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SBI & its Associates

State Bank of Bikaner & Jaipur


(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

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

861
12089
276.85
1.20

887
11752
355.89
2.57

909
11421
445.45
2.73

928
11439
555.39
3.55

952
12356
627.67
3.96

Group Aggregates
2009-10
18114
267332
735.52
4.65

Capital and Reserves & surplus


Deposits
Investments
Advances

1406
21694
7932
15896

1654
28480
8735
20526

1713
34108
10498
25076

2046
39224
10999
29851

2417
46059
13601
35223

83726
1108086
377658
858198

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

1966
248
973
760

2374
493
1435
753

3052
472
2113
750

3810
577
2707
787

3977
583
2766
890

97954
18394
66229
25199

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.46
4.12
28.52

5.20
4.20
21.79

6.17
3.96
15.61

6.66
4.22
13.19

5.77
3.81
13.73

5.32
3.60
17.03

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

0.53
12.08
1.18

1.00
12.89
1.09

0.87
12.51
0.83

0.92
14.52
0.85

0.93
13.3
0.77

0.91
13.46
1.50

1.05
14.58
1.12

SBI & its Associates

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

State Bank of Hyderabad


(Amount in rupees crore)

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

2005-06
968
13108
414.34

2006-07
990
12880
473.64

2007-08
1026
12813
599.08

2008-09
1059
12577
839.82

2009-10
1162
13597
755.62

Group Aggregates
2009-10
18114
267332
735.52

All Banks' Aggregates


2009-10
71998
944620
873.32

Profit per employee (in Rs. lakh)

3.26

3.92

4.35

4.87

5.58

4.65

6.05

Capital and Reserves & surplus


Deposits
Investments
Advances

2114
34025
14256
20863

2541
41503
13919
28109

2694
50108
16027
35849

3208
62449
20982
43679

4264
72971
24009
53040

83726
1108086
377658
858198

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

2749
459
1655
816

3362
584
2135
809

4403
677
3290
799

5709
769
4243
933

6334
841
4471
984

97954
18394
66229
25199

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.99
3.16
21.51

5.37
3.67
16.71

6.86
2.98
11.47

6.75
3.82
10.67

5.76
3.95
11.05

5.32
3.60
17.03

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

1.13
12.08
0.36

1.14
12.51
0.22

1.00
11.97
0.16

0.91
11.53
0.38

1.03
14.9
0.55

0.91
13.46
1.50

1.05
14.58
1.12

SBI & its Associates

State Bank of India


(Amount in rupees crore)

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

9468
198774
299.23
2.17

9679
185388
357.00
2.37

10683
179205
456.00
3.73

12022
205896
556.00
4.74

13039
200299
636.00
4.46

Group Aggregates
2009-10
18114
267332
735.52
4.65

Capital and Reserves & surplus


Deposits
Investments
Advances

27644
380046
162534
261801

31299
435521
149149
337336

49033
537404
189501
416768

57948
742073
275954
542503

65949
804116
285790
631914

83726
1108086
377658
858198

430046
4752456
1719185
3497054

35980

37242

48950

63788

70994

97954

415751

Interest income

2005-06

2006-07

2007-08

2008-09

2009-10

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

Other income
Interest expended
Operating expenses

7435
20390
11725

6765
22184
11824

8695
31929
12609

12691
42915
15649

14968
47322
20319

18394
66229
25199

78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.88
2.74
25.29

4.55
3.74
23.33

5.64
3.70
17.48

5.72
3.95
16.64

5.14
3.48
18.86

5.32
3.60
17.03

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

0.89
11.88
1.88

0.84
12.34
1.56

1.01
13.54
1.78

1.04
14.25
1.79

0.88
13.39
1.72

0.91
13.46
1.50

1.05
14.58
1.12

SBI & its Associates

State Bank of Indore


(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

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

455
6647
367.97
2.09

468
6517
476.67
2.91

488
6272
604.37
3.73

507
6285
701.53
4.44

510
6368
763.51
4.83

Group Aggregates
2009-10
18114
267332
735.52
4.65

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

Capital and Reserves & surplus


Deposits
Investments
Advances

1018
16661
5112
11876

1177
19976
5992
15351

1316
24699
7681
18224

1564
28332
8051
21612

1842
30624
8575
23677

83726
1108086
377658
858198

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

1323
245
781
397

1659
264
1124
410

2226
311
1654
431

2713
350
1979
460

2736
373
1928
508

97954
18394
66229
25199

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.61
3.48
18.18

5.43
3.35
14.59

6.49
3.61
10.51

6.50
4.07
10.43

5.66
3.71
10.63

5.32
3.60
17.03

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

0.76
11.40
1.83

0.87
11.77
1.04

0.88
11.29
0.73

0.88
13.46
0.89

0.91
13.53
1.13

0.91
13.46
1.50

SBI & its Associates

1.05
14.58
1.12
State Bank of Mysore
(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

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

651
9741
290.00
2.22

661
9666
398.00
2.60

687
9720
495.00
3.28

718
9671
602.00
3.48

734
10111
672.00
4.41

Group Aggregates
2009-10
18114
267332
735.52
4.65

Capital and Reserves & surplus


Deposits
Investments
Advances

935
16369
5694
11754

1141
22022
6990
16466

1378
27462
8403
21027

2271
32916
11378
25616

2665
38880
11494
29536

83726
1108086
377658
858198

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

1347
336
735
509

1776
350
1093
562

2494
422
1732
617

3247
480
2409
665

3559
426
2322
725

97954
18394
66229
25199

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.51
4.00
23.78

5.01
3.99
19.19

6.09
4.07
14.37

6.39
4.45
12.51

5.65
4.22
13.73

5.32
3.60
17.03

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

1.23
11.37
0.74

1.10
11.47
0.45

1.08
11.73
0.43

0.91
12.99
0.50

1.06
12.42
1.02

0.91
13.46
1.50

1.05
14.58
1.12

SBI & its Associates

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

State Bank of Patiala


(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

Group Aggregates
2009-10

All Banks' Aggregates


2009-10

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

763
11350
493.01
2.66

792
11329
599.54
3.24

840
11175
759.82
3.70

889
11365
910.24
4.68

937
12409
895.21
4.45

18114
267332
735.52
4.65

71998
944620
873.32
6.05

Capital and Reserves & surplus


Deposits
Investments
Advances

2235
33778
12678
22180

2488
39184
12358
28770

2709
48571
14375
36400

3134
60006
17029
43634

3747
64552
18165
46347

83726
1108086
377658
858198

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

2462
347
1465
612

3065
443
2060
659

4310
596
3420
707

5804
632
4676
794

5975
674
4441
901

97954
18394
66229
25199

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.66
3.37
17.92

5.13
3.59
14.72

6.88
3.31
9.32

7.65
3.61
8.12

6.36
3.89
9.37

5.32
3.60
17.03

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

0.73
13.67
0.99

0.77
12.38
0.83

0.83
13.56
0.60

0.83
12.60
0.60

0.79
13.26
1.04

0.91
13.46
1.50

1.05
14.58
1.12

SBI & its Associates

State Bank of Travancore


(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

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

703
11642
381.19
2.34

719
11019
506.13
2.96

727
11423
558.65
3.40

755
11365
658.00
5.00

780
12192
696.00
6.00

Group Aggregates
2009-10
18114
267332
735.52
4.65

Capital and Reserves & surplus


Deposits

1332
25997

1599
30984

1718
35354

2250
42042

2841
50883

83726
1108086

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05
430046
4752456

Investments
Advances

10630
18866

9718
24630

11353
28137

13232
32601

16024
38461

377658
858198

1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

2299
351
1343
632

2691
364
1698
645

3434
439
2477
687

4123
573
2841
799

4378
528
2978
872

97954
18394
66229
25199

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.89
3.01
20.49

4.96
3.70
17.50

6.11
3.73
13.14

6.08
4.37
13.40

5.58
3.88
13.81

5.32
3.60
17.03

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

0.86
11.15
1.47

0.86
11.68
1.08

0.89
13.53
0.94

1.30
14.03
0.58

1.26
13.74
0.91

0.91
13.46
1.50

1.05
14.58
1.12

Nationalised Banks

Allahabad Bank
(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

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

2078
19134
336.00
3.69

2140
20379
495.00
3.68

2234
20079
604.00
4.85

2315
20457
706.00
3.75

2231
20959
845.00
5.76

Group Aggregates
2009-10
43187
467262
947.40
5.74

Capital and Reserves & surplus


Deposits
Investments
Advances

3639
48500
17985
29148

4477
59544
18746
41290

5221
71616
23400
49720

5852
84972
29651
58802

6753
106056
38429
71605

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

3767
482
2190
1036

4884
376
3133
1027

6171
965
4499
1158

7365
1142
5206
1399

8369
1516
5719
1618

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.74
3.97
21.12

5.57
3.65
14.92

6.50
3.30
12.20

6.10
4.02
13.23

5.37
4.44
13.79

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

1.42
13.37
0.84

1.26
12.52
1.07

1.32
11.99
0.80

0.90
13.11
0.72

1.16
13.62
0.66

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

Andhra Bank
(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

Group Aggregates
2009-10

All Banks' Aggregates


2009-10

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

1248
14028
426.75
3.69

1322
12981
536.06
4.14

1401
13387
626.53
4.30

1463
14255
728.29
4.58

1586
14292
938.94
7.32

43187
467262
947.40
5.74

71998
944620
873.32
6.05

Capital and Reserves & surplus


Deposits
Investments
Advances

2894
33922
11444
22100

3156
41454
14301
27889

3249
49437
14898
34238

3647
59390
16911
44139

4410
77688
20881
56114

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

2675
392
1506
858

3315
447
1898
933

4210
626
2870
909

5375
765
3748
1104

6373
965
4178
1350

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.57
4.33
20.85

4.82
4.40
19.39

6.12
4.11
13.35

6.40
4.36
12.86

5.38
4.92
14.91

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

1.38
14.00
0.24

1.31
11.33
0.17

1.16
11.61
0.15

1.09
13.22
0.18

1.39
13.93
0.17

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

Bank of Baroda
(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

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

2777
38774
396.00
2.13

2812
38604
555.00
2.73

2845
37260
710.00
3.94

2916
36440
914.00
6.05

3088
38960
981.00
8.00

Group Aggregates
2009-10
43187
467262
947.40
5.74

Capital and Reserves & surplus


Deposits

7844
93662

8650
124916

11044
152034

12880
192397

15106
241044

157276
2583716

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05
430046
4752456

Investments
Advances

35114
59912

34944
83621

43870
106701

52446
143251

61182
175035

828125
1843102

1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

7050
1127
3875
2385

9004
1382
5427
2544

11813
2051
7902
3034

15092
2758
9968
3576

16698
2806
10759
3811

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.03
3.28
24.34

4.58
3.69
20.63

5.33
3.51
17.41

5.25
3.71
17.34

4.38
3.50
16.14

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

0.79
13.65
0.87

0.80
11.80
0.60

0.89
12.94
0.47

1.09
14.05
0.31

1.21
14.36
0.34

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

Bank of India
(Amount in rupees crore)

