Analysis and interpretation of data

No. 1 2 3 4 5 6 7 8 9 10 11 Particulars Business per unit of capital Net profit per unit of capital Interest income per unit of capital Non-interest income per unit of capital Interest expenditure per unit of capital Business per Employee Net profit per Employee Net total income per Employee Working fund per Employee Business per Employee Net profit per Employee Page No.

1) Business per Unit of capital

To know the capital productivity of a bank, the best ratio that can be used is business per unit of capital. Here total capital employed means working fund i.e. total assets or total liabilities. If this ratio is high the productivity of capital is high. And if this ratio is low the productivity is low.

Formula:Business per unit of capital = Where, Business = deposits + Advances of the bank. Working fund = W.F. are total resources of a bank as on a particular date. Table no. Particular Deposits Advances = Business Working fund Ratio 1st 3rd 4th 77,166.80 64,209.62 51,344.28 43,050.61 56,692.54 44,828.05 35,462.44 28,877.96 133859.34 109037.67 86806.72 71928.57
yr

2nd

yr

yr

yr

5th 33,943.18 23,023.98 56967.16

yr

BUSINESS PER UNIT OF CAPITAL

Series 3
6 5 4 3 2 1 0 2007-08 2008-09 2009-10 2010-11 2011-12

Series 3

Analysis:With the help of above given formula the net profit per employee calculate for the year 07-08 to 2011-12. In the year 07-08, the ratio was 0.045. In the year 2008-09 net profit per employee ratio was 0.05. We see and say that in the year 09-10 the ratio was 0.05 and in the year 2010-11 the ratio is 0.06 so we can say that net profit per employee is increase year by year. In the year 2011-12 the ratio is 0.07 thus ratio is increase then the last year. In the way, we can see that the net profit per employee is increase during the period of 07-08 to 2011-12.

2) Net profit per unit of capital The Productivity of capital can be measured by the net profit per unit of capital ratio. If this is high the productivity of the capital is high. If this ratio is low, the productivity of the capital is low. Formula:Net profit per unit of capital = Net profit Working fund Net profit: Net profit will be achieved by deducting provisions and contingencies and provision for taxation from the operating ratio. Working Fund: working is total resources of a bank as on a particular date. Table no. Particular Net profit Working fund Ratio

1st yr
803.14

2nd yr
611.63

3rd yr
511.25

4th yr
422.66

5th yr
359.79

NET PROFIT PER UNIT OF CAPITAL

Series 3
6 5 4 3 2 1 0 2007-08 2008-09 2009-10 2010-11 2011-12

Series 3

Analysis:With the help of above given formula the net profit per employee calculate for the year 07-08 to 2011-12. in the year 07-08, the ratio was 0.045. In the year 2008-09 net profit per employee ratio was 0.05. We see and say that in the year 09-10 the ratio was 0.05 and in the year 2010-11 the ratio is 0.06 so we can say that net profit per employee is increase year by year. In the year 2011-12 the ratio is 0.07 thus ratio is increase then the last year. In the way, we can see that the net profit per employee is increase during the period of 07-08 to 2011-12.

3) Interest income per unit of capital :

The productivity of capital can be measured by the interest income per unit of capital. If this ratio is high, the productivity of the capital is high. If this ratio is low, the productivity of the capital is low. Formula:Interest income per unit of capital = interest income Working fund Interest income: the total discount interest income from loans and advances, interest income from investment. Working fund: working is total resources of a bank as on a particular date. Table no. Particular Interest income Working fund Ratio 1st yr
6,794.13

2nd yr
5,033.53

3rd yr
4,010.36

4th yr

5th yr

3,447.50 2,710.05

Interest income per unit of capital

Series 3
6 5 4 3 2 1 0 2007-08 2008-09 2009-10 2010-11 2011-12

Series 3

Analysis:With the help of above given formula the net profit per employee calculate for the year 07-08 to 2011-12. in the year 07-08, the ratio was 0.045. In the year 2008-09 net profit per employee ratio was 0.05. We see and say that in the year 09-10 the ratio was 0.05 and in the year 2010-11 the ratio is 0.06 so we can say that net profit per employee is increase year by year. In the year 2011-12 the ratio is 0.07 thus ratio is increase then the last year. In the way, we can see that the net profit per employee is increase during the period of 07-08 to 2011-12.

4) Non-interest income per unit of capital :

The Productivity of capital can be measured by the net profit per unit of capital ratio. If this is high the productivity of the capital is high. If this ratio is low, the productivity of the capital is low.

Formula: Non-interest income per unit of capital = Net profit Working fund Non-interest income : other income Working fund : working is total resources of a bank as on a particular date. Particular Noninterest income Working fund Ratio 1st yr
582.17

2nd yr
533.84

3rd yr
588.63

4th yr
430.13

5th yr
478.13

Non-interest income per unit of capital

Series 3
6 5 4 3 2 1 0 2007-08 2008-09 2009-10 2010-11 2011-12

Series 3

Analysis :With the help of above given formula the net profit per employee calculate for the year 07-08 to 2011-12. in the year 07-08, the ratio was 0.045. In the year 2008-09 net profit per employee ratio was 0.05. We see and say that in the year 09-10 the ratio was 0.05 and in the year 2010-11 the ratio is 0.06 so we can say that net profit per employee is increase year by year. In the year 2011-12 the ratio is 0.07 thus ratio is increase then the last year. In the way, we can see that the net profit per employee is increase during the period of 07-08 to 2011-12.

