This publication provides quick data on select important items on scheduled commercial banks, excluding regional ruralbanks, from 2006-07 to 2010-11. This is the seventh volume in the series; first volume of the series was published forthe year 2004-05.
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).
2.1.Capital, reserves & surplus, deposits, investments, advances, interest income, interest expended andoperating expenses are as in annual accounts of banks.2.2.Business (defined as deposits
advances) per employee, profit per employee, return on assets, capitaladequacy ratio (CRAR) and net non-performing assets as percentage of net advances (Net NPA ratio) arefrom ‘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 year2007-08, wherever CRAR as per Basel-II is not available CRAR as per Basel-I is given and which isindicated 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 averageof 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 advancesis defined as the ratio (in %) of interest earned on advances to average of opening and closing balancesof advances for the respective years.2.7.Wages as percentage to total expenses is computed as the ratio (in %) of payment to and provisions foremployees to total expenses.