(in per cent) |
|
|
As on March 31 |
|
|
State |
State Bank of |
State |
State |
|
Ratios |
Bank of |
Bikaner |
Bank of |
Bank of |
|
|
India |
& Jaipur |
Hyderabad |
Indore |
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. |
Cash-deposit ratio |
4.58 |
5.70 |
4.86 |
7.52 |
4.81 |
6.69 |
4.10 |
6.88 |
2. |
Credit-deposit ratio |
55.14 |
68.84 |
63.22 |
73.27 |
53.92 |
61.32 |
65.48 |
71.28 |
3. |
Investment-deposit ratio |
53.70 |
42.77 |
43.92 |
36.57 |
50.33 |
41.90 |
42.72 |
30.68 |
4. |
(Credit + Investment) - deposit ratio |
108.83 |
111.61 |
107.14 |
109.84 |
104.25 |
103.22 |
108.20 |
101.96 |
5. |
Ratio of deposits to total liabilities |
79.81 |
76.95 |
81.26 |
78.85 |
82.84 |
83.74 |
81.71 |
80.44 |
6. |
Ratio of term deposits to total deposits |
58.72 |
52.45 |
56.88 |
57.94 |
67.37 |
65.66 |
69.17 |
69.17 |
7. |
Ratio of priority sector advances to total advances |
28.59 |
30.58 |
45.16 |
41.30 |
39.69 |
41.68 |
43.69 |
42.85 |
8. |
Ratio of term loan to total advances |
52.87 |
53.89 |
42.91 |
48.08 |
54.84 |
58.14 |
54.04 |
55.69 |
9. |
Ratio of secured advances to total advances |
77.06 |
76.74 |
87.43 |
88.23 |
78.54 |
80.12 |
89.16 |
88.61 |
10. |
Ratio of investments in non-approved securites
to total investments |
11.13 |
14.98 |
4.38 |
4.39 |
6.97 |
5.54 |
4.27 |
8.53 |
11. |
Ratio of interest income to total assets |
7.47 |
7.51 |
7.97 |
7.72 |
7.09 |
7.28 |
7.41 |
7.03 |
12. |
Ratio of net interest margin to total assets |
3.21 |
3.28 |
3.98 |
3.90 |
2.94 |
2.90 |
3.35 |
2.88 |
13. |
Ratio of non-interest income to total assets |
1.64 |
1.55 |
2.21 |
1.41 |
1.29 |
1.56 |
1.19 |
1.47 |
14. |
Ratio of intermediation cost to total assets |
2.32 |
2.46 |
2.85 |
2.98 |
2.05 |
2.16 |
2.19 |
2.11 |
15. |
Ratio of wage bills to intermediation cost |
68.56 |
69.28 |
66.73 |
65.03 |
59.22 |
65.10 |
59.48 |
53.94 |
16. |
Ratio of wage bills to total expense |
24.19 |
25.48 |
27.79 |
28.52 |
19.53 |
21.51 |
20.87 |
18.18 |
17. |
Ratio of wage bills to total income |
17.47 |
18.81 |
18.68 |
21.25 |
14.46 |
15.91 |
15.16 |
13.40 |
18. |
Ratio of burden to total assets |
0.68 |
0.91 |
0.64 |
1.57 |
0.76 |
0.60 |
1.00 |
0.65 |
19. |
Ratio of burden to interest income |
9.11 |
12.11 |
8.00 |
20.38 |
10.72 |
8.23 |
13.53 |
9.18 |
20. |
Ratio of operating profits to total assets |
2.53 |
2.37 |
3.34 |
2.33 |
2.18 |
2.30 |
2.35 |
2.23 |
21. |
Return on assets |
0.99 |
0.89 |
0.88 |
0.53 |
0.79 |
1.13 |
0.92 |
0.76 |
22. |
Return on equity |
19.43 |
17.04 |
16.81 |
10.73 |
15.03 |
22.01 |
15.73 |
14.48 |
23. |
Cost of deposits |
5.01 |
4.78 |
4.84 |
4.50 |
4.90 |
4.98 |
4.70 |
4.61 |
24. |
Cost of borrowings |
2.51 |
4.10 |
3.65 |
3.58 |
3.84 |
5.45 |
2.02 |
3.27 |
25. |
Cost of funds |
4.90 |
4.74 |
4.80 |
4.46 |
4.87 |
4.99 |
4.54 |
4.51 |
26. |
Return on advances |
7.24 |
7.63 |
8.72 |
8.59 |
8.09 |
8.15 |
8.05 |
8.09 |
27. |
Return on investments |
8.37 |
7.77 |
9.49 |
8.85 |
7.82 |
8.21 |
8.01 |
7.76 |
28. |
Return on advances adjusted to cost of funds |
2.34 |
2.89 |
3.92 |
4.12 |
3.22 |
3.16 |
3.51 |
3.58 |
29. |
Return on investments adjusted to cost of funds |
3.48 |
3.03 |
4.68 |
4.38 |
2.96 |
3.22 |
3.47 |
3.25 |
30. |
Business per employee (in Rs. lakh) |
243.08 |
299.23 |
220.29 |
276.85 |
339.74 |
414.34 |
293.88 |
429.32 |
31. |
Profit per employee (in Rs. lakh) |
2.08 |
2.17 |
1.69 |
1.20 |
1.91 |
3.26 |
2.07 |
2.09 |
32. |
Capital adequacy ratio |
12.45 |
11.88 |
12.60 |
12.08 |
11.74 |
12.08 |
11.61 |
11.40 |
33. |
Capital adequacy ratio - Tier I |
8.04 |
9.36 |
7.95 |
8.50 |
7.58 |
8.95 |
6.67 |
7.55 |
34. |
Capital adequacy ratio - Tier II |
4.41 |
2.52 |
4.65 |
3.58 |
4.16 |
3.13 |
4.94 |
3.85 |
35. |
Ratio of net NPA to net advances |
2.65 |
1.87 |
1.61 |
1.18 |
0.61 |
0.36 |
1.00 |
1.83 |
Source: Annual accounts of banks |
