(in per cent) |
Ratios |
As on March 31 |
Centurion
Bank of Punjab # |
City Union Bank |
Development
Credit Bank |
Dhanalakshmi Bank |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. |
Cash-deposit ratio |
9.40 |
5.92 |
5.20 |
6.08 |
5.68 |
6.16 |
8.72 |
6.95 |
2. |
Credit-deposit ratio |
62.14 |
69.51 |
65.03 |
72.48 |
55.36 |
59.77 |
60.29 |
62.95 |
3. |
Investment-deposit ratio |
41.91 |
31.10 |
35.61 |
30.06 |
47.08 |
41.35 |
30.27 |
28.02 |
4. |
(Credit + Investment) - deposit ratio |
104.06 |
100.60 |
100.64 |
102.54 |
102.44 |
101.13 |
90.56 |
90.97 |
5. |
Ratio of deposits to total liabilities |
76.55 |
82.96 |
88.55 |
85.24 |
83.59 |
83.49 |
88.44 |
88.91 |
6. |
Ratio of term deposits to total deposits |
70.98 |
61.27 |
78.15 |
77.05 |
77.29 |
67.94 |
73.13 |
71.08 |
7. |
Ratio of priority sector advances to total advances |
28.51 |
30.29 |
39.86 |
40.82 |
32.77 |
29.69 |
29.93 |
35.57 |
8. |
Ratio of term loan to total advances |
80.16 |
75.59 |
27.62 |
35.36 |
74.40 |
68.90 |
42.35 |
49.68 |
9. |
Ratio of secured advances to total advances |
92.29 |
87.01 |
93.52 |
95.28 |
81.38 |
71.94 |
88.52 |
92.27 |
10. |
Ratio of investments in non-approved securites |
6.69 |
18.71 |
8.30 |
14.75 |
10.57 |
20.48 |
9.51 |
5.83 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
8.48 |
10.08 |
8.69 |
8.56 |
6.03 |
6.60 |
7.55 |
7.64 |
12. |
Ratio of net interest margin to total assets |
4.36 |
5.00 |
3.31 |
3.67 |
1.39 |
1.79 |
2.87 |
3.02 |
13. |
Ratio of non-interest income to total assets |
1.77 |
3.91 |
1.00 |
1.16 |
1.82 |
1.91 |
0.58 |
0.98 |
14. |
Ratio of intermediation cost to total assets |
5.37 |
6.27 |
1.87 |
1.97 |
3.29 |
4.17 |
2.73 |
2.98 |
15. |
Ratio of wage bills to intermediation cost |
19.48 |
27.87 |
49.42 |
48.45 |
32.91 |
29.52 |
56.83 |
51.12 |
16. |
Ratio of wage bills to total expense |
11.02 |
15.40 |
12.76 |
13.89 |
13.63 |
13.71 |
20.92 |
20.04 |
17. |
Ratio of wage bills to total income |
10.21 |
12.50 |
9.55 |
9.80 |
13.77 |
14.47 |
19.05 |
17.65 |
18. |
Ratio of burden to total assets |
3.60 |
2.36 |
0.87 |
0.80 |
1.47 |
2.26 |
2.15 |
1.99 |
19. |
Ratio of burden to interest income |
42.47 |
23.44 |
10.03 |
9.39 |
24.35 |
34.23 |
28.44 |
26.09 |
20. |
Ratio of operating profits to total assets |
0.76 |
2.64 |
2.44 |
2.86 |
-0.08 |
-0.47 |
0.73 |
1.03 |
21. |
Return on assets |
0.64 |
0.89 |
1.33 |
1.46 |
-3.38 |
-2.01 |
-0.83 |
0.33 |
22. |
Return on equity |
6.41 |
11.54 |
20.88 |
21.40 |
-63.79 |
-46.90 |
-17.41 |
7.66 |
23. |
Cost of deposits |
4.46 |
5.81 |
6.03 |
5.57 |
4.91 |
5.04 |
5.07 |
4.96 |
24. |
Cost of borrowings |
9.30 |
29.14 |
