A Profile of Banks 2005-06: Reserve Bank of India

A Profile of Banks
2005-06
Reserve Bank of India
Copies of this publication are available from the Director,

Division of Reports, Reviews and Publications (Sales Section),
Department of Economic Analysis and Policy, Reserve Bank of India,
Amar Building (Ground Floor), Fort,
Post Box. No.1036, Mumbai - 400 001.
Telephone : (022) 2266 2524 [Ext. 4002] Fax : (022) 2263 2110
Email : spsdrrp@rbi.org.in
PRICE
Inland :
(i)
(ii)
Abroad : (i)
(ii)
Rs.90
Rs.120 (Inclusive of postage)
US $ 55 (Inclusive of courier charges)
US $ 20 (Inclusive of registered airmail)
Cheques/drafts should be drawn in favour of Reserve Bank of India

payable at Mumbai.
Explanatory Notes
This is an attempt to provide quick and handy access to data on scheduled commercial banks from 2001-02 to 2005-06,
excluding regional rural banks. This is the second volume in the series; first volume of the series was published for the year
2004-05.
Data sources
a) Most of the data presented in the publication are from annual accounts of banks.
b) Data for the previous years are from the annual publication, Statistical Tables Relating to Banks in India; some data
for the previous years have been revised.
c) Data for the year 2005-06 are from published annual accounts of banks.
d) Data on number of offices are from Master Office Files, DESACS, RBI.
e) Data on number of employees are from Indian Banks Association (IBA).
Data definitions
a) Capital, reserves & surplus, deposits, investments, advances, interest income, interest expended and operating
expenses are as in annual accounts of banks.
b) Business (defined as deposits and advances) per employee, profit per employee, return on assets, capital adequacy
ratio (CRAR) and net nonperforming assets as percentage of net advances (Net NPA ratio) are from Notes on
Accounts of annual accounts.
c) Number of offices is as per Master Office File, DESACS, RBI.
d) Cost of funds (CoF) is defined as the ratio of interest paid on deposits and borrowings to average of deposits and
borrowings for the years 2004-05 and 2005-06.
e) Cost adjusted return on advances is CoF subtracted from return on advances, where return on advances is defined
as the ratio of interest earned on advances to average of advances for the years 2004-05 and 2005-06.
NOTES
f)
Wages as percentage to total expenses is computed as the ratio of payment to and provisions for employees to
averages of total expenses for the years 2004-05 and 2005-06.
Bank group level averages

a) Business per employee (or profit per employee) is computed by dividing the total business (or profit) for the group
(as available in annual accounts) by the number of employees in the group (as obtained from IBA).
b) CoF is computed as the ratio of interest paid on deposits and borrowings to average of deposits and borrowings of
the group for the years 2004-05 and 2005-06.
c) 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 of interest earned on advances by the group to average of total advances
of the group for the years 2004-05 and 2005-06.
d) Return on assets for a group is obtained as weighted average of return of 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.
e) Capital adequacy ratio and net NPA ratio for the four bank groups and also for all banks have been obtained from
OSMOS, Department of Banking Supervision, RBI.
f) For rest of the items, simple averages are used at the group level.
g) Similar definitions are used at all banks level.
h) All banks averages are computed based on state bank group (8 banks), nationalised banks (20), foreign banks (29)
and other scheduled commercial banks (26 banks, excluding Sangli Bank and Ganesh Bank of Kurundward).
i) IDBI Limited is considered as a nationalised bank.
General
a) As on the date of publication, annual accounts of Sangli Bank is not available; so is the case with Ganesh Bank of
Kurundwad, which is under moratorium. However, data for these two banks are given for previous years.
b) When a bank starts functioning at an intermediate year, no data are given for preceding years.
c) The symbol - indicates nil or negligible and the symbol .. indicates not applicable or not available.
Published by :
Dr. A.S. Ramasastri
Director, Department of Statistical Analysis and Computer Services
Division of Banking Studies
Reserve Bank of India
C-8/9, Bandra-Kurla Complex, Bandra (East), Post Box No.8128, Mumbai 400 051
e-mail: asramasastri@rbi.org.in
Printed by : Uchitha Graphic Printers Pvt. Ltd., 65 Ideal Ind. Estate, Lower Parel, Mumbai 400 013. 2497 3492 / 2492 1978
Foreign Banks
ABN Amro Bank

(Amount in rupees crore)
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
Business per employee (in Rs. lakh)
Profit per employee (in Rs. lakh)
11
959
840.16
13.49
13
986
784.27
12.35
16
1207
891.45
15.22
19
1908
823.70
10.24
23
3093
905.82
8.15
9
724
1006.24
14.61
680
10458
423.74
2.84
767
4865
2129
4487
936
5022
2985
5447
1152
5856
2917
6697
1347
7026
3331
9836
1589
11864
4825
15073
837
3922
1847
3364
2205
26054
10445
18261
756
196
409
270
743
253
376
326
761
379
312
470
907
435
334
567
1351
637
659
748
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

Return on advances adjusted to CoF
Wages as % to total expenses
5.42
5.40
13.45
4.71
5.21
13.19
3.28
4.67
16.59
2.94
4.57
19.67
3.78
4.29
18.14
3.61
4.93
18.35
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.72
13.17
1.34
1.56
12.57
1.54
1.84
13.48
0.88
1.27
10.55
0.35
1.03
10.44
0.11
2.09
12.58
0.78
1.00
12.24
1.22
Capital and reserves & surplus

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
A,B
Abu Dhabi Commercial Bank
Foreign Banks
Items
Group All Banks

Average
Average
2005-06
2005-06
2001-02
2002-03
2003-04
2004-05
2005-06
2
82
2581.00
11.00
2
78
2618.40
4.06
2
76
1161.64
12.20
2
40
1061.10
-77.24
2
38
1720.49
12.06
9
724
1006.24
14.61
680
10458
423.74
2.84
59
1663
1283
299
62
1769
1327
274
72
1816
1354
168
71
1663
1257
90
76
458
142
119
837
3922
1847
3364
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
184
9
167
9
184
12
168
15
163
8
147
11
150
40
138
47
111
10
101
14
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

9.68
2.32
2.14
9.67
3.48
2.40
8.08
2.43
2.67
7.67
-0.28
4.46
8.52
-1.33
2.82
3.61
4.93
18.35
4.35
3.79
20.17
0.47
10.42
13.43
0.17
10.14
9.68
0.50
14.22
27.39
-2.57
14.38
12.73
0.35
36.98
15.97
2.09
12.58
0.78
1.00
12.24
1.22
No. of offices
No. of employees
Deposits
Investments
Advances
Return on Assets
CRAR
Net NPA ratio
Nationalised Banks
Allahabad Bank
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
1992
19860
153.00
0.40
2001
19515
183.00
0.87
2012
19284
215.00
2.46
2027
18917
282.00
2.86
2027
18742
336.00
3.69
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
981
22666
10854
10482
1171
25463
12372
12544
1552
31477
15555
15342
2328
40762
18988
21151
3639
48500
17985
29148
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
2273
385
1542
707
2570
524
1661
918
2669
750
1583
959
3186
640
1822
1070
3767
607
2190
1160
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

7.04
3.83
21.89
6.74
3.56
19.91
5.40
4.09
21.99
4.88
4.34
23.53
4.74
3.97
20.33
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.32
10.62
11.09
0.59
11.15
7.08
1.34
12.52
2.37
1.33
12.53
1.28
1.42
13.37
0.84
0.88
12.38
1.28
1.00
12.24
1.22
American Express Bank
Foreign Banks
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
5
341
237.22
0.86
6
..
214.91
-2.08
6
1479
285.00
-1.67
8
1586
237.53
1.05
8
1773
239.32
2.99
9
724
1006.24
14.61
680
10458
423.74
2.84
254
2230
1044
1558
253
2388
1087
1190
244
2789
812
1263
301
2264
1038
1483
399
2260
991
2017
837
3922
1847
3364
2205
26054
10445
18261
303
228
203
193
319
199
210
201
306
220
179
247
270
251
151
292
259
304
154
301
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

6.39
4.15
16.60
7.18
6.37
18.13
6.26
9.62
21.97
5.57
8.49
24.15
5.72
4.85
26.09
3.61
4.93
18.35
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.27
10.71
7.56
-0.90
10.93
8.69
-0.69
10.74
5.68
0.55
10.87
0.99
1.45
10.26
0.58
2.09
12.58
0.78
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Nationalised Banks
Andhra Bank
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
1072
12812
195.96
1.58
1117
12991
226.71
3.10
1133
13095
277.35
3.54
1162
13108
346.25
3.97
1164
13169
426.75
3.69
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
884
18491
8419
9678
1115
21062
10518
11513
1453
22941
10317
12885
1837
27551
10646
17517
2894
33922
11444
22100
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
2030
304
1454
454
2195
604
1442
602
2227
678
1317
658
2282
753
1213
829
2674
458
1505
858
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

7.66
3.81
16.34
6.88
4.66
19.41
5.54
4.55
20.73
4.45
4.55
26.42
4.57
4.33
20.86
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.97
12.59
2.45
1.63
13.62
1.79
1.72
13.71
0.93
1.59
12.11
0.28
1.38
14.00
0.24
0.88
12.38
1.28
1.00
12.24
1.22
Antwerp Diamond Bank
Foreign Banks
Items
Group All Banks

Average
Average
2005-06
2005-06
2002-03
2003-04
2004-05
2005-06
1
17
1252.55
5.25
1
17
1723.61
32.85
1
20
2267.01
33.40
1
19
2308.40
41.22
9
724
1006.24
14.61
680
10458
423.74
2.84
116
37
47
176
122
44
96
298
128
50
165
434
136
53
141
422
837
3922
1847
3364
2205
26054
10445
18261
11
1
3
6
20
3
5
7
26
4
10
8
37
5
21
7
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

0.26
3.40
24.09
1.14
4.68
21.27
1.70
2.52
16.22
3.76
1.76
9.94
3.61
4.93
18.35
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.36
92.69
0.00
1.18
53.22
0.00
1.00
39.99
0.00
1.21
39.67
0.00
2.09
12.58
0.78
1.00
12.24
1.22
No. of offices
No. of employees
Deposits
Investments
Advances
2001-02
Interest income
Other income
Interest expended
Operating expenses
Foreign Banks
Arab Bangladesh Bank

Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
1
25
237.96
10.91
1
24
265.05
10.50
1
25
221.45
12.90
1
26
183.07
10.29
1
26
193.03
11.04
9
724
1006.24
14.61
680
10458
423.74
2.84
42
41
6
22
43
46
9
17
44
31
10
12
45
23
8
22
46
21
8
34
837
3922
1847
3364
2205
26054
10445
18261
6
2
1
2
4
3
1
2
4
4
1
2
3
4
0
2
4
4
0
2
422
179
178
194
2221
454
1287
707
1.50
6.85
25.12
1.52
7.61
22.41
1.46
6.88
23.58
1.92
4.63
24.97
1.70
6.64
23.99
3.61
4.93
18.35
4.35
3.79
20.17
3.03
138.51
1.39
2.78
105.64
1.55
3.67
111.34
0.37
2.87
109.39
0.18
3.43
86.21
0.00
2.09
12.58
0.78
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
Bank International Indonesia
Foreign Banks
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
1
16
263.47
1.32
1
15
228.53
11.98
1
13
326.47
-1.56
1
18
154.00
-4.15
1
15
148.00
-7.66
9
724
1006.24
14.61
680
10458
423.74
2.84
74
5
10
9
74
9
17
18
74
13
12
3
74
11
41
20
75
15
16
7
837
3922
1847
3364
2205
26054
10445
18261
4
1
1
3
4
1
1
6
4
0
1
3
4
0
1
3
4
1
1
3
422
179
178
194
2221
454
1287
707
12.64
-6.20
12.95
8.94
0.44
7.48
4.07
6.73
14.95
1.81
5.44
19.46
2.07
9.02
19.22
3.61
4.93
18.35
4.35
3.79
20.17
0.23
123.07
61.39
3.75
103.99
15.20
-0.33
133.94
72.15
-0.98
92.26
10.49
-1.28
108.87
0.00
2.09
12.58
0.78
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
Foreign Banks
Bank of America
Items
Group All Banks

Average
Average
2005-06
2005-06
2001-02
2002-03
2003-04
2004-05
2005-06
5
295
1768.96
31.67
5
262
1862.74
32.76
5
270
1747.56
24.12
5
275
1707.72
29.47
5
282
1924.81
51.82
9
724
1006.24
14.61
680
10458
423.74
2.84
608
1906
1332
2933
636
1545
1300
3298
700
1976
1381
3059
1437
1993
1599
3219
1582
2106
1664
3369
837
3922
1847
3364
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
459
120
312
89
342
79
219
70
280
81
163
79
257
119
128
91
326
220
147
113
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

7.06
2.62
9.63
5.51
1.89
8.69
3.97
1.17
13.82
3.24
1.65
19.85
3.73
2.42
21.31
3.61
4.93
18.35
4.35
3.79
20.17
1.68
21.07
0.80
1.73
21.08
0.05
1.26
22.92
0.00
1.46
30.07
0.00
2.41
23.40
0.00
2.09
12.58
0.78
1.00
12.24
1.22
No. of offices
No. of employees
Deposits
Investments
Advances
Return on Assets
CRAR
Net NPA ratio
Bank of Bahrain & Kuwait
Foreign Banks
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
2
91
806.00
9.00
2
..
787.00
8.00
2
90
784.00
1.00
2
80
820.00
-28.00
2
68
728.00
-10.00
9
724
1006.24
14.61
680
10458
423.74
2.84
87
448
236
290
91
476
255
353
92
433
317
304
67
394
189
264
61
327
129
169
837
3922
1847
3364
2205
26054
10445
18261
59
20
51
10
57
15
45
12
40
14
32
13
34
2
22
13
29
5
20
12
422
179
178
194
2221
454
1287
707
8.51
3.13
7.14
7.22
3.28
8.89
5.52
0.80
11.63
3.90
1.86
14.50
4.35
3.54
15.79
3.61
4.93
18.35
4.35
3.79
20.17
1.32
17.03
11.40
1.06
17.19
11.26
0.12
19.99
17.73
-3.52
11.66
5.53
-1.32
20.01
1.29
2.09
12.58
0.78
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
10
Nationalised Banks
Bank of Baroda
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
2718
38899
222.76
1.40
2798
40313
237.67
1.92
2770
39803
252.51
2.43
2775
39529
316.00
1.71
2776
38737
396.00
2.13
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
3827
61804
23833
33663
4387
66441
30179
35348
5131
72967
38019
35601
5628
81333
37074
43400
7844
93662
35114
59912
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
5956
993
4076
1563
6098
1262
3994
1648
6147
1719
3575
1805
6431
1313
3452
1980
7100
1192
3875
2385
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

6.68
3.34
18.73
5.93
2.95
20.00
4.85
3.05
23.28
4.18
3.17
25.41
4.03
3.28
24.34
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.81
11.32
4.98
1.05
12.65
3.72
1.20
13.91
2.99
0.75
12.61
1.45
0.79
13.65
0.87
0.88
12.38
1.28
1.00
12.24
1.22
11
Bank of Ceylon
Foreign Banks
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
1
24
815.48
0.14
1
..
644.67
1.80
1
31
637.00
2.66
1
33
628.76
7.95
1
33
587.10
1.64
9
724
1006.24
14.61
680
10458
423.74
2.84

Deposits
Investments
Advances
51
82
21
95
52
85
23
85
52
101
45
63
54
104
32
59
55
87
30
49
837
3922
1847
3364
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
14
4
7
2
12
2
7
3
10
5
6
3
8
6
5
2
10
4
4
3
422
179
178
194
2221
454
1287
707
7.38
4.59
8.02
6.32
3.81
7.36
5.07
5.85
7.14
4.49
4.52
10.30
3.98
5.34
13.99
3.61
4.93
18.35
4.35
3.79
20.17
0.02
30.94
23.88
0.27
32.29
25.98
0.36
45.26
21.85
1.19
49.4
13.76
0.25
56.37
23.74
2.09
12.58
0.78
1.00
12.24
1.22
Cost of funds (CoF)

Return on Assets
CRAR
Net NPA ratio
12
Nationalised Banks
Bank of India
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
2643
43420
218.74
1.16
2654
43141
242.97
1.97
2653
42574
266.72
2.35
2670
42220
320.00
0.80
2678
41808
381.00
1.66
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
2845
59589
22084
38311
3541
64098
24435
42633
4010
71482
27163
45856
4465
78821
28686
55529
4984
93932
31782
65174
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
5594
1103
3769
1531
5928
1642
3892
1649
5796
1792
3594
1752
6032
1156
3795
1932
7029
1185
4397
2115
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

6.23
3.16
20.51
5.68
3.11
20.32
4.73
2.75
21.93
4.29
2.84
22.06
4.18
3.40
20.40
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.78
10.68
6.02
1.16
12.02
5.37
1.25
13.01
4.50
0.38
11.52
2.80
0.68
10.75
1.49
0.88
12.38
1.28
1.00
12.24
1.22
13
Bank of Maharashtra
Nationalised Banks
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
1257
14145
191.44
1.02
1265
14047
221.96
1.58
1311
14172
268.65
2.16
1330
14126
294.65
1.25
1336
14052
306.18
0.36
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
698
19131
9909
8255
981
22176
11802
9508
1436
26446
14092
11732
1543
28844
14480
13062
1572
26906
11354
16470
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1998
308
1411
479
2082
360
1405
516
2199
470
1432
560
2368
385
1486
720
2349
177
1503
659
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

7.36
3.83
17.76
6.39
3.59
18.44
5.50
2.56
18.64
4.98
2.86
23.28
4.88
3.13
19.64
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.68
11.16
5.81
0.89
12.05
4.82
0.95
11.88
2.46
0.54
12.68
2.15
0.16
11.27
2.03
0.88
12.38
1.28
1.00
12.24
1.22
14
Foreign Banks
Bank of Nova Scotia

Items
Group All Banks

Average
Average
2005-06
2005-06
2001-02
2002-03
2003-04
2004-05
2005-06
5
181
1521.23
15.14
5
188
1691.41
9.75
5
..
1678.52
9.96
5
187
2085.17
-6.30
5
192
2040.25
16.50
9
724
1006.24
14.61
680
10458
423.74
2.84
221
1845
725
1887
253
1449
653
1460
269
1694
772
2019
257
1602
895
2053
303
2355
981
2440
837
3922
1847
3364
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
255
36
184
28
226
40
159
32
141
49
97
32
159
52
108
35
175
58
130
34
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

8.00
3.00
3.95
6.90
2.61
5.25
4.09
0.79
9.16
3.71
1.32
9.17
4.22
1.18
8.21
3.61
4.93
18.35
4.35
3.79
20.17
1.10
10.12
2.72
0.66
13.38
8.64
0.64
13.78
9.07
-0.35
15.27
3.08
0.83
13.71
1.00
2.09
12.58
0.78
1.00
12.24
1.22
No. of offices
No. of employees
Deposits
Investments
Advances
Return on Assets
CRAR
Net NPA ratio
15
Bank of Rajasthan
Other Scheduled Commercial Banks

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
324
4285
135.84
0.94
346
4207
164.64
1.63
366
4144
199.93
1.67
388
4068
231.18
0.86
402
3990
291.40
0.38
259
4189
677.86
4.60
680
10458
423.74
2.84
233
3960
1884
1956
285
5299
2643
2221
330
7639
4457
2333
351
8120
3515
2896
363
8891
2567
4065
1682
16394
6910
11999
2205
26054
10445
18261
453
97
323
145
473
126
292
159
503
177
313
182
522
64
309
195
539
62
317
255
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

8.49
3.00
20.08
6.21
3.93
23.05
4.80
3.68
23.50
3.74
5.02
23.96
3.55
3.37
30.01
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.84
12.07
8.86
1.12
11.29
6.80
0.82
11.18
2.99
0.38
12.75
2.50
0.19
10.60
0.99
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
16
Foreign Banks
Bank of Tokyo Mitsubishi UFJ

Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
4
303
404.23
17.29
3
224
560.87
15.91
3
167
582.27
48.58
3
156
663.58
6.45
3
152
1113.29
0.20
9
724
1006.24
14.61
680
10458
423.74
2.84

Deposits
Investments
Advances
213
883
305
699
348
577
205
439
407
579
323
428
369
532
342
559
595
784
449
1034
837
3922
1847
3364
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
111
42
50
63
106
29
49
51
78
79
21
41
57
57
16
34
79
36
30
44
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

6.02
4.89
16.91
5.78
3.56
32.79
2.63
5.56
39.88
1.74
4.18
29.89
2.74
3.16
35.10
3.61
4.93
18.35
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
4.08
15.36
0.00
3.27
30.40
0.07
6.96
32.78
0.10
0.93
32.10
0.01
0.02
33.38
0.00
2.09
12.58
0.78
1.00
12.24
1.22
17
Barclays Bank
Foreign Banks
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
2
40
328.91
34.42
1
34
323.68
85.82
1
34
270.79
211.40
1
39
188.49
160.21
1
46
148.51
271.00
9
724
1006.24
14.61
680
10458
423.74
2.84
305
167
319
7
334
108
484
2
406
90
447
3
698
75
418
2
1378
361
584
4
837
3922
1847
3364
2205
26054
10445
18261
37
43
29
15
29
97
20
20
30
118
7
25
31
126
9
31
66
234
28
52
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

6.51
9.72
18.56
4.81
-1.12
26.11
2.57
2.47
58.65
3.64
19.97
45.64
6.7
13.08
42.58
3.61
4.93
18.35
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.78
63.56
36.04
3.95
45.68
0.00
5.20
37.16
0.00
3.29
20.85
0.00
9.64
22.92
0.00
2.09
12.58
0.78
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
18
Bharat Overseas Bank