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

2687
42206
381.00
1.66

2760
41511
498.00
2.71

2846
40557
652.00
4.95

3076
40155
833.00
7.49

3165
39202
1011.00
4.39

Group Aggregates
2009-10
43187
467262
947.40
5.74

Capital and Reserves & surplus


Deposits
Investments
Advances

4984
93932
31782
65174

5895
119882
35493
85116

10589
150012
41803
113476

13495
189708
52607
142909

14230
229762
67080
168491

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

7029
1184
4397
2115

8936
1563
5496
2608

12355
2117
8126
2645

16347
3052
10848
3094

17878
2617
12122
3668

208535
29994
145712
40792

415751
78519
272084
99769

Interest income
Other income
Interest expended
Operating expenses

2005-06

2006-07

2007-08

2008-09

2009-10

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.18
3.40
20.40

4.55
3.96
19.92

5.37
3.97
15.38

5.69
4.09
13.90

4.97
3.45
14.54

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

0.68
10.75
1.49

0.88
11.75
0.95

1.25
12.04
0.52

1.49
13.01
0.44

0.7
12.94
1.31

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

Bank of Maharashtra
(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

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

1341
14052
306.18
0.36

1386
13893
404.94
1.95

1416
13590
515.69
2.39

1463
13631
635.61
2.76

1495
13673
762.00
3.21

Group Aggregates
2009-10
43187
467262
947.40
5.74

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

Capital and Reserves & surplus


Deposits
Investments
Advances

1572
26906
11354
16470

1742
33919
11298
22919

1782
41758
12283
29286

2517
52255
18382
34291

2858
63304
21324
40315

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

2474
52
1503
659

2722
265
1628
746

3440
380
2312
836

4292
500
3035
963

4736
591
3439
1073

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.88
3.13
19.64

4.88
3.77
19.55

5.60
4.22
15.42

5.86
4.42
14.50

5.28
3.75
14.53

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR

0.16
11.27

0.76
12.06

0.75
10.85

0.72
12.05

0.7
12.78

1.00
13.25

1.05
14.58

Net NPA ratio

2.03

1.21

0.87

0.79

1.64

0.91

Nationalised Banks

1.12

Canara Bank
(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

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

2652
46893
441.57
3.02

2687
46359
548.76
3.24

2788
45260
609.41
3.65

2839
44090
780.17
4.97

3135
43380
982.58
7.35

Group Aggregates
2009-10
43187
467262
947.40
5.74

Capital and Reserves & surplus


Deposits
Investments
Advances

7132
116803
36974
79426

10354
142381
45226
98506

10500
154072
49812
107238

12208
186893
57777
138219

14672
234651
69677
169335

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

8712
1316
5130
2347

11365
1451
7338
2565

14201
2213
10663
2791

17119
2311
12401
3065

18752
2858
13071
3478

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.57
3.28
20.27

5.35
3.08
16.25

6.77
2.83
12.35

6.62
3.82
12.14

5.61
3.46
13.26

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

1.13
11.22
1.12

0.98
13.50
0.94

0.92
13.25
0.84

1.06
14.1
1.09

1.3
13.43
1.06

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

Central Bank of India


(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

Group Aggregates
2009-10

All Banks' Aggregates


2009-10

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

3254
40124
240.46
0.68

3321
39055
303.85
1.35

3435
37488
400.99
1.56

3644
32804
560.28
1.71

3702
32140
711.76
3.3

43187
467262
947.40
5.74

71998
944620
873.32
6.05

Capital and Reserves & surplus


Deposits
Investments
Advances

3442
66483
28639
37483

3790
82776
27742
51795

5943
110320
31455
72997

6412
131272
43061
85483

7692
162107
50563
105383

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

5386
531
3006
1716

6234
476
3760
1684

7884
902
5772
1746

10455
1070
8227
1862

12064
1735
9519
2222

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.53
3.47
27.02

4.78
3.42
21.59

5.76
2.73
16.15

6.59
3.19
12.61

6.06
3.00
13.15

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

0.37
11.03
2.59

0.62
10.40
1.70

0.54
9.39
1.45

0.45
13.12
1.24

0.66
12.23
0.69

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

Corporation Bank
(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

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

862
11325
527.00
4.13

923
11880
637.00
4.79

1006
12010
839.00
6.52

1071
12465
1049.00
7.64

1124
13143
1269.00
9.52

Group Aggregates
2009-10
43187
467262
947.40
5.74

Capital and Reserves & surplus


Deposits

3375
32877

3765
42357

4229
55424

4897
73984

5775
92734

157276
2583716

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05
430046
4752456

Investments
Advances

10652
23962

14417
29950

17325
39186

24938
48512

34523
63203

828125
1843102

1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

2626
474
1400
747

3360
636
2052
804

4517
700
3073
892

6067
1107
4376
1047

7295
1186
5084
1260

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.27
3.48
16.94

4.85
3.94
13.25

5.80
3.52
10.79

6.14
3.86
9.46

5.08
3.84
9.96

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

1.24
13.92
0.64

1.17
12.76
0.47

1.29
12.09
0.32

1.24
13.61
0.29

1.24
15.37
0.31

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

Dena Bank
(Amount in rupees crore)

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

1058
10156
364.00
0.72

1071
10120
458.00
1.99

1098
9957
559.00
3.61

1125
9883
714.00
4.28

1164
10525
827.00
4.86

Group Aggregates
2009-10
43187
467262
947.40
5.74

Capital and Reserves & surplus


Deposits
Investments
Advances

1339
23623
8571
14231

1496
27690
9235
18303

1801
33943
10283
23024

2170
43051
12473
28878

2602
51344
15694
35462

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

1760
439
1037
561

2119
392
1263
612

2676
478
1817
650

3447
430
2383
768

4010
589
2910
848

208535
29994
145712
40792

415751
78519
272084
99769

Interest income
Other income
Interest expended
Operating expenses

2005-06

2006-07

2007-08

2008-09

2009-10

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.42
3.30
22.16

4.62
3.94
20.49

5.52
3.93
15.03

5.77
4.12
14.85

5.67
3.68
13.61

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

0.29
10.62
3.04

0.71
11.52
1.99

1.06
11.09
0.94

1.02
12.07
1.09

1.01
12.77
1.21

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

IDBI Bank Ltd.


(Amount in rupees crore)

Items

173
4548
1718.24
12.45

442
7482
1387.16
8.44

509
8253
1809.17
8.86

520
10201
2030.33
8.42

705
12213
2417.42
8.44

Group Aggregates
2009-10
43187
467262
947.40
5.74

6372
26001
25351
52739

8300
43354
25675
62471

8822
72998
32803
82213

9424
112401
50048
103444

10165
167667
73345
138202

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

5381
1280
5001
859

6345
1027
5687
778

8041
1582
7364
959

11545
1476
10306
1338

15273
2291
13005
1831

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

1.58
7.40
5.44

2.68
6.42
4.38

3.97
5.06
4.62

5.14
4.62
4.89

5.19
3.73
5.10

5.35
3.83
13.65

5.09
4.19
14.83

0.68
14.80

0.67
13.73

0.67
11.95

0.62
11.57

0.53
11.31

1.00
13.25

1.05
14.58

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

Return on Assets
CRAR

2005-06

2006-07

2007-08

2008-09

2009-10

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

Net NPA ratio

1.01

1.12

1.30

0.92

1.02

0.91

Nationalised Banks

1.12

Indian Bank
(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

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

1437
21394
295.00
2.36

1478
20892
364.00
3.64

1577
20548
488.00
4.91

1677
19993
617.00
6.23

1762
19641
761.00
7.92

Group Aggregates
2009-10
43187
467262
947.40
5.74

Capital and Reserves & surplus


Deposits
Investments
Advances

2491
40806
19017
22485

3841
47091
20878
29058

5160
61046
21915
39839

7136
72582
22801
51397

8272
88228
28268
62146

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

3365
463
1854
1080

4195
823
2413
1247

5213
1006
3159
1400

6830
1035
4222
1588

7857
1174
4553
1730

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.61
4.09
26.36

4.97
4.93
24.01

5.46
4.71
21.22

6.13
5.02
19.84

5.56
4.66
19.30

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

1.16
13.19
0.79

1.46
14.14
0.35

1.64
12.74
0.24

1.62
13.98
0.18

1.67
12.71
0.23

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

Indian Overseas Bank


(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

Group Aggregates
2009-10

All Banks' Aggregates


2009-10

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

1602
24178
354.73
3.22

1777
23861
467.23
4.04

1956
24947
582.70
4.82

2003
25512
689.50
5.20

2089
26892
712.00
2.63

43187
467262
947.40
5.74

71998
944620
873.32
6.05

Capital and Reserves & surplus


Deposits
Investments
Advances

3177
50529
18952
34756

3990
68740
23974
47060

4866
84326
28475
60402

7151
100116
31215
74885

7525
110795
37651
79004

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

4406
541
2339
1262

5832
387
3271
1388

7739
1037
5289
1485

9641
1596
6772
1942

10246
1143
7078
2466

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.65
4.12
24.82

4.93
4.60
19.98

6.20
4.07
14.02

6.42
4.36
14.60

5.80
4.15
18.18

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

1.32
13.04
0.65

1.36
13.27
0.55

1.30
11.93
0.60

1.17
13.20
1.33

0.53
14.78
2.52

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

Oriental Bank of Commerce


(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

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

1218
14962
570.26
5.37

1340
14730
742.64
5.61

1391
14804
924.38
5.84

1471
14656
1142.43
6.18

1559
15358
1331.17
7.39

Group Aggregates
2009-10
43187
467262
947.40
5.74

Capital and Reserves & surplus


Deposits

5171
50197

5600
63996

5776
77857

7403
98369

8238
120258

157276
2583716

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05
430046
4752456

Investments
Advances

16818
33577

19808
44138

23951
54566

28489
68500

35785
83489

828125
1843102

1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

4119
553
2514
966

5165
603
3474
998

6827
628
5156
1080

8856
1071
6860
1398

10257
1200
7350
1686

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.92
3.11
14.38

5.74
2.75
11.65

6.83
2.97
8.81

7.27
3.32
9.34

6.21
3.75
10.75

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

1.39
11.04
0.49

1.21
12.51
0.49

1.02
12.12
0.99

0.88
12.98
0.65

0.91
12.54
0.87

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

Punjab & Sind Bank


(Amount in rupees crore)

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

840
9542
277.23
1.14

860
9324
328.59
2.34

871
9013
466.87
4.24

897
8700
655.58
5.03

897
8259
963.00
6.00

Group Aggregates
2009-10
43187
467262
947.40
5.74

Capital and Reserves & surplus


Deposits
Investments
Advances

1222
16925
6956
9107

1406
19319
6693
11738

2093
24831
8474
18343

2140
34676
12627
24615

2616
49155
17887
32639

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

1300
120
669
483

1727
228
960
523

2219
318
1433
561

3247
408
2235
698

3934
412
2750
718

208535
29994
145712
40792

415751
78519
272084
99769

Interest income
Other income
Interest expended
Operating expenses

2005-06

2006-07

2007-08

2008-09

2009-10

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.10
4.49
31.39

5.09
4.77
25.43

5.90
4.27
21.09

6.54
5.04
17.91

5.75
3.87
15.27

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

0.64
12.83
2.43

1.01
12.88
0.66

1.49
11.57
0.37

1.24
14.35
0.32

1.05
13.1
0.36

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

Punjab National Bank


(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

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

4146
58047
330.92
2.48

4192
57316
407.41
2.68

4319
56025
504.52
3.66

4472
54780
654.92
5.64

4971
53417
807.95
7.31

Group Aggregates
2009-10
43187
467262
947.40
5.74

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

Capital and Reserves & surplus


Deposits
Investments
Advances

9376
119685
41055
74627

10435
139860
45190
96597

12318
166457
53992
119502

14654
209760
63385
154703

17723
249330
77724
186601

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

9584
1274
4917
3023

11236
1730
6023
3326

14265
1998
8731
3525

19127
3065
12295
4206

21467
3565
12944
4762

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.03
3.88
26.64

4.24
4.69
25.16

5.31
4.35
20.08

5.93
4.71
17.72

4.90
4.89
17.63

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR

1.09
11.95

1.03
12.29

1.15
13.46

1.39
14.03

1.44
14.16

1.00
13.25

1.05
14.58

Net NPA ratio

0.29

0.76

0.64

0.17

0.53

0.91

Nationalised Banks

1.12

Syndicate Bank
(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

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

2111
24624
348.64
2.05

2231
24360
489.17
2.76

2282
24656
586.02
3.18

2343
25068
750.65
3.64

2426
25569
746.84
3.18

Group Aggregates
2009-10
43187
467262
947.40
5.74

Capital and Reserves & surplus


Deposits
Investments
Advances

2834
53624
17269
36466

3627
78634
25234
51670

4291
95171
28076
64051

5010
115885
30537
81532

5627
117026
33011
90406

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

4050
562
2170
1435

6040
618
3890
1386

7906
890
5834
1495

9525
915
6978
1791

10047
1167
7307
2034

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.10
4.55
28.78

5.44
4.05
16.95

6.29
3.58
12.68

6.08
4.06
12.77

5.42
3.53
14.32

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

0.91
11.73
0.86

0.91
11.74
0.76

0.88
11.82
0.97

0.81
12.68
0.77

0.62
12.70
1.07

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

UCO Bank
(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

Group Aggregates
2009-10

All Banks' Aggregates


2009-10

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

1815
24510
387.00
0.82

1923
24773
464.00
1.30

2018
23950
580.00
1.76

2133
23736
732.00
2.40

2180
23370
901.00
4.43

43187
467262
947.40
5.74

71998
944620
873.32
6.05

Capital and Reserves & surplus


Deposits
Investments
Advances

2463
54544
19636
37378

2662
64860
19525
46989

2926
79909
24250
55082

3957
100222
29385
68804

5211
122416
43521
82505

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

4355
374
2789
1177

5210
550
3623
1193

6509
772
5021
1306

8121
1020
6477
1463

9526
966
7202
1584

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.01
3.08
22.19

5.33
3.06
17.30

6.27
3.05
14.14

6.50
3.50
12.56

5.78
3.61
12.04

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

0.34
11.12
2.10

0.47
11.56
2.14

0.52
11.02
1.98

0.59
11.93
1.18

0.87
13.21
1.17

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

Union Bank of India


(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

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

2179
26983
436.47
2.66

2307
27536
509.21
3.25

2473
27168
620.00
5.39

2674
29014
694.00
6.28

2926
29419
853.00
7.47

Group Aggregates
2009-10
43187
467262
947.40
5.74

Capital and Reserves & surplus


Deposits

4558
74094

5190
85180

7348
103859

8740
138703

10424
170040

157276
2583716

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05
430046
4752456

Investments
Advances

25918
53380

27982
62386

33823
74267

42997
96534

54404
119315

828125
1843102

1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

5864
494
3489
1402

7382
687
4592
1476

9215
1320
6361
1593

11889
1483
8076
2214

13303
1975
9110
2508

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.61
3.43
17.72

5.16
3.60
14.40

6.12
3.73
10.63

6.03
4.39
11.19

5.28
3.70
11.66

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

0.84
11.41
1.56

0.92
12.80
0.96

1.26
12.51
0.17

1.27
13.27
0.34

1.25
12.51
0.81

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

United Bank of India


(Amount in rupees crore)