|
|
|
|
|
|
|
|
(in per cent) |
|
|
As on March 31 |
|
|
State |
State |
State |
State |
|
Ratios |
Bank of Mysore |
Bank of Patiala |
Bank of Saurashtra |
Bank of Travancore |
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. |
Cash-deposit ratio |
6.93 |
4.56 |
6.30 |
4.47 |
6.76 |
5.97 |
8.55 |
4.76 |
2. |
Credit-deposit ratio |
64.64 |
71.81 |
57.97 |
65.66 |
53.23 |
61.00 |
61.53 |
72.57 |
3. |
Investment-deposit ratio |
42.67 |
34.78 |
46.47 |
38.08 |
48.25 |
42.81 |
43.89 |
40.89 |
4. |
(Credit + Investment) - deposit ratio |
107.30 |
106.59 |
104.44 |
103.74 |
101.48 |
103.81 |
105.42 |
113.46 |
5. |
Ratio of deposits to total liabilities |
82.07 |
84.65 |
84.11 |
81.56 |
83.79 |
83.74 |
83.58 |
81.59 |
6. |
Ratio of term deposits to total deposits |
64.31 |
64.49 |
68.37 |
70.42 |
70.84 |
63.64 |
70.38 |
69.60 |
7. |
Ratio of priority sector advances to total advances |
40.45 |
42.45 |
44.04 |
37.87 |
38.96 |
41.61 |
38.36 |
41.10 |
8. |
Ratio of term loan to total advances |
48.37 |
56.60 |
56.69 |
59.61 |
45.70 |
46.98 |
44.10 |
47.86 |
9. |
Ratio of secured advances to total advances |
91.90 |
86.09 |
83.56 |
84.83 |
77.35 |
76.15 |
83.26 |
85.98 |
10. |
Ratio of investments in non-approved securites
to total investments |
7.71 |
6.26 |
5.59 |
5.88 |
5.61 |
8.14 |
3.27 |
4.29 |
11. |
Ratio of interest income to total assets |
7.75 |
7.50 |
7.31 |
6.75 |
8.12 |
7.45 |
7.60 |
7.57 |
12. |
Ratio of net interest margin to total assets |
3.63 |
3.41 |
3.34 |
2.73 |
3.64 |
3.03 |
3.39 |
3.15 |
13. |
Ratio of non-interest income to total assets |
2.51 |
1.93 |
1.22 |
0.95 |
0.95 |
0.86 |
1.55 |
1.16 |
14. |
Ratio of intermediation cost to total assets |
3.16 |
2.90 |
1.64 |
1.68 |
1.82 |
1.95 |
1.90 |
2.08 |
15. |
Ratio of wage bills to intermediation cost |
69.02 |
56.87 |
61.40 |
60.84 |
64.99 |
74.41 |
67.15 |
64.02 |
16. |
Ratio of wage bills to total expense |
30.00 |
23.57 |
17.98 |
17.92 |
18.79 |
22.81 |
20.90 |
20.49 |
17. |
Ratio of wage bills to total income |
21.28 |
17.48 |
11.82 |
13.25 |
13.04 |
17.49 |
13.97 |
15.28 |
18. |
Ratio of burden to total assets |
0.65 |
0.97 |
0.42 |
0.73 |
0.87 |
1.09 |
0.36 |
0.93 |
19. |
Ratio of burden to interest income |
8.45 |
12.91 |
5.78 |
10.75 |
10.67 |
14.69 |
4.69 |
12.24 |
20. |
Ratio of operating profits to total assets |
2.98 |
2.44 |
2.92 |
2.01 |
2.78 |
1.94 |
3.03 |
2.22 |
21. |
Return on assets |
1.25 |
1.23 |
0.91 |
0.73 |
0.31 |
0.31 |
0.86 |
0.86 |
22. |
Return on equity |
30.82 |
25.62 |
15.21 |
14.26 |
5.27 |
6.79 |
24.05 |
21.02 |
23. |
Cost of deposits |
4.74 |
4.51 |
4.64 |
4.59 |
5.17 |
4.97 |
4.79 |
5.00 |
24. |
Cost of borrowings |
2.58 |
4.30 |
3.79 |
6.89 |
1.61 |
3.62 |
1.37 |
0.34 |
25. |
Cost of funds |
4.69 |
4.51 |
4.62 |
4.66 |
4.95 |
4.88 |
4.76 |
4.89 |
26. |
Return on advances |
8.70 |
8.50 |
7.90 |
8.03 |
7.61 |
7.62 |
7.79 |
7.90 |
27. |
Return on investments |
8.57 |
7.66 |
7.85 |
7.11 |
9.70 |
9.11 |
8.58 |
8.47 |
28. |
Return on advances adjusted to cost of funds |
4.01 |
4.00 |
3.28 |
3.37 |
2.66 |
2.74 |
3.03 |
3.01 |
29. |
Return on investments adjusted to cost of funds |
3.87 |
3.15 |
3.23 |
2.45 |
4.76 |
4.23 |
3.82 |
3.59 |
30. |
Business per employee (in Rs. lakh) |
203.54 |
289.93 |
361.15 |
493.01 |
263.06 |
303.94 |
346.25 |
381.19 |
31. |
Profit per employee (in Rs. lakh) |
2.16 |
2.22 |
2.48 |
2.66 |
0.56 |
0.64 |
2.21 |
2.34 |
32. |
Capital adequacy ratio |
12.08 |
11.37 |
14.21 |
13.55 |
11.45 |
12.03 |
11.05 |
11.15 |
33. |
Capital adequacy ratio - Tier I |
7.12 |
7.44 |
11.05 |
9.84 |
8.68 |
9.02 |
6.17 |
7.24 |
34. |
Capital adequacy ratio - Tier II |
4.96 |
3.93 |
3.16 |
3.71 |
2.77 |
3.01 |
4.88 |
3.91 |
35. |
Ratio of net NPA to net advances |
0.92 |
0.74 |
1.23 |
0.99 |
1.40 |
1.16 |
1.81 |
1.47 |
Source: Annual accounts of banks |