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
78
994
259.00
2.17
79
1029
317.00
2.77
84
984
370.00
3.41
91
1075
422.00
1.86
103
1098
484.00
0.51
259
4189
677.86
4.60
680
10458
423.74
2.84
123
1823
668
901
141
2149
812
1153
172
2472
936
1392
199
2749
986
1651
205
3244
961
2054
1682
16394
6910
11999
2205
26054
10445
18261
167
49
118
45
176
36
115
47
198
32
113
60
219
19
114
70
252
26
146
87
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

6.55
3.31
12.45
5.56
3.37
13.22
4.76
3.50
15.96
4.13
3.66
17.07
4.53
3.62
16.61
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.08
15.09
4.38
1.17
13.87
3.31
1.25
16.25
2.26
0.62
14.95
1.56
0.15
11.24
1.87
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
19
BNP Paribas
Foreign Banks
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
10
506
617.86
-6.90
9
356
978.62
-4.03
10
328
921.94
-3.99
9
314
980.52
4.70
9
303
1206.05
6.29
9
724
1006.24
14.61
680
10458
423.74
2.84
203
1634
1485
1521
234
1580
918
1423
357
1737
1001
1315
333
1674
861
1719
496
1847
1108
1854
837
3922
1847
3364
2205
26054
10445
18261
279
41
209
133
248
33
170
109
178
44
99
87
176
68
91
97
223
73
113
104
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

7.32
3.88
16.43
5.96
3.67
15.49
3.94
2.80
22.23
3.68
1.66
24.74
4.22
2.24
23.01
3.61
4.93
18.35
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
-0.94
9.66
1.62
-0.53
10.74
3.77
-0.44
21.70
0.00
0.5
9.41
0.00
0.55
11.61
0.00
2.09
12.58
0.78
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
20
Foreign Banks
Calyon Bank
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
6
..
1336.56
7.00
6
41
1006.21
8.63
4
105
946.00
-15.04
6
108
1272.00
71.00
9
724
1006.24
14.61
680
10458
423.74
2.84
114
682
362
232
118
499
331
47
328
1306
890
674
718
372
427
1004
837
3922
1847
3364
2205
26054
10445
18261
82
9
59
19
58
-7
38
15
117
22
98
53
130
107
105
53
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

5.65
2.88
10.55
5.62
2.46
10.85
10.09
3.78
13.14
8.90
-1.47
17.80
3.61
4.93
18.35
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.36
20.04
0.51
0.51
24.51
1.01
-0.80
14.40
0.30
4.10
19.80
0.10
2.09
12.58
0.78
1.00
12.24
1.22
No. of offices
No. of employees
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
21
C,D
Canara Bank
Nationalised Banks
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
2525
47796
214.88
1.64
2542
47566
250.11
2.26
2587
47613
297.58
2.97
2631
47389
351.12
2.48
2644
46893
441.57
3.02
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
3472
64030
23220
33127
4149
72095
30458
40472
5252
86345
35793
48439
6109
96796
38054
60421
7132
116803
36974
79426
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
6371
1429
4550
1593
6692
1478
4425
1748
7063
2016
4325
1897
7572
1544
4422
2109
8711
1378
5130
2347
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

6.93
3.34
18.27
6.14
3.61
18.83
5.19
3.47
20.47
4.60
3.25
21.13
4.57
3.28
20.27
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.03
11.88
3.89
1.24
12.50
3.59
1.34
12.66
2.89
1.01
12.78
1.88
1.01
11.22
1.12
0.88
12.38
1.28
1.00
12.24
1.22
22
Catholic Syrian Bank

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
296
3014
140.98
1.23
299
..
164.94
1.57
311
2890
182.16
1.96
314
2863
220.00
0.37
325
2863
247.00
0.22
259
4189
677.86
4.60
680
10458
423.74
2.84
105
3191
1357
1211
140
3506
1809
1471
194
3880
1819
1898
210
4021
1323
2289
216
4289
1432
2695
1682
16394
6910
11999
2205
26054
10445
18261
337
99
256
89
347
125
258
103
357
119
235
118
368
46
222
114
365
40
218
150
1328
352
824
443
2221
454
1287
707
8.40
4.20
19.43
7.51
4.05
21.58
6.19
4.05
24.08
5.46
4.51
22.80
5.08
4.58
30.43
4.31
4.21
12.22
4.35
3.79
20.17
1.07
9.57
9.92
1.17
10.58
7.90
1.31
11.23
4.65
0.24
11.35
3.80
0.13
11.26
2.78
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
23
Central Bank of India
Nationalised Banks
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
3200
39631
148.77
0.40
3201
39330
167.85
0.77
3225
38933
181.51
1.58
3247
38303
206.89
0.93
3250
37241
240.46
0.68
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
1997
47137
21100
21288
2424
51165
26045
22252
2974
55909
31405
22804
3265
60752
30835
27277
3442
66483
28639
37483
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
4657
601
3123
1431
5073
554
3176
1527
5064
964
2942
1558
5205
920
2830
1686
5386
531
3006
1716
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

6.71
4.10
24.57
6.14
4.22
25.23
5.20
4.32
26.30
4.63
4.32
28.29
4.53
3.47
27.02
4.26
3.86
21.37
4.35
3.79
20.17
0.31
9.58
7.98
0.54
10.51
7.02
0.98
12.43
5.57
0.53
12.15
2.98
0.37
11.03
2.59
0.88
12.38
1.28
1.00
12.24
1.22
Return on Assets
CRAR
Net NPA ratio
24
Centurion Bank of Punjab

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
59
965
467.72
1.49
62
945
403.28
2.29
63
1112
392.84
1.09
77
1374
383.00
1.83
242
4471
339.00
1.96
259
4189
677.86
4.60
680
10458
423.74
2.84
175
3535
1227
1626
175
2835
999
1314
193
3029
1182
1556
590
3530
1480
2194
931
9400
2923
6533
1682
16394
6910
11999
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
482
71
379
160
371
80
269
160
334
63
204
181
346
72
168
219
803
312
404
500
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

7.04
6.84
3.68
7.04
7.39
5.78
6.14
7.97
8.13
4.52
9.78
11.02
5.98
7.30
15.40
4.31
4.21
12.22
4.35
3.79
20.17
-3.27
4.16
5.82
-0.70
3.02
7.92
-3.16
7.49
4.43
0.64
21.42
2.49
0.89
12.52
1.13
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Return on Assets
CRAR
Net NPA ratio
25
Chinatrust Commercial Bank
Foreign Banks
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
1
21
635.34
5.91
1
21
658.05
12.90
1
19
800.45
7.69
1
18
628.66
-52.51
1
21
980.00
-16.00
9
724
1006.24
14.61
680
10458
423.74
2.84

Deposits
Investments
Advances
37
75
51
58
41
65
42
73
43
63
25
89
45
48
27
59
42
78
34
98
837
3922
1847
3364
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
17
2
9
4
14
1
5
5
13
1
4
4
9
1
3
5
9
1
3
4
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

8.60
4.92
10.27
5.65
7.43
14.22
4.79
5.59
15.79
4.63
3.41
16.61
3.02
4.71
18.57
3.61
4.93
18.35
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.00
40.11
0.00
2.12
36.96
0.00
1.15
39.98
5.76
-7.68
59.94
6.02
-1.71
38.56
1.80
2.09
12.58
0.78
1.00
12.24
1.22
26
Foreign Banks
Cho Hung Bank

Items
Group All Banks

Average
Average
2005-06
2005-06
2001-02
2002-03
2003-04
2004-05
2005-06
1
15
1161.94
40.77
1
..
936.10
78.56
1
..
744.38
29.62
1
15
1109.39
40.94
1
16
1503.26
33.26
9
724
1006.24
14.61
680
10458
423.74
2.84

Deposits
Investments
Advances
48
76
38
98
62
56
30
75
66
60
40
45
72
97
82
69
121
149
67
91
837
3922
1847
3364
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
13
4
2
3
16
4
5
4
10
4
2
4
13
5
3
4
17
5
7
5
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

2.25
9.91
22.02
6.39
7.13
13.30
1.04
5.61
17.94
0.99
6.74
16.41
2.17
3.51
11.47
3.61
4.93
18.35
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
3.42
27.65
0.47
7.19
37.17
0.48
1.93
54.43
0.80
2.49
55.31
0.00
1.48
81.71
0.00
2.09
12.58
0.78
1.00
12.24
1.22
No. of offices
No. of employees
27
Citibank
Foreign Banks
Items
Group All Banks

Average
Average
2005-06
2005-06
2001-02
2002-03
2003-04
2004-05
2005-06
18
1470
1566.82
22.14
20
1614
1660.19
24.26
26
2018
1666.92
28.33
35
2754
1359.51
21.75
39
3250
1607.92
21.71
9
724
1006.24
14.61
680
10458
423.74
2.84
1734
15242
6007
11385
2127
17743
7036
12629
2695
20465
6690
15259
3310
21484
8120
18111
4347
27912
10556
24455
837
3922
1847
3364
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1910
803
1103
757
1979
756
1030
837
2280
887
924
1010
2203
944
752
1223
3064
1043
1006
1525
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

6.07
6.64
8.74
5.02
6.32
10.11
3.91
6.02
13.04
2.77
6.29
12.35
3.04
6.53
13.60
3.61
4.93
18.35
4.35
3.79
20.17
3.60
11.04
0.40
2.88
11.30
1.17
3.55
11.11
1.40
2.84
10.78
1.00
3.07
11.33
0.95
2.09
12.58
0.78
1.00
12.24
1.22
No. of offices
No. of employees
Deposits
Investments
Advances
Return on Assets
CRAR
Net NPA ratio
28
City Union Bank

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
120
1361
203.50
2.10
126
1408
230.05
2.37
131
1396
286.80
4.09
137
1433
325.80
3.23
142
1605
339.69
3.51
259
4189
677.86
4.60
680
10458
423.74
2.84
142
1974
911
1011
165
2317
1099
1214
203
2847
1279
1547
241
3095
1102
2013
286
3518
1057
2550
1682
16394
6910
11999
2205
26054
10445
18261
212
48
158
38
234
54
167
40
276
66
180
45
291
33
180
63
326
44
187
75
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

8.67
3.93
11.86
7.73
3.89
11.36
6.90
4.56
11.10
6.00
4.42
12.76
5.53
5.19
13.89
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.33
13.97
8.22
1.33
13.95
8.21
1.86
13.36
6.37
1.33
12.18
3.37
1.46
12.33
1.95
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
29
Corporation Bank
Nationalised Banks
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
681
10238
290.44
3.00
691
10729
328.59
4.06
745
10734
365.56
4.98
799
10199
438.00
3.95
824
10754
527.00
4.13
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
2046
18924
8056
10987
2370
21725
10670
12029
2768
23191
10685
13890
3054
27233
10261
18546
3375
32877
10652
23962
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1946
382
1320
384
2103
532
1310
471
2201
517
1237
574
2250
565
1120
667
2626
571
1400
747
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

6.95
3.19
12.55
6.00
2.86
14.36
5.18
2.46
15.71
4.20
3.54
17.51
4.27
3.48
16.94
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.60
17.90
2.31
1.88
18.50
1.65
1.96
20.12
1.80
1.12
16.23
1.12
1.24
13.92
0.64
0.88
12.38
1.28
1.00
12.24
1.22
30
Foreign Banks
DBS Bank
Items
No. of offices
No. of employees
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
Group All Banks

