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Date : Oct 14, 2005

B11 : Selected Ratios of Scheduled Commercial Banks : 2004 and 2005 (Part 1 of 3)


									(in per cent)

					As on March 31

		State Bank of		State Bank of		State Bank of		State Bank of
			India	Bikaner and Jaipur		Hyderabad			Indore

	Ratios	2004	2005	2004	2005	2004	2005	2004	2005

		(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)

1.	Cash-deposit ratio	5.98	4.58	8.06	4.86	7.50	4.81	5.30	4.10
2.	Credit-deposit ratio	49.57	55.14	54.96	63.08	48.70	53.92	61.49	65.48
3.	Investment-deposit ratio	58.28	53.70	53.89	43.92	61.91	50.33	52.11	42.72
4.	(Credit + investment)-deposit ratio	107.84	108.83	108.85	107.00	110.61	104.25	113.59	108.20
5.	Ratio of deposits to total liabilities	78.13	79.81	77.22	81.36	79.15	82.84	79.87	81.71
6.	Ratio of term deposits to total deposits	59.23	58.72	54.49	56.88	65.61	67.37	65.65	69.17
7.	Ratio of priority sector advances to total advances	27.04	28.59	43.86	45.10	39.51	39.69	46.32	43.69
8.	Ratio of term-loans to total advances	46.69	52.87	34.46	42.81	45.46	54.84	47.80	54.04
9.	Ratio of secured advances to total advances	83.15	77.06	90.03	87.39	86.94	78.54	88.48	89.16
10.	Ratio of investments in non-approved securities to total investments	12.79	11.13	5.44	4.38	9.60	6.97	6.64	4.27
11.	Ratio of Interest income to total assets	7.77	7.47	8.22	7.98	7.80	7.09	8.57	7.41
12.	Ratio of net interest margin to total assets	2.85	3.21	3.74	3.98	2.96	2.94	3.71	3.35
13.	Ratio of non-interest income to total assets	1.94	1.64	2.57	2.21	2.49	1.29	2.95	1.19
14.	Ratio of intermediation cost to total assets	2.36	2.32	2.75	2.85	1.88	2.05	2.31	2.19
15.	Ratio of wage bills to intermediation cost	69.74	68.56	68.48	66.73	63.86	59.22	62.92	59.48
16.	Ratio of wage bills to total expenses	22.61	24.19	26.06	27.79	17.91	19.53	20.28	20.87
17.	Ratio of wage bills to total income	16.94	17.47	17.46	18.68	11.69	14.46	12.61	15.16
18.	Ratio of burden to total assets	0.42	0.68	0.18	0.64	-0.61	0.76	-0.65	1.00
19.	Ratio of burden to interest income	5.36	9.11	2.23	8.00	-7.81	10.72	-7.53	13.53
20.	Ratio of operating profits to total assets	2.44	2.53	3.56	3.34	3.57	2.18	4.36	2.35
21.	Return on assets	0.94	0.99	1.49	0.88	1.25	0.72	1.73	0.79
22.	Return on equity	19.67	19.43	29.39	16.81	26.99	15.03	32.94	15.73
23.	Cost of deposits	5.90	5.01	5.81	4.84	5.90	4.90	5.75	4.72
24.	Cost of borrowings	1.42	2.51	1.43	3.65	2.66	3.84	0.17	2.45
25.	Cost of funds	5.74	4.90	5.68	4.80	5.81	4.87	5.56	4.60
26.	Return on advances	7.62	7.24	8.99	8.73	8.93	8.09	8.57	8.05
27.	Return on investments	8.78	8.37	10.22	9.49	8.86	7.82	9.96	8.01
28.	Return on advances adjusted to cost of funds	1.88	2.34	3.32	3.93	3.12	3.22	3.00	3.44
29.	Return on investments adjusted to cost of funds	3.04	3.48	4.55	4.68	3.05	2.96	4.40	3.41
30.	Business per employee (in Rs. lakh)	210.56	243.08	169.82	220.29	265.86	339.74	230.77	293.88
31.	Profit per employee (in Rs. lakh)	1.77	2.08	5.52	5.98	2.87	1.91	3.45	2.07
32.	Capital adequacy ratio	13.53	12.45	12.93	12.60	14.29	11.74	12.39	11.61
33.	Capital adequacy ratio - Tier I	8.34	8.04	9.03	7.95	8.42	7.58	8.31	6.67
34.	Capital adequacy ratio - Tier II	5.19	4.41	3.90	4.65	5.87	4.16	4.08	4.94
35.	Ratio of net NPA to net advances	3.48	2.65	1.24	1.61	0.65	0.61	0.00	1.00

