Indian Banking at Glance

8/8/2019 Indian Banking at Glance

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| TheAnalyst|| October 2010 |34

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IntroductionThe Analyst Banking Special presentsits seventh consecutive study of the an-nual performances of Indian Banks.These banks have been categorized intoPublic, Private and Foreign sectors. The

Analyst has adopted the world-re-nowned CAMEL methodology. Themodel examines the efficiency of bankson these important parameters likeCapital Adequacy, Asset Quality, Man-

agement, Earnings Quality and Liquid-ity.

SamplingThe initial sample comprised 204banks. However, the sample size wasreduced to 64 banks after excluding co-operative banks, non-scheduled com-mercial banks followed by banks whoseannual reports for the year 2009-10were not available.

DataThe data for the study has been securedfrom PROWESS, a corporate databasedeveloped by the Center for MonitoringIndian Economy (CMIE).

Ranking Methodology All the banks were first individuallyranked based on the sub-parameters of each parameter. The sum of these rankswas then taken to arrive at the Group

Average of individual banks for eachparameter. Finally, the compositerankings for banks were arrived at aftercomputing the average of these groupaverages. Banks were ranked in the as-cending/descending order based on theindividual sub-parameters.

Camel ModelCapital AdequacyCapital Adequacy Ratio (%)

The present study of Banks are based on CAMEL Methodology, which are categorized into Public,Private and Foreign Banks.

Disclaimer:The Analyst has taken utmost care and caution in collecting the data before publication. In spite of this, if any omission, inaccuracy or printing errors occur wregard to the data,The Analyst will not be held responsible or liable. This study is meant for information purpose only.

METHODOLOGY

As per the latest RBI norms, banks inIndia should have a CAR of 9%. It is ar-rived at by dividing the Tier I and Tier IIcapital by risk-weighted assets. Tier Icapital includes equity capital and freereserves. Tier II capital comprises sub-ordinated debt of 5-7 year tenure. Thehigher the CAR, the stronger the bank.Debt-Equity Ratio (D/E)Debt-Equity Ratio is arrived at by di-viding the total borrowings and depos-

its by shareholders net worth, which in-

cludes equity capital and reserves andsurpluses.Total Advances to Total Assets (ADV/AST)This is the ratio of the Total Advancesto Total Assets. Total Advances alsoinclude receivables. The value of Total

Assets excludes the revaluations of allthe assets.G-secs to Total Investments (G-SEC/INV)This ratio shows the risk involved in abanks investments. Since govern-ment securities are risk-free, thehigher the G-secs to investments ra-tio, the lower the risk involved in abanks investments. It is arrived at bydividing the amount invested in gov-

ernment securities by total invest-ments.Asset QualityNet NPAs to Total Assets (NNPAs/TA)It is a measure of the quality of assetsin a situation where the managementhas not provided for loss on NPAs. Here,the Net NPAs are measured as a per-centage of Total Assets. The lower theratio, the better the quality of advances.Net NPAs to Net Advances (NNPAs/NA)

Net NPAs are Gross NPAs net of provi-

sions on NPAs and suspense account. Inthis ratio, Net NPAs are measured as apercentage of Net Advances.Total Investments to Total Assets (TI/TA)This ratio is used as a tool to measurethe percentage of total assets locked upin investments, which, by conventionaldefinition, doesnt form part of the coreincome of a bank. It is arrived at by divid-ing total investments by total assets.Percentage Change in Net NPAsThis measure tracks the movement inNet NPAs over previous year. Thehigher the reduction in Net NPA levels,the better it is for the bank. It is given bythe formula: %Change in Net NPAs =



