Particulars 2019 2018 2017

SBI 6.5% 6.38% 6.48%

CANARA BANK 6.73% 6.68% 7.09%
IDBI 6.89% 6.57% 7.68%
BANK OF BARODA 6.39% 6.06% 6.07%

INTEREST INCOME/TOTAL ASSETS

Interpretation: Here IDBI has the higher ratio which is said to be performing
well as higher the ratio it indicates the bank is earning the higher interest or the
proportion of interest earning assets (loans) to total assets is high or both of
these effects.

NON-INTEREST INCOME/TOTAL ASSETS

Particulars 2019 2018 2017

SBI 0.95% 1.29% 1.31%
CANARA BANK 0.94% 1.12% 1.29%
IDBI 1.03% 2.00% 1.09%
BANK OF BARODA 0.77% 0.92% 0.97%

Interpretation: Systemic risk is higher for banks with a higher ratio of non-

interest income to assets. So, BOB can be preferred as it has lower ratio
compared to other banks and thus, carries lesser risk.

OPERATING PROFIT/TOTAL ASSETS

Particulars 2019 2018 2017

SBI -0.93% -1.48% -0.92%
CANARA BANK -0.89% -1.80% -1.10%
IDBI -5.75% -4.35% -2.52%
BANK OF BARODA -0.72% -1.26% -0.77%

Interpretation: Higher the operating profit ratio the better the bank works.
Here, BOB has satisfactory performance compared to others.

OPERATING EXPENSES/TOTAL ASSETS

Particulars 2019 2018 2017

SBI 1.89% 1.73% 1.71%
CANARA BANK 1.50% 1.54% 1.45%
IDBI 1.60% 1.35% 1.42%
BANK OF BARODA 1.44% 1.41% 1.33%

Interpretation: A higher level of asset is desirable, but not higher operational

costs. Thus, a bank which is achieving lower operating costs to assets ratio on a
consistent basis is better in terms of operating efficiency. BOB and Canara
Bank are doing well

INTEREST EXPENSES/TOTAL ASSETS

Particulars 2019 2018 2017

SBI 4.19% 4.21% 4.20%
CANARA BANK 4.65% 4.71% 5.40%
IDBI 5.04% 4.96% 6.09%
BANK OF BARODA 4.00% 3.90% 4.12%

Interpretation: Higher ratio indicates a bank has a better capacity to cover its
interest expenses. Thus, amongst the following banks IDBI and CANARA
BANK are doing good.