2.21 |
2.50 |
9.47 |
14.85 |
2.89 |
13.26 |
25. |
Cost of funds |
4.52 |
5.98 |
6.00 |
5.53 |
5.11 |
5.43 |
5.07 |
4.97 |
26. |
Return on advances |
14.30 |
13.28 |
10.42 |
10.72 |
8.09 |
8.75 |
9.69 |
9.62 |
27. |
Return on investments |
4.07 |
8.17 |
8.45 |
7.11 |
4.78 |
5.57 |
7.85 |
7.58 |
28. |
Return on advances adjusted to cost of funds |
9.78 |
7.30 |
4.42 |
5.19 |
2.97 |
3.33 |
4.62 |
4.65 |
29. |
Return on investments adjusted to cost of funds |
-0.45 |
2.19 |
2.46 |
1.58 |
-0.33 |
0.14 |
2.78 |
2.61 |
30. |
Business per employee (in Rs. lakh) |
383.00 |
339.00 |
325.80 |
339.69 |
402.00 |
390.00 |
292.70 |
311.71 |
31. |
Profit per employee (in Rs. lakh) |
1.83 |
1.96 |
3.23 |
3.51 |
-11.00 |
-7.00 |
-1.65 |
0.72 |
32. |
Capital adequacy ratio |
21.42 |
12.52 |
12.18 |
12.33 |
9.88 |
9.66 |
10.16 |
9.75 |
33. |
Capital adequacy ratio - Tier I |
17.80 |
10.84 |
10.05 |
10.77 |
5.85 |
5.96 |
6.12 |
6.21 |
34. |
Capital adequacy ratio - Tier II |
3.62 |
1.68 |
2.13 |
1.56 |
4.03 |
3.70 |
4.04 |
3.54 |
35. |
Ratio of net NPA to net advances |
2.49 |
1.13 |
3.37 |
1.95 |
6.34 |
4.50 |
3.92 |
2.44 |
Note : # See ‘Explanatory Notes’
Source: Annual accounts of banks |
(in per cent) |
Ratios |
As on March 31 |
Federal Bank |
Ganesh Bank of Kurundwad # |
HDFC Bank |
ICICI Bank |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
1. |
Cash-deposit ratio |
4.54 |
6.79 |
8.34 |
|
7.29 |
5.93 |
6.36 |
5.41 |
2. |
Credit-deposit ratio |
58.07 |
65.64 |
43.47 |
|
70.33 |
62.84 |
91.57 |
88.54 |
3. |
Investment-deposit ratio |
38.17 |
35.08 |
37.89 |
|
53.23 |
50.89 |
50.58 |
43.34 |
4. |
(Credit + Investment) - deposit ratio |
96.24 |
100.73 |
81.36 |
|
123.55 |
113.73 |
142.15 |
131.88 |
5. |
Ratio of deposits to total liabilities |
90.32 |
86.61 |
93.13 |
|
70.69 |
75.91 |
59.54 |
65.67 |
6. |
Ratio of term deposits to total deposits |
75.48 |
74.98 |
73.23 |
|
39.35 |
44.55 |
75.73 |
77.28 |
7. |
Ratio of priority sector advances to total advances |
32.15 |
34.30 |
62.56 |
|
21.97 |
30.99 |
21.98 |
29.20 |
8. |
Ratio of term loan to total advances |
43.20 |
43.89 |
79.98 |
|
60.14 |
73.59 |
79.05 |
76.48 |
9. |
Ratio of secured advances to total advances |
90.21 |
86.71 |
99.45 |
|
76.60 |
69.16 |
86.28 |
83.01 |
10. |
Ratio of investments in non-approved securites |
12.32 |
9.32 |
0.30 |
|
41.94 |
30.84 |
31.70 |
28.61 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.46 |
7.67 |
7.96 |
|
6.60 |
7.16 |
6.43 |
6.58 |
12. |
Ratio of net interest margin to total assets |
3.15 |
3.20 |
1.40 |
|
3.79 |
4.08 |
1.94 |
2.00 |
13. |
Ratio of non-interest income to total assets |