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(Net NPAs at the end of the year NetNPAs at the beginning of the year)/NetNPAs at the beginning of the year.Management EfficiencyTotal Advances to Total Deposits (TA/TD)This ratio measures the efficiency of the

management in converting the depositsavailable with the bank (excludingother funds like equity capital, etc.) intoadvances. Total Deposits include de-mand deposits, savings deposits, termdeposits and deposits of other banks.Total Advances also include the receiv-ables.Profit Per Employee (PPE)This measures the efficiency of the em-ployee at the branch level.Business Per employee (BPE)This tool measures the efficiency of allthe employees of a bank in generating

business for the bank. It is arrived at bydividing the total business by the totalnumber of employees. By business wemean the sum of Total Advances andTotal Deposits in a particular year.Return on Net Worth (RoNW)It is a measure of the profitability of abank. Here, PAT is expressed as a per-centage of Average Net Worth.Earnings QualityOperating Profit by Average WorkingFunds (OP/AWF)This is arrived at by dividing the oper-ating profit of a bank by its averageworking funds. Working funds or thedaily average of the total assets duringthe year.Percentage Growth in Net ProfitIt is the percentage change in net profit

over the previous year.Net Interest Margin (NIM)It is an important measure of a bankscore income (income from lending opera-tions). It is the difference between theinterest income and interest expended

as a percentage of average earning as-sets. Interest income includes dividendincome. Interest expended includes in-terest paid on deposits, loans from RBI,and other short-term and long-termloans.Net Profit/Average Assets (PAT/AA)This ratio measures return on assetsemployed or the efficiency in utilizationof the assets. It is arrived at by dividingthe net profit by average assets, whichis the average of total assets in the cur-rent year and previous year.Interest Income/Working Funds (II/WF)

This ratio measures the income fromlending operations as a percentage of the working funds in a year. Interest in-come includes income on advances, in-terest on deposits with RBI, and divi-dend income.Non-interest Income/Working Funds(NII/WF)This measures the income from opera-tions other than lending as a percentageof working funds. Non-interest incomeis the interest income earned by thebanks excluding income on advancesand deposits with RBI.LiquidityLiquid Assets/Demand Deposits (LA/DD)This ratio measures the liquidityavailable to the depositors of a bank.Liquid Assets include cash in hand,

balance with RBI, balance with otherbanks (both in India and abroad), andmoney at call and short notice. TotalDeposits include demand deposits,savings deposits, term deposits anddeposits of other financial institu-tions.Liquid Assets to Total Deposits (LA/TD)This ratio measures the liquidityavailable to the depositors of a bank.Liquid Assets include cash in hand,balance with RBI, balance with otherbanks (both in India and abroad), andmoney at call and short notice. TotalDeposits include demand deposits,savings deposits, term deposits anddeposits of other financial institu-tions.Liquid Assets/Total Assets (LA/TA)Liquid Assets include cash in hand,balance with RBI, balance with otherbanks (both in India and abroad), andmoney at call and short notice. The ra-tio is arrived by dividing liquid assetsby total assets.G-secs/Total Assets (G-Sec/TA)This ratio measures the proportion of risk-free liquid assets invested inG-Secs as a percentage of the assetsheld by a bank and is arrived at by di-viding investment in government secu-rities by total assets.Approved Securities/Total Assets (AS/TA)This is arrived at by dividing the totalamount invested in Approved Securi-ties by Total Assets. Approved Securi-ties are investments made in state-as-sociated bodies like electricity boards,housing boards, corporation bonds andshares of regional rural banks.

Individual Parameter Ranking(CAMEL)

Average of Group: Calculated by tak-ing the average of ranks of all indicatorsunder respective parameters.Group Ranks: It is done by sorting theaverage of group in ascending order (thelower the rank average, the better theperformance).Composite Ranking

Avg of Group Avg: Calculated by tak-ing the average of Group averages.Composite Rank: Ranking is given bysorting the Avg of Group Avg in ascend-ing order.



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GROUPAVERAGE

G-SEC/INV (%)2009-10 RANK

D/E (TIMES)2009-10 RANK

ADV/AST (%)2009-10 RANK

BANK CAR (%)2009-10 RANK

RANK2009-10

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J P Morgan Chase Bank, NA 23.63 12 0.86 13 8.44 18 30.07 21 16.00

