(In per cent) |
Ratios |
As on March 31 |
Allahabad
Bank |
Andhra
Bank |
Bank of Baroda |
Bank of
India |
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. |
Cash-deposit ratio |
5.49 |
6.83 |
11.38 |
7.11 |
3.56 |
5.13 |
5.95 |
6.00 |
2. |
Credit-deposit ratio |
60.10 |
69.34 |
65.15 |
67.28 |
63.97 |
66.94 |
69.38 |
70.85 |
3. |
Investment-deposit ratio |
37.08 |
31.48 |
33.74 |
34.50 |
37.49 |
27.97 |
33.83 |
29.61 |
4. |
(Credit+Investment)-deposit ratio |
97.18 |
100.83 |
98.89 |
101.77 |
101.46 |
94.92 |
103.22 |
100.46 |
5. |
Ratio of deposits to total liabilities |
87.72 |
88.00 |
83.41 |
87.20 |
82.60 |
87.26 |
83.66 |
84.64 |
6. |
Ratio of term deposits to total deposits |
60.72 |
62.03 |
63.69 |
65.47 |
62.06 |
66.82 |
64.98 |
67.78 |
7. |
Ratio of priority sector advances to total advances |
41.91 |
39.39 |
37.26 |
37.49 |
29.36 |
28.76 |
31.50 |
29.87 |
8. |
Ratio of term loan to total advances |
54.30 |
53.68 |
41.73 |
42.98 |
39.08 |
45.28 |
37.74 |
39.10 |
9. |
Ratio of secured advances to total advances |
88.40 |
91.54 |
83.76 |
80.46 |
80.61 |
77.53 |
82.47 |
82.58 |
10. |
Ratio of investments in non-approved securities to total investments |
18.47 |
19.43 |
13.47 |
19.55 |
25.16 |
23.77 |
28.44 |
26.48 |
11. |
Ratio of interest income to total assets |
7.50 |
7.94 |
7.29 |
7.52 |
6.78 |
7.18 |
6.78 |
7.23 |
12. |
Ratio of net interest margin to total assets |
3.14 |
2.85 |
3.19 |
3.21 |
3.05 |
2.95 |
2.54 |
2.71 |
13. |
Ratio of non-interest income to total assets |
0.96 |
0.61 |
1.07 |
1.01 |
1.08 |
0.91 |
1.14 |
1.23 |
14. |
Ratio of intermediation cost to total assets |
2.06 |
1.67 |
2.34 |
2.12 |
2.29 |
1.98 |
2.04 |
2.05 |
15. |
Ratio of wage bills to intermediation cost |
65.76 |
60.43 |
57.45 |
58.81 |
63.90 |
64.62 |
62.79 |
61.88 |
16. |
Ratio of wage bills to total expense |
21.12 |
14.92 |
20.85 |
19.39 |
24.34 |
20.63 |
20.40 |
19.33 |
17. |
Ratio of wage bills to total income |
16.03 |
11.80 |
16.07 |
14.59 |
18.63 |
15.83 |
16.17 |
15.02 |
18. |
Ratio of burden to total assets |
1.10 |
1.06 |
1.27 |
1.10 |
1.21 |
1.07 |
0.90 |
0.82 |
19. |
Ratio of burden to interest income |
14.69 |
13.33 |
17.43 |
14.67 |
17.84 |
14.88 |
13.24 |
11.39 |
20. |
Ratio of operating profits to total assets |
2.04 |
1.79 |
1.91 |
2.11 |
1.84 |
1.88 |
1.64 |
1.89 |
21. |
Return on assets |
1.42 |
1.26 |
1.38 |
1.31 |
0.79 |
0.72 |
0.68 |
0.88 |
22. |
Return on equity |
23.67 |
18.49 |
20.52 |
17.78 |
12.28 |
12.45 |
14.85 |
20.65 |
23. |
Cost of deposits |
4.74 |
5.58 |
4.52 |
4.80 |
4.02 |
4.56 |
4.05 |
4.31 |
24. |
Cost of borrowings |
7.14 |
3.45 |
6.57 |
5.39 |
4.41 |
5.30 |
6.11 |
8.68 |
25. |
Cost of funds |
4.74 |
5.57 |
4.57 |
4.82 |
4.03 |
4.58 |
4.18 |