|
|
|
|
|
|
|
|
(in per cent) |
|
|
As on March 31 |
|
|
Allahabad |
Andhra |
Bank |
Bank |
|
Ratios |
Bank |
Bank |
of Baroda |
of India |
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. |
Cash-deposit ratio |
5.95 |
5.49 |
7.53 |
11.38 |
3.33 |
3.56 |
4.95 |
5.95 |
2. |
Credit-deposit ratio |
51.89 |
60.10 |
63.58 |
65.15 |
53.36 |
63.97 |
70.45 |
69.38 |
3. |
Investment-deposit ratio |
46.58 |
37.08 |
38.64 |
33.74 |
45.58 |
37.49 |
36.39 |
33.83 |
4. |
(Credit + Investment) - deposit ratio |
98.47 |
97.18 |
102.22 |
98.89 |
98.94 |
101.46 |
106.84 |
103.22 |
5. |
Ratio of deposits to total liabilities |
90.29 |
87.72 |
84.18 |
83.41 |
85.92 |
82.60 |
82.99 |
83.66 |
6. |
Ratio of term deposits to total deposits |
61.31 |
60.72 |
63.85 |
63.69 |
63.55 |
62.06 |
65.45 |
64.98 |
7. |
Ratio of priority sector advances to total advances |
43.40 |
41.91 |
39.44 |
37.26 |
28.26 |
29.36 |
28.59 |
31.50 |
8. |
Ratio of term loan to total advances |
54.93 |
54.30 |
41.98 |
41.73 |
40.55 |
39.08 |
38.16 |
37.74 |
9. |
Ratio of secured advances to total advances |
87.59 |
88.40 |
88.03 |
83.76 |
84.81 |
80.61 |
81.00 |
82.47 |
10. |
Ratio of investments in non-approved securites
to total investments |
14.99 |
18.47 |
16.12 |
13.47 |
20.82 |
25.16 |
30.36 |
28.44 |
11. |
Ratio of interest income to total assets |
7.98 |
7.50 |
7.64 |
7.29 |
7.16 |
6.83 |
6.71 |
6.78 |
12. |
Ratio of net interest margin to total assets |
3.42 |
3.14 |
3.58 |
3.19 |
3.31 |
3.10 |
2.49 |
2.54 |
13. |
Ratio of non-interest income to total assets |
1.60 |
1.21 |
2.52 |
1.25 |
1.46 |
1.15 |
1.29 |
1.14 |
14. |
Ratio of intermediation cost to total assets |
2.68 |
2.31 |
2.78 |
2.34 |
2.20 |
2.29 |
2.15 |
2.04 |
15. |
Ratio of wage bills to intermediation cost |
63.59 |
58.72 |
65.05 |
57.45 |
69.76 |
63.90 |
65.37 |
62.79 |
16. |
Ratio of wage bills to total expense |
23.53 |
20.33 |
26.42 |
20.86 |
25.41 |
24.34 |
22.06 |
20.40 |
17. |
Ratio of wage bills to total income |
17.79 |
15.57 |
17.78 |
15.74 |
17.83 |
18.38 |
17.58 |
16.17 |
18. |
Ratio of burden to total assets |
1.08 |
1.10 |
0.25 |
1.09 |
0.74 |
1.15 |
0.86 |
0.90 |
19. |
Ratio of burden to interest income |
13.51 |
14.69 |
3.34 |
14.95 |
10.36 |
16.80 |
12.87 |
13.24 |
20. |
Ratio of operating profits to total assets |
2.34 |
2.04 |
3.32 |
2.10 |
2.57 |
1.95 |
1.62 |
1.64 |
21. |
Return on assets |
1.33 |
1.42 |
1.59 |
1.38 |
0.75 |
0.79 |
0.38 |
0.68 |
22. |
Return on equity |
27.93 |
23.67 |
31.62 |
20.52 |
12.58 |
12.28 |
8.03 |
14.85 |
23. |
Cost of deposits |
4.89 |
4.74 |
4.47 |
4.52 |
4.21 |
4.02 |
4.17 |
4.05 |
24. |
Cost of borrowings |
2.46 |
7.14 |
3.73 |
6.48 |
2.42 |
4.41 |
6.07 |
6.11 |
25. |
Cost of funds |
4.88 |
4.74 |
4.45 |
4.57 |
4.18 |
4.03 |
4.29 |
4.18 |
26. |
Return on advances |
9.22 |
8.71 |
8.99 |
8.90 |
7.35 |
7.31 |
7.13 |
7.58 |
27. |
Return on investments |
8.47 |
8.05 |
7.85 |
7.16 |
7.96 |
8.19 |
7.62 |
7.15 |
28. |
Return on advances adjusted to cost of funds |
4.34 |
3.97 |
4.55 |
4.33 |
3.17 |
3.28 |
2.84 |
3.40 |
29. |
Return on investments adjusted to cost of funds |
3.58 |
3.31 |
3.41 |
2.59 |
3.78 |
4.16 |
3.33 |
2.97 |
30. |
Business per employee (in Rs. lakh) |
282.00 |
336.00 |
346.25 |
426.75 |
316.00 |
396.00 |
320.00 |
381.00 |
31. |
Profit per employee (in Rs. lakh) |
2.86 |
3.69 |
3.97 |
3.69 |
1.71 |
2.13 |
0.80 |
1.66 |
32. |
Capital adequacy ratio |
12.53 |
13.37 |
12.11 |
14.00 |
12.61 |
13.65 |
11.52 |
10.75 |
33. |
Capital adequacy ratio - Tier I |
6.46 |
9.53 |
8.03 |
12.20 |
8.21 |
10.98 |
7.05 |
6.75 |
34. |
Capital adequacy ratio - Tier II |
6.07 |
3.84 |
4.08 |
1.80 |
4.40 |
2.67 |
4.47 |
4.00 |
35. |
Ratio of net NPA to net advances |
1.28 |
0.84 |
0.28 |
0.24 |
1.45 |
0.87 |
2.80 |
1.49 |
Source: Annual accounts of banks |
|
|
|
|
|
|
|
|
