Table B12: Selected Ratios of Scheduled Commercial Banks: 2009 State Bank of India & Its Associates

TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2
STATE BANK OF INDIA & ITS ASSOCIATES
State Bank of
Bikaner and Jaipur
As on March 31
State Bank of
State Bank of
Hyderabad
India
Ratios
1. Cash-Deposit ratio
2. Credit-Deposit ratio
3. Investment-Deposit ratio
4. (Credit+Investment)-Deposit ratio
5. Ratio of deposits to total liabilities
6. Ratio of demand & savings bank deposits to
7. Ratio of priority sector advances to total
8. Ratio of term loan to total advances
9. Ratio of secured advances to total advances
10. Ratio of investments in non-approved securities
11. Ratio of interest income to total assets
12. Ratio of net interest income to total assets (Net
13. Ratio of non-interest income to total assets
14. Ratio of intermediation cost to total assets
15. Ratio of wage bills to intermediation cost
16. Ratio of wage bills to total expense
17. Ratio of wage bills to total income
18. Ratio of burden to total assets
19. Ratio of burden to interest income
20. Ratio of operating profits to total assets
21. Return on assets
22. Return on equity
23. Cost of deposits
24. Cost of borrowings
25. Cost of funds
26. Return on advances
27. Return on investments
28. Return on advances adjusted to cost of funds
29. Return on investments adjusted to cost of funds
30. Business per employee (in Rs.lakh)
31. Profit per employee (in Rs.lakh)
32. Capital adequacy ratio
33. Capital adequacy ratio - Tier I
34. Capital adequacy ratio - Tier II
35. Ratio of net NPA to net advances
Source : Annual accounts of banks.
2009
2010
2009
2010
2009
(3)
9.17
76.10
28.04
104.14
84.59
37.82
38.80
56.55
80.02
4.83
8.71
2.52
1.32
1.80
58.52
13.19
10.50
0.48
5.52
2.04
0.92
21.46
6.72
5.42
6.66
10.89
7.29
4.22
0.63
555.39
3.55
14.52
8.46
6.06
0.85
(4)
8.03
76.47
29.53
106.00
85.00
39.06
37.94
56.33
79.23
3.77
7.91
2.41
1.16
1.77
56.35
13.73
11.01
0.61
7.74
1.80
0.93
20.39
6.07
1.15
5.77
9.58
6.91
3.81
1.14
627.67
3.96
13.30
8.35
4.95
0.77
(5)
8.69
69.94
33.60
103.54
81.40
30.67
31.97
58.40
81.70
13.07
8.25
2.12
1.11
1.35
59.17
10.67
8.52
0.24
2.87
1.88
0.91
20.87
6.95
2.66
6.75
10.57
7.43
3.82
0.68
839.82
4.87
11.53
7.14
4.39
0.38
(6)
7.00
72.69
32.90
105.59
82.36
28.45
33.79
61.78
85.46
16.19
7.66
2.25
1.02
1.19
61.25
11.05
8.40
0.17
2.25
2.08
1.03
22.02
6.11
0.70
5.76
9.71
6.76
3.95
1.00
755.62
5.58
14.90
8.64
6.26
0.55
(1)
7.49
73.11
37.19
110.29
76.94
41.64
26.48
50.07
79.01
17.34
7.57
2.48
1.51
1.86
62.29
16.64
12.75
0.35
4.64
2.13
1.04
17.05
5.93
3.76
5.72
9.68
6.69
3.95
0.97
556.00
4.74
14.25
9.38
4.87
1.79
D COMMERCIAL BANKS : 2009

(in per cent)
h 31
State Bank of
India
As on March 31
State Bank of Mysore
State Bank of Indore
2010
2009
2010
2009
2010
(2)
7.62
78.58
35.54
114.13
76.33
47.26
26.99
49.69
78.50
20.31
7.04
2.35
1.48
2.01
62.77
18.86
14.84
0.53
7.54
1.82
0.88
14.80
5.61
1.31
5.14
8.62
6.31
3.48
1.17
636.00
4.46
13.39
9.45
3.94
1.72
(7)
6.18
76.28
28.42
104.70
85.66
30.21
34.69
56.48
88.88
9.65
8.70
2.35
1.12
1.48
55.33
10.43
8.31
0.35
4.04
2.00
0.88
19.36
6.56
5.43
6.50
10.57
7.17
4.07
0.67
701.53
4.44
13.46
7.91
5.55
0.89
(8)
5.70
77.31
28.00
105.32
86.58
33.18
41.88
52.12
86.01
3.68
8.00
2.36
1.09
1.48
50.95
10.63
8.33
0.39
4.93
1.97
0.91
18.07
5.97
0.93
5.66
9.37
6.91
3.71
1.26
763.51
4.83
13.53
8.58
4.95
1.13
(9)
5.27
77.82
34.57
112.39
81.30
28.88
33.22
62.96
89.08
12.09
8.83
2.28
1.31
1.81
57.82
12.51
10.32
0.50
5.69
1.78
0.91
18.47
6.95
0.33
6.39
10.84
7.13
4.45
0.74
602.00
3.48
12.99
7.15
5.84
0.50
(10)
7.11
75.97
29.56
105.53
85.62
31.58
30.55
64.93
87.80
6.84
8.29
2.88
0.99
1.69
57.70
13.73
10.50
0.70
8.41
2.18
1.06
18.06
5.85
3.34
5.65
9.87
6.77
4.22
1.12
672.00
4.41
12.42
7.59
4.83
1.02
6. Ratio of demand & savings bank deposits
9. Ratio of secured advances to total
10. Ratio of investments in non-approved
12. Ratio of net interest income to total
13. Ratio of non-interest income to total
14. Ratio of intermediation cost to total
25. Cost of funds
28. Return on advances adjusted to cost of
29. Return on investments adjusted to cost
As on March 31
State Bank of
Patiala
State Bank of
Travancore
2009
2010
2009
2010
(11)
6.20
72.64
28.38
101.02
86.19
22.60
32.15
60.96
93.03
2.21
9.02
1.75
0.98
1.23
55.92
8.12
6.90
0.25
2.80
1.50
0.83
18.20
7.95
2.21
7.65
11.25
7.45
3.61
-0.20
910.24
4.68
12.60
6.94
5.66
0.60
(12)
6.17
71.80
28.14
99.94
84.85
26.00
38.47
61.41
96.73
3.99
8.20
2.11
0.93
1.24
55.56
9.37
7.53
0.31
3.79
1.80
0.79
16.01
6.68
0.29
6.36
10.25
6.57
3.89
0.21
895.21
4.45
13.26
8.16
5.10
1.04
(13)
5.54
77.55
31.47
109.02
85.19
32.43
39.92
51.62
80.25
11.04
8.84
2.75
1.23
1.71
61.03
13.40
10.39
0.49
5.49
2.27
1.30
30.64
6.45
0.72
6.08
10.45
6.98
4.37
0.90
658.00
5.00
14.03
8.59
5.44
0.58
(14)
6.82
75.59
31.49
107.08
85.58
30.41
36.64
54.95
79.82
14.98
8.05
2.57
0.97
1.60
60.94
13.81
10.83
0.63
7.86
1.94
1.26
26.88
5.91
0.34
5.58
9.47
6.55
3.88
0.97
696.00
6.00
13.74
9.24
4.50
0.91
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2009 AND 2010
NATIONALISED BANKS
Allahabad Bank
As on March 31
Andhra Bank
Bank of Baroda
Ratios
6. Ratio of demand & savings bank
7. Ratio of priority sector advances to
10. Ratio of investments in non11. Ratio of interest income to total
12. Ratio of net interest income to total
14. Ratio of intermediation cost to total
15. Ratio of wage bills to intermediation
20. Ratio of operating profits to total
25. Cost of funds
28. Return on advances adjusted to cost
29. Return on investments adjusted to
2009
2010
2009
2010
2009
2010
(1)
6.02
69.20
34.90
104.10
87.02
34.60
34.75
55.56
81.20
26.90
8.16
2.39
1.26
1.55
62.45
13.23
10.27
0.29
3.50
2.11
0.90
13.88
(2)
6.77
67.52
36.23
103.75
87.15
34.50
33.91
55.33
82.82
19.02
7.63
2.42
1.38
1.48
62.51
13.79
10.23
0.09
1.22
2.32
1.16
19.14
(3)
8.17
74.32
28.47
102.80
86.74
31.41
36.23
40.68
79.34
9.46
8.60
2.60
1.22
1.77
56.51
12.86
10.16
0.54
6.31
2.06
1.09
18.94
(4)
8.62
72.23
26.88
99.11
85.99
29.43
35.52
44.65
85.54
5.27
8.03
2.76
1.21
1.70
61.06
14.91
11.23
0.48
6.04
2.28
1.39
25.96
(5)
5.51
74.46
27.26
101.72
84.88
29.59
26.70
43.84
78.90
21.63
7.43
2.52
1.36
1.76
65.66
17.34
13.16
0.40
5.42
2.12
1.09
18.62
(6)
5.62
72.62
25.38
98.00
86.61
29.65
26.35
43.50
75.60
17.89
6.61
2.35
1.11
1.51
61.69
16.14
12.05
0.40
6.01
1.95
1.21
21.86
6.24
2.28
6.10
10.13
6.97
4.02
0.87
706.00
3.75
13.11
8.01
5.10
0.72
5.59
0.86
5.37
9.81
5.71
4.44
0.34
845.00
5.76
13.62
8.12
5.50
0.66
6.41
6.14
6.40
10.76
6.91
4.36
0.51
728.29
4.58
13.22
8.67
4.55
0.18
5.55
2.91
5.38
10.30
6.29
4.92
0.91
938.94
7.32
13.93
8.18
5.75
0.17
5.33
3.50
5.25
8.96
6.87
3.71
1.62
914.00
6.00
14.05
8.49
5.56
0.31
4.56
1.34
4.38
7.88
6.43
3.50
2.06
981.00
8.00
14.36
9.20
5.16
0.34
ANKS : 2009 AND 2010

