(per cent)

As on March 31

Ratios

ABN Amro Bank

Abu-dhabi Commercial Bank

American Express Bank

Antwrep Diamond Bank#

2002

2003

2002

2003

2002

2003

2002

2003

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

01. Cash-deposit ratio

4.40

7.27

2.85

2.50

8.69

4.12

10.82

02. Credit-deposit ratio

92.22

108.46

17.99

15.48

148.62

49.84

475.89

03. Investment-deposit ratio

43.76

59.43

77.16

75.05

99.64

45.54

128.16

04. (Credit + investment)-deposit ratio

135.98

167.89

95.15

90.52

248.26

95.37

604.05

05. Ratio of deposits to total liabilities

65.33

53.52

90.41

92.64

29.79

75.31

14.93

06. Ratio of term deposits to total deposits

62.48

52.60

95.40

93.48

38.45

77.14

10.73

07. Ratio of priority sector advances to total advances

29.50

27.17

18.97

28.91

21.56

14.46

99.61

08. Ratio of term-loans to total advances

26.74

27.61

12.05

15.17

43.36

39.97

0.35

09. Ratio of secured advances to total advances

85.70

79.21

88.11

88.99

59.41

34.36

99.92

10. Ratio of investments in non-approved securities to total investments

24.14

12.78

65.23

63.20

27.54

34.39

0.00

11. Ratio of Interest income to total assets

9.53

8.82

9.89

9.83

8.44

9.53

4.61

12. Ratio of net interest margin to total assets

4.38

4.35

0.91

0.88

2.77

3.25

3.37

13. Ratio of non-interest income to total assets

2.47

3.01

0.46

0.62

6.35

5.95

0.33

14. Ratio of intermediation cost to total assets

3.40

3.87

0.48

0.80

5.38

6.00

2.60

15. Ratio of wage bills to intermediation cost

33.84

28.43

42.00

29.18

34.10

37.09

35.60

16. Ratio of wage bills to total expenses

13.45

13.19

2.14

2.40

16.60

18.13

24.09

17. Ratio of wage bills to total income

9.58

9.30

1.96

2.24

12.41

14.39

18.76

18. Ratio of burden to total assets

0.92

0.86

0.03

0.18

-0.96

0.06

2.27

19. Ratio of burden to interest income

9.71

9.79

0.27

1.84

-11.43

0.58

49.36

20. Ratio of operating profits to total assets

3.45

3.49

0.88

0.70

3.73

3.19

1.09

21. Return on assets

1.72

1.56

0.47

0.17

0.27

0.90

0.36

22. Return on equity

18.35

17.15

15.61

5.21

3.88

-11.20

0.77

23. Cost of deposits

3.09

2.83

9.44

9.49

4.95

10.81

0.23

24. Cost of borrowings

10.73

9.06

21.26

28.03

7.31

1.65

0.28

25. Cost of funds

5.42

4.71

9.68

9.67

6.39

7.18

0.26

26. Return on advances

10.82

9.93

12.01

13.15

10.54

13.55

3.66

27. Return on investments

10.05

8.89

10.89

10.32

10.50

9.87

1.38

28. Return on advances adjusted to cost of funds

5.40

5.21

2.32

3.48

4.15

6.37

3.40

29. Return on investments adjusted to cost of funds

4.63

4.18

1.20

0.65

4.11

2.69

1.12

30. Business per employee (in Rs. lakh)

840.00

784.27

2581.00

2618.40

237.22

214.91

1252.55

31. Profit per employee (in Rs. lakh)

13.00

12.35

11.00

4.06

0.86

-2.08

5.25

32. Capital adequacy ratio

13.17

12.57

10.42

10.14

10.71

10.93

92.69

33. Capital adequacy ratio - Tier I

11.15

10.67

9.17

9.04

10.28

10.53

62.65

34. Capital adequacy ratio - Tier II

2.02

1.90

1.25

1.10

0.43

0.40

30.04

35. Ratio of net NPA to net advances

1.34

1.54

13.43

9.68

7.56

8.69

-

(per cent)

