8/13/2019 Definitions & Calculations

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Definitions & CalculationsThis section defines financial terms and ratios used for FY 12 data in this publication

Particulars Formulae

Total Income Total Interest Earned + Other IncomeNet Profit Total Income Total Expenses

Total Expenses Total Interest expended + Operating expenses+ Provisions and Contingencies

Total Interest Earned Interest/discount on advances/bills + Interestfrom Investments + Other Interest

Total interest Expended Interest on Deposits + Interest on RBI/Other bor-rowings + Other Interest

Net Interest Income Interest Earned Interest Expended

Total Business Total Advances + Total DepositsTotal Assets Cash in hand + Balances with RBI + Balances

with banks inside/outside India + Money at calland 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 & outsideIndia + Money at call and short notice

CASA Deposits Demand Deposits + Savings Bank Deposits

Net Worth Capital + Reserves

Borrowed funds Total Borrowings + Total Deposits + Bills pay-able

Funds Deployed Total Assets Fixed Assets Other Assets

Other Components of Assets, Liabilities, Incomeand Expenditure

As per Annual Report

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)

*100ROE 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 + Otherincome)*100

Credit Deposit (%) (Total Advances/Total Deposits) *100

Cash Deposit (%) [(Cash in hand + Balances with RBI)/ Totaldeposits]*100

Investment Deposit (%) (Total Investments/Total Deposits) *100

8/13/2019 Definitions & Calculations

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