(in per cent) |
|
|
As on March 31 |
|
|
Bank |
Canara |
Central |
Corporation |
|
Ratios |
of Maharashtra |
Bank |
Bank of India |
Bank |
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. |
Cash-deposit ratio |
7.38 |
6.96 |
5.15 |
6.78 |
9.17 |
5.09 |
7.05 |
4.99 |
2. |
Credit-deposit ratio |
45.28 |
61.21 |
62.42 |
68.00 |
44.90 |
56.38 |
68.10 |
72.89 |
3. |
Investment-deposit ratio |
50.20 |
42.20 |
39.31 |
31.66 |
50.76 |
43.08 |
37.68 |
32.40 |
4. |
(Credit + Investment) - deposit ratio |
95.48 |
103.41 |
101.74 |
99.65 |
95.66 |
99.46 |
105.78 |
105.29 |
5. |
Ratio of deposits to total liabilities |
87.71 |
86.20 |
87.75 |
87.94 |
88.56 |
89.02 |
80.28 |
81.16 |
6. |
Ratio of term deposits to total deposits |
66.95 |
57.17 |
66.21 |
66.71 |
56.44 |
53.20 |
65.41 |
65.67 |
7. |
Ratio of priority sector advances to total advances |
41.18 |
41.65 |
33.74 |
37.68 |
44.78 |
43.48 |
34.75 |
33.27 |
8. |
Ratio of term loan to total advances |
61.80 |
62.97 |
46.29 |
45.31 |
51.51 |
57.42 |
55.11 |
57.45 |
9. |
Ratio of secured advances to total advances |
75.07 |
75.23 |
81.25 |
74.25 |
87.36 |
84.33 |
82.91 |
83.75 |
10. |
Ratio of investments in non-approved securites
to total investments |
10.54 |
13.69 |
21.75 |
15.39 |
18.09 |
15.65 |
17.50 |
15.34 |
11. |
Ratio of interest income to total assets |
7.27 |
7.33 |
7.22 |
7.17 |
7.89 |
7.52 |
7.13 |
7.06 |
12. |
Ratio of net interest margin to total assets |
2.71 |
2.64 |
3.01 |
2.95 |
3.60 |
3.32 |
3.58 |
3.30 |
13. |
Ratio of non-interest income to total assets |
1.18 |
0.55 |
1.47 |
1.13 |
1.39 |
0.74 |
1.79 |
1.54 |
14. |
Ratio of intermediation cost to total assets |
2.21 |
2.06 |
2.01 |
1.93 |
2.56 |
2.40 |
2.11 |
2.01 |
15. |
Ratio of wage bills to intermediation cost |
71.29 |
64.45 |
65.44 |
64.56 |
75.78 |
74.33 |
46.92 |
48.68 |
16. |
Ratio of wage bills to total expense |
23.28 |
19.64 |
21.13 |
20.27 |
28.29 |
27.02 |
17.51 |
16.94 |
17. |
Ratio of wage bills to total income |
18.66 |
16.80 |
15.14 |
15.02 |
20.86 |
21.56 |
11.12 |
11.37 |
18. |
Ratio of burden to total assets |
1.03 |
1.50 |
0.54 |
0.80 |
1.16 |
1.65 |
0.32 |
0.47 |
19. |
Ratio of burden to interest income |
14.16 |
20.49 |
7.46 |
11.13 |
14.71 |
22.01 |
4.55 |
6.67 |
20. |
Ratio of operating profits to total assets |
1.68 |
1.14 |
2.47 |
2.15 |
2.44 |
1.67 |
3.26 |
2.83 |
21. |
Return on assets |
0.54 |
0.16 |
1.01 |
1.01 |
0.53 |
0.37 |
1.12 |
1.24 |
22. |
Return on equity |
11.90 |
3.26 |
19.53 |
20.29 |
11.46 |
7.68 |
13.81 |
13.82 |
23. |
Cost of deposits |
5.05 |
4.95 |
4.60 |
4.52 |
4.63 |
4.53 |
4.27 |
4.29 |
24. |
Cost of borrowings |
1.91 |
1.53 |
4.20 |
80.05 |
2.19 |
5.82 |
2.74 |
3.95 |
25. |
Cost of funds |
4.98 |
4.88 |
4.60 |
4.57 |
4.63 |
4.53 |
4.20 |
4.27 |
26. |
Return on advances |
7.85 |
8.02 |
7.85 |
7.85 |
8.95 |
8.00 |
7.75 |
7.76 |
27. |
Return on investments |
8.89 |
8.52 |
8.28 |
7.61 |
8.59 |
8.61 |
8.40 |
8.16 |
28. |
Return on advances adjusted to cost of funds |
2.86 |
3.13 |
3.25 |
3.28 |
4.32 |
3.47 |
3.54 |
3.48 |
29. |
Return on investments adjusted to cost of funds |
3.91 |
3.64 |
3.67 |
3.04 |
3.96 |
4.08 |
4.20 |
3.89 |
30. |
Business per employee (in Rs. lakh) |
294.65 |
306.18 |
351.12 |
441.57 |
206.89 |
240.46 |
438.00 |
527.00 |
31. |
Profit per employee (in Rs. lakh) |
1.25 |
0.36 |
2.48 |
3.02 |
0.93 |
0.68 |
3.95 |
4.13 |
32. |
Capital adequacy ratio |
12.68 |
11.27 |
12.78 |
11.22 |
12.15 |
11.03 |
16.23 |
13.92 |
33. |
Capital adequacy ratio - Tier I |
7.10 |
7.47 |
7.29 |
7.81 |
6.08 |
7.19 |
13.55 |
12.41 |
34. |
Capital adequacy ratio - Tier II |
5.58 |
3.80 |
5.49 |
3.41 |
6.07 |
3.84 |
2.68 |
1.51 |
35. |
Ratio of net NPA to net advances |
2.15 |
2.03 |
1.88 |
1.12 |
2.98 |
2.59 |
1.12 |
0.64 |
Source: Annual accounts of banks |
|
|
|
|
|
|
|
|
(in per cent) |
|