Average
Average
2005-06
2005-06
2001-02
2002-03
2003-04
2004-05
2005-06
1
30
1237.57
35.98
1
..
1315.75
28.10
1
29
1669.70
-27.60
1
62
1110.99
14.52
2
131
1105.14
12.24
9
724
1006.24
14.61
680
10458
423.74
2.84
77
133
124
238
84
124
76
192
210
375
245
109
556
611
250
560
573
1452
551
892
837
3922
1847
3364
2205
26054
10445
18261
42
10
26
8
36
4
17
8
30
3
14
7
35
4
9
18
154
-9
60
39
422
179
178
194
2221
454
1287
707
6.23
7.10
9.59
4.99
6.73
14.68
4.35
5.19
17.17
1.56
1.72
38.56
4.33
-0.45
22.76
3.61
4.93
18.35
4.35
3.79
20.17
2.01
13.31
0.00
2.01
15.98
10.37
-1.69
55.49
0.00
0.89
35.06
0.00
0.73
31.33
0.00
2.09
12.58
0.78
1.00
12.24
1.22
31
Dena Bank
Nationalised Banks
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
1136
10700
221.00
0.11
1092
10553
242.00
1.08
1091
10347
274.00
2.23
1072
10201
313.00
0.60
1064
10156
364.00
0.72
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
977
15355
7648
7523
999
16491
8500
8436
1055
18349
9736
9412
1104
20897
9697
11309
1339
23623
8571
14231
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1708
353
1266
460
1772
437
1204
511
1735
617
1143
499
1725
311
1039
616
1760
459
1037
561
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

7.76
3.38
18.69
6.98
3.96
21.34
6.07
3.08
20.63
4.96
3.31
25.42
4.42
3.30
22.16
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.06
7.64
16.31
0.57
6.02
11.83
1.11
9.48
9.40
0.26
11.91
5.23
0.29
10.62
3.04
0.88
12.38
1.28
1.00
12.24
1.22
32
Foreign Banks
Deutsche Bank
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
5
445
986.22
27.95
5
405
894.19
43.31
5
418
1099.23
65.23
5
380
1608.93
20.31
8
678
1016.83
18.57
9
724
1006.24
14.61
680
10458
423.74
2.84
703
2477
1861
1888
839
1945
2459
1608
918
2533
2277
2098
1232
3558
2254
2541
1311
4380
3261
2582
837
3922
1847
3364
2205
26054
10445
18261
449
223
243
189
332
356
177
164
301
605
228
172
390
408
305
275
604
560
368
471
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

5.34
4.43
14.66
3.87
4.65
18.04
3.83
1.17
15.89
3.85
1.52
13.17
4.10
1.97
17.80
3.61
4.93
18.35
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
2.24
14.55
0.00
2.92
17.35
0.00
3.17
14.42
0.00
0.72
16.22
0.00
1.04
12.74
0.00
2.09
12.58
0.78
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
33
Development Credit Bank

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
60
1342
443.00
2.53
64
1327
463.00
2.60
76
1439
480.45
1.21
89
1503
402.00
-11.00
91
1279
390.00
-7.00
259
4189
677.86
4.60
680
10458
423.74
2.84
324
3692
1208
2259
246
3657
1224
2488
311
4474
2084
2440
200
3895
1834
2156
164
3124
1292
1867
1682
16394
6910
11999
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
377
96
286
83
359
87
288
98
352
88
257
130
303
91
234
165
277
80
202
175
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

7.83
2.99
9.25
7.40
1.48
10.96
5.56
2.97
14.31
5.11
2.97
13.63
5.43
3.33
13.71
4.31
4.21
12.22
4.35
3.79
20.17
0.95
11.49
6.47
0.85
10.08
7.76
0.37
14.26
4.87
-3.38
9.88
6.34
-2.01
9.66
4.50
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Return on Assets
CRAR
Net NPA ratio
34
Dhanalakshmi Bank
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
159
1269
199.24
0.78
166
1305
222.06
1.15
170
1325
248.63
1.32
182
1313
292.70
-1.65
185
1385
311.71
0.72
259
4189
677.86
4.60
680
10458
423.74
2.84
112
1657
651
918
120
1838
675
1080
134
2156
895
1139
114
2339
708
1410
134
2533
710
1594
1682
16394
6910
11999
2205
26054
10445
18261
181
59
139
51
189
70
136
60
191
58
122
61
192
15
119
69
210
27
127
82
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

8.40
3.08
17.97
7.32
3.49
20.09
5.80
4.52
21.05
5.07
4.62
20.92
4.97
4.65
20.04
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.53
11.23
11.66
0.71
10.45
9.25
0.71
13.56
6.68
-0.83
10.16
3.92
0.33
9.75
2.44
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
35
Items
2001-02
2002-03
No. of offices
No. of employees
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
36
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
Federal Bank
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
428
6240
219.00
1.31
435
6217
270.00
1.69
455
6363
327.00
2.14
471
6474
366.00
1.39
482
6366
431.00
3.54
259
4189
677.86
4.60
680
10458
423.74
2.84

Deposits
Investments
Advances
449
8865
3756
5189
530
10947
4552
6218
649
13477
5521
7701
723
15193
5799
8823
1250
17879
6272
11736
1682
16394
6910
11999
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1042
220
766
191
1111
234
772
222
1192
298
770
283
1191
212
689
314
1437
217
837
365
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

8.30
4.37
12.63
7.24
4.34
14.02
5.88
4.38
16.92
4.54
4.81
18.53
4.73
4.18
19.01
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.81
10.63
8.60
0.86
11.23
4.95
0.90
11.48
2.89
0.62
11.27
2.21
1.28
13.75
0.95
1.08
12.49
1.04
1.00
12.24
1.22
37
E,F
Items
2001-02
2002-03
No. of offices
No. of employees
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
38
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
Ganesh Bank of Kurundwad

Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
28
235
110.17
1.04
28
239
126.52
1.39
31
250
126.21
0.81
31
252
124.28
0.00
31
9
178
41
89
11
188
49
98
11
208
78
97
19
3
16
4
19
5
16
5
Cost of funds (CoF)

9.25
4.77
11.77
Return on Assets
CRAR
Net NPA ratio
1.14
10.08
14.08

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Group All Banks

Average
Average
2005-06
2005-06
259
4189
677.86
4.60
680
10458
423.74
2.84
11
217
82
95
1682
16394
6910
11999
2205
26054
10445
18261
18
4
16
5
18
-1
15
5
1328
352
824
443
2221
454
1287
707
8.72
3.97
12.38
8.02
3.99
14.58
7.02
5.18
15.43
4.31
4.21
12.22
4.35
3.79
20.17
1.65
10.44
12.89
0.86
11.94
10.59
-2.58
3.99
8.32
1.08
12.49
1.04
1.00
12.24
1.22
39
G,H
HDFC Bank

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
166
3742
778.00
9.75
215
4791
865.00
10.09
295
5673
866.00
9.39
446
9030
806.00
8.80
515
14878
758.00
7.39
259
4189
677.86
4.60
680
10458
423.74
2.84

Deposits
Investments
Advances
1942
17654
12004
6814
2252
22376
13388
11755
2694
30409
19363
17745
4520
36354
19350
25566
5300
55797
28394
35061
1682
16394
6910
11999
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1703
333
1074
418
2014
466
1192
577
2549
480
1211
810
3093
651
1316
1085
4475
1123
1930
1691
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

6.48
4.42
7.32
5.29
3.19
8.52
4.12
3.40
10.10
3.45
4.23
11.52
3.76
5.15
13.45
4.31
4.21
12.22
4.35
3.79
20.17
1.48
13.93
0.50
1.52
11.12
0.37
1.45
11.66
0.16
1.47
12.16
0.24
1.38
11.41
0.44
1.08
12.49
1.04
1.00
12.24
1.22
Return on Assets
CRAR
Net NPA ratio
40
Foreign Banks
Hongkong & Shanghai Banking Corpn.

Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
30
3355
595.80
4.97
33
3339
622.78
4.50
37
3130
820.91
6.32
39
3784
852.54
9.74
42
4985
975.65
12.07
9
724
1006.24
14.61
680
10458
423.74
2.84

Deposits
Investments
Advances
1231
12341
6274
7836
2298
12801
8870
8202
2453
16270
10395
9628
3578
17013
9169
12621
4166
24955
12142
16812
837
3922
1847
3364
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1499
478
997
502
1480
482
878
614
1558
561
723
624
1627
661
644
698
2202
928
828
1025
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

6.65
3.45
10.31
5.32
4.28
15.69
3.98
4.42
17.18
3.03
4.83
19.02
3.25
5.47
22.77
3.61
4.93
18.35
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.87
10.92
2.27
0.80
18.10
1.03
0.78
14.54
0.70
1.27
14.03
0.50
1.58
10.61
0.58
2.09
12.58
0.78
1.00
12.24
1.22
41
Items
2001-02
2002-03
No. of offices
No. of employees
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
42
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
ICICI Bank
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
359
7726
486.49
5.33
392
11544
1120.00
11.00
419
13609
1010.00
12.00
515
18029
880.00
11.00
563
25479
905.00
10.00
259
4189
677.86
4.60
680
10458
423.74
2.84

Deposits
Investments
Advances
6599
32085
35891
47035
7284
48169
35462
53279
8360
68109
43436
62648
12900
99819
50487
91405
22556
165083
71547
146163
1682
16394
6910
11999
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
2152
575
1559
623
9368
3159
7944
2012
9002
3065
7015
2571
9410
3416
6571
3299
13784
4983
9597
4480
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

2.91
-0.06
6.75
3.25
8.74
4.05
3.59
6.94
5.70
3.02
5.75
7.47
4.01
4.14
7.69
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.67
11.44
5.48
1.13
11.10
5.21
1.31
10.36
2.21
1.48
11.78
1.65
1.30
13.35
0.72
1.08
12.49
1.04
1.00
12.24
1.22
43
I,J
IDBI Ltd.
Nationalised Banks
Items
2001-02
2002-03
Group All Banks

Average
Average
2005-06
2005-06
2004-05
2005-06
157
4530
1349.60
6.85
173
4548
1718.24
12.45
1768
23375
388.17
2.26
680
10458
423.74
2.84
5926
15103
25055
45414
6372
26001
25351
52739
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
2656
627
2468
454
5381
1280
5001
859
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

0.62
4.19
5.39
1.58
7.40
5.44
4.26
3.86
21.37
4.35
3.79
20.17
0.78
15.51
1.74
0.68
14.80
1.01
0.88
12.38
1.28
1.00
12.24
1.22
No. of offices
No. of employees
Deposits
Investments
Advances
Return on Assets
CRAR
Net NPA ratio
44
2003-04
Nationalised Banks
Indian Bank
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
1443
22288
156.00
0.15
1422
22045
174.00
0.85
1415
21806
189.00
1.85
1417
21567
246.00
1.87
1435
21302
295.00
2.36
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
4185
24039
12408
10908
5130
27016
14839
12275
5538
30444
16696
14126
5936
34809
17921
18380
2491
40806
19017
22485
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
2294
502
1763
726
2532
525
1712
755
2667
747
1550
1062
2871
569
1567
914
3365
531
1854
1148
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

