ICICI Bank 2003 Annual Report Download - page 84

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F20
forming part of the Accounts Continued
schedules
(Rupees in million)
March 31, 2003 March 31, 2002
Tier I Capital* ............................................................................................ 58,072.3 58,873.2
Tier II Capital ............................................................................................. 33,387.5 31,248.0
Total Capital ............................................................................................... 91,459.8 90,121.2
Total Risk Weighted assets and contingents .......................................... 823,805.4 787,832.1
Capital Ratios (per cent)
Tier I ........................................................................................................... 7.05% 7.47%
Tier II .......................................................................................................... 4.05% 3.97%
Total Capital ............................................................................................... 11.10% 11.44%
* Tier I Capital includes the preference shares which are due for redemption in 2018, as reduced by the amount
of corpus created in accordance with Reserve Bank of India guidelines.
11.2 Business/Information ratios
The business/information ratios for the years ended March 31, 2003 and March 31, 2002 are given in the table below :
(Rupees in million)
March 31, 2003 March 31, 2002
(i) Interest income to working funds (percent) ................................... 9.07% 8.44%
(ii) Non-interest income to working funds (percent) ............................ 1.91% 2.25%
(iii) Operating profit to working funds (percent) ................................... 2.49% 2.14%
(iv) Return on assets (percent) ............................................................... 1.13% 0.67%
(v) Business per employee (average deposits plus average advances) ...... 112.0 *48.6
(vi) Profit per employee .......................................................................... 1.1 *0.5
(vii) Net non-performing advances (funded) to net advances (percent) ....... 5.21% 5.48%
* based on weighted average number of employees.
For the purposes of computing the above ratios working funds represents the average of total assets as reported to
the Reserve Bank of India under Section 27 of the Banking Regulation Act, 1949.
11.3 Maturity Pattern
a) Rupee denominated assets and liabilities as on March 31, 2003
The maturity pattern of rupee denominated assets and liabilities of the Bank as on March 31, 2003 is given below:
(Rupees in million)
Loans & Investment
Maturity Buckets Advances Securities Deposits Borrowings
1 to 14 days ................................... 14,165.3 32,828.6 40,141.0 6,715.7
15 to 28 days ................................. 1,810.0 21,956.9 14,275.7 3,035.4
29 days to 3 months ..................... 18,592.5 36,459.5 67,790.7 17,445.0
3 to 6 months ................................ 17,052.9 18,736.1 26,369.2 18,111.5
6 months to 1 year ........................ 40,059.6 43,943.5 102,763.0 49,366.1
1 to 3 years .................................... 148,660.2 110,286.9 198,621.2 129,667.8
3 to 5 years .................................... 81,199.1 22,173.4 10,631.5 22,079.9
Above 5 years ................................ 142,587.7 68,238.2 6,885.0 28,231.6
Total ................................................. 464,127.3 354,623.1 467,477.3 274,653.0