1.33 |
1.16 |
-0.31 |
|
1.39 |
1.80 |
2.33 |
2.38 |
14. |
Ratio of intermediation cost to total assets |
1.97 |
1.95 |
2.28 |
|
2.32 |
2.71 |
2.25 |
2.14 |
15. |
Ratio of wage bills to intermediation cost |
59.19 |
62.64 |
59.78 |
|
25.49 |
28.79 |
22.35 |
24.16 |
16. |
Ratio of wage bills to total expense |
18.53 |
19.01 |
15.43 |
|
11.52 |
13.45 |
7.47 |
7.69 |
17. |
Ratio of wage bills to total income |
13.24 |
13.81 |
17.84 |
|
7.39 |
8.69 |
5.75 |
5.77 |
18. |
Ratio of burden to total assets |
0.64 |
0.79 |
2.59 |
|
0.93 |
0.91 |
-0.08 |
-0.24 |
19. |
Ratio of burden to interest income |
8.55 |
10.28 |
32.54 |
|
14.03 |
12.67 |
-1.24 |
-3.65 |
20. |
Ratio of operating profits to total assets |
2.51 |
2.41 |
-1.19 |
|
2.87 |
3.17 |
2.02 |
2.24 |
21. |
Return on assets |
0.62 |
1.28 |
-2.58 |
|
1.47 |
1.38 |
1.48 |
1.30 |
22. |
Return on equity |
13.13 |
22.82 |
-54.08 |
|
18.45 |
17.74 |
18.86 |
14.33 |
23. |
Cost of deposits |
4.58 |
4.82 |
7.02 |
|
3.32 |
3.38 |
3.87 |
4.41 |
24. |
Cost of borrowings |
0.78 |
0.86 |
11.78 |
|
4.68 |
8.24 |
0.79 |
2.57 |
25. |
Cost of funds |
4.54 |
4.73 |
7.02 |
|
3.45 |
3.76 |
3.02 |
4.01 |
26. |
Return on advances |
9.35 |
8.91 |
12.21 |
|
7.68 |
8.91 |
8.77 |
8.15 |
27. |
Return on investments |
6.70 |
7.59 |
6.95 |
|
6.79 |
6.84 |
4.75 |
6.05 |
28. |
Return on advances adjusted to cost of funds |
4.81 |
4.18 |
5.18 |
|
4.23 |
5.15 |
5.75 |
4.14 |
29. |
Return on investments adjusted to cost of funds |
2.15 |
2.86 |
-0.07 |
|
3.34 |
3.08 |
1.73 |
2.04 |
30. |
Business per employee (in Rs. lakh) |
366.00 |
431.00 |
124.28 |
|
806.00 |
758.00 |
880.00 |
905.00 |
31. |
Profit per employee (in Rs. lakh) |
1.39 |
3.54 |
0.00 |
|
8.80 |
7.39 |
11.00 |
10.00 |
32. |
Capital adequacy ratio |
11.27 |
13.75 |
3.99 |
|
12.16 |
11.41 |
11.78 |
13.35 |
33. |
Capital adequacy ratio - Tier I |
6.42 |
9.72 |
-0.25 |
|
9.60 |
8.55 |
7.59 |
9.20 |
34. |
Capital adequacy ratio - Tier II |
4.85 |
4.03 |
4.24 |
|
2.56 |
2.86 |
4.19 |
4.15 |
35. |
Ratio of net NPA to net advances |
2.21 |
0.95 |
8.32 |
|
0.24 |
0.44 |
1.65 |
0.72 |
Note : # See ‘Explanatory Notes’
Source : Annual accounts of banks |
(in per cent) |
Ratios |
As on March 31 |
IndusInd Bank |
ING Vysya Bank |
Jammu & Kashmir Bank |
Karnataka Bank |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
1. |
Cash-deposit ratio |
4.85 |
4.03 |
5.30 |
6.31 |
7.74 |
3.99 |
6.35 |
4.04 |
2. |
Credit-deposit ratio |
68.63 |
62.04 |
72.24 |
76.73 |
53.21 |
61.67 |
58.02 |
58.83 |
3. |
Investment-deposit ratio |
31.03 |
36.05 |
33.38 |
32.79 |
41.73 |
38.33 |
42.04 |
41.90 |
4. |
(Credit + Investment) - deposit ratio |
