IX

Definitions & Calculations

This section defines financial terms and ratios used for FY 12 data in this publication
Particulars Formulae
Total Income Total Interest Earned + Other Income
Net Profit Total Income Total Expenses
Total Expenses Total Interest expended + Operating expenses
+ Provisions and Contingencies
Total Interest Earned Interest/discount on advances/bills + Interest
from Investments + Other Interest
Total interest Expended Interest on Deposits + Interest on RBI/Other bor-
rowings + Other Interest
Net Interest Income Interest Earned Interest Expended
Total Business Total Advances + Total Deposits
Total Assets Cash in hand + Balances with RBI + Balances
with banks inside/outside India + Money at call
and short notice + Investments + Advances +
Fixed Assets + Other Assets
Average Assets (Opening Total Assets + Closing Total Assets)/2
Cash & balances Cash in hand + Balances with Banks in & outside
India + Money at call and short notice
CASA Deposits Demand Deposits + Savings Bank Deposits
Net Worth Capital + Reserves
Borrowed funds Total Borrowings + Total Deposits + Bills pay-
able
Funds Deployed Total Assets Fixed Assets Other Assets
Other Components of Assets, Liabilities, Income
and Expenditure
As per Annual Report
Return on Assets (%) As per Annual Report
(For Aggregate- [Net Profit/Total Assets]*100
Return on Advances (%) (Interest earned on advances/Advances)*100
Return on Investments (%) (Interest earned on Investments/Investments)
*100
ROE or Return on Equity (Net Profit/Net worth) *100
Net Interest Margin (%) (Net Interest Income/Average Assets)*100
Net Profit Margin (%) (Net Profit/ Total Income)*100
Cost-Income (%) Operating expenses/(Net interest income + Other
income)*100
Credit Deposit (%) (Total Advances/Total Deposits) *100
Cash Deposit (%) [(Cash in hand + Balances with RBI)/ Total
deposits]*100
Investment Deposit (%) (Total Investments/Total Deposits) *100
X
Particulars Formulae
CASA /Total Deposit or CASA Ratio (%) [(Demand Deposits + Savings Bank Deposits)/
Total Deposits] *100
Gross NPA Ratio (%) (Gross NPA/Gross Advances )*100
Net NPA Ratio Net NPA to Net Advance as per Annual Report
CRAR (%) Basel II As per Annual Report
Business/Employee As per Annual Report
Profit/Employee As per Annual Report
Burden to Total Assets (%) [(Operating expense Other Income)/Total As-
sets] *100
Burden to Interest Income (%) [(Operating expense Other Income)/Interest
Earned] *100
Interest cost (%) ( Tot al I nt er est Expended / Bor r owed
Funds)*100
Operating Expense Ratio (%) (Operating Expense / Funds deployed) *100
Cost of deposits (%) (Interest on deposits/Deposits) *100
Cost of borrowings (%) (Interest on borrowing from RBI and others/Bor-
rowings) *100
Intermediation Expenses Operating expenses as per Annual report
Wage bill or Employee expenses Payment to and provisions for employee as per
Annual report
SLR Investment Investment in Government securities + other
approved securities
Non SLR Investment Total Investments SLR Investments
Total Contingent Liability Outstanding Forward Exchange Contracts +
Guarantees given on behalf of constituents +
Acceptances & Endorsements + Other contin-
gent liabilities
Sensitive Sector Advances Capital Markets Sector Advances + Real Estate
Sector Advances + Commodity Sector Ad-
vances
Gross Yield on Earnings Assets Total Interest Earned/Earning Assets
Earnings Assets or Funds in carry Business Funds Deployed Non SLR Investments
Note: All FY11 financials and ratios used in the publication are as per RBI data