7.49
3.17
22.62
6.52
3.29
23.35
5.27
3.60
33.03
4.65
3.85
25.69
4.61
4.09
25.76
4.26
3.86
21.37
4.35
3.79
20.17
0.13
1.70
8.28
0.65
10.85
6.15
1.21
12.82
2.71
1.08
14.14
1.35
1.16
13.19
0.79
0.88
12.38
1.28
1.00
12.24
1.22
Return on Assets
CRAR
Net NPA ratio
45
Indian Overseas Bank
Nationalised Banks
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
1528
24674
175.41
0.93
1512
24458
204.36
1.70
1544
24382
232.51
2.10
1583
24366
269.48
2.66
1586
24178
354.73
3.22
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
1133
31808
15069
15162
1460
36699
18603
17447
2081
41483
20172
20295
2575
44241
19015
25205
3177
50529
18952
34756
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
3171
531
2201
885
3486
520
2264
947
3754
741
2155
1015
3951
800
2096
1159
4406
728
2339
1262
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

7.17
3.69
21.38
6.36
4.19
22.41
5.26
4.54
23.77
4.64
4.56
25.92
4.65
4.12
24.82
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.65
10.82
6.32
1.01
11.30
5.23
1.08
12.49
2.85
1.28
14.20
1.27
1.32
13.04
0.65
0.88
12.38
1.28
1.00
12.24
1.22
46
IndusInd Bank
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
41
738
1587.91
6.88
54
863
1284.06
9.50
62
1693
1079.95
14.98
127
2077
925.78
10.12
146
2365
880.18
1.56
259
4189
677.86
4.60
680
10458
423.74
2.84
562
8400
2485
5574
602
8598
2535
5348
800
11200
4483
7301
830
13114
4069
9000
866
15006
5410
9310
1682
16394
6910
11999
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
710
184
547
95
743
258
558
118
986
345
669
217
1134
251
719
265
1188
226
873
317
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

5.92
2.81
3.16
5.77
2.78
4.18
5.31
5.28
5.68
5.00
4.95
6.11
5.66
3.69
7.13
4.31
4.21
12.22
4.35
3.79
20.17
0.50
12.51
6.59
0.91
12.13
4.25
1.74
12.75
2.72
1.50
11.62
2.71
0.22
10.54
2.09
1.08
12.49
1.04
1.00
12.24
1.22
Items
No. of offices
No. of employees
Deposits
Investments
Advances
Return on Assets
CRAR
Net NPA ratio
47
ING Vysya Bank

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
396
5385
197.95
1.22
392
4775
242.00
1.69
384
4768
324.34
1.15
381
4587
394.92
-0.73
387
4892
426.00
0.17
259
4189
677.86
4.60
680
10458
423.74
2.84
687
8068
3597
4418
707
9187
3641
5612
748
10478
4085
6937
842
12569
4196
9081
1020
13335
4372
10232
1682
16394
6910
11999
2205
26054
10445
18261
923
281
740
259
905
358
688
333
924
363
680
346
991
123
634
380
1222
190
741
519
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

8.09
2.21
13.97
6.76
3.01
16.96
5.47
3.36
16.34
4.32
3.75
17.37
4.67
3.87
18.59
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.64
11.57
4.59
0.74
9.81
3.55
0.45
11.05
2.60
-0.25
9.09
2.13
0.05
10.67
1.76
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
48
Jammu & Kashmir Bank

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
401
6495
264.00
4.00
409
7112
287.00
5.00
428
7085
345.00
6.00
442
6873
435.00
2.00
450
6833
516.00
3.00
259
4189
677.86
4.60
680
10458
423.74
2.84
937
12911
5753
6424
1242
14675
6738
8011
1594
18661
8451
9285
1665
21645
9032
11517
1799
23485
9002
14483
1682
16394
6910
11999
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1354
257
915
234
1427
287
901
260
1521
302
901
293
1549
96
953
323
1706
133
1043
345
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

7.41
4.03
12.54
6.37
4.16
13.65
5.27
4.23
14.10
4.61
3.81
14.02
4.52
3.96
13.86
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.77
15.46
1.88
2.01
16.48
1.58
1.92
16.88
1.48
0.47
15.15
1.41
0.67
12.14
0.92
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
49
JP Morgan Chase Bank
Foreign Banks
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
1
..
223.86
38.61
1
..
243.21
37.37
1
56
259.33
28.74
1
67
593.74
69.96
1
82
1252.09
88.94
9
724
1006.24
14.61
680
10458
423.74
2.84
183
66
145
3
203
186
529
0
219
392
295
0
266
930
380
150
545
1826
2163
76
837
3922
1847
3364
2205
26054
10445
18261
24
46
11
27
29
27
8
17
37
21
9
23
40
93
16
27
126
101
52
42
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

6.34
44.58
30.29
1.79
0.00
39.26
1.98
0.00
38.39
2.19
-2.09
30.27
2.68
-2.65
20.98
3.61
4.93
18.35
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
3.18
85.88
0.00
3.10
72.95
0.00
2.34
34.83
0.00
3.58
10.19
0.00
2.53
11.76
0.00
2.09
12.58
0.78
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
50
Karnataka Bank
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
371
4144
247.24
2.20
374
4320
275.32
2.55
384
4300
320.23
3.10
398
4393
380.90
3.35
412
4346
478.29
4.05
259
4189
677.86
4.60
680
10458
423.74
2.84
442
7001
3467
3418
583
8292
4433
3900
698
9407
4879
4668
978
10837
4556
6287
1111
13243
5549
7792
1682
16394
6910
11999
2205
26054
10445
18261
743
241
603
131
811
239
657
141
848
270
635
154
840
221
523
197
1018
167
652
204
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

9.00
3.45
12.13
8.39
2.54
11.19
6.98
2.75
11.92
5.00
3.38
17.37
5.23
3.50
13.56
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.26
12.96
5.90
1.29
13.44
7.36
1.34
13.03
4.98
1.27
14.16
2.29
1.28
11.78
1.18
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
51
K,L
Karur Vysya Bank

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
226
2865
219.00
3.79
231
2833
288.00
4.41
238
2849
330.00
5.65
257
2811
387.00
3.75
263
2908
439.00
4.65
259
4189
677.86
4.60
680
10458
423.74
2.84
430
4180
1539
2460
558
5122
1850
3344
712
5911
2173
4023
761
6672
2219
4620
872
7576
2298
5555
1682
16394
6910
11999
2205
26054
10445
18261
482
105
318
108
516
132
347
104
648
74
350
157
591
113
334
171
650
143
368
197
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

7.44
3.31
12.49
6.85
3.58
13.34
6.05
3.75
15.55
5.18
3.75
15.13
4.99
3.91
15.45
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
2.42
16.90
6.33
2.25
17.01
4.20
2.43
17.11
2.32
1.45
16.07
1.66
1.65
14.79
0.81
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
52
Kotak Mahindra Bank

2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
41
1115
354.28
10.25
54
2099
387.27
5.37
78
3597
352.00
4.15
259
4189
677.86
4.60
680
10458
423.74
2.84
606
4459
2883
2097
757
4300
1827
4017
865
6566
2856
6349
1682
16394
6910
11999
2205
26054
10445
18261
288
95
118
140
420
132
195
224
694
243
339
387
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

1.48
8.56
17.15
3.55
6.91
20.48
4.82
5.58
23.59
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
2.40
15.25
0.17
1.56
12.80
0.37
1.39
11.27
0.24
1.08
12.49
1.04
1.00
12.24
1.22
Items
2001-02
2002-03
No. of offices
No. of employees
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
53
Krung Thai Bank
Foreign Banks
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
1
11
126.73
0.12
1
11
251.72
-3.66
1
11
291.03
7.12
1
11
460.75
0.19
1
11
395.25
37.77
9
724
1006.24
14.61
680
10458
423.74
2.84
39
4
4
10
39
16
8
12
40
17
8
16
40
34
33
16
42
33
24
11
837
3922
1847
3364
2205
26054
10445
18261
4
0
0
2
4
0
0
2
3
0
0
2
4
0
1
2
4
6
1
3
422
179
178
194
2221
454
1287
707
3.83
4.58
20.18
1.83
5.88
19.71
1.71
8.09
21.38
2.21
6.25
19.91
1.98
4.76
16.45
3.61
4.93
18.35
4.35
3.79
20.17
0.03
167.65
35.36
-0.73
119.88
0.00
1.37
115.98
0.00
0.03
99.59
0.00
5.37
133.53
0.00
2.09
12.58
0.78
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
54
Lakshmi Vilas Bank

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
230
1933
212.00
1.56
234
1984
228.00
1.72
240
1946
276.00
2.11
239
1928
296.00
0.17
240
1873
371.00
1.20
259
4189
677.86
4.60
680
10458
423.74
2.84
165
2477
904
1565
193
2771
1037
1764
227
3296
1338
2039
230
3496
1181
2318
291
4336
1280
2953
1682
16394
6910
11999
2205
26054
10445
18261
272
86
210
70
271
84
203
72
286
87
203
79
298
38
192
90
322
46
217
112
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

8.48
2.79
14.28
7.41
3.18
15.63
6.35
3.15
16.42
5.29
3.29
16.74
5.24
2.98
18.19
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.06
11.54
9.13
1.13
11.35
7.15
1.19
13.79
5.40
0.08
11.32
4.98
0.53
10.79
1.89
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
55
Lord Krishna Bank

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
99
945
246.41
2.09
102
976
261.17
2.36
111
1109
308.94
2.37
118
1163
306.35
0.00
118
1163
326.00
0.30
259
4189
677.86
4.60
680
10458
423.74
2.84
109
1502
629
826
120
1663
663
915
138
2311
1047
1118
181
2176
847
1387
183
2279
789
1421
1682
16394
6910
11999
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
144
75
131
38
156
67
129
42
166
68
133
54
195
1
138
59
184
27
130
69
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