99.65 |
98.09 |
105.63 |
109.51 |
94.94 |
100.00 |
100.06 |
100.73 |
5. |
Ratio of deposits to total liabilities |
83.95 |
85.15 |
81.67 |
79.53 |
88.63 |
88.79 |
86.51 |
88.56 |
6. |
Ratio of term deposits to total deposits |
89.31 |
87.13 |
75.77 |
72.99 |
68.00 |
65.83 |
78.40 |
79.12 |
7. |
Ratio of priority sector advances to total advances |
23.50 |
26.78 |
31.17 |
30.31 |
21.79 |
19.53 |
33.31 |
35.58 |
8. |
Ratio of term loan to total advances |
64.14 |
74.56 |
53.56 |
50.21 |
59.68 |
61.72 |
39.49 |
41.43 |
9. |
Ratio of secured advances to total advances |
91.25 |
87.21 |
91.29 |
87.38 |
88.44 |
87.84 |
84.69 |
88.30 |
10. |
Ratio of investments in non-approved securites |
15.74 |
15.24 |
19.17 |
14.16 |
35.38 |
28.98 |
25.28 |
26.26 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.39 |
7.15 |
6.92 |
7.60 |
6.79 |
6.71 |
7.27 |
7.41 |
12. |
Ratio of net interest margin to total assets |
2.71 |
1.90 |
2.49 |
2.99 |
2.61 |
2.61 |
2.74 |
2.66 |
13. |
Ratio of non-interest income to total assets |
1.63 |
1.36 |
0.86 |
1.18 |
0.42 |
0.52 |
1.91 |
1.21 |
14. |
Ratio of intermediation cost to total assets |
1.73 |
1.90 |
2.66 |
3.23 |
1.41 |
1.36 |
1.71 |
1.49 |
15. |
Ratio of wage bills to intermediation cost |
22.70 |
26.78 |
46.33 |
45.14 |
55.40 |
55.73 |
63.43 |
56.80 |
16. |
Ratio of wage bills to total expense |
6.11 |
7.13 |
17.37 |
18.59 |
14.02 |
13.86 |
17.37 |
13.56 |
17. |
Ratio of wage bills to total income |
4.34 |
5.99 |
15.82 |
16.58 |
10.87 |
10.46 |
11.80 |
9.80 |
18. |
Ratio of burden to total assets |
0.09 |
0.54 |
1.80 |
2.04 |
0.99 |
0.83 |
-0.21 |
0.27 |
19. |
Ratio of burden to interest income |
1.26 |
7.62 |
25.99 |
26.87 |
14.63 |
12.43 |
-2.84 |
3.70 |
20. |
Ratio of operating profits to total assets |
2.61 |
1.35 |
0.69 |
0.95 |
1.62 |
1.78 |
2.95 |
2.39 |
21. |
Return on assets |
1.50 |
0.22 |
-0.25 |
0.05 |
0.47 |
0.67 |
1.27 |
1.28 |
22. |
Return on equity |
25.79 |
4.34 |
-4.80 |
0.97 |
7.06 |
10.21 |
17.56 |
16.85 |
23. |
Cost of deposits |
4.69 |
5.53 |
4.48 |
4.76 |
4.61 |
4.55 |
5.09 |
5.30 |
24. |
Cost of borrowings |
7.60 |
8.71 |
2.30 |
3.39 |
4.41 |
2.00 |
1.14 |
1.39 |
25. |
Cost of funds |
5.00 |
5.66 |
4.32 |
4.67 |
4.61 |
4.52 |
5.00 |
5.23 |
26. |
Return on advances |
9.95 |
9.34 |
8.08 |
8.54 |
8.42 |
8.48 |
8.38 |
8.73 |
27. |
Return on investments |
7.16 |
6.56 |
6.41 |
7.07 |
7.38 |
6.22 |
7.56 |
7.37 |
28. |
Return on advances adjusted to cost of funds |
4.95 |
3.69 |
3.75 |
3.87 |
3.81 |
3.96 |
3.38 |
3.50 |
29. |
Return on investments adjusted to cost of funds |
2.16 |
0.91 |
2.08 |
2.40 |
2.78 |
1.71 |