Ratios

Arab Bangladesh Bank

Bank International Indonesia

Bank Muscat International

Bank of America

2002

2003

2002

2003

2002

2003

2002

2003

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

01. Cash-deposit ratio

2.46

1.74

16.89

5.78

2.18

3.28

7.99

6.80

02. Credit-deposit ratio

55.04

37.59

160.41

204.77

71.91

72.15

153.90

213.47

03. Investment-deposit ratio

15.07

19.75

180.86

186.30

28.74

36.47

69.90

84.18

04. (Credit + investment)-deposit ratio

70.10

57.34

341.28

391.08

100.65

108.63

223.80

297.65

05. Ratio of deposits to total liabilities

46.17

50.00

6.28

10.46

74.49

79.58

36.90

31.45

06. Ratio of term deposits to total deposits

35.42

33.49

46.90

75.56

94.78

94.87

65.65

52.09

07. Ratio of priority sector advances to total advances

66.86

48.88

78.83

17.11

10.51

9.74

21.74

24.74

08. Ratio of term-loans to total advances

6.97

8.22

12.28

-

61.03

68.49

18.92

8.07

09. Ratio of secured advances to total advances

99.06

100.00

100.00

99.99

96.54

84.81

37.65

58.53

10. Ratio of investments in non-approved securities to total investments

3.26

0.00

25.62

15.01

12.99

32.12

20.68

13.35

11. Ratio of Interest income to total assets

6.65

4.77

4.14

4.50

11.33

10.61

8.58

7.07

12. Ratio of net interest margin to total assets

5.92

3.98

2.49

3.43

4.48

4.71

2.76

2.53

13. Ratio of non-interest income to total assets

2.99

3.69

1.47

0.93

1.70

1.49

2.24

1.57

14. Ratio of intermediation cost to total assets

2.02

2.28

3.75

7.29

4.20

4.67

1.65

1.46

15. Ratio of wage bills to intermediation cost

34.25

30.16

18.65

8.58

32.46

29.34

43.53

35.69

16. Ratio of wage bills to total expenses

25.12

22.41

12.95

7.48

12.33

12.95

9.63

8.69

17. Ratio of wage bills to total income

7.19

8.15

12.47

11.52

10.45

11.31

6.65

6.04

18. Ratio of burden to total assets

-0.96

-1.41

2.28

6.36

2.50

3.18

-0.59

-0.11

19. Ratio of burden to interest income

-14.49

-29.49

55.12

141.40

22.03

29.95

-6.85

-1.58

20. Ratio of operating profits to total assets

6.88

5.38

0.21

-2.94

1.99

1.53

3.34

2.64

21. Return on assets

3.03

2.78

0.23

3.75

2.56

1.95

1.68

1.73

22. Return on equity

6.05

5.93

0.26

2.41

1.44

0.84

14.23

13.69

23. Cost of deposits

1.59

1.58

10.28

6.19

4.42

3.63

7.83

4.76

24. Cost of borrowings

0.20

0.72

26.11

24.65

45.53

144.05

6.36

6.04

25. Cost of funds

1.50

1.52

12.64

8.94

6.63

5.16

7.06

5.51

26. Return on advances

8.35

9.13

6.43

9.38

16.59

15.82

9.68

7.40

27. Return on investments

10.29

4.55

14.93

14.76

6.18

4.94

9.07

8.39

28. Return on advances adjusted to cost of funds

6.85

7.61

-6.20

0.44

9.96

10.66

2.62

1.89

29. Return on investments adjusted to cost of funds

8.79

3.03

2.29

5.82

-0.45

-0.22

2.01

2.89

30. Business per employee (in Rs. lakh)

237.96

265.05

263.00

228.53

587.00

393.00

1769.00

1862.74

31. Profit per employee (in Rs. lakh)

10.91

10.50

1.00

11.98

2.00

0.65

32.00

32.76

32. Capital adequacy ratio

138.51

105.64

123.07

103.99

28.33

20.10

21.07

21.08

33. Capital adequacy ratio - Tier I

138.51

104.63

123.03

103.78

28.15

19.86

13.45

13.65

34. Capital adequacy ratio - Tier II

0.00

1.01

0.04

0.21

0.18

0.24

7.62

7.43

35. Ratio of net NPA to net advances

1.39

1.55

61.39

15.20

1.10

6.95

0.18

0.05

(per cent)

