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A Profile of Banks

2010-11

Reserve Bank of India


1

Copies of this publication are available from the Director,


Division of Reports and Knowledge Dissemination
Department of Economic and Policy Research, Reserve Bank of India,
Amar Building (Ground Floor) Fort,
Post Box No. 1036, Mumbai - 400 001.
Telephone : (022) 2266 1644 [Ext. : 4002] Fax : (022) 2263 2110
Email : spsdrrp@rbi.org.in

Inland

Abroad :

(i)
(ii)
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(ii)

PRICE

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Cheque/Drafts should be drawn in favour of Reserve Bank of India


Payable at Mumbai

NOTES

Explanatory Notes
This publication provides quick data on select important items on scheduled commercial banks, excluding regional rural
banks, from 2006-07 to 2010-11. This is the seventh volume in the series; first volume of the series was published for
the year 2004-05.
1.
Data sources
1.1. Most of the data presented in the publication are from annual accounts of banks.
1.2. Data on number of offices are from Master Office File, Department of Statistics and Information Management
(DSIM), RBI.
1.3. Data on number of employees are from Indian Banks Association (IBA).
2.
Data definitions
2.1. Capital, reserves & surplus, deposits, investments, advances, interest income, interest expended and
operating expenses are as in annual accounts of banks.
2.2. Business (defined as deposits plus advances) per employee, profit per employee, return on assets, capital
adequacy ratio (CRAR) and net non-performing assets as percentage of net advances (Net NPA ratio) are
from Notes on Accounts of annual accounts.
2.3. For the years 2008-09 to 2010-11, bank-wise CRAR is given as per Basel-II. However, for the year
2007-08, wherever CRAR as per Basel-II is not available CRAR as per Basel-I is given and which is
indicated by $. For the year 2006-07, CRAR is given as per Basel-I.
2.4. Number of offices includes branches and administrative offices.
2.5. Cost of Funds (CoF) is defined as the ratio (in %) of interest paid on deposits and borrowings to average
of opening and closing balances of deposits and borrowings for the respective years.
2.6. Cost adjusted return on advances is CoF subtracted from return on advances, where return on advances
is defined as the ratio (in %) of interest earned on advances to average of opening and closing balances
of advances for the respective years.
2.7. Wages as percentage to total expenses is computed as the ratio (in %) of payment to and provisions for
3
employees to total expenses.

3.

Bank group level aggregates


3.1.

4.

Bank group level aggregates have been computed from respective items at bank level. Computation of
ratios follows definitions similar to those of bank level ratios; that is ratios of corresponding aggregates at
bank group level. More specific details are as follows:
i)

Business per employee (or profit per employee) is computed by dividing the total business (or profit)
for the group by the number of employees in the group.

ii)

CoF is computed as the ratio (in %) of interest paid on deposits and borrowings to average of opening
and closing balances of deposits and borrowings of the respective years.

iii)

Return on advances adjusted to CoF is computed by subtracting CoF for the group from return on
advances for the group; the latter is computed as the ratio (in %) of interest earned on advances by
the group to average of opening and closing balances of total advances of the group.

iv)

Return on assets for a group is obtained as weighted average of return on assets of individual banks
in the group, weights being the proportion of total assets of the bank as percentage to total assets of
the group.

v)

Capital adequacy ratios for the bank groups have been obtained from OSMOS, Department of Banking
Supervision, RBI.

General
4.1.

IDBI Bank Limited, a public sector bank, is clubbed along with nationalised banks.

4.2.

For quick comparison, bank group aggregates and all banks aggregates for 2010-11 are given against
every bank.

4.3.

As on the date of printing, annual account of one bank, i. e., Bank International Indonesia was not available.
Therefore, this banks data have not been included in this publication.

4.4.

The symbol - indicates nil or negligible and the symbol .. indicates not applicable or not available.

Foreign Banks

AB Bank
(Amount in

Items
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Fund (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

1
27
209.48
8.80

1
26
212.37
10.67

1
27
215.69
14.06

1
28
204.63
17.46

1
28
326.63
17.08

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

46
25
9
33

47
31
11
26

49
31
11
29

54
34
16
17

59
55
14
72

80972
240689
165499
195539

509813
5616432
1916053
4298704

5
5
1
4

4
4
3

5
8
1
4

3
12
7

4
16
8

28520
10972
10622
12557

491665
79564
298891
123129

2.31
6.88
16.93

1.56
7.07
21.18

2.32
9.36
20.25

1.34
8.80
14.52

0.61
5.71
11.82

3.11
5.64
23.31

4.73
4.45
17.05

3.42
100.00
-

3.84
43.09
9.25

4.75
50.67
6.67

5.58
30.01
7.68

4.53
30.57
-

1.74
16.72
0.67

1.10
14.17
0.97

A,B

Foreign Banks

Abu Dhabi Commercial Bank


(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

2
36
1865.72
4.80

2
39
1772.97
78.29

2
40
1759.98
41.96

2
41
1542.63
18.60

2
43
1607.70
19.11

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

78
474
144
203

107
414
162
162

123
509
195
137

131
523
246
152

139
565
220
180

80972
240689
165499
195539

509813
5616432
1916053
4298704

47
15
32
19

65
7
27
27

48
5
20
13

41
3
20
13

43
4
24
15

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.06
3.78
10.33

4.73
3.42
10.90

4.20
7.54
16.30

3.89
4.57
20.89

3.74
4.54
21.47

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.23
27.66
0.63

3.96
51.71
-

2.40
47.57
-

1.13
44.79
0.19

1.12
45.25
2.89

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

Nationalised Banks

Allahabad Bank
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

2140
20379
495.00
3.68

2234
20079
604.00
4.85

2335
20457
706.00
3.75

2361
20959
845.00
5.76

2473
21227
1063.00
6.70

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

4477
59544
18746
41290

5221
71616
23400
49720

5852
84972
29651
58802

6753
106056
38429
71605

8507
131887
43247
93625

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

4884
376
3133
1027

6171
965
4499
1158

7365
1142
5206
1399

8369
1516
5719
1618

11015
1370
6992
2338

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.57
3.65
14.92

6.50
3.30
12.2

6.10
4.02
13.23

5.37
4.44
13.79

5.23
4.78
16.69

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.26
12.52
1.07

1.32
11.99
0.80

0.90
13.11
0.72

1.16
13.62
0.66

1.11
12.96
0.79

1.03
13.47
0.92

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

Foreign Banks

American Express Banking Corporation


(Amount in

Items

2006-07

2007-08

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2008-09

2009-10

2
857
133.83
-

2
870
137.58
-

2
971
167.66
2.69

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

Capital and Reserves & surplus


Deposits
Investment
Advances

481
330
213
695

481
569
221
875

624
519
239
1078

80972
240689
165499
195539

509813
5616432
1916053
4298704

Interest income
Other income
Interest expended
Operating expenses

77
335
81
375

64
315
32
321

62
398
38
416

28520
10972
10622
12557

491665
79564
298891
123129

19.06
-10.55
22.38

6.17
1.03
24.40

5.83
-0.76
22.45

3.11
5.64
23.31

4.73
4.45
17.05

-7.92
21.34
4.34

-4.24
19.10
1.59

1.67
23.61
1.50

1.74
16.72
0.67

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

Nationalised Banks

Andhra Bank
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

1322
12981
536.06
4.14

1401
13387
626.53
4.30

1463
14255
728.29
4.58

1586
14292
939.00
7.00

1643
14098
1165.00
9.00

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

3156
41454
14301
27889

3249
49437
14898
34238

3647
59390
16911
44139

4410
77688
20881
56114

6492
92156
24204
71435

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

3315
447
1898
933

4210
626
2870
909

5375
765
3748
1104

6373
965
4178
1350

8291
897
5070
1705

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.82
4.40
19.39

6.12
4.11
13.48

6.40
4.36
12.86

5.38
4.92
14.91

5.23
5.26
16.30

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.31
11.33
0.17

1.16
11.61 $
0.15

1.09
13.22
0.18

1.39
13.93
0.17

1.36
14.38
0.38

1.03
13.47
0.92

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

Foreign Banks

Antwerp Diamond Bank


(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

1
18
2071.57
55.63

1
19
2618.95
53.54

1
24
3371.97
70.76

1
24
1955.63
-7.88

1
25
2592.31
-60.06

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

147
54
158
375

203
80
171
476

219
81
215
700

217
57
195
446

202
55
165
600

80972
240689
165499
195539

509813
5616432
1916053
4298704

41
7
25
6

41
8
23
6

48
13
23
8

34
15
8
11

29
11
7
12

28520
10972
10622
12557

491665
79564
298891
123129

4.60
2.51
8.78

3.79
2.39
10.00

3.33
2.33
11.73

1.14
3.36
23.24

0.67
2.67
36.86

3.11
5.64
23.31

4.73
4.45
17.05

1.70
46.48
-

1.63
37.09
-

1.64
26.79
3.35

-0.25
33.72
14.32

-1.72
33.73
3.04

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Fund (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