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

									(in per cent)

					As on March 31

		State Bank of		State Bank of		State Bank of		State Bank of
			Mysore		Patiala	Saurashtra		Travancore

	Ratios	2004	2005	2004	2005	2004	2005	2004	2005

		(9)	(10)	(11)	(12)	(13)	(14)	(15)	(16)

1.	Cash-deposit ratio	6.41	6.93	4.84	6.30	6.88	6.76	4.86	8.55
2.	Credit-deposit ratio	56.90	64.64	58.23	57.97	49.09	53.23	56.45	61.53
3.	Investment-deposit ratio	49.50	42.67	49.44	46.47	54.77	48.25	54.65	43.89
4.	(Credit + investment)-deposit ratio	106.40	107.30	107.67	104.44	103.86	101.48	111.10	105.42
5.	Ratio of deposits to total liabilities	80.56	82.07	83.55	84.11	83.15	83.87	82.16	83.58
6.	Ratio of term deposits to total deposits	63.77	64.31	65.59	68.37	69.34	70.84	68.30	70.38
7.	Ratio of priority sector advances to total advances	36.52	40.45	39.39	44.04	42.67	38.96	37.22	38.36
8.	Ratio of term-loans to total advances	45.03	48.37	44.26	56.69	31.97	45.70	37.65	44.10
9.	Ratio of secured advances to total advances	94.74	91.90	87.28	83.56	87.54	77.35	86.67	83.26
10.	Ratio of investments in non-approved securities to total investments	11.13	7.71	8.32	5.59	6.78	5.61	4.45	3.27
11.	Ratio of Interest income to total assets	8.42	7.71	7.84	7.31	8.25	8.12	8.09	7.60
12.	Ratio of net interest margin to total assets	3.62	3.59	3.41	3.34	3.41	3.64	3.18	3.39
13.	Ratio of non-interest income to total assets	2.71	2.55	2.62	1.22	2.70	0.82	2.18	1.55
14.	Ratio of intermediation cost to total assets	2.95	3.16	1.86	1.64	2.29	1.82	2.10	1.90
15.	Ratio of wage bills to intermediation cost	71.68	69.02	62.64	61.40	59.88	64.99	70.01	67.15
16.	Ratio of wage bills to total expenses	27.26	30.00	18.56	17.98	19.22	18.79	20.99	20.90
17.	Ratio of wage bills to total income	18.97	21.28	11.16	11.82	12.52	13.24	14.33	13.97
18.	Ratio of burden to total assets	0.23	0.61	-0.75	0.42	-0.41	1.00	-0.08	0.36
19.	Ratio of burden to interest income	2.79	7.97	-9.61	5.78	-5.01	12.35	-1.01	4.69
20.	Ratio of operating profits to total assets	3.39	2.98	4.17	2.92	3.82	2.64	3.26	3.03
21.	Return on assets	1.28	1.25	1.60	0.91	1.38	0.27	1.02	0.86
22.	Return on equity	34.83	30.82	27.39	15.21	25.47	5.27	29.68	24.05
23.	Cost of deposits	5.64	4.77	5.21	4.64	5.73	5.17	5.59	4.79
24.	Cost of borrowings	0.91	2.58	2.26	3.79	0.80	1.61	0.56	1.37
25.	Cost of funds	5.51	4.73	5.14	4.62	5.49	4.95	5.54	4.76
26.	Return on advances	9.65	8.70	8.33	7.90	8.46	7.61	8.55	7.79
27.	Return on investments	9.37	8.46	8.31	7.85	9.63	9.70	8.80	8.58
28.	Return on advances adjusted to cost of funds	4.14	3.97	3.19	3.28	2.97	2.66	3.00	3.03
29.	Return on investments adjusted to cost of funds	3.86	3.73	3.16	3.23	4.15	4.76	3.26	3.82
30.	Business per employee (in Rs. lakh)	162.81	203.54	305.24	361.15	193.16	249.60	271.78	346.25
31.	Profit per employee (in Rs. lakh)	1.82	2.16	3.69	2.48	2.40	0.56	2.16	2.21
32.	Capital adequacy ratio	11.53	12.08	13.56	14.21	14.53	11.45	11.36	11.05
33.	Capital adequacy ratio - Tier I	7.18	7.12	9.87	11.05	10.99	8.68	6.23	6.17
34.	Capital adequacy ratio - Tier II	4.35	4.96	3.69	3.16	3.54	2.77	5.13	4.88
35.	Ratio of net NPA to net advances	2.96	0.92	0.00	1.23	0.00	1.40	1.39	1.81