As on March 31

Ratios

Bank of Bahrain & Kuwait

Bank of Ceylon#

Bank of Nova Scotia

Bank of Tokyo

2002

2003

2002

2003

2002

2003

2002

2003

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

01. Cash-deposit ratio

6.77

3.66

12.15

8.10

3.63

4.45

5.94

6.41

02. Credit-deposit ratio

64.83

74.08

116.02

99.12

102.30

100.71

79.14

76.01

03. Investment-deposit ratio

52.70

53.51

25.56

27.27

39.31

45.03

34.57

35.53

04. (Credit + investment)-deposit ratio

117.52

127.59

141.58

126.39

141.60

145.74

113.71

111.54

05. Ratio of deposits to total liabilities

64.83

68.91

48.36

47.72

63.26

62.15

68.69

53.84

06. Ratio of term deposits to total deposits

93.03

91.66

71.41

77.77

93.45

93.10

67.88

55.82

07. Ratio of priority sector advances to total advances

19.76

16.10

63.82

68.47

37.84

39.62

0.68

1.32

08. Ratio of term-loans to total advances

51.53

54.33

14.19

5.77

57.70

66.76

20.94

25.27

09. Ratio of secured advances to total advances

77.85

88.69

98.30

94.07

84.69

87.37

67.10

66.94

10. Ratio of investments in non-approved securities to total investments

30.60

15.76

0.00

-

15.99

12.66

0.25

2.87

11. Ratio of Interest income to total assets

9.00

8.19

8.76

7.06

9.91

8.60

9.92

9.02

12. Ratio of net interest margin to total assets

1.24

1.72

4.66

3.15

2.73

2.52

5.41

4.91

13. Ratio of non-interest income to total assets

3.09

2.22

2.48

1.09

1.41

1.52

3.72

2.44

14. Ratio of intermediation cost to total assets

1.47

1.71

1.36

1.59

1.07

1.20

5.62

4.34

15. Ratio of wage bills to intermediation cost

44.86

42.52

32.18

25.40

30.39

31.73

30.49

63.87

16. Ratio of wage bills to total expenses

7.14

8.89

8.02

7.36

3.95

5.25

16.91

32.79

17. Ratio of wage bills to total income

5.45

6.99

3.89

4.97

2.88

3.78

12.57

24.20

18. Ratio of burden to total assets

-1.62

-0.51

-1.12

0.50

-0.34

-0.31

1.90

1.90

19. Ratio of burden to interest income

-18.02

-6.22

-12.81

7.08

-3.42

-3.61

19.18

21.10

20. Ratio of operating profits to total assets

2.87

2.23

5.78

2.65

3.07

2.83

3.50

3.00

21. Return on assets

1.32

1.06

0.02

0.27

1.10

0.66

4.08

2.69

22. Return on equity

12.13

8.17

0.07

0.95

14.86

7.64

25.42

10.62

23. Cost of deposits

7.74

7.10

8.21

7.69

8.48

8.32

6.06

5.86

24. Cost of borrowings

10.75

7.65

2.83

1.52

6.84

3.25

5.59

4.69

25. Cost of funds

8.51

7.22

7.38

6.32

8.00

6.90

6.02

5.78

26. Return on advances

11.64

10.49

11.97

10.12

11.00

9.51

10.92

9.34

27. Return on investments

10.21

8.56

11.72

12.08

9.76

8.80

9.58

9.71

28. Return on advances adjusted to cost of funds

3.13

3.28

4.59

3.80

3.00

2.61

4.89

3.56

29. Return on investments adjusted to cost of funds

1.70

1.34

4.34

5.76

1.76

1.90

3.55

3.93

30. Business per employee (in Rs. lakh)

802.00

787.00

815.00

644.67

1521.00

1691.41

404.00

560.87

31. Profit per employee (in Rs. lakh)

9.00

0.08

0.00

1.80

15.00

9.75

17.00

12.87

32. Capital adequacy ratio

17.03

17.19

30.94

32.29

10.12

13.38

15.36

30.21

33. Capital adequacy ratio - Tier I

16.20

16.02

30.77

31.92

9.73

12.84

15.21

20.09

34. Capital adequacy ratio - Tier II

0.83

1.17

0.17

0.37

0.39

0.54

0.15

10.12

35. Ratio of net NPA to net advances

11.40

0.00

23.88

25.98

2.72

8.64

0.00

0.09

(per cent)

As on March 31

Ratios

Barclays Bank

BNP Paribas

Chinatrust Commercial Bank

Cho Hung Bank

2002

2003

2002

2003

2002

2003

2002

2003

(25)

(26)

(27)

(28)

(29)

(30)

(31)

(32)

