(in per cent) |
|
|
As on March 31 |
|
|
Arab |
Bank |
Bank |
Bank of |
|
Ratios |
Bangladesh |
International |
of |
Bahrain |
|
|
Bank |
Indonesia |
America |
& Kuwait |
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. |
Cash-deposit ratio |
4.13 |
3.68 |
18.08 |
10.80 |
8.68 |
14.35 |
4.88 |
4.50 |
2. |
Credit-deposit ratio |
93.16 |
160.63 |
178.48 |
47.50 |
161.56 |
159.96 |
66.93 |
51.70 |
3. |
Investment-deposit ratio |
35.34 |
38.56 |
380.67 |
109.25 |
80.26 |
78.99 |
48.13 |
39.58 |
4. |
(Credit + Investment) - deposit ratio |
128.50 |
199.19 |
559.14 |
156.75 |
241.82 |
238.95 |
115.06 |
91.28 |
5. |
Ratio of deposits to total liabilities |
34.20 |
31.41 |
8.97 |
12.79 |
36.27 |
35.15 |
65.56 |
78.07 |
6. |
Ratio of term deposits to total deposits |
18.06 |
26.88 |
60.49 |
49.60 |
42.37 |
21.42 |
75.34 |
73.20 |
7. |
Ratio of priority sector advances to total advances |
30.46 |
36.09 |
2.11 |
1.94 |
20.02 |
20.36 |
25.84 |
22.89 |
8. |
Ratio of term loan to total advances |
4.25 |
34.07 |
0.00 |
0.00 |
1.00 |
0.55 |
44.82 |
41.56 |
9. |
Ratio of secured advances to total advances |
32.77 |
34.20 |
12.98 |
2.05 |
18.74 |
13.60 |
93.82 |
91.46 |
10. |
Ratio of investments in non-approved securites |
12.94 |
17.74 |
3.62 |
23.81 |
25.19 |
21.49 |
10.22 |
6.23 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
4.15 |
5.52 |
3.13 |
3.30 |
4.85 |
5.68 |
5.33 |
5.68 |
12. |
Ratio of net interest margin to total assets |
3.43 |
4.96 |
2.52 |
2.54 |
2.44 |
3.12 |
1.95 |
1.77 |
13. |
Ratio of non-interest income to total assets |
5.10 |
5.96 |
-0.31 |
0.62 |
2.24 |
3.82 |
0.38 |
0.97 |
14. |
Ratio of intermediation cost to total assets |
2.62 |
3.37 |
2.47 |
2.21 |
1.72 |
1.96 |
2.05 |
2.34 |
15. |
Ratio of wage bills to intermediation cost |
31.85 |
27.96 |
24.45 |
25.86 |
47.68 |
49.13 |
38.44 |
42.22 |
16. |
Ratio of wage bills to total expense |
24.97 |
23.99 |
19.66 |
19.22 |
19.85 |
21.31 |
14.50 |
15.79 |
17. |
Ratio of wage bills to total income |
9.02 |
8.20 |
21.44 |
14.59 |
11.54 |
10.14 |
13.78 |
14.84 |
18. |
Ratio of burden to total assets |
-2.48 |
-2.59 |
2.78 |
1.59 |
-0.52 |
-1.86 |
1.67 |
1.37 |
19. |
Ratio of burden to interest income |
-59.78 |
-47.05 |
88.89 |
48.24 |
-10.79 |
-32.73 |
31.24 |
24.09 |
20. |
Ratio of operating profits to total assets |
5.91 |
7.55 |
-0.25 |
0.94 |
2.97 |
4.98 |
0.28 |
0.40 |
21. |
Return on assets |
2.87 |
3.43 |
-0.98 |
-1.28 |
1.46 |
2.41 |
-3.52 |
-1.32 |
22. |
Return on equity |
5.55 |
6.34 |
-1.11 |
-1.54 |
7.53 |
9.58 |
-28.44 |
-10.52 |
23. |
Cost of deposits |
1.02 |
1.25 |
3.31 |
3.19 |
2.48 |
2.27 |
4.25 |
4.56 |
24. |
Cost of borrowings |
0.00 |
0.00 |
1.08 |
1.61 |
4.01 |
5.31 |
2.82 |
3.27 |
25. |
Cost of funds |
1.92 |
1.70 |
1.81 |
2.07 |
3.24 |
3.73 |
3.90 |
4.35 |
26. |
Return on advances |
6.54 |
8.34 |
7.25 |
11.09 |
4.89 |
6.15 |
5.76 |
7.89 |
27. |
Return on investments |
3.59 |
4.48 |
6.89 |
4.90 |
5.73 |
6.71 |
5.20 |
5.45 |
28. |
Return on advances adjusted to cost of funds |
4.63 |
6.64 |
5.44 |
9.02 |
1.65 |
2.42 |
1.86 |
3.54 |
29. |
Return on investments adjusted to cost of funds |
1.67 |
2.78 |
5.08 |
2.83 |
2.49 |
2.98 |
1.30 |
1.10 |
30. |
Business per employee (in Rs. lakh) |