|
As on March 31 |
|
|
Dena |
IDBI |
Indian |
Indian |
|
Ratios |
Bank |
Ltd. |
Bank |
Overseas Bank |
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
1. |
Cash-deposit ratio |
7.13 |
7.14 |
15.73 |
10.31 |
5.64 |
5.64 |
9.44 |
6.09 |
2. |
Credit-deposit ratio |
54.12 |
60.24 |
300.70 |
202.84 |
52.80 |
55.10 |
56.97 |
68.78 |
3. |
Investment-deposit ratio |
46.40 |
36.28 |
165.90 |
97.50 |
51.48 |
46.60 |
42.98 |
37.51 |
4. |
(Credit + Investment) - deposit ratio |
100.52 |
96.52 |
466.60 |
300.33 |
104.29 |
101.71 |
99.95 |
106.29 |
5. |
Ratio of deposits to total liabilities |
86.97 |
88.99 |
18.56 |
29.36 |
79.36 |
85.66 |
87.06 |
85.13 |
6. |
Ratio of term deposits to total deposits |
57.97 |
56.35 |
61.74 |
70.49 |
65.14 |
65.18 |
61.12 |
60.09 |
7. |
Ratio of priority sector advances to total advances |
38.97 |
41.01 |
9.51 |
13.03 |
42.93 |
46.36 |
39.16 |
39.47 |
8. |
Ratio of term loan to total advances |
52.41 |
53.91 |
91.98 |
90.98 |
50.34 |
53.18 |
45.99 |
48.12 |
9. |
Ratio of secured advances to total advances |
87.21 |
82.03 |
91.83 |
84.45 |
87.60 |
81.85 |
94.38 |
90.92 |
10. |
Ratio of investments in non-approved securites
to total investments |
15.45 |
15.63 |
40.54 |
36.18 |
12.09 |
12.84 |
15.66 |
16.47 |
11. |
Ratio of interest income to total assets |
7.47 |
6.96 |
3.26 |
6.33 |
6.92 |
7.35 |
8.05 |
8.00 |
12. |
Ratio of net interest margin to total assets |
2.97 |
2.86 |
0.23 |
0.45 |
3.14 |
3.30 |
3.78 |
3.75 |
13. |
Ratio of non-interest income to total assets |
1.35 |
1.82 |
0.77 |
1.51 |
1.37 |
1.16 |
1.63 |
1.32 |
14. |
Ratio of intermediation cost to total assets |
2.67 |
2.22 |
0.56 |
1.01 |
2.20 |
2.51 |
2.36 |
2.29 |
15. |
Ratio of wage bills to intermediation cost |
68.29 |
63.11 |
34.70 |
37.06 |
69.72 |
67.38 |
72.80 |
70.83 |
16. |
Ratio of wage bills to total expense |
25.42 |
22.16 |
5.39 |
5.44 |
25.69 |
25.76 |
25.92 |
24.82 |
17. |
Ratio of wage bills to total income |
20.65 |
15.96 |
4.80 |
4.78 |
18.54 |
19.85 |
17.75 |
17.40 |
18. |
Ratio of burden to total assets |
1.32 |
0.40 |
-0.21 |
-0.50 |
0.83 |
1.35 |
0.73 |
0.97 |
19. |
Ratio of burden to interest income |
17.65 |
5.82 |
-6.52 |
-7.82 |
12.04 |
18.32 |
9.09 |
12.10 |
20. |
Ratio of operating profits to total assets |
1.65 |
2.45 |
0.44 |
0.94 |
2.31 |
1.95 |
3.05 |
2.78 |
21. |
Return on assets |
0.26 |
0.29 |
0.78 |
0.68 |
1.08 |
1.16 |
1.28 |
1.32 |
22. |
Return on equity |
5.65 |
5.98 |
5.18 |
9.12 |
7.12 |
11.97 |
27.98 |
27.23 |
23. |
Cost of deposits |
4.99 |
4.37 |
2.35 |
4.44 |
4.62 |
4.58 |
4.65 |
4.61 |
24. |
Cost of borrowings |
2.77 |
10.29 |
0.10 |
0.37 |
6.63 |
5.57 |
4.42 |
7.64 |
25. |
Cost of funds |
4.96 |
4.42 |
0.62 |
1.58 |
4.65 |
4.61 |
4.64 |
4.65 |
26. |
Return on advances |
8.27 |
7.71 |
4.81 |
8.98 |
8.50 |
8.70 |
9.20 |
8.77 |
27. |
Return on investments |
8.35 |
7.82 |
1.58 |
3.35 |
8.33 |
8.27 |
9.04 |
8.81 |
28. |
Return on advances adjusted to cost of funds |
3.31 |
3.30 |
4.19 |
7.40 |
3.85 |
4.09 |
4.56 |
4.12 |
29. |
Return on investments adjusted to cost of funds |
3.39 |
3.40 |
0.96 |
1.77 |
3.68 |
3.66 |
4.40 |
4.16 |
30. |
Business per employee (in Rs. lakh) |
313.00 |
364.00 |
1349.60 |
1718.24 |
246.00 |
295.00 |
269.48 |
354.73 |
31. |
Profit per employee (in Rs. lakh) |
0.60 |
0.72 |
6.85 |
12.45 |
1.87 |
2.36 |
2.66 |
3.22 |
32. |
Capital adequacy ratio |
11.91 |
10.62 |
15.51 |
14.80 |
14.14 |
13.19 |
14.20 |
13.04 |
33. |
Capital adequacy ratio - Tier I |
6.63 |
5.96 |
11.93 |
11.71 |
7.60 |
10.29 |
7.10 |
8.54 |
34. |
Capital adequacy ratio - Tier II |
5.28 |
4.66 |
3.58 |
3.09 |
6.54 |
2.90 |
7.10 |
4.50 |
35. |
Ratio of net NPA to net advances |
5.23 |
3.04 |
1.74 |
1.01 |
1.35 |
0.79 |
1.27 |
0.65 |
Source : Annual accounts of banks |
|
|
|
|
|
|
|
|
(in per cent) |
|
|
As on March 31 |
|
|