01. Cash-deposit ratio

5.92

2.34

7.32

7.37

6.83

5.15

3.32

6.22

02. Credit-deposit ratio

4.10

2.13

93.09

90.07

77.88

111.89

128.86

134.84

03. Investment-deposit ratio

190.59

449.08

90.88

58.11

68.56

64.99

49.64

54.43

04. (Credit + investment)-deposit ratio

194.68

451.22

183.97

148.18

146.44

176.88

178.50

189.26

05. Ratio of deposits to total liabilities

21.09

14.60

44.21

58.04

60.30

51.01

42.58

36.49

06. Ratio of term deposits to total deposits

94.18

95.37

69.59

76.11

93.19

77.61

75.02

57.21

07. Ratio of priority sector advances to total advances

19.99

2.60

30.86

30.99

22.21

33.01

0.00

0.00

08. Ratio of term-loans to total advances

39.91

97.40

57.30

49.00

66.64

60.93

56.15

41.86

09. Ratio of secured advances to total advances

93.48

83.15

43.23

62.25

85.39

96.69

99.90

100.00

10. Ratio of investments in non-approved securities to total investments

56.44

27.39

38.14

24.96

34.73

33.03

47.60

42.80

11. Ratio of Interest income to total assets

5.95

3.75

8.73

7.72

11.98

11.32

8.16

9.57

12. Ratio of net interest margin to total assets

1.21

1.10

2.17

2.42

5.57

7.06

7.04

6.59

13. Ratio of non-interest income to total assets

7.04

12.65

1.29

1.04

1.20

0.99

2.36

2.51

14. Ratio of intermediation cost to total assets

2.42

2.58

4.16

3.40

3.00

3.77

2.01

2.25

15. Ratio of wage bills to intermediation cost

54.85

53.06

42.35

39.65

32.22

30.30

34.22

30.97

16. Ratio of wage bills to total expenses

18.56

26.11

16.43

15.49

10.27

14.22

22.02

13.30

17. Ratio of wage bills to total income

10.23

8.33

17.57

15.40

7.33

9.27

6.53

5.76

18. Ratio of burden to total assets

-4.62

-10.07

2.86

2.36

1.80

2.78

-0.35

-0.26

19. Ratio of burden to interest income

-77.61

-268.47

32.81

30.58

15.02

24.53

-4.33

-2.75

20. Ratio of operating profits to total assets

5.82

11.17

-0.69

0.05

3.77

4.28

7.40

6.85

21. Return on assets

1.78

3.95

-0.94

-0.53

1.00

2.12

3.42

7.19

22. Return on equity

7.98

9.13

-17.09

-6.56

3.35

6.83

13.70

6.96

23. Cost of deposits

7.45

7.72

8.53

7.59

9.21

5.56

1.44

6.10

24. Cost of borrowings

5.88

3.31

5.52

3.75

7.42

6.22

8.36

8.05

25. Cost of funds

6.51

4.81

7.32

5.96

8.60

5.65

2.25

6.39

26. Return on advances

16.22

3.69

11.20

9.63

13.51

13.08

12.15

13.52

27. Return on investments

10.49

5.86

9.15

8.21

12.92

12.00

7.20

8.93

28. Return on advances adjusted to cost of funds

9.72

-1.12

3.88

3.67

4.92

7.43

9.91

7.13

29. Return on investments adjusted to cost of funds

3.98

1.06

1.83

2.25

4.32

6.35

4.95

2.55

30. Business per employee (in Rs. lakh)

329.00

323.68

617.86

978.62

635.34

658.05

1162.00

936.10

31. Profit per employee (in Rs. lakh)

34.00

85.82

-6.90

-4.03

5.91

12.90

41.00

78.56

32. Capital adequacy ratio

63.56

45.68

9.66

10.74

40.11

36.96

27.65

37.17

33. Capital adequacy ratio - Tier I

62.81

43.55

5.61

6.46

39.61

35.05

27.43

36.41

34. Capital adequacy ratio - Tier II

0.75

2.13

4.05

4.28

0.50

1.91

0.22

0.76

35. Ratio of net NPA to net advances

36.04

0.00

1.62

0.00

0.00

0.00

0.47

4.80

(per cent)

As on March 31

Ratios

Citibank

Credit Agricole Indosuez

Credit Lyonnais

DBS Bank

2002

2003

2002

2003

2002

2003

2002

2003

(33)

(34)

(35)

(36)

(37)

(38)

(39)

(40)