4.55 |
26. |
Return on advances |
8.71 |
9.22 |
8.90 |
9.22 |
7.31 |
8.27 |
7.58 |
8.52 |
27. |
Return on investments |
8.05 |
8.37 |
7.16 |
6.96 |
8.05 |
7.90 |
7.15 |
7.31 |
28. |
Return on advances adjusted to cost of funds |
3.97 |
3.65 |
4.33 |
4.40 |
3.28 |
3.69 |
3.40 |
3.97 |
29. |
Return on investments adjusted to cost of funds |
3.31 |
2.79 |
2.58 |
2.15 |
4.02 |
3.32 |
2.97 |
2.76 |
30. |
Business per employee (in Rs.lakh) |
336.00 |
456.00 |
426.75 |
536.06 |
396.00 |
555.00 |
381.00 |
498.00 |
31. |
Profit per employee (in Rs.lakh) |
3.69 |
3.97 |
3.69 |
4.14 |
2.13 |
2.73 |
1.66 |
2.71 |
32. |
Capital adequacy ratio |
13.37 |
12.52 |
14.00 |
11.33 |
13.65 |
11.80 |
10.75 |
11.58 |
33. |
Capital adequacy ratio - Tier I |
9.53 |
8.10 |
12.20 |
9.98 |
10.98 |
8.74 |
6.75 |
6.54 |
34. |
Capital adequacy ratio - Tier II |
3.84 |
4.42 |
1.80 |
1.35 |
2.67 |
3.06 |
4.00 |
5.04 |
35. |
Ratio of net NPA to net advances |
0.84 |
1.07 |
0.24 |
0.17 |
0.87 |
0.60 |
1.49 |
0.74 |
Source : Annual accounts of banks of respective years. |
(In per cent) |
Ratios |
As on March 31 |
Bank of Maharashtra |
Canara Bank |
Central Bank of India |
Corporation Bank |
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. |
Cash-deposit ratio |
6.96 |
6.69 |
6.78 |
6.39 |
5.09 |
6.61 |
4.99 |
7.04 |
2. |
Credit-deposit ratio |
61.21 |
67.57 |
68.00 |
69.18 |
56.38 |
62.57 |
72.89 |
70.71 |
3. |
Investment-deposit ratio |
42.20 |
33.31 |
31.66 |
31.76 |
43.08 |
33.51 |
32.40 |
34.04 |
4. |
(Credit+Investment)-deposit ratio |
103.41 |
100.88 |
99.65 |
100.95 |
99.46 |
96.09 |
105.29 |
104.75 |
5. |
Ratio of deposits to total liabilities |
86.20 |
86.95 |
87.94 |
85.79 |
89.02 |
89.00 |
81.16 |
80.34 |
6. |
Ratio of term deposits to total deposits |
57.17 |
56.84 |
66.71 |
68.48 |
53.20 |
57.91 |
65.67 |
65.93 |
7.d |
Ratio of priority sector advances to total advances |
41.65 |
39.23 |
37.68 |
37.24 |
43.48 |
39.12 |
33.27 |
35.92 |
8. |
Ratio of term loan to total advances |
62.97 |
64.49 |
45.31 |
46.45 |
57.84 |
60.13 |
57.45 |
60.25 |
9. |
Ratio of secured advances to total advances |
75.23 |
79.71 |
74.25 |
78.50 |
81.94 |
80.66 |
83.75 |
82.33 |
10. |
Ratio of investments in non-approved securities to total investments |
13.69 |
16.50 |
15.39 |
16.05 |
15.65 |
19.31 |
15.34 |
18.91 |
11. |
Ratio of interest income to total assets |
7.72 |
7.75 |
7.17 |
7.61 |
7.52 |
7.44 |
7.06 |
7.36 |
12. |
Ratio of net interest margin to total assets |
3.03 |
3.12 |
2.95 |
2.70 |
3.32 |
2.95 |
3.30 |
2.96 |
13. |
Ratio of non-interest income to total assets |
0.16 |
0.75 |
1.08 |
0.97 |
0.74 |
0.57 |
1.27 |
1.21 |
14. |
Ratio of intermediation cost to total assets |
2.06 |
2.12 |
1.93 |
1.72 |
2.40 |
2.01 |
2.01 |
1.72 |
15. |
Ratio of wage bills to intermediation cost |
64.45 |
62.20 |
64.56 |
62.73 |
74.33 |
69.78 |
48.68 |
47.08 |
16. |
Ratio of wage bills to total expense |
19.64 |
19.55 |
20.27 |
16.25 |
27.02 |
21.59 |
16.94 |
13.25 |
17. |
Ratio of wage bills to total income |
16.80 |
15.53 |
15.11 |
12.56 |
21.56 |
17.52 |
11.73 |
9.47 |
18. |
Ratio of burden to total assets |
1.89 |
1.37 |
0.85 |
0.75 |
1.65 |
1.44 |
0.73 |
0.51 |
19. |
Ratio of burden to interest income |
24.51 |
17.67 |
11.84 |
9.81 |
22.01 |
19.39 |
10.40 |
6.93 |
20. |
Ratio of operating profits to total assets |
1.14 |
1.75 |
2.10 |
1.95 |
1.67 |
1.51 |
2.56 |
2.45 |
21. |
Return on assets |
0.16 |
0.76 |
1.13 |
0.98 |
0.37 |
0.62 |
1.24 |
1.17 |
22. |
Return on equity |
3.26 |
16.41 |
20.29 |
16.25 |
7.68 |
13.77 |
13.82 |
15.02 |
23. |
Cost of deposits |
4.95 |
4.93 |
4.52 |
5.32 |
4.53 |
4.78 |
4.29 |
5.00 |
24. |
Cost of borrowings |
1.53 |
0.97 |
80.05 |
11.69 |
5.82 |
4.35 |
3.95 |
2.42 |
25. |
Cost of funds |
4.88 |
4.88 |
4.57 |
5.35 |
4.53 |
4.78 |
4.27 |
4.85 |
26. |
Return on advances |
8.02 |
8.66 |
7.85 |
8.44 |
8.00 |
8.20 |
7.76 |
8.79 |
27. |
Return on investments |
9.49 |
8.08 |
7.61 |
8.09 |
8.61 |
8.03 |
8.16 |
7.17 |
28. |
Return on advances adjusted to cost of funds |
3.13 |
3.77 |
3.28 |
3.08 |
3.47 |
3.42 |
3.48 |
3.94 |
29. |
Return on investments adjusted to cost of funds |
4.61 |
3.19 |
3.04 |
2.73 |
4.08 |
3.25 |
3.89 |
2.32 |
30. |
Business per employee (in Rs.lakh) |
306.18 |
404.94 |
441.57 |
548.76 |
240.46 |
303.85 |
527.00 |
637.00 |
31. |
Profit per employee (in Rs.lakh) |
0.36 |
1.95 |
3.02 |
3.24 |
0.68 |
1.35 |
4.13 |
4.79 |
32. |
Capital adequacy ratio |
11.27 |
12.06 |
11.22 |
13.50 |
11.03 |
10.40 |
13.92 |
12.76 |
33. |
Capital adequacy ratio - Tier I |
7.47 |
6.03 |
7.81 |
7.17 |
7.19 |
6.32 |
12.41 |
11.30 |
34. |
Capital adequacy ratio - Tier II |
3.80 |
6.03 |
3.41 |
6.33 |
3.84 |
4.08 |
1.51 |
1.46 |
35. |
Ratio of net NPA to net advances |
2.03 |
1.21 |
1.12 |
0.94 |
2.59 |
1.70 |
0.64 |
0.47 |
Source : Annual accounts of banks of respective years. |
(In per cent) |
Ratios |
As on March 31 |
Dena Bank |
IDBI Ltd. |
Indian Bank |
Indian Overseas Bank |
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
(17) |
(18) |
(19) |
(20) |
(21) |
(22) |
(23) |
(24) |
1. |
Cash-deposit ratio |
7.14 |
7.07 |
10.31 |
12.47 |
5.64 |
7.92 |
6.09 |
6.82 |
2. |
Credit-deposit ratio |
60.24 |
66.10 |
202.84 |
144.09 |
55.10 |
61.71 |
68.78 |
68.46 |
3. |
Investment-deposit ratio |
36.28 |
33.35 |
97.50 |
59.22 |
46.60 |
44.34 |
37.51 |
34.88 |
4. |
(Credit+Investment)-deposit ratio |
96.52 |
99.45 |
300.33 |
203.32 |
101.71 |
106.04 |
106.29 |
103.34 |
5. |