Oriental |
Punjab & |
Punjab |
Syndicate |
|
Ratios |
Bank of Commerce |
Sind Bank |
National Bank |
Bank |
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
1. |
Cash-deposit ratio |
13.48 |
8.49 |
6.68 |
4.93 |
9.17 |
19.55 |
5.81 |
5.87 |
2. |
Credit-deposit ratio |
52.87 |
66.89 |
44.61 |
53.81 |
58.56 |
62.35 |
57.74 |
68.00 |
3. |
Investment-deposit ratio |
38.33 |
33.50 |
49.97 |
41.10 |
49.12 |
34.30 |
44.00 |
32.20 |
4. |
(Credit + Investment) - deposit ratio |
91.20 |
100.39 |
94.59 |
94.91 |
107.68 |
96.66 |
101.74 |
100.21 |
5. |
Ratio of deposits to total liabilities |
88.50 |
85.17 |
90.16 |
88.88 |
81.72 |
82.39 |
88.84 |
87.80 |
6. |
Ratio of term deposits to total deposits |
71.75 |
67.35 |
53.71 |
47.87 |
53.66 |
51.01 |
62.95 |
61.82 |
7. |
Ratio of priority sector advances to total advances |
37.42 |
35.12 |
46.56 |
41.20 |
46.79 |
45.68 |
36.27 |
36.99 |
8. |
Ratio of term loan to total advances |
59.90 |
61.34 |
40.87 |
51.87 |
47.61 |
43.94 |
49.63 |
61.03 |
9. |
Ratio of secured advances to total advances |
88.63 |
87.65 |
95.14 |
79.78 |
84.92 |
85.09 |
74.61 |
73.16 |
10. |
Ratio of investments in non-approved securites
to total investments |
18.29 |
16.97 |
11.71 |
10.01 |
14.34 |
15.62 |
7.56 |
9.92 |
11. |
Ratio of interest income to total assets |
7.51 |
7.29 |
8.13 |
7.48 |
7.40 |
7.06 |
7.57 |
7.16 |
12. |
Ratio of net interest margin to total assets |
3.21 |
2.84 |
3.73 |
3.63 |
3.51 |
3.44 |
3.41 |
3.32 |
13. |
Ratio of non-interest income to total assets |
1.06 |
0.98 |
1.67 |
0.87 |
1.47 |
0.91 |
1.19 |
1.05 |
14. |
Ratio of intermediation cost to total assets |
1.67 |
1.71 |
3.72 |
2.78 |
2.87 |
2.23 |
2.55 |
2.54 |
15. |
Ratio of wage bills to intermediation cost |
49.88 |
51.82 |
80.05 |
74.87 |
73.95 |
69.96 |
76.04 |
72.29 |
16. |
Ratio of wage bills to total expense |
13.96 |
14.38 |
36.66 |
31.39 |
31.35 |
26.64 |
28.89 |
28.78 |
17. |
Ratio of wage bills to total income |
9.73 |
10.71 |
30.38 |
24.93 |
23.92 |
19.56 |
22.11 |
22.34 |
18. |
Ratio of burden to total assets |
0.61 |
0.73 |
2.05 |
1.91 |
1.40 |
1.32 |
1.36 |
1.49 |
19. |
Ratio of burden to interest income |
8.13 |
10.03 |
25.21 |
25.55 |
18.94 |
18.70 |
17.93 |
20.82 |
20. |
Ratio of operating profits to total assets |
2.59 |
2.11 |
1.68 |
1.72 |
2.10 |
2.12 |
2.05 |
1.83 |
21. |
Return on assets |
2.01 |
1.39 |
-0.45 |
0.64 |
1.17 |
1.09 |
0.82 |
0.91 |
22. |
Return on equity |
24.19 |
13.11 |
-15.67 |
13.03 |
21.41 |
16.41 |
19.64 |
21.32 |
23. |
Cost of deposits |
4.71 |
4.92 |
4.65 |
4.09 |
4.36 |
4.14 |
4.50 |
4.11 |
24. |
Cost of borrowings |
2.65 |
5.00 |
24.46 |
122.77 |
2.08 |
1.37 |
2.40 |
2.00 |
25. |
Cost of funds |
4.67 |
4.92 |
4.66 |
4.10 |
4.31 |
4.03 |
4.49 |
4.10 |
26. |
Return on advances |
8.06 |
8.03 |
9.81 |
8.59 |
7.89 |
7.91 |
8.62 |
8.65 |
27. |
Return on investments |
9.52 |
9.19 |
8.82 |
8.36 |
8.56 |
8.79 |
8.20 |
6.43 |
28. |
Return on advances adjusted to cost of funds |
3.39 |
3.11 |
5.16 |
4.49 |
3.58 |
3.88 |
4.13 |
4.55 |
29. |
Return on investments adjusted to cost of funds |
4.85 |
4.26 |
4.16 |
4.26 |
4.25 |
4.76 |
3.70 |
2.33 |
30. |
Business per employee (in Rs. lakh) |
512.23 |
570.26 |
217.57 |
277.23 |
276.87 |
330.92 |
280.22 |
348.64 |
31. |
Profit per employee (in Rs. lakh) |
6.67 |
5.37 |
-0.74 |
1.14 |
2.42 |
2.48 |
1.53 |
2.05 |
32. |
Capital adequacy ratio |
9.21 |
12.46 |
9.46 |
12.83 |
14.78 |
11.95 |
10.70 |
11.73 |
33. |
Capital adequacy ratio - Tier I |
5.42 |
11.71 |
5.26 |
10.05 |
8.87 |
10.06 |
6.10 |
7.40 |
34. |
Capital adequacy ratio - Tier II |
3.79 |
0.75 |
4.20 |
2.78 |
5.91 |
1.89 |
4.60 |
4.33 |
35. |
Ratio of net NPA to net advances |
1.29 |
0.49 |
8.11 |
2.43 |
0.20 |
0.29 |
1.59 |
0.86 |
Source: Annual accounts of banks |
|
|
|
|
|
|
|
|
(in per cent) |
|
|
As on March 31 |
