SBI & its Associates

State Bank of India
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
11447
2291
825
205896
38371
12039
556.00
650.28
750.55
4.74
4.43
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

9185
205515
243.08
2.08

9384
198774
299.23
2.17

9632
185388
357.00
2.37

10253
179205
456.00
3.73

Capital and Reserves & surplus
Deposits
Investments
Advances

24072
367048
197098
202374

27644
380046
162534
261801

31299
435521
149149
337336

49033
537404
189501
416768

57948
742073
275954
542503

10346
143863
51089
105658

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

32428
7120
18483
10074

35980
7435
20390
11725

37242
6765
22184
11824

48950
8695
31929
12609

63788
12691
42915
15649

12742
2296
8824
2870

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.90
2.34
24.19

4.88
2.74
25.29

4.55
3.74
23.33

5.64
3.70
17.48

5.85
3.83
16.64

6.07
3.82
15.06

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

0.99
12.45
2.65

0.89
11.88
1.88

0.84
12.34
1.56

1.01
13.54
1.78

1.04
14.25
1.76

1.02
13.96
1.45

1.13
13.98
1.05

SBI & its Associates

State Bank of Bikaner & Jaipur
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)

2004-05
833
12120
220.29

2005-06
840
12089
276.85

2006-07
876
11752
355.89

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
847
857
2291
825
11421
11439
38371
12039
445.45
555.39
650.28
750.55

Profit per employee (in Rs. lakh)

1.69

1.20

2.57

2.73

3.55

4.43

5.60

Capital and Reserves & surplus
Deposits
Investments
Advances

1298
19038
8362
12036

1406
21694
7932
15896

1654
28480
8735
20526

1713
34108
10498
25076

2046
39224
10999
29851

10346
143863
51089
105658

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

1741
483
872
622

1966
248
973
760

2374
493
1435
753

3052
472
2113
750

3810
577
2707
787

12742
2296
8824
2870

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.80
3.92
27.79

4.46
4.12
28.52

5.20
4.20
21.79

6.17
3.96
15.61

6.81
4.08
13.19

6.07
3.82
15.06

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

0.88
12.60
1.61

0.53
12.08
1.18

1.00
12.89
1.09

0.87
12.51
0.83

0.92
13.18
0.85

1.02
13.96
1.45

1.13
13.98
1.05

SBI & its Associates

State Bank of Hyderabad
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
1022
2291
825
12577
38371
12039
839.82
650.28
750.55
4.87
4.43
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

943
13107
339.74
1.91

958
13108
414.34
3.26

990
12880
473.64
3.92

993
12813
599.08
4.35

Capital and Reserves & surplus
Deposits
Investments
Advances

1765
28930
14559
15600

2114
34025
14256
20863

2541
41503
13919
28109

2694
50108
16027
35849

3208
62449
20982
43679

10346
143863
51089
105658

4708
51970
18542
38389

2325

2749

3362

4403

5709

12742

4972

Interest income

Other income
Interest expended
Operating expenses

422
1363
671

459
1655
816

584
2135
809

677
3290
799

769
4243
933

2296
8824
2870

960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.87
3.22
19.53

4.99
3.16
21.51

5.37
3.67
16.71

6.86
2.98
11.47

6.88
3.69
10.67

6.07
3.82
15.06

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

0.79
11.74
0.61

1.13
12.08
0.36

1.14
12.51
0.22

1.00
12.35
0.16

0.91
11.53
0.38

1.02
13.96
1.45

1.13
13.98
1.05

SBI & its Associates

State Bank of Indore
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
469
2291
825
6285
38371
12039
701.53
650.28
750.55
4.44
4.43
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

456
6454
293.88
2.07

455
6647
367.97
2.09

468
6517
476.67
2.91

459
6272
604.37
3.73

Capital and Reserves & surplus
Deposits
Investments
Advances

904
13807
5898
9041

1018
16661
5112
11876

1177
19976
5992
15351

1316
24699
7681
18224

1564
28332
8051
21612

10346
143863
51089
105658

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

1110
178
608
328

1323
245
781
397

1659
264
1124
410

2226
311
1654
431

2713
350
1979
460

12742
2296
8824
2870

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.54
3.51
20.87

4.61
3.48
18.18

5.43
3.35
14.59

6.49
3.61
10.51

6.63
3.94
10.43

6.07
3.82
15.06

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

0.92
11.61
1.00

0.76
11.40
1.83

0.87
11.77
1.04

0.88
11.29
0.73

0.88
13.46
0.89

SBI & its Associates

1.02
13.96
1.45

1.13
13.98
1.05

State Bank of Mysore
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks Average
2008-09
2008-09
664
2291
825
9671
38371
12039
602.00
650.28
750.55
3.48
4.43
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

640
9564
203.54
2.16

648
9741
290.00
2.22

658
9666
398.00
2.60

651
9720
495.00
3.28

Capital and Reserves & surplus
Deposits
Investments
Advances

756
13585
5796
8781

935
16369
5694
11754

1141
22022
6990
16466

1378
27462
8403
21027

2271
32916
11378
25616

10346
143863
51089
105658

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

1174
380
623
479

1347
336
735
509

1776
350
1093
562

2494
422
1732
617

3247
480
2409
665

12742
2296
8824
2870

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.69
4.01
30.00

4.51
4.00
23.78

5.01
3.99
19.19

6.09
4.07
14.37

6.50
4.34
12.51

6.07
3.82
15.06

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

1.25
12.08
0.92

1.23
11.37
0.74

1.10
11.47
0.45

1.08
11.73
0.43

0.91
13.38
0.50

1.02
13.96
1.45

1.13
13.98
1.05

SBI & its Associates

State Bank of Patiala
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

754
11595
361.15
2.48

763
11350
493.01
2.66

792
11329
599.54
3.24

802
11175
759.82
3.70

848
11365
910.24
4.68

2291
38371
650.28
4.43

825
12039
750.55
5.60

Capital and Reserves & surplus
Deposits
Investments
Advances

2045
26496
12312
15359

2235
33778
12678
22180

2488
39184
12358
28770

2709
48571
14375
36400

3134
60006
17029
43634

10346
143863
51089
105658

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

2133
356
1157
479

2462
347
1465
612

3065
443
2060
659

4310
596
3420
707

5804
632
4676
794

12742
2296
8824
2870

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.62
3.28
17.98

4.66
3.37
17.92

5.13
3.59
14.72

6.88
3.31
9.32

7.80
3.45
8.12

6.07
3.82
15.06

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

0.91
14.21
1.23

0.73
13.67
0.99

0.77
12.38
0.83

0.83
13.56
0.60

0.83
12.60
0.60

1.02
13.96
1.45

1.13
13.98
1.05

SBI & its Associates

State Bank of Travancore
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

681
11828
346.25
2.21

703
11642
381.19
2.34

718
11019
506.13
2.96

713
11423
558.65
3.40

Capital and Reserves & surplus
Deposits

1130
24133

1332
25997

1599
30984

1718
35354

2008-09 Group Average All Banks' Average
2008-09
2008-09
730
2291
825
11365
38371
12039
657.75
650.28
750.55
5.36
4.43
5.60
2250
42042

10346
143863

4708
51970

Investments
Advances

10592
14848

10630
18866

9718
24630

11353
28137

13232
32711

51089
105658

18542
38389

Interest income
Other income
Interest expended
Operating expenses

2008
409
1112
503

2299
351
1343
632

2691
364
1698
645

3434
439
2477
687

4123
573
2841
799

12742
2296
8824
2870

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.76
3.03
20.90

4.89
3.01
20.49

4.96
3.70
17.50

6.11
3.73
13.14

6.21
4.22
13.40

6.07
3.82
15.06

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

0.86
11.05
1.81

0.86
11.15
1.47

0.86
11.68
1.08

0.89
13.53
0.94

1.30
14.03
0.58

1.02
13.96
1.45

1.13
13.98
1.05

Nationalised Banks

Allahabad Bank
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
2217
1968
825
20457
23303
12039
706.00
778.06
750.55
3.75
4.83
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

2027
18917
282.00
2.86

2047
19134
336.00
3.69

2140
20379
495.00
3.68

2136
20079
604.00
4.85

Capital and Reserves & surplus
Deposits
Investments
Advances

2328
40762
18988
21151

3639
48500
17985
29148

4477
59544
18746
41290

5221
71616
23400
49720

5852
84972
29651
58802

6794
105285
32752
76027

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

3186
640
1822
1070

3767
482
2190
1036

4884
376
3133
1027

6171
965
4499
1158

7365
1142
5206
1399

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.88
4.34
23.53

4.74
3.97
21.12

5.57
3.65
14.92

6.50
3.30
12.20

6.21
3.91
13.23

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

1.33
12.53
1.28

1.42
13.37
0.84

1.26
12.52
1.07

1.32
11.99
0.80

0.90
13.11
0.72

1.03
13.24
0.68

1.13
13.98
1.05

Nationalised Banks

Andhra Bank
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

1162
13108
346.25
3.97

1184
14028
426.75
3.69

1230
12981
536.06
4.14

1364
13387
626.53
4.30

1425
14255
728.29
4.58

1968
23303
778.06
4.83

825
12039
750.55
5.60

Capital and Reserves & surplus
Deposits
Investments
Advances

1837
27551
10646
17517

2894
33922
11444
22100

3156
41454
14301
27889

3249
49437
14898
34238

3647
59390
16911
44139

6794
105285
32752
76027

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

2282
753
1213
829

2675
392
1506
858

3315
447
1898
933

4290
581
2870
944

5375
765
3748
1104

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.45
4.55
26.42

4.57
4.33
20.85

4.82
4.40
19.39

6.12
4.11
13.35

6.52
4.24
12.86

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

1.59
12.11
0.28

1.38
14.00
0.24

1.31
11.33
0.17

1.16
11.61
0.15

1.09
13.22
0.18

1.03
13.24
0.68

1.13
13.98
1.05

Nationalised Banks

Bank of Baroda
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

2775
39529
316.00
1.71

2777
38774
396.00
2.13

2812
38604
555.00
2.73

2845
37260
710.00
3.94

Capital and Reserves & surplus
Deposits

5628
81333

7844
93662

8650
124916

11044
152034

2008-09 Group Average All Banks' Average
2008-09
2008-09
2916
1968
825
36838
23303
12039
914.00
778.06
750.55
6.05
4.83
5.60
12836
192397