(in per cent)
As on Marc
Bank of India
Bank of Maharashtra
2010
2009
2010
2009
2010
(6)
5.62
72.62
25.38
98.00
86.61
29.65
26.35
43.50
75.60
17.89
6.61
2.35
1.11
1.51
61.69
16.14
12.05
0.40
6.01
1.95
1.21
21.86
(7)
4.70
75.33
27.73
103.06
84.13
26.76
26.27
42.43
77.33
17.90
8.09
2.72
1.51
1.53
62.62
13.90
9.99
0.02
0.26
2.70
1.49
24.97
(8)
6.79
73.33
29.20
102.53
83.56
27.84
25.48
42.95
78.05
14.53
7.14
2.30
1.05
1.47
62.60
14.54
11.20
0.42
5.88
1.88
0.70
12.56
6. Ratio of demand & savings bank deposits
12. Ratio of net interest income to total assets
(9)
7.43
65.62
35.18
100.80
88.52
35.69
36.73
65.16
79.76
11.77
8.01
2.34
0.93
1.80
60.19
14.50
12.10
0.86
10.79
1.48
0.72
17.46
(10)
8.40
63.68
33.68
97.37
89.09
36.91
39.44
71.70
77.63
14.41
7.28
1.99
0.91
1.65
61.09
14.53
12.31
0.74
10.17
1.25
0.70
16.35
4.56
1.34
4.38
7.88
6.43
3.50
2.06
981.00
8.00
14.36
9.20
5.16
0.34
5.76
4.66
5.69
9.78
7.14
4.09
1.45
833.00
7.49
13.01
8.91
4.10
0.44
5.16
2.92
4.97
8.42
7.46
3.45
2.49
1011.00
4.39
12.94
8.48
4.46
1.31

25. Cost of funds
29. Return on investments adjusted to cost of
5.92
3.49
5.86
10.28
6.46
4.42
0.60
636.00
2.76
12.05
6.11
5.94
0.79
5.51
0.03
5.28
9.03
6.54
3.75
1.26
762.00
3.21
12.78
6.41
6.37
1.64
As on March 31
Canara Bank
Central Bank of India
Corporation Bank
2009
2010
2009
2010
2009
2010
(11)
5.37
73.96
30.91
104.87
85.09
30.05
33.27
49.05
76.47
11.18
8.56
2.36
1.16
1.53
61.24
12.14
9.66
0.38
4.40
1.98
1.06
18.25
(12)
6.70
72.16
29.69
101.86
88.63
29.09
33.48
49.08
66.48
9.40
7.74
2.35
1.18
1.44
63.08
13.26
10.15
0.26
3.30
2.09
1.30
22.48
(13)
8.41
65.12
32.80
97.92
88.90
33.36
31.39
70.86
77.55
11.09
7.70
1.64
0.79
1.37
68.36
12.61
11.04
0.58
7.57
1.06
0.45
9.25
(14)
10.49
65.01
31.19
96.20
88.74
34.44
32.14
68.84
82.32
11.05
7.30
1.54
1.05
1.35
69.50
13.15
11.19
0.29
4.03
1.25
0.66
15.01
(15)
7.56
65.57
33.71
99.28
85.13
31.44
31.74
45.43
70.80
29.26
7.91
2.20
1.44
1.36
49.01
9.46
7.15
-0.08
-1.00
2.28
1.24
19.57
(16)
9.53
68.15
37.23
105.38
83.04
28.55
31.57
46.83
64.94
28.02
7.35
2.23
1.19
1.27
50.14
9.96
7.45
0.07
1.01
2.15
1.24
21.93
6. Ratio of demand & savings bank deposi
9. Ratio of secured advances to total advan
10. Ratio of investments in non-approved s
12. Ratio of net interest income to total asse
13. Ratio of non-interest income to total ass
14. Ratio of intermediation cost to total asse
15. Ratio of wage bills to intermediation cos
6.72
4.69
6.62
10.44
7.62
3.82
1.00
780.17
4.97
14.10
8.01
6.09
1.09
5.83
1.54
5.61
9.07
7.18
3.46
1.57
982.58
7.35
13.43
8.54
4.89
1.06
6.55
14.62
6.59
9.78
6.88
3.19
0.29
560.28
1.71
13.12
6.97
6.15
1.24
6.22
0.55
6.06
9.06
7.07
3.00
1.00
711.76
3.30
12.23
6.83
5.40
0.69
6.31
3.05
6.14
10.00
7.13
3.86
0.99
1049.00
7.64
13.61
8.90
4.71
0.29
5.46
0.40
5.08
8.91
7.03
3.84
1.96
1269.00
9.52
15.37
9.25
6.12
0.31

25. Cost of funds
29. Return on investments adjusted to cost
As on March 31
Indian Bank
Dena Bank
2009
2010
2009
2010
posit ratio
posit ratio
nt-Deposit ratio
nvestment)-Deposit ratio
eposits to total liabilities
emand & savings bank deposits to total deposits
riority sector advances to total advances
erm loan to total advances
ecured advances to total advances
nvestments in non-approved securities to total
nterest income to total assets
net interest income to total assets (Net Interest
non-interest income to total assets
ntermediation cost to total assets
wage bills to intermediation cost
wage bills to total expense
wage bills to total income
burden to total assets
burden to interest income
operating profits to total assets
n assets
n equity
(17)
11.57
67.08
28.97
96.05
88.84
34.78
33.98
48.03
81.87
19.35
7.92
2.44
0.99
1.76
60.91
14.85
12.07
0.78
9.81
1.67
1.02
21.29
(18)
8.48
69.07
30.57
99.63
89.16
35.96
32.92
52.00
79.67
14.93
7.56
2.07
1.11
1.60
60.32
13.61
11.12
0.49
6.47
1.59
1.01
21.43
(19)
8.56
70.81
31.41
102.23
86.35
31.63
35.52
61.54
88.13
15.91
8.84
3.38
1.34
2.06
72.59
19.84
14.66
0.72
8.09
2.66
1.62
20.26
(20)
8.00
70.44
32.04
102.48
87.02
32.21
34.84
54.30
86.12
17.59
8.47
3.56
1.27
1.87
70.07
19.30
13.43
0.60
7.08
2.96
1.67
20.18
deposits
borrowings
unds
n advances
n investments
n advances adjusted to cost of funds
n investments adjusted to cost of funds
s per employee (in Rs.lakh)
r employee (in Rs.lakh)
dequacy ratio
dequacy ratio - Tier I
dequacy ratio - Tier II
net NPA to net advances
5.86
1.84
5.77
9.89
7.28
4.12
1.51
714.00
4.28
12.07
6.76
5.31
1.09
5.85
0.03
5.67
9.35
6.82
3.68
1.14
827.00
4.86
12.77
8.16
4.61
1.21
6.08
9.59
6.13
11.15
7.55
5.02
1.41
617.00
6.23
13.98
11.88
2.10
0.18
5.56
5.20
5.56
10.22
7.82
4.66
2.26
761.00
7.92
12.71
11.13
1.58
0.23
ch 31
Indian Overseas Bank
Oriental Bank of Commerce
2009
2010
2009
2010
(21)
5.93
74.80
31.18
105.98
82.69
30.25
32.44
52.79
89.59
14.68
8.65
2.57
1.43
1.74
65.50
14.60
11.32
0.31
3.59
2.26
1.17
22.07
(22)
6.92
71.31
33.98
105.29
84.51
32.55
34.48
50.52
85.40
14.59
8.13
2.51
0.91
1.96
70.33
18.18
15.23
1.05
12.92
1.46
0.53
9.63
(23)
6.99
69.64
28.96
98.60
87.37
23.74
31.01
59.73
89.20
11.96
8.71
1.96
1.05
1.38
55.17
9.34
7.77
0.32
3.69
1.64
0.88
13.51
(24)
6.72
69.43
29.76
99.18
87.50
24.97
33.65
61.88
87.45
8.11
8.21
2.33
0.96
1.35
57.61
10.75
8.48
0.39
4.74
1.94
0.91
14.51
6.46
5.97
6.42
10.78
7.23
4.36
0.81
689.50
5.20
13.20
7.88
5.32
1.33
5.95
4.24
5.80
9.95
6.92
4.15
1.11
712.00
2.63
14.78
8.67
6.11
2.52
7.41
2.08
7.27
10.60
8.17
3.32
0.89
1142.43
6.18
12.98
9.10
3.88
0.65
6.43
0.18
6.21
9.96
7.66
3.75
1.45
1331.17
7.39
12.54
9.28
3.26
0.87
6. Ratio of demand & savings bank deposits to total
7. Ratio of priority sector advances to total advances
10. Ratio of investments in non-approved securities to
25. Cost of funds
o
posit ratio
l liabilities
ngs bank deposits to total
dvances to total advances
al advances
ces to total advances
non-approved securities to
e to total assets
ome to total assets (Net
come to total assets
cost to total assets
termediation cost
tal expense
tal income
assets
est income
ts to total assets
justed to cost of funds

