Page 56 - BANKING FINANCE SEPTEMBER 2015

Copyright@ The Insurance Times. 09883398055 / 09883380339 56 | 2015 | SEPTEMBER Tamilnad Mercantile Bank 2008-09 2009-10 2010-11 2011-12 2012-13 (Amount in ` Million)

Items 230 233 250 296 340 Group All Banks'
2337 2267 2531 2855 3171 Aggregate Aggregate
No. of offices 67.93 87.02 95.92 106.88 113.32
No. of employees 0.64 0.81 0.99 1.10 1.39 2012-13 2012-13
Business per employee 9885 11482 13660 16348 20221
Profit per employee 95660 116393 137933 171104 202238 6283 92114
Capital and Reserves & Surplus 32072 34992 37671 48903 53483
Deposits 65717 82876 107587 137789 162560 66208 1096984
Investments 9771 11184 13710 18824 24704
Advances 1358 1728 1883 2317 2487 97.24 121.33
Interest Income 6434 7439 8272 12320 16108
Other income 2043 2314 2980 3490 4185 0.75 0.83
Interest expended 3.32 3.02 3.66 3.57 3.91
Operating expenses 7.41 6.96 6.42 7.71 8.21 330127 7089300
Net Interest Margin 5.06 4.54 4.92 4.81 5.58
Cost of Funds (CoF) 14.67 14.76 17.33 13.47 11.94 3738964 74295324
Return on advances adjusted to CoF 16.27 17.27 19.96 20.89 24.08
Wages as % to total expenses 1.51 1.54 1.74 1.75 2.00 1344993 26132752
Return on Equity 16.05 15.54 15.13 14.69 15.01
Return on Assets 0.34 0.24 0.27 0.45 0.66 2699373 58797025
CRAR
Net NPA ratio 399275 7636115

41452 977866

278598 5138027

77459 1565855

2.94 2.79

7.27 6.12

4.88 4.21

12.28 13.02 PROFILE

| BANKING FINANCE 16.22 13.84

1.26 1.03

13.73 13.88

0.77 1.68
Source : RBI