10

Private Sector Banks

Axis Bank
(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

508
9980
1024.00
7.59

651
14739
1117.00
8.39

831
20624
1060.00
10.00

1035
21640
1111.00
12.00

1459
26435
1366.00
14.00

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

3402
58786
26897
36876

8771
87626
33705
59661

10215
117374
46330
81557

16045
141300
55975
104341

18999
189238
71992
142408

138589
1002759
422020
797534

509813
5616432
1916053
4298704

Interest income
Other income
Interest expended
Operating expenses

4462
1010
2993
1215

7005
1795
4420
2155

10835
2897
7149
2858

11638
3946
6634
3710

15155
4632
8592
4779

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.96
4.17
9.06

4.98
4.85
10.19

5.74
4.83
9.97

4.03
4.57
12.14

4.10
4.34
12.07

4.56
5.11
14.54

4.73
4.45
17.05

1.10
11.57
0.72

1.24
13.73 $
0.42

1.44
13.69
0.40

1.67
15.80
0.40

1.68
12.65
0.29

1.43
16.46
0.56

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances

Return on Assets
CRAR
Net NPA ratio

11

Foreign Banks

Bank of America
(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

5
283
1920.89
69.09

5
314
2483.54
102.08

5
293
2430.57
110.85

5
284
3101.97
121.26

5
323
3852.25
139.02

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

1778
2718
1886
2916

2411
4191
2878
3452

2748
4167
3670
3356

3099
5490
8383
3631

3521
5992
4861
5859

80972
240689
165499
195539

509813
5616432
1916053
4298704

430
233
169
140

514
348
163
167

607
393
152
175

569
493
186
244

725
581
198
359

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.70
2.24
25.20

3.70
4.08
27.31

2.22
9.06
24.6

1.85
5.75
29.50

1.96
5.12
39.08

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

3.10
13.33
-

3.76
13.45
-

3.42
12.73
-

2.60
15.49
-

3.77
14.51
-

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

12

Foreign Banks

Bank of Bahrain & Kuwait


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

2
76
704.00
-11.00

2
94
718.00
20.00

2
103
616.00
14.00

2
106
850.00
2.00

2
100
896.00
14.00

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

88
364
109
171

95
395
123
280

100
472
149
287

100
515
225
387

106
515
233
383

80972
240689
165499
195539

509813
5616432
1916053
4298704

30
5
17
11

35
9
19
12

49
15
25
17

41
10
27
17

52
10
24
17

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.59
5.38
15.45

4.50
5.06
16.03

5.19
7.12
17.76

4.90
4.19
16.73

3.55
6.62
20.22

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

-1.90
22.00
0.12

4.08
21.61
1.51

3.14
25.52
0.09

0.37
25.01
1.95

1.99
23.28
0.52

1.74
16.72
0.67

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

13

Nationalised Banks

Bank of Baroda
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

2812
38604
555.00
2.73

2931
37260
710.00
3.94

3006
36440
914.00
6.00

3182
38152
981.00
8.00

3447
39385
1333.00
11.00

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

Capital and Reserves & surplus


Deposits
Investment
Advances

8650
124916
34944
83621

11044
152034
43870
106701

12880
192397
52446
143251

15106
241262
61182
175035

20993
305439
71261
228676

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

9004
1382
5427
2544

11813
2051
7902
3034

15092
2758
9968
3576

16698
2806
10759
3811

21886
2809
13084
4630

256490
28625
164135
53819

491665
79564
298891
123129

4.58
3.69
20.63

5.33
3.51
17.41

5.25
3.71
17.34

4.37
3.51
16.14

4.19
3.83
16.47

4.93
4.27
16.41

4.73
4.45
17.05

0.80
11.8
0.60

0.89
12.94
0.47

1.09
14.05
0.31

1.21
14.36
0.34

1.33
14.52
0.35

1.03
13.47
0.92

1.10
14.17
0.97

Interest income
Other income
Interest expended
Operating expenses
Cost of Fund (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

14

Foreign Banks

Bank of Ceylon
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

1
25
579.00
9.00

1
29
483.00
15.00

1
30
488.00
73.00

1
30
444.00
18.00

1
27
605.00
27.00

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

Capital and Reserves & surplus


Deposits
Investment
Advances

57
86
31
41

61
74
30
41

80
86
31
45

86
92
63
40

93
97
37
67

80972
240689
165499
195539

509813
5616432
1916053
4298704

Interest income
Other income
Interest expended
Operating expenses

10
3
4
3

11
4
3
3

14
15
3
3

11
6
4
4

13
5
4
4

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.18
4.17
13.78

3.70
9.07
14.71

3.35
10.76
16.28

4.18
7.41
17.69

3.99
7.03
17.37

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.25
63.21
14.96

2.24
55.97
4.01

10.23
45.18
-

2.73
50.85
-

3.68
42.09
-

1.74
16.72
0.67

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

15

Nationalised Banks

Bank of India
(Amount in

crore)

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

2819
41511
498.00
2.71

2980
40557
652.00
4.95

3109
40155
833.00
7.49

3228
39676
1011.00
4.39

3387
39785
1284.00
6.20

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

Capital and Reserves & surplus


Deposits
Investment
Advances

5895
119882
35493
85116

10589
150012
41803
113476

13495
189708
52607
142909

14230
229762
67080
168491

17291
298886
85872
213096

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

8936
1563
5496
2608

12355
2117
8126
2645

16347
3052
10848
3094

17878
2617
12122
3668

21752
2642
13941
5068

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.55
3.96
19.92

5.37
3.97
15.38

5.69
4.09
13.90

4.97
3.45
14.54

4.53
3.59
18.28

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.88
11.75
0.95

1.25
12.04
0.52

1.49
13.01
0.44

0.70
12.94
1.31

0.79
12.17
0.91

1.03
13.47
0.92

1.10
14.17
0.97

Items

Interest income
Other income
Interest expended
Operating expenses

16

Nationalised Banks

Bank of Maharashtra
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

1386
13893
404.94
1.95

1416
13590
515.69
2.39

1463
13631
636.00
2.76

1496
13673
762.00
3.21

1575
13861
825.00
2.38

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

1742
33919
11298
22919

1782
41758
12283
29286

2517
52255
18382
34291

2858
63304
21324
40315

3971
66845
22491
46881

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

2722
265
1628
746

3440
380
2312
836

4292
500
3035
963

4736
591
3439
1073

5563
531
3595
1644

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.88
3.77
19.55

5.6
4.22
15.42

5.86
4.42
14.50

5.28
3.75
14.53

4.89
4.30
22.09

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.76
12.06
1.21

0.75
10.85 $
0.87

0.72
12.05
0.79

0.70
12.78
1.64

0.47
13.35
1.32

1.03
13.47
0.92

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

17

Foreign Banks

Bank of Nova Scotia


(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

5
194
2311.12
39.10

5
203
3082.88
49.89

5
195
3890.97
78.39

5
196
3750.43
101.43

5
194
4294.06
97.37

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

608
2079
1095
2969

708
3755
1644
4774

861
2976
1726
4805

1060
3454
1922
5071

1252
3655
2439
6299

80972
240689
165499
195539

509813
5616432
1916053
4298704

Interest income
Other income
Interest expended
Operating expenses

257
82
179
40

354
114
258
40

545
171
371
59

424
133
181
46

462
154
239
53

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.16
1.63
7.06

5.11
1.58
5.67

5.94
2.58
4.16

2.4
4.58
8.48

3.34
2.50
8.11

3.11
5.64
23.31

4.73
4.45
17.05

1.73
23.26
-

1.73
20.15 $
-

2.04
12.70
-

2.79
13.15
-

2.20
11.80
-

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances

Return on Assets
CRAR
Net NPA ratio

18

Foreign Banks

Bank of Tokyo Mitsubishi UFJ


(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

3
132
1780.52
35.42

3
137
2613.45
60.50

3
95
3107.91
41.57

3
180
3069.80
40.70

3
223
3103.38
45.57

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

642
960
522
1589

1140
1327
589
2307

1208
2076
875
2991

2307
2199
1440
3348

2922
1654
906
5267

80972
240689
165499
195539

509813
5616432
1916053
4298704

127
49
48
42

214
43
77
30

315
63
174
41

256
77
126
51

313
81
67
69

28520
10972
10622
12557

491665
79564
298891
123129

2.49
4.37
24.6

2.91
5.7
14.68

5.26
3.78
8.69

2.98
3.45
11.72

1.73
3.85
24.31

3.11
5.64
23.31

4.73
4.45
17.05

2.11
30.71
-

2.40
26.87
-

1.49
29.51
-

1.31
68.16
-

1.46
58.67
-

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Fund (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

19

Foreign Banks

Barclays Bank
(Amount in

crore)

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

3
265
280.54
36.28

5
2078
942.33
0.50

5
1534
1110.13
1.96

7
1084
1208.05
- 42.26

9
978
1436.73
9.47

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

1393
1010
1342
173

4865
6902
2857
7636

5001
12486
7883
10551

5516
7075
10647
7565

5541
6740
12553
8311

80972
240689
165499
195539

509813
5616432
1916053
4298704

138
217
71
128

624
568
323
692

2037
589
979
892

1659
149
698
780

1680
456
833
760

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.1
20.64
41.75

6.14
4.93
24.8

8.68
8.61
14.15

4.5
8.88
22

4.27
6.98
19.96

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

4.45
13.68
-

0.10
21.11 $
0.42

0.16
17.07
4.59

-3.12
16.99
5.15

0.47
14.89
1.46

1.74
16.72
0.67

1.10
14.17
0.97

Items
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

20

Foreign Banks

BNP Paribas
(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

9
328
1353.00
19.00

9
359
1950.00
36.00

9
347
2035.00
49.00

9
330
2776.00
55.00

9
335
3008.00
56.00

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

745
2098
1120
2342

1214
3236
2690
3772

1656
3353
3562
3710

1834
5020
4027
3738

2019
4646
3806
5451

80972
240689
165499
195539

509813
5616432
1916053
4298704

303
137
172
129

459
256
254
178

637
243
272
193

585
195
143
238

646
249
241
276

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.46
2.51
21.84

5.69
2.56
22.03

4.54
5.57
19.57

2.17
5.41
26.72

3.51
4.48
21.99

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.41
10.76
-

1.97
12.66
-

2.13
12.37
0.86

2.05
15.78
-

2.00
11.92
-

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

21

22

Nationalised Banks

Canara Bank
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

2687
46359
548.76
3.24

2788
45260
609.41
3.65

2841
44090
780.17
4.97

3140
43380
982.58
7.35

3329
43397
1228.18
9.76

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

Capital and Reserves & surplus


Deposits
Investment
Advances

10354
142381
45226
98506

10500
154072
49812
107238

12208
186893
57777
138219

14672
234651
69677
169335

20040
293973
83700
212467

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

Interest income
Other income
Interest expended
Operating expenses

11365
1451
7338
2565

14201
2213
10663
2791

17119
2311
12401
3065

18752
2858
13071
3478

23064
2703
15241
4419

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.35
3.08
16.25

6.77
2.83
12.35

6.62
3.82
12.14

5.61
3.46
13.26

5.29
3.64
15.03

4.93
4.27
16.41

4.73
4.45
17.05

0.98
13.5
0.94

0.92
13.25
0.84

1.06
14.10
1.09

1.30
13.43
1.06

1.42
15.38
1.11

1.03
13.47
0.92

1.10
14.17
0.97

Return on Assets
CRAR
Net NPA ratio

23

C,D

Private Sector Banks

Catholic Syrian Bank


(Amount in

Items
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Fund (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

356
2791
278.00
0.68

375
2723
317.00
1.34

377
2676
374.00
1.39

377
2696
419.00
0.06

376
2820
537.00
0.45

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

229
4749
1553
3013

305
5318
1819
3314

388
6333
2184
3684

390
6978
2289
4467

545
8726
2690
6220

138589
1002759
422020
797534

509813
5616432
1916053
4298704

409
43
252
137

481
60
317
151

557
100
391
187

578
74
455
189

762
75
514
289

96827
20726
57115
27606

491665
79564
298891
123129

5.33
4.87
23.78

6.11
5.11
21.01

6.50
5.26
20.65

6.61
3.63
18.11

6.20
5.05
26.43

4.56
5.11
14.54

4.73
4.45
17.05

0.37
9.58
1.98

0.64
11.21
1.61

0.57
12.29
2.39

0.02
10.82
1.58

0.14
11.22
1.74

1.43
16.46
0.56

1.10
14.17
0.97

24

Nationalised Banks

Central Bank of India


(Amount in

Items
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Fund (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

3321
39055
303.85
1.35

3435
37488
400.99
1.56

3644
32804
560.28
1.71

3704
34826
711.76
3.30

3863
34015
835.17
3.96

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

3790
82776
27742
51795

5943
110320
31455
72997

6412
131272
43061
85483

7692
162107
50563
105383

10873
179356
54504
129725

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

6234
476
3760
1684

7884
902
5772
1746

10455
1070
8227
1862

12064
1735
9519
2222

15221
1265
9895
3999

256490
28625
164135
53819

491665
79564
298891
123129

4.78
3.42
21.59

5.76
2.73
16.15

6.59
3.19
12.61

6.06
3.00
13.15

5.09
4.48
21.33

4.93
4.27
16.41

4.73
4.45
17.05

0.62
10.4
1.70

0.54
9.39
1.45

0.45
13.12
1.24

0.66
12.23
0.69

0.70
11.64
0.65

1.03
13.47
0.92

1.10
14.17
0.97

25

Foreign Banks

Chinatrust Commercial Bank


(Amount in

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

Items

2006-07

2007-08

2008-09

2009-10

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

1
21
1042.00
3.00

1
26
845.00
13.00

1
31
675.00
18.00

1
33
963.00
10.00

1
35
1070.00
13.00

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

43
103
41
116

46
92
41
128

116
61
13
148

119
114
17
203

123
97
32
235

80972
240689
165499
195539

509813
5616432
1916053
4298704

12
1
7
4

14
2
8
5

19
3
6
9

17
4
3
12

21
5
6
11

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.23
3.42
12.99

5.57
3.7
11.00

5.68
6.16
20.13

3.11
6.05
24.79

4.12
4.48
26.66

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.34
22.14
0.27

1.63
22.72
-

2.91
45.40
-

1.33
31.12
1.39

1.39
22.92
1.07

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

26

Foreign Banks

Citibank
(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

40
5194
1360.48
17.33

40
4782
1763.78
37.73

41
4795
1880.10
45.12

43
4613
1979.89
18.32

43
5327
1745.94
28.61

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

6603
37875
16021
32861

9351
46125
18450
38377

11518
51677
24519
39920

13514
54452
28109
36655

14961
56668
30399
40597

80972
240689
165499
195539

509813
5616432
1916053
4298704

4384
1346
1696
1853

5964
2446
2311
2179

6840
3582
2429
2587

6070
1591
2017
2354

6298
1918
2222
2717

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

3.87
6.30
15.83

4.08
7.49
15.75

3.56
9.04
17.56

2.67
7.82
20.02

2.72
6.34
20.47

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

2.79
11.06
1.02

2.24
12.00
1.23

2.12
13.23
2.63

0.96
18.14
2.14

1.37
17.31
1.21

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

27

Private Sector Banks

City Union Bank


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

164
1871
350.12
3.84

183
2170
499.06
4.69

210
2424
565.18
4.98

225
2628
651.00
6.00

249
2836
781.00
8.00

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

366
4699
1307
3329

567
6425
1718
4537

661
8207
2397
5645

826
10285
3210
6833

1007
12914
3616
9255

138589
1002759
422020
797534

509813
5616432
1916053
4298704

400
54
233
90

596
90
396
110

804
124
562
140

957
143
678
166

1218
157
798
216

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.51
4.98
13.75

7.04
5.15
9.69

7.61
5.27
9.26

7.27
4.85
9.49

6.74
5.26
10.01

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.57
12.58
1.09

1.60
12.48 $
0.98

1.50
12.69
1.08

1.52
13.46
0.58

1.67
12.75
0.52

1.43
16.46
0.56

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

28

Foreign Banks

Commonwealth Bank of Australia


(Amount in

Items

2006-07

2007-08

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Fund (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

29

2008-09

2009-10

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11
1
29
98.05
-58.08

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

158
2
7
26

80972
240689
165499
195539

509813
5616432
1916053
4298704

8
2
27

28520
10972
10622
12557

491665
79564
298891
123129

0.10
1.57
38.43

3.11
5.64
23.31

4.73
4.45
17.05

-11.50
143.96
-

1.74
16.72
0.67

1.10
14.17
0.97

Nationalised Banks

Corporation Bank
(Amount in

crore)

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

923
11880
637.00
4.79

1006
12010
839.00
6.52

1077
12465
1049.00
7.64

1124
13143
1268.70
9.52

1276
13861
1572.79
10.92

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

3765
42357
14417
29950

4229
55424
17325
39186

4897
73984
24938
48512

5775
92734
34523
63203

7138
116747
43453
86850

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

3360
636
2052
804

4517
700
3073
892

6067
1107
4376
1047

6988
1493
5084
1260

9135
1324
6196
1642

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.85
3.94
13.25

5.8
3.52
10.79

6.14
3.86
9.46

5.08
3.84
9.96

4.68
3.95
11.42

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.17
12.76
0.47

1.29
12.09 $
0.32

1.24
13.61
0.29

1.28
15.37
0.31

1.21
14.11
0.46

1.03
13.47
0.92

1.10
14.17
0.97

Items
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

30

Foreign Banks

Credit Agricole Bank


(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

6
109
1629.00
82.00

6
131
2249.00
97.00

6
120
2105.00
130.00

6
110
2983.00
71.00

6
109
3614.00
44.00

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

781
775
948
1003

849
1135
1461
1812

910
818
4031
1763

1345
1066
4123
2235

1392
672
3892
3275

80972
240689
165499
195539

509813
5616432
1916053
4298704

168
152
95
79

276
230
143
108

347
255
174
100

330
240
101
80

369
180
175
95

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.41
4.45
27.09

5.31
4.12
27.39

3.92
6.18
21.08

1.60
4.81
23.4

2.92
2.19
19.22

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

4.60
15.10
-

4.20
9.70
-

4.10
13.20
-

1.72
19.50
6.18

0.89
13.98
-

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

31

Foreign Banks

DBS Bank
(Amount in

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

Items

2006-07

2007-08

2008-09

2009-10

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

2
186
1003.02
39.84

2
230
1416.58
28.27

10
359
1662.32
72.16

10
417
2554.5
64.75

12
620
2406.49
20.52

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

1076
3836
1078
1230

1141
5096
4512
2364

1401
6023
7811
2723

1671
6637
10086
4015

1798
7368
10313
7552

80972
240689
165499
195539

509813
5616432
1916053
4298704

381
86
242
74

634
-33
393
88

809
302
494
165

880
155
318
168

1066
96
591
273

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

7.52
1.37
14.52

6.74
2.45
11.52

5.47
3.93
13.89

2.59
5.61
15.13

3.72
2.4
14.5

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.60
29.24
-

0.86
18.15
0.05

2.72
15.70
0.55

2.38
16.96
1.00

0.79
14.98
0.31

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

32

Nationalised Banks

Dena Bank
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

1071
10120
458.00
1.99

1098
9957
559.00
3.61

1125
9883
714.00
4.28

1164
10525
827.00
4.86

1231
9953
1077.00
6.15

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

1496
27690
9235
18303

1801
33943
10283
23024

2170
43051
12473
28878

2602
51344
15694
35462

3656
64210
18769
44828

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

2119
392
1263
612

2676
478
1817
650

3447
430
2383
768

4010
589
2910
848

5034
534
3270
1073

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.62
3.94
20.49

5.52
3.93
15.03

5.77
4.12
14.85

5.67
3.68
13.61

5.26
4.26
15.84

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.71
11.52
1.99

1.06
11.09 $
0.94

1.02
12.07
1.09

1.01
12.77
1.21

1.00
13.41
1.22

1.03
13.47
0.92

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

33

Foreign Banks

Deutsche Bank
(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

8
2250
1143.53
20.98

10
1695
1616.74
27.54

13
1599
1434.10
26.90

13
1498
1841.78
29.80

15
1453
1988.76
43.37

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

1940
6978
6204
4945

4292
13755
10171
8960

4760
14147
8705
8798

4945
14693
9047
12923

5575
14646
8598
14294

80972
240689
165499
195539

509813
5616432
1916053
4298704

972
654
467
744

1445
1018
537
1054

1881
1020
588
1155

1579
817
302
956

1880
980
462
1123

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.00
5.45
31.45

3.25
7.05
30.97

3.21
10.11
24.34

1.60
7.10
40.56

2.36
6.16
34.48

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.23
10.62
0.01

1.56
15.05
0.22

1.75
15.25
0.88

1.73
16.45
0.79

1.95
15.03
0.23

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

34

Private Sector Banks

Development Credit Bank


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

93
1331
391.00
0.40

104
2235
454.00
2.00

110
1942
379.00
-4.00

110
1591
515.00
-5.00

110
2174
506.00
1.00

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

336
4415
1847
2658

636
6075
2135
4069

598
4647
1622
3274

601
4787
2018
3460

621
5610
2295
4271

138589
1002759
422020
797534

509813
5616432
1916053
4298704

347
92
227
171

562
174
388
238

645
120
448
242

459
108
317
201

536
112
347
215

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.76
4.20
17.18

6.90
5.84
15.51

7.43
6.04
15.14

5.87
4.82
16.99

5.68
4.74
18.92

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.71
11.34
1.64

0.48
13.38 $
0.66

-1.25
13.30
3.88

-1.30
14.85
3.11

0.30
13.25
0.97

1.43
16.46
0.56

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

35

Private Sector Banks

Dhanlaxmi Bank
(Amount in

Items
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Fund (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

190
1385
366.68
1.18

190
1411
409.08
2.02

190
1402
585.88
4.10

282
3275
369.61
0.71

289
3665
589.22
0.71

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

147
3088
865
1837

172
3608
1075
2102

424
4969
1567
3196

440
7098
2028
5006

845
12530
3640
9065

138589
1002759
422020
797534

509813
5616432
1916053
4298704

249
28
150
88

312
42
214
97

408
79
287
113

535
91
394
193

906
147
641
344

96827
20726
57115
27606

491665
79564
298891
123129

5.10
5.22
18.40

6.17
4.98
15.28

6.53
4.50
15.65

6.15
4.07
18.59

6.00
3.94
20.44

4.56
5.11
14.54

4.73
4.45
17.05

0.47
9.77
1.75

0.76
9.21 $
0.88

1.21
15.38
0.88

0.35
12.99
0.84

0.23
11.80
0.30

1.43
16.46
0.56

1.10
14.17
0.97

36

Private Sector Banks

Federal Bank
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

553
6029
544.00
4.43

619
6945
655.00
5.43

640
7570
750.00
6.90

700
7896
813.00
6.01

771
8320
923.00
7.26

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

1502
21584
7033
14899

3926
25913
10027
18905

4326
32198
12119
22392

4690
36058
13055
26950

5109
43015
14538
31953

138589
1002759
422020
797534

509813
5616432
1916053
4298704

1801
303
1085
406

2515
395
1647
469

3315
516
2000
571

3673
531
2262
677

4052
517
2305
836

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.11
4.51
17.47

6.32
4.49
12.82

6.32
6.10
12.35

6.11
5.44
12.45

5.26
5.49
15.29

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.38
13.43
0.44

1.34
22.46 $
0.23

1.48
20.22
0.30

1.15
18.36
0.48

1.34
16.79
0.60

1.43
16.46
0.56

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

37

E,F

Foreign Banks

FirstRand Bank
(Amount in

Items

2006-07

2007-08

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Fund (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

38

2008-09

2009-10

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

1
35
71.61
-106.64

1
45
365.55
-19.66

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

177
5
209
20

409
25
494
141

80972
240689
165499
195539

509813
5616432
1916053
4298704

6
12
1
54

35
23
15
52

28520
10972
10622
12557

491665
79564
298891
123129

0.46
3.10
72.07

5.79
-1.63
54.17

3.11
5.64
23.31

4.73
4.45
17.05

-21.45
74.73
-

-1.37
94.81
-

1.74
16.72
0.67

1.10
14.17
0.97

Private Sector Banks

HDFC Bank
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

666
21477
607.00
6.13

745
37386
506.00
4.97

1422
52687
446.00
4.18

1729
51888
590.00
5.98

1963
55752
653.00
7.37

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

6433
68298
30565
46945

11497
100769
49394
63427

14652
142812
58818
98883

21522
167404
58608
125831

25379
208586
70929
159983

138589
1002759
422020
797534

509813
5616432
1916053
4298704

6648
1516
3179
2421

10115
2283
4887
3746

16332
3291
8911
5533

16173
3983
7786
5940

19928
4335
9385
7153

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.58
5.99
13.87

5.24
7.38
15.07

6.92
8.04
15.50

4.66
6.11
16.68

4.64
5.91
17.15

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.33
13.08
0.43

1.32
13.60 $
0.47

1.28
15.69
0.63

1.53
17.44
0.31

1.58
16.22
0.19

1.43
16.46
0.56

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

39

G,H

Foreign Banks

Hongkong & Shanghai Banking Corporation


(Amount in

crore)

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

47
6564
979.68
14.32

47
7753
1012.34
16.69

47
7446
961.81
16.06

50
6685
1135.52
11.73

50
6373
1221.70
23.2

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

6159
34825
14131
23142

8459
42620
19290
29944

11214
49970
31154
27589

12135
55748
41289
23475

13687
54107
37279
27401

80972
240689
165499
195539

509813
5616432
1916053
4298704

3508
1212
1213
1584

4979
2117
2016
2145

6327
2699
2661
2195

5166
2135
1915
1950

5195
1789
1859
2191

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

3.49
7.11
22.05

4.39
7.87
21.41

4.82
8.81
18.01

3.17
7.19
21.28

3.06
6.41
21.59

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.82
11.06
0.43

1.82
10.59 $
0.58

1.51
15.31
1.42

0.88
18.03
2.31

1.68
18.03
0.91

1.74
16.72
0.67

1.10
14.17
0.97

Items
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

40

Private Sector Banks

ICICI Bank
(Amount in

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

Items

2006-07

2007-08

2008-09

2009-10

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

716
33321
1027.00
9.00

1271
40686
1008.00
10.00

1432
34596
1154.00
11.00

1719
35256
765.00
9.00

2564
56969
735.00
10.00

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

24663
230510
91258
195866

46820
244431
111454
225616

49533
218348
103058
218311

51618
202017
120893
181206

55091
225602
134686
216366

138589
1002759
422020
797534

509813
5616432
1916053
4298704

21996
6928
16358
6691

30788
8811
23484
8154

31093
7604
22726
7045

25707
7478
17593
5860

25974
6648
16957
6617

96827
20726
57115
27606

491665
79564
298891
123129

5.34
4.08
7.01

6.40
4.33
6.57

5.72
4.33
6.62

4.18
4.51
8.21

3.59
4.68
11.95

4.56
5.11
14.54

4.73
4.45
17.05

1.09
11.69
1.02

1.12
13.96
1.55

0.98
15.53
2.09

1.13
19.41
2.12

1.35
19.54
1.11

1.43
16.46
0.56

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Fund (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

41

I,J

Nationalised Banks

IDBI Bank Ltd.


(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

442
7482
1387.16
8.44

509
8253
1809.17
8.86

520
10201
2030.33
8.42

718
12220
2417.42
8.44

820
13602
2346.41
11.93

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

8300
43354
25675
62471

8822
72998
32803
82213

9424
112401
50048
103444

10165
167667
73345
138202

14568
180486
68269
157098

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

Interest income
Other income
Interest expended
Operating expenses

6345
1027
5687
778

8041
1582
7364
959

11545
1476
10306
1338

15261
2302
13005
1831

18601
2084
14272
2255

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

2.68
6.42
4.38

3.97
5.06
4.59

5.14
4.62
4.89

5.19
3.73
5.10

4.90
4.41
6.21

4.93
4.27
16.41

4.73
4.45
17.05

0.67
13.73
1.12

0.67
11.95 $
1.30

0.62
11.57
0.92

0.53
11.31
1.02

0.73
13.64
1.06

1.03
13.47
0.92

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances

Return on Assets
CRAR
Net NPA ratio

42

Nationalised Banks

Indian Bank
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

1478
20892
364.00
3.64

1577
20548
488.00
4.91

1680
19993
617.00
6.23

1792
19641
761.00
7.92

1894
19311
930.00
8.88

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

3841
47091
20878
29058

5160
61046
21915
39839

7136
72582
22801
51397

8272
88228
28268
62146

9521
105804
34784
75250

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

4195
823
2413
1247

5213
1006
3159
1400

6830
1035
4222
1588

7714
1316
4553
1730

9361
1182
5325
1926

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.97
4.93
24.01

5.46
4.71
21.22

6.13
5.02
19.84

5.56
4.66
19.30

5.39
4.94
18.38

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.46
14.14
0.35

1.64
12.74 $
0.24

1.62
13.98
0.18

1.67
12.71
0.23

1.53
13.56
0.53

1.03
13.47
0.92

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

43

Nationalised Banks

Indian Overseas Bank


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

1777
23861
467.23
4.04

1961
24947
582.70
4.82

2009
25512
689.50
5.20

2096
26732
712.00
2.63

2233
25626
1005.00
4.16

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

3990
68740
23974
47060

4866
84326
28475
60402

7151
100116
31215
74885

7525
110795
37651
78999

9325
145229
48610
111833

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

5832
387
3271
1388

7739
1037
5289
1485

9641
1596
6772
1942

10246
1143
7078
2466

12101
1225
7893
2572

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.93
4.60
19.98

6.20
4.07
14.02

6.42
4.36
14.60

6.14
3.81
18.18

5.55
3.72
16.64

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.36
13.27
0.55

1.30
11.93 $
0.60

1.17
13.20
1.33

0.53
14.78
2.52

0.71
14.55
1.19

1.03
13.47
0.92

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

44

Private Sector Banks

IndusInd Bank
(Amount in

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

Items

2006-07

2007-08

2008-09

2009-10

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

185
2613
1039.77
2.61

195
2869
1062.67
2.62

195
4251
836.00
3.49

231
5383
837.46
6.51

319
7008
843.98
8.24

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

1057
17645
5892
11084

1350
19037
6630
12795

1664
22110
8083
15771

2397
26710
10402
20551

4050
34365
13551
26166

138589
1002759
422020
797534

509813
5616432
1916053
4298704

Interest income
Other income
Interest expended
Operating expenses

1500
244
1229
344

1881
298
1580
402

2309
456
1850
547

2707
553
1821
736

3589
714
2213
1008

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

6.77
3.47
6.12

7.59
4.34
6.15

7.53
5.03
7.81

5.69
5.95
11.37

5.35
6.79
11.88

4.56
5.11
14.54

4.73
4.45
17.05

0.34
12.54
2.47

0.34
11.91 $
2.27

0.58
12.55
1.14

1.14
15.33
0.50

1.46
15.89
0.28

1.43
16.46
0.56

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances

Return on Assets
CRAR
Net NPA ratio

45

Private Sector Banks

ING Vysya Bank


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

413
5162
486.09
1.66

421
5709
547.28
2.68

470
6086
606.39
3.03

493
6113
623.78
3.88

523
6909
674.79
4.53

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

1103
15419
4528
11976

1536
20458
6293
14650

1703
24889
10496
16756

2331
25865
10473
18507

2624
30194
11021
23602

138589
1002759
422020
797534

509813
5616432
1916053
4298704

1268
286
822
505

1680
419
1182
609

2240
548
1590
772

2233
620
1403
808

2694
655
1688
1026

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.82
3.83
17.12

5.69
4.05
16.88

5.84
5.29
16.60

4.10
5.59
19.40

4.40
5.26
22.32

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.52
10.56
0.70

0.74
10.20 $
0.70

0.70
11.65
1.20

0.80
14.91
1.20

0.89
12.94
0.39

1.43
16.46
0.56

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

46

Foreign Banks

JP Morgan Chase Bank


(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

1
155
1121.88
82.15

1
160
1614.67
153.77

1
175
1825.28
253.63

1
182
2135.81
6.06

1
221
2217.69
219.41

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

1211
1667
4367
799

2068
3313
6143
1059

2512
3587
6694
703

2977
5931
9162
1012

3927
6384
9940
3463

80972
240689
165499
195539

509813
5616432
1916053
4298704

279
172
127
71

451
384
204
128

513
721
231
138

438
-101
180
163

740
542
247
204

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

1.97
3.85
19.95

2.52
8.64
23.51

2.69
5.67
21.22

2.04
1.29
28.60

2.40
2.31
28.56

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.71
16.14
2.17

3.07
17.72 $
2.12

4.21
15.90
1.27

0.09
23.63
2.88

3.56
22.99
-

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

47

Private Sector Banks

Jammu & Kashmir Bank


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

461
6847
585.00
4.00

499
7558
596.00
5.00

510
7627
500.00
5.00

510
7790
731.00
7.00

510
7938
856.00
8.00

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

2009
25194
7392
17080

2281
28593
8758
18883

2623
33004
10736
20930

3010
37237
13956
23057

3479
44676
19696
26194

138589
1002759
422020
797534

509813
5616432
1916053
4298704

1899
160
1131
372

2434
245
1624
404

2972
261
1988
471

3057
416
1938
577

3713
365
2169
759

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.56
4.01
14.63

5.89
4.55
11.14

6.28
5.25
11.34

5.32
5.33
14.57

5.03
5.65
17.88

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.96
13.24
1.13

1.09
12.80 $
1.07

1.09
14.48
1.38

1.20
15.89
0.28

1.22
13.72
0.20

1.43
16.46
0.56

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

48

Foreign Banks

JSC VTB Bank


(Amount in

Items

2006-07

2007-08

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Fund (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