adjusted to cost of funds
e (in Rs.lakh)
Rs.lakh)
- Tier I
- Tier II
advances
Punjab and Sind Bank
As on March 31
Punjab National Bank
Syndicate Bank
2009
2010
2009
2010
2009
2010
(25)
5.64
70.99
36.42
107.40
83.83
27.76
29.23
66.97
72.21
10.71
8.98
2.80
1.13
1.93
75.27
17.91
14.37
0.80
8.94
2.00
1.24
20.37
(26)
7.71
66.40
36.39
102.79
86.75
25.04
32.76
71.68
72.54
13.61
8.03
2.42
0.84
1.47
73.75
15.27
12.19
0.63
7.79
1.79
1.05
21.40
(27)
8.13
73.75
30.22
103.97
84.95
38.83
31.81
52.61
86.12
12.92
8.58
3.06
1.37
1.89
69.53
17.72
13.18
0.51
5.97
2.55
1.39
22.92
(28)
7.35
74.84
31.17
106.01
84.05
40.85
35.70
53.56
89.38
14.49
7.90
3.14
1.31
1.75
65.54
17.63
12.47
0.44
5.57
2.70
1.44
24.12
(29)
10.82
70.36
26.35
96.71
88.97
27.60
32.37
73.68
68.70
10.13
8.03
2.15
0.77
1.51
62.54
12.77
10.73
0.74
9.20
1.41
0.81
19.63
(30)
6.14
77.25
28.21
105.46
84.16
31.23
34.38
75.57
74.72
14.10
7.46
2.03
0.87
1.51
65.78
14.32
11.93
0.64
8.62
1.39
0.62
15.29
7.03
2.10
6.54
11.57
6.52
5.04
-0.02
656.00
5.00
14.35
8.44
5.91
0.32
6.13
1.42
5.75
9.62
7.18
3.87
1.43
963.00
6.00
13.10
7.68
5.42
0.36
6.15
1.33
5.93
10.64
7.27
4.71
1.34
654.92
5.64
14.03
8.98
5.05
0.17
5.21
0.34
4.90
9.79
6.49
4.89
1.59
807.95
7.31
14.16
9.11
5.05
0.53
6.26
0.21
6.08
10.13
6.92
4.06
0.84
750.65
3.64
12.68
7.85
4.83
0.77
5.82
0.12
5.42
8.95
7.14
3.53
1.72
746.84
3.18
12.70
8.24
4.46
1.07
As on March 31
Union Bank of India
UCO Bank
2009
2010
2009
2010
(31)
6.57
68.65
29.32
97.97
89.75
24.11
31.29
65.17
80.60
21.54
8.06
1.63
1.01
1.45
68.19
12.56
10.91
0.44
5.46
1.19
0.59
16.20
(32)
5.92
67.40
35.55
102.95
89.15
24.65
29.53
66.75
78.70
28.22
7.65
1.87
0.78
1.27
66.75
12.04
10.08
0.50
6.49
1.37
0.87
22.08
(33)
6.48
69.60
31.00
100.60
86.16
30.07
33.13
40.65
79.31
18.26
8.34
2.68
1.04
1.55
52.02
11.19
8.61
0.51
6.15
2.16
1.27
21.46
(34)
7.33
70.17
31.99
102.16
87.13
31.73
35.04
43.73
77.56
21.28
7.47
2.35
1.11
1.41
54.01
11.66
8.87
0.30
4.01
2.06
1.25
21.65
6.58
4.42
6.50
10.00
6.55
3.50
0.05
732.00
2.40
11.93
6.48
5.45
1.18
5.91
3.36
5.78
9.39
6.00
3.61
0.22
901.00
4.43
13.21
7.05
6.16
1.17
6.09
4.87
6.03
10.41
7.37
4.39
1.34
694.00
6.28
13.27
8.19
5.08
0.34
5.52
1.12
5.28
8.98
7.15
3.70
1.87
853.00
7.47
12.51
7.91
4.60
0.81
10. Ratio of investments in non-approved securities
22. Return on
equity
25. Cost of funds
As on March 31
United Bank of
India
Vijaya Bank
2009
2010
2009
2010
(35)
8.31
64.90
32.87
97.77
87.90
37.79
31.10
72.88
87.07
21.11
7.41
2.00
0.84
1.68
67.43
15.94
13.69
0.83
11.23
1.16
0.34
6.44
(36)
6.90
62.09
38.23
100.32
88.53
38.11
31.68
73.87
81.11
24.73
7.55
2.00
0.80
1.54
61.68
13.43
11.41
0.74
9.82
1.26
0.45
9.24
(37)
10.51
65.04
31.88
96.92
87.42
24.03
35.01
60.88
86.49
17.55
8.84
1.90
1.18
1.56
64.61
11.86
10.06
0.38
4.31
1.52
0.59
9.36
(38)
6.62
67.04
34.08
101.13
88.19
24.62
34.70
53.32
73.41
15.19
7.84
2.19
1.02
1.62
65.85
14.63
12.00
0.59
7.54
1.59
0.76
15.32
5.86
0.66
5.78
9.50
7.02
3.72
1.24
585.00
1.22
13.28
7.56
5.72
1.48
5.99
0.02
5.92
9.47
7.03
3.55
1.11
714.00
2.11
12.80
8.16
4.64
1.84
7.42
0.56
7.15
11.41
7.74
4.25
0.59
756.00
2.30
13.15
7.74
5.41
0.82
6.05
0.05
5.84
9.97
6.66
4.13
0.82
836.00
4.50
12.50
7.69
4.81
1.40
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL

BANKS : 2009 AND 2010
OTHER PUBLIC SECTOR BANK
(in per cent)
As on March 31
IDBI Bank Ltd.
Ratios
2009
(1)
7.64
92.03
44.53
136.56
65.20
14.78
21.98
85.25
86.38
18.63
7.62
0.82
0.97
0.88
42.55
4.89
4.37
-0.09
-1.20
0.91
0.62
9.41
7.14
0.93
25. Cost of funds
5.14
9.76
5.30
4.62
0.17
2030.33
8.42
11.57
6.81
4.76
0.92
2010
(2)
8.29
82.43
43.74
126.17
71.78
14.59
22.43
83.11
86.57
17.09
7.52
1.12
1.13
0.90
41.33
5.10
4.31
-0.23
-3.01
1.34
0.53
10.53
6.56
1.02
5.19
8.92
6.85
3.73
1.66
2417.42
8.44
11.31
6.24
5.07
1.02
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2009 AND

