |
5.47 |
|
26. Return on advances |
11.99 |
10.53 |
9.93 |
8.32 |
8.55 |
10.59 |
9.77 |
8.83 |
|
27. Return on investments |
8.16 |
6.22 |
8.73 |
7.24 |
9.72 |
8 |
9.37 |
7.01 |
|
28. Return on advances adjusted to cost of funds |
8.74 |
6.94 |
4.51 |
4.5 |
2.78 |
5.28 |
3.01 |
3.36 |
|
29. Return on investments adjusted to cost of funds |
4.91 |
2.63 |
3.32 |
3.42 |
3.95 |
2.69 |
2.61 |
1.54 |
|
30. Business per employee (in Rs.lakh) |
1,120.00 |
1,010.00 |
712.84 |
1,080.31 |
1,284.06 |
1,079.95 |
242 |
324.34 |
|
31. Profit per employee (in Rs.lakh) |
11 |
12 |
4.89 |
8.2 |
9.5 |
14.98 |
1.69 |
1.15 |
|
32. Capital adequacy ratio |
11.1 |
10.36 |
9.56 |
10.38 |
12.13 |
12.75 |
9.81 |
11.05 |
|
33. Capital adequacy ratio - Tier I |
7.05 |
6.09 |
5.96 |
5.84 |
10.06 |
8.91 |
6.63 |
6.14 |
|
34. Capital adequacy ratio - Tier II |
4.05 |
4.27 |
3.6 |
4.54 |
2.07 |
3.84 |
3.18 |
4.91 |
|
35. Ratio of net NPA to net advances |
5.21 |
2.21 |
1.18 |
0.2 |
4.25 |
2.72 |
3.55 |
2.6 |
|
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
|
|
|
|
|
|
|
|
|
(in per cent)
|
|
|
As on March 31
|
|
|
|
|
|
|
|
Jammu & Kashmir Bank
|
Karnataka Bank
|
Karur Vysya Bank
|
Kotak Mahindra Bank#
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(33)
|
(34)
|
(35)
|
(36)
|
(37)
|
(38)
|
(39)
|
(40)
|
|
1. Cash-deposit ratio
|
4.91
|
8.22
|
5.27
|
4.13
|
4.5
|
5.53
|
0
|
2.84
|
|
2. Credit-deposit ratio
|
54.59
|
49.75
|
47.03
|
49.62
|
65.3
|
68.06
|
0
|
47.03
|
|
3. Investment-deposit ratio
|
45.91
|
45.29
|
53.46
|
51.87
|
36.12
|
36.76
|
0
|
64.65
|
|
4. (Credit+Investment)-deposit ratio
|
100.5
|
95.04
|
100.49
|
101.49
|
101.42
|
104.82
|
0
|
111.67
|
|
5. Ratio of deposits to total liabilities
|
87.38
|
88
|
89.5
|
88.94
|
82.9
|
83.17
|
0
|
76.66
|
|
6. Ratio of term deposits to total deposits
|
66.61
|
69.74
|
81.48
|
79.72
|
78.53
|
77.13
|
0
|
40.58
|
|
7. Ratio of priority sector advances to total advances
|
18.8
|
21.17
|
38.49
|
40.92
|
33.26
|
37.5
|
0
|
41.84
|
|
8. Ratio of term loan to total advances
|
49.03
|
54.71
|
29.05
|
33.28
|
54.22
|
59.65
|
0
|
93.01
|
|
9. Ratio of secured advances to total advances
|
90.3
|
92.01
|
91.62
|
91.08
|
92.22
|
85.67
|
0
|
78.58
|
|
10. Ratio of investments in non-approved
securites to total investments
|
41.38
|
38.96
|
22.93
|
38.33
|
26.37
|
20.75
|
0
|
21.02
|
|
11. Ratio of interest income to total assets
|
9.06
|
8.01
|
9.53
|
8.55
|
9.13
|
9.75
|
0
|
4.96
|
|
12. Ratio of net interest margin to total assets
|
3.34
|
3.26
|
1.82
|
2.15
|
3