6794
105285

4708
51970

Investments
Advances

37074
43400

35114
59912

34944
83621

43870
106701

52446
143986

32752
76027

18542
38389

Interest income
Other income
Interest expended
Operating expenses

6431
1313
3452
1980

7050
1127
3875
2385

9004
1382
5427
2544

11813
2051
7902
3034

15092
2758
9968
3576

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.18
3.17
25.41

4.03
3.28
24.34

4.58
3.69
20.63

5.33
3.51
17.41

5.36
3.58
17.34

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

0.75
12.61
1.45

0.79
13.65
0.87

0.80
11.80
0.60

0.89
12.93
0.47

1.09
14.05
0.31

1.03
13.24
0.68

1.13
13.98
1.05

Nationalised Banks

Bank of India
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
2934
1968
825
40155
23303
12039
833.00
778.06
750.55
7.49
4.83
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

2670
42220
320.00
0.80

2687
42206
381.00
1.66

2760
41511
498.00
2.71

2846
40557
652.00
4.95

Capital and Reserves & surplus
Deposits
Investments
Advances

4465
78821
28686
55529

4984
93932
31782
65174

5895
119882
35493
85116

10589
150012
41803
113476

13495
189708
52607
142909

6794
105285
32752
76027

4708
51970
18542
38389

6032
1156
3795
1932

7029
1184
4397
2115

8936
1563
5496
2608

12355
2117
8126
2645

16347
3052
10848
3094

9212
1305
6584
1755

4972
960
3366
1142

Interest income
Other income
Interest expended
Operating expenses

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.29
2.84
22.06

4.18
3.40
20.40

4.55
3.96
19.92

5.37
3.97
15.38

5.79
4.00
13.90

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

0.38
11.52
2.80

0.68
10.75
1.49

0.88
11.75
0.95

1.25
12.04
0.52

1.49
13.01
0.44

1.03
13.24
0.68

1.13
13.98
1.05

Nationalised Banks

Bank of Maharashtra
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
1407
1968
825
13631
23303
12039
635.61
778.06
750.55
2.76
4.83
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

1330
14126
294.65
1.25

1336
14052
306.18
0.36

1386
13893
404.94
1.95

1365
13590
515.69
2.39

Capital and Reserves & surplus
Deposits
Investments
Advances

1543
28844
14480
13062

1572
26906
11354
16470

1742
33919
11298
22919

1782
41758
12283
29286

2517
52255
18382
34291

6794
105285
32752
76027

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

2368
385
1486
720

2474
52
1503
659

2722
265
1628
746

3440
380
2312
836

4292
500
3035
963

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.98
2.86
23.28

4.88
3.13
19.64

4.88
3.77
19.55

5.60
4.22
15.42

5.99
4.29
14.50

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR

0.54
12.68

0.16
11.27

0.76
12.06

0.75
10.85

0.72
12.05

1.03
13.24

1.13
13.98

Net NPA ratio

2.15

2.03

1.21

0.87

0.79

0.68

Nationalised Banks

1.05

Canara Bank
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
2740
1968
825
44090
23303
12039
780.17
778.06
750.55
4.97
4.83
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

2631
47389
351.12
2.48

2647
46893
441.57
3.02

2686
46359
548.76
3.24

2690
45260
609.41
3.65

Capital and Reserves & surplus
Deposits
Investments
Advances

6109
96796
38054
60421

7132
116803
36974
79426

10354
142381
45226
98506

10500
154072
49812
107238

12208
186893
57777
138219

6794
105285
32752
76027

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

7572
1544
4422
2109

8712
1316
5130
2347

11365
1451
7338
2565

14201
2213
10663
2791

17119
2311
12401
3065

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.60
3.25
21.13

4.57
3.28
20.27

5.35
3.08
16.25

6.77
2.83
12.35

6.75
3.69
12.14

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

1.01
12.78
1.88

1.13
11.22
1.12

0.98
13.50
0.94

0.92
13.25
0.84

1.06
14.1
1.09

1.03
13.24
0.68

1.13
13.98
1.05

Nationalised Banks

Central Bank of India
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

3247
38303
206.89
0.93

3252
40124
240.46
0.68

3320
39055
303.85
1.35

3325
37488
400.99
1.56

3527
35543
560.28
1.71

1968
23303
778.06
4.83

825
12039
750.55
5.60

Capital and Reserves & surplus
Deposits
Investments
Advances

3265
60752
30835
27277

3442
66483
28639
37483

3790
82776
27742
51795

5943
110320
31455
72997

6412
131272
43061
85483

6794
105285
32752
76027

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

5205
920
2830
1686

5386
531
3006
1716

6234
476
3760
1684

7884
902
5772
1746

10455
1070
8227
1862

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.63
4.32
28.29

4.53
3.47
27.02

4.78
3.42
21.59

5.76
2.73
16.15

6.59
3.19
12.61

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

0.53
12.15
2.98

0.37
11.03
2.59

0.62
10.40
1.70

0.54
9.39
1.45

0.45
13.12
1.24

1.03
13.24
0.68

1.13
13.98
1.05

Nationalised Banks

Corporation Bank
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

799
10199
438.00
3.95

862
11325
527.00
4.13

923
11880
637.00
4.79

964
12010
839.00
6.52

Capital and Reserves & surplus
Deposits

3054
27233

3375
32877

3765
42357

4229
55424

2008-09 Group Average All Banks' Average
2008-09
2008-09
1028
1968
825
12465
23303
12039
1049.00
778.06
750.55
7.64
4.83
5.60
4897
73984

6794
105285

4708
51970

Investments
Advances

10261
18546

10652
23962

14417
29950

17325
39186

24938
48512

32752
76027

18542
38389

Interest income
Other income
Interest expended
Operating expenses

2250
565
1120
667

2626
474
1400
747

3360
635
2052
804

4517
700
3073
892

6067
1107
4376
1002

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.20
3.54
17.51

4.27
3.48
16.94

4.85
3.94
13.25

5.80
3.52
10.79

6.27
3.73
8.70

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

1.12
16.23
1.12

1.24
13.92
0.64

1.17
12.76
0.47

1.29
12.09
0.32

1.24
13.61
0.29

1.03
13.24
0.68

1.13
13.98
1.05

Nationalised Banks

Dena Bank
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
1093
1968
825
9883
23303
12039
714
778.06
750.55
4.28
4.83
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

1072
10201
313.00
0.60

1057
10156
364.00
0.72

1071
10120
458.00
1.99

1071
9957
559
3.61

Capital and Reserves & surplus
Deposits
Investments
Advances

1104
20897
9697
11309

1339
23623
8571
14231

1496
27690
9235
18303

1801
33943
10283
23024

2170
43051
12473
28878

6794
105285
32752
76027

4708
51970
18542
38389

1725
311
1039
616

1760
439
1037
561

2119
392
1263
612

2676
478
1817
650

3447
430
2383
768

9212
1305
6584
1755

4972
960
3366
1142

Interest income
Other income
Interest expended
Operating expenses

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.96
3.31
25.42

4.42
3.30
22.16

4.62
3.94
20.49

5.52
3.93
15.03

5.87
4.02
14.85

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

0.26
11.91
5.23

0.29
10.62
3.04

0.71
11.52
1.99

1.06
11.09
0.94

1.02
12.07
1.09

1.03
13.24
0.68

1.13
13.98
1.05

Nationalised Banks

IDBI Bank Ltd.
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
510
1968
825
10201
23303
12039
2030.33
778.06
750.55
8.42
4.83
5.60

37
4530
1349.60
6.85

173
4548
1718.24
12.45

442
7482
1387.16
8.44

500
8253
1809.17
8.86

5926
15103
25055
45414

6372
26001
25351
52739

8300
43354
25675
62471

8822
72998
32803
82213

9424
112401
50048
103428

6794
105285
32752
76027

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

2656
627
2468
454

5381
1280
5001
859

6345
1027
5687
778

8041
1582
7364
959

11632
1390
10306
1338

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

0.62
4.19
5.39

1.58
7.40
5.44

2.68
6.42
4.38

3.97
5.06
4.62

5.14
4.83
4.89

6.18
4.01
13.14

6.05
4.43
13.52

0.78
15.51

0.68
14.80

0.67
13.73

0.67
11.95

0.62
11.57

1.03
13.24

1.13
13.98

Capital and Reserves & surplus
Deposits
Investments
Advances

Return on Assets
CRAR

Net NPA ratio

1.74

1.01

1.12

1.30

0.92

0.68

Nationalised Banks

1.05

Indian Bank
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
1611
1968
825
19993
23303
12039
617.00
778.06
750.55
6.23
4.83
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