183.07 |
193.03 |
154.00 |
148.00 |
1707.72 |
1924.81 |
820.00 |
728.00 |
31. |
Profit per employee (in Rs. lakh) |
10.29 |
11.04 |
-4.15 |
-7.66 |
29.47 |
51.82 |
-28.00 |
-10.00 |
32. |
Capital adequacy ratio |
109.39 |
86.21 |
92.26 |
108.87 |
30.07 |
23.40 |
11.66 |
20.01 |
33. |
Capital adequacy ratio - Tier I |
108.00 |
84.99 |
92.06 |
108.67 |
23.39 |
17.67 |
9.84 |
18.77 |
34. |
Capital adequacy ratio - Tier II |
1.39 |
1.22 |
0.20 |
0.20 |
6.68 |
5.73 |
1.82 |
1.24 |
35. |
Ratio of net NPA to net advances |
0.18 |
0.00 |
10.49 |
0.00 |
0.00 |
0.00 |
5.53 |
1.29 |
Source: Annual accounts of banks |
(in per cent) |
|
|
As on March 31 |
|
|
Bank |
Bank of |
Barclays |
Bank of Tokyo- |
|
Ratios |
of Ceylon |
Nova Scotia |
Bank |
Mitsubishi UFJ # |
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
1. |
Cash-deposit ratio |
6.57 |
7.55 |
5.96 |
4.62 |
11.86 |
1.07 |
7.44 |
11.87 |
2. |
Credit-deposit ratio |
56.80 |
55.88 |
128.17 |
103.65 |
3.24 |
1.20 |
104.98 |
131.78 |
3. |
Investment-deposit ratio |
31.12 |
34.84 |
55.85 |
41.65 |
559.23 |
161.93 |
64.33 |
57.22 |
4. |
(Credit + Investment) - deposit ratio |
87.92 |
90.72 |
184.02 |
145.30 |
562.47 |
163.13 |
169.31 |
189.00 |
5. |
Ratio of deposits to total liabilities |
57.66 |
49.10 |
47.87 |
63.62 |
7.99 |
19.21 |
46.89 |
41.17 |
6. |
Ratio of term deposits to total deposits |
70.91 |
60.60 |
90.39 |
94.49 |
85.94 |
97.99 |
38.66 |
35.91 |
7. |
Ratio of priority sector advances to total advances |
72.61 |
53.57 |
32.63 |
32.04 |
0.00 |
0.00 |
1.18 |
20.34 |
8. |
Ratio of term loan to total advances |
11.79 |
23.07 |
30.66 |
70.31 |
100.00 |
100.00 |
13.75 |
16.76 |
9. |
Ratio of secured advances to total advances |
93.30 |
93.38 |
83.88 |
70.15 |
79.68 |
86.06 |
36.08 |
31.52 |
10. |
Ratio of investments in non-approved securites |
0.00 |
0.00 |
3.06 |
7.94 |
32.53 |
33.14 |
1.70 |
21.73 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
4.44 |
5.43 |
4.92 |
4.95 |
2.71 |
4.67 |
4.91 |
5.20 |
12. |
Ratio of net interest margin to total assets |
1.66 |
3.14 |
1.59 |
1.27 |
1.97 |
2.67 |
3.55 |
3.24 |
13. |
Ratio of non-interest income to total assets |
3.04 |
2.40 |
1.61 |
1.65 |
10.92 |
16.63 |
4.94 |
2.38 |
14. |
Ratio of intermediation cost to total assets |
1.26 |
1.42 |
1.07 |
0.96 |
2.71 |
3.68 |
2.92 |
2.86 |
15. |
Ratio of wage bills to intermediation cost |
32.99 |
36.65 |
37.66 |
39.65 |
58.11 |
65.73 |
43.88 |
59.13 |
16. |
Ratio of wage bills to total expense |
10.30 |
13.99 |
9.17 |
8.21 |
45.64 |
42.58 |
29.89 |
35.10 |
17. |
Ratio of wage bills to total income |
5.56 |
6.62 |
6.18 |
5.77 |
11.55 |
11.37 |
12.99 |
22.35 |
18. |
Ratio of burden to total assets |
-1.78 |
-0.99 |
-0.53 |
-0.69 |
-8.21 |
-12.95 |
-2.02 |
0.48 |
19. |
Ratio of burden to interest income |
-40.14 |
-18.22 |
-10.87 |
-13.96 |
-303.50 |
-277.40 |
-41.16 |
9.33 |
20. |
Ratio of operating profits to total assets |
3.44 |
4.13 |
2.13 |
1.96 |
10.18 |
15.62 |
5.57 |
2.75 |
21. |
Return on assets |
1.19 |
0.25 |
-0.35 |
0.83 |
3.29 |
9.64 |
0.93 |
0.02 |
22. |
Return on equity |
4.02 |
0.81 |
-4.47 |
11.30 |
11.33 |
11.75 |
2.73 |
0.07 |
23. |
Cost of deposits |
5.16 |
3.99 |
5.63 |
5.52 |
3.91 |
