A Profile of Banks
2012-13
Reserve Bank of India
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Explanatory Notes
This publication provides quick data on select important items on scheduled commercial banks, excluding regional rural banks, from 200809 to 2012-13. This is the ninth volume in the series; first volume of the series was published for the year 2004-05.
1. Data definitions (also refer to item no. 3)
1.1.Capital, reserves & surplus, deposits, investments, advances, interest income, interest expended and operating expenses are as
in annual accounts of banks.
1.2.Business (defined as deposits plus advances) per employee, profit per employee, return on assets, capital adequacy ratio [capital
to risk weighted assets ratio (CRAR)] and net non-performing assets (NPAs) as percentage of net advances (Net NPA ratio) are
from ‘Notes on Accounts’ of annual accounts.
1.3.For the years 2008-09 to 2012-13, bank-wise CRAR is given as per Basel-II.
1.4.Number of offices includes branches and administrative offices.
1.5.Cost of Funds (CoF) is defined as the ratio (in %) of interest paid on deposits and borrowings to average of opening and closing
balances of deposits and borrowings for the respective years.
1.6.Cost adjusted return on advances is CoF subtracted from return on advances, where return on advances is defined as the ratio
(in %) of interest earned on advances to average of opening and closing balances of advances for the respective years.
1.7.Wages as percentage to total expenses is computed as the ratio (in %) of payment to and provisions for employees to total expenses.
1.8.Net Interest Margin is defined as ratio (in %) of Net Interest Income to Total Assets.
1.9.Return on Equity are computed as ratio (in %) of Net Profit to total of Capital and Reserves & Surplus.
2. Bank group level aggregates
2.1 Bank group level aggregates have been computed from respective items at bank level. Computation of ratios follows definitions
similar to those of bank level ratios; that is ratios of corresponding aggregates at bank group level. More specific details are as
follows:
i)
Business per employee (or profit per employee) is computed by dividing the total business (or profit) for the group by the
number of employees in the group.
ii) CoF is computed as the ratio (in %) of interest paid on deposits and borrowings to average of opening and closing balances
of deposits and borrowings of the respective years.
iii) Return on advances adjusted to CoF is computed by subtracting CoF for the group from return on advances for the group;
the latter is computed as the ratio (in %) of interest earned on advances by the group to average of opening and closing balances of total advances of the group.
iv) Return on assets (in %) for a group is obtained as weighted average of return on assets of individual banks in the group, weights
being the proportion of total assets of the bank as percentage to total assets of the group.
v) Capital adequacy ratios for the bank groups have been obtained from OSMOS, Department of Banking Supervision, RBI.
3. General
3.1 IDBI Bank Ltd., a public sector bank, is clubbed along with nationalised banks.
3.2 The name of Oman International Bank has been changed to HSBC Bank Oman S.A.O.G with effect from June 3, 2012.
3.3 The Foreign Bank ‘Westpac Banking Corporation’ was included in the second schedule to the RBI Act, 1934 with effect from
January 12, 2013.
3.4 The Foreign Bank ‘Sumitomo Mitsui Banking Corporation’ was included in the second schedule to the RBI Act, 1934 with effect
from February 2, 2013.
3.5 For quick comparison, bank group aggregates and all banks’ aggregates for 2012-13 are given against every bank.
3.6 Wherever appropriate, denominators in the ratios use average of “current year” and “previous year” .For instance, ratio of Net Interest Margin to total assets for the year 2012-13 uses denominator as average of total assets for the years 2011-12 and 2012-13
3.7 The symbol ‘0.00’ indicates nil or negligible or not applicable or not available.
4. Data sources
4.1 Most of the data presented in the publication are from annual accounts of banks.
4.2 Data on number of offices are from Master Office File (as on September 04, 2013), Department of Statistics and Information Management, RBI.
4.3 Data on number of employees are as reported by respective banks.
Bank Group wise
i.
All Scheduled Commercial Banks
ii.
Public Sector Banks
(a) SBI & Associates
(b) Nationalised Banks
iii.
Private Sector Banks
(a) Old Private Sector Banks
(b) New Private Sector Banks
iv.
Foreign Banks
Bank wise: SBI & Associates
i.
State Bank of India
ii.
State Bank of Bikaner & Jaipur
iii.
State Bank of Hyderabad
iv.
State Bank of Mysore
v.
State Bank of Patiala
vi.
State Bank of Travancore
Bank wise : Nationalised Banks
i.
Allahabad Bank
ii.
Andhra Bank
iii.
Bank of Baroda
iv.
Bank of India
v.
Bank of Maharashtra
vi.
Canara Bank
vii.
Central Bank of India
viii.
Corporation Bank
ix.
Dena Bank
x.
IDBI Bank Ltd.
xi.
Indian Bank
xii.
Indian Overseas Bank
xiii.
Oriental Bank of Commerce
Table of Contents
Page No.
Bank wise : Nationalised Banks
1
xiv.
Punjab and Sind Bank
2
xv.
Punjab National Bank
3
xvi.
Syndicate Bank
4
xvii.
UCO Bank
5
xviii.
Union Bank of India
6
xix.
United Bank of India
7
xx.
Vijaya Bank
8
Bank wise : Old Private Sector Banks
i.
Catholic Syrian Bank
9
ii.
City Union Bank
10
iii.
Dhanlaxmi Bank
11
iv.
Federal Bank
12
v.
ING Vysya Bank
13
vi.
Jammu & Kashmir Bank
14
vii.
Karnataka Bank
viii.
Karur Vysya Bank
15
ix.
Lakshmi Vilas Bank
16
x.
Nainital Bank
17
xi.
Ratnakar Bank
18
xii.
South Indian Bank
19
xiii.
Tamilnad Mercantile Bank
20
Bank wise : New Private Sector Banks
21
i.
Axis Bank
ii.
Development Credit Bank
22
23
iii.
HDFC Bank
24
iv.
ICICI Bank
25
v.
IndusInd Bank
26
vi.
Kotak Mahindra Bank
27
vii.
Yes Bank
Page No.
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
Table of Contents (contd..)
Bank wise: Foreign Banks
Page No.
i.
AB Bank
55
xxx.
National Australia Bank
ii.
Abu Dhabi Commercial Bank
56
xxxi.
Rabobank International
iii.
American Express Banking Corp.
57
xxxii.
Royal Bank of Scotland
iv.
Antwerp Diamond Bank
58
xxxiii. Sberbank
v.
Australia And New Zealand Banking Group
59
xxxiv. Shinhan Bank
vi.
Bank Internasional Indonesia
60
xxxv.
Societe Generale
vii.
Bank of America
61
xxxvi. Sonali Bank
viii.
Bank of Bahrain & Kuwait
62
xxxvii. Standard Chartered Bank
ix.
Bank of Ceylon
63
xxxviii. State Bank of Mauritius
x.
Bank of Nova Scotia
64
xxxix. Sumitomo Mitsui Banking Corporation
xi.
Bank of Tokyo-Mitsubishi UFJ
65
xl.
UBS AG
xii.
Barclays Bank
66
xli.
United Overseas Bank
xiii.
BNP Paribas
67
xlii.
Westpac Banking Corporation
xiv.
Chinatrust Commercial Bank
68
xliii.
Woori Bank
xv.
Citibank
69
xvi.
Commonwealth Bank of Australia
70
xvii.
Credit Agricole
71
xviii.
Credit Suisse AG
72
xix.
DBS Bank
73
xx.
Deutsche Bank
74
xxi.
FirstRand Bank
75
xxii.
Hongkong & Shanghai Banking Corporation
76
xxiii.
HSBC Bank Oman S.A.O.G
77
xxiv.
Industrial And Commercial Bank of China
78
xxv.
JP Morgan Chase Bank
79
xxvi.
JSC VTB Bank
80
xxvii.
Krung Thai Bank
81
xxviii. Mashreqbank
82
xxix.
Mizuho Corporate Bank
83
Page No.
84
85
86
87
88
89
90
91
92
93
94
95
96
97
Items
No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee
All Scheduled Commercial Banks
(Amount in ` Million)
2010-11
2011-12
2012-13
81
87
89
78215
85262
92114
1001096
1048520
1096984
99.03
109.95
121.33
0.70
0.78
0.83
2008-09
80
67562
954684
73.98
0.55
2009-10
81
72906
955990
86.23
0.60
3679473
40632011
14495506
29999239
4301613
47469196
17290059
34967200
5099192
56158743
19236333
42974875
6085618
64535485
22339033
50735592
7089300
74295324
26132752
58797025
3884816
752204
2632232
895814
2.62
4151786
792676
2720836
1000279
2.54
4913407
798501
2989248
1231403
2.91
6552839
863437
4303557
1375720
2.90
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to COF
Wages as % to total expenses
5.99
4.56
13.60
5.10
4.19
14.85
4.75
4.47
17.22
5.90
4.51
13.73
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
15.44
1.13
13.97
1.05
14.31
1.05
14.54
1.12
14.96
1.10
14.19
0.97
14.60
1.08
14.24
1.28
13.84
1.03
13.88
1.68
Capital and Reserve & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
1
Items
No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee
Public Sector Banks
(Amount in ` Million)
2011-12
2012-13
26
26
70969
75779
774329
801659
114.68
127.47
0.64
0.63
2008-09
27
57979
731524
73.44
0.47
2009-10
27
62080
739646
86.43
0.53
2010-11
26
65800
755102
101.67
0.59
2083419
31127471
10126658
22592117
2410014
36920194
12155981
27010187
2903020
43724487
13360764
33044329
3555749
50020134
15072700
38773075
4086022
57456972
17591058
44727740
2730882
424662
1934467
555037
2.35
3059826
488932
2119401
660749
2.29
3661345
479649
2311530
829652
2.77
4847318
503997
3285889
902052
2.76
5548765
567812
3879290
1018122
2.57
Cost of Funds (CoF)
Return on advances adjusted to COF
Wages as % to total expenses
6.06
4.05
13.88
5.35
3.75
14.79
4.91
4.23
17.50
6.06
4.25
13.72
6.27
3.81
13.09
Return on Equity
Return on Assets
CRAR
Net NPA ratio
17.94
1.03
13.49
0.94
17.47
0.97
13.27
1.10
16.90
0.96
13.08
1.09
15.33
0.88
13.23
1.53
13.24
0.78
12.38
2.02
Capital and Reserve & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
2
Items
No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee
SBI and its Associates
(Amount in ` Million)
2011-12
2012-13
6
6
20256
21301
279809
293965
91.38
101.97
0.55
0.60
2008-09
7
16938
268598
65.02
0.44
2009-10
7
18390
266605
73.74
0.47
2010-11
6
19338
283375
79.05
0.42
724216
10070415
3576239
7394499
837256
11080856
3874734
8579368
843942
12458624
3856967
9941536
1072494
14050241
4173221
11519913
1253189
16184449
4729979
13792240
891958
160727
617704
200877
2.39
979537
183937
662285
252828
2.36
1098281
192400
670179
291459
2.84
1435552
178231
888609
327299
3.25
1637677
197442
1065334
370940
2.98
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.00
3.98
15.06
5.32
3.60
17.10
4.85
4.11
19.97
5.66
4.61
17.42
5.96
3.93
16.20
Return on Equity
Return on Assets
CRAR
Net NPA ratio
17.74
1.02
13.96
1.47
15.92
0.91
13.46
1.50
14.11
0.79
12.25
1.49
16.00
0.89
13.70
1.76
15.29
0.88
12.67
2.04
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
3
Items
No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee
2008-09
20
41041
462926
78.32
0.49
Capital and Reserves & Surplus
Deposits
Investments
Advances
Nationalised Banks (Includes IDBI Bank Ltd.)