Ratio of deposits to total liabilities |
88.99 |
88.04 |
29.36 |
41.75 |
85.66 |
83.87 |
85.13 |
83.57 |
6. |
Ratio of term deposits to total deposits |
56.35 |
55.49 |
70.49 |
74.57 |
65.18 |
64.59 |
60.09 |
65.14 |
7. |
Ratio of priority sector advances to total advances |
41.01 |
39.54 |
13.03 |
14.87 |
46.36 |
45.10 |
39.47 |
38.22 |
8. |
Ratio of term loan to total advances |
53.91 |
53.66 |
90.98 |
87.56 |
53.18 |
60.46 |
48.12 |
53.78 |
9. |
Ratio of secured advances to total advances |
82.03 |
78.67 |
84.45 |
88.62 |
81.85 |
86.66 |
90.92 |
93.15 |
10. |
Ratio of investments in non-approved securities |
15.63 |
16.09 |
36.18 |
36.87 |
14.14 |
20.10 |
16.47 |
12.76 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
6.96 |
7.31 |
6.33 |
6.60 |
7.35 |
8.26 |
8.00 |
8.24 |
12. |
Ratio of net interest margin to total assets |
2.86 |
2.95 |
0.45 |
0.68 |
3.30 |
3.61 |
3.75 |
3.62 |
13. |
Ratio of non-interest income to total assets |
1.74 |
1.35 |
1.51 |
1.07 |
1.01 |
1.41 |
0.98 |
0.55 |
14. |
Ratio of intermediation cost to total assets |
2.22 |
2.11 |
1.01 |
0.81 |
2.36 |
2.40 |
2.29 |
1.96 |
15. |
Ratio of wage bills to intermediation cost |
63.11 |
62.81 |
37.06 |
36.34 |
71.64 |
70.48 |
70.83 |
67.09 |
16. |
Ratio of wage bills to total expense |
22.16 |
20.49 |
5.44 |
4.38 |
26.36 |
24.01 |
24.82 |
19.98 |
17. |
Ratio of wage bills to total income |
16.11 |
15.30 |
4.78 |
3.84 |
20.21 |
17.51 |
18.06 |
14.97 |
18. |
Ratio of burden to total assets |
0.48 |
0.76 |
-0.50 |
-0.26 |
1.35 |
0.99 |
1.31 |
1.41 |
19. |
Ratio of burden to interest income |
6.95 |
10.38 |
-7.82 |
-3.92 |
18.32 |
11.98 |
16.35 |
17.16 |
20. |
Ratio of operating profits to total assets |
2.37 |
2.19 |
0.94 |
0.94 |
1.95 |
2.62 |
2.44 |
2.20 |
21. |
Return on assets |
0.29 |
0.71 |
0.68 |
0.67 |
1.16 |
1.46 |
1.32 |
1.36 |
22. |
Return on equity |
5.98 |
14.22 |
9.12 |
8.59 |
11.97 |
24.00 |
27.23 |
28.14 |
23. |
Cost of deposits |
4.37 |
4.64 |
4.44 |
5.75 |
4.58 |
5.05 |
4.61 |
4.86 |
24. |
Cost of borrowings |
10.29 |
2.74 |
0.37 |
0.31 |
5.57 |
3.19 |
7.64 |
7.46 |
25. |
Cost of funds |
4.42 |
4.62 |
1.58 |
2.68 |
4.61 |
4.97 |
4.65 |
4.93 |
26. |
Return on advances |
7.71 |
8.56 |
8.98 |
9.10 |
8.70 |
9.90 |
8.77 |
9.54 |
27. |
Return on investments |
7.82 |
7.47 |
3.35 |
3.91 |
8.27 |
8.22 |
8.81 |
7.94 |
28. |
Return on advances adjusted to cost of funds |
3.30 |
3.94 |
7.40 |
6.42 |
4.09 |
4.93 |
4.12 |
4.60 |
29. |
Return on investments adjusted to cost of funds |
3.40 |
2.85 |
1.77 |
1.24 |
3.66 |
3.25 |
4.16 |
3.00 |
30. |
Business per employee (in Rs.lakh) |
364.00 |
458.00 |
1718.24 |
1387.16 |
295.00 |
364.00 |
354.73 |
467.23 |
31. |
Profit per employee (in Rs.lakh) |
0.72 |
1.99 |