5) Interest expenditure per unit of capital :

This ratio can also be measure the capital productivity of the bank. Here interest expenditure means amount paid by the bank to depositors on their short term and long term deposits. If this ratio is low, the productivity of capital is high. And if this ratio is high ,the productivity of capital is low. Formula: Interest expenditure per unit of capital = Interest expenses Working fund Interest expenditure: interest expenditure means amount paid by the bank to depositors on their short term and long term Deposite. Working fund: working is total resources of a bank as on a particular date.

Particular Interest expenses Working fund Ratio

1st yr
4,693.13

2nd yr
3,270.16

3rd yr
2,910.33

4th yr
2,383.07

5th yr
1,817.14

Interest expenditure per unit of capital

Series 3
6 5 4 3 2 1 0 2007-08 2008-09 2009-10 2010-11 2011-12

Series 3

Analysis:With the help of above given formula the net profit per employee calculate for the year 07-08 to 2011-12. in the year 07-08, the ratio was 0.045. In the year 2008-09 net profit per employee ratio was 0.05. We see and say that in the year 09-10 the ratio was 0.05 and in the year 2010-11 the ratio is 0.06 so we can say that net profit per employee is increase year by year. In the year 2011-12 the ratio is 0.07 thus ratio is increase then the last year. In the way, we can see that the net profit per employee is increase during the period of 07-08 to 2011-12.

6) Business per employee :

To know the employees productivity. The best ratio that can be used is business per employee ratio. If this ratio is high, the productivity of employees in the bank is better. And if this ratio is law, the productivity of the employee in the bank is lower. This ratio is an indicator of degree of employees productivity of bank. Formula: Business per employee = business No. of employees

Particular Deposits Advances =business No.of employee Ratio

1st yr 77166.80 56692.54 133859.34 10202 13.12

2nd yr 64209.62 44828.05 109037.67 9645 11.30

3rd yr 51344.28 35462.44 86806.72 9007 9.63

4th yr 43050.61 28877.96 71928.57 8436 8.53

5th yr 33943.18 23023.98 56967.16 7865 7.24

Business per employee

Series 3
14 12 10 8 6 4 2 0 2007-08 2008-09 2009-10 2010-11 2011-12 Series 3

Analysis :With the help of above given formula the net profit per employee calculate for the year 07-08 to 2011-12. in the year 07-08, the ratio was 7.24. In the year 2008-09 net profit per employee ratio was 8.53. We see and say that in the year 09-10 the ratio was 9.63 and in the year 2010-11 the ratio is 11.3 so we can say that net profit per employee is increase year by year. In the year 2011-12 the ratio is 13.12 thus ratio is increase then the last year. In the way, we can see that the net profit per employee is increase during the period of 07-08 to 2011-12.

7) Net profit per employee :

To measure per employee profit, profit per employee ratio is used. This is the best indicator of the productivity. This ratio shows how efficiently the work employee work in the bank. If this ratio is high it indicates better employee productivity. If this ratio is low, it indicates lower employee productivity.

Formula: Net profit per employee = Net profit No. of employees Net profit: net profit will be achieved by deducting provisions and contingencies and provision for taxation from the operating profit. Employee: Employee in India include officers, clerks and subordinates.

Particular Net profit No.of employee Ratio

1st yr 2nd yr 3rd yr 4th yr 5th yr 803.14 611.63 511.25 422.66 359.79 10202 9645 9007 8436 7865 0.07 0.06 0.05 0.05 0.045

Net profit per employee Series 3

0.08 0.07 0.06 0.05 0.04 0.03 0.02 0.01 0 2007-08 2008-09 2009-10 2010-11 2011-12 Series 3

Analysis :With the help of above given formula the net profit per employee calculate for the year 07-08 to 2011-12. in the year 07-08, the ratio was 0.045. In the year 2008-09 net profit per employee ratio was 0.05. We see and say that in the year 09-10 the ratio was 0.05 and in the year 2010-11 the ratio is 0.06 so we can say that net profit per employee is increase year by year. In the year 2011-12 the ratio is 0.07 thus ratio is increase then the last year. In the way, we can see that the net profit per employee is increase during the period of 07-08 to 2011-12.

8) Net total income per employee : To measure the relationship between net total income and employee, net total income per employee ratio is used. Net total income is a key indicator of the productivity of a bank. Net total income includes interest plus other income of the bank. If this ratio is high, the productivity of the bank is high. If this ratio is low the productivity is low. Formula : Net total income per employee = Net total income No. of employees Net total income : it includes interest income plus other income of the bank. Employee : employee in india include officers, clerks and subordinates.

