Provide interpretation for these analyses

CAR

CAR= ((Tier1 Capital+ Tier2 Capital)/Risk Weighted Assets) *100

Capital Adequacy - CAR
YEAR	SBI	HDFC	AXIS	ICICI	BOX
2016-17	13.03	14.55	14.95	17.39	16.77
2017-18	12.72	14.82	16.57	18.42	18.22
2018-19	12.82	17.11	15.84	16.89	17.45
2019-20	13.29	18.52	17.53	16.11	17.89

Interpretation:

ADVANCE TO TOTAL ASSETS RATIO

Formula = (Advances/Total Assets) *100

Advance to total asset ratio
YEAR	SBI	HDFC	AXIS	ICICI	BOX
2016-17	58.06	64.19	62.34	60.15	60.51
2017-18	56.01	61.87	63.93	58.28	60.99
2018-19	59.38	65.84	61.77	52.23	61.61
2019-20	56.56	64.92	62.43	51.28	56.38

Interpretation:

DEBT - EQUITY RATIO

Formula = (Total Liabilities/Shareholder's Equity) *100

DEBT TO EQUITY
YEAR	SBI	HDFC	AXIS	ICICI	BOX
2016-17	58.06	64.19	62.34	60.15	60.51
2017-18	56.01	61.87	63.93	58.28	60.99
2018-19	59.38	65.84	61.77	52.23	61.61
2019-20	56.56	64.92	62.43	51.28	56.38

Interpretation:

ASSETS QUALITY OF BANKS

NET NPA'S TO TOTAL ASSET RATIO

Formula = (Net NPA/Total Assets) *100

NET NPA TO TOTAL ASSET
YEAR	SBI	HDFC	AXIS	ICICI	KOTAK
2016-17	2.1	0.21	1.4	32.6	0.8
2017-18	3.2	0.24	2.4	31.6	0.6
2018-19	1.7	0.26	1.4	13.9	0.5
2019-20	1.3	0.23	1.02	9.03	0.4

Interpretation:

GROSS NPA'S TO TOTAL ASSET RATIO

Formula = (Gross NPA/Total Assets) *100

GROSS NPA TO TOTAL ASSET
YEAR	SBI	HDFC	AXIS	ICICI	KOTAK
2016-17	4.1	0.68	3.5	54.6	1.6
2017-18	6.4	0.8	4.9	60.5	1.4
2018-19	4.6	0.9	3.7	47.3	1.4
2019-20	3.7	0.82	3.3	37.1	1.3

Interpretation:

NET NPA'S TO NET ADVANCE RATIO

Formula = (Net NPA/Net Advances) *100

NET NPA TO NET ADVANCE
YEAR	SBI	HDFC	AXIS	ICICI	KOTAK
2016-17	3.71	0.33	2.27	5.43	1.26
2017-18	5.73	0.4	3.64	5.43	0.98
2018-19	3.01	0.3	2.2	2.29	0.75
2019-20	2.23	0.36	1.62	1.54	0.71

Interpretation:

GROSS NPA'S TO GROSS ADVANCE RATIO

Formula = (Gross NPA/Gross advance) *100

Gross NPA TO Gross ADVANCE
YEAR	SBI	HDFC	AXIS	ICICI	KOTAK
2016-17	9.04	1.05	5.42	8.74	2.59
2017-18	10.85	1.3	7.38	9.9	2.22
2018-19	7.43	1.36	5.26	7.38	2.14
2019-20	6.07	1.26	4.86	6.04	2.25

Interpretation:

MANAGEMENT EFFICIENCY

TOTAL ADVANCES TO TOTAL DEPOSITS RATIO

Formulas = (Loans/Deposits) *100

TOTAL ADVANCES TO TOTAL DEPOSITS RATIO
YEAR	SBI	HDFC	AXIS	ICICI	KOTAK
2016-17	71.49	86.16	90.03	94.73	107.44
2017-18	76.83	83.46	96.91	91.34	107.71
2018-19	133.19	94.22	90.21	94.95	108.28
2019-20	139.4	86.59	89.27	88.19	95.95

Interpretation:

BUSINESS PER EMPLOYEE

Formula = (Total Business/ No.of. employee) * (Deposits+Advances)

BUSINESS PER EMPLOYEE
YEAR	SBI	HDFC	AXIS	ICICI	KOTAK
2016-17	16.24	12.36	14	98.9	8.35
2017-18	16.7	15.08	14.84	107.8	9.04
2018-19	18.77	16.87	16.53	122.2	9.96
2019-20	21.05	17.49	17.27	127.5	9.36