2.56 |
2.13 |
30. |
Business per employee (in Rs. lakh) |
925.78 |
880.18 |
394.92 |
426.00 |
435.00 |
516.00 |
380.90 |
478.29 |
31. |
Profit per employee (in Rs. lakh) |
10.12 |
1.56 |
-0.73 |
0.17 |
2.00 |
3.00 |
3.35 |
4.05 |
32. |
Capital adequacy ratio |
11.62 |
10.54 |
9.09 |
10.67 |
15.15 |
12.14 |
14.16 |
11.78 |
33. |
Capital adequacy ratio - Tier I |
7.24 |
6.84 |
5.20 |
7.14 |
12.48 |
11.76 |
12.15 |
11.38 |
34. |
Capital adequacy ratio - Tier II |
4.38 |
3.70 |
3.89 |
3.53 |
2.67 |
0.38 |
2.01 |
0.40 |
35. |
Ratio of net NPA to net advances |
2.71 |
2.09 |
2.13 |
1.76 |
1.41 |
0.92 |
2.29 |
1.18 |
Source: Annual accounts of banks |
(in per cent) |
|
|
As on March 31 |
|
|
Nainital |
Ratnakar |
Sangli |
|
SBI Comm. |
Ratios |
Bank |
Bank |
Bank |
|
& Int. Bank |
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(41) |
(42) |
(43) |
(44) |
(45) |
(46) |
(47) |
(48) |
1. |
Cash-deposit ratio |
5.49 |
5.62 |
12.01 |
13.11 |
6.77 |
4.73 |
5.35 |
5.43 |
2. |
Credit-deposit ratio |
38.92 |
53.64 |
54.07 |
56.15 |
40.90 |
44.32 |
69.61 |
67.10 |
3. |
Investment-deposit ratio |
45.12 |
33.04 |
33.77 |
31.65 |
46.36 |
41.18 |
30.58 |
29.23 |
4. |
(Credit + Investment) - deposit ratio |
84.04 |
86.68 |
87.83 |
87.79 |
87.27 |
85.50 |
100.19 |
96.34 |
5. |
Ratio of deposits to total liabilities |
88.87 |
85.14 |
90.11 |
89.35 |
93.92 |
93.18 |
69.50 |
71.47 |
6. |
Ratio of term deposits to total deposits |
50.65 |
45.97 |
71.53 |
61.70 |
66.15 |
59.26 |
89.11 |
85.18 |
7. |
Ratio of priority sector advances to total advances |
55.79 |
50.29 |
31.25 |
32.52 |
14.65 |
8.41 |
3.93 |
9.30 |
8. |
Ratio of term loan to total advances |
43.47 |
44.98 |
44.41 |
47.15 |
23.79 |
12.00 |
20.46 |
55.23 |
9. |
Ratio of secured advances to total advances |
93.62 |
92.90 |
82.40 |
83.95 |
94.40 |
86.61 |
82.17 |
92.42 |
10. |
Ratio of investments in non-approved securites |
47.16 |
29.12 |
22.54 |
24.08 |
7.78 |
8.89 |
1.76 |
1.59 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.72 |
7.77 |
7.78 |
7.60 |
6.68 |
6.15 |
5.35 |
7.20 |
12. |
Ratio of net interest margin to total assets |
3.89 |
4.37 |
3.18 |
3.25 |
2.47 |
2.35 |
1.93 |
3.43 |
13. |
Ratio of non-interest income to total assets |
0.99 |
1.08 |
0.59 |
0.69 |
0.43 |
0.33 |
1.92 |
2.08 |
14. |
Ratio of intermediation cost to total assets |
2.66 |
3.09 |
2.64 |
2.53 |
2.61 |
2.78 |
1.59 |
1.52 |
15. |
Ratio of wage bills to intermediation cost |
69.62 |
74.86 |
59.46 |
62.04 |
76.71 |
76.34 |
40.33 |
40.03 |
16. |
Ratio of wage bills to total expense |
28.56 |
35.67 |
21.69 |
22.82 |
29.36 |
32.23 |
12.77 |
11.51 |
17. |