|
4.47
|
0
|
2.93
|
|
13. Ratio of non-interest income to total assets
|
1.82
|
1.59
|
2.81
|
2.72
|
2.35
|
1.12
|
0
|
1.64
|
|
14. Ratio of intemediation cost to total assets
|
1.65
|
1.54
|
1.65
|
1.55
|
1.84
|
2.36
|
0
|
2.4
|
|
15. Ratio of wage bills to intemediation cost
|
60.98
|
57.44
|
63.4
|
61
|
57.73
|
50.27
|
0
|
31.63
|
|
16. Ratio of wage bills to total expense
|
13.65
|
14.1
|
11.19
|
11.92
|
13.34
|
15.55
|
0
|
17.15
|
|
17. Ratio of wage bills to total income
|
9.24
|
9.24
|
8.49
|
8.41
|
9.27
|
10.93
|
0
|
11.5
|
|
18. Ratio of burden to total assets
|
-0.17
|
-0.04
|
-1.16
|
-1.17
|
-0.5
|
1.24
|
0
|
0.76
|
|
19. Ratio of burden to interest income
|
-1.91
|
-0.56
|
-12.14
|
-13.68
|
-5.5
|
12.76
|
0
|
15.28
|
|
20. Ratio of operating profits to total assets
|
3.52
|
3.31
|
2.98
|
3.32
|
3.5
|
3.23
|
0
|
2.18
|
|
21. Return on assets
|
2.01
|
1.92
|
1.29
|
1.34
|
2.25
|
2.43
|
0
|
2.4
|
|
22. Return on equity
|
31
|
28.66
|
21.48
|
20.78
|
25.28
|
25.35
|
0
|
13
|
|
23. Cost of deposits
|
6.27
|
5.26
|
8.43
|
7.03
|
7.07
|
6.04
|
0
|
1.2
|
|
24. Cost of borrowings
|
12.61
|
5.83
|
6.26
|
4.17
|
3.29
|
6.25
|
0
|
3.95
|
|
25. Cost of funds
|
6.37
|
5.27
|
8.39
|
6.98
|
6.85
|
6.05
|
0
|
1.48
|
|
26. Return on advances
|
10.53
|
9.5
|
10.93
|
9.73
|
10.44
|
9.8
|
0
|
10.04
|
|
27. Return on investments
|
10.01
|
8.75
|
9.87
|
8.7
|
9.81
|
13.22
|
0
|
2.5
|
|
28. Return on advances adjusted to cost of funds
|
4.16
|
4.23
|
2.54
|
2.75
|
3.58
|
3.75
|
0
|
8.56
|
|
29. Return on investments adjusted to cost of funds
|
3.65
|
3.48
|
1.47
|
1.73
|
2.96
|
7.17
|
0
|
1.02
|
|
30. Business per employee (in Rs.lakh)
|
287
|
345
|
275.32
|
320.23
|
288
|
330
|
0
|
354.28
|
|
31. Profit per employee (in Rs.lakh)
|
5
|
6
|
2.55
|
3.1
|
4.41
|
5.65
|
0
|
10.25
|
|
32. Capital adequacy ratio
|
16.48
|
16.88
|
13.44
|
13.03
|
17.01
|
17.11
|
0
|
15.25
|
|
33. Capital adequacy ratio - Tier I
|
12.48
|
12.98
|
11.23
|
10.45
|
14.89
|
15.1
|
0
|
14.64
|
|
34. Capital adequacy ratio - Tier II
|
4
|
3.9
|
2.21
|
2.58
|
2.12
|
2.01
|
0
|
0.61
|
|
35. Ratio of net NPA to net advances
|
1.58
|
1.48
|
7.36
|
4.98
|
4.2
|
2.32
|
0
|
0.17
|
|
# : 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
|
|
|
|
|
|
|
|
|
(in per cent)
|
|
|
As on March 31
|
|
|
|
|
|
|
|
|
Lakshmi Vilas Bank
|
Lord Krishna Bank
|
Nainital Bank
|
Ratnakar Bank
|
|
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
2003
|
2004
|
|
|
(41)
|
(42)
|
(43)
|
(44)
|
(45)
|
(46)
|
(47)
|
(48)
|
|
1. Cash-deposit ratio
|