OLD PRIVATE SECTOR BANKS
Bank of
Rajasthan
As on March 31
Catholic Syrian Bank
City Union Bank
Ratios
6. Ratio of demand & savings bank deposits to total deposits
10. Ratio of investments in non-approved securities to total
investments
12. Ratio of net interest income to total assets (Net Interest
Margin)
25. Cost of funds
2009
2010
2009
2010
2009
2010
(7)
4.63
51.23
44.84
96.07
88.17
27.41
22.58
66.83
86.45
30.80
8.33
2.29
0.80
1.91
66.29
15.90
13.85
1.11
13.35
1.17
0.74
11.86
6.67
4.63
6.67
12.06
6.35
5.39
-0.32
532.93
2.89
11.50
6.19
5.31
0.73
(8)
7.16
55.30
44.63
99.93
87.07
32.79
29.87
72.62
86.12
33.92
7.88
1.94
0.75
2.86
77.52
25.18
25.65
2.10
26.69
-0.16
-0.58
-10.31
6.52
19.17
6.52
11.25
6.36
4.72
-0.17
569.77
-2.56
7.52
3.76
3.76
1.60
(7)
5.85
58.17
34.49
92.66
89.95
26.03
38.34
45.81
87.48
24.98
8.56
2.55
1.53
2.87
63.92
20.65
18.17
1.34
15.62
1.21
0.57
10.72
6.54
2.03
6.50
11.76
6.37
5.26
-0.14
374.00
1.39
12.29
8.81
3.48
2.39
(8)
8.39
64.01
32.81
96.82
90.75
25.12
33.71
36.13
88.99
21.21
7.85
1.67
1.00
2.57
61.70
18.11
17.89
1.56
19.92
0.10
0.02
0.43
6.70
0.04
6.61
10.24
6.32
3.63
-0.29
423.00
0.06
10.81
8.07
2.74
1.58
(7)
7.25
68.79
29.21
98.00
88.71
18.90
32.33
47.36
96.65
18.25
9.69
2.92
1.49
1.68
46.57
9.26
7.00
0.19
1.97
2.73
1.50
19.90
7.60
8.51
7.61
12.87
6.92
5.27
-0.68
565.18
4.98
12.69
11.48
1.21
1.08
(8)
8.45
66.44
31.22
97.66
88.97
21.86
36.83
41.85
97.26
19.89
9.19
2.67
1.38
1.59
48.31
9.49
7.28
0.21
2.34
2.46
1.52
20.55
7.28
4.23
7.27
12.11
6.91
4.85
-0.36
650.96
5.81
13.46
12.41
1.05
0.58
L BANKS : 2009 AND

(in per cent)
Dhanlaxmi Bank
2009
2010
(7)
7.95
64.32
31.54
95.87
88.06
24.30
32.86
49.33
86.27
11.45
8.44
2.51
1.64
2.34
55.33
15.65
12.83
0.70
8.26
1.82
1.21
19.26
6.52
32.03
6.53
11.03
5.98
4.50
-0.55
585.88
4.10
15.38
13.75
1.63
0.88
(8)
8.63
70.53
28.57
99.09
87.78
21.86
25.08
62.31
77.26
8.55
7.79
2.05
1.33
2.81
56.56
18.59
17.44
1.48
19.06
0.56
0.35
5.39
6.14
17.95
6.25
10.23
6.00
3.97
-0.25
369.61
0.07
12.99
8.80
4.19
0.84
Federal Bank
2009
10. Ratio of investments in non-approved securities to total investments
12. Ratio of net interest income to total assets (Net Interest Margin)
25. Cost of funds
(7)
6.88
69.54
37.64
107.18
82.88
24.50
37.80
49.60
82.88
31.53
9.29
3.69
1.45
1.60
55.55
12.35
8.29
0.16
1.68
3.53
1.48
12.13
6.45
2.50
6.32
12.42
6.32
6.10
0.01
750.00
6.90
20.22
18.42
1.80
0.30
Federal Bank
As on March 31
ING Vysya Bank
Jammu & Kashmir Bank
Karnataka Bank
2010
2009
2010
2009
2010
2009
2010
(8)
6.43
74.74
36.20
110.95
82.56
26.19
36.55
43.90
78.78
28.93
8.90
3.42
1.29
1.64
54.08
12.45
8.71
0.35
3.97
3.07
1.15
10.30
6.35
0.00
6.11
11.55
6.22
5.44
0.12
813.00
6.01
18.36
16.92
1.44
0.48
(7)
7.20
67.32
42.17
109.49
78.11
26.97
36.73
55.39
82.25
11.78
7.80
2.26
1.91
2.69
50.77
16.60
14.07
0.78
10.04
1.48
0.70
11.66
6.18
2.32
5.84
11.13
5.60
5.29
-0.24
606.39
3.03
11.65
6.89
4.76
1.20
(8)
9.01
71.55
40.49
112.04
76.34
32.58
37.15
67.11
85.81
21.76
6.79
2.52
1.89
2.46
53.07
19.40
15.03
0.57
8.41
1.95
0.80
12.01
4.61
0.38
4.10
9.70
4.94
5.59
0.84
623.78
3.88
14.91
10.11
4.80
1.20
(7)
6.98
63.42
32.53
95.95
87.56
38.11
35.10
65.71
90.65
28.97
8.44
2.79
0.74
1.34
59.21
11.34
8.62
0.59
7.05
2.20
1.09
16.72
6.22
8.36
6.28
11.53
6.62
5.25
0.35
500.00
5.00
14.48
13.80
0.68
1.38
(8)
7.37
61.92
37.48
99.40
87.52
40.69
37.44
65.85
84.13
39.43
7.62
2.79
1.04
1.44
63.45
14.57
10.55
0.40
5.27
2.39
1.20
18.19
5.24
7.93
5.32
10.65
5.71
5.33
(7)
6.71
58.08
44.07
102.16
88.96
19.95
37.02
40.96
90.88
33.76
9.24
2.39
1.53
1.64
54.95
10.64
8.39
0.12
1.27
2.28
1.25
18.10
7.53
14.12
7.56
12.28
7.13
4.72
-0.43
649.00
5.00
13.48
10.60
2.88
0.98
(8)
7.35
60.83
42.11
102.94
87.78
23.26
36.39
41.68
92.79
35.89
8.19
1.35
1.25
1.55
53.57
9.88
8.78
0.30
3.66
1.05
0.67
9.83
7.54
2.54
7.50
10.58
6.68
3.08
-0.82
727.00
3.00
12.37
9.98
2.39
1.31
#
731.00
7.00
15.89
12.79
3.10
0.28
Karur Vysya Bank
25. Cost of funds
As on March 31
Lakshmi Vilas Bank
2009
2010
2009
2010
(7)
6.38
68.93
31.23
100.16
88.52
21.89
36.32
34.02
92.85
18.81
9.14
2.59
1.68
1.63
47.69
9.50
7.18
-0.05
-0.53
2.64
1.49
18.57
7.34
8.94
7.36
11.50
6.71
4.14
-0.65
638.00
5.98
14.92
14.40
0.52
0.25
(8)
6.22
70.04
34.26
104.30
87.63
23.53
32.98
32.32
92.19
13.87
9.00
2.89
1.26
1.79
46.83
10.59
8.14
0.52
5.78
2.37
1.76
22.63
6.84
3.28
6.79
11.19
7.00
4.40
0.21
789.00
8.05
14.49
12.88
1.61
0.23
(7)
8.04
71.14
25.31
96.45
88.60
16.78
31.13
39.28
91.11
9.62
8.87
2.07
1.44
2.05
51.72
11.96
10.26
0.60
6.80
1.47
0.71
11.54
7.42
16.56
7.56
11.39
7.09
3.83
-0.46
510.00
2.07
10.29
8.81
1.48
1.24
(8)
8.27
69.17
32.87
102.04
86.55
18.22
34.13
42.57
91.39
13.26
9.68
2.65
1.10
1.98
49.59
10.92
9.13
0.88
9.12
1.77
0.33
5.14
7.83
5.79
7.78
12.48
7.54
4.71
-0.23
560.00
1.13
14.82
12.01
2.81
4.11
on March 31
Nainital Bank
Ratnakar Bank
2009
2010
2009
2010
(7)
5.54
52.94
26.23
79.17
87.62
43.27
55.55
41.92
93.60
20.18
9.30
4.12
0.46
1.73
66.60
16.70
11.82
1.27
13.66
2.85
1.68
22.45
5.84
0.18
5.79
12.63
7.97
6.84
2.18
425.00
6.00
13.10
11.85
1.25
0.00
(8)
6.50
51.38
28.18
79.56
87.15
42.40
52.03
42.38
94.77
21.02
8.43
3.52
0.62
1.68
61.74
15.77
11.50
1.07
12.68
2.45
1.72
20.90
5.58
0.30
5.55
10.95
7.55
5.40
2.00
521.00
6.00
15.68
14.38
1.30
0.00
(7)
7.14
61.29
30.95
92.24
76.57
33.47
29.58
48.66
91.32
22.65
8.67
3.99
0.98
2.09
61.65
19.04
13.35
1.11
12.76
2.88
1.96
9.19
6.15
0.78
6.14
11.17
8.28
5.02
2.14
373.00
5.00
42.30
41.69
0.61
0.68
(8)
11.38
73.84
32.00
105.84
75.99
36.12
25.59
45.15
94.23
22.60
7.60
3.11
0.70
2.04
59.14
18.47
14.54
1.34
17.68
1.76
1.05
5.50
5.87
0.34
5.86
9.72
7.16
3.86
1.30
391.00
3.00
34.07
33.53
0.54
0.97
SBI Comm. & In
2009
25. Cost of funds
(7)
5.80
52.88
50.30
103.18
80.53
7.34
43.01
60.41
76.07
43.75
7.75
2.58
0.44
1.37
43.39
9.10
7.27
0.93
12.01
1.65
1.52
9.22
6.44
12.67
6.47
10.99
6.29
4.53
-0.18
960.48
13.17
21.24
21.49
-0.25
0.00
As on March 31
SBI Comm. & Intl. Bank
South Indian Bank
Tamilnad
Mercantile Bank
2009
2010
2009
2010
2009
2010
(7)
5.80
52.88
50.30
103.18
80.53
7.34
43.01
60.41
76.07
43.75
7.75
2.58
0.44
1.37
43.39
9.10
7.27
0.93
12.01
1.65
1.52
9.22
6.44
12.67
6.47
10.99
6.29
4.53
-0.18
960.48
13.17
21.24
21.49
-0.25
0.00
(8)
6.04
41.73
64.95
106.68
76.59
15.41
50.19
58.96
69.88
40.70
5.86
1.09
0.85
1.45
47.00
10.97
10.17
0.60
10.25
0.49
0.49
2.47
6.05
0.00
6.07
10.08
4.43
4.01
-1.64
1055.38
4.43
27.31
26.60
0.71
0.00
(7)
5.51
65.49
33.58
99.06
88.78
23.80
34.00
40.84
88.32
33.05
9.00
2.79
0.88
1.75
65.20
14.35
11.57
0.88
9.73
1.91
1.09
15.80
6.84
6.50
6.83
11.40
6.74
4.56
-0.09
645.00
4.00
14.76
13.22
1.54
1.13
(8)
6.04
68.76
31.10
99.86
90.12
23.13
31.23
37.66
91.81
21.17
8.43
2.48
0.91
1.60
61.81
13.06
10.56
0.69
8.15
1.79
1.07
16.76
6.52
0.81
6.42
10.98
5.71
4.56
-0.70
771.00
5.00
15.39
12.42
2.97
0.39
(7)
7.46
68.70
33.53
102.22
85.08
22.01
41.97
45.45
93.41
22.53
9.72
3.32
1.35
2.03
60.87
14.67
11.17
0.68
7.00
2.64
1.51
16.27
7.40
12.26
7.41
12.47
7.90
5.06
0.49
679.25
6.43
16.05
15.33
0.72
0.34
(8)
7.90
71.20
30.06
101.27
85.67
24.97
43.48
45.61
92.62
12.88
9.01
3.02
1.39
1.86
62.21
14.76
11.15
0.47
5.24
2.54
1.54
17.27
6.99
0.01
6.96
11.50
7.58
4.54
0.62
870.16
8.14
15.54
14.86
0.68
0.24
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2009