49

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2008-09

2009-10

1
17
73.26
-

1
16
114
-

1
16
381.54
-

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

111
2
10

111
9
2
10

111
7
1
54

80972
240689
165499
195539

509813
5616432
1916053
4298704

7
7

5
8

7
9

28520
10972
10622
12557

491665
79564
298891
123129

8.57
33.38

13.54
35.46

0.23
6.11
37.90

3.11
5.64
23.31

4.73
4.45
17.05

-0.26
317.51
-

-1.16
225.93
-

-1.03
123.59
-

1.74
16.72
0.67

1.10
14.17
0.97

50

Private Sector Banks

Karnataka Bank
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

428
4456
524.00
4.00

453
4677
589.00
5.00

469
4947
649.00
5.00

486
5244
727.00
3.00

501
5795
771.00
4.00

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

1239
14037
5048
9553

1380
17016
6327
10842

1567
20333
8961
11810

1833
23731
9992
14436

2429
27336
11506
17348

138589
1002759
422020
797534

509813
5616432
1916053
4298704

1256
174
836
238

1560
237
1102
306

1949
322
1444
347

1976
379
1708
386

2371
292
1758
549

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.94
3.45
12.02

6.86
4.15
12.86

7.56
4.72
10.64

7.45
3.14
9.88

6.40
4.35
14.96

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.15
11.03
1.22

1.37
12.17 $
0.98

1.25
13.48
0.98

0.67
12.37
1.31

0.72
13.33
1.62

1.43
16.46
0.56

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

51

K,L

Private Sector Banks

Karur Vysya Bank


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

293
3286
489.00
4.87

319
3580
604.00
5.82

344
3941
638.00
5.98

369
4175
789.00
8.05

399
4574
935.00
9.09

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

1063
9340
2874
7040

1190
12550
3526
9422

1350
15101
4716
10410

1620
19272
6602
13447

2137
24722
7732
17814

138589
1002759
422020
797534

509813
5616432
1916053
4298704

867
119
520
192

1106
183
765
216

1446
265
1036
258

1758
247
1193
349

2218
264
1451
431

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.96
3.90
13.01

6.79
3.64
10.37

7.36
4.14
9.50

6.79
4.42
10.59

6.31
4.45
12.20

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.53
14.51
0.23

1.63
12.58 $
0.18

1.49
14.92
0.25

1.76
14.49
0.23

1.71
14.41
0.07

1.43
16.46
0.56

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

52

Private Sector Banks

Kotak Mahindra Bank


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

110
5437
383.91
3.13

182
9058
384.00
4.00

225
8227
347.00
3.00

257
8804
487.00
7.00

329
11337
535.00
8.00

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

1662
11000
6862
10924

3594
16424
9142
15552

3906
15644
9110
16625

4540
23886
12513
20775

6833
29261
17121
29329

138589
1002759
422020
797534

509813
5616432
1916053
4298704

1319
319
699
613

2535
463
1310
1019

3065
274
1547
1196

3256
628
1397
1189

4304
633
2058
1553

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.11
6.51
22.33

6.14
7.48
22.29

6.00
9.50
21.28

4.50
9.01
22.56

5.10
8.18
21.70

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.94
13.46
1.98

1.10
18.65 $
1.78

1.03
20.01
2.39

1.72
18.35
1.73

1.77
19.92
0.72

1.43
16.46
0.56

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

53

Foreign Banks

Krung Thai Bank


(Amount in

Items
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Fund (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

crore)

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

1
10
539.16
13.04

1
10
812.81
18.04

1
10
1021.69
16.87

1
10
1015.45
7.08

1
10
1173.43
23.60

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

44
49
22
10

45
81
22
9

45
103
28
9

44
107
31
5

46
116
32
13

80972
240689
165499
195539

509813
5616432
1916053
4298704

6
1
3

8
1
2
3

10
1
5
3

8
1
4
4

10
2
3
4

28520
10972
10622
12557

491665
79564
298891
123129

2.62
6.63
17.78

3.69
5.41
11.07

4.95
3.47
8.15

3.48
3.83
9.36

2.58
4.27
11.78

3.11
5.64
23.31

4.73
4.45
17.05

1.72
121.73
-

1.99
109.03
-

1.36
81.86
-

0.52
61.02
-

1.67
71.18
-

1.74
16.72
0.67

1.10
14.17
0.97

54

Private Sector Banks

Lakshmi Vilas Bank


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

250
1926
430.00
0.91

253
2078
453.00
1.22

265
2433
510.00
2.07

280
2655
560.00
1.13

284
2626
719.00
3.85

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

396
5020
1309
3613

418
5618
1694
3859

454
7361
1863
5236

739
9075
2983
6277

892
11150
3519
8094

138589
1002759
422020
797534

509813
5616432
1916053
4298704

418
57
299
102

506
82
382
116

658
107
504
152

909
104
660
186

1065
137
700
228

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

6.09
3.41
14.00

6.85
3.30
12.65

7.56
3.83
11.96

7.81
4.70
10.92

6.58
5.03
12.53

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.33
12.43
1.58

0.41
12.73 $
1.55

0.71
10.29
1.24

0.33
14.82
4.11

0.91
13.19
0.90

1.43
16.46
0.56

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

55

56

Foreign Banks

Mashreq Bank
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

2
16
440.07
64.70

2
15
225.63
53.61

2
16
310.03
34.12

2
16
191.16
26.69

2
13
524.70
60.20

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

73
35
28
33

82
31
26
41

87
21
53
10

92
42
34
56

100
60
36
41

80972
240689
165499
195539

509813
5616432
1916053
4298704

8
8
1
6

8
10
6

5
10
6

5
13
8

5
15
7

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

1.11
6.14
35.68

0.66
3.20
42.24

0.59
4.75
41.18

0.33
3.46
36.15

0.27
3.99
49.32

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

8.19
97.06
-

8.82
52.81
-

4.43
76.80
-

3.35
78.21
-

5.03
59.07
-

1.74
16.72
0.67

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

57

M,N

Foreign Banks

Mizuho Corporate Bank


(Amount in

crore)

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2
83
918.86
14.60

2
95
1589.56
25.03

2
113
2023.79
38.14

2
126
1940.86
17.56

2
153
2082.86
47.73

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

381
121
160
641

401
447
247
857

744
1148
404
1119

765
1188
447
1083

3238
671
396
2516

80972
240689
165499
195539

509813
5616432
1916053
4298704

44
13
15
17

75
20
34
26

129
38
58
36

98
37
51
46

154
67
38
54

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.32
3.40
21.19

4.71
3.37
16.35

4.86
5.96
15.83

3.69
3.52
18.74

3.71
3.40
25.63

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.30
34.40
-

1.96
29.68
-

2.43
37.58
-

0.89
38.98
-

2.37
87.25
-

1.74
16.72
0.67

1.10
14.17
0.97

Items
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

58

Private Sector Banks

Nainital Bank
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

82
662
279.00
3.00

89
667
366.00
4.00

94
650
425.00
6.00

103
692
521.00
6.00

103
725
585.00
6.00

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

125
1481
388
795

146
1790
483
995

175
2137
561
1131

240
2507
707
1288

323
2825
791
1678

138589
1002759
422020
797534

509813
5616432
1916053
4298704

123
5
55
34

169
8
93
32

209
10
116
39

224
16
131
45

257
11
141
56

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.21
6.04
26.27

5.62
5.99
16.32

5.79
6.84
16.70

5.55
5.40
15.77

5.25
5.63
17.77

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.26
12.89
-

1.51
12.32 $
-

1.68
13.10
-

1.72
15.68
-

1.56
16.35
-

1.43
16.46
0.56

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

59

60

Foreign Banks

Oman International Bank


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

2
37
528.62
-6.14

2
36
484.99
19.91

2
39
480.49
7.50

2
37
522.45
24.47

2
36
447.73
28.78

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

164
194
104
2

166
177
93
1

168
187
94
2

170
172
94
2

172
166
93
2

80972
240689
165499
195539

509813
5616432
1916053
4298704

16
1
13
6

15
1
12
6

15
3
9
6

14
11
8
7

15
13
8
7

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.61
29.05
9.13

5.60
5.73
9.31

4.32
-0.25
11.32

4.04
0.21
12.59

3.95
0.24
14.58

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

-0.90
10.99
-

3.15
23.09
-

1.22
25.17
-

3.52
41.08
-

4.47
45.64
-

1.74
16.72
0.67

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

61

O,P

Nationalised Banks

Oriental Bank of Commerce


(Amount in

crore)