5.99
|
6.99
|
7.82
|
8.84
|
7.13
|
6.88
|
7.66
|
13.61
|
|
2. Credit-deposit ratio
|
63.66
|
61.86
|
55.01
|
48.37
|
25.78
|
31.04
|
48.58
|
48.38
|
|
3. Investment-deposit ratio
|
37.41
|
40.6
|
39.84
|
45.31
|
52.13
|
54.09
|
42.19
|
36.13
|
|
4. (Credit+Investment)-deposit ratio
|
101.07
|
102.46
|
94.86
|
93.68
|
77.91
|
85.13
|
90.78
|
84.51
|
|
5. Ratio of deposits to total liabilities
|
86.67
|
86.25
|
89.54
|
88.74
|
87.03
|
88.8
|
86.73
|
87.72
|
|
6. Ratio of term deposits to total deposits
|
73.79
|
74.28
|
88.13
|
88.51
|
53.27
|
48.84
|
77.7
|
73.8
|
|
7. Ratio of priority sector advances to total advances
|
34.64
|
37.55
|
12.75
|
36.29
|
56.69
|
56.49
|
23.92
|
22.42
|
|
8. Ratio of term loan to total advances
|
37.53
|
41.12
|
21.7
|
24.61
|
30.92
|
38.43
|
38.09
|
35.49
|
|
9. Ratio of secured advances to total advances
|
89.93
|
90.71
|
88.85
|
89.2
|
99.45
|
96.22
|
86.1
|
81.84
|
|
10. Ratio of investments in non-approved
securites to total investments
|
26.58
|
16.84
|
16.04
|
8.19
|
32.05
|
44.45
|
20.38
|
21.64
|
|
11. Ratio of interest income to total assets
|
8.96
|
8.15
|
8.68
|
7.46
|
9.42
|
8.64
|
9.12
|
8.38
|
|
12. Ratio of net interest margin to total assets
|
2.26
|
2.38
|
1.47
|
1.52
|
3.97
|
4.08
|
2.8
|
2.86
|
|
13. Ratio of non-interest income to total assets
|
2.79
|
2.48
|
3.76
|
3.05
|
0.67
|
1.61
|
2.72
|
1.53
|
|
14. Ratio of intemediation cost to total assets
|
2.4
|
2.26
|
2.36
|
2.41
|
3.02
|
3.14
|
2.68
|
2.6
|
|
15. Ratio of wage bills to intemediation cost
|
59.41
|
58.35
|
42.72
|
38.7
|
74.89
|
76.58
|
58.49
|
60.7
|
|
16. Ratio of wage bills to total expense
|
15.63
|
16.42
|
10.55
|
11.16
|
26.7
|
31.25
|
17.39
|
19.46
|
|
17. Ratio of wage bills to total income
|
12.11
|
12.41
|
8.12
|
8.86
|
22.41
|
23.5
|
13.22
|
15.94
|
|
18. Ratio of burden to total assets
|
-0.39
|
-0.22
|
-1.4
|
-0.65
|
2.35
|
1.53
|
-0.04
|
1.08
|
|
19. Ratio of burden to interest income
|
-4.37
|
-2.64
|
-16.09
|
-8.65
|
24.97
|
17.76
|
-0.46
|
12.84
|
|
20. Ratio of operating profits to total assets
|
2.65
|
2.59
|
2.87
|
2.16
|
1.62
|
2.54
|
2.84
|
1.79
|
|
21. Return on assets
|
1.07
|
1.19
|
1.28
|
1.33
|
1.14
|
1.58
|
1.42
|
1.12
|
|
22. Return on equity
|
19.17
|
19.61
|
20.25
|
20.54
|
17.16
|
19.62
|
25.84
|
17.87
|
|
23. Cost of deposits
|
7.43
|
6.34
|
7.88
|
6.49
|
6.1
|
5.18
|
7.17
|
6.28
|
|
24. Cost of borrowings
|
5.94
|
6.64
|
24.79
|
21.95
|
12.01
|
18.54
|
12.17
|
10.76
|
|
25. Cost of funds
|
7.41
|
6.35
|
7.91
|
6.5
|
6.1
|
5.18
|
7.2
|
6.29