1417
21567
246.00
1.87

1440
21394
295.00
2.36

1478
20892
364.00
3.64

1525
20548
488.00
4.91

Capital and Reserves & surplus
Deposits
Investments
Advances

5936
34809
17921
18380

2491
40806
19017
22485

3841
47091
20878
29058

5160
61046
21915
39839

7136
72582
22801
51465

6794
105285
32752
76027

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

2871
569
1567
914

3365
463
1854
1080

4195
823
2413
1247

5213
1006
3159
1400

6830
1035
4222
1415

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.65
3.85
25.69

4.61
4.09
26.36

4.97
4.93
24.01

5.46
4.71
21.22

6.15
5.00
17.38

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

1.08
14.14
1.35

1.16
13.19
0.79

1.46
14.14
0.35

1.64
12.74
0.24

1.62
13.27
0.18

1.03
13.24
0.68

1.13
13.98
1.05

Nationalised Banks

Indian Overseas Bank
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

1583
24366
269.48
2.66

1601
24178
354.73
3.22

1777
23861
467.23
4.04

1880
24947
582.70
4.82

1927
25512
689.50
5.20

1968
23303
778.06
4.83

825
12039
750.55
5.60

Capital and Reserves & surplus
Deposits
Investments
Advances

2575
44241
19015
25205

3177
50529
18952
34756

3990
68740
23974
47060

4866
84326
28475
60402

7151
100116
31215
74885

6794
105285
32752
76027

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

3951
800
2096
1159

4406
541
2339
1262

5832
387
3271
1388

7739
1037
5289
1485

9641
1596
6772
1942

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.64
4.56
25.92

4.65
4.12
24.82

4.93
4.60
19.98

6.20
4.07
14.02

6.55
4.23
14.60

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

1.28
14.20
1.27

1.32
13.04
0.65

1.36
13.27
0.55

1.30
11.93
0.60

1.17
13.20
1.33

1.03
13.24
0.68

1.13
13.98
1.05

Nationalised Banks

Oriental Bank of Commerce
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

1168
14563
512.23
6.67

1191
14962
570.26
5.37

1334
14730
742.64
5.61

1344
14804
924.38
5.84

Capital and Reserves & surplus
Deposits

3327
47850

5171
50197

5600
63996

5776
77857

2008-09 Group Average All Banks' Average
2008-09
2008-09
1422
1968
825
14656
23303
12039
1142.43
778.06
750.55
6.18
4.83
5.60
7403
98369

6794
105285

4708
51970

Investments
Advances

18342
25299

16818
33577

19808
44138

23951
54566

28489
68500

32752
76027

18542
38389

Interest income
Other income
Interest expended
Operating expenses

3572
505
2048
796

4119
553
2514
966

5165
603
3474
998

6838
617
5156
1080

8856
1071
6860
1383

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.67
3.39
13.96

4.92
3.11
14.38

5.74
2.75
11.65

6.83
2.97
8.81

7.36
3.23
9.17

6.18
4.01
13.14

6.05
4.43
13.52

2.01
9.21
1.29

1.39
11.04
0.49

1.21
12.51
0.49

1.02
12.12
0.99

0.88
12.98
0.65

1.03
13.24
0.68

1.13
13.98
1.05

Return on Assets
CRAR
Net NPA ratio

Nationalised Banks

Punjab & Sind Bank
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
858
1968
825
8700
23303
12039
655.58
778.06
750.55
5.03
4.83
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

787
9632
217.57
-0.74

825
9542
277.23
1.14

860
9324
328.59
2.34

839
9013
466.87
4.24

Capital and Reserves & surplus
Deposits
Investments
Advances

440
14171
7082
6322

1222
16925
6956
9107

1406
19319
6693
11738

2093
24831
8474
18343

2140
34676
12627
24615

6794
105285
32752
76027

4708
51970
18542
38389

1249
256
676
571

1300
120
669
483

1727
228
960
523

2249
288
1433
561

3247
408
2235
692

9212
1305
6584
1755

4972
960
3366
1142

Interest income
Other income
Interest expended
Operating expenses

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.66
5.16
36.66

4.10
4.49
31.39

5.09
4.77
25.43

5.90
4.27
21.09

6.63
4.95
17.74

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

-0.45
9.46
8.11

0.64
12.83
2.43

1.01
12.88
0.66

1.49
11.57
0.37

1.26
14.35
0.32

1.03
13.24
0.68

1.13
13.98
1.05

Nationalised Banks

Punjab National Bank
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
4323
1968
825
54780
23303
12039
654.92
778.06
750.55
5.64
4.83
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

4128
58329
276.87
2.42

4142
58047
330.92
2.48

4168
57316
407.41
2.68

4180
56025
504.52
3.66

Capital and Reserves & surplus
Deposits
Investments
Advances

8161
103167
50673
60413

9376
119685
41055
74627

10435
139860
45190
96597

12318
166457
53992
119502

14654
209760
63385
154703

6794
105285
32752
76027

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

8460
1676
4453
3278

9584
1274
4917
3023

11236
1730
6023
3326

14265
1998
8731
3525

19326
2920
12295
4206

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.31
3.58
31.35

4.03
3.88
26.64

4.24
4.69
25.16

5.31
4.35
20.08

6.05
4.62
17.72

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR

1.17
14.78

1.09
11.95

1.03
12.29

1.15
13.46

1.39
14.03

1.03
13.24

1.13
13.98

Net NPA ratio

0.20

0.29

0.76

0.64

0.17

0.68

Nationalised Banks

1.05

Syndicate Bank
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
2246
1968
825
25068
23303
12039
750.65
778.06
750.55
3.64
4.83
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

1905
24834
280.22
1.53

2048
24624
348.64
2.05

2231
24360
489.17
2.76

2189
24656
586.02
3.18

Capital and Reserves & surplus
Deposits
Investments
Advances

2199
46295
20371
26729

2834
53624
17269
36466

3627
78634
25234
51670

4291
95171
28076
64051

5010
115885
30537
81532

6794
105285
32752
76027

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

3758
590
2064
1264

4050
562
2170
1435

6040
618
3890
1386

7906
890
5834
1495

9580
860
6978
1716

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.49
4.13
28.89

4.10
4.55
28.78

5.44
4.05
16.95

6.29
3.58
12.68

6.17
3.96
12.02

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

0.82
10.70
1.59

0.91
11.73
0.86

0.91
11.74
0.76

0.88
11.82
0.97

0.81
11.37
0.77

1.03
13.24
0.68

1.13
13.98
1.05

Nationalised Banks

UCO Bank
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

1798
24855
321.00
1.43

1815
24510
387.00
0.82

1923
24773
464.00
1.30

1952
23950
580.00
1.76

2058
23736
732.00
2.40

1968
23303
778.06
4.83

825
12039
750.55
5.60

Capital and Reserves & surplus
Deposits
Investments
Advances

2069
49470
19064
27656

2463
54544
19636
37378

2662
64860
19525
46989

2926
79909
24250
55082

3957
100222
29385
68804

6794
105285
32752
76027

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

3549
516
2140
1085

4355
374
2789
1177

5210
550
3623
1193

6509
772
5021
1306

8121
1020
6477
1463

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.61
3.35
26.64

5.01
3.08
22.19

5.33
3.06
17.30

6.27
3.05
14.14

6.61
3.40
12.56

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

0.73
11.26
2.93

0.34
11.12
2.10

0.47
11.56
2.14

0.52
10.09
1.98

0.59
18.41
1.18

1.03
13.24
0.68

1.13
13.98
1.05

Nationalised Banks

Union Bank of India
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

2139
25645
343.08
2.81

2171
26983
436.47
2.66

2286
27536
509.21
3.25

2372
27168
620.00
5.39

Capital and Reserves & surplus
Deposits

3614
61831

4558
74094

5190
85180

7348
103859

2008-09 Group Average All Banks' Average
2008-09
2008-09
2569
1968
825
29014
23303
12039
694.00
778.06
750.55
6.28
4.83
5.60
8740
138703

6794
105285

4708
51970

Investments
Advances

22793
40105

25918
53380

27982
62386

33823
74267

42997
96534

32752
76027

18542
38389

Interest income
Other income
Interest expended
Operating expenses

4970
766
2905
1257

5864
494
3489
1402

7382
687
4592
1476

9447
1087
6361
1593

11889
1483
8076
2214

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.74
3.58
19.37

4.61
3.43
17.72

5.16
3.60
14.40

6.12
3.73
10.63

6.15
4.27
11.19

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

1.10
12.09
2.64

0.84
11.41
1.56

0.92
12.80
0.96

1.26
12.51
0.17

1.27
12.01
0.34

1.03
13.24
0.68

1.13
13.98
1.05

Nationalised Banks

United Bank of India
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
1445
1968
825
15111
23303
12039
585.00
778.06
750.55
1.22
4.83
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

1345
17493
208.00
1.72

1353
17319
254.00
1.18

1361
16793
350.00
1.59

1399
16009
463.00
1.99

Capital and Reserves & surplus
Deposits
Investments
Advances

1957
25348
14403
11390

1829
29250
14130
15522

2415
37167
14602
22156

2661
46971
18515
27858

3078
54536
17924
35394

6794
105285
32752
76027

4708
51970
18542
38389

2133
478
1218
704

2360
437
1340
814

2825
348
1675
778

3557
465
2653
903

4312
491
3150
975

9212
1305
6584
1755

4972
960
3366
1142

Interest income
Other income
Interest expended
Operating expenses

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.97
3.70
25.90

4.72
3.85
29.18

4.80
3.98
22.72

5.85
3.13
18.04

5.78
3.72
15.94

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

1.04
18.16
2.43

0.66
13.12
1.95

0.73
12.02
1.50

0.68
11.24
1.10

0.34
13.28
1.48

1.03
13.24
0.68

1.13
13.98
1.05

Nationalised Banks

Vijaya Bank
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
1101
1968
825
11975
23303
12039
756.00
778.06
750.55
2.34
4.83
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

968
11491
310.50
3.45

982
10926
369.26
1.16

1039
11330
455.17
3.04

1053
11439
612.67
3.32

Capital and Reserves & surplus
Deposits
Investments
Advances

1590
25618
12069
14336

1669
27709
11180
16664

1897
37604
12018
24224

2459
47952
16617
31689

3149
54535
17388
35468

6794
105285
32752
76027

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

2097
351
1110
538

2312
284
1339
624

2823
275
1751
651

3889
532
3058
701

5238
699
4113
925

9212
1305
6584
1755

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.51
4.53
19.22

4.63
4.03
19.30

5.05
3.57
16.33

6.62
3.05
10.77

7.26
4.14
11.86

6.18
4.01
13.14

6.05
4.43
13.52

Return on Assets
CRAR

1.43
12.92

0.45
11.94

0.92
11.21

0.75
11.22

0.59
13.15

1.03
13.24

1.13
13.98

Net NPA ratio

0.59

0.85

0.59

0.57

0.82

0.68

1.05

Foreign Banks

ABN Amro Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
10
825
1010
12039
1252.28
750.55
24.78
5.60