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

1341
14730
742.64
5.61

1392
14804
924.38
5.84

1472
14656
1142.43
6.18

1579
15358
1331.17
7.39

1676
16618
1419.50
9.04

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

5600
63996
19808
44138

5776
77857
23951
54566

7403
98369
28489
68500

8238
120258
35785
83489

11097
139054
42075
95908

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

5165
603
3474
998

6827
628
5156
1080

8856
1071
6860
1398

10257
1200
7350
1686

12088
960
7910
1892

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.74
2.75
11.65

6.83
2.97
8.81

7.27
3.32
9.34

6.21
3.75
10.75

5.56
4.43
10.70

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.21
12.51
0.49

1.02
12.12 $
0.99

0.88
12.98
0.65

0.91
12.54
0.87

1.03
14.23
0.98

1.03
13.47
0.92

1.10
14.17
0.97

Items
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

62

Nationalised Banks

Punjab & Sind Bank


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

860
9324
328.59
2.34

883
9013
466.87
4.24

927
8700
656.00
5.00

932
8259
963.00
6.00

974
8107
1190.00
6.00

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

1406
19319
6693
11738

2093
24831
8474
18343

2140
34676
12627
24615

2616
49155
17887
32639

3803
59723
18644
42638

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

1727
228
960
523

2219
318
1433
561

3247
408
2235
698

3934
412
2750
718

4933
437
3372
984

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.09
4.77
25.43

5.90
4.27
21.09

6.54
5.04
17.91

5.75
3.87
15.27

5.57
4.01
17.35

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.01
12.88
0.66

1.49
11.57 $
0.37

1.24
14.35
0.32

1.05
13.10
0.36

0.90
12.94
0.56

1.03
13.47
0.92

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

63

Nationalised Banks

Punjab National Bank


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

4192
57316
407.41
2.68

4319
56025
504.52
3.66

4472
54780
654.92
5.64

4978
57103
807.95
7.31

4997
56963
1017.80
8.35

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

Capital and Reserves & surplus


Deposits
Investment
Advances

10435
139860
45190
96597

12318
166457
53992
119502

14654
209760
63385
154703

17723
249330
77724
186601

21509
312899
95162
242107

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

Interest income
Other income
Interest expended
Operating expenses

11236
1730
6023
3326

14265
1998
8731
3525

19127
3065
12295
4206

21422
3610
12944
4762

26986
3613
15179
6364

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.24
4.69
25.16

5.31
4.35
20.08

5.93
4.71
17.72

4.90
4.87
17.63

4.58
5.26
20.71

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.03
12.29
0.76

1.15
13.46
0.64

1.39
14.03
0.17

1.44
14.16
0.53

1.34
12.42
0.85

1.03
13.47
0.92

1.10
14.17
0.97

64

Private Sector Banks

Ratnakar Bank
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

80
553
254.41
0.54

81
544
310.00
3.00

87
566
373.00
5.00

90
707
391.00
3.00

102
907
435.00
1.00

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

199
876
316
531

323
1101
361
586

341
1307
404
801

353
1585
507
1170

1085
2042
892
1905

138589
1002759
422020
797534

509813
5616432
1916053
4298704

76
5
42
32

107
9
52
30

138
16
74
33

144
13
85
39

189
19
94
94

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.81
5.84
29.60

5.26
5.49
20.85

6.14
5.02
19.04

5.86
3.86
18.47

5.16
3.56
38.34

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.31
34.34
1.92

1.31
49.15 $
0.99

1.96
42.30
0.68

1.05
34.07
0.97

0.53
56.41
0.36

1.43
16.46
0.56

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

65

Q,R

Foreign Banks

Royal Bank of Scotland


(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

28
3550
1011.88
11.36

28
3871
1070.26
7.66

30
3241
1029.41
0.62

31
2716
1158.97
-4.06

31
2165
1113.24
8.26

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

1974
15998
6407
18388

2366
18912
11777
20381

2386
15960
10811
16660

2281
16601
7265
13406

2462
13947
8902
10551

80972
240689
165499
195539

509813
5616432
1916053
4298704

2185
862
1038
970

3038
644
1460
1307

3120
1225
1437
1497

2126
749
714
996

1813
786
735
1000

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

3.81
6.30
16.65

3.96
7.30
19.92

4.19
8.28
25.61

2.94
7.38
24.37

3.48
4.86
21.90

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.37
11.34
0.12

0.78
12.92
0.85

0.06
12.66
2.20

-0.40
12.5
1.95

0.76
11.65
1.65

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

66

Private Sector Banks

SBI Comm. & Intl. Bank


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

3
90
648.34
7.79

3
93
754.67
13.82

3
84
960.48
13.17

3
71
1055.38
4.43

3
72
955.05
5.85

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

102
488
126
329

115
522
144
358

126
588
296
311

129
492
319
205

133
513
286
270

138589
1002759
422020
797534

509813
5616432
1916053
4298704

34
4
23
9

44
14
36
9

54
3
36
10

40
6
33
10

36
5
26
10

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.70
2.21
14.38

6.68
1.48
8.73

6.47
4.53
9.10

6.07
4.01
10.97

5.19
3.37
12.62

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.13
20.93
0.19

1.93
23.48
-

1.52
21.24
-

0.49
27.31
-

0.63
28.16
-

1.43
16.46
0.56

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

S,T

67

Foreign Banks

Shinhan Bank
(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

2
34
1433.00
25.00

2
38
1709.81
34.59

2
53
2445.00
38.58

2
53
2210.54
45.77

3
76
1855.76
33.43

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

217
208
82
136

230
336
118
314

249
766
203
458

274
692
196
480

485
792
228
619

80972
240689
165499
195539

509813
5616432
1916053
4298704

25
3
6
9

48
6
15
13

64
8
26
13

69
13
22
13

89
13
30
18

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

1.70
5.42
18.42

4.15
3.19
12.74

4.25
6.95
13.74

2.93
6.61
13.54

3.74
4.61
15.52

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.60
89.26
-

1.86
48.66
-

1.86
36.80
-

2.28
40.85
-

1.82
50.73
-

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

68

Foreign Banks

Societe Generale
(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

2
114
1316.00
19.20

2
118
1459.10
33.90

2
115
1017.00
33.83

2
109
1098.54
3.85

2
86
1868.37
24.67

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

348
1128
1457
385

372
1363
2516
385

381
825
1540
366

363
836
1788
415

384
888
2077
700

80972
240689
165499
195539

509813
5616432
1916053
4298704

169
40
117
49

221
42
165
61

153
69
80
66

109
9
44
62

182
37
112
56

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.97
2.75
17.44

4.38
5.81
14.69

3.14
9.54
22.01

2.16
5.42
31.49

2.75
4.76
15.78

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.96
31.82
-

1.33
20.77
-

2.07
22.47
-

0.31
22.77
-

0.80
16.23
-

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

69

Foreign Banks

Sonali Bank
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

2
39
71.45
1.38

2
41
74.02
1.38

2
34
138.45
1.29

2
35
89.14
1.58

2
44
83.85
0.39

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

5
28
5
3

5
23
5
8

6
42
5
10

6
32
5
8

7
28
5
9

80972
240689
165499
195539

509813
5616432
1916053
4298704

1
4
1
3

1
4
1
3

1
5
1
3

1
5
1
4

1
4
1
4

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

1.72
9.63
47.48

1.41
8.06
48.11

1.22
6.23
50.14

1.34
5.68
54.74

1.67
6.07
56.36

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.52
71.42
0.67

1.60
41.25 $
-

1.98
20.31
2.55

1.64
20.03
3.39

0.43
21.60
2.46

1.74
16.72
0.67

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

70

Private Sector Banks

South Indian Bank


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

484
3868
508.00
2.69

510
4223
600.43
3.59

541
4523
645.00
4.00

591
4860
771.00
5.00

652
5357
918.00
5.00

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

724
12239
3430
7919

1161
15156
4572
10454

1304
18092
6075
11848

1485
23012
7156
15823

1847
29721
8924
20489

138589
1002759
422020
797534

509813
5616432
1916053
4298704

977
103
609
219

1291
143
915
248

1687
164
1164
328

1936
208
1367
366

2446
197
1655
463

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.43
4.29
16.09

6.57
3.89
12.58

6.83
4.56
14.35

6.42
4.56
13.06

6.11
4.52
13.69

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.88
11.08
0.98

1.01
13.80 $
0.33

1.09
14.76
1.13

1.07
15.39
0.39

1.05
14.01
0.29

1.43
16.46
0.56

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

71

Foreign Banks

Standard Chartered Bank


(Amount in

crore)

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

82
6658
924.20
19.62

91
8967
817.35
20.22

91
7825
971.43
23.82

95
8084
1083.45
26.31

95
7813
1345.62
26.36

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

5801
34175
11902
30104

8370
37004
12787
33352

10277
41802
15552
37489

11606
48192
18477
41552

13062
58419
23088
49201

80972
240689
165499
195539

509813
5616432
1916053
4298704

4046
1347
1652
1404

4878
2322
2130
2051

5649
3097
2490
2500

5675
2838
1784
2419

6352
2471
2351
2597

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.17
5.41
19.32

4.92
5.98
18.98

4.89
7.41
21.09

3.04
7.53
24.38

3.49
6.26
25.48

3.11
5.64
23.31

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

3.06
10.44
1.43

3.13
10.59
1.04

2.87
11.56
1.37

3.03
12.41
1.40

2.44
11.88
0.27

1.74
16.72
0.67

1.10
14.17
0.97

Items
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

72

SBI & its Associates

State Bank of Bikaner & Jaipur


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

887
11752
355.89
2.57

909
11421
445.45
2.73

928
11439
555.39
3.55

953
11629
628.00
4.00

997
11444
751.00
5.00

18772
282453
793.06
4.20

76696
1004182
987.38
7.00

1654
28480
8735
20526

1713
34108
10498
25076

2046
39224
10999
29851

2417
46059
13601
35176

2851
53852
13521
41207

84394
1245862
385697
994154

509813
5616432
1916053
4298704

2374
493
1435
753

3052
472
2113
750

3810
577
2707
787

3977
583
2766
890

4796
640
3027
1269

109828
19240
67018
29146

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.20
4.20
21.79

6.17
3.96
15.61

6.66
4.22
13.19

5.77
3.81
13.73

5.44
4.44
19.25

4.80
4.05
19.21

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.00
12.89
1.09

0.87
12.51
0.83

0.92
14.52
0.85

0.93
13.30
0.78

0.96
11.68
0.83

0.79
12.25
1.49

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

73

SBI & its Associates

State Bank of Hyderabad


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

990
12880
473.64
3.92

1028
12813
599.08
4.35

1062
12577
839.82
4.87

1169
13597
755.62
5.58

1220
13519
1037.68
7.89

18772
282453
793.06
4.20

76696
1004182
987.38
7.00

2541
41503
13919
28109

2694
50108
16027
35849

3208
62449
20982
43679

4264
72971
24009
52825

5315
88628
28447
64720

84394
1245862
385697
994154

509813
5616432
1916053
4298704

3362
584
2135
809

4403
677
3290
799

5709
769
4243
933

6334
841
4471
984

7851
984
5003
1513

109828
19240
67018
29146

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.37
3.67
16.71

6.86
2.98
11.47

6.75
3.82
10.67

5.76
3.97
11.05

5.43
4.58
15.95

4.80
4.05
19.21

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.14
12.51
0.22

1.00
11.97
0.16

0.91
11.53
0.38

1.03
14.90
0.55

1.22
14.25
0.87

0.79
12.25
1.49

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

74

SBI & its Associates

State Bank of India


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

9679
185388
357.00
2.37

10683
179205
456.00
3.73

12034
205896
556.00
4.74

13094
200299
636.00
4.46

13929
222933
704.65
3.85

18772
282453
793.06
4.20

76696
1004182
987.38
7.00

Capital and Reserves & surplus


Deposits
Investment
Advances

31299
435521
149149
337336

49033
537404
189501
416768

57948
742073
275954
542503

65949
804116
295785
631914

64986
933933
295601
756719

84394
1245862
385697
994154

509813
5616432
1916053
4298704

Interest income
Other income
Interest expended
Operating expenses

37242
6765
22184
11824

48950
8695
31929
12609

63788
12691
42915
15649

70994
14968
47322
20319

81394
15825
48868
23015

109828
19240
67018
29146

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.55
3.74
23.33

5.64
3.70
17.48

5.72
3.95
16.64

5.14
3.48
18.86

4.67
3.97
20.14

4.80
4.05
19.21

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.84
12.34
1.56

1.01
13.54 $
1.78

1.04
14.25
1.79

0.88
13.39
1.72

0.71
11.98
1.63

0.79
12.25
1.49

1.10
14.17
0.97

75

Foreign Banks

State Bank of Mauritius


(Amount in

crore)