5.17 |
1.96 |
3.45 |
24. |
Cost of borrowings |
0.05 |
3.81 |
1.05 |
1.87 |
3.47 |
9.52 |
0.26 |
0.37 |
25. |
Cost of funds |
4.49 |
3.98 |
3.71 |
4.22 |
3.64 |
6.70 |
1.74 |
2.74 |
26. |
Return on advances |
9.00 |
9.32 |
5.03 |
5.40 |
23.62 |
19.77 |
5.93 |
5.90 |
27. |
Return on investments |
3.93 |
4.40 |
5.40 |
5.24 |
5.87 |
10.47 |
4.90 |
4.95 |
28. |
Return on advances adjusted to cost of funds |
4.52 |
5.34 |
1.32 |
1.18 |
19.97 |
13.08 |
4.18 |
3.16 |
29. |
Return on investments adjusted to cost of funds |
-0.56 |
0.43 |
1.69 |
1.02 |
2.22 |
3.78 |
3.16 |
2.21 |
30. |
Business per employee (in Rs. lakh) |
628.76 |
587.10 |
2085.17 |
2040.25 |
188.49 |
148.51 |
663.58 |
1113.29 |
31. |
Profit per employee (in Rs. lakh) |
7.95 |
1.64 |
-6.30 |
16.50 |
160.21 |
271.00 |
6.45 |
0.20 |
32. |
Capital adequacy ratio |
49.40 |
56.37 |
15.27 |
13.71 |
20.85 |
22.92 |
32.10 |
33.38 |
33. |
Capital adequacy ratio - Tier I |
48.30 |
56.10 |
14.36 |
13.19 |
19.88 |
22.15 |
21.65 |
28.03 |
34. |
Capital adequacy ratio - Tier II |
1.10 |
0.27 |
0.91 |
0.52 |
0.97 |
0.77 |
10.45 |
5.35 |
35. |
Ratio of net NPA to net advances |
13.76 |
23.74 |
3.08 |
1.00 |
0.00 |
0.00 |
0.01 |
0.00 |
Note : # See ‘Explanatory Notes’
Source: Annual accounts of banks |
(in per cent) |
|
|
As on March 31 |
|
|
Citibank |
DBS |
|
Deutsche |
Hongkong & |
|
Ratios |
|
|
Bank |
|
Bank |
Shanghai
Banking Corpn. |
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
1. |
Cash-deposit ratio |
11.10 |
9.06 |
3.43 |
4.37 |
11.08 |
15.02 |
8.14 |
5.84 |
2. |
Credit-deposit ratio |
84.30 |
87.62 |
91.58 |
61.40 |
71.41 |
58.95 |
74.18 |
67.37 |
3. |
Investment-deposit ratio |
37.79 |
37.82 |
40.92 |
37.96 |
63.35 |
74.45 |
53.89 |
48.66 |
4. |
(Credit + Investment) - deposit ratio |
122.09 |
125.43 |
132.51 |
99.36 |
134.76 |
133.40 |
128.08 |
116.03 |
5. |
Ratio of deposits to total liabilities |
63.55 |
61.43 |
43.38 |
45.72 |
33.11 |
36.35 |
60.98 |
66.59 |
6. |
Ratio of term deposits to total deposits |
43.98 |
41.30 |
97.40 |
98.18 |
42.03 |
25.14 |
49.30 |
46.20 |
7. |
Ratio of priority sector advances to total advances |
23.33 |
23.73 |
68.04 |
20.54 |
26.29 |
27.13 |
17.62 |
20.67 |
8. |
Ratio of term loan to total advances |
70.43 |
67.57 |
5.43 |
66.86 |
18.42 |
31.16 |
49.48 |
54.17 |
9. |
Ratio of secured advances to total advances |
57.86 |
57.47 |
12.56 |
68.89 |
45.52 |
29.18 |
69.00 |
61.99 |
10. |
Ratio of investments in non-approved securites |
20.42 |
13.57 |
33.15 |
21.25 |
14.86 |
29.47 |
16.31 |
28.67 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
6.95 |
7.73 |
3.42 |
6.74 |
4.03 |
5.30 |
6.11 |
6.74 |
12. |
Ratio of net interest margin to total assets |
4.58 |
5.20 |
2.58 |
4.10 |
0.88 |
2.07 |
3.69 |
4.20 |
13. |
Ratio of non-interest income to total assets |
2.98 |
2.63 |
0.35 |
-0.38 |
4.22 |
4.92 |
2.48 |
2.84 |
14. |
Ratio of intermediation cost to total assets |
3.86 |
3.85 |
1.83 |
1.70 |
2.84 |
4.13 |
2.62 |
3.14 |
15. |
Ratio of wage bills to intermediation cost |
19.95 |
22.58 |
56.34 |
58.02 |
27.78 |
31.71 |
36.56 |
41.16 |
16. |
Ratio of wage bills to total expense |
12.35 |
13.60 |
38.56 |
22.76 |
13.17 |
17.80 |
19.02 |
22.77 |
17. |
Ratio of wage bills to total income |
7.75 |
8.38 |
27.30 |
15.55 |
9.56 |
12.84 |
11.16 |
13.48 |
18. |
Ratio of burden to total assets |
0.88 |
1.22 |
1.48 |
2.09 |
-1.38 |
-0.78 |
0.14 |
0.30 |
19. |
Ratio of burden to interest income |
12.67 |
15.72 |
43.13 |
30.98 |
-34.18 |
-14.76 |
2.30 |
4.40 |
20. |
Ratio of operating profits to total assets |
3.70 |
3.98 |
1.10 |
2.01 |
2.26 |
2.85 |
3.55 |
3.91 |
21. |
Return on assets |
2.84 |
3.07 |
0.89 |
0.73 |
0.72 |
1.04 |
1.27 |
1.58 |
22. |
Return on equity |
19.98 |
18.43 |
2.35 |
2.84 |
7.18 |
9.90 |
11.17 |
13.30 |
23. |
Cost of deposits |
2.85 |
2.86 |
0.92 |
4.13 |
1.46 |
1.47 |
2.59 |
2.89 |
24. |
Cost of borrowings |
2.38 |
3.68 |
7.61 |
4.91 |
5.35 |
6.18 |
5.58 |
5.66 |
25. |
Cost of funds |
2.77 |
3.04 |
1.56 |
4.33 |
3.85 |
4.10 |
3.03 |
3.25 |
26. |
Return on advances |
9.06 |
9.57 |
3.28 |
3.88 |
5.37 |
6.07 |
7.86 |
8.72 |
27. |
Return on investments |
7.46 |
9.46 |
7.04 |
15.93 |
4.85 |
6.51 |
7.10 |
7.81 |
28. |
Return on advances adjusted to cost of funds |
6.29 |
6.53 |
1.72 |
-0.45 |
1.52 |
1.97 |
4.83 |
5.47 |
|
|
|
|
|
|
|
|
|
|
29. |
Return on investments adjusted to cost of funds |
4.69 |
6.43 |
5.48 |
11.60 |
1.00 |
2.41 |
4.07 |
4.56 |
30. |
Business per employee (in Rs. lakh) |
1359.51 |
1607.92 |
1110.99 |
1105.14 |
1608.93 |
1016.83 |
852.54 |
975.65 |
31. |
Profit per employee (in Rs. lakh) |
21.75 |
21.71 |
14.52 |
12.24 |
20.31 |
18.57 |
9.74 |
12.07 |
32. |
Capital adequacy ratio |
10.78 |
11.33 |
35.06 |
31.33 |
16.22 |
12.74 |
14.03 |
10.61 |
33. |
Capital adequacy ratio - Tier I |
8.60 |
10.77 |
34.45 |
20.80 |
12.62 |
11.14 |
11.38 |
9.80 |
34. |
Capital adequacy ratio - Tier II |
2.18 |
0.56 |
0.61 |
10.53 |
3.60 |
1.60 |
2.65 |
0.81 |
35. |
Ratio of net NPA to net advances |
1.00 |
0.95 |
0.00 |
0.00 |
0.00 |
0.00 |
0.50 |
0.58 |
Source: Annual accounts of banks |
(in per cent) |
|
|
As on March 31 |
|
|
ING |
|
J P Morgan |
Krung |
|
Mashreq |
|
Ratios |
Bank # |
|
Chase Bank |
Thai Bank |
|
Bank |
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
1. |
Cash-deposit ratio |
0.00 |
|
12.88 |
5.04 |
6.31 |
7.54 |
3.52 |
8.16 |
2. |
Credit-deposit ratio |
0.00 |
|
16.12 |
4.14 |
47.06 |
31.95 |
6.99 |
143.12 |
3. |
Investment-deposit ratio |
0.00 |
|
40.87 |
118.46 |
96.15 |
72.32 |
87.01 |
172.88 |
4. |
(Credit + Investment) - deposit ratio |
0.00 |
|
57.00 |
122.60 |
143.21 |
104.28 |
94.00 |
316.00 |
5. |
Ratio of deposits to total liabilities |
0.00 |
|
71.13 |
63.42 |
45.46 |
42.61 |
79.92 |
24.20 |
6. |
Ratio of term deposits to total deposits |
0.00 |
|
60.16 |
74.79 |
43.61 |
48.42 |
93.06 |
28.52 |
7. |
Ratio of priority sector advances to total advances |
0.00 |
|
0.00 |
0.00 |
41.04 |
16.45 |
96.50 |
99.01 |
8. |
Ratio of term loan to total advances |
0.00 |
|
0.00 |
100.00 |
4.68 |
22.29 |
3.46 |
0.99 |
9. |
Ratio of secured advances to total advances |
0.00 |
|
0.00 |
11.90 |
95.57 |
95.07 |
99.76 |
99.97 |
|
|
|
|
|
|
|
|
|
|
10. |
Ratio of investments in non-approved securites |
0.00 |
|
13.02 |
50.43 |
21.73 |
30.21 |
54.75 |
13.06 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
2.47 |
|
4.00 |
6.01 |
5.60 |
5.87 |
8.48 |
9.62 |
12. |
Ratio of net interest margin to total assets |