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

											(in per cent)

						As on March 31

		Allahabad			Andhra			Bank of			Bank of
			Bank		Bank			Baroda			India

	Ratios	2004	2005	2004		2005	2004		2005	2004	2005

		(1)	(2)	(3)		(4)	(5)		(6)	(7)	(8)

1.	Cash-deposit ratio	6.85	5.95	8.91		7.53	4.19		3.33	5.96	4.95
2.	Credit-deposit ratio	48.74	51.89	56.17		63.58	48.79		53.36	64.58	71.06
3.	Investment-deposit ratio	49.42	46.58	44.97		38.64	52.10		45.58	38.26	35.78
4.	(Credit + investment)-deposit ratio	98.16	98.47	101.14	102.22		100.89		98.94	102.84	106.84
5.	Ratio of deposits to total liabilities	90.70	90.29	84.94		84.18	85.73		85.92	83.67	82.99
6.	Ratio of term deposits to total deposits	58.10	61.31	62.66		63.85	63.61		63.55	66.34	65.45
7.	Ratio of priority sector advances to total advances	41.93	43.40	37.19		39.44	27.88		28.26	28.26	28.34
8.	Ratio of term-loans to total advances	54.54	54.93	41.54		41.98	41.32		40.55	39.00	37.65
9.	Ratio of secured advances to total advances	86.03	87.59	91.19		88.03	87.93		84.81	81.93	80.30
10.	Ratio of investments in non-approved securities to total investments	20.96	14.99	12.55		16.12	24.33		20.82	32.07	29.16
11.	Ratio of Interest income to total assets	8.51	7.98	8.62		7.61	7.61		7.16	7.18	6.71
12.	Ratio of net interest margin to total assets	3.46	3.42	3.52		3.58	3.18		3.31	2.73	2.49
13.	Ratio of non-interest income to total assets	2.39	1.60	2.62		2.52	2.13		1.45	2.22	1.29
14.	Ratio of intermediation cost to total assets	3.06	2.33	2.55		2.78	2.24		2.21	2.17	2.15
15.	Ratio of wage bills to intermediation cost	58.28	58.17	62.18		65.05	69.38		69.67	66.94	65.37
16.	Ratio of wage bills to total expenses	21.99	19.68	20.73		26.53	23.28		25.41	21.93	22.06
17.	Ratio of wage bills to total income	16.35	14.16	14.09		17.82	15.92		17.85	15.45	17.58
18.	Ratio of burden to total assets	0.67	0.73	-0.08		0.25	0.11		0.75	-0.05	0.86
19.	Ratio of burden to interest income	7.85	9.15	-0.88		3.35	1.40		10.53	-0.70	12.87
20.	Ratio of operating profits to total assets	2.79	2.69	3.60		3.32	3.08		2.56	2.78	1.62
21.	Return on assets	1.34	1.20	1.72		1.59	1.20		0.75	1.25	0.38
22.	Return on equity	34.04	27.93	36.10		31.62	20.32		12.58	26.71	8.03
23.	Cost of deposits	5.41	4.89	5.63		4.47	4.83		4.21	4.56	4.19
24.	Cost of borrowings	1.60	2.46	3.46		2.80	6.49		2.42	7.39	5.79
25.	Cost of funds	5.40	4.88	5.54		4.42	4.85		4.18	4.73	4.29
26.	Return on advances	9.49	9.22	10.09		8.94	7.90		7.35	7.48	7.10
27.	Return on investments	9.33	8.47	9.13		7.85	8.60		7.96	8.03	7.68
28.	Return on advances adjusted to cost of funds	4.09	4.34	4.55		4.52	3.05		3.17	2.75	2.81
29.	Return on investments adjusted to cost of funds	3.93	3.58	3.59		3.44	3.75		3.78	3.30	3.39
30.	Business per employee (in Rs. lakh)	215.00	282.00	277.35	346.25		252.51	310.37		266.72	320.00
31.	Profit per employee (in Rs. lakh)	2.46	2.86	3.54		3.97	2.43		1.71	2.35	0.80
32.	Capital adequacy ratio	12.52	12.53	13.71		12.11	13.91		12.61	13.01	11.52
33.	Capital adequacy ratio - Tier I	6.26	6.46	8.17		8.03	8.47		8.21	7.47	7.05
34.	Capital adequacy ratio - Tier II	6.26	6.07	5.54		4.08	5.44		4.40	5.54	4.47
35.	Ratio of net NPA to net advances	2.37	1.28	0.93		0.28	2.99		1.45	4.50	2.77