(Amount in ` Million)
2009-10
2010-11
2011-12
2012-13
20
20
20
20
43690
46462
50713
54478
473041
471727
494520
507694
93.59
115.25
127.85
142.23
0.57
0.70
0.69
0.65
1359202
21057056
6550419
15197619
1572758
25839338
8281248
18430819
2059079
31265862
9503797
23102793
2483255
35969893
10899479
27253162
2832832
41272523
12861079
30935500
1838924
263936
1316762
354160
2.32
2080289
304996
1457115
407922
2.26
2563064
287249
1641351
538193
2.74
3411767
325766
2397280
574753
2.55
3911088
370370
2813956
647182
2.39
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.09
4.09
13.31
5.37
3.82
13.65
4.93
4.28
16.41
6.22
4.10
12.20
6.39
3.76
11.81
Return on Equity
Return on Assets
CRAR
Net NPA ratio
18.05
1.03
13.24
0.68
18.30
1.00
13.18
0.91
18.19
1.03
13.47
0.92
15.05
0.88
13.03
1.44
12.34
0.74
12.26
2.00
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
4
Private Sector Banks
(Amount in ` Million)
2011-12
2012-13
20
20
13970
16001
248284
269941
86.23
94.06
0.92
1.07
Items
No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee
2008-09
22
9288
193578
67.76
0.56
2009-10
22
10516
188332
77.27
0.70
2010-11
21
12097
217953
82.60
0.81
Capital and Reserve & Surplus
Deposits
Investments
Advances
996686
7363776
3065312
5753276
1199839
8228007
3541169
6324409
1385664
10027588
4220576
7975440
1592952
11745874
5259822
9664030
1929461
13958355
6261063
11432486
850714
178602
569574
217794
2.86
828064
204231
512056
228510
2.90
967131
208734
571491
276064
3.10
1345555
250480
867843
340301
3.09
1664864
297927
1071332
404851
3.22
Cost of Funds (CoF)
Return on advances adjusted to COF
Wages as % to total expenses
6.27
5.31
10.83
4.83
5.06
12.73
4.60
5.11
14.53
5.84
5.22
12.22
6.12
5.41
11.61
Return on Equity
Return on Assets
CRAR
Net NPA ratio
11.38
1.13
15.23
1.29
11.94
1.28
17.43
1.04
13.70
1.43
16.46
0.56
15.25
1.53
16.21
0.46
16.47
1.63
16.84
0.52
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
5
Items
No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee
2008-09
15
4952
51341
63.84
0.47
2009-10
15
5273
55052
69.75
0.42
Old Private Sector Banks
(Amount in ` Million)
2010-11
2011-12
2012-13
14
13
13
5090
5673
6283
55380
62589
66208
81.04
87.23
97.24
0.56
0.63
0.75
Capital and Reserves & Surplus
Deposits
Investments
Advances
174765
1992735
723926
1285039
201706
2298969
834993
1540853
237982
2641571
926545
1846473
278963
3158914
1093333
2300795
330127
3738964
1344993
2699373
187898
27821
128340
39392
2.79
204975
31518
140760
47153
2.56
232989
30286
147681
56000
2.95
325802
33948
225057
65404
2.95
399275
41452
278598
77459
2.94
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.67
5.15
13.26
6.13
4.82
14.57
5.66
5.02
16.75
7.10
4.88
13.00
7.27
4.88
12.28
Return on Equity
Return on Assets
CRAR
Net NPA ratio
14.69
1.15
14.74
0.90
12.29
0.95
14.85
0.82
14.11
1.12
14.55
0.53
15.18
1.20
14.12
0.58
16.22
1.26
13.73
0.77
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
6
Items
No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee
2008-09
7
4336
142237
69.18
0.59
2009-10
7
5243
133280
80.38
0.81
New Private Sector Banks
(Amount in ` Million)
2010-11
2011-12
2012-13
7
7
7
7007
8297
9718
162573
185695
203733
83.13
85.89
93.03
0.90
1.01
1.18
Capital and Reserves & Surplus
Deposits
Investments
Advances
821921
5371041
2341385
4468237
998133
5929038
2706176
4783556
1147682
7386018
3294031
6128967
1313989
8586960
4166489
7363235
1599334
10219391
4916070
8733113
662816
150781
441234
178401
2.88
623090
172713
371296
181357
3.00
734142
178447
423810
220064
3.15
1019752
216532
642787
274898
3.13
1265589
256475
792733
327392
3.30
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.15
5.36
10.17
4.42
5.14
12.10
4.27
5.14
13.83
5.45
5.32
11.97
5.77
5.57
11.40
Return on Equity
Return on Assets
CRAR
Net NPA ratio
10.69
1.12
15.33
1.40
11.87
1.38
18.03
1.09
13.62
1.51
16.87
0.56
15.27
1.63
16.66
0.42
16.51
1.74
17.52
0.45
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
7
Items
No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee
2008-09
31
295
29582
128.27
2.54
2009-10
32
310
28012
141.14
1.69
2010-11
34
318
28041
155.55
2.75
Foreign Banks
(Amount in ` Million)
2011-12
2012-13
41
43
323
334
25907
25384
195.62
217.33
3.64
4.56
Capital and Reserves & Surplus
Deposits
Investments
Advances
599368
2140764
1303537
1653846
691760
2320995
1592909
1632604
810507
2406668
1654993
1955106
936917
2769477
2006511
2298488
1073817
2879997
2280631
2636799
303220
148940
128191
122984
4.33
263897
99513
89379
111019
3.96
284931
110118
106227
125686
3.86
359966
108959
149824
133367
3.89
422486
112127
187406
142882
3.89
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
4.46
8.15
19.44
2.83
7.16
23.48
3.11
5.64
23.30
3.88
5.72
20.35
4.05
5.50
18.22
Return on Equity
Return on Assets
CRAR
Net NPA ratio
13.75
1.99
14.19
1.81
7.34
1.26
17.26
1.82
10.28
1.75
16.97
0.67
10.79
1.76
16.75
0.61
11.52
1.94
17.88
1.01
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
8
SBI AND ITS ASSOCIATES
Items
State Bank of India
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
21301
92114
293965
1096984
101.97
121.33
0.60
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
12070
205896
55.60
0.47
13252
200299
63.60
0.45
14350
222933
70.47
0.39
14902
215481
79.84
0.53
15564
228296
94.39
0.65
579477
7420731
2759540
5425032
659492
8041162
2957852
6319142
649860
9339328
2956006
7567194
839512
10436474
3121976
8675789
988837
12027396
3509273
10456166
1253189
16184449
4729979
13792240
7089300
74295324
26132752
58797025
637884
126908
429153
156487
2.48
709939
149682
473225
203187
2.35
813944
158246
488680
230154
2.86
1065215
143514
632304
260690
3.38
1196571
160348
753258
292844
3.06
1637677
197442
1065334
370940
2.98
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
5.72
3.95
16.64
5.14
3.48
18.86
4.67
3.97
21.16
5.35
4.63
19.01
5.63
3.83
17.57
5.96
3.93
16.20
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
17.05
1.04
14.25
1.79
14.80
0.88
13.39
1.72
12.62
0.71
11.98
1.63
15.72
0.88
13.86
1.82
15.43
0.91
12.92
2.10
15.29
0.88
12.67
2.04
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
9
SBI AND ITS ASSOCIATES
Items
State Bank of Bikaner & Jaipur
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
1120
21301
92114
12831
293965
1096984
90.00
101.97
121.33
0.60
0.60
0.83
2008-09
2009-10
2010-11
2011-12
928
11439
55.54
0.36
953
11629
62.80
0.40
997
11444
75.10
0.50
1036
12866
82.70
0.50
20465
392244
109988
298507
24174
460588
136005
351764
28508
538523
135207
412067
41649
615721
166695
492443
47641
721162
201459
575350
1253189
16184449
4729979
13792240
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
38103
5771
27071
7874
2.52
39772
5827
27657
8905
2.41
47965
6397
30268
12692
3.02
62914
5990
40700
13308
3.28
74982
7263
49324
15792
3.24
1637677
197442
1065334
370940
2.98
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.66
4.22
13.19
5.77
3.81
13.73
5.44
4.44
19.25
6.46
4.77
15.18
6.65
4.57
15.17
5.96
3.93
16.20
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
21.46
0.92
14.52
0.85
20.39
0.93
13.30
0.78
20.91
0.96
11.68
0.83
18.59
0.99
13.76
1.92
16.36
0.96
12.16
2.27
15.29
0.88
12.67
2.04
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
10
SBI AND ITS ASSOCIATES
Items
State Bank of Hyderabad
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
1576
21301
92114
15090
293965
1096984
138.79
101.97
121.33
0.83
0.60
0.83
2008-09
2009-10
2010-11
2011-12
1062
12577
83.98
0.49
1215
13597
75.56
0.56
1339
14778
103.77
0.79
1499
15043
116.87
0.86
32083
624489
209817
436792
42645
729707
240085
528248
53152
886279
284467
647203
64977
987319
292418
770523
76317
1133243
339680
898565
1253189
16184449
4729979
13792240
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
57095
7693
42427
9331
2.12
63341
8413
44709
9838
2.26
78513
9838
50028
15128
2.92
106467
10243
72822
17358
2.99
124478
9756
85299
21051
3.08
1637677
197442
1065334
370940
2.98
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.75
3.82
10.67
5.76
3.97
11.05
5.43
4.58
15.95
6.92
4.62
12.77
7.29
4.16
13.31
5.96
3.93
16.20
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
20.87
0.91
11.53
0.38
22.02
1.03
14.90
0.55
24.35
1.22
14.25
0.87
21.98
1.15
13.56
1.30
17.70
0.99
12.36
1.61
15.29
0.88
12.67
2.04
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
11
SBI AND ITS ASSOCIATES
Items
State Bank of Mysore
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
21301
92114
293965
1096984
101.97
121.33
0.60
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
720
9671
60.20
0.35
736
10111
67.20
0.44
755
9926
79.50
0.50
788
10249
88.10
0.40
829
10784
95.50
0.40
22710
329158
113780
256161
26653
388800
114944
295359
36833
432255
129271
340298
39885
501863
147327
398353
43325
569690
167746
449326
1253189
16184449
4729979
13792240
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
32473
4804
24090
6651
2.28
35589
4257
23224
7249
2.88
40791
4552
24431
9174
3.36
50784
5164
34941
10411
2.82
59655
5956
41253
11048
2.88
1637677
197442
1065334
370940
2.98
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.39
4.45
12.51
5.65
4.35
13.73
5.29
4.78
16.32
6.66
4.34
13.68
6.92
4.38
12.24
5.96
3.93
16.20
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
18.47
0.91
12.99
0.50
18.06
1.06
12.42
1.02
15.77
1.03
13.76
1.38
9.62
0.67
12.55
1.93
10.00
0.66
11.79
2.69
15.29
0.88
12.67
2.04
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
12
SBI AND ITS ASSOCIATES
Items
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
State Bank of Patiala
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
21301
92114
293965
1096984
101.97
121.33
0.60
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
895
11365
91.02
0.47
943
12409
89.52
0.45
1071
12559
95.63
0.52
1121
13573
105.57
0.59
1184
14439
113.50
0.46
31337
600062
170292
435872
37471
645519
181651
463472
40953
680661
172746
514332
47810
794166
220429
629345
53419
886721
239567
737998
1253189
16184449
4729979
13792240
7089300
74295324
26132752
58797025
58041
6316
46763
7939
1.75
59753
6744
44410
9009
2.11
64781
7555
41446
13298
2.97
81211
7510
57859
13234
2.60
95643
7588
71134
15903
2.37
1637677
197442
1065334
370940
2.98
7636115
977866
5138027
1565855
2.79
7.65
3.61
8.12
6.36
3.89
9.37
5.44
4.87
16.09
6.54
4.71
11.74
6.94
4.24
11.02
5.96
3.93
16.20
6.12
4.21
13.02
18.20
0.83
12.60
0.60
16.01
0.79
13.26
1.04
16.65
0.88
13.41
1.21
17.95
0.93
12.30
1.35
13.17
0.68
11.12
1.62
15.29
0.88
12.67
2.04
13.84
1.03
13.88
1.68
13
SBI AND ITS ASSOCIATES
Items
State Bank of Travancore
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
1028
21301
92114
12525
293965
1096984
125.90
101.97
121.33
0.50
0.60
0.83
2008-09
2009-10
2010-11
2011-12
756
11365
65.80
0.50
781
12192
69.60
0.60
826
11735
88.80
0.80
910
12597
106.60
0.42
22499
420411
132317
326014
28406
508834
158444
384613
34635
581579
179270
460442
38662
714698
224376
553460
43650
846237
272255
674836
1253189
16184449
4729979
13792240
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
41232
5731
28406
7994
2.75
43781
5280
29779
9559
2.57
52288
5812
35327
11013
2.60
68961
5809
49984
12299
2.42
86348
6530
65066
14302
2.27
1637677
197442
1065334
370940
2.98
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.08
4.37
13.40
5.58
3.88
15.64
5.40
4.14
15.11
6.20
4.45
12.65
6.88
4.11
11.15
5.96
3.93
16.20
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
30.64
1.30
14.03
0.58
26.88
1.26
13.74
0.91
23.09
1.12
12.54
0.98
13.93
0.65
13.55
1.54
14.94
0.66
11.70
1.46
15.29
0.88
12.67
2.04
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
14
NATIONALISED BANKS
Items
Allahabad Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
2340
20457
70.60
0.38
2367
20959
84.50
0.58
2504
21227
106.30
0.67
2594
22334
121.70
0.84
2794
22557
137.30
0.53
58519
849718
296510
588018
67530
1060558
384286
716049
85074
1318872
432471
936249
105066
1595931
542832
1111451
113525
1787416
583059
1294897
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
73647
11419
52061
13994
2.39
83692
15159
57187
16178
2.42
110147
13704
69922
23383
2.95
155233
12987
103606
26914
3.09
174357
14769
125693
29581
2.51
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.10
4.02
13.23
5.37
4.44
13.79
5.23
4.78
16.69
6.44
4.95
14.06
6.83
3.76
12.79
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
13.88
0.90
13.11
0.72
19.14
1.16
13.62
0.66
18.65
1.11
12.96
0.79
19.64
1.02
12.83
0.98
10.84
0.64
11.03
3.19
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
15
NATIONALISED BANKS
Items
Andhra Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
1471
14255
72.83
0.46
1601
14292
93.90
0.70
1678
14098
116.50
0.90
1757
15099
126.20
0.90
1910
16523
135.50
0.90
36470
593900
169111
441393
44100
776882
208810
561135
64924
921563
242040
714354
74794
1058512
296289
832230
84412
1237956
376324
983733
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
53746
7654
37477
11043
2.60
63729
9646
41781
13495
2.76
82913
8970
50703
17049
3.23
113387
8599
75794
18042
3.22
129097
10474
91527
20372
2.77
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.40
4.36
12.86
5.38
4.92
14.91
5.23
5.26
16.30
6.83
5.17
12.25
7.13
4.25
11.50
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
18.94
1.09
13.22
0.18
25.96
1.39
13.93
0.17
23.24
1.36
14.38
0.38
19.25
1.19
13.18
0.91
16.19
0.99
11.76
2.45
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
16
NATIONALISED BANKS