D B S Bank Ltd. 13.64 19 3.24 21 25.32 14 51.47 20 18.50

Andhra Bank 0.11 1 0.17 1 23.09 2 20.83 7 2.75

Bank of Baroda 0.22 5 0.34 4 21.98 1 34.14 8 4.50

State Bank of Bikaner & Jaipur 0.50 11 0.77 10 25.05 6 7.24 2 7.25

Central Bank of India 0.40 9 0.69 9 27.61 15 -31.61 1 8.50

Indian Bank 0.14 2 0.23 2 27.88 17 54.49 15 9.00

Corporation Bank 0.18 3 0.31 3 30.91 21 42.62 10 9.25

State Bank of Hyderabad 0.33 6 0.54 7 27.07 12 74.27 17 10.50

Allahabad Bank 0.39 8 0.66 8 31.58 24 11.38 3 10.75

Punjab & Sind Bank 0.21 4 0.36 5 31.57 23 49.47 13 11.25

Punjab National Bank 0.33 6 0.53 6 26.20 9 272.05 26 11.75Oriental Bank of Commerce 0.53 12 0.87 12 26.04 8 63.60 16 12.00

Canara Bank 0.68 17 1.06 17 26.29 10 19.40 6 12.50

State Bank of Patiala 0.63 15 1.04 16 23.88 4 83.11 18 13.25

Syndicate Bank 0.69 18 1.07 18 23.74 3 52.46 14 13.25

State Bank of Travancore 0.59 13 0.91 13 26.95 11 86.84 19 14.00

State Bank of Mysore 0.66 16 1.02 14 25.31 7 132.27 22 14.75

I D B I Bank Ltd. 0.60 14 1.02 14 31.49 22 48.20 11 15.25

Union Bank of India 0.49 10 0.81 11 27.83 16 196.17 24 15.25

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GROUPAVERAGE

CH. IN NPAS2009-10 RANK

NNPA/NA2009-10 RANK

TI/TA2009-10 RANK

BANK NNPA/TA2009-10 RANK

RANK2009-10

ASSET QUALITY P UBLIC S ECTOR B ANKS



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GROUPAVERAGE


NNPA/NA2009-10 RANK

TI/TA2009-10 RANK


RANK2009-10

Dena Bank 0.74 20 1.21 20 27.25 14 36.43 9 15.75

State Bank of India 1.03 25 1.72 24 27.13 13 12.33 4 16.50

UCO Bank 0.70 19 1.17 19 31.58 24 18.90 5 16.75

Bank of India 0.80 21 1.31 21 24.40 5 251.39 25 18.00

Vijaya Bank 0.83 22 1.40 22 30.06 20 99.06 20 21.00United Bank of India 1.01 24 1.84 25 33.85 26 48.38 12 21.75

Bank of Maharashtra 0.93 23 1.64 23 30.00 19 143.63 23 22.00

Indian Overseas Bank 1.52 26 2.53 26 28.72 18 99.67 21 22.75

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Yes Bank Ltd. 0.04 1 0.06 1 28.06 7 -68.44 2 2.75

H D F C Bank Ltd. 0.18 5 0.31 5 24.53 2 -37.53 5 4.25

Tamilnad Mercantile Bank Ltd. 0.15 3 0.24 3 25.76 4 -9.51 9 4.75

Jammu & Kashmir Bank Ltd. 0.15 3 0.28 4 32.80 12 -77.63 1 5.00IndusInd Bank Ltd. 0.29 8 0.50 8 24.45 1 -43.15 4 5.25

South Indian Bank Ltd. 0.24 7 0.39 6 28.02 6 -54.16 3 5.50

Karur Vysya Bank Ltd. 0.14 2 0.23 2 30.02 9 19.87 12 6.25

City Union Bank Ltd. 0.34 9 0.58 9 27.77 5 -35.08 6 7.25

Axis Bank Ltd. 0.23 6 0.40 7 30.98 11 28.08 13 9.25

Dhanlaxmi Bank Ltd. 0.52 10 0.84 10 25.08 3 48.51 14 9.25

I N G Vysya Bank Ltd. 0.65 11 1.20 11 30.91 10 10.69 11 10.75

I C I C I Bank Ltd. 1.06 15 2.12 15 33.22 14 -15.65 7 12.75

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GROUPAVERAGE


NNPA/NA2009-10 RANK

TI/TA2009-10 RANK


RANK2009-10

ASSET QUALITY P RIVATE S ECTOR B ANKS



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GROUPAVERAGE


NNPA/NA2009-10 RANK

TI/TA2009-10 RANK


RANK2009-10

Development Credit Bank Ltd. 1.75 16 3.11 16 32.81 13 -15.27 8 13.25

Kotak Mahindra Bank Ltd. 0.96 14 1.73 14 33.42 15 -9.22 10 13.25

Karnataka Bank Ltd. 0.70 12 1.31 12 36.90 16 62.45 15 13.75

Bank of Rajasthan Ltd. 0.77 13 1.60 13 38.84 17 134.09 16 14.75

Lakshmi Vilas Bank Ltd. 2.46 17 4.11 17 28.41 8 297.50 17 14.75

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J S C Vtb Bank 0.00 1 0.00 1 1.71 1 NA 0.75