19
1908
823.70
10.24

23
3093
905.82
8.15

1347
7026
3331
9836

1589
11864
4825
15073

1974
15998
6407
18388

2366
18912
11777
20381

2386
15960
10811
16660

1995
7136
4345
5514

907
435
334
567

1376
612
659
748

2185
862
1038
970

3038
644
1460
1307

3120
1225
1437
1497

1011
496
427
410

2.94
4.57
19.67

3.78
4.29
18.14

3.81
6.30
16.65

3.96
7.30
19.92

4.25
8.22
25.61

4.51
8.10
19.45

1.03
10.44
0.11

1.37
11.34
0.12

0.78
12.92
0.85

0.06
12.66
2.20

1.98
14.30
1.80

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

1.27
10.55
0.35

28
28
30
3550
3871
3241
1011.88 1070.26 1029.41
11.36
7.66
0.62

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Abu Dhabi Commercial Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

2
40
1061.10
-77.24
71
1663
1257
90
150
40
138
47

2
38
1720.49
12.06
76
459
142
119

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
10
825
1010
12039
1252.28
750.55
24.78
5.60

2
2
2
36
39
39
1865.72 1772.97 1759.98
4.80
78.29
41.96
78
474
144
203

107
414
162
162

123
509
195
137

1995
7136
4345
5514

111
8
101
14

47
15
32
19

65
7
27
27

48
5
20
13

1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

7.67
-0.28
4.46

8.52
-1.33
2.82

5.06
3.78
10.22

4.73
3.42
10.90

4.20
7.54
16.30

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

-2.57
14.38
12.73

0.35
36.98
15.97

0.23
27.66
0.63

3.96
51.71
0.00

2.40
47.57
0.00

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

American Express Banking Corporation
(Amount in rupees crore)

Items

2004-05

2005-06

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
1
10
825
857
1010
12039
133.83
1252.28
750.55
0.00
24.78
5.60

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances

481
330
213
698

Interest income
Other income
Interest expended
Operating expenses

77
335
81
375

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

1995
7136
4345
5514

4708
51970
18542
38389

1011
496
427
410

38.12
-21.17
22.38

4.51
8.10
19.45

-7.92
21.34
4.34

1.98
14.30
1.80

Foreign Banks

4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Antwerp Diamond Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

1
20
2267.01
33.40
128
50
165
434
26
4
10
8

1
19
2308.40
41.22
136
53
141
422
37
5
21
7

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
1
1
1
10
825
18
19
21
1010
12039
2071.57 2618.95 3371.97
1252.28
750.55
55.63
53.54
70.76
24.78
5.60
147
54
158
375
41
7
25
6

203
80
171
476
41
8
23
6

219
81
215
700
46
13
20
8

1995
7136
4345
5514

4708
51970
18542
38389

1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

1.70
2.52
16.22

3.76
1.76
9.94

4.60
2.51
8.78

3.79
2.39
10.00

2.96
2.29
12.69

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

1.00
39.99
0.00

1.21
39.67
0.00

1.70
46.48
0.00

1.63
37.09
0.00

1.64
26.79
0.00

1.98
14.30
1.80

4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Foreign Banks

AB Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances

2004-05

45
23
8
22

Interest income
Other income
Interest expended
Operating expenses
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

2005-06

1
26
183.07
10.29

1
26
193.03
11.04
46
21
8
34

2006-07
1
27
209.48
8.80
46
25
9
33

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
1
1
10
825
26
27
1010
12039
212.37 216.67
1252.28
750.55
10.74
25.10
24.78
5.60
47
31
11
26

49
31
11
29

1995
7136
4345
5514

3
4
0
2

4
4
0
2

5
5
1
4

4
4
0
3

5
8
1
4

1011
496
427
410

1.92
4.63
24.97

1.70
6.64
23.99

2.31
6.88
16.93

1.56
7.07
21.18

2.32
9.36
20.25

4.51
8.10
19.45

2.87
109.39
0.18

3.43
86.21
0.00

3.42
100.00
0.00

6.71
43.09
9.25

8.29
50.67
6.50

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Bank International Indonesia
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances

2004-05

2005-06

1
18
154.00
-4.15
74
11
41
20

Interest income
Other income
Interest expended
Operating expenses

4
0
1
3

1
16
148.00
-7.66
75
15
16
7

2006-07
1
12
97.00
37.39
76
11
13
1

4
1
1
3

5
4
1
3

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

1.81
5.44
19.46

2.07
8.14
19.22

3.99
18.26
15.21

Return on Assets
CRAR
Net NPA ratio

-0.98
92.26
10.49

-1.28
108.87
0.00

6.52
141.24
0.00

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
1
..
10
825
3
..
1010
12039
0.00
..
1252.28
750.55
233.26
..
24.78
5.60
78
0
5
0

..
..
..
..

2
11
0
5

..
..
..
..

..
..
..

..
..
..

4.51
8.10
19.45

8.78
235.82
0.00

..
..
..

1.98
14.30
1.80

1995
7136
4345
5514
1011
496
427
410

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Bank of America
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

5
275
1707.72
29.47
1437
1993
1599
3219
257
119
128
91

5
282
1924.81
51.82
1582
2106
1664
3369
348
198
147
113

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
5
5
5
10
825
283
314
294
1010
12039
1920.89 2483.54 2430.57
1252.28
750.55
69.09 102.08 110.85
24.78
5.60
1778
2718
1886
2916
430
233
169
140

2411
4191
2878
3452
514
348
163
167

2748
4167
3670
3356
607
393
152
175

1995
7136
4345
5514
1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

3.24
1.65
19.85

4.01
2.13
21.31

4.70
2.24
25.20

3.70
4.08
27.31

2.64
8.64
24.60

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

1.46
30.07
0.00

2.41
23.40
0.00

3.10
13.33
0.00

3.76
13.45
0.00

3.42
12.73
0.00

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Bank of Bahrain & Kuwait
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

2
80
820.00
-28.00
67
394
189
264

2
68
728.00
-10.00
88
327
129
169

2006-07
2
76
704.00
-11.00
88
364
109
171

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
2
2
10
825
94
123
1010
12039
718.00 617.00
1252.28
750.55
20.00
14.00
24.78
5.60
95
395
123
280

100
472
149
287

1995
7136
4345
5514

34
2
22
13

29
5
20
12

30
5
17
11

35
9
19
12

49
15
25
17

1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

3.90
1.86
14.50

4.35
3.54
15.94

4.59
5.38
15.45

4.50
5.06
16.03

5.19
7.11
17.73

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

-3.52
11.66
5.53

-1.32
18.77
1.29

-1.90
22.00
0.12

4.08
21.61
1.51

3.14
25.58
0.09

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Bank of Ceylon
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances

2004-05

2005-06

1
33
628.76
7.95
54
104
32
59

Interest income
Other income
Interest expended
Operating expenses

8
6
5
2

1
33
587.10
1.64
55
87
30
49
10
4
4
3

2006-07
1
25
579.00
9.00
57
86
31
41
10
3
4
3

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
1
1
10
825
29
29
1010
12039
483.00 488.00
1252.28
750.55
15.00
73.00
24.78
5.60
61
74
30
41
11
4
3
3

80
86
31
45
14
15
3
3

1995
7136
4345
5514
1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.49
4.52
10.30

3.98
5.34
13.99

4.18
4.17
13.78

3.70
9.07
14.71

3.82
10.29
16.28

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

1.19
49.4
13.76

0.25
56.37
23.74

1.25
63.21
14.96

2.24
55.97
4.01

10.23
45.18
0.00

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Bank of Nova Scotia
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

2004-05
5
187
2085.17
-6.30
257
1602
895
2053
159
52
108
35

2005-06
5
189
2040.25
16.50
303
2355
981
2440
184
49
130
34

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
5
5
5
10
825
194
203
195
1010
12039
2311.12 3082.88 3890.97
1252.28
750.55
39.10
49.89
78.39
24.78
5.60
608
2079
1095
2969
257
82
179
40

708
3755
1644
4774
354
114
258
40

861
2976
1726
4805
545
171
371
59

3.71
1.32
9.17

4.22
1.18
8.21

5.16
1.63
7.06

5.11
1.58
5.67

5.94
2.58
4.16

-0.35
15.27
3.08

0.83
13.71
1.00

1.73
23.26
0.00

1.73
20.15
0.00

2.04
13.38
0.00

Foreign Banks

1995
7136
4345
5514
1011
496
427
410
4.51
8.10
19.45
1.98
14.30
1.80

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Bank of Tokyo Mitsubishi UFJ
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances

2004-05

2005-06

3
156
663.58
6.45

3
159
1113.29
0.20

369
532
342
559

595
784
449
1034

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
10
825
1010
12039
1252.28
750.55
24.78
5.60

3
3
3
132
137
150
1780.52 2613.45 3107.91
35.42
60.50
41.57
642
960
522
1589

1140
1327
589
2307

1208
2076
875
2991

1995
7136
4345
5514

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

57
57
16
34
1.74
4.18
29.89
0.93
32.10
0.01

79
36
30
42
2.74
3.16
35.75
0.02
33.38
0.00

127
49
48
42
2.49
4.37
24.60
2.11
30.71
0.00

315
63
174
41

1011
496
427
410

2.91
5.70
14.68

5.26
3.78
8.69

4.51
8.10
19.45

2.40
26.87
0.00

214
43
77
30

1.49
29.51
0.00

1.98
14.30
1.80

Foreign Banks

4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Barclays Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

1
39
188.49
160.21
698
75
418
2

1
45
148.51
271.00
1378
361
585
4

2006-07
3
265
280.54
36.28
1393
1010
1342
173

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
5
5
10
825
2078
1782
1010
12039
942.33 1110.13
1252.28
750.55
50.00
1.96
24.78
5.60
4865
6902
2857
7636

5001
12486
7883
10551

1995
7136
4345
5514

31
126
9
31

66
234
28
52

138
217
71
128

624
568
323
692

2037
589
979
892

1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

3.64
19.97
45.64

6.70
13.08
42.58

5.10
20.64
41.75

6.14
4.93
24.80

8.68
8.61
14.15

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

3.29
20.85
0.00

9.64
22.92
0.00

4.45
13.68
0.00

0.10
21.11
0.42

0.16
17.07
4.59

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

BNP Paribas
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

2004-05

2005-06

9
314
980.52
4.70
333
1674
861
1719
176
68
91
97

9
303
1206.05
6.29
496
1847
1108
1854
223
73
113
104

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
10
825
1010
12039
1252.28
750.55
24.78
5.60