Items
Bank of Baroda
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
3006
36440
91.40
0.60
3182
38152
98.10
0.80
3447
39385
122.90
1.10
3993
41447
146.60
1.20
4377
43108
168.90
1.00
128797
1923970
524459
1432514
151064
2412619
611824
1750353
210435
3054395
713966
2286764
274769
3848711
832094
2873773
319694
4738833
1213937
3281858
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
150916
27577
99682
35761
2.52
166983
28064
107589
38106
2.35
218859
28092
130837
46298
2.76
296737
34223
193567
51587
2.56
351967
36306
238814
59467
2.28
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
5.25
3.71
17.34
4.37
3.51
16.14
4.19
3.82
16.47
5.00
3.67
12.18
5.04
3.36
11.57
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
18.62
1.09
14.05
0.31
21.86
1.21
14.36
0.34
23.47
1.33
14.52
0.35
20.64
1.24
14.67
0.54
15.07
0.90
13.30
1.28
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
17
NATIONALISED BANKS
Items
Bank of India
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
3118
40155
83.30
0.75
3304
39676
101.10
0.44
3586
39788
128.40
0.62
4088
41537
136.00
0.64
4373
42348
158.20
0.64
134949
1897085
526072
1429094
142300
2297619
670802
1684907
172907
2988858
858724
2130962
209618
3182160
867536
2488333
239182
3818396
946134
2893675
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
163474
30519
108485
30940
2.72
178780
26166
121220
36678
2.30
217517
26418
139410
50682
2.49
284807
33212
201672
49407
2.26
319089
37660
228849
53315
2.16
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
5.69
4.09
13.90
4.97
3.45
14.54
4.53
3.59
18.28
5.69
3.07
12.22
5.66
2.94
11.09
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
24.97
1.49
13.01
0.44
12.56
0.70
12.94
1.31
15.79
0.82
12.17
0.91
14.00
0.72
11.95
1.47
12.25
0.65
11.02
2.06
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
18
NATIONALISED BANKS
Items
Bank of Maharashtra
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
1463
13631
63.60
0.28
1496
13673
76.20
0.32
1577
13861
82.50
0.24
1632
13803
96.70
0.31
1771
13593
125.60
0.56
25172
522549
183821
342908
28584
633041
213239
403147
39709
668447
224911
468808
47227
765287
260314
560598
63969
943369
314303
754708
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
42916
5000
30350
9630
2.34
47356
5912
34393
10729
1.99
55631
5309
35947
16442
2.67
72140
6407
46969
16425
3.00
96134
9120
65801
17966
2.92
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
5.86
4.42
14.50
5.28
3.75
14.53
4.89
4.30
22.09
5.75
4.91
17.56
6.49
4.60
14.18
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
17.46
0.72
12.05
0.79
16.35
0.70
12.78
1.64
9.68
0.47
13.35
1.32
9.91
0.55
12.43
0.84
13.66
0.74
12.59
0.52
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
19
NATIONALISED BANKS
Items
Canara Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
2850
44090
78.02
0.50
3155
43380
98.26
0.74
3365
43397
119.91
0.98
3707
42272
137.44
0.82
3837
42693
142.02
0.70
122078
1868925
577769
1382194
146718
2346514
696770
1693346
200398
2934366
836360
2112683
226900
3270537
1020574
2324898
248778
3558560
1211328
2421766
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
171191
23112
124012
30652
2.36
187520
28579
130714
34776
2.35
229401
28115
152407
44193
2.56
308506
29276
231613
46737
2.17
340779
31530
261989
51420
2.00
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.62
3.82
12.14
5.61
3.46
13.26
5.29
3.67
15.03
6.89
3.68
10.68
7.07
3.20
10.38
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
18.25
1.06
14.10
1.09
22.48
1.30
13.43
1.06
23.20
1.42
15.38
1.10
15.36
0.95
13.76
1.46
12.08
0.77
12.40
2.18
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
20
NATIONALISED BANKS
Items
Central Bank of India
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
3644
32804
56.03
0.17
3704
34826
71.18
0.33
3871
34015
83.52
0.40
4151
35901
86.16
0.15
4429
37113
97.30
0.28
64121
1312718
430607
854832
76922
1621075
505629
1053835
108734
1793560
545045
1297254
124515
1961733
592433
1475129
153129
2260383
726038
1719358
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
104552
10700
82267
18617
1.64
120643
17352
95190
22220
1.54
152206
12650
98952
39990
2.71
191495
13953
139809
37490
2.35
218607
16673
161231
42323
2.30
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.59
3.19
12.61
6.06
3.00
13.15
5.09
4.48
21.33
6.55
3.85
14.14
6.67
3.93
14.21
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
9.25
0.45
13.12
1.24
15.01
0.66
12.23
0.69
13.49
0.70
11.64
0.65
4.57
0.26
12.40
3.09
7.31
0.44
11.49
2.90
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
21
NATIONALISED BANKS
Items
Corporation Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
1079
12465
104.90
0.76
1180
13143
126.87
0.95
1370
13861
157.28
1.09
1512
13813
171.30
1.09
1716
14819
192.13
0.97
Capital and Reserves & Surplus
Deposits
Investments
Advances
48965
739839
249378
485122
57749
927337
345226
632026
71378
1167475
434527
868504
82759
1361422
474746
1004690
95657
1660055
581645
1187166
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
60674
11072
43764
10466
2.20
69877
14933
50843
12600
1.92
91352
12559
61955
16417
2.30
130178
14926
98709
17836
2.05
153341
16079
119082
19968
1.92
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
6.14
3.86
9.46
5.08
3.84
9.96
4.68
3.95
11.42
6.54
3.67
7.84
6.89
3.56
7.12
6.39
3.76
11.81
6.12
4.21
13.02
19.57
1.24
13.61
0.29
21.93
1.28
15.37
0.31
21.89
1.21
14.11
0.46
19.54
1.06
13.00
0.87
16.08
0.88
12.33
1.19
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
22
NATIONALISED BANKS
Items
Dena Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
1125
9883
71.40
0.43
1165
10525
82.70
0.49
1233
9953
107.70
0.62
1286
10202
128.40
0.79
1411
11093
143.10
0.73
21705
430506
124731
288780
26017
513443
156942
354624
36559
642096
187689
448280
44773
771668
230276
566925
57640
972072
343431
657812
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
34475
4301
23831
7682
2.44
40104
5886
29103
8481
2.07
50335
5338
32702
10734
2.75
67941
5822
46931
11547
2.66
88994
6555
65163
12997
2.37
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
5.77
4.12
14.85
5.67
3.68
13.61
5.26
4.26
15.84
6.19
3.98
12.22
6.74
4.39
10.13
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
21.29
1.02
12.07
1.09
21.43
1.01
12.77
1.21
19.55
1.00
13.41
1.22
19.75
1.08
11.51
1.01
15.83
0.86
11.03
1.39
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
23
NATIONALISED BANKS
Items
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
IDBI Bank Ltd.
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
515
10201
203.03
0.84
713
12220
241.74
0.84
821
13598
234.64
1.19
979
15435
238.33
1.32
1085
15465
256.44
1.22
94239
1124010
500476
1034445
101648
1676671
733455
1382019
145676
1804858
682692
1570981
194279
2104926
831754
1805723
212360
2271165
988009
1963064
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
115451
14764
103057
13379
0.82
152613
23017
130052
18314
1.11
185412
21432
142719
22547
1.75
233699
21122
188251
26075
1.67
250643
32195
196912
31344
1.75
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
5.14
4.62
4.89
5.19
3.73
5.10
4.90
4.41
6.21
6.21
4.44
5.41
5.95
4.43
6.74
6.39
3.76
11.81
6.12
4.21
13.02
9.41
0.62
11.57
0.92
10.53
0.53
11.31
1.02
13.35
0.73
13.64
1.06
11.95
0.83
14.58
1.61
9.26
0.72
13.13
1.58
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
24
NATIONALISED BANKS
Items
Indian Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
1680
19993
61.70
0.62
1792
19641
76.10
0.79
1899
19311
93.00
0.89
1994
18710
111.40
0.93
2128
18793
130.10
0.84
71359
725818
228006
513965
82721
882277
282683
621461
95211
1058042
347838
752499
108014
1208038
379760
903236
119724
1419802
418050
1056425
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
68303
10354
42218
15881
3.38
77144
13164
45532
17302
3.41
93610
11819
53249
19263
3.62
122313
12322
78133
21870
3.36
138926
12879
93684
27509
2.97
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.13
5.02
19.84
5.56
4.66
19.30
5.39
4.94
18.38
6.67
4.71
14.84
6.92
3.91
16.29
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
20.26
1.62
13.98
0.18
20.18
1.67
12.71
0.23
19.27
1.53
13.56
0.53
17.19
1.31
13.47
1.33
13.89
1.02
13.08
2.26
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
25
NATIONALISED BANKS
Items
Indian Overseas Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
2012
25512
68.95
0.52
2099
26732
71.20
0.26
2281
25626
100.50
0.42
2733
27201
117.60
0.38
3042
28280
128.80
0.20
71510
1001159
312154
748853
75246
1107947
376506
789992
93249
1452288
486105
1118330
119277
1784342
555659
1407244
134574
2021353
614173
1603641
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
96414
15958
67718
19417
2.57
102458
11433
70779
24665
2.51
121015
12251
78934
25725
2.72
178891
16810
128729
31631
2.52
206767
19729
154248
34078
2.26
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.42
4.36
14.60
6.14
3.81
18.18
5.55
3.72
16.64
7.02
3.73
12.99
7.22
3.35
11.94
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
22.07
1.17
13.20
1.33
9.63
0.53
14.78
2.52
12.73
0.71
14.55
1.19
9.88
0.52
13.32
1.35
4.47
0.24
11.85
2.50
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
26
NATIONALISED BANKS
Items
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
Oriental Bank of Commerce
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
2005
54478
92114
18891
507694
1096984
162.03
142.23
121.33
0.70
0.65
0.83
2008-09
2009-10
2010-11
2011-12
1472
14656
114.24
0.62
1580
15358
133.12
0.74
1693
16964
141.80
0.90
1821
18371
146.22
0.62
74034
983688
284890
685004
82379
1202576
357853
834893
110971
1390543
495454
959082
119425
1559649
521013
1119777
127755
1758975
585547
1289551
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
88565
10713
68600
13978
1.96
102571
12000
73497
16860
2.33
120878
9601
79103
18925
2.80
158149
12402
115991
23155
2.49
177048
16547
130036
26652
2.49
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
7.27
3.32
9.34
6.21
3.75
10.75
5.56
4.43
10.70
7.36
4.26
9.75
7.35
4.08
10.06
6.39
3.76
11.81
6.12
4.21
13.02
13.51
0.88
12.98
0.65
14.51
0.91
12.54
0.87
15.55
1.03
14.23
0.98
9.91
0.67
12.69
2.21
10.74
0.71
12.04
2.27
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
27
NATIONALISED BANKS
Items
Punjab and Sind Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
930
8700
65.60
0.50
936
8259
96.30
0.60
983
8107
119.00
0.60
1045
8041
130.20
0.60
1138
8533
137.00
0.40
21403
346757
126274
246153
26156
491551
178868
326391
38034
597232
186437
426378
42489
631240
200641
461514
46041
706415
225425
514308
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
32472
4077
22353
6978
2.80
39342
4118
27502
7182
2.42
49325
4371
33721
9840
2.49
64745
4175
49734
11585
2.12
73401
4172
56991
11193
2.14
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.54
5.04
17.91
5.75
3.87
15.27
5.57
4.01
17.35
7.43
3.72
13.58
7.90
3.80
11.34
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
20.37
1.24
14.35
0.32
21.40
1.05
13.10
0.36
16.39
0.90
12.94
0.56
11.21
0.65
13.26
1.19
7.66
0.44
12.91
2.16
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
28
NATIONALISED BANKS
Items
Punjab National Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
4536
54780
65.49
0.56
5056
57103
80.80
0.73
5256
53114
101.78
0.84
5777
62127
113.20
0.84
5977
63292
116.51
0.81
146536
2097605
633852
1547030
177229
2493298
777245
1866012
215086
3128987
951623
2421067
278154
3795885
1227030
2937748
326769
3915601
1298962
3087252
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
191272
30647
122953
42062
3.06
214221
36101
129440
47619
3.12
269865
36126
151791
63642
3.50
364761
42026
230617
70028
3.21
418933
42159
270368
81651
3.17
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
5.93
4.71
17.72
4.90
4.87
17.63
4.58
5.26
20.71
5.73
4.88
15.71
6.11
4.46
16.12
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
22.92
1.39
14.03
0.17
24.12
1.44
14.16
0.53
22.60
1.34
12.42
0.85
19.80
1.19
12.63
1.52
15.70
1.00
12.72
2.35
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
29
NATIONALISED BANKS
Items
Syndicate Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
2343
25068
75.07
0.36
2429
25569
74.68
0.32
2623
28509
87.54
0.40
2828
26904
107.41
0.53
3041
26606
125.70
0.81
50100
1158851
305372
815323
56270
1170258
330109
904064
70508
1355961
350676
1067819
90412
1579411
408151
1236202
105413
1853559
456477
1475690
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
95254
9147
69776
17910
2.15
100472
11675
73074
20336
2.03
114509
9151
70681
25481
2.97
152684
10759
101833
28141
3.00
171207
11744
116666
31788
2.74
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.08
4.06
12.77
5.42
3.53
14.32
4.60
4.73
18.44
6.00
4.74
14.55
5.91
4.07
14.68
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
19.63
0.81
12.68
0.77
15.29
0.62
12.70
1.07
16.53
0.76
13.04
0.97
16.32
0.81
12.24
0.96
20.47
1.07
12.59
0.76
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
30
NATIONALISED BANKS
Items
UCO Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
2113
23736
73.20
0.24
2195
23264
86.40
0.44
2248
23026
106.90
0.42
2436
23147
116.40
0.51
2646
24109
118.90
0.27
39570
1002216
293848
688039
52105
1224156
435214
825045
74192
1452776
429273
990708
86134
1540035
457715
1155400
96824
1734310
522449
1282829
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
81214
10199
64767
14630
1.63
95263
9659
72022
15844
1.87