Interpretation:

PROFIT PER EMPLOYEE

Formula = Net Profits/NO. of Employees

PROFIT PER EMPLOYEE
YEAR	SBI	HDFC	AXIS	ICICI	KOTAK
2016-17	511.1	0.16	6.68	1.2	0.11
2017-18	243.33	0.2	0.47	0.8	0.12
2018-19	33.39	0.23	7.61	0.4	0.12
2019-20	578.98	0.24	2.4	0.8	0.13

Interpretation:

EARNINGS QUALITY

NON-INTEREST INCOME TO TOTAL INCOME

Non-Interest Income/Total Assets
YEAR	SBI	HDFC	AXIS	ICICI	KOTAK
2016-17	1.31	1.42	1.94	2.52	1.62
2017-18	1.29	1.43	1.58	1.98	1.52
2018-19	0.95	1.41	1.63	1.5	1.47
2019-20	1.14	1.51	1.69	1.49	1.49

Interpretation:

SPREAD TO TOTAL ASSET RATIO

Formula = Net Interest /Total Asset*100

Net Interest Income/Total Assets
YEAR	SBI	HDFC	AXIS	ICICI	KOTAK
2016-17	2.28	1.83	3	0.03	3.78
2017-18	2.16	2.11	2.69	0.03	3.59
2018-19	2.4	2.15	2.71	0.03	3.58
2019-20	2.48	2.29	2.75	0.03	3.74

Interpretation:

INTEREST INCOME TO TOTAL INCOME

Formula = Interest Income/Total Income*100

Interest Income to Total Income
YEAR	SBI	HDFC	AXIS	ICICI	KOTAK
2016-17	0.83	0.63	80.3	37.5	83.5
2017-18	0.83	0.65	78.2	75.9	82.9
2018-19	0.55	0.66	80.7	54.8	83.6
2019-20	0.52	0.66	78.2	56.6	83.3

Interpretation:

OPERATING PROFITS TO TOTAL ASSETS

Formula = Operating/Total assets*100

OPERATING PROFITS TO TOTAL ASSETS
YEAR	SBI	HDFC	AXIS	ICICI	KOTAK
2016-17	1.87	0.68	2.92	5.43	1.26
2017-18	1.72	0.81	2.25	5.43	0.98
2018-19	1.51	0.9	2.37	2.29	0.75
2019-20	1.72	0.82	2.56	1.54	0.71

Interpretation:

LIQUIDITY

Liquidity Assets to Total Deposits Ratio

Formula = (Liquid Assets/Total Deposits) *100

LIQUIDITY ASSETS TO TOTAL DEPOSITS RATIO
YEAR	SBI	HDFC	AXIS	ICICI	KOTAK
2016-17	12.00256	127.6507	154.678	144.7348	131.9699
2017-18	17.57098	130.2097	122.5392	143.939	133.5668
2018-19	15.62113	134.653	135.1043	167.6479	134.8658
2019-20	15.74763	128.6778	129.6256	160.8398	134.2991

Interpretation:

Liquidity Assets to Total Assets Ratio

Formula = (Liquid Assets/Total Assets) *100

LIQUIDITY ASSETS TO TOTAL ASSETS RATIO
YEAR	SBI	HDFC	AXIS	ICICI	KOTAK
2016-17	120042.3517	951113.8532	1065648.228	918974.8	956549.7
2017-18	103996.6886	965337.4276	804053.2498	918417.1	964119.8
2018-19	92764.63167	998101.4125	925108.2762	1184305	971294.3
2019-20	92670.59775	964761.6962	906655.977	1172634	970752.3

Interpretation:

Balance At Bank and RBI To Total Assets

Formula = (Balance at Bank and RBI/Total Assets) *100

BALANCE AT BANK AND RBI TO TOTAL ASSETS
YEAR	SBI	HDFC	AXIS	ICICI	KOTAK
2016-17	59505.03179	44849.6785	51304.40178	41076.38806	34915.08084
2017-18	43641.18087	95234.82653	51322.92719	37651.03485	33625.46059
2018-19	48067.5195	39231.86039	44296.14408	39469.04169	34844.64066
2019-20	42196.69878	45165.10522	38770.12853	32149.5398	26384.47127

Interpretation: