RATIO ANALYSIS

T-2
Loans
Deposits
Business
CD Ratio
Investment
ID Ratio
1. RWA
Asset
2. Total CRAR
3. Tier 1 CRAR
4.Debt/Tier 1 Cap
Deposit
Borrowing
TIER 1 CAP

Gearing Ratio(T1)
CRAR
5. Capital Coverage
Ratio
TIER 1 CAP
Tier II Cap
Net NPA
RWA
6.Adjusted CRAR

7. Equity Multiplier
Total Asset
Equity(NW)

Ratio of Slippages

Fresh Slippages
Net Advances
NNPA
Standard Advances

9. GNPA Ratio
10.NNPA Ratio

11. Net NPA/Equity

NNPA
Equity

13.ROA

Net Profit
Asset

24.Profit margin
Net Profit
Income
25.AU Ratio
Income
Asset
14.RONW
Net Profit
Equity

15.Return on RWA
Net Profit
RWA

18. Net Interest Income

Interest Income
Interest Expenses

19.NIM
NII
AWF

Dif

20. Risk Adjusted Net

Interest Margin (RANIM)
NII
AWF
Provion for Loan losses
& Investment
21. Total Return on Investments
Interest on Investment
Profit on Investment
Investment
Return on Loan & Advances
Interest Income

26.3%

Loan

31.8%

Spread

22.Cost/Income
Operating cost
NII

Other Income

23. Overhead Efficiency

(burden) Ratio
Other Income
Other Expenses

24.Provision of Investment Ratio Provision in Investment

26. Break-even Volume of
Business per Employee

(Rs.lac)
Cost/Employee
NII
Businees
NII/Business

TIO ANALYSIS
T-1(2009-10)
T(2010-11) % Growth Page
63202
86850
37.42%
92719
116739
25.91%
155921
203597
30.58%
68.17%
74.40%
34552
43497
25.89%
37.3%
37.3%
54591
111667

68201
143508

16
92733
9077
6461

14.11%
8.69%
T 2 Ratio
17
116747
15965
7823

6.35%

5.89%

19.31%
6461
4276
197.25
54591

18.05%
7823
4882
397.74
68201

19.38%

18.15%

19.34
111667
5775

20.11
143508
7137

24.93% 125 5.1.3

28.51%

5.42%
25.90%
75.88%
21.08% 127 ,2.6

19.13%
13.25%
70.13%
22.26%

28.5%
23.6%

16%

0.99%

1.29%

476.82

812.94

48512

63202

138.3

197.25

48373.7

63004.75

0.91%

1.02%

0.46%

0.31%

3.42%

5.57%

197.25

397.74

5775

7137

1.05%

0.98%

1170.25

1413.26

111667

143508

1.05%

0.98%

-0.06%

13.80%

13.51%

-0.29%

1170.25

1413.26

8481

10459

7.59%

7.29%

8481

10459

111667

143508

20.26%

19.80%

1170.25

1413.26

18.87%

5775

7137

21.18%

P 157, 5.2

-0.31%

2.14%

2.07%

1170.25

1413.26

18.87%

54591

68201

22.26%

1903

2940

43.50%

6987

9135

26.81%

5084

6195

19.76%

2.07%

2.52%

1903

2940

43.50%

91750

116632.5

24.00%

0.38%

0.47%

1.70%

2.05%

18.88%

1903

2940

43.50%

91750

116632.5

24.00%

345

548

6.96%
1784
615
34522
4

5.85%
2327
209
43452
7

7.88%

7.46%

4979

46.27% P 159, 5.2

Sc 13
sc 14

6475 Interest Expenses

63202

86850 Deposits

2.86%

2.79%

37.07%

38.48%

1259

1641

1903

2940

sc 16

5.02%

4.67%

5084

6195

101320

132712

1493

1324.35

1.19
1493
1259

0.81
1324.35
1641

0.73%
62
8481

sc 14

-11.99%
26.50%

0.76%
80 p167,15.1
10459

4228.63

4193.50

4228.63
51.61
190300
15592100
1.22%

4193.50
60.55
293974
20359700
1.44%

FY T

(Hypothetical figures)

C/D

Loan
40%
30%
35%

Bank A
Bank B
Industry Average
RWA
Bank A
Bank B
Industry Average
CRAR
Bank A
Bank B
Industry Average

Deposit
Business
30%
65%
35%
70%
32%
68%

Asset
35%
30%
20%
25%
25%
20%
T1
T2
14%
11%
16%
9%
13%
10%
Debt/T1 Gearing
20
16
18

Bank A
Bank B
Industry Average

CCR

CRAR

Bank A
Bank B
Industry Average

9%
11%
10%

Bank A
Bank B
Industry Average

EM
25%
16%
20%
8. Ratio of Incremental NPAs to
Opening Gross Advances

15%
13%
14%

3%
7%
4%
Ratio CRAR
5.00%
14%
6.25%
10%
5.56%
12%

Bank A

0.9

Bank B

0.8

Industry Average

0.85

GNPA(%)

NNPA(%)

Bank A

4%

0.00%

Bank B

3.50%

3%

Industry Average

3.75%

2.50%

Net NPA/Equity
Bank A

0.50%

Bank B

1%

Industry Average

0.75%

ROA

PM

AU

Bank A

0.99%

11%

9%

Bank B

0.84%

12%

7%

Industry Average

0.92%

11.50%

8%

RONW

RORWA

Bank A

20%

3%

Bank B

25%

2%

Industry Average

22%

2.50%

NIM

RRWA

Bank A

3.50%

3.8%

Bank B

3.00%

4%

NIM

RANIM

RRWA

Bank A

3.50%

2%

3.8%

Bank B

3.00%

2.50%

4%

19.76%
26.99%

Calculation of Woking Fund(RSA)

2010-11 2009-10
143508
111667 Total asset
7529
8420 Balance with RBI
2481
2857 Other asset
331
292 Fixed asset
133167
100098
116632.5

2009-10
Average
Working Fund
Total Interest Income
Total Interest Expenses
NII
Yield on Funds
Cost of Funds
NIM

Advance
Interest on Advances
YOA
Depoit
Int. paid on Dep
CoD
Spread(%)

Spread Analysis
2010-11

91750
6987.69
5084.35
1903.34
7.62%
5.54%
2.07%
2.07%

86850 sc 9
6475 Sc13.1
7.46%
116747.5
5333.54 Sc 15.1
4.57%
2.89%

116633
9135.25
6195.51
2939.74
7.83%
5.31%
2.52%
2.52%

Woking Fund(RSA)

RSA

Sc 6
Sc 11
Sc 10
Average Working Fund RSA

d Analysis

Sc 13
Sc 15