Ratio of wage bills to total income |
21.29 |
26.18 |
18.76 |
18.96 |
28.15 |
32.72 |
8.80 |
6.57 |
18. |
Ratio of burden to total assets |
1.68 |
2.02 |
2.05 |
1.84 |
2.18 |
2.44 |
-0.33 |
-0.55 |
19. |
Ratio of burden to interest income |
21.70 |
25.97 |
26.32 |
24.26 |
32.61 |
39.75 |
-6.18 |
-7.67 |
20. |
Ratio of operating profits to total assets |
2.22 |
2.35 |
1.13 |
1.41 |
0.29 |
-0.10 |
2.26 |
3.98 |
21. |
Return on assets |
1.25 |
1.06 |
-1.17 |
0.07 |
-1.52 |
-1.37 |
-2.10 |
1.09 |
22. |
Return on equity |
15.83 |
12.90 |
-19.14 |
1.19 |
-36.51 |
-34.92 |
-10.73 |
6.31 |
23. |
Cost of deposits |
4.31 |
3.90 |
5.15 |
4.80 |
4.47 |
4.05 |
4.59 |
4.34 |
24. |
Cost of borrowings |
6.22 |
3.36 |
14.41 |
6.94 |
110.35 |
133.98 |
0.83 |
8.51 |
25. |
Cost of funds |
4.31 |
3.90 |
5.16 |
4.80 |
4.49 |
4.06 |
4.33 |
4.77 |
26. |
Return on advances |
10.78 |
10.00 |
10.26 |
10.16 |
6.19 |
6.95 |
5.00 |
7.03 |
27. |
Return on investments |
8.15 |
8.92 |
8.69 |
8.07 |
7.15 |
6.21 |
6.75 |
7.57 |
28. |
Return on advances adjusted to cost of funds |
6.47 |
6.10 |
5.09 |
5.36 |
1.71 |
2.89 |
0.68 |
2.25 |
29. |
Return on investments adjusted to cost of funds |
3.84 |
5.02 |
3.53 |
3.27 |
2.66 |
2.15 |
2.42 |
2.80 |
30. |
Business per employee (in Rs. lakh) |
162.32 |
225.00 |
220.75 |
250.92 |
105.35 |
117.40 |
527.06 |
626.43 |
31. |
Profit per employee (in Rs. lakh) |
2.00 |
2.00 |
-1.73 |
0.11 |
-1.66 |
-1.61 |
-9.73 |
5.70 |
32. |
Capital adequacy ratio |
14.85 |
13.88 |
12.03 |
10.69 |
9.30 |
1.64 |
23.56 |
22.29 |
33. |
Capital adequacy ratio - Tier I |
11.30 |
10.97 |
10.06 |
9.64 |
6.44 |
0.82 |
23.01 |
20.91 |
34. |
Capital adequacy ratio - Tier II |
3.55 |
2.91 |
1.97 |
1.05 |
2.86 |
0.82 |
0.55 |
1.38 |
35. |
Ratio of net NPA to net advances |
0.00 |
0.00 |
5.54 |
2.61 |
4.30 |
2.34 |
7.65 |
3.82 |
Source: Annual accounts of banks |
|
|
|
|
|
|
|
|
(in per cent) |
|
|
As on March 31 |
|
|
South |
|
Tamilnad |
United |
UTI |
|
Ratios |
Indian |
|
Mercantile |
Western |
Bank |
|
|
Bank |
|
Bank |
Bank |
|
|
|
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
|
|
(49) |
(50) |
(51) |
(52) |
(53) |
(54) |
(55) |
(56) |
1. |
Cash-deposit ratio |
5.10 |
5.70 |
6.30 |
5.41 |
5.79 |
4.54 |
10.88 |
6.06 |
2. |
Credit-deposit ratio |
63.18 |
66.50 |
54.41 |
60.09 |
61.62 |
61.82 |
49.20 |
55.63 |
3. |
Investment-deposit ratio |
36.90 |
28.60 |
47.35 |
45.40 |
32.58 |
34.16 |
47.45 |
53.67 |
4. |
(Credit + Investment) - deposit ratio |
100.08 |
95.10 |
101.76 |
105.49 |
94.20 |
95.99 |
96.65 |
109.29 |
5. |
Ratio of deposits to total liabilities |
89.60 |
88.47 |
85.94 |
85.25 |
91.10 |