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

										(in per cent)

						As on March 31

			Bank of		Canara		Central Bank of		Corporation
		Maharashtra			Bank			India		Bank

	Ratios	2004	2005	2004		2005	2004	2005	2004	2005

		(9)	(10)	(11)		(12)	(13)	(14)	(15)	(16)

1.	Cash-deposit ratio	17.16	7.38	7.98		5.14	6.13	9.17	7.31	7.05
2.	Credit-deposit ratio	44.36	45.28	55.17		62.35	40.79	44.90	59.89	68.10
3.	Investment-deposit ratio	52.72	50.20	41.45		39.27	56.17	50.76	46.07	37.68
4.	(Credit + investment)-deposit ratio	97.08	95.48	96.63		101.62	96.96	95.66	105.97	105.78
5.	Ratio of deposits to total liabilities	82.10	87.71	86.74		87.85	88.26	88.56	79.55	80.28
6.	Ratio of term deposits to total deposits	68.21	66.95	66.22		66.13	56.73	56.44	66.01	65.41
7.	Ratio of priority sector advances to total advances	35.29	41.18	33.90		33.74	43.52	44.78	35.85	34.75
8.	Ratio of term-loans to total advances	53.72	61.80	40.39		46.29	47.60	51.51	48.70	55.11
9.	Ratio of secured advances to total advances	65.97	75.07	86.11		81.25	96.26	87.36	86.96	82.91
10.	Ratio of investments in non-approved securities to total investments	11.43	10.54	18.95		21.75	18.89	18.09	17.16	17.50
11.	Ratio of Interest income to total assets	7.71	7.27	7.72		7.22	8.41	7.89	7.94	7.13
12.	Ratio of net interest margin to total assets	2.70	2.71	2.95		3.00	3.52	3.60	3.48	3.58
13.	Ratio of non-interest income to total assets	1.63	1.18	2.28		1.47	1.60	1.39	1.86	1.79
14.	Ratio of intermediation cost to total assets	1.96	2.21	2.09		2.01	2.59	2.56	2.07	2.02
15.	Ratio of wage bills to intermediation cost	66.24	71.29	67.13		65.44	75.98	75.78	49.58	44.42
16.	Ratio of wage bills to total expenses	18.64	23.28	20.47		21.13	26.30	28.29	15.71	16.10
17.	Ratio of wage bills to total income	13.91	18.66	14.02		15.14	19.63	20.86	10.46	10.05
18.	Ratio of burden to total assets	0.33	1.03	-0.19		0.54	0.99	1.16	0.21	0.23
19.	Ratio of burden to interest income	4.32	14.16	-2.52		7.46	11.72	14.71	2.58	3.22
20.	Ratio of operating profits to total assets	2.37	1.68	3.15		2.46	2.54	2.44	3.27	3.35
21.	Return on assets	0.95	0.54	1.34		1.01	0.98	0.53	1.96	1.40
22.	Return on equity	25.21	11.90	28.47		19.53	22.90	11.46	19.62	13.81
23.	Cost of deposits	5.58	5.05	5.20		4.60	5.20	4.63	5.30	4.27
24.	Cost of borrowings	0.72	1.91	3.16		4.20	3.81	2.19	2.11	2.74
25.	Cost of funds	5.50	4.98	5.19		4.60	5.20	4.63	5.18	4.20
26.	Return on advances	8.06	7.85	8.67		7.91	9.52	8.95	7.64	7.75
27.	Return on investments	9.83	8.94	9.04		8.28	9.25	8.59	10.24	8.40
28.	Return on advances adjusted to cost of funds	2.56	2.86	3.47		3.31	4.32	4.32	2.46	3.54
29.	Return on investments adjusted to cost of funds	4.33	3.95	3.85		3.68	4.06	3.96	5.06	4.20
30.	Business per employee (in Rs. lakh)	268.65	294.65	297.58		351.12	181.51	206.89	365.56	438.00
31.	Profit per employee (in Rs. lakh)	2.16	1.25	2.97		2.48	1.58	0.93	4.98	3.95
32.	Capital adequacy ratio	11.88	12.68	12.66		12.78	12.43	12.15	20.12	16.23
33.	Capital adequacy ratio - Tier I	7.03	7.10	7.81		7.29	6.23	6.08	16.52	13.55
34.	Capital adequacy ratio - Tier II	4.85	5.58	4.85		5.49	6.20	6.07	3.60	2.68
35.	Ratio of net NPA to net advances	2.46	2.15	2.89		1.88	5.57	2.98	1.80	1.12