113708
9254
75259
20754
2.56
146324
9656
107303
20562
2.27
167517
9522
121702
21766
2.42
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.50
3.50
12.56
5.78
3.61
12.04
5.03
4.34
15.42
6.44
4.17
10.82
6.68
3.87
9.71
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
16.20
0.59
11.93
1.18
22.08
0.87
13.21
1.17
14.36
0.66
13.71
1.84
13.83
0.69
12.35
1.96
6.76
0.33
14.15
3.17
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
31
NATIONALISED BANKS
Items
Union Bank of India
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
2684
29014
69.40
0.63
2941
29419
85.30
0.75
3150
27746
104.30
0.80
3344
30838
107.00
0.60
3660
31798
121.50
0.70
87404
1387028
429970
965342
104238
1700397
544035
1193153
127645
2024613
583991
1509861
146331
2228689
623636
1778821
172962
2637616
808304
2081022
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
118894
14826
80758
22141
2.68
133027
19747
91103
25078
2.35
164526
20388
102364
39500
2.88
210285
24482
142354
39875
2.73
251247
25520
175819
45122
2.63
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.03
4.39
11.19
5.28
3.70
11.66
4.89
4.02
18.33
5.93
3.81
13.61
6.37
3.55
12.47
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
21.46
1.27
13.27
0.34
21.65
1.25
12.51
0.81
17.96
1.05
12.95
1.19
13.05
0.79
11.85
1.70
13.52
0.79
11.45
1.61
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
32
NATIONALISED BANKS
Items
United Bank of India
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
1485
15111
58.50
0.12
1564
15285
71.40
0.21
1601
15062
86.00
0.35
1659
15500
97.10
0.41
1706
15479
108.30
0.25
30778
545359
179242
353935
39029
681803
260677
423300
50217
778448
262589
535024
55797
891163
290588
630433
58837
1006515
334634
689087
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
43119
4909
31504
9751
2.00
52489
5587
38577
10741
2.00
63415
6371
41721
12994
2.60
79611
7329
54819
13833
2.58
92515
10666
67642
15039
2.30
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
5.78
3.72
15.94
5.92
3.55
13.43
5.17
4.50
14.88
5.88
4.47
12.98
6.39
4.06
11.28
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
6.44
0.34
13.28
1.48
9.24
0.45
12.80
1.84
11.74
0.66
13.05
1.42
11.93
0.70
12.69
1.72
6.84
0.38
11.66
2.87
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
33
NATIONALISED BANKS
Items
Vijaya Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
54478
92114
507694
1096984
142.23
121.33
0.65
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
1175
11975
75.60
0.23
1231
11565
83.60
0.45
1276
11079
92.80
0.63
1377
11838
112.80
0.50
1432
12601
124.00
0.50
31493
545354
173877
354677
34752
619317
211074
415067
48170
732483
251386
487186
52522
830555
286438
579037
55587
970172
312850
697658
2832832
41272523
12861079
30935500
7089300
74295324
26132752
58797025
52378
6988
41130
9247
1.90
52006
6795
37516
10716
2.19
58441
5332
38973
14333
2.56
79881
5279
60846
12014
2.14
90519
6070
71739
13630
1.82
3911088
370370
2813956
647182
2.39
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
7.15
4.25
11.86
5.84
4.13
14.63
5.23
4.06
18.96
7.10
4.24
10.16
7.14
3.52
9.94
6.39
3.76
11.81
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
9.36
0.59
13.15
0.82
15.32
0.76
12.50
1.40
12.63
0.72
13.88
1.52
11.54
0.66
13.06
1.72
10.83
0.59
11.32
1.30
12.34
0.74
12.26
2.00
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
34
OLD PRIVATE SECTOR BANKS
Items
Catholic Syrian Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
6283
92114
66208
1096984
97.24
121.33
0.75
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
377
2676
37.40
0.14
378
2696
41.90
0.01
377
2820
53.70
0.05
385
2651
67.50
0.10
403
2817
73.60
0.12
Capital and Reserves & Surplus
Deposits
Investments
Advances
3883
63328
21840
36838
3898
69784
22894
44669
5451
87257
26903
62200
5655
106049
31451
76635
7576
123416
33011
88515
330127
3738964
1344993
2699373
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
5566
996
3909
1865
2.55
5780
740
4552
1891
1.67
7621
745
5140
2890
2.83
10756
852
7686
2988
2.81
13209
946
9816
3318
2.64
399275
41452
278598
77459
2.94
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.50
5.26
20.65
6.61
3.63
18.11
6.20
5.05
26.43
7.36
5.05
19.89
8.07
4.94
17.81
7.27
4.88
12.28
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
10.72
0.57
12.29
2.39
0.43
0.02
10.82
1.58
2.60
0.14
11.22
1.74
4.66
0.24
11.08
1.10
4.94
0.25
12.29
1.12
16.22
1.26
13.73
0.77
13.84
1.03
13.88
1.68
35
OLD PRIVATE SECTOR BANKS
Items
City Union Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
6283
92114
66208
1096984
97.24
121.33
0.75
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
210
2424
56.52
0.50
225
2628
65.10
0.60
249
2840
78.10
0.80
303
3347
84.70
0.80
377
3785
93.80
0.90
Capital and Reserves & Surplus
Deposits
Investments
Advances
6609
82066
23975
56453
8256
102846
32104
68335
10066
129143
36162
92555
12431
163408
45862
121375
16407
203048
52668
152461
330127
3738964
1344993
2699373
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
8044
1237
5618
1395
2.92
9566
1435
6785
1659
2.67
12184
1574
7984
2164
3.21
16968
2071
11970
2798
3.03
21888
2736
15647
3742
3.02
399275
41452
278598
77459
2.94
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
7.61
5.27
9.26
7.27
4.85
9.49
6.74
5.26
10.01
7.95
5.03
8.28
8.16
5.07
7.78
7.27
4.88
12.28
6.12
4.21
13.02
19.90
1.50
12.69
1.08
20.55
1.52
13.46
0.58
23.47
1.67
12.75
0.52
24.91
1.71
12.57
0.44
22.33
1.58
13.98
0.63
16.22
1.26
13.73
0.77
13.84
1.03
13.88
1.68
Return on Equity
Return on Assets
CRAR
Net NPA ratio
36
OLD PRIVATE SECTOR BANKS
Items
Dhanlaxmi Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
6283
92114
66208
1096984
97.24
121.33
0.75
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
190
1402
58.59
0.41
282
3275
36.96
0.07
289
3665
58.92
0.07
294
3468
59.29
-0.33
294
2601
72.97
0.01
Capital and Reserves & Surplus
Deposits
Investments
Advances
4245
49688
15674
31961
4401
70985
20278
50063
8446
125296
36397
90652
7282
118044
43602
87581
7660
112021
46845
77771
330127
3738964
1344993
2699373
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
4084
794
2868
1131
2.51
5346
910
3940
1929
2.05
9064
1468
6413
3445
2.37
13937
1436
11461
4890
1.71
13080
1143
10316
3393
1.94
399275
41452
278598
77459
2.94
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.53
4.50
15.65
6.15
4.07
18.59
6.00
3.94
20.44
8.25
3.82
16.75
7.28
4.47
13.62
7.27
4.88
12.28
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
19.26
1.21
15.38
0.88
5.39
0.35
12.99
0.84
4.06
0.23
11.80
0.30
-14.70
-0.73
9.49
0.66
0.35
0.02
11.06
3.36
16.22
1.26
13.73
0.77
13.84
1.03
13.88
1.68
37
OLD PRIVATE SECTOR BANKS
Items
Federal Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
6283
92114
66208
1096984
97.24
121.33
0.75
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
639
7570
75.00
0.69
700
7896
81.30
0.60
771
8270
92.30
0.70
978
8745
101.10
0.90
1128
10059
107.50
0.90
43259
321982
121190
223919
46904
360580
130546
269501
51087
430148
145377
319532
57063
489371
174025
377560
63647
576149
211546
440967
330127
3738964
1344993
2699373
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
33154
5158
19999
5715
3.69
36732
5309
22624
6769
3.42
40520
5168
23054
8361
3.67
55584
5323
36050
9793
3.49
61676
6644
41929
11795
3.00
399275
41452
278598
77459
2.94
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.32
6.10
12.35
6.11
5.44
12.45
5.26
5.49
15.29
6.89
5.13
11.86
6.75
4.57
11.66
7.27
4.88
12.28
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
12.13
1.48
20.22
0.30
10.30
1.15
18.36
0.48
11.98
1.34
16.79
0.60
14.37
1.41
16.64
0.53
13.89
1.35
14.73
0.98
16.22
1.26
13.73
0.77
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
38
OLD PRIVATE SECTOR BANKS
Items
ING Vysya Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
6283
92114
66208
1096984
97.24
121.33
0.75
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
474
6086
60.64
0.30
497
6113
62.38
0.39
527
6909
67.48
0.45
547
9642
55.98
0.46
562
9381
64.43
0.63
17029
248895
104955
167564
23309
258653
104729
185072
26243
301942
110583
236021
39798
351954
127155
287214
46268
413340
182782
317720
330127
3738964
1344993
2699373
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
22399
5477
15903
7725
2.26
22329
6202
14031
8081
2.52
26941
6550
16875
10260
2.76
38568
6698
26485
11102
2.81
48616
7269
33230
12728
3.02
399275
41452
278598
77459
2.94
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
5.84
5.29
16.60
4.10
5.59
19.39
4.40
5.26
22.32
6.38
4.58
17.32
6.70
5.04
16.33
7.27
4.88
12.28
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
11.66
0.70
11.65
1.20
12.01
0.80
14.91
1.20
12.86
0.89
12.94
0.39
13.82
1.09
14.00
0.18
14.24
1.26
13.24
0.03
16.22
1.26
13.73
0.77
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
39
OLD PRIVATE SECTOR BANKS
Items
Jammu & Kashmir Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
6283
92114
66208
1096984
97.24
121.33
0.75
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
552
7627
50.00
0.50
553
7790
73.10
0.70
572
7938
85.60
0.80
626
9258
88.60
0.90
704
9400
104.90
1.10
26229
330041
107363
209304
30105
372372
139562
230572
34787
446759
196958
261936
40932
533469
216243
330774
48647
642206
257411
392004
330127
3738964
1344993
2699373
7089300
74295324
26132752
58797025
29717
2615
19879
4709
2.79
30569
4162
19375
5774
2.79
37131
3648
21695
7589
3.32
48356
3341
29972
8022
3.32
61368
4837
38208
9890
3.51
399275
41452
278598
77459
2.94
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.28
5.25
11.34
5.32
5.33
14.57
5.03
5.65
17.88
5.86
5.59
13.72
6.28
5.66
13.56
7.27
4.88
12.28
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
16.72
1.09
14.48
1.38
18.19
1.20
15.89
0.28
18.96
1.22
13.72
0.20
21.22
1.56
13.36
0.15
23.56
1.70
12.83
0.14
16.22
1.26
13.73
0.77
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
40
OLD PRIVATE SECTOR BANKS
Items
Karnataka Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
6283
92114
66208
1096984
97.24
121.33
0.75
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
469
4947
64.90
0.50
486
5244
72.70
0.30
501
5795
77.10
0.40
527
6087
85.90
0.40
574
6339
96.60
0.50
15670
203333
89615
118100
18327
237306
99920
144357
24291
273364
115063
173481
25982
316083
128412
207207
28571
360562
134325
252077
330127
3738964
1344993
2699373
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
19488
3218
14438
3465
2.39
19760
3787
17078
3860
1.08
23708
2918
17584
5490
2.09
31010
3463
23689
5682
2.15
37643
3976
28606
6660
2.32
399275
41452
278598
77459
2.94
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
7.56
4.72
10.64
7.45
3.14
9.88
6.40
4.35
14.96
7.49
4.92
11.06
7.90
4.37
10.64
7.27
4.88
12.28
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
18.10
1.25
13.48
0.98
9.83
0.67
12.37
1.31
9.60
0.72
13.33
1.62
9.79
0.73
12.84
2.11
12.76
0.89
13.22
1.51
16.22
1.26
13.73
0.77
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
41
OLD PRIVATE SECTOR BANKS
Items
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
Karur Vysya Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
6283
92114
66208
1096984
97.24
121.33
0.75
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
343
3941
63.80
0.60
369
4175
78.90
0.81
404
4572
92.60
0.91
487
5673
98.40
0.88
592
6730
101.40
0.82
13502
151014
47160
104099
16200
192719
66022
134470
21145
247219
77318
178145
27082
321116
105061
239492
30852
386530
138373
294801
330127
3738964
1344993
2699373
7089300
74295324
26132752
58797025
14461
2652
10357
2576
2.59
17579
2470
11930
3487
2.90
22177
2643
14508
4306
3.06
32704
3501
23532
5416
2.79
42424
4526
30840
7622
2.75
399275
41452
278598
77459
2.94
7636115
977866
5138027
1565855
2.79
7.36
4.14
9.50
6.79
4.42
10.59
6.31
4.45
12.20
7.64
4.51
9.13
7.62
4.64
8.93
7.27
4.88
12.28
6.12
4.21
13.02
18.57
1.49
14.92
0.25
22.63
1.76
14.49
0.23
22.26
1.71
14.41
0.07
20.81
1.56
14.33
0.33
19.00
1.35
14.41
0.37
16.22
1.26
13.73
0.77
13.84
1.03
13.88
1.68
42
OLD PRIVATE SECTOR BANKS
Items
Lakshmi Vilas Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
6283
92114
66208
1096984
97.24
121.33
0.75
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
265
2433
51.00
0.21
285
2655
56.00
0.11
289
2626
71.90
0.39
310
3054
78.70
0.35
311
3149
86.30
0.29
Capital and Reserves & Surplus
Deposits
Investments
Advances
4537
73609
18631
52362
7390
90754
29832
62775
8924
111495
35189
80944
9584
141141
43951
101887
10143
156190
43245
117028
330127
3738964
1344993
2699373
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
6576
1070
5041
1517
2.07
9093
1036
6602
1865
2.65
10648
1370
6998
2281
3.07
15193
1579
11480
2937
2.52
17605
1971
13685
3379
2.32
399275
41452
278598
77459
2.94
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
7.56
3.83
11.96
7.81
4.70
10.92
6.58
5.03
12.53
8.64
4.34
9.80
8.89
3.84
9.24
7.27
4.88
12.28
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
11.54
0.71
10.29
1.24
5.14
0.33
14.82
4.11
12.40
0.91
13.19
0.90
11.56
0.73
13.10
1.74
9.28
0.54
12.32
2.43
16.22
1.26
13.73
0.77
13.84
1.03
13.88
1.68
43
OLD PRIVATE SECTOR BANKS
Items
Nainital Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
6283
92114
66208
1096984
97.24
121.33
0.75
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
94
650
42.50
0.60
103
692
52.10
0.60
103
816
58.50
0.60
104
851
65.60
0.80
110
830
74.80
0.70
Capital and Reserves & Surplus
Deposits
Investments
Advances
1753
21372
5606
11315
2398
25075
7067
12884
3230
28249
7907
16784
3669
34775
11331
19152
4007
37236
10356
21552
330127
3738964
1344993
2699373
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
2091
104
1164
390
4.12
2241
164
1306
448
3.52
2568
113
1407
559
3.76
3419
224
2011
723
3.88
3927
303
2461
801
3.54
399275
41452
278598
77459
2.94
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
5.79
6.84
16.70
5.55
5.40
15.77
5.26
5.61
17.77
6.37
5.96
18.03
6.82
5.78
16.49
7.27
4.88
12.28
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
22.45
1.68
13.10
0.00
20.90
1.72
15.68
0.00
16.24
1.56
16.35
0.00
17.74
1.75
15.09
0.00
13.31
1.30
14.43
0.00
16.22
1.26
13.73
0.77
13.84
1.03
13.88
1.68
44
OLD PRIVATE SECTOR BANKS
Items
Ratnakar Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
6283
92114
66208
1096984
97.24
121.33
0.75
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
87
566
37.30
0.50
90
707
39.10
0.30
102
907
43.50
0.10
103
1328
60.70
0.50
126
1859
73.90
0.50
Capital and Reserves & Surplus
Deposits
Investments
Advances
3412
13070
4045
8011
3530
15850
5072
11704
10850
20422
8925
19052
11432
47393
23338
41323
16067
83405
55714
63762
330127
3738964
1344993
2699373
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
1379
157
744
333
3.99
1442
132
852
387
3.11
1892
186
940
945
3.58
4651
671
2783
1391
3.58
8793
1264
6218
2273
2.55
399275
41452
278598
77459
2.94
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.14
5.02
19.04
5.86
3.86
18.47
5.16
3.56
38.34
6.80
4.71
20.16
7.15
4.59
14.73
7.27
4.88
12.28
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
9.19
1.96
42.30
0.68
5.50
1.05
34.07
0.97
1.71
0.53
56.41
0.36
5.90
1.38
23.20
0.20
6.73
1.06
17.11
0.11
16.22
1.26
13.73
0.77
13.84
1.03
13.88
1.68
45
OLD PRIVATE SECTOR BANKS
Items
South Indian Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
6283
92114
66208
1096984
97.24
121.33
0.75
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
541
4523
64.50
0.40
591
4860
77.10
0.50
653
5619
91.80
0.50
713
5630
107.90
0.70
762
6087
120.10
0.80
13040
180923
60752
118479
14853
230115
71556
158229
18473
297211
89238
204887
21704
365005
93999
272807
30062
442623
125235
318155
330127
3738964
1344993
2699373
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
16869
1643
11640
3285
2.79
19357
2085
13674
3662
2.48
24460
1967
16549
4625
2.71
35834
2471
25617
6173
2.79
44343
3349
31535
7672
2.84
399275
41452
278598
77459
2.94
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.83
4.56
14.35
6.42
4.56
13.06
6.11
4.52
13.69
7.56
4.45
11.77
7.54
4.56
12.05
7.27
4.88
12.28
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
15.80
1.09
14.76
1.13
16.76
1.07
15.39
0.39
17.56
1.05
14.01
0.29
19.99
1.12
14.00
0.28
19.41
1.17
13.91
0.78
16.22
1.26
13.73
0.77
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
46
OLD PRIVATE SECTOR BANKS
Items
Tamilnad Mercantile Bank
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
340
6283
92114
3171
66208
1096984
113.32
97.24
121.33
1.39
0.75
0.83
2008-09
2009-10
2010-11
2011-12
No. of offices
No. of employees
Business per employee
Profit per employee
230
2337
67.93
0.64
233
2267
87.02
0.81
250
2531
95.92
0.99
296
2855
106.88
1.10
Capital and Reserves & Surplus
Deposits
Investments
Advances
9885
95660
32072
65717
11482
116393
34992
82876
13660
137933
37671
107587
16348
171104
48903
137789
20221
202238
53483
162560
330127
3738964
1344993
2699373
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
9771
1358
6434
2043
3.32
11184
1728
7439
2314
3.02
13710
1883
8272
2980
3.66
18824
2317
12320
3490
3.57
24704
2487
16108
4185
3.91
399275
41452
278598
77459
2.94
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
7.41
5.06
14.67
6.96
4.54
14.76
6.42
4.92
17.33
7.71
4.81
13.47
8.21
5.58
11.94
7.27
4.88
12.28
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
16.27
1.51
16.05
0.34
17.27
1.54
15.54
0.24
19.96
1.74
15.13
0.27
20.89
1.75
14.69
0.45
24.08
2.00
15.01
0.66
16.22
1.26
13.73
0.77
13.84
1.03
13.88
1.68
47
NEW PRIVATE SECTOR BANKS
Items
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
Axis Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
9718
92114
203733
1096984
93.03
121.33
1.18
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
831
20624
106.00
1.00
1035
21640
111.10
1.20
1466
26341
136.60
1.40
1701
31738
127.60
1.40
2019
37901
121.50
1.50
102148
1173741
463304
815568
160446
1413002
559748
1043409
189988
1892378
719916
1424078
228085
2201043
931921
1697595
331079
2526136
1137375
1969660
1599334
10219391
4916070
8733113
7089300
74295324
26132752
58797025
108355
28969
71493
28582
2.87
116380
39458
66335
37097
3.05
151548
46321
85918
47794
3.10
219946
54202
139769
60071
3.04
271826
65511
175163
69142
3.09
1265589
256475
792733
327392
3.30
7636115
977866
5138027
1565855
2.79
5.74
4.83
9.97
4.03
4.57
12.14
4.10
4.34
12.07
5.29
4.57
10.41
5.62
4.83
9.73
5.77
5.57
11.40
6.12
4.21
13.02
19.12
1.44
13.69
0.40
19.15
1.67
15.80
0.40
19.34
1.68
12.65
0.29
20.29
1.68
13.66
0.27
18.53
1.70
17.00
0.36
16.51
1.74
17.52
0.45
13.84
1.03
13.88
1.68
48
NEW PRIVATE SECTOR BANKS
Items
Development Credit Bank
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
124
9718
92114
2220
203733
1096984
67.40
93.03
121.33
0.50
1.18
0.83
2008-09
2009-10
2010-11
2011-12
No. of offices
No. of employees
Business per employee
Profit per employee
110
1942
37.90
-0.40
110
1591
51.50
-0.50
110
2174
49.10
0.10
114
2053
51.40
0.20
Capital and Reserves & Surplus
Deposits
Investments
Advances
5983
46469
16217
32740
6011
47873
20179
34597
6215
56102
22950
42817
8614
63356
25178
52844
10031
83638
33587
65861
1599334
10219391
4916070
8733113
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
6452
1201
4480
2420
2.92
4590
1075
3174
2008
2.34
5363
1121
3471
2152
2.79
7170
1004
4893
2443
2.83
9161
1170
6317
2753
2.85
1265589
256475
792733
327392
3.30
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
7.43
6.04
15.14
5.87
4.82
16.99
5.68
4.73
18.92
6.88
4.33
16.98
7.08
4.91
15.20
5.77
5.57
11.40
6.12
4.21
13.02
-14.27
-1.25
13.30
3.88
-13.08
-1.30
14.85
3.11
3.51
0.30
13.25
0.96
7.43
0.68
15.41
0.57
10.95
1.06
13.61
0.75
16.51
1.74
17.52
0.45
13.84
1.03
13.88
1.68
Return on Equity
Return on Assets
CRAR
Net NPA ratio
49
NEW PRIVATE SECTOR BANKS
Items
HDFC Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
9718
92114
203733
1096984
93.03
121.33
1.18
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
1422
52687
44.60
0.42
1736
51888
59.00
0.60
1999
55752
65.30
0.74
2553
66076
65.40
0.80
3046
69401
75.00
1.00
146518
1428116
588175
988830
215225
1674044
586076
1258306
253793
2085864
709294
1599827
299247
2467064
974829
1954200
362141
2962470
1116136
2397206
1599334
10219391
4916070
8733113
7089300
74295324
26132752
58797025
163323
32906
89111
55328
4.69
161727
39831
77863
59398
4.13
199282
43352
93851
71529
4.22
278742
57836
149896
92776
4.19
350649
68526
192538
112361
4.28
1265589
256475
792733
327392
3.30
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.92
8.04
15.50
4.66
6.11
16.68
4.64
5.91
17.15
6.06
5.83
14.01
6.41
5.92
13.01
5.77
5.57
11.40
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
17.17
1.28
15.69
0.63
16.30
1.53
17.44
0.31
16.74
1.58
16.22
0.19
18.69
1.77
16.52
0.18
20.34
1.90
16.80
0.20
16.51
1.74
17.52
0.45
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
50
NEW PRIVATE SECTOR BANKS
Items
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
ICICI Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
9718
92114
203733
1096984
93.03
121.33
1.18
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
1434
51835
115.40
1.10
1721
41068
76.50
0.90
2565
56969
73.50
1.00
2786
58276
70.80
1.10
3134
62065
73.50
1.40
495330
2183478
1030583
2183108
516184
2020166
1208928
1812056
550909
2256021
1346860
2163659
604052
2555000
1595600
2537277
667060
2926136
1713936
2902494
1599334
10219391
4916070
8733113
7089300
74295324
26132752
58797025
310925
76037
227259
70451
2.15
257069
74777
175926
58598
2.19
259741
66479
169572
66172
2.34
335427
75028
228085
78504
2.40
400756
83457
262092
90129
2.70
1265589
256475
792733
327392
3.30
7636115
977866
5138027
1565855
2.79
5.72
4.33
6.62
4.18
4.51
8.21
3.59
4.68
11.95
4.32
5.10
11.47
4.55
5.50
11.05
5.77
5.57
11.40
6.12
4.21
13.02
7.80
0.98
15.53
2.09
7.96
1.13
19.41
2.12
9.65
1.35
19.54
1.11
11.20
1.50
18.52
0.73
13.10
1.70
18.74
0.77
16.51
1.74
17.52
0.45
13.84
1.03
13.88
1.68
51
NEW PRIVATE SECTOR BANKS
Items
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
IndusInd Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
9718
92114
203733
1096984
93.03
121.33
1.18
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
196
4251
83.60
0.35
233
5383
83.75
0.65
323
7008
84.40
0.82
423
9370
78.84
0.86
521
11502
84.05
0.92
16644
221103
80834
157706
23972
267102
104018
205506
40502
343654
135508
261656
47417
423615
145719
350640
76303
541167
196542
443206
1599334
10219391
4916070
8733113
7089300
74295324
26132752
58797025
23095
4563
18504
5470
1.80
27070
5535
18206
7360
2.81
35894
7137
22129
10085
3.40
53592
10118
36549
13430
3.30
69832
13630
47504
17564
3.41
1265589
256475
792733
327392
3.30
7636115
977866
5138027
1565855
2.79
7.53
5.03
7.81
5.69
5.95
11.37
5.35
6.79
11.88
7.19
6.58
9.71
7.48
6.66
10.17
5.77
5.57
11.40
6.12
4.21
13.02
9.84
0.58
12.55
1.14
17.25
1.14
15.33
0.50
17.91
1.46
15.89
0.28
18.26
1.57
13.85
0.27
17.15
1.63
15.36
0.31
16.51
1.74
17.52
0.45
13.84
1.03
13.88
1.68
52
NEW PRIVATE SECTOR BANKS
Items
Kotak Mahindra Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
9718
92114
203733
1096984
93.03
121.33
1.18
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
225
8227
34.70
0.30
257
8804
48.70
0.70
329
10400
53.50
0.80
363
12540
61.30
0.90
446
13620
68.60
1.00
39055
156440
91102
166253
45399
238865
125127
207751
68334
292610
171214
293293
79808
385365
215668
390792
94645
510288
288734
484690
1599334
10219391
4916070
8733113
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
30651
2736
15466
11964
5.33
32556
6282
13975
11894
5.62
41898
7805
20922
15533
4.75
61802
9773
36677
18348
4.31
80425
11607
48368
22097
4.29
1265589
256475
792733
327392
3.30
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
6.00
9.50
21.28
4.50
9.01
22.56
5.20
7.63
21.50
6.82
7.41
16.40
6.95
7.09
15.26
5.77
5.57
11.40
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
7.36
1.03
20.01
2.39
13.29
1.72
18.35
1.73
14.39
1.77
19.92
0.72
14.65
1.83
17.52
0.61
15.60
1.81
16.05
0.64
16.51
1.74
17.52
0.45
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
53
NEW PRIVATE SECTOR BANKS
Items
Yes Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
9718
92114
203733
1096984
93.03
121.33
1.18
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
118
2671
98.84
1.14
151
2906
162.38
1.68
215
3929
222.03
2.09
357
5642
174.77
2.04
428
7024
177.42
2.10
16242
161694
71170
124031
30896
267986
102099
221931
37941
459389
188288
343636
46766
491517
277573
379886
58077
669556
429760
469996
1599334
10219391
4916070
8733113
7089300
74295324
26132752
58797025
20014
4369
14921
4185
2.55
23697
5755
15818
5002
2.66
40417
6233
27948
6798
2.61
63074
8571
46917
9325
2.44
82940
12574
60752
13345
2.57
1265589
256475
792733
327392
3.30
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
8.67
4.96
11.41
6.05
4.19
12.34
6.54
4.03
10.43
8.05
4.19
8.45
8.01
4.69
8.85
5.77
5.57
11.40
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
20.65
1.59
16.60
0.33
20.27
1.79
20.60
0.06
21.13
1.58
16.50
0.03
23.07
1.57
17.90
0.05
24.81
1.57
18.30
0.01
16.51
1.74
17.52
0.45
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
54
FOREIGN BANKS
Items
AB Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
1
27
21.57
1.41
1
28
20.46
1.75
1
31
32.66
1.71
1
27
44.26
3.02
1
32
26.13
2.50
Capital and Reserves & Surplus
Deposits
Investments
Advances
489
311
109
286
536
337
159
173
589
553
138
719
671
447
162
670
751
1214
251
625
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
45
76
7
41
4.79
33
125
4
67
3.39
40
160
3
85
3.63
51
187
6
94
3.90
69
183
13
101
3.56
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
2.32
9.36
20.25
1.34
8.80
14.52
0.61
5.71
11.82
1.10
3.33
12.43
1.61
4.25
11.04
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
7.91
4.75
50.67
6.67
9.21
5.58
30.01
7.68
9.43
4.53
30.57
0.00
12.96
7.05
34.36
0.00
11.24
5.03
19.10
8.98
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
55
FOREIGN BANKS
Items
Abu Dhabi Commercial Bank
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
2
334
92114
51
25384
1096984
271.80
217.33
121.33
3.57
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2
40
176.00
4.20
2
41
154.26
1.86
2
43
160.77
1.91
2
47
163.51
3.40
Capital and Reserves & Surplus
Deposits
Investments
Advances
1233
5086
1947
1373
1309
5229
2457
1524
1391
5650
2202
1803
3092
6234
2265
2892
3274
7043
2326
5198
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
478
53
200
131
4.51
411
33
201
131
3.16
428
35
244
146
2.27
760
47
403
176
3.30
1176
67
694
245
3.37
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
4.20
7.54
16.30
3.89
4.57
20.89
3.74
4.54
21.47
4.86
5.11
16.63
6.50
2.53
14.79
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
14.22
2.40
47.57
0.00
6.00
1.13
44.79
0.19
6.09
1.12
45.25
2.89
7.28
1.87
80.88
0.00
5.72
1.40
66.82
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
56
FOREIGN BANKS
Items
American Express Banking Corp.
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
2
334
92114
648
25384
1096984
33.03
217.33
121.33
-1.12
4.56
0.83
2008-09
2009-10
2010-11
2011-12
No. of offices
No. of employees
Business per employee
Profit per employee
2
857
13.38
0.00
2
870
13.76
0.00
2
971
16.77
0.27
2
623
30.12
0.06
Capital and Reserves & Surplus
Deposits
Investments
Advances
4810
3299
2134
6950
4810
5690
2213
8747
6244
5194
2390
10781
6254
5013
3412
14741
7604
6747
3909
17103
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
774
3348
812
3746
-0.31
638
3146
321
3214
2.36
622
3978
381
4162
1.50
783
5046
807
4825
-0.12
886
5576
1173
5602
-1.23
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
19.06
-10.55
22.38
6.17
1.03
24.40
5.83
-0.76
22.45
9.17
-4.75
19.09
10.61
-6.85
15.96
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
-21.80
-7.92
21.34
4.34
-10.46
-4.24
19.10
1.59
4.72
1.67
23.61
1.50
0.64
0.20
19.30
1.19
-10.50
-3.23
18.17
1.87
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
57
FOREIGN BANKS
Items
Antwerp Diamond Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
1
24
337.20
7.08
1
24
195.56
-0.79
1
25
259.23
-6.01
1
24
387.45
5.72
1
28
287.20
5.09
Capital and Reserves & Surplus
Deposits
Investments
Advances
2186
808
2148
7003
2167
571
1946
4461
2023
548
1649
5997
2160
768
1592
8878
2302
795
1391
7603
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
484
134
225
85
2.95
343
153
80
108
3.14
287
108
73
120
2.66
437
179
198
141
2.33
572
241
214
175
3.31
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
3.33
2.33
11.73
1.14
3.36
23.24
0.67
2.67
36.78
1.07
2.35
23.33
1.04
4.36
22.33
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
7.39
1.64
26.79
3.35
-0.87
-0.25
33.72
14.32
-6.88
-1.72
33.73
3.04
6.57
1.20
25.60
1.96
6.39
1.31
32.72
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
58
FOREIGN BANKS
Australia and New Zealand Banking Group
(Amount in ` Million)
Group All Banks’
2011-12
2012-13 Aggregate Aggregate
2012-13
2012-13
1
1
334
92114
76
79
25384
1096984
362.21
617.75
217.33
121.33
0.12
0.55
4.56
0.83
Items
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
5856
17350
4520
13187
11324
25092
9950
23767
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
944
705
405
1106
1.72
2813
496
1627
1235
2.95
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
1.74
0.01
33.50
5.50
0.95
22.26
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
0.15
0.05
25.50
0.00
0.50
0.10
26.39
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
59
FOREIGN BANKS
Items
Bank Internasional Indonesia
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
1
334
92114
9
25384
1096984
0.00
217.33
121.33
-2.25
4.56
0.83
2008-09
2009-10
2010-11
2011-12
No. of offices
No. of employees
Business per employee
Profit per employee
1
2
0.00
0.00
1
2
0.00
0.00
1
2
0.00
0.00
1
0
0.00
0.00
Capital and Reserves & Surplus
Deposits
Investments
Advances
778
0
8
0
780
0
1
0
782
0
0
0
783
0
0
0
2138
0
0
0
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
2
12
0
6
0.30
9
-1
0
3
1.17
18
1
0
4
2.20
27
0
0
22
3.42
33
1
0
54
2.19
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
42.32
4.05
5.50
18.22
6.12
4.21
13.02
0.96
0.94
501.34
0.00
0.63
0.62
531.80
0.00
1.44
1.40
515.51
0.00
0.49
0.48
457.82
0.00
-1.38
-0.93
439.31
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
Return on Equity
Return on Assets
CRAR
Net NPA ratio
60
FOREIGN BANKS
Items
Bank of America
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
5
293
243.06
11.09
5
284
310.20
12.13
5
323
385.23
13.90
5
382
339.93
14.89
5
395
380.70
12.07
Capital and Reserves & Surplus
Deposits
Investments
Advances
27481
41668
36703
33559
30985
54903
83829
36312
35212
59689
48606
58591
40466
59649
82258
62054
45160
73780
88335
76230
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
6069
3933
1519
1752
5.07
5686
4929
1860
2439
3.28
7253
5810
1975
3585
4.11
11131
5079
4239
4055
4.86
13352
4735
5731
4307
4.40
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
2.22
9.06
24.60
1.85
5.75
29.50
1.95
5.12
39.08
3.55
7.62
25.29
2.47
6.08
24.25
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
13.06
3.42
12.73
0.00
11.99
2.60
15.49
0.00
12.77
3.77
14.51
0.00
13.89
3.62
17.59
0.00
10.96
2.57
18.40
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
61
FOREIGN BANKS
Items
Bank of Bahrain & Kuwait
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
2
334
92114
95
25384
1096984
146.00
217.33
121.33
1.80
4.56
0.83
2008-09
2009-10
2010-11
2011-12
No. of offices
No. of employees
Business per employee
Profit per employee
2
103
61.60
1.40
2
106
85.00
0.20
2
100
89.60
1.40
2
98
133.60
2.10
Capital and Reserves & Surplus
Deposits
Investments
Advances
996
4719
1490
2868
1002
5150
2251
3866
1061
5148
2332
3829
2711
6719
3395
6435
2886
6958
3254
6926
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
486
148
250
168
4.13
405
102
265
168
2.15
520
96
237
173
3.92
760
107
289
186
4.87
947
105
421
191
4.46
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
5.19
7.12
17.76
4.90
4.19
16.73
3.55
6.62
20.22
3.31
7.30
18.53
4.83
5.17
14.17
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
17.86
3.14
25.52
0.09
2.42
0.37
25.01
1.95
13.87
1.99
23.28
0.52
10.98
2.14
38.60
2.49
6.24
1.48
34.70
3.16
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
62
FOREIGN BANKS
Items
Bank of Ceylon
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
1
30
48.80
7.30
1
30
44.40
1.80
1
29
60.50
2.70
1
30
61.90
2.50
1
28
73.10
4.50
Capital and Reserves & Surplus
Deposits
Investments
Advances
804
864
308
453
859
920
626
405
932
968
375
667
1621
1048
602
809
1757
1194
498
999
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
138
154
32
32
6.03
115
61
38
36
4.10
133
47
38
37
4.97
183
44
44
40
5.87
242
50
56
54
6.35
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
3.35
10.76
16.28
4.18
7.41
17.69
3.99
7.03
17.37
4.24
6.49
16.72
4.66
5.83
15.01
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
28.00
10.23
45.18
0.00
6.69
2.73
50.85
0.00
8.10
3.68
42.09
0.00
6.04
3.08
96.58
0.00
8.07
4.26
71.45
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
63
FOREIGN BANKS
Items
Bank of Nova Scotia
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
5
195
389.10
7.84
5
196
375.04
10.14
5
197
429.41
9.74
5
195
543.06
12.66
5
195
576.45
14.70
Capital and Reserves & Surplus
Deposits
Investments
Advances
8609
29757
17262
48053
10597
34542
19217
50713
12516
36546
24385
62991
14985
46816
34831
66056
17850
60556
48422
77661
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
5453
1714
3710
586
2.48
4238
1334
1808
457
3.34
4619
1540
2386
535
2.63
6626
2289
3757
780
2.80
8002
2405
4554
841
2.76
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
5.94
2.58
4.16
2.40
4.58
8.48
3.34
2.50
8.11
4.32
2.07
5.88
4.28
2.12
5.77
4.05
5.50
18.22
6.12
4.21
13.02
19.49
2.04
12.70
0.00
20.70
2.79
13.15
0.00
16.60
2.20
11.80
0.00
17.96
2.24
14.93
0.00
17.45
2.24
11.95
0.45
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
Return on Equity
Return on Assets
CRAR
Net NPA ratio
64
FOREIGN BANKS
Items
Bank of Tokyo-Mitsubishi UFJ
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
4
334
92114
315
25384
1096984
334.90
217.33
121.33
8.20
4.56
0.83
2008-09
2009-10
2010-11
2011-12
No. of offices
No. of employees
Business per employee
Profit per employee
3
95
310.79
4.16
3
180
306.98
4.07
3
223
310.30
4.60
3
273
356.60
7.80
Capital and Reserves & Surplus
Deposits
Investments
Advances
12078
20760
8751
29913
23071
21994
14402
33477
29217
16543
9059
52673
31341
32842
35867
64525
34023
41464
44608
68395
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
3154
627
1743
408
3.51
2564
773
1264
508
2.56
3133
814
672
688
3.92
6019
1613
1676
1308
4.76
8217
1733
2922
1685
4.33
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
5.26
3.77
8.69
2.98
3.45
11.72
1.73
3.85
24.31
2.60
4.10
18.83
2.31
4.71
16.33
4.05
5.50
18.22
6.12
4.21
13.02
5.77
1.49
29.51
0.00
4.17
1.31
68.16
0.00
3.89
1.64
58.67
0.00
7.02
2.26
51.60
0.00
8.20
2.06
44.53
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
Return on Equity
Return on Assets
CRAR
Net NPA ratio
65
FOREIGN BANKS
Items
Barclays Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
5
1534
111.01
0.20
7
1084
120.81
-4.23
9
978
143.67
0.95
9
610
183.14
-2.31
9
391
275.48
-1.13
50014
124855
78831
105505
55160
70754
106473
75652
55410
67401
125534
83113
55410
53826
116000
86570
55410
50632
138232
84723
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
20365
5892
9785
8925
6.29
16593
1492
6981
7801
4.58
16804
4563
8325
7605
3.76
12913
-875
6190
5330
2.88
15086
2554
9808
5193
2.23
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
8.68
8.61
14.15
4.50
8.88
22.00
4.27
6.98
19.96
4.95
4.87
28.08
5.39
1.62
18.14
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
0.61
0.16
17.07
4.59
-10.54
-3.12
16.99
5.15
1.81
0.47
14.89
1.46
-3.30
-0.91