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

1353
17319
254.00
1.18

1361
16793
350.00
1.59

1436
16009
463.00
1.99

1483
15111
585.00
1.22

1562
15285
714.00
2.11

Group Aggregates
2009-10
43187
467262
947.40
5.74

Capital and Reserves & surplus


Deposits
Investments
Advances

1829
29250
14130
15522

2415
37167
14602
22156

2661
46971
18515
27858

3078
54536
17924
35394

3903
68180
26068
42330

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

2360
437
1340
814

2825
348
1675
778

3557
465
2653
903

4312
491
3150
975

5249
559
3858
1074

208535
29994
145712
40792

415751
78519
272084
99769

Interest income
Other income
Interest expended
Operating expenses

2005-06

2006-07

2007-08

2008-09

2009-10

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.72
3.85
29.18

4.80
3.98
22.72

5.85
3.13
18.04

5.78
3.72
15.94

5.92
3.55
13.43

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

0.66
13.12
1.95

0.73
12.02
1.50

0.68
11.24
1.10

0.34
13.28
1.48

0.45
12.80
1.84

1.00
13.25
0.91

1.05
14.58
1.12

Nationalised Banks

Vijaya Bank
(Amount in rupees crore)

Items

2005-06

2006-07

2007-08

2008-09

2009-10

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

986
10926
369.26
1.16

1039
11330
455.17
3.04

1113
11439
612.67
3.32

1173
11975
756.00
2.34

1226
11565
836.00
4.50

Group Aggregates
2009-10
43187
467262
947.40
5.74

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

Capital and Reserves & surplus


Deposits
Investments
Advances

1669
27709
11180
16664

1897
37604
12018
24224

2459
47952
16617
31689

3149
54535
17388
35468

3475
61932
21107
41522

157276
2583716
828125
1843102

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

2312
284
1339
624

2823
275
1751
651

3889
532
3058
701

5238
699
4113
925

5201
679
3752
1072

208535
29994
145712
40792

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.63
4.03
19.30

5.05
3.57
16.33

6.62
3.05
10.77

7.15
4.25
11.86

5.84
4.13
14.63

5.35
3.83
13.65

5.09
4.19
14.83

Return on Assets
CRAR

0.45
11.94

0.92
11.21

0.75
11.22

0.59
13.15

0.76
12.50

1.00
13.25

1.05
14.58

Net NPA ratio

0.85

0.59

0.57

0.82

1.40

0.91

1.12

Private Sector Banks

Axis Bank
(Amount in rupees crore)

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

2005-06
352
6553
1020.00
8.69

501
9980
1024.00
7.59

626
14739
1117.00
8.39

786
20624
1060.00
10.02

1019
21640
1111.00
12.00

Group Aggregates
2009-10
10387
182284
798.37
7.19

2886
40114
21527
22314

3402
58786
26897
36876

8771
87626
33705
59661

10215
117374
46330
81557

16045
141300
55975
104343

119984
822801
354117
632494

2889
730
1811
814

2006-07

4462
1010
2993
1215

2007-08

7005
1795
4420
2155

2008-09

10835
2897
7149
2858

2009-10

11638
3946
6634
3710

82874
20180
51206
22676

4.23
3.83
9.15

4.96
4.17
9.06

4.98
4.85
10.19

5.74
4.83
9.97

4.03
4.57
12.14

4.83
5.06
12.76

1.18
11.08
0.98

1.10
11.57
0.72

1.24
13.73
0.42

1.44
13.69
0.40

1.67
15.80
0.40

1.28
17.45
1.03

Private Sector Banks

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05
430046
4752456
1719185
3497054
415751
78519
272084
99769
5.09
4.19
14.83
1.05
14.58
1.12

Bank of Rajasthan
(Amount in rupees crore)

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

2005-06
418
3990
291.40
0.38

458
3908
400.54
2.83

478
3936
518.85
2.93

478
4075
532.93
2.89

478
3983
569.77
-2.56

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

363
8891
2567
4065

448
10816
3641
5704

939
13849
4729
7434

1046
15187
6809
7781

937
15062
6723
8329

119984
822801
354117
632494

430046
4752456
1719185
3497054

540
51
317
255
3.55
3.37
30.01
0.19
10.60
0.99

2006-07

758
124
439
251
4.26
4.83
23.37
1.16
11.32
0.24

2007-08

1049
127
736
270
5.73
3.88
17.40
0.91
11.87
0.42

2008-09

1376
131
998
315
6.67
5.39
15.90
0.74
11.50
0.73

2009-10

1359
130
1024
493
6.52
4.72
25.18
-0.58
7.52
1.60

82874
20180
51206
22676
4.83
5.06
12.76

415751
78519
272084
99769
5.09
4.19
14.83

1.28
17.45
1.03

1.05
14.58
1.12

333
2863
247.00
0.22

356
2791
278.00
0.68

375
2723
317.00
1.34

377
2676
374.00
1.39

377
2681
423.00
0.06

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

216
4289
1432
2695

229
4749
1553
3013

305
5318
1819
3314

388
6333
2184
3684

390
6978
2289
4467

119984
822801
354117
632494

430046
4752456
1719185
3497054

365
40
218
150

409
43
252
137

481
60
317
151

557
100
391
187

578
74
455
189

82874
20180
51206
22676

415751
78519
272084
99769

Private Sector Banks

Catholic Syrian Bank


(Amount in rupees crore)

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

2005-06

5.08
4.58
30.43
0.13
11.26
2.78

2006-07

5.33
4.87
23.78
0.37
9.58
1.98

2007-08

6.11
5.11
21.01
0.64
11.21
1.61

2008-09

6.50
5.26
20.65
0.57
12.29
2.39

2009-10

6.61
3.63
18.11
0.02
10.81
1.58

4.83
5.06
12.76

5.09
4.19
14.83

1.28
17.45
1.03

1.05
14.58
1.12

210
2424
565.18
4.98

225
2597
650.96
5.81

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

661
8207
2397
5645

826
10285
3210
6833

119984
822801
354117
632494

Private Sector Banks

City Union Bank


(Amount in rupees crore)

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

2005-06
143
1606
339.69
3.51
286
3518
1057
2550

2006-07
164
1871
350.12
3.84
366
4699
1307
3329

2007-08
183
2170
499.06
4.69
567
6425
1718
4537
596
90
396
109

2008-09

804
124
562
140

2009-10

326
40
187
70

400
54
233
90

957
143
678
166

82874
20180
51206
22676

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.53
5.19
14.15

5.51
4.98
13.75

7.04
5.15
9.69

7.63
5.25
9.26

7.28
4.83
9.49

4.83
5.06
12.76

Return on Assets
CRAR
Net NPA ratio

1.46
12.33
1.95

1.57
12.58
1.09

1.60
12.48
0.98

1.50
12.69
1.08

1.52
13.46
0.58

1.28
17.45
1.03

Private Sector Banks

430046
4752456
1719185
3497054
415751
78519
272084
99769
5.09
4.19
14.83
1.05
14.58
1.12

Development Credit Bank


(Amount in rupees crore)

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

2005-06
91
1492
390.00
-7.00

93
1331
391.00
0.40

104
2235
454.00
2.00

110
1942
379.00
-4.00

110
1591
515.00
-5.00

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

164
3124
1307
1867

336
4415
1847
2658

636
6075
2135
4069

598
4647
1622
3274

601
4787
2018
3460

119984
822801
354117
632494

430046
4752456
1719185
3497054

277
55
202
150
5.43
3.33
14.89
-2.01
9.66
4.50

2006-07

347
92
227
171
5.76
4.20
17.18
0.17
11.34
1.64

2007-08

562
174
388
238
6.90
5.84
15.51
0.48
13.38
0.66

2008-09

645
120
448
242
7.43
6.04
15.14
-1.25
13.30
3.88

2009-10

459
107
317
201
5.87
4.82
16.99
-1.30
14.85
3.11

82874
20180
51206
22676
4.83
5.06
12.76

415751
78519
272084
99769
5.09
4.19
14.83

1.28
17.45
1.03

1.05
14.58
1.12

187
1385
311.71
0.72

190
1385
366.68
1.18

190
1411
409.08
2.02

190
1402
585.88
4.10

256
3275
369.61
0.07

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

134
2533
710
1594

147
3088
865
1837

172
3608
1075
2102

424
4969
1567
3196

440
7098
2028
5006

119984
822801
354117
632494

430046
4752456
1719185
3497054

210
22
127
82

249
28
150
88

312
42
214
97

408
79
287
113

535
91
394
193

82874
20180
51206
22676

415751
78519
272084
99769

Private Sector Banks

Dhanalakshmi Bank
(Amount in rupees crore)

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

2005-06

4.97
4.65
20.04
0.33
9.75
2.82

2006-07

5.10
5.22
18.40
0.47
9.77
1.75

2007-08

6.17
4.98
15.28
0.76
9.21
0.88

2008-09

6.53
4.50
15.65
1.21
15.38
0.88

2009-10

6.25
3.97
18.59
0.35
12.99
0.84

4.83
5.06
12.76

5.09
4.19
14.83

1.28
17.45
1.03

1.05
14.58
1.12

488
6015
431.00
3.54

553
6029
544.00
4.43

619
6945
655.00
5.43

640
7570
750.00
6.90

699
7896
813.00
6.01

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

1250
17879
6272
11736

1502
21584
7033
14899

3926
25913
10027
18905

4326
32198
12119
22392

Private Sector Banks

Federal Bank
(Amount in rupees crore)

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

2005-06

2006-07

2007-08

2008-09

200-10

4690
36058
13055
26950

119984
822801
354117
632494

1437
217
837
365

1801
303
1085
406

2515
395
1647
469

3315
516
2000
571

3673
531
2262
677

82874
20180
51206
22676

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.73
4.18
19.01

5.11
4.51
17.47

6.32
4.49
12.82

6.32
6.10
12.35

6.11
5.44
12.45

4.83
5.06
12.76

Return on Assets
CRAR
Net NPA ratio

1.28
13.75
0.95

1.38
13.43
0.44

1.34
22.46
0.23

1.48
20.22
0.30

1.15
18.36
0.48

1.28
17.45
1.03

Interest income
Other income
Interest expended
Operating expenses

Private Sector Banks

430046
4752456
1719185
3497054
415751
78519
272084
99769
5.09
4.19
14.83
1.05
14.58
1.12

HDFC Bank
(Amount in rupees crore)