2.47 |
|
2.38 |
3.55 |
4.74 |
5.00 |
1.24 |
0.91 |
13. |
Ratio of non-interest income to total assets |
1.26 |
|
9.29 |
4.82 |
0.40 |
8.04 |
1.08 |
3.12 |
14. |
Ratio of intermediation cost to total assets |
0.50 |
|
2.70 |
2.03 |
3.64 |
4.25 |
1.08 |
1.77 |
15. |
Ratio of wage bills to intermediation cost |
0.00 |
|
48.53 |
46.44 |
24.60 |
19.83 |
26.31 |
31.81 |
16. |
Ratio of wage bills to total expense |
0.00 |
|
30.27 |
20.98 |
19.91 |
16.45 |
3.41 |
5.37 |
17. |
Ratio of wage bills to total income |
0.00 |
|
9.86 |
8.71 |
14.93 |
6.05 |
2.96 |
4.42 |
18. |
Ratio of burden to total assets |
-0.76 |
|
-6.59 |
-2.79 |
3.24 |
-3.79 |
0.00 |
-1.35 |
19. |
Ratio of burden to interest income |
-30.77 |
|
-164.54 |
-46.37 |
57.90 |
-64.65 |
-0.06 |
-14.07 |
20. |
Ratio of operating profits to total assets |
3.23 |
|
8.97 |
6.33 |
1.50 |
8.79 |
1.25 |
2.26 |
21. |
Return on assets |
-4.38 |
|
3.58 |
2.53 |
0.03 |
5.37 |
1.10 |
1.30 |
22. |
Return on equity |
-6.45 |
|
19.31 |
17.99 |
0.05 |
10.16 |
6.50 |
6.17 |
23. |
Cost of deposits |
0.00 |
|
2.28 |
2.91 |
2.23 |
1.97 |
8.96 |
12.54 |
24. |
Cost of borrowings |
0.00 |
|
1.09 |
1.45 |
0.44 |
0.00 |
0.00 |
52.40 |
25. |
Cost of funds |
0.00 |
|
2.19 |
2.68 |
2.21 |
1.98 |
8.98 |
12.68 |
26. |
Return on advances |
3.76 |
|
0.09 |
0.03 |
8.46 |
6.74 |
7.35 |
7.04 |
27. |
Return on investments |
0.00 |
|
5.33 |
6.22 |
6.99 |
5.67 |
10.72 |
10.77 |
28. |
Return on advances adjusted to cost of funds |
0.00 |
|
-2.09 |
-2.65 |
6.25 |
4.76 |
-1.63 |
-5.64 |
29. |
Return on investments adjusted to cost of funds |
0.00 |
|
3.14 |
3.55 |
4.77 |
3.69 |
1.74 |
-1.91 |
30. |
Business per employee (in Rs. lakh) |
0.00 |
|
593.74 |
1252.09 |
460.75 |
395.25 |
521.26 |
484.16 |
31. |
Profit per employee (in Rs. lakh) |
0.00 |
|
69.96 |
88.94 |
0.19 |
37.77 |
36.99 |
37.43 |
32. |
Capital adequacy ratio |
74.97 |
|
10.19 |
11.76 |
99.59 |
133.53 |
60.14 |
136.92 |
33. |
Capital adequacy ratio - Tier I |
74.97 |
|
9.44 |
11.74 |
98.17 |
125.14 |
58.03 |
133.17 |
34. |
Capital adequacy ratio - Tier II |
0.00 |
|
0.75 |
0.02 |
1.42 |
8.39 |
2.11 |
3.75 |
35. |
Ratio of net NPA to net advances |
0.00 |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Note : # See ‘Explanatory Notes’
Source: Annual accounts of banks |
(in per cent) |
|
|
As on March 31 |
|
|
Mizuho |
Oman |
Societe |
Sonali |
|
|
Ratios |
Corporate Bank |
International Bank |
Generale |
Bank |
|
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
1. |
Cash-deposit ratio |
4.40 |
5.27 |
7.21 |
5.52 |
5.53 |
4.69 |
18.13 |
16.21 |
2. |
Credit-deposit ratio |
242.80 |
239.23 |
5.65 |
3.81 |
30.24 |
28.73 |
27.10 |
15.01 |
3. |
Investment-deposit ratio |
137.63 |
66.52 |
56.65 |
56.54 |
112.68 |
115.33 |
32.60 |
35.20 |
4. |
(Credit + Investment) - deposit ratio |
380.43 |
305.76 |
62.29 |
60.35 |
142.92 |
144.05 |
59.70 |
50.21 |
5. |
Ratio of deposits to total liabilities |
24.13 |
25.26 |
50.98 |
47.30 |
59.10 |
52.04 |
67.72 |
66.55 |
6. |
Ratio of term deposits to total deposits |
89.66 |
86.14 |
76.45 |
76.71 |
95.29 |
95.36 |
25.52 |
27.59 |
7. |
Ratio of priority sector advances to total advances |
20.24 |
20.69 |
34.17 |
35.23 |
13.47 |
6.00 |
61.61 |
33.14 |
8. |
Ratio of term loan to total advances |
15.72 |
30.98 |
15.61 |
32.85 |
51.43 |
36.18 |
0.00 |
0.00 |
9. |
Ratio of secured advances to total advances |
47.05 |
53.00 |
100.00 |
100.00 |
70.91 |
86.95 |
33.86 |
37.49 |
10. |
Ratio of investments in non-approved securites |
53.32 |
25.97 |
0.00 |
0.00 |
0.02 |
39.62 |
38.80 |
38.18 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
4.61 |
4.80 |
3.69 |
3.89 |
4.56 |
6.87 |
4.22 |
4.26 |
12. |
Ratio of net interest margin to total assets |
3.06 |
2.52 |
0.63 |
0.72 |
1.91 |
3.04 |
1.84 |
1.72 |
13. |
Ratio of non-interest income to total assets |
1.66 |
1.57 |
0.35 |
0.22 |
1.53 |
1.76 |
14.29 |
12.03 |
14. |
Ratio of intermediation cost to total assets |
2.18 |
1.82 |
1.07 |
1.28 |
2.04 |
2.27 |
8.85 |
10.57 |
15. |
Ratio of wage bills to intermediation cost |
46.05 |
44.22 |
26.52 |
26.89 |
45.49 |
55.28 |
53.21 |
55.08 |
16. |
Ratio of wage bills to total expense |
26.87 |
19.67 |
6.87 |
7.73 |
19.77 |
20.56 |
41.96 |
44.44 |
17. |
Ratio of wage bills to total income |
15.98 |
12.64 |
7.03 |
8.37 |
15.24 |
14.52 |
25.45 |
35.76 |
18. |
Ratio of burden to total assets |
0.52 |
0.25 |
0.72 |
1.06 |
0.51 |
0.50 |
-5.44 |
-1.46 |
19. |
Ratio of burden to interest income |
11.19 |
5.14 |
19.56 |
27.24 |
11.21 |
7.35 |
-129.07 |
-34.22 |
20. |
Ratio of operating profits to total assets |
2.54 |
2.28 |
-0.09 |
-0.34 |
1.39 |
2.53 |
7.28 |
3.18 |
21. |
Return on assets |
2.13 |
0.88 |
-2.86 |
-1.31 |
1.61 |
1.15 |
4.00 |
1.69 |
22. |
Return on equity |
6.04 |
1.80 |
-8.86 |
-2.37 |
6.42 |
5.23 |
26.22 |
9.91 |
23. |
Cost of deposits |
3.39 |
3.85 |
5.45 |
5.78 |
3.96 |
4.43 |
2.64 |
2.58 |
24. |
Cost of borrowings |
1.78 |
5.41 |
2.62 |
5.06 |
3.92 |
7.69 |
0.00 |
0.00 |
25. |
Cost of funds |
2.41 |
4.56 |
5.11 |
5.69 |
3.96 |
5.26 |
2.64 |
2.58 |
26. |
Return on advances |
5.15 |
6.22 |
3.23 |
3.82 |
4.86 |
6.65 |
10.49 |
11.58 |
27. |
Return on investments |
6.11 |
4.34 |
7.98 |
8.06 |
5.14 |
8.71 |
6.70 |
5.78 |
28. |
Return on advances adjusted to cost of funds |
2.73 |
1.65 |
-1.89 |
-1.87 |
0.90 |
1.39 |
7.85 |
9.00 |
29. |
Return on investments adjusted to cost of funds |
3.70 |
-0.22 |
2.87 |
2.37 |
1.18 |
3.45 |
4.07 |
3.20 |
30. |
Business per employee (in Rs. lakh) |
608.21 |
684.21 |
1132.28 |
784.02 |
1057.90 |
1467.20 |
66.68 |
54.81 |
31. |
Profit per employee (in Rs. lakh) |
18.67 |
8.88 |
-40.79 |
9.35 |
25.40 |
20.80 |
3.39 |
1.21 |
32. |
Capital adequacy ratio |
28.76 |
65.76 |
13.52 |
9.58 |
64.81 |
37.40 |
105.81 |
93.78 |
33. |
Capital adequacy ratio - Tier I |
27.52 |
65.52 |
13.20 |
9.52 |
61.53 |
37.27 |
103.73 |
92.16 |
34. |
Capital adequacy ratio - Tier II |
1.24 |
0.24 |
0.32 |
0.06 |
3.28 |
0.13 |
2.08 |
1.62 |
35. |
Ratio of net NPA to net advances |
0.00 |
0.15 |
55.05 |
41.58 |
0.00 |
0.00 |
1.90 |
0.75 |
Source: Annual accounts of banks |
(in per cent) |
|
|
As on March 31 |
|
|
Standard |
|
State Bank |
|
UFJ |
|
|
Ratios |
Chartered Bank |
|
of Mauritius |
|
Bank # |
|
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(57) |
(58) |
(59) |
(60) |
(61) |
(62) |
1. |
Cash-deposit ratio |
5.34 |
4.92 |
16.43 |
7.20 |
9.49 |
|
2. |
Credit-deposit ratio |
88.67 |