14.99
1.45
-1.02
-0.27
19.09
1.74
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
66
FOREIGN BANKS
Items
BNP Paribas
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
9
347
203.50
4.90
9
330
277.60
5.50
9
335
300.80
5.60
9
342
351.90
2.40
9
333
390.50
5.60
Capital and Reserves & Surplus
Deposits
Investments
Advances
16565
33531
35618
37099
18344
50203
40274
37376
20187
46465
38065
54507
20973
59004
33866
61842
22819
55797
45643
77373
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
6366
2432
2723
1934
4.18
5850
1947
1430
2382
4.59
6461
2581
2409
2856
4.03
8424
730
4038
3580
3.91
8646
2820
4008
3956
3.65
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
4.54
5.57
19.57
2.17
5.41
26.72
3.51
4.48
21.61
5.24
3.24
16.83
4.69
2.82
17.11
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
11.84
2.13
12.37
0.86
10.34
2.05
15.78
0.00
9.76
2.00
11.92
0.00
3.95
0.73
14.70
0.07
8.56
1.70
13.82
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
67
FOREIGN BANKS
Items
Chinatrust Commercial Bank
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
2
334
92114
42
25384
1096984
117.80
217.33
121.33
-3.10
4.56
0.83
2008-09
2009-10
2010-11
2011-12
No. of offices
No. of employees
Business per employee
Profit per employee
1
31
67.50
1.80
1
33
96.30
1.00
1
35
107.00
1.30
1
34
128.90
-0.03
Capital and Reserves & Surplus
Deposits
Investments
Advances
1157
608
132
1485
1189
1143
166
2035
1230
971
319
2346
1735
1466
520
2846
1603
1927
1197
2765
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
186
30
64
86
6.10
169
36
30
124
6.39
208
53
59
115
5.58
363
59
149
147
6.56
382
53
124
201
6.49
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
5.68
6.16
20.13
3.11
6.05
24.79
4.12
4.48
26.66
8.63
3.87
21.50
5.61
6.00
25.94
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
6.98
2.91
45.40
0.00
2.79
1.33
31.12
1.39
3.33
1.39
36.27
1.07
-0.06
-0.02
44.78
3.24
-7.87
-3.26
35.12
9.71
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
68
FOREIGN BANKS
Items
Citibank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
41
4795
188.01
4.51
43
4613
197.99
1.83
43
5380
174.59
2.86
43
5176
197.50
3.60
43
5402
212.40
5.02
Capital and Reserves & Surplus
Deposits
Investments
Advances
115180
516775
245194
399199
135136
544521
281087
366551
149607
566681
303985
405970
159843
646977
431667
471030
173794
665594
440766
520355
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
68402
35823
24288
25872
4.67
60705
15913
20168
23543
4.04
62693
19472
22227
27170
3.91
77676
13933
28875
28014
4.07
89161
19972
37382
28948
4.03
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
3.56
9.04
17.56
2.67
7.82
20.02
2.72
6.34
20.47
3.00
6.68
18.65
3.37
6.40
16.02
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
20.83
2.12
13.23
2.63
6.87
0.96
18.14
2.14
10.01
1.37
17.31
1.21
12.42
1.64
16.03
0.90
16.30
2.12
15.90
1.47
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
69
FOREIGN BANKS
Items
Commonwealth Bank of Australia
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
1
334
92114
29
25384
1096984
74.19
217.33
121.33
-2.13
4.56
0.83
2010-11
2011-12
No. of offices
No. of employees
Business per employee
Profit per employee
1
29
9.81
-5.81
1
27
37.35
-2.20
Capital and Reserves & Surplus
Deposits
Investments
Advances
1584
21
68
263
1692
109
164
899
1692
513
347
1652
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
83
20
0
270
4.40
147
69
5
268
6.79
174
51
23
261
5.68
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
0.10
1.57
38.43
1.28
6.46
41.46
2.56
3.94
40.09
4.05
5.50
18.22
6.12
4.21
13.02
-10.63
-11.50
143.96
0.00
-3.62
-2.99
78.29
0.00
-3.66
-2.56
63.77
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
70
FOREIGN BANKS
Items
Credit Agricole
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
6
120
210.50
13.00
6
110
298.30
7.10
6
109
361.40
4.40
6
106
266.40
25.50
5
92
325.60
16.80
Capital and Reserves & Surplus
Deposits
Investments
Advances
9098
8183
40308
17630
13446
10662
41228
22345
13924
6725
38923
32752
17375
9131
40141
19186
17593
5963
32272
24042
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
3466
2549
1737
996
3.09
3298
2398
1013
803
3.34
3689
1803
1745
947
2.66
4525
2633
2581
1030
2.55
4312
922
2229
939
3.04
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
3.92
6.18
21.08
1.60
4.81
23.40
2.92
2.19
19.22
4.20
1.71
14.52
4.04
2.30
14.65
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
17.68
4.10
13.20
0.00
6.94
1.72
19.50
6.18
3.50
0.89
13.98
0.00
17.29
4.92
14.34
0.00
8.85
3.21
17.27
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
71
FOREIGN BANKS
Items
Credit Suisse AG
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
1
32
187.01
27.86
1
34
256.99
26.60
Capital and Reserves & Surplus
Deposits
Investments
Advances
12162
3484
19554
2500
13066
4187
27020
4550
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
1006
1238
89
547
3.70
2172
902
961
519
4.11
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
0.48
-0.40
61.48
2.30
5.82
23.35
4.05
5.50
18.22
6.12
4.21
13.02
7.33
6.38
118.02
0.00
7.17
3.28
60.07
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
Return on Equity
Return on Assets
CRAR
Net NPA ratio
72
FOREIGN BANKS
Items
DBS Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
10
359
166.23
7.22
10
417
255.45
6.48
12
620
240.65
2.05
12
786
327.82
4.27
12
823
356.57
3.51
Capital and Reserves & Surplus
Deposits
Investments
Advances
14005
60229
78107
27228
16706
66371
100863
40152
17978
73680
103131
75242
26418
129220
147806
128443
29303
154876
181673
138581
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
8086
3022
4939
1648
2.91
8798
1549
3176
1677
3.59
10659
961
5908
2726
2.24
17971
3110
10450
4121
2.50
25592
1288
15359
4881
2.65
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
5.47
3.93
13.89
2.59
5.61
15.13
3.72
2.42
14.50
4.56
2.89
13.33
5.11
3.18
10.48
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
20.38
2.72
15.70
0.55
17.59
2.38
16.96
1.00
7.34
0.79
14.98
0.31
15.12
1.12
14.38
0.60
10.36
0.72
12.99
2.37
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
73
FOREIGN BANKS
Items
Deutsche Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
13
1599
143.41
2.69
13
1498
184.18
2.98
15
1453
198.88
4.34
15
1351
215.63
6.09
17
1675
257.53
6.17
Capital and Reserves & Surplus
Deposits
Investments
Advances
47603
141474
87049
87976
49448
146930
90471
129228
55749
146464
85984
142938
63982
168427
84215
125489
78913
207943
106012
223741
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
18814
10197
5879
11551
5.21
15789
8170
3023
9564
4.79
18802
9805
4616
11234
4.98
23982
7530
5898
10552
6.31
27031
9364
7069
11108
5.78
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
3.21
10.11
24.34
1.60
7.10
40.56
2.36
6.16
34.48
3.14
9.97
30.08
2.99
8.51
28.17
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
9.50
1.75
15.25
0.88
9.20
1.73
16.45
0.79
11.98
1.95
15.03
0.23
13.75
2.58
14.12
0.09
14.46
2.98
14.08
0.13
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
74
FOREIGN BANKS
Items
FirstRand Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2009-10
2010-11
2011-12
2012-13
1
35
7.16
-10.66
1
45
36.56
-1.97
1
77
35.80
-0.03
1
88
37.30
-6.76
Capital and Reserves & Surplus
Deposits
Investments
Advances
1773
51
2091
200
4092
254
4937
1414
3627
366
5613
2416
3033
713
7848
2594
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
56
119
10
539
1.53
353
234
152
519
3.83
629
223
265
616
4.50
767
292
286
1103
4.77
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
0.46
3.10
72.07
5.79
-1.63
54.17
5.13
1.80
47.01
4.02
3.40
39.55
4.05
5.50
18.22
6.12
4.21
13.02
-21.05
-21.45
74.73
0.00
-3.02
-1.37
94.81
0.00
-0.06
-0.03
61.47
0.00
-17.86
-6.09
47.84
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
75
FOREIGN BANKS
2008-09
2009-10
2010-11
47
7446
96.18
1.61
50
6685
113.55
1.17
50
6373
122.17
2.32
Hongkong & Shanghai Banking Corporation
(Amount in ` Million)
Group All Banks’
2011-12
2012-13 Aggregate Aggregate
2012-13
2012-13
50
50
334
92114
5166
4726
25384
1096984
165.89
188.99
217.33
121.33
3.47
4.04
4.56
0.83
112143
499703
311538
275887
121352
557478
412891
234748
136875
541067
372791
274006
149537
614233
403238
355123
151958
568660
451787
357087
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
63269
26994
26610
21947
4.30
51659
21355
19147
19501
3.51
51950
17886
18591
21909
3.67
62626
22008
25168
24183
3.74
70332
17242
30006
24646
3.74
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
4.82
8.81
18.01
3.17
7.19
21.28
3.06
6.41
21.59
3.83
4.91
19.35
4.09
5.85
19.95
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
13.13
1.51
15.31
1.42
6.94
0.88
18.03
2.31
11.83
1.68
18.03
0.91
13.88
1.97
16.04
0.62
12.84
1.81
17.10
0.33
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
Items
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
76
FOREIGN BANKS
Items
HSBC Bank Oman S.A.O.G.