Shinhan Bank 0.00 1 0.00 1 18.44 2 NA 1.00

Mizuho Corporate Bank Ltd. 0.00 1 0.00 1 20.03 3 NA 1.25

Krung Thai Bank Public Co. Ltd. 0.00 1 0.00 1 20.24 4 NA 1.50

Mashreqbank P S C 0.00 1 0.00 1 23.57 6 NA 2.00

Bank of Nova Scotia 0.00 1 0.00 1 25.43 7 NA 2.25

Bank of Ceylon 0.00 1 0.00 1 30.66 11 NA 3.25Abu Dhabi Commercial Bank 0.00 1 0.00 1 36.36 13 NA 3.75

Oman International Bank 0.00 1 0.00 1 39.23 14 NA 4.00

B N P Paribas 0.00 1 0.00 1 42.77 15 -100.00 1 4.50

Societe Generale 0.00 1 0.00 1 75.46 20 NA 5.50

Bank of Tokyo-Mitsubishi U F J Ltd. 0.01 12 0.02 12 25.71 8 0.00 4 9.00

Standard Chartered Bank 0.65 17 1.39 15 20.62 5 12.92 5 10.50

Royal Bank of Scotland N V 1.10 18 1.95 16 30.51 10 -28.79 2 11.50

Deutsche Bank A G 0.36 15 0.79 13 31.93 12 32.63 6 11.50

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GROUPAVERAGE


NNPA/NA2009-10 RANK

TI/TA2009-10 RANK


RANK2009-10

ASSET QUALITY F OREIGN B ANKS



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GROUPAVERAGE

RONW2009-10 RANK

PPE2009-10 RANK

BPE2009-10 RANK

BANK TA/TD2009-10 RANK

RANK2009-10

Bank of Ceylon 44.02 16 0.18 13 4.44 19 6.64 9 14.25

J P Morgan Chase Bank, NA 17.07 19 0.06 16 21.36 7 0.09 16 14.50

Royal Bank of Scotland N V 80.75 10 -0.04 19 11.59 12 -6.15 19 15.00

Societe Generale 49.63 14 0.04 17 10.99 15 1.16 15 15.25

J S C Vtb Bank 112.34 6 0.00 18 1.14 21 -2.27 18 15.75

Krung Thai Bank Public Co. Ltd. 4.79 20 0.07 15 10.15 17 1.75 14 16.50

Barclays Bank Plc. 65.81 13 -0.42 21 11.14 14 -10.57 21 17.25

Oman International Bank 1.04 21 0.24 11 5.22 18 -7.15 20 17.50

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GROUPAVERAGE

PAT/AA (%)2009-10 RANK

OP/AWF (%)2009-10 RANK

PAT GROWTH (%)2009-10 RANK

NIM (%)2009-10 RANK

II/WF (%)2009-10 RANK

NII/WF (%)2009-10 RANKBANK

Andhra Bank 2.41 4 60.15 5 3.18 3 1.30 3 8.49 2 1.29 23 6.67

State Bank of Mysore 2.23 6 32.46 10 3.17 4 1.00 10 8.45 3 1.01 10 7.17

Indian Bank 2.95 1 24.87 14 4.10 1 1.42 2 8.44 4 1.26 21 7.17

Punjab National Bank 2.70 2 26.35 13 3.53 2 1.47 1 7.92 16 1.31 24 9.67Oriental Bank of Commerce 1.94 11 27.43 12 2.69 12 0.91 14 8.23 6 0.96 7 10.33