|
|
26. Return on advances
|
10.58
|
9.5
|
9.9
|
8.61
|
11.49
|
11.43
|
13.06
|
11.74
|
|
27. Return on investments
|
9.2
|
8.51
|
9.87
|
8.23
|
10.83
|
9.71
|
8.55
|
8.42
|
|
28. Return on advances adjusted to cost of funds
|
3.18
|
3.15
|
1.99
|
2.11
|
5.39
|
6.25
|
5.86
|
5.45
|
|
29. Return on investments adjusted to cost of funds
|
1.79
|
2.16
|
1.95
|
1.73
|
4.73
|
4.52
|
1.35
|
2.13
|
|
30. Business per employee (in Rs.lakh)
|
228
|
276
|
261.17
|
308.94
|
115.4
|
124.56
|
179.73
|
198.4
|
|
31. Profit per employee (in Rs.lakh)
|
1.72
|
2.11
|
2.36
|
2.37
|
1.17
|
1.91
|
1.81
|
1.58
|
|
32. Capital adequacy ratio
|
11.35
|
13.79
|
12.82
|
16.54
|
20.93
|
18.54
|
14.05
|
16.65
|
|
33. Capital adequacy ratio - Tier I
|
8.39
|
8.49
|
10.03
|
10.06
|
19.31
|
14.28
|
11.76
|
13.54
|
|
34. Capital adequacy ratio - Tier II
|
2.96
|
5.3
|
2.79
|
6.48
|
1.62
|
4.26
|
2.29
|
3.11
|
|
35. Ratio of net NPA to net advances
|
7.15
|
5.4
|
6.33
|
6.05
|
0
|
0
|
7.42
|
5.58
|
|
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 |
|
|
|
|
|
|
|
(in per cent) |
|
|
|
|
As on March 31 |
|
|
|
|
|
|
|
|
Sangli Bank |
SBI Comm.& Int. Bank |
South Indian Bank |
Tamilnadu Mercantile Bank |
|
|
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
|
|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
|
1. Cash-deposit ratio |
4.63 |
4.97 |
5.81 |
5.88 |
5.78 |
4.89 |
6.63 |
5.08 |
|
2. Credit-deposit ratio |
33.86 |
34.9 |
35.58 |
32.29 |
52.66 |
50.69 |
47.98 |
48 |
|
3. Investment-deposit ratio |
56.82 |
58.1 |
30.07 |
38.32 |
43.71 |
47.85 |
52.44 |
53.44 |
|
4. (Credit+Investment)-deposit ratio |
90.68 |
93 |
65.64 |
70.61 |
96.37 |
98.54 |
100.43 |
101.44 |
|
5. Ratio of deposits to total liabilities |
92.32 |
93.3 |
83.94 |
76.31 |
89.94 |
89.47 |
86.51 |
86.54 |
|
6. Ratio of term deposits to total deposits |
66.62 |
66.4 |
94.22 |
88.81 |
80.81 |
79.03 |
75.73 |
74.76 |
|
7. Ratio of priority sector advances to total advances |
23.03 |
15.1 |
9.4 |
12.03 |
27.79 |
30.75 |
40.81 |
45.14 |
|
8. Ratio of term loan to total advances |
19.55 |
35.2 |
6.57 |
9.64 |
45.17 |
51.05 |
29.42 |
31.86 |
|
9. Ratio of secured advances to total advances |
93.92 |
95.8 |
88.95 |
99.52 |
82.81 |
85.96 |
95.11 |
95.19 |
|
10. Ratio of investments in non-approved
securites to total investments
|
22.07 |
21.6 |
6.88 |
2.49 |
10.48 |
8.24 |
49.07 |
41.13 |
|
11. Ratio of interest income to total assets |
7.83 |
7.08 |
7.56 |
7.33 |
9.24 |
8.06 |
10.48 |
10.96 |
|
12. Ratio of net interest margin to total assets |
