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Banks Ratios

The document outlines various financial ratios for banks, including profitability, efficiency, and financial strength metrics. Key ratios discussed include Net Interest Margin, Efficiency Ratio, and Liquidity Coverage Ratio, along with definitions and ideal ranges for certain metrics like Credit to Deposit Ratio. Additionally, it mentions market capitalization for several companies and lists various banks and financial entities.

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Subrata Paul
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17 views8 pages

Banks Ratios

The document outlines various financial ratios for banks, including profitability, efficiency, and financial strength metrics. Key ratios discussed include Net Interest Margin, Efficiency Ratio, and Liquidity Coverage Ratio, along with definitions and ideal ranges for certain metrics like Credit to Deposit Ratio. Additionally, it mentions market capitalization for several companies and lists various banks and financial entities.

Uploaded by

Subrata Paul
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as XLSX, PDF, TXT or read online on Scribd
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Ratios for Profitability

Net Interest Margin = (Interest Income – Interest Expense) / Total Assets


Bank HDFC KOTAK ICICI AXIS SBI
2023
2022
2021
2020
2019
2018

Ratios for Efficiency


Efficiency Ratio = Non-Interest Expense / Revenue
2023
2022
2021
2020
2019
2018

Operating Leverage = Growth Rate of Revenue – Growth Rate of Non-Interest Expense


2023
2022
2021
2020
2019
2018

Ratios for Financial Strength


Liquidity Coverage Ratio = High-Quality Liquid Asset Amount / Total Net Cash Flow Amount
Gross Non-performing assets (NPAs)
Bank HDFC KOTAK ICICI AXIS SBI
2023
2022
2021
2020
2019
2018

Net Non-Performing assets (NPA)


Net NPAs is Gross NPAs – Provisions
2023
2022
2021
2020
2019
2018
CASA Ratio
CASA deposit is generally a cheap source of fund for banks if its high.
Higher CASA Ratio helps the bank in improving net interest margin as these deposits come with an Interest paym
2023
2022
2021
2020
2019
2018

Credit to deposit Ratio


A credit to deposit ratio is the ratio of how much a bank lends out of the deposit it has mobilized
The ideal Credit to Deposit Ratio is between 80%-90%.

2023
2022
2021
2020
2019
2018

Net Interest Margin


difference between the interest income generated by the bank on loans and the amount of interest paid out to
NIMs will be higher for the bank with higher low-cost deposits (CASA) or high lending rates.
2023
2022
2021
2020
2019
2018

Return on Assets
Return on Assets Ratio is the net profit generated by the bank on its Total Assets
2023
2022
2021
2020
2019
2018

Capital adequacy ratio


A high CAR means that the bank is safe
come with an Interest payment which is negligible for Banks

s mobilized

unt of interest paid out to their lenders on savings accounts and deposits
MARKET CAP
HUL
BRITANNIA
NESTLE
DABUR
MARICO
ITC
300000
4950 100 98.35 1.65 0.016777 91 6.729%
10080 100 96.64 3.36 0.034768 182 6.973%
19620 100 93.46 6.54 0.069976 364 7.017%

7/2/2024 120 10/30/2024


7/6/2024 11/3/2024
Abbotindia 3M India 7/2/2024 120
AkzoIndia 5Paisa 7/6/2024
AsianPaint Angelone
AxisBank Astrazeneca
Bajaj-Auto Bayer Cropscience
BajajFin Bosch
BajajFinsv Caplin Point
BajajHldng Cera
Bataindia Dixon
BergePaint Dr Lal Path Lab
ColPal Eicher Motors
Dabur Equitas Small Bank
Gillette Eris Lifescience
Glaxo Fine Organic
Havells Finolex Cable
HCLTech Godrej Consumer
HDFCAMC Honeywell Automation
HDFCBank ICICI Sec
HDFCLife Indigopaints
hindunilvr JCHAC
ICICIBank Kansai Nerolac
ICICIPruli Luxind
Infy McDowell-NUnited Spirit
ITC MCX
KotakBank motilalofs
Marico OFSS
NAM-India Polycab
Nestlind Radico Khaitan
PageInd Rajesh Exports
Pfizer Relaxo
PGHH Sheela Foam
Pidilitind SIS
Sanofi Sun TV
TCS Symphony
Titan TataElxsi
Whirlpool Teamlease
TTK Prestige
Ujjivan Small Finance Bank
Vinati Organics
VIPIND
10/30/2024
11/3/2024

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