Items

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

3
28
1236.00
28.00

3
32
1491.00
17.00

3
29
2357.00
20.00

3
28
2613.00
-14.00

3
39
2811.00
19.00

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

154
212
126
134

159
248
90
214

164
372
133
303

162
348
122
410

319
499
417
597

80972
240689
165499
195539

509813
5616432
1916053
4298704

36
6
25
6

37
6
26
6

45
3
31
6

44
5
36
7

58
5
36
10

28520
10972
10622
12557

491665
79564
298891
123129

7.63
2.86
6.07

8.21
2.94
6.01

8.37
2.86
5.01

8.01
0.79
5.50

5.40
2.75
12.30

3.11
5.64
23.31

4.73
4.45
17.05

1.53
38.99
-

1.12
41.66
-

0.90
38.01
-

-0.66
34.40
4.32

0.93
45.66
2.18

1.74
16.72
0.67

1.10
14.17
0.97

Capital and Reserves & surplus


Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Fund (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

76

SBI & its Associates

State Bank of Mysore


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

661
9666
398.00
2.60

687
9720
495.00
3.28

719
9671
602.00
3.48

735
10111
672.00
4.41

746
9926
795.00
5.00

18772
282453
793.06
4.20

76696
1004182
987.38
7.00

1141
22022
6990
16466

1378
27462
8403
21027

2271
32916
11378
25616

2665
38880
11494
29536

3683
43225
12927
34030

84394
1245862
385697
994154

509813
5616432
1916053
4298704

1776
350
1093
562

2494
422
1732
617

3247
480
2409
665

3559
426
2322
725

4079
455
2443
917

109828
19240
67018
29146

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.01
3.99
19.19

6.09
4.07
14.37

6.39
4.45
12.51

5.65
4.35
13.73

5.29
4.78
16.32

4.80
4.05
19.21

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.10
11.47
0.45

1.08
11.73
0.43

0.91
12.99
0.50

1.06
12.42
1.02

1.03
13.76
1.38

0.79
12.25
1.49

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

77

SBI & its Associates

State Bank of Patiala


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

792
11329
599.54
3.24

840
11175
759.82
3.70

889
11365
910.24
4.68

937
12409
895.21
4.45

1057
12559
956.30
5.20

18772
282453
793.06
4.20

76696
1004182
987.38
7.00

2488
39184
12358
28770

2709
48571
14375
36400

3134
60006
17029
43587

3747
64552
18165
46347

4095
68066
17275
51433

84394
1245862
385697
994154

509813
5616432
1916053
4298704

3065
443
2060
659

4310
596
3420
707

5804
632
4676
794

5975
674
4441
901

6478
756
4145
1330

109828
19240
67018
29146

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.13
3.59
14.72

6.88
3.31
9.32

7.65
3.61
8.12

6.36
3.89
9.37

5.45
4.87
16.09

4.80
4.05
19.21

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.77
12.38
0.83

0.83
13.56
0.60

0.83
12.60
0.60

0.79
13.26
1.04

0.88
13.41
1.21

0.79
12.25
1.49

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

78

SBI & its Associates

State Bank of Travancore


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

719
11019
506.13
2.96

727
11423
558.65
3.40

755
11365
658.00
5.00

780
12192
696.00
6.00

823
12072
888.00
8.00

18772
282453
793.06
4.20

76696
1004182
987.38
7.00

1599
30984
9718
24630

1718
35354
11353
28137

2250
42041
13232
32601

2841
50883
15844
38461

3464
58158
17927
46044

84394
1245862
385697
994154

509813
5616432
1916053
4298704

Interest income
Other income
Interest expended
Operating expenses

2691
364
1698
645

3434
439
2477
687

4123
573
2841
799

4378
528
2978
956

5229
581
3533
1101

109828
19240
67018
29146

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.96
3.70
17.5

6.11
3.73
13.14

6.08
4.37
13.40

5.58
3.88
15.64

5.57
3.96
15.11

4.80
4.05
19.21

4.73
4.45
17.05

0.86
11.68
1.08

0.89
13.53
0.94

1.30
14.03
0.58

1.26
13.74
0.91

1.12
12.54
0.98

0.79
12.25
1.49

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances

Return on Assets
CRAR
Net NPA ratio

79

Nationalised Banks

Syndicate Bank
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

2231
24360
489.17
2.76

2282
24656
586.02
3.18

2343
25068
750.65
3.64

2429
25569
746.84
3.18

2557
26288
875.44
3.99

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

3627
78634
25234
51670

4291
95171
28076
64051

5010
115885
30537
81532

5627
117026
33011
90406

7051
135596
35068
106782

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

6040
618
3890
1386

7906
890
5834
1495

9525
915
6978
1791

10047
1167
7307
2034

11451
915
7068
2548

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.44
4.05
16.95

6.29
3.58
12.68

6.08
4.06
12.77

5.42
3.53
14.32

4.60
4.73
18.44

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.91
11.74
0.76

0.88
11.82
0.97

0.81
12.68
0.77

0.62
12.70
1.07

0.76
13.04
0.97

1.03
13.47
0.92

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

80

Private Sector Banks

Tamilnad Mercantile Bank


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

194
2227
451.23
4.76

217
2386
541.99
5.31

230
2337
679.25
6.43

233
2267
870.16
8.14

249
2531
959.18
9.91

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

759
6020
2316
4047

858
7670
2554
5331

989
9566
3207
6572

1148
11639
3499
8288

1366
13793
3767
10759

138589
1002759
422020
797534

509813
5616432
1916053
4298704

638
83
342
147

761
131
499
169

977
136
643
204

1118
173
744
231

1371
188
827
298

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.85
4.94
18.17

6.75
4.04
15.19

7.41
5.06
14.67

6.96
4.54
14.76

6.42
4.92
17.33

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.57
16.77
0.98

1.58
15.35 $
0.38

1.51
16.05
0.34

1.54
15.54
0.24

1.74
15.13
0.27

1.43
16.46
0.56

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

81

82

Foreign Banks

UBS AG
(Amount in

Items

2006-07

2007-08

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2008-09

2009-10

1
18
-109.66

1
34
673.73
3.09

1
53
2484.20
109.28

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

284
75
-

1459
204
1403
25

1949
632
3797
685

80972
240689
165499
195539

509813
5616432
1916053
4298704

Interest income
Other income
Interest expended
Operating expenses

8
26

61
8
13
58

185
57
57
101

28520
10972
10622
12557

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

54

12.40
-12.38
39.99

3.98
3.50
38.43

3.11
5.64
23.31

4.73
4.45
17.05

-7.98
229.37
-

0.10
157.86
-

1.63
90.01
-

1.74
16.72
0.67

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances

Return on Assets
CRAR
Net NPA ratio

83

U,V,W

Nationalised Banks

UCO Bank
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

1923
24773
464.00
1.30

2018
23950
580.00
1.76

2133
23736
732.00
2.40

2215
23264
864.00
4.43

2268
23046
1069.00
4.19

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

2662
64860
19525
46989

2926
79909
24250
55082

3957
100222
29385
68804

5211
122416
43521
82505

7419
145278
42927
99071

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

5210
550
3623
1193

6509
772
5021
1306

8121
1020
6477
1463

9526
966
7202
1584

11371
925
7526
2075

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.33
3.06
17.30

6.27
3.05
14.14

6.50
3.50
12.56

5.78
3.61
12.04

5.03
4.34
15.42

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.47
11.56
2.14

0.52
11.02
1.98

0.59
11.93
1.18

0.87
13.21
1.17

0.66
13.71
1.84

1.03
13.47
0.92

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

84

Nationalised Banks

Union Bank of India


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

2310
27536
509.21
3.25

2476
27168
620.00
5.39

2678
29014
694.00
6.28

2935
29419
853.00
7.47

3142
29462
1043.00
7.50

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

5190
85180
27982
62386

7348
103859
33823
74267

8740
138703
42997
96534

10424
170040
54404
119315

12765
202461
58399
150986

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

7382
687
4592
1476

9215
1320
6361
1593

11889
1483
8076
2214

13303
1975
9110
2508

16453
2039
10236
3950

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.16
3.60
14.40

6.12
3.73
10.63

6.03
4.39
11.19

5.28
3.70
11.66

4.89
4.02
18.33

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.92
12.80
0.96

1.26
12.51 $
0.17

1.27
13.27
0.34

1.25
12.51
0.81

1.05
12.95
1.19

1.03
13.47
0.92

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

85

Nationalised Banks

United Bank of India


(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

1361
16793
350.00
1.59

1436
16009
463.00
1.99

1485
15111
585.00
1.22

1564
15285
714.00
2.11

1596
15062
860.00
3.48

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

2415
37167
14602
22156

2661
46971
18515
27858

3078
54536
17924
35394

3903
68180
26068
42330

5022
77845
26259
53502

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

2825
348
1675
778

3557
465
2653
903

4312
491
3150
975

5249
559
3858
1074

6341
637
4172
1299

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.80
3.98
22.72

5.85
3.13
18.04

5.78
3.72
15.94

5.92
3.55
13.43

5.23
4.44
14.88

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.73
12.02
1.50

0.68
11.24
1.10

0.34
13.28
1.48

0.45
12.80
1.84

0.66
13.05
1.42

1.03
13.47
0.92

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

86

Foreign Banks

United Overseas Bank


(Amount in

Items

2006-07

2007-08

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Fund (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

87

2008-09

2009-10

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11
1
5
0.02
-6.41

316
27968
1559.74
27.59

76696
1004182
987.38
7.00

129
-

80972
240689
165499
195539

509813
5616432
1916053
4298704

6
7

28520
10972
10622
12557

491665
79564
298891
123129

36.58

3.11
5.64
23.31

4.73
4.45
17.05

-0.24
341.49
-

1.74
16.72
0.67

1.10
14.17
0.97

Nationalised Banks

Vijaya Bank
(Amount in

Items

crore)

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

2006-07

2007-08

2008-09

2009-10

1039
11330
455.17
3.04

1113
11439
612.67
3.32

1174
11975
756.00
2.30

1229
11565
836.00
4.50

1259
11415
928.00
6.30

45640
475082
1144.77
6.95

76696
1004182
987.38
7.00

1897
37604
12018
24224

2459
47952
16617
31689

3149
54535
17388
35468

3475
61932
21107
41507

4817
73248
25139
48719

205857
3127122
942837
2311478

509813
5616432
1916053
4298704

2823
275
1751
651

3889
532
3058
701

5238
699
4113
925

5201
679
3752
1072

5844
533
3897
1433

256490
28625
164135
53819

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.05
3.57
16.33

6.62
3.05
10.77

7.15
4.25
11.86

5.84
4.13
14.63

5.23
4.06
18.96

4.93
4.27
16.41

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

0.92
11.21
0.59

0.75
11.22 $
0.57

0.59
13.15
0.82

0.76
12.50
1.40

0.72
13.88
1.52

1.03
13.47
0.92

1.10
14.17
0.97

No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

88

Private Sector Banks

Yes Bank
(Amount in

crore)

