year 2014-15 2015-16

capital adequacy
CRAR= Capital/Total Risk Weighted Credit Exposure
asset quality 2.12 3.81
Net NPA =Net NPA/Total Loan
management quality
Total Advance to Total Deposit =Total Advance/Total
Deposit
Business per Employee =Total Income/No. of
Employees
Profit per Employee =Net Profit/No. of Employees

earnings quality
Return on Asset =Net Profit/Total Asset
Interest Income to Total Income =Interest Income/
Total Income
Other Income to Total Income =Other than Interest
Income/Total Income

liquidity
Total loans to Total Deposit = Total loans /Total Deposit
 YONO
2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 2022-23

3.71 5.73 3.01 2.23 1.5 1.02 0.67