9
9
9
328
359
347
1353.00 1950.00 2035.00
19.00
36.00
49.00
745
2098
1120
2342
303
137
172
129

1214
3236
2690
3772
459
256
254
178

1656
3353
3562
3710
636
243
272
193

1995
7136
4345
5514
1011
496
427
410

3.68
1.66
24.74

4.22
2.24
23.01

5.46
2.51
21.84

5.69
2.56
22.17

4.17
5.94
19.58

4.51
8.10
19.45

0.50
9.41
0.00

0.55
11.61
0.00

1.41
10.76
0.00

1.97
11.79
0.00

2.13
12.37
0.86

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Calyon Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

4
105
946.00
-15.04
328
1306
890
674

6
108
1278.00
71.00
718
372
427
1012

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
6
6
6
10
825
109
131
120
1010
12039
1629.00 2249.00 2105.00
1252.28
750.55
82.00
97.00 130.00
24.78
5.60
781
775
948
1003

849
1135
1461
1812

910
818
4031
1763

1995
7136
4345
5514

117
22
98
53

130
107
105
53

168
152
95
79

276
230
143
108

347
255
174
100

1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

10.09
3.78
13.14

8.90
-1.50
17.80

5.41
4.45
27.09

5.31
4.12
27.39

4.12
5.98
21.08

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

-0.80
14.40
0.30

4.30
19.80
0.20

4.60
15.10
0.00

4.20
9.70
0.00

4.10
13.20
0.00

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Chinatrust Commercial Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances

2004-05

2005-06

1
18
628.66
-52.51
45
48
27
59

Interest income
Other income
Interest expended
Operating expenses

1
21
980.00
-16.00
42
78
34
98

2006-07
1
21
1042.00
3.00
43
103
41
116

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
1
1
10
825
26
31
1010
12039
845.00 675.00
1252.28
750.55
13.00
18.00
24.78
5.60
46
92
41
128

116
61
13
148

1995
7136
4345
5514

9
1
3
5

9
1
3
4

12
1
7
4

14
2
8
5

19
2
6
9

1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.63
3.41
16.61

3.02
4.71
18.57

5.23
3.42
12.99

5.57
3.70
11.00

5.68
6.16
20.13

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

-7.68
59.94
6.02

-1.71
38.01
1.80

0.34
22.14
0.27

1.63
22.72
0.00

2.91
45.4
0.00

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Citibank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

35
2754
1359.51
21.75

39
3250
1607.92
21.71

3310
21484
8120
18111

4347
27912
10556
24455

2203
944
752
1223

3064
1043
1006
1525

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
10
825
1010
12039
1252.28
750.55
24.78
5.60

40
40
41
5194
4782
4795
1360.48 1763.78 1880.10
17.33
37.73
45.12
6603
37875
16021
32861
4384
1346
1696
1853

9351
46125
18450
38377
5964
2446
2311
2179

11518
51677
24519
39920
6840
3582
2429
2587

1995
7136
4345
5514
1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

2.77
6.29
12.35

3.04
6.53
13.60

3.87
6.30
15.83

4.26
7.31
14.51

3.57
9.04
17.56

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

2.84
10.78
1.00

3.07
11.33
0.95

2.79
11.06
1.02

2.54
12.00
1.23

2.12
13.23
2.63

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

DBS Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05
1
62
1110.99
14.52
556
611
250
560

2005-06
2
130
600.30
12.24
573
1452
551
892

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
2
2
10
10
825
186
230
359
1010
12039
1003.02 1416.58 1662.32
1252.28
750.55
39.84
28.27
72.16
24.78
5.60
1076
3836
1078
1230

1141
5096
4512
2364

1401
6023
7811
2723

1995
7136
4345
5514

35
4
9
18

154
-9
60
39

381
86
242
74

634
-33
393
88

809
302
494
165

1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

1.56
1.72
38.56

4.33
-0.45
22.76

7.52
1.37
14.52

6.74
2.45
11.52

6.24
3.15
13.89

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

0.89
35.06
0.00

0.73
31.33
0.00

1.60
29.24
0.00

0.86
18.15
0.05

2.72
15.70
0.55

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Deutsche Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05
5
380
1608.93
20.31
1232
3558
2254
2541

2005-06
8
678
1016.83
18.57
1311
4380
3261
2582

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
10
825
1010
12039
1252.28
750.55
24.78
5.60

8
10
13
2250
3500
2005
1143.53 1616.74 1434.10
20.98
27.54
26.90
1940
6978
6204
4945

4292
13755
10171
8960

4760
14147
8705
8798

1995
7136
4345
5514

390
408
305
275

604
555
368
466

972
654
467
744

1445
1018
537
1054

1881
1020
588
1155

1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

3.85
1.52
13.17

4.10
1.97
19.50

4.00
5.45
31.45

3.25
7.05
30.97

3.21
10.11
24.33

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

0.72
16.22
0.00

1.04
12.74
0.00

1.23
10.62
0.01

1.56
15.05
0.22

1.72
15.25
0.88

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Hongkong & Shanghai Banking Corpn.
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

39
3784
852.54
9.74

43
4985
975.65
12.07

3578
17013
9169
12621

4166
24955
12142
16812

1627
661
644
698

2202
928
828
1025

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
47
10
825
7446
1010
12039
961.81
1252.28
750.55
16.06
24.78
5.60

47
47
6564
7753
979.68 1012.34
14.32
16.69
6159
34825
14131
23142
3508
1212
1213
1584

8459
42620
19290
29944
4979
2117
2016
2145

11214
49970
31154
27589
6327
2699
2661
2195

1995
7136
4345
5514
1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

3.03
4.83
19.02

3.25
5.47
22.77

3.49
7.11
22.05

4.39
7.87
21.41

4.83
8.80
18.01

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

1.27
14.03
0.50

1.58
10.61
0.58

1.82
11.06
0.43

1.82
10.59
0.58

1.51
15.31
1.42

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

JP Morgan Chase Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05
1
67
593.74
69.96
266
930
380
150

2005-06
1
82
1252.09
88.94
545
1826
2163
76

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
1
1
1
10
825
155
160
175
1010
12039
1121.88 1614.67 1825.28
1252.28
750.55
82.15 153.77 253.63
24.78
5.60
1211
1667
4367
799

2068
3313
6143
1059

2512
3587
6694
703

1995
7136
4345
5514

40
93
16
27

126
101
52
42

279
172
127
71

451
384
204
128

516
718
231
138

1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

2.19
-2.09
30.27

2.68
-2.65
20.98

1.97
3.85
19.95

2.52
8.64
23.51

2.56
5.80
21.22

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

3.58
10.19
0.00

2.53
11.76
0.00

1.71
16.14
2.17

3.07
17.72
2.12

4.21
15.90
1.27

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

JSC VTB BANK
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

Foreign Banks

2004-05

2005-06

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
1
10
825
16
1010
12039
73.26
1252.28
750.55
0.00
24.78
5.60
111
2
0
10

1995
7136
4345
5514

7
0
0
7

1011
496
427
410

0.00
17.13
33.38

4.51
8.10
19.45

-0.26
317.51
0.00

1.98
14.30
1.80

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Krung Thai Bank

(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances

2004-05

2005-06

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
1
1
10
825
10
10
1010
12039
812.81 1021.69
1252.28
750.55
18.04
16.87
24.78
5.60

1
11
460.75
0.19

1
11
395.25
37.77

1
10
539.16
13.04

40
34
33
16

42
33
25
11

44
49
22
10

45
81
22
9

45
103
28
9

1995
7136
4345
5514

4
0
1
2

4
6
1
3

6
0
1
3

8
1
2
3

10
1
5
3

1011
496
427
410

Interest income
Other income
Interest expended
Operating expenses
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

2.21
6.25
19.91

1.98
4.76
16.45

2.62
6.63
17.78

3.69
5.41
11.07

4.95
3.47
8.15

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

0.03
99.59
0.00

5.37
133.53
0.00

1.72
121.73
0.00

1.90
109.03
0.00

1.36
80.93
0.00

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Mashreq Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

2
10
521.26
36.99
58
269
234
19
29
4
25
4

2
10
484.16
37.43
63
21
37
31

2006-07
2
16
440.07
64.70
73
35
28
33

20
7
18
4

8
8
1
6

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
2
2
10
825
15
16
1010
12039
225.63 310.03
1252.28
750.55
53.61
34.12
24.78
5.60
82
31
26
41
8
10
0
6

87
21
53
10
5
10
0
6

1995
7136
4345
5514
1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

8.98
-1.63
3.41

12.68
-5.64
5.31

1.11
6.14
35.68

0.66
3.20
42.24

0.59
4.75
41.18

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

1.10
60.14
0.00

1.30
136.92
0.00

8.19
97.06
0.00

8.82
52.81
0.00

4.43
76.80
0.00

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Mizuho Corporate Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

1
52
608.21
18.67
164
110
151
267

1
75
684.21
8.88
369
137
91
328

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
2
2
2
10
825
83
95
113
1010
12039
918.86 1589.56 2023.79
1252.28
750.55
14.60
25.03
38.14
24.78
5.60
381
121
160
641

401
447
247
857

744
1148
404
1119

1995
7136
4345
5514

17
6
6
8

24
8
11
9

44
13
15
17

75
20
34
26

129
38
58
36

1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

2.41
2.73
26.87

4.56
1.65
19.67

4.32
3.40
21.19

4.71
3.37
16.35

4.86
5.96
15.83

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

2.13
28.76
0.00

0.88
65.76
0.15

1.30
34.40
0.00

1.96
29.68
0.00

2.43
37.58
0.00

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Oman International Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