2006-07

2007-08

2008-09

2009-10

Group All Banks


2010-11 Aggregate Aggregate
2010-11
2010-11

41
2443
530.50
3.86

68
3150
683.12
6.35

118
2671
988.36
11.38

151
2906
1623.84
16.75

213
3929
2220.25
20.89

11968
218679
823.26
8.10

76696
1004182
987.38
7.00

787
8220
3073
6290

1319
13273
5094
9430

1624
16169
7117
12403

3090
26799
10210
22193

3794
45939
18829
34364

138589
1002759
422020
797534

509813
5616432
1916053
4298704

588
195
416
193

1305
361
974
341

2001
437
1492
419

2370
576
1582
500

4042
623
2795
680

96827
20726
57115
27606

491665
79564
298891
123129

Cost of Fund (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

6.36
3.36
19.26

7.83
4.01
15.39

8.67
4.96
11.41

6.05
4.19
12.34

6.54
4.03
10.43

4.56
5.11
14.54

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.44
13.60
-

1.54
13.60 $
0.09

1.59
16.60
0.33

1.79
20.60
0.06

1.58
16.50
0.03

1.43
16.46
0.56

1.10
14.17
0.97

Items
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)
Capital and Reserves & surplus
Deposits
Investment
Advances
Interest income
Other income
Interest expended
Operating expenses

89

X,Y,Z

90

State Bank of India & its Associates

Items
2006-07

Bank Group-wise Aggregates


2007-08
2008-09
2009-10

crore)

2010-11

No. of banks
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

8
14673
255699
436.35
2.57

8
15848
249008
549.22
3.62

7
16894
268598
650.22
4.43

7
18178
266605
737.43
4.66

6
18772
282453
793.06
4.20

Capital and Reserve & surplus


Deposits
Investments
Advances

42941
633476
211875
482270

61706
773875
263823
593722

72422
1007041
357624
739450

83726
1108086
387473
857937

84394
1245862
385697
994154

Interest income
Other income
Interest expended
Operating expenses

53465
9420
32607
15987

70428
11818
47809
16993

89196
16073
61770
20088

97954
18394
66229
25283

109828
19240
67018
29146

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.75
3.72
21.55

5.90
3.65
15.89

5.94
3.95
15.06

5.32
3.60
17.10

4.80
4.05
19.21

Return on Assets
CRAR
Net NPA ratio

0.86
12.32
1.32

0.97
13.21
1.43

1.02
13.96
1.47

0.91
13.46
1.50

0.79
12.25
1.49

91

GROUP
AGGREGATES

(Amount in

Nationalised Banks (Includes IDBI Bank Ltd.)


(Amount in
Items
2006-07
No. of banks
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

Bank Group-wise Aggregates


2007-08
2008-09
2009-10

crore)

2010-11

20
37435
473179
490.01
2.87

20
39255
466400
618.28
3.77

20
40956
462926
783.16
4.86

20
43452
473041
935.86
5.67

20
45640
475082
1144.77
6.95

92689
1360724
452981
957877

113079
1679993
536018
1203678

135920
2105706
655042
1519762

157276
2583934
828125
1843082

205857
3127122
942837
2311478

110720
14264
69353
27268

142647
20979
101093
29670

183892
26394
131676
35416

208029
30500
145712
40792

256490
28625
164135
53819

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.80
3.99
17.94

5.82
3.69
14.05

6.09
4.09
13.31

5.37
3.82
13.65

4.93
4.27
16.41

Return on Assets
CRAR
Net NPA ratio

0.94
12.37
0.94

1.01
12.13
0.77

1.03
13.24
0.68

1.00
13.18
0.91

1.03
13.47
0.92

Capital and Reserve & surplus


Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

92

Public Sector Banks


(Amount in
Items
2006-07
No. of banks
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

Bank Group-wise Aggregates


2007-08
2008-09
2009-10

crore)

2010-11

28
52108
728878
471.18
2.76

28
55103
715408
594.24
3.72

27
57850
731524
734.35
4.70

27
61630
739646
864.34
5.31

26
64412
757535
1013.63
5.93

135630
1994200
664856
1440146

174785
2453868
799841
1797401

208342
3112747
1012666
2259212

241001
3692019
1215598
2701019

290252
4372985
1328534
3305632

164185
23684
101960
43255

213075
32797
148902
46663

273088
42466
193447
55504

305983
48893
211940
66075

366318
47865
231153
82965

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.79
3.90
19.15

5.85
3.67
14.66

6.04
4.04
13.88

5.35
3.75
14.79

4.89
4.20
17.27

Return on Assets
CRAR
Net NPA ratio

0.92
12.36
1.06

1.00
12.51
0.99

1.02
13.49
0.94

0.97
13.27
1.10

0.96
13.08
1.09

Capital and Reserve & surplus


Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

93

Old Private Sector Banks


(Amount in
Items
2006-07

Bank Group-wise Aggregates


2007-08
2008-09
2009-10

crore)

2010-11

No. of banks
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

17
4723
47994
481.59
2.34

15
4690
48700
569.32
4.06

15
4908
51341
638.43
4.69

15
5220
55052
697.49
4.20

14
5011
55075
814.90
5.63

Capital and Reserve & surplus


Deposits
Investments
Advances

10736
138249
43647
92887

15315
165589
54080
111670

17477
199274
72393
128504

20171
229897
83499
154085

23821
264157
92617
184647

Interest income
Other income
Interest expended
Operating expenses

11474
1568
7055
2967

14614
2184
9960
3235

18790
2782
12834
3939

20497
3152
14076
4715

23299
3029
14768
5600

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.98
4.06
16.89

6.20
4.26
13.67

6.67
5.15
13.26

6.13
4.82
14.57

5.50
4.92
16.75

Return on Assets
CRAR
Net NPA ratio

0.78
12.08
0.96

1.14
14.08
0.66

1.15
14.76
0.90

0.95
14.85
0.82

1.12
14.56
0.53

94

New Private Sector Banks


(Amount in
Items
2006-07

Bank Group-wise Aggregates


2007-08
2008-09
2009-10

crore)

2010-11

No. of banks
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

8
2599
91060
807.82
5.87

8
3635
110123
831.96
6.85

7
4333
124998
787.15
6.77

7
5232
127468
840.41
8.47

7
6957
163604
826.07
8.93

Capital and Reserve & surplus


Deposits
Investments
Advances

39736
413738
171008
321865

76056
509444
224498
406733

82192
537104
234139
446824

99813
592904
270618
478356

114768
738602
329403
612886

38092
10745
25802
12353

56377
14822
38535
17032

66282
15078
44123
17840

62309
17271
37130
18136

73528
17697
42347
22006

5.24
4.47
9.36

6.11
5.05
9.56

6.04
5.26
10.17

4.42
5.14
12.10

4.27
5.16
13.83

1.09
11.99
0.97

1.13
14.39
1.21

1.12
15.33
1.40

1.38
18.03
1.09

1.51
16.87
0.56

Interest income
Other income
Interest expended
Operating expenses
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

95

Private Sector Banks


(Amount in
Items
2006-07

Bank Group-wise Aggregates


2007-08
2008-09
2009-10

crore)

2010-11

No. of banks
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

25
7322
139054
695.23
4.65

23
8325
158823
751.42
6.00

22
9241
176339
743.85
6.16

22
10452
182520
797.31
7.18

21
11968
218679
823.26
8.10

Capital and Reserve & surplus


Deposits
Investments
Advances

50473
551987
214655
414751

91371
675033
278578
518402

99669
736378
306531
575328

119984
822801
354117
632441

138589
1002759
422020
797534

Interest income
Other income
Interest expended
Operating expenses

49567
12313
32856
15320

70991
17006
48495
20267

85071
17860
56957
21779

82806
20423
51206
22851

96827
20726
57115
27606

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.18
4.38
10.93

6.13
4.88
10.35

6.18
5.23
10.83

4.83
5.06
12.73

4.56
5.11
14.54

Return on Assets
CRAR
Net NPA ratio

1.02
12.01
0.97

1.13
14.34
1.09

1.13
15.23
1.29

1.28
17.43
1.03

1.43
16.46
0.56

96

Foreign Banks
(Amount in
Items
2006-07

Bank Group-wise Aggregates


2007-08
2008-09
2009-10

crore)

2010-11

No. of banks
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

29
272
28426
974.77
16.13

28
277
31301
1125.50
21.12

31
295
29582
1282.74
25.39

32
308
28012
1411.39
16.92

33
316
27968
1559.74
27.59

Capital and Reserve & surplus


Deposits
Investments
Advances

33075
150750
71471
126339

49332
191161
98910
161133

59937
214076
130354
165385

69176
232099
159291
163260

80972
240689
165499
195539

Interest income
Other income
Interest expended
Operating expenses

17924
7044
7603
7745

24417
10588
10604
10353

30322
14894
12819
12298

26390
9951
8938
11102

28520
10972
10622
12557

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.03
5.74
20.08

4.33
6.60
19.95

4.46
8.15
19.44

2.83
7.16
23.48

3.11
5.64
23.31

Return on Assets
CRAR
Net NPA ratio

2.28
12.39
0.73

2.09
13.05
0.77

1.99
14.32
1.81

1.26
17.26
1.82

1.74
16.72
0.67

97

All Scheduled Commercial Banks


(Amount in
Items
2006-07
No. of banks
No. of offices
No. of employees
Business per employee (in lakh)
Profit per employee (in lakh)

Bank Group-wise Aggregates


2007-08
2008-09
2009-10

crore)

2010-11

82
59702
896358
521.91
3.48

79
63705
905532
640.18
4.72

80
67386
937445
753.44
5.63

81
72390
950178
867.59
6.01

80
76696
1004182
987.38
7.00

219179
2696937
950982
1981236

315488
3320062
1177330
2476936

367947
4063201
1449551
2999924

430161
4746920
1729006
3496720

509813
5616432
1916053
4298704

231675
43041
142420
66319

308482
60391
208001
77283

388482
75220
263223
89581

415179
79268
272084
100028

491665
79564
298891
123129

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.82
4.12
17.32

5.80
4.12
14.01

5.96
4.53
13.60

5.10
4.19
14.85

4.73
4.45
17.05

Return on Assets
CRAR
Net NPA ratio

1.05
12.28
1.02

1.12
13.00
1.00

1.13
13.98
1.05

1.05
14.54
1.12

1.10
14.17
0.97

Capital and Reserve & surplus


Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

98

Published by :
Dr. A. R. Joshi, Director
Banking Studies and Risk Modelling Division
Department of Statistics and Information Management
Reserve Bank of India
C-9, 7th Floor, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051.

99
Printed by : Jyoti Enterprises, 40/42 Modi Street,
Fort, Mumbai - 400 001. Tel. : 2263 2173/2270 4558

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