12.45 |
8.44 |
2.36 |
3.64 |
3.22 |
4.04 |
32. |
Capital adequacy ratio |
10.62 |
11.52 |
14.80 |
13.73 |
13.19 |
14.14 |
13.04 |
13.27 |
33. |
Capital adequacy ratio - Tier I |
5.96 |
6.06 |
11.71 |
9.11 |
10.29 |
12.28 |
8.54 |
8.20 |
34. |
Capital adequacy ratio - Tier II |
4.66 |
5.46 |
3.09 |
4.62 |
2.90 |
1.86 |
4.50 |
5.07 |
35. |
Ratio of net NPA to net advances |
3.04 |
1.99 |
1.01 |
1.12 |
0.79 |
0.35 |
0.65 |
0.55 |
Source : Annual accounts of banks of respective years. |
(In per cent) |
Ratios |
As on March 31 |
Oriental Bank of Commerce |
Punjab & Sind Bank |
Punjab National Bank |
Syndicate Bank |
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
(25) |
(26) |
(27) |
(28) |
(29) |
(30) |
(31) |
(32) |
1. |
Cash-deposit ratio |
8.49 |
8.34 |
4.93 |
5.56 |
19.55 |
8.85 |
5.87 |
8.36 |
2. |
Credit-deposit ratio |
66.89 |
68.97 |
53.81 |
60.76 |
62.35 |
69.07 |
68.00 |
65.71 |
3. |
Investment-deposit ratio |
33.50 |
30.95 |
41.10 |
34.65 |
34.30 |
32.31 |
32.20 |
32.09 |
4. |
(Credit+Investment)-deposit ratio |
100.39 |
99.92 |
94.91 |
95.40 |
96.66 |
101.38 |
100.21 |
97.80 |
5. |
Ratio of deposits to total liabilities |
85.17 |
86.56 |
88.88 |
87.96 |
82.39 |
86.11 |
87.80 |
88.08 |
6. |
Ratio of term deposits to total deposits |
67.35 |
69.70 |
47.87 |
54.28 |
51.01 |
53.84 |
61.82 |
69.37 |
7. |
Ratio of priority sector advances to total advances |
35.12 |
33.08 |
41.20 |
40.27 |
45.68 |
37.81 |
36.99 |
32.81 |
8. |
Ratio of term loan to total advances |
61.34 |
60.58 |
51.87 |
59.44 |
51.05 |
50.52 |
61.03 |
72.44 |
9. |
Ratio of secured advances to total advances |
87.65 |
89.24 |
79.78 |
79.01 |
85.09 |
85.38 |
73.16 |
71.21 |
10. |
Ratio of investments in non-approved securities |
16.97 |
15.55 |
10.01 |
9.09 |
15.62 |
16.75 |
9.92 |
9.99 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.29 |
7.77 |
7.48 |
8.42 |
7.06 |
7.50 |
7.16 |
8.03 |
12. |
Ratio of net interest margin to total assets |
2.84 |
2.55 |
3.63 |
3.74 |
3.44 |
3.58 |
3.32 |
2.86 |
13. |
Ratio of non-interest income to total assets |
0.98 |
0.91 |
0.69 |
1.11 |
0.94 |
0.68 |
0.99 |
0.82 |
14. |
Ratio of intermediation cost to total assets |
1.71 |
1.50 |
2.78 |
2.55 |
2.23 |
2.16 |
2.54 |
1.84 |
15. |
Ratio of wage bills to intermediation cost |
51.82 |
52.20 |
74.87 |
72.09 |
69.96 |
70.72 |
72.29 |
64.54 |
16. |
Ratio of wage bills to total expense |
14.38 |
11.65 |
31.39 |
25.43 |
26.64 |
25.16 |
28.78 |
16.95 |
17. |
Ratio of wage bills to total income |
10.71 |
9.03 |
25.47 |
19.29 |
19.48 |
18.70 |
22.49 |
13.43 |
18. |
Ratio of burden to total assets |
0.73 |
0.59 |
2.09 |
1.44 |
1.29 |
1.48 |
1.54 |
1.02 |
19. |
Ratio of burden to interest income |
10.03 |
7.64 |
27.93 |
17.06 |