90.42 |
84.02 |
80.66 |
6. |
Ratio of term deposits to total deposits |
75.21 |
73.59 |
73.62 |
71.58 |
67.82 |
59.91 |
62.02 |
60.02 |
7. |
Ratio of priority sector advances to total advances |
31.87 |
35.59 |
47.38 |
46.06 |
32.08 |
38.71 |
28.22 |
34.64 |
8. |
Ratio of term loan to total advances |
55.35 |
53.88 |
32.89 |
37.97 |
27.47 |
29.65 |
66.69 |
70.29 |
9. |
Ratio of secured advances to total advances |
89.82 |
88.31 |
89.08 |
93.93 |
89.86 |
83.47 |
87.03 |
89.88 |
10. |
Ratio of investments in non-approved securites |
6.50 |
8.55 |
37.70 |
37.85 |
22.21 |
22.01 |
50.04 |
45.33 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.57 |
7.50 |
9.58 |
9.36 |
6.84 |
6.82 |
6.22 |
6.60 |
12. |
Ratio of net interest margin to total assets |
2.74 |
3.06 |
4.32 |
4.20 |
2.06 |
2.32 |
2.36 |
2.47 |
13. |
Ratio of non-interest income to total assets |
1.09 |
0.71 |
1.27 |
1.41 |
0.92 |
0.79 |
1.34 |
1.67 |
14. |
Ratio of intermediation cost to total assets |
2.00 |
2.23 |
2.33 |
2.21 |
1.97 |
2.53 |
1.88 |
1.86 |
15. |
Ratio of wage bills to intermediation cost |
63.35 |
61.65 |
58.47 |
57.67 |
54.13 |
59.99 |
30.42 |
29.51 |
16. |
Ratio of wage bills to total expense |
18.54 |
20.58 |
17.96 |
17.31 |
15.80 |
21.58 |
9.97 |
9.15 |
17. |
Ratio of wage bills to total income |
14.61 |
16.72 |
12.57 |
11.86 |
13.74 |
19.96 |
7.56 |
6.64 |
18. |
Ratio of burden to total assets |
0.90 |
1.51 |
1.06 |
0.80 |
1.05 |
1.75 |
0.54 |
0.19 |
19. |
Ratio of burden to interest income |
11.95 |
20.20 |
11.10 |
8.59 |
15.30 |
25.57 |
8.60 |
2.92 |
20. |
Ratio of operating profits to total assets |
1.84 |
1.54 |
3.25 |
3.39 |
1.01 |
0.57 |
1.83 |
2.27 |
21. |
Return on assets |
0.09 |
0.53 |
1.52 |
1.67 |
-1.42 |
-1.55 |
1.21 |
1.18 |
22. |
Return on equity |
2.05 |
9.29 |
15.90 |
16.65 |
-36.00 |
-39.06 |
18.81 |
18.28 |
23. |
Cost of deposits |
5.20 |
4.80 |
5.73 |
5.73 |
5.00 |
4.75 |
4.06 |
4.32 |
24. |
Cost of borrowings |
1.90 |
23.23 |
3.21 |
3.96 |
6.17 |
7.80 |
1.09 |
2.70 |
25. |
Cost of funds |
5.18 |
4.81 |
5.72 |
5.72 |
5.01 |
4.77 |
3.94 |
4.23 |
26. |
Return on advances |
9.15 |
9.36 |
10.46 |
10.05 |
7.85 |
7.72 |
7.84 |
8.06 |
27. |
Return on investments |
7.26 |
6.37 |
10.49 |
9.91 |
7.47 |
7.66 |
7.60 |
7.03 |
28. |
Return on advances adjusted to cost of funds |
3.97 |
4.55 |
4.73 |
4.33 |
2.84 |
2.95 |
3.90 |
3.83 |
29. |
Return on investments adjusted to cost of funds |
2.08 |
1.57 |
4.77 |
4.19 |
2.46 |
2.89 |
3.66 |
2.80 |
30. |
Business per employee (in Rs. lakh) |
352.00 |
422.00 |
316.97 |
358.29 |
309.00 |
324.00 |
1021.00 |
1020.00 |
31. |
Profit per employee (in Rs. lakh) |