2
35
1132.28
-40.79
161
225
128
13
18
2
15
5

2
26
784.01
-9.35
162
203
115
8

2006-07
2
37
528.62
-6.14
164
194
104
2

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
2
2
10
825
36
36
1010
12039
484.99 480.49
1252.28
750.55
19.91
7.50
24.78
5.60
166
177
93
1

168
187
94
2

1995
7136
4345
5514

17
-1
14
6

16
1
13
6

15
1
12
6

15
3
9
6

1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

5.11
-1.89
6.87

5.69
-1.87
7.73

5.61
29.05
9.13

5.60
5.73
9.31

4.32
-0.25
11.32

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

-2.86
13.52
55.05

-1.31
9.58
41.58

-0.90
10.99
0.00

3.15
23.09
0.00

1.22
25.17
0.00

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Shinhan Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

1
15
1109.39
40.94
72
97
82
69
13
5
3
4

1
16
1503.26
33.26
121
149
67
91
17
5
7
5

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
10
825
1010
12039
1252.28
750.55
24.78
5.60

2
2
2
34
38
50
1433.00 1709.81 2445.00
25.00
34.59
38.58
217
208
82
136
25
3
6
9

230
336
118
314

249
766
203
458

1995
7136
4345
5514

48
6
15
13

64
8
26
13

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

0.99
6.74
16.41

2.17
3.51
11.47

1.70
5.42
18.42

4.15
3.19
12.74

4.25
6.95
13.74

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

2.49
55.31
0.00

1.48
81.71
0.00

1.60
89.27
0.00

1.86
48.66
0.00

1.86
36.8
0.00

1.98
14.30
1.80

1011
496
427
410

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Societe Generale
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

2
58
1057.90
25.40
321
527
593
159

2
113
1467.20
20.80
339
943
1087
271

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
2
2
2
10
825
114
118
114
1010
12039
1316.00 1459.10 1017.00
1252.28
750.55
19.20
33.90
34.00
24.78
5.60
348
1128
1457
385

372
1363
2516
385

381
825
1540
366

1995
7136
4345
5514

37
12
20
17

93
24
52
30

169
40
117
49

221
42
165
61

153
69
80
66

1011
496
427
410

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

3.96
0.90
19.77

5.26
1.39
20.63

5.97
2.75
17.44

4.38
5.81
14.69

3.14
9.54
22.01

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

1.61
64.81
0.00

1.15
37.40
0.00

0.96
31.82
0.00

1.33
20.77
0.00

2.07
22.47
0.00

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Sonali Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances

2004-05

6
22
7
6

Interest income
Other income
Interest expended
Operating expenses
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

2005-06

1
42
66.68
3.39

1
40
54.81
1.21
5
20
7
3

2006-07
2
39
71.45
1.38
5
28
5
3

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
2
2
10
825
41
41
1010
12039
74.02 138.45
1252.28
750.55
1.38
2.79
24.78
5.60
5
23
5
8

6
42
5
11

1995
7136
4345
5514

1
5
1
3

1
4
1
3

1
4
1
3

1
4
1
3

1
5
1
3

1011
496
427
410

2.64
7.85
41.96

2.58
9.00
44.44

1.72
9.63
47.48

1.41
8.25
48.11

1.22
6.23
50.14

4.51
8.10
19.45

4.00
105.81
1.90

1.69
93.78
30.50

1.52
71.42
0.00

1.60
41.25
0.00

1.98
37.05
2.55

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Standard Chartered Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

2006-07

85
5232
786.36
11.50

87
6497
837.29
14.50

82
6658
924.20
19.62

3234
22522
10160
19970

4562
28460
10632
24077

5801
34175
11902
30104
4046
1347
1652
1404

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
90
90
10
825
8967
7825
1010
12039
826.66 971.77
1252.28
750.55
20.22
23.82
24.78
5.60
8370
37004
12787
33352
4878
2322
2130
2051

10277
41802
15552
37516
5649
3097
2490
2500

1995
7136
4345
5514

2493
525
1107
842

3056
1058
1190
1201

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

3.20
6.07
14.66

3.50
5.64
17.12

4.17
5.41
19.32

4.92
5.98
18.98

5.05
7.25
21.09

4.51
8.10
19.45

Return on Assets
CRAR
Net NPA ratio

1.97
10.46
1.12

2.49
9.93
1.57

3.06
10.44
1.43

3.13
10.59
1.04

2.87
11.55
1.37

1.98
14.30
1.80

1011
496
427
410

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

State Bank of Mauritius
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

2004-05
3
29
1191.00
18.00
126
150
140
222
36
2
23
5

2005-06
3
31
1688.00
10.00
133
264
119
225
40
2
25
5

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
3
3
3
10
825
28
32
29
1010
12039
1236.00 1491.00 2327.00
1252.28
750.55
28.00
17.00
20.00
24.78
5.60
154
212
126
134
36
6
25
6

159
248
90
214
37
6
26
6

164
372
133
303

1995
7136
4345
5514

45
3
31
6

1011
496
427
410

7.31
1.20
4.98

7.94
0.28
5.76

7.63
2.86
6.07

8.21
2.94
6.01

8.37
2.86
5.01

4.51
8.10
19.45

1.20
31.06
4.08

1.97
35.42
1.91

1.53
38.99
0.00

1.12
41.66
0.00

0.90
38.01
0.00

1.98
14.30
1.80

Foreign Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

UBS AG
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

2004-05

2005-06

2006-07

2007-08 2008-09 Group Average All Banks' Average
2008-09
2008-09
1
10
825
18
1010
12039
0.00
1252.28
750.55
-109.66
24.78
5.60
284
0
75
0

1995
7136
4345
5514

4708
51970
18542
38389

8
0
0
26

1011
496
427
410

4972
960
3366
1142

0.00
0.00
54.00

4.51
8.10
19.45

6.05
4.43
13.52

-7.98
229.37
0.00

1.98
14.30
1.80

1.13
13.98
1.05

Other Scheduled Commercial Banks

Axis Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
786
411
825
20624
8289
12039
1060.00
744.27
750.55
10.02
6.16
5.60

250
4761
1021.00
8.02

352
6553
1020.00
8.69

501
9980
1024.00
7.59

626
14739
1117.00
8.39

2422
31712
15048
15603

2886
40114
21527
22314

3402
58786
26897
36876

8771
87626
33705
59661

10215
117374
46330
81557

4716
34610
14440
27084

1924
416
1193
581

2889
730
1811
814

4462
1010
2993
1215

7005
1795
4420
2155

10835
2897
7149
2858

4004
848
2682
1027

3.94
3.90
9.97

4.23
3.83
9.15

4.96
4.17
9.06

4.98
4.85
10.19

5.88
4.69
9.97

6.25
5.09
10.79

1.21
12.66
1.39

1.18
11.08
0.98

1.10
11.57
0.72

1.24
13.73
0.42

1.44
13.69
0.40

1.12
15.23
1.30

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Bank of Rajasthan
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05
388
4068
231.18
0.86
351
8120
3515
2896

2005-06

2006-07

2007-08

418
3990
291.40
0.38

458
3908
400.54
2.83

458
3936
518.85
2.93

363
8891
2567
4065

448
10816
3641
5704

939
13849
4729
7434

2008-09 Group Average All Banks' Average
2008-09
2008-09
458
411
825
4075
8289
12039
532.93
744.27
750.55
2.89
6.16
5.60
1046
15187
6809
7781

4716
34610
14440
27084

522
64
309
195

540
51
317
255

758
124
439
251

1049
127
736
270

1384
124
998
315

4004
848
2682
1027

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

3.74
5.02
23.96

3.55
3.37
30.01

4.26
4.83
23.37

5.73
3.88
17.40

6.67
5.39
15.90

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

0.38
12.75
2.50

0.19
10.60
0.99

1.16
11.32
0.24

0.91
11.87
0.42

0.74
11.50
0.73

1.12
15.23
1.30

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Catholic Syrian Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05
314
2863
220.00
0.37
210
4021
1323
2289
368
46
222
114

2005-06
327
2863
247.00
0.22
216
4289
1432
2695

2006-07
345
2791
278.00
0.68
229
4749
1553
3013

2007-08
358
2723
317.00
1.34
305
5318
1819
3314
481
60
317
151

2008-09 Group Average All Banks' Average
2008-09
2008-09
360
411
825
2676
8289
12039
374.00
744.27
750.55
1.39
6.16
5.60
388
6333
2184
3684
557
100
391
187

4716
34610
14440
27084

365
40
218
150

409
43
252
137

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

5.46
4.51
22.80

5.08
4.58
30.43

5.33
4.87
23.78

6.11
5.11
21.01

6.55
5.21
20.65

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

0.24
11.35
3.80

0.13
11.26
2.78

0.37
9.58
1.98

0.64
11.21
1.61

0.57
12.29
2.39

1.12
15.23
1.30

4004
848
2682
1027

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

City Union Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05
137
1433
325.80
3.23
241
3095
1102
2013
291
33
180
63

2005-06
143
1606
339.69
3.51
286
3518
1057
2550
326
40
187
70

2006-07
164
1871
350.12
3.84
366
4699
1307
3329
400
54
233
90

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
182
209
411
825
2170
2452
8289
12039
499.06
565.18
744.27
750.55
4.69
4.98
6.16
5.60
567
6425
1718
4537
601
85
396
109

661
8207
2397
5645
804
124
562
140

4716
34610
14440
27084
4004
848
2682
1027

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

6.00
4.42
12.76

5.53
5.19
14.15

5.51
4.98
13.75

7.04
5.15
9.49

7.63
5.25
9.26

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

1.33
12.18
3.37

1.46
12.33
1.95

1.57
12.58
1.09

1.60
12.48
0.98

1.50
12.69
1.08

1.12
15.23
1.30

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Development Credit Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05
89
1503
402.00
-11.00
200
3895
1834
2156

2005-06
91
1492
390.00
-7.00
164
3124
1307
1867

2006-07
93
1331
391.00
0.40
336
4415
1847
2658

2007-08
77
2235
454.00
2.00
636
6075
2135
4069

2008-09 Group Average All Banks' Average
2008-09
2008-09
81
411
825
1942
8289
12039
379.00
744.27
750.55
-4.00
6.16
5.60
598
4647
1622
3274