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

												(in per cent)

							As on March 31

			Dena			IDBI			Indian		Indian Overseas
			Bank			Ltd. #			Bank			Bank

	Ratios	2004		2005	2004		2005	2004		2005	2004	2005

		(17)		(18)	(19)		(20)	(21)		(22)	(23)	(24)

1.	Cash-deposit ratio	6.72		7.41			15.73	9.34		5.64	10.44	9.44
2.	Credit-deposit ratio	51.29		56.27			300.70	46.40		52.80	48.92	56.97
3.	Investment-deposit ratio	53.06		48.25			165.90	54.84		51.48	48.63	42.98
4.	(Credit + investment)-deposit ratio	104.35		104.53			466.60	101.24	104.29		97.55	99.95
5.	Ratio of deposits to total liabilities	82.80		83.63			18.56	77.76		79.36	87.66	87.06
6.	Ratio of term deposits to total deposits	58.46		56.29			61.74	66.47		65.14	65.63	61.12
7.	Ratio of priority sector advances to total advances	40.54		38.97			9.51	38.20		42.93	39.13	39.16
8.	Ratio of term-loans to total advances	53.40		52.41			91.98	41.98		50.34	43.21	45.99
9.	Ratio of secured advances to total advances	92.59		87.21			91.83	87.26		87.60	91.70	94.38
10.	Ratio of investments in non-approved securities to total investments	18.87		15.45			40.54	13.69		12.09	14.56	15.66
11.	Ratio of Interest income to total assets	8.20		7.47			3.26	7.16		6.92	8.49	8.05
12.	Ratio of net interest margin to total assets	2.80		2.97			0.23	3.00		3.14	3.62	3.78
13.	Ratio of non-interest income to total assets	2.92		1.35			0.77	2.01		1.37	1.67	1.30
14.	Ratio of intermediation cost to total assets	2.36		2.38			0.56	2.85		2.20	2.29	2.36
15.	Ratio of wage bills to intermediation cost	67.88		64.53			34.70	81.24		69.72	74.23	72.80
16.	Ratio of wage bills to total expenses	20.63		22.35			5.39	33.03		25.69	23.77	25.92
17.	Ratio of wage bills to total income	14.40		17.44			4.80	25.27		18.54	16.76	18.37
18.	Ratio of burden to total assets	-0.56		1.04			-0.21	0.84		0.83	0.62	1.06
19.	Ratio of burden to interest income	-6.82		13.86			-6.52	11.80		12.04	7.30	13.13
20.	Ratio of operating profits to total assets	3.23		1.94			0.44	2.15		2.31	3.00	2.72
21.	Return on assets	1.11		0.26			0.78	1.21		1.08	1.08	1.28
22.	Return on equity	19.89		5.65			5.18	7.61		7.12	28.96	27.98
23.	Cost of deposits	6.15		5.10			2.35	5.24		4.62	5.26	4.65
24.	Cost of borrowings	1.25		2.77			0.10	7.57		6.63	5.40	4.42
25.	Cost of funds	6.07		5.06			0.62	5.27		4.65	5.26	4.64
26.	Return on advances	9.16		8.27			4.81	8.88		8.50	9.80	9.20
27.	Return on investments	9.52		8.35			1.58	9.23		8.33	9.38	9.04
28.	Return on advances adjusted to cost of funds	3.08		3.21			4.19	3.60		3.85	4.54	4.56
29.	Return on investments adjusted to cost of funds	3.44		3.29			0.96	3.95		3.68	4.12	4.40
30.	Business per employee (in Rs. lakh)	274.00		313.00		1,349.60		189.00	246.00		232.51	269.48
31.	Profit per employee (in Rs. lakh)	2.23		0.60			6.85	1.85		1.87	2.10	2.66
32.	Capital adequacy ratio	9.48		11.91			15.51	12.82		14.14	12.49	14.20
33.	Capital adequacy ratio - Tier I	5.19		6.63			11.93	7.66		7.60	6.74	7.10
34.	Capital adequacy ratio - Tier II	4.29		5.28			3.58	5.16		6.54	5.75	7.10
35.	Ratio of net NPA to net advances	9.40		5.23			1.74	2.71		1.35	2.85	1.27

Note : # : See ‘Explanatory Notes’. Source : Compiled from annual accounts of banks of respective years.