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

2005-06
516
14878
758.00
7.39

666
21477
607.00
6.13

745
37386
506.00
4.97

1422
52687
446.00
4.18

1729
51888
590.00
5.98

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

5300
55797
28394
35061

6433
68298
30565
46945

11497
100769
49394
63427

14652
142812
58818
98883

21522
167404
58608
125831

119984
822801
354117
632494

430046
4752456
1719185
3497054

4475
1124
1930
1691
3.76
5.15
13.45
1.38
11.41
0.44

2006-07

6648
1516
3179
2421
4.58
5.99
13.87
1.33
13.08
0.43

2007-08

10115
2283
4887
3746
5.24
7.38
15.07
1.32
13.60
0.47

2008-09

16332
3291
8911
5533
6.92
8.04
15.50
1.28
15.69
0.63

2009-10

16173
3808
7786
5764
4.66
6.11
16.89
1.53
17.44
0.31

82874
20180
51206
22676
4.83
5.06
12.76

415751
78519
272084
99769
5.09
4.19
14.83

1.28
17.45
1.03

1.05
14.58
1.12

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

569
25384
905.00
10.00

716
33321
1027.00
9.00

1269
40686
1008.00
10.00

1430
34596
1154.00
11.00

1717
35256
1029.00
12.00

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

Capital and Reserves & surplus


Deposits
Investments
Advances

22556
165083
71547
146163

24663
230510
91258
195866

46820
244431
111454
225616

49533
218348
103058
218311

51618
202017
120893
181206

119984
822801
354117
632494

430046
4752456
1719185
3497054

14306
4181
9597
5001

21996
6928
16358
6691

30788
8811
23484
8154

31093
7604
22726
7045

25707
7478
17593
5860

82874
20180
51206
22676

415751
78519
272084
99769

Private Sector Banks

ICICI Bank
(Amount in rupees crore)

Items

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

2005-06

4.01
4.58
7.41
1.30
13.35
0.72

2006-07

5.34
4.08
7.01
1.09
11.69
1.02

2007-08

6.40
4.33
6.57
1.12
13.97
1.55

2008-09

5.72
4.33
6.62
0.98
15.53
2.09

2009-10

4.18
4.51
8.21
1.13
19.41
2.12

4.83
5.06
12.76

5.09
4.19
14.83

1.28
17.45
1.03

1.05
14.58
1.12

152
2365
880.18
1.56

185
2613
1039.77
2.61

195
2869
1062.67
2.62

195
4251
836.00
3.49

230
5383
837.46
6.51

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

866
15006
5410
9310

1057
17645
5892
11084

1350
19037
6630
12795

1664
22110
8083
15771

Private Sector Banks

IndusInd Bank
(Amount in rupees crore)

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

2005-06

2006-07

2007-08

2008-09

2009-10

2397
26710
10402
20551

119984
822801
354117
632494

2309
456
1850
547

2707
553
1821
736

82874
20180
51206
22676

5.66
3.47
7.13

6.77
3.47
6.12

7.59
4.34
6.15

7.53
5.03
7.81

5.69
5.95
11.37

4.83
5.06
12.76

0.22
10.54
2.09

0.34
12.54
2.47

0.34
11.91
2.27

0.58
12.55
1.14

1.14
15.33
0.50

1.28
17.45
1.03

1188
189
873
317

1500
244
1229
344

1881
298
1580
402

Private Sector Banks

430046
4752456
1719185
3497054
415751
78519
272084
99769
5.09
4.19
14.83
1.05
14.58
1.12

ING Vysya Bank


(Amount in rupees crore)

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

2005-06
388
4878
426.00
0.17

2006-07
413
5162
486.09
1.66

2007-08
421
5709
547.28
2.68

2008-09
470
6086
606.39
3.03

2009-10
493
6113
623.78
3.88

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

1020
13335
4372

1103
15419
4528

1536
20458
6293

1703
24889
10496

2331
25865
10473

119984
822801
354117

430046
4752456
1719185

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

10232
1222
139
741
519
4.67
3.87
18.59
0.05
10.67
0.95

11976
1268
286
822
505
4.82
3.83
17.12
0.52
10.56
0.70

14650
1680
419
1182
609
5.69
4.05
16.88
0.74
10.20
0.70

16756
2240
548
1590
772
5.84
5.29
16.60
0.70
11.65
1.20

18507
2233
620
1403
808
4.10
5.59
19.40
0.80
14.91
1.20

632494
82874
20180
51206
22676
4.83
5.06
12.76
1.28
17.45
1.03

Private Sector Banks

3497054
415751
78519
272084
99769
5.09
4.19
14.83
1.05
14.58
1.12

Jammu & Kashmir Bank


(Amount in rupees crore)

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

2005-06
455
6833
516.00
3.00

461
6847
585.00
4.00

499
7558
596.00
5.00

510
7627
500.00
5.00

510
7627
731.00
7.00

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

1799
23485
8994
14483

2009
25194
7392
17080

2281
28593
8758
18883

2623
33004
10736
20930

3010
37237
13956
23057

119984
822801
354117
632494

430046
4752456
1719185
3497054

1706
111
1043
345

1899
160
1131
372

2434
245
1624
404

2972
261
1988
471

3057
416
1938
577

82874
20180
51206
22676

415751
78519
272084
99769

4.52
3.96
13.86
0.67
13.52
0.92

2006-07

4.56
4.01
14.63
0.96
13.24
1.13

2007-08

5.89
4.55
11.14
1.09
12.80
1.07

2008-09

6.28
5.25
11.34
1.09
14.48
1.38

2009-10

5.32
5.33
14.57
1.20
15.89
0.29

4.83
5.06
12.76

5.09
4.19
14.83

1.28
17.45
1.03

1.05
14.58
1.12

412
4346
478.29
4.05

428
4456
524.00
4.00

453
4677
589.00
5.00

469
4947
649.00
5.00

486
5244
727.00
3.00

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

1111
13243
5549
7792

1239
14037
5048
9553

1380
17016
6327
10842

1567
20333
8961
11810

1833
23731
9992
14436

119984
822801
354117
632494

Private Sector Banks

Karnataka Bank
(Amount in rupees crore)

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

2005-06

2006-07

2007-08

2008-09

2009-10

1018
167
652
204

1256
174
836
238

1560
237
1102
306

1948
321
1444
347

2043
311
1708
386

82874
20180
51206
22676

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.31
3.42
13.56

5.94
3.45
12.02

6.86
4.15
12.86

7.56
4.72
10.64

7.50
3.08
9.88

4.83
5.06
12.76

Return on Assets
CRAR
Net NPA ratio

1.28
11.78
1.18

1.15
11.03
1.22

1.37
12.17
0.98

1.25
13.48
0.98

0.67
12.37
1.31

1.28
17.45
1.03

Private Sector Banks

430046
4752456
1719185
3497054
415751
78519
272084
99769
5.09
4.19
14.83
1.05
14.58
1.12

Karur Vysya Bank


(Amount in rupees crore)

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

2005-06
265
2908
439.00
4.65

293
3286
489.00
4.87

319
3580
604.00
5.82

344
3941
638.00
5.98

367
4175
789.00
8.05

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

872
7577
2298
5555

1063
9340
2874
7040

1190
12550
3526
9422

1350
15101
4716
10410

1620
19272
6602
13497

119984
822801
354117
632494

430046
4752456
1719185
3497054

651
121
368
175
4.99
3.91
16.09
1.65
14.79
0.81

2006-07

867
119
520
192
5.96
3.90
13.01
1.53
14.51
0.23

2007-08

1106
183
765
216
6.79
3.64
10.37
1.63
12.58
0.18

2008-09

1446
265
1036
258
7.36
4.14
9.50
1.49
14.92
0.25

2009-10

1758
247
1193
349
6.79
4.40
10.59
1.76
14.49
0.23

82874
20180
51206
22676
4.83
5.06
12.76

415751
78519
272084
99769
5.09
4.19
14.83

1.28
17.45
1.03

1.05
14.58
1.12

79
3597
352.00
4.15

110
5437
383.91
3.13

182
9058
383.84
4.00

225
8227
347.00
3.00

257
8632
487.00
7.00

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

865
6566
2856
6348

1662
11000
6862
10924

3594
16424
9142
15552

3906
15645
9110
16625

4540
23886
12513
20775

119984
822801
354117
632494

430046
4752456
1719185
3497054

719
218
339
387

1319
319
699
613

2535
463
1310
1019

3065
274
1547
1196

3256
628
1397
1189

82874
20180
51206
22676

415751
78519
272084
99769

Private Sector Banks

Kotak Mahindra Bank


(Amount in rupees crore)

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

2005-06

4.82
5.58
23.59
1.39
11.27
0.24

2006-07

5.11
6.51
22.33
0.94
13.46
1.98

2007-08

6.14
7.48
22.29
1.10
18.65
1.78

2008-09

6.00
9.50
21.28
1.03
20.01
2.39

2009-10

4.50
9.01
22.56
1.72
18.35
1.73

4.83
5.06
12.76

5.09
4.19
14.83

1.28
17.45
1.03

1.05
14.58
1.12

279
2675
560.00
1.13

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

Private Sector Banks

Lakshmi Vilas Bank


(Amount in rupees crore)

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

2005-06
241
1873
371.00
1.20

250
1926
430.00
0.91
396
5020
1309
3613

2007-08
253
2078
453.00
1.22
418
5618
1694
3859

2008-09
265
2433
510.00
2.07
454
7361
1863
5236

2009-10

739
9075
2983
6277

119984
822801
354117
632494

322
35
217
101

418
57
299
102

506
82
382
116

658
107
504
152

909
104
660
186

82874
20180
51206
22676

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.24
2.98
18.83

6.09
3.41
14.00

6.85
3.30
12.65

7.56
3.83
11.96

7.78
4.71
10.92

4.83
5.06
12.76

Return on Assets
CRAR
Net NPA ratio

0.53
10.79
1.89

0.33
12.43
1.58

0.41
12.73
1.55

0.71
10.29
1.24

0.33
14.82
4.11

1.28
17.45
1.03

Interest income
Other income
Interest expended
Operating expenses

291
4336
1280
2953

2006-07

Private Sector Banks

430046
4752456
1719185
3497054
415751
78519
272084
99769
5.09
4.19
14.83
1.05
14.58
1.12

Nainital Bank
(Amount in rupees crore)

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

2005-06
81
624
225.00
2.00

82
662
279.00
3.00

89
667
366.00
4.00

94
650
425.00
6.00

103
692
521.00
6.00

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

113
1125
372
603

125
1481
388
795

146
1790
483
995

175
2137
561
1131

240
2507
707
1288

119984
822801
354117
632494

430046
4752456
1719185
3497054

92
13
40
37
3.90
6.10
35.67
1.06
13.88
0.00

2006-07

123
5
55
34
4.21
6.04
26.27
1.26
12.89
0.00

2007-08

169
8
93
32
5.62
5.99
16.32
1.51
12.32
0.00

2008-09

209
10
116
39
5.79
6.84
16.70
1.68
13.10
0.00

2009-10

224
16
131
45
5.55
5.40
15.77
1.72
15.68
0.00

82874
20180
51206
22676
4.83
5.06
12.76

415751
78519
272084
99769
5.09
4.19
14.83

1.28
17.45
1.03

1.05
14.58
1.12

78
544
250.92
0.11

80
553
254.41
0.54

79
544
310.00
3.00

87
566
373.00
5.00

90
704
391.00
3.00

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

54
874
277
491

199
876
316
531

323
1101
361
586

341
1307
407
801

353
1585
507
1170

119984
822801
354117
632494

430046
4752456
1719185
3497054

70
6
40
23

76
5
42
32

107
9
52
30

138
16
74
33

144
13
85
39

82874
20180
51206
22676

415751
78519
272084
99769

Private Sector Banks

Ratnakar Bank
(Amount in rupees crore)

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

2005-06

4.80
5.36
22.82
0.07
10.77
2.61

2006-07

4.81
5.84
29.60
0.31
34.34
1.92

2007-08

5.26
5.49
20.85
1.31
49.15
0.99

2008-09

6.14
5.02
19.04
1.96
42.30
0.68

2009-10

5.86
3.86
18.47
1.05
34.07
0.97

Private Sector Banks

4.83
5.06
12.76
1.28
17.45
1.03

5.09
4.19
14.83
1.05
14.58
1.12

SBI Commercial & International Bank


(Amount in rupees crore)