18.26 |
19.80 |
21.55 |
12.71 |
20. |
Ratio of operating profits to total assets |
2.11 |
1.95 |
1.54 |
2.30 |
2.15 |
2.10 |
1.78 |
1.84 |
21. |
Return on assets |
1.39 |
1.21 |
0.64 |
1.01 |
1.09 |
1.03 |
0.91 |
0.91 |
22. |
Return on equity |
13.11 |
10.78 |
13.03 |
16.63 |
16.41 |
15.55 |
21.32 |
22.18 |
23. |
Cost of deposits |
4.92 |
5.77 |
4.09 |
4.99 |
4.14 |
4.33 |
4.11 |
5.50 |
24. |
Cost of borrowings |
5.00 |
3.35 |
122.77 |
23.61 |
1.37 |
1.45 |
2.00 |
0.59 |
25. |
Cost of funds |
4.92 |
5.74 |
4.10 |
5.09 |
4.03 |
4.24 |
4.10 |
5.44 |
26. |
Return on advances |
8.03 |
8.49 |
8.59 |
9.87 |
7.91 |
8.93 |
8.65 |
9.49 |
27. |
Return on investments |
9.19 |
8.73 |
8.36 |
8.37 |
8.79 |
8.32 |
6.51 |
8.02 |
28. |
Return on advances adjusted to cost of funds |
3.11 |
2.75 |
4.49 |
4.77 |
3.88 |
4.69 |
4.55 |
4.05 |
29. |
Return on investments adjusted to cost of funds |
4.26 |
2.99 |
4.26 |
3.28 |
4.76 |
4.09 |
2.42 |
2.58 |
30. |
Business per employee (in Rs.lakh) |
570.26 |
742.64 |
277.23 |
328.59 |
330.92 |
407.41 |
348.64 |
489.17 |
31. |
Profit per employee (in Rs.lakh) |
5.37 |
5.61 |
1.14 |
2.34 |
2.48 |
2.68 |
2.05 |
2.76 |
32. |
Capital adequacy ratio |
11.04 |
12.51 |
12.83 |
12.88 |
11.95 |
12.29 |
11.73 |
11.74 |
33. |
Capital adequacy ratio - Tier I |
10.37 |
10.05 |
10.05 |
9.58 |
10.06 |
8.93 |
7.40 |
6.24 |
34. |
Capital adequacy ratio - Tier II |
0.67 |
2.46 |
2.78 |
3.30 |
1.89 |
3.36 |
4.33 |
5.50 |
35. |
Ratio of net NPA to net advances |
0.49 |
0.49 |
2.43 |
0.66 |
0.29 |
0.76 |
0.86 |
0.76 |
Source : Annual accounts of banks of respective years. |
(In per cent) |
Ratios |
As on March 31 |
UCO Bank |
Union Bank of India |
United Bank of India |
Vijaya Bank |
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
(33) |
(34) |
(35) |
(36) |
(37) |
(38) |
(39) |
(40) |
1. |
Cash-deposit ratio |
3.73 |
5.85 |
5.92 |
6.95 |
4.90 |
7.23 |
8.12 |
9.04 |
2. |
Credit-deposit ratio |
68.53 |
72.45 |
72.04 |
73.24 |
53.07 |
59.61 |
60.14 |
64.42 |
3. |
Investment-deposit ratio |
36.00 |
30.10 |
34.98 |
32.85 |
48.31 |
39.29 |
40.35 |
31.96 |
4. |
(Credit+Investment)-deposit ratio |
104.53 |
102.55 |
107.02 |
106.09 |
101.37 |
98.90 |
100.49 |
96.38 |
5. |
Ratio of deposits to total liabilities |
88.20 |
86.64 |
83.13 |
82.96 |
87.98 |
87.84 |
87.87 |
88.78 |
6. |
Ratio of term deposits to total deposits |
70.45 |
70.80 |
67.64 |
65.50 |
53.62 |
57.97 |
64.68 |
69.21 |
7. |
Ratio of priority sector advances to total advances |
34.99 |
34.63 |
38.10 |
39.87 |
38.53 |
37.38 |
40.85 |
39.51 |
8. |
Ratio of term loan to total advances |
55.49 |
59.24 |
42.31 |
43.65 |
58.04 |
62.04 |
57.95 |
59.16 |
9. |
Ratio of secured advances to total advances |
86.43 |
87.21 |