84.60 |
147.92 |
85.12 |
144.47 |
|
3. |
Investment-deposit ratio |
45.11 |
41.50 |
93.63 |
44.98 |
85.07 |
|
4. |
(Credit + Investment) - deposit ratio |
133.78 |
126.10 |
241.54 |
130.10 |
229.54 |
|
5. |
Ratio of deposits to total liabilities |
60.53 |
59.07 |
32.95 |
58.96 |
21.85 |
|
6. |
Ratio of term deposits to total deposits |
53.82 |
50.10 |
79.40 |
89.08 |
41.27 |
|
7. |
Ratio of priority sector advances to total advances |
29.17 |
28.68 |
21.54 |
22.32 |
12.76 |
|
8. |
Ratio of term loan to total advances |
53.89 |
43.53 |
61.84 |
75.63 |
6.43 |
|
9. |
Ratio of secured advances to total advances |
72.22 |
59.33 |
94.55 |
95.23 |
57.20 |
|
10. |
Ratio of investments in non-approved securites to total investments |
24.39 |
21.63 |
16.87 |
18.89 |
32.03 |
|
11. |
Ratio of interest income to total assets |
6.97 |
7.16 |
8.13 |
8.78 |
5.09 |
|
12. |
Ratio of net interest margin to total assets |
3.87 |
4.37 |
3.04 |
3.32 |
4.47 |
|
13. |
Ratio of non-interest income to total assets |
1.47 |
1.92 |
0.47 |
0.40 |
1.61 |
|
14. |
Ratio of intermediation cost to total assets |
2.35 |
2.26 |
1.04 |
1.08 |
1.86 |
|
15. |
Ratio of wage bills to intermediation cost |
33.93 |
40.87 |
29.49 |
34.95 |
35.47 |
|
16. |
Ratio of wage bills to total expense |
14.66 |
18.30 |
4.98 |
5.76 |
26.58 |
|
17. |
Ratio of wage bills to total income |
9.47 |
10.17 |
3.55 |
4.10 |
9.85 |
|
18. |
Ratio of burden to total assets |
0.89 |
0.34 |
0.57 |
0.68 |
0.25 |
|
19. |
Ratio of burden to interest income |
12.71 |
4.69 |
6.97 |
7.77 |
4.98 |
|
20. |
Ratio of operating profits to total assets |
2.99 |
4.04 |
2.47 |
2.63 |
4.22 |
|
21. |
Return on assets |
1.97 |
2.49 |
1.20 |
1.97 |
2.13 |
|
22. |
Return on equity |
20.16 |
23.21 |
4.43 |
2.35 |
3.04 |
|
23. |
Cost of deposits |
3.30 |
3.23 |
6.08 |
5.68 |
2.20 |
|
24. |
Cost of borrowings |
2.86 |
4.15 |
8.70 |
12.44 |
0.05 |
|
25. |
Cost of funds |
3.20 |
3.44 |
7.31 |
7.94 |
1.58 |
|
26. |
Return on advances |
9.27 |
9.15 |
8.50 |
8.22 |
5.45 |
|
27. |
Return on investments |
6.94 |
7.93 |
6.18 |
8.59 |
7.06 |
|
28. |
Return on advances adjusted to cost of funds |
6.07 |
5.71 |
1.20 |
0.28 |
3.88 |
|
29. |
Return on investments adjusted to cost of funds |
3.74 |
4.49 |
-1.13 |
0.65 |
5.49 |
|
30. |
Business per employee (in Rs. lakh) |
786.36 |
837.29 |
1191.00 |
1688.00 |
494.64 |
|
31. |
Profit per employee (in Rs. lakh) |
11.50 |
14.50 |
18.00 |
10.00 |
21.99 |
|
32. |
Capital adequacy ratio |
10.46 |
9.93 |
31.06 |
35.42 |
121.60 |
|
33. |
Capital adequacy ratio - Tier I |
7.10 |
8.21 |
29.76 |
32.94 |
120.07 |
|
34. |
Capital adequacy ratio - Tier II |
3.36 |
1.72 |
1.30 |
2.48 |
1.53 |
|
35. |
Ratio of net NPA to net advances |
1.12 |
1.57 |
4.08 |
1.91 |
0.00 |
|
Note : # See ‘Explanatory Notes’
Source: Annual accounts of banks |
(in per cent) |
|
|
As on March 31 |
|
|
Bank of |
Bank of |
Bharat |
Catholic |
|
Ratios |
Punjab # |
Rajasthan |
Overseas Bank |
Syrian Bank |
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. |
Cash-deposit ratio |
7.57 |
|
4.32 |
5.68 |
4.18 |
4.21 |
9.05 |
7.45 |
2. |
Credit-deposit ratio |
56.12 |
|
35.67 |
45.72 |
60.07 |
63.30 |
56.93 |
62.83 |
3. |
Investment-deposit ratio |