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

2005-06
3
101
626.43
5.70

3
90
648.34
7.79
102
488
126
329

2007-08
2
93
754.67
13.82
115
522
144
358

2008-09
3
84
960.48
13.17

3
71
1055.38
4.43

Group Aggregates
2009-10
10387
182284
798.37
7.19

129
492
319
205

119984
822801
354117
632494

36
10
19
8

34
4
23
9

54
3
36
10

40
6
33
10

82874
20180
51206
22676

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.77
2.25
11.51

4.70
2.21
14.38

6.68
1.48
8.73

6.47
4.53
9.10

6.07
4.01
10.97

4.83
5.06
12.76

1.09
22.29
3.82

1.13
20.93
0.00

1.93
23.48
0.00

1.52
21.24
0.07

0.49
27.31
0.19

1.28
17.45
1.03

44
14
36
9

126
588
295
311

2009-10

Return on Assets
CRAR
Net NPA ratio

Interest income
Other income
Interest expended
Operating expenses

94
378
111
254

2006-07

Private Sector Banks

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05
430046
4752456
1719185
3497054
415751
78519
272084
99769
5.09
4.19
14.83
1.05
14.58
1.12

South Indian Bank


(Amount in rupees crore)

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

2005-06
458
3709
422.00
1.37

484
3868
508.00
2.69

510
4223
600.43
3.59

541
4523
645.14
4.31

575
4860
771.00
5.00

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

641
9579
2739
6370

724
12239
3430
7919

1161
15156
4572
10454

1304
18092
6075
11848

1485
23012
7156
15823

119984
822801
354117
632494

430046
4752456
1719185
3497054

761
72
451
226
4.81
4.55
20.58
0.53
13.02
1.86

2006-07

977
103
609
219
5.43
4.29
16.09
0.88
11.08
0.98

2007-08

1291
143
915
248
6.57
3.89
12.58
1.01
13.80
0.33

2008-09

1687
164
1164
328
6.83
4.56
14.35
1.09
14.76
1.13

2009-10

1936
208
1367
366
6.42
4.56
13.06
1.07
15.39
0.39

82874
20180
51206
22676
4.83
5.06
12.76
1.28
17.45
1.03

Private Sector Banks

415751
78519
272084
99769
5.09
4.19
14.83
1.05
14.58
1.12
Tamilnad Mercantile Bank
(Amount in rupees crore)

Items

184
2297
358.29
4.41

194
2227
451.23
4.76

217
2386
541.99
5.31

230
2337
679.25
6.43

233
2267
870.16
8.14

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

657
5203
2362
3126

759
6020
2316
4047

858
7670
2554
5331

989
9566
3207
6572

1148
11639
3499
8288

119984
822801
354117
632494

430046
4752456
1719185
3497054

548
78
302
130

638
83
342
147

774
131
499
169

977
136
643
204

1118
173
744
231

82874
20180
51206
22676

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.72
4.33
17.63

5.85
4.94
18.17

6.75
4.04
15.19

7.41
5.06
14.67

6.96
4.54
14.76

4.83
5.06
12.76

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

1.67
18.33
2.17

1.57
16.77
0.98

1.58
15.35
0.38

1.51
16.05
0.34

1.54
15.54
0.24

1.28
17.45
1.03

1.05
14.58
1.12

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

2005-06

2006-07

2007-08

2008-09

2009-10

Private Sector Banks

Yes Bank
(Amount in rupees crore)

Items

9
627
848.08
8.82

41
2443
530.50
3.86

68
3150
683.12
6.35

118
2671
988.36
11.38

151
3034
1526.70
15.75

Group Aggregates
2009-10
10387
182284
798.37
7.19

All Banks' Aggregates


2009-10
71998
944620
873.32
6.05

573
2910
1350
2407

787
8220
3073
6290

1319
13273
5094
9430

1624
16169
7117
12403

3090
26799
10210
22193

119984
822801
354117
632494

430046
4752456
1719185
3497054

193
97
105
86

588
195
416
193

1305
361
974
341

2001
435
1492
419

2370
576
1582
500

82874
20180
51206
22676

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.72
3.88
26.27

6.36
3.36
19.26

7.83
4.01
15.39

8.67
4.96
11.41

6.05
4.19
12.34

4.83
5.06
12.76

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

2.13
16.40
0.00

1.44
13.60
0.00

1.54
13.60
0.09

1.59
16.60
0.33

1.79
20.60
0.06

1.28
17.45
1.03

1.05
14.58
1.12

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

2005-06

2006-07

2007-08

2008-09

2009-10

Foreign Banks

AB Bank
(Amount in rupees crore)

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

2005-06

2006-07

2007-08 2008-09

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
1
310
71998
28
27742
944620
204.63 1445.87
873.32
17.46
17.09
6.05

1
26
193.03
11.04

1
27
209.48
8.80

1
26
212.37
10.67

1
27
215.69
14.06

46
21
8
34

46
25
9
33

47
31
11
26

49
31
11
29

54
34
16
17

69061
237853
159286
163260

430046
4752456
1719185
3497054

4
4
0
2

5
5
1
4

4
4
0
3

5
8
1
4

3
12
0
7

26389
9951
8938
11102

415751
78519
272084
99769

1.34
8.82
14.51

2.82
7.17
23.48

5.58
30.01
7.68

1.26
17.25
1.82

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

1.70
6.64
23.99

2.31
6.88
16.93

1.56
7.07
21.18

2.32
9.36
20.25

Return on Assets
CRAR
Net NPA ratio

3.43
86.21
0.00

3.42
100.00
0.00

3.84
43.09
9.25

4.75
50.67
6.67

Foreign Banks

5.09
4.19
14.83
1.05
14.58
1.12

Abu Dhabi Commercial Bank


(Amount in rupees crore)

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

2005-06
2
38
1720.49
12.06
76
459
142
119
111
8
101
14
8.52
-1.33
2.82
0.35
36.98
15.97

2006-07

2007-08 2008-09

2
2
36
39
1865.72 1772.97
4.80
78.29
78
474
144
203
47
15
32
19
5.06
3.78
10.22
0.23
27.66
0.63

107
414
162
162
65
7
27
27
4.73
3.42
10.90
3.96
51.71
0.00

Foreign Banks

2
40
1759.98
41.96
123
509
195
137
48
5
20
13
4.20
7.54
16.30
2.40
47.57
0.00

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
2
310
71998
41
27742
944620
1542.63 1445.87
873.32
18.60
17.09
6.05
131
523
246
152

69061
237853
159286
163260

430046
4752456
1719185
3497054
415751
78519
272084
99769

41
3
20
13

26389
9951
8938
11102

3.89
4.57
20.85

2.82
7.17
23.48

1.13
44.79
0.19

1.26
17.25
1.82

5.09
4.19
14.83
1.05
14.58
1.12

American Express Banking Corporation


(Amount in rupees crore)

Items

2005-06

2006-07

2007-08 2008-09

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

2
857
133.83
0.00

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
2
310
71998
870
27742
944620
137.58 1445.87
873.32
0.00
17.09
6.05

Capital and Reserves & surplus


Deposits
Investments
Advances

481
330
213
695

481
569
221
875

69061
237853
159286
163260

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

77
335
81
375

64
315
32
321

26389
9951
8938
11102

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

19.06
-10.55
22.38

Return on Assets
CRAR
Net NPA ratio

-7.92
21.34
4.34

Foreign Banks

6.17
1.03
24.40

2.82
7.17
23.48

5.09
4.19
14.83

-4.24
19.10
1.59

1.26
17.25
1.82

1.05
14.58
1.12

Antwerp Diamond Bank


(Amount in rupees crore)

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

2005-06
1
19
2308.40
41.22
136
53
141
422
37
5
21
7

2006-07

2007-08 2008-09

1
1
18
19
2071.57 2618.95
55.63
53.54
147
54
158
375

203
80
171
476

1
24
3371.97
70.76
219
81
215
700

41
7
25
6

41
8
23
6

48
13
23
8

3.76
1.76
9.94

4.60
2.51
8.78

3.79
2.39
10.00

3.33
2.33
11.73

1.21
39.67
0.00

1.70
46.48
0.00

1.63
37.09
0.00

1.64
26.79
3.35

Foreign Banks

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
1
310
71998
22
27742
944620
1955.63 1445.87
873.32
-7.88
17.09
6.05
217
57
195
446

69061
237853
159286
163260

430046
4752456
1719185
3497054

34
15
8
11

26389
9951
8938
11102

415751
78519
272084
99769

1.25
3.25
23.24

2.82
7.17
23.48

-0.25
33.72
14.32

1.26
17.25
1.82

5.09
4.19
14.83
1.05
14.58
1.12

Bank International Indonesia


(Amount in rupees crore)

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

2005-06

2006-07

2007-08 2008-09

1
16
148.00
-7.66

1
12
97.00
37.39

1
3
0.00
233.26

1
2
0.00
67.08

75
15
16
7

76
11
13
1

78
0
5
0

78
0
1
0

4
1
1
3
2.07
8.14
19.22
-1.28
108.87
0.00

5
4
1
3
3.99
18.26
15.21
6.52
141.24
0.00

2
11
0
5

1
0
1

1.12
21.3
20.78

0.00
0.00
0.00

8.78
235.82
0.00

0.00
501.34
0.00

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
1
310
71998
2
27742
944620
.. 1445.87
873.32
..
17.09
6.05
..
..
..
..
..
..
..
..
..
..
..
..
..
..

Foreign Banks

69061
237853
159286
163260

430046
4752456
1719185
3497054

26389
9951
8938
11102

415751
78519
272084
99769

2.82
7.17
23.48
1.26
17.25
1.82

5.09
4.19
14.83
1.05
14.58
1.12

Bank of America
(Amount in rupees crore)

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

2005-06
5
282
1924.81
51.82

2006-07

2007-08 2008-09

5
5
283
314
1920.89 2483.54
69.09 102.08

5
293
2430.57
110.85

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
5
310
71998
284
27742
944620
3101.97 1445.87
873.32
121.26
17.09
6.05

1582
2106
1664
3369

1778
2718
1886
2916

2411
4191
2878
3452

2748
4167
3670
3356

3099
5490
8383
3631

69061
237853
159286
163260

430046
4752456
1719185
3497054

348
198
147
113

430
233
169
140

514
348
163
167

607
393
152
175

569
493
186
244

26389
9951
8938
11102

415751
78519
272084
99769

4.01
2.13
21.31
2.41
23.40
0.00

4.70
2.24
25.20
3.10
13.33
0.00

3.70
4.08
27.31
3.76
13.45
0.00

2.22
9.06
24.60
3.42
12.73
0.00

Foreign Banks

1.85
5.75
29.50

2.82
7.17
23.48

5.09
4.19
14.83

2.60
15.49
0.00

1.26
17.25
1.82

1.05
14.58
1.12

Bank of Bahrain & Kuwait


(Amount in rupees crore)

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

2005-06
2
68
728.00
-10.00

2
76
704.00
-11.00
88
364
109
171

2007-08 2008-09
2
94
718.00
20.00
95
395
123
280

2
123
617.00
14.00
100
472
149
287

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
2
310
71998
106
27742
944620
850.00 1445.87
873.32
2.00
17.09
6.05
100
515
220
387

69061
237853
159286
163260

430046
4752456
1719185
3497054

29
5
20
12

30
5
17
11

35
9
19
12

49
15
25
17

41
10
27
17

26389
9951
8938
11102

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.35
3.54
15.94

4.59
5.38
15.45

4.50
5.06
16.03

5.19
7.12
17.76

4.92
4.16
16.73

2.82
7.17
23.48

Return on Assets
CRAR
Net NPA ratio

-1.32
18.77
1.29

-1.90
22.00
0.12

4.08
21.61
1.51

3.14
25.52
0.09

0.38
25.01
1.95

1.26
17.25
1.82

Interest income
Other income
Interest expended
Operating expenses

88
327
129
169

2006-07

Foreign Banks

5.09
4.19
14.83
1.05
14.58
1.12

Bank of Ceylon
(Amount in rupees crore)

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

2005-06

2006-07

2007-08 2008-09

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
1
310
71998
30
27742
944620
444.00 1445.87
873.32
18.00
17.09
6.05