									(in per cent)

					As on March 31

		Oriental Bank of		Punjab & Sind		Punjab National		Syndicate
		Commerce			Bank		Bank		Bank

	Ratios	2004	2005	2004	2005	2004	2005	2004	2005

		(25)	(26)	(27)	(28)	(29)	(30)	(31)	(32)

1.	Cash-deposit ratio	7.38	13.48	7.82	6.68	7.67	9.17	10.58	5.81
2.	Credit-deposit ratio	55.17	52.87	44.20	44.61	53.72	58.56	48.48	57.74
3.	Investment-deposit ratio	47.08	38.33	49.67	49.97	47.92	49.12	42.07	44.00
4.	(Credit + investment)-deposit ratio	102.25	91.20	93.88	94.59	101.63	107.68	90.56	101.74
5.	Ratio of deposits to total liabilities	86.99	88.50	90.88	90.16	85.91	81.72	90.18	88.84
6.	Ratio of term deposits to total deposits	71.44	71.75	58.49	53.17	54.13	53.66	66.10	62.95
7.	Ratio of priority sector advances to total advances	38.05	37.42	47.18	46.56	43.91	46.79	32.57	36.27
8.	Ratio of term-loans to total advances	54.25	59.90	41.39	40.87	47.88	47.61	42.16	49.63
9.	Ratio of secured advances to total advances	83.87	88.63	96.84	95.14	89.97	84.92	73.98	74.61
10.	Ratio of investments in non-approved securities to total investments	23.13	18.29	18.32	11.71	15.94	14.34	9.23	7.56
11.	Ratio of Interest income to total assets	8.80	7.51	8.67	8.13	8.25	7.40	7.56	7.57
12.	Ratio of net interest margin to total assets	3.88	3.21	3.34	3.73	3.84	3.51	3.50	3.41
13.	Ratio of non-interest income to total assets	1.92	1.06	1.73	1.67	1.98	1.47	1.90	1.14
14.	Ratio of intermediation cost to total assets	1.72	1.67	4.06	3.72	2.51	2.60	2.82	2.55
15.	Ratio of wage bills to intermediation cost	56.85	49.88	80.11	80.05	69.77	71.30	75.70	76.04
16.	Ratio of wage bills to total expenses	14.72	13.96	34.68	36.66	25.35	28.56	31.05	28.89
17.	Ratio of wage bills to total income	9.11	9.73	31.30	30.38	17.15	20.93	22.57	22.24
18.	Ratio of burden to total assets	-0.21	0.61	2.33	2.05	0.53	1.14	0.92	1.41
19.	Ratio of burden to interest income	-2.34	8.13	26.88	25.21	6.48	15.36	12.16	18.62
20.	Ratio of operating profits to total assets	4.09	2.59	1.01	1.68	3.31	2.37	2.58	2.00
21.	Return on assets	1.70	1.40	0.06	-0.45	1.08	1.12	1.67	0.82
22.	Return on equity	28.67	25.34	1.92	-15.67	24.52	21.41	24.92	19.64
23.	Cost of deposits	5.46	4.71	5.63	4.65	4.80	4.36	4.42	4.50
24.	Cost of borrowings	0.81	2.65	5.80	24.46	1.37	2.08	2.47	2.40
25.	Cost of funds	5.35	4.67	5.63	4.66	4.76	4.31	4.41	4.49
26.	Return on advances	9.00	8.06	10.01	9.81	8.86	7.89	8.61	8.62
27.	Return on investments	10.35	9.52	9.75	8.82	9.67	8.56	8.63	8.20
28.	Return on advances adjusted to cost of funds	3.65	3.39	4.38	5.16	4.11	3.58	4.20	4.13
29.	Return on investments adjusted to cost of funds	4.99	4.85	4.12	4.16	4.91	4.25	4.21	3.70
30.	Business per employee (in Rs. lakh)	416.00	515.00	205.08	217.57	228.22	276.87	240.31	280.22
31.	Profit per employee (in Rs. lakh)	5.10	5.20	0.09	-0.74	1.88	2.42	1.62	1.53
32.	Capital adequacy ratio	14.47	9.21	11.06	9.46	13.10	14.78	11.49	10.70
33.	Capital adequacy ratio - Tier I	9.87	5.42	6.38	5.26	7.01	8.87	6.75	6.10
34.	Capital adequacy ratio - Tier II	4.60	3.79	4.68	4.20	6.09	5.91	4.74	4.60
35.	Ratio of net NPA to net advances	0.00	1.29	9.62	8.11	0.98	0.20	2.58	1.59

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

							(in per cent)