01. Cash-deposit ratio

7.63

6.95

6.57

3.76

3.13

3.27

5.20

4.75

02. Credit-deposit ratio

74.69

71.18

57.43

34.02

74.64

66.17

179.29

154.59

03. Investment-deposit ratio

39.41

39.66

66.03

53.11

34.44

63.16

93.28

61.51

04. (Credit + investment)-deposit ratio

114.10

110.83

123.46

87.13

109.07

129.33

272.57

216.10

05. Ratio of deposits to total liabilities

70.91

70.30

54.51

69.21

74.52

69.08

24.92

36.93

06. Ratio of term deposits to total deposits

69.47

66.63

80.20

65.30

96.03

96.16

97.34

89.99

07. Ratio of priority sector advances to total advances

21.93

21.25

15.74

14.59

23.41

20.75

15.44

16.16

08. Ratio of term-loans to total advances

67.23

68.57

92.26

97.30

30.93

26.28

39.55

41.11

09. Ratio of secured advances to total advances

64.82

64.73

28.66

29.83

46.48

50.07

91.68

96.07

10. Ratio of investments in non-approved securities to total investments

19.57

19.28

40.41

26.54

24.65

19.29

27.42

10.49

11. Ratio of Interest income to total assets

9.33

8.47

6.66

6.85

10.62

8.67

8.55

8.17

12. Ratio of net interest margin to total assets

3.94

4.06

1.07

1.90

1.57

1.32

3.34

4.23

13. Ratio of non-interest income to total assets

3.92

3.23

1.28

0.74

2.83

2.77

2.07

1.03

14. Ratio of intermediation cost to total assets

3.70

3.58

1.80

1.63

2.10

2.62

1.65

1.83

15. Ratio of wage bills to intermediation cost

21.46

22.55

44.61

42.67

46.70

43.92

39.88

46.43

16. Ratio of wage bills to total expenses

8.74

10.11

10.87

10.55

8.78

11.53

9.59

14.68

17. Ratio of wage bills to total income

5.99

6.90

10.12

9.13

7.28

10.06

6.19

9.20

18. Ratio of burden to total assets

-0.22

0.35

0.52

0.88

-0.73

-0.15

-0.42

0.79

19. Ratio of burden to interest income

-2.38

4.13

7.85

12.86

-6.88

-1.71

-4.94

9.70

20. Ratio of operating profits to total assets

4.16

3.71

0.54

1.02

2.30

1.46

3.77

3.43

21. Return on assets

3.60

2.88

0.99

0.36

0.30

0.60

2.01

2.01

22. Return on equity

21.35

20.27

13.82

3.22

3.10

4.61

14.94

8.44

23. Cost of deposits

6.29

5.37

2.22

1.61

9.79

9.51

6.55

2.96

24. Cost of borrowings

4.94

3.17

12.01

14.72

18.50

8.42

6.12

6.19

25. Cost of funds

6.07

5.02

6.20

5.65

10.48

9.43

6.23

4.99

26. Return on advances

12.71

11.33

8.37

8.53

11.02

10.36

13.33

11.72

27. Return on investments

8.80

7.72

9.85

10.67

12.74

9.29

10.14

9.41

28. Return on advances adjusted to cost of funds

6.64

6.32

2.18

2.88

0.54

0.93

7.10

6.73

29. Return on investments adjusted to cost of funds

2.73

2.70

3.65

5.02

2.26

-0.14

3.91

4.43

30. Business per employee (in Rs. lakh)

1566.82

1660.19

1042.48

1336.56

1671.00

1620.01

1238.00

1315.75

31. Profit per employee (in Rs. lakh)

22.14

24.26

16.00

7.00

4.00

8.39

36.00

28.10

32. Capital adequacy ratio

11.04

11.30

11.23

20.04

10.30

20.90

13.31

15.98

33. Capital adequacy ratio - Tier I

8.36

8.39

11.02

18.94

9.10

13.00

12.73

15.03

34. Capital adequacy ratio - Tier II

2.68

2.91

0.21

1.10

1.20

7.90

0.58

0.95

35. Ratio of net NPA to net advances

0.40

1.17

0.36

0.51

3.80

3.60

0.00

10.37

(per cent)

As on March 31

Ratios

Deutsche Bank

Dresdner Bank#

Hongkong & Shanghai Bank

ING Bank

2002

2003

2002

2003

2002

2003

2002

2003

(41)

(42)