1
33
587.10
1.64

1
25
579.00
9.00

1
29
483.00
15.00

1
30
488.00
73.00

Capital and Reserves & surplus


Deposits
Investments
Advances

55
87
30
49

57
86
31
41

61
74
30
41

80
86
31
45

86
92
63
40

69061
237853
159286
163260

430046
4752456
1719185
3497054

Interest income
Other income
Interest expended
Operating expenses

10
4
4
3

10
3
4
3

11
4
3
3

14
15
3
3

11
6
4
4

26389
9951
8938
11102

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses
Return on Assets
CRAR
Net NPA ratio

3.98
5.34
13.99
0.25
56.37
23.74

4.18
4.17
13.78
1.25
63.21
14.96

3.70
9.07
14.71
2.24
55.97
4.01

3.35
10.76
16.28
10.23
45.18
0.00

Foreign Banks

4.16
8.72
17.69

2.82
7.17
23.48

5.09
4.19
14.83

2.73
50.85
0.00

1.26
17.25
1.82

1.05
14.58
1.12

Bank of Nova Scotia


(Amount in rupees crore)

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

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

2006-07

2007-08 2008-09

5
5
194
203
2311.12 3082.88
39.10
49.89
608
2079
1095
2969
257
82
179
40

708
3755
1644
4774

5
195
3890.97
78.39
861
2976
1726
4805

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
5
310
71998
196
27742
944620
3750.43 1445.87
873.32
101.43
17.09
6.05
1060
3454
1922
5071

69061
237853
159286
163260

430046
4752456
1719185
3497054

424
133
181
46

26389
9951
8938
11102

415751
78519
272084
99769

354
114
258
40

545
171
371
59

4.22
1.18
8.21

5.16
1.63
7.06

5.11
1.58
5.67

5.94
2.58
4.16

2.40
4.58
8.48

2.82
7.17
23.48

5.09
4.19
14.83

0.83
13.71
1.00

1.73
23.26
0.00

1.73
20.15
0.00

2.04
12.7
0.00

2.79
13.15
0.00

1.26
17.25
1.82

1.05
14.58
1.12

Foreign Banks

Bank of Tokyo Mitsubishi UFJ


(Amount in rupees crore)

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

2005-06
3
159
1113.29
0.20

2007-08 2008-09

3
3
132
137
1780.52 2613.45
35.42
60.50
642
960
522
1589

1140
1327
589
2307

3
95
3107.91
41.57
1208
2076
875
2991

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
3
310
71998
101
27742
944620
3069.80 1445.87
873.32
40.70
17.09
6.05
2307
2199
1440
3348

69061
237853
159286
163260

430046
4752456
1719185
3497054

79
36
30
42

127
49
48
42

214
43
77
30

315
63
174
41

256
77
126
51

26389
9951
8938
11102

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

2.74
3.16
35.75

2.49
4.37
24.60

2.91
5.70
14.68

5.26
3.78
8.69

2.98
3.45
11.72

2.82
7.17
23.48

Return on Assets
CRAR
Net NPA ratio

0.02
33.38
0.00

2.11
30.71
0.00

2.40
26.87
0.00

1.49
29.51
0.03

1.31
68.16
0.02

1.26
17.25
1.82

Interest income
Other income
Interest expended
Operating expenses

595
784
449
1034

2006-07

Foreign Banks

5.09
4.19
14.83
1.05
14.58
1.12

Barclays Bank
(Amount in rupees crore)

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

2005-06

2006-07

2007-08 2008-09

1
45
148.51
271.00

3
265
280.54
36.28

5
2078
942.33
0.50

5
1534
1110.13
1.96

1378
361

1393
1010

4865
6902

5001
12486

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
7
310
71998
1083
27742
944620
873.32
1113.76 1445.87
-42.26
17.09
6.05
5516
11496

69061
237853

430046
4752456

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

585
4
66
234
28
52
6.70
13.08
42.58
9.64
22.92
0.00

1342
173
138
217
71
128
5.10
20.64
41.75
4.45
13.68
0.00

2857
7636
624
568
323
692

7883
10551
2037
589
979
892

6.14
4.93
24.80

8.68
8.61
14.15

0.10
21.11
0.42

0.16
17.07
4.59

10647
7565

159286
163260

1719185
3497054

1659
149
698
780

26389
9951
8938
11102

415751
78519
272084
99769

4.50
8.88
22.00

2.82
7.17
23.48

5.09
4.19
14.83

-3.12
16.99
5.15

1.26
17.25
1.82

1.05
14.58
1.12

Foreign Banks

BNP Paribas
(Amount in rupees crore)

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

2005-06
9
303
1206.05
6.29
496
1847
1108
1854
223
73
113
104

2006-07

2007-08 2008-09

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

1214
3236
2690
3772
459
256
254
178

9
347
2035.00
49.00
1656
3353
3562
3710
637
243
272
193

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
9
310
71998
330
27742
944620
2776.00 1445.87
873.32
55.00
17.09
6.05
1834
5443
4027
3738

69061
237853
159286
163260

430046
4752456
1719185
3497054

585
195
143
238

26389
9951
8938
11102

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.22
2.24
23.01

5.46
2.51
21.84

5.69
2.56
22.17

4.54
5.57
19.57

2.11
5.48
26.72

2.82
7.17
23.48

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

0.55
11.61
0.00

1.41
10.76
0.00

1.97
12.66
0.00

2.13
12.37
0.86

2.05
15.78
0.00

1.26
17.25
1.82

1.05
14.58
1.12

Foreign Banks

Credit Agricole Bank (Erstwhile Calyon Bank)


(Amount in rupees crore)

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

2005-06
6
108
1278.00
71.00

2007-08 2008-09

6
6
109
131
1629.00 2249.00
82.00
97.00
781
775
948
1003

849
1135
1461
1812

6
120
2105.00
130.00
910
818
4031
1763

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
6
310
71998
110
27742
944620
2983.00 1445.87
873.32
71.00
17.09
6.05
1345
1066
4123
2235

69061
237853
159286
163260

430046
4752456
1719185
3497054

130
107
105
53

168
152
95
79

276
230
143
108

347
255
174
100

330
240
101
80

26389
9951
8938
11102

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

8.90
-1.50
17.80

5.41
4.45
27.09

5.31
4.12
27.39

3.92
6.18
21.08

1.60
4.81
23.40

2.82
7.17
23.48

Return on Assets
CRAR
Net NPA ratio

4.30
19.80
0.20

4.60
15.10
0.00

4.20
9.70
0.00

4.10
13.20
0.00

1.70
19.50
6.18

1.26
17.25
1.82

Interest income
Other income
Interest expended
Operating expenses

718
372
427
1012

2006-07

Foreign Banks

5.09
4.19
14.83
1.05
14.58
1.12

Chinatrust Commercial Bank


(Amount in rupees crore)

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

2005-06

2006-07

2007-08 2008-09

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
1
310
71998
33
27742
944620
963.00 1445.87
873.32
10.00
17.09
6.05

1
21
980.00
-16.00

1
21
1042.00
3.00

1
26
845.00
13.00

1
31
675.00
18.00

42
78
34
98

43
103
41
116

46
92
41
128

116
61
13
148

119
114
17
203

69061
237853
159286
163260

430046
4752456
1719185
3497054

9
1
3
4

12
1
7
4

14
2
8
5

19
3
6
9

17
4
3
12

26389
9951
8938
11102

415751
78519
272084
99769

3.02
4.71
18.57
-1.71
38.01
1.80

5.23
3.42
12.99
0.34
22.14
0.27

5.57
3.70
11.00
1.63
22.72
0.00

5.68
6.16
20.13
2.91
45.4
0.00

3.11
6.05
24.79

2.82
7.17
23.48

1.34
31.12
1.39

1.26
17.25
1.82

Foreign Banks

5.09
4.19
14.83
1.05
14.58
1.12

Citibank
(Amount in rupees crore)

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

2005-06
40
3250
1607.92
21.71
4347
27912
10556
24455
3064
1043
1006
1525

2006-07

2007-08 2008-09

40
40
5194
4782
1360.48 1763.78
17.33
37.73
6603
37875
16021
32861
4384
1346
1696
1853

9351
46125
18450
38377
5964
2446
2311
2179

41
4795
1880.10
45.12
11518
51677
24519
39920
6840
3582
2429
2587

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
310
71998
43
4613
27742
944620
1979.89 1445.87
873.32
18.32
17.09
6.05
13514
54452
28109
36655

69061
237853
159286
163260

6070
1591
2017
2354

26389
9951
8938
11102

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

3.04
6.53
13.60

3.87
6.30
15.83

4.26
7.31
14.51

3.56
9.04
17.56

2.67
7.82
20.02

2.82
7.17
23.48

Return on Assets
CRAR
Net NPA ratio

3.07
11.33
0.95

2.79
11.06
1.02

2.24
12.00
1.23

2.12
13.23
2.63

0.96
18.14
2.14

1.26
17.25
1.82

Foreign Banks

430046
4752456
1719185
3497054
415751
78519
272084
99769
5.09
4.19
14.83
1.05
14.58
1.12

DBS Bank
(Amount in rupees crore)

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

2005-06
2
130
600.30
12.24

2007-08 2008-09

2
2
186
230
1003.02 1416.58
39.84
28.27
1076
3836
1078
1230

1141
5096
4512
2364

10
359
1662.32
72.16
1401
6023
7811
2723

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
10
310
71998
417
27742
944620
2554.50 1445.87
873.32
64.75
17.09
6.05
1671
8313
10086
4015

69061
237853
159286
163260

430046
4752456
1719185
3497054

154
-9
60
39

381
86
242
74

634
-33
393
88

809
302
494
165

880
155
318
168

26389
9951
8938
11102

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.33
-0.45
22.76

7.52
1.37
14.52

6.74
2.45
11.52

5.47
3.93
13.89

2.59
5.61
15.11

2.82
7.17
23.48

Return on Assets
CRAR
Net NPA ratio

0.73
31.33
0.00

1.60
29.24
0.00

0.86
18.15
0.05

2.72
15.70
0.55

2.38
16.96
1.00

1.26
17.25
1.82

Interest income
Other income
Interest expended
Operating expenses

573
1452
551
892

2006-07

Foreign Banks

5.09
4.19
14.83
1.05
14.58
1.12

Deutsche Bank
(Amount in rupees crore)

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

2005-06
8
678
1016.83
18.57

2006-07

2007-08 2008-09

8
10
2250
3500
1143.53 1616.74
20.98
27.54

13
1599
1434.10
26.90

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
13
310
71998
1498
27742
944620
1790.76 1445.87
873.32
29.80
17.09
6.05

1311
4380
3261
2582

1940
6978
6204
4945

4292
13755
10171
8960

4760
14147
8705
8798

4945
13929
9047
12923

69061
237853
159286
163260

430046
4752456
1719185
3497054

604
555
368
466

972
654
467
744

1445
1018
537
1054

1881
1020
588
1155

1579
817
302
956

26389
9951
8938
11102

415751
78519
272084
99769

3.25
7.05
30.97

3.21
10.11
24.34

1.56
15.05
0.22

1.72
15.25
0.88

4.10
1.97
19.50
1.04
12.74
0.00

4.00
5.45
31.45
1.23
10.62
0.01

1.64
7.07
40.56
1.73
16.45
0.79

Foreign Banks

2.82
7.17
23.48
1.26
17.25
1.82

5.09
4.19
14.83
1.05
14.58
1.12

FirstRand Bank
(Amount in rupees crore)

Items

2005-06

2006-07

2007-08 2008-09

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

Foreign Banks

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
1
310
71998
35
27742
944620
71.61 1445.87
873.32
-106.64
17.09
6.05
140
5
209
20

69061
237853
159286
163260

430046
4752456
1719185
3497054

6
12
1
54

26389
9951
8938
11102

415751
78519
272084
99769

0.49
3.08
72.07

2.82
7.17
23.48

5.09
4.19
14.83

-21.45
74.73
0.00

1.26
17.25
1.82

1.05
14.58
1.12

Hong Kong & Shanghai Banking Corporation


(Amount in rupees crore)

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

2005-06
43
4985
975.65
12.07

2007-08 2008-09

47
47
6564
7753
979.68 1012.34
14.32
16.69
6159
34825
14131
23142

8459
42620
19290
29944

47
7446
961.81
16.06
11214
49970
31154
27589

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
50
310
71998
6685
27742
944620
1135.52 1445.87
873.32
11.73
17.09
6.05
12135
55748
41289
23475