					As on March 31

		UCO		Union Bank of		United Bank of			Vijaya
		Bank			India		India		Bank

	Ratios	2004	2005	2004	2005	2004	2005	2004	2005

		(33)	(34)	(35)	(36)	(37)	(38)	(39)	(40)

1.	Cash-deposit ratio	5.97	6.02	4.75	5.90	4.67	6.27	4.17	5.00
2.	Credit-deposit ratio	52.56	55.90	58.20	64.86	34.99	44.93	52.56	55.96
3.	Investment-deposit ratio	44.88	38.54	44.39	36.86	61.15	56.82	51.57	47.11
4.	(Credit + investment)-deposit ratio	97.44	94.44	102.59	101.73	96.14	101.75	104.13	103.07
5.	Ratio of deposits to total liabilities	89.60	90.62	86.70	85.39	88.06	87.11	87.30	87.33
6.	Ratio of term deposits to total deposits	67.60	70.77	64.22	67.32	55.17	53.42	69.18	67.44
7.	Ratio of priority sector advances to total advances	31.75	36.21	39.37	42.50	33.91	33.97	40.28	39.92
8.	Ratio of term-loans to total advances	49.26	51.66	38.91	41.07	57.38	57.34	51.54	56.61
9.	Ratio of secured advances to total advances	91.33	89.07	87.89	81.26	88.13	92.87	82.92	76.58
10.	Ratio of investments in non-approved securities to total investments	22.19	17.06	25.94	28.00	14.24	13.29	16.14	12.51
11.	Ratio of Interest income to total assets	7.87	7.21	8.26	7.60	8.27	7.77	8.99	7.84
12.	Ratio of net interest margin to total assets	3.04	2.86	3.17	3.16	3.12	3.33	3.88	3.69
13.	Ratio of non-interest income to total assets	1.59	1.05	1.52	1.17	2.02	1.74	2.44	1.32
14.	Ratio of intermediation cost to total assets	2.21	2.24	1.98	1.92	2.68	2.56	2.31	2.06
15.	Ratio of wage bills to intermediation cost	76.59	77.90	66.49	64.13	76.57	70.68	66.61	58.05
16.	Ratio of wage bills to total expenses	24.07	26.49	18.66	19.37	26.21	25.90	20.72	19.22
17.	Ratio of wage bills to total income	17.94	21.16	13.49	14.06	19.98	19.06	13.45	13.02
18.	Ratio of burden to total assets	0.63	1.19	0.46	0.75	0.67	0.82	-0.13	0.73
19.	Ratio of burden to interest income	7.95	16.57	5.61	9.89	8.07	10.58	-1.44	9.34
20.	Ratio of operating profits to total assets	2.41	1.66	2.71	2.41	2.45	2.51	4.01	2.95
21.	Return on assets	1.13	0.73	1.22	1.10	1.25	1.04	1.91	1.43
22.	Return on equity	29.14	18.04	25.19	21.46	16.07	15.33	38.32	26.02
23.	Cost of deposits	5.18	4.62	5.52	4.82	5.82	4.98	5.53	4.60
24.	Cost of borrowings	4.53	4.17	0.45	1.41	0.72	0.36	0.30	0.16
25.	Cost of funds	5.17	4.61	5.45	4.74	5.81	4.97	5.45	4.51
26.	Return on advances	8.84	7.96	8.79	8.25	8.75	8.67	10.28	9.04
27.	Return on investments	8.52	8.08	9.27	8.42	9.95	8.80	9.44	7.82
28.	Return on advances adjusted to cost of funds	3.68	3.35	3.34	3.52	2.95	3.70	4.83	4.53
29.	Return on investments adjusted to cost of funds	3.36	3.47	3.82	3.69	4.14	3.83	4.00	3.32
30.	Business per employee (in Rs. lakh)	249.00	321.00	286.48	346.72	169.00	208.00	249.39	312.89
31.	Profit per employee (in Rs. lakh)	1.79	1.43	2.78	2.81	1.76	1.72	3.73	3.48
32.	Capital adequacy ratio	11.88	11.26	12.32	12.09	17.04	18.16	14.11	12.92
33.	Capital adequacy ratio - Tier I	6.08	5.75	6.47	6.07	15.04	14.15	8.37	7.59
34.	Capital adequacy ratio - Tier II	5.80	5.51	5.85	6.02	2.00	4.01	5.74	5.33
35.	Ratio of net NPA to net advances	3.65	76.00	2.87	2.64	3.75	2.43	0.91	0.59

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

							(in per cent)