2.24 |
2.75 |
1.95 |
2.5 |
2.48 |
2.37 |
3.76 |
4.4 |
|
13. Ratio of non-interest income to total assets |
1.78 |
1.6 |
1.94 |
|
2.57 |
2.79 |
1.32 |
1.38 |
|
14. Ratio of intemediation cost to total assets |
2.88 |
2.88 |
1.37 |
1.48 |
2 |
2.29 |
2.06 |
2.32 |
|
15. Ratio of wage bills to intemediation cost |
76.23 |
74.5 |
35.73 |
38.08 |
66.53 |
67.59 |
59.74 |
56.79 |
|
16. Ratio of wage bills to total expense |
25.95 |
29.7 |
7.01 |
8.92 |
15.19 |
19.41 |
14.03 |
14.82 |
|
17. Ratio of wage bills to total income |
22.88 |
24.7 |
5.14 |
5.06 |
11.26 |
14.28 |
10.44 |
10.66 |
|
18. Ratio of burden to total assets |
1.1 |
1.28 |
-0.58 |
-2.32 |
-0.57 |
-0.49 |
0.74 |
0.93 |
|
19. Ratio of burden to interest income |
14.09 |
18.1 |
-7.63 |
-31.61 |
-6.19 |
-6.14 |
7.09 |
8.52 |
|
20. Ratio of operating profits to total assets |
1.14 |
1.47 |
2.53 |
4.82 |
3.05 |
2.87 |
3.02 |
3.46 |
|
21. Return on assets |
0.66 |
0.64 |
-1.45 |
3.67 |
1.25 |
1 |
1.35 |
1.59 |
|
22. Return on equity |
15.55 |
14.6 |
-10.1 |
20.1 |
24.29 |
23.56 |
17.5 |
18.47 |
|
23. Cost of deposits |
6.01 |
4.65 |
6.69 |
5.98 |
7.33 |
6.15 |
7.62 |
6.59 |
|
24. Cost of borrowings |
4.48 |
5.2 |
3.58 |
0.8 |
0.39 |
0.38 |
0.65 |
1.56 |
|
25. Cost of funds |
6.01 |
4.65 |
6.58 |
5.94 |
7.25 |
6.08 |
7.53 |
6.53 |
|
26. Return on advances |
10.69 |
8.18 |
7.72 |
11.73 |
10.89 |
9.17 |
11.65 |
11.45 |
|
27. Return on investments |
6.26 |
6.58 |
11.34 |
7.72 |
10.1 |
8.88 |
12.34 |
11.72 |
|
28. Return on advances adjusted to cost of funds |
4.68 |
3.54 |
1.14 |
5.79 |
3.64 |
3.09 |
4.11 |
4.92 |
|
29. Return on investments adjusted to cost of funds |
0.25 |
1.94 |
4.76 |
1.78 |
2.85 |
2.8 |
4.81 |
5.19 |
|
30. Business per employee (in Rs.lakh) |
91.31 |
95.7 |
321.78 |
570.69 |
265 |
306 |
270.83 |
292 |
|
31. Profit per employee (in Rs.lakh) |
0.59 |
0.62 |
-7.71 |
17.12 |
2.04 |
2.39 |
2.88 |
4 |
|
32. Capital adequacy ratio |
14.94 |
13.7 |
21.19 |
30.43 |
10.75 |
11.32 |
18.54 |
21.07 |
|
33. Capital adequacy ratio - Tier I |
12.11 |
11 |
20.18 |
28.76 |
7.28 |
5.8 |
16.83 |
17.36 |
|
34. Capital adequacy ratio - Tier II |
2.83 |
2.68 |
1.01 |
1.67 |
3.47 |
5.52 |
1.71 |
3.71 |
|
35. Ratio of net NPA to net advances |
6.89 |
6.56 |
20.88 |
18.31 |
5.98 |
4.55 |
8.7 |
5 |
|
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 |
|
|
|
|
|
|
|
|
(in per cent) |
|
|
As on March 31 |
|
|
|
|
United Western Bank |
UTI Bank |
|
|
2003 |
2004 |
2003 |
2004 |
|
|
(57) |
(58) |
(59) |
(60) |
|
1. Cash-deposit ratio |