0.24 |
1.37 |
3.60 |
4.41 |
-3.12 |
-3.48 |
8.02 |
8.69 |
32. |
Capital adequacy ratio |
9.89 |
13.02 |
19.74 |
18.33 |
4.86 |
0.99 |
12.66 |
11.08 |
33. |
Capital adequacy ratio - Tier I |
5.68 |
8.38 |
16.22 |
17.60 |
2.43 |
0.50 |
8.87 |
7.26 |
34. |
Capital adequacy ratio - Tier II |
4.21 |
4.64 |
3.52 |
0.73 |
2.43 |
0.49 |
3.79 |
3.82 |
35. |
Ratio of net NPA to net advances |
3.81 |
1.86 |
2.95 |
2.17 |
5.83 |
5.66 |
1.39 |
0.98 |
Source: Annual accounts of banks |
(in per cent) |
|
|
As on March 31 |
|
Ratios |
Yes Bank |
|
|
|
2005 |
2006 |
|
|
(57) |
(58) |
1. |
Cash-deposit ratio |
6.23 |
3.03 |
2. |
Credit-deposit ratio |
114.77 |
82.71 |
3. |
Investment-deposit ratio |
59.55 |
46.39 |
4. |
(Credit + Investment) - deposit ratio |
174.33 |
129.10 |
5. |
Ratio of deposits to total liabilities |
51.87 |
69.92 |
6. |
Ratio of term deposits to total deposits |
98.62 |
89.29 |
7. |
Ratio of priority sector advances to total advances |
3.29 |
26.35 |
8. |
Ratio of term loan to total advances |
85.40 |
82.11 |
9. |
Ratio of secured advances to total advances |
48.77 |
70.99 |
10. |
Ratio of investments in non-approved securites |
31.95 |
39.86 |
|
to total investments |
|
|
11. |
Ratio of interest income to total assets |
2.35 |
6.99 |
12. |
Ratio of net interest margin to total assets |
1.42 |
3.14 |
13. |
Ratio of non-interest income to total assets |
1.42 |
3.67 |
14. |
Ratio of intermediation cost to total assets |
3.13 |
3.17 |
15. |
Ratio of wage bills to intermediation cost |
53.26 |
58.20 |
16. |
Ratio of wage bills to total expense |
41.07 |
26.27 |
17. |
Ratio of wage bills to total income |
44.18 |
17.29 |
18. |
Ratio of burden to total assets |
1.70 |
-0.50 |
19. |
Ratio of burden to interest income |
72.63 |
-7.16 |
20. |
Ratio of operating profits to total assets |
-0.29 |
3.64 |
21. |
Return on assets |
-0.29 |
2.13 |
22. |
Return on equity |
-1.73 |
14.01 |
23. |
Cost of deposits |
1.34 |
4.76 |
24. |
Cost of borrowings |
0.80 |
4.53 |
25. |
Cost of funds |
1.15 |
4.72 |
26. |
Return on advances |
3.04 |
8.59 |
27. |
Return on investments |
1.58 |
5.45 |
28. |
Return on advances adjusted to cost of funds |
1.89 |
3.88 |
29. |
Return on investments adjusted to cost of funds |
0.43 |
0.73 |
30. |
Business per employee (in Rs. lakh) |
687.93 |
848.08 |
31. |
Profit per employee (in Rs. lakh) |
-1.82 |
8.82 |
32. |
Capital adequacy ratio |
18.81 |
16.43 |
33. |
Capital adequacy ratio - Tier I |
18.64 |
13.78 |
34. |
Capital adequacy ratio - Tier II |
0.17 |
2.65 |
35. |
Ratio of net NPA to net advances |
0.00 |
0.00 |
Source: Annual accounts of banks |