|
|
UCO |
Union |
United |
Vijaya |
|
Ratios |
Bank |
Bank of India |
Bank of India |
Bank |
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
1. |
Cash-deposit ratio |
6.02 |
3.73 |
5.90 |
5.92 |
6.27 |
4.90 |
5.00 |
8.12 |
2. |
Credit-deposit ratio |
55.90 |
68.53 |
64.86 |
72.04 |
44.93 |
53.07 |
55.96 |
60.14 |
3. |
Investment-deposit ratio |
38.54 |
36.00 |
36.86 |
34.98 |
56.82 |
48.31 |
47.11 |
40.35 |
4. |
(Credit + Investment) - deposit ratio |
94.44 |
104.53 |
101.73 |
107.02 |
101.75 |
101.37 |
103.07 |
100.49 |
5. |
Ratio of deposits to total liabilities |
90.62 |
88.20 |
85.39 |
83.13 |
87.11 |
87.98 |
87.33 |
87.87 |
6. |
Ratio of term deposits to total deposits |
70.77 |
70.45 |
67.32 |
67.64 |
53.42 |
53.62 |
67.44 |
64.68 |
7. |
Ratio of priority sector advances to total advances |
36.21 |
34.99 |
42.50 |
38.10 |
33.97 |
38.53 |
39.92 |
40.85 |
8. |
Ratio of term loan to total advances |
51.66 |
55.49 |
41.07 |
42.31 |
57.34 |
58.04 |
56.61 |
57.95 |
9. |
Ratio of secured advances to total advances |
89.07 |
86.43 |
81.26 |
78.04 |
92.87 |
92.90 |
76.58 |
81.27 |
10. |
Ratio of investments in non-approved securites
to total investments |
17.06 |
14.38 |
28.00 |
21.75 |
13.29 |
13.08 |
12.51 |
14.82 |
11. |
Ratio of interest income to total assets |
7.21 |
7.48 |
7.60 |
7.26 |
7.77 |
7.57 |
7.84 |
7.60 |
12. |
Ratio of net interest margin to total assets |
2.86 |
2.69 |
3.16 |
2.94 |
3.33 |
3.27 |
3.70 |
3.20 |
13. |
Ratio of non-interest income to total assets |
1.05 |
0.80 |
1.17 |
0.77 |
1.74 |
1.47 |
1.32 |
1.21 |
14. |
Ratio of intermediation cost to total assets |
2.21 |
2.02 |
1.92 |
1.74 |
2.56 |
2.67 |
2.02 |
2.05 |
15. |
Ratio of wage bills to intermediation cost |
79.19 |
74.74 |
64.13 |
61.81 |
70.68 |
75.38 |
59.21 |
60.76 |
16. |
Ratio of wage bills to total expense |
26.64 |
22.19 |
19.37 |
17.72 |
25.90 |
28.91 |
19.22 |
19.30 |
17. |
Ratio of wage bills to total income |
21.15 |
18.26 |
14.06 |
13.36 |
19.06 |
22.31 |
13.02 |
14.13 |
18. |
Ratio of burden to total assets |
1.16 |
1.23 |
0.75 |
0.96 |
0.82 |
1.21 |
0.70 |
0.84 |
19. |
Ratio of burden to interest income |
16.05 |
16.39 |
9.89 |
13.26 |
10.58 |
15.96 |
8.92 |
11.01 |
20. |
Ratio of operating profits to total assets |
1.70 |
1.46 |
2.41 |
1.98 |
2.51 |
2.07 |
3.00 |
2.36 |
21. |
Return on assets |
0.73 |
0.34 |
1.10 |
0.84 |
1.04 |
0.62 |
1.43 |
0.45 |
22. |
Return on equity |
17.86 |
8.68 |
21.46 |
16.52 |
15.33 |
10.81 |
26.02 |
7.79 |
23. |
Cost of deposits |
4.62 |
5.01 |
4.82 |
4.64 |
4.98 |
4.72 |
4.60 |
4.73 |
24. |
Cost of borrowings |
4.17 |
4.90 |
1.41 |
3.94 |
0.36 |
4.03 |
0.16 |
0.12 |
25. |
Cost of funds |
4.61 |
5.01 |
4.74 |
4.61 |
4.97 |
4.72 |
4.51 |
4.63 |
26. |
Return on advances |
7.96 |
8.09 |
8.31 |
8.04 |
8.67 |
8.57 |
9.04 |
8.66 |
27. |
Return on investments |
8.08 |
8.05 |
8.33 |
8.02 |
8.70 |
8.17 |
7.82 |
8.02 |
28. |
Return on advances adjusted to cost of funds |
3.35 |
3.08 |
3.58 |
3.43 |
3.70 |
3.85 |
4.53 |
4.03 |
29. |
Return on investments adjusted to cost of funds |
3.47 |
3.04 |
3.59 |
3.41 |
3.73 |
3.45 |
3.32 |
3.38 |
30. |
Business per employee (in Rs. lakh) |
321.00 |
387.00 |
343.08 |
436.47 |
208.00 |
254.00 |
310.50 |
369.26 |
31. |
Profit per employee (in Rs. lakh) |
1.43 |
0.82 |
2.81 |
2.66 |
1.72 |
1.18 |
3.45 |
1.16 |
32. |
Capital adequacy ratio |
11.26 |
11.12 |
12.09 |
11.41 |
18.16 |
13.12 |
12.92 |
11.94 |
33. |
Capital adequacy ratio - Tier I |
5.75 |
6.09 |
6.07 |
7.32 |
14.15 |
10.01 |
7.59 |
9.26 |
34. |
Capital adequacy ratio - Tier II |
5.51 |
5.03 |
6.02 |
4.09 |
4.01 |
3.11 |
5.33 |
2.68 |
35. |
Ratio of net NPA to net advances |
2.93 |
2.10 |
2.64 |
1.56 |
2.43 |
1.95 |
0.59 |
0.85 |
Source: Annual accounts of banks |
|
|
|
|
|
|
|
|
(in per cent) |
|
|
As on March 31 |
|
|
ABN |
Abu Dhabi |