Allahabad Bank 2.44 3 56.95 6 2.78 7 1.10 7 8.02 13 1.45 26 10.33

State Bank of Travancore 1.94 11 12.57 21 2.79 6 1.15 6 8.05 11 0.97 8 10.50

Canara Bank 2.19 8 45.79 7 2.61 17 1.25 4 8.10 8 1.23 20 10.67

Punjab & Sind Bank 1.81 15 18.00 18 2.70 10 0.97 12 8.10 8 0.85 3 11.00

Bank of Baroda 2.03 10 37.32 8 2.75 8 1.21 5 6.86 24 1.15 15 11.67

State Bank of Hyderabad 2.15 9 33.60 9 2.63 16 1.00 10 7.93 15 1.05 12 11.83

UCO Bank 1.47 21 81.49 3 2.07 24 0.81 17 8.23 6 0.83 2 12.17

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RANK2009-10

GROUPAVERAGE

PAT/AA (%)2009-10 RANK

OP/AWF (%)2009-10 RANK

PAT GROWTH (%)2009-10 RANK

NIM (%)2009-10 RANK

II/WF (%)2009-10 RANK

NII/WF (%)2009-10 RANKBANK

Shinhan Bank 4.88 5 25.76 4 7.05 4 2.31 4 7.28 8 1.32 7 5.33

Standard Chartered Bank 6.14 3 11.55 5 6.88 5 2.35 3 8.08 3 4.04 17 6.00

Bank of Ceylon 6.82 2 -71.81 16 8.58 3 2.81 1 7.82 4 4.16 18 7.33D B S Bank Ltd. 4.85 6 4.24 8 4.56 14 1.89 5 7.77 5 1.37 8 7.67

Bank of Nova Scotia 4.63 7 30.04 3 3.59 16 2.67 2 5.94 13 1.87 10 8.50

B N P Paribas 4.52 8 6.14 7 5.88 9 1.88 6 6.64 9 2.21 13 8.67

Deutsche Bank A G 4.44 10 3.79 9 6.47 7 1.46 8 6.12 11 3.17 16 10.17

J S C Vtb Bank -1.97 21 372.41 1 49.04 1 -2.15 20 4.73 17 0.25 2 10.33

Credit Agricol Corporate & Invst. Bank 8.50 1 -49.72 12 3.76 15 1.14 10 7.30 7 5.30 20 10.83

Abu Dhabi Commercial Bank 1.65 17 -53.42 14 5.75 11 1.08 11 6.09 12 0.49 3 11.33

Bank of Tokyo-Mitsubishi U F J Ltd. 3.93 13 8.12 6 3.01 20 1.40 9 6.35 10 1.91 11 11.50

Mashreqbank P S C 5.92 4 -21.79 10 6.70 6 1.83 7 4.11 21 10.28 21 11.50

Krung Thai Bank Public Co. Ltd. 0.95 18 -58.06 15 11.59 2 0.51 14 5.32 16 0.73 5 11.67

Oman International Bank 4.10 11 200.68 2 6.14 8 -0.63 19 5.74 14 4.37 19 12.17

Royal Bank of Scotland N V 4.45 9 -640.46 20 5.87 10 -0.53 18 8.11 2 2.86 15 12.33

Barclays Bank Plc. 1.86 15 -1940.76 21 5.25 13 -2.65 21 9.34 1 0.84 6 12.83

Societe Generale 0.78 19 -88.91 17 3.20 18 0.19 15 7.60 6 0.63 4 13.17

Hong Kong & Shanghai Banking Corpn. Ltd. 3.73 14 -37.28 11 5.26 12 0.87 13 5.61 15 2.32 14 13.17

Mizuho Corporate Bank Ltd. 1.69 16 -51.91 13 3.13 19 0.92 12 4.27 20 1.62 9 14.83

J P Morgan Chase Bank, National Association -0.06 20 -97.51 18 2.94 21 0.02 16 4.60 18 -1.06 1 15.67

Antwerp Diamond Bank N V 4.06 12 -112.14 19 3.38 17 -0.37 17 4.52 19 2.01 12 16.00

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Yes Bank Ltd. 2950.86 2369.71 477.74 26798.57 22193.13 36382.51

Hong Kong & Shanghai Banking Corpn. Ltd. 7397.86 5165.88 809.91 55747.83 23474.77 90440.86

