We will consider in more details the specific case of the 4 banks selected for our study and start with State Bank of India.
As per RBI website CAR for SBI for years 2000-01 & 2001-02 with break up under Tier I & II is as under:
| Particulars |
2000-01 |
2001-02 |
| Tier I Capital %-age |
8.58 |
9.22 |
| Tier II Capital |
4.21 |
4.13 |
| Total |
12.79 |
13.35 |
STATE BANK OF INDIA - TIER I CAPITAL FOR YEARS
2000-01 & 2001-02
(Figures in Lakhs)
|
| Particulars |
2000-01 |
2001-02 |
| Capital |
52630 |
52630 |
| Statutory Reserves |
778955 |
968159 |
| Capital Reserves |
11007 |
11007 |
| Share Premium |
351057 |
351057 |
| Revenue & other Reserves (50%) |
76235 |
69775 |
| Balance of Profit |
34 |
34 |
| Total |
1269918 |
1452662 |
| Less Deductions |
|
|
| Investment in Subsidiaries and/or joint ventures |
133862 |
134483 |
| Total of Tier I capital |
1136056
(8.58%) |
1318179
(9.22%) |
| Tier II Capital |
557435
(4.21%) |
590464
(4.13%) |
| Total (I + II) |
1693491
12.79% |
1908643
13.35% |
Note: Revenue reserves are taken at 50%.
State BANK OF INDIA - Classification of assets for years
2000-01 & 2001-02
(Figures in Lakhs) |
| Particulars |
2000-01 |
2001-02 |
| Cash in hand |
86786 |
105258 |
| Balances with RBI |
1762801 |
2081995 |
| Balances with Banks in India |
325561 |
342516 |
| Money at call & short notice |
2863517 |
3086067 |
| Balances with Banks outside India |
1032254 |
877181 |
| Investments (less Investment subsidiaries) |
12153787 |
14379720 |
| Advances |
11359027 |
12080647 |
| Premises (including under construction) |
82636 |
79012 |
| Other Fixed Assets |
176694 |
162511 |
| Other Assets |
1587496 |
1493436 |
| Total Assets less excluded items |
31428562 |
34798343 |
In the absence of information needed the assets could not be worked out as per risk-weightage and RWA calculated to check the CAR of the bank as furnished. But as Capital (Tier I + II) and CAR are given RWA can be calculated on the formulae-
RWA = Capital (Tier I + II) x CAR
On this basis the RWA for the two years should be as under:
2000-01
1693491 x 12.79 = 21659749 Lakhs
2001-02
1908643 x 13.35 = 25480384 Lakhs