9.00
1.73
9.70
7.91
1.99
10.55
6.50
2.11
11.16
5.87
3.53
12.51
5.52
2.80
15.92
4.31
4.21
12.22
4.35
3.79
20.17
1.26
16.50
9.85
1.28
12.82
6.33
1.33
16.54
6.05
0.00
11.74
4.22
0.17
10.11
3.11
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Return on Assets
CRAR
Net NPA ratio
56
Foreign Banks
Mashreq Bank
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
2
35
457.17
20.97
2
..
820.53
65.82
2
11
647.46
50.53
2
10
521.26
36.99
2
10
484.16
37.43
9
724
1006.24
14.61
680
10458
423.74
2.84
37
395
345
90
49
297
234
41
55
279
206
17
58
269
234
19
63
21
37
31
837
3922
1847
3364
2205
26054
10445
18261
57
15
46
10
44
9
32
7
34
2
26
4
29
4
25
4
20
7
18
4
422
179
178
194
2221
454
1287
707
9.83
5.73
6.12
8.37
9.70
4.55
8.98
12.81
4.22
8.98
-1.63
3.41
12.68
-5.64
5.37
3.61
4.93
18.35
4.35
3.79
20.17
1.59
20.54
0.00
3.24
39.38
0.00
1.76
54.71
0.00
1.10
60.14
0.00
1.30
136.92
0.00
2.09
12.58
0.78
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
57
M,N
Mizuho Corporate Bank
Foreign Banks
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
1
..
570.51
-11.80
1
39
486.66
2.21
1
42
527.80
16.06
1
52
608.21
18.67
1
50
684.21
8.88
9
724
1006.24
14.61
680
10458
423.74
2.84
72
159
60
232
77
143
65
188
157
51
33
182
164
110
151
267
369
137
91
328
837
3922
1847
3364
2205
26054
10445
18261
30
4
22
8
26
4
18
8
20
3
7
8
17
6
6
8
24
8
11
9
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

8.41
1.83
10.59
6.08
3.05
13.19
3.33
4.14
23.42
2.41
2.73
26.87
4.56
1.65
19.67
3.61
4.93
18.35
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
-1.57
11.14
4.75
0.31
18.50
0.76
2.41
36.09
0.76
2.13
28.76
0.00
0.88
65.76
0.15
2.09
12.58
0.78
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
58
Nainital Bank
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
57
644
104.49
0.89
60
613
115.38
1.17
63
604
124.56
1.91
69
614
162.32
2.00
81
624
225.00
2.00
259
4189
677.86
4.60
680
10458
423.74
2.84
31
608
332
131
58
669
349
172
67
759
410
236
76
933
421
363
113
1125
372
603
1682
16394
6910
11999
2205
26054
10445
18261
63
3
38
17
67
5
39
22
70
13
37
26
74
9
36
25
92
13
40
37
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

6.58
5.43
22.97
6.10
5.39
26.70
5.18
6.25
31.25
4.31
6.47
28.56
3.90
6.10
35.67
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.92
14.88
0.00
1.14
20.93
0.00
1.58
18.54
0.00
1.25
14.85
0.00
1.06
13.88
0.00
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
59
Items
2001-02
2002-03
No. of offices
No. of employees
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
60
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
Foreign Banks
Oman International Bank

Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
2
65
961.83
-45.39
2
39
1355.31
-26.81
2
35
1233.79
-5.61
2
35
1132.28
-40.79
2
40
784.01
-9.35
9
724
1006.24
14.61
680
10458
423.74
2.84
153
433
134
48
153
357
110
28
153
286
142
17
161
225
128
13
162
203
115
8
837
3922
1847
3364
2205
26054
10445
18261
29
7
42
8
24
10
33
8
21
7
23
6
18
2
15
5
17
1
14
6
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

9.45
-3.34
5.36
8.02
-0.88
7.97
6.51
-0.42
5.37
5.11
-1.89
6.87
5.69
-1.87
7.73
3.61
4.93
18.35
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
-5.80
18.86
41.52
2.19
14.62
42.15
-0.38
16.48
61.37
-2.86
13.52
55.05
-1.31
9.58
41.58
2.09
12.58
0.78
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
61
O,P
Oriental Bank of Commerce
Nationalised Banks
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
1005
13589
318.00
2.40
1028
13507
343.00
3.40
1051
13588
416.00
5.10
1168
14563
512.23
6.67
1184
14962
570.26
5.37
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
1620
28488
13724
14158
2110
29809
14781
15677
2677
35674
16794
19681
3327
47850
18342
25299
5171
50197
16818
33577
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
3040
474
2068
529
3304
531
2090
583
3301
722
1845
644
3572
505
2048
796
4119
553
2514
966
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

7.55
3.67
11.11
6.82
3.47
13.01
5.35
3.65
14.72
4.67
3.39
13.96
4.92
3.11
14.38
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.00
10.99
3.20
1.30
14.04
1.40
1.70
14.47
0.00
2.01
9.21
1.29
1.39
12.46
0.49
0.88
12.38
1.28
1.00
12.24
1.22
62
Nationalised Banks
Punjab & Sind Bank

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
778
9916
181.67
0.23
780
9813
196.45
0.05
785
9778
205.08
0.09
787
9632
217.57
-0.74
786
9542
277.23
1.14
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
445
12483
5745
5577
457
13224
6237
5892
467
13642
6777
6030
440
14171
7082
6322
1222
16925
6956
9107
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1266
228
949
381
1284
307
898
413
1279
256
785
600
1249
256
676
571
1300
151
669
483
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

7.45
3.44
21.11
6.65
3.92
23.96
5.63
4.38
34.68
4.66
5.16
36.66
4.10
4.49
31.39
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.17
10.70
11.70
0.03
10.43
10.89
0.06
11.06
9.62
-0.45
9.46
8.11
0.64
12.83
2.43
0.88
12.38
1.28
1.00
12.24
1.22
63
Punjab National Bank
Nationalised Banks
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
3932
57859
167.76
0.97
4115
58981
195.64
1.43
4100
58839
228.22
1.88
4128
58329
276.87
2.42
4142
58047
330.92
2.48
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
3381
64123
28207
34369
4033
75814
34030
40228
5012
87916
42125
47225
8161
103167
50673
60413
9376
119685
41055
74627
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
6648
978
4353
1799
7485
1250
4361
2057
7780
1867
4155
2371
8460
1676
4453
3278
9584
1231
4917
3023
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

6.87
3.76
21.40
5.91
4.04
23.00
4.76
4.11
25.35
4.31
3.58
31.35
4.03
3.88
26.64
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.77
10.70
5.32
0.98
12.02
3.86
1.08
13.10
0.98
1.17
14.78
0.20
1.09
11.95
0.29
0.88
12.38
1.28
1.00
12.24
1.22
64
Ratnakar Bank
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
71
538
162.54
1.27
71
530
179.73
1.81
75
533
198.36
1.58
75
545
220.75
-1.73
78
544
250.92
0.11
259
4189
677.86
4.60
680
10458
423.74
2.84
34
604
253
270
41
642
271
312
53
715
288
346
45
784
265
424
54
874
277
491
1682
16394
6910
11999
2205
26054
10445
18261
64
27
44
21
65
19
45
19
65
12
43
20
66
5
39
22
70
6
40
23
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

7.76
6.09
21.06
7.20
5.86
17.39
6.29
5.45
19.46
5.16
5.09
21.69
4.80
5.36
22.82
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.16
13.60
8.60
1.42
14.05
7.42
1.12
16.65
5.58
-1.17
12.03
5.54
0.07
10.69
2.61
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Q,R
65
Items
2001-02
2002-03
No. of offices
No. of employees
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
66
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
Sangli Bank
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
189
2066
83.34
0.50
189
2026
91.31
0.59
191
1984
95.70
0.62
192
1923
105.35
-1.66
194

Deposits
Investments
Advances
70
1613
686
563
80
1678
953
568
86
1859
1080
648
139
34
97
50
139
32
99
51
Cost of funds (CoF)

6.17
4.08
26.34
Return on Assets
CRAR
Net NPA ratio
0.60
11.64
5.97
Interest income
Other income
Interest expended
Operating expenses
Group All Banks

Average
Average
2005-06
2005-06
259
4189
677.86
4.60
680
10458
423.74
2.84
85
1985
920
812
1682
16394
6910
11999
2205
26054
10445
18261
135
30
82
55
137
9
86
54
1328
352
824
443
2221
454
1287
707
6.01
4.68
25.95
4.65
3.54
29.73
4.49
1.71
29.36
4.31
4.21
12.22
4.35
3.79
20.17
0.66
14.94
6.89
0.64
13.68
6.56
-1.52
9.30
4.30
1.08
12.49
1.04
1.00
12.24
1.22
67
S,T
SBI Comm. & Intl. Bank

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
3
106
739.09
2.87
3
104
621.78
-7.71
3
105
570.69
17.12
3
103
527.06
-9.73
3
101
626.43
5.70
259
4189
677.86
4.60
680
10458
423.74
2.84
89
562
190
245
80
494
149
176
98
373
143
121
88
331
101
231
94
378
111
254
1682
16394
6910
11999
2205
26054
10445
18261
57
16
51
8
49
13
36
9
40
20
26
8
26
9
17
8
36
10
19
8
1328
352
824
443
2221
454
1287
707
8.92
1.61
4.83
6.58
1.14
7.01
5.94
5.79
8.92
4.33
0.68
12.77
4.77
2.25
11.51
4.31
4.21
12.22
4.35
3.79
20.17
0.46
22.10
23.43
-1.45
21.19
20.88
3.67
30.43
18.31
-2.10
23.56
7.65
1.09
22.29
3.82
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
68
Foreign Banks
Societe Generale
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
4
77
340.60
-15.40
2
55
351.50
-13.60
2
59
1017.00
25.40
2
58
1057.90
25.40
2
113
1467.20
20.80
9
724
1006.24
14.61
680
10458
423.74
2.84
70
134
146
149
138
128
276
87
152
475
459
171
321
527
593
159
339
943
1087
271
837
3922
1847
3364
2205
26054
10445
18261
42
8
36
16
31
9
20
17
30
20
16
15
37
12
20
17
93
24
52
31
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

7.01
3.37
13.76
4.73
4.11
21.27
3.31
1.77
21.13
3.96
0.90
19.77
5.26
1.39
20.56
3.61
4.93
18.35
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
-2.18
12.85
0.52
-1.44
32.63
0.00
2.14
32.71
1.37
1.61
64.81
0.00
1.15
37.40
0.00
2.09
12.58
0.78
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
69
Sonali Bank
Foreign Banks
Items
No. of offices
No. of employees
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
Group All Banks

Average
Average
2005-06
2005-06
2001-02
2002-03
2003-04
2004-05
2005-06
1
38
59.93
2.96
1
39
76.62
1.05
1
37
74.54
2.57
1
42
66.68
3.39
1
45
54.81
1.21
9
724
1006.24
14.61
680
10458
423.74
2.84
4
17
5
9
4
29
5
6
5
29
6
6
6
22
7
6
5
20
7
3
837
3922
1847
3364
2205
26054
10445
18261
1
3
1
2
1
3
1
2
1
4
1
3
1
5
1
3
1
4
1
3
422
179
178
194
2221
454
1287
707
3.33
5.85
37.91
2.74
4.83
36.72
2.02
6.83
39.67
2.64
7.85
41.96
2.58
9.00
44.44
3.61
4.93
18.35
4.35
3.79
20.17
1.40
113.64
1.58
1.23
46.86
6.77
3.34
60.55
1.47
4.00
105.81
1.90
1.69
93.78
0.75
2.09
12.58
0.78
1.00
12.24
1.22
70
South Indian Bank

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
386
3697
218.00
1.68
397
3550
265.00
2.04
417
3534
306.00
2.39
439
3588
352.00
0.24
440
3709
422.00
1.37
259
4189
677.86
4.60
680
10458
423.74
2.84
275
5920
2181
3231
321
6861
2999
3613
395
8280
3962
4197
456
8492
3133
5365
641
9579
2739
6370
1682
16394
6910
11999
2205
26054
10445
18261
615
139
460
121
655
182
479
142
680
235
480
193
709
102
452
187
761
72
451
226
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