Standard Chartered Bank 8972.56 5674.89 2127.04 48192.38 41627.15 89619.63

Deutsche Bank A G 2498.19 1578.87 446.35 13928.82 12922.79 28330.75

Royal Bank of Scotland N V 2912.09 2126.26 -104.85 16601.48 13406.05 23812.34

Barclays Bank Plc. 1930.32 1659.27 -554.07 11495.71 7565.19 21297.21

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S.NO. TOTAL ASSETSINTEREST INCOME PATBANK TOTAL INCOME DEPOSITS ADVANCES

RANK2009-10 COMPOSITE AVG.ASSET QUALITY MANAGEMENT EARNINGSBANK CAPITAL ADEQUACY LIQUIDITY

Andhra Bank 9.00 2.75 6.25 6.67 10.60 7.05

Bank of Baroda 9.50 4.50 6.25 11.67 7.20 7.82

Canara Bank 6.00 12.50 6.50 10.67 16.20 10.37

Punjab National Bank 9.75 11.75 7.25 9.67 14.00 10.48

Indian Bank 11.50 9.00 12.25 7.17 13.80 10.74

Oriental Bank of Commerce 11.00 12.00 11.25 10.33 9.20 10.76State Bank of Patiala 8.75 13.25 13.75 14.00 6.60 11.27

State Bank of Hyderabad 12.50 10.50 10.75 11.83 12.20 11.56

State Bank of Bikaner & Jaipur 7.75 7.25 14.25 14.33 15.40 11.80

Punjab & Sind Bank 17.50 11.25 12.50 11.00 7.80 12.01

State Bank of Travancore 9.50 14.00 10.50 10.50 17.60 12.42

Allahabad Bank 14.75 10.75 13.75 10.33 14.40 12.80

State Bank of Mysore 9.75 14.75 14.50 7.17 18.00 12.83

Corporation Bank 18.50 9.25 8.00 13.17 16.00 12.98

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RANK2009-10 COMPOSITE AVG.ASSET QUALITY MANAGEMENT EARNINGSBANK CAPITAL ADEQUACY LIQUIDITY

COMPOSITE RANKINGS

Shinhan Bank 5.75 1.00 7.00 5.33 10.40 5.90

Bank of Ceylon 6.50 3.25 14.25 7.33 4.60 7.19

Bank Of Nova Scotia 10.00 2.25 2.00 8.50 13.20 7.19J S C Vtb Bank 6.00 0.75 15.75 10.33 5.60 7.69

Mashreqbank P S C 6.00 2.00 11.75 11.50 8.00 7.85

B N P Paribas 13.00 4.50 6.25 8.67 10.60 8.60

Bank of Tokyo-Mitsubishi U F J Ltd. 4.50 9.00 5.75 11.50 12.40 8.63

Krung Thai Bank Public Co. Ltd. 8.25 1.50 16.50 11.67 5.80 8.74

Mizuho Corporate Bank Ltd. 7.75 1.25 10.50 14.83 9.80 8.83

Abu Dhabi Commercial Bank 9.75 3.75 12.75 11.33 6.80 8.88

Oman International Bank 11.50 4.00 17.50 12.17 3.20 9.67

Standard Chartered Bank 12.75 10.50 9.25 6.00 10.80 9.86

Credit Agricol Corporate & Invst. Bank 15.75 14.50 3.75 10.83 7.40 10.45

Deutsche Bank A G 13.25 11.50 7.75 10.17 11.40 10.81

D B S Bank Ltd. 18.50 13.75 6.75 7.67 9.60 11.25Societe Generale 15.00 5.50 15.25 13.17 10.60 11.90

Hongkong & Shanghai Banking Corpn. Ltd. 13.75 14.00 9.75 13.17 9.00 11.93

Antwerp Diamond Bank N V 7.50 15.00 11.50 16.00 10.40 12.08

Royal Bank of Scotland N V 12.50 11.50 15.00 12.33 14.60 13.19

Barclays Bank Plc. 14.00 14.50 17.25 12.83 9.40 13.60

J P Morgan Chase Bank, NA 16.00 15.50 14.50 15.67 13.20 14.97

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Indian Banking at Glance

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