69061
237853
159286
163260

430046
4752456
1719185
3497054

2202
928
828
1025

3508
1212
1213
1584

4979
2117
2016
2145

6327
2699
2661
2195

5166
2135
1915
1950

26389
9951
8938
11102

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

3.25
5.47
22.77

3.49
7.11
22.05

4.39
7.87
21.41

4.82
8.81
18.01

3.17
7.19
21.28

2.82
7.17
23.48

Return on Assets
CRAR
Net NPA ratio

1.58
10.61
0.58

1.82
11.06
0.43

1.82
10.59
0.58

1.51
15.31
1.42

0.88
18.03
2.31

1.26
17.25
1.82

Interest income
Other income
Interest expended
Operating expenses

4166
24955
12142
16812

2006-07

Foreign Banks

5.09
4.19
14.83
1.05
14.58
1.12

JP Morgan Chase Bank


(Amount in rupees crore)

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

2005-06
1
82
1252.09
88.94
545
1826
2163
76
126
101
52
42
2.68
-2.65
20.98
2.53
11.76
0.00

2006-07

2007-08 2008-09

1
1
155
160
1121.88 1614.67
82.15 153.77
1211
1667
4367
799
279
172
127
71
1.97
3.85
19.95
1.71
16.14
2.17

2068
3313
6143
1059

1
175
1825.28
253.63
2512
3587
6694
703

451
384
204
128

513
721
231
138

2.52
8.64
23.51

2.69
5.67
21.22

3.07
17.72
2.12

4.21
15.90
1.27

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
1
310
71998
182
27742
944620
2135.81 1445.87
873.32
6.06
17.09
6.05
2977
5931
9162
1012

69061
237853
159286
163260

430046
4752456
1719185
3497054
415751
78519
272084
99769

438
-101
180
163

26389
9951
8938
11102

2.04
1.29
28.60

2.82
7.17
23.48

0.09
23.63
2.88

1.26
17.25
1.82

Foreign Banks

5.09
4.19
14.83
1.05
14.58
1.12

JSC VTB BANK


(Amount in rupees crore)

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

2005-06

2006-07

2007-08 2008-09
1
17
73.26
-1.72

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
1
310
71998
16
27742
944620
114.00 1445.87
873.32
-8.56
17.09
6.05

111
2
0
10

111
9
2
10

69061
237853
159286
163260

430046
4752456
1719185
3497054

7
0
0
7

5
0
0
8

26389
9951
8938
11102

415751
78519
272084
99769

0.00
8.57
33.38

0.00
13.54
35.46

2.82
7.17
23.48

5.09
4.19
14.83

-0.26
317.51
0.00

-1.16
221.67
0.00

1.26
17.25
1.82

1.05
14.58
1.12

Foreign Banks

Krung Thai Bank


(Amount in rupees crore)

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

2005-06

2006-07

2007-08 2008-09

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
1
310
71998
10
27742
944620
1015.45 1445.87
873.32
7.08
17.09
6.05

1
11
395.25
37.77

1
10
539.16
13.04

1
10
812.81
18.04

1
10
1021.69
16.87

42
33
25
11

44
49
22
10

45
81
22
9

45
103
28
9

44
107
31
5

69061
237853
159286
163260

430046
4752456
1719185
3497054

4
6
1
3

6
0
1
3

8
1
2
3

10
1
5
3

8
1
4
4

26389
9951
8938
11102

415751
78519
272084
99769

1.98
4.76
16.45

2.62
6.63
17.78

3.69
5.41
11.07

4.95
3.47
8.15

3.48
3.83
9.36

2.82
7.17
23.48

5.37
133.53
0.00

1.72
121.73
0.00

1.90
109.03
0.00

1.36
81.86
0.00

0.52
61.02
0.00

1.26
17.25
1.82

Foreign Banks

5.09
4.19
14.83
1.05
14.58
1.12

Mashreq Bank
(Amount in rupees crore)

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

2005-06

2006-07

2007-08 2008-09

2
10
484.16
37.43

2
16
440.07
64.70

2
15
225.63
53.61

2
16
310.03
34.12

63
21
37
31

73
35
28
33

82
31
26
41

87
21
53
10

20
7
18
4
12.68
-5.64
5.31
1.30
136.92
0.00

8
8
1
6
1.11
6.14
35.68
8.19
97.06
0.00

8
10
0
6

5
10
0
6

0.66
3.20
42.24

0.59
4.75
41.18

8.82
52.81
0.00

4.43
76.80
0.00

Foreign Banks

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
2
310
71998
16
27742
944620
191.16 1445.87
873.32
26.69
17.09
6.05
92
42
34
56

69061
237853
159286
163260

430046
4752456
1719185
3497054
415751
78519
272084
99769

5
13
0
8

26389
9951
8938
11102

0.33
3.46
36.15

2.82
7.17
23.48

3.35
78.21
0.00

1.26
17.25
1.82

5.09
4.19
14.83
1.05
14.58
1.12

Mizuho Corporate Bank


(Amount in rupees crore)

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

2005-06
1
75
684.21
8.88

2006-07

2007-08 2008-09

2
2
83
95
918.86 1589.56
14.60
25.03

2
113
2023.79
38.14

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
2
310
71998
126
27742
944620
1940.86 1445.87
873.32
17.56
17.09
6.05

369
137
91
328

381
121
160
641

401
447
247
857

744
1148
404
1119

765
1188
447
1083

69061
237853
159286
163260

430046
4752456
1719185
3497054

24
8
11
9

44
13
15
17

75
20
34
26

129
38
58
36

98
37
51
46

26389
9951
8938
11102

415751
78519
272084
99769

4.56
1.65
19.67
0.88
65.76
0.15

4.32
3.40
21.19
1.30
34.40
0.00

4.71
3.37
16.35
1.96
29.68
0.00

4.86
5.96
15.83
2.43
37.58
0.00

Foreign Banks

3.69
3.52
18.74

2.82
7.17
23.48

5.09
4.19
14.83

0.89
38.98
0.00

1.26
17.25
1.82

1.05
14.58
1.12

Oman International Bank


(Amount in rupees crore)

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

2005-06
2
26
784.01
-9.35

2007-08 2008-09

2
37
528.62
-6.14
164
194
104
2

2
36
484.99
19.91
166
177
93
1

2
39
480.49
7.50
168
187
94
2

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
2
310
71998
39
27742
944620
522.44 1445.87
873.32
24.46
17.09
6.05
170
172
94
2

69061
237853
159286
163260

430046
4752456
1719185
3497054

17
-1
14
6

16
1
13
6

15
1
12
6

15
3
9
6

14
11
8
7

26389
9951
8938
11102

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

5.69
-1.87
7.73

5.61
29.05
9.13

5.60
5.73
9.31

4.32
-0.25
11.32

4.04
0.21
12.59

2.82
7.17
23.48

Return on Assets
CRAR
Net NPA ratio

-1.31
9.58
41.58

-0.90
10.99
0.00

3.15
23.09
0.00

1.22
27.87
0.00

3.52
41.08
0.00

1.26
17.25
1.82

Interest income
Other income
Interest expended
Operating expenses

162
203
115
8

2006-07

Foreign Banks

5.09
4.19
14.83
1.05
14.58
1.12

Shinhan Bank
(Amount in rupees crore)

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

2005-06
1
16
1503.26
33.26
121
149
67
91
17
5
7
5
2.17
3.51
11.47
1.48
81.71
0.00

2006-07

2007-08 2008-09

2
2
34
38
1433.00 1709.81
25.00
34.59
217
208
82
136
25
3
6
9
1.70
5.42
18.42
1.60
89.27
0.00

230
336
118
314

2
53
2445.00
38.58
249
766
203
458

48
6
15
13

64
8
26
13

4.15
3.19
12.74

4.25
6.95
13.74

1.86
48.66
0.00

1.86
36.80
0.00

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
2
310
71998
50
27742
944620
2210.54 1445.87
873.32
45.77
17.09
6.05
274
692
196
480
69
13
22
13
2.93
6.61
13.54
2.28
40.85
0.00

Foreign Banks

69061
237853
159286
163260

430046
4752456
1719185
3497054

26389
9951
8938
11102

415751
78519
272084
99769

2.82
7.17
23.48
1.26
17.25
1.82

5.09
4.19
14.83
1.05
14.58
1.12

Societe Generale
(Amount in rupees crore)

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

2005-06
2
113
1467.20
20.80

2006-07

2007-08 2008-09

2
2
114
118
1316.00 1459.10
19.20
33.90

2
115
1017.00
33.83

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
2
310
71998
102
27742
944620
1098.54 1445.87
873.32
3.85
17.09
6.05

339
943
1087
271

348
1128
1457
385

372
1363
2516
385

381
825
1540
366

363
836
1788
415

69061
237853
159286
163260

430046
4752456
1719185
3497054

93
24
52
30

169
40
117
49

221
42
165
61

153
69
80
66

109
9
44
62

26389
9951
8938
11102

415751
78519
272084
99769

5.26
1.39
20.63
1.15
37.40
0.00

5.97
2.75
17.44
0.96
31.82
0.00

4.38
5.81
14.69
1.33
20.77
0.00

3.14
9.54
22.01
2.07
22.47
0.00

2.16
5.42
31.34

2.82
7.17
23.48

5.09
4.19
14.83

0.31
22.77
0.29

1.26
17.25
1.82

1.05
14.58
1.12

Foreign Banks

Sonali Bank
(Amount in rupees crore)

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

2005-06
1
40
54.81
1.21
5
20
7
3

2006-07

2007-08 2008-09

2
39
71.45
1.38
5
28
5
3

2
41
74.02
1.38
5
23
5
8

2
34
138.45
1.29
6
42
5
10

1
4
1
3

1
4
1
3

1
4
1
3

1
5
1
3

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

2.58
9.00
44.44

1.72
9.63
47.48

1.41
8.25
48.11

1.22
6.23
50.14

Return on Assets
CRAR
Net NPA ratio

1.69
93.78
0.75

1.52
71.42
0.67

1.60
41.25
0.00

1.98
20.31
2.55

Foreign Banks

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
2
310
71998
35
27742
944620
89.14 1445.87
873.32
1.58
17.09
6.05
6
31
5
8

69061
237853
159286
163260

430046
4752456
1719185
3497054

1
5
1
4

26389
9951
8938
11102

415751
78519
272084
99769

1.35
5.68
54.74

2.82
7.17
23.48

1.64
20.03
3.39

1.26
17.25
1.82

5.09
4.19
14.83
1.05
14.58
1.12

Standard Chartered Bank


(Amount in rupees crore)

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

2005-06

2006-07

2007-08 2008-09

82
6497
837.29
14.50

82
6658
924.20
19.62

91
8967
817.35
20.22

91
7825
971.43
23.82

4562
28460
10632
24077

5801
34175
11902
30104

8370
37004
12787
33352

10277
41802
15552
37489

3056
1058
1190
1201
3.50
5.64
17.12
2.49
9.93
1.57

4046
1347
1652
1404
4.17
5.41
19.32
3.06
10.44
1.43

4878
2322
2130
2051

5649
3097
2490
2500

4.92
5.98
18.98

4.89
7.41
21.09

3.13
10.59
1.04

2.87
11.56
1.37

Foreign Banks

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
95
310
71998
7903
27742
944620
1083.45 1445.87
873.32
26.31
17.09
6.05
11606
48192
18477
41552

69061
237853
159286
163260

430046
4752456
1719185
3497054
415751
78519
272084
99769

5675
2838
1784
2419

26389
9951
8938
11102

2.94
7.62
24.38

2.82
7.17
23.48

3.03
12.41
1.40

1.26
17.25
1.82

5.09
4.19
14.83
1.05
14.58
1.12

State Bank of Mauritius


(Amount in rupees crore)

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

2005-06
3
31
1688.00
10.00

2006-07

2007-08 2008-09

3
3
28
32
1236.00 1491.00
28.00
17.00

3
29
2327.00
20.00

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
3
310
71998
29
27742
944620
2613.00 1445.87
873.32
-14.00
17.09
6.05

