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This section defines financial terms and ratio used in this publication.
Total Advances = Bills purchased & discounted (Short term) + Cash credits, overdrafts & loans (Short term) + Term loans
Total Deposits = Demand Deposits + Savings Bank Deposit + Term Deposits
CASA Deposits = Demand Deposits + Savings Bank Deposits
CASA Ratio (%) = CASA Deposits/Total Deposits
Total Business = Total advances + Total deposits
Net-worth = Capital + Reserves & Surplus
Total Borrowings = Secured Borrowings (In India and Outside India) + Unsecured Borrowings (In India and Outside India)
Total Assets = Cash in hand + Balances with RBI + Balances with banks inside/outside India + Money at call + Investments + Advances + Fixed
Assets + Other Assets
Average Total Assets = [Total Assets CY+ Total Assets PY]/2
Total Liabilities = Capital + Reserves & surplus + Deposits + Borrowings + Other liabilities & provisions
Net Interest Income = Interest Earned - Interest Expended
Net Interest Margin (%) = Net Interest Income/Average Assets
Non Interest Income Margin (%) = Other Income/Average Assets
Interest Cost (%) = Interest expended/Average Borrowed funds
Yield in carry business (%) = Interest earned/Average funds in carry business
Spread (%) = Yield in carry business - Interest cost
Core fee income = Other income - [Net Profit/Loss sale of investments, land and other assets + Net profit/Loss on revaluation of investments +
50% of the miscellaneous income]
Core fee income Ratio (%) = Core fee income/Average funds deployed
Operating Expense Ratio = Operating Expenses/Average funds deployed
Cost to Income Ratio (%) = Operating expenses/[Net interest income + Other income]
Cost to Net Income Ratio (%) = Operating expenses/[Net interest income + Other income - {Net P&L from sale & revaluation of other assets, land
and investments}]
Net Profit Margin (%) = Spreads + Core fee income Ratio - Operating expense Ratio
Return on Assets (%) = Net Income or Profit/Average Total Assets
Return on Equity (%) = Net Income or Profit/Net-worth
Cash - Deposit Ratio (%) = [Cash in hand + Balances with RBI]/ Total deposits
Credit - Deposit Ratio (%) = Total Advances/Total Deposits
Incremental Credit (Advances) = Total Advances CY - Total Advances PY
Incremental Deposit = Total Deposits CY - Total Deposits PY
Incremental Credit - Deposit Ratio (%) = Incremental Advances/ Incremental Deposits
Investment - Deposit Ratio (%) = Total Investments/Total Deposits
Incremental Investment = Total Investment CY - Total Investments PY
Incremental Investment - Deposit Ratio (%) = Incremental Investments/Incremental Deposits
SLR Investments = Investment in Government Securities + Investment in Approved Securities
SLR Investment Ratio (%) = SLR Investments/Total Investments
Statutory Liquidity Ratio (%) = SLR Investments/Total Deposits
Restructured Assets = Corporate Debt Restructured {Standard/Sub-standard/Doubtful} + Other than Corporate Debt Restructured {Standard/Sub-
standard/Doubtful}
Off-balance sheet exposure = Outstanding Forward Exchange Contracts + Guarantees given on behalf of constituents + Acceptances &
Endorsements + Other contingent liabilities
Sensitive Sector Advances = Capital Markets Sector Advances + Real Estate Sector Advances + Commodity Sector Advances
Total Branches = Rural + Semi-urban + Urban + Metros
Total Branches (including ATMs) = Branches {Rural + Semi-urban + Urban + Metros} + ATMs {On-site/Off-site}
India's Top Banks 2010 - Definitions & Calculations http://www.dnb.co.in/IndiaTopBanks2011/Defination.asp
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Business per branch = Total Business/Total Branches
Business per branch (including ATMs) = Total Business/Total Branches (including ATMs)
Business per employee = Total Business/ Total Employees
Profit per branch = Net Profit/ Total Branches
Profit per branch (including ATMs) = Net Profit/Total Branches (including ATMs)
Profit per employee = Net Profit/ Total Employees
Employee per branch = Total Employee/Total Branches
Employee per branch (including ATMs) = Total Employee/Total Branches (including ATMs)
India's Top Banks 2010 - Definitions & Calculations http://www.dnb.co.in/IndiaTopBanks2011/Defination.asp
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