NEW PRIVATE SECTOR BANKS
Axis Bank
As on March 31
Development Credit
Bank
Ratios
2009
25. Cost of funds
2010
(9)
(10)
8.02
6.70
69.48
73.85
39.47
39.61
108.96 113.46
79.46
78.22
43.15
46.73
28.14
28.69
70.78
71.76
86.56
84.54
38.66
38.91
8.42
7.09
2.87
3.05
2.25
2.40
2.22
2.26
34.91
33.85
9.97
12.14
7.27
8.06
-0.03
-0.14
-0.36
-2.03
2.90
3.19
1.44
1.67
19.12
19.15
6.06
4.42
2.70
0.91
5.74
4.03
10.57
8.59
7.63
6.70
4.83
4.57
1.88
2.68
1060.00 1111.00
10.00
12.00
13.69
15.80
9.26
11.18
4.43
4.62
0.40
0.40
2009
2010
(9)
6.17
70.46
34.90
105.36
78.19
31.01
41.89
68.46
70.53
21.84
9.54
2.92
1.78
3.58
43.15
15.14
13.65
1.80
18.90
1.11
-1.25
-14.27
7.49
6.72
7.43
13.47
6.71
6.04
-0.72
379.00
-4.00
13.30
11.50
1.80
3.88
(10)
6.09
72.27
42.15
114.42
78.01
35.36
42.13
55.21
76.33
21.75
7.61
2.35
1.77
3.32
43.85
16.99
15.54
1.55
20.40
0.80
-1.30
-13.08
6.00
4.60
5.87
10.69
5.23
4.82
-0.65
515.00
-5.00
14.85
11.93
2.92
3.11
COMMERCIAL BANKS : 2009 AND 2010

(in per cent)
As on March 31
HDFC Bank
ICICI Bank
2009
2010
2009
2010
(9)
9.47
69.24
41.19
110.43
77.92
44.37
30.12
73.25
76.82
11.32
10.32
4.69
2.08
3.50
40.45
15.50
11.41
1.42
13.73
3.27
1.28
17.17
6.58
12.86
6.92
14.96
7.41
8.04
0.49
446.00
4.18
15.69
10.58
5.11
0.63
(10)
9.25
75.17
35.01
110.18
75.25
52.03
35.09
75.88
73.26
12.89
7.97
4.13
1.88
2.84
39.71
16.89
11.46
0.96
12.10
3.17
1.53
16.30
4.51
6.75
4.66
10.77
6.78
6.11
2.12
590.00
5.98
17.44
13.26
4.18
0.31
(9)
8.03
99.98
47.20
147.18
57.57
28.70
28.42
82.38
72.85
38.49
7.98
2.15
1.95
1.81
27.99
6.62
5.10
-0.14
-1.80
2.29
0.98
7.80
6.82
2.52
5.72
10.06
6.90
4.33
1.18
1154.00
11.00
15.53
11.84
3.69
2.09
(10)
13.62
89.70
59.84
149.54
55.59
41.69
29.79
83.44
74.92
43.42
6.92
2.19
2.01
1.58
32.86
8.21
5.80
-0.44
-6.29
2.62
1.13
7.96
5.48
1.28
4.18
8.70
5.77
4.51
1.59
1029.00
12.00
19.41
13.96
5.45
2.12
25. Cost of funds
vestments
argin)
IndusInd Bank
As on March 31
Kotak Mahindra Bank
Yes Bank
2009
2010
2009
2010
2009
2010
(9)
5.39
71.33
36.56
107.89
80.07
19.24
35.31
58.94
92.18
22.09
9.08
1.80
1.79
2.15
34.21
7.81
6.77
0.36
3.93
1.45
0.58
9.84
7.66
6.13
7.53
12.56
6.57
5.03
-0.96
836.00
3.49
12.55
7.65
4.90
1.14
(10)
7.86
76.94
38.94
115.88
75.52
23.67
30.79
57.80
86.19
18.04
8.60
2.81
1.76
2.34
39.48
11.37
8.91
0.58
6.74
2.24
1.14
17.25
6.39
1.25
5.69
11.63
6.05
5.95
0.36
837.46
6.51
15.33
9.65
5.68
0.50
(9)
6.36
106.27
58.23
164.51
54.49
32.72
37.76
83.84
74.36
10.54
10.75
5.33
0.96
4.20
48.78
21.28
17.48
3.24
30.11
2.09
1.03
7.36
6.84
3.71
6.00
15.50
6.12
9.50
0.12
347.00
3.00
20.01
16.13
3.88
2.39
(10)
8.73
86.97
52.38
139.36
63.81
31.24
32.69
79.33
80.39
22.56
9.84
5.62
1.90
3.60
49.06
22.56
15.02
1.70
17.24
3.92
1.72
13.29
4.96
3.09
4.50
13.51
6.72
9.01
2.22
487.00
7.00
18.35
15.42
2.93
1.73
(9)
7.90
76.71
44.02
120.72
70.61
8.73
27.23
76.37
46.65
34.24
10.04
2.55
2.19
2.10
52.09
11.41
8.94
-0.09
-0.92
2.65
1.59
20.65
8.34
10.80
8.67
13.63
8.18
4.96
-0.49
988.36
11.38
16.60
9.50
7.10
0.33
(10)
7.45
82.81
38.10
120.91
73.66
10.52
20.24
78.50
45.22
33.53
7.99
2.66
1.94
1.69
51.36
12.34
8.72
-0.25
-3.18
2.91
1.79
20.27
5.83
7.16
6.05
10.24
6.76
4.19
0.71
1526.70
15.75
20.60
12.90
7.70
0.06
TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANK

FOREIGN BANKS
AB Bank
As on March 31
Abu Dhabi
American Express
Commercial Bank
Banking Corp.
Ratios
2009
(1)
5.24
92.12
35.10
127.22
38.31
78.23
36.93
53.73
10.07
3.49
5.69
4.79
9.50
5.19
23.77
20.25
8.11
-4.32
-75.93
9.10
4.75
7.91
1.70
0.00
25. Cost of funds
2.32
11.68
6.15
9.36
3.83
215.69
14.06
50.67
49.97
0.70
6.67
2010
2009
2010
2009
2010
(2)
6.26
50.95
47.16
98.12
38.33
95.00
45.17
45.46
14.76
21.03
3.91
3.40
14.75
7.94
15.45
14.51
6.58
-6.81
-174.20
10.20
5.58
9.21
1.15
0.00
1.34
10.16
4.03
8.82
2.69
204.63
17.46
30.01
29.61
0.40
7.68
(3)
10.92
27.00
38.28
65.28
77.60
42.66
24.93
15.16
98.84
25.98
7.76
4.51
0.86
2.13
41.12
16.30
10.18
1.27
16.38
3.24
2.40
14.22
4.24
3.15
4.20
11.74
6.73
7.54
2.53
1759.98
41.96
47.57
46.67
0.90
-
(4)
6.41
29.14
47.00
76.14
77.42
38.11
23.95
20.12
97.96
26.87
6.18
3.16
0.49
1.97
52.74
20.85
15.61
1.48
23.98
1.68
1.13
6.00
3.87
0.00
3.89
8.46
4.58
4.57
0.68
1542.63
18.60
44.79
43.81
0.98
0.19
(5)
11.56
210.71
64.69
275.41
27.11
0.15
0.08
6.36
-0.31
27.52
30.79
27.23
22.38
24.74
3.27
51.42
-3.58
-7.92
-21.80
8.67
55.13
19.06
8.51
8.55
-10.55
-10.50
133.83
21.34
20.09
1.25
4.34
(6)
8.72
153.73
38.90
192.62
38.82
0.07
0.04
4.76
2.36
23.46
23.96
26.84
24.40
22.79
0.51
10.68
1.85
-4.24
-10.46
5.73
9.00
6.17
7.21
3.28
1.03
-2.89
137.58
19.10
17.85
1.25
1.59
COMMERCIAL BANKS (in per cent)
1
American Express
Banking Corp.
Antwerp Diamond Bank
2010
2009
2010
(6)
8.72
153.73
38.90
192.62
38.82
0.07
0.04
4.76
2.36
23.46
23.96
26.84
24.40
22.79
0.51
10.68
1.85
-4.24
-10.46
5.73
9.00
6.17
7.21
3.28
1.03
-2.89
137.58
19.10
17.85
1.25
1.59
(7)
23.78
867.21
265.96
1,133.16
8.34
76.88
99.92
0.08
99.92
5.52
2.95
1.53
0.97
42.79
11.73
5.89
-0.56
-10.08
3.50
1.64
7.39
1.24
3.62
3.33
5.66
7.28
2.33
3.96
3371.97
70.76
26.79
26.44
0.35
3.35
(8)
24.32
781.53
340.95
1,122.48
8.11
74.65
99.85
0.15
99.92
4.10
3.14
1.83
1.29
40.53
23.24
8.81
-0.54
-13.11
3.68
-0.25
-0.87
2.12
1.14
1.25
4.50
4.15
3.25
2.90
1955.63
-7.88
33.72
33.46
0.26
14.32
Bank
Internasional
deposits
total
investments
11. Ratio
of interest income to total assets
Interest
Margin)
13. Ratio
of non-interest income to total assets
25. Cost of funds
As on March 31
Bank of America
2009
2010
2009
(9)
100.00
0.30
0.30
1.49
0.73
-0.76
-253.49
1.06
0.94
0.96
8.17
501.34
501.34
-
(10)
100.00
1.17
1.17
-0.12
0.32
0.43
37.21
0.73
0.62
0.63
203.91
531.80
531.80
-
(11)
7.99
80.54
88.09
168.63
42.32
77.70
34.32
0.09
11.08
9.27
6.76
5.07
4.38
1.95
45.93
24.60
8.04
-2.43
-35.95
7.49
3.42
13.06
2.25
2.15
2.22
11.28
6.10
9.06
3.88
2430.57
110.85
12.73
11.23
1.50
-
As on March 31
Bank of America
Bank of Bahrain &