American |
Antwerp |
|
Ratios |
Amro Bank |
Commercial Bank |
Express Bank |
Diamond Bank |
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. |
Cash-deposit ratio |
6.97 |
6.41 |
2.75 |
4.48 |
3.32 |
11.77 |
41.11 |
56.51 |
2. |
Credit-deposit ratio |
140.00 |
127.05 |
5.40 |
25.86 |
65.48 |
89.26 |
861.14 |
795.36 |
3. |
Investment-deposit ratio |
47.40 |
40.67 |
75.63 |
30.98 |
45.83 |
43.83 |
327.90 |
266.36 |
4. |
(Credit + Investment) - deposit ratio |
187.40 |
167.73 |
81.03 |
56.84 |
111.32 |
133.09 |
1189.04 |
1061.72 |
5. |
Ratio of deposits to total liabilities |
45.64 |
50.40 |
85.22 |
66.54 |
74.96 |
61.83 |
7.56 |
8.21 |
6. |
Ratio of term deposits to total deposits |
42.04 |
56.64 |
91.61 |
71.83 |
64.72 |
61.22 |
17.10 |
18.85 |
7. |
Ratio of priority sector advances to total advances |
32.25 |
36.77 |
30.56 |
16.86 |
24.46 |
19.80 |
99.73 |
99.73 |
8. |
Ratio of term loan to total advances |
37.88 |
37.27 |
28.39 |
12.85 |
47.88 |
57.88 |
0.27 |
0.27 |
9. |
Ratio of secured advances to total advances |
71.86 |
65.97 |
98.91 |
99.83 |
40.48 |
31.89 |
99.96 |
99.95 |
10. |
Ratio of investments in non-approved securites
to total investments |
5.06 |
1.11 |
56.66 |
5.93 |
38.15 |
27.21 |
0.00 |
0.00 |
11. |
Ratio of interest income to total assets |
6.98 |
6.94 |
7.67 |
8.44 |
8.40 |
7.77 |
4.51 |
5.63 |
12. |
Ratio of net interest margin to total assets |
4.41 |
3.56 |
0.61 |
0.78 |
3.69 |
3.14 |
2.82 |
2.36 |
13. |
Ratio of non-interest income to total assets |
3.35 |
3.27 |
2.07 |
0.76 |
7.81 |
9.09 |
0.75 |
0.77 |
14. |
Ratio of intermediation cost to total assets |
4.36 |
3.84 |
2.42 |
1.06 |
9.09 |
9.02 |
1.30 |
1.10 |
15. |
Ratio of wage bills to intermediation cost |
31.25 |
34.14 |
17.46 |
23.15 |
36.66 |
39.48 |
37.29 |
39.36 |
16. |
Ratio of wage bills to total expense |
19.67 |
18.14 |
4.46 |
2.82 |
24.15 |
26.09 |
16.22 |
9.94 |
17. |
Ratio of wage bills to total income |
13.19 |
12.83 |
4.35 |
2.67 |
20.57 |
21.12 |
9.24 |
6.79 |
18. |
Ratio of burden to total assets |
1.01 |
0.57 |
0.35 |
0.31 |
1.28 |
-0.08 |
0.56 |
0.34 |
19. |
Ratio of burden to interest income |
14.49 |
8.17 |
4.60 |
3.62 |
15.29 |
-0.97 |
12.34 |
5.99 |
20. |
Ratio of operating profits to total assets |
3.40 |
2.99 |
0.26 |
0.47 |
2.41 |
3.21 |
2.26 |
2.02 |
21. |
Return on assets |
1.27 |
1.03 |
-2.57 |
0.35 |
0.55 |
1.45 |
1.00 |
1.21 |
22. |
Return on equity |
15.63 |
16.47 |
-70.06 |
6.23 |
6.10 |
15.13 |
5.35 |
5.93 |
23. |
Cost of deposits |
1.70 |
2.18 |
7.90 |
9.31 |
5.79 |
6.27 |
0.64 |
0.67 |
24. |
Cost of borrowings |
4.97 |
6.27 |
0.81 |
1.87 |
1.75 |
2.72 |
1.85 |
4.15 |
25. |
Cost of funds |
2.94 |
3.78 |
7.67 |
8.52 |
5.57 |
5.72 |
1.70 |
3.76 |
26. |
Return on advances |
7.51 |
8.07 |
7.39 |
7.18 |
14.06 |
10.58 |
4.22 |
5.52 |
27. |
Return on investments |
7.91 |
8.03 |
9.37 |
11.79 |
4.69 |
4.36 |
7.89 |
6.98 |
28. |
Return on advances adjusted to cost of funds |
4.57 |
4.29 |
-0.28 |
-1.33 |
8.49 |
4.85 |
2.52 |
1.76 |
29. |
Return on investments adjusted to cost of funds |
4.97 |
4.25 |
1.71 |
3.28 |
-0.88 |
-1.36 |
6.18 |
3.22 |
30. |
Business per employee (in Rs. lakh) |
823.70 |
905.82 |
1061.10 |
1720.49 |
237.53 |
239.32 |
2267.01 |
2308.40 |
31. |
Profit per employee (in Rs. lakh) |
10.24 |
8.15 |
-77.24 |
12.06 |
1.05 |
2.99 |
33.40 |
41.22 |
32. |
Capital adequacy ratio |
10.55 |
10.44 |
14.38 |
36.98 |
10.87 |
10.26 |
39.99 |
39.67 |
33. |
Capital adequacy ratio - Tier I |
7.89 |
7.18 |
12.03 |
36.32 |
10.23 |
10.07 |
26.81 |
26.28 |
34. |
Capital adequacy ratio - Tier II |
2.66 |
3.26 |
2.35 |
0.66 |
0.64 |
0.19 |
13.18 |
13.39 |
35. |
Ratio of net NPA to net advances |
0.35 |
0.11 |
12.73 |
15.97 |
0.99 |
0.58 |
0.00 |
0.00 |
Source: Annual accounts of banks |
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