6.35 |
5.55 |
9.43 |
18.03 |
|
2. Credit-deposit ratio |
58.35 |
58.23 |
42.32 |
44.68 |
|
3. Investment-deposit ratio |
35.52 |
37.53 |
46.22 |
37.19 |
|
4. (Credit+Investment)-deposit ratio |
93.87 |
95.76 |
88.54 |
81.87 |
|
5. Ratio of deposits to total liabilities |
90.28 |
90.07 |
86.5 |
86.77 |
|
6. Ratio of term deposits to total deposits |
74.57 |
70.15 |
76.96 |
61.92 |
|
7. Ratio of priority sector advances to total advances |
40.09 |
34.1 |
22.83 |
26.23 |
|
8. Ratio of term loan to total advances |
27.1 |
25.89 |
54.44 |
63.92 |
|
9. Ratio of secured advances to total advances |
89.75 |
89.2 |
88.8 |
88.94 |
|
10. Ratio of investments in non-approved securites to total investments |
25.44 |
18.3 |
40.92 |
35.12 |
|
11. Ratio of interest income to total assets |
8.59 |
7.06 |
8.62 |
7.25 |
|
12. Ratio of net interest margin to total assets |
2.14 |
1.86 |
1.9 |
2.58 |
|
13. Ratio of non-interest income to total assets |
2.61 |
2.03 |
2.42 |
2.47 |
|
14. Ratio of intemediation cost to total assets |
2.26 |
1.86 |
1.9 |
1.92 |
|
15. Ratio of wage bills to intemediation cost |
68.38 |
61.95 |
26.4 |
28.92 |
|
16. Ratio of wage bills to total expense |
17.75 |
16.35 |
5.82 |
8.42 |
|
17. Ratio of wage bills to total income |
13.81 |
12.7 |
4.54 |
5.7 |
|
18. Ratio of burden to total assets |
-0.35 |
-0.17 |
-0.52 |
-0.55 |
|
19. Ratio of burden to interest income |
-4.02 |
-2.37 |
-5.98 |
-7.62 |
|
20. Ratio of operating profits to total assets |
2.49 |
2.03 |
2.41 |
3.14 |
|
21. Return on assets |
0.46 |
0.43 |
1.17 |
1.42 |
|
22. Return on equity |
10.32 |
10.62 |
25.06 |
27.08 |
|
23. Cost of deposits |
6.84 |
5.43 |
7.23 |
4.93 |
|
24. Cost of borrowings |
5.12 |
6.61 |
2.72 |
3.12 |
|
25. Cost of funds |
6.79 |
5.44 |
6.94 |
4.87 |
|
26. Return on advances |
9.83 |
7.86 |
11.75 |
9.28 |
|
27. Return on investments |
9.72 |
8.26 |
7.96 |
8.17 |
|
28. Return on advances adjusted to cost of funds |
3.04 |
2.42 |
4.81 |
4.41 |
|
29. Return on investments adjusted to cost of funds |
2.92 |
2.82 |
1.02 |
3.3 |
|
30. Business per employee (in Rs.lakh) |
242 |
290 |
926 |
808 |
|
31. Profit per employee (in Rs.lakh) |
0.83 |
0.96 |
8.22 |
8.07 |
|
32. Capital adequacy ratio |
10.17 |
10.13 |
10.9 |
11.21 |
|
33. Capital adequacy ratio - Tier I |
6.4 |
5.33 |
6.44 |
6.44 |
|
34. Capital adequacy ratio - Tier II |
3.77 |
4.8 |
4.46 |
4.77 |
|
35. Ratio of net NPA to net advances |
9.5 |
8.95 |
2.39 |
1.29 |
|
Source : Compiled from annual accounts of banks of respective
years
|
|
|