Kuwait
Bank of Ceylon
2010
2009
2010
2009
2010
(12)
14.91
66.14
152.68
218.82
40.73
55.44
32.55
0.53
7.76
19.45
4.88
3.28
4.23
2.09
51.99
29.50
11.94
-2.13
-43.79
5.42
2.60
11.99
3.01
0.16
1.85
7.60
4.80
5.75
2.95
3101.97
121.26
15.49
14.97
0.52
-
(13)
6.26
60.78
31.58
92.36
77.39
19.92
24.41
23.52
89.64
8.51
4.13
2.60
2.95
44.13
17.76
11.70
0.35
4.06
3.79
3.14
17.86
5.02
11.73
5.19
12.31
8.30
7.12
3.11
616.00
14.00
25.52
24.47
1.05
0.09
(14)
8.13
75.07
42.75
117.82
74.38
31.92
30.98
16.95
85.80
28.98
6.23
2.15
1.56
2.58
43.09
16.73
14.30
1.02
16.40
1.13
0.38
2.42
5.15
0.74
4.92
9.09
5.13
4.16
0.20
850.00
2.00
25.01
24.45
0.56
1.95
(15)
4.04
52.44
35.71
88.15
45.68
40.67
38.33
24.89
98.17
7.87
6.03
8.77
1.83
32.65
16.28
3.58
-6.95
-88.28
12.98
10.23
28.00
3.52
3.35
14.11
7.01
10.76
3.66
488.00
73.00
45.18
44.11
1.07
-
(16)
13.37
44.02
68.03
112.05
45.08
33.00
59.59
18.48
99.36
47.23
5.83
3.91
3.10
1.81
36.46
17.69
7.40
-1.29
-22.13
5.20
2.73
6.69
4.22
4.16
12.88
5.24
8.72
1.08
444.00
18.00
50.85
49.49
1.36
-
deposits
investments
Margin)
25. Cost of funds
Bank of Nova Scotia
As on March 31
Bank of TokyoMitsubishi, UFJ
Barclays Bank
2009
2010
2009
2010
2009
2010
(17)
8.73
161.48
58.01
219.49
42.54
9.55
36.59
3.52
53.93
3.94
7.76
2.48
2.44
0.83
30.53
4.16
2.49
-1.61
-20.69
4.09
2.04
19.49
7.50
4.03
5.94
8.52
7.84
2.58
1.89
3890.97
78.39
12.70
9.75
2.95
-
(18)
10.93
146.81
55.63
202.45
45.72
8.99
28.72
3.95
55.21
9.16
5.83
3.34
1.83
0.63
42.07
8.48
3.45
-1.21
-20.70
4.55
2.79
20.70
3.54
1.16
2.40
6.98
4.25
4.58
1.85
3750.43
101.43
13.15
11.03
2.12
-
(19)
11.82
144.09
42.15
186.24
45.66
39.59
26.75
25.10
22.51
7.84
3.51
1.56
1.01
45.84
8.69
4.95
-0.54
-6.95
4.05
1.49
5.77
6.74
2.74
5.26
9.04
9.30
3.78
4.03
3107.91
41.57
29.51
28.80
0.71
-
(20)
9.74
152.21
65.48
217.69
39.27
56.27
36.50
15.47
23.82
5.05
2.56
1.52
1.00
40.89
11.72
6.22
-0.52
-10.36
3.09
1.31
4.17
4.18
0.38
2.98
6.44
3.20
3.45
0.22
3069.80
40.70
68.16
67.40
0.76
-
(21)
3.97
84.50
63.14
147.64
60.35
2.94
19.77
58.70
16.84
38.55
12.12
6.29
3.51
5.31
29.67
14.15
10.09
1.80
14.89
4.49
0.16
0.61
9.24
4.88
8.68
17.29
8.18
8.61
-0.50
1110.13
1.96
17.07
16.62
0.45
4.59
(22)
6.07
65.81
92.62
158.43
53.98
4.08
30.75
51.33
30.93
41.30
7.90
4.58
0.71
3.72
41.69
22.00
17.98
3.01
38.02
1.57
-3.12
-10.54
5.51
0.41
4.50
13.38
4.52
8.88
0.02
1113.76
-42.26
16.99
16.47
0.52
5.15
BNP Paribas
2009
(23)
10.60
110.64
106.22
216.86
34.12
36.85
32.34
62.47
42.57
4.57
7.31
4.18
2.79
2.22
47.11
19.57
10.36
-0.57
-7.81
4.76
2.13
11.84
3.94
5.28
4.54
10.11
8.14
5.57
3.60
2035.00
49.00
12.37
8.38
3.99
0.86
2010
(24)
8.73
68.67
73.99
142.67
57.80
30.13
42.15
64.20
59.66
25.79
6.08
4.59
2.02
2.48
42.76
26.72
13.06
0.45
7.43
4.14
2.05
10.34
2.59
1.22
2.11
7.59
6.72
5.48
4.61
2776.00
55.00
15.78
10.89
4.89
-
As on March 31
Citibank
Chinatrust Commercial
Bank
deposits
total
investments
11. Ratio
of interest income to total assets
Interest
Margin)
13. Ratio
25. Cost of funds
Credit Agricole Bank
2009
2010
2009
2010
2009
(25)
15.23
244.27
21.73
266.00
31.49
50.74
37.58
27.74
84.50
9.33
6.10
1.53
4.31
35.22
20.13
13.99
2.79
29.86
3.31
2.91
6.98
5.16
6.77
5.68
11.84
7.21
6.16
1.52
675.00
18.00
45.40
44.75
0.65
-
(26)
14.40
177.94
14.54
192.48
46.89
15.31
34.12
36.50
72.08
7.75
6.39
1.65
5.67
30.73
24.79
18.52
4.01
51.80
2.38
1.34
2.79
3.03
3.99
3.11
9.15
4.78
6.05
1.68
963.00
10.00
31.12
30.70
0.42
1.39
(27)
6.35
77.25
47.45
124.70
49.09
47.48
29.37
72.18
52.98
4.64
7.23
4.67
3.79
2.74
34.04
17.56
8.45
-1.05
-14.55
5.72
2.12
20.83
3.91
2.42
3.56
12.61
7.57
9.04
4.01
1880.10
45.12
13.23
12.42
0.81
2.63
(28)
6.24
67.32
51.62
118.94
57.02
51.50
36.20
72.40
55.63
2.17
6.05
4.04
1.59
2.35
37.17
20.02
11.42
0.76
12.57
3.28
0.96
6.87
3.15
1.03
2.67
10.50
6.81
7.82
4.14
1979.89
18.32
18.14
17.27
0.87
2.14
(29)
9.92
215.44
492.57
708.00
12.37
20.65
38.18
20.97
38.87
18.86
6.20
3.09
4.56
1.78
57.86
21.08
9.58
-2.78
-44.82
5.87
4.10
17.68
3.10
4.18
3.92
10.10
5.94
6.18
2.02
2105.00
130.00
13.20
9.80
3.40
-
31
As
Credit Agricole Bank
DBS Bank
2010
2009
2010
(30)
15.93
209.59
386.70
596.28
15.09
23.78
50.93
24.14
64.15
27.66
4.82
3.34
3.51
1.17
52.92
23.40
7.46
-2.33
-48.35
5.67
1.70
6.94
3.81
1.14
1.60
6.41
4.91
4.81
3.30
2983.00
71.00
19.50
14.70
4.80
6.18
(31)
5.41
45.21
129.68
174.89
47.94
5.48
41.23
20.91
61.00
49.82
7.47
2.91
2.79
1.52
55.52
13.89
8.24
-1.27
-16.99
4.18
2.72
20.38
4.03
7.77
5.47
9.39
6.54
3.93
1.08
1662.32
72.16
15.70
10.27
5.43
0.55
(32)
6.46
48.30
121.34
169.64
52.42
7.14
45.42
27.04
69.97
48.53
6.19
3.96
1.09
1.18
43.74
15.11
7.08
0.09
1.44
3.87
2.38
17.59
2.86
2.21
2.59
8.20
6.58
5.61
3.99
2554.50
64.75
16.96
11.14
5.82
1.00
Deutsche Bank
2009
(33)
11.75
62.19
61.53
123.72
56.69
70.28
total
deposits
7. Ratio
of priority sector advances to total
33.03
advances
51.33
27.32
20.70
securities
investments
11. Ratio to
oftotal
interest
income to total assets
7.58
5.21
Interest
Margin)
13. Ratio
4.11
4.65
36.73
24.34
14.62
0.55
7.20
4.66
1.75
9.50
1.66
8.31
25. Cost of funds
3.21
13.31
6.99
10.11
3.79
funds
1434.10
26.90
15.25
14.62
0.63
0.88
2010
(34)
12.74
92.78
64.95
157.73
49.17
51.65
26.55
53.20
18.25
26.36
5.93
4.79
3.07
3.59
53.39
40.56
21.31
0.52
8.83
4.27
1.73
9.20
1.12
3.35
1.64
8.70
7.00
7.07
5.36
1790.76
29.80
16.45
15.77
0.68
0.79
tsche Bank
As on March 31
FirstRand Bank
HSBC
J.P.Morgan Chase
Bank
2010
2009
2010
2009
2010
2009
(34)
12.74
92.78
64.95
157.73
49.17
51.65
26.55
53.20
18.25
26.36
5.93
4.79
3.07
3.59
53.39
40.56
21.31
0.52
8.83
4.27
1.73
9.20
1.12
3.35
1.64
8.70
7.00
7.07
5.36
1790.76
29.80
16.45
15.77
0.68
0.79
(35)
(36)
37.32
395.08
4,131.01
4,526.08
1.89
0.83
0.00
100.00
0.00
0.00
2.11
1.75
4.47
20.15
73.37
72.07
224.69
15.69
742.06
-13.94
-21.45
-26.66
0.00
0.48
0.49
3.57
1.19
3.08
0.70
71.61
-106.64
74.73
74.69
0.04
-
(37)
7.43
55.21
62.34
117.55
52.81
41.30
32.76
44.62
59.55
42.61
7.42
4.30
3.17
2.57
39.84
18.01
9.69
-0.59
-7.98
4.89
1.51
13.13
4.94
4.16
4.82
13.63
8.83
8.81
4.01
961.81
16.06
15.31
14.12
1.19
1.42
(38)
7.12
42.11
74.06
116.17
61.65
47.86
34.99
38.89
57.35
32.00
5.58
3.51
2.31
2.11
42.17
21.28
11.26
-0.20
-3.59
3.71
0.88
6.94
3.22
2.77
3.17
10.36
6.76
7.19
3.59
1135.52
11.73
18.03
16.63
1.40
2.31
(39)
20.39
19.59
186.65
206.24
34.06
42.13
55.05
79.76
23.67
48.24
5.51
3.03
7.74
1.48
56.76
21.22
6.34
-6.26
-113.62
9.29
4.21
19.38
3.45
1.81
2.69
8.36
6.58
5.67
3.89
1825.28
253.63
15.90
15.38
0.52
1.27
2010
(40)
9.10
17.07
154.47 3. Investment-Deposit ratio
171.54 4. (Credit+Investment)-Deposit ratio
49.47
46.78
77.38
88.80
21.69
69.99
investments
3.89
2.29
-0.90 Margin)
1.45
60.16
28.60
29.09
2.34
60.26
-0.05
0.09
0.40
2.81
0.83
25. Cost of funds
2.04
3.34
4.15
1.29
2.11
2135.81 30. Business per employee (in Rs.lakh)
6.06
23.63
22.92
0.71
2.88
atio
ities
nk deposits to total deposits