4716
34610
14440
27084

303
91
234
165

277
55
202
150

347
92
227
171

562
174
388
238

645
120
448
242

4004
848
2682
1027

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

5.11
2.97
13.63

5.43
3.33
14.89

5.76
4.20
17.18

6.90
5.84
15.51

7.49
5.98
15.13

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

-3.38
9.88
6.34

-2.01
9.66
4.50

0.17
11.34
1.64

0.66
13.38
0.66

-1.25
13.30
3.88

1.12
15.23
1.30

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Dhanalakshmi Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05
182
1313
292.70
-1.65
114
2339
708
1410

2005-06
186
1385
311.71
0.72
134
2533
710
1594

2006-07
189
1385
366.68
1.18
147
3088
865
1837

2007-08
181
1411
409.08
2.02
172
3608
1075
2102

2008-09 Group Average All Banks' Average
2008-09
2008-09
181
411
825
1402
8289
12039
585.88
744.27
750.55
4.10
6.16
5.60
424
4969
1567
3196
408
79
287
113

4716
34610
14440
27084

192
15
119
69

210
22
127
82

249
28
150
88

312
42
214
97

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

5.07
4.62
20.92

4.97
4.65
20.04

5.10
5.22
18.40

6.17
4.98
15.28

6.53
4.50
15.65

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

-0.83
10.16
3.92

0.33
9.75
2.82

0.47
9.77
1.75

0.76
9.21
0.88

1.21
15.38
0.88

1.12
15.23
1.30

4004
848
2682
1027

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Federal Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

2006-07

471
6474
366.00
1.39

483
6015
431.00
3.54

552
6029
544.00
4.43

723
15193
5799
8823

1250
17879
6272
11736

1502
21584
7033
14899

1191
212
689
314

1437
217
837
365

1801
303
1085
406

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
602
611
411
825
6945
7570
8289
12039
655.00
750.00
744.27
750.55
5.43
6.90
6.16
5.60
3926
25913
10027
18905
2515
395
1647
469

4326
32198
12119
22392
3315
516
2000
571

4716
34610
14440
27084
4004
848
2682
1027

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.54
4.81
18.53

4.73
4.18
19.01

5.11
4.51
17.47

6.32
4.49
12.82

6.36
6.05
12.35

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

0.62
11.27
2.21

1.28
13.75
0.95

1.38
13.43
0.44

1.34
22.46
0.23

1.48
20.22
0.30

1.12
15.23
1.30

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

HDFC Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances

2004-05

2005-06

2006-07

2007-08

446
9030
806.00
8.80

515
14878
758.00
7.39

666
21477
607.00
6.13

745
37386
506.00
4.97

4520
36354
19350
25566

5300
55797
28394
35061

2008-09 Group Average All Banks' Average
2008-09
2008-09
1400
411
825
52687
8289
12039
446.00
744.27
750.55
4.18
6.16
5.60

6433
68298
30565
46945

11497
100769
49394
63427

14652
142812
58818
98883

3093
651
1316
1085

4475
1124
1930
1691

6648
1516
3179
2421

10115
2283
4887
3746

16332
3291
8911
5533

4004
848
2682
1027

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

3.45
4.23
11.52

3.76
5.15
13.45

4.58
5.99
13.87

5.24
7.38
15.07

6.83
8.12
15.50

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

1.47
12.16
0.24

1.38
11.41
0.44

1.33
13.08
0.43

1.32
15.69
0.47

1.28
15.69
0.63

1.12
15.23
1.30

Interest income
Other income
Interest expended
Operating expenses

4716
34610
14440
27084

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

ICICI Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
1408
411
825
34596
8289
12039
1154.00
744.27
750.55
11.00
6.16
5.60

515
18029
880.00
11.00

569
25384
905.00
10.00

716
33321
1027.00
9.00

1250
40686
1008.00
10.00

12900
99819
50487
91405

22556
165083
71547
146163

24663
230510
91258
195866

46820
244431
111454
225616

49883
218348
103058
218311

9410
3416
6571
3299

14306
4181
9597
5001

21996
6928
16358
6691

30788
8811
23484
8154

31093
7604
22726
7045

4716
34610
14440
27084
4004
848
2682
1027

3.02
5.75
7.47

4.01
4.58
7.41

5.34
4.08
7.01

6.40
4.33
6.57

5.97
4.09
6.62

6.25
5.09
10.79

1.48
11.78
1.65

1.30
13.35
0.72

1.09
11.69
1.02

1.12
14.92
1.55

0.98
13.96
2.09

1.12
15.23
1.30

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

IndusInd Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

2004-05

2005-06

2006-07

127
2077
925.78
10.12

152
2365
880.18
1.56

185
2613
1039.77
2.61

830
13114
4069
9000

866
15006
5410
9310

1057
17645
5892
11084

1134
251
719
265

1188
189
873
317

1500
244
1229
344

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
182
182
411
825
2869
4251
8289
12039
1062.67
836.00
744.27
750.55
2.62
3.49
6.16
5.60
1350
19037
6630
12795
1881
298
1580
402

1664
22110
8083
15771
2309
456
1850
547

4716
34610
14440
27084
4004
848
2682
1027

5.00
4.95
6.11

5.66
3.47
7.13

6.77
3.47
6.12

7.59
4.34
6.15

7.69
4.86
7.81

6.25
5.09
10.79

1.50
11.62
2.71

0.22
10.54
2.09

0.34
12.54
2.47

0.34
11.91
2.27

0.58
12.33
1.14

1.12
15.23
1.30

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

ING Vysya Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances

2004-05

2005-06

2006-07

2007-08

381
4587
394.92
-0.73

388
4878
426.00
0.17

413
5162
486.09
1.66

399
5709
547.28
2.68

842
12569
4196
9081

1020
13335
4372
10232

1103
15419
4528
11976

1536
20458
6293
14650

2008-09 Group Average All Banks' Average
2008-09
2008-09
444
411
825
6086
8289
12039
606.39
744.27
750.55
3.03
6.16
5.60
1703
24890
10496
16751

4716
34610
14440
27084

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

991
123
634
380

1222
139
741
519

1268
286
822
505

1680
419
1182
609

2240
548
1590
772

4004
848
2682
1027

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.32
3.75
17.37

4.67
3.87
18.59

4.82
3.83
17.12

5.69
4.05
16.88

5.96
5.17
16.60

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

-0.25
9.09
2.13

0.05
10.67
0.95

0.52
10.56
0.70

0.74
10.20
0.70

0.70
11.65
1.23

1.12
15.23
1.30

Other Scheduled Commercial Banks

4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Jammu & Kashmir Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

2006-07

2007-08

442
6873
435.00
2.00

455
6833
516.00
3.00

461
6847
585.00
4.00

480
7558
596.00
5.00

1665
21645
9032
11517

1799
23485
8994
14483

2009
25194
7392
17080

2281
28593
8758
18883

2008-09 Group Average All Banks' Average
2008-09
2008-09
491
411
825
7627
8289
12039
500.00
744.27
750.55
5.00
6.16
5.60
2623
33004
10736
20930

4716
34610
14440
27084

1549
96
953
323

1706
111
1043
345

1899
160
1131
372

2434
245
1624
404

2988
245
1988
471

4004
848
2682
1027

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.61
3.81
14.02

4.52
3.96
13.86

4.56
4.01
14.63

5.89
4.55
11.14

6.28
5.25
11.34

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

0.47
15.15
1.41

0.67
13.52
0.92

0.96
13.24
1.13

1.09
12.80
1.07

1.09
14.48
1.38

1.12
15.23
1.30

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Karnataka Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05

2005-06

2006-07

2007-08

398
4393
380.90
3.35

412
4346
478.29
4.05

428
4456
524.00
4.00

436
4677
589.00
5.00

978
10837
4556
6287

1111
13243
5549
7792

1239
14037
5048
9553

1380
17016
6327
10842

2008-09 Group Average All Banks' Average
2008-09
2008-09
452
411
825
4947
8289
12039
649.00
744.27
750.55
5.00
6.16
5.60
1567
20333
8961
11810

4716
34610
14440
27084

840
221
523
197

1018
167
652
204

1256
174
836
238

1560
237
1102
306

1917
353
1444
347

4004
848
2682
1027

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

5.00
3.38
17.37

5.31
3.42
13.56

5.94
3.45
12.02

6.86
4.15
12.86

7.56
4.72
10.64

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

1.27
14.16
2.29

1.28
11.78
1.18

1.15
11.03
1.22

1.37
12.17
0.98

1.25
24.08
0.98

1.12
15.23
1.30

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Karur Vysya Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05
257
2811
387.00
3.75
761
6672
2219
4620
591
113
334
171

2005-06
263
2908
439.00
4.65
872
7577
2298
5555
651
121
368
175

2006-07
289
3286
489.00
4.87
1063
9340
2874
7040
867
119
520
192

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
274
296
411
825
3580
3941
8289
12039
604.00
638.00
744.27
750.55
5.82
5.98
6.16
5.60
1190
12550
3526
9422
1106
183
765
216

1350
15101
4716
10410
1446
265
1036
258

4716
34610
14440
27084

5.18
3.75
15.13

4.99
3.91
16.09

5.96
3.90
13.01

6.79
3.64
10.37

7.36
4.14
9.50

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

1.45
16.07
1.66

1.65
14.79
0.81

1.53
14.51
0.23

1.63
12.58
0.18

1.49
14.92
0.25

1.12
15.23
1.30

Other Scheduled Commercial Banks

4708
51970
18542
38389

4004
848
2682
1027

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Kotak Mahindra Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05
54
2099
387.27
5.37
757
4300
1827
4017

2005-06

2006-07

2007-08

79
3597
352.00
4.15

110
5437
383.91
3.13

180
9058
383.84
3.81

865
6566
2856
6348

1662
11000
6862
10924

3594
16424
9142
15552

2008-09 Group Average All Banks' Average
2008-09
2008-09
220
411
825
8227
8289
12039
347.00
744.27
750.55
3.00
6.16
5.60
3906
15645
9110
16625