78.04 |
78.27 |
92.90 |
86.33 |
81.27 |
77.44 |
10. |
Ratio of investments in non-approved securities to total investments |
14.38 |
16.08 |
21.75 |
18.14 |
13.08 |
19.78 |
14.82 |
18.54 |
|
|
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.48 |
7.78 |
7.26 |
7.70 |
7.57 |
7.55 |
7.60 |
7.64 |
12. |
Ratio of net interest margin to total assets |
2.69 |
2.48 |
2.94 |
2.91 |
3.27 |
3.12 |
3.20 |
2.90 |
13. |
Ratio of non-interest income to total assets |
0.64 |
0.65 |
0.61 |
0.72 |
1.40 |
0.85 |
0.93 |
0.74 |
14. |
Ratio of intermediation cost to total assets |
2.02 |
1.74 |
1.74 |
1.54 |
2.61 |
2.06 |
2.05 |
1.76 |
15. |
Ratio of wage bills to intermediation cost |
74.74 |
69.86 |
61.81 |
59.20 |
77.23 |
71.62 |
60.76 |
60.26 |
16. |
Ratio of wage bills to total expense |
22.19 |
17.30 |
17.72 |
14.40 |
29.18 |
22.72 |
19.30 |
16.33 |
17. |
Ratio of wage bills to total income |
18.61 |
14.46 |
13.63 |
10.83 |
22.47 |
17.57 |
14.60 |
12.66 |
18. |
Ratio of burden to total assets |
1.38 |
1.10 |
1.12 |
0.82 |
1.21 |
1.21 |
1.12 |
1.02 |
19. |
Ratio of burden to interest income |
18.45 |
14.10 |
15.48 |
10.69 |
15.96 |
16.07 |
14.70 |
13.32 |
20. |
Ratio of operating profits to total assets |
1.31 |
1.38 |
1.82 |
2.09 |
2.07 |
1.90 |
2.08 |
1.88 |
21. |
Return on assets |
0.34 |
0.47 |
0.84 |
0.92 |
0.66 |
0.73 |
0.45 |
0.92 |
22. |
Return on equity |
8.68 |
12.34 |
16.52 |
17.34 |
10.81 |
12.60 |
7.79 |
18.58 |
23. |
Cost of deposits |
5.01 |
5.38 |
4.64 |
5.07 |
4.72 |
4.83 |
4.73 |
5.13 |
24. |
Cost of borrowings |
4.90 |
3.82 |
3.94 |
6.81 |
4.03 |
2.14 |
0.12 |
0.09 |
25. |
Cost of funds |
5.01 |
5.33 |
4.61 |
5.16 |
4.72 |
4.80 |
4.63 |
5.08 |
26. |
Return on advances |
8.09 |
8.39 |
8.04 |
8.76 |
8.57 |
8.78 |
8.66 |
8.63 |
27. |
Return on investments |
8.05 |
8.06 |
8.02 |
7.84 |
8.17 |
7.92 |
8.02 |
8.12 |
28. |
Return on advances adjusted to cost of funds |
3.08 |
3.06 |
3.43 |
3.60 |
3.85 |
3.98 |
4.03 |
3.55 |
29. |
Return on investments adjusted to cost of funds |
3.04 |
2.73 |
3.41 |
2.68 |
3.45 |
3.12 |
3.38 |
3.05 |
30. |
Business per employee (in Rs.lakh) |
387.00 |
464.00 |
436.47 |
509.21 |
254.00 |
350.00 |
369.26 |
455.17 |
31. |
Profit per employee (in Rs.lakh) |
0.82 |
1.30 |
2.66 |
3.25 |
1.18 |
1.59 |
1.16 |
3.04 |
32. |
Capital adequacy ratio |
11.12 |
11.56 |
11.41 |
12.80 |
13.12 |
12.02 |
11.94 |
11.21 |
33. |
Capital adequacy ratio - Tier I |
6.09 |
5.78 |
7.32 |
7.79 |
10.01 |
7.72 |
9.26 |
7.07 |
34. |
Capital adequacy ratio - Tier II |
5.03 |
5.78 |
4.09 |
5.01 |
3.11 |
4.30 |
2.68 |
4.14 |
35. |
Ratio of net NPA to net advances |
2.10 |
2.14 |
1.56 |
0.96 |
1.95 |
1.50 |
0.85 |
0.59 |
Source : Annual accounts of banks of respective years. |