					As on March 31

		ABN Amro		Abu-Dhabi Commercial		American Express		Antwerp Diamond
			Bank		Bank		Bank		Bank

	Ratios	2004	2005	2004	2005	2004	2005	2004	2005

		(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)

1.	Cash-deposit ratio	8.69	6.92	4.53	2.75	4.90	3.32	29.61	41.11
2.	Credit-deposit ratio	114.35	139.00	9.23	5.40	45.28	65.48	669.97	861.14
3.	Investment-deposit ratio	49.82	47.06	74.55	75.63	29.13	33.07	215.63	326.13
4.	(Credit + investment)-deposit ratio	164.16	186.06	83.78	81.03	74.40	98.56	885.60	1,187.27
5.	Ratio of deposits to total liabilities	55.20	45.97	92.82	85.22	81.93	74.96	8.85	7.56
6.	Ratio of term deposits to total deposits	43.75	42.46	93.06	91.61	75.30	64.72	15.55	17.10
7.	Ratio of priority sector advances to total advances	28.25	32.25	15.26	30.56	11.97	24.46	99.64	99.73
8.	Ratio of term-loans to total advances	31.16	37.88	17.64	28.39	34.42	47.88	0.36	0.27
9.	Ratio of secured advances to total advances	83.44	71.86	85.69	98.91	40.45	40.48	99.94	99.96
10.	Ratio of investments in non-approved securities to total investments	23.48	5.06	54.34	56.66	29.06	14.28	0.00	0.00
11.	Ratio of Interest income to total assets	7.62	6.98	8.45	7.67	9.31	8.40	5.43	4.51
12.	Ratio of net interest margin to total assets	4.49	4.41	0.84	0.61	3.87	3.69	4.01	2.82
13.	Ratio of non-interest income to total assets	3.80	3.35	0.43	2.07	6.70	7.81	0.92	0.75
14.	Ratio of intermediation cost to total assets	4.70	4.36	0.57	2.42	7.52	9.09	1.86	1.30
15.	Ratio of wage bills to intermediation cost	27.61	31.25	38.48	17.46	37.83	36.66	37.62	37.29
16.	Ratio of wage bills to total expenses	16.59	19.67	2.67	4.46	21.97	24.15	21.27	16.22
17.	Ratio of wage bills to total income	11.38	13.19	2.46	4.35	17.78	20.57	11.00	9.24
18.	Ratio of burden to total assets	0.91	1.01	0.13	0.35	0.82	1.28	0.94	0.56
19.	Ratio of burden to interest income	11.93	14.49	1.59	4.60	8.84	15.29	17.30	12.34
20.	Ratio of operating profits to total assets	3.58	3.40	0.71	0.26	3.05	2.41	3.07	2.26
21.	Return on assets	1.84	1.27	0.50	-2.57	-0.69	0.55	1.18	1.00
22.	Return on equity	18.66	15.63	14.33	-70.06	-9.49	6.10	4.99	5.35
23.	Cost of deposits	1.61	1.69	8.06	7.90	6.41	5.79	0.71	0.64
24.	Cost of borrowings	6.40	5.00	13.93	0.81	4.51	1.75	1.26	1.85
25.	Cost of funds	3.28	2.94	8.08	7.67	6.26	5.57	1.14	1.70
26.	Return on advances	7.95	7.51	10.50	7.39	15.88	14.06	5.82	4.22
27.	Return on investments	8.32	7.91	9.75	9.37	8.22	5.56	7.51	7.91
28.	Return on advances adjusted to cost of funds	4.67	4.57	2.43	-0.28	9.62	8.49	4.68	2.52
29.	Return on investments adjusted to cost of funds	5.04	4.97	1.67	1.71	1.96	-0.01	6.36	6.21
30.	Business per employee (in Rs. lakh)	891.45	823.70	1,161.64	1,061.10	285.00	237.53	1,723.61	2,267.01
31.	Profit per employee (in Rs. lakh)	15.22	10.24	12.20	-77.24	-1.67	1.05	32.85	33.40
32.	Capital adequacy ratio	13.48	10.55	14.22	14.38	10.74	10.87	53.22	39.99
33.	Capital adequacy ratio - Tier I	11.49	7.89	12.07	12.03	10.34	10.23	36.28	26.81
34.	Capital adequacy ratio - Tier II	1.99	2.66	2.15	2.35	0.40	0.64	16.94	13.18
35.	Ratio of net NPA to net advances	0.88	0.35	27.39	12.73	5.68	0.99	0.00	0.00
Source : Compiled from annual accounts of banks of respective years.