es to total advances
ances
otal advances
pproved securities to total
al assets
o total assets (Net Interest
o total assets
o total assets
diation cost
pense
ome
ome
otal assets
o cost of funds
d to cost of funds
lakh)
h)
ces
JSC VTB Bank
As on March 31
Krung Thai Bank
Mashreqbank
Mizuho Corporate Bank
2009
2010
2009
2010
2009
2010
2009
(41)
42.16
466.73
0.00
466.73
1.83
100.00
100.00
100.00
6.03
6.03
0.12
6.15
33.38
33.38
33.37
6.03
99.98
0.00
-0.26
-0.26
8.57
8.57
0.00
73.26
317.51
317.51
-
(42)
10.05
112.42
23.58
136.00
7.16
100.00
100.00
100.00
4.48
4.48
0.23
6.59
35.46
35.46
49.51
6.35
141.68
-1.87
-1.16
-1.24
13.54
2.81
13.54
2.81
114.00
225.93
225.93
-
(43)
5.75
8.96
26.87
35.83
67.88
24.97
62.38
0.00
97.11
5.80
7.35
4.10
0.67
2.31
19.62
8.15
5.65
1.64
22.30
2.46
1.36
4.15
4.95
4.95
8.41
7.93
3.47
2.98
1,021.69
16.87
81.86
80.61
1.25
-
(44)
5.71
4.79
29.03
33.82
69.72
23.17
31.70
0.00
100.00
5.52
5.17
2.77
0.71
2.56
18.12
9.36
7.89
1.85
35.82
0.92
0.52
1.75
3.48
3.48
7.31
6.88
3.83
3.39
1,015.45
7.08
61.02
59.77
1.25
-
(45)
8.41
46.77
252.69
299.46
18.97
89.67
99.49
0.51
100.00
5.70
4.69
4.55
9.11
5.30
42.23
41.18
16.22
-3.81
-81.31
8.37
4.43
6.44
0.45
0.59
5.33
6.93
4.75
6.35
310.03
34.12
76.80
75.55
1.25
-
(46)
9.98
133.32
80.06
213.39
29.44
97.79
99.98
0.02
100.00
13.81
4.14
4.05
10.36
6.60
36.64
36.15
16.67
-3.76
-90.88
7.81
3.35
4.77
0.32
0.33
3.78
8.01
3.46
7.68
191.16
26.69
78.21
76.96
1.25
-
(47)
13.17
97.53
35.18
132.71
52.55
30.50
26.26
30.46
34.94
12.44
7.57
4.16
2.24
2.12
41.26
15.83
8.94
-0.11
-1.49
4.27
2.43
7.46
4.93
4.68
4.86
10.82
6.30
5.96
1.44
2,023.79
38.14
37.58
37.29
0.29
-
As on Ma
izuho Corporate Bank
Oman International Bank
2010
(48)
22.09
91.13
37.58
128.71
55.20
26.55
28.70
33.75
42.51
9.24
4.54
2.20
1.72
2.12
39.33
18.74
13.35
0.41
8.93
1.80
0.89
2.72
4.23
0.03
3.69
7.20
4.01
3.52
0.32
1,940.86
17.56
38.98
38.60
0.38
-
25. Cost of funds
2009
2010
(49)
5.17
1.03
50.57
51.60
47.45
30.89
90.60
100.00
0.61
3.73
1.36
0.66
1.56
28.47
11.32
10.14
0.90
24.28
0.46
1.22
1.75
4.52
3.13
4.32
4.07
6.74
-0.25
2.42
480.49
7.50
25.17
23.25
1.92
-
(50)
10.10
1.04
54.66
55.71
44.76
35.32
96.68
100.00
1.26
3.70
1.52
2.82
1.69
28.84
12.59
7.49
-1.12
-30.34
2.64
3.52
5.21
4.51
1.27
4.04
4.25
6.75
0.21
2.72
522.45
24.47
41.08
39.83
1.25
-
As on March 31
Royal Bank of Scotland
Shinhan Bank
Societe
Generale
2009
2010
2009
2010
2009
2010
(51)
7.53
104.38
67.74
172.12
53.04
44.10
39.58
45.04
52.29
3.55
9.35
5.04
3.67
4.49
50.19
25.61
17.30
0.82
8.73
4.23
0.06
0.82
4.59
3.55
4.19
12.47
6.12
8.28
1.93
1029.41
0.62
12.66
7.43
5.23
2.20
(52)
9.89
80.75
43.76
124.52
69.73
46.85
45.24
46.49
60.33
14.54
7.89
5.24
2.78
3.70
41.83
24.37
14.49
0.92
11.61
4.32
-0.40
-4.49
3.17
2.40
2.94
10.32
6.24
7.38
3.30
1158.97
-4.06
12.50
7.94
4.56
1.95
(53)
5.75
59.74
26.46
86.20
73.95
23.66
23.75
45.39
51.79
7.33
4.38
0.96
1.47
41.31
13.74
7.31
0.50
6.89
3.88
1.86
8.05
4.30
3.66
4.25
11.20
5.96
6.95
1.71
2445.00
38.58
36.80
36.35
0.45
-
(54)
6.80
69.34
28.36
97.70
65.04
51.83
33.27
49.07
58.11
6.60
4.49
1.20
1.26
36.20
13.54
5.87
0.07
0.99
4.42
2.28
9.28
3.04
0.18
2.93
9.53
4.60
6.61
1.68
2210.54
45.77
40.85
39.89
0.96
-
(55)
5.61
44.36
186.72
231.08
38.21
8.03
35.63
34.43
60.44
40.28
5.76
2.73
2.59
2.47
48.94
22.01
14.48
-0.12
-2.14
2.86
2.07
10.51
5.29
1.08
3.14
12.68
5.13
9.54
1.99
1017.00
33.83
22.47
22.08
0.39
-
(56)
5.89
49.63
213.75
263.38
35.33
8.37
30.54
28.02
72.15
23.82
4.80
2.84
0.40
2.76
53.56
31.34
28.39
2.35
49.08
0.49
0.31
1.18
4.59
0.17
2.16
7.58
4.72
5.42
2.55
1098.54
3.85
22.77
21.96
0.81
-
As on March 31
Standard Chartered Bank
Sonali Bank
investments
25. Cost of funds
2009
2010
2009
2010
(57)
6.88
25.04
11.40
36.43
81.37
89.54
78.73
4.28
15.01
0.00
3.14
1.66
10.60
7.76
59.71
50.14
33.72
-2.84
-90.34
4.50
1.98
19.55
1.22
0.00
1.22
7.45
9.80
6.23
8.57
138.45
1.29
20.31
20.10
0.21
2.55
(58)
8.42
24.68
15.76
40.44
74.42
86.40
61.25
5.25
35.36
0.00
2.44
0.92
10.61
8.49
64.57
54.74
41.99
-2.12
-86.88
3.04
1.64
11.50
1.35
0.00
1.35
7.03
9.77
5.68
8.42
89.14
1.58
20.03
19.81
0.22
3.39
(59)
6.02
89.68
37.20
126.89
42.89
43.06
25.84
38.59
50.93
9.77
6.61
3.70
3.62
2.93
42.09
21.09
12.03
-0.70
-10.57
4.40
2.87
20.45
4.98
4.47
4.89
12.30
8.77
7.41
3.88
971.43
23.82
11.56
7.99
3.57
1.37
(60)
7.89
86.22
38.34
124.56
53.82
47.49
27.56
39.73
55.42
19.12
6.07
4.16
3.03
2.59
42.35
24.38
12.04
-0.45
-7.38
4.61
3.03
19.44
3.20
1.64
2.94
10.56
8.30
7.62
5.36
1083.45
26.31
12.41
8.94
3.47
1.40
1
State Bank of
Mauritius
UBS AG
2010
2009
2010
2009
2010
(60)
7.89
86.22
38.34
124.56
53.82
47.49
27.56
39.73
55.42
19.12
6.07
4.16
3.03
2.59
42.35
24.38
12.04
-0.45
-7.38
4.61
3.03
19.44
3.20
1.64
2.94
10.56
8.30
7.62
5.36
1083.45
26.31
12.41
8.94
3.47
1.40
(61)
4.26
81.31
35.68
116.98
59.38
7.04
26.00
78.87
91.18
0.55
8.23
2.58
0.57
1.15
29.58
5.01
3.87
0.58
7.07
2.00
0.90
3.50
7.05
15.92
8.37
11.23
7.26
2.86
-1.11
2357.00
20.00
38.01
35.52
2.49
-
(62)
9.30
117.84
35.17
153.01
55.83
9.03
23.51
64.89
79.95
8.07
6.97
1.27
0.73
1.15
32.82
5.50
4.89
0.42
5.98
0.85
-0.66
-2.46
8.79
4.68
8.01
8.80
5.00
0.79
-3.01
2613.00
-14.00
34.40
31.91
2.49
4.32
(63)
2.53
2.53
8.61
54.00
54.00
183.95
8.61
340.65
-6.08
-7.98
-6.96
0.86
-109.66
229.37
229.37
-
(64)
39.19
12.25
687.47
699.72
10.79
2.21
46.76
5.54
4.39
0.74
5.30
48.70
39.99
41.08
4.56
82.25
-0.17
0.10
0.12
9.21
12.40
0.03
7.50
-12.38
-4.90
673.73
3.09
157.86
157.83
0.03
-

Table B12: Selected Ratios of Scheduled Commercial Banks: 2009 State Bank of India & Its Associates

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Table B12: Selected Ratios of Scheduled Commercial Banks: 2009 State Bank of India & Its Associates

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TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2

STATE BANK OF INDIA & ITS ASSOCIATES

D COMMERCIAL BANKS : 2009

State Bank of Indore

ANKS : 2009 AND 2010

23. Cost of deposits

Central Bank of India

23. Cost of deposits

Oriental Bank of Commerce

justed to cost of funds

Punjab and Sind Bank

TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL

TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2009 AND

Source : Annual accounts of banks.

L BANKS : 2009 AND

Jammu & Kashmir Bank

Karur Vysya Bank

SBI Comm. & In

TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2009

Source : Annual accounts of banks.

COMMERCIAL BANKS : 2009 AND 2010

TABLE B12 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANK

COMMERCIAL BANKS (in per cent)

Antwerp Diamond Bank

Bank of Bahrain &

Bank of Nova Scotia

Credit Agricole Bank

nk deposits to total deposits

pproved securities to total

o total assets (Net Interest

JSC VTB Bank

Mizuho Corporate Bank

izuho Corporate Bank

Oman International Bank

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