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
2
334
92114
33
25384
1096984
48.11
217.33
121.33
7.53
4.56
0.83
2008-09
2009-10
2010-11
2011-12
No. of offices
No. of employees
Business per employee
Profit per employee
2
39
48.05
0.75
2
37
52.25
2.45
2
37
44.77
2.88
2
38
46.37
4.43
Capital and Reserves & Surplus
Deposits
Investments
Advances
1681
1866
944
19
1699
1716
938
18
1720
1658
927
22
2192
1552
773
41
2229
1488
401
51
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
145
26
92
61
1.36
144
109
85
66
1.52
147
126
83
72
1.63
175
230
95
79
1.95
173
315
94
96
1.98
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
4.32
-0.25
11.32
4.04
0.21
12.59
3.95
0.24
14.53
4.66
6.64
15.40
5.53
5.19
19.41
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
1.75
1.22
25.17
0.00
5.21
3.52
41.08
0.00
6.73
4.47
45.64
0.00
8.61
6.09
52.01
0.00
11.24
8.80
55.76
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
77
FOREIGN BANKS
Industrial and Commercial Bank of China
(Amount in ` Million)
Group All Banks’
2011-12
2012-13 Aggregate Aggregate
2012-13
2012-13
1
1
334
92114
15
25
25384
1096984
26.71
205.73
217.33
121.33
6.19
6.58
4.56
0.83
Items
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
4654
1
0
455
4818
1771
1038
3372
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
247
30
0
101
4.76
578
36
74
234
7.77
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
0.00
2.58
35.97
3.96
10.67
48.84
4.05
5.50
18.22
6.12
4.21
13.02
2.13
2.05
241.01
0.00
3.47
2.45
69.43
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
78
FOREIGN BANKS
Items
JPMorgan Chase Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
1
175
182.53
25.36
1
182
213.58
0.61
1
221
221.77
21.94
1
256
472.94
19.38
1
243
632.68
27.68
Capital and Reserves & Surplus
Deposits
Investments
Advances
25116
35866
66944
7025
29768
59309
91618
10122
39266
63839
99404
34627
50808
88445
133038
45293
57535
103687
176913
53445
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
5132
7209
2308
1378
3.03
4381
-1010
1799
1630
2.29
7396
5417
2471
2044
3.65
11928
3468
4440
2093
4.20
15451
5620
7423
2137
3.49
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
2.69
5.67
21.22
2.04
1.29
28.60
2.40
2.31
28.56
3.32
3.72
19.68
4.36
2.21
13.27
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
19.38
4.21
15.90
1.27
0.40
0.09
23.63
2.88
14.05
3.56
22.99
0.00
11.02
2.90
23.96
0.00
12.42
3.07
26.89
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
79
FOREIGN BANKS
Items
JSC VTB Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
1
17
7.33
0.00
1
16
11.40
0.00
1
16
38.15
-0.75
1
26
47.94
0.50
1
26
51.81
1.38
Capital and Reserves & Surplus
Deposits
Investments
Advances
1106
21
0
97
1106
86
20
97
1106
70
15
540
1108
75
45
788
1114
99
24
885
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
68
1
0
70
6.03
52
3
0
77
4.48
69
5
0
88
5.74
120
9
2
98
9.82
134
24
3
102
10.44
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
0.00
0.00
33.38
0.00
0.00
35.46
0.23
6.11
37.90
2.61
11.09
43.23
3.34
10.39
45.10
4.05
5.50
18.22
6.12
4.21
13.02
-0.26
-0.26
317.51
0.00
-1.24
-1.16
225.93
0.00
-1.08
-1.03
123.59
0.00
0.81
0.76
86.96
0.00
2.36
2.01
66.45
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
80
FOREIGN BANKS
Items
Krung Thai Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
1
10
102.17
1.69
1
10
101.55
0.71
1
10
117.34
2.36
1
10
138.46
3.30
1
10
181.15
3.46
Capital and Reserves & Surplus
Deposits
Investments
Advances
449
1033
278
93
443
1068
310
51
463
1161
323
132
480
1432
349
93
491
1835
466
160
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
103
9
46
32
4.10
79
11
37
39
2.77
95
17
29
37
4.09
129
20
48
34
4.45
166
15
78
37
4.08
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
4.95
3.47
8.15
3.48
3.83
9.36
2.58
4.27
11.78
3.60
5.81
9.87
4.75
4.15
8.33
4.05
5.50
18.22
6.12
4.21
13.02
4.15
1.36
81.86
0.00
1.75
0.52
61.02
0.00
5.73
1.67
71.18
0.00
7.71
2.12
62.57
0.00
7.85
1.82
54.57
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Return on Equity
Return on Assets
CRAR
Net NPA ratio
81
FOREIGN BANKS
Items
Mashreqbank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
2
16
31.00
3.41
2
16
19.12
2.67
1
13
52.47
6.02
1
14
55.76
6.88
1
12
67.83
9.70
Capital and Reserves & Surplus
Deposits
Investments
Advances
875
209
528
98
917
421
337
562
996
599
358
413
1092
781
400
523
1208
1194
465
547
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
53
104
2
60
4.55
52
131
1
84
4.05
54
168
1
84
3.43
52
222
1
115
2.85
98
206
1
110
4.42
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
0.59
4.75
41.18
0.33
3.46
36.15
0.27
3.99
39.81
0.15
2.31
30.34
0.10
4.12
24.88
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
6.44
4.43
76.80
0.00
4.77
3.35
78.21
0.00
8.18
5.03
59.07
0.00
9.23
5.76
55.37
0.00
10.12
5.61
49.62
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
82
FOREIGN BANKS
Items
Mizuho Corporate Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
2
113
202.38
3.81
2
126
194.09
1.76
2
153
208.29
4.77
2
174
248.80
10.36
2
204
419.78
9.99
7442
11475
4036
11191
7647
11881
4465
10827
32378
6710
3956
25158
34149
6728
6586
35816
35877
17434
13835
55188
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
1290
381
582
362
4.16
984
373
506
460
2.20
1544
673
380
540
3.82
2876
1075
163
663
5.83
4248
959
603
776
5.61
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
4.86
5.96
15.83
3.69
3.52
18.74
3.71
3.40
25.63
1.26
5.63
37.32
2.06
4.76
27.34
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
7.46
2.43
37.58
0.00
2.72
0.89
38.98
0.00
3.65
2.37
87.25
0.00
5.32
4.00
60.27
0.00
4.94
3.90
48.11
1.59
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
83
FOREIGN BANKS
Items
National Australia Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
1
16
0.00
-1.57
1
20
86.10
-4.64
Capital and Reserves & Surplus
Deposits
Investments
Advances
1530
0
0
0
1530
0
117
1636
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
31
0
0
54
1.98
124
14
0
218
5.18
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
0.00
0.00
74.15
0.01
0.02
62.41
4.05
5.50
18.22
6.12
4.21
13.02
-1.54
-1.54
423.74
0.00
-5.76
-5.41
96.08
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
84
FOREIGN BANKS
Items
Rabobank International
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
1
43
84.41
0.38
1
55
132.01
2.39
Capital and Reserves & Surplus
Deposits
Investments
Advances
6017
117
1384
3513
6139
834
1242
5899
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
253
225
1
352
3.92
720
209
95
578
8.36
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
0.59
1.22
45.42
6.65
3.78
45.22
4.05
5.50
18.22
6.12
4.21
13.02
0.27
0.40
123.86
0.00
2.01
1.42
70.34
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
85
FOREIGN BANKS
Items
Royal Bank of Scotland
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
30
3241
102.94
0.06
31
2716
115.90
-0.41
31
2183
111.32
0.83
31
1951
130.73
2.46
31
1554
162.11
1.43
Capital and Reserves & Surplus
Deposits
Investments
Advances
23858
159603
108107
166597
22809
166015
72654
134060
24623
139472
89016
105508
29421
130395
77214
125345
28319
127494
91235
125339
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
31197
12251
14371
14973
5.04
21263
7495
7141
9963
5.24
18128
7864
7354
10005
4.70
17907
8180
8658
9033
3.70
18904
5470
9325
10274
3.52
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
4.19
8.28
25.61
2.94
7.38
24.37
3.48
4.86
21.90
4.65
3.82
18.60
4.79
3.53
17.67
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
0.82
0.06
12.66
2.20
-4.49
-0.40
12.50
1.95
7.65
0.76
11.65
1.65
17.75
1.96
12.46
0.74
7.71
0.96
14.50
0.29
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
86
FOREIGN BANKS
Items
Sberbank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
1
16
0.01
-0.84
1
16
26.06
-1.00
Capital and Reserves & Surplus
Deposits
Investments
Advances
1368
0
0
0
1443
47
0
370
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
103
0
0
117
7.49
117
3
1
133
7.34
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
0.00
0.00
49.25
0.59
0.18
52.84
4.05
5.50
18.22
6.12
4.21
13.02
-0.98
-0.99
329.86
0.00
-1.14
-1.08
193.98
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
87
FOREIGN BANKS
Items
Shinhan Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
2
53
244.50
3.86
2
53
221.05
4.58
3
76
185.58
3.34
3
76
243.94
5.49
3
91
294.06
4.89
Capital and Reserves & Surplus
Deposits
Investments
Advances
2494
7660
2027
4576
2736
6923
1963
4801
4847
7925
2279
6192
5286
10371
2811
9145
5725
14404
5906
12061
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
639
84
257
128
4.38
693
126
222
133
4.49
892
132
301
182
4.81
1451
173
625
234
5.26
2050
194
1048
314
4.75
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
4.25
6.95
13.74
2.93
6.61
13.54
3.74
4.61
15.52
6.21
3.92
10.42
7.08
2.87
8.82
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
8.05
1.86
36.80
0.00
9.28
2.28
40.85
0.00
6.70
1.82
50.73
0.00
8.66
2.52
40.26
0.00
7.99
1.78
34.48
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
88
FOREIGN BANKS
Items
Societe Generale
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
2
115
101.70
3.38
2
109
109.85
0.39
2
83
186.84
2.47
2
94
249.32
3.55
3
99
303.98
3.58
Capital and Reserves & Surplus
Deposits
Investments
Advances
3813
8246
15397
3658
3635
8365
17880
4151
3844
8880
20775
6995
8414
12807
18462
10564
8571
13826
11354
17569
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
1527
688
802
655
2.73
1087
90
442
624
2.85
1823
370
1121
565
2.62
2216
86
1261
512
3.13
2436
103
1191
754
3.96
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
3.14
9.54
22.01
2.16
5.42
31.49
2.75
4.76
15.78
4.67
4.81
13.96
4.80
3.90
17.09
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
10.51
2.07
22.47
0.00
1.18
0.31
22.77
0.00
5.61
0.80
16.23
0.00
5.21
1.17
36.61
0.00
4.35
1.22
29.35
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
89
FOREIGN BANKS
Items
Sonali Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
2
34
13.85
0.13
2
35
8.91
0.16
2
38
8.39
0.04
2
34
13.06
0.26
2
34
17.10
0.55
Capital and Reserves & Surplus
Deposits
Investments
Advances
57
417
48
104
63
318
50
78
66
280
51
88
79
312
55
185
98
398
58
184
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
14
46
6
34
1.66
11
50
7
40
0.92
12
44
7
43
1.13
23
59
8
50
3.54
33
74
11
54
4.38
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
1.22
6.23
50.14
1.34
5.68
54.74
1.67
6.07
56.36
1.93
10.63
55.02
2.32
11.32
50.64
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
19.55
1.98
20.31
2.55
11.50
1.64
20.03
3.39
2.62
0.43
21.60
2.46
13.79
2.23
16.81
1.16
21.14
3.37
12.91
2.36
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
90
FOREIGN BANKS
Items
Standard Chartered Bank
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
100
334
92114
7212
25384
1096984
168.77
217.33
121.33
4.11
4.56
0.83
2008-09
2009-10
2010-11
2011-12
91
7825
97.14
2.38
95
8084
108.35
2.63
95
7813
134.56
2.64
95
7527
154.67
2.31
102768
418018
155516
374891
116057
481924
184774
415522
130624
584191
230882
492008
141429
639647
273239
555700
191531
620017
307471
619543
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
56494
30971
24896
24997
3.70
56749
28376
17838
24190
4.18
63524
24715
23506
25969
4.10
79432
29882
36904
27408
3.73
90835
28072
40692
29041
4.15
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
4.89
7.41
21.09
3.04
7.53
24.38
3.49
6.26
25.48
4.40
6.89
20.81
4.40
6.99
18.50
4.05
5.50
18.22
6.12
4.21
13.02
Return on Equity
Return on Assets
CRAR
Net NPA ratio
20.45
2.87
11.56
1.37
19.44
3.03
12.41
1.40
16.70
2.44
11.88
0.27
12.76
1.49
11.05
0.70
17.78
2.43
13.00
1.63
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
91
FOREIGN BANKS
Items
State Bank of Mauritius
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
3
29
235.70
2.00
3
28
261.30
-1.40
3
39
281.30
1.90
3
47
335.80
2.40
3
49
289.00
6.80
Capital and Reserves & Surplus
Deposits
Investments
Advances
1644
3722
1328
3027
1624
3479
1224
4101
3191
4999
4170
5971
3298
7662
4821
8121
6062
6009
4602
8150
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
445
31
305
62
2.58
436
46
357
72
1.27
575
55
359
99
2.45
1241
125
850
168
3.06
1460
202
787
164
4.66
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
8.37
2.86
5.01
8.01
0.79
5.50
5.40
2.76
12.30
7.93
2.39
8.19
5.76
3.51
8.37
4.05
5.50
18.22
6.12
4.21
13.02
3.50
0.90
38.01
0.00
-2.46
-0.66
34.40
4.32
3.14
0.93
45.66
2.18
3.45
0.81
39.02
0.87
7.07
2.53
55.01
1.88
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Return on Equity
Return on Assets
CRAR
Net NPA ratio
92
FOREIGN BANKS
Sumitomo Mitsui Banking Corporation
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
1
334
92114
71
25384
1096984
0.23
217.33
121.33
-2.51
4.56
0.83
Items
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
93
10834
15
2985
0
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
102
0
0
257
0.94
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
0.03
-0.03
37.12
4.05
5.50
18.22
6.12
4.21
13.02
-1.51
-5.06
625.69
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
FOREIGN BANKS
Items
UBS AG
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2008-09
2009-10
2010-11
2011-12
2012-13
1
18
0.00
-10.97
1
34
67.37
0.31
1
53
248.42
10.93
1
58
216.39
5.48
1
58
608.91
14.96
Capital and Reserves & Surplus
Deposits
Investments
Advances
2837
0
748
0
14585
2041
14029
250
19495
6316
37967
6851
19807
6022
35647
6312
20675
25575
21672
9741
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
76
0
0
257
2.53
607
81
127
580
4.39
1854
566
570
1005
3.42
3656
-779
1239
1025
3.89
4275
-505
1262
970
4.42
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
0.00
0.00
54.00
6.20
-6.19
39.99
3.98
3.50
38.43
4.98
6.23
26.22
4.87
7.06
24.54
4.05
5.50
18.22
6.12
4.21
13.02
-6.96
-7.98
229.37
0.00
0.12
0.10
157.86
0.00
3.40
1.63
90.01
0.00
1.59
0.78
53.75
0.00
4.29
1.33
52.86
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
No. of offices
No. of employees
Business per employee
Profit per employee
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
94
FOREIGN BANKS
Items
United Overseas Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2010-11
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
1
5
0.00
-0.64
1
9
0.00
1.81
1
13
32.27
1.54
Capital and Reserves & Surplus
Deposits
Investments
Advances
1288
0
0
0
1478
0
0
0
1559
62
148
358
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
64
0
0
67
4.68
103
3
0
85
7.00
139
7
1
118
7.58
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
0.00
0.00
36.58
0.00
0.00
36.47
0.28
3.66
48.76
4.05
5.50
18.22
6.12
4.21
13.02
-0.25
-0.24
341.49
0.00
1.18
1.21
205.80
0.00
1.32
1.21
154.76
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
95
FOREIGN BANKS
Westpac Banking Corporation
(Amount in ` Million)
Group All Banks’
2012-13 Aggregate Aggregate
2012-13
2012-13
1
334
92114
24
25384
1096984
0.01
217.33
121.33
3.52
4.56
0.83
Items
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
8172
0
4466
0
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
275
51
0
154
3.33
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
3.83
-3.83
54.26
4.05
5.50
18.22
6.12
4.21
13.02
1.03
1.03
280.06
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
96
FOREIGN BANKS
Items
Woori Bank
(Amount in ` Million)
Group All Banks’
Aggregate Aggregate
2012-13
2012-13
334
92114
25384
1096984
217.33
121.33
4.56
0.83
2011-12
2012-13
No. of offices
No. of employees
Business per employee
Profit per employee
1
21
0.00
0.00
1
25
113.07
1.02
Capital and Reserves & Surplus
Deposits
Investments
Advances
1614
0
0
0
1636
2158
491
329
1073817
2879997
2280631
2636799
7089300
74295324
26132752
58797025
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin
42
0
0
26
2.56
206
10
56
118
5.47
422486
112127
187406
142882
3.89
7636115
977866
5138027
1565855
2.79
0.00
0.00
26.13
2.62
6.11
22.31
4.05
5.50
18.22
6.12
4.21
13.02
0.53
0.00
421.70
0.00
1.38
0.90
163.28
0.00
11.52
1.94
17.88
1.01
13.84
1.03
13.88
1.68
Cost of Funds (CoF)
Return on advances adjusted to CoF
Wages as % to total expenses
Return on Equity
Return on Assets
CRAR
Net NPA ratio
97
Notes
98