8.43
4.20
14.52
7.25
3.64
15.19
6.08
3.09
19.41
5.18
3.97
18.54
4.81
4.55
20.58
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.07
11.20
6.64
1.25
10.75
5.98
1.00
11.32
4.55
0.09
9.89
3.81
0.53
13.02
1.86
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
71
Standard Chartered Bank
Foreign Banks
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
61
1654
794.41
20.38
70
3673
840.54
25.15
71
4461
780.11
13.40
85
5232
786.36
11.50
87
5390
837.29
14.50
9
724
1006.24
14.61
680
10458
423.74
2.84

Deposits
Investments
Advances
1521
9425
7017
9033
2800
18003
10223
13042
2733
19949
10079
16152
3234
22522
10160
19970
4562
28460
11812
24077
837
3922
1847
3364
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1645
517
933
450
2287
561
1153
579
2523
699
1071
775
2493
525
1107
842
3056
822
1190
965
422
179
178
194
2221
454
1287
707
Cost of funds (CoF)

6.67
7.36
10.31
5.75
7.49
9.53
3.78
6.69
11.94
3.20
6.07
14.66
3.44
5.71
18.30
3.61
4.93
18.35
4.35
3.79
20.17
2.03
9.28
0.40
2.92
10.56
0.31
1.74
10.87
0.52
1.97
10.46
1.12
2.49
9.93
1.57
2.09
12.58
0.78
1.00
12.24
1.22
Return on Assets
CRAR
Net NPA ratio
72
SBI & its Associates
State Bank of Bikaner & Jaipur

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
816
13293
129.42
1.31
818
13209
145.64
1.63
824
13054
169.82
5.52
833
12120
220.29
1.69
836
12089
276.85
1.20
1755
33826
337.73
2.20
680
10458
423.74
2.84
752
11661
6305
5883
903
13280
7682
6773
1149
16453
8443
8597
1298
19038
8362
12036
1406
21694
7932
15896
4704
67801
28118
46440
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1357
301
867
400
1438
340
887
450
1574
491
857
527
1741
483
872
622
1966
359
973
760
6140
1224
3476
1971
2221
454
1287
707
Cost of funds (CoF)

7.61
3.30
22.80
6.88
3.41
23.91
5.68
3.32
26.06
4.80
3.92
27.79
4.46
4.12
28.52
4.74
3.04
24.47
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.06
12.26
4.96
1.13
13.08
4.13
1.49
12.93
1.24
0.88
12.60
1.61
0.53
12.08
1.18
0.87
11.53
1.39
1.00
12.24
1.22

Deposits
Investments
Advances
73
State Bank of Hyderabad

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
905
13476
166.04
1.68
911
13378
226.20
2.25
920
13278
265.86
2.87
943
13107
339.74
1.91
959
13108
414.34
3.26
1755
33826
337.73
2.20
680
10458
423.74
2.84

Deposits
Investments
Advances
998
17403
9828
8423
1251
20599
12519
9663
1574
25311
14532
11814
1765
28930
14559
15600
2114
34025
14256
20863
4704
67801
28118
46440
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1918
365
1269
415
2067
462
1320
451
2213
707
1372
535
2325
422
1363
671
2749
590
1655
816
6140
1224
3476
1971
2221
454
1287
707
Cost of funds (CoF)

7.61
3.46
16.82
6.70
3.35
17.32
5.81
3.12
17.91
4.87
3.22
19.53
4.99
3.16
21.51
4.74
3.04
24.47
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.02
13.67
4.97
1.15
14.91
3.25
1.25
14.29
0.65
0.79
11.74
0.61
1.13
12.08
0.36
0.87
11.53
1.39
1.00
12.24
1.22
74
State Bank of India

Items
Group All Banks

Average
Average
2005-06
2005-06
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
9102
209462
173.01
1.16
9088
208998
191.00
1.47
9107
207039
210.56
1.77
9185
205515
243.08
2.08
9241
198774
299.23
2.17
1755
33826
337.73
2.20
680
10458
423.74
2.84

Deposits
Investments
Advances
15224
270560
145142
120806
17203
296123
172348
137758
20231
318619
185676
157934
24072
367048
197098
202374
27644
380046
162534
261642
4704
67801
28118
46440
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
29810
4174
20729
7211
31087
5740
21109
7942
30460
7612
19274
9245
32428
7120
18483
10074
35795
7389
20159
11725
6140
1224
3476
1971
2221
454
1287
707
Cost of funds (CoF)

7.47
1.97
18.44
6.96
1.73
19.58
5.74
1.88
22.61
4.90
2.34
24.19
4.74
2.89
25.48
4.74
3.04
24.47
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.70
13.35
5.63
0.86
13.50
4.50
0.94
13.53
3.48
0.99
12.45
2.65
0.89
11.88
1.87
0.87
11.53
1.39
1.00
12.24
1.22
75
State Bank of Indore

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
435
6537
171.00
1.91
443
6530
220.52
3.06
451
6540
230.77
3.45
456
6454
293.88
2.07
453
6647
429.32
2.09
1755
33826
337.73
2.20
680
10458
423.74
2.84
413
7918
4531
4289
584
9217
5137
5183
791
10511
5429
6406
904
13807
5898
9041
1018
16661
5112
11876
4704
67801
28118
46440
2205
26054
10445
18261
888
275
596
225
986
302
619
248
1046
361
593
282
1110
178
608
328
1323
276
781
397
6140
1224
3476
1971
2221
454
1287
707
Cost of funds (CoF)

7.45
2.88
18.65
6.68
3.60
19.16
5.56
3.00
20.28
4.54
3.51
20.87
4.51
3.58
18.18
4.74
3.04
24.47
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.24
12.78
3.58
1.76
13.09
2.66
1.73
12.39
0.00
0.92
11.61
1.00
0.76
11.40
1.83
0.87
11.53
1.39
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
76
Foreign Banks
State Bank of Mauritius

Items
No. of offices
No. of employees
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
Group All Banks

Average
Average
2005-06
2005-06
2001-02
2002-03
2003-04
2004-05
2005-06
3
38
1012.00
8.08
3
36
1124.00
12.00
3
29
1523.00
20.00
3
29
1191.00
18.00
3
29
1688.00
10.00
9
724
1006.24
14.61
680
10458
423.74
2.84
111
180
129
194
115
156
106
249
120
180
112
262
126
150
140
222
133
264
119
225
837
3922
1847
3364
2205
26054
10445
18261
36
12
25
5
25
11
14
5
29
14
17
5
36
2
23
5
40
2
25
5
422
179
178
194
2221
454
1287
707
9.02
1.82
5.33
5.40
1.48
8.18
5.69
0.63
7.71
7.31
1.20
4.98
7.94
0.28
5.76
3.61
4.93
18.35
4.35
3.79
20.17
0.85
46.78
16.30
1.18
31.74
14.20
1.33
35.08
4.64
1.20
31.06
4.08
1.97
35.41
1.91
2.09
12.58
0.78
1.00
12.24
1.22
77
State Bank of Mysore

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
608
9872
124.96
0.67
614
9743
146.49
1.19
626
9693
162.81
1.82
640
9564
203.54
2.16
646
9744
289.93
2.22
1755
33826
337.73
2.20
680
10458
423.74
2.84
352
8525
4159
4915
431
9013
4761
5261
582
11273
5487
6307
756
13585
5796
8781
935
16369
5694
11754
4704
67801
28118
46440
2205
26054
10445
18261
971
233
656
314
1037
294
651
328
1057
340
603
370
1174
380
623
479
1347
347
735
520
6140
1224
3476
1971
2221
454
1287
707
Cost of funds (CoF)

7.61
3.19
24.91
6.88
3.49
25.38
5.51
4.14
27.26
4.69
4.01
30.00
4.51
4.00
23.57
4.74
3.04
24.47
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.64
11.81
7.36
1.02
11.62
5.19
1.28
11.53
2.96
1.25
12.08
0.92
1.23
11.37
0.74
0.87
11.53
1.39
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
78
State Bank of Patiala

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
728
11836
194.31
1.97
742
11654
246.37
2.76
747
11674
305.24
3.69
754
11595
361.15
2.48
762
11350
493.01
2.66
1755
33826
337.73
2.20
680
10458
423.74
2.84

Deposits
Investments
Advances
1142
13947
5705
8679
1412
17870
8122
10746
1731
22473
11110
13086
2045
26496
12312
15359
2206
33778
12862
22180
4704
67801
28118
46440
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1505
264
848
357
1764
356
975
395
1888
630
1066
449
2133
356
1157
479
2462
347
1465
612
6140
1224
3476
1971
2221
454
1287
707
Cost of funds (CoF)

6.54
3.73
20.58
5.99
4.13
19.15
5.14
3.19
18.56
4.62
3.28
17.98
4.66
3.37
17.92
4.74
3.04
24.47
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.34
12.55
2.94
1.51
13.57
1.49
1.60
13.56
0.00
0.91
14.21
1.23
0.73
13.55
0.99
0.87
11.53
1.39
1.00
12.24
1.22
79
State Bank of Saurashtra

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
421
7440
152.12
1.10
424
7406
167.87
1.25
428
7391
193.16
2.40
429
7325
263.06
0.56
439
7257
303.94
0.64
1755
33826
337.73
2.20
680
10458
423.74
2.84
568
7603
3546
4111
625
9051
4760
4649
767
10675
5846
5240
794
12613
6086
6714
977
13841
5925
8443
4704
67801
28118
46440
2205
26054
10445
18261
843
173
563
232
904
215
585
248
978
306
574
257
1132
133
624
254
1177
136
698
308
6140
1224
3476
1971
2221
454
1287
707
Cost of funds (CoF)

7.61
2.95
18.55
6.73
2.82
18.57
5.49
2.97
19.22
4.95
2.66
18.79
4.88
2.74
22.81
4.74
3.04
24.47
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.88
13.20
4.95
0.85
13.68
3.53
1.38
14.53
0.00
0.31
11.45
1.40
0.31
12.03
1.16
0.87
11.53
1.39
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
80
State Bank of Travancore

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
683
12137
178.78
1.06
682
12005
217.68
1.51
679
12007
271.78
2.16
681
11828
346.25
2.21
703
11642
381.19
2.34
1755
33826
337.73
2.20
680
10458
423.74
2.84

Deposits
Investments
Advances
610
13460
6372
7436
723
15926
8039
9171
925
19721
10778
11132
1130
24133
10592
14848
1332
25997
10630
18866
4704
67801
28118
46440
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1454
230
1029
333
1584
300
1062
368
1740
470
1057
452
2008
409
1112
503
2299
351
1343
632
6140
1224
3476
1971
2221
454
1287
707
Cost of funds (CoF)