32.57 |
|
43.28 |
28.87 |
35.85 |
29.61 |
32.90 |
33.38 |
4. |
(Credit + Investment) - deposit ratio |
88.69 |
|
78.95 |
74.58 |
95.92 |
92.91 |
89.83 |
96.21 |
5. |
Ratio of deposits to total liabilities |
87.80 |
|
88.70 |
90.23 |
85.53 |
86.96 |
90.66 |
89.84 |
6. |
Ratio of term deposits to total deposits |
52.90 |
|
67.26 |
63.33 |
71.40 |
77.02 |
72.38 |
71.12 |
7. |
Ratio of priority sector advances to total advances |
22.14 |
|
27.71 |
23.87 |
24.91 |
24.97 |
31.44 |
34.08 |
8. |
Ratio of term loan to total advances |
59.55 |
|
50.39 |
60.13 |
38.20 |
38.43 |
54.40 |
54.53 |
9. |
Ratio of secured advances to total advances |
93.51 |
|
90.97 |
88.56 |
88.85 |
85.10 |
96.65 |
96.96 |
10. |
Ratio of investments in non-approved securites |
19.97 |
|
19.56 |
22.25 |
27.97 |
26.20 |
10.72 |
15.51 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
6.74 |
|
5.93 |
5.68 |
7.25 |
7.26 |
8.42 |
7.93 |
12. |
Ratio of net interest margin to total assets |
2.77 |
|
2.42 |
2.34 |
3.48 |
3.07 |
3.34 |
3.19 |
13. |
Ratio of non-interest income to total assets |
1.42 |
|
0.72 |
0.65 |
0.64 |
0.74 |
1.06 |
0.87 |
14. |
Ratio of intermediation cost to total assets |
3.79 |
|
2.21 |
2.68 |
2.32 |
2.50 |
2.61 |
3.26 |
15. |
Ratio of wage bills to intermediation cost |
15.64 |
|
61.96 |
67.30 |
44.80 |
44.49 |
67.23 |
74.66 |
16. |
Ratio of wage bills to total expense |
7.63 |
|
23.96 |
30.01 |
17.07 |
16.61 |
22.80 |
30.43 |
17. |
Ratio of wage bills to total income |
7.26 |
|
20.59 |
28.56 |
13.17 |
13.90 |
18.47 |
27.65 |
18. |
Ratio of burden to total assets |
2.37 |
|
1.49 |
2.04 |
1.68 |
1.76 |
1.55 |
2.39 |
19. |
Ratio of burden to interest income |
35.13 |
|
25.08 |
35.86 |
23.18 |
24.27 |
18.36 |
30.10 |
20. |
Ratio of operating profits to total assets |
0.40 |
|
0.94 |
0.30 |
1.80 |
1.31 |
1.80 |
0.80 |
21. |
Return on assets |
-1.29 |
|
0.38 |
0.19 |
0.62 |
0.15 |
0.24 |
0.13 |
22. |
Return on equity |
-25.26 |
|
10.30 |
4.28 |
10.82 |
2.77 |
5.28 |
2.89 |
23. |
Cost of deposits |
4.20 |
|
3.81 |
3.58 |
4.09 |
4.43 |
5.47 |
5.07 |
24. |
Cost of borrowings |
8.49 |
|
0.88 |
0.99 |
6.42 |
8.34 |
1.19 |
115.55 |
25. |
Cost of funds |
4.23 |
|
3.74 |
3.55 |
4.13 |
4.53 |
5.46 |
5.08 |
26. |
Return on advances |
8.39 |
|
8.76 |
6.92 |
7.79 |
8.14 |
9.97 |
9.66 |
27. |
Return on investments |
7.33 |
|
6.26 |
6.44 |
8.40 |
8.39 |
9.06 |
7.52 |
28. |
Return on advances adjusted to cost of funds |
4.15 |
|
5.02 |
3.37 |
3.66 |
3.62 |
4.51 |
4.58 |
29. |
Return on investments adjusted to cost of funds |
3.09 |
|
2.52 |
2.89 |
4.27 |
3.86 |
3.60 |
2.44 |
30. |
Business per employee (in Rs. lakh) |
355.93 |
|
231.18 |
291.40 |
422.00 |
484.00 |
220.00 |
247.00 |
31. |
Profit per employee (in Rs. lakh) |
-3.24 |
|
0.86 |
0.38 |
1.86 |
0.51 |
0.37 |
0.22 |
32. |
Capital adequacy ratio |
9.23 |
|
12.75 |
10.60 |
14.95 |
11.24 |
11.35 |
11.26 |
33. |
Capital adequacy ratio - Tier I |
3.83 |
|
7.84 |
6.90 |
9.28 |
8.41 |
7.49 |
7.03 |
34. |
Capital adequacy ratio - Tier II |
5.40 |
|
4.91 |
3.70 |
5.67 |
2.83 |
3.86 |
4.23 |
35. |
Ratio of net NPA to net advances |
4.64 |
|
2.50 |
0.99 |
1.56 |
1.87 |
3.80 |
2.78 |
Note : # See ‘Explanatory Notes’
Source: Annual accounts of banks |