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This section defines financial terms and ratios used for FY 12 data in this publication Formulae Total Income Total Interest Earned + Other Income Net Profit Total Income Total Expenses Total Expenses Total Interest expended + Operating expenses + Provisions and Contingencies Total Interest Earned Interest/discount on advances/bills + Interest from Investments + Other Interest Total interest Expended Interest on Deposits + Interest on RBI/Other borrowings + Other Interest Net Interest Income Interest Earned Interest Expended Total Business Total Advances + Total Deposits Total Assets Cash in hand + Balances with RBI + Balances with banks inside/outside India + Money at call and short notice + Investments + Advances + Fixed Assets + Other Assets Average Assets (Opening Total Assets + Closing Total Assets)/2 Cash & balances Cash in hand + Balances with Banks in & outside India + Money at call and short notice CASA Deposits Demand Deposits + Savings Bank Deposits Net Worth Capital + Reserves Borrowed funds Total Borrowings + Total Deposits + Bills payable Funds Deployed Total Assets Fixed Assets Other Assets Other Components of Assets, Liabilities, Income As per Annual Report and Expenditure Return on Assets (%) As per Annual Report (For Aggregate- [Net Profit/Total Assets]*100 Return on Advances (%) (Interest earned on advances/Advances)*100 Return on Investments (%) (Interest earned on Investments/Investments) *100 ROE or Return on Equity (Net Profit/Net worth) *100 Net Interest Margin (%) (Net Interest Income/Average Assets)*100 Net Profit Margin (%) (Net Profit/ Total Income)*100 Cost-Income (%) Operating expenses/(Net interest income + Other income)*100 Credit Deposit (%) (Total Advances/Total Deposits) *100 Cash Deposit (%) [(Cash in hand + Balances with RBI)/ Total deposits]*100 Investment Deposit (%) (Total Investments/Total Deposits) *100 Particulars
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Particulars CASA /Total Deposit or CASA Ratio (%) Gross NPA Ratio (%) Net NPA Ratio CRAR (%) Basel II Business/Employee Profit/Employee Burden to Total Assets (%) Burden to Interest Income (%) Interest cost (%) Operating Expense Ratio (%) Cost of deposits (%) Cost of borrowings (%) Intermediation Expenses Wage bill or Employee expenses SLR Investment Non SLR Investment Total Contingent Liability
Formulae [(Demand Deposits + Savings Bank Deposits)/ Total Deposits] *100 (Gross NPA/Gross Advances )*100 Net NPA to Net Advance as per Annual Report As per Annual Report As per Annual Report As per Annual Report [(Operating expense Other Income)/Total Assets] *100 [(Operating expense Other Income)/Interest Earned] *100 ( To t a l I n t e r e s t E x p e n d e d / B o r r o w e d Funds)*100 (Operating Expense / Funds deployed) *100 (Interest on deposits/Deposits) *100 (Interest on borrowing from RBI and others/Borrowings) *100 Operating expenses as per Annual report Payment to and provisions for employee as per Annual report Investment in Government securities + other approved securities Total Investments SLR Investments Outstanding Forward Exchange Contracts + Guarantees given on behalf of constituents + Acceptances & Endorsements + Other contingent liabilities Capital Markets Sector Advances + Real Estate Sector Advances + Commodity Sector Advances Total Interest Earned/Earning Assets Funds Deployed Non SLR Investments
Note: All FY11 financials and ratios used in the publication are as per RBI data