Particular Net total income No.of employee Ratio

1st yr

2nd yr

3rd yr

4th yr

5th yr

7,376.30 5,567.37 4,598.99 3,877.63 3,188.18 10202 0.72 9645 0.58 9007 0.51 8436 0.46 7865 0.41

Net total income per employee

Series 3
0.8 0.7 0.6 0.5 0.4 0.3 0.2 0.1 0 2007-08 2008-09 2009-10 2010-11 2011-12 Series 3

Analysis :With the help of above given formula the net profit per employee calculate for the year 07-08 to 2011-12. in the year 07-08, the ratio was 0.045. In the year 2008-09 net profit per employee ratio was 0.05. We see and say that in the year 09-10 the ratio was 0.05 and in the year 2010-11 the ratio is 0.06 so we can say that net profit per employee is increase year by year. In the year 2011-12 the ratio is 0.07 thus ratio is increase then the last year. In the way, we can see that the net profit per employee is increase during the period of 07-08 to 2011-12.

9) Working fund per employee :

This ratio is used to measure the relationship between working fund and employee of the bank. The working fund and contingent liability are considered in this ratio. This is one of the best indicators of the productivity of the bank. If this ratio is low, the productivity is low. If this ratio is high, the productivity is high.

Formula: Working fund per employee = working fund + contingent liability No. of employees

Working fund: working is total resources of a bank as on a particular date. Employee: Employee in India include officers, clerks and subordinates.

Particular 1st yr 2nd yr 3rd yr 4th yr 5th yr Working fund Contingent 36,367.62 12,523.97 11,330.45 10,019.53 13,372.10 liability No. of 10202 9645 9007 8436 7865 employee Ratio

Working fund per employee Series 3

6 5 4 3 2 1 0 2007-08 2008-09 2009-10 2010-11 2011-12

Series 3

Analysis:With the help of above given formula the net profit per employee calculate for the year 07-08 to 2011-12. in the year 07-08, the ratio was 0.045. In the year 2008-09 net profit per employee ratio was 0.05. We see and say that in the year 09-10 the ratio was 0.05 and in the year 2010-11 the ratio is 0.06 so we can say that net profit per employee is increase year by year. In the year 2011-12 the ratio is 0.07 thus ratio is increase then the last year. In the way, we can see that the net profit per employee is increase during the period of 07-08 to 2011-12.

10)

Business per branch :

Business per branch ratio is an indicator of the relationship between business and number of branches of the bank. This is one of the best indicators of the banks productivity. If this ratio is high, the the productivity of the bank is high. If this ratio is low, the productivity of the bank is low. Formula : Business Per branch = business No. of branch Business : deposits + advances of the bank Branch : a branch may be defined as a section of an enterprise, geographically separated from rest of the business, controlled by head office and generally carrying on same activities as of the enterprise. Particular deposits Advances =business No. of branch Ratio 1st yr 77166.80 56692.54 133859.34 1232 108.65 2nd yr 64209.62 44828.05 109037.67 1198 91.01 3rd yr 51344.28 35462.44 86806.72 1141 76.07 4th yr 43050.61 28877.96 71928.57 1102 65.27 5th yr 33943.18 23023.98 56967.16 1070 53.24

Business per branch

Series 3
120 100 80 60 Series 3 40 20 0 2007-08 2008-09 2009-10 2010-11 2011-12

Analysis :With the help of above given formula the net profit per employee calculate for the year 07-08 to 2011-12. in the year 07-08, the ratio was 53.24. In the year 2008-09 net profit per employee ratio was 65.27. We see and say that in the year 09-10 the ratio was 76.07 and in the year 2010-11 the ratio is 91.01 so we can say that net profit per employee is increase year by year. In the year 2011-12 the ratio is 108.65 thus ratio is increase then the last year. In the way, we can see that the net profit per employee is increase during the period of 07-08 to 2011-12.

11)

Net profit per branch :

This ratio is used to measure the profit earned per branch of the bank. This ratio measure the efficiency of the branches of the bank. If this ratio is high, the productivity of the bank is high. If this ratio is low, the productivity is low.

Formula : Net profit per branch = Net profit No. of the branch Net profit : net profit will be achieved by deducting provisions and contingencies and provision for taxation form the operating profit. Branch : A branch may be defined as a section of an enterprise, geographically separated from rest of the business, controlled by head office and generally carrying on same activities as of the enterprise. Particular Net profit No. of branches Ratio 1st yr 803.14 1232 0.65 2nd yr 611.63 1198 0.51 3rd yr 511.25 1141 0.44 4th yr 422.66 1102 0.38 5th yr 359.79 1070 0.33

Net profit per branch Series 3

0.7 0.6 0.5 0.4 0.3 0.2 0.1 0 2007-08 2008-09 2009-10 2010-11 2011-12 Series 3

Analysis :With the help of above given formula the net profit per employee calculate for the year 07-08 to 2011-12. in the year 07-08, the ratio was 0.33. In the year 2008-09 net profit per employee ratio was 0.38. We see and say that in the year 09-10 the ratio was 0.44 and in the year 2010-11 the ratio is 0.51 so we can say that net profit per employee is increase year by year. In the year 2011-12 the ratio is 0.65 thus ratio is increase then the last year. In the way, we can see that the net profit per employee is increase during the period of 07-08 to 2011-12.