133
264
119
225

154
212
126
134

159
248
90
214

164
372
133
303

162
348
122
410

69061
237853
159286
163260

430046
4752456
1719185
3497054

40
2
25
5

36
6
25
6

37
6
26
6

45
3
31
6

44
5
36
7

26389
9951
8938
11102

415751
78519
272084
99769

7.94
0.28
5.76
1.97
35.42
1.91

Foreign Banks

7.63
2.86
6.07
1.53
38.99
0.00

8.21
2.94
6.01
1.12
41.66
0.00

8.37
2.86
5.01
0.90
38.01
0.00

8.01
0.79
5.50

2.82
7.17
23.48

5.09
4.19
14.83

-0.66
34.40
4.32

1.26
17.25
1.82

1.05
14.58
1.12

Royal Bank of Scotland N.V. (Erstwhile ABN AMRO Bank)


(Amount in rupees crore)

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

2005-06
23
3093
905.82
8.15

2007-08 2008-09

28
28
3550
3871
1011.88 1070.26
11.36
7.66
1974
15998
6407
18388

2366
18912
11777
20381

30
3241
1029.41
0.62
2386
15960
10811
16660

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
31
310
71998
2716
27742
944620
1158.97 1445.87
873.32
-4.06
17.09
6.05
2281
16601
7265
13406

69061
237853
159286
163260

1376
612
659
748

2185
862
1038
970

3038
644
1460
1307

3120
1225
1437
1497

2126
749
714
996

26389
9951
8938
11102

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

3.78
4.29
18.14

3.81
6.30
16.65

3.96
7.30
19.92

4.19
8.28
25.61

2.94
7.38
24.37

2.82
7.17
23.48

Return on Assets
CRAR
Net NPA ratio

1.03
10.44
0.11

1.37
11.34
0.12

0.78
12.92
0.85

0.06
13.97
2.20

-0.40
12.50
1.95

1.26
17.25
1.82

Interest income
Other income
Interest expended
Operating expenses

1589
11864
4825
15073

2006-07

Foreign Banks

430046
4752456
1719185
3497054
415751
78519
272084
99769
5.09
4.19
14.83
1.05
14.58
1.12

UBS AG
(Amount in rupees crore)

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

2005-06

2006-07

2007-08 2008-09
1
18
0.00
-109.66
284
0
75

Group All
2009-10
Aggregates
Banks' Aggregates
2009-10
2009-10
1
310
71998
34
27742
944620
673.73 1445.87
873.32
17.09
6.05
3.09
1459
204
1403

69061
237853
159286

430046
4752456
1719185

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

25

163260

3497054

61
8
13
58

26389
9951
8938
11102

415751
78519
272084
99769

0.00
0.00
54.00

12.40
-12.38
39.99

2.82
7.17
23.48

5.09
4.19
14.83

-7.98
229.37
0.00

0.10
157.86
0.00

1.26
17.25
1.82

1.05
14.58
1.12

8
0
0
26

State Bank of India & its Associates


(Amount in rupees crore)

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

2005-06
14130
270608
337.79
2.20

Bank Group-wise Aggregates


2006-07
2007-08
14673
15846
255699
242029
436.35
565.06
2.57
3.72

2008-09
16878
268598
650.22
4.43

2009-10
18114
267332
735.52
4.65

37660
542409
224761
371679

42941
633476
211875
482270

61706
773875
263823
593722

72422
1007041
357624
739450

83726
1108086
377658
858198

Interest income
Other income
Interest expended
Operating expenses

49301
9526
28040
15760

53465
9420
32607
15987

70428
11818
47809
16993

89196
16073
61770
20088

97954
18394
66229
25199

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.84
2.93
24.35

4.75
3.72
21.55

5.90
3.65
15.89

5.94
3.95
15.06

5.32
3.60
17.03

Return on Assets
CRAR
Net NPA ratio

0.87
11.95
1.63

0.86
12.30
1.32

0.97
13.21
1.43

1.02
13.96
1.47

0.91
13.46
1.50

Nationalised Banks (Includes IDBI Bank Limited)


(Amount in rupees crore)

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

2005-06
35858
473725
383.07
2.23

Bank Group-wise Aggregates


2006-07
2007-08
37431
39234
473179
466400
490.01
618.28
2.87
3.77

2008-09
40854
462926
783.16
4.86

2009-10
43187
467262
947.40
5.74

Capital and Reserves & surplus


Deposits
Investments
Advances

77384
1080072
408796
734608

92689
1360724
452981
957877

113079
1679993
536018
1203678

135920
2105706
655042
1519762

157276
2583716
828125
1843102

Interest income
Other income
Interest expended
Operating expenses

88574
12379
52464
25548

110720
14264
69353
27268

142647
20979
101093
29670

183892
26394
131676
35416

208535
29994
145712
40792

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.27
3.86
21.42

4.80
3.99
17.94

5.82
3.69
14.05

6.09
4.09
13.31

5.35
3.83
13.65

Return on Assets
CRAR
Net NPA ratio

0.89
12.27
1.16

0.94
12.37
0.94

1.01
12.13
0.77

1.03
13.24
0.68

1.00
13.25
0.91

Items

Public Sector Banks


(Amount in rupees crore)

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

2005-06
50168
744333
366.61
2.22

Bank Group-wise Aggregates


2006-07
2007-08
52104
55080
728878
708429
471.18
600.10
2.76
3.75

2008-09
57732
731524
734.35
4.70

2009-10
61301
734594
870.29
5.34

Capital and Reserves & surplus


Deposits
Investments
Advances

115044
1622481
633557
1106288

135630
1994200
664856
1440146

174785
2453868
799841
1797401

208342
3112747
1012666
2259212

241001
3691802
1205783
2701300

Items

Interest income
Other income
Interest expended
Operating expenses

137874
21905
80504
41308

164185
23684
101960
43255

213075
32797
148902
46663

273088
42466
193447
55504

306488
48388
211940
65991

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.46
3.55
22.48

4.79
3.90
19.15

5.85
3.67
14.66

6.04
4.04
13.88

5.34
3.76
14.76

Return on Assets
CRAR
Net NPA ratio

0.88
12.17
1.32

0.92
12.36
1.06

1.00
12.51
0.99

1.03
13.49
0.94

0.97
13.32
1.10

Old Private Sector Banks


(Amount in rupees crore)

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

2005-06
4819
51138
417.33
1.69

Bank Group-wise Aggregates


2006-07
2007-08
4826
4690
48667
48700
474.93
569.32
2.31
4.06

2008-09
4908
51341
638.43
4.69

2009-10
5174
54860
700.02
4.22

9684
130456
45254
82957

10736
138249
43647
92887

15315
165589
54080
111670

17477
199274
72393
128504

20171
229897
83499
154136

Interest income
Other income
Interest expended
Operating expenses

10372
1221
6247
3089

11474
1568
7055
2967

14614
2184
9960
3235

18790
2782
12834
3939

20565
3084
14076
4715

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.77
3.95
18.93

4.98
4.06
16.89

6.20
4.26
13.67

6.67
5.15
13.26

6.13
4.81
14.57

Return on Assets
CRAR
Net NPA ratio

0.64
11.69
1.66

0.78
12.08
0.96

1.14
14.08
0.66

1.15
14.76
0.90

0.95
15.21
0.83

New Private Sector Banks


(Amount in rupees crore)

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

2005-06
2016
59367
889.39
6.92

Bank Group-wise Aggregates


2006-07
2007-08
2598
3632
88617
110123
830.09
831.96
6.03
6.85

2008-09
4328
124998
787.15
6.77

2009-10
5213
127424
840.71
8.47

34140
298000
135314
230005

39736
413738
171008
321865

76056
509444
224498
406733

82192
537104
234139
446824

99813
592904
270618
478358

24851
6870
15261
8949

38092
10745
25802
12353

56377
14822
38535
17032

66282
15078
44123
17840

62310
17095
37130
17960

4.14
4.58
9.54

5.24
4.47
9.36

6.11
5.05
9.56

6.06
5.23
10.17

4.43
5.13
12.14

1.22
12.60
0.78

1.09
11.99
0.97

1.13
14.39
1.21

1.12
15.33
1.40

1.38
17.96
1.09

Private Sector Banks


(Amount in rupees crore)

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

2005-06
6835
110505
670.94
4.50

Bank Group-wise Aggregates


2006-07
2007-08
7424
8322
137284
158823
704.19
751.42
4.71
6.00

2008-09
9236
176339
743.85
6.16

2009-10
10387
182284
798.37
7.19

43823
428456
180568
312962

50473
551987
214655
414751

91371
675033
278578
518402

99669
736378
306531
575328

119984
822801
354117
632494

Interest income
Other income
Interest expended
Operating expenses

35223
8091
21507
12038

49567
12313
32856
15320

70991
17006
48495
20267

85071
17860
56957
21779

82874
20180
51206
22676

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.35
4.41
12.15

5.18
4.38
10.93

6.13
4.88
10.35

6.18
5.23
10.83

4.83
5.06
12.76

Return on Assets
CRAR
Net NPA ratio

1.07
12.42
1.01

1.02
12.10
0.97

1.13
14.34
1.09

1.13
15.23
1.29

1.28
17.45
1.03

Foreign Banks
(Amount in rupees crore)

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

2005-06
259
22117
955.41
13.87

Bank Group-wise Aggregates


2006-07
2007-08
272
279
28426
33969
974.77
1037.10
16.13
19.47

2008-09
295
29582
1282.74
25.39

2009-10
310
27742
1445.87
17.09

24314
113745
52384
97562

33075
150750
71471
126339

49332
191161
98910
161133

59937
214076
130354
165385

69061
237853
159286
163260

Interest income
Other income
Interest expended
Operating expenses

12291
5371
5149
5854

17924
7044
7603
7745

24417
10588
10604
10353

30322
14894
12819
12298

26389
9951
8938
11102

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

3.63
4.90
18.22

4.03
5.74
20.08

4.33
6.60
19.95

4.46
8.14
19.44

2.82
7.17
23.48

Return on Assets
CRAR
Net NPA ratio

2.08
13.02
0.83

2.28
12.39
0.73

2.09
13.08
0.77

1.99
14.32
1.81

1.26
17.25
1.82

All Scheduled Commercial Banks


(Amount in rupees crore)

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

2005-06
57262
876955
419.80
2.80

Bank Group-wise Aggregates


2006-07
2007-08
59800
63681
894588
901221
522.94
643.24
3.49
4.74

2008-09
67263
937445
753.44
5.63

2009-10
71998
944620
873.32
6.05

Capital and Reserves & surplus


Deposits
Investments
Advances

183181
2164682
866508
1516811

219179
2696937
950982
1981236

315488
3320062
1177330
2476936

367947
4063201
1449551
2999924

430046
4752456
1719185
3497054

Items

Interest income
Other income
Interest expended
Operating expenses

185388
35368
107161
59201

231675
43041
142420
66319

308482
60391
208001
77283

388482
75220
263223
89581

415751
78519
272084
99769

Cost of Funds (CoF)


Return on advances adjusted to CoF
Wages as % to total expenses

4.39
3.80
20.11

4.82
4.12
17.32

5.80
4.12
14.01

5.96
4.53
13.60

5.09
4.19
14.83

Return on Assets
CRAR
Net NPA ratio

1.01
12.32
1.22

1.05
12.28
1.02

1.12
13.01
1.00

1.13
13.98
1.05

1.05
14.58
1.12

Items

(Amount in rupees crore)

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

All Banks'
Aggregates

State Bank Nationalised


Group
Banks
Aggregates
Group
Aggregates

Private
Foreign
Sector Banks Group
Banks Aggregates
Group
Aggregates

2009-10
71998
944620
873.32

2009-10
18114
267332
735.52

2009-10
43187
467262
947.40

2009-10
10387
182284
798.37

2009-10
310
27742
1445.87

6.05

4.65

5.74

7.19

17.09

430046

83726

157276

119984

69061

4752456
1719185
3497054

1108086
377658
858198

2583716
828125
1843102

822801
354117
632494

237853
159286
163260

415751
78519
272084
99769

97954
18394
66229
25199

208535
29994
145712
40792

82874
20180
51206
22676

26389
9951
8938
11102

Cost of Funds (CoF)


Return on advances adjusted
to CoF
Wages as % to total expenses

5.09
4.19

5.32
3.60

5.35
3.83

4.83
5.06

2.82
7.17

14.83

17.03

13.65

12.76

23.48

Return on Assets
CRAR
Net NPA ratio

1.05
14.58
1.12

0.91
13.46
1.50

1.00
13.25
0.91

1.28
17.45
1.03

1.26
17.25
1.82

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