4716
34610
14440
27084

420
132
195
224

719
218
339
387

1319
319
699
613

2535
463
1310
1019

3065
358
1547
1196

4004
848
2682
1027

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

3.55
6.91
20.48

4.82
5.58
23.59

5.11
6.51
22.33

6.14
7.48
22.29

6.11
9.39
21.28

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

1.56
12.80
0.37

1.39
11.27
0.24

0.94
13.46
1.98

1.10
18.65
1.78

1.03
20.01
2.39

1.12
15.23
1.30

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Lakshmi Vilas Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05
239
1928
296.00
0.17
230
3496
1181
2318

2005-06
241
1873
371.00
1.20
291
4336
1280
2953

2006-07
250
1926
430.00
0.91
396
5020
1309
3613

2007-08
235
2078
453.00
1.22
418
5618
1694
3859

2008-09 Group Average All Banks' Average
2008-09
2008-09
247
411
825
2433
8289
12039
510.00
744.27
750.55
2.07
6.16
5.60
454
7361
1863
5246

4716
34610
14440
27084

298
38
192
90

322
35
217
101

418
57
299
102

506
82
382
116

658
107
504
152

4004
848
2682
1027

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

5.29
3.29
16.74

5.24
2.98
18.83

6.09
3.41
14.00

6.85
3.30
12.65

7.62
3.76
11.96

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

0.08
11.32
4.98

0.53
10.79
1.89

0.33
12.43
1.58

0.41
12.73
1.55

0.71
10.09
1.24

1.12
15.23
1.30

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Nainital Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05
69
614
162.32
2.00
76
933
421
363
74
9
36
25

2005-06
81
624
225.00
2.00
113
1125
372
603
92
13
40
37

2006-07
82
662
279.00
3.00
125
1481
388
795
123
5
55
34

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
87
92
411
825
667
693
8289
12039
366.00
425.00
744.27
750.55
4.00
6.00
6.16
5.60
146
1790
483
995
169
8
93
32

175
2137
561
1131
209
10
116
39

4716
34610
14440
27084

4708
51970
18542
38389

4004
848
2682
1027

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.31
6.47
28.56

3.90
6.10
35.67

4.21
6.04
26.27

5.62
5.99
16.32

5.79
6.84
16.70

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

1.25
14.85
0.00

1.06
13.88
0.00

1.26
12.89
0.00

1.51
12.32
0.00

1.68
13.10
0.00

1.12
15.23
1.30

Other Scheduled Commercial Banks

4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Ratnakar Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05
75
545
220.75
-1.73
45
784
265
424

2005-06
78
544
250.92
0.11
54
874
277
491

2006-07
80
553
254.41
0.54
199
876
316
531

2007-08
79
544
310.00
3.00
323
1101
361
586

2008-09 Group Average All Banks' Average
2008-09
2008-09
84
411
825
566
8289
12039
373.00
744.27
750.55
5.00
6.16
5.60
341
1307
407
801

4716
34610
14440
27084

66
5
39
22

70
6
40
23

76
5
42
32

107
9
52
30

138
16
74
33

4004
848
2682
1027

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

5.16
5.09
21.69

4.80
5.36
22.82

4.81
5.84
29.60

5.26
5.49
20.85

6.15
5.01
19.04

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

-1.17
12.03
5.54

0.07
10.77
2.61

0.31
34.34
1.92

1.31
49.15
0.99

1.96
42.30
0.68

1.12
15.23
1.30

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

SBI Comm. & Intl. Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

2004-05
3
103
527.06
-9.73
88
331
101
231

2005-06
3
101
626.43
5.70
94
378
111
254

2006-07
3
90
648.34
7.79
102
488
126
329

2007-08
2
93
754.67
13.82
115
522
144
358
44
14
36
9

2008-09 Group Average All Banks' Average
2008-09
2008-09
2
411
825
84
8289
12039
960.48
744.27
750.55
13.17
6.16
5.60
126
588
217
311

4716
34610
14440
27084

26
9
17
8

36
10
19
8

34
4
23
9

54
3
36
10

4004
848
2682
1027

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

4.33
0.68
12.77

4.77
2.25
11.51

4.70
2.21
14.38

6.68
1.48
8.73

6.47
4.53
9.10

6.25
5.09
10.79

Return on Assets
CRAR
Net NPA ratio

-2.10
23.56
7.65

1.09
22.29
3.82

1.13
20.93
0.00

1.93
23.48
0.00

1.52
21.24
0.00

1.12
15.23
1.30

Other Scheduled Commercial Banks

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

South Indian Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

2004-05
439
3588
352.00
0.24
456
8492
3133
5365
709
102
452
187

2005-06
458
3709
422.00
1.37
641
9579
2739
6370
761
72
451
226

5.18
3.97
18.54

4.81
4.55
20.58

0.09
9.89
3.81

0.53
13.02
1.86

2006-07
484
3868
508.00
2.69
724
12239
3430
7919
977
103
609
219
5.43
4.29
16.09
0.88
11.08
0.98

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
491
519
411
825
4223
4523
8289
12039
600.43
645.14
744.27
750.55
3.59
4.31
6.16
5.60
1161
15156
4572
10454
1291
143
915
248

1304
18092
6075
11852
1687
164
1164
328

6.57
3.89
12.58

6.87
4.53
14.35

1.01
13.80
0.33

1.09
14.76
1.13

Other Scheduled Commercial Banks

4716
34610
14440
27084

4708
51970
18542
38389

4004
848
2682
1027

4972
960
3366
1142

6.25
5.09
10.79

6.05
4.43
13.52

1.12
15.23
1.30

1.13
13.98
1.05

Tamilnad Mercantile Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
Capital and Reserves & surplus
Deposits
Investments
Advances

2004-05
183
2286
316.97
3.60

184
2297
358.29
4.41

194
2227
451.23
4.76
759
6020
2316
4047

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
217
..
411
825
2386
..
8289
12039
541.99
..
744.27
750.55
5.31
..
6.16
5.60
858
7670
2554
5331

..
..
..
..

513
68
282
125

548
78
302
130

638
83
342
147

774
118
499
169

..
..
..
..

4004
848
2682
1027

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

5.72
4.73
17.96

5.72
4.33
17.63

5.85
4.94
18.17

6.75
4.04
15.19

..
..
..

6.25
5.09
10.79

1.52
19.74
2.95

1.67
18.33
2.17

1.57
16.77
0.98

1.58
15.35
0.38

..
..
..

1.12
15.23
1.30

Other Scheduled Commercial Banks

657
5203
2362
3126

2006-07

Return on Assets
CRAR
Net NPA ratio

Interest income
Other income
Interest expended
Operating expenses

559
4827
2286
2626

2005-06

4716
34610
14440
27084

4708
51970
18542
38389
4972
960
3366
1142
6.05
4.43
13.52
1.13
13.98
1.05

Yes Bank
(Amount in rupees crore)

Items
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

2004-05

2005-06

2006-07

2007-08

2008-09 Group Average All Banks' Average
2008-09
2008-09
118
411
825
2671
8289
12039
988.36
744.27
750.55
11.38
6.16
5.60

3
207
687.93
-1.82

9
627
848.08
8.82

41
2443
530.50
3.86

68
3150
683.12
6.35

217
663
395
761

573
2910
1350
2407

787
8220
3073
6290

1319
13273
5094
9430

30
18
12
40

193
97
105
86

588
195
416
193

1305
361
974
341

2003
435
1492
419

4004
848
2682
1027

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

1.15
1.89
41.07

4.72
3.88
26.27

6.36
3.36
19.26

7.83
4.01
15.39

8.41
5.22
11.41

6.25
5.09
10.79

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

-0.29
18.81
0.00

2.13
16.40
0.00

1.44
13.60
0.00

1.54
13.60
0.09

1.60
16.60
0.33

1.12
15.23
1.30

1.13
13.98
1.05

Capital and Reserves & surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses

1624
16169
7117
12403

4716
34610
14440
27084

4708
51970
18542
38389

Bank Group-wise Averages for 2007-08 & 2008-09
(Amount in Rs. Crore)

Items

No. of banks

SBI &
its Associates
2007-08 2008-09

Nationalised
Banks
2007-08 2008-09

Other
SCBs
2007-08 2008-09

8

7

20

20

23

21

No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)

1897
31126
549.22
3.62

2291
38371
650.28
4.43

1892
23320
618.28
3.77

1968
23303
778.06
4.83

348
7259
714.80
5.70

411
8289
744.27
6.16

Capital and Reserves & surplus
Deposits
Investments
Advances

7713 10346
96734 143863
32978 51089
74215 105658

5654
6794
84000 105285
26801 32752
60184 76027

3973
29349
12112
22539

4716
34610
14440
27084

Foreign
Banks
2007-08 2008-09
28

All Banks
2007-08 2008-09

30

79

78

10
10
1010
1182
1064.14 1252.28
24.78
19.97

776
11588
633.22
4.67

825
12039
750.55
5.60

1762
6827
3533
5755

1995
7136
4345
5514

3994
42026
14903
31354

4708
51970
18542
38389

Interest income
Other income
Interest expended
Operating expenses

8803
1477
5976
2124

12742
2296
8824
2870

7132
1049
5055
1483

9212
1305
6584
1755

3087
739
2108
881

4004
848
2682
1027

872
378
379
370

1011
496
427
410

3905
764
2633
978

4972
960
3366
1142

Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses

5.90
3.65
15.89

6.07
3.82
15.06

5.82
3.69
14.05

6.18
4.01
13.14

6.13
4.88
10.34

6.25
5.09
10.79

4.37
6.56
19.68

4.51
8.10
19.45

5.80
4.12
13.99

6.05
4.43
13.52

Return on Assets
CRAR
Net NPA ratio

0.97
13.21
1.43

1.02
13.96
1.45

1.01
12.13
0.77

1.03
13.24
0.68

1.13
14.34
1.09

1.12
15.23
1.30

2.09
13.08
0.77

1.98
14.30
1.80

1.12
13.01
1.00

1.13
13.98
1.05

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