8.00
1.87
17.98
6.81
2.70
18.84
5.54
3.00
20.99
4.76
3.03
20.90
4.89
3.01
20.49
4.74
3.04
24.47
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.73
12.54
5.72
0.90
11.30
3.06
1.02
11.36
1.39
0.86
11.05
1.81
0.86
11.15
1.47
0.87
11.53
1.39
1.00
12.24
1.22
81
Syndicate Bank
Nationalised Banks
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
1849
25570
155.12
0.89
1840
27105
179.95
1.30
1875
26746
240.31
1.62
1905
24834
280.22
1.53
1974
24624
348.64
2.05
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
1410
28548
11911
14885
1580
30661
13823
16305
1905
42585
17917
20647
2199
46295
20371
26729
2834
53624
17269
36466
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
2882
276
1775
1028
2875
495
1665
1086
3085
776
1656
1186
3758
590
2064
1264
4050
592
2170
1435
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

6.35
5.08
29.10
5.50
4.33
30.88
4.41
4.20
31.05
4.49
4.13
28.89
4.10
4.55
28.78
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.98
12.12
4.63
1.31
11.03
4.29
1.67
11.49
2.58
0.82
10.70
1.59
0.91
11.73
0.86
0.88
12.38
1.28
1.00
12.24
1.22
82
Tamilnad Mercantile Bank

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
173
2228
245.45
2.48
175
..
270.83
2.88
182
2189
292.43
3.69
183
2286
316.97
3.60
184
2295
358.29
4.41
259
4189
677.86
4.60
680
10458
423.74
2.84
332
3730
1816
1773
397
4085
2142
1960
477
4404
2354
2114
559
4827
2286
2626
657
5203
2362
3126
1682
16394
6910
11999
2205
26054
10445
18261
433
62
289
85
472
59
302
93
538
68
322
114
513
68
282
125
548
83
302
130
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

8.01
4.38
13.55
7.53
4.11
14.03
6.53
4.92
14.82
5.72
4.73
17.96
5.72
4.33
17.31
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
1.29
18.02
6.66
1.35
18.54
8.70
1.59
21.07
5.00
1.52
19.74
2.95
1.67
18.33
2.17
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
83
Items
2001-02
2002-03
No. of offices
No. of employees
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
84
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
Nationalised Banks
UCO Bank
Items
No. of offices
No. of employees
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Cost of funds (CoF)
Return on Assets
CRAR
Net NPA ratio
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
1795
25567
163.00
0.66
1796
25060
197.00
0.85
1789
25116
249.00
1.79
1798
24855
321.00
1.43
1815
24510
387.00
0.82
1768
23375
388.17
2.26
680
10458
423.74
2.84
2762
26849
12302
12805
1205
31343
14138
15923
1801
39244
17611
20626
2069
49470
19064
27656
2463
54544
19636
37378
3869
54004
20440
36730
2205
26054
10445
18261
2542
583
1812
837
2793
609
1911
867
3096
625
1902
1021
3549
516
2140
1085
4355
464
2789
1177
4425
677
2623
1288
2221
454
1287
707
7.13
3.09
25.93
6.29
3.42
24.83
5.17
3.68
24.07
4.61
3.35
26.64
5.01
3.08
22.19
4.26
3.86
21.37
4.35
3.79
20.17
0.60
9.64
5.45
0.66
10.04
4.36
1.13
11.88
3.65
0.73
11.26
2.93
0.34
11.12
2.10
0.88
12.38
1.28
1.00
12.24
1.22
85
U,V,W
Union Bank of India
Nationalised Banks
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
2117
25822
214.75
1.22
2112
25706
249.70
2.15
2109
25630
286.48
2.78
2139
25645
343.08
2.81
2169
25421
436.47
2.66
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
2107
39794
15410
21383
2567
44749
19371
25515
3087
50559
22946
28922
3614
61831
22793
40105
4558
74094
25918
53380
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
4016
499
2679
967
4306
825
2809
1018
4516
831
2780
1085
4970
766
2905
1257
5864
625
3489
1402
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

6.91
4.25
18.84
6.35
3.66
18.01
5.45
3.34
18.66
4.74
3.58
19.37
4.61
3.43
17.72
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.71
11.07
6.26
1.08
12.41
4.91
1.30
12.32
2.87
1.10
12.09
2.64
0.84
11.41
1.56
0.88
12.38
1.28
1.00
12.24
1.22
86
Nationalised Banks
United Bank of India

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
1341
17959
144.00
0.66
1336
17745
162.00
1.77
1338
17887
169.00
1.76
1345
17493
208.00
1.72
1350
17319
254.00
1.18
1768
23375
388.17
2.26
680
10458
423.74
2.84
1964
19611
11656
6823
1962
21031
12639
7352
1960
22758
14233
7963
1957
25348
14403
11390
1829
29250
14130
15522
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
2035
394
1433
758
2119
428
1400
592
2073
505
1292
673
2133
478
1218
704
2360
457
1340
834
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

7.31
3.00
29.76
6.75
3.50
24.17
5.81
2.95
26.21
4.97
3.70
25.90
4.72
3.85
28.91
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.54
12.02
7.90
1.37
15.17
5.52
1.25
17.04
3.75
1.04
18.16
2.43
0.62
13.12
1.95
0.88
12.38
1.28
1.00
12.24
1.22

Deposits
Investments
Advances
87
United Western Bank

Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
235
3347
207.00
0.77
238
3275
242.00
0.83
237
3213
290.00
0.96
237
3158
309.00
-3.12
237
3062
324.00
-3.48
259
4189
677.86
4.60
680
10458
423.74
2.84
254
4491
1678
2658
279
5391
1915
3145
304
6430
2413
3744
244
6453
2102
3976
301
6480
2214
4006
1682
16394
6910
11999
2205
26054
10445
18261
492
153
391
100
477
145
358
126
463
133
341
122
487
66
340
140
486
56
321
181
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

7.56
3.11
13.58
6.79
3.04
17.75
5.44
2.42
16.35
5.01
2.84
15.80
4.77
2.95
21.58
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.50
9.79
10.72
0.46
10.17
9.50
0.43
10.13
8.95
-1.42
4.86
5.83
-1.55
0.99
5.66
1.08
12.49
1.04
1.00
12.24
1.22

Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
88
UTI Bank
Group All Banks

Average
Average
2005-06
2005-06
Items
2001-02
2002-03
2003-04
2004-05
2005-06
No. of offices
No. of employees
112
1721
896.00
7.79
137
2338
926.00
8.22
185
3447
808.00
8.07
250
4761
1021.00
8.02
348
6553
1020.00
8.69
259
4189
677.86
4.60
680
10458
423.74
2.84

Deposits
Investments
Advances
615
12287
5678
5352
918
16965
7841
7180
1138
20954
7793
9363
2422
31712
15048
15603
2886
40114
21527
22314
1682
16394
6910
11999
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1180
416
980
205
1465
410
1142
323
1587
540
1021
419
1924
416
1193
581
2889
730
1811
814
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

7.65
2.95
4.18
6.94
4.81
5.82
4.87
4.41
8.42
3.94
3.90
9.97
4.23
3.83
9.15
4.31
4.21
12.22
4.35
3.79
20.17
1.13
10.65
3.46
1.17
10.90
2.39
1.42
11.21
1.29
1.21
12.66
1.39
1.18
11.08
0.98
1.08
12.49
1.04
1.00
12.24
1.22
Return on Assets
CRAR
Net NPA ratio
89
Vijaya Bank
Nationalised Banks
Items
2001-02
2002-03
2003-04
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
No. of offices
No. of employees
886
11827
169.38
1.16
899
11723
193.62
1.76
927
11624
249.39
3.73
968
11491
310.50
3.45
979
11494
369.26
1.16
1768
23375
388.17
2.26
680
10458
423.74
2.84

Deposits
Investments
Advances
664
14681
7361
6197
812
17020
8862
7891
1336
21015
10837
11045
1590
25618
12069
14336
1669
27709
11180
16664
3869
54004
20440
36730
2205
26054
10445
18261
Interest income
Other income
Interest expended
Operating expenses
1539
189
1053
422
1671
346
1027
557
1940
526
1102
498
2097
351
1110
538
2312
369
1339
624
4425
677
2623
1288
2221
454
1287
707
Cost of funds (CoF)

7.29
4.70
20.74
6.18
4.55
27.08
5.45
4.83
20.72
4.51
4.53
19.22
4.63
4.03
19.30
4.26
3.86
21.37
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
0.86
12.25
6.02
1.13
12.66
2.61
1.91
14.11
0.91
1.43
12.92
0.59
0.45
11.94
0.85
0.88
12.38
1.28
1.00
12.24
1.22
90
Yes Bank
2004-05
2005-06
Group All Banks

Average
Average
2005-06
2005-06
3
207
687.93
-1.82
6
627
848.08
8.82
259
4189
677.86
4.60
680
10458
423.74
2.84
217
663
395
761
573
2910
1350
2407
1682
16394
6910
11999
2205
26054
10445
18261
30
18
12
40
190
100
105
86
1328
352
824
443
2221
454
1287
707
Cost of funds (CoF)

1.15
1.89
41.07
4.72
3.88
26.27
4.31
4.21
12.22
4.35
3.79
20.17
Return on Assets
CRAR
Net NPA ratio
-0.29
18.81
0.00
2.13
16.43
0.00
1.08
12.49
1.04
1.00
12.24
1.22
Items
2001-02
2002-03
No. of offices
No. of employees
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
91
2003-04
X,Y,Z

A Profile of Banks 2005-06: Reserve Bank of India

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A Profile of Banks 2005-06: Reserve Bank of India

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A Profile of Banks

Reserve Bank of India

Copies of this publication are available from the Director,

Cheques/drafts should be drawn in favour of Reserve Bank of India

Bank group level averages

ABN Amro Bank

Group All Banks

Cost of funds (CoF)

Capital and reserves & surplus

Abu Dhabi Commercial Bank

Group All Banks

Cost of funds (CoF)

Group All Banks

Capital and reserves & surplus

Cost of funds (CoF)

American Express Bank

Group All Banks

Cost of funds (CoF)

Capital and reserves & surplus

Group All Banks

Capital and reserves & surplus

Cost of funds (CoF)

Antwerp Diamond Bank

Group All Banks

Cost of funds (CoF)

Arab Bangladesh Bank

Group All Banks

Capital and reserves & surplus

Bank International Indonesia

Group All Banks

Capital and reserves & surplus

Group All Banks

Cost of funds (CoF)

Bank of Bahrain & Kuwait

Group All Banks

Capital and reserves & surplus

Group All Banks

Capital and reserves & surplus

Cost of funds (CoF)

Group All Banks

Capital and reserves & surplus

Cost of funds (CoF)

Group All Banks

Capital and reserves & surplus

Cost of funds (CoF)

Group All Banks

Capital and reserves & surplus

Cost of funds (CoF)

Bank of Nova Scotia

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Cost of funds (CoF)

Other Scheduled Commercial Banks

Group All Banks

Cost of funds (CoF)

Capital and reserves & surplus

Bank of Tokyo Mitsubishi UFJ

Group All Banks

Capital and reserves & surplus

Cost of funds (CoF)

Group All Banks

